Resources
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MBA Letter to CFPB on 2026-2030 Strategic Plan
The Mortgage Bankers Association (MBA)1 welcomes the opportunity to comment on the Consumer Financial Protection Bureau’s (CFPB or Bureau) draft Strategic Plan for FY 2026-2030. MBA agrees with the aim of the strategic plan to concentrate the CFPB’s resources on identifying and addressing pressing threats to consumers, reversing instances of regulatory overreach, and lowering the compliance and liability costs associated with consumer financial products.
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MBA Statement for the Record on HFSC Subcommittee on Financial Institutions Hearing on Access to Credit
MBA write to you regarding the planned hearing on April 16, 2026, before the House Financial Services Committee’s Subcommittee on Financial Institutions, entitled “Promoting Access to Credit for Everyday Americans.” The hearing will seek to solicit the views of stakeholders on a range of issues that impact Americans’ ability to access differing forms of consumer credit, including home mortgage credit. Accordingly, MBA wishes to submit this letter as a statement for the Subcommittee’s hearing record.
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Statement of Owen Lee Chief Executive Officer of Success Mortgage Partners, 2026 MBA Chair-Elect, on the VA Home Loan Program Before the House of Representatives House Committee on Veterans’ Affairs Economic Opportunity Subcommittee
Owen Lee Chief Executive Officer of Success Mortgage Partners, 2026 MBA Chair-Elect, testifies before the House of Representatives House Committee on Veterans’ Affairs Economic Opportunity Subcommittee on the VA Home Loan Program.
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MBA Joint Trades Letter to House Leaders on Build-to-Rent Provision in 21st Century Road to Housing Act
The organizations below write to express gratitude for the House’s work on landmark legislation to address our nation’s housing affordability crisis. As strong supporters of the House-passed Housing for the 21st Century Act, we are deeply concerned by and oppose newly included language in Section 901 of the 21st Century ROAD to Housing Act passed by the Senate on March 12, 2026, which would effectively eliminate the production of Build-to-Rent (BTR) housing. Put simply, this provision inexplicably takes new housing units off the table and would exacerbate our housing crisis. We urge you to take action to amend this bill and preserve the production of BTR housing nationwide.
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MBA Letter to House Leaders on 21st Century ROAD to Housing Recommended Changes
Mortgage Bankers Association write regarding the 21st Century ROAD to Housing Act, as passed by the full Senate and asks that MBA's views are considered regarding specific sections of the legislation and act to amend and improve the bill.
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MBA Response Letter to VA Draft of Partial Claim and Loss Mitigation Waterfall Changes
MBA welcomes the opportunity to comment on the Department of Veterans Affairs’ (VA) proposed policies establishing a partial claim option and changing the VA’s loss mitigation waterfall. The MBA thanks the VA for implementing the VA Home Loan Program Reform Act and applauds the VA for its use of the Drafting Table to gather feedback from stakeholders before implementing policy.
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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 Letter to Senate Leaders on Suggested Improvements to 21st Century ROAD to Housing Act
MBA write to comment on the 21st Century ROAD to Housing Act, which represents a positive effort to help boost housing supply, expand affordable homeownership for families, reduce unnecessary regulatory burdens, and embrace modern manufactured and modular housing.
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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.