Policy Statements

Parity – Equitable Treatment of Lenders by Size In order to promote mortgage market competition, and to assure fair and equal treatment for the borrowers… Read More »GSEs – Federal Regulation

Reducing Annual Premiums Since February, 2014, the CHLA has led the push for a reduction in the annual premiums that FHA charges on its loans… Read More »FHA – Access and Affordability

Issue On January 20, 2013, the CFPB adopted its Loan Originator Compensation Rule, which took effect in January, 2014.  Among other things, the rule implements Section… Read More »SAFE Act Parity

The Community Home Lenders Association recognizes that abuses that took place in the subprime era harmed consumers, housing markets, and the broader economy. While CHLA… Read More »Mortgage Rules and Regulations

                      MORTGAGE REFORM RECOMMENDATIONS COMMUNITY HOME LENDERS ASSOCIATION (CHLA) The prospects for action on either the House or Senate floor on GSE reform in the… Read More »GSEs – Congressional Mortgage Reform

Problem The SAFE Act requires mortgage loan originators (LOs) that work for non-depository institutions (non-banks) to be registered and licensed, to complete 20 hours of… Read More »Transitional Licensing