Mutual funds are a key resource for Americans saving for retirement, college, and other long-term goals. With hundreds of fund families and thousands of individual funds crowding the marketplace, competition would hardly seem an issue. Yet funds are failing to compete effectively on price....

This book argues that privatization of the government-sponsored enterprises is the only viable way to protect the taxpayers and the economy....

Because two disparate, almost diametrically opposite clients demand loyalty from Fannie Mae and Freddie Mac, these government-sponsored entities must fulfill two ultimately irreconcilable roles....

American consumers have become accustomed to obtaining instant credit. The process requires that credit bureaus have easy access to sensitive financial information about individuals, compiled largely without their consent....