Suchergebnisse

Intro -- HOUSING MARKET POLICY OPTIONS -- HOUSING MARKET POLICY OPTIONS -- CONTENTS -- Preface -- Chapter 1 Ramifications of Housing Market Policy Options -- Summary -- Introduction -- The Size of the Housing Problem -- Principal Reduction -- Risks of Principal Reduction -- Potential Impact of Principal Reduction -- Housing Market -- Consumer Spending -- Financial Sector -- Current Principal Reduction Policies -- Non-GSE Loans: The Home Affordable Modification Program's Principal Reduction Alternative and the 2012 Mortgage Settlement -- Fannie and Freddie's Position on Principal Reduction -- Legislative Proposals for Principal Reduction -- Large-Scale Refinancing -- Barriers to Refinance -- Potential Impact of Large-Scale Refinancing -- Housing Market -- Consumer Spending -- Financial Sector -- The Home Affordable Refinance Program -- Presidential and Legislative Proposals for Refinancing -- Renting Foreclosed Homes -- Barriers to Renting -- Potential Impact of Rental Program -- Housing Market -- Financial Sector -- Consumer Spending -- FHFA Pilot Program -- Legislative Proposals for Renting REO -- End Notes -- Chapter 2 The U.S. Housing Market: Current Conditions and Policy Considerations -- INTRODUCTION -- HOUSING MARKET CONDITIONS -- House Prices and Implications for Household Wealth -- Mortgage Credit Conditions -- Addressing Foreclosed Properties: REO to Rental -- Background -- Characteristics of REO Properties -- REO to Rental Program Design -- The Role of Banks -- Land Banks: An Option for Low-Value Properties -- Credit Access and Pricing -- Addressing Homeowners at Risk of Default or Foreclosure -- Obstacles to Refinancing -- Loan Modifications and the HAMP Program -- Loan Modifications with Principal Reduction -- Alternatives to Foreclosure -- Mortgage Servicing: Improving Accountability and Aligning Incentives -- CONCLUSION

The Supreme Court's opinion in Dobbs v. Jackson Women's Health Organization gives states the maximum amount of freedom to restrict abortion. The decision is so sweeping that, under its logic, states could ban abortion even in cases of rape or incest; they may even be able — as the dissent notes — to prohibit abortions in circumstances in which a doctor believes the procedure is necessary to preserve the life or health of the pregnant person.