Resources
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MBA Letter to VA on Invoice and Fee Itemization Requirement
MBA appreciates the Department of Veterans Affairs’ (VA) efforts to ensure the VA Home Loan Guaranty (LGY) program protects Veterans from inappropriate fees. These requirements are impractical with respect to how certain common charges are processed. MBA urge the VA to adopt lender-generated documentation and bulk invoicing to better align with existing industry practices
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MBA Joint Trades Letter on Amending Section 901 of the 21st Century ROAD to Housing Act
The undersigned organizations write to express deep concern that language in Section 901 of the 21st Century ROAD to Housing Act, now pending before the Senate, would effectively eliminate the production of Build-to-Rent (BTR) housing.
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MBA Joint Letter to Senate Leaders on Section 901 (Build-to-Rent) of the 21st Century ROAD to Housing Act
The organizations below write to express gratitude for the Senate’s work on landmark legislation to address our nation’s housing affordability crisis. As strong supporters of the ROAD to Housing Act, the leadership of Senate Banking Committee Chairman Tim Scott and Ranking Member Elizabeth Warren is appreciated. However, there are deep concerns that language in Section 901 of the 21st Century ROAD to Housing Act, now pending before the Senate, would effectively eliminate the production of Build-to-Rent (BTR) housing
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MBA Response Letter to CFPB on Consumer Response Intake Form
MBA comments on the Consumer Financial Protection Bureau’s (CFPB or Bureau) request for comment on the Consumer Response Intake Form.
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MBA Statement for the Record for Senate Banking Hearing with Banking Agencies
MBA is writing to express support for improving housing affordability and investment in communities through bank capital modernization. As housing costs rise, the Committee’s hearing entitled “Update from the Prudential Regulators: Rightsizing Regulation to Promote American Opportunity,” provides an opportunity for critical dialogue on this topic.
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MBA Letter to Agencies on Warehouse Lending Capital Reform
The Mortgage Bankers Association writes to express support for the continued work by the agencies to encourage greater bank participation in the mortgage market by reexamining and reproposing a revised Basel III Endgame rule that would provide an opportunity to improve mortgage market stability and housing affordability.
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MBA Joint Trades Letter to Banking Agencies on Basel III Re-proposal Mortgage Impacts
The undersigned associations write to express our support for the continued work to reexamine and repropose a revised Basel III Endgame rule. The renewed effort provides an opportunity to improve mortgage market stability and housing affordability, while encouraging greater bank participation in the mortgage market.
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MBA Letter to HUD on Disparate Impact Rule
MBA Letter to HUD on Disparate Impact Rule
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MBA HVAC Letter on ANS to H.R. 6047, the Sharri Briley and Eric Edmundson Veterans Benefits Expansion Act of 2026
MBA writes to express the industry’s concerns regarding the funding offsets included within the Amendment in the Nature of a Substitute (ANS) to H.R. 6047, the Sharri Briley and Eric Edmundson Veterans Benefits Expansion Act of 2026. While fully supportive of the legislation’s honorable intent, MBA cannot yet support the ANS in its current form.
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Statement of Bob Broeksmit, MBA President and CEO, on Homeownership and the Role of the Secondary Mortgage Market Before the House of Representatives Committee on Financial Services Housing & Insurance Subcommittee
Bob Broeksmit, MBA President and CEO testifies before the House of Representatives Committee on Financial Services Housing & Insurance Subcommittee on Homeownership and the Role of the Secondary Mortgage Market.
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MBA Support Letter of H.R. 3682, the Financial Stability Oversight Council Improvement Act of 2025
MBA write to indicate our support of H.R. 3682, the Financial Stability Oversight Council Improvement Act of 2025, sponsored by Rep. Bill Foster (D-IL) and Rep. Bill Huizenga (R-MI). This legislation was favorably reported by the House Financial Service Committee on September 16, 2025, with strong bipartisan support.
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MBA Letter to House Leadership on Housing for the 21st Century Vote
Mortgage Bankers Association write to indicate our deep appreciation and support for the efforts of Chairman Hill and Ranking Member Waters – along with Housing and Insurance Subcommittee Chairman Mike Flood and Ranking Member Emmanuel Cleaver –that resulted in the comprehensive, bipartisan housing package known as the Housing for the 21st Century Act (H.R. 6644).
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MBA Joint Trade Letter to Department of Banking Insurance on the 2024 Annual Report Notices of Violation
The Mortgage Bankers Association of New Jersey (MBA of NJ), the Mortgage Bankers Association of Eastern Pennsylvania (MBA of EPA) and the national Mortgage Bankers Association (MBA), write to respectfully request the Department of Banking and Insurance (Department) reconsider the enforcement approach taken with respect to the 2024 annual report filing requirement for both Lenders Licenses Annual Report and the Mortgage Servicer License Annual report.
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MBA Comment Letter on Proposed Revisions to the Community Bank Leverage Ratio (CBLR)
MBA comments on the recent Notice of Proposed Rulemaking (NPR) issued by the Office of the Comptroller of the Currency, the Federal Deposit Insurance Corporation and the Board of Governors of the Federal Reserve that that would lower the community bank leverage ratio (CBLR) requirement for qualifying community banks from 9% to 8%, consistent with the lower bound provided in section 201 of the Economic Growth, Regulatory Relief, and Consumer Protection Act (the “Act”).
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CIAT Letter to HFSC on TRIA Reauthorization
The Coalition to Insure Against Terrorism (CIAT) strongly supports the TRIA Program Reauthorization Act of 2026 (H.R. 7128). The signed organizations urge the Financial Services Committee to advance this legislation to the full House without delay
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MBA Letter Supporting FY 2026 T-HUD Appropriations Package
MBA write to share the real estate finance industry’s views on H.R. 7148, the Consolidated Appropriations Act, that includes funding for the Departments of Transportation and Housing and Urban Development (HUD), and Related Agencies for Fiscal Year (FY) 2026, among other items.
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MBA Joint Letter to White House NEC on Housing Affordability Recommendations
The undersigned financial services trade organizations urge the Administration to consider three near-term administrative actions that can be taken without congressional action to directly lower costs for home mortgage borrowers. Appreciating home prices, rising monthly escrow payments for property taxes and insurance, supply issues, and higher interest rates continue to strain household incomes, particularly for first-time homebuyers.
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MBA Coalition Letter on New Final Rule on FinCEN Reporting Extension
The listed organizations and companies identified above write to advise of significant concerns regarding the application of the new Final Rule (89 Fed. Reg. 70,258) to non judicial foreclosure sales, mandating substantial new information collection and reporting and imposing significant new legal liability on small businesses nationwide. Given the final form for the report was only released in December, our coalition will undoubtedly continue to share feedback as companies think through the implications of these new regulations.
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MBA Joint Letter Urging Veto of COPA
The New York Mortgage Bankers Association (NYMBA) and the national Mortgage Bankers Association (MBA) write to urge your veto of Intro 902-A, the Community Opportunity to Purchase Act (“COPA”). This proposal will limit new development of multifamily properties in the City and exacerbate the affordable housing problem.
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MBA, Real Estate Trades Joint Letter on Housing for the 21st Century Act
The undersigned national real estate and housing organizations represent a broad coalition of housing providers, lenders, investors, and advocates committed to working collaboratively with Congress, the Administration, and regulators to address America’s housing affordability crisis. In that spirit, we write to express our strong support for the bipartisan Housing for the 21st Century Act and the Committee’s leadership in advancing practical, solutions-oriented housing policy.