National Housing Conference

Summary: The National Housing Conference (NHC) supports the proposed revisions to risk weights for residential mortgage loans but urges the agencies to revisit calibrations for high LTV loans and recognize the risk-mitigating role of private mortgage insurance. The organization also advocates for lower risk weights on Low-Income Housing Tax Credit (LIHTC) investments, mortgage servicing rights, warehouse lines of credit, and GSE multifamily mortgage exposures to better align capital requirements with observed risk and support housing affordability.