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Consumer Banking

Current residential lending regulations can restrict choice, eliminate financial options and force a standardization of products that make it difficult for community banks to meet their customers’ needs.

News

NewsByte
FHFA to Increase Multifamily Loan Caps for GSEs, Eliminate Exclusions
September 13, 2019
Data Bank
Preliminary Analysis of 2018 HMDA Data and ABA Policy Recommendations
September 12, 2019
NewsByte
ABA, Advocacy Groups Call for Changes to QM Framework Ahead of ‘GSE Patch’ Expiration
September 09, 2019
Article
A ‘Housing First’ Approach to Homelessness
September 06, 2019

25th Annual ABA Residential Real Estate Survey Report

For example, 74% reported that Ability-to-Repay (ATR) / Qualified Mortgage (QM) rules reduced credit availability, with 70% reporting a moderate decline.

Read the Report

Related Training & Events

American Mortgage Conference
Conference | May 05, 2020
Fundamentals of Mortgage Lending
Facilitated Training | January 14, 2020
Would Your Mortgage Portfolio Benefit from a Bulk Transaction?
Webinar | November 14, 2019
The Mortgage Lending Business
Facilitated Training | September 24, 2019

ABA Resources

Infographic
Endorsed Solutions Digital Mortgage Loan Business Process Infographic
September 05, 2019
Infographic
America's Housing Challenge
June 08, 2019
Guide
S. 2155 and HMDA: Complying with New Partial Exemptions
October 02, 2018
Report
25th Annual ABA Residential Real Estate Survey Report
May 16, 2018

Key Fact

Infographic on housing

Consumers Still Prefer to Apply for their Mortgage in Person

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Industry Resources

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Policy Analysis & Advocacy Efforts

Comment Letter
Joint Comments to HUD on the Proposed Amendments to the FHA Lender Annual Certification Statements
September 12, 2019
Testimony
Statement for the Record to the Banking, Housing and Urban Affairs Committee regarding "The Important Topic of Government Sponsored Enterprise (GSE) Reform and Bank Access to the Secondary Market"
September 10, 2019
Comment Letter
Response to ANPR on the Qualified Mortgage Definition
September 09, 2019
Comment Letter
ABA Letter to FHFA on the Designation of Replacement for FHFAs ARM Index
September 09, 2019

Mortgage & Home Finance Regulatory Proposals

Current Issues

Related Acts & Regulations

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Get periodic updates on legislative and regulatory developments affecting mortgage lending.

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Mortgage Markets & Lending Technology Committee

Monitors developments in both the primary and secondary mortgage markets and makes recommendations on legislative and regulatory issues.

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GSE Policy Committee

Analyzes policy positions on issues affecting the role of Fannie Mae and Freddie Mac, and makes recommendations to GRC and the Board of Directors.

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Federal Home Loan Bank Committee

Monitors the mission, governance, operation and risk management of the FHLB System, and analyzes the impact of proposed changes in legislation and regulation.

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Mortgage Network

An online forum for mortgage lenders. Discuss your top-of-mind issues, ask questions, and connect with your peers.

Flood Compliance Working Group

Discuss flood compliance challenges with your peers.