Podcast appearances and mentions of Alex J Pollock

Special guest Alex J. Pollock, Senior Fellow with the Mises Institute and former Principal Deputy Director of the Office of Financial Research in the U.S. Treasury Department, joins us to discuss his recent blog post published on The Federalist Society website in which he urges Congress to look into the question of whether the Federal Reserve can lawfully continue to fund the CFPB if (as now) the Fed has no earnings. We begin with a review of the Supreme Court's recent decision in CFSA v. CFPB which held that the CFPB's funding mechanism does not violate the Appropriations Clause of the U.S. Constitution. Alex follows with an explanation of the CFPB's statutory funding mechanism as established by the Dodd-Frank Act, which provides that the CFPB is to be funded from the Federal Reserve System's earnings. Then Alex discusses the Fed's recent financial statements and their use of non-standard accounting, the source of the Fed's losses, whether Congress when writing Dodd-Frank considered the impact of Fed losses on the CFPB's funding, and how the Fed can return to profitability. We conclude the episode by responding to arguments made by observers as to why the Fed's current losses do not prevent its continued funding of the CFPB, potential remedies if the CFPB has been unlawfully funded by the Fed, and the bill introduced in Congress to clarify the statutory language regarding the CFPB's funding. Alan Kaplinsky, Senior Counsel in Ballard Spahr's Consumer Financial Services Group, hosts the conversation.

With special guest, Alex J. Pollock, a senior fellow at the Mises Institute. 

Jason talks about the resilient real estate market as the cost of money decreases and housing affordability improves. With mortgage rates dropping and the promise of increased affordability by the Fed, he anticipates significant price increases in the low-inventory market. Highlighting the 700,000-home deficit compared to normal inventory, Jason emphasizes the simple supply and demand dynamics driving potential price surges. He also urges viewers to consider the upcoming cruise for a unique learning and networking experience. Overall, the episode provides insights into the current real estate landscape, emphasizing the market's strength and predicting positive trends. Then Jason interviews Alex J. Pollock from the Mises Institute. The discussion revolves around the unpredictability of financial markets, particularly in contrast to more deterministic fields like astronomy. Pollock argues that economic and financial forecasts, even by prominent figures like central bankers, often prove inaccurate due to the interactive and recursive nature of human ideas, intents, and strategies within these systems. The conversation delves into the challenges of predicting economic and financial futures and emphasizes the significance of relying on self-corrective market properties rather than central authorities. #RealEstate #Affordability #SupplyAndDemand #MarketTrends #InvestingTips #Economics #FinancialMarkets #CentralBanking https://empoweredinvestorlive.com/ https://www.AlexJPollock.com/ Key Takeaways: Jason's editorial 2:04 Total inventory for sale- how the year ended 6:06 Join the cruise https://empoweredinvestorlive.com/ 7:25 US SFR Total Available Inventory- Weekly, by Year Alex J. Pollock's interview 11:02 "Not like reality and math" 14:35 Applying these principles to the housing market 17:04 Housing prices and the International Union for Housing Finance 19:18 Talking bubbles 21:33 Giant inventory housing shortage 24:58 Entry level housing or the New home market 28:12 The great asset and liability   Follow Jason on TWITTER, INSTAGRAM & LINKEDIN Twitter.com/JasonHartmanROI Instagram.com/jasonhartman1/ Linkedin.com/in/jasonhartmaninvestor/ Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/ Free Class:  Easily get up to $250,000 in funding for real estate, business or anything else: http://JasonHartman.com/Fund CYA Protect Your Assets, Save Taxes & Estate Planning: http://JasonHartman.com/Protect Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals Special Offer from Ron LeGrand: https://JasonHartman.com/Ron Free Mini-Book on Pandemic Investing: https://www.PandemicInvesting.com

Jason talks about the resilient real estate market as the cost of money decreases and housing affordability improves. With mortgage rates dropping and the promise of increased affordability by the Fed, he anticipates significant price increases in the low-inventory market. Highlighting the 700,000-home deficit compared to normal inventory, Jason emphasizes the simple supply and demand dynamics driving potential price surges. He also urges viewers to consider the upcoming cruise for a unique learning and networking experience. Overall, the episode provides insights into the current real estate landscape, emphasizing the market's strength and predicting positive trends. Then Jason interviews Alex J. Pollock from the Mises Institute. The discussion revolves around the unpredictability of financial markets, particularly in contrast to more deterministic fields like astronomy. Pollock argues that economic and financial forecasts, even by prominent figures like central bankers, often prove inaccurate due to the interactive and recursive nature of human ideas, intents, and strategies within these systems. The conversation delves into the challenges of predicting economic and financial futures and emphasizes the significance of relying on self-corrective market properties rather than central authorities. #RealEstate #Affordability #SupplyAndDemand #MarketTrends #InvestingTips #Economics #FinancialMarkets #CentralBanking https://empoweredinvestorlive.com/ https://www.AlexJPollock.com/ Key Takeaways: Jason's editorial 2:04 Total inventory for sale- how the year ended 6:06 Join the cruise https://empoweredinvestorlive.com/ 7:25 US SFR Total Available Inventory- Weekly, by Year Alex J. Pollock's interview 11:02 "Not like reality and math" 14:35 Applying these principles to the housing market 17:04 Housing prices and the International Union for Housing Finance 19:18 Talking bubbles 21:33 Giant inventory housing shortage 24:58 Entry level housing or the New home market 28:12 The great asset and liability   Follow Jason on TWITTER, INSTAGRAM & LINKEDIN Twitter.com/JasonHartmanROI Instagram.com/jasonhartman1/ Linkedin.com/in/jasonhartmaninvestor/ Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/ Free Class:  Easily get up to $250,000 in funding for real estate, business or anything else: http://JasonHartman.com/Fund CYA Protect Your Assets, Save Taxes & Estate Planning: http://JasonHartman.com/Protect Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals Special Offer from Ron LeGrand: https://JasonHartman.com/Ron Free Mini-Book on Pandemic Investing: https://www.PandemicInvesting.com

Jason talks about the resilient real estate market as the cost of money decreases and housing affordability improves. With mortgage rates dropping and the promise of increased affordability by the Fed, he anticipates significant price increases in the low-inventory market. Highlighting the 700,000-home deficit compared to normal inventory, Jason emphasizes the simple supply and demand dynamics driving potential price surges. He also urges viewers to consider the upcoming cruise for a unique learning and networking experience. Overall, the episode provides insights into the current real estate landscape, emphasizing the market's strength and predicting positive trends. Then Jason interviews Alex J. Pollock from the Mises Institute. The discussion revolves around the unpredictability of financial markets, particularly in contrast to more deterministic fields like astronomy. Pollock argues that economic and financial forecasts, even by prominent figures like central bankers, often prove inaccurate due to the interactive and recursive nature of human ideas, intents, and strategies within these systems. The conversation delves into the challenges of predicting economic and financial futures and emphasizes the significance of relying on self-corrective market properties rather than central authorities. #RealEstate #Affordability #SupplyAndDemand #MarketTrends #InvestingTips #Economics #FinancialMarkets #CentralBanking https://empoweredinvestorlive.com/ https://www.AlexJPollock.com/ Key Takeaways: Jason's editorial 2:04 Total inventory for sale- how the year ended 6:06 Join the cruise https://empoweredinvestorlive.com/ 7:25 US SFR Total Available Inventory- Weekly, by Year Alex J. Pollock's interview 11:02 "Not like reality and math" 14:35 Applying these principles to the housing market 17:04 Housing prices and the International Union for Housing Finance 19:18 Talking bubbles 21:33 Giant inventory housing shortage 24:58 Entry level housing or the New home market 28:12 The great asset and liability   Follow Jason on TWITTER, INSTAGRAM & LINKEDIN Twitter.com/JasonHartmanROI Instagram.com/jasonhartman1/ Linkedin.com/in/jasonhartmaninvestor/ Call our Investment Counselors at: 1-800-HARTMAN (US) or visit: https://www.jasonhartman.com/ Free Class:  Easily get up to $250,000 in funding for real estate, business or anything else: http://JasonHartman.com/Fund CYA Protect Your Assets, Save Taxes & Estate Planning: http://JasonHartman.com/Protect Get wholesale real estate deals for investment or build a great business – Free Course: https://www.jasonhartman.com/deals Special Offer from Ron LeGrand: https://JasonHartman.com/Ron Free Mini-Book on Pandemic Investing: https://www.PandemicInvesting.com

In this compelling episode of "The Rational Egoist," host Michael Leibowitz sits down with Alex J. Pollock, a senior fellow at The Mises Institute and former Principal Deputy Director of the Office of Financial Research in the U.S. Treasury Dept. Together, they delve into the fascinating yet fraught world of the Federal Reserve, an institution often misconceived as a central economic manager. The Federal Reserve, in its simplest form, comprises 12 regional banks attempting to regulate the U.S. economy. Its original mandate was to inject liquidity into the financial system during times of crisis. However, as Michael and Alex point out, the persistent and unrestrained expansion of money supply even after crises have been resolved has converted this mechanism into an ongoing problem, rather than a solution. The conversation takes a historical turn when they discuss the U.S. government's suppression of the gold standard and its unilateral ban on citizens owning gold. Remarkably, while American civilians were barred from gold ownership, the U.S. government continued to accumulate large reserves of gold by purchasing it overseas.But the real kicker comes when our experts examine the ramifications of divorcing the U.S. dollar from gold in 1971. This shift has led to a monetary system with virtually no constraints on the amount of currency that can be printed, setting the stage for escalating inflation and subsequently, complex political challenges. Despite its numerous failings, the power of the Federal Reserve continues to grow, becoming increasingly centralised. The paradox is as disconcerting as it is true: the more mistakes the Federal Reserve makes, the more potent it becomes. Join Michael and Alex as they unravel these complicated threads, offering keen insights into an institution whose influence stretches far and wide but whose true impact remains poorly understood. This episode is not just an analysis but a cautionary tale, highlighting the perils of placing too much power in the hands of a single entity. Michael Leibowitz is a renowned philosopher, political activist, and the esteemed host of the Rational Egoist podcast. Inspired by the philosophical teachings of Ayn Rand, Leibowitz passionately champions the principles of reason, rational self-interest, and individualism, seeking to empower others through his compelling work. His unwavering commitment to these ideals has garnered him a dedicated following of like-minded individuals.Leibowitz is a versatile author, co-authoring the thought-provoking book titled "Down the Rabbit Hole: How the Culture of Correction Encourages Crime." This groundbreaking work delves into societal attitudes surrounding punishment and rehabilitation, shedding light on how misguided approaches have contributed to the rise of crime and recidivism. Additionally, he has authored the book "View from a Cage: From Convict to Crusader for Liberty," offering an intimate portrayal of his personal journey while exploring the philosophies that influenced his transformation.As you embark on your intellectual journey, join Michael Leibowitz as he advocates for reason, individualism, and the pursuit of self-interest, inspiring others to embrace a philosophy that empowers and uplifts the human spirit. For a deeper exploration of his ideas and insights, don't miss the opportunity to read "Down the Rabbit Hole: How the Culture of Correction Encourages Crime," co-authored by Michael Leibowitz. And also, delve into his book "View from a Cage: From Convict to Crusader for Liberty." Both books are available for purchase using the following links: "Down the Rabbit Hole": https://www.amazon.com.au/Down-Rabbit-Hole-Corrections-Encourages/dp/197448064X "View from a Cage": https://books2read.com/u/4jN6xj

On this first episode of the Fed Watch Podcast, Ryan McMaken and Senior Fellow Alex Pollock talk about how the Federal Reserve has negative cash flow. The Fed will print money to "solve" the problem. Be sure to follow the Fed Watch Podcast at Mises.org/FedPod. Recommended Reading "The Fed's Capital Goes Negative" by Alex J. Pollock: Mises.org/FW_01_A "Who Owns Federal Reserve Losses and How Will They Impact Monetary Policy?" by Alex J. Pollock and Paul H. Kupiec: Mises.org/FW_01_B "Why the Fed Is Bankrupt and Why That Means More Inflation" by Ryan McMaken: Mises.org/FW_01_C

On this first episode of the Fed Watch Podcast, Ryan McMaken and Senior Fellow Alex Pollock talk about how the Federal Reserve has negative cash flow. The Fed will print money to "solve" the problem. Be sure to follow the Fed Watch Podcast at Mises.org/FedPod. Recommended Reading "The Fed's Capital Goes Negative" by Alex J. Pollock: Mises.org/FW_01_A "Who Owns Federal Reserve Losses and How Will They Impact Monetary Policy?" by Alex J. Pollock and Paul H. Kupiec: Mises.org/FW_01_B "Why the Fed Is Bankrupt and Why That Means More Inflation" by Ryan McMaken: Mises.org/FW_01_C

On this first episode of the Fed Watch Podcast, Ryan McMaken and Senior Fellow Alex Pollock talk about how the Federal Reserve has negative cash flow. The Fed will print money to "solve" the problem. Be sure to follow the Fed Watch Podcast at Mises.org/FedPod. Recommended Reading "The Fed's Capital Goes Negative" by Alex J. Pollock: Mises.org/FW_01_A "Who Owns Federal Reserve Losses and How Will They Impact Monetary Policy?" by Alex J. Pollock and Paul H. Kupiec: Mises.org/FW_01_B "Why the Fed Is Bankrupt and Why That Means More Inflation" by Ryan McMaken: Mises.org/FW_01_C

It seems like financial crises operate on a loop. Is there a way we can anticipate this pattern and better prepare our financial resilience? In this episode, Alex J. Pollock and Howard B. Adler join Tom to discuss how Americans have created a pattern of financial downfall, and the realistic expectations we can harbor for the next one.  Learn more about your ad choices. Visit megaphone.fm/adchoices

Alex J. Pollock discusses Paul Volker and the great inflation and the similarities to today. Volker raised interest rates to an all time high and defeated run away inflation. His predecessor Arthur Burns anguished over inflation and central bankers are facing a similar anguish today.  We discuss the knowledge problem and how central planners are a menace to society.

Why do bubbles still prevail in an era of ubiquitous information? Alex J. Pollock, a senior fellow with the Mises Institute, makes the case that fundamental uncertainty in finance and economics is unavoidable. Vizsla Silver (TSXV:VZLA) (NYSE: VZLA) has put out its maiden silver mineral resource, equivalent to 106 million ounces, from its Panuco project in Mexico and has made several new discoveries as well as an extension of the Napoleon vein, CEO Mike Konnert explains in our weekly sponsor segment. Show notes: https://goldnewsletter.com/podcast/why-you-can-bet-on-another-bubble-popping/

Episode #201 features Alex J. Pollock. Alex J. Pollock is a student of financial systems. His work includes cycles of booms and busts, financial crises with their political responses, housing finance, government-sponsored enterprises, risk and uncertainty, central banking, banking and financial regulation, corporate governance, retirement finance, student loans, and the politics of finance. Pre-order Alex Pollock's upcoming book Surprised Again!: The COVID Crisis and the New Market Bubble (Link) ***** Episode Notes Alex Pollock | https://www.alexjpollock.com/ Book | Boom and Bust: Financial Cycles and Human Prosperity | https://tinyurl.com/yauaxyd8 Book | Finance and Philosophy: Why We're Always Surprised | https://tinyurl.com/6mb3pnkd Mises Institute | https://mises.org/ Related Episodes To Regulate or Not To Regulate SPACs with Jennifer Schulp | https://tinyurl.com/2p82nu59 SPAC Retail Investor or Board of Director | https://tinyurl.com/z6sepdxp From Communism to ESGs with Austin Prochko | https://wiscoweeklypod.tiny.us/hkfkpwyy Kindly rate Wisco Weekly on Spotify ***** Follow Wisco's Virtual Fund Dedicated Lane© Automobility-Infrastructure Fund: FDX | UPS | URI | KMX | RIVN | PAG | BWA | DASH | TSP | CHPT | CVNA | AN | LAD | TSLA | FSR | KNX Dedicated Lane© Finance-Technology Fund: BAC | JPM | AVGO | INTC | NVDA | TSM | BLK | SPOT | SQ | ALLY | PYPL ***** Wisco Weekly is a business education podcast, and is part of the 'Not Your Father's Economy' podcast channel on Apple Podcasts. Host, Dennis Wisco, shares weekly insights into current economic conditions like navigating this post-COVID economy. For bonus, ad-free episodes that deliver actionable insights, become a paid-NYFE subscriber for $8.49 a month or $93.99 a year on Apple Podcasts. Start with a 3-day trial and cancel anytime. Our subscriber-only content will jack you up to work, generate new ideas, and add perspective to consistently produce. ***** Have a listen to 'Predicting the Next Paycheck' a podcast mini series assessing the behaviors of car dealers, and their data-inspired decisions. Available on Apple Podcasts, Spotify, and other popular apps. Predicting the Next Paycheck | https://wiscoweeklypod.tiny.us/2p8js37k ***** For more content, follow Dennis Wisco on Instagram (@wisco_dennis), Youtube (@wiscoweekly), and LinkedIn (@wiscoweekly).

Episode #201 features Alex J. Pollock. Alex J. Pollock is a student of financial systems. His work includes cycles of booms and busts, financial crises with their political responses, housing finance, government-sponsored enterprises, risk and uncertainty, central banking, banking and financial regulation, corporate governance, retirement finance, student loans, and the politics of finance. Pre-order Alex Pollock's upcoming book Surprised Again!: The COVID Crisis and the New Market Bubble (Link) ***** Episode Notes Alex Pollock | https://www.alexjpollock.com/ Book | Boom and Bust: Financial Cycles and Human Prosperity | https://tinyurl.com/yauaxyd8 Book | Finance and Philosophy: Why We're Always Surprised | https://tinyurl.com/6mb3pnkd Mises Institute | https://mises.org/ Related Episodes To Regulate or Not To Regulate SPACs with Jennifer Schulp | https://tinyurl.com/2p82nu59 SPAC Retail Investor or Board of Director | https://tinyurl.com/z6sepdxp From Communism to ESGs with Austin Prochko | https://wiscoweeklypod.tiny.us/hkfkpwyy Kindly rate Wisco Weekly on Spotify ***** Follow Wisco's Virtual Fund Dedicated Lane© Automobility-Infrastructure Fund: FDX | UPS | URI | KMX | RIVN | PAG | BWA | DASH | TSP | CHPT | CVNA | AN | LAD | TSLA | FSR | KNX Dedicated Lane© Finance-Technology Fund: BAC | JPM | AVGO | INTC | NVDA | TSM | BLK | SPOT | SQ | ALLY | PYPL ***** Wisco Weekly is a business education podcast, and is part of the 'Not Your Father's Economy' podcast channel on Apple Podcasts. Host, Dennis Wisco, shares weekly insights into current economic conditions like navigating this post-COVID economy. For bonus, ad-free episodes that deliver actionable insights, become a paid-NYFE subscriber for $8.49 a month or $93.99 a year on Apple Podcasts. Start with a 3-day trial and cancel anytime. Our subscriber-only content will jack you up to work, generate new ideas, and add perspective to consistently produce. ***** Have a listen to 'Predicting the Next Paycheck' a podcast mini series assessing the behaviors of car dealers, and their data-inspired decisions. Available on Apple Podcasts, Spotify, and other popular apps. Predicting the Next Paycheck | https://wiscoweeklypod.tiny.us/2p8js37k ***** For more content, follow Dennis Wisco on Instagram (@wisco_dennis), Youtube (@wiscoweekly), and LinkedIn (@wiscoweekly).

Alex J. Pollock is a Senior Fellow with the Mises Institute, previously the Distinguished Senior Fellow at the R. Street Institute, and the former Principal Deputy Director of the U.S. Department of Treasury's Office of Financial Research. He is also the former President and CEO of the Federal Home Loan Bank of Chicago. Holding advanced degrees from the University of Chicago, and Princeton University, he is the author of the legendary book, Finance and Philosophy: Why We're Always Surprised.

Fifty years ago, on August 15, 1971, President Richard Nixon put the economic and financial world into a new era. By his decision to "close the gold window," he fundamentally changed the international monetary system into the system of today, where the whole world runs on pure fiat currencies. "The dollar was the last ship moored to gold, with all the other currencies on board,and the U.S. cut the anchor and sailed off." Nobody knew how it would turn out. Fifty years later, we are completely used to this post-Bretton Woods monetary world with endemic inflation and floating exchange rates, and take it for granted. Nobody thinks it is even possible to go back to the old world: We are all Nixonians now. How shall we judge the momentous Nixon decision in its context and since? A fundamental question with pluses and minuses remains. Is the international monetary system now permanently open to more money printing and more monetization of government debt, making faith in central banks misplaced, and expectation of an ideal monetary policy foolish?Featuring:-- Alex J. Pollock, Distinguished Senior Fellow, R. Street Institute, Author of Fifty Years Without Gold-- Moderator: Hon. Wayne A. Abernathy, Chairman, Federalist Society Financial Services & E-Commerce Practice Group

Alex J. Pollock, distinguished senior fellow at the R Street Institute in Washington and former president of the Federal Home Loan Bank of Chicago, calls in to discuss the state of our central bank’s own finances. @RSI @FHLBC 3:07 Unrealized losses and the printing press 6:27 Treasury issuance and the Fed 9:45 Negative capital.  Does it matter? 15:55 Partially paid-in capital;  echoes of the banking partnerships of old Subscribe to the Grant's Current  Yield Podcast on iTunes, Stitcher, iHeart Radio, Google Play Music or listen from our website, www.grantspub.com    

January 7, 2019 starts a new leadership era for the Federal Housing Finance Agency, as the new Acting Director from the Trump Administration, Joseph Otting, takes office, with the nomination of Mark Calabria as Director in process. FHFA is the regulator of Fannie Mae, Freddie Mac, and the Federal Home Loan Banks, the combined housing finance assets of which are over $6 trillion, all involving an effective guarantee from the U.S. Treasury. What are the key issues and projects for the FHFA going forward? What can and what should it do to lead reform of Fannie and Freddie — and reform of American housing finance in general? What requires Congress and what might the FHFA, or the FHFA and Treasury, do on their own? Should the Senior Preferred Stock Agreements for Fannie and Freddie be revised? What about the role of the FHLBs? In spite of all the reform ideas, might the housing finance status quo persist?Ed DeMarco, who was Acting Director of the FHFA 2009-2014 and now heads the Housing Policy Council, will be interviewed by R Street Institute distinguished senior fellow Alex Pollock.Featuring:- Ed DeMarco, President, Housing Policy Council- [Moderator] Alex J. Pollock, Distinguished Senior Fellow, R Street InstituteVisit our website – RegProject.org – to learn more, view all of our content, and connect with us on social media.

January 7, 2019 starts a new leadership era for the Federal Housing Finance Agency, as the new Acting Director from the Trump Administration, Joseph Otting, takes office, with the nomination of Mark Calabria as Director in process. FHFA is the regulator of Fannie Mae, Freddie Mac, and the Federal Home Loan Banks, the combined housing finance assets of which are over $6 trillion, all involving an effective guarantee from the U.S. Treasury. What are the key issues and projects for the FHFA going forward? What can and what should it do to lead reform of Fannie and Freddie — and reform of American housing finance in general? What requires Congress and what might the FHFA, or the FHFA and Treasury, do on their own? Should the Senior Preferred Stock Agreements for Fannie and Freddie be revised? What about the role of the FHLBs? In spite of all the reform ideas, might the housing finance status quo persist?Ed DeMarco, who was Acting Director of the FHFA 2009-2014 and now heads the Housing Policy Council, will be interviewed by R Street Institute distinguished senior fellow Alex Pollock.Featuring:- Ed DeMarco, President, Housing Policy Council- [Moderator] Alex J. Pollock, Distinguished Senior Fellow, R Street InstituteVisit our website – RegProject.org – to learn more, view all of our content, and connect with us on social media.

Conversation with Alex J. Pollock This podcast features a discussion between ABI Executive Director Samuel J. Gerdano and American Enterprise Institute Resident Fellow Alex J. Pollock about the current troubles in the subprime mortgage market. With nearly 35 years in the banking industry, including twelve years as president and CEO of the Federal Home Loan Bank of Chicago, Pollock is a leading expert on housing issues and has testified recently on Capitol Hill on the subprime mortgage downturn.

AEIs Alex Pollock Discusses Recent Housing Finance Proposals The latest ABI podcast features ABI Executive Director Sam Gerdano talking with American Enterprise Institute Fellow Alex J. Pollock about recent housing finance reform proposals aimed at correcting the housing market. Pollock, a former president and chief executive officer of the Federal Home Loan Bank of Chicago who now focuses on housing finance at AEI, discusses how the new proposals may help or harm homeowners and lenders.