BAC’s Annual Advocacy in Action Fly-In Brings Unified Broker Voice to Capitol Hill
200+ mortgage brokers and industry professionals meet with lawmakers on rising credit report costs and key housing policy issues
WASHINGTON, D.C. (May 12, 2026) — The Broker Action Coalition (BAC), in partnership with the National Association of Mortgage Brokers (NAMB), brought a powerful, unified message to Capitol Hill this April during the 2026 Advocacy in Action: Better Together Fly-In.
From April 20–22, more than 200 mortgage brokers and industry professionals from across the country gathered in Washington, D.C. to learn and share firsthand perspectives with lawmakers on the realities facing brokers and homebuyers.
This year marked a defining moment for the event, as two leading industry organizations came together under one vision. Together, they delivered a stronger, more coordinated voice for brokers and the consumers they serve.
A Unified Message: Reducing the Cost of Credit Reports
During “Hill Day,” BAC advocates fanned out across Capitol Hill, holding 81 meetings with congressional offices to share personal insights drawn from their day-to-day work with borrowers. These meetings spanned the House and Senate, engaging bipartisan offices representing 22 states and Washington, D.C.
A central focus of these conversations was the growing burden of credit report costs—an issue that continues to impact affordability and limit consumers’ ability to shop for the best loan options.
Attendees introduced policymakers to practical, market-driven solutions, including the concept of a portable credit report. Under this model, borrowers could reuse a single, verified credit report across multiple mortgage companies while comparing loan options.
“A portable credit report is a simple, common-sense solution,” said Brendan McKay, BAC Chief Advocacy Officer. “At a time when affordability is already stretched, borrowers should not face repeated upfront costs just to shop for a mortgage. This is about lowering upfront costs, reducing barriers to entry, and expanding access to the American dream of homeownership.”
The message resonated with lawmakers and staff, with many offices engaging on the issue and expressing interest in solutions that better serve consumers and small business mortgage professionals.
A Powerful Agenda That Set the Stage for Action
The agenda brought together industry leaders, policymakers, and advocacy partners from across the housing and mortgage ecosystem.
Sessions focused on key issues shaping today’s market, including credit scoring models, appraisals, affordable housing, and the evolving regulatory landscape. Speakers included Rep. Emanuel Cleaver (D-MO), Rep. Mike Flood (R-NE), and Rep. Mark Takano (D-CA), alongside senior officials from HUD, representatives from Fannie Mae and Freddie Mac, and staff from the U.S. Senate Banking Committee.
A highlight of the day was remarks from HUD Secretary Scott Turner, whose perspective on housing policy and affordability was particularly well received by attendees.
The day concluded with a joint reception supporting Broker Action Coalition PAC (BACPAC) and National Association of Mortgage Brokers PAC (NAMBPAC), reinforcing the importance of sustained investment in advocacy efforts.
“We had the right voices in the room—from industry leaders to policymakers shaping housing policy,” said Rachel Clark, BAC Executive Director. “The brokers who attended this year brought real insight from their communities and a clear commitment to advocacy. They showed up strong in their meetings on Capitol Hill, and they will continue to be a powerful voice for positive change for broker small businesses and homeowners.”
Successful Event Made Possible by Partners & Supporters
The BAC’s ability to advocate at this level is made possible thanks to the commitment of its corporate donors and individual contributors. Their support ensures that independent mortgage brokers have a strong, unified voice in the conversations shaping housing policy.
The BAC is proud to announce new corporate donors:
eLEND
LendingTree
Broker Insights Group
The BAC is grateful to its returning supporters for their continued investment in broker-led advocacy:
The Loan Store
Rocket Pro
PENNYMAC TPO
PRMG
EPM
Newfi Wholesale
Gold Star Wholesale
Rising credit report costs have quickly become one of the most significant challenges facing independent mortgage brokers and the borrowers they serve. The BAC will continue working to elevate this issue and advance practical solutions that reduce barriers, protect borrower choice, and strengthen the broker channel.
About the Broker Action Coalition
The Broker Action Coalition (BAC) is the grassroots advocacy channel uniting mortgage brokers and their supporters to fight for broker and homebuyer rights nationwide. The BAC aims to level the playing field between independent mortgage brokers and retail banks, to support inclusive homebuying policy change, and to fight for the needs of Veterans, minorities, and underserved communities to make the American dream of homeownership possible for more people than ever before. For more information or to support our advocacy efforts, visit https://www.brokeractioncoalition.com/.
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For media inquiries, please contact:
Name: Rachel Clark
Executive Director, Broker Action Coalition