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		<lastmod>2018-06-04T09:53:00+00:00</lastmod>
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		<lastmod>2018-06-04T09:53:09+00:00</lastmod>
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		<lastmod>2018-06-04T09:53:09+00:00</lastmod>
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		<lastmod>2018-06-04T09:53:10+00:00</lastmod>
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		<lastmod>2018-06-04T09:53:11+00:00</lastmod>
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		<lastmod>2018-06-04T09:53:11+00:00</lastmod>
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		<lastmod>2018-06-04T09:53:12+00:00</lastmod>
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		<lastmod>2018-06-04T09:53:12+00:00</lastmod>
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		<lastmod>2018-06-04T09:53:13+00:00</lastmod>
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		<lastmod>2018-06-04T09:53:14+00:00</lastmod>
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		<lastmod>2018-06-04T09:53:14+00:00</lastmod>
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		<lastmod>2018-06-04T09:53:14+00:00</lastmod>
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		<lastmod>2018-06-04T09:53:15+00:00</lastmod>
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		<lastmod>2018-06-04T09:53:16+00:00</lastmod>
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		<lastmod>2018-06-04T09:53:16+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/HUD-Logo-7.png</image:loc>
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	</url>
	<url>
		<loc>https://www.ncsha.org/blog/rural-housing-service-announces-new-round-of-multifamily-preservation-and-revitalization-funding/</loc>
		<lastmod>2018-06-04T09:53:16+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/USDA-logo.-1.jpg</image:loc>
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	</url>
	<url>
		<loc>https://www.ncsha.org/blog/senate-finance-committee-extends-9-percent-housing-credit-minimum-rate-and-establishes-4-percent-minimum-rate-for-aquisition/</loc>
		<lastmod>2018-06-04T09:53:17+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/US-Senate.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/finance-committee-tax-reform-working-group-does-not-recommend-changes-to-housing-credit-bonds/</loc>
		<lastmod>2018-06-04T09:53:17+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/US-Senate.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/supreme-court-upholds-disparate-impact-standard-for-violations-of-the-fair-housing-act/</loc>
		<lastmod>2018-06-04T09:53:18+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/Us_supreme_court_seal.png</image:loc>
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	<url>
		<loc>https://www.ncsha.org/blog/ftc-and-hud-issue-warning-about-section-8-website-scams/</loc>
		<lastmod>2018-06-04T09:53:19+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/FTC.gif</image:loc>
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	</url>
	<url>
		<loc>https://www.ncsha.org/blog/house-subcommittee-considers-consolidating-the-rural-housing-service/</loc>
		<lastmod>2018-06-04T09:53:19+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/House-of-Representatives-Seal-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/michael-stegman-to-become-presidents-top-housing-advisor/</loc>
		<lastmod>2018-06-04T09:53:19+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/Logo-White-House.png</image:loc>
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	</url>
	<url>
		<loc>https://www.ncsha.org/blog/senators-cantwell-and-roberts-introduce-housing-credit-minimum-rate-legislation/</loc>
		<lastmod>2018-06-04T09:53:20+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/US-Senate.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/hud-modifies-its-fha-distressed-asset-stabilization-program/</loc>
		<lastmod>2018-06-04T09:53:20+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/HUD-Logo-7.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/tiberi-and-neal-introduce-minimum-credit-rate-legislation/</loc>
		<lastmod>2018-06-04T09:53:24+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/House-of-Representatives-Seal-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/the-macarthur-foundation-and-the-urban-land-institute-unveil-affordable-housing-resource-platform/</loc>
		<lastmod>2018-06-04T09:53:24+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/Urban-Land-Institute-ULI.png</image:loc>
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	</url>
	<url>
		<loc>https://www.ncsha.org/blog/urban-land-institute-soliciting-applications-for-awards-program/</loc>
		<lastmod>2018-06-04T09:53:25+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/Urban-Land-Institute-ULI.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/fhfa-proposes-new-capital-reserve-requirements-for-fannie-mae-and-freddie-mac-seller-servicers/</loc>
		<lastmod>2018-06-04T09:53:25+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/Federal-Housing-Finance-Agency-FHFA-Seal-1-e1543593209557.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/house-passes-bill-extending-expiring-tax-provisions-for-one-year/</loc>
		<lastmod>2018-06-04T09:53:26+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/United-States-Congress-Seal-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/fhfa-modifies-fannie-mae-and-freddie-mac-reo-sales-requirements/</loc>
		<lastmod>2018-06-04T09:53:26+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/Federal-Housing-Finance-Agency-FHFA-Seal.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/house-committee-and-subcommittee-leadership-positions-announced/</loc>
		<lastmod>2018-06-04T09:53:26+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/House-of-Representatives-Seal-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/house-passes-bill-to-cap-annual-flood-insurance-premium-increases/</loc>
		<lastmod>2018-06-04T09:53:35+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/Capitol-Washington-DC.jpg</image:loc>
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	</url>
	<url>
		<loc>https://www.ncsha.org/blog/treasury-irs-officially-designate-opportunity-zones-for-18-states-and-territories/</loc>
		<lastmod>2018-06-05T18:57:20+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/United-States-Department-of-the-Treasury.png</image:loc>
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	</url>
	<url>
		<loc>https://www.ncsha.org/blog/hud-publishes-annual-report-on-housing-credit-tenant-characteristics/</loc>
		<lastmod>2018-06-05T18:58:21+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/HUD-Logo-7.png</image:loc>
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	</url>
	<url>
		<loc>https://www.ncsha.org/blog/sp-global-releases-report-holds-webinar-on-housing-sector-hfas/</loc>
		<lastmod>2018-06-05T19:13:00+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/SP_Global_Logo.png</image:loc>
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	</url>
	<url>
		<loc>https://www.ncsha.org/blog/house-financial-services-committee-reports-bill-on-gse-dividends-housing-trust-fund-2/</loc>
		<lastmod>2018-06-05T19:17:56+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/House-of-Representatives-Seal-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/neighborworks-report-illustrates-the-ongoing-success-of-national-foreclosure-mitigation-counseling-program/</loc>
		<lastmod>2018-06-12T13:42:39+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/thNJ79A2A9.jpg</image:loc>
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	</url>
	<url>
		<loc>https://www.ncsha.org/blog/hud-inspector-general-releases-second-report-on-housing-agency-down-payment-assistance-programs/</loc>
		<lastmod>2018-06-12T13:42:58+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/HUD_IG.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/aia-and-hud-accepting-entries-for-the-2016-housing-and-community-design-awards-program/</loc>
		<lastmod>2018-06-12T13:43:29+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/HUD-Logo-7.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/usda-allows-state-rd-offices-to-reallocate-unused-rental-assistance/</loc>
		<lastmod>2018-06-12T13:44:12+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/usda-rural-development-logo_0.png</image:loc>
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	</url>
	<url>
		<loc>https://www.ncsha.org/blog/cfpb-proposes-expanding-respa-disclosure-exemption-for-hfa-loans/</loc>
		<lastmod>2018-06-12T13:44:26+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/01/CFPB_13.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/fhfa-releases-proposed-duty-to-serve-rule-for-fannie-and-freddie/</loc>
		<lastmod>2018-06-12T13:44:53+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/Federal-Housing-Finance-Agency-FHFA-Seal.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/house-passes-legislation-to-classify-muni-bonds-as-high-quality-liquid-assets/</loc>
		<lastmod>2018-06-12T13:45:23+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/House-of-Representatives-Seal-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/fhfa-revises-multifamily-lending-caps-for-fannie-mae-and-freddie-mac/</loc>
		<lastmod>2018-06-12T13:47:44+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/Federal-Housing-Finance-Agency-FHFA-Seal.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/hud-affirms-hfas-ability-to-provide-down-payment-assistance-with-fha-loans/</loc>
		<lastmod>2018-06-12T13:48:49+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/HUD-Logo-7.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/fhfa-seeks-stakeholder-impact-on-expanding-mortgage-credit-access-for-borrowers-with-limited-english-proficiency/</loc>
		<lastmod>2018-06-12T13:48:50+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/Federal-Housing-Finance-Agency-FHFA-Seal.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/fhfa-proposed-strategic-plan-for-2018-2022-would-direct-gses-to-work-with-hfas/</loc>
		<lastmod>2018-06-12T13:48:50+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/Federal-Housing-Finance-Agency-FHFA-Seal.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/hud-accepting-entries-for-19th-annual-hud-secretarys-opportunity-and-empowerment-award/</loc>
		<lastmod>2018-06-12T13:49:13+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/HUD-Logo-7.png</image:loc>
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	</url>
	<url>
		<loc>https://www.ncsha.org/blog/hud-publishes-state-assessment-of-fair-housing-planning-tool/</loc>
		<lastmod>2018-06-12T13:49:33+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/HUD-Logo-7.png</image:loc>
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	</url>
	<url>
		<loc>https://www.ncsha.org/blog/sigtarp-releases-reports-on-hardest-hit-fund/</loc>
		<lastmod>2018-06-12T13:52:20+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/Treasury-Seal_18.jpg</image:loc>
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	</url>
	<url>
		<loc>https://www.ncsha.org/blog/house-republican-tax-reform-bill-eliminates-tax-exempt-pabs-retains-the-housing-credit-without-changes/</loc>
		<lastmod>2018-06-12T13:54:32+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/House-of-Representatives-Seal-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/royce-introduces-bill-to-prohibit-gse-funding-for-the-housing-trust-fund/</loc>
		<lastmod>2018-06-12T13:54:47+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/United-States-Congress-Seal-1.png</image:loc>
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	</url>
	<url>
		<loc>https://www.ncsha.org/blog/hud-seeking-nominations-for-secretarys-award-for-healthy-homes/</loc>
		<lastmod>2018-06-13T12:31:57+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/HUD-Logo-7.png</image:loc>
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	</url>
	<url>
		<loc>https://www.ncsha.org/blog/mayors-and-business-leaders-launch-coalition-to-combat-homelessness-and-increase-investment-in-affordable-housing/</loc>
		<lastmod>2018-06-13T12:45:06+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/mayors-and-ceos-logo-footer.gif</image:loc>
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	</url>
	<url>
		<loc>https://www.ncsha.org/blog/house-passes-fy-2018-omnibus-spending-bill/</loc>
		<lastmod>2018-06-14T06:15:26+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/House-of-Representatives-Seal-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/senate-confirms-hud-and-treasury-nominees/</loc>
		<lastmod>2018-06-14T06:25:31+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/US-Senate.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/house-committee-unanimously-approves-bill-to-classify-municipal-bonds-as-high-quality-liquid-assets/</loc>
		<lastmod>2018-06-14T06:38:44+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/House-of-Representatives-Seal-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/gses-duty-to-serve-plans-include-proposals-to-work-with-hfas-potential-housing-credit-investments/</loc>
		<lastmod>2018-06-14T06:54:17+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/Federal-Housing-Finance-Agency-FHFA-Seal.png</image:loc>
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	</url>
	<url>
		<loc>https://www.ncsha.org/blog/fhfa-extends-deadline-for-public-comment-on-gse-chattel-loan-pilots/</loc>
		<lastmod>2018-06-14T07:03:51+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/Federal-Housing-Finance-Agency-FHFA-Seal.png</image:loc>
		</image:image>
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	<url>
		<loc>https://www.ncsha.org/blog/fhfa-seeks-public-comment-on-gse-chattel-loan-pilots/</loc>
		<lastmod>2018-06-14T07:05:00+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/Federal-Housing-Finance-Agency-FHFA-Seal.png</image:loc>
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	</url>
	<url>
		<loc>https://www.ncsha.org/blog/fhfa-releases-proposed-evaluation-guidance-for-gses-duty-to-serve-plans/</loc>
		<lastmod>2018-06-14T07:08:59+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/Federal-Housing-Finance-Agency-FHFA-Seal.png</image:loc>
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	</url>
	<url>
		<loc>https://www.ncsha.org/blog/representatives-urge-regulators-to-reassess-fannie-and-freddie-capital-standards/</loc>
		<lastmod>2018-06-14T07:35:05+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/House-of-Representatives-Seal-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/fhfa-holds-duty-to-serve-roundtable-mary-tingerthal-participates/</loc>
		<lastmod>2018-06-14T07:46:08+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/Federal-Housing-Finance-Agency-FHFA-Seal.png</image:loc>
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	</url>
	<url>
		<loc>https://www.ncsha.org/blog/senate-approves-measure-to-consider-energy-efficiency-in-fha-mortgage-underwriting-process/</loc>
		<lastmod>2018-06-14T07:53:09+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/US-Senate.png</image:loc>
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		<loc>https://www.ncsha.org/blog/representative-kuster-introduces-bill-to-preserve-rental-assistance-for-certain-usda-section-515-properties/</loc>
		<lastmod>2018-06-14T07:54:36+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/House-of-Representatives-Seal-1.png</image:loc>
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		<loc>https://www.ncsha.org/blog/provision-to-rescind-hardest-hit-funds-removed-from-senate-highway-bill/</loc>
		<lastmod>2018-06-14T08:25:11+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/hardesthitfund_0.jpg</image:loc>
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	<url>
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		<lastmod>2018-06-18T12:49:42+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/House-of-Representatives-Seal-1.png</image:loc>
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		<loc>https://www.ncsha.org/blog/gao-recommends-joint-irs-hud-oversight-of-the-housing-credit-program/</loc>
		<lastmod>2018-06-18T13:23:14+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/Logo-GAO.jpg</image:loc>
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		<lastmod>2018-06-28T14:15:34+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/IRS-1-e1541366630616.gif</image:loc>
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		<loc>https://www.ncsha.org/blog/treasury-proposes-substantial-revisions-to-cra-regulations/</loc>
		<lastmod>2018-06-28T16:12:34+00:00</lastmod>
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		<lastmod>2018-06-28T16:19:46+00:00</lastmod>
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		<lastmod>2018-06-28T16:27:44+00:00</lastmod>
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		<lastmod>2018-06-28T16:28:00+00:00</lastmod>
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		<lastmod>2018-06-28T16:45:45+00:00</lastmod>
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		<lastmod>2018-06-28T16:49:49+00:00</lastmod>
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		<lastmod>2018-06-28T16:50:08+00:00</lastmod>
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		<lastmod>2018-06-28T16:50:25+00:00</lastmod>
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		<lastmod>2018-06-28T16:50:38+00:00</lastmod>
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		<lastmod>2018-06-28T22:47:56+00:00</lastmod>
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		<lastmod>2018-07-01T14:58:06+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/03/Fannie-Freddie.jpg</image:loc>
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		<lastmod>2018-07-01T15:02:00+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/03/Map-of-Affordable-Housing-Shortage.png</image:loc>
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		<lastmod>2018-07-01T15:02:10+00:00</lastmod>
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		<lastmod>2018-07-03T18:50:26+00:00</lastmod>
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		<loc>https://www.ncsha.org/blog/cohnreznick-publishes-2017-housing-credit-equity-market-survey/</loc>
		<lastmod>2018-07-03T18:51:41+00:00</lastmod>
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		<lastmod>2018-07-03T19:11:31+00:00</lastmod>
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		<loc>https://www.ncsha.org/blog/fhfa-shares-gse-reform-proposals-with-banking-committee/</loc>
		<lastmod>2018-07-03T19:51:14+00:00</lastmod>
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		<loc>https://www.ncsha.org/blog/hud-releases-housing-counseling-nofa-for-fy-2018/</loc>
		<lastmod>2018-07-09T14:17:35+00:00</lastmod>
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	<url>
		<loc>https://www.ncsha.org/blog/white-house-proposes-federal-government-reorganization/</loc>
		<lastmod>2018-07-09T14:31:08+00:00</lastmod>
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		<lastmod>2018-07-09T14:51:47+00:00</lastmod>
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		<loc>https://www.ncsha.org/blog/white-house-chooses-permanent-head-of-consumer-financial-protection-bureau/</loc>
		<lastmod>2018-07-09T16:04:45+00:00</lastmod>
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		<lastmod>2018-07-09T17:52:47+00:00</lastmod>
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		<loc>https://www.ncsha.org/blog/fhfa-director-watt-testifies-before-senate-banking-committee/</loc>
		<lastmod>2018-07-12T20:29:11+00:00</lastmod>
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		<loc>https://www.ncsha.org/blog/congressional-leaders-announce-changes-to-key-committee-rosters/</loc>
		<lastmod>2018-07-24T09:55:23+00:00</lastmod>
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		<loc>https://www.ncsha.org/blog/president-signs-fy-2018-omnibus-spending-and-tax-bill/</loc>
		<lastmod>2018-07-24T10:29:22+00:00</lastmod>
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	<url>
		<loc>https://www.ncsha.org/blog/senate-rejects-rescission-bill-that-would-have-reduced-funding-for-affordable-housing-programs/</loc>
		<lastmod>2018-07-24T11:31:38+00:00</lastmod>
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	</url>
	<url>
		<loc>https://www.ncsha.org/blog/house-passes-financial-regulatory-reform-bill/</loc>
		<lastmod>2018-07-24T11:46:46+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/House-of-Representatives-Seal-1.png</image:loc>
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	<url>
		<loc>https://www.ncsha.org/blog/joint-economic-committee-hearing-on-the-promise-of-opportunity-zones/</loc>
		<lastmod>2018-08-06T01:10:59+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/05/Joint-Economic-Committee-Logo.jpg</image:loc>
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	</url>
	<url>
		<loc>https://www.ncsha.org/blog/cohnreznick-examines-housing-credit-property-performance/</loc>
		<lastmod>2018-08-06T01:11:26+00:00</lastmod>
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	<url>
		<loc>https://www.ncsha.org/blog/jchs-report-describes-serious-affordable-housing-challenges/</loc>
		<lastmod>2018-08-06T01:19:01+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/Harvard-Joint-Center-for-Housing-Studies.png</image:loc>
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	<url>
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		<lastmod>2018-08-14T17:55:22+00:00</lastmod>
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		<loc>https://www.ncsha.org/blog/new-democrat-coalition-paper-highlights-housing-crisis/</loc>
		<lastmod>2018-08-14T18:41:37+00:00</lastmod>
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	<url>
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		<lastmod>2018-08-17T18:27:57+00:00</lastmod>
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	<url>
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		<lastmod>2018-08-17T19:22:39+00:00</lastmod>
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		<lastmod>2018-08-17T19:31:14+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/House-of-Representatives-Seal-1.png</image:loc>
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		<lastmod>2018-08-17T19:40:44+00:00</lastmod>
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		<lastmod>2018-08-17T19:45:50+00:00</lastmod>
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		<lastmod>2018-08-20T20:49:37+00:00</lastmod>
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		<lastmod>2018-08-20T20:52:53+00:00</lastmod>
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		<lastmod>2018-08-20T20:56:38+00:00</lastmod>
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		<lastmod>2018-09-04T14:55:40+00:00</lastmod>
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		<lastmod>2018-09-04T15:14:07+00:00</lastmod>
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		<lastmod>2018-09-18T07:09:18+00:00</lastmod>
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		<lastmod>2018-09-23T20:11:57+00:00</lastmod>
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		<lastmod>2018-10-30T20:17:43+00:00</lastmod>
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		<lastmod>2018-11-03T20:25:50+00:00</lastmod>
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		<lastmod>2018-11-03T20:25:50+00:00</lastmod>
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		<lastmod>2018-11-03T20:25:50+00:00</lastmod>
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		<lastmod>2018-11-03T20:25:51+00:00</lastmod>
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		<lastmod>2018-11-03T20:25:51+00:00</lastmod>
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		<lastmod>2018-11-03T20:25:51+00:00</lastmod>
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		<lastmod>2018-11-03T20:25:51+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/House-of-Representatives-Seal-1.png</image:loc>
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	</url>
	<url>
		<loc>https://www.ncsha.org/blog/housing-bond-issuance-increased-again-in-2017-cdfa-survey-says/</loc>
		<lastmod>2018-11-03T20:25:51+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2017/09/CDFA.png</image:loc>
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	</url>
	<url>
		<loc>https://www.ncsha.org/blog/usda-proposes-changes-to-single-family-loan-programs/</loc>
		<lastmod>2018-11-03T20:25:52+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/USDA-logo.-1.jpg</image:loc>
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	</url>
	<url>
		<loc>https://www.ncsha.org/blog/house-committee-holds-hearing-on-fannie-freddie-conservatorship-chairman-announces-bipartisan-reform-legislation/</loc>
		<lastmod>2018-11-03T20:25:52+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/House-of-Representatives-Seal-1.png</image:loc>
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	</url>
	<url>
		<loc>https://www.ncsha.org/blog/gao-housing-credit-development-cost-study-illustrates-state-efforts-to-ensure-reasonable-costs-and-recommends-additional-data-collection/</loc>
		<lastmod>2018-11-04T20:53:55+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/Logo-GAO.jpg</image:loc>
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	</url>
	<url>
		<loc>https://www.ncsha.org/blog/ncsha-compiles-directory-of-qualified-funds-for-opportunity-zone-investment/</loc>
		<lastmod>2018-11-05T15:48:14+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/11/Opportunity-Fund-Graphics-300x300.png</image:loc>
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	</url>
	<url>
		<loc>https://www.ncsha.org/blog/whitaker-to-testify-on-affordable-housing-at-senate-finance-committee-hearing/</loc>
		<lastmod>2018-11-11T23:08:29+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/US-Senate-Seal-Web-1.png</image:loc>
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	<url>
		<loc>https://www.ncsha.org/blog/ncsha-urges-hud-to-clarify-disparate-impact-rule/</loc>
		<lastmod>2018-11-12T16:34:03+00:00</lastmod>
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	</url>
	<url>
		<loc>https://www.ncsha.org/blog/senator-harris-introduces-renters-tax-credit-legislation/</loc>
		<lastmod>2018-11-12T16:35:33+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2016/03/US-Senate-Seal.png</image:loc>
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	</url>
	<url>
		<loc>https://www.ncsha.org/blog/joint-administration-congress-tax-reform-framework-preserves-housing-credit/</loc>
		<lastmod>2018-11-12T16:51:37+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2017/09/American-Flag-in-the-Wind-Square.jpg</image:loc>
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	</url>
	<url>
		<loc>https://www.ncsha.org/blog/cdfa-annual-volume-cap-report-finds-uptick-in-usage-of-private-activity-bonds-in-particular-mrbs/</loc>
		<lastmod>2018-11-12T16:53:00+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2017/09/CDFA.png</image:loc>
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	</url>
	<url>
		<loc>https://www.ncsha.org/blog/presidential-candidates-address-affordable-housing-at-new-hampshire-housing-summit/</loc>
		<lastmod>2018-11-12T17:02:19+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2017/09/American-Flag-in-the-Wind-Square.jpg</image:loc>
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	</url>
	<url>
		<loc>https://www.ncsha.org/blog/action-campaign-circulates-sign-on-letter-urging-congress-to-raise-the-cap-on-housing-credit-authority/</loc>
		<lastmod>2018-11-12T17:14:08+00:00</lastmod>
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		<loc>https://www.ncsha.org/blog/ncsha-advocates-preserving-and-strengthening-housing-credit-and-housing-bonds-in-statement-to-finance-committee-working-group/</loc>
		<lastmod>2018-11-12T17:44:18+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/US-Senate.png</image:loc>
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		<loc>https://www.ncsha.org/blog/house-republicans-unveil-tax-reform-blueprint/</loc>
		<lastmod>2018-11-12T18:11:19+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2017/09/2017-Tax-Reform.png</image:loc>
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		<loc>https://www.ncsha.org/blog/hud-clarifies-review-process-for-multifamily-property-owners-fair-housing-marketing-plans/</loc>
		<lastmod>2018-11-12T18:34:55+00:00</lastmod>
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		<loc>https://www.ncsha.org/blog/hud-issues-affirmatively-furthering-fair-housing-final-rule/</loc>
		<lastmod>2018-11-12T18:38:14+00:00</lastmod>
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	</url>
	<url>
		<loc>https://www.ncsha.org/blog/essent-publishes-2018-first-time-homebuyer-study/</loc>
		<lastmod>2018-11-12T22:07:18+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/08/Essent-logo.png</image:loc>
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		<loc>https://www.ncsha.org/blog/fhfa-finds-gses-met-most-affordable-housing-goals-in-2017/</loc>
		<lastmod>2018-11-13T20:24:16+00:00</lastmod>
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	<url>
		<loc>https://www.ncsha.org/blog/freddie-mac-releases-three-more-white-papers-in-duty-to-serve-series/</loc>
		<lastmod>2018-11-14T15:28:46+00:00</lastmod>
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	<url>
		<loc>https://www.ncsha.org/blog/irs-publishes-2019-state-housing-credit-and-private-activity-bond-cap-amounts/</loc>
		<lastmod>2018-11-15T22:13:44+00:00</lastmod>
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		<loc>https://www.ncsha.org/blog/senator-heller-introduces-renters-tax-credit-for-seniors/</loc>
		<lastmod>2018-11-16T11:29:24+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2016/03/US-Senate-Seal.png</image:loc>
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		<loc>https://www.ncsha.org/blog/fhfa-announces-2019-multifamily-lending-caps-for-fannie-mae-and-freddie-mac/</loc>
		<lastmod>2018-11-16T14:31:11+00:00</lastmod>
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	<url>
		<loc>https://www.ncsha.org/blog/ncsha-releases-expanded-opportunity-zone-fund-directory/</loc>
		<lastmod>2018-11-16T14:46:05+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/11/Opportunity-Fund-Graphics-300x300.png</image:loc>
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		<lastmod>2018-11-16T15:43:33+00:00</lastmod>
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	</url>
	<url>
		<loc>https://www.ncsha.org/blog/fhfa-report-finds-progress-in-developing-common-mbs-and-securitization-platform/</loc>
		<lastmod>2018-11-16T15:53:10+00:00</lastmod>
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	<url>
		<loc>https://www.ncsha.org/blog/guest-post-what-effect-will-lower-fha-mortgage-insurance-premiums-have-on-first-time-homebuyers/</loc>
		<lastmod>2018-11-18T23:04:27+00:00</lastmod>
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	</url>
	<url>
		<loc>https://www.ncsha.org/blog/franken-and-portman-introduce-bill-to-exempt-homeless-youth-and-veterans-from-housing-credit-student-rule/</loc>
		<lastmod>2018-11-21T19:24:24+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/US-Senate.png</image:loc>
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		<lastmod>2018-11-21T19:27:05+00:00</lastmod>
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		<lastmod>2018-11-21T19:28:38+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/NCSHA-Logo-Sq.png</image:loc>
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		<loc>https://www.ncsha.org/blog/judge-rejects-huds-disparate-impact-rule/</loc>
		<lastmod>2018-11-21T19:31:00+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/HUD-Logo-7.png</image:loc>
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	</url>
	<url>
		<loc>https://www.ncsha.org/blog/irs-publishes-housing-credit-and-bond-caps-for-2015/</loc>
		<lastmod>2018-11-21T19:33:25+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/irs_19.jpg</image:loc>
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	</url>
	<url>
		<loc>https://www.ncsha.org/blog/hud-releases-2015-dda-and-qct-designations/</loc>
		<lastmod>2018-11-21T19:34:48+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/HUD-Logo-7.png</image:loc>
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	<url>
		<loc>https://www.ncsha.org/blog/hud-seeks-comments-on-draft-fair-housing-assessment-tool-for-entitlement-jurisdictions/</loc>
		<lastmod>2018-11-21T19:37:21+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/HUD-Logo-7.png</image:loc>
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		<loc>https://www.ncsha.org/blog/tax-laws-new-inflation-adjustment-lowers-2018-small-state-minimum-for-housing-credit-and-private-activity-bond-volume-caps/</loc>
		<lastmod>2018-11-21T19:50:55+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/IRS-1-e1541366630616.gif</image:loc>
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	<url>
		<loc>https://www.ncsha.org/blog/irs-expands-housing-credit-disaster-relief-puerto-rico-solicits-public-comment-existing-disaster-relief-guidance-2/</loc>
		<lastmod>2018-11-21T19:51:39+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/IRS-1-e1541366630616.gif</image:loc>
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		<lastmod>2018-11-21T19:54:24+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/IRS-1-e1541366630616.gif</image:loc>
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		<lastmod>2018-11-21T19:56:59+00:00</lastmod>
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	<url>
		<loc>https://www.ncsha.org/blog/cfpb-announces-upcoming-assessment-of-ability-to-repay-rule/</loc>
		<lastmod>2018-11-24T23:47:44+00:00</lastmod>
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		<lastmod>2018-11-25T18:13:41+00:00</lastmod>
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	</url>
	<url>
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		<lastmod>2018-11-26T16:52:04+00:00</lastmod>
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		<lastmod>2018-11-26T19:28:22+00:00</lastmod>
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		<lastmod>2018-11-26T19:40:03+00:00</lastmod>
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		<lastmod>2018-11-26T19:40:59+00:00</lastmod>
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		<lastmod>2018-11-26T19:49:39+00:00</lastmod>
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		<lastmod>2018-11-26T19:50:08+00:00</lastmod>
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		<lastmod>2018-11-26T20:18:39+00:00</lastmod>
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		<lastmod>2018-11-26T20:24:46+00:00</lastmod>
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		<lastmod>2018-11-26T20:25:55+00:00</lastmod>
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		<lastmod>2018-11-26T20:26:31+00:00</lastmod>
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		<lastmod>2018-11-26T20:28:09+00:00</lastmod>
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		<lastmod>2018-11-26T20:30:03+00:00</lastmod>
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		<lastmod>2018-11-26T20:30:23+00:00</lastmod>
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		<lastmod>2018-11-26T20:44:40+00:00</lastmod>
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		<lastmod>2018-11-26T20:47:03+00:00</lastmod>
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		<lastmod>2018-11-26T20:52:52+00:00</lastmod>
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		<lastmod>2018-11-26T20:54:47+00:00</lastmod>
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		<lastmod>2018-11-26T20:56:12+00:00</lastmod>
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		<lastmod>2018-11-26T20:59:09+00:00</lastmod>
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		<lastmod>2018-11-26T20:59:38+00:00</lastmod>
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		<lastmod>2018-11-26T21:01:27+00:00</lastmod>
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		<lastmod>2018-11-26T21:02:41+00:00</lastmod>
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		<lastmod>2018-11-26T21:24:01+00:00</lastmod>
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		<lastmod>2018-11-26T21:49:07+00:00</lastmod>
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		<lastmod>2018-11-27T14:54:33+00:00</lastmod>
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		<lastmod>2018-11-27T15:37:06+00:00</lastmod>
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		<lastmod>2018-11-27T15:43:42+00:00</lastmod>
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		<lastmod>2018-11-27T19:05:28+00:00</lastmod>
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		<lastmod>2018-11-27T19:06:05+00:00</lastmod>
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		<lastmod>2018-11-27T19:06:37+00:00</lastmod>
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		<lastmod>2018-11-27T19:07:32+00:00</lastmod>
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		<lastmod>2018-11-27T19:22:27+00:00</lastmod>
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		<lastmod>2018-11-27T19:24:40+00:00</lastmod>
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		<lastmod>2018-11-27T19:28:21+00:00</lastmod>
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		<lastmod>2018-11-27T20:55:21+00:00</lastmod>
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		<lastmod>2018-11-29T19:37:19+00:00</lastmod>
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		<lastmod>2018-11-30T17:02:49+00:00</lastmod>
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		<lastmod>2018-11-30T17:59:15+00:00</lastmod>
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		<lastmod>2018-11-30T18:59:24+00:00</lastmod>
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		<lastmod>2018-11-30T19:01:34+00:00</lastmod>
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		<lastmod>2018-11-30T19:29:53+00:00</lastmod>
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		<lastmod>2018-11-30T19:31:29+00:00</lastmod>
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		<lastmod>2018-11-30T19:32:41+00:00</lastmod>
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		<lastmod>2018-11-30T19:36:22+00:00</lastmod>
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		<lastmod>2018-12-03T17:42:03+00:00</lastmod>
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		<lastmod>2018-12-04T21:00:59+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/Moodys-Logo-2.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/moodys-state-hfa-multifamily-bond-programs-continue-strong-performance/</loc>
		<lastmod>2018-12-04T21:03:47+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/Moodys-Logo-2.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/senate-banking-committee-postpones-housing-finance-reform-bill-markup/</loc>
		<lastmod>2018-12-04T21:10:27+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/US-Senate.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/fhfa-releases-strategic-plan-for-gses-directs-them-to-strengthen-outreach-to-hfas/</loc>
		<lastmod>2018-12-04T21:13:39+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/Federal-Housing-Finance-Agency-FHFA-Seal-1-e1543593209557.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/senate-banking-committee-passes-comprehensive-gse-reform-bill/</loc>
		<lastmod>2018-12-04T21:16:56+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/US-Senate.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/hud-awards-housing-counseling-grants-to-22-state-hfas/</loc>
		<lastmod>2018-12-04T21:19:44+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/HUD-Logo-7.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/regulators-release-modified-proposed-flood-insurance-guidelines/</loc>
		<lastmod>2018-12-05T21:03:17+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/imagesCALXDTU0_0.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/msrb-proposes-standards-of-conduct-for-municipal-bond-advisors/</loc>
		<lastmod>2018-12-05T21:07:27+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/MSRB-logo_1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/fhfa-seeks-input-on-establishing-a-common-gse-security/</loc>
		<lastmod>2018-12-05T21:08:55+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/Federal-Housing-Finance-Agency-FHFA-Seal-1-e1543593209557.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/fhfa-proposes-changes-fhlb-affordable-housing-program/</loc>
		<lastmod>2018-12-05T21:12:56+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/FHFA-Logo-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/irs-proposes-changes-to-pab-public-notice-requirements-special-standards-for-mrbs/</loc>
		<lastmod>2018-12-09T15:59:25+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/IRS-1-e1541366630616.gif</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/fhfa-seeks-input-on-fannie-mae-and-freddie-mac-guarantee-fees/</loc>
		<lastmod>2018-12-10T19:33:42+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/Federal-Housing-Finance-Agency-FHFA-Seal-1-e1543593209557.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/treasury-official-department-may-take-action-to-support-fha-hfa-risk-sharing-loans/</loc>
		<lastmod>2018-12-10T19:34:08+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/Treasury-United-States-Department-of-the-Treasury.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/cfpb-releases-final-consolidated-mortgage-disclosure-rule/</loc>
		<lastmod>2018-12-11T14:54:28+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/01/CFPB_13.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/cap-report-outlines-concerns-with-fha-distressed-asset-stabilization-program/</loc>
		<lastmod>2018-12-11T15:06:42+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/12/Center-for-American-Progress.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/house-republicans-revise-end-of-year-tax-bill/</loc>
		<lastmod>2018-12-11T18:40:23+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/House-of-Representatives-Seal-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/patenaude-to-leave-hud-by-end-of-year/</loc>
		<lastmod>2018-12-17T16:13:30+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/HUD-Logo-7.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/fhfa-publishes-modified-fannie-mae-duty-to-serve-plan/</loc>
		<lastmod>2018-12-19T22:19:56+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/Federal-Housing-Finance-Agency-FHFA-Seal.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/fhfa-releases-2019-scorecard-for-gses/</loc>
		<lastmod>2018-12-21T16:23:02+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/Federal-Housing-Finance-Agency-FHFA-Seal.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/three-house-democrats-release-housing-finance-reform-bill/</loc>
		<lastmod>2018-12-31T20:07:04+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/House-of-Representatives-Seal-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/treasury-secretary-announces-new-initiative-to-support-fha-hfa-risk-sharing-loans/</loc>
		<lastmod>2018-12-31T20:08:39+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/Treasury-United-States-Department-of-the-Treasury.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/sec-delays-mcdc-self-reporting-deadline-for-municipal-issuers-to-december-1/</loc>
		<lastmod>2018-12-31T20:09:51+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/Securities-and-Exchange-Commission-SEC.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/nabl-releases-paper-to-help-issuers-comply-with-secs-mcdc-initiative/</loc>
		<lastmod>2018-12-31T20:10:35+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/Securities-and-Exchange-Commission-SEC.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/galante-to-leave-fha/</loc>
		<lastmod>2018-12-31T20:11:29+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/HUD-Logo-7.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/final-risk-retention-rule-contains-exemption-for-state-hfa-program-loans/</loc>
		<lastmod>2019-01-03T20:44:56+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/imagesCALXDTU0_0.jpg</image:loc>
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	</url>
	<url>
		<loc>https://www.ncsha.org/blog/gao-report-lays-out-framework-for-considering-changes-to-housing-finance-system/</loc>
		<lastmod>2019-01-03T20:45:59+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/Logo-GAO.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/usda-delays-implementation-of-section-502-guaranteed-loan-program-guidelines-to-december-1/</loc>
		<lastmod>2019-01-03T20:46:50+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/USDA-logo.-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/fha-extends-short-refinance-program-through-2016/</loc>
		<lastmod>2019-01-03T20:50:27+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/FHA-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/report-finds-fhas-mortgage-insurance-fund-back-in-the-black/</loc>
		<lastmod>2019-01-03T20:51:41+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/HUD-Logo-7.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/watt-fhfa-decision-on-housing-trust-fund-due-by-end-of-the-year/</loc>
		<lastmod>2019-01-03T20:55:56+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/Federal-Housing-Finance-Agency-FHFA-Seal-1-e1543593209557.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/new-fhfa-strategic-plan-encourages-fannie-mae-and-freddie-mac-to-work-with-hfas/</loc>
		<lastmod>2019-01-03T20:56:56+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/Federal-Housing-Finance-Agency-FHFA-Seal.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/hud-and-treasury-adopt-enhancements-to-making-home-affordable-programs/</loc>
		<lastmod>2019-01-03T20:57:49+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/Treasury-United-States-Department-of-the-Treasury.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/fhfa-releases-statement-clarifying-its-policy-on-pace-program-loans/</loc>
		<lastmod>2019-01-03T20:58:59+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/Federal-Housing-Finance-Agency-FHFA-Seal-1-e1543593209557.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/president-announces-reduction-in-fha-single-family-annual-premiums/</loc>
		<lastmod>2019-01-03T21:02:21+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/03/Seal-of-the-President-of-the-United-States.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/secretary-castro-its-time-to-remove-the-stigma-from-promoting-homeownership/</loc>
		<lastmod>2019-01-03T21:05:00+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/HUD-Logo-7.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/house-committee-questions-watt-on-gse-high-ltv-lending-and-the-housing-trust-fund/</loc>
		<lastmod>2019-01-03T21:07:02+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/House-of-Representatives-Seal-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/house-committee-questions-hud-secretary-castro-on-reduced-fha-premiums/</loc>
		<lastmod>2019-01-03T21:08:39+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/House-of-Representatives-Seal-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/state-hfas-awarded-over-13-million-in-nfmc-funding/</loc>
		<lastmod>2019-01-03T21:15:46+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/Neighborworks_1_0.jpg</image:loc>
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	</url>
	<url>
		<loc>https://www.ncsha.org/blog/fhfa-issues-final-rule-on-gse-allocations-to-housing-trust-fund/</loc>
		<lastmod>2019-01-03T21:17:40+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/Federal-Housing-Finance-Agency-FHFA-Seal.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/ed-golding-to-replace-biniam-gebre-as-fha-head/</loc>
		<lastmod>2019-01-03T21:19:38+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/FHA-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/ncsha-urges-congressional-leaders-to-maintain-tax-exemption-for-municipal-bonds/</loc>
		<lastmod>2019-01-03T21:20:48+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/NCSHA-Logo-Sq.png</image:loc>
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	</url>
	<url>
		<loc>https://www.ncsha.org/blog/hud-establishes-housing-counseling-federal-advisory-committee-seeks-nominees/</loc>
		<lastmod>2019-01-03T21:22:45+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/HUD-Logo-7.png</image:loc>
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	</url>
	<url>
		<loc>https://www.ncsha.org/blog/20-state-hfas-to-receive-hud-counseling-grants-for-fy-2015/</loc>
		<lastmod>2019-01-03T21:26:05+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/HUD-Logo-7.png</image:loc>
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	</url>
	<url>
		<loc>https://www.ncsha.org/blog/bipartisan-coalition-of-house-members-express-support-for-municipal-bond-tax-exemption/</loc>
		<lastmod>2019-01-03T21:29:22+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/House-of-Representatives-Seal_40.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/fhfa-excludes-additional-affordable-housing-lending-categories-from-gses-multifamily-caps/</loc>
		<lastmod>2019-01-03T22:18:05+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/Federal-Housing-Finance-Agency-FHFA-Seal.png</image:loc>
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	</url>
	<url>
		<loc>https://www.ncsha.org/blog/hud-and-usda-adopt-minimum-energy-standards-for-housing-programs/</loc>
		<lastmod>2019-01-03T22:19:23+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/USDA-logo.-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/ncsha-opportunity-zone-fund-directory-expands-to-63-funds-nearly-16-billion-in-investment/</loc>
		<lastmod>2019-01-03T23:23:39+00:00</lastmod>
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	</url>
	<url>
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		<lastmod>2019-01-04T14:06:54+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/11/Opportunity-Fund-Graphics-300x300.png</image:loc>
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	</url>
	<url>
		<loc>https://www.ncsha.org/blog/financial-services-committee-explores-housing-finance-reform-plan/</loc>
		<lastmod>2019-01-04T19:17:32+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/Logo-House-of-Representatives.png</image:loc>
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	</url>
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		<lastmod>2019-01-04T19:18:21+00:00</lastmod>
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	</url>
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		<lastmod>2019-01-04T19:22:06+00:00</lastmod>
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	</url>
	<url>
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		<lastmod>2019-01-04T21:29:39+00:00</lastmod>
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		<lastmod>2019-01-04T21:30:38+00:00</lastmod>
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	<url>
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		<lastmod>2019-01-04T21:31:59+00:00</lastmod>
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		<lastmod>2019-01-04T21:35:34+00:00</lastmod>
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		<lastmod>2019-01-04T21:36:54+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/House-of-Representatives-Seal-1.png</image:loc>
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	<url>
		<loc>https://www.ncsha.org/blog/usda-releases-final-regulations-for-single-family-guarantee-program/</loc>
		<lastmod>2019-01-04T21:38:28+00:00</lastmod>
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		<loc>https://www.ncsha.org/blog/house-subcommittee-examines-fha/</loc>
		<lastmod>2019-01-04T21:40:38+00:00</lastmod>
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		<loc>https://www.ncsha.org/blog/watt-gses-face-future-challenges-under-conservatorship/</loc>
		<lastmod>2019-01-04T21:41:39+00:00</lastmod>
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		<loc>https://www.ncsha.org/blog/treasury-announces-process-for-awarding-additional-hardest-hit-funding/</loc>
		<lastmod>2019-01-04T21:42:19+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/Treasury-Seal_18.jpg</image:loc>
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		<loc>https://www.ncsha.org/blog/bond-buyer-housing-bond-volume-increased-27-in-2015/</loc>
		<lastmod>2019-01-04T21:42:53+00:00</lastmod>
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		<loc>https://www.ncsha.org/blog/press-reports-indicate-fhfa-will-allow-limited-principal-reduction-for-underwater-fannie-and-freddie-borrowers/</loc>
		<lastmod>2019-01-04T21:43:33+00:00</lastmod>
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		<lastmod>2019-01-04T21:46:32+00:00</lastmod>
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		<loc>https://www.ncsha.org/blog/irs-publishes-mrb-purchase-price-limits-and-safe-harbors-for-2016/</loc>
		<lastmod>2019-01-04T21:47:08+00:00</lastmod>
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		<loc>https://www.ncsha.org/blog/senate-banking-committee-chair-asks-gao-and-cbo-to-examine-gses/</loc>
		<lastmod>2019-01-04T21:48:03+00:00</lastmod>
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		<lastmod>2019-01-04T21:48:43+00:00</lastmod>
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		<lastmod>2019-01-07T15:40:42+00:00</lastmod>
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		<lastmod>2019-01-07T15:48:21+00:00</lastmod>
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		<loc>https://www.ncsha.org/blog/fha-report-says-health-of-mortgage-fund-improving/</loc>
		<lastmod>2019-01-07T15:49:34+00:00</lastmod>
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		<lastmod>2019-01-07T20:34:39+00:00</lastmod>
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		<lastmod>2019-01-07T20:36:20+00:00</lastmod>
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		<lastmod>2019-01-07T20:37:28+00:00</lastmod>
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		<lastmod>2019-01-07T20:38:22+00:00</lastmod>
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		<lastmod>2019-01-07T20:42:53+00:00</lastmod>
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		<lastmod>2019-01-07T20:44:11+00:00</lastmod>
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		<lastmod>2019-01-07T20:48:05+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/02/Draft.jpg</image:loc>
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		<loc>https://www.ncsha.org/blog/house-passes-mortgage-choice-act-2/</loc>
		<lastmod>2019-01-07T21:49:05+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/Logo-House-of-Representatives.png</image:loc>
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		<loc>https://www.ncsha.org/blog/aei-housing-experts-release-plan-winding-fannie-mae-freddie-mac/</loc>
		<lastmod>2019-01-07T21:53:05+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/02/Logo-Fannie-Mae-1024x247.jpg</image:loc>
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		<loc>https://www.ncsha.org/blog/senate-passes-comprehensive-financial-regulatory-reform-bill/</loc>
		<lastmod>2019-01-07T21:54:21+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2016/03/US-Senate-Seal.png</image:loc>
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		<loc>https://www.ncsha.org/blog/five-hfas-awarded-capital-magnet-fund-grants/</loc>
		<lastmod>2019-01-07T21:55:26+00:00</lastmod>
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	</url>
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		<loc>https://www.ncsha.org/blog/fhfa-sets-june-2019-implementation-date-for-common-gse-security/</loc>
		<lastmod>2019-01-07T21:56:21+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/02/Logo-Federal-Housing-Finance-Agency-e1522260019609.png</image:loc>
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		<loc>https://www.ncsha.org/blog/senate-confirms-brian-montgomery-to-be-fha-commissioner/</loc>
		<lastmod>2019-01-07T21:57:12+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/US-Senate-Seal-Web-1.png</image:loc>
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		<loc>https://www.ncsha.org/blog/fha-report-delaying-premium-increases-kept-mortgage-fund-at-mandated-capital-levels/</loc>
		<lastmod>2019-01-07T22:09:59+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/FHA-1.jpg</image:loc>
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		<loc>https://www.ncsha.org/blog/michael-bright-to-step-down-as-head-of-ginnie-mae/</loc>
		<lastmod>2019-01-10T16:16:16+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/05/Ginnie_Mae_Logo.jpg</image:loc>
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		<loc>https://www.ncsha.org/blog/strong-home-and-section-8-outcomes-in-senate-appropriations-committee-approved-fy-2018-bill/</loc>
		<lastmod>2019-01-15T20:46:32+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/US-Senate.png</image:loc>
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		<lastmod>2019-01-24T17:58:51+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/11/Opportunity-Fund-Graphics-300x300.png</image:loc>
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		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/OZ-Fund-Investment-by-Region-e1548346899960.png</image:loc>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/OZ-Fund-Investment-by-Sector-e1548347017536.png</image:loc>
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	</url>
	<url>
		<loc>https://www.ncsha.org/blog/crapo-releases-housing-finance-reform-plan-outline/</loc>
		<lastmod>2019-02-01T19:16:10+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/US-Senate-Seal-Web-1.png</image:loc>
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		<loc>https://www.ncsha.org/blog/realtors-gse-reform-plan-recasts-fannie-and-freddie-as-utilities/</loc>
		<lastmod>2019-02-08T20:12:43+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/National-Association-of-Realtor.jpg</image:loc>
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	<url>
		<loc>https://www.ncsha.org/blog/in-confirmation-hearing-calabria-pledges-to-work-on-reform-with-congress-and-maintain-gse-affordable-housing-activities/</loc>
		<lastmod>2019-02-15T17:21:15+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/021419-JY4-586.jpg</image:loc>
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	</url>
	<url>
		<loc>https://www.ncsha.org/blog/banking-committee-approves-calabria-nomination-on-party-line-vote/</loc>
		<lastmod>2019-02-26T17:16:08+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/021419-JY4-249.jpg</image:loc>
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	</url>
	<url>
		<loc>https://www.ncsha.org/blog/irs-issues-final-housing-credit-compliance-monitoring-regulations/</loc>
		<lastmod>2019-02-27T21:30:06+00:00</lastmod>
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		<loc>https://www.ncsha.org/blog/fhfa-rule-requires-gses-to-align-policies-to-facilitate-single-security/</loc>
		<lastmod>2019-02-28T20:57:55+00:00</lastmod>
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		<loc>https://www.ncsha.org/blog/ncsha-opportunity-zone-fund-directory-surpasses-100-funds-nearly-24-billion-in-investment/</loc>
		<lastmod>2019-03-08T20:07:00+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/11/Opportunity-Fund-Graphics-300x300.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/Opportunity-Zone-Target-Size.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/Opportunity-Zone-Fund-Sector_March_8_2019.png</image:loc>
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		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/3.8.2019-NCSHA-Opportunity-Zones-Charts_Region-OZ-Fund-Investment-.png</image:loc>
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	</url>
	<url>
		<loc>https://www.ncsha.org/blog/irs-publishes-new-mrb-and-mcc-purchase-price-limits-and-safe-harbors/</loc>
		<lastmod>2019-03-21T13:35:58+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/IRS-1-e1541366630616.gif</image:loc>
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	</url>
	<url>
		<loc>https://www.ncsha.org/blog/banking-committee-holds-first-gse-reform-hearing/</loc>
		<lastmod>2019-03-27T15:54:15+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/Senate-Banking-Stock-.jpg</image:loc>
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	</url>
	<url>
		<loc>https://www.ncsha.org/blog/ahtcc-now-accepting-applications-24th-annual-charles-l-edson-tax-credit-excellence-awards/</loc>
		<lastmod>2019-04-02T15:13:45+00:00</lastmod>
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		<lastmod>2019-04-04T02:22:48+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/IRS-1-e1541366630616.gif</image:loc>
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		<lastmod>2019-04-04T20:54:50+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/11/Opportunity-Fund-Graphics-300x300.png</image:loc>
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		<lastmod>2019-04-15T19:08:43+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/02.22.2019-NCSHA-Opportunity-Zones-Charts_Sector-OZ-Fund-Investment--e1550850569667.png</image:loc>
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		<loc>https://www.ncsha.org/blog/hud-asks-for-ideas-on-how-it-can-help-in-opportunity-zones/</loc>
		<lastmod>2019-04-19T18:59:13+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/HUD-Logo-7.png</image:loc>
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	</url>
	<url>
		<loc>https://www.ncsha.org/blog/nhc-releases-2018-paycheck-to-paycheck-report-and-database/</loc>
		<lastmod>2019-04-19T19:11:35+00:00</lastmod>
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	</url>
	<url>
		<loc>https://www.ncsha.org/blog/treasury-department-requests-information-on-opportunity-zone-data-collection/</loc>
		<lastmod>2019-04-19T19:29:31+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/Treasury-United-States-Department-of-the-Treasury.png</image:loc>
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		<loc>https://www.ncsha.org/blog/treasury-department-releases-additional-opportunity-zone-guidance/</loc>
		<lastmod>2019-04-19T19:33:15+00:00</lastmod>
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	<url>
		<loc>https://www.ncsha.org/blog/house-financial-services-committee-hearing-focuses-on-housing-as-infrastructure/</loc>
		<lastmod>2019-05-06T21:59:43+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/House-of-Representatives-Seal_40.png</image:loc>
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	<url>
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		<lastmod>2019-05-06T22:06:16+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/03/Fannie-Freddie.jpg</image:loc>
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	</url>
	<url>
		<loc>https://www.ncsha.org/blog/ncsha-urges-irs-to-rescind-housing-credit-compliance-monitoring-rule-changes-work-with-states-to-develop-alternative/</loc>
		<lastmod>2019-05-24T19:43:51+00:00</lastmod>
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		<lastmod>2019-05-24T19:46:55+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/11/Opportunity-Fund-Graphics-300x300.png</image:loc>
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	<url>
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		<lastmod>2019-05-24T19:52:29+00:00</lastmod>
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		<lastmod>2019-05-24T19:55:09+00:00</lastmod>
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		<lastmod>2019-06-11T21:33:37+00:00</lastmod>
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		<lastmod>2019-06-11T21:34:54+00:00</lastmod>
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		<lastmod>2019-06-16T22:56:26+00:00</lastmod>
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	<url>
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		<lastmod>2019-06-21T15:35:37+00:00</lastmod>
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		<lastmod>2019-06-21T16:49:57+00:00</lastmod>
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		<lastmod>2019-06-25T21:00:20+00:00</lastmod>
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		<lastmod>2019-06-25T21:55:00+00:00</lastmod>
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		<lastmod>2019-07-02T13:46:03+00:00</lastmod>
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		<lastmod>2019-07-17T20:34:56+00:00</lastmod>
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		<lastmod>2019-07-30T13:47:21+00:00</lastmod>
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		<lastmod>2019-07-30T14:01:59+00:00</lastmod>
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		<lastmod>2019-09-20T16:46:38+00:00</lastmod>
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		<lastmod>2019-12-17T18:42:39+00:00</lastmod>
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		<lastmod>2020-04-09T19:34:19+00:00</lastmod>
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		<lastmod>2020-04-21T13:04:59+00:00</lastmod>
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		<lastmod>2020-04-21T13:06:57+00:00</lastmod>
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		<lastmod>2020-04-30T14:44:18+00:00</lastmod>
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		<lastmod>2020-06-24T21:55:22+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/House-of-Representatives-Seal_40.png</image:loc>
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		<loc>https://www.ncsha.org/blog/huds-august-housing-scorecard-indicates-continued-housing-recovery/</loc>
		<lastmod>2020-06-25T20:25:03+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/HUD-Logo-7.png</image:loc>
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		<lastmod>2020-06-25T20:26:31+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/Federal-Housing-Finance-Agency-FHFA-Seal.png</image:loc>
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		<lastmod>2020-06-25T20:31:35+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/HUD-Logo-7.png</image:loc>
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		<loc>https://www.ncsha.org/blog/cfpb-proposes-to-remove-dti-limit-and-implement-price-thresholds-for-qm-loans/</loc>
		<lastmod>2020-06-25T20:33:10+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2013/05/CFPB_13-1.png</image:loc>
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		<lastmod>2020-06-25T20:34:09+00:00</lastmod>
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		<lastmod>2020-06-26T17:39:53+00:00</lastmod>
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		<lastmod>2020-06-26T17:47:41+00:00</lastmod>
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		<lastmod>2020-06-26T17:53:11+00:00</lastmod>
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		<lastmod>2020-06-26T18:36:46+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/House-of-Representatives-Seal_40.png</image:loc>
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		<loc>https://www.ncsha.org/blog/fhfa-announces-gses-will-extend-multifamily-forbearance-agreements-tenant-protections/</loc>
		<lastmod>2020-06-29T20:27:37+00:00</lastmod>
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		<lastmod>2020-07-02T13:44:20+00:00</lastmod>
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		<lastmod>2020-07-02T13:44:50+00:00</lastmod>
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		<lastmod>2020-07-02T13:45:03+00:00</lastmod>
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		<loc>https://www.ncsha.org/blog/senators-wyden-and-cantwell-introduce-legislation-paralleling-housing-credit-provisions-in-house-infrastructure-bill/</loc>
		<lastmod>2020-07-02T13:45:20+00:00</lastmod>
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		<lastmod>2020-07-02T21:41:19+00:00</lastmod>
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	<url>
		<loc>https://www.ncsha.org/blog/ncsha-and-dept-of-energy-to-hold-webinar-for-hfas-on-does-home-energy-score/</loc>
		<lastmod>2020-07-06T19:44:16+00:00</lastmod>
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		<lastmod>2020-07-06T19:45:20+00:00</lastmod>
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		<loc>https://www.ncsha.org/blog/administration-releases-tax-plan-outline/</loc>
		<lastmod>2020-07-06T19:46:44+00:00</lastmod>
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		<lastmod>2020-07-06T19:50:18+00:00</lastmod>
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		<lastmod>2020-07-06T19:52:42+00:00</lastmod>
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	</url>
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		<lastmod>2020-07-06T19:57:31+00:00</lastmod>
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		<lastmod>2020-07-06T20:07:44+00:00</lastmod>
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	</url>
	<url>
		<loc>https://www.ncsha.org/blog/senate-finance-committee-begins-tax-reform-mark/</loc>
		<lastmod>2020-07-06T20:08:20+00:00</lastmod>
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	<url>
		<loc>https://www.ncsha.org/blog/senators-introduce-disaster-relief-bill/</loc>
		<lastmod>2020-07-06T20:20:34+00:00</lastmod>
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		<lastmod>2020-07-06T20:22:12+00:00</lastmod>
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		<lastmod>2020-07-06T20:42:27+00:00</lastmod>
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	<url>
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		<lastmod>2020-07-06T20:47:27+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/05/Terner-Center-for-Housing-Innovations-at-UC-Berkley.png</image:loc>
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	<url>
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		<lastmod>2020-07-07T13:31:26+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/01/CFPB_13.png</image:loc>
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	</url>
	<url>
		<loc>https://www.ncsha.org/blog/house-appropriations-subcommittee-approves-fy-2021-agriculture-appropriations-bill/</loc>
		<lastmod>2020-07-07T18:28:58+00:00</lastmod>
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	</url>
	<url>
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		<lastmod>2020-07-08T17:08:18+00:00</lastmod>
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	<url>
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		<lastmod>2020-07-13T17:37:32+00:00</lastmod>
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		<lastmod>2020-07-13T17:39:37+00:00</lastmod>
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	<url>
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		<lastmod>2020-07-13T17:40:52+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/House-of-Representatives-Seal-1.png</image:loc>
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	<url>
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		<lastmod>2020-07-13T17:41:04+00:00</lastmod>
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		<lastmod>2020-07-13T17:41:13+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/House-of-Representatives-Seal-1.png</image:loc>
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		<lastmod>2020-07-13T17:41:30+00:00</lastmod>
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		<lastmod>2020-07-13T17:41:51+00:00</lastmod>
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		<lastmod>2020-07-13T17:42:02+00:00</lastmod>
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	<url>
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		<lastmod>2020-07-13T17:42:09+00:00</lastmod>
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		<lastmod>2020-07-13T17:42:18+00:00</lastmod>
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		<lastmod>2020-07-13T17:48:06+00:00</lastmod>
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		<lastmod>2020-07-13T17:59:30+00:00</lastmod>
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		<lastmod>2020-08-14T13:09:21+00:00</lastmod>
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		<lastmod>2020-08-14T13:33:21+00:00</lastmod>
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		<lastmod>2020-08-14T13:41:14+00:00</lastmod>
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		<lastmod>2020-08-14T18:16:05+00:00</lastmod>
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		<lastmod>2020-08-14T19:24:28+00:00</lastmod>
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		<lastmod>2020-09-10T20:35:35+00:00</lastmod>
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		<lastmod>2020-09-11T21:20:21+00:00</lastmod>
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		<lastmod>2020-11-16T22:46:42+00:00</lastmod>
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		<lastmod>2020-11-17T21:29:51+00:00</lastmod>
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		<lastmod>2020-11-20T17:28:47+00:00</lastmod>
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		<lastmod>2020-11-30T16:06:43+00:00</lastmod>
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		<lastmod>2020-12-14T14:30:02+00:00</lastmod>
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		<lastmod>2020-12-15T22:00:10+00:00</lastmod>
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		<lastmod>2020-12-17T22:54:26+00:00</lastmod>
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		<lastmod>2020-12-30T18:10:38+00:00</lastmod>
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		<lastmod>2020-12-30T18:18:19+00:00</lastmod>
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		<lastmod>2021-01-04T17:15:21+00:00</lastmod>
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		<lastmod>2021-01-06T20:26:07+00:00</lastmod>
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		<lastmod>2021-01-13T15:15:00+00:00</lastmod>
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		<lastmod>2021-01-15T16:27:15+00:00</lastmod>
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		<lastmod>2021-01-29T16:22:47+00:00</lastmod>
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		<lastmod>2021-02-08T21:24:43+00:00</lastmod>
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		<lastmod>2021-02-08T21:34:42+00:00</lastmod>
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	<url>
		<loc>https://www.ncsha.org/blog/cdfa-survey-finds-housing-bond-issuance-continued-to-increase-in-2018/</loc>
		<lastmod>2021-02-14T15:17:49+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2017/09/CDFA.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/treasurys-revised-emergency-rental-assistance-guidance-addresses-nearly-all-ncsha-recommendations/</loc>
		<lastmod>2021-02-23T04:14:39+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/United-States-Department-of-the-Treasury.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/house-passes-american-rescue-plan-act-senate-could-act-this-week/</loc>
		<lastmod>2021-03-02T17:31:28+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/02/Logo-House-of-Representatives-150x150-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/hud-publishes-data-on-housing-credit-tenant-characteristics/</loc>
		<lastmod>2021-03-05T17:49:06+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/HUD-Logo.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/congress-sends-president-biden-1-9-trillion-american-rescue-plan-act-for-signature/</loc>
		<lastmod>2021-03-10T19:43:39+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/Logo-House-of-Representatives.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/ncsha-testifies-at-irs-hearing-on-housing-credit-average-income-test/</loc>
		<lastmod>2021-03-25T20:24:29+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/IRS-scaled.gif</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/white-house-releases-2-trillion-infrastructure-and-jobs-plan/</loc>
		<lastmod>2021-03-31T15:59:27+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/White-House-Logo-Round.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/biden-releases-fy-2022-budget-outline/</loc>
		<lastmod>2021-04-09T21:48:44+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/White-House-and-OMB.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/lowering-bond-financing-threshold-for-4-percent-housing-credit-developments-could-result-in-nearly-1-5-million-more-affordable-homes-over-10-years/</loc>
		<lastmod>2021-04-15T19:21:57+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2021_Novogradac_NCSHA_50_Test_ver.2-1.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/Totals-over-2022-2031.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/cloture-motion-fails-on-senate-tax-extenders-bill/</loc>
		<lastmod>2021-04-20T15:37:15+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/capitolbuilding_21.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/fhfa-directs-fannie-mae-and-freddie-mac-to-begin-making-contributions-to-the-housing-trust-fund/</loc>
		<lastmod>2021-04-20T15:38:32+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/Federal-Housing-Finance-Agency-FHFA-Seal.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/house-passes-fy-2015-budget-resolution/</loc>
		<lastmod>2021-04-20T15:39:25+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/Logo-House-of-Representatives.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/congressional-housing-credit-champions-introduce-affordable-housing-credit-improvement-act-of-2021/</loc>
		<lastmod>2021-04-27T19:04:30+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/United-States-Congress-Seal-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/revised-faqs-on-emergency-rental-assistance-provide-guidance-on-implementation-of-second-round-of-funding/</loc>
		<lastmod>2021-05-10T22:38:31+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/Treasury-United-States-Department-of-the-Treasury.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/ncsha-publishes-top-policy-priorities-for-infrastructure-legislation/</loc>
		<lastmod>2021-05-19T14:36:36+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/09/NCSHA_Navy-2018-e1543599823922.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/white-house-previews-housing-investment-proposals-with-significant-increases-for-the-housing-credit-home-and-housing-trust-fund/</loc>
		<lastmod>2021-05-26T17:40:35+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/White-House-and-OMB.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/white-house-announces-proposals-to-reduce-the-racial-wealth-gap/</loc>
		<lastmod>2021-06-01T18:57:27+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/White-House-and-OMB.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/Break-Line.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/biden-releases-fy-2022-budget-proposes-increased-investments-in-housing/</loc>
		<lastmod>2021-06-02T13:08:26+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/White-House-and-OMB.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/hud-interim-rule-reinstates-aspects-of-affirmatively-furthering-fair-housing-requirements-does-not-yet-require-specific-fair-housing-planning/</loc>
		<lastmod>2021-06-09T20:31:10+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/HUD-Logo.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/new-harvard-housing-study-highlights-affordability-challenges-amidst-post-pandemic-economic-recovery/</loc>
		<lastmod>2021-06-17T21:23:29+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/Harvard-Joint-Center-for-Housing-Studies.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/Figure_18_Despite-the-Pandemic-the-National-Homeownership-Rate-Remained-on-the-Rise-Over-the-Past-Year.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/Figure_21_Homeowners-of-Color-and-Borrowers-with-Little-Equity-Were-Espeially-Likely-to-Be-in-Forbearance-in-Early-2021.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/treasurys-revised-emergency-rental-assistance-guidance-addresses-ncsha-recommendations-on-bundling-assistance-housing-stability-services/</loc>
		<lastmod>2021-06-24T21:55:04+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/Treasury-United-States-Department-of-the-Treasury.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/hud-proposes-to-reinstate-2013-disparate-impact-rule/</loc>
		<lastmod>2021-06-28T19:04:49+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/HUD-Logo.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/house-appropriations-subcommittee-approves-fy-2022-bill-increasing-hud-program-funding-levels/</loc>
		<lastmod>2021-07-16T13:46:23+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/appropriations-logo.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/new-nlihc-report-highlights-persistent-housing-affordability-challenges-for-low-wage-renters/</loc>
		<lastmod>2021-07-16T15:13:45+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/National-Low-Income-Housing-Coalition.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/Figure-1-Rents-Are-Out-of-Reach-For-Many-Renters.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/house-approves-fy-2022-omnibus-bill-with-funding-for-hud-and-rural-housing-programs/</loc>
		<lastmod>2021-08-02T16:31:39+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/House-of-Representatives-Seal_40.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/irs-publishes-population-figures-for-calculating-disaster-housing-credit-authority/</loc>
		<lastmod>2021-08-02T17:24:53+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/IRS-1-e1541366630616.gif</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/cdc-issues-new-eviction-moratorium-through-october-3/</loc>
		<lastmod>2021-08-09T13:39:15+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/cdc-logo-1063x684-1.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/house-passes-budget-resolution-setting-the-stage-for-reconciliation-and-bipartisan-infrastructure-legislation/</loc>
		<lastmod>2021-08-26T19:24:38+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/House-of-Representatives-Seal_40.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/ncsha-writes-to-congressional-leadership-tax-and-housing-authorizing-committees-on-reconciliation-bill-priorities/</loc>
		<lastmod>2021-08-26T19:24:52+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/09/NCSHA_Navy-2018-e1543599823922.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/finance-committee-chairman-wyden-introduces-sweeping-affordable-housing-legislation/</loc>
		<lastmod>2021-08-26T19:25:10+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2016/03/US-Senate-Seal.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/ncsha-urges-irs-and-treasury-to-extend-housing-credit-covid-19-relief/</loc>
		<lastmod>2021-08-26T19:25:24+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/09/NCSHA_Navy-2018-e1543599823922.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/senate-democrats-budget-resolution-calls-for-historic-new-investments-in-affordable-housing/</loc>
		<lastmod>2021-08-26T19:25:34+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/US-Senate.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/treasury-adopts-ncshas-recommendations-clarifying-and-providing-greater-flexibility-in-emergency-rental-assistance-program-guidance/</loc>
		<lastmod>2021-09-01T18:40:44+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/Treasury-United-States-Department-of-the-Treasury.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/ncsha-urges-chairwoman-waters-to-consider-modifications-to-emergency-rental-assistance-law-in-forthcoming-bill/</loc>
		<lastmod>2021-09-02T21:44:07+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/09/NCSHA_Navy-2018-e1543599823922.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/waters-introduces-bill-to-reform-emergency-rental-assistance-program-salazar-to-testify/</loc>
		<lastmod>2021-09-09T22:48:55+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/House-of-Representatives-Seal_40.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/financial-services-committee-releases-draft-reconciliation-bill-proposes-historic-investments-in-affordable-housing-programs/</loc>
		<lastmod>2021-09-09T23:30:30+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2017/05/House-Financial-Services-Committee-1.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/hud-issues-home-arp-guidance-for-assisting-households-experiencing-or-at-risk-of-homelessness/</loc>
		<lastmod>2021-09-13T20:40:54+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/HUD-Logo.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/house-tax-writers-to-consider-historic-legislation-to-expand-housing-credit-lower-bond-financing-threshold-enact-neighborhood-homes-credit/</loc>
		<lastmod>2021-09-13T20:48:47+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/House-of-Representatives-Seal_40.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/financial-services-committee-advances-reconciliation-bill-with-historic-housing-program-investments/</loc>
		<lastmod>2021-09-14T19:06:33+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/House-of-Representatives-Seal_40.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/ncsha-other-stakeholders-support-house-efforts-to-preserve-affordability-of-housing-credit-properties/</loc>
		<lastmod>2021-09-15T20:37:49+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/09/NCSHA_Navy-2018-e1543599823922.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/treasury-issues-preliminary-information-about-reallocation-of-emergency-rental-assistance/</loc>
		<lastmod>2021-09-28T22:23:15+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/Treasury-United-States-Department-of-the-Treasury.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/hud-extends-covid-related-home-waivers-and-extensions/</loc>
		<lastmod>2021-09-29T13:52:13+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/HUD-Logo.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/treasury-issues-guidance-on-emergency-rental-assistance-reallocation/</loc>
		<lastmod>2021-10-05T13:11:26+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/United-States-Department-of-the-Treasury.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/senate-unveils-remaining-fy-2022-appropriations-bills-including-thud-appropriations/</loc>
		<lastmod>2021-10-20T20:09:24+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/US-Senate.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/meg-burns-joins-the-financial-services-roundtable-housing-policy-council/</loc>
		<lastmod>2021-10-22T15:11:26+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/FSR_logo.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/revised-build-back-better-bill-maintains-strong-investments-in-affordable-housing-but-leaves-out-housing-tax-priorities/</loc>
		<lastmod>2021-11-01T16:54:12+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/Logo-House-of-Representatives.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/house-releases-new-bill-text-for-build-back-better-act-adds-back-housing-credit-provisions/</loc>
		<lastmod>2021-11-04T13:12:52+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/House-of-Representatives-Seal_40.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/cdfa-report-finds-pab-issuance-at-record-highs-for-2019-and-2020-housing-bond-issuance-increases/</loc>
		<lastmod>2021-12-02T01:45:12+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2017/09/CDFA.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/irs-issues-guidance-on-implementation-of-housing-credit-4-percent-minimum-rate/</loc>
		<lastmod>2021-12-02T02:01:55+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/IRS-scaled.gif</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/ncsha-and-industry-stakeholders-urge-irs-and-treasury-to-finalize-housing-credit-average-income-test-rule/</loc>
		<lastmod>2021-12-06T16:09:56+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/11/NCSHA-for-netFORUM-200.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.ncsha.org/blog/ncsha-leads-coalition-urging-treasury-to-align-fiscal-recovery-fund-rules-with-the-housing-credit/</loc>
		<lastmod>2021-12-13T22:50:23+00:00</lastmod>
		<image:image>
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		<lastmod>2021-12-14T02:54:34+00:00</lastmod>
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		<lastmod>2021-12-22T18:34:15+00:00</lastmod>
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		<lastmod>2022-01-13T15:13:07+00:00</lastmod>
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		<lastmod>2022-02-18T15:20:02+00:00</lastmod>
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		<lastmod>2022-03-17T20:27:26+00:00</lastmod>
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		<loc>https://www.ncsha.org/blog/house-housing-subcommittee-considers-chairmans-housing-reform-bill/</loc>
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		<loc>https://www.ncsha.org/blog/congress-approves-fy-2015-omnibus-appropriations-bill/</loc>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/Harvard-Joint-Center-for-Housing-Studies.jpg</image:loc>
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		<loc>https://www.ncsha.org/blog/hud-proposes-rescission-of-disparate-impact-rule/</loc>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/HUD-Logo.png</image:loc>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/House-of-Representatives-Seal_40.png</image:loc>
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		<loc>https://www.ncsha.org/blog/house-of-representatives-passes-affordable-housing-package/</loc>
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		<loc>https://www.ncsha.org/blog/ncsha-details-key-changes-to-home-in-the-21st-century-road-to-housing-act/</loc>
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		<loc>https://www.ncsha.org/blog/senate-passes-comprehensive-affordable-housing-bill-with-several-ncsha-priorities/</loc>
		<lastmod>2026-03-12T17:55:07+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/US-Senate.png</image:loc>
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		<loc>https://www.ncsha.org/blog/president-trump-issues-executive-orders-on-removal-of-regulatory-barriers-to-affordable-housing-promoting-access-to-mortgage-credit/</loc>
		<lastmod>2026-03-13T22:09:46+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/White-House-and-OMB.png</image:loc>
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		<loc>https://www.ncsha.org/blog/new-research-shows-haf-program-helped-stabilize-many-homeowners/</loc>
		<lastmod>2026-04-02T20:46:12+00:00</lastmod>
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		<loc>https://www.ncsha.org/blog/trump-administration-releases-fy27-budget-proposal/</loc>
		<lastmod>2026-04-28T18:42:55+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/White-House-and-OMB.png</image:loc>
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		<loc>https://www.ncsha.org/blog/house-releases-new-21st-century-road-to-housing-bill/</loc>
		<lastmod>2026-05-14T22:48:00+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/House-of-Representatives-Seal_40.png</image:loc>
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		<loc>https://www.ncsha.org/blog/house-passes-housing-bill-white-house-expresses-support/</loc>
		<lastmod>2026-05-20T17:30:32+00:00</lastmod>
		<image:image>
			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/House-of-Representatives-Seal_40.png</image:loc>
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	<url>
		<loc>https://www.ncsha.org/blog/house-appropriations-subcommittee-advances-fy27-hud-funding-bill/</loc>
		<lastmod>2026-05-21T14:59:10+00:00</lastmod>
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			<image:loc>https://www.ncsha.org/wp-content/uploads/2018/04/Logo-House-of-Representatives.png</image:loc>
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