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Mark A. Calabria, is director of financial regulation studies at the Cato Institute. Before joining Cato in 2009, he spent six years as a member of the senior professional staff of the U.S. Senate Committee on Banking, Housing and Urban Affairs. In that position, Calabria handled issues related to housing, mortgage finance, economics, banking and insurance for Ranking Member Richard Shelby (R-AL). Prior to his service on Capitol Hill, Calabria served as Deputy Assistant Secretary for Regulatory Affairs at the U.S. Department of Housing and Urban Development, and also held a variety of positions at Harvard University’s Joint Center for Housing Studies, the National Association of Home Builders and the National Association of Realtors. Calabria has also been a Research Associate with the U.S. Census Bureau’s Center for Economic Studies. He has extensive experience evaluating the impacts of legislative and regulatory proposals on financial and real estate markets, with particular emphasis on how policy changes in Washington affect low and moderate income households. He holds a doctorate in economics from George Mason University.

More from Mark A. Calabria


Making a Fannie and Freddie We Could Live With

The Hill (Online). April 27, 2015.

A Call for Model Modesty in Banking and Insurance

Cayman Financial Review. April 21, 2015.

Promises of Public Banks Don’t Match Reality

American Banker. March 5, 2015.


On the Political Possibility of Separating Banking and the State

The Journal of Private Enterprise. Vol. 29. No. 3. Fall 2014.

The Case against TRIA

IN Magazine. Summer 2013.

Would Consolidating Regulators Avoid the Next Crisis?

Lombard Street. Vol. 1. No. 16. November 15, 2009.