The U.S. Department of Housing and Urban Development Secretary Julian Castro and Rep. Ed Royce, R-CA, agree that housing reform needs to happen, but while Royce emphasized the need to get private capital back in the system, Castro focused on the issue of credit access. Royce and Castro were speakers during a June 3 housing finance forum in Washington sponsored by the National Journal. Castro said part of the challenge for Democrats and Republicans in both Houses is the issue of access to credit. “How do you ensure that in the system there’s a good amount of access of credit to people of moderate means just like people of strong means,” said Castro.