This document summarizes the Renewing Opportunity in the American Dream to Housing Act of 2025, or ROAD to Housing Act, which the U.S Senate passed on October 9. This wide-ranging package contains dozens of proposals introduced by Senators from both parties. The legislation includes several bills supported by NCSHA, most notably the HOME Investment Partnerships […]
On September 26, 2025, NCSHA sent the attached comments to the Federal Housing Finance Agency (FHFA) on FHFA’s proposed rule to repeal its May 2024 rule codifying the Fair Lending, Fair Housing, and Equitable Housing Finance Plan requirements for Fannie Mae and Freddie Mac and the Federal Home Loan Banks. In the letter, NCSHA encouraged […]
On August 21, 2025, NCSHA submitted comments to the U.S. Department of Housing and Urban Development (HUD) on its request for information regarding the impact of Buy Now Pay Later (BNPL) debt on mortgage lending. The letter highlights concerns that BNPL loans often operate largely outside traditional credit reporting systems and can be overused easily, […]
Read More… from NCSHA Letter to HUD on Impact of Buy Now Pay Later Loans on Mortgage Lending
On August 18, 2025, NCSHA sent this letter to federal banking regulators — the Federal Reserve, Federal Deposit Insurance Corporation, and Office of the Comptroller of the Currency — commenting on their July 18 proposed rule to repeal their October 2023 final rule revamping the Community Reinvestment Act (CRA) regulations and restore the previous CRA […]
Read More… from NCSHA Letter to Federal Banking Regulators on Proposed CRA Revisions
The “Renewing Opportunity in the American Dream to Housing Act of 2025,” or “ROAD to Housing Act,” is a comprehensive package that contains dozens of proposals introduced by Senators from both parties. The legislation includes several bills supported by NCSHA, most notably the HOME Investment Partnerships Program Reauthorization and Improvement Act. The Senate Banking Committee […]
On July 22, 2025, members of the HOME Coalition, led by NCSHA, sent this letter to the Senate Appropriations Committee, urging them to fund the HOME Investment Partnerships Program at no less than $1.5 billion in Fiscal Year 2026, warning that the House’s proposed elimination of the program would severely undermine local efforts to address […]
Read More… from HOME Coalition Letter to Senate to Preserve Program Funding in FY26
The ACTION Campaign sent this letter to the Senate Appropriations Committee on July 17, 2025, urging them to protect funding for the HOME Investment Partnerships Program in fiscal year 2026. This letter comes in response to the House Appropriations Committee’s FY26 Transportation, Housing and Urban Development, and Related Agencies bill, which eliminates all funding for […]
Read More… from ACTION Letter to Senate Appropriations Committee to Protect HOME Funding in FY26
On June 3, 2025, the Federal Housing Administration issued Mortgagee Letter 2025-14, superseding and updating the policy outlined in Mortgage Letter 2024-24, while also providing clarifications to ML 2025-12. Specifically, the letter builds on recent guidance to improve communication with borrowers in default and streamline loss mitigation procedures. View Document […]
On May 30, 2025, NCSHA submitted a letter to the Internal Revenue Service outlining its recommendations for the 2025–2026 Priority Guidance Plan. The letter emphasizes key policy priorities related to affordable housing, including updates to guidance for housing bond programs and the housing credit, and other critical housing initiatives. View Letter […]
Read More… from NCSHA Comments on IRS 2025-2026 Priority Guidance Plan
