The housing market continues to disappoint with affordability reaching crisis levels, while the shareholders of the FHLBanks, private banks and insurance companies, are not really helping.

So, I question how the status quo makes sense. Rather, an honest, and fact-based review of the FHLBanks should shed light on what they do well, and what they could do better. The Banks, and their members have the heft to make a difference, but they need to focus – hence this blog, largely based on my 25-year career in the FHLB system and before that, at private banks focused on mortgage lending.

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