Michael Stegman, a fellow at the Bipartisan Policy Center (BPC), released, "A Framework for Improving Access and Affordability in a Reformed Housing Finance System." This proposal aims to address the affordable housing goals in a bipartisan way and ensure adequate credit access in a new housing finance system. Stegman’s proposal would eliminate the affordable housing goals that require Fannie Mae and Freddie Mac to finance a certain percentage of affordable mortgages to low- and moderate-income borrowers. Instead, it would require Fannie Mae and Freddie Mac to create plans to increase lending to underserved markets with benchmarks to gauge success. The plan would also increase the financial resources for affordable rental housing and expanding mortgage access. This approach does not assume a specific structure for the government sponsored enterprises, though it does assume a government guarantee of qualified mortgage-backed securities.