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        <title><![CDATA[Richard Koss]]></title>
        <description><![CDATA[Richard Koss is an economic and real estate consultant and adjunct professor at the Carey School of Business at Johns Hopkins University. Previously, he was head of capital markets research at Fannie Mae.]]></description>
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            <title><![CDATA[The Mortgage Market Is Moving Into the Shadows]]></title>
            <description><![CDATA[Regulators should pay closer attention to the boom in non-bank lending.]]></description>
            <link>https://www.bloomberg.com/view/articles/2018-02-23/mortgage-loans-the-market-is-moving-into-the-shadows</link>
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            <dc:creator><![CDATA[Richard Koss]]></dc:creator>
            <pubDate>Fri, 23 Feb 2018 11:00:10 GMT</pubDate>
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                <media:description>MIAMI - DECEMBER 14:  A foreclosure sign hangs in front of a home December 14, 2006 in Miami, Florida. The Mortgage Bankers Association, in its quarterly report of the mortgage market, reported that the percentage of mortgage payments that were 30 or more days past due for all loans tracked jumped to 4.67 percent in the July-to-September quarter.  (Photo by Joe Raedle/Getty Images)</media:description>
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            <title><![CDATA[A Bad Start on Reforming Fannie and Freddie]]></title>
            <description><![CDATA[The Trump administration's actions suggest it's unwilling or unable to fix housing finance.]]></description>
            <link>https://www.bloomberg.com/view/articles/2018-01-15/a-bad-start-on-reforming-fannie-and-freddie</link>
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            <dc:creator><![CDATA[Richard Koss]]></dc:creator>
            <pubDate>Mon, 15 Jan 2018 10:00:21 GMT</pubDate>
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                <media:description>Snow surrounds a sign at the Fannie Mae headquarters in Washington, D.C., U.S., on Monday, March 17, 2014. Fannie Mae and Freddie Mac would continue paying all of their profits to the Treasury for the next five years under bipartisan Senate legislation designed to wind down the U.S.-owned mortgage financiers and overhaul the government&apos;s role in the housing market. Photographer: Andrew Harrer/Bloomberg via Getty Images</media:description>
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