All Issues List

 Have you read our new white paper, GSE Reform: Creating a Sustainable, More Vibrant Secondary Mortgage Market?

This white paper presents MBA's recommended approach to GSE reform, the last piece of unfinished business from the 2008 financial crisis. It outlines the key principles and guardrails that should guide the reform effort and provides a detailed picture of a new secondary-market end state.

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  • ATR/QM Improvements

    The Consumer Financial Protection Bureau's (CFPB's) Ability-to-Repay (ATR) rule and its Qualified Mortgage (QM) standards must be improved to ensure more qualified borrowers can access safe and sustainable credit. Overview: The ATR rule requires lenders to determine that a borrower has a reasonabl

  • CFPB Enforcement Concerns

    More than five years after becoming the primary consumer mortgage regulator, the Consumer Financial Protection Bureau's (CFPB's) use of consent decrees and administrative decisions to make changes in the rules-rather than using rulemaking or published guidance-has created uncertainty in the market a

  • HOA Super Lien Priority

    Strict adherence to lien priorities-the concept of "first in time, first in right"-is critical to the functioning of the U.S. housing market, especially one dependent on an active, liquid secondary mortgage market. As a core principle, private liens recorded after origination of a first lien mortgag

  • SAFE Act Revisions: Transitional Authority

    The federal Secure and Fair Enforcement for Mortgage Licensing (SAFE) Act of 2008 created an asymmetrical regulatory regime for mortgage loan originators (MLOs) that has resulted in uneven consumer protections and an un-level playing field for MLOs. MBA supports the creation of a transitional author

  • The New Home Mortgage Disclosure Act Rule

    On October 15, 2015, the Consumer Financial Protection Bureau (CFPB) issued a new final HMDA rule that significantly expands the data points to be collected and reported by lenders. The rule also changes the coverage requirements for institutions, transactions and reporting. Subsequently-on April 25

  • TILA-RESPA Integrated Disclosure Rule

    The TILA-RESPA Integrated Disclosure (TRID) rule became effective on October 3, 2015. A proposed rule to make corrections and offer additional clarity has not yet been finalized. TRID's implementation remains a great challenge to the real estate finance industry. MBA urges the Consumer Financial Pro