NCSHA Comment Letter to Federal Banking Regulators on Amended Bank Capital Standards
On June 16, 2026, NCSHA commented on a series of Notices of Proposed Rulemaking (NPRs) issued by federal banking regulatory agencies — the Federal Reserve, Federal Deposit Insurance Corporation, and the Office of the Comptroller of the Currency — modifying the federal bank capital standards. In the letter, NCSHA urges the regulators to reduce the amount of capital banks are required to hold for properties financed by the Housing Credit and Housing Bond investments. NCSHA also expresses opposition to a provision in the NPRs that would base the risk-weights for single-family home purchase loans entirely in a loan’s loan-to-value ratio.
