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Events • May 16, 2012 

# *American Nightmare: How Government Undermines the Dream of Homeownership*

[![Creative Commons License](/build/cato_2020/images/creative-commons.svg)](http://creativecommons.org/licenses/by-nc-sa/4.0/) 
This work is licensed under a [Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License](https://creativecommons.org/licenses/by-nc-sa/4.0/). 

##### Featuring 

[![Randall O'Toole](/sites/cato.org/files/styles/author_picture/public/2021-01/Randall%20O%27Toole.jpg?itok=zmLbyrhs)](/people/randal-otoole) 

##### [Randal O’Toole](/people/randal-otoole)

Former Senior Fellow, Cato Institute

[![Calabria Cropped](/sites/cato.org/files/styles/author_picture/public/2021-10/calabria-cropped.jpg?itok=5EpCNOFT)](/people/mark-calabria) 

##### [Mark A. Calabria](/people/mark-calabria)

Former Director, Federal Housing Finance Agency; Former Chief Economist, Vice President Mike Pence; Former Senior Advisor, Cato Institute

[ 

](https://x.com/MarkCalabria) [ 

](mailto:mcalabria@cato.org) 

##### Paul Emrath 

Paul Emrath