by Norbert J. Michel, John L. Ligon
The Heritage Foundation
August 12, 2014
Free markets promote affordable housing, but the federal government has increasingly intervened in housing finance for decades. Housing finance reform will be successful only if policymakers recognize the flaws of previous interventionist policies and embrace the basic principles inherent in a free market. The broad principles presented here can help shift housing finance away from a highly regulated activity to one that promotes individual economic freedom and affordable homeownership.

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