The organizations play a critical role in our economy, providing affordable single family mortgage loans to enable homeownership, writes the Executive Director of the Community Home Lenders of America

Two former staff members for the House Financial Services Committee at the time when the Housing and Economic Recovery Act legislation was developed and adopted reflect on its impact.

Some of the points in last week's Financial Stability Oversight Council report on mortgage servicing overstate potential risk posed by IMBs, writes the Executive Director of the Community Home Lenders of America.

The executive director of the Community Home Lenders of America games out the best-case scenario for independent mortgage banks in the year ahead.

Policymakers are all too quick to categorize IMBs as financially risky institutions; making them easy targets for stricter - and unnecessary - federal oversight and regulatory efforts, Stevens and Olson argue.

Should the Federal Reserve step back into the market and restart their loan purchase activity?

The enterprises should offer an indemnification in lieu of the practice of a repurchase demand for all performing loans, writes the Executive Director of Community Home Lenders of America.

The Consumer Financial Protection Bureau's two new proposed rules make sense for most non-banks but applying them to independent mortgage banks is redundant, writes the head of the Community Home Lenders of America.

The way the Federal Housing Administration is funded and constrained by laws, rules and other operational limitations is analogous to the FHA living in the horse-and-buggy era in an age when we are starting to see driverless cars, writes the executive director of the Community Home Lenders Association.

Moving towards bank-like capital standards for all independent mortgage banks that sell loans to Fannie Mae and Freddie Mac could limit consumer access to mortgage credit, writes Community Home Lenders Association executive director Scott Olson.