As the conversation continues between FNF's Chuck Cain and real estate and lending industry veteran Dave Stevens, the focus shifts from regulatory and compliance concerns to the bigger issues ahead. Affordability, or lack thereof, due to a significant shortage of housing inventory, will continue to pinch the housing market even as rates are expected to ease in the latter half of 2023. Stevens offers his take on what Uncle Sam needs to do- but don't count on anything happening anytime soon.