PROTECTING COMMUNITIES

PROTECTING COMMUNITIES

We are pleased to share joint letters, comment letters, and rulemaking comments in which one of our team members served as an author or as a signee. This is another way we serve as a voice for affordable single-family homeownership, and the mission-focused developers working to return properties to productive use.

In policy letters, our housing and community development experts weigh in on how lawmakers can have a positive impact on families and homeownership.

  • Comment Letter: Response to FHA Draft Mortgagee Letter on 203(k) Program
  • Comment Letter: Fannie Mae and Freddie Mac Single-family Mortgage Pricing Framework (8/14/2023)
  • Comment Letter: Response to FHA on improving the 203(k) Program (3/31/2023)
  • Joint Letter: FHA and Ginnie Mae Title I Manufactured Housing Programs Request for Input Response (9/26/22)
  • Joint Letter: Letter to FHFA, FHA, CFPB, VA, and USDA on Communicating with Delinquent Borrowers with Home Equity (8/31/22)
  • Comment Letter: Comment to the Federal Housing Administration on CWCOT First Look (ML 2022-08) (6/3/22)
  • Joint Statement: Advocates Applaud FHFA Move to Require Mortgage Lenders to Obtain Applicants’ Language Preference (5/3/22)
  • Joint Letter: Feedback to the Federal Housing Administration on Mortgage Letter 2022-06 (4/25/22)
  • Joint Letter: Letter to FHFA Encouraging Leadership on Language Access (1/12/22)
  • Comment Letter: Comment to the Consumer Financial Protection Bureau on Section 1071 Small Business Lending Data Collection (1/6/22)
  • Joint CommentComment to FHFA on the Proposed Rule to Amend the Enterprise Regulatory Capital Framework – Prescribed Leverage Buffer Amount and Credit Risk Transfer (11/26)
  • Joint Comment: Comment to the Federal Housing Finance Agency on 2022-2024 Enterprise Housing Goals Advance Notice of Proposed Rulemaking (10/25)
  • Comment Letter: Comment to the Federal Housing Finance Agency on the Enterprise Equitable Housing Finance Plans Request for Input (10/25)
  • Joint Letter: The Underserved Mortgage Markets Coalition Appeal for Meaningful GSE Duty-to Serve Plans (10/21)
  • Joint Letter: Cross-Industry Sign on Letter Infrastructure (8/25)
  • NCST Comment Letter to Federal Housing Finance Agency: Request for Input on Fannie Mae and Freddie Mac Proposed 2022-2024 Duty to Serve Plans (7/16)
  • Statement before FHFA Duty to Serve Listening Session (7/13)
  • Joint Letter: Office of Management and Budget RFI on Methods and Leading Practices for Advancing Equity and Support for Underserved Communities Through Government (7/6)
  • NCST Statement: FHFA Listening Session on Closing the Gap to Sustainable Homeownership (6/29)
  • Statement for the Record: House Financial Service Committee Hearing on “Justice for All: Achieving Racial Equity through Fair Access to Housing and Financial Services” (3/17)
  • Joint Letter: Support for Legislation on Data Acquisition and Language Access in Mortgage Servicing (3/9)
  • NCST Comment Letter to Federal Housing Finance Agency: Request for Information on Appraisal-Related Policies, Practices, and Processes (2/26/2021)
  • NCST Comment Letter to Federal Reserve: Advanced Notice of Proposed Rulemaking on the Community Reinvestment Act (2/6/2021)
  • Joint Release:  Advocates Applaud Senate Bill Fund to Help Millions of Families Keep Their Homes; Urge Inclusion in COVID Stimulus Bill (2/5/2021)
  • Joint LetterLetter to President-Elect Biden on Foreclosure Prevention in the Stimulus (1/17/2021)
  • Joint LetterComment to the Veterans Administration on Partial Claim Proposal (1/8/2021)
  • Joint Letter: Comment to the Federal Housing Finance Agency on Enterprise Regulatory Capital Framework (8/31)
  • Joint Letter: Letter to the Consumer Financial Protection Bureau Re: Language Access Roundtable Discussion (8/24)
  • Joint Letter: FHA & FHFA Forbearance Letter (6/24)
  • NCST Letter to the Federal Reserve: Expanding the Federal Reserve Main Street Lending Program to Nonprofits (6/22)
  • Joint Letter: Emergency Rental Assistance and Rental Market Stabilization Act (5/6)
  • Joint Request: Single Consumer-facing Portal on COVID Housing Relief (5/4)
  • Joint Letter: Housing Industry Coalition Letter in Support of Rental Assistance (5/4)
  • Joint Letter: Letter to Housing Regulators on Tenant Protections in CARES Act (5/1)
  • Joint Letter: Renewed Call for Credit and Debt Protections in COVID-19 Relief (5/1)
  • Joint Letter: Civil Rights, Consumer, Housing, and Real Estate Groups Urge U.S Treasury and Federal Regulators to Help Mortgage Servicers Maintain Liquidity (4/17)
  • Joint Letter: HUD Must Do Much More to Protect Older Reverse Mortgage Borrowers in the Coronavirus Epidemic (3/24/20)
  • NCST Letter to the OCC, FDIC, and Federal Reserve on “Joint Statement on CRA Consideration for Activities in Response to COVID-19” CRA Activities and Need to Halt Rulemaking (3/23/20)
  • Joint Letter: 63 Organizations Call for Credit and Debt Protections to Address Financial Distress from COVID-19 (3/23/20)
  • Joint Letter to Regulatory Agencies Requesting Extension of Public Comment Periods (3/20/20)

When agencies make regulatory proposals relevant to housing and homeownership, NCST leadership and policy experts submit rulemaking comments to influence regulations on behalf of families.

Support Requests 


Please reach out if your organization is seeking support for a publication or comment letter:


Elisabeth Coats, Director – Homeownership Alliance

[email protected]


Emme McClintock, Policy Analyst

[email protected]