Resources
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Coalition Letter to FSOC on the Analytic Framework and Nonbank Guidance Proposals
The undersigned associations are writing in response to the Financial Stability Oversight Council’s (“FSOC” or “the Council”) proposals to revise existing interpretive guidance on nonbank financial company designations (“Nonbank Guidance”) and to adopt an analytic framework the Council would employ to assess potential risks to U.S. financial stability (“Analytic Framework”) (together the “Proposals”). They respectfully request that the Council extend the comment period for each proposal for at least an additional 30 days.
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Housing Affordability Coalition Statement on Congressional Letter on Housing Policy Solutions
The undersigned national real estate associations represent a broad coalition of housing providers that are committed to working together with policymakers and the Administration to address America’s housing affordability crisis. They write today to urge Congress to work with the Biden Administration, housing providers, lenders, and other stakeholders to pursue bipartisan solutions to increase the supply of housing in all markets and at all price points.
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Industry Coalition Letter on the Introduction of the Main Street Tax Certainty Act of 2023
A coalition Letter showing strong support of the introduction of the Main Street Tax Certainty Act of 2023, legislation to make permanent the 20-percent deduction for small- and individually-owned businesses (Section 199A).
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MBA Comment Letter to FHFA on Enterprise Single-Family Social Bond Policy Request for Input
The Mortgage Bankers Association appreciates the Federal Housing Finance Agency’s (FHFA) continued focus on Environmental, Social, and Governance (ESG) initiatives and we welcome the opportunity to provide feedback in response to the Request for Information (RFI) on Enterprise Single-Family Social Bond Policy.
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MBA Statement for the Record for HFSC H/I Subcommittee Hearing on GSE Pricing
The Mortgage Bankers Association (MBA) appreciates the opportunity to comment on the issues raised by the Housing and Insurance Subcommittee’s May 17, 2023, legislative hearing entitled, “Current Mortgage Market: Undermining Housing Affordability with Politics.”
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MBA Comment Letter to CSBS's Nationwide Multistate Licensing System Mortgage Business Specific Requirements Proposal
The Mortgage Bankers Association (MBA) supports the Conference of State Bank Supervisors (CSBS) seeking to achieve uniformity among state regulator requirements, and where possible with federal policy.
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MBA letter to the Senate on the introduction of the Homes for Every Local Protector Educator and Responder (HELPER) Act
The bipartisan, bicameral HELPER Act would create a first-time homebuyer loan program to be administered by the Federal Housing Administration (FHA) for teachers and first responders who have served at least four years in their respective roles.
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MBA letter to the House of Representatives on the introduction of the Homes for Every Local Protector Educator and Responder (HELPER) Act
The bipartisan, bicameral HELPER Act would create a first-time homebuyer loan program to be administered by the Federal Housing Administration (FHA) for teachers and first responders who have served at least four years in their respective roles.
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MBA Response to FHFA’s Proposed Amendments to the Enterprise Regulatory Capital Framework
The Mortgage Bankers Association (MBA) response to the Federal Housing Finance Agency notice of proposed rulemaking which would amend portions of the regulatory capital framework applicable to Fannie Mae and Freddie Mac (the Enterprises).
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MBA Letter to CFPB on the Real Estate Settlement Procedures Act (Regulation X)
Mortgage Bankers Association (MBA) is writing to encourage the Consumer Financial Protection Bureau (the Bureau) to expedite many much-needed changes to the loss mitigation regulations of the Real Estate Settlement Procedures Act (Regulation X).
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MBA Statement for the Subcommittee Hearing on Rural Housing Legislation
Testimony of the Mortgage Bankers Association Senate Banking, Housing, and Urban Affairs Committee Subcommittee on Housing, Transportation, and Community
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MBA Coalition Letter to Senator Menendez on Legislation on FHA Statutory Caps
MBA writes in strong support of Senator Menendez's legislation to update the Federal Housing Administration’s (FHA) multifamily insurance programs to accurately capture the true cost of apartment construction. FHA’s base statutory limits define the number and size of multifamily mortgages HUD will insure nationwide.
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MBA Comment Letter on the CFPB’s Loan Originator Compensation Rules
The Mortgage Bankers Association (MBA) believes the Consumer Financial Protection Bureau (Bureau or CFPB) should make changes to the Loan Originator Compensation Rules (LO Comp Rules) to further assist consumers and reduce regulatory burden.
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MBA Comment Letter to HUD on Changes in Branch Office Registration Requirements
The Mortgage Bankers Association (MBA) offers comments in response to the Department of Housing and Urban Development’s proposed rule to revise HUD’s regulations concerning branch office registration requirements.
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MBA Joint Comment Letter to HUD on NSPIRE
MBA writes in response to the United States Department of Housing and Urban Development (“HUD”) request for public review and comment on the proposed National Standards for the Physical Inspection of Real Estate (“NSPIRE”) physical inspection scoring and ranking methodology to implement HUD's final NSPIRE rule for Public Housing and Multifamily Housing programs, including Section 8 Project-Based Rental Assistance (“PBRA”) and other Multifamily assisted housing, Section 202/811 programs, and HUD-insured Multifamily as described in the NSPIRE proposed rule.
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MBA Comment Letter in response to FHA Draft Mortgagee Letter on ADUs
The Mortgage Bankers Association (MBA) and its members appreciate the opportunity to offer comments in response to the Department of Housing and Urban Development’s (HUD) draft mortgagee letter posted to the Federal Housing Administration’s (FHA) Single Family Housing Drafting Table (Drafting Table) concerning the inclusion of rental income generated by an accessory dwelling unit (ADU) as qualifying income when underwriting a borrower.
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MBA Letter to the House Financial Services Committee on the ANS to H.R. 2798, the CFPB Transparency and Accountability Reform Act
Mortgage Bankers Association shares their views on the planned Financial Services Committee markup of Representative Andy Barr’s Amendment in the Nature of a Substitute (ANS) to H.R. 2798, the CFPB Transparency and Accountability Reform Act, scheduled for April 26, 2023.
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MBA Letter in Response to the FHA 203(k) Rehabilitation Mortgage Insurance Program
The Mortgage Bankers Association (MBA) and its members appreciate the opportunity to offer comments in response to the Federal Housing Administration (FHA) request for information concerning barriers to the use of the FHA 203(k) Rehabilitation Mortgage Insurance Program (203(k) program).
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MBA Letter on MILCON-VA appropriations bill for Fiscal Year (FY) 2024
Mortgage Bankers Association (MBA) share views on the Military Construction, Veterans Affairs, and Related Agencies (MILCON-VA) appropriations bill for Fiscal Year (FY) 2024. MBA supports the Veterans Benefits Administration (VBA) FY 2024 request for sufficient resources to ensure that the VA Home Loan Program provides timely loss mitigation assistance to veteran borrowers in need.
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MBA Letter on T-HUD appropriations bill for Fiscal Year (FY) 2024
Mortgage Bankers Association (MBA) shares their views on the real estate finance industry’s priorities within the Transportation, Housing and Urban Development (T-HUD) appropriations bill for Fiscal Year (FY) 2024.