---
title: Promoting Access to Mortgage Credit
description: Discover the key elements of the Executive Order on mortgage credit aimed at enhancing access, reducing burdens for smaller banks, and promoting competition in lending.
---

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# [Promoting Access to Mortgage Credit](https://blog.bankerscompliance.com/en/promoting-access-to-mortgage-credit)

 Written by [Amy Kudlacek](https://blog.bankerscompliance.com/en/author/amy-kudlacek) | Apr 2, 2026 5:01:49 PM

If the Executive Order (EO) entitled, “[Promoting Access to Mortgage Credit](https://www.whitehouse.gov/presidential-actions/2026/03/promoting-access-to-mortgage-credit/)” missed your radar, it’s definitely worth a read. The EO states …*It is the policy of the United States to improve the availability and affordability of mortgage credit; tailor rules for community banks and “smaller banks” (banks with assets fewer than $100 billion); reduce the regulatory burden on community banks and otherwise facilitate community bank engagement in mortgage activity; foster innovation, growth, and consumer choice in the mortgage market; modernize origination and closing standards to reduce lending costs; remove regulatory distortions to the structure of the mortgage market and to ensure capital and liquidity frameworks subject similar credit and liquidity risks to similar regulation across the system; promote competition among mortgage lenders of all charter types to drive down mortgage rates; and strengthen housing-finance liquidity.* To achieve this, the EO directs the CFPB and other Agencies to consider potentially significant changes to a variety of regulations all with the goal of reducing the compliance burden related to mortgage lending, especially for smaller institutions.

Published 2026/04/02

[View full post](https://blog.bankerscompliance.com/en/promoting-access-to-mortgage-credit)

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