Advocacy - Massachusetts Mortgage Bankers Association


The MMBA is your voice in the mortgage industry

Each year our Lobbyist, our Legislative Committee and Board review all bills filed. We then figure out our position, prioritize and then get to work! We will meet with our federal and state legislators, attend hearings and provide written testimony. Read about our recent advocacy efforts on behalf of MMBA members below.

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If you would like to serve on our Legislative Committee, please contact Debbie Sousa at


The MMBA Makes a Difference on Beacon Hill

On June 12th, 24 members of the MMBA participated in the 2019 Beacon Hill Day and met with 34 State Senators, Representatives and senior staff. We discussed important legislative topics, including supporting the Act to Promote Housing Choices and the passage of An Act Regulating Appraisal Management Companies. Members also recommended implementing in-person electronic notarization. We urged our state representatives to oppose a number of bills that increase taxes on home sales to fund climate change and Community Preservation Trust initiatives. Members voiced their opposition to mandatory energy audits and scoring and provided alternative suggestions to achieve these goals while protecting consumers. MMBA members also discussed their reasons for opposing legislation that mandates judicial review, mandatory mediation and moratoriums on foreclosures. Learn more about these issues and the MMBA’s position.

The MMBA is currently tracking 150 bills that would impact the mortgage industry. It is vital that your legislators understand the impact of these bills – and they need to hear from you. Contact us to find out how you can help.



Massachusetts Mortgage Bankers Association Submits Amicus Brief in Thompson v. JPMorgan Chase Bank, N.A.

We are very pleased to announce that the Massachusetts Mortgage Bankers Association has submitted an Amicus Brief (“Amicus”) in the case of Thompson v. JPMorgan Chase Bank, N.A. in support of Chase, the Defendant/Appellee. We took this action in response to this enormously consequential decision issued on February 8, 2019 by the U.S. Court of Appeals. This case has the clear potential to create uncertainty and hardship for mortgage lenders in the Commonwealth by calling into question the validity of countless pending and previously completed foreclosures. In filing their Amicus, the MMBA joined a host of concerned organizations including Fannie Mae, the Mortgage Bankers’ Association, the MA Real Estate Bar Association and the MA Bankers Association.

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Read the Amicus Brief


The MMBA Makes a Difference on Capitol Hill

Left to right Marissa Blundell, Bankers Advisory; Deborah Imondi, MMBA 2018 Past Chair; Dan Briand, BayCoast Bank; Iryna Groshev, Mortgage Network; Debbie Sousa, MMBA; Darryl Caffee, Webster Five; Greg Korn, MGIC; Paul Chmielinski, TIAA Ban; and Michael Kelleher, LoanFuel

Nine members of the MMBA traveled to Washington, DC in March and met with Massachusetts legislators and senior policy advisers to discuss important federal issues, including:

  • Regulatory clarity including issuing clear guidance, holistic fixes to the Qualified Mortgage rule, TRID and HMDA
  • Self-Employed Mortgage Access Act (S.540)
  • GSE reform
  • Government lending program support
  • Affordable housing
  • Restoring FHLB membership status
  • Student loan legislation

MMBA’s Recommended Actions on Federal Issues



2017 - MMBA Meets with Federal Legislators

On June 21st, a group of Massachusetts constituents met with Senator Elizabeth Warren, Congressman Seth Moulton, Congressman Mike Capuano and Congressman Bill Keating to discuss current regulatory and legislative issues impacting the mortgage industry. We also met with Senior Policy Staff from Senator Markey's office along with Congressmen Clark, Kennedy and Lynch.  Topics discussed included Regulatory Certainty and Clarity; Financial CHOICE Act components such as expansion of Appendix Q; GSE Reform; Government Lending Program support; PACE legislation; National Flood Insurance Re-authorization, G-FEE Non-Housing Prohibition and Student Loan legislation.

Click here for the MMBA Talking Points handout.