housing finance reform

Housing finance reform involves changing the rules and systems that support how Americans buy and finance homes. It aims to improve the stability, accessibility, and fairness of the mortgage market, reducing risks to taxpayers and preventing crises like the 2008 financial downturn. Reforms may include modernizing regulations, expanding affordable lending options, and strengthening oversight of lenders and mortgage-backed securities. The goal is to ensure that more people can reliably access home financing while maintaining a resilient housing market that benefits both consumers and the economy.