Federal Housing Administration (FHA) Programs
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FHA provides mortgage insurance to support lending in the single-family market that disproportionately serves low- to moderate-income borrowers. As such, FHA helps make homeownership possible for many households that otherwise could struggle to obtain mortgage credit on affordable terms. MBA’s policy and advocacy efforts have focused on expanding the number of lenders participating in FHA-insured lending, promoting much-needed upgrades to FHA’s technology and operating systems, reforming FHA’s complex servicing requirements, and ensuring that FHA pricing appropriately balances consumer access to credit and taxpayer protection.
Recent MBA Activity Related to Government Lending
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MBA Letter to FHFA on FHLB RFI
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MBA Joint Trades Letter on the Revitalizing Downtowns and Main Streets Act
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MBA Joint Trades Letter on Committee Markup of the American Privacy Rights Act
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MBA Letter to VA Subcommittee on H.R. 8647, the VA Home Loan Reform Act
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MBA Comment Letter on ML for Significant Cybersecurity Incident Reporting Requirements
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MBA Joint Trade Letter on FY 2025 Ginnie Mae Appropriations
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Written Statement of Karen Kreutziger Powell Chief Executive Officer Flat Branch Home Loans on Behalf of the Mortgage Bankers Association
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MBA Joint Letter on NFIP Proposed Dwelling Form Changes
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MBA Joint Trade letter on the Subcommittee on Innovation, Data, and Commerce Markup of Privacy Legislation
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MBA Comment Letter on the American Privacy Rights Act of 2024 (“APRA”) Markup