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• Treasury report February 2011: “Reforming<br />

America’s Housing Finance Market”<br />

• Does not mention role of segregation in housing and<br />

credit markets in subprime crisis<br />

• Three options laid out: variations of privatization<br />

• Potentially<br />

mortgage costs, down payments,<br />

fees/costs for FHA loans<br />

• Disproportionate impact on people of color and lowincome<br />

communities<br />

45

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