## Guaranteed to Fail

# Other Voices on Mortgage Reform

## Proposals

[Reforming America’s Housing Finance Market: A Report to Congress](http://www.treasury.gov/initiatives/Documents/Reforming%20America%27s%20Housing%20Finance%20Market.pdf)
The Department of the Treasury
U.S. Department of Housing and Urban Development

[A Blueprint for Mortgage Finance Reform](http://w4.stern.nyu.edu/salomon/docs/Guaranteed-to-Fail_Summary.pdf)
Viral Acharya, Matthew Richardson, Stijn Van Nieuwerburgh, and Lawrence J. White

[Taking the Government Out of Housing Finance: Principles for Reforming the Housing Finance Market](http://www.aei.org/docLib/HousingFinance.pdf)
An American Enterprise Institute Policy White Paper
Peter J. Wallison, Alex J. Pollock, Edward J. Pinto, January 2011

[Mercatus Center: Five Proposals for a New Housing Finance System in the United States](http://mercatus.org/publication/five-proposals-new-housing-finance-system-united-states)
Dwight M. Jaffee, Lawrence J. White, Peter Wallison, Arnold Kling, Anthony B. Sanders, Michael Lea, March 2011

[The Economics of Housing Finance Reform:Privatizing, Regulating and Backstopping Mortgage Markets](http://www.people.hbs.edu/dscharfstein/Economics%20of%20Housing%20Finance%20Reform%20Final.pdf)
David Scharfstein and Adi Sunderam, February 2011

[The Government’s Role in the Housing Finance System: Where Do We Go from Here?](http://www.brookings.edu/~/media/Files/rc/papers/2011/0211_housing_finance_dynan_gayer/0211_housing_finance_dynan_gayer.pdf)
Karen Dynan and Ted Gayer, February 2011

[The Future of the Mortgage Finance System](http://www.economy.com/mark-zandi/documents/Mortgage-Finance-Reform-020711.pdf)
Mark Zandi and Cristian deRitis, February 2011

[A Responsible Market for Housing Finance A Progressive Plan to Reform the U.S. Secondary Market for Residential Mortgages](http://www.americanprogress.org/issues/2011/01/responsible_market.html)
The Mortgage Finance Working Group, sponsored by the Center for American Progress, January 2011

[Catastrophic Mortgage Insurance and the Reform of Fannie Mae and Freddie Mac](http://www.brookings.edu/~/media/Files/events/2011/0211_mortgage_market/0211_reform_fannie_freddie_hancock_passmore.pdf)
Diana Hancock and Wayne Passmore, January 2011

[Fannie Mae, Freddie Mac, and the Federal Role in the Secondary Mortgage Market](http://www.cbo.gov/ftpdocs/120xx/doc12032/12-23-FannieFreddie.pdf)
A CBO Study, December 2010

[Reforming the U.S. Mortgage Market Through Private Market Incentives](http://research.stlouisfed.org/conferences/gse/Jaffee.pdf)
Dwight M. Jaffee, November 2010

[A Private Lender Cooperative Model for Residential Mortgage Finance](http://www.ny.frb.org/research/staff_reports/sr466.pdf)
Toni Dechario, Patricia Mosser, Joseph Tracy, James Vickery, and Joshua Wright, August 2010

[Improving U.S. Housing Finance through Reform of Fannie Mae and Freddie Mac: Assessing the Options](http://furmancenter.org/files/publications/Improving_US_Housing_Finance_Fannie_Mae_Freddie_Mac_9_8_10.pdf)
Ingrid Gould Ellen, John Napier Tye, Mark A. Willis, May 2010

[Moving Beyond Fannie Mae and Freddie Mac: A Proposal for a New Generation of Entities to Facilitate a Secondary Market for Conventional Mortgages](http://www.fsround.org/housing/pdfs/pdfs2010/MOVINGBEYONDFANNIEMAEANDFREDDIEMAC2-26-10.pdf)
The Housing Policy Council, February 2010

[Future of Fannie Mae and Freddie Mac and the Housing Finance System](http://www.nahb.org/fileUpload_details.aspx?contentID=132899)
Federal Government Affairs and Housing Finance Committees, January 2010

[MBA’s Recommendations for the Future Government Role in the Core Secondary Mortgage Market](http://www.mbaa.org/files/Advocacy/2009/RecommendationsfortheFutureGovernmentRole.pdf)
Mortgage Bankers Association, August 2009

[Recommendations for Restructuring the GSEs](http://www.realtor.org/wps/wcm/connect/430e5f80418e341a9039fda3819af93a/government_affairs_gse_recomm_0810.pdf?MOD=AJPERES&CACHEID=430e5f80418e341a9039fda3819af93a)
National Association of REALTORS®

[Financial Crisis and Recession](http://woodwardhall.wordpress.com/2009/01/28/what-to-do-about-fannie-mae-and-freddie-mac/)
Economic analysis by Susan Woodward and Robert Hall

###  Guaranteed to Fail

- [About the book](/guaranteed-to-fail-book)
- [Endorsements](/guaranteed-to-fail-book/endorsements)
- [Press coverage](/guaranteed-to-fail-book/press-coverage)
- [Other voices on mortgage reform](/guaranteed-to-fail-book/other-voices-mortgage-reform)
- [Video coverage of April 20 book discussion event](/node/44068)