Not that this is a major problem with the article, but the Powell and Stringham paper they refer to is from 2004, and can be accessed here. <a href="http:&#x2F;&#x2F;papers.ssrn.com&#x2F;sol3&#x2F;papers.cfm?abstract_id=1676277" rel="nofollow">http:&#x2F;&#x2F;papers.ssrn.com&#x2F;sol3&#x2F;papers.cfm?abstract_id=1676277</a><p>They don&#x27;t misrepresent it, but it is rather old.<p>I think it would be relevant to see how these policies have faired over the last 8 years. I suspect that they have done more harm, rather than less through the housing crisis.