Resources
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MBA Response Letter on Gramm-Leach-Bliley Act
The Mortgage Bankers Association comment on the House Financial Services Committee’s (HFSC) Request for Information (RFI) on Title V, Subtitle A, of the Gramm-Leach-Bliley Act (GLBA).
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MBA Letter to FHFA on Critical Repairs Proposal
MBA Letter to FHFA on Critical Repairs Proposal
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MBA Letter to FHA on Buy Now Pay Later RFI
MBA comments on the Federal Housing Administration’s (FHA) request for information concerning Buy Now Pay Later (BNPL) debt. MBA values FHA’s willingness to engage with the industry and explore new procedures to address emerging financial products that may directly affect FHA’s ability to manage risk and serve low- and moderate-income and first-time homebuyers.
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MBA Support Letter on Mortgage Insurance Freedom Act
MBA writes to thank you for your efforts to advance solutions that help make housing more accessible and affordable for American borrowers and families. The association appreciates your continued commitment to addressing these challenges, as demonstrated by your recent introduction of the Mortgage Insurance Freedom Act.
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MBA Joint Letter to House Energy and Commerce Data Privacy Working Group RFI
The assembled joint trades supplement their April 4, 2025 response to the Committee and the Data Privacy Working Group’s Request for Information on the parameters for a federal, comprehensive data privacy and security framework.
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MBA Letter on Joint Agencies’ Notice of Proposed Rulemaking: Community Reinvestment Act Regulations
MBA comments on the notice of proposed rulemaking (NPR) issued jointly by the OCC, the Fed and the FDIC to rescind the final rule titled “Community Reinvestment Act” and replace the 2023 CRA Final Rule with regulations adopted by the Agencies and the former Office of Thrift Supervision.
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MBA Letter to VA on the Delayed Program Participant Management (PPM) System
MBA thank the ongoing commitment of the Department of Veterans Affairs Loan Guaranty Service (VA) to engage with feedback from industry stakeholders and appreciate the recent decision to delay the required use of the Lender Program Participant Management (PPM) system, which allows lenders additional time to ensure compliance and resolve system-related challenges.
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MBA Letter on SBC ROAD to Housing Act Markup
Prior to the markup of the Renewing Opportunity in the American Dream to Housing Act, also known as the “ROAD to Housing Act of 2025,” MBA wrote to commend the MBA Chair and Ranking Member for 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 our federal housing programs. The letter also expresses our members’ more specific views and concerns with various sections of the “ROAD to Housing Act of 2025.
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MBA Joint Letter on the Build More Housing Near Transit Act (BMHNTA)
The undersigned organizations write to express strong support for the reintroduction of your bipartisan and commonsense Build More Housing Near Transit Act (BMHNTA) to help address this decades-long problem.
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MBA Letter in Support of the Nomination of Jonathan McKernan for Undersecretary of Domestic Finance
Mortgage Bankers Association writes to express the real estate finance industry’s strong support for President Trump’s nomination of Jonathan McKernan to be Undersecretary of the Treasury for Domestic Finance. MBA appreciates the Senate Finance Committee scheduling a hearing tomorrow to examine Mr. McKernan’s credentials to serve in this vital role.
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MBA Comment Letter on Notice of Preliminary Determination for the Adoption of Energy Efficiency Standards
The Mortgage Bankers Association (MBA) thanks the Department of Housing and Urban Development (HUD) and the Department of Agriculture (USDA, and together with HUD, the Agencies) for the opportunity to comment on the review of the analysis found in the Notice of Preliminary Determination for the Adoption of Energy Efficiency Standards for New Construction of HUD- and USDA-Financed Housing (the Proposal) issued on April 26, 2024.
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MBA Letter to HUD on Proposed Changes to Multifamily Mortgage Insurance Premiums
The Mortgage Bankers Association (MBA) thanks the Department of Housing and Urban Development (HUD) for its proposal for its Proposed Changes in Mortgage Insurance Premiums (MIPs) Applicable to FHA Multifamily Insurance Programs. MBA strongly supports the proposal and agrees that it will expand the supply of rental housing.
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MBA Letter to the GSEs on Construction Policy Recommendations
MBA thanks Fannie Mae and Freddie Mac (the Enterprises) for its continued partnership in addressing housing supply and affordability challenges. To further support lender participation and borrower access. MBA want to work with your teams to consider several policy enhancements to modernize the loan process, expand access to construction and renovation financing, and help alleviate the affordability and supply challenges in the market.
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MBA Joint Trades Letter to Treasury on FSOC Non-bank Guidance
The undersigned associations write to encourage FSOC to restore the 2019 Guidance governing the designation of nonbank financial institutions as systemically important financial institutions.
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MBA Letter to THUD on FY2026 Priorities
MBA is writing to share our views on the real estate finance industry’s priorities within several of the emerging appropriations bills for Fiscal Year (FY) 2026.
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MBA Joint Trade Letter to Congressional Leader on Reconciliation
The undersigned organizations, representing millions of Main Street businesses in every industry and community across the country, write in strong support of the budget reconciliation tax package recently released by the Senate Finance Committee.
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MBA Joint Trades Letter to Senate on 199A
The undersigned organizations, representing millions of Main Street businesses operating in every community in America, express our strong support for making permanent and expanding the Section 199A deduction from 20 to 23 percent. Expanding Section 199A will help preserve tax parity between pass-through businesses and larger public corporations while helping ensure the Senate bill does not raise taxes on millions of Main Street businesses.
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MBA Letter on H.R. 2808, the Homebuyers Privacy Protection Act of 2025 (Rose/Torres)
MBA Letter on H.R. 2808, the Homebuyers Privacy Protection Act of 2025 (Rose/Torres)
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MBA Letter to Senate Leadership on Section 899
Mortgage Bankers Association shares the association’s views regarding Section 899. We support the goal of incentivizing foreign governments to reform tax policies that unfairly target American businesses and their employees through Section 899 of the reconciliation legislation currently being considered by the Congress.
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MBA Letter to CFPB on Protections for Borrowers Affected by the COVID-19 Emergency Under RESPA (Reg X)
MBA appreciates the opportunity to comment on the Consumer Financial Protection Bureau’s (Bureau or CFPB) proposed recission of the 2021 COVID Real Estate Settlement Procedures Act (RESPA) Rule in Regulation X (COVID Related Amendments). We believe that the flexibilities allowed under the COVID-Related Amendments have been immensely helpful to borrowers and the mortgage servicing industry.