Resources
-
MBA Joint Support Letter for Housing for the 21st Century Act
The undersigned organizations write to express our support for today's markup of the Housing for the 21st Century Act. This bipartisan bill addresses critical gaps in our nation’s housing policy and represents meaningful progress on one of the most pressing challenges facing families in America today.
-
MBA Support Letter to HFSC on 21st Century Act
MBA write in support of Housing and Insurance Subcommittee Chairman Mike Flood and Ranking Member Emmanuel Cleaver crafting a comprehensive, bipartisan package that seeks to expand and preserve housing supply, improve housing affordability and access, and bolster the oversight and integrity of federal housing programs and g to express our industry’s specific views on various sections of the Amendment in the Nature of a Substitute (AINS) to the Housing for the 21st Century Act (H.R. 6644), as well as to provide comments regarding two other measures slated for consideration either today or tomorrow.
-
MBA Responds to CFPB on 1071 Reporting
MBA submits the following comments in response to the notice of proposed rulemaking (NPRM) issued by the Consumer Financial Protection Bureau (Bureau) captioned Reconsideration of Small Business Lending Under the Equal Credit Opportunity Act (Regulation B).
-
Joint MBA Response Letter to CFPB on 1071 Reporting
The undersigned associations respectfully submit the comments below in response to the notice of proposed rulemaking (NPRM) issued by the Consumer Financial Protection Bureau (Bureau) captioned Reconsideration of Small Business Lending Under the Equal Credit Opportunity Act (Regulation B).
-
MBA Letter to FHFA on Affordability – Removing Tri-Merge Credit Report Mandate
MBA comments on the ongoing efforts to approve the nation's housing system and make homeownership possible for all Americans. The decision to move forward with in the implementation of VantageScore 4.0 and the agreement with FICO on terms and conditions of their historical FICO 10T data were welcome announcements.
-
MBA Statement for the Record on House Financial Services Subcommittee Hearing on Bank Capital
The Mortgage Bankers Association comment for the record on the issues raised by the Subcommittee on Financial Institutions’ December 11, 2025, hearing entitled, “Right-Sizing the U.S. Bank Capital Framework: A Return to Tailoring, Economic Growth, and Competitiveness.”
-
MBA, NAR Joint Letter on HUD Counseling Resources
A coalition letter supporting HUD's Office of Housing Counseling in FY2026 appropriations. With first-time buyers at a record low, housing counseling is critical for helping consumers achieve and sustain homeownership. Counselors also help prevent costly foreclosures and provide required guidance for reverse mortgage borrowers. Adequate staffing at HUD's Office is essential to maintain program quality and oversight as Congress intended.
-
MBA Coalition Letter to HFSC on Multifamily Statutory Limits Bill (H.R. 6132)
The undersigned organizations support the bipartisan legislation, HR. 6132, the Housing Affordability Act, which is designed to update the Federal Housing Administration’s (FHA) multifamily insurance programs to more accurately capture the true cost of apartment construction. FHA’s current base statutory limits reduce the number of housing units HUD can and will insure nationwide. The statutory limits have not been adjusted since 2003.
-
MBA Joint Coalition Letter on National Flood Insurance Program
The undersigned organizations write in strong support of a long-term reauthorization of the National Flood Insurance Program (NFIP). As stakeholders representing real estate, insurance, lending, and state and local governments, we urge Congress to act decisively to ensure stability and certainty for the millions of Americans who rely on this vital program to protect their families and properties from flooding—the nation’s most common and costliest natural disaster.
-
MBA Comment Letter on RMBS Disclosures and Enhancements to ABS Registration
MBA thanks the Securities and Exchange Commission (SEC) for the opportunity to comment on the recently published Concept Release on Residential Mortgage-Backed Securities (RMBS) Disclosures and Enhancements to Asset-Backed Securities (ABS) Registration.
-
MBA Joint Letter to FHA on RFI on HECM and HMBS Programs
MBA responds to the joint Request for Information (RFI) regarding the future of the Home Equity Conversion Mortgage (HECM) and HECM Mortgage-Backed Securities (HMBS) programs.
-
MBA Comment Letter on the Implementation of Texas House Bill 21
MBA comment on the proposed new 10 TAC Subchapter J, Housing Finance Corporation Compliance Monitoring, §§10.1201 through 10.1207, in accordance with Texas Government Code §2306.053, to implement the requirements of HB 21.
-
MBA Joint Letter to SEC to Amend Rule 17g-5 under the Exchange Act
The undersigned organizations petition the Securities and Exchange Commission (the “Commission”) pursuant to Rule 192 of the Commission’s Rules of Practice for a rulemaking to amend Rule 17g-5 under the Exchange Act to remove the procedural requirements under Rule 17g-5(a)(3)(iii)(C) and (D) (the “Posting Requirements”).
-
MBA Joint Letter Opposing Sponsors of CRA Legislation
The undersigned organizations oppose companion bills S4694/A5957 as they are currently crafted as they do not address vexing issues. The current initiative, while well intentioned, would place new depository style CRA obligations on covered non-depository financial institutions which are already licensed, regulated, and examined by the New Jersey Department of Banking and Insurance (DOBI) and subject to all state and federal fair housing laws and regulations.
-
MBA Letter to FHFA on 2026-2030 Strategic Plan
MBA comments on FHA's recently released draft Strategic Plan for Fiscal Years 2026-2030 (Strategic Plan). The Strategic Plan provides the public and interested stakeholders with a valuable opportunity to gain insight and offer comments on the activities and priorities of FHFA in the coming years.
-
MBA Letter to FHFA on 2026-2028 Proposed Housing Goals
MBAs comment on the proposed rule outlining the 2026-2028 housing goals for Fannie Mae and Freddie Mac (the Enterprises). The goals specify benchmark percentages of the Enterprises’ purchases of single-family and multifamily mortgages serving low- and very-low-income borrowers and other underserved populations.
-
MBA Coalition Letter to U.S. House on FSOC Improvement Act of 2025
The undersigned associations strongly support 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). The legislation has strong bipartisan support, as demonstrated by the 47-4 vote in favor of H.R. 3682 during the House Financial Services Committee markup on September 16, 2025.
-
MBA Support Letter to Senate Banking Committee on Nomination of Travis Hill to be FDIC Chairman
MBA writes to express our industry’s strong support for President Trump’s nomination of Travis Hill to be Chairman of the Board of Directors of the Federal Deposit Insurance Corporation (FDIC). MBA appreciates the Committee scheduling a hearing to examine Mr. Hill’s credentials on Thursday, October 30, 2025.
-
MBA Letter to Senate Banking Committee on Nominations of Joe Gormley (Ginnie Mae) and Frank Cassidy (FHA)
MBA writes to express the industry’s strong support for President Trump’s nominations of Francis (Frank) Cassidy to serve as Assistant Secretary (Federal Housing Administration (FHA) Commissioner), Department of Housing and Urban Development (HUD), and Joseph Gormley to serve as the President of HUD’s Government National Mortgage Association (Ginnie Mae).
-
MBA Coalition Letter to FCC on Ninth Further Notice of Proposed Rulemaking
MBA Coalition Letter to FCC on Ninth Further Notice of Proposed Rulemaking