A clear, credible voice for Texas mortgage banking.
Decisions made at the Texas Capitol can directly affect access to mortgage credit, servicing requirements, real estate finance protections, housing affordability, and the ability of lenders to serve Texas borrowers. TMBA gives the mortgage banking industry a clear, credible voice in those conversations.
Active across the policy and regulatory landscape.
Texas Legislature
Including committees with jurisdiction over financial services, housing, and business issues.
Texas Department of Savings and Mortgage Lending
The state regulator overseeing mortgage bankers, residential mortgage loan originators, and servicers in Texas.
Federal agencies
Including the CFPB, FHFA, HUD, and the GSEs on rules that shape national mortgage markets.
Industry coalitions
Working alongside the Mortgage Bankers Association and allied real estate finance organizations.
Policy issues we monitor.
TMBA tracks legislation, rulemaking, and guidance across the issues most relevant to mortgage banking in Texas.
- Access to affordable mortgage credit
- First-lien priority and real estate finance protections
- State and local regulation of mortgage lending
- Servicing, lien releases, foreclosure, and compliance requirements
- Remote online notarization and real estate transaction modernization
- Consumer protection rules that are clear, workable, and fair
- Housing affordability and market access
- Federal and state regulatory alignment
A record of practical results.
TMBA has a long record of working with lawmakers, regulators, and allied real estate finance organizations to improve legislation, prevent unintended consequences, and protect the ability of lenders and servicers to serve Texas consumers.
Improved legislation
Avoiding overly broad penalties for technical mortgage finance violations.
Clarified compliance requirements
Helping mortgage servicers navigate lien release timelines and obligations.
Protected valid transactions
Supporting statutory updates that preserve homestead and real estate closings.
Modernized notarization
Helping advance remote online notarization and real estate transaction procedures.
Consistent statewide rules
Supporting limits on local ordinances that could create conflicting mortgage lending requirements.
Preserved credit access
Opposing proposals that could restrict lawful real estate transactions or raise fair housing concerns.
Workable advertising standards
Raising concerns with legislation that could impose vague or unworkable mortgage advertising rules.
How members can engage
- Attend TMBA Capitol Day during the legislative session
- Support TMBPAC, the association's political action committee
- Participate in the Legislative & Regulatory Committee
- Respond to TMBA advocacy alerts when bills and rules move
- Share real-world industry perspective with TMBA's advocacy team
TMBPAC
The official political action committee of the Texas Mortgage Bankers Association. TMBPAC allows individual members to collectively support candidates who understand the real estate finance industry and the issues affecting mortgage banking in Texas.
Interim Charges to Watch
TMBA monitors interim charges that may affect mortgage lenders, servicers, borrowers, housing affordability, property rights, and access to mortgage credit. These issues are not formal TMBA legislative positions, but they help identify policy conversations that could shape the Texas real estate finance market ahead of the 90th Legislature.
Property Taxes & Homestead Exemptions
Directly affects borrower affordability, escrow analysis, and qualifying ratios on Texas mortgages.
Housing Affordability & Property Rights
Shapes inventory, purchase volume, and the long-term health of the Texas real estate finance market.
Local Government Fees
New municipal fees can raise closing costs and complicate compliance for lenders operating statewide.
Appraisal District Transparency
Valuation practices influence collateral values, LTVs, and post-close tax escrow accuracy.
Property Insurance Affordability
Rising premiums affect DTI, force-placed insurance exposure, and servicing risk across Texas portfolios.
Fair Banking
Proposals around access to financial services can affect lender operations, vendor relationships, and underwriting.
Financial Technology
State-level fintech rules can reshape origination, e-closing, and digital servicing workflows.
AI, Data & Cybersecurity
New requirements may change how lenders use models, protect borrower data, and disclose automated decisions.
Broadband Development
Connectivity affects rural lending capacity, remote online notarization, and digital mortgage delivery.
Data Centers & Infrastructure
Large-scale development pressures land use, utility load, and surrounding housing markets.
Water & Utility Costs
Operating costs feed into affordability calculations and the viability of new housing supply.
Wildfire Resilience
Hazard exposure influences insurance availability, valuation, and long-term collateral risk.
Large Real Estate Acquisitions / Fair Housing
Policy shifts here can affect ownership patterns, fair lending posture, and secondary market appetite.
Read the full official interim charge documents from the Texas House and Senate.
Issues to watch — not formal TMBA legislative positions.
Counting down to gavel-in.
TMBA represents Texas mortgage banking at the Capitol. Here are the dates that matter ahead of the 90th Legislature — and how members can get involved.
- Nov 9, 2026Bill filing opens
- Jan 12, 202790th Legislature convenes
- Mar 12, 2027Bill filing deadline
- May 31, 2027Sine die