The path to financial stability and sustainable lending practices:
A competitive marketplace optimizes the capabilities of private companies, empowering firms of various scope and scale to engage in commercial activities with one another, based on their specialized expertise and resources and under terms negotiated fairly and impartially.
Consistency in regulations and supervisory approach creates a level playing field and allows companies to compete on the basis of effective customer service, safe and efficient practices, and high-quality loan products.
A transparent marketplace, where production and performance information is shared freely and is made publicly available will foster and enhance customer service and consumer protections and will improve overall risk management across the housing finance system.
Members of HPC are committed to working together and with all other stakeholders to realize a housing finance system that expands opportunity, improves the customer experience, improves efficiency, reduces uncertainty, and operates safely and soundly.