Resources
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MBA Letter on H.R. 9237, the Take Care of America’s Veterans Act
MBA write to you regarding H.R. 9237, the Take Care of America’s Veterans Act, which is scheduled to come before the full House (subject to a rule) for a floor vote later this week. MBA understands and fully supports the laudable goals of this legislation – including (and especially) the changes designed to ensure affected veterans receive the enhanced disability and survivor benefits they so richly deserve. However, MBA cannot fully support the bill in its current form, given the harmful impact the VA Home Loan program funding fee increases contained in the bill’s Section 104 would have on veterans’ access to affordable home financing.
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MBA Support Letter to House Leadership on 21st Century ROAD to Housing Act
MBA write to you in support of the Senate’s most recent amendment to the House amendment to the Senate amendment to the 21st Century ROAD to Housing Act, H.R. 6644 (as amended). Thank you for your collective efforts that have resulted in this current agreed-upon version of a comprehensive housing package now before the House – with a vote on final passage of the measure scheduled for consideration under suspension of the rules as soon as tomorrow.
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MBA Letter to Banking Agencies on Basel III Re-proposal (New Markets Tax Credit)
The undersigned organizations comment on the notices of proposed rulemaking (NPRs) issued by the Board of Governors of the Federal Reserve System (Federal Reserve), the Federal Deposit Insurance Corporation (FDIC), and the Office of the Comptroller of the Currency (OCC) (jointly, the Agencies). The NPRs consist of (i) proposed revisions to the risk-based capital framework for Category I and II banking organizations (Basel III proposed regulations) and (ii) proposed modifications to the standardized approach for credit risk applicable to other banking organizations (the Standardized Approach Proposed Regulations, and together with the Basel III proposed regulations, the Proposals).
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MBA Joint Letter on Basel III Re-proposal (re: LIHTC risk weights)
The undersigned organizations comment on the Notices of Proposed Rulemaking (NPR) for regulatory capital rule amendments applicable to large banking organizations and to banking organizations with significant trading activity, as well as regulatory capital and the standardized approach for risk weights for other banking organizations, both published on March 27, 2026.
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MBA Letter to the Banking Agencies on Basel III Re-proposal Recommendations
MBA comments on the notices of proposed rulemaking (the “NPRs”) issued by the Board of Governors of the Federal Reserve System (the “Board”), the Federal Deposit Insurance Corporation (the “FDIC”), and the Office of the Comptroller of the Currency (the “OCC”) (collectively, the “Agencies”). The NPRs consist of (i) proposed revisions to the risk-based capital framework for Category I and II banking organizations (the “Basel III Proposal”) and (ii) proposed modifications to the standardized approach for credit risk applicable to other banking organizations (the “Standardized Approach Proposal,” and together with the Basel III Proposal, the “Proposals”).
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MBA Letter to Senate Leadership on 21st Century ROAD to Housing Act
Mortgage Bankers Association write in support of the Scott/Warren Senate amendment to the House amendment to the Senate amendment to the 21st Century ROAD to Housing Act, H.R. 6644 (as amended). Thank you for your collective efforts that have resulted in this current agreed-upon version of a comprehensive housing package now before the Senate – with a vote on final passage of the measure scheduled to take place later this week.
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MBA Comment Letter on FEMA Review Council Final Report
MBA comments on the FEMA Review Council's Final Report dated May 7, 2026. MBA supports efforts to streamline disaster response, enhance resilience, and improve coordination.
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MBA Joint Trades Letter to FHFA on Appraisals
The undersigned organizations write to express our support for the policy opportunities presented by President Trump’s March 13, 2026, Executive Order “Promoting Access to Mortgage Credit.”1 Pursuit of the policy goals outlined in the Executive Order, by the Federal Housing Finance Agency (FHFA) and other agencies, has the potential “to improve the availability and affordability of mortgage credit.”
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MBA Joint Trades Letter to CFPB on Mortgage Executive Order Priorities
MBA Joint Trades Letter to CFPB on Mortgage Executive Order Priorities
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MBA Letter on Amendments to the 21st Century ROAD to Housing Act
Mortgage Bankers Association write to you regarding the Hill/Waters House amendment to the Senate amendment to the 21st Century ROAD to Housing Act, H.R. 6644, as amended.
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MBA Joint Trade Letter to House on 21st Century ROAD to Housing Act
The undersigned organizations write to express our strong support for the House amendment to the 21st Century ROAD to Housing Act. This critically needed legislation makes a substantial down payment on efforts to address the housing affordability crisis affecting communities nationwide.
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MBA Joint Letter to House on Amended Version of 21st Century ROAD to Housing Act
The undersigned organizations express support for the 21st Century ROAD to Housing Act and to urge the House of Representatives to pass it without delay. Building more homes is the best way to lower housing costs for American families. The House bill reflects that reality. It preserves pro-supply provisions while making critical corrections to ensure that the 21st Century ROAD to Housing Act truly meets its promise as a housing supply bill.
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MBA Joint Trade Letter on FSOC’s Proposed Guidance on Nonbank Financial Company Designations
The undersigned associations write to express support for the Financial Stability Oversight Council's (FSOC) proposed interpretive guidance ("Proposed Guidance") governing the designation of nonbank financial companies as systemically important financial institutions (SIFIs).
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MBA Comment Letter on FSOC’s Proposed Guidance on Nonbank Financial Company Designations
The Mortgage Bankers Association comments on the Financial Stability Oversight Council’s (“FSOC” or “Council”) proposed revision to its interpretive guidance (the “Proposal”) related to the designation of certain nonbank financial companies.
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MBA Joint Letter to HUD Supporting the Modernization of FHA appraisal
The undersigned organizations write to express support for the policy opportunities presented by President Trump’s March 13, 2026, Executive Order “Promoting Access to Mortgage Credit.” Pursuit of the policy goals outlined in the Executive Order, by the U.S. Department of Housing and Urban Development (HUD) and other agencies, has the potential “to improve the availability and affordability of mortgage credit.”
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MBA Letter to HUD on the MAP Efficiency Mortgagee Letter
Mortgage Bankers Association provide feedback on the proposed Multifamily Improvements for MAP Efficiency Mortgagee Letter.
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MBA President and CEO Bob Broeksmit Written Testimony on HFSC Bank Capital Hearing
A statement of Robert D. Broeksmit, CMB, President & Chief Executive Officer of Mortgage Bankers Association, on Behalf of the Mortgage Bankers Association to the U.S. House of Representatives, House Financial Services Committee on “Prioritizing Main Street: Evaluating the Impact of Capital Proposals on Economic Growth and American Communities”.
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MBA Comment Letter to HUD on Opportunity Zones
MBA provides recommendations for how HUD can improve its multifamily mortgage insurance programs to better support the development and preservation of housing in Opportunity Zones. These recommendations would reduce friction in FHA execution, align underwriting with the time-sensitive nature of Opportunity Zone capital, and encourage more production in communities where additional housing investment is urgently needed.
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MBA Joint Letter to House Financial Services Committee Subcommittee on Housing and Insurance on CRT and Reinsurance
The signed organizations commend the House Subcommittee on Housing and Insurance, under the committee's leadership, for convening the hearing titled “Diversifying Risk: The Benefits of Reinsurance and Credit Risk Transfer.” At a time of heightened interest in housing affordability, taxpayer protection, and financial stability, the Subcommittee’s focus on risk-sharing tools that have proven their value across economic cycles is both timely and important.
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MBA Joint Letter to U.S. House Leadership on Section 901 (Build to Rent) Provision in 21st Century ROAD to Housing Act
The signed organizations write to express serious concerns regarding provisions included in the Senate-passed 21st Century ROAD to Housing Act that would undermine efforts to address our nation’s housing supply and affordability crisis. While we applaud the Senate’s efforts to promote homeownership, a key plank of the American Dream, Section 901 would decrease the housing supply and harm Americans. We urge you to ensure Section 901 is modified to remove provisions that are harmful to increasing the supply of affordable housing.