2025 Advocacy Priorities

The Broker Action Coalition (BAC) is committed to advocating for the betterment of the Wholesale Channel and the American consumer, which are wholly aligned. What is best for the Mortgage Broker is best for the consumer, and our Advocacy priorities reflect this reality. 

Federal Priorities

LEGISLATIVE

Tier 1

  • Trigger Lead Legislation

Tier 2:

  • Meeks Bill - FHA MI Bill

Tier 3:

  • Legislation relating to Institutional Investor ownership of residential real estate

  • Housing Legislation Package

REGULATORY

Tier 1:

  • TPO Surcharge

  • CFPB Reform/LO Comp

Tier 2:

  • APR Calculation Reform

  • VA 1% Non-Allowable Fees Calculation (BPC)

Tier 3:

  • Broker Access to Ask Poli

  • Builder Steering

INDUSTRY

Tier 1:

  • Broker/Lender Relations Guidance

  • Foreign Language Disclosure Access

Tier 2:

  • Rental History AUS Implementation

State Priorities

Tier 1

  • Disabled Veteran Tax Exemption

  • Texas Cash Out Reform

Tier 2:

  • Licensing Reform

LEGISLATIVE

REGULATORY

Tier 1:

  • DPA Program Access

Tier 2:

  • Broker Licensing Fees

INDUSTRY

Tier 1:

  • Relationships with State Associations

Tier 2:

  • Relationships with Local Banks & Credit Unions