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Michael D. Calhoun


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  • GovernmentSponsored Enterprises Panel 2
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    Government-Sponsored Enterprises, Panel 2

    The Urban Institute hosted a discussion on government-sponsored enterprises, known as GSEs. This panel focused on how the credit risk of Fannie Mae and Freddie Mac can be more widely…

  • Washington Journal Michael Calhoun on Pay Day Lending
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    Payday Lending

    Michael Calhoun talked about the payday lending industry and its regulation. He discussed the uses and abuses of various quick loans and how they can negatively effect borrowers by…

  • Changes to Fannie Mae and Freddie Mac
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    Changes to Fannie Mae and Freddie Mac

    Mel Watt talked about managing Fannie Mae and Freddie Mac and the 2014 strategic plan for their conservatorship. He said that the Federal Housing Finance Agency would stay out of the…

  • House Subcommittee Hearing on the Qualified Mortgage Rule
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    Home Mortgage Rules

    Representatives from home buyer associations and lender groups testified on the “ability to pay” rule mandated by the 2010 Dodd-Frank financial regulations law. The intent of the rule was…

  • Mortgage Policy
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    Mortgage Policy

    The Consumer Financial Protection Bureau (CFPB) held a field hearing on mortgage policy with consumer groups, industry stakeholders, and financial experts. CFPB Director Richard Cordray unveiled the new CFPB…

  • Consumer Credit Access Panel 2
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    Consumer Credit Access, Panel 2

    Financial industry representatives testified on consumer credit access issues related to the regulatory power of the Consumer Financial Protection Bureau (CFPB). Subcommittee members raised…

  • Foreclosure Prevention
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    Foreclosure Prevention

    Panelists talked about foreclosure prevention and home ownership preservation for veterans. They also outlined the impact of the recent foreclosure settlement between state attorneys…

  • Consumer Financial Protection
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    Consumer Financial Protection

    Witnesses testified about the proposed work and structure of the new Consumer Financial Protection Bureau (CFPB) created as part of the Dodd-Frank financial regulations law. They talked…

  • Mortgage Servicing and Foreclosure Prevention
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    Mortgage Servicing and Foreclosure Prevention

    Two House Financial Services subcommittees held a joint hearing on mortgage servicing and foreclosure mitigation practices. Members discussed the role of federal regulators in the ongoing…

  • Federal Housing Policy
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    Federal Housing Policy

    Participants spoke about the state of the housing industry, proposed new federal regulations for mortgage lending institutions, and minority home ownership. They also responded to questions…

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  • Bank Overdraft Fees
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    Bank Overdraft Fees

    Witnesses testified about consumer overdraft fees levied by banks and possible regulation of banks. One proposal would require banks to notify consumers and allow for cancellation of…

  • Government Consumer Mortgage Loan Proposals
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    Government Consumer Mortgage Loan Proposals

    Panelists spoke about proposed mortgage and lending regulations. They also talked about the many reports of mortgage broker and lender abuses against borrowers which led Congressional…

  • Promoting Bank Liquidity and Lending
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    Promoting Bank Liquidity and Lending

    Witnesses testified about the state of the U.S. banking industry and federal programs to increase lending by banks. Among the topics they addressed were mortgage lending, bankruptcy laws,…

  • Role of Government in Home Ownership
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    Role of Government in Home Ownership

    Barry Zigas moderated the third panel of the Consumer Federation of America annual conference on financial services, titled “Sustainable Homeownership: Future Role of Government.” Phillip Bracken,…

  • Housing Industry and Bankruptcy Laws
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    Housing Industry and Bankruptcy Laws

    Witnesses testified about a bill to help homeowners by giving bankruptcy courts the authority to adjust interest rates on mortgages for primary residences. Among the issues they addressed…

  • Home Mortgage Finance Industry Panel 2
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    Home Mortgage Finance Industry, Panel 2

    The second panel of a conference on mortgage financing following recent turmoil in financial and credit markets focused on long-term housing and banking policies beyond emergency federal…

  • Mortgage Lending Practices
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    Mortgage Lending Practices

    Witnesses from the financial industry and consumer advocates testified about the Mortgage Lending Act, H.R. 3915, which sets a minimum standard for borrowers' ability to repay mortgage loans. It contains consumer…

  • emSubprime Mortgagesem
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    Subprime Mortgages

    Panel members talked about the future of subprime mortgages using Edward Gramlich’s book “Subprime Mortgages: America’s Latest Boom and Bust” as the point of conversation. They debated the…

  • Subprime Hybrid Mortgages
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    Subprime Hybrid Mortgages

    Witnesses testified about home ownership and current subprime mortgage practices and products affecting foreclosures. They also talked about proposed guidelines for non-traditional…

  • Payday Loans
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    Payday Loans

    The guests talked about the practice of “payday loans,” in which consumers are offered short-term loans which have the potential for high interest and fees. The Center for Responsible Lending describes…

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