National Housing Conference

As regulators decide on the latest round of capital standards for banks, known as Basel III, one important element under consideration is what credit should be given for mortgage insurance. Private Mortgage Insurance (PMI) is a key part of the risk curve, which ensures that when a borrower defaults on their loan, the losses are absorbed in a logical, sequential, and predictab...

The Office of the Comptroller of the Currency (OCC) and the Federal Deposit Insurance Corporation (FDIC) have proposed sweeping changes to the Community Reinvestment Act (CRA) that would weaken support for affordable housing, reduce private-sector investment in underserved communities, and jeopardize funding for nonprofit organizations serving urban, rural, and small-city mar...

At the National Housing Conference (NHC), we believe housing is the foundation of economic security. That principle was at the center of a recent webinar, “Celebrating 250: Life, Liberty, and the Pursuit of Homeownership”, hosted by NHC in partnership with NeighborWorks® America, which explored how housing counseling, financial education, and cross-sector partnerships can exp...