In today’s Daily Download episode, HousingWire covers a plea from the nation’s lawmakers to Federal Housing Finance Agency Director Mark Calabria to rethink the adverse-market fee.For some background on the story, here’s a summary of the article: Federal Housing Finance Agency Director Mark Calabria took fire during Congressional testimony on Wednesday about the implementation of an adverse-market fee that’s expected to add about $1,400 to the cost of refinanced mortgages delivered to Fannie Mae or Freddie Mac after Dec. 1.The need for the fee is based on recapitalizing the two mortgage financiers so they can be released from government conservatorship, Rep. Brad Sherman (D-CA) said during his questioning of Calabria. That’s a scenario that is unlikely to happen if former Vice President Joe Biden usurps President Donald Trump in the Nov. 3 election, as numerous national polls show him poised to do.“Don’t institute the fee – wait until next year when a new Congress can look anew at whether we are going to recreate these agencies in a form that didn’t work last time, and if not, we don’t need the fees,” Sherman said, expressing a view echoed by several lawmakers during the session. Following the main story, HousingWire covers an announcement from the Federal Reserve that it anticipates mortgage rates will remain low through 2023, and an analysis from Pew Research Center that suggests more young adults are now living at home than during the Great Depression.The Daily Download examines the most compelling articles reported from the HousingWire newsroom. Each afternoon, we provide our listeners with a deeper look into the stories coming across our newsroom that are helping Move Markets Forward. Hosted by the HW team and produced by Alcynna Lloyd.HousingWire articles covered in this episode:Lawmakers ask Calabria to rethink adverse-market feeFed says expect low rates through 2023More young adults live at home now than during the Great Depression