National Housing Conference (NHC)

Summary: The National Housing Conference (NHC), a nonpartisan 501(c)(3) coalition, supports the proposed revisions to risk weights for residential mortgage loans but urges further calibration for high LTV loans and private mortgage insurance. They also advocate 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.