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.

Learn more.

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  • Basel III Treatment of Mortgage Servicing Assets

    The punitive treatment of mortgage servicing rights (MSRs) under the Basel III risk-based capital standards threatens to undermine the value of this important asset, with adverse implications for the entire mortgage finance chain.  Performance, capacity and service should be the primary drivers

  • 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

  • Risk Retention Rule/QRM

    In December 2014, six federal regulators finalized the risk retention rule, as mandated by the Dodd-Frank Act. Compliance with the new rules was required by December 24, 2015 for residential mortgage-backed securities (MBS) and will be required by December 24, 2016 for all other asset-backed securit