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Mark A. Calabria was 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


Time to Reform the Mortgage Interest Deduction

The Hill (Online). February 6, 2017.

Treasury’s Agenda for Steven Mnuchin Is Already Set

The Hill (Online). December 2, 2016.

How Meddling with Monetary Policy Shaped Modern Mortgages

National Mortgage News. October 3, 2016.


Society, Finance & Freedom

Banking Perspective. Fall 2015.

A Skeptical Look at Mortgage Reform Under the Dodd-Frank Act

Mortgage Compliance Magazine. July 15, 2015.

On the Political Possibility of Separating Banking and the State

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