ICBA, others share with White House ways to reduce the costs of homeownership
January 23, 2026 / By ICBA
ICBA and other groups sent a letter to the National Economic Council proposing several administrative actions that could help lower the costs of homeownership while preserving safety and soundness for market participants.
Details: The suggestions, which could be taken without congressional action, include:
Ending the tri-merge credit reporting requirement and allowing a single-file framework for loans sold to Fannie Mae and Freddie Mac.
Responsibly reducing mortgage insurance premiums for HUD/FHA loans.
Reducing loan-level price adjustments across the board and eliminating them for rate/term refinances.
Implementing broad regulatory modernization to limit overlapping and highly complex regulations that have driven up mortgage costs.
Subscribe now
Sign up for the Independent Banker newsletter to receive twice-monthly emails about new issues and must-read content you might have missed.
Sponsored Content
Featured Webinars
Join ICBA Community
Interested in discussing this and other topics? Network with and learn from your peers with the app designed for community bankers.
Subscribe Today
Sign up for Independent Banker eNews to receive twice-monthly emails that alert you when a new issue drops and highlight must-read content you might have missed.
News Watch Today
Join the Conversation with ICBA Community
ICBA Community is an online platform led by community bankers to foster connections, collaborations, and discussions on industry news, best practices, and regulations, while promoting networking, mentorship, and member feedback to guide future initiatives.
Join the Community Example Text
