The document summarizes key housing and mortgage market events and reports from 2020 and 2019, including: 1) Several major banks were accused of price-fixing Fannie Mae and Freddie Mac bonds. 2) Reports from the Joint Center for Housing Studies of Harvard University on the state of the nation's housing and biennial compilation of pertinent housing research. 3) Actions by the U.S. Federal Reserve to reduce interest rates in response to the COVID-19 pandemic economic impact.