Apply Online
Schedule a Call

Housing

Banks sour on Senate housing bill, but may not stop passage

Housing, Politics and policy, Trump administration /

Key insight: The Senate’s manager’s amendment, which added FHA multifamily loan limit reductions and an institutional investor cap on single-family homes, cost the legislation support from the Mortgage Bankers Association. What’s at stake: Community bank regulatory provisions championed by House Financial Services Committee Chairman French Hill were stripped from the Senate version, making it unlikely […]

Banks sour on Senate housing bill, but may not stop passage Read More »

White House order to increase small bank mortgage lending

Housing, Politics, Politics and policy /

Key insight: The White House issued an executive order directing the Consumer Financial Protection Bureau and bank regulators to tailor mortgage rules for community banks. What’s at stake: The move is part of a broader Republican strategy to shore up its credibility around housing affordability ahead of the 2026 midterms, and comes as a bipartisan

White House order to increase small bank mortgage lending Read More »

Housing bill passes Senate, but window of opportunity narrows

Housing, Multifamily, Politics and policy /

Key insight: The Senate passed housing legislation by a wide bipartisan margin, but the House is less likely to do so.  What’s at stake: The Mortgage Bankers Association has complained that a “drafting error” in a section of the bill prohibiting investment companies from buying single-family homes would reduce the construction of multifamily housing.  Forward

Housing bill passes Senate, but window of opportunity narrows Read More »

Housing bill moves forward with institutional housing ban

Housing, Politics and policy, Regulation and compliance, Trump administration /

Key insight: The White House has indicated its support for the compromise legislative language now moving forward in the Senate. The House passed its own housing bill last month, which included a number of community bank-related riders.  What’s at stake: Legislative language related to brokered and custodial deposits, as well as other policy reforms aimed

Housing bill moves forward with institutional housing ban Read More »

Senate tees up housing bill, but what’s in it is unclear

Housing, Politics and policy, Regulation and compliance /

Key insight: The core of both the Senate and House versions of the legislation aim to increase the supply of housing, but a slew of bipartisan riders in the House version have been opposed by some Democrats in the upper chamber.  What’s at stake: The House version has a number of bank-favored riders, like brokered

Senate tees up housing bill, but what’s in it is unclear Read More »

Exclusive: Lawmakers introduce bipartisan FHLB bond bill

FHLB, Housing, Politics and policy /

Key insight: A bill offered by Sens. Catherine Cortez Masto, D-Nev., and Todd Young, R-Ind., would allow Federal Home Loan bank members to set up tax-exempt bonds for community development projects, much the same way they already do for housing projects.  Expert quote: “For too long, communities across the country have had a hard time

Exclusive: Lawmakers introduce bipartisan FHLB bond bill Read More »

Trump talks housing, affordability at State of the Union

Donald Trump, Housing, Politics, Politics and policy /

Key insight: President Donald Trump urged Congress to pass legislation restricting institutional investors purchasing single family homes, following up on his executive order that the legislature would need to codify.  What’s at stake: Banks generally favor rhetoric that promotes housing availability and funding, since it helps produce more mortgages, but the institutional investor rhetoric is

Trump talks housing, affordability at State of the Union Read More »

Housing bill passes House with community bank riders

Community banking, Housing, Politics and policy /

Key insight: The House is poised to pass a housing affordability package with wide bipartisan margins.  What’s at stake: The House bill contains a number of community bank provisions that are absent from the Senate version of the bill.  Forward look: Warren’s opposition to those riders will make passage in the upper chamber more challenging,

Housing bill passes House with community bank riders Read More »

Trump backs ban on institutional buyers in housing market

Housing, Nonbank, Politics and policy /

Key insight: President Donald Trump said he would ban institutional investment in single-family homes, and called on Congress to codify the changes.  What’s at stake: Banks are often financiers of institutional investments in single-family housing stock.  Forward look: The White House doesn’t have unilateral power to ban institutional investors from purchasing single family homes, but

Trump backs ban on institutional buyers in housing market Read More »

Harvard study: how low immigration could impact housing demand

Harvard University, Housing, Housing Demand, Leadership, The Builder's Daily /

On Tuesday, Harvard University’s Joint Center for Housing Studies (JCHS) updated an August homeownership and household growth report with an addendum that adds a low-immigration scenario.  Under the low-immigration scenario, the number of homeowning households would decline by approximately 88,000 to 99,000 per year relative to a baseline scenario assuming historical immigration levels. The number

Harvard study: how low immigration could impact housing demand Read More »