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In 2011, the Government Mortgage Complex accounted for 88 percent of all first-mortgage originations in the United States, with the government also controlling an estimated 90 percent of the student loan market. The government’s growing dominance in the home mortgage and student loan categories is cause for concern, posing a threat to private investors, borrowers, and taxpayers.
America's version of capitalism has been much more dynamic than Europe's. Why don't Obama and Romney debate that?
For many years, community financial institutions have been denied fair and equal access to the secondary market. Banks prosper by making prudent loans with an adequate return and maintaining a reasonable cost structure. Today 97 percent of our banks are community banks and they are increasingly finding this business model under siege.
As policymakers continue their efforts to reduce the government’s role in the currently nationalized housing market, the broadly available and deep subsidies provided to the five divisions of the Government Mortgage Complex continue to distort the marketplace and thwart these efforts.
Joseph Antos' analysis of Medicare's fiscal crisis and reform options that could make the program sustatainable; a response to a request from 16 health professionals elected to the U.S. Senate and House of Representatives for public comment on Medicare reform.
Real health reform is needed at both the state and federal levels. It will take a few more shovels first to bury most, if not all, of the Affordable Care Act and then to dig a way out to a market-based solution that relies on state-level policy innovation in key areas.
With Europe collapsing, China stumbling, and India and Brazil retreating from full free market reform, we’re the last stable, pro-growth economy left.
Tom Miller's proposals for Medicaid reform.






