Wachter, Susan MMcCoy, Patricia A2023-05-232016-10-262016-06-012016-10-26https://repository.upenn.edu/handle/20.500.14332/42547In the wake of the stalled Johnson-Crapo bill, the overarching goal of housing finance reform continues to be the efficient provision of long-term fixed-rate mortgages to credit-worthy borrowers in all markets throughout the business cycle.This Issue Brief analyzes three newly-proposed plans for reforming the U.S. housing finance system: (1) a proposal from Jim Parrot et al. to merge Fannie Mae and Freddie Mac into a new government corporation; (2) Andrew Davidson’s proposal for mutual ownership of the GSEs by mortgage originators; and (3) an opposing plan from Mark Calabria, arguing against securitization altogether and for a return to the regime of originate-and-hold.flash_audiohttp://creativecommons.org/licenses/by-nc/4.0/housing finance reformFannie MaeFreddie MacFederal Housing Finance AgencyHousing and Economic Recovery ActJohnson-Crapo billEconomic PolicyPublic PolicyReal EstateBrief