Life Companies and Commercial/Multifamily Lending
Life insurance companies are important sources of capital for commercial and multifamily real estate lending.
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MBA supports the state-based model for insurance regulation and appropriate reductions to the federal regulation of insurance, including SIFI designation and regulation. MBA seeks to preserve or improve on the National Association of Insurance Commissioners (NAIC) regulatory capital regime for CRE mortgages and real estate to support life companies’ investment portfolios across all economic conditions. In addition, MBA also actively advocates for reasonable risk-based capital requirements for insurance companies, where required capital levels are commensurate with risk.
RELATED: Read MBA’s White Paper: Role of Insurance Companies in CRE.
Recent MBA Activity Related to Life Companies and Commercial/Multifamily Lending
Related Resources
CARES Act Section 4013
- Text of section 4013 as amended December 29, 2020.
Interagency Statements
- Interagency Statement on Loan Modifications and Reporting for Financial Institutions Working with Customers Affected by the Coronavirus (Revised) (April 7, 2020)
- FASB Statement on Interagency Statement (March 22, 2020).
- FFIEC Joint Statement on Additional Loan Accommodations Related to COVID-19 (Aug. 3, 2020)
NAIC Life RBC and Accounting relief
- COVID-19 RBC Guidance from E Committee (March 27, 2020)
- Q&A on E Committee Guidance (June 12, 2020)
- Additional Guidance for Life RBC (Revised Feb. 11, 2021)
- INT 20-03: Troubled Debt Restructuring Due to COVID-19
- INT 20-07: Troubled Debt Restructuring of Certain Debt Instruments Due to COVID-19
Related MBA Events
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School of Multifamily Property Inspections: March 2025: Online
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Get to Know MISMO – The Key to Accelerating the Industry’s Digital Future
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Commercial Real Estate Basics: Appraisal and the Three Approaches to Value: March 2025
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High Performance Negotiations Workshop
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School of Multifamily Mortgage Banking: April 2025: Washington D.C.
