Goal-oriented: Fannie Mae and Freddie Mac every year are required to meet affordable housing goals set by the Department of Housing and Urban Development (HUD). As we approach a new deadline for setting the 2004 goals, HUD may be considering putting more teeth into the goals.(Cover report: legislative / regulatory)

Mortgage Banking | September 1, 2003| | Copyright

ROUGHLY 68 PERCENT OF AMERICANS ARE HOMEOWNERS. Seventy-four percent of white non Hispanics are homeowners, while only 50 percent of African Americans have achieved the goal of homeownership. In addition, more than 14 million Americans spend half of every dollar earned on housing or live in substandard units, according to The State of the Nation's Housing 2003, a July report by Cambridge, Massachusetts-based Harvard University's Joint Center for Housing Studies.

What does this say about how well American housing policy is working? Are these good marks, or is this ...

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