“Each year, CHLA publishes its IMB Report to educate the public, the press, Congress and Federal officials about IMBs,” CHLA President Taylor Stork said in the report. The CHLA report also highlighted the struggles characterizing the mortgage industry, specifically the soaring age of a first-time homebuyer, an ongoing affordability crisis and high home prices. The Trump administration has also signaled plans to end the conservatorships of Fannie Mae and Freddie Mac. In 2025, Congress passed legislation to limit trigger leads, reducing the volume of unsolicited calls, texts and emails to consumers after loan applications. These include plans to advocate for the end of GSE conservatorship; end loan-level price adjustments (LLPAs) for entry-level housing; end life-of-loan premiums for FHA mortgages; and reforms to the 2010 Dodd-Frank loan originator compensation bill, among others.