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AMERICAN ENTERPRISE INSTITUTE
 
Contents
 
Acknowledgments iiExecutive Summary 1Introduction 3Background 4The FHA Today 8Financing Failure: Homing in on the FHA’s Problems 17How the Study of the FHA’s FY 2009 and 2010 Books Supports This Analysis 27What Is the Impact of the FHA’s Lending Policies at the Individual Zip Code and MetropolitanArea Levels? 29Who Are the FHA’s Enablers? 36Reforming the FHA 41Appendix A. Risk Factors 47Appendix B. Chicago Metro Area Case Study 48Appendix C. Excerpts from 10 Metro Area Case Studies 64
 
Acknowledgments
Special thanks to Emily Rapp, my research assistant. While her contributions wereinnumerable, Emily deserves special mention for designing the multidimensional scatterplots used in this paper. I also wish to thank all those who reviewed various drafts andprovided so many excellent comments. However, all opinions and any errors containedherein are mine.
 

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