Decades of regulatory barriers, including restrictive zoning, burdensome permits, and other forms of red tape, have made housing less accessible for millions of Americans. Reducing these obstacles would give people more choices and strengthen communities. A freer housing market empowers individuals and supports the ability to build stabler and more fulfilling lives.
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Affordable manufactured housing versus unaffordable climate regulations
The Biden administration had a field day piling on one costly climate-related regulation after another, not knowing – or caring – that affordability would emerge…
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HUD and CFPB help housing by restoring free speech
Thanks to the commendable actions of the Department of Housing and Urban Development (HUD) and the Consumer Financial Protection Bureau (CFPB), April has been a…
The Mortgage Note
Federal Court Rejects Costly Green Housing Policy
The Biden administration’s obsession with climate change has contributed to the housing affordability challenges Americans face today, and there are many harmful green policies…
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Bricks and Wood Heaters Also Need Relief from Obama-era Overreach
Several of the Obama-era Environmental Protection Agency’s most expensive and far-reaching Clean Air Act regulations are back in the news now that the Trump administration is…
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Three States Join California in Raising Air Conditioning, Refrigeration Costs
Maryland, New York, and Connecticut are following California’s lead in proposing restrictions on hydrofluorocarbons (HFCs), the class of refrigerants widely used…
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The Financial Crisis 10 Years Later: What’s Changed?
Ten years ago, the United States plunged into a financial crisis that would bring the world economy to the brink of collapse. The housing bubble…
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Zoning Laws Are Holding Back America’s Cities
The options we have for housing are determined, in part, by the houses and apartment buildings that developers choose to build. But what they are…
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The Financial Crisis 10 Years Later: Restrictions on Housing Supply Makes Matters Worse
The broader financial crisis of 2007-2008 was the result of the U.S residential housing market collapse. That housing collapse itself was a consequence of an…
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The Financial Crisis 10 Years Later: Fannie and Freddie Fueled the Subprime Mortgage Bubble
If anything symbolizes the American dream, it is homeownership—an asset that is viewed as part of a route from poverty and exclusion to independence and…