At a time of high mortgage rates and inflation, the federal government — along with government-sponsored enterprises — is understandably under pressure to lower costs and make homeownership more accessible.

We share the goal of improving housing affordability. However, any effort to lower housing costs should be responsibly examined for potential risks to consumers, lenders and the broader marketplace. Some suggestions could wind up hurting potential homebuyers more than helping them. It’s important we find the right path.

As we witnessed with the recent bank failures, financial institutions that move beyond their mission details ⇒

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