ZIGAS & ASSOCIATES
INNOVATION - LEADERSHIP - STRATEGY

News

Recent Articles by Barry Zigas

Asian Family

Economy.com, A More Promising Road to GSE  Reform, March 22, 2016

Shelterforce Rooflines, FHFA's Proposed Duty to Serve Rule -- New Opportunities for Community Builders, January 8, 2016

Urban Wire, Making Sure the FHFA's Duty to Serve Regulations Help Underserved Markets, Urban Institute, December 31, 2015

Housing Wire, Recap and Release: Not the Right Path to Affordable Mortgages, November 16, 2015

 Housing Wire, The Devil is in the Mortgage Finance Reform Details, September 1, 2014

Congress Blog, New Mortgage Rules Strike the Right Balance,The Hill.com, January 3, 2014

Orange County Register, Special Report, "Housing Recovery a 'Myth' For Many", Nov. 9, 2013

Federal Reserve Bank of San Francisco Community Development Investment Review, Learning from the Low Income Housing Tax Credit, Vol. 9, Issue 1, 2013

American Prospect, Restoring the Dream, Special Report, May, 2011

CSPAN's Washington Journal, August 18, 2010

CNN Money.com Fortune, "The Fannie-Freddie Turkey Shoot," August 16, 2010

American Banker Thanks, Hank! July 30, 2010

American Banker "Viewpoint" on the future of Fannie Mae and Freddie Mac, published March 2, 2010

National Housing Conference Open House Blog,"What's Next for Fannie and Freddie?"  December 24, 2009

What Does the Future Hold for Fannie Mae and Freddie Mac?, Shelterforce Magazine, Fall, 2009

Retooling HUD for a Catalytic Federal Government: A Report to Secretary Shaun Donovan, Chapter 1: Preventing Foreclosures, February, 2009

What Does Financial Capital Owe Society?, The American Prospect, July/August 2009


News Stories Featuring Barry Zigas

Wall St Journal Economics blog, Fannie Mae and Freddie Mac:  If You Can't Kill Them, Merge Them, March 23, 2016

CNBC.com, Is a Reverse Mortgage Right for You?, March 21, 2016

TriblLive.com Splitting Mortgage Payments Could Save Homeowners Thousands, March 16, 2016

Bankrate.com, Sidestep Common, Costly Mistakes in Home Purchase, May 22, 2015

AP, 1 in 4 Renters Use Half the Income for Rent, May 3, 2015

Bankrate.com, 6 Must-Do Steps Before Buying a Home, January 26, 2015

Fast Company, The New Era of "Maybe" Mortgage Lending, January 22, 2015

Wall Street Journal, Minority Borrowers Feel Mortgage Pinch, September 22, 2014

Huffington Post, Elizaebeth Warren Splits Progressives on Mortgage Reform, July 14, 2014

Bloomberg, Treasury Begins Push to Revive US Mortgage Bond Market, June 26, 2014

Affordable Housing Finance, Housing Moves Further Out of Reach, March 24, 2014

Today Monay, New Mortgage Rules:  No Traps, No Runarounds, Today.com, January 10, 2014

Washington Informer, Special Report:  New Mortgage Rules Take Effect, January 10, 2014

Inland Valley News, Mel Watt Becomes New Director of Federal Housing Finance Agency, January 8, 2014

CNBC Nightly Business Report, Underwater Mortgage Insurance, November 21, 2013

Marketplace, Divvying Up the $13 Billion JP Morgan Fine, October 21, 2013

Bipartisan Policy Center, A Conversation about Housing Finance Reform,Video Interview with Zillow Chief Econmist Dr. Stan Humphries, October 7, 2013

American Banker, Affordability Will Be Key Challenge in GSE Debate, August 8, 2013

MSNBC, RIP Fannie and Freddie?,August 6, 2013

McClatchy News Service, Obama Trumpets Housing Gains, Calls for Affordable Mortgages, August 6, 2013

National Journal/The Atlantic Cities, We Could Have Fixed the Underwater Mortgage Crisis a Long Time Ago, July 30, 2013

New York Times, New Standards for Safe Loans, February 7, 2013

Florida's Mortgage Mess:  Among the Worst in the U.S., WLRN, Miami/S. Florida, FL, January 2, 2013

Small Housing Inventory May Push Rental Demand for Years, Housing Wire Rewire, December 31, 2012

The American Prospect, Foreclosure Free-for-All, August 30, 2012

Washington Post, How the Presidential Election Affects the Real Estate Market, September 1, 2012

Seattle Times, Deal to Aid 1 Million Homeowners; Won't Solve Housing Market Woes,February 9,  2012

Bankrate.com, Tips to Help You Make a Smart Buy on a New Home, February 9, 2012

MN Public Radio Mid Morning Report, Refinancing for Underwater Homeowners,audio clip (10:45 am), February 2, 2012

Los Angeles Times, Obama Proposes Refinancing Plan for Underwater Borrowers, February 2, 2012

WSAV4 TV, Savannah, GA, Consumer Federation of America responds to Obama refinancing plan for underwater borrowers, video clip, February 1, 2012

Las Vegas Review-Journal, Lender One-on-One, It's A Buyer's Market...January 31, 2012

McClatchy Newspapers, Obama's New Mortgage Fraud Unit Met with Skepticism, January 25, 2012

MN Public Radio Mid Morning Report, Foreclosures Keep The Economy from Recovering, July 12, 2011

Wall St. Journal, White House Raps Banks on Home Affordable Modification Program Failings, June 9, 2011

SmartMoney.com, Where Real Estate Listings Fail, June 8, 2011

 American Banker, Bankers, Consumer Groups Call for Wider QRM Criteria, June 3, 2011

Fox Business News, 5 Things Homeowners Can Bargain For, June 3, 2011

Eden Housing Podcast, The Future of Fannie Mae and Freddie Mac, April 29, 2011

Washington Post, Downpayment Proposal Could Make a Mountain Out of A Mortgage, April 9, 2011

Planet Money, Special Reports on Fannie Mae and Freddie Mac, March 29 and April 1, 2011

Washington Post, Obama Plan on Fannie, Freddie May Boost Mortgage Rates, February 11, 2011

Wall St. Journal, Republicans Welcome Obama's Fannie, Freddie Plan, February 11, 2011

Housing Wire.com, Housing Advocates See See GSE Reforms Putting Affordable Housing Goals at Risk, February 11, 2011

Real LI, Newsday.com, 4 Tips for Finding a Good Real Estate Agent, January 17, 2011

FINS Finance, WSJ Digital Network, Office of Housing Hiring Delayed Until March, At Least, January 7, 2011

New York Times, Foreclosure Frenzy Dismays Aspiring Homeowners, December 12, 2010

Housing Predictor, "Consumers Union Joins to Halt Extra Home Sale Fees," October 13, 2010

Minnesota Public Radio, "Misbehaving Banks Put Wrench in Foreclosure Process," October 6, 2010

Maine Public Radio, "GMAC Suspends Some Foreclosures in Maine," September 24, 2010

American Banker, Democrats Preparing Bill to Expand CRA Beyond Banks, September 22, 2010

C-SPAN Washington Journal, The Future of Fannie Mae and Freddie Mac, August 18, 2010

Wall Street Journal, New Rules for Mortgage Lenders, August 1, 2010

Bloomberg, Fannie Mae, Freddie Mac Debate Begins, July 8, 2010

Washington Independent, "A 'Disastrous' Republican Proposal to Redo Fannie and Freddie," May 11, 2010

Associated Press, "Freddie Mac Seeks $10B in Aid After 1Q Loss," May 5, 2010

Washington Post, "Discrepancies Detailed in Minority Foreclosures," April 28, 2010

Bankrate.com, "Four Tips for Single, Female Homebuyers," April 23, 2010

American Banker, "Treasury's HAMP Cash:  From Carrot to Cudgel," April 23, 2010

Baltimore Sun, "HAMP:  What the Loan Mod Changes Mean," March 27, 2010

Boston Globe, "Frank wants details on mortgage lender overhaul," March 24, 2010

Weekend Marketplace radio program on FHA and HUD IG reviews of lenders with high claim rates, January, 2010.

ULI webinar on Obama housing policies, December, 2009

Marketplace on mortgage delinquencies, December 2, 2008

Boston Globe, Obama Housing Budget Proposals, February 19, 2009


NHC Seeks Legislative Director

National Housing Conference Logo

The National Housing Conference is seeking a Legislative Director to lead NHC’s work on public policy issues related to affordable housing and advocating for NHC’s policy priorities at the national level.e Director to lead its policy.  The candidate will report directly to NHC’s CEO, and indirectly to the Director of the Center for Housing Policy, NHC’s research and policy development affiliate.

A full job description can be found here.

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Kiwis Pull It Out!

Watch New Zealand’s All Whites World Cup team pull it out from Down Under in the final 30 seconds of play to seal a draw with Slovakia and live to fight another day!

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Housing Finance Conference

On August 17, HUD Secretary Shaun S. Donovan and Treasury Secretary Timothy Geithner convened a Washington, DC conference in Treasury’s historic Cash Room to discuss the future of the housing finance system.  You can review a webcastof the two plenary panel discussions on Treasury’s website. Regional conferences are reportedly to follow later this year as the Administration develops its own options and recommendations for how to rebuild the system after the mortgage crisis and collapse of Fannie Mae and Freddie Mac.

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CFA Handicaps Senate Markup

Consumer Federation of America is publishing a “cheat sheet” on the Senate Banking Commitee’s markup of financial services reform legislation, pointing out “who wins and who loses” on major amendments pending before the committee, which begins its markup this week.

 “Recklessness among big banks and Wall Street firms and regulatory failures by federal agencies triggered a prolonged recession that continues to cause great hardship for many Americans,” said CFA Legislative Director Travis Plunkett.  “The American people are looking to the Senate to strengthen consumer and investor protections and restore the safety and soundness of the financial system by closing gaps in the regulatory system.” 

The purpose of the “scorecard” is to help consumers and others understand who and what interests are behind the plethora of amendments that have been registered in advance of the mark up.

 “Americans need to know who’s on their side and who is offering amendments that will leave them vulnerable to dangerous gaps in our regulatory system for which consumers and taxpayers have had to foot the bill,” said Susan Weinstock, Financial Reform Campaign Director for CFA.  “We strongly encourage all Americans to follow this debate and let their Senators know how they feel about the positions their members are taking.”

The scorecard will be updated on the CFA website.  Check often to find out who stands to win and who stands to lose from the Senate commitee’s actions.

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Nice Tattoo!

NY Times columnist Frank Rich uses the best-selling novel and just-released movie The Girl with the Dragon Tattoo to tee off on Wall Street and the Senate’s consideration of financial reform in today’s column.  As only Rich can, he focuses on this pop culture phenomenon’s sub-plot of financial wrong doing and the financial press’s credulous complicity with financial manipulations by high-flying moguls.  

It’s true that the libel conviction of one of the series’ protagonists, Mikel Bloomquist, launches the events that lead to his unravelling of a 40-year old murder and the unmasking of a deranged killer.  It also introduces him to the central and compelling character of the story, Lisbeth Salander, a disaffected, punk hacker/feminist avenger who with impunity violates computer privacy.  That her doing so provides critical clues to both the financial and murderous mysteries at the heart of the novel justifies it to the reader, and apparently also to Rich. 

I love this novel and its sequel, and rushed to see the Swedish-made movie on the day it opened in US theaters.  I think Salander is one of the most intriguing characters in modern popular mystery fiction.  But I also think it’s ironic that Rich overlooks her ethical lapses, or perhaps her own unique and personal ethical standards, and focuses instead only on author Stieg Larsson’s rich condemnation of the Swedish financial press.  

Does he support the notion that it takes a thief to catch a thief?

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