Bernard Vorms is the director of France’s national housing information agency, ANIL (Agence Nationale pour l’Information sur le Logement) and president of the SGFGAS (Société de Gestion du Fonds de Garantie de l’Accession Sociale, a French government-sponsored fund for guaranteeing mortgages for social access to home-ownership). He is also the editor of ANIL’s bimonthly publication, Habitat Actualité, and an expert on the funding and organisation of the housing market – a field in which he has undertaken various projects for public authorities. ANIL’s key studies and publications can be viewed free of charge on the agency’s website: www.anil.org