Residential Policy Issues
MBA is committed to working with our members and policymakers to strengthen the housing finance system to deliver fair, sustainable and responsible financing to meet the ever-changing needs of homeowners.
Check out our current list of active issues to see how we are working for our members. Use the search box and/or filters below to find the exact issue you are looking to explore.
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Attorney Opinion Letters on Alternative Title Insurance Product OfferingsMBA Members have exclusive access to a white paper by Blank Rome that discusses the emerging attorney …
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Bank Risk-Based Capital IssuesMBA will continue to advocate for less demanding requirements so that more community banks would qualify …
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Building Generational Wealth through Homeownership InitiativeThrough advocacy, partnerships and connections within the industry, MBA can raise awareness of homeownership …
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Community Reinvestment Act (CRA)There is a general consensus on all sides (the banking industry and the regulators) that the rules implementing …
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Consumer Financial Protection Bureau (CFPB) Origination IssuesMBA supports both of the CFPB's statutory mandates and advocates for improvements and clarifying interpretations …
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Consumer Financial Protection Bureau (CFPB) Servicing IssuesThe CFPB's Mortgage Servicing Rules helped to standardize mortgage servicing practices and provide important …
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CSBS Model State IMB Capital, Liquidity, and Governance StandardsDuring the pandemic, independent mortgage banker (IMB) members of MBA received permission from state …
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Fannie Mae and Freddie Mac Policies and ProgramsMBA supports comprehensive legislative reforms that would fix the structural flaws of the GSEs' pre-crisis …
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Federal Home Loan Banks (FHLB) Policies and ProgramsMBA supports continued evaluation of the FHLB membership eligibility criteria, particularly as the mortgage …
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Federal Housing Administration (FHA) ProgramsMBA’s policy and advocacy efforts have focused on expanding the number of lenders participating in …
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Federal Housing Finance Agency (FHFA) Policies and ProgramsAcross the GSEs and the FHLBs, MBA has highlighted the need for transparent policies that promote liquidity …
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Financial Accounting Standards Board (FASB) StandardsCECL probably represents one of the most significant rewrites of U.S. GAAP in the past 40 years. It will …
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Ginnie Mae EBO SecuritizationRead Our Proposal Ginnie Mae EBO SecuritizationInside you will find:Executive SummaryIssue StatementProposal …
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Ginnie Mae Policies and ProgramsMBA has advocated for funding that supports technological enhancements and platform improvements at Ginnie …
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Independent Mortgage Bankers (IMB) Fact SheetToday's IMB sector plays a crucial role in serving the single-family mortgage market with sustainable …
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LIBOR TransitionThe transition away from the London Interbank Overnight Rate (LIBOR) as a viable index for floating-rate …
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Loan Servicing StandardsRise in default and increased regulatory burden saddled servicers in the last decade with rapid increases …
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Private-Label Securities (PLS) MarketMBA supports both market-based and policy-based reforms that would make the private-label market more …
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Property Assessed Clean Energy (PACE) LendingFederal consumer protection regulations are needed because all PACE loans are not subject to …
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Remote Online NotarizationRemote Online Notarization, or RON, is the use of audio/visual technology to complete a notarial act …
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Remote Work PoliciesDuring the pandemic, independent mortgage banker (IMB) members of MBA received permission from state …
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RESPA 8Inside you will find: General Recommendations Recommendations for Marketing …
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Secure and Fair Enforcement for Mortgage Licensing (SAFE) Act and Nationwide Mortgage Licensing System (NMLS)Currently, the NMLS and the MCR are subject to proposed sweeping changes. Given the number and scope …
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State Artificial Intelligence Law and the Real Estate Finance IndustryState data protection bills must not unintentionally impede homeownership. To help inform the policy …
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State Community Reinvestment Act (CRA) LegislationRegulators and legislators are considering options to extend the reach of the Community Reinvestment …
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State Data Protection IssuesState data protection bills must not unintentionally impede homeownership. To help inform the policy …
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State Legislative and Regulatory ResourcesThe Resource Center serves as a central repository for MBA's state and local information and …
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Tax IssuesMBA encourages policymakers to support and enact tax laws that support long-term economic growth, which …
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The Future of Loss MitigationMBA has considered how the COVID-19 pandemic should shape the industry’s permanent loss mitigation policy …
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U.S. Department of Agriculture’s Rural Housing ServiceMBA has focused on educating to members and other stakeholders on RHS offerings, promoting technological …
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U.S. Department of Veterans Affairs (VA) ProgramsThe VA-backed home loan program is a vital tool in home financing for those who have served their country …
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Warehouse Lending Fact SheetWarehouse lenders efficiently and affordably finance the home mortgage lending of independent mortgage …
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