The Coalition for Sensible Housing Policy
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Supporting Americans' Access to Safe, Affordable Mortgages


Housing experts discuss the need to sync QRM with QM during a Capitol Hill briefing on March 12, 2013. (from left to right: Julia Gordon, Center for American Progress; Mike Fratantoni, Mortgage Bankers Association; Ken Edwards, Center for Responsible Lending; Ken Fears, National Association of REALTORS; Ethan Handelman, National Housing Conference.)

Latest Video

Sen. Johnny Isakson's Floor Speech on Qualified Residential Mortgage Rule



Memo from the Coalition for Sensible Housing Policy on the Revised QRM Rule

CNBC Interview with Sen. Johnny Isakson on the Dangers of Requiring a High Down Payment



Coalition Hears from Experts During Symposium: "QM, QRM and Basel III: Could New Rules Derail the Housing Recovery"


The Coalition for Sensible Housing Policy is a diverse coalition of 50 consumer organizations, civil rights groups, lenders, housing and real estate professionals that share the goal of attracting private capital back to the mortgage market for all American households, including low-wealth families that cannot afford a large down payment.

Updates 

New Coalition White Paper: Updated QRM Proposal Strikes Balance

September 6: Response to Washington Post Editorial

August 18: Reactions to the Revised QRM Rule


Statement: Coalition for Sensible Housing Policy Lauds Revised QRM Regulations



In the News:

The Hill: New Mortgage Rules Strike the Right Balance - 1/3/14

Mortgage News Daily: NAR Voices Approval of Revamped QRM - 10/31/13

Housing Wire: MBA Calls on Regulators to Align QRM with QM - 10/24/13
American Banker: Keep Down Payments Out of QRM Rule - 10/17/13

Mercury News: Realtors Hail QRM Rule Revisions - 9/16/13

Housing Wire: Is a 20% Downpayment a Life Saver, a Curse or Just an Arbitrary Number? - 9/6/13

Home Buying Institute: Definition of Qualified Residential Mortgage to be Aligned with QM Rule - 9/3/13

Business Journal: Elimination of Stricter Mortgage Down Payment Rules Could Help Local Residents - 8/30/13

Housing Wire: New Proposed QRM Standard Offers No Downpayment Option - 8/28/13

Wall Street Journal: Regulators Back Away From Tougher Mortgage Rules - 8/28/13

American Banker: New Risk-Retention Plan Offers Banks Relief - 8/28/13

CBS News: Government Relaxes Mortgage Down Payment Rules - 8/28/13

The Hill: Housing Industry Leaders Express Optimism for Revamped Risk-Retention Rule - 8/28/13

Bloomberg: American Dream Slipping as Homeownership at 18-Year Low - 7/30/13

Reuters: U.S. Regulators May Weaken Plan to Rein in Mortgage Underwriting-Sources 

Bloomberg: Softened Mortgage Rule Said to Be Proposed Soon by U.S. Agencies - 7/24/13

Wall Street Journal: Easing of Mortgage Curb Weighed - 7/24/13

Houston Chronicle: HRP Event Examines Current Mortgage, Appraisal Industries - 7/5/13

Sacramento Business Journal: Stricter Mortgage Standards May Be Hurting Economy, Report Says - 7/1/13

Townhall.com: The Disappearing First Time Home Buyer - 7/8/13

National Association of Realtors: Basel II Down: The Specter of Regulation Eases - 7/3/2013

Wall Street Journal: Low Down-Payment Lending Avoids Regulatory Blitz - 7/3/13

Investors' Business Daily: Mortgage Standards Too Tight Or Inflating New Bubble? - 6/13/13

Housing Wire: Qualify for a Mortagage? Maybe not for long - 6/5/13                   

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