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July 17, 2025
Why HUD Was Right to Roll Back PAVE Rules
This op-ed originally appeared in National Mortgage News. The recent decision by the Department of Housing and Urban Development and the Office of Management and Budget to roll back key policies of the Property Appraisal and Valuation Equity (PAVE) task force marks a pivotal shift in federal housing policy. What began as an effort to address perceived shortcomings…
July 16, 2025
An Analysis of the One Big Beautiful Bill Act’s Effect on Student Loans
Key Points Introduction At the beginning of July, President Donald Trump signed into law the One Big Beautiful Bill Act (OBBB), a comprehensive package of reforms to taxes and government spending.1 While the package touches on myriad policy areas, it includes a comprehensive set of reforms to the federal student loan program. These represent some of…
July 9, 2025
Housing Plan Falls Short
This op-ed was originally published in Your Observer. You can read the whole piece here. Recently, the Florida Housing Coalition, along with the Gulf Coast Community Foundation, Barancik Foundation, Patterson Foundation and the Community Foundation of Sarasota released a Sarasota Housing Action Plan diagnosing the county’s housing crisis and recommending some approaches to fixing it. The report…
July 3, 2025
A Republican Bailout for Blue Cities? The Low-Income Housing Tax Credit Trap Explained
The Republican Party’s much-touted “One Big Beautiful Bill Act” includes a $14 billion bailout for some of America’s worst-run cities, all thanks to the proposed expansion of the Low-Income Housing Tax Credit (LIHTC). Doing so would funnel billions more into a program that props up a fundamentally broken housing system without adding the new supply desperately needed…
July 2, 2025
Have You Heard the Good News?
A quick look at some recent headlines shows that we have problems. The nation sharply and angrily divided along political lines. Rioters in the streets of Los Angeles. A destructive trade war. Debt and deficits at unsustainable levels. Those are real and serious problems (and not close to an exhaustive list). But the tenor of…
July 2, 2025
Holding Colleges Accountable: From Graduation to Gainful Employment
Event Summary On July 2, USA Today education reporter Zachary Schermele moderated a web event with AEI Senior Fellow Beth Akers and Jonathan Fansmith, senior vice president of government relations and national engagement at the American Council on Education. This week, the Senate passed the One Big Beautiful Bill Act, which contained several provisions regarding…
July 2, 2025
Congress Could Rein In Graduate Student Loans
Congress is on the verge of eliminating Grad PLUS—the program which extends effectively unlimited taxpayer-funded loans to graduate students—and imposing caps on graduate loans for the first time since 2006. On Tuesday, the Senate passed a budget reconciliation bill ending the program, which has fueled tuition hikes, exploded student debt, and padded the budgets of wealthy universities….
July 1, 2025
Irresistible Force, Meet the Immovable Object
Some important new numbers are out on the future of the US labor supply, highlighting how a confluence of factors—demographic aging, economic growth, and restrictive immigration policy—are conspiring to create historically tight labor markets in the coming years. The impacts of these trends on businesses and consumers will be pervasive, difficult to manage, and annoying. Americans, I…
July 1, 2025
More Information Sharing Means Fewer Taxpayer Losses to Fraud
Last month, Rep. Lloyd Doggett (D-TX) introduced a resolution of inquiry objecting to the Trump administration’s development of a “centralized database” that “compiles American citizens’ personal information across federal agencies and departments.” The resolution states that personal information includes “confidential taxpayer, identity, wage, child support, bank account, student loan, health, medical, financial, or other information.” Left unsaid…
June 30, 2025
America’s Six Million Home Shortage: Why California Is at the Epicenter
A growing body of research estimates that the US faces a severe housing shortage, with missing homes numbering between 3.8 million and 8.2 million. Using the midpoint—approximately six million missing homes—new AEI Housing Center analysis shows where this shortage is most acute and why about two million missing homes can be traced back to California and its neighbors….