Comment Letters

Photo Credit: Marie L. Manzor

NeighborWorks America shares formal correspondence to federal agencies on regulatory and administrative policies that affect NeighborWorks network organizations and the communities that they serve. 
 

Mortgage Closing & Servicing

• Request for Information Regarding Fees Imposed in Residential Mortgage Transactions - sent to CFPB on Aug. 1, 2024
• Request for Information on the Mortgage Closing Process — sent to CFPB on Feb. 7, 2014 

Financial Capability

• Request for Information Related to the Executive Order, “Modernizing Payments To and From America's Bank Account” – sent to Treasury on June 30, 2025
• Request for Information on Financial Inclusion  — sent to Treasury on February 20, 2024
• ​Request for Public Comment on the President’s Advisory Council on Financial Capability — sent to Treasury on Sept. 22, 2011

HOME Program

• Notice of Proposed Rulemaking on HOME Investment Partnership Program: Program Updates and Streamlining - sent to HUD on July 29, 2024
• Recommendations for Improving the HOME Program to Support Homeownership – sent to HUD on February 5, 2024

Rural

• Request for Information – Loan Servicing – sent to USDA on July 16, 2025
• Notice of Proposed Rulemaking on Streamlining and Improvement of Single Family Housing Direct Programs — sent to USDA on Jan. 19, 2024
• Notice of Proposed Rulemaking on Section 502 Direct Single Family Housing Loan Program: Creation of a Certified Loan Application Packaging Process Rural Housing Service — sent to USDA on Oct. 22, 2013
• Notice of Proposed Rulemaking on Streamlining and Improvement of Single Family Housing Direct Programs — sent to USDA on Jan. 19, 2024

Housing Counseling

• Notice of Proposed Rulemaking -- Modernizing the Delivery of Housing Counseling Services – sent to HUD on Dec. 20, 202
• Request for Information on Mortgage Refinances and Forbearances — sent to the CFPB on Nov. 28, 2022
• Housing Counseling and Emergency Rental Assistance — sent to Treasury on April 13, 2021
• Federal Housing Administration's Homeowners Armed With Knowledge (HAWK) initiative — sent to HUD on Jul. 9, 2014
• HUD's Housing Counseling Program Certification Requirements — sent to HUD on Nov. 25, 2013
• Notice of Proposed Rulemaking on Mortgage Licensing Act: HUD Responsibilities Under the SAFE Act — sent to HUD on March 2, 2010

Native Homeownership & Tribal Lands

• Notice of Proposed Rulemaking on Tribal Housing Counselors — sent to HUD on March 24, 2023
• Notice of Proposed Rulemaking on Section 184 Loan Guarantee Program — sent to HUD on March 17, 2023
• Notice of Proposed Rulemaking on Indian Land Title and Records — sent to the Department of Interior on Feb. 24, 2021

Duty to Serve

• Notice of Proposed Rulemaking on Enterprise Duty To Serve Underserved Markets Amendments (Colonias) — sent to FHFA on Dec. 1, 2022
• Request for Input on Enterprises' 2022 Proposed Plan Modifications — sent to FHFA on Dec. 5, 2022
• Request for Information: Duty to Serve Underserved Markets Plans 2022-2024 — sent to FHFA on July 16, 2021
• Duty to Serve Underserved Markets Plans 2019-2021 — sent to FHFA on July 10, 2017
• Notice of Proposed Rulemaking Enterprise Duty to Serve Underserved Markets — sent to FHFA on March 14, 2016

Federal Home Loan Bank

• Request for Input —  Federal Home Loan Bank Core Mission Activities and Mission Achievement — sent to FHFA on July 15, 2024
• Roundtable on FHLB Support for Native Communities — Testimony given to FHFA on Dec. 8, 2022
• Request for Input — Comprehensive Review of Federal Home Loan Bank System — sent to FHFA on Oct. 20, 2022
• Notice of Proposed Rulemaking on the Federal Home Loan Bank Housing Goals Amendments — sent to FHFA on Jan. 31, 2019
• Notice of Proposed Rulemaking on Amendments to the Affordable Housing Program — sent to FHFA on June 12, 2018
• ​Notice of Proposed Rulemaking on Federal Home Loan Bank Membership — sent to FHFA on Jan. 8, 2015
• Notice of Proposed Rulemaking on Amendments to the Affordable Housing Program — sent to FHFB on June 16, 2008

Community Development Financial Institutions (CDFIs) 

• Request for Public Comment on CDFI Certification Target Market Verification — sent to CDFI Fund on Dec. 19, 2022 
• Request for Public Comment on Community Development Financial Institutions Program — Certification Application — sent to CDFI Fund on Dec. 5, 2022
• Request for Public Comment — Minority Lending Institution Designation Criteria — sent to CDFI Fund on Nov. 25, 2022 
• Minority Lending Institutions — sent to CDFI Fund on Nov. 30, 2021
• Capital Magnet Fund Application and Performance Report — sent to CDFI Fund on March 1, 2021
• Community Development Financial Institutions Program — Certification Application — sent to CDFI Fund on Nov. 5, 2020
• CDFI Program and NACA Program Financial and Technical Assistance Applications — sent to CDFI Fund on May 13, 2019
• Request for Information on Standards and Criteria for CDFI Certification — sent to CDFI Fund on Feb. 28, 2017
• Interim Final Rule on the CDFI Program — sent to CDFI Fund on Oct. 27, 2015

Low-Income Housing Tax Credit

• Notice of Proposed Rulemaking on Section 42, Low-Income Housing Credit Average Income Test Regulations — sent to Treasury on Dec. 29, 2020

Consumer Protection

• Public Comment on Federal Trade Commission Draft Strategic Plan — sent to FTC on Nov. 30, 2021

Equitable Housing Finance Plans

• Notice of Proposed Rulemaking: Fair Lending, Fair Housing, and Equitable Housing Finance Plans – sent to FHFA on June 26, 2023
• Request for Information on Enterprise Equitable Housing Finance Plans — sent to FHFA on Oct. 25, 2021

Community Reinvestment Act

• Notice of Proposed Rulemaking on the Community Reinvestment Act Regulations — sent to FDIC, Federal Reserve and OCC on Aug. 4, 2022
• Notice of Proposed Rulemaking on the Community Reinvestment Act Regulations — sent to OCC on Oct. 29, 2021
• Advanced Notice of Proposed Rulemaking on the Community Reinvestment Act — sent to Federal Reserve on Feb. 12, 2021
• Notice of Proposed Rulemaking on the Community Reinvestment Act Regulations — sent to OCC and FDIC on April 6, 2020
• Notice of Proposed Rulemaking on the Community Reinvestment Act Regulations — sent to FDIC on Jan. 22, 2020
• Notice of Proposed Rulemaking on the Community Reinvestment Act Regulations — sent to OCC on Jan. 22, 2020
• Advance Notice of Proposed Rulemaking on Reforming the Community Reinvestment Act Regulatory Framework — sent to OCC on Nov. 19, 2018
• Interagency Questions and Answers Regarding Community Reinvestment — sent to OCC, Federal Reserve and FDIC on Nov. 3, 2014
• Interagency Questions and Answers Regarding Community Reinvestment — sent to OCC, Federal Reserve and FDIC on May 17, 2013
• Notice of Proposed Rulemaking on the Community Reinvestment Act — sent to FDIC on Sept. 15, 2004
• Advance Notice of Proposed Rulemaking Regarding the Community Reinvestment Act — sent to OCC, Federal Reserve and FDIC on Oct. 17, 2001

Broadband & Digital Access

• Emergency Broadband Benefit Program — sent to FCC on Jan. 25, 2021

Small Business Lending

• SBREFA Process for Section 1071 Small Business Lending Data Collection Rulemaking — sent to CFPB on Dec. 14, 2020
• Interim Final Rule on the Business Loan Program Temporary Changes; Paycheck Protection Program — sent to SBA and Treasury on May 15, 2020

Qualified Mortgage & Ability to Repay

• Advance Notice of Proposed Rulemaking on Qualified Mortgage Definition under the Truth in Lending Act — sent to CFPB on Sept. 16, 2019
• Notice of Proposed Rulemaking on Credit Risk Retention — sent to OCC, Federal Reserve, FDIC, SEC, FHFA and HUD on Oct. 30, 2013
• Notice of Proposed Rulemaking on Amendments to the Ability to Repay Standards under the Truth in Lending Act — sent to CFPB on Feb. 25, 2013
• Notice of Proposed Rulemaking on High Cost Mortgage and Homeownership Counseling Amendments to Regulation Z and Regulation X — sent to CFPB on Sept. 7, 2012
• Notice of Proposed Rulemaking Regarding Credit Risk Retention — sent to OCC, Federal Reserve, FDIC, SEC, FHFA and HUD on July 29, 2011
• Notice of Proposed Rulemaking on Truth in Lending — sent to Federal Reserve on March 31, 2008

Home Mortgage Disclosure Act

• Notice of Proposed Rulemaking on the Home Mortgage Disclosure Act (Regulation C) — sent to CFPB on June 12, 2019

Opportunity Zones

• Notice of Proposed Rulemaking on Investing in Qualified Opportunity Funds — sent to the IRS on Dec. 21, 2018

Healthy Homes & Communities

• Comments on the Surgeon General's Community Health and Prosperity Call to Action — sent to the Department of Health & Human Services on Nov. 5, 2018

Credit Access

• Request for Information Regarding Use of Alternative Data and Modeling Techniques in the Credit Process — sent to CFPB on May 19, 2017
• Comments on Draft Bulletin: Risk Management Guidance for Higher Loan-to-Value Lending in Communities Targeted for Revitalization — sent to OCC on Feb. 22, 2016

Energy Efficiency & Sustainability

• Notice of Proposed Information Collection on Energy Benchmarking — sent to HUD on Dec. 5, 2016

GSE Affordable Housing Goals

• Notice of Proposed Rulemaking on 2015-2017 Enterprise Housing Goals — sent to FHFA on Oct. 24, 2014
• Notice of Proposed Rulemaking on 2012-2014 Enterprise Housing Goals — sent to FHFA on July 26, 2012

Multifamily Housing Finance

• Request for Comment on Small Multifamily Building Risk Share Initiative — sent to HUD on Jan. 3, 2014

Distressed Real Estate

• Request for Information on Disposition of Real Estate Owned Properties — sent to FHFA on Sept. 15, 2011
• Foreclosure Prevention Task Force Response to Request for Information on Disposition of Real Estate Owned Properties — sent to FHFA, HUD and Treasury on Sept. 15, 2011