Resource Center

Looking for talking points or FAQs to prepare for a meeting on Capitol Hill? A copy of NCSHA’s annual Factbook? Housing research and analysis? A presentation from a recent conference to share with a colleague? A reference guide for Housing Credit, HOME, MRBs, or Section 8 program administration? You’ve come to the right place: The NCSHA Resource Center is your source for this important information and much more. Refer to the right sidebar to see resource categories or use the search bar to search resources by topic.

NCSHA Members: Looking for a specific resource from a past event or conference? Please contact us for assistance.

Emergency Housing Assistance Updates

NCSHA Summary of the ROAD to Housing Act

This document summarizes the “Renewing Opportunity in the American Dream to Housing Act of 2025,” or “ROAD to Housing Act,” which the Senate Banking Committee passed unanimously on June 29. 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 Program Reauthorization and Improvement Act. It is the first bipartisan housing bill to advance through the Banking Committee in more than a decade.

NCSHA Letter to FHFA on Repeal of GSE Fair Lending, Fair Housing, and Equitable Housing Finance Plan Rule

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 FHFA to instruct Fannie Mae and Freddie Mac to continue certain efforts and pilots that have been effective and to make additional efforts to reach underserved markets and communities. NCSHA noted state HFAs would be good partners for FHFA, Fannie Mae, and Freddie Mac in these endeavors.

NCSHA Letter to HUD on Impact of Buy Now Pay Later Loans on Mortgage Lending

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.

NCSHA Letter to Federal Banking Regulators on Proposed CRA Revisions

On August 18, 2025, NCSHA sent the attached letter to federal banking regulators — the Federal Reserve, Federal Deposit Insurance Corporation, and the 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 regulatory framework finalized in 1995. In the letter, NCSHA expressed support for the proposed rule because it will provide banks with the certainty they need to continue fulfilling their CRA obligations and incentivize bank investments in Housing Credit and Housing Bonds.

Legislative Text of the ROAD to Housing Act

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 unanimously approved the ROAD to Housing Act on June 30, making it the first bipartisan housing bill to advance through the Banking Committee in more than a decade.

HOME Coalition Letter to Senate to Preserve Program Funding in FY26

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 the nation’s affordable housing crisis.

ACTION Letter to Senate Appropriations Committee to Protect HOME 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 HOME, a critical gap-filling resource in developments that utilize the Housing Credit.

Affordable Housing Credit Improvement Act Center

Access advocacy tools, useful links, and videos related to the Affordable Housing Credit Improvement Act. Get involved and contact NCSHA staff with questions. | Sponsored by Senators Maria Cantwell (D-WA), Todd Young (R-IN), Ron Wyden (D-OR), Johnny Isakson (R-GA) and in the Senate and Representatives Suzan DelBene (D-WA), Kenny Marchant (R-TX), Don Beyer (D-VA), and Jackie Walorski (R-IN) in the House, the Affordable Housing Credit Improvement Act of 2019 (S. 1703/H.R. 3077) would make significant strides towards addressing our nation’s severe shortage of affordable housing by expanding and strengthening the Low Income Housing Tax Credit (Housing Credit), our nation’s most successful tool for encouraging private investment in the production and preservation of affordable rental housing. This legislation would increase the supply of affordable rental housing by over 550,000 units over 10 years. #AHCIA

FHA Mortgagee Letter 2025-14: Updates to Modernization of Engagement with Borrowers in Default and Loss Mitigation

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.

NCSHA Comments on IRS 2025-2026 Priority Guidance Plan

NCSHA submitted a letter to the Internal Revenue Service outlining its recommendations for the 2025–2026 Priority Guidance Plan.