Question: What type of details about mark a. calabria can be gathered from the following bio? Bio: mark a. calabria , ph.d. , is director of financial regulation studies at the cato institute . he was a member of the senior staff of the u.s. senate committee on banking , housing and urban affairs where he handled issues related to housing , mortgage finance , economics , banking and insurance for ranking member richard shelby . calabria previously served as staff on the senate banking committee under chairman phil gramm . calabria has served as deputy assistant secretary for regulatory affairs at the u.s. department of housing and urban development , and also held a variety of positions at harvard university 's joint center for housing studies , the national association of home builders and the national association of realtors . he was a research associate with the u.s. census bureau 's center for economic studies . calabria has testified before congress and has appeared on c-span 's book tv discussing '' how america 's infatuation with home ownership and easy money created the economic crisis '' . he has written for forbes , san diego union-tribune , the wall street journal -lrb- online -rrb- , and the new york post . he has discussed related issues on cnbc 's the kudlow report & street signs , fox affiliate wttg news , nbc affiliate wdsu news , and wor 's the steve malzberg show . in his testimony before the house committee on financial services in september 2009 , calabria stated that , '' the current foreclosure relief efforts have largely been unsuccessful because they have misidentified the underlying causes of mortgage default . it is not exploding arms or predatory lending that drives the current wave of foreclosures , but negative equity driven by house prices declines coupled with adverse income shocks that are the main driver of defaults on primary residences . ''
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