In March, the California Mortgage Bankers Association (CMBA) showed up to say exactly what needed to be said. They are asking for the disaster recovery support that every other affected community in America expects from its federal government. CMBA called for exactly that – a coordinated approach to disaster recovery policy that brings together state officials, insurers, housing stakeholders and the mortgage industry. That is what functional disaster recovery has always required. Why this is a mortgage industry issueThere is a tendency in our industry to treat natural disaster recovery as someone else’s problem.