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AARMR & CSBS Present:
The National Mortgage Policy Summit

The American Association of Residential Mortgage Regulators (AARMR) and CSBS will host a summit to bring together policymakers, regulators and the industry to elevate the discussion around mortgage policy on November 13 in Washington, DC.

The summit event will include keynote presentations and panels representing viewpoints on mortgage policy at the national level. Invited speakers include members of Congress, federal agency leadership, industry leaders, consumer advocates, state regulators and other policy stakeholders. 

View the Slides from the Event


Confirmed Speakers

Charlie Clark

Washington State Department of Financial Institutions
President, AARMR

Rep. Bill Huizenga (R-MI)

Ranking Member, Financial Services Subcommittee on
Investor Protection, Entrepreneurship, and Capital Markets

Robert D. Broeksmit, CMB

President & CEO
Mortgage Bankers Association

Faith Schwartz

Housing Finance Strategies

Susan Wachter

Albert Sussman Professor of Real Estate, Professor of Finance
The Wharton School, University of Pennsylvania


Mark Calabria

Federal Housing Finance Agency

Rep. Patrick McHenry (R-NC)

Ranking Member
House Financial Services Committee

Edward Pinto

AEI Housing Center at the American Enterprise Institute

Laurie Goodman

Vice President, Housing Finance Policy
Urban Institute

Eric Kaplan

Director, Housing Finance Program
Milken Institute/Center for Financial Markets

Bill Matthews
President, NMLS

Bret Afdahl

South Dakota Division of Banking
CSBS Chairman

Eric Stein

Self-Help/Center for Responsible Lending (CRL)

Michael Drayne

Incoming Acting Executive Vice President
Ginnie Mae

Nancy Wallace

Professor & Chair of Real Estate Group
University of California, Berkeley

Raj Date

Managing Partner
Fenway Summer



About the Summit

The US housing market is experiencing an all-time high valued at $27.5 trillion, 15% higher than the pre-crisis peak, marked by growing household equity, delayed purchaser entry, historically low interest rates and recovered housing values. However, the market has been constrained by supply and an increasing lack of affordability, impacting low to moderate income and minority home buyers and adding pressure to loosen underwriting standards. The mortgage loan market itself has held steady in the $10 to $11 trillion range for the last 12 years, indicating stability in this crucial sector of the US economy. But, since the end of the financial crisis the industry has seen a dramatic shift in market share of both mortgage originations and servicing from banks to nonbanks, coupled with increased borrower risk profiles and potential credit quality concerns in certain sectors.

Regulators, policy makers and other stakeholders are publicly and privately acknowledging and studying structural shifts in the industry. At the same time, Fannie Mae and Freddie Mac have been in conservatorship as federal policy makers and Congress remain focused on addressing the GSEs as part of larger reforms of the housing finance system.

State regulators have an important role and stake in these policy discussions. During the summit, CSBS and AARMR will share how state regulators approach risk management, enhanced prudential standards for nonbank servicers, the use of technology in compliance and supervision and the future of the secondary market.