Resources
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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.
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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.
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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.
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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.
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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.
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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).
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MBA Coalition Letter to FCC on Ninth Further Notice of Proposed Rulemaking
MBA Coalition Letter to FCC on Ninth Further Notice of Proposed Rulemaking
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MBA Letter on Joint Agencies' NPR on Regulatory Publication and Review Under the Economic Growth and Regulatory Paperwork Reduction Act of 1996
MBA Letter on Joint Agencies' NPR on Regulatory Publication and Review Under the Economic Growth and Regulatory Paperwork Reduction Act of 1996
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MBA Joint Trade Letter on Treasury’s Community Development Financial Institutions Fund Layoffs
MBA joined a group of trade associations in a letter sent to the Treasury Secretary, Scott Bessent and the Director of the Office of Management and Budget, Russ Vought, urging the Administration to reverse the recent firing of all employees of the Treasury’s Community Development Financial Institutions (CDFI) Fund, which in essence eliminates the program.
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MBA Letter to FHFA on Critical Repairs Proposals
The Mortgage Bankers Association provides input on the condominium loan eligibility standards established by Fannie Mae and Freddie Mac (the Enterprises) following our annual Condominium Summit in Washington, DC on July 23.
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MBA Letter to HFSC on Government Shutdown
The Mortgage Bankers Association respond letter regarding the steps the industry is taking to support federal employees, service members, and other consumers affected by the federal government shutdown.
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MBA Joint Comment Letter the Revised New York Community Reinvestment Act
The undersigned organizations comment on the revised proposed regulation published in the September 3, 2025 New York State Register (Register) to implement New York’s Community Reinvestment Act (NYCRA) for independent mortgage banks (IMBs).
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MBA Joint Trade Letter on Clarification for Federally and State Regulated Reverse Mortgage Advertising
The undersigned represent a group of reverse mortgage lenders, marketing agencies, and compliance professionals operating under the strict regulatory framework governing Home Equity Conversion Mortgages (HECMs) and proprietary reverse mortgage loans. We respectfully submit this joint request for reconsideration or clarification of how Google’s Sensitive Interest Categories policy is applied to our age-restricted mortgage loans, particularly on platforms such as YouTube and Google Ads.
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MBA Comment Letter on Proposed Changes to M.D.N.C. Local Bankruptcy Rules
MBA and its member companies offer comments on the recent proposed revisions to Local Bankruptcy Rule 4001-1(e) & (f) (the “Proposed Rule”), and proposed revisions to Section 8.3(d) of the Model Plan (the “Proposed Plan” and together with the Proposed Rule, the “Proposed Revisions”).
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MBA’s Government Shutdown Member Guide
As of October 1, 2025, the federal government is shut down after Congress failed to come to an agreement on Fiscal Year (FY) 2026 funding. Read MBA’s member guide that outlines the potential impacts to single-family and multifamily government lending programs.
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MBA Letter Urging National Flood Insurance Program Extension
The undersigned organizations urge Congress to act quickly to extend the National Flood Insurance Program (NFIP) before its September 30th expiration. We appreciate that the previously released Continuing Resolution (CR) extended NFIP authorities through the duration of the proposed CR, however if the CR is not enacted prior to Tuesday evening, we would ask that you consider other means of extending the NFIP outside of the government funding legislation.
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MBA Joint Letter to Congressional Leadership on NFIP Extension
The undersigned organizations, commend the committee's efforts to ensure the continuity of government operations beyond the existing funding deadline on September 30th. However, as this date rapidly approaches, they urge extension of the National Flood Insurance Program’s (NFIP) authority to continue issuing new and renewal flood insurance policies.
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MBA HFSC Housing and Insurance Subcommittee Letter on TRIA Reauthorization
MBA letter following the September 17 Housing and Insurance Subcommittee hearing entitled “The Reauthorization of the Terrorism Risk Insurance Act (TRIA) of 2002.”
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Coalition to Insure Against Terrorism Letter in Support of TRIA
Coalition to Insure Against Terrorism Letter in Support of TRIA
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Joint MBA Letter Supporting a Long-Term Reauthorization of TRIA
Following an important hearing to examine the reauthorization of the program established by the Terrorism Risk Insurance Act of 2002 (TRIA) and its subsequent reauthorizations (the Program), the Coalition to Insure Against Terrorism (CIAT) express its support for a long-term reauthorization of TRIA and to urge prompt Congressional action to renew this critical program in advance of its expiration on December 31, 2027.