Are Fannie Mae and Freddie Mac setting themselves up to eventually become players in the origination side of the home-equity market? Researchers at the American Enterprise Institute say the answer is probably "yes." "The effort to create a Fannie Mae and Freddie Mac brand – unnecessary for wholesale operators with what is essentially a monopoly of their market – foreshadows a program of dealing directly with consumers in the future," said Peter Wallison, coordinator of