# Multimedia 

Multimedia 

---

- [Podcasts](/podcasts)
- [Cato Video](/multimedia/cato-video)
- [Video Series](/search/category/video-series)
- [Events](/multimedia/events)

Download:

[ 

Video 

](https://fastly-unsigned-us-east-1-prod.brightcovecdn.com/media/v1/pmp4/static/clear/6039378657001/3fde2c0a-5296-48a1-bb72-fd448cdca777/ac65da1d-431c-4311-84e9-4ceb4dbea62d/main.mp4) 

[ 

Audio 

](https://feeds.acast.com/public/streams/5e2e15a046f4465f31c89d8c/episodes/68c46f6444d0096b87aa305a.mp3) 

Events • September 11, 2025 

# Right-sizing Financial Regulation: Government Intervention in Housing Finance 

Financial markets are some of the most heavily regulated markets in the United States. Firms and individuals that wish to engage in financial services–related businesses face complex regulatory regimes that are overseen by a web of agencies that includes, on the federal level, several banking regulators, two markets regulators, and a consumer protection regulator. But the regulation doesn’t end there, as a host of other agencies, including state-level regulators and self-regulatory organizations, may also have oversight responsibilities. As attention has turned to ideas of government efficiency, financial regulation should not be left out of the conversation. But how should we right-size financial regulation?

Our conference seeks to shed light on this question by asking: How many financial regulators is the right number? What should the balance be between federal and state financial regulation? Should the Federal Reserve shed its regulatory functions? Has federal intervention in housing finance gone too far?

[![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 

![David Dworkin circle](/sites/cato.org/files/styles/author_picture/public/2025-08/david-dworkin-circle.jpeg?itok=sT2eVNvh) 

##### David Dworkin 

National Housing Conference

[![Norbert Michel Cropped](/sites/cato.org/files/styles/author_picture/public/2025-01/norbert-m-cropped.jpg?itok=8WIx97Dk)](/people/norbert-michel) 

##### [Norbert J. Michel](/people/norbert-michel)

Vice President and Director, Center for Monetary and Financial Alternatives, Cato Institute

[ 

](https://x.com/norbertjmichel) 

![Edward Pinto circle](/sites/cato.org/files/styles/author_picture/public/2025-08/edward-pinto-circle.jpeg?itok=EwDasJqB) 

##### Edward Pinto 

American Enterprise Institute

![Dana Wade Circle](/sites/cato.org/files/styles/author_picture/public/2025-08/dana-wade-circle.jpeg?itok=eKZB9nef) 

##### Dana Wade 

The Peter G. Peterson Foundation

![Claire Williams Circle](/sites/cato.org/files/styles/author_picture/public/2025-08/claire-williams-circle.jpeg?itok=O7ilRgKt) 

##### Claire Williams 

*American Banker*

[ 

](https://twitter.com/byclairew)