Tobias Peter is a senior fellow and the codirector of the American Enterprise Institute’s Housing Center. He has testified before Congress, and his pieces have been published in policy journals and in the popular press, including in the Wall Street Journal, American Banker, and Business Insider. He has a master’s in public policy from the Harvard Kennedy School and a bachelor’s degree in history and applied economics from the College of St. Scholastica. His email is Tobias.Peter@AEI.org.