Loose regulation of Fannie Mae and Freddie Mac has "encouraged" the government-sponsored enterprises to lag the market in terms of financing affordable housing, making it more difficult for depository institutions to meet their Community Reinvestment Act obligations, according to a study done by the Consumer Mortgage Coalition. The paper, "Fannie Mae’s and Freddie Mac’s UnAffordable Housing Goals," finds that the regulatory framework of the CRA imposes more substantive requirements on lenders than what the goals