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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  • 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

  • Streamlining MLO Licensing

    States should adopt more uniform licensing requirements and permit greater opportunities for movement of qualified licensed professionals among states. Overview: The federal Secure and Fair Enforcement for Mortgage Licensing (SAFE) Act of 2008 requires mortgage loan originators (MLOs) employed by n