2026 Advocacy Priorities
The Broker Action Coalition (BAC) champions policies that strengthen the wholesale mortgage channel and protect homebuyers. We believe what’s good for independent mortgage brokers is good for consumers—driving fairness, access, and affordability in housing.
Federal Priorities
LEGISLATIVE
Lead Initiative:
H.R. 5508 - The Mortgage Insurance Freedom Act
Support Initiatives:
H.R. 3694 / S. 1932 - VALID Act
H.R. 2362 / S. 138 - VA Home Loan Awareness Act
REGULATORY
Lead Initiatives:
LO Comp Reform
GSE Reform
Credit Report Pricing Reduction, Transparency & Oversight
TPO Surcharge
Support Initiatives:
VA 1% Non-Allowable Fees Calculation (BPC)
Fannie/Freddie/FHA Condo Approval Guidelines
Engagement with Bureau on topical issues
Builder Steering
INDUSTRY
Lead Initiatives:
End the Ultimatum
Language Access in Homeownership
Support Initiatives:
Rental History AUS Implementation
State Priorities
Lead Initiatives:
Disabled Veteran Tax Exemption
Texas Cash Out Reform
LEGISLATIVE
REGULATORY
Lead Initiatives:
DPA Program Access
Support Initiatives:
Broker Licensing Fees
Oregon and Washington Licensing Reform
INDUSTRY
Lead Initiatives:
Relationships with State Associations
Support Initiatives:
Broker relationships with Local Banks & Credit Unions
Ready to turn priorities into progress?
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