unt ary ▁In iti atives : ▁Less ons ▁from ▁Bank ing ." ▁Econom ic ▁Review ▁( F eder al ▁Reserve ▁Bank ▁of ▁Atlanta ) ▁ 8 7 , ▁no . ▁ 1 ▁( 2 0 0 2 ): ▁ 4 5 - 5 9 . ▁ ▁Frame , ▁W . ▁Scott , ▁and ▁Larry ▁D . ▁Wall . ▁" Fin ancing ▁H ous ing ▁Through ▁Government - Sp ons ored ▁Enter pr ises ." ▁Econom ic ▁Review ▁( F eder al ▁Reserve ▁Bank ▁of ▁Atlanta ) ▁ 8 7 , ▁no . ▁ 1 ▁( 2 0 0 2 ): ▁ 2 9 - 4 3 . ▁ ▁Frame , ▁W . ▁Scott , ▁and ▁Lawrence ▁J . ▁White . ▁" F uss ing ▁and ▁F uming ▁over ▁F ann ie ▁and ▁Fred die : ▁How ▁Much ▁Sm oke , ▁How ▁Much ▁Fire ?" ▁Journal ▁of ▁Econom ic ▁Pers pect ives ▁ 1 9 , ▁no . ▁ 2 ▁( 2 0 0 5 ): ▁ 1 5 9 - 1 8 4 . ▁ ▁Frame , ▁W . ▁Scott , ▁and ▁Lawrence ▁J . ▁White . ▁" Comp et ition ▁for ▁F ann ie ▁Ma e ▁and ▁Fred die ▁Mac ?" ▁Reg ulation ▁ 2 7 , ▁no . ▁ 3 ▁( 2 0 0 4 ): ▁ 5 6 - 6 0 . ▁ ▁Frame , ▁W . ▁Scott , ▁and ▁Lawrence ▁J . ▁White . ▁" E mer ging ▁Compet ition ▁and ▁R isk - T aking ▁In cent ives