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Regulations carving out a path for new businesses? They may be less important than you think.

The Lowe Down

Figure 1 displays the growth in business applications in each state from 2012-2020, where one can observe the varying growth in business applications across the United States. From 2012 to 2020, Wyoming and Mississippi had the largest annual growth in new business applications while North Dakota and Kansas had the lowest.

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The GSE Conservatorships: Fifteen Years Old, With No End in Sight

The Stoop (NYU Furman Center)

7] Because Congress had set up the GSEs through legislation, the Obama administration believed it was up to Congress to develop revisions to that legislation to eliminate these defects. Q3: Why was Congress unable to expeditiously pass legislation to correct those business model defects as a key step to ending conservatorship?

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The GSE Public-Private Hybrid Model Flunks Again: This Time It’s the Federal Home Loan Bank System (Part 1)

The Stoop (NYU Furman Center)

The GSEs were authorized by congressional legislation to perform a very specific set of activities, primarily focused on providing loans to consumers or businesses for a designated purpose, and mostly related to real estate and housing. the legislation establishing them). A few of the recommendations require legislation by Congress. [4]

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Does Mail-in Voting Actually Increase Election Participation?

The Lowe Down

The 2020 United States presidential election saw a major increase in mail-in voting as a result of the Covid-19 pandemic. Since 2012, a majority of California citizens have voted by mail in US presidential elections, and most California counties offer a mix of in-person and mail-in voting options to cast one’s ballot.

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Current GSE Guarantee Fees Are Too Low to Be Consistent with Regulatory Capital: Does This Mean a Large Increase Is Coming?

The Stoop (NYU Furman Center)

4 That average will change slightly each year to reflect the normal annual variation in the mix of products and borrower characteristics – for example, it was up by two basis points (bp) in 2021 over 2020, but down by the same amount from the prior year. percent to 0.49 percent to 0.49

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