House of Cards: Reforming America’s Housing Finance System

Mercatus Center, George Mason University

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Date Published 2012
Primary Author Satya Thallam
Other Authors
Theme Global Financial Crisis
Country United States


This volume is a contribution to the ongoing debate on how to reform the country’s housing-finance system in the wake of the 2008–2009 financial crisis. That crisis, from which the economy is still languishing, exposed fundamental flaws in the way we allocate scarce resources toward different uses, particularly housing. Taking one step back, however, the crisis should cause us to rethink the emphasis on homeownership that has pervaded national policy for several generations.

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