Tysm for the source, I do understand the budget argument as currently there are almost no itin loans being underwritten by banks. If the banks don’t think they can make money on it, greatly expanding the market (while noble) sounds like opening the floodgates of losses. It also could create a gold rush/competition if California is successful but that literally may take 15+ years to find out.
Technically it is not. The city of New York encompasses 3 Islands (Including Long Island, the largest island in America) and only a small peninsula that is actually on the Mainland proper. The result is that about 90% of New York City is not on the American mainland/continent.