Federal Legislation & Regulation
TLTA represents the Texas title industry on federal legislative and regulatory matters and works for solutions in the best interest of our membership and consumers.
Consumer Financial Protection Bureau (CFPB)
The CFPB is the federal agency that has primary responsibility for regulating consumer protection regarding financial products and services in the United States.
| TLTA CFPB Issues
Federal Housing Administration (FHA)
The FHA provides mortgage insurance on loans made by FHA-approved lenders throughout the United States and its territories. FHA insures mortgages on single family and multifamily homes including manufactured homes and hospitals.
Federal Housing Finance Agency (FHFA)
FHFA is an independent federal agency created as the successor regulatory agency resulting from the statutory merger of the Federal Housing Finance Board, the Office of Federal Housing Enterprise Oversight, and the U.S. Department of Housing and Urban Development government-sponsored enterprise mission team.
Other Federal Agencies
Internal Revenue Service (IRS)
The IRS is responsible for tax collection and tax law enforcement.
U.S. Department of Housing and Urban Development (HUD)
HUD is a cabinet department in the Executive branch of the federal government tasked with creating strong, sustainable, inclusive communities and quality affordable homes.
| Texas Website
U.S. Small Business Administration (SBA)
The SBA is dedicated to providing support to small businesses across the nation.
U.S. Department of Agriculture (USDA)
The USDA is responsible for developing and executing federal government policy on farming, agriculture, forestry, and food.
U.S. Department of Veteran's Affairs (VA)
The VA provides patient care and federal benefits to veterans and their dependents.
U.S. Department of Labor (DOL)
The DOL is charged with preparing the American workforce for new and better jobs, and ensuring the adequacy of America's workplaces.
Key title insurance committees in Congress include the House Financial Services Committee
and the Senate Banking, Housing and Urban Affairs Committee
House of Representatives
| Texas Congressional Delegation
The Library of Congress THOMAS site is the source for federal legislative information. THOMAS provides several options for finding bills, resolutions, and other legislative information.
Fannie Mae/Freddie Mac
Fannie Mae and Freddie Mac are government-sponsored entities (GSEs) created to expand the secondary market for mortgages in the U.S. Along with other GSEs, Fannie Mae and Freddie Mac buy mortgages on the secondary market, pool them and sell them as a mortgage-backed security to investors on the open market.
Fannie Mae Website
| Freddie Mac Website
| TLTA GSE Reform Issues Website
American Land Title Association (ALTA)
ALTA is the national trade association and voice of the abstract and title insurance industry.
Real Estate Services Providers Council, Inc. (RESPRO)
RESPRO is a national non-profit trade association that unites providers from across the home buying and financing industry.
National Association of Realtors (NAR)
NAR is the national trade organization for real estate agents.
Mortgage Bankers Association (MBA)
MBA representing the real estate finance industry.
American Bankers Association (ABA)
ABA represents banks of all sizes and charters.
Independent Community Bankers of America (ICBA)
The ICBA represents the interests of the community banking industry and the communities and customers they serve.
National Association of Insurance Commissioners (NAIC)
The NAIC is the U.S. standard-setting and regulatory support organization created and governed by the chief insurance regulators from the 50 states, the District of Columbia and five U.S. territories.
National Conference of Insurance Legislators (NCOIL)
NCOIL is an organization of state legislators whose main area of public policy concern is insurance legislation and regulation.