Immigration

Volume 11 Number 3

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Fannie Mae and Freddie Mac: Past, Present, and Future

Theresa R. DiVenti

Policy Briefs

The Policy Briefs department summarizes a change or trend in national policy that may have escaped the attention of researchers. The purpose is to stimulate the analysis of policy in the field while the policy is being implemented and thereafter.

As with the articles in this issue, this introduction reflects the views of the authors and does not necessarily reflect the views of the U.S. Department of Housing and Urban Development.

This policy brief examines the past, present, and future of Fannie Mae and Freddie Mac. Beginning with the present, this brief discusses the recent economic and regulatory changes that have affected the government-sponsored enterprises' (GSEs') operations and businesses. Next, the article looks back at the regulations and major events over the years that shaped the enterprises and their role in the housing finance market. The final part of this article highlights issues to consider. These issues present research opportunities on topics that will shape and inform the policy debate on the future of the GSEs.

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