It’s local housing regulations , stupid.

The primary explanation for the large housing shortage in the United States is local zoning and building code regulations for new residential construction. Residential housing policy is largely a matter for state and local government, but there is a role for the federal government to play in making housing more affordable.

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Earlier this week, Secretary of the Treasury Scott Bessent said President Donald Trump may declare a national housing emergency in the coming months. Bessent’s comments suggest housing affordability will be a key issue in next year’s mid

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