Resources
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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.
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MBA Letter to CFPB on Rescission of Nonbank Registry Rule Final Rule
MBA appreciates the opportunity to comment on the Consumer Financial Protection Bureau’s (Bureau or CFPB) proposed rescission of the Nonbank Registry Rule Final Rule (the NBR Rule or Final Rule). We believe the CFPB is taking the appropriate steps by reexamining the need for the registry. MBA supports this approach and believes that a thorough review of the statutory basis, costs and duplicative nature of the Final Rule should lead the Bureau to rescind it.
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MBA CRE Coalition Letter on Section 899
The undersigned organizations support the effort to pressure foreign governments to reform tax policies that unfairly target American businesses and their employees. The undersigned real estate organizations are concerned, however, that the retaliatory tax measures in the House-passed budget reconciliation bill, as currently drafted, could have significant negative, unintended consequences. These include higher mortgage rates, reduced housing supply, decreased investment in urban and rural communities, fewer jobs, and slower economic growth. We urge the Senate to revise proposed Section 899 to exempt non-controlling investments in U.S. real estate, regardless of whether those investment are made through equity or debt. Such an exemption is necessary to ensure U.S. taxpayers continue to have access to foreign capital for real estate investment.
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MBA Joint Letter on Assembly Bill 801
The undersigned organizations are committed to providing fair and equitable access to credit and are working with state and federal government and private sector stakeholders to develop new products and strategies to reach underserved markets and communities
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MBA Letter in Support of the Amendment in the Nature of a Substitute (ANS) to H.R. 2808
Mortgage Bankers Association writes to share the association’s views regarding one of the bills scheduled to be considered during tomorrow’s Financial Services Committee markup – a proposal that, if enacted, would directly protect consumers from abusive privacy invasions and sometimes predatory practices.
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MBA Joint Coalition Letter in Support of the Amendment in the Nature of a Substitute (ANS) to H.R. 2808
The undersigned groups, representing a diverse set of housing and financial services stakeholders and advocates, are writing to express our strong support for the Rose Amendment in the Nature of a Substitute (ANS) to the bipartisan Homebuyers Privacy Protection Act (H.R. 2808), as principally sponsored by Representatives John Rose (R-TN) and Ritchie Torres (D-NY)
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MBA Letter on FY 2026 Appropriations - Include Report Language on USDA RHS Delegated Loan Approval
MBA Letter on FY 2026 Appropriations - Include Report Language on USDA RHS Delegated Loan Approval
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MBA Letter on MilCon/VA Appropriations Bill for Fiscal Year 2026
MBA Letter on MilCon/VA Appropriations Bill for Fiscal Year 2026