Scott Olson

Scott Olson

Scott Olson is Executive Director of the Community Home Lenders Association. Olson has over 20 years of experience on Capitol Hill – including 15 as a top housing staffer on the House Financial Services Committee, working on housing and mortgage finance issues.


  • Straight talk about independent mortgage bankers

    How regulated are they really?
    Independent mortgage bankers have increasingly been in the news of late. Ten years after the 2008 housing crisis, the strong trends of IMB growth in mortgage lending continue as banks show little sign of reversing their retreat from our mortgage markets. But are IMBs regulated enough? CHLA responds.
    Read More
  • Preserving homeownership incentives – a national priority in tax reform

    Here's a better solution for tax reform
    [Expert commentary] The Community Home Lenders Association is very supportive of the goals of the pending House and Senate tax bills of providing tax relief for individuals and corporations and simplifying and reforming the tax code. And if this means reforming existing homeownership tax provisions in order to help finance these tax cuts, that is fine with us.
    Read More
  • Despite relief, independent mortgage bankers say Financial CHOICE Act still needs work

    "One additional provision is needed"
    The Financial CHOICE Act that recently passed the House Financial Services Committee provides regulatory relief for independent mortgage bankers. But one additional provision is needed to ensure that small IMBs are treated the same as banks are under the bill. Why can’t independent mortgage bankers have the same exemptions as other banks?
    Read More
  • Community lenders: We should be exempt from CFPB exams and primary enforcement, too

    Just like most banks already are
    The Community Home Lenders Association believes that small non-bank mortgage lenders should be exempt from the Consumer Financial Protection Bureau's exams and primary enforcement, just as most banks already are. Here, the organization explains why and discusses why that exemption would help small lenders better serve consumers.
    Read More
  • It’s far past time to end Fannie, Freddie conservatorship. Here’s how to do it

    CHLA shares plan for recapitalizing GSEs
    It is now seven years since Fannie Mae and Freddie Mac went into conservatorship. The Community Home Lenders Association says that it believes a government guarantee is needed to maintain an affordable 30-year mortgage and sustain housing markets. But consensus is elusive on what should come next. Here is their plan.
    Read More