Resources
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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.
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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.
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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.
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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).
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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).
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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.
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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.”
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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.
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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.
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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.
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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.
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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.
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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.
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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”).