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

• Enterprise Duty to Serve Underserved Markets Amendments (RIN 2590-AB64) (7/24/2026)
• NCST Statement for the Record on House Financial Services Hearing to Increase Supply (12/7/2025)
• NCST Response to FHA ML 2025-13 on CWCOT (5/30/2025)
• NCST Statement for the Record on Increasing Housing Supply (3/4/2025) 
• NCST and the Homeownership Alliance’s Response to HUD’s RFI on Resilience Measures and Insurance Coverage (2/28/2025)
• NCST and Homeownership Alliance Submission to the House Ways & Means Committee Tax Team on Tax Legislation Supporting Homeownership (10/15/2024)
• NCST Response to FHA’s Proposed Rule on its Single Family Sale Program (9/16/2024)
• NCST and the Homeownership Alliance response to FHFA’s RFI on FHLBanks AHP Competitive Application Process (8/19/2024)
• Comment letter: Request for Input Fannie Mae and Freddie Mac Proposed 2025-2027 Duty to Serve Plans (8/12/2024)
• Comment letter: Response to FHFA RFI on FHL Bank Mission and Metrics (7/15/2024)
• Statement for the Record: House Financial Services Subcommittee on Housing and Insurance, 3/20/2024 Hearing on “The Characteristics and Challenges of Today’s Homebuyers” 
• Comment Letter: Response to HUD’s NPRM on CDBG and Section 108 Programs (3/11/2024)
• 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 (9/26/2022)
• Joint Letter: Letter to FHFA, FHA, CFPB, VA, and USDA on Communicating with Delinquent Borrowers with Home Equity (8/31/2022)
• Comment Letter: Comment to the Federal Housing Administration on CWCOT First Look (ML 2022-08) (6/3/2022)
• Joint Statement: Advocates Applaud FHFA Move to Require Mortgage Lenders to Obtain Applicants’ Language Preference (5/3/2022)
• Joint Letter: Feedback to the Federal Housing Administration on Mortgage Letter 2022-06 (4/25/2022)
• Joint Letter: Letter to FHFA Encouraging Leadership on Language Access (1/12/2022)
• Comment Letter: Comment to the Consumer Financial Protection Bureau on Section 1071 Small Business Lending Data Collection (1/6/2022)
• Joint Comment: Comment to FHFA on the Proposed Rule to Amend the Enterprise Regulatory Capital Framework – Prescribed Leverage Buffer Amount and Credit Risk Transfer (11/26/2022)
• Joint Comment: Comment to the Federal Housing Finance Agency on 2022-2024 Enterprise Housing Goals Advance Notice of Proposed Rulemaking (10/25/2022)
• Comment Letter: Comment to the Federal Housing Finance Agency on the Enterprise Equitable Housing Finance Plans Request for Input (10/25/2022)
• 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 Letter: Letter to President-Elect Biden on Foreclosure Prevention in the Stimulus (1/17/2021)
• Joint Letter: Comment 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.

• Comment to the OCC, FDIC, and Federal Reserve on the 2022 Community Reinvestment Act Notice of Proposed Rulemaking: NCST and Homeownership Alliance Comment (8/5/2022)
• Comment to the Federal Housing Finance Agency on 2022-2024 Enterprise Housing Goals Advance Notice of Proposed Rulemaking: Joint Comment Letter with Center for Responsible Lending and Americans for Financial Reform Education Fund (10/25/2021)
• Enterprise Equitable Housing Finance Plans Request for Input: NCST Comment (10/24/2021)
• Consumer Financial Protection Bureau RFI: Protections for Borrowers Affected by the COVID-19 Emergency Under RESPA: Joint Comment Letter with the Center for Responsible Lending (5/10/2021)
• Consumer Financial Protection Bureau Request for Information: Equal Credit Opportunity Act and Regulation B: Joint Comment Letter with Americans for Financial Reform (12/1/2020)
• Testimony before the Federal Housing Finance Agency By Kristin Siglin on Duty to Serve: NCST Comment (10/21/20)
• Qualified Mortgage Definition under the Truth-in-Lending Act (Regulation Z): General QM Loan Definition: NCST Comment (9/8/2020)
• RE: Seasoned QM Loan Definition: NCST Comment (9/3/2020)
• RE: FHFA’s Enterprise Regulatory Capital Framework NPRM: NCST Comment (8/10/2020)
• NCST opposes the proposed changes to the Community Reinvestment Act (CRA) regulations published in the January 9, 2020, Federal Register: NCST Comment (4/8/2020)
• RE: Affirmatively Furthering Fair Housing Proposed Rule, Docket No. FR-6123-P-02: NCST Comment (3/12/2020)
• Proposed Claims Without Conveyance of Title Program Enhancements Posted on Drafting
  Table for Public Feedback: NCST Comment (3/6/2020)
• Notice of White House Council on Eliminating Regulatory Barriers to Affordable Housing; Request for Information: NCST Comment (1/31/2020)
• Testimony before the Federal Housing Finance Agency By Kristin Siglin on Duty to Serve: NCST Comment (12/2/2019)
• Notice of HUD Proposed Rulemaking Regarding FHA Single Family Loan Sale Program: NCST Comment (7/15/2019)

• Proposed IRS Regulation on Qualified Opportunity Funds: NCST Comment (7/1/2019)

• Review of HUD Housing Policy in Opportunity Zones: NCST Comment (6/17/2019)

• Coalition Comment on Opportunity Zone Data: NCST Comment (5/31/2019)

• Fannie Mae Duty to Serve Plan Modification RFI: NCST Comment (11/2/2018)
• FHFA Strategic Plan 2018-2020: NCST Comment (10/27/2017)
• FHFA Affordable Housing Goals 2018-2020: Coalition comment letter
• Sign on organizations: Prosperity Now (formerly CFED) and National Consumer Law Center (9/5/2017)
• HUD Regulatory Reform: NCST Comment (7/31/2017)
• FHFA Duty to Serve – GSE Proposed Underserved Markets Plans: NCST Comment
• Sign on organization: Center for Community Progress (7/10/2017)
• FHFA Duty to Serve Rule: Coalition Comment
• Sign on organizations: Prosperity Now (formerly CFED), Center for Community Progress, and Housing Partnership Network (3/17/2016)