NAR Letters to Federal Agencies
The following is a list of letters NAR sent to federal agencies to comment on regulations and programs affecting the housing market:
NAR Letter to House Committee on Small Business in Response to Hearing "Lifting the Weight of Regulations: Growing Jobs by Reducing Regulatory Burdens" - 06/15/11 (PDF: 348K)
Joint Trade Association Letter to FASB and IASB on Leases and Exposure Draft - 05/26/2011 (PDF: 122K)
Coalition Letter Letter to the Treasury, HUD, Federal Reserve Board, and FDIC Requesting an Extension of the QRM Comment Deadline - 05/13/2011 (PDF: 18K)
Coalition Letter to HUD Recommending Enhancements to the FHA Condominium Mortgage Approval Process - 05/06/2011 (PDF: 209KB)
NAR Comments to the Federal Reserve Board Supporting Its Proposed Rule to Amend Certain Adverse Action Model Notices in Regulation B - 04/14/2011 (PDF: 106K)
NAR Letter to the FHFA Supporting the Proposed rule RIN 2590-AA41 on the Use of Private Transfer Fees for the Federal Home Loan Banks (FHLBs) and Government Sponsored Enterprises (GSEs) - 04/07/11 (PDF: 108K)
NAR Letter to U.S. Department of Labor on Expanding Definition of "Fiduciary" to include Real Estate Appraisers - 01/20/2011 (PDF: 245K)
Coalition Letter to Financial Regulators Urging them to Create a Broad QRM Exception to Risk Retention in Mortgage Securitizations - 01/11/2011 (PDF: 75K)
NAR Letter to FHA on MMIF Loans, Condominium Standards, and Proposed Changes to Seller Concessions - 01/04/2011 (PDF: 108K)
NAR Comment Letter to the Federal Reserve Board's Interim Final Rule on Appraisal Independence - 12/27/2010 (PDF: 130K)
NAR Letter to HUD on Proposed Rule that Submits the Regulations that will Govern the Housing Trust Fund as Created by the Housing and Economic Recovery Act of 2008 - 12/27/2010 (PDF: 111KB)
NAR Letter to Federal Agencies Expressing NAR's Concerns Regarding the Impending Rule-making on the "Qualified Residential Mortgage" (QRM) under Section 941 of the Dodd-Frank Wall Street Reform and Consumer Protection Act - 12/01/2010 (PDF: 228K)
NAR Comment Letter to the Financial Accounting Standards Board on FASB's Exposure Draft: Leases (the "ED")- 12/01/2010 (PDF: 251K)
NAR Letter to the National Commission on Fiscal Responsibility and Reform on Their Latest Draft Recommending Changes to the Mortgage Interest Deduction (MID) - 11/16/2010 (PDF: 167K)
NAR Letter to FTC Requesting that Real Estate Agents and Brokers be Exempted as Covered Individuals under Mortgage Acts and Practices (MAP) - Advertising Rule (Proposed Rule) - 11/15/2010 (PDF: 113K)
NAR Letter to U.S. Department of Housing Requesting Enhancements to the Condominium Approval Process - 11/1/2010 (PDF: 130KB)
Coalition Comment Letter Submitted to the G-20 Meeting Regarding the Lease Accounting Project ("Lease Accounting")Scheduled for Completion by June, 2011 - 10/21/2010 (PDF: 63K)
NAR Comments on FHFA's Proposed Guidance on the Use of Private Transfer Fees for the Federal Home Loan Banks (FHLBs) and the Government Sponsored Enterprises (GSEs) Fannie Mae and Freddie Mac - 10/15/2010 (PDF: 96K)
NAR Comments to Federal Reserve Board on the Implementation of the Appraisal Provisions of Public Law 111-203, the Dodd-Frank Wall Street Reform and Consumer Protection Act (HR 4173) - 10/14/2010 (PDF: 110K)
NAR Letter to the U.S. Department of Agriculture Urging the Rural Housing Service to Immediately Restore the Section 502 Rural Housing Guaranteed Loan Program - 10/13/2010 (PDF: 93K)
NAR Letter to Treasury, HUD, and FHFA about Deficiencies in the Foreclosure Process by some Mortgage Servicers in Violation of State Law - 10/12/2010 (PDF: 177K)
NAR Comment Letter to the U.S. Department of Health and Human Services Regarding Exchange-Related Provisions in Title I of the Patient Protection and Affordable Care Act - 10/04/2010 (PDF: 138K)
NAR Comment Letter to the Financial Accounting Standards Board's Exposure Draft: Accounting for Financial Instruments and Revisions to the Accounting for Derivative Instruments and Hedging Activities (the ED) - 09/24/2010 (PDF: 170KB)
NAR Comment Letter to the Secretary of the Board of Governors of the Federal Reserve System on Potential Revisions to Regulation C, which Implements the Home Mortgage Disclosure Act (HMDA) - 09/22/2010 (PDF: 92K)
NAR Comment Letter to HUD on Advanced Notice of Proposed Rulemaking: Strengthening and Clarifying RESPA's "Required Use" Prohibition - 08/25/2010 (PDF: 140K)
NAR Comment Letter to HUD on Proposed Rule for Reduction of Seller Concessions and New Loan-to-Value and Credit Score Requirements - 08/16/2010 (PDF: 88K)
NAR Letter to Tom Vilsack, Secretary of Agriculture, Asking Him to Restore the Section 502 Rural Housing Guaranteed Loan Program under Rural Housing Services - 08/13/2010 (PDF: 93K)
NAR Letter to Secretary Geithner Urging the Reduction of the Dividend Rate on Senior Preferred Stock Issued to Treasury Department in Exchange for Contributing Capital to GSEs to Assure That They Maintain a Positive Net Worth - 08/13/2010 (PDF: 162K)
NAR Comment Letter to HUD on RESPA Home Warranty Interpretive Rule - 07/22/2010 (PDF: 242K)
NAR Comment Letter to the Treasury Department on the Reformation of the U.S. Housing Finance System - 07/20/2010 (PDF: 236K)
NAR Letter to the U.S. Department of Energy in Response to the Recent Request For Information Published in the Federal Register on a Proposed National Energy Rating Program for Homes - 07/10/2010 (PDF: 192K)
Coalition Letter to EPA on ANPRM Renovation Repair and Painting Program for Commercial and Public Buildings - 07/6/2010 (PDF: 117K)
FHFA Response to NAR's April 06 Letter Requiring the GSEs to Implement the Independent Valuation Protection Institute (IVPI) - 04/20/2010 (PDF:58K)
Comments Submitted to the Basel Committee on Bank Liquidity - 04/15/2010 (PDF: 165K)
Comments Submitted to the Basel Committee on Bank Capital - 04/15/2010 (PDF: 164K)
NAR Comments on FHFA's Proposed Rule to Set GSE Goals for 2010 and 2011 - 04/12/2010 (PDF: 180K)
NAR Letter to FHFA Requiring the GSEs to Implement the Independent Valuation Protection Institute (IVPI) - 4/6/2010 (PDF: 106K)
NAR Comments on FTC's Notice of Proposed Rulemaking Regarding Mortgage Assistance Relief Services (MARS) - 3/29/2010 (PDF: 121K)
Joint Letter to FHA Commissioner on Private Transfer Fees - 3/23/2010 (PDF: 33K)
NAR Submits Letter to HUD Regarding its "Limited Denial of Participation "(LDP) list or GSA's List of "Parties Excluded from Federal Procurement or Non-procurement Programs" - 3/16/2010 (PDF: 217KB)
NAR Responds to Treasury's Use of BPOs in HAFA Program - 3/12/10 (PDF: 92K)
Federal Reserve's Response to Jan. 29 Letter from Congress on the Current Conditions of Credit Accessibility to the Commercial Real Estate Market(CRE) - 02/25/2010 (PDF: 194K)
NAR Comments on HUD's SAFE Act Proposed Rule - 02/12/2010 (PDF: 125KB)
Letter from Members of Congress to Tim Geithner and Ben Bernanke on the Current Conditions of Credit Accessibility to the Commercial Real Estate Market (CRE) - 01/29/2010 (PDF: 1.5M)
NAR Comments on FCC’s Notice of Proposed Rulemaking entitled “Preserving the Open Internet” and “Broadband Industry Practices.” (PDF: 129K) - 01/14/2010
NAR Comments on TILA Proposed Rule to Improve Disclosures (PDF: 285K) - 12/23/2009
NAR Letter to the Council on Environmental Quality Regarding the Proposed Recovery Through Retrofit Program (PDF: 189K) - 12/16/2009
Fed Response to NAR's October 15, 2009 Letter Urging Caution in Unwinding the Fed MBS Purchase Program (PDF: 315K) - 11/09/2009
NAR Letter to the White House and Federal Agencies Regarding the Recovery Through Retrofit Program (PDF: 106K) - 11/02/2009
Joint Letter to the Treasury Secretary, HUD Secretary, and Chair of National Economic Council, Requesting Support for the Extension of the First-Time Homebuyer Tax Credit (PDF: 45K) - 10/19/2009
NAR Letter to the Fed, Treasury, and FHFA Urging Caution in Unwinding the Fed MBS Program To Purchase 1.25 Trillion of GSE Mortgage Backed Securities (PDF: 162K) - 10/15/2009
NAR comments on FHFA Interim Final Rule to Expand the FHLB Refinancing Authority under the Affordable Housing Program (PDF: 134K) - 10/05/2009
Fed Writes HUD Removing Conflict between FHA and TILA (PDF: 133K) - 09/29/2009
NAR Letter to Chairman Bernanke Requesting the Fed to Delay Enforcement of Prepayment Restrictions That Would Prevent Lenders from Making High-Priced FHA Mortgage Loans (PDF: 88K) - 09/25/2009
NAR Letter to FHA's Commissioner Dave Stevens on Amendments to the Federal Reserve's Regulation Z (PDF: 233K) - 09/24/2009
NAR Submits Letter to David Stevens Recommending Enhancements to FHA Appraisal Rules (PDF: 508K) - 09/15/2009
NAR Submits Comments to FCC on "Defining Broadband" in FCC's Ongoing Development of a National Broadband Plan for U.S. (PDF: 127K) - 09/08/2009
NAR Asks FHA to Simplify Process for Approving New Products and Activities (PDF: 150K) - 08/28/2009
ANPR Regarding Anti-Money Laundering Program Requirements for "Non-Bank Residential Mortgage Lenders and Originators" (PDF: 374K) - 08/20/2009
NAR Letter to David Stevens, To Request the Federal Housing Administration’s (FHA) Requirement of Two Appraisals in Certain Circumstances Be Rescinded (PDF: 130K) - 08/14/2009
NAR Letter to David Stevens, FHA Commissioner, Requesting a Meeting with HUD Officials To Discuss Appropriate Guidance from HUD on Administrative Brokerage Commission Fees & Home Warranty Products (PDF: 139K) - 08/13/2009
SBA's Response to NAR's Inquiry Regarding the Eligibility of Real Estate Agents for Financial Assistance from SBA (PDF: 178K) - 08/5/2009
NAR Applauds FHFA for Its Efforts To Address Misinformation Surrounding HVCC but Disagrees It Is dealing with the Controversy Surrounding the Appraisal Process (PDF: 145K) - 08/04/2009
NAR Calls for Enhancements to Mortgagee Letter on Condominiums (PDF: 148K) - 07/31/2009
NAR's comments to the Federal Trade Commission on their Advance Notice of Proposed Rulemaking to prevent unfair or deceptive practices with respect to mortgage lending activities engaged in by non-bank financial companies (PDF: 173K) - 07/30/2009
NAR Asks Treasury and HUD to Urge Servicers to Participate in the Obama Administration's Upcoming Short Sales Program (141K PDF) - 07/24/2009
NAR Submits Comments to the FTC Regarding the Proposed Rule on Mortgage Assistance Relief Services - (335K PDF) 07/15/2009
NAR Submits Comments to the Small Business Administration Concerning the Business Loan Program and Temporary Eliminations/Reductions Under the American Recovery and Reinvestment Act of 2009 (PDF: 188K) - 07/08/2009
NAR Letter to EPA on Proposed Endangerment and Cause and Contribute Findings for Greenhouse Gases Under Section 202(a) of the Clean Air Act - Docket ID# EPA-HQ-OAR-2009-0171 (PDF: 196K) - 06/23/2009
NAR Letter to FHFA Director Lockhart and NY State Attorney General Cuomo requesting an 18-month moratorium on the HVCC. (PDF: 136K) - 06/22/2009
Letter asking the Secretary of Veterans Affairs to permit the monetization of the first-time homebuyers tax credit for veterans (141K PDF) - 06/04/2009
NAR comments supporting the FHFA proposed rule to reduce the 2009 affordable housing goals for Fannie Mae and Freddie Mac (150K PDF) - 05/22/2009
Letter to Fannie Mae Requesting One Year Delay in Implementation of the Home Valuation Code of Conduct (110K PDF) - 04/20/2009
Letter to Freddie Mac Requesting One Year Delay in Implementation of the Home Valuation Code of Conduct (110K PDF) - 04/20/2009
NAR Letter to IRS Commissioner Asking IRS To Help States Make Credit Available at Closing (PDF: 92K) - 04/15/2009
Letter to Secretary Geithner, Chairman Bernanke, and Chairman Bair urging them to require use of local residential and commercial REALTORS® in connection with the Public-Private Investment Program (118K PDF) - 04/9/2009
Letter to HUD Regarding the Real Estate Settlement Procedures Act's (RESPA) Definition of "Required Use" (147K PDF) - 04/08/2009
NAR Letter Commending the Federal Accounting Standards Board (FASB) for Its Release of Guidelines for Problems Associated with the Application of Fair Value Accounting (PDF: 160K) - 03/31/2009
Letter to Treasury, the Fed, FHFA, and FDIC asking them to take action to restore affordable credit at the retail level (163K PDF) - 3/30/2009
NAR Letter to HUD on Monetizing the Tax Credit (PDF: 134K) - 3/20/2009
NAR Letter to HUD on Electronic Signatures (PDF: 127K) - 3/20/2009
FHFA's Response to our January 2, 2009 Letter Regarding Increased Fees Announced by Fannie Mae and Freddie Mac at the end of 2008 (PDF: 37K) - 2/19/2009
Letter to the Federal Reserve Board Supporting Proposed Rule Improving Consumer Disclosures under the Truth in Lending Act (TILA) (118K PDF) - 02/09/2009
Letter to Treasury Secretary Geithner Raising Concerns about TARP and Communicating NAR's Housing Stimulus Plan (158K PDF) - 01/27/2009
Letter to Assistant Secretary for Housing, Urging HUD to Minimize the Impacts of Environmental Assessments on Condominium Projects (123K PDF) - 01/26/2009
Letter to Director Lockhart Raising Concerns about the Fannie Mae Fee Increase (121K PDF) - 01/02/2009
Letter to Secretary Paulson, Chairman Bernanke, and Director Lockhart Welcoming Lower Rates and Urging Further Action (79K PDF) - 12/18/2008
Letter to Federal Housing Finance Board (FHFB) Supporting Proposal to Temporarily Modify the Affordable Housing Program (62 K PDF) - 12/15/2008
Letter to FHFA Director Lockhart Urging Support for 4.5% Mortgage Buy Down Program (89K PDF) - 12/15/2008
Letter to HUD Urging Restoration of Appeals Process to Allow for Ongoing Challenges to Mortgage Limits (138 K PDF) - 12/02/2008
Letter to EPA Urging the Agency not to Move Forward with the Proposed Rule that would Regulate Greenhouse Gas Emissions under the Clean Air Act (180K PDF) - 11/28/2008
Letter to HUD Requesting Enhancements to 203k Program that will Allow Investors to Participate if Purchasing Foreclosed Homes (138K PDF) - 11/25/2008
Letter to Federal Reserve Board Chairman Bernanke Raising Concerns about Mixing Banking and Commerce if GMAC Becomes a Bank Holding Company (93K PDF) - 11/21/2008
Letter to FHFA Director Lockhart Requesting Reform of the Owner-Occupancy Rules for Condominiums (132K PDF) - 10/28/2008
Letter to HUD Secretary Preston Requesting Reform of the Owner-Occupancy Rules for Condominiums (120K PDF) - 10/28/2008
Federal Banking Regulators' Proposed Rule to Establish Optional Standardized Framework for Determining Bank and Thrift Capital (157K PDF) - 10/27/2008
Letter to Secretary Paulson Asking Him to Take Advantage of Local Commercial and Residential Real Estate Professionals in Implementing TARP (187K PDF) - 10/21/2008
Paulson Letter Urging Action to Reduce Mortgage Interest Rates (82K PDF) - 10/16/2008
Letter to FHFA Director Urging Reexamination of GSE Fees and Underwriting (978K PDF) - 10/1/2008
Joint NAR, CRL, ALTA letter to HUD Secretary Urging Simplification and Improvement of the GFE (878K PDF) - 06/12/2008
HUD's Proposed Rule To Simplify and Improve the Process of Obtaining Mortgages and Reduce Consumer Settlement Costs (626K PDF) - 06/11/2008
Federal Reserve Board Proposed HOEPA Rule to Prevent Abusive Lending (212 K PDF) -04/07/2008
Treasury's Blueprint for Restructuring Regulation of the Financial System; NAR Opposes Recommendation to Allow Mixing Banking and Commerce (125 K PDF) - 04/03/2008
OFHEO Letter on Easing GSE Capital Surcharge (134 K PDF) - 03/19/2008
Federal Communications Commission for Clarifcation that Text Messages And Short Codes Are Subject to the Commission’s Non-Discrimination Rules (113K PDF) - 02/28/2008
Federal Communications Commission on a Petition for Rulemaking to Establish Rules Governing Network Management Practices by Broadband Network Operators (120K PDF) - 02/13/2008
Federal Trade Commission Procedures to Enhance the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies (135K PDF) - 02/11/2008
Industry Coalition Letter to IRS Seeking Changes to REMICs Administration (50K PDF) - 02/07/2008
OFHEO Proposed Guidance on Conforming Loan Limit Calculations (104K PDF) - 11/20/2007
Treasury Department Review of the Regulatory Structure of Financial Institutions (119K PDF File) - 11/09/2007
NAR Support for OTS Rulemaking to Prevent Unfair or Deceptive Acts or Practices (153K PDF file) - 11/05/2007
Federal Banking Agency Proposed Illustrations of Consumer Information for Certain Subprime Mortgage Products (119K PDF File) - 10/15/2007
NAR recommendations for strong Federal Reserve Board rule to prevent abusive mortgage lending (155K PDF File) - 8/14/2007
Joint NAR, MBA, and NAHB Letter to OFHEO Urging Increase in GSE Portfolio Caps (12K PDF File) - 8/13/2007
OFHEO Proposed Guidance on Conforming Loan Limit Calculations (118K PDF File) - 7/19/2007
HUD Final Rule: Standards for Mortgagor's Investment in Mortgage Property (118K PDF File) - 7/17/2007
FDIC Proposed Rule on Oversight of Certain ILC Holding Companies (201K PDF File) - 05/07/2007
Federal Banking Agency Proposed Statement on Subprime Mortgage Lending (146K PDF file) - 05/07/2007
Federal Banking Agency Proposed Rule on Basel-IA Capital Rules for Banks Not Subject to Basel II (135K PDF file) - 03/26/2007
Federal Banking Agency Proposed Rule on Basel-II Capital Rules for the Largest Banks (113K PDF file) - 03/26/2007
Federal Identity Theft Task Force's Interim Recommendation's (95K PDF file) - 01/18/2007
IRS Guidance Regarding Appraisal Requirements for Non-Cash Charitable Contributions (437K PDF file) - 01/17/2007
Federal Banking Agency Proposed Illustrations of Consumer Information for Nontraditional Mortgage Products(138K PDF file) - 12/04/2006
- 10/10/2006
FTC and Banking Regulators Proposed Rules on Identity Theft Red Flags and Address Discrepancy Guidelines (135K PDF file) - 09/15/2006
Office of Pollution Prevention and Toxics' Proposed Renovation, Repair and Painting Program (40 CFR, Part 745) (96K PDF file) - 05/25/2006
Interagency Advance Notice of Proposed Rulemaking To Assure Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies (98K PDF file) - 05/22/2006
President's Working Group on Financial Markets on the Long Term Availability and Affordability of Insurance for Terrorism Risk (117K PDF file) - 04/20/2006
OCC, FDIC, OTS, and the Federal Reserve Proposed Guidance on Commercial Real Estate Lending (122K PDF file) - 04/13/2006
Federal Banking Agency Proposed Guidance on Nontraditional Mortgage Guidance (122K PDF file) - 03/29/2006
FCC Proposed Rule on Junk Fax Prevention Act - Supplementary Letter (256K PDF file) - 02/02/2006
Federal Banking Agency Advance Notice of Proposed Rulemaking on Basel I-A Capital Requirements for Banks (148K PDF file) - 01/18/2006
FCC Proposed Rule on Junk Fax Prevention Act (174K PDF file) - 01/18/2006
FDIC Proposed Rule on Preemption for State Banks (102K PDF file) - 12/13/2005
DOJ-FTC Public Workshop: Competition Policy and the Real Estate Industry (235K PDF file) - 11/28/2005
FCC's Jurisdiction over Interstate Telemarketing (671K PDF file) - 7/29/2005
Concerns of the National Floodmap Coalition on Updating and Modernizing the Flood Maps (108K PDF file) - 7/7/2005
FTC CAN-SPAM Act Rulemaking (183K PDF file) - 6/27/2005
FTC Do-Not-Call Fee Increase (97K PDF file) - 6/1/2005
FHA and the Hybrid Adjustable Rate Mortgage Rules (154K PDF file) - 5/25/2005
Draft 2005 Report to Congress on the Costs and Benefits of Federal Regulation (123K PDF file) - 4/26/2005
HUD's Additional Exceptions to the FHA Flipping Rule (170K PDF file) - 2/22/2005
FHA and the Escrowing of Homeowners and Condo Fees (170K PDF file) - 1/10/2005
FTC Advance Notice of Proposal Rulemaking on Determining Fair and Reasonable Fees for Credit Scores(99K PDF file) - 1/5/2005
FEMA's Pilot Program for Severe Repetitive Loss Properties(179K PDF file) - 11/30/2004
HUD's Proposed Regulations Governing the Disposition of HUD-Owned Properties (144K PDF file) - 11/15/2004
Fed-FTC Study on Investigations of Disputed Consumer Information - 9/17/2004
Comments on the State Petitioning Process for Managing Roadless Areas (85K PDF file)- 9/14/2004
FTC CAN SPAM 'Primary Purpose' Rule - 9/10/04
FTC's Credit and Insurance Scores Study under the FACT Act - 8/16/04
U.S. Fish and Wildlife's Endangered Species Act Regulation - The 'No Surprises' Policy - 7/26/04
FTC's Credit Report Information Disposal Rule (supplemental comment) - 7/22/04
Federal Banking Agencies' Credit Report Information Disposal Rule - 7/22/04
FTC's Affiliate Marketing Rule (214K PDF file)- 7/20/2004
HUD's GSE Affordable Housing Goals Rule - 7/15/2004
EPA's Information Collection Request on Lead-Based Paint Pre-Renovation Information Dissemination Activities (146K PDF file)- 6/18/2004
FTC's Credit Report Information Disposal Rule - 6/14/2004
FCC's CAN-SPAM Wireless Rule - 4/30/04
EPA's Proposed Effluent Limitation Guidelines Rule (145k PDF file)- 12/23/2003
FCA's Farm Management Services Rule - 12/22/2003
OMB's Scientific Peer Review Bulletin - 12/15/2003
NAR Submits Comments to the Financial Crimes Enforcement Network (FinCEN) on Section 352 of Its Proposed Rule Regarding Anti-Money Laundering Program Requirements for "Persons Involved in Real Estate Closing and Settlements" (PDF: 71K) - 11/6/2003
EPA's Lead-Based Paint Regulatory Program - 8/15/2003
OMB's Regulatory Analysis Guidelines - 5/5/2003
HUD's Strategic Plan for 2003-2008 - 12/13/2002
HUD's Proposed Regulation - Amendments to Section 203K - 10/21/2002
HUD's Appraiser Watch Initiative - 9/20/2002
FTC's Do-Not-Call Registry Rule- 3/29/2002
Immigration and Naturalization Service's Limiting Length of Stay in the U.S. Rule. - 3/13/2002
OFHEO's Risk Based Capital - 1/17/2002
HUD's Prohibition of Single Family Property Flipping Rule - 11/5/2001
Wetlands Regulatory Process - 10/9/2001
Roadless Areas Proposed Rule - 7/12/2000
