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Advocacy and Policy Initiatives


CHLA Expresses Support for the Use of Attorney Opinion Letters

In our latest letter, the Community Home Lenders of America writes in support of the use of Attorney Opinion Letters (AOLs) as an alternative to title insurance. The CHLA also strongly encourages the Federal Housing Finance Agency to make its potential use an options for consumers.


The Community Home Lenders of America (CHLA) has again written to the White House and Treasury on the need to reduce the record-high spread between mortgage money and the risk-free 10-year Treasury coupon. This lack of action harms the VA mortgage which is an earned benefit to our servicemembers that provides them a chance to buy a home with no money down. 

CHLA Proposes Streamlining the State Examination Process for IMBs

November 1, 2023 The Community Home Lenders of America (CHLA) sent a letter to the Conference of State Bank Supervisors (CSBS) proposing a collaboration to enhance state examination procedures for Independent Mortgage Banks (IMBs) by streamlining the process into one, Uniform Annual Exam. 

CHLA, MHI, and MBA Send Joint Comment Letter Commending RHS on Proposed Rule Changes

October 30, 2023 The Community Home Lenders of America (CHLA), The Manufactured Housing Institute (MHI), and Mortgage Bankers Association (MBA) submitted a joint comment letter in response to the Rural Housing Service (RHS) proposed rule which would give borrowers increased mortgage loan options to finance the purchase of manufactured homes, under RHS Section 502 and SFH Guaranteed Loan Program. 

CHLA Continues to Oppose ICE Purchase of Black Knight

The Community Home Lenders of America sent a letter reiterating its strong opposition to Intercontinental Exchange’s (ICE) proposed $13.1 billion purchase of Black Knight. The letter cites CHLA concerns over the merger’s potential anti-competitive and anti-consumer practices.