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House Committee Torn on Next Move for Affordable Housing

February 12, 2026
Shannon Clark
Rep. Maxine Waters, D-CA, applauded the House’s effort to pass the Housing for the 21st Century Act, but said one bill isn’t enough to fix the housing affordability crisis.
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Builders Weighing Rent-to-Own Model to Boost Supply

February 12, 2026
Dennis Hollier
The big homebuilders are purportedly planning to build a million starter homes to sell through a rent-to-own program. The Trump administration has distanced itself from any such proposal.
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GSEs Seen as Poorly Positioned to Help With Affordability

February 12, 2026
Dennis Hollier
Former Freddie CEO believes most prospective remedies to the affordability crisis will benefit only borrowers who don’t need the help.
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VantageScore 4.0 Was Not Approved by GSEs

February 5, 2026
Dennis Hollier
Documents released under a FOIA request indicated that the GSEs’ assessment of the new credit score requirements found that a single-bureau credit pull significantly underperformed both the tri-merge and bi-merge.
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State Regulators Challenge OCC Preemption Proposals

February 5, 2026
Shannon Clark
State regulators said OCC’s proposals seeking to preempt state interest-on-escrow laws exceed its authority and ignore legal precedent.
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Trump’s Housing Affordability Conundrum

February 5, 2026
Dennis Hollier
The president wants to address housing affordability but also wants home prices to remain high because it has made a lot of people wealthy.
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CDIA Sides With CHLA in Tri-Merge Debate

January 29, 2026
Dennis Hollier
The trade group representing credit reporting agencies said MBA’s proposal to move to a single-bureau report is more about lowering costs for lenders than saving money for consumers.
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States Ramping Up AI Regulation in Mortgage Market

January 29, 2026
Shannon Clark
With states increasing their regulation of artificial intelligence, trade groups representing the mortgage industry are concerned state regulation will interfere with federal mandates.
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Political Parties Differ on Cause of Housing Affordability Issues

January 29, 2026
James Dohnert
House Republicans blamed regulations and immigration, while Democrats believe President Trump’s effort to ban institutional investors from buying single-family homes didn’t go far enough.
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Trump Against Plan to Use 401(k) for Downpayments

January 29, 2026
James Dohnert
President Trump has opposed a plan from his economic advisor to waive penalties on 401(k) withdrawals used for a downpayment.
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