Editor's Note: This quote originally appeared in American Banker's feature, "Bold banking predictions for 2013." View the full list of predictions on the American Banker website.
"The U.S. housing finance recovery will continue. The fate of Fannie and Freddie will be intensely debated but fundamental restructuring will not be achieved (I will try to make myself wrong about the latter point)."
Alex J. Pollock, American Enterprise Institute