The law banning trigger leads will make consumers less vulnerable to unsolicited credit offers, but the reforms still need some fine-tuning.

No new housing initiatives from President Trump; mortgage applications steady; home prices increase modestly in 2025; Democrats in Senate introduce bill aimed at limiting SFR institutional investors.

House Republicans said they’re drafting legislation that would end the conservatorships of Fannie Mae and Freddie Mac.

Former Freddie CEO believes most prospective remedies to the affordability crisis will benefit only borrowers who don’t need the help.

Bob Broeksmit, president and CEO of MBA, said the CDIA is distorting mortgage lenders’ position and reason for urging a change to the tri-merge credit reporting requirement.

Pete Mills, a senior vice president at MBA, believes housing affordability initiatives are more likely to come from executive orders this year.

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.

President Trump has opposed a plan from his economic advisor to waive penalties on 401(k) withdrawals used for a downpayment.

The executive order seeks to limit institutional investors from purchasing single-family homes, but some market participants believe it would do little to boost housing affordability nationally.

Appraisal reforms included in a Senate-approved housing package didn’t make it into a housing bill moving through the House. Meanwhile, the MBA raised concerns about the reforms in the Senate legislation.