From the folks some blame for the mess housing is in, the Federal Reserve, comes a proposal for making sure it doesn't happen again:
Sustaining homeownership instead of creating new homeowners.
This is something I've tackled in several columns in the last year, but this "discussion paper" - because it emanates from the Fed - seems to suggest that a permanent change in policy is coming.
"For nearly two decades, turning lower-income households
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