Resources
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MBA Joint Trades Letter on FHFA Credit Score Models and Reports Initiative
On behalf of the American Bankers Association, Housing Policy Council, Independent Community Bankers of America, Mortgage Bankers Association, Structured Finance Association, and U.S. Mortgage Insurers, we are writing to provide recommendations on the Federal Housing Finance Agency’s (FHFA) Credit Score Models and Reports Initiative. Our organizations represent a wide range of counterparties to Fannie Mae and Freddie Mac (the Enterprises), including lenders, servicers, investors, and mortgage insurers. As such, our organizations have a direct interest in the impact of the business decisions of the Enterprises, including the manner in which their credit score policies contribute to a competitive and sound housing finance system.
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MBA Comment Letter on FHFA Housing Priorities
MBA is excited to work with FHFA Director William Pulte and team as their leadership will be vital to ensuring the future stability and liquidity of the housing market. MBA looks forward to collaborating on initiatives that strengthen Fannie Mae and Freddie Mac (the Enterprises) and the Federal Home Loan Banks (FHLBs) and allow them to better serve their missions while protecting taxpayers from undue risk.
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MBA Written Statement from Elizabeth Balce, EVP of Servicing, Carrington Mortgage Services, on HVAC Hearing
Elizabeth Balce's , Executive Vice President of Servicing at Carrington Mortgage Services, written testimony on Behalf of the Mortgage Bankers Association and a member of its Veterans’ Affairs (VA) Home Loan Working Group.
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MBA Comment Letter on Loss Mitigation Assistance Policy for Veteran Homeowners
The Mortgage Bankers Association (MBA) is eager to work with Secretary Collins and team to strengthen the VA Home Loan Program, a cornerstone benefit that our nation's Veterans earn through their sacrifice and service. Secretary Collins leadership comes at a pivotal moment for this essential program, as rising interest rates have increasingly strained affordability for both new and existing homeowners, including Veterans who are struggling to meet their monthly mortgage payments.
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MBA Comment Letter on Proposed Changes to the NMLS Mortgage Call Reports
The Mortgage Bankers Association appreciates the opportunity to comment on proposed changes to the Nationwide Multistate Licensing System (NMLS) Mortgage Call Report Form Version 7 (MCRV7). Thank you also for the preview of these changes made during the August 2024 NMLS Ombudsman meeting by Jeff Peterson from the Nebraska Department of Banking and Finance and Jessan Groenendyk from CSBS.
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Joint MBA Comment Letter on Partial Claim Document Recording and Payoff Statements
The Housing Policy Council (HPC), Mortgage Bankers Association (MBA), and National Council of State Housing Agencies appreciate the opportunity to submit comments on the Draft Mortgagee Letter (ML), “Partial Claim Document Recording and Payoff Statements.”
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Coalition Letter on H.R. 1399, an Amendment to the Federal Election Campaign Act (FECA)
The undersigned organizations are writing to respectfully request co-sponsorship of H.R. 1399, an amendment to the Federal Election Campaign Act (FECA) that strikes the requirement that trade association political action committees (PACs) must obtain prior approval from corporate member companies before discussing support of the PAC.
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MBA Joint Letter on TJCA Extension
The undersigned organizations support extending pro-growth tax policies that have raised workers’ wages, helped families weather inflation, and led to more well paying jobs. The individual, business, and estate tax provisions of the 2017 Tax Cuts and Jobs Act (“TCJA”) have been instrumental in helping achieve these goals and should be made permanent.
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MBA Letter to Senate Banking Committee on CFPB Director Nominee Jonathan McKernan
Mortgage Bankers Association (MBA), writes to express the real estate finance industry’s strong support for President Trump’s nomination of Jonathan McKernan to be the next Director of the Consumer Financial Protection Bureau (“the Bureau”).
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MBA Joint Letter to Senate Banking Committee on CFPB Nominee Jonathan McKernan
The undersigned organizations offer our enthusiastic support for Jonathan McKernan to serve as the next Director of Consumer Financial Protection Bureau (CFPB). We urge the Committee on Banking, Housing, and Urban Affairs to approve his nomination and send it to the Senate floor as quickly as possible.
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MBA Joint Letter to Senate Banking Committee on FHFA Nominee Bill Pulte
The undersigned organizations offer their enthusiastic support for Bill Pulte to serve as the next Director of the Federal Housing Finance Agency (FHFA). They urge the Committee on Banking, Housing, and Urban Affairs to approve his nomination and send it to the Senate floor as quickly as possible.
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MBA Joint Letter on Maryland Trust Licensing Issue
The Maryland Mortgage Bankers and Brokers Association (MMBBA), the Mortgage Bankers Association of Metropolitan Washington DC, and the national Mortgage Bankers Association (MBA) wish to express our thanks with respect to your introduction of companion bills SB1026 and HB1516, the Maryland Secondary Market Stability Act of 2025. The organizations fully support your legislation, which is also supported by the Maryland Office of Financial Regulation (OFR), because it is essential to restoring normal access to affordable home mortgage credit in the state.
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MBA Joint Trade Letter MD OFR on State Licensing
The Structured Finance Association (SFA), the Maryland Mortgage Bankers and Brokers Association (MMBBA), the Mortgage Bankers Association of Metropolitan Washington, the national Mortgage Bankers Association (MBA), the Housing Policy Council, the American Fintech Council, and SIFMA comment on the emergency amendments to Maryland Regulations .02 and .04 under COMAR 09.03.06 (the “Regulations”). In concert with the Regulations, the Office of Financial Regulation (OFR) issued industry guidance (the “Guidance”) explaining its intent to implement the OFRs understanding of the holding in Estate of Brown v. Ward, 261 Md. App. 385, 396 (2024) decided by the Appellate Court of Maryland.
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MBA Letter to Senate Banking Committee on FHFA Bill Pulte Nomination
MBA is writing to express the real estate finance industry’s strong support for President Trump’s nomination of William J. “Bill” Pulte to be the next Director of the Federal Housing Finance Agency (FHFA).
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MBA Letter to CFPB on Non-Bank Consent Order Registry
In light of President Trump’s executive order1 titled Regulatory Freeze Pending Review, the MBA urges the Consumer Financial Protection Bureau (CFPB or Bureau) to take immediate action to postpone for 60 days the effective compliance dates for entities subject to the CFPB’s Nonbank Registration Regulation3 (the Rule) issued on June 3, 2024. While the deadline for large nonbank entities recently passed, the registration process is ongoing, with smaller nonbanks under CFPB supervision required to register by April 14, 2025, and all other covered nonbanks to follow by July 14, 2025.
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MBA Joint Letter on Main Street Tax Certainty Act of 2025 (199A)
The undersigned business groups strongly support your Main Street Tax Certainty Act of 2025, legislation to make permanent the 20-percent deduction for small- and family-owned businesses(Section 199A). This legislation would provide certainty to the millions of S corporations, partnerships and sole proprietorships that rely on the Section 199A deduction to remain competitive.
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MBA Letter to VA on Proposed Rule Regarding Loan Reporting Requirement
MBA appreciates the opportunity to offer comments on the Department of Veterans Affairs’ (VA) Notice of Proposed Rule Making concerning the VA’s loan reporting requirements. MBA commends the VA for prioritizing improvements that strengthen the program’s operational framework and for considering stakeholder input to drive impactful changes.
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MBA Coalition Letter in Support of HUD Secretary Nominee Scott Turner
The undersigned organizations offer enthusiastic support for Scott Turner to serve as the next Secretary of the Department of Housing and Urban Development (HUD). We urge the Committee on Banking, Housing, and Urban Affairs to approve his nomination and send it to the Senate floor as quickly as possible.
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MBA Industry Comment on FHA Loss Mitigation Updates
MBA comments on joint policy recommendations in response to FHA’s November 25, 2024 draft handbook. Our recommendations demonstrate strong support for HUD’s draft and alignment on significant points related to the loss mitigation process.
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MBA Joint Letter on FHA Servicing Handbook Updates
MBA comment on the Federal Housing Administration’s (FHA) proposal to update the Servicing and Loss Mitigation, Claims, and Dispositions sections and Appendix 4.0 of the Single-Family Housing Policy Handbook.