Trump is making home loans riskier during a housing crisis

Mehrsa Baradaran, a law professor at the University of California, Irvine is the author of the 2019 book The Color of Money, an examination of the racial wealth gap. She argues that trying to create incentives for banks to fix what is effectively a public policy problem just isn’t effective. … “We are doing all this public support, just cut the banks out as the middleman. If the [Federal Housing Agency] is going to guarantee it or if the [Department of Energy] is going to give you the metrics for the loan, then just send it directly,” she says.