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What the Housing for the 21st Century Act means for real estate agents, lenders

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The Housing for the 21st Century Act — a sweeping housing reform package moving through Congress — is the boldest step yet in a broad federal push to increase housing supply and improve affordability. The legislation directs the U.S. Department of Housing and Urban Development (HUD) to publish “best practices” for states and local governments […]

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House approves funding boost for Social Security Administration

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The House of Representatives approved legislation last week to bolster customer service efforts at the Social Security Administration (SSA), advancing a broader funding package aimed at avoiding a government shutdown at the end of this month. Lawmakers paired the funding increase with oversight requirements, instructing the SSA to avoid closing field offices or cut direct

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New bill seeks elimination of capital gains tax on home sales

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Rep. Craig Goldman (R-Texas) introduced legislation this week, dubbed the Don’t Tax the American Dream Act, that would eliminate federal capital gains taxes on the sale of primary residences. “Americans are overtaxed. The Don’t Tax the American Dream Act repeals costly capital gains taxes on home sales so that Americans keep more of their hard-earned

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Social Security proposals raise stakes for senior homeowners

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A wave of recent proposals from think tanks across the ideological spectrum argue that the ultimate solution for keeping Social Security viable lies in fundamentally changing how the program works. According to federal actuaries, Social Security’s trust funds are projected to be depleted by 2032. If Congress takes no action, benefits would be cut across

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Poll finds broad support for independent Social Security commission

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A recent Cato Institute survey of 2,000 adults found strong bipartisan support for creating an independent, nonpartisan commission with authority to address Social Security’s long-term funding shortfall. Seventy-one percent of respondents said they favor Congress establishing such a body, reflecting broad frustration with lawmakers and growing openness to an alternative decision-making process. Support cuts across

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ROAD to Housing Act dropped from NDAA, sparking trade group response

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The ROAD to Housing Act was left out of the 2026 National Defense Authorization Act (NDAA) in the final House text released Sunday, leaving the mortgage industry to continue pushing for housing provisions into the first quarter of next year.  The bipartisan bill — which includes policies to address housing affordability, boost supply, modernize financing

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Trade groups urge Congress to reauthorize NFIP

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Last week, the Mortgage Bankers Association (MBA) and 14 other trade groups representing insurance companies, lenders and other financial institutions urged Congress to approve a long-term reauthorization of the National Flood Insurance Program (NFIP). In a letter to congressional leaders dated Dec. 2, the organizations said that millions of U.S. homeowners depend on the federally

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Inventory, affordability take center stage in House hearing

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U.S. Rep. Mike Flood (R-Neb.) pressed federal housing officials Wednesday on what he described as costly and counterproductive red tape, using a House Financial Services Committee hearing to highlight regulations he feels are worsening the national housing shortage. The hearing focused heavily on interpretations of Build America, Buy America (BABA) requirements and their impacts on

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Community association leaders advocate on Capitol Hill

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Hundreds of community association leaders visited Capitol Hill this past Thursday for the Congressional Advocacy Summit hosted by the Community Associations Institute (CAI). More than 200 advocates from CAI — representing more than 77 million homeowners association, condominium and co-op residents — met with members of Congress and their staff to discuss federal issues in

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MBA’s Bob Broeksmit celebrates legislative victories in 2025

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Mortgage Bankers Association President and CEO Bob Broeksmit on Monday called 2025 a “historic year” for the trade group, highlighting major legislative and regulatory victories during his opening address Monday morning at the association’s Annual Convention and Expo in Las Vegas. Broeksmit shared with the audience that the MBA helped shape roughly 10% of all

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