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		<loc>https://nhc.org/publication/housing-groups-call-for-fix-to-21st-century-road-to-housing-act-provision-on-build-to-rent-housing/</loc>
		<lastmod>2026-03-05T21:50:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/the-state-of-the-rental-housing-market-with-bob-pinnegar-president-and-ceo-naa/</loc>
		<lastmod>2026-03-02T14:36:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/the-biggest-down-payment-assistance-program-in-history-is-worth-serious-consideration/</loc>
		<lastmod>2026-02-28T19:11:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/the-math-behind-trumps-eye-catching-economic-ideas/</loc>
		<lastmod>2026-02-26T22:57:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/a-night-to-celebrate-housing-leadership-nhcs-2026-visionary-awards-gala-returns-june-24/</loc>
		<lastmod>2026-03-04T02:46:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/nhc-to-honor-housing-finance-leaders-bill-emerson-and-debra-w-still-at-2026-housing-visionary-awards-gala/</loc>
		<lastmod>2026-03-04T02:48:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/exploring-gentrification-and-homeownership-with-cfas-sharon-cornelissen/</loc>
		<lastmod>2026-02-17T14:58:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/congress-just-passed-a-major-housing-bill-will-it-actually-lower-your-home-price/</loc>
		<lastmod>2026-02-20T15:17:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/disparate-impact-is-one-of-the-most-important-ways-to-assess-intent/</loc>
		<lastmod>2026-02-17T15:00:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/publication/housing-groups-express-serious-concerns-about-huds-disparate-impact-standard-2/</loc>
		<lastmod>2026-02-13T19:52:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/congress-isnt-waiting-on-trump-to-tackle-high-housing-costs/</loc>
		<lastmod>2026-02-10T15:34:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/house-approves-sweeping-housing-package/</loc>
		<lastmod>2026-02-10T15:35:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/nhc-applauds-house-passage-of-bipartisan-housing-for-the-21st-century-act/</loc>
		<lastmod>2026-02-10T00:14:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/housing-communications-matter-more-than-ever/</loc>
		<lastmod>2026-02-09T15:22:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/publication/housing-groups-urge-house-to-pass-housing-for-the-21st-century-act/</loc>
		<lastmod>2026-02-06T20:09:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/congress-targets-housing-crisis-as-solutions-elude-trump/</loc>
		<lastmod>2026-02-04T20:33:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/partial-shutdown-hits-hud-fha-and-flood-insurance-programs/</loc>
		<lastmod>2026-02-04T20:38:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/ending-homelessness-successful-strategies-for-sustainable-results/</loc>
		<lastmod>2026-02-02T14:33:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/weathering-the-insurance-storm-together/</loc>
		<lastmod>2026-02-06T20:41:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/neighborworks-america-and-nhc-webinar-tackles-affordable-rural-housing/</loc>
		<lastmod>2026-01-30T22:24:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/trump-aims-to-make-homes-more-affordable-yet-more-expensive/</loc>
		<lastmod>2026-01-30T22:25:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/the-quiet-part-out-loud-housing-affordability-is-not-a-zero-sum-game/</loc>
		<lastmod>2026-01-26T14:28:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/homeownership-has-never-seemed-so-out-of-reach-will-trumps-davos-speech-offer-new-hope/</loc>
		<lastmod>2026-01-21T14:07:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/from-campus-to-policy-tackling-the-student-housing-crisis/</loc>
		<lastmod>2026-01-20T15:55:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/strengthening-rural-america-housing-innovation-capital-and-access/</loc>
		<lastmod>2026-02-06T20:43:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/big-plan-for-fannie-and-freddie-i-p-o-in-flux-as-trump-pushes-affordability/</loc>
		<lastmod>2026-01-16T14:22:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/affordable-homes-act-passes-house/</loc>
		<lastmod>2026-01-12T20:32:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/a-successful-abundance-agenda-requires-compromise-and-concessions/</loc>
		<lastmod>2026-01-12T14:44:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/trump-officials-prepare-executive-order-on-housing-affordability/</loc>
		<lastmod>2026-01-09T21:36:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/trump-orders-fannie-freddie-back-into-mortgage-bond-market-with-200b-mandate/</loc>
		<lastmod>2026-01-09T21:37:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/publication/affordable-housing-leaders-call-for-passage-of-h-r-5184-the-affordable-homes-act-2/</loc>
		<lastmod>2026-01-09T15:23:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/affordable-housing-groups-support-the-affordable-homes-act/</loc>
		<lastmod>2026-01-09T15:25:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/publication/affordable-housing-leaders-call-for-passage-of-h-r-5184-the-affordable-homes-act/</loc>
		<lastmod>2026-01-09T15:22:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/trump-calls-on-fannie-and-freddie-to-buy-200-billion-in-mortgage-bonds/</loc>
		<lastmod>2026-01-09T14:45:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/trump-orders-fannie-and-freddie-to-buy-200-billion-in-mortgage-bonds/</loc>
		<lastmod>2026-01-09T03:58:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/trump-tells-fannie-freddie-to-buy-200-billion-of-mortgage-debt/</loc>
		<lastmod>2026-01-09T03:57:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/event/strengthening-rural-america/</loc>
		<lastmod>2026-01-27T15:56:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/nhc-leaders-reflect-on-2025-and-whats-ahead-for-housing-in-2026/</loc>
		<lastmod>2026-01-05T18:10:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/event/gala/</loc>
		<lastmod>2026-03-13T18:11:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/strengthening-housing-solutions-together/</loc>
		<lastmod>2025-12-22T15:12:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/nhc-welcomes-the-confirmation-of-key-nominees/</loc>
		<lastmod>2025-12-19T18:42:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/publication/nhc-letter-to-urge-the-senate-to-pass-the-appropriations-minibus-which-includes-the-fiscal-year-fy-2026-transportation-housing-and-urban-development-thud-bill-nhc-letter-to-urge-the-senate-to-p/</loc>
		<lastmod>2025-12-19T17:19:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/policy/nhc-letter-to-urge-the-senate-to-pass-the-appropriations-minibus-which-includes-the-fiscal-year-fy-2026-transportation-housing-and-urban-development-thud-bill/</loc>
		<lastmod>2025-12-18T19:17:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/major-bipartisan-housing-bill-passes-house-committee-teeing-up-floor-vote/</loc>
		<lastmod>2026-01-09T04:01:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/housing-for-the-21st-century-act-moves-forward/</loc>
		<lastmod>2026-01-09T04:01:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/nhc-praises-house-financial-services-committee-for-advancing-the-housing-for-the-21st-century-act/</loc>
		<lastmod>2025-12-17T20:51:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/a-conversation-with-congressman-mike-flood-r-ne/</loc>
		<lastmod>2026-01-27T16:04:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/publication/nhc-letter-to-house-financial-services-committee-in-support-of-the-housing-for-the-21st-century-act/</loc>
		<lastmod>2025-12-17T19:50:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/a-conversation-with-senator-elizabeth-warren-d-ma/</loc>
		<lastmod>2025-12-16T22:32:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/weakening-ecoa-weakens-equal-credit-and-opportunity-harming-everyone/</loc>
		<lastmod>2025-12-15T02:39:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/publication/nhc-letter-to-cfpb-in-response-to-proposed-changes-to-regulation-b-reg-b-of-the-equal-credit-opportunity-act-ecoa/</loc>
		<lastmod>2025-12-14T01:30:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/nhc-applauds-house-financial-services-committees-bipartisan-housing-for-the-21st-century-act/</loc>
		<lastmod>2025-12-12T17:11:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/middle-class-housing-crisis-worsens-and-requires-urgent-action-and-attention/</loc>
		<lastmod>2025-12-10T02:48:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/as-rural-housing-costs-soar-financing-affordable-housing-remains-a-hurdle/</loc>
		<lastmod>2025-12-10T02:46:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/rescinding-disparate-impact-creates-harm-confusion-and-legal-risk-says-nhc/</loc>
		<lastmod>2025-12-09T22:52:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/house-committee-is-set-to-review-senate-backed-housing-bill/</loc>
		<lastmod>2025-12-10T02:44:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/bipartisanship-is-the-name-of-the-game-nhc-celebrates-a-successful-solutions-for-affordable-housing-convening/</loc>
		<lastmod>2025-12-08T17:02:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/is-abundance-the-latest-housing-fad-or-a-game-changing-approach/</loc>
		<lastmod>2025-12-08T16:43:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/is-abundance-the-latest-housing-fad-or-a-game-changing-approach/</loc>
		<lastmod>2025-11-24T18:46:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/house-bill-seeks-to-streamline-affordable-housing-development/</loc>
		<lastmod>2025-11-21T03:51:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/senate-banking-committee-advances-nominees-to-lead-fha-ginnie-mae/</loc>
		<lastmod>2025-11-21T03:49:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/senate-committee-advances-trump-nominees-to-lead-fha-ginnie-mae/</loc>
		<lastmod>2025-11-21T03:49:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/nhc-applauds-senate-banking-committee-for-advancing-key-senior-administration-nominees/</loc>
		<lastmod>2025-11-19T18:24:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/wncs-will-cooper-jr-talks-housing-vouchers-supply-and-labor-shortages/</loc>
		<lastmod>2025-11-17T19:48:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/we-need-each-other-like-never-before/</loc>
		<lastmod>2025-12-08T16:42:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/we-need-each-other-like-never-before/</loc>
		<lastmod>2025-11-16T20:52:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/trumps-50-year-mortgage-loses-steam-as-industry-questions-costs/</loc>
		<lastmod>2025-11-13T15:33:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/a-50-year-mortgage-is-only-going-to-hurt-the-consumer-here-are-some-ideas-that-could-actually-help/</loc>
		<lastmod>2025-11-14T22:14:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/new-york-city-commercial-real-estate-industry-seeks-to-work-with-mamdani-as-rent-freezes-threaten-2/</loc>
		<lastmod>2026-01-09T21:39:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/down-payments-now-paid-by-your-employer-2/</loc>
		<lastmod>2025-11-13T15:36:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/new-york-city-commercial-real-estate-industry-seeks-to-work-with-mamdani-as-rent-freezes-threaten/</loc>
		<lastmod>2025-11-13T15:34:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/working-together-to-shape-the-future-of-housing/</loc>
		<lastmod>2025-11-09T20:29:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/working-together-to-shape-the-future-of-housing/</loc>
		<lastmod>2025-12-08T16:41:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/urban-institutes-janneke-ratcliffe-on-what-the-data-reveals-about-affordable-housing-homelessness-and-opportunity/</loc>
		<lastmod>2025-11-03T14:28:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/moving-from-ai-party-tricks-to-practical-application-in-affordable-housing/</loc>
		<lastmod>2025-11-02T21:05:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/moving-from-ai-party-tricks-to-practical-application-in-affordable-housing/</loc>
		<lastmod>2025-12-08T16:41:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/nhc-applauds-bipartisan-home-reform-act/</loc>
		<lastmod>2025-10-31T20:39:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/publication/nhc-letter-to-senate-banking-committee-in-support-of-gormley-hill-and-cassidy-nominations/</loc>
		<lastmod>2025-10-29T19:16:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/how-long-is-too-long-as-november-approaches-what-happens-next/</loc>
		<lastmod>2025-11-04T21:58:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/how-long-is-too-long-as-november-approaches-what-happens-next/</loc>
		<lastmod>2025-12-08T16:40:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/the-must-attend-event-for-housing-advocates-is-almost-here/</loc>
		<lastmod>2025-10-19T19:33:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/the-must-attend-event-for-housing-advocates-is-almost-here/</loc>
		<lastmod>2025-12-08T16:39:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/publication/nhc-letter-to-senate-banking-committee-ranking-member-warren-nhc-letter-to-senate-banking-chairman-scott-thanking-her-for-including-road-to-housing-act-and-cdfi-enhancements-in-ndaa/</loc>
		<lastmod>2025-10-15T14:29:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/publication/nhc-letter-to-senate-banking-chairman-scott-thanking-him-for-including-road-to-housing-act-and-cdfi-enhancements-in-ndaa/</loc>
		<lastmod>2025-10-15T14:29:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/publication/nhc-letter-to-minority-leader-schumer-thanking-him-for-including-road-to-housing-act-and-cdfi-enhancements-in-ndaa/</loc>
		<lastmod>2025-10-15T14:30:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/publication/nhc-letter-to-majority-leader-thune-thanking-him-for-including-road-to-housing-act-and-cdfi-enhancements-in-ndaa/</loc>
		<lastmod>2025-10-15T14:30:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/anywheres-liz-gehringer-talks-innovation-affordability-and-the-future-of-homebuying/</loc>
		<lastmod>2026-03-05T18:16:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/we-are-capable-of-doing-more-and-sometimes-we-do/</loc>
		<lastmod>2025-10-13T13:57:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/how-homeowners-and-buyers-can-weather-the-government-shutdown/</loc>
		<lastmod>2025-10-15T17:40:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/we-are-capable-of-doing-more-and-sometimes-we-do/</loc>
		<lastmod>2025-12-08T16:39:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/senate-passes-road-to-housing-act-to-boost-housing-supply/</loc>
		<lastmod>2025-10-15T17:38:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/senate-passes-defense-budget-bill-with-major-bipartisan-housing-reforms/</loc>
		<lastmod>2025-10-15T17:38:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/nhc-applauds-senate-passage-of-the-road-to-housing-act-as-part-of-ndaa-calls-for-its-retention-in-conference/</loc>
		<lastmod>2025-10-10T13:55:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/trumps-homebuilding-order-hazy/</loc>
		<lastmod>2025-10-15T17:37:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/nhc-president-and-ceo-david-dworkin-applauds-confirmation-of-jonathan-mckernan-as-under-secretary-for-domestic-finance/</loc>
		<lastmod>2025-10-08T18:12:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/trump-call-for-fannie-freddie-to-spur-building-is-mystery/</loc>
		<lastmod>2025-10-08T18:31:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/where-you-stand-depends-on-where-you-sit/</loc>
		<lastmod>2025-10-05T22:31:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/where-you-stand-depends-on-where-you-sit/</loc>
		<lastmod>2025-12-08T16:38:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/national-housing-conference-offers-guidance-to-workers-impacted-by-government-shutdown-on-housing-payments/</loc>
		<lastmod>2025-10-01T21:31:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/new-dangers-for-housing-in-looming-shutdown-how-mortgage-lenders-can-prepare/</loc>
		<lastmod>2025-10-01T17:28:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/revitalizing-homes-strengthening-communities-a-conversation-with-ncsts-christopher-tyson/</loc>
		<lastmod>2025-09-29T13:39:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/these-people-are-crazy-a-government-shutdown-looms-and-a-negotiated-settlement-is-nowhere-in-sight/</loc>
		<lastmod>2025-10-10T21:12:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/these-people-are-crazy-a-government-shutdown-looms-and-a-negotiated-settlement-is-nowhere-in-sight/</loc>
		<lastmod>2025-09-28T21:10:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/homeownership-costs-recently-doubled-in-major-ct-cities-study-finds/</loc>
		<lastmod>2025-09-25T15:19:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/the-quest-for-housing-finance-reform-on-second-thought-lets-not-go-to-camelot/</loc>
		<lastmod>2025-10-10T21:11:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/the-quest-for-housing-finance-reform-on-second-thought-lets-not-go-to-camelot/</loc>
		<lastmod>2025-09-22T00:00:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/what-underserved-market-supporters-want-to-see-in-gse-reform/</loc>
		<lastmod>2025-09-17T19:35:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/affordable-housing-out-of-reach-for-half-of-all-u-s-workers/</loc>
		<lastmod>2025-09-17T19:34:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/pretium-founder-ceo-don-mullen-on-institutional-investments-role-in-the-future-of-u-s-housing/</loc>
		<lastmod>2025-09-15T13:19:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/shaping-the-future-of-housing-together/</loc>
		<lastmod>2025-10-10T21:10:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/shaping-the-future-of-housing-together/</loc>
		<lastmod>2025-09-14T19:42:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/why-mba-is-renewing-opposition-to-a-fannie-freddie-merger/</loc>
		<lastmod>2025-09-17T19:36:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/national-housing-conference-report-affordability-crisis-impacts-workers-across-all-income-levels/</loc>
		<lastmod>2025-09-17T19:31:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/gse-talks-revive-push-for-30-year-loan-changes/</loc>
		<lastmod>2025-09-17T19:38:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/homeownership-now-requires-six-figure-income-in-much-of-the-u-s/</loc>
		<lastmod>2025-09-17T19:32:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/successfully-ending-homelessness-is-expensive-but-not-as-much-as-failure/</loc>
		<lastmod>2025-10-10T21:09:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/successfully-ending-homelessness-is-expensive-but-not-as-much-as-failure/</loc>
		<lastmod>2025-09-08T21:13:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/addressing-homelessness-through-community-health-and-street-medicine/</loc>
		<lastmod>2025-09-07T15:15:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/5-ways-the-trump-administration-could-use-declaring-a-national-housing-emergency-to-help-home-buyers/</loc>
		<lastmod>2025-09-17T19:33:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/event/solutions-for-affordable-housing-2/</loc>
		<lastmod>2026-01-28T20:58:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/event/solutions-for-housing-communications-2026/</loc>
		<lastmod>2026-04-03T01:59:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/28-housing-groups-urge-senate-to-advance-road-to-housing-act/</loc>
		<lastmod>2025-09-17T19:38:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/trumps-housing-chief-wants-to-build-but-with-what/</loc>
		<lastmod>2025-09-04T16:03:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/28-housing-leaders-urge-senate-to-advance-bipartisan-road-to-housing-act/</loc>
		<lastmod>2025-09-03T21:56:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/publication/housing-leaders-urge-senate-to-advance-road-to-housing-act/</loc>
		<lastmod>2025-09-03T21:08:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/u-s-homeownership-falls-for-first-time-since-2016/</loc>
		<lastmod>2025-09-17T19:33:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/middle-class-priced-out-as-affordability-slips-further-from-reach/</loc>
		<lastmod>2025-09-04T17:08:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/publication/nhc-letter-to-senate-leadership-on-road-to-housing-act/</loc>
		<lastmod>2025-09-02T16:48:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/middle-class-struggling-to-afford-housing-once-firmly-in-its-grasp/</loc>
		<lastmod>2025-09-03T14:34:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/priced-out-nhc-warns-affordability-crisis-hitting-middle-class/</loc>
		<lastmod>2025-09-03T14:34:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/middle-class-americans-priced-out-new-national-housing-conference-report-finds-homeownership-and-affordable-rent-out-of-reach-in-most-u-s-metro-areas/</loc>
		<lastmod>2025-09-02T13:50:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/housing-policy-credit-scores-the-future-of-mortgages-with-lennar-mortgages-president-laura-escobar/</loc>
		<lastmod>2025-09-02T14:24:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/can-you-hear-me-now-middle-class-americans-are-priced-out-of-housing/</loc>
		<lastmod>2025-09-18T19:43:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/can-you-hear-me-now-middle-class-americans-are-priced-out-of-housing/</loc>
		<lastmod>2025-09-01T21:53:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/publication/nhc-letter-to-fed-occ-and-fdic-about-joint-proposed-cra-rule/</loc>
		<lastmod>2025-08-19T18:26:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/the-future-of-affordable-senior-housing-with-ska-marins-sydelle-knepper/</loc>
		<lastmod>2025-08-21T17:42:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/fannie-freddie-30-billion-ipo-being-weighed-for-this-year/</loc>
		<lastmod>2025-08-11T17:46:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/icing-on-the-cake-fhfa-doubles-lihtc-cap/</loc>
		<lastmod>2025-08-08T20:31:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/fhfa-doubles-gse-funding-allowance-for-low-income-housing-tax-credits/</loc>
		<lastmod>2025-08-08T20:36:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/fannie-mae-and-freddie-macs-regulator-raising-lihtc-limits/</loc>
		<lastmod>2025-08-08T20:32:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/national-housing-conference-applauds-federal-housing-director-pultes-move-to-expand-investment-in-low-income-housing-tax-credits/</loc>
		<lastmod>2025-08-05T18:41:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/fannie-mae-freddie-mac-double-caps-for-low-income-housing-tax-credit/</loc>
		<lastmod>2025-08-08T20:34:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/fhfa-doubles-lihtc-cap-for-fannie-mae-and-freddie-mac/</loc>
		<lastmod>2025-08-08T20:42:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/ginnie-mae-poised-to-get-first-permanent-president-in-over-a-year/</loc>
		<lastmod>2025-08-04T21:20:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/fha-and-ginnie-mae-announce-new-leadership-nominees/</loc>
		<lastmod>2025-08-08T20:35:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/nhc-president-and-ceo-david-dworkin-commends-the-nomination-of-joseph-gormley-for-ginnie-mae-president/</loc>
		<lastmod>2025-08-04T19:34:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/the-most-bipartisan-month-for-housing-legislation-in-17-years/</loc>
		<lastmod>2025-08-22T15:18:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/dont-blame-jerome-powell-or-the-fed-if-you-cant-afford-to-buy-a-house-right-now/</loc>
		<lastmod>2025-08-04T21:18:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/fresh-tariffs-from-trump-target-homebuilding-costs/</loc>
		<lastmod>2025-08-04T21:19:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/the-most-bipartisan-month-for-housing-legislation-in-17-years/</loc>
		<lastmod>2025-08-04T14:04:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/real-estate-developers-say-affordable-housing-could-soon-become-more-profitable/</loc>
		<lastmod>2025-07-29T18:51:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/senate-banking-committee-advances-sweeping-bipartisan-housing-package/</loc>
		<lastmod>2025-08-08T20:41:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/artificial-intelligence-is-a-part-of-housings-future-what-that-future-looks-like-is-up-to-us/</loc>
		<lastmod>2025-07-27T20:56:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/artificial-intelligence-is-a-part-of-housings-future/</loc>
		<lastmod>2025-08-22T15:17:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/nhc-applauds-senate-banking-committees-bipartisan-road-to-housing-act/</loc>
		<lastmod>2025-07-25T20:42:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/national-housing-conference-applauds-senate-appropriations-committees-strong-bipartisan-fy2026-thud-bill/</loc>
		<lastmod>2025-07-24T20:26:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/liifs-dan-nissenbaum-discusses-how-cdfis-drive-affordable-housing-and-economic-opportunity/</loc>
		<lastmod>2025-08-21T17:42:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/the-case-for-home-dont-pull-the-plug-on-a-proven-housing-power/</loc>
		<lastmod>2025-08-22T15:16:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/the-case-for-home-dont-let-congress-pull-the-plug-on-a-proven-local-housing-solution/</loc>
		<lastmod>2025-07-21T23:36:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/why-fhfa-may-bet-on-csp-to-reform-fannie-freddie/</loc>
		<lastmod>2025-07-22T18:28:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/what-will-happen-to-mortgage-rates-after-inflation-went-up/</loc>
		<lastmod>2025-07-22T18:26:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/our-enemy-is-time-making-the-most-of-our-success-and-avoiding-failure-in-affordable-housing-needs-to-be-done-now/</loc>
		<lastmod>2025-08-22T15:15:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/publication/nhc-letter-to-senate-thud-subcommittee-chair-hyde-smith-about-fy-2026-funding/</loc>
		<lastmod>2025-07-11T20:50:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/publication/nhc-letter-to-senate-thud-subcommittee-ranking-member-gillibrand-about-fy-2026-funding/</loc>
		<lastmod>2025-07-11T20:50:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/publication/nhc-letter-to-house-thud-subcommittee-chair-womack-about-fy-2026-funding/</loc>
		<lastmod>2025-07-11T20:49:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/publication/nhc-letter-to-house-thud-subcommittee-ranking-member-clyburn-about-fy-2026-funding/</loc>
		<lastmod>2025-07-11T20:48:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/our-enemy-is-time-making-the-most-of-our-success-and-avoiding-failure-in-affordable-housing-needs-to-be-done-now/</loc>
		<lastmod>2025-07-14T16:49:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/conservatorship-crossroads-whats-next-for-fannie-mae-and-freddie-mac/</loc>
		<lastmod>2025-07-22T18:40:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/data-and-ais-role-in-housing-with-cotalitys-president-and-ceo-patrick-dodd/</loc>
		<lastmod>2025-08-21T17:21:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/detroits-land-bank-says-it-has-led-a-city-housing-revival-the-jury-is-still-out/</loc>
		<lastmod>2025-07-07T19:47:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/call-for-topics-panelists-join-the-conversation-at-nhcs-solutions-for-affordable-housing-convening/</loc>
		<lastmod>2025-08-22T15:14:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/one-big-beautiful-win-house-advances-budget-bill-for-trumps-signature/</loc>
		<lastmod>2025-07-07T19:47:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/here-are-the-real-estate-measures-in-trumps-big-beautiful-bill/</loc>
		<lastmod>2025-07-07T19:46:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/happy-july-fourth-for-housing-groups-as-tax-bill-passes/</loc>
		<lastmod>2025-07-07T19:45:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/house-passes-sweeping-bill-with-lihtc-provisions-2/</loc>
		<lastmod>2025-07-07T19:44:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/house-passes-sweeping-bill-with-lihtc-provisions/</loc>
		<lastmod>2025-07-07T19:44:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/national-housing-conference-applauds-housing-wins-in-the-newly-passed-reconciliation-package/</loc>
		<lastmod>2025-07-03T18:37:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/yes-its-a-big-beautiful-bill-for-the-real-estate-industry-at-least/</loc>
		<lastmod>2025-07-22T19:05:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/michigans-bold-housing-solutions-expand-access-and-partnerships/</loc>
		<lastmod>2025-08-22T15:13:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/fannie-mae-freddie-mac-revamp-jv-as-fintech-venture/</loc>
		<lastmod>2025-07-22T18:46:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/pulte-brings-fannie-freddie-together-to-talk-deregulation/</loc>
		<lastmod>2025-07-22T18:42:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/michigans-bold-housing-solutions-expand-access-and-partnerships/</loc>
		<lastmod>2025-06-29T20:35:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/housing-leaders-advocates-and-officials-unite-in-detroit-to-advance-black-homeownership/</loc>
		<lastmod>2025-08-22T15:12:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/housing-leaders-advocates-and-officials-unite-in-detroit-to-advance-black-homeownership/</loc>
		<lastmod>2025-06-22T20:40:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/national-housing-conference-outlines-goals-of-gse-privatization/</loc>
		<lastmod>2025-06-20T14:19:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/downpayment-assistance-programs-gain-importance-if-federal-funding-falters/</loc>
		<lastmod>2025-07-22T18:57:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/fannie-freddie-need-rules-to-avoid-race-to-the-bottom-nhc-says/</loc>
		<lastmod>2025-06-20T14:16:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/publication/moving-forward-administrative-recapitalization-and-release-from-conservatorship-for-fannie-mae-and-freddie-mac-2/</loc>
		<lastmod>2025-06-20T15:17:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/potential-end-to-gse-conservatorships-must-navigate-race-to-the-bottom-nhc-says/</loc>
		<lastmod>2025-06-20T14:14:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/new-report-outlines-conditions-for-administrative-action-to-release-fannie-mae-and-freddie-mac-from-conservatorship/</loc>
		<lastmod>2025-06-17T15:19:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/publication/moving-forward-administrative-recapitalization-and-release-from-conservatorship-for-fannie-mae-and-freddie-mac/</loc>
		<lastmod>2025-06-20T15:15:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/why-congress-crypto-fight-is-still-just-beginning/</loc>
		<lastmod>2025-06-20T14:18:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/housing-leaders-advocates-and-officials-unite-in-detroit-to-advance-black-homeownership/</loc>
		<lastmod>2025-06-16T20:12:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/heres-how-trumps-big-beautiful-bill-would-impact-housing/</loc>
		<lastmod>2025-06-16T19:40:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/trump-has-a-plan-to-remake-the-housing-finance-system-its-baffling-to-many-lawmakers-and-experts/</loc>
		<lastmod>2025-06-16T19:42:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/hud-secretary-turner-delivers-remarks-at-nhcs-housing-visionary-awards-gala/</loc>
		<lastmod>2025-06-30T17:25:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/hud-secretary-turner-delivers-remarks-at-nhcs-housing-visionary-awards-gala-attendees/</loc>
		<lastmod>2025-06-15T20:15:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/michael-novogradac-talks-housing-tax-incentives-and-opportunity-zones/</loc>
		<lastmod>2025-08-21T17:43:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/honoring-excellence-at-the-sold-out-annual-housing-visionary-awards-gala/</loc>
		<lastmod>2025-06-23T15:11:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/hud-and-the-fhfa-are-changing-heres-everything-you-need-to-know/</loc>
		<lastmod>2025-07-22T18:59:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/honoring-excellence-at-the-sold-out-annual-housing-visionary-awards-gala/</loc>
		<lastmod>2025-06-06T15:07:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/how-state-hfas-are-addressing-the-affordable-housing-shortage/</loc>
		<lastmod>2025-08-21T17:43:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/an-end-to-conservatorship-for-fannie-and-freddie-builds-momentum-with-potus-encouragement/</loc>
		<lastmod>2025-06-23T15:10:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/an-end-to-conservatorship-for-fannie-and-freddie-builds-momentum-with-potus-encouragement/</loc>
		<lastmod>2025-06-01T20:00:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/positioning-america-for-success-environment-matters/</loc>
		<lastmod>2025-05-26T15:16:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/positioning-america-for-success-environment-matters/</loc>
		<lastmod>2025-06-23T15:09:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/nars-shannon-mcgahn-talks-navigating-washington-for-housing-solutions/</loc>
		<lastmod>2025-06-24T19:07:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/1-million-new-rental-units-possible-in-house-tax-bill/</loc>
		<lastmod>2025-05-18T19:55:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/1-million-new-rental-units-possible-in-house-tax-bill/</loc>
		<lastmod>2025-06-23T15:08:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/mba-and-nhc-express-support-for-housing-provisions-in-gop-tax-bill/</loc>
		<lastmod>2025-05-15T15:44:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/nhc-president-ceo-david-dworkin-strongly-supports-housing-provisions-in-the-house-ways-and-means-tax-reform-bill/</loc>
		<lastmod>2025-05-13T20:37:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/a-conversation-with-marc-morial-national-urban-league/</loc>
		<lastmod>2025-06-24T19:07:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/building-the-american-dream-together-a-bipartisan-legacy-of-housing-progress/</loc>
		<lastmod>2025-05-11T20:00:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/building-the-american-dream-together-a-bipartisan-legacy-of-housing-progress/</loc>
		<lastmod>2025-06-23T15:08:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/nhc-president-and-ceo-david-dworkin-applauds-nomination-of-jonathan-mckernan-as-under-secretary-of-treasury-for-domestic-finance/</loc>
		<lastmod>2025-05-09T20:16:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/jonathan-mckernan-nominated-for-treasury-role-out-as-cfpb-nominee/</loc>
		<lastmod>2025-07-22T19:00:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/cities-are-concerned-about-the-depth-of-proposed-hud-cuts/</loc>
		<lastmod>2025-05-07T16:39:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/trump-wants-to-cut-rental-assistance-his-first-term-budget-requests-show-hes-serious/</loc>
		<lastmod>2025-05-07T16:38:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/former-senator-mel-martinez-talks-housing-policy-bipartisanship-and-the-path-forward/</loc>
		<lastmod>2025-06-24T19:07:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/proposed-hud-budget-cuts-raise-alarm-bells-among-affordable-housing-leaders/</loc>
		<lastmod>2025-05-07T16:42:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/housing-and-the-next-100-days-of-the-second-trump-administration/</loc>
		<lastmod>2025-06-23T15:07:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/housing-and-the-next-100-days-of-the-second-trump-administration/</loc>
		<lastmod>2025-05-04T20:20:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/trumps-budget-request-seeks-33b-in-hud-cuts/</loc>
		<lastmod>2025-05-02T21:19:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/nhc-president-and-ceo-david-m-dworkin-warns-impact-of-president-trumps-2026-housing-budget-will-drive-up-homelessness-and-force-many-apartment-owners-out-of-business/</loc>
		<lastmod>2025-05-02T20:06:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/budget-proposal-slashes-hud-programs/</loc>
		<lastmod>2025-05-07T16:44:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/where-does-jonathan-mckernans-cfpb-nomination-stand/</loc>
		<lastmod>2025-05-07T16:43:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/todays-gdp-number-is-not-an-indicator-of-a-coming-recession/</loc>
		<lastmod>2025-04-30T20:50:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/reimagining-public-housing-a-conversation-with-renee-lewis-glover/</loc>
		<lastmod>2025-06-24T19:07:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/dont-miss-the-housing-event-of-the-year/</loc>
		<lastmod>2025-06-23T15:06:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/publication/nhc-advocates-to-strengthen-and-streamline-the-home-program/</loc>
		<lastmod>2025-04-25T21:15:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/dont-miss-the-housing-event-of-the-year/</loc>
		<lastmod>2025-04-28T16:14:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/funding-cuts-to-neighborworks-worry-affordable-housing-groups/</loc>
		<lastmod>2025-05-07T16:48:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/is-doge-coming-after-neighborworks/</loc>
		<lastmod>2025-05-07T17:26:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/nahbs-jim-tobin-discusses-tariffs-regulations-and-immigrations-impact-on-housing/</loc>
		<lastmod>2025-06-24T19:07:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/doge-activities-at-neighborworks-america-sparks-nhc-call-to-action/</loc>
		<lastmod>2025-06-27T15:24:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/doge-activities-at-neighborworks-america-sparks-nhc-call-to-action/</loc>
		<lastmod>2025-04-18T22:09:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/doge-activities-at-neighborworks-america-sparks-nhc-call-to-action/</loc>
		<lastmod>2025-04-20T23:53:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/doge-activities-at-neighborworks-america-sparks-nhc-call-to-action-2/</loc>
		<lastmod>2025-04-24T13:36:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/democrats-question-legality-of-fannie-freddie-board-purges/</loc>
		<lastmod>2025-05-07T18:04:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/unlocking-latino-homeownership-with-unidosus-laura-arce/</loc>
		<lastmod>2025-06-24T19:07:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/in-a-time-of-radical-change-focus-on-solutions-more-important-than-ever/</loc>
		<lastmod>2025-04-13T20:07:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/in-a-time-of-radical-change-focusing-on-solutions-is-more-important-than-ever/</loc>
		<lastmod>2025-05-07T14:32:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/these-are-the-housing-bills-now-in-front-of-congress/</loc>
		<lastmod>2025-04-11T02:48:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/nhc-president-and-ceo-david-m-dworkin-issues-statement-on-reintroduction-of-the-neighborhood-homes-investment-act/</loc>
		<lastmod>2025-04-11T14:03:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/nhc-president-and-ceo-david-m-dworkin-delivers-opening-remarks-at-solutions-for-housing-communications-convening/</loc>
		<lastmod>2025-04-10T19:00:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/nfhas-lisa-rice-on-civil-rights-and-housing-justice/</loc>
		<lastmod>2025-06-24T19:07:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/effective-communications-on-affordable-housing-is-more-critical-than-ever/</loc>
		<lastmod>2025-05-07T14:31:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/effective-communication-on-affordable-housing-is-more-critical-than-ever/</loc>
		<lastmod>2025-04-06T21:21:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/what-government-layoffs-could-mean-for-your-mortgage/</loc>
		<lastmod>2025-04-01T16:25:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/growing-diverse-markets-is-in-everyones-interest/</loc>
		<lastmod>2025-03-30T22:16:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/growing-diverse-markets-is-in-everyones-interest/</loc>
		<lastmod>2025-05-07T14:30:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/nhc-president-and-ceo-david-m-dworkin-issues-statement-on-intent-to-rescind-cra-final-rule/</loc>
		<lastmod>2025-03-28T22:07:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/trumps-fhfa-could-rein-in-fannie-and-freddies-high-end-lending/</loc>
		<lastmod>2025-05-07T18:09:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/what-role-do-fannie-mae-and-freddie-mac-play-in-the-u-s-mortgage-market/</loc>
		<lastmod>2025-03-25T17:27:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/nhc-strengthens-its-expertise-with-four-new-board-members/</loc>
		<lastmod>2025-03-25T17:25:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/us-could-sweep-fannie-freddie-stakes-into-sovereign-wealth-fund/</loc>
		<lastmod>2025-05-07T18:10:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/unlocking-affordable-housing-solutions-how-member-banks-leverage-federal-home-loan-banks/</loc>
		<lastmod>2025-06-24T19:07:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/what-we-know-about-fannie-and-freddie-as-we-begin-the-10th-week-of-revolutionary-change/</loc>
		<lastmod>2025-03-24T13:37:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/what-we-know-about-fannie-and-freddie-as-we-begin-the-10th-week-of-revolutionary-change/</loc>
		<lastmod>2025-05-07T14:29:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/shock-and-awe-in-the-pottery-barn-day-55/</loc>
		<lastmod>2025-03-18T18:48:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/shock-and-awe-in-the-pottery-barn-day-55/</loc>
		<lastmod>2025-05-07T14:29:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/bill-mcbride-of-the-calculatedrisk-blog-talks-economic-trends-mortgage-rates-housing-policy/</loc>
		<lastmod>2025-06-24T19:07:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/communicating-about-affordable-housing-has-never-been-more-important/</loc>
		<lastmod>2025-05-07T14:28:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/communicating-about-affordable-housing-has-never-been-more-important/</loc>
		<lastmod>2025-03-09T19:54:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/john-ocallaghan/</loc>
		<lastmod>2025-06-24T19:07:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/jonathan-mckernan-and-bill-pulte-discuss-the-future-of-cfpb-and-fhfa/</loc>
		<lastmod>2025-03-03T00:24:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/jonathan-mckernan-and-bill-pulte-discuss-the-future-of-cfpb-and-fhfa/</loc>
		<lastmod>2025-05-07T14:26:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/leading-housing-groups-strongly-support-jonathan-mckernan-for-cfpb-director/</loc>
		<lastmod>2025-02-25T18:37:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/housing-leaders-urge-swift-confirmation-of-bill-pulte-as-fhfa-director/</loc>
		<lastmod>2025-02-25T18:38:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/publication/leading-housing-groups-strongly-support-jonathan-mckernan-for-cfpb-director/</loc>
		<lastmod>2025-02-25T15:51:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/publication/housing-industry-leaders-support-the-confirmation-for-bill-pulte-as-director-for-federal-housing-finance-agency/</loc>
		<lastmod>2025-02-25T15:54:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/doges-moves-could-destabilize-mortgage-finance-system/</loc>
		<lastmod>2025-05-07T18:11:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/shock-and-awe-day-35/</loc>
		<lastmod>2025-02-23T21:47:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/shock-and-awe-day-35/</loc>
		<lastmod>2025-03-13T15:55:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/hud-cuts-expected-to-worsen-americas-housing-crisis-staffers-say/</loc>
		<lastmod>2025-02-24T14:19:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/ginnie-mae-stalwart-of-mortgage-market-squeezed-by-doge/</loc>
		<lastmod>2025-02-21T19:52:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/the-cost-of-withholding-federal-grants-housing-homelessness-and-economic-impact/</loc>
		<lastmod>2025-03-13T15:56:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/the-cost-of-withholding-federal-grants-housing-homelessness-and-economic-impact/</loc>
		<lastmod>2025-02-18T16:34:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/heirs-property-and-the-preservation-of-generational-wealth/</loc>
		<lastmod>2025-06-24T19:07:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/industry-leaders-and-experts-examine-fhlbanks-impact-on-affordable-housing-and-community-investment/</loc>
		<lastmod>2025-02-12T17:36:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/a-conversation-with-matt-cullen-former-executive-of-dan-gilberts-family-of-companies/</loc>
		<lastmod>2025-06-24T19:07:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/explore-nhcs-housing-resource-center-for-up-to-date-federal-policy-news-and-resources/</loc>
		<lastmod>2025-03-13T15:54:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/explore-nhcs-housing-resource-center-for-up-to-date-federal-policy-news-and-resources/</loc>
		<lastmod>2025-02-18T16:34:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/national-housing-conference-issues-statement-on-scott-turners-confirmation-as-hud-secretary/</loc>
		<lastmod>2025-02-05T21:12:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/housing-leaders-and-civil-rights-advocates-to-be-honored-at-the-national-housing-conferences-annual-gala/</loc>
		<lastmod>2025-02-03T18:11:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/a-conversation-with-ann-olivia-national-alliance-to-end-homelessness/</loc>
		<lastmod>2025-06-24T19:07:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/shock-and-awe-week-2/</loc>
		<lastmod>2025-03-13T15:54:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/shock-and-awe-week-2/</loc>
		<lastmod>2025-02-03T14:51:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/a-conversation-with-ed-brady-home-builders-institute/</loc>
		<lastmod>2025-06-24T19:07:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/learn-how-the-fhlbanks-are-supporting-housing-and-community-investment-at-this-cant-miss-event/</loc>
		<lastmod>2025-02-10T03:25:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/learn-how-the-fhlbanks-are-supporting-housing-and-community-investment-at-this-cant-miss-event/</loc>
		<lastmod>2025-01-26T21:21:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/trumps-hud-seeks-to-eliminate-climate-change-and-bias-initiatives/</loc>
		<lastmod>2025-01-22T15:45:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/a-conversation-with-sharon-wilson-geno-national-multifamily-housing-council/</loc>
		<lastmod>2025-06-24T19:07:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/the-other-america-3/</loc>
		<lastmod>2025-01-20T19:08:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/the-other-america-3/</loc>
		<lastmod>2025-02-10T03:24:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/mortgage-industry-reacts-to-fhfa-pulte-nomination/</loc>
		<lastmod>2025-01-22T15:47:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/national-housing-conference-issues-statement-on-the-nomination-of-bill-pulte-for-fhfa-director/</loc>
		<lastmod>2025-01-16T20:34:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/event/gala2025/</loc>
		<lastmod>2025-12-29T20:10:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/trump-nominates-bill-pulte-as-director-of-the-federal-housing-finance-agency/</loc>
		<lastmod>2025-01-22T15:50:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/trump-nominates-homebuilder-scion-to-oversee-fannie-freddie/</loc>
		<lastmod>2025-01-22T15:48:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/trump-selects-private-equity-ceo-pulte-as-top-housing-regulator/</loc>
		<lastmod>2025-01-22T15:43:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/trumps-housing-pick-emphasizes-need-to-build-more-affordable-housing/</loc>
		<lastmod>2025-01-22T15:39:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/fhfa-enters-new-era-as-chief-quietly-plans-departure/</loc>
		<lastmod>2025-01-15T23:10:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/a-fireside-chat-with-senator-mark-warner-d-va/</loc>
		<lastmod>2025-06-24T19:07:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/warren-set-to-press-turner-on-range-of-hud-issues/</loc>
		<lastmod>2025-01-14T15:15:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/four-wins-for-president-trump-and-housing-that-can-help-define-his-second-term/</loc>
		<lastmod>2025-02-10T03:24:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/four-wins-for-president-trump-and-housing-that-can-help-define-his-second-term/</loc>
		<lastmod>2025-01-13T16:45:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/event/from-insights-to-action-data-informed-strategy-in-housing-and-community-development/</loc>
		<lastmod>2025-01-30T19:12:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/national-housing-conference-welcomes-britt-van-as-its-new-senior-policy-director/</loc>
		<lastmod>2025-01-07T14:24:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/a-conversation-with-congresswoman-debbie-dingell/</loc>
		<lastmod>2025-06-24T19:07:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/a-lifetime-of-housing-advocacy-and-accomplishment-jimmy-carter-1924-2024/</loc>
		<lastmod>2025-02-18T17:07:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/a-lifetime-of-housing-advocacy-and-accomplishment-jimmy-carter-1924-2024/</loc>
		<lastmod>2025-01-07T14:44:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/what-higher-for-longer-rates-mean-for-housing-according-to-experts/</loc>
		<lastmod>2024-12-18T20:41:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/statement-by-nhc-president-and-ceo-david-dworkin-in-response-to-the-federal-reserve-interest-rate-cut/</loc>
		<lastmod>2024-12-18T19:57:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/a-conversation-with-bill-emerson-rocket-companies/</loc>
		<lastmod>2025-06-24T19:07:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/a-critical-moment-for-housing-navigating-change-and-opportunity-in-2025/</loc>
		<lastmod>2024-12-18T20:53:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/event/federal-home-loan-banks-shaping-the-future-of-affordable-housing-and-community-investment/</loc>
		<lastmod>2025-02-28T16:05:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/a-critical-moment-for-housing-navigating-change-opportunity-and-unity-in-2025/</loc>
		<lastmod>2024-12-16T18:23:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/event/solutions-for-affordable-housing/</loc>
		<lastmod>2025-12-29T18:24:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/a-conversation-with-bob-broeksmit-mortgage-bankers-association/</loc>
		<lastmod>2025-06-24T19:07:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nearly-400-housers-gather-to-discuss-todays-critical-housing-issues/</loc>
		<lastmod>2024-12-18T20:53:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/nearly-400-housers-gather-to-discuss-todays-critical-housing-issues/</loc>
		<lastmod>2024-12-09T01:33:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/a-conversation-with-adrianne-todman-hud-agency-head/</loc>
		<lastmod>2025-06-24T19:07:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/atlantans-brace-for-impact-of-trumps-hud/</loc>
		<lastmod>2024-11-27T19:31:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/housing-opportunities-and-risks-in-a-new-trump-administration/</loc>
		<lastmod>2024-12-18T20:52:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/housing-opportunities-and-risks-in-a-new-trump-administration/</loc>
		<lastmod>2025-01-12T16:04:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/trump-picks-scott-turner-little-known-official-from-first-term-to-lead-hud/</loc>
		<lastmod>2024-11-23T17:01:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/national-housing-conference-issues-statement-on-the-omination-of-scott-turner-for-hud-secretary/</loc>
		<lastmod>2024-11-23T02:40:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/trump-selects-former-nfl-player-scott-turner-to-lead-housing-agency/</loc>
		<lastmod>2024-11-23T17:00:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/trump-names-scott-turner-the-new-hud-secretary/</loc>
		<lastmod>2024-11-23T16:59:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/the-future-of-housing-policy-under-a-new-administration/</loc>
		<lastmod>2025-06-24T19:07:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/deja-vu-all-over-again-gse-reform-in-a-second-trump-administration/</loc>
		<lastmod>2024-12-18T20:51:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/study-says-40-of-us-households-cannot-afford-to-buy-a-home-need-at-least-108k-salary/</loc>
		<lastmod>2024-11-18T17:45:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/deja-vu-all-over-again-gse-reform-in-a-second-trump-administration/</loc>
		<lastmod>2024-11-17T21:00:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/what-to-expect-from-a-second-trump-term/</loc>
		<lastmod>2024-11-15T18:59:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/could-trump-lower-mortgage-rates-what-you-need-to-know/</loc>
		<lastmod>2024-11-13T18:13:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/bipartisan-housing-solutions-for-the-first-100-days-of-2025/</loc>
		<lastmod>2024-12-18T20:50:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/bipartisan-housing-solutions-for-the-first-100-days-of-2025/</loc>
		<lastmod>2024-11-11T23:31:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/why-former-ginnie-mae-chief-is-reviving-the-fha-0-down-idea/</loc>
		<lastmod>2024-11-06T21:11:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/6-ways-a-second-trump-presidency-will-affect-home-buyers-and-sellers/</loc>
		<lastmod>2024-11-07T18:11:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/trumps-presidency-signals-new-regulatory-era-for-mortgages/</loc>
		<lastmod>2024-11-07T14:44:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/will-housing-win-the-2024-election/</loc>
		<lastmod>2024-12-18T20:49:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/will-housing-win-the-2024-election/</loc>
		<lastmod>2024-11-03T21:36:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/whats-next-for-housing-nhc-leaders-talk-policy-priorities-and-election-impact/</loc>
		<lastmod>2025-06-24T19:07:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/roland-martin-david-dworkin-discuss-the-harris-housing-plan-affordable-housing-crisis/</loc>
		<lastmod>2024-12-18T20:47:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/will-anything-in-the-project-2025-housing-plan-come-to-fruition/</loc>
		<lastmod>2024-11-04T21:32:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/roland-martin-and-david-dworkin-talk-about-the-harris-housing-plan-and-the-affordable-housing-shortage-on-roland-martin-unfiltered/</loc>
		<lastmod>2024-10-27T20:14:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/can-kamala-harris-fix-the-housing-market/</loc>
		<lastmod>2024-10-23T13:47:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/roland-on-the-road-in-texas-talking-2024-elections/</loc>
		<lastmod>2024-10-22T20:12:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/empowering-consumers-data-transparency-in-housing-decisions/</loc>
		<lastmod>2025-06-24T19:07:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/how-detroits-comeback-inspired-kamala-harriss-housing-plan/</loc>
		<lastmod>2024-10-21T14:06:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/getting-rental-housing-right/</loc>
		<lastmod>2024-10-24T22:05:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/getting-rental-housing-right/</loc>
		<lastmod>2024-10-20T22:01:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/we-need-a-new-consensus-on-dealing-with-climate-change-now/</loc>
		<lastmod>2024-10-24T22:03:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/a-conversation-with-benson-buzz-roberts/</loc>
		<lastmod>2025-06-24T19:07:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/we-need-a-new-consensus-on-dealing-climate-change-now/</loc>
		<lastmod>2024-10-15T14:52:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/the-servicing-risks-that-keep-federal-officials-up-at-night/</loc>
		<lastmod>2024-10-16T13:29:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/neither-harris-nor-trump-can-fix-gen-zs-top-voting-concern/</loc>
		<lastmod>2024-10-16T13:33:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/tangible-impactful-achievable-a-must-attend-event-for-housing-advocates/</loc>
		<lastmod>2024-10-24T22:02:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/tangible-impactful-achievable-a-must-attend-event-for-housing-advocates/</loc>
		<lastmod>2024-10-06T18:32:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/boston-suburbs-housing-battle-with-state-echoes-national-issues/</loc>
		<lastmod>2024-10-03T13:37:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/the-civil-rights-issue-of-our-generation-a-battle-over-housing-erupts-in-massachusetts/</loc>
		<lastmod>2024-10-01T14:46:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/evolving-mortgage-markets-ginnie-mae-imbs-and-borrower-access-to-affordable-housing/</loc>
		<lastmod>2024-10-24T22:00:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/what-trump-and-harris-say-theyll-do-to-fix-the-high-cost-of-housing-and-whats-worked-in-the-past/</loc>
		<lastmod>2024-09-30T18:29:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/evolving-mortgage-markets-ginnie-mae-imbs-and-borrower-access-to-affordable-housing/</loc>
		<lastmod>2024-09-29T20:10:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/could-nars-new-commission-rules-hurt-black-homebuyers/</loc>
		<lastmod>2024-09-27T13:47:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/how-housing-costs-are-shaping-house-and-senate-races/</loc>
		<lastmod>2024-09-23T13:56:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/the-ivory-prize-a-call-for-innovative-solutions/</loc>
		<lastmod>2024-09-30T18:31:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/the-ivory-prize-a-call-for-innovative-solutions/</loc>
		<lastmod>2024-09-23T01:46:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/what-a-half-point-cut-means-for-housing-according-to-experts/</loc>
		<lastmod>2024-09-18T21:10:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/fed-rate-cuts-poised-to-reshape-housing-market-potentially-easing-inflation-nhc-president-and-ceo-david-m-dworkin-says/</loc>
		<lastmod>2024-09-18T18:18:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/the-mortgage-industry-reacts-to-the-big-benchmark-interest-rate-cut/</loc>
		<lastmod>2024-09-19T21:49:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/rent-outpaces-home-values-as-americas-housing-squeeze-tightens/</loc>
		<lastmod>2024-09-19T18:20:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/fed-cuts-rates-for-first-time-in-four-years/</loc>
		<lastmod>2024-09-19T18:32:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/a-conversation-with-dennis-shea-bipartisan-policy-center/</loc>
		<lastmod>2025-06-24T19:07:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/fed-to-make-major-improvements-to-capital-rule/</loc>
		<lastmod>2024-09-30T18:32:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/fed-to-make-major-improvements-to-capital-rule/</loc>
		<lastmod>2024-09-15T20:10:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/fed-to-cut-biggest-banks-capital-hike-by-half-in-overhaul/</loc>
		<lastmod>2024-09-11T15:14:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/common-sense-has-prevailed-as-basel-endgame-proposal-will-be-revised/</loc>
		<lastmod>2024-09-17T14:47:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/why-kamala-harris-will-be-a-yimby-president/</loc>
		<lastmod>2024-09-11T15:16:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/nhc-commends-regulators-for-revising-basel-iii-endgame-proposal-to-protect-access-to-homeownership-and-community-development/</loc>
		<lastmod>2024-09-10T15:05:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/national-housing-conference-and-ice-host-industry-leaders-and-experts-to-explore-technologys-transformative-impact-on-housing-finance/</loc>
		<lastmod>2024-09-10T16:57:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/cfpb-exploring-ways-to-help-spur-more-refinances-chopra-says/</loc>
		<lastmod>2024-09-17T14:48:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/chopra-technology-may-cut-both-ways-as-refinancing-returns/</loc>
		<lastmod>2024-09-17T14:48:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/cfpb-director-open-to-changing-mortgage-regs-to-fix-refi-process/</loc>
		<lastmod>2024-10-03T20:10:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/shaping-the-future-a-critical-time-for-housing-and-nhc/</loc>
		<lastmod>2024-09-12T19:34:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/shaping-the-future-a-critical-time-for-housing-and-nhc/</loc>
		<lastmod>2024-09-09T16:05:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/how-do-harris-and-trump-propose-to-make-housing-affordable/</loc>
		<lastmod>2024-09-17T17:24:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/a-conversation-with-the-honorable-julia-gordon-assistant-secretary-for-housing-and-federal-housing-commissioner/</loc>
		<lastmod>2025-06-24T19:07:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/the-harris-walz-housing-plan-detailed-serious-and-impactful/</loc>
		<lastmod>2024-09-12T19:33:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/the-harris-walz-housing-plan-detailed-serious-and-impactful/</loc>
		<lastmod>2024-09-04T21:21:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/how-kamala-harris-25k-down-payment-assistance-plan-could-work/</loc>
		<lastmod>2024-08-22T17:50:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/a-conversation-with-michael-pugh-local-initiatives-support-corporation-lisc/</loc>
		<lastmod>2025-06-24T19:07:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/event/innovation-exchange-with-mayors-sharing-solutions-for-housing-affordability/</loc>
		<lastmod>2025-12-29T18:18:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/affordable-housing-statistics-our-2024-report-2/</loc>
		<lastmod>2024-09-17T15:49:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/white-house-gop-push-new-remedy-for-housing-selling-federal-land/</loc>
		<lastmod>2024-10-02T14:31:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/what-the-loss-of-chevron-deference-means-for-the-housing-industry/</loc>
		<lastmod>2024-09-12T19:32:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/what-the-loss-of-chevron-deference-means-for-the-housing-industry/</loc>
		<lastmod>2024-08-06T17:25:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/wisconsin-voters-seethe-over-out-of-control-housing-prices/</loc>
		<lastmod>2024-08-02T18:06:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/event/revolutionizing-homeownership-innovations-in-mortgage-tech-ai-and-data/</loc>
		<lastmod>2025-12-29T18:20:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/a-conversation-with-tia-boatman-patterson-california-community-reinvestment-corporation/</loc>
		<lastmod>2025-06-24T19:07:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/regardless-of-the-election-outcomes-there-could-be-big-housing-wins-in-2025/</loc>
		<lastmod>2024-09-12T19:14:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/regardless-of-the-election-outcomes-there-could-be-big-housing-wins-in-2025/</loc>
		<lastmod>2024-07-28T20:25:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/housing-the-issue-everyone-is-thinking-about-but-not-talking-about/</loc>
		<lastmod>2024-07-26T19:54:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/newsom-orders-removal-of-thousands-of-homeless-encampments/</loc>
		<lastmod>2024-07-25T17:33:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/affordable-housing-statistics-our-2024-report/</loc>
		<lastmod>2024-07-24T21:45:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/what-a-kamala-harris-presidency-could-mean-for-housing/</loc>
		<lastmod>2024-07-23T13:28:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/nhc-president-and-ceo-reacts-to-president-bidens-decision-to-not-seek-reelection/</loc>
		<lastmod>2024-07-21T22:57:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/who-is-j-d-vance-and-what-does-he-think-about-housing/</loc>
		<lastmod>2024-07-21T22:55:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/who-is-j-d-vance-and-what-does-he-think-about-housing/</loc>
		<lastmod>2024-08-09T15:08:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/biden-proposes-rent-cap-for-apartments-with-50-or-more-units-as-housing-crisis-mounts/</loc>
		<lastmod>2024-07-17T14:42:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/biden-calls-for-national-rent-control-on-corporate-landlords/</loc>
		<lastmod>2024-07-16T16:50:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/biden-to-propose-capping-national-rent-increases-at-5/</loc>
		<lastmod>2024-07-16T16:50:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/biden-to-call-for-corporate-landlords-to-cap-rent-increases-at-5/</loc>
		<lastmod>2024-07-16T16:52:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/rent-caps-dont-work-and-will-have-a-chilling-effect-on-housing-supply-says-david-m-dworkin-nhc-president-and-ceo/</loc>
		<lastmod>2024-07-15T23:05:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/the-state-of-the-housing-market-with-cnbcs-diana-olick/</loc>
		<lastmod>2025-06-24T19:07:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/affordable-for-who/</loc>
		<lastmod>2024-07-14T22:58:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/affordable-for-who/</loc>
		<lastmod>2024-08-09T15:08:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhcs-member-brief/</loc>
		<lastmod>2024-08-09T15:07:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/national-housing-conference-strengthens-board-with-new-leaders-sustains-diversity-and-expertise/</loc>
		<lastmod>2024-07-03T14:45:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/event/sustainability-and-servicing-making-homeownership-happen/</loc>
		<lastmod>2025-12-29T18:28:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/a-conversation-with-marietta-rodriguez-neighborworks-america/</loc>
		<lastmod>2025-06-24T19:07:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/comparing-the-current-housing-market-to-the-1978-to-1982-period/</loc>
		<lastmod>2024-06-30T22:45:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/comparing-the-current-housing-market-to-the-1978-to-1982-period/</loc>
		<lastmod>2024-08-09T15:06:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/supreme-court-decision-on-criminalizing-homelessness-a-tragic-failure-of-governance-says-david-m-dworkin-president-and-ceo-of-the-national-housing-conference/</loc>
		<lastmod>2024-06-28T15:36:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/event/solutions-for-housing-communications-3/</loc>
		<lastmod>2025-04-14T19:29:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/across-the-aisle-americans-look-to-congress-to-address-housing-opinion/</loc>
		<lastmod>2024-06-25T13:21:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/black-homeownership-collaborative-third-anniversary-celebration/</loc>
		<lastmod>2024-06-23T17:20:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/black-homeownership-collaborative-third-anniversary-celebration/</loc>
		<lastmod>2024-08-09T15:05:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/housing-leaders-meet-in-washington-dc-to-celebrate-3rd-anniversary-of-black-homeownership-collaboratives-3by30-initiative/</loc>
		<lastmod>2024-06-18T18:18:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/hud-provides-10m-in-grants-to-promote-housing-counseling/</loc>
		<lastmod>2024-06-21T17:14:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/74-of-americans-worried-about-housing-affordability/</loc>
		<lastmod>2024-06-30T22:52:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/74-of-americans-worried-about-housing-affordability/</loc>
		<lastmod>2024-06-16T16:24:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/honing-housers-driving-interest-in-housing-and-community-development-careers/</loc>
		<lastmod>2025-06-24T19:07:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/nearly-3-in-4-adults-feel-lack-of-affordable-homes-a-significant-u-s-problem/</loc>
		<lastmod>2024-06-10T18:20:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nothing-succeeds-like-success/</loc>
		<lastmod>2024-06-30T22:51:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/nothing-succeeds-like-success/</loc>
		<lastmod>2024-06-07T18:44:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/event/black-homeownership-collaborative-third-anniversary-event/</loc>
		<lastmod>2024-06-20T18:45:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/a-conversation-with-ralph-perrey-tennessee-housing-development-agency/</loc>
		<lastmod>2025-06-24T19:07:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/time-running-out-for-non-members-to-access-nhcs-housing-resource-center/</loc>
		<lastmod>2024-06-30T22:50:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/time-running-out-for-non-members-to-access-nhcs-housing-resource-center/</loc>
		<lastmod>2024-06-02T21:07:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/role-of-real-estate-agents-important-part-of-first-time-homebuying/</loc>
		<lastmod>2024-06-30T22:49:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/role-of-real-estate-agents-important-part-of-first-time-homebuying/</loc>
		<lastmod>2024-05-28T01:12:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/housing-costs-price-families-out-of-neighborhood-schools-straining-richardson-isd-budget/</loc>
		<lastmod>2024-05-28T16:23:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/fines-tickets-and-arrests-wont-solve-homelessness/</loc>
		<lastmod>2024-06-30T22:48:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/fines-tickets-and-arrests-wont-solve-homelessness/</loc>
		<lastmod>2024-05-19T19:41:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/worst-in-generations-plenty-of-barriers-confront-affordable-and-workforce-housing-efforts/</loc>
		<lastmod>2024-05-28T16:21:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/the-state-of-native-housing-programs-policy-and-practices-on-tribal-lands/</loc>
		<lastmod>2025-06-24T19:07:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/celebrate-leadership-excellence-at-nhcs-annual-housing-visionary-awards-gala/</loc>
		<lastmod>2024-06-30T22:47:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/celebrate-leadership-excellence-at-nhcs-annual-housing-visionary-awards-gala/</loc>
		<lastmod>2024-05-13T15:03:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/u-s-rents-have-grown-faster-than-wages-for-the-past-5-years/</loc>
		<lastmod>2024-05-10T02:43:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/event/project-destined-and-hpn-forging-new-pathways-in-affordable-housing-talent-development/</loc>
		<lastmod>2024-10-30T20:04:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/toil-and-trouble-inflation-interest-rates-and-the-2024-election/</loc>
		<lastmod>2024-05-23T02:10:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/toil-and-trouble-inflation-interest-rates-and-the-2024-election/</loc>
		<lastmod>2024-05-13T15:26:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/a-conversation-with-shaun-donovan-enterprise-community-partners-inc/</loc>
		<lastmod>2025-06-24T19:07:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/fhfa-releases-fair-lending-final-rule/</loc>
		<lastmod>2024-04-30T20:35:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/national-housing-conference-applauds-fhfas-new-rule-enhancing-fairness-in-the-housing-finance-sector/</loc>
		<lastmod>2024-04-30T20:33:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/fhfa-releases-final-rule-on-fair-lending-and-equitable-housing/</loc>
		<lastmod>2024-05-06T00:26:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/weekly-update-from-nhc/</loc>
		<lastmod>2024-05-23T02:09:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/nhc-applauds-president-mccargos-leadership-extends-congratulations-to-incoming-president-valverde/</loc>
		<lastmod>2024-04-24T20:19:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/come-celebrate-leadership-excellence-at-nhcs-annual-housing-visionary-awards-gala/</loc>
		<lastmod>2024-05-23T02:08:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/come-celebrate-leadership-excellence-at-nhcs-annual-housing-visionary-awards-gala/</loc>
		<lastmod>2024-04-30T18:40:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/navigating-multifamily-housing-dynamics/</loc>
		<lastmod>2025-06-24T19:07:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/affirmatively-furthering-fair-housing-will-change-peoples-lives-and-communities-for-the-better/</loc>
		<lastmod>2024-04-14T20:12:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/affirmatively-furthering-fair-housing-will-change-peoples-lives-and-communities-for-the-better/</loc>
		<lastmod>2024-04-30T18:44:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/announcing-your-new-go-to-resource-for-housing-policy/</loc>
		<lastmod>2024-04-22T13:43:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/event/15730/</loc>
		<lastmod>2024-04-19T16:48:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/announcing-your-new-go-to-resource-for-housing-policy/</loc>
		<lastmod>2024-04-07T20:07:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/national-housing-conference-unveils-new-housing-resource-center-redefining-access-to-federal-housing-policy-insights/</loc>
		<lastmod>2024-04-04T15:58:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/a-conversation-with-leah-rothstein-and-richard-rothstein/</loc>
		<lastmod>2025-06-24T19:07:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/supporting-the-housing-credit-at-a-critical-moment/</loc>
		<lastmod>2024-04-09T16:25:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/biden-administration-to-cap-rent-increases-for-some-affordable-housing-units/</loc>
		<lastmod>2024-03-30T01:53:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/supporting-the-housing-credit-at-a-critical-moment/</loc>
		<lastmod>2024-03-31T19:45:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/biden-administration-moves-to-cap-rent-hikes-at-tax-credit-financed-properties/</loc>
		<lastmod>2024-04-02T01:03:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/lansing-sees-increase-in-minority-home-ownership/</loc>
		<lastmod>2024-04-02T01:01:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/the-future-of-nhc-and-u-s-housing-policy/</loc>
		<lastmod>2024-07-31T16:31:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/the-future-of-nhc-and-u-s-housing-policy/</loc>
		<lastmod>2024-04-01T14:57:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/these-home-sellers-dont-want-to-pay-6-commissions-so-theyre-pushing-back/</loc>
		<lastmod>2024-03-22T22:24:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/national-housing-conference-bolsters-board-with-new-appointees-and-returning-members-sustains-diversity-and-expertise/</loc>
		<lastmod>2024-03-20T23:25:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/supply-takes-center-stage-in-washingtons-housing-push/</loc>
		<lastmod>2024-03-21T16:02:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/are-first-time-homebuyers-the-big-loser-in-the-nar-settlement/</loc>
		<lastmod>2024-03-28T01:50:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/are-first-time-homebuyers-the-big-loser-in-the-nar-settlement/</loc>
		<lastmod>2024-03-18T14:10:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/white-house-weighs-fudge-replacement-options-at-hud/</loc>
		<lastmod>2024-03-15T23:07:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/housing-sustainability-navigating-economic-challenges-for-homeowners/</loc>
		<lastmod>2025-06-24T19:07:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/https-www-seattletimes-com-nation-world-nation-hud-secretary-fudge-announces-resignation-in-late-march/</loc>
		<lastmod>2024-03-11T21:37:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/national-housing-conference-commends-secretary-fudge-for-her-leadership-congratulates-acting-secretary-todman/</loc>
		<lastmod>2024-03-11T17:08:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/hud-secretary-marcia-fudge-to-step-down/</loc>
		<lastmod>2024-03-11T21:38:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/https-www-scotsmanguide-com-news-hud-secretary-fudge-announces-plans-to-resign/</loc>
		<lastmod>2024-03-12T14:52:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/fudge-to-leave-hud/</loc>
		<lastmod>2024-03-12T14:51:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/the-most-consequential-state-of-the-union-for-housing-in-over-50-years/</loc>
		<lastmod>2024-03-10T19:55:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/the-most-consequential-state-of-the-union-for-housing-in-over-50-years/</loc>
		<lastmod>2024-03-28T01:51:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/biden-says-he-can-fix-americas-housing-affordability-crisis-will-it-work/</loc>
		<lastmod>2024-03-08T21:13:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/president-biden-wants-to-give-homebuyers-a-10000-tax-credit-heres-who-would-qualify/</loc>
		<lastmod>2024-03-08T21:12:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/bidens-homebuyer-initiatives-aim-to-expand-homeownership-access-without-inflating-prices/</loc>
		<lastmod>2024-03-08T17:18:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/national-housing-conference-commends-administrations-efforts-to-tackle-affordable-housing-shortage-in-america/</loc>
		<lastmod>2024-03-07T21:15:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/biden-to-propose-new-5000-tax-credit-for-first-time-home-buyers/</loc>
		<lastmod>2024-03-07T17:17:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/biden-proposes-5k-tax-credit-for-first-time-buyers-in-sotu-address/</loc>
		<lastmod>2024-03-12T14:45:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/biden-calls-for-home-buyer-tax-credits-pilot-cutting-title-on-some-refis/</loc>
		<lastmod>2024-03-08T01:08:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/trade-groups-have-differing-stances-on-governments-affordable-housing-plan/</loc>
		<lastmod>2024-03-04T02:58:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/dont-miss-the-event-for-housing-communicators/</loc>
		<lastmod>2024-03-03T19:32:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/dont-miss-the-event-for-housing-communicators/</loc>
		<lastmod>2024-03-14T15:44:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/a-conversation-with-linda-mandolini-eden-housing/</loc>
		<lastmod>2025-06-24T19:07:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/hud-rolls-out-225m-manufactured-housing-initiative/</loc>
		<lastmod>2024-02-29T22:13:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/national-housing-conference-applauds-the-administration-for-extending-the-federal-financing-bank-risk-sharing-program/</loc>
		<lastmod>2024-02-29T15:33:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/making-black-history/</loc>
		<lastmod>2024-03-01T23:05:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/making-black-history/</loc>
		<lastmod>2024-02-25T21:18:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/housing-and-congressional-leaders-addressing-americas-affordable-housing-shortage-to-be-honored-at-national-housing-conferences-annual-gala/</loc>
		<lastmod>2024-05-08T10:26:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/black-americans-are-using-their-401ks-to-buy-homes/</loc>
		<lastmod>2024-02-21T03:02:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/how-the-biden-administration-and-congress-can-build-on-solid-housing-production-numbers-now/</loc>
		<lastmod>2024-03-01T23:02:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/how-the-biden-administration-and-congress-can-build-on-solid-housing-production-numbers-now/</loc>
		<lastmod>2024-02-19T21:03:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/black-homeowners-in-cleveland-still-face-major-obstacles/</loc>
		<lastmod>2024-03-11T22:02:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/disaster-resilience-preparation-mitigation-and-recovery/</loc>
		<lastmod>2025-06-24T19:07:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/housing-is-going-to-stay-unaffordable-for-years-but-it-can-be-worse/</loc>
		<lastmod>2024-02-20T00:20:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/spring-homebuying-and-selling-season-just-kicked-off-are-you-ready/</loc>
		<lastmod>2024-02-12T20:35:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/housing-is-going-to-stay-unaffordable-for-years-but-it-can-be-worse/</loc>
		<lastmod>2024-02-12T16:46:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/desperate-for-affordable-housing-some-cities-sweeten-tax-breaks-for-developers/</loc>
		<lastmod>2024-02-06T20:49:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/black-history-is-american-history/</loc>
		<lastmod>2024-02-04T21:04:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/black-history-is-american-history/</loc>
		<lastmod>2024-02-12T16:47:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/as-house-passes-bipartisan-tax-legislation-lawmakers-feel-pressure-from-voters-on-housing/</loc>
		<lastmod>2024-02-02T01:48:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/national-housing-conference-applauds-house-passage-of-tax-bill-that-will-construct-200000-affordable-homes/</loc>
		<lastmod>2024-02-01T20:38:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/a-conversation-with-robin-hughes-housing-partnership-network/</loc>
		<lastmod>2025-06-24T19:07:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/a-very-different-housing-bubble/</loc>
		<lastmod>2024-02-04T21:07:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/update-the-housing-bubble-and-mortgage-debt-as-a-percent-of-gdp/</loc>
		<lastmod>2024-01-29T19:05:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/its-simple-a-tax-bill-cannot-move-without-housing/</loc>
		<lastmod>2024-02-02T03:34:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/its-simple-a-tax-bill-cannot-move-without-housing/</loc>
		<lastmod>2024-01-21T23:41:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/an-unusual-alliance-pushes-back-on-feds-bank-capital-plan/</loc>
		<lastmod>2024-01-20T02:01:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/8-capital-requirements-comments-to-watch/</loc>
		<lastmod>2024-01-20T02:00:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/mba-nhc-laud-lawmakers-for-unveiling-bipartisan-tax-agreement/</loc>
		<lastmod>2024-01-22T14:29:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/adaptive-reuse-in-post-pandemic-development/</loc>
		<lastmod>2025-06-24T19:07:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/hud-secretary-suggests-openness-to-changing-fha-life-of-loan-requirement/</loc>
		<lastmod>2024-01-17T15:35:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/national-housing-conference-strongly-supports-bipartisan-tax-proposal/</loc>
		<lastmod>2024-01-17T02:16:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/walls-are-closing-in-on-the-basel-capital-reforms/</loc>
		<lastmod>2024-01-17T15:05:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/the-other-america-2/</loc>
		<lastmod>2024-01-19T19:53:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/the-other-america-2/</loc>
		<lastmod>2024-01-21T21:10:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/civil-rights-groups-join-housing-industry-and-affordable-housing-advocates-to-urge-reconsideration-of-proposed-capital-rules-that-would-have-devastating-impact-on-first-time-homebuye/</loc>
		<lastmod>2024-01-16T16:42:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/publication/civil-rights-groups-join-housing-industry-and-affordable-housing-advocates-to-urge-reconsideration-of-proposed-capital-rules-that-would-have-devastating-impact-on-first-time-homebuye/</loc>
		<lastmod>2024-01-30T15:13:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/policy/civil-rights-groups-join-housing-industry-and-affordable-housing-advocates-to-urge-reconsideration-of-proposed-capital-rules-that-would-have-devastating-impact-on-first-time-homebuye/</loc>
		<lastmod>2024-01-12T22:55:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/event/critical-steps-to-addressing-social-isolation-through-housing/</loc>
		<lastmod>2024-02-01T19:25:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/steve-coyle-left-a-legacy-of-building-nearly-100000-homes/</loc>
		<lastmod>2024-01-12T20:53:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/steve-coyle-left-a-legacy-over-nearly-100000-homes/</loc>
		<lastmod>2024-01-07T20:47:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/a-conversation-about-cra-in-the-21st-century-with-michael-barr-fed-vice-chair-for-supervision/</loc>
		<lastmod>2025-06-24T19:07:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/the-fed-and-the-u-s-housing-crunch/</loc>
		<lastmod>2024-01-03T15:02:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/housing-association-leaders-on-the-affordability-landscape-2024-priorities/</loc>
		<lastmod>2024-02-02T21:30:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/housing-affordability-the-worst-in-our-lifetime-congress-can-help-change-that-in-bipartisan-legislation/</loc>
		<lastmod>2024-01-12T20:44:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/housing-affordability-the-worst-in-our-lifetime-congress-can-help-change-that-in-bipartisan-legislation/</loc>
		<lastmod>2023-12-18T18:18:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/molding-the-homeownership-message-for-millennials-and-gen-z-2/</loc>
		<lastmod>2025-06-24T19:07:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/addressing-the-challenge-of-housing-affordability/</loc>
		<lastmod>2023-12-17T23:49:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/addressing-the-challenge-of-housing-affordability/</loc>
		<lastmod>2023-12-11T14:52:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/a-conversation-with-senator-mark-warner-d-va-2/</loc>
		<lastmod>2025-06-24T19:07:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/beyond-four-walls-conversations-on-affordable-housing/</loc>
		<lastmod>2023-12-08T22:43:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/a-conversation-with-senator-mark-warner-d-va/</loc>
		<lastmod>2023-12-19T22:38:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/tangible-impactful-achievable-a-housing-event-not-to-be-missed/</loc>
		<lastmod>2023-11-22T20:36:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/tangible-impactful-achievable-a-housing-event-not-to-be-missed/</loc>
		<lastmod>2023-11-20T00:55:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/2023-state-of-housing-in-black-america/</loc>
		<lastmod>2023-11-17T18:49:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/2023-state-of-housing-in-black-america/</loc>
		<lastmod>2023-11-12T21:12:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/housing-opportunities-for-all-veterans/</loc>
		<lastmod>2023-11-11T20:14:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/housing-opportunities-for-all-veterans/</loc>
		<lastmod>2023-11-05T21:12:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/housing-finance-industry-leaders-on-the-community-reinvestment-act/</loc>
		<lastmod>2023-11-05T21:19:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/federal-reserve-vice-chair-on-the-community-reinvestment-act/</loc>
		<lastmod>2023-11-05T21:19:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/nhc-aarp-collaborate-on-advocacy-for-inclusive-livable-communities/</loc>
		<lastmod>2023-11-05T21:20:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/nhc-teams-up-with-aarp-to-bring-together-experts-and-housing-leaders-to-explore-building-vibrant-and-inclusive-communities/</loc>
		<lastmod>2023-11-06T14:45:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/a-community-reinvestment-act-for-the-21st-century/</loc>
		<lastmod>2023-11-04T20:12:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/the-community-reinvestment-act-gets-it-right/</loc>
		<lastmod>2023-10-29T20:08:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/how-a-little-known-law-is-expected-to-fight-racial-discrimination-in-housing/</loc>
		<lastmod>2023-11-05T21:18:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/event/breakfast-with-barr-a-conversation-about-cra-in-the-21st-century/</loc>
		<lastmod>2023-11-13T14:37:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/bank-regulators-issue-new-community-reinvestment-act-rule/</loc>
		<lastmod>2023-10-26T03:55:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/fed-moves-to-close-massive-racial-homeownership-gap/</loc>
		<lastmod>2023-10-26T03:54:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/new-cra-rule-could-redefine-geography-of-where-banks-lend/</loc>
		<lastmod>2023-10-26T03:53:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/federal-reserve-approves-major-cra-overhaul-after-nearly-three-decades/</loc>
		<lastmod>2023-10-26T03:57:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/federal-bank-regulators-release-cra-updates/</loc>
		<lastmod>2023-10-26T03:58:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/national-housing-conference-supports-cra-modernization/</loc>
		<lastmod>2023-10-24T20:52:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/a-house-on-fire/</loc>
		<lastmod>2023-10-23T18:30:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/a-house-on-fire/</loc>
		<lastmod>2023-10-28T15:26:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/there-are-no-easy-answers-to-the-growing-housing-crisis-just-plenty-of-hard-work/</loc>
		<lastmod>2023-10-21T01:24:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/there-are-no-easy-answers-to-the-growing-housing-crisis-just-plenty-of-hard-work/</loc>
		<lastmod>2023-10-15T20:06:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/join-aarp-and-nhc-for-a-forum-on-creating-livable-communities-for-all-generations/</loc>
		<lastmod>2023-10-08T22:47:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/join-aarp-and-nhc-for-a-forum-on-creating-livable-communities-for-all-generations/</loc>
		<lastmod>2023-10-13T20:28:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/2023-continues-to-witness-an-escalating-housing-affordability-crisis-new-data-reveals/</loc>
		<lastmod>2023-10-04T19:20:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/the-clown-car-runs-out-of-gas-avoiding-a-government-shutdown-for-45-days/</loc>
		<lastmod>2023-10-06T20:41:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/the-clown-car-runs-out-of-gas-avoiding-a-government-shutdown-for-45-days/</loc>
		<lastmod>2023-12-05T17:10:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/how-new-bank-capital-rules-could-hit-black-borrowers-hardest/</loc>
		<lastmod>2023-10-02T15:15:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/event/building-livable-communities-for-all-generations/</loc>
		<lastmod>2025-12-29T18:15:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/underserved-communities-pay-when-we-overspend-our-reg-burden-budget/</loc>
		<lastmod>2023-09-24T19:23:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/underserved-communities-pay-when-we-overspend-our-reg-burden-budget/</loc>
		<lastmod>2023-10-06T20:42:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/collective-voices/</loc>
		<lastmod>2023-09-17T20:54:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/collective-voices/</loc>
		<lastmod>2023-10-06T20:42:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/a-pivotal-time-for-housing-and-nhc/</loc>
		<lastmod>2023-09-10T20:18:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/a-pivotal-time-for-housing-and-nhc/</loc>
		<lastmod>2023-10-06T20:42:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/event/comprehensive-community-development-as-a-grant-making-strategy/</loc>
		<lastmod>2024-02-06T17:42:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/new-mortgage-rule-could-harm-efforts-to-close-racial-homeownership-gap/</loc>
		<lastmod>2023-09-01T17:29:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/housing-crunch-bank-cops-under-fire-for-moving-to-tighten-mortgage-rules/</loc>
		<lastmod>2023-09-01T14:30:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/housing-shortage-cant-be-fixed-with-polite-nudges-pocket-change/</loc>
		<lastmod>2023-08-25T20:25:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/event/solutions-for-affordable-housing2024/</loc>
		<lastmod>2025-12-29T20:11:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/event/solutions-for-housing-communications-2/</loc>
		<lastmod>2024-04-08T18:14:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-advocates-for-return-to-flat-g-fee-structure-and-reevaluation-of-the-enterprises-risk-assumptions/</loc>
		<lastmod>2023-08-27T20:14:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/trade-groups-submit-comment-on-the-fhfas-g-fee-structure/</loc>
		<lastmod>2023-08-18T14:47:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/g-fee-debate-revived-in-request-for-comment-on-mortgage-pricing/</loc>
		<lastmod>2023-08-18T14:46:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/national-housing-conference-advocates-for-return-to-flat-g-fee-structure-and-reevaluation-of-the-enterprises-risk-assumptions/</loc>
		<lastmod>2023-08-15T17:34:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/publication/national-housing-conference-advocates-for-return-to-flat-g-fee-structure-and-reevaluation-of-the-enterprises-risk-assumptions/</loc>
		<lastmod>2024-01-30T15:12:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/policy/national-housing-conference-submits-letter-to-fhfa-in-response-to-rfi-about-single-family-pricing-framework/</loc>
		<lastmod>2023-08-15T21:08:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/save-the-date-nhcs-2024-housing-visionary-awards-gala-to-be-held-on-june-5/</loc>
		<lastmod>2023-08-14T19:10:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/trade-groups-oppose-rent-control-on-gse-backed-multifamily-properties/</loc>
		<lastmod>2023-08-15T20:09:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/broad-coalition-of-housing-providers-and-lending-associations-warns-fhfa-against-rent-control/</loc>
		<lastmod>2023-08-14T19:22:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/event/gala6/</loc>
		<lastmod>2025-01-21T17:40:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/tenant-protections-must-avoid-many-unintended-consequences/</loc>
		<lastmod>2023-08-07T15:00:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/tenant-protections-must-avoid-many-unintended-consequences/</loc>
		<lastmod>2023-08-06T20:24:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/policy/national-housing-conference-submits-comments-to-fhfa-on-tenant-protections-at-enterprise-backed-multifamily-properties/</loc>
		<lastmod>2023-07-31T20:31:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/publication/national-housing-conference-submits-comments-to-fhfa-on-tenant-protections-at-enterprise-backed-multifamily-properties/</loc>
		<lastmod>2023-08-02T13:36:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/worse-than-anticipated-the-proposed-rule-on-bank-capital-is-a-partisan-mistake/</loc>
		<lastmod>2023-07-31T15:32:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/worse-than-anticipated-the-proposed-rule-on-bank-capital-is-a-partisan-mistake/</loc>
		<lastmod>2023-07-30T20:02:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/capital-proposal-may-drive-banks-further-away-from-mortgages/</loc>
		<lastmod>2023-07-29T00:54:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/bank-regulators-release-plan-to-increase-capital-requirements-for-mortgage-lending/</loc>
		<lastmod>2023-07-27T20:42:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/the-national-housing-conference-is-concerned-risk-weighting-on-mortgages-will-harm-low-and-moderate-income-borrowers-and-expand-the-homeownership-gap/</loc>
		<lastmod>2023-07-27T17:04:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/fed-raises-rate-again-reinforcing-a-house-shortage/</loc>
		<lastmod>2023-07-26T20:04:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/housing-advocates-warn-regulators-about-hiking-bank-capital/</loc>
		<lastmod>2023-07-26T13:20:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/publication/housing-groups-warn-proposed-capital-standards-undercut-efforts-to-close-racial-homeownership-gap/</loc>
		<lastmod>2023-12-19T18:59:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/policy/housing-groups-warn-proposed-capital-standards-undercut-efforts-to-close-racial-homeownership-gap/</loc>
		<lastmod>2023-12-19T18:52:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/housing-groups-warn-proposed-capital-standards-undercut-efforts-to-close-racial-homeownership-gap/</loc>
		<lastmod>2023-07-26T18:54:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/if-its-not-broken-dont-break-it-new-bank-capital-standards-could-undercut-efforts-to-close-the-homeownership-gap/</loc>
		<lastmod>2023-07-28T02:14:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/if-its-not-broke-dont-break-it-new-bank-capital-standards-could-undercut-efforts-to-close-the-homeownership-gap/</loc>
		<lastmod>2023-07-23T21:42:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/could-overhaul-of-big-bank-capital-rules-spark-a-housing-fight/</loc>
		<lastmod>2023-07-20T18:10:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/legislation-introduced-to-narrow-the-homeownership-gap/</loc>
		<lastmod>2023-08-18T14:48:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/too-soon-to-declare-victory-over-inflation-but-not-too-late-to-attack-housing-costs/</loc>
		<lastmod>2023-07-17T13:10:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/too-soon-to-declare-victory-over-inflation-but-not-too-late-to-attack-housing-costs/</loc>
		<lastmod>2023-07-23T21:40:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/tangible-impactful-and-achievable-nhcs-policy-priorities-for-2023-2024/</loc>
		<lastmod>2023-07-13T13:18:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/nhc-applauds-introduction-of-the-low-income-first-time-homebuyers-lift-act/</loc>
		<lastmod>2023-07-14T16:25:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/tangible-actionable-and-achievable-nhcs-policy-priorities-for-2023-2024/</loc>
		<lastmod>2023-07-10T13:49:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/event/honing-housers-driving-interest-in-housing-and-community-development-careers/</loc>
		<lastmod>2023-07-21T20:59:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/celebrating-the-work-of-nhc-and-our-members/</loc>
		<lastmod>2023-06-25T20:20:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/celebrating-the-work-of-nhc-and-our-members-2/</loc>
		<lastmod>2023-06-25T20:18:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/unidosus-launches-the-home-ownership-means-equity-initiative-to-transform-the-economic-trajectory-of-latino-families/</loc>
		<lastmod>2023-06-23T02:40:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/but-is-it-fair-ai-systems-show-promise-but-questions-remain/</loc>
		<lastmod>2023-06-27T13:04:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/unidosus-launches-the-home-ownership-means-equity-initiative-to-transform-the-economic-trajectory-of-latino-families/</loc>
		<lastmod>2023-06-23T02:38:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/mortgage-affordability-calculators-will-never-be-the-same/</loc>
		<lastmod>2023-06-12T01:35:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/mortgage-affordability-calculators-will-never-be-the-same/</loc>
		<lastmod>2023-06-23T02:37:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/black-homeownership-collaborative-celebrates-second-anniversary/</loc>
		<lastmod>2023-06-05T14:08:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/black-homeownership-collaborative-celebrates-second-anniversary/</loc>
		<lastmod>2023-06-04T22:07:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/black-homeownership-program-celebrates-2nd-anniversary-in-memphis/</loc>
		<lastmod>2023-06-01T12:54:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/housing-leaders-meet-in-memphis-to-celebrate-2nd-anniversary-of-black-homeownership-collaboratives-3by30-initiative/</loc>
		<lastmod>2023-06-01T12:47:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/affordable-housing-solutions-spark-optimism/</loc>
		<lastmod>2023-06-04T22:06:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/affordable-housing-solutions-spark-optimism/</loc>
		<lastmod>2023-06-02T17:17:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/dont-miss-nhcs-annual-housing-visionary-awards-gala/</loc>
		<lastmod>2023-05-29T19:34:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/dont-miss-nhcs-annual-housing-visionary-awards-gala/</loc>
		<lastmod>2023-05-21T20:29:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/house-price-battle-royale-low-inventory-vs-affordability/</loc>
		<lastmod>2023-05-15T00:03:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/house-price-battle-royale-low-inventory-vs-affordability/</loc>
		<lastmod>2023-05-15T13:13:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/nhc-commends-fhfa-for-rescission-of-dti-based-fees-rfi-on-loan-pricing-statement-of-david-m-dworkin-president-and-ceo-of-the-national-housing-conference/</loc>
		<lastmod>2023-05-10T19:44:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/fhfa-rescinds-controversial-dti-llpa/</loc>
		<lastmod>2023-07-27T20:42:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/fhfa-drops-debt-to-income-based-pricing-adjustment/</loc>
		<lastmod>2023-05-11T13:11:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/its-time-for-a-coherent-policy-on-mortgage-pricing/</loc>
		<lastmod>2023-05-09T18:45:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/a-tiktoker-exposes-how-much-people-pay-for-rent-viewers-cant-get-enough/</loc>
		<lastmod>2023-05-08T13:39:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/its-time-for-a-coherent-policy-on-mortgage-pricing/</loc>
		<lastmod>2023-05-10T21:52:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/how-will-the-recent-fed-rate-hike-affect-mortgage-rates-heres-what-we-know/</loc>
		<lastmod>2023-05-05T18:25:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/mortgage-rates-slip-slightly-after-fed-hike/</loc>
		<lastmod>2023-05-05T14:50:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/national-housing-conference-president-states-federal-reserves-rate-increases-risk-stagflation/</loc>
		<lastmod>2023-05-05T13:41:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/feds-rate-increase-risks-stagflation-statement-of-david-m-dworkin-president-and-ceo-of-the-national-housing-conference/</loc>
		<lastmod>2023-05-04T13:37:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/much-ado-about-nothing-no-one-is-paying-more-for-a-higher-downpayment-or-a-better-credit-score/</loc>
		<lastmod>2023-05-02T13:26:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/new-mortgage-fee-rules-are-coming-but-what-youve-heard-about-them-is-probably-wrong/</loc>
		<lastmod>2023-05-05T13:40:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/much-ado-about-nothing-whos-paying-more-for-mortgages/</loc>
		<lastmod>2023-04-27T21:42:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/working-together-to-help-renters-sustainably-and-fairly/</loc>
		<lastmod>2023-04-23T19:44:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/working-together-to-help-renters-sustainably-and-fairly/</loc>
		<lastmod>2023-05-02T13:21:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/national-housing-conference-calls-for-end-to-fed-rate-hikes-amid-stagflation-concerns/</loc>
		<lastmod>2023-04-17T14:42:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/the-fed-should-stop-raising-rates-before-the-cure-kills-the-patient/</loc>
		<lastmod>2023-04-16T20:19:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/the-fed-should-stop-raising-rates-before-the-cure-kills-the-patient/</loc>
		<lastmod>2023-04-18T15:06:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/55-years-later-how-long-will-it-take/</loc>
		<lastmod>2023-04-11T13:43:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/55-years-later-how-long-will-it-take/</loc>
		<lastmod>2023-04-18T15:06:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/doug-bibby-susan-dewey-and-lisa-rice-to-be-honored-at-the-nhc-housing-visionary-awards-gala/</loc>
		<lastmod>2023-04-07T17:52:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/kcmo-city-council-5th-district-at-large-candidates-weigh-in-on-key-issues/</loc>
		<lastmod>2023-04-03T16:06:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/lisa-rice-susan-dewey-and-doug-bibby-to-be-recognized-at-nhc-gala/</loc>
		<lastmod>2023-04-02T19:04:35+00:00</lastmod>
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		<loc>https://nhc.org/newsletter/lisa-rice-susan-dewey-and-doug-bibby-to-be-recognized-at-nhc-gala/</loc>
		<lastmod>2023-04-05T16:17:03+00:00</lastmod>
	</url>
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		<lastmod>2023-03-30T15:47:33+00:00</lastmod>
	</url>
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		<loc>https://nhc.org/press-release/national-housing-conference-applauds-fha-decision-on-mortgage-payment-deferral/</loc>
		<lastmod>2023-03-29T21:37:14+00:00</lastmod>
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		<lastmod>2023-03-28T13:50:54+00:00</lastmod>
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		<lastmod>2023-03-26T00:10:48+00:00</lastmod>
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		<lastmod>2023-04-05T16:15:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/24-housing-leaders-raise-concerns-about-build-america-buy-america-acts-impact-on-affordable-housing/</loc>
		<lastmod>2023-03-24T15:01:10+00:00</lastmod>
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		<lastmod>2023-04-05T16:12:42+00:00</lastmod>
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		<lastmod>2023-03-21T15:51:26+00:00</lastmod>
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	<url>
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		<lastmod>2023-03-16T14:28:19+00:00</lastmod>
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		<loc>https://nhc.org/previewing-a-new-toolkit-for-employers/</loc>
		<lastmod>2023-04-13T18:47:06+00:00</lastmod>
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	<url>
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		<lastmod>2023-04-05T16:14:19+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2023-03-05T19:06:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/supply-side-challenges-will-persist-in-the-eventual-housing-recovery/</loc>
		<lastmod>2023-04-05T16:08:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/who-will-benefit-from-the-reduced-cost-of-fha-loans/</loc>
		<lastmod>2023-03-01T14:53:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/an-exciting-opportunity/</loc>
		<lastmod>2023-02-24T20:32:44+00:00</lastmod>
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		<loc>https://nhc.org/newsletter/an-exciting-opportunity/</loc>
		<lastmod>2023-04-05T16:03:48+00:00</lastmod>
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		<lastmod>2023-03-01T14:54:00+00:00</lastmod>
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	<url>
		<loc>https://nhc.org/press-release/statement-of-david-m-dworkin-president-and-ceo-national-housing-conference-on-the-announcement-of-the-annual-mortgage-insurance-premium-mip-reduction-on-federal-housing-administration-fha-insu/</loc>
		<lastmod>2023-02-23T15:34:22+00:00</lastmod>
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	<url>
		<loc>https://nhc.org/robert-reid-1932-2023/</loc>
		<lastmod>2023-02-21T17:44:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/join-us-for-solutions-for-housing-communications/</loc>
		<lastmod>2023-04-05T16:02:33+00:00</lastmod>
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	<url>
		<loc>https://nhc.org/join-us-for-solutions-for-housing-communications/</loc>
		<lastmod>2023-02-17T22:38:49+00:00</lastmod>
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		<lastmod>2023-04-05T16:01:42+00:00</lastmod>
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		<loc>https://nhc.org/black-homeownership-rose-2-but-much-more-needs-to-be-done-to-sustain-growth-in-the-future/</loc>
		<lastmod>2023-02-10T22:37:41+00:00</lastmod>
	</url>
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		<loc>https://nhc.org/newsletter/the-other-america/</loc>
		<lastmod>2023-04-05T16:00:53+00:00</lastmod>
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	<url>
		<loc>https://nhc.org/the-other-america/</loc>
		<lastmod>2023-02-05T01:04:41+00:00</lastmod>
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		<loc>https://nhc.org/press-release/statement-of-david-m-dworkin-president-and-ceo-the-national-housing-conference-on-national-economic-council-director-brian-deese/</loc>
		<lastmod>2023-02-02T20:40:38+00:00</lastmod>
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		<lastmod>2023-04-05T15:57:50+00:00</lastmod>
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		<lastmod>2023-01-28T00:54:44+00:00</lastmod>
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		<loc>https://nhc.org/news/frustrated-and-saddened-progressives-say-white-house-whiffed-on-rent-aid/</loc>
		<lastmod>2023-03-01T14:53:42+00:00</lastmod>
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		<loc>https://nhc.org/press-release/statement-of-david-m-dworkin-president-and-ceo-of-the-national-housing-conference-on-the-white-house-announcement-regarding-tenant-rights-and-housing-costs/</loc>
		<lastmod>2023-01-25T18:38:09+00:00</lastmod>
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		<lastmod>2023-01-20T21:31:42+00:00</lastmod>
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		<lastmod>2023-04-05T15:56:32+00:00</lastmod>
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		<loc>https://nhc.org/the-legacy-of-fair-housing/</loc>
		<lastmod>2023-01-13T20:30:13+00:00</lastmod>
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	<url>
		<loc>https://nhc.org/newsletter/the-legacy-of-fair-housing/</loc>
		<lastmod>2023-04-05T15:55:38+00:00</lastmod>
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	<url>
		<loc>https://nhc.org/event/disaster-resilience-preparation-mitigation-and-recovery/</loc>
		<lastmod>2023-01-26T15:41:52+00:00</lastmod>
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		<loc>https://nhc.org/could-a-freedom-caucus-victory-benefit-affordable-housing/</loc>
		<lastmod>2023-01-08T00:15:45+00:00</lastmod>
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		<lastmod>2023-01-11T15:48:14+00:00</lastmod>
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		<loc>https://nhc.org/the-time-for-housing-is-right-now-or-never/</loc>
		<lastmod>2022-12-16T20:15:27+00:00</lastmod>
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		<loc>https://nhc.org/newsletter/nhc-member-brief-the-time-for-housing-is-right-now-or-never/</loc>
		<lastmod>2023-01-11T15:46:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/the-fed-crashed-the-housing-market-builders-and-banks-want-help/</loc>
		<lastmod>2022-12-14T16:21:36+00:00</lastmod>
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		<loc>https://nhc.org/news/mba-to-fhfa-increase-ami-limits-for-down-payment-programs/</loc>
		<lastmod>2022-12-13T21:56:25+00:00</lastmod>
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		<loc>https://nhc.org/news/mayor-gloria-speaks-at-national-housing-conference-in-washington-d-c/</loc>
		<lastmod>2022-12-13T21:53:25+00:00</lastmod>
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		<lastmod>2022-12-12T16:55:59+00:00</lastmod>
	</url>
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		<loc>https://nhc.org/learning-and-sharing-lessons-truly-matters/</loc>
		<lastmod>2022-12-09T22:45:29+00:00</lastmod>
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		<loc>https://nhc.org/newsletter/learning-and-sharing-lessons-truly-matters/</loc>
		<lastmod>2023-01-11T15:44:07+00:00</lastmod>
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		<loc>https://nhc.org/celebrating-partnerships/</loc>
		<lastmod>2022-12-03T20:17:07+00:00</lastmod>
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		<loc>https://nhc.org/newsletter/nhc-member-brief-celebrating-partnerships/</loc>
		<lastmod>2022-12-07T16:13:28+00:00</lastmod>
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		<loc>https://nhc.org/newsletter/nhc-member-brief-thank-you/</loc>
		<lastmod>2022-12-07T16:13:57+00:00</lastmod>
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		<loc>https://nhc.org/housings-narrow-window-of-opportunity-is-open-now/</loc>
		<lastmod>2022-11-23T17:23:56+00:00</lastmod>
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		<loc>https://nhc.org/newsletter/nhc-member-brief-housings-window-of-opportunity-is-open-now/</loc>
		<lastmod>2022-12-07T16:14:16+00:00</lastmod>
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		<lastmod>2025-12-29T18:25:45+00:00</lastmod>
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		<lastmod>2024-02-28T20:25:50+00:00</lastmod>
	</url>
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		<loc>https://nhc.org/event/solutions-for-housing-communications/</loc>
		<lastmod>2023-08-25T20:23:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/13564-2/</loc>
		<lastmod>2022-11-10T21:57:29+00:00</lastmod>
	</url>
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		<lastmod>2022-12-07T16:14:28+00:00</lastmod>
	</url>
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		<loc>https://nhc.org/press-release/without-increased-supply-pressure-on-housing-costs-will-continue-to-be-unacceptably-high/</loc>
		<lastmod>2022-11-10T18:12:37+00:00</lastmod>
	</url>
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		<loc>https://nhc.org/newsletter/nhc-member-brief-join-us-for-solutions-for-affordable-housing/</loc>
		<lastmod>2022-12-07T16:13:02+00:00</lastmod>
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		<loc>https://nhc.org/join-us-for-solutions-for-affordable-housing/</loc>
		<lastmod>2022-11-07T20:25:47+00:00</lastmod>
	</url>
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		<loc>https://nhc.org/working-together-more-important-than-ever/</loc>
		<lastmod>2022-11-03T17:50:40+00:00</lastmod>
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		<loc>https://nhc.org/newsletter/nhc-member-brief-we-must-all-hang-together-or-we-shall-all-hang-separately/</loc>
		<lastmod>2022-12-07T16:15:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/income-needed-to-buy-median-price-home-has-doubled-since-the-pandemic/</loc>
		<lastmod>2024-07-31T15:38:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/nhc-membership-matters/</loc>
		<lastmod>2022-10-22T19:17:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/member-brief-nhc-membership-matters/</loc>
		<lastmod>2022-12-07T16:17:18+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2022-10-14T17:47:25+00:00</lastmod>
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		<loc>https://nhc.org/newsletter/member-brief-high-housing-costs-continue-to-drive-inflation-numbers/</loc>
		<lastmod>2022-12-07T16:22:09+00:00</lastmod>
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		<lastmod>2022-10-14T17:15:35+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2024-10-03T13:53:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/859000-for-2b-2b-condo-in-la-how-this-29-year-old-pulled-it-off/</loc>
		<lastmod>2022-10-11T19:18:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/responding-to-the-affordability-crisis-a-bipartisan-framework/</loc>
		<lastmod>2022-10-11T13:19:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/responding-to-the-housing-affordability-crisis-a-bipartisan-framework/</loc>
		<lastmod>2022-10-07T17:40:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/statement-of-david-m-dworkin-president-and-ceo-of-the-national-housing-conference-on-the-white-house-status-report-on-the-housing-supply-action-plan/</loc>
		<lastmod>2022-10-07T21:57:02+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2022-10-11T14:55:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-the-state-of-native-housing/</loc>
		<lastmod>2022-10-11T13:21:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/whats-next-for-the-us-housing-market/</loc>
		<lastmod>2022-09-28T17:39:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/forgiving-student-loan-debt-boosts-homeownership/</loc>
		<lastmod>2022-09-28T14:59:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/housing-leaders-admin-commit/</loc>
		<lastmod>2022-09-26T17:55:45+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2022-12-07T16:05:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/national-housing-conference-attends-white-house-meeting-on-housing-supply/</loc>
		<lastmod>2022-09-22T13:30:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/statement-of-david-m-dworkin-president-and-ceo-of-the-national-housing-conference-on-fomc-announcement/</loc>
		<lastmod>2023-05-03T15:15:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/student-debt-relief-gives-homebuyers-a-once-in-a-generation-boost-ceo-of-national-housing-conference-says/</loc>
		<lastmod>2022-09-19T18:21:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/the-potential-impact-of-student-debt-loan-forgiveness-on-the-housing-market/</loc>
		<lastmod>2022-09-19T18:19:01+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2022-09-26T13:32:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-student-loan-debt-and-housing/</loc>
		<lastmod>2022-09-29T13:49:53+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2023-01-10T18:23:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/statement-of-david-m-dworkin-president-and-ceo-of-the-national-housing-conference-on-cpi-report/</loc>
		<lastmod>2022-09-14T13:24:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-nhcs-top-priorities-for-the-remainder-of-2022/</loc>
		<lastmod>2022-09-29T13:51:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/nhcs-top-priorities-for-the-remainder-of-2022/</loc>
		<lastmod>2022-09-20T13:59:52+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2022-08-31T13:16:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/david-m-dworkin-discusses-the-current-state-of-housing-on-fox-business-news/</loc>
		<lastmod>2022-08-30T13:14:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/student-loan-relief-kicks-off-heated-debate/</loc>
		<lastmod>2022-08-26T17:25:48+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2022-08-25T14:58:14+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2022-08-23T17:47:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/current-state-of-the-housing-market/</loc>
		<lastmod>2022-08-15T13:55:57+00:00</lastmod>
	</url>
	<url>
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		<lastmod>2022-09-29T13:55:03+00:00</lastmod>
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		<lastmod>2022-08-05T19:05:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-cra-at-the-intersection-of-geography-and-race/</loc>
		<lastmod>2022-09-29T13:55:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/publication/national-housing-conference-submits-comment-letter-on-the-notice-of-proposed-rulemaking-npr-to-strengthen-and-modernize-the-community-reinvestment-act/</loc>
		<lastmod>2022-08-05T17:46:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/stagflation-is-once-again-public-enemy-number-one/</loc>
		<lastmod>2022-07-30T21:24:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-stagflation-is-once-again-public-enemy-number-one/</loc>
		<lastmod>2022-09-29T13:56:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/the-role-of-tax-incentives-in-affordable-housing/</loc>
		<lastmod>2022-07-29T19:22:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-the-role-of-tax-incentives-in-affordable-housing/</loc>
		<lastmod>2022-09-29T13:58:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/at-a-housing-crossroads-boise-can-lead-the-way/</loc>
		<lastmod>2022-07-22T20:29:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-successfully-addressing-boises-housing-supply-crisis/</loc>
		<lastmod>2022-09-29T13:59:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/the-future-of-cra-is-in-doubt/</loc>
		<lastmod>2022-07-11T13:29:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-could-the-future-of-cra-be-in-doubt/</loc>
		<lastmod>2022-09-29T14:00:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/housing-affordability-will-continue-to-worsen/</loc>
		<lastmod>2022-07-05T13:28:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-housing-affordability-will-continue-to-worsen/</loc>
		<lastmod>2022-09-29T14:01:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-special-purpose-credit-programs-and-closing-the-homeownership-gap/</loc>
		<lastmod>2022-09-29T14:02:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/special-purpose-credit-programs-and-closing-the-homeownership-gap/</loc>
		<lastmod>2022-06-25T15:40:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-celebrating-the-work-of-nhc-and-our-members/</loc>
		<lastmod>2022-09-29T14:03:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/celebrating-the-work-of-nhc-and-our-members/</loc>
		<lastmod>2022-06-24T19:44:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/statement-of-david-m-dworkin-president-and-ceo-of-the-national-housing-conference-on-the-federal-reserves-rate-hike-higher-mortgage-rates-are-not-a-sustainable-way-to-reduce-shelter-costs/</loc>
		<lastmod>2022-06-15T21:48:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/nhc-inaugurates-the-most-diverse-board-of-governors-in-its-history/</loc>
		<lastmod>2022-06-15T21:44:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/nvs-most-common-jobs-rarely-pay-enough-to-pay-the-rent-unlv-research-shows/</loc>
		<lastmod>2022-06-13T22:49:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-paying-tribute-to-dr-frank-nothaft/</loc>
		<lastmod>2022-06-13T22:45:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/report-rising-home-prices-lock-out-more-than-a-quarter-of-nevada-workforce/</loc>
		<lastmod>2022-06-13T22:48:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/paying-tribute-to-dr-frank-nothaft/</loc>
		<lastmod>2022-07-26T18:07:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/statement-of-david-m-dworkin-president-and-ceo-of-the-national-housing-conference-on-fannie-mae-and-freddie-macs-equitable-housing-finance-plans/</loc>
		<lastmod>2022-06-09T17:30:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/with-landmark-gse-equity-plans-fhfa-confronts-legacy-of-redlining/</loc>
		<lastmod>2022-06-09T14:49:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/rising-rates-are-scaring-away-investors-what-this-means-for-homebuyers/</loc>
		<lastmod>2022-06-09T14:40:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/reconciliation-without-bbb-new-housing-legislation-may-still-be-possible/</loc>
		<lastmod>2022-06-05T18:41:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/national-homeownership-month-events-you-dont-want-to-miss/</loc>
		<lastmod>2022-05-27T23:15:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-national-homeownership-month-events-you-dont-want-to-miss/</loc>
		<lastmod>2022-06-09T14:26:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/event/pathways-to-homeownership-a-showcase-of-strategies-to-open-doors/</loc>
		<lastmod>2022-06-13T22:16:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/event/black-homeownership-collaborative-one-year-anniversary/</loc>
		<lastmod>2022-06-17T20:53:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/national-housing-conference-statement-on-the-confirmation-of-sandra-thompson-as-fhfa-director/</loc>
		<lastmod>2022-05-26T15:27:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/thompson-confirmed-as-fhfa-director/</loc>
		<lastmod>2022-06-09T14:47:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/what-will-happen-with-house-prices/</loc>
		<lastmod>2022-05-20T22:44:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-what-will-happen-with-house-prices/</loc>
		<lastmod>2022-06-09T14:25:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/event/catalyst-for-change-reducing-the-racial-homeownership-gap/</loc>
		<lastmod>2022-06-23T14:57:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/affordable-housing-plan-aims-to-bring-down-high-costs-of-living/</loc>
		<lastmod>2022-06-09T14:45:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-biden-to-announce-major-housing-supply-initiative-today/</loc>
		<lastmod>2022-06-09T14:24:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/biden-to-announce-major-housing-supply-initiative-today/</loc>
		<lastmod>2022-05-16T15:48:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/national-housing-conference-statement-on-the-confirmation-of-julia-gordon-as-fha-commissioner/</loc>
		<lastmod>2022-05-12T14:49:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/julia-gordon-confirmed-as-fha-commissioner/</loc>
		<lastmod>2022-06-09T14:38:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/pace-of-inflation-eases-slightly-in-april-but-still-at-40-year-high/</loc>
		<lastmod>2022-06-09T14:50:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/new-cra-proposal-is-a-significant-improvement-final-rule-expected-next-year/</loc>
		<lastmod>2024-05-11T21:17:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-new-cra-proposal-is-a-significant-improvement-final-rule-expected-next-year/</loc>
		<lastmod>2022-05-10T12:28:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/caught-between-bankers-and-activists-can-the-cra-reform-proposal-make-everyone-happy/</loc>
		<lastmod>2022-06-09T14:52:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/agencies-issue-proposed-cra-changes/</loc>
		<lastmod>2022-06-09T14:45:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/new-cra-proposal-is-a-significant-improvement-while-being-open-to-additional-feedback-on-key-issues/</loc>
		<lastmod>2022-05-05T21:01:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-grateful-for-my-privilege/</loc>
		<lastmod>2022-05-10T12:17:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/grateful-for-my-privilege/</loc>
		<lastmod>2022-05-02T23:10:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/national-housing-conference-to-honor-housing-leaders-at-awards-gala/</loc>
		<lastmod>2022-05-05T20:59:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/nhc-statement-on-the-confirmation-of-lael-brainard-as-vice-chair-of-the-federal-reserve-board-of-governors/</loc>
		<lastmod>2022-04-26T21:57:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/event/adaptive-reuse-in-post-pandemic-development/</loc>
		<lastmod>2022-05-06T21:50:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-fair-housing-forum-increasing-fair-access-to-credit/</loc>
		<lastmod>2022-04-25T16:22:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/the-standard-home-in-canada-now-costs-twice-as-much-as-in-the-u-s-a-plan-to-rein-in-the-stunning-boom-is-a-test-for-both-housing-markets/</loc>
		<lastmod>2022-05-03T21:47:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/fair-housing-forum-increasing-fair-access-to-credit/</loc>
		<lastmod>2022-04-22T22:25:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/freddie-mac-first-out-of-the-gate-with-plans-for-targeted-lending-programs/</loc>
		<lastmod>2022-05-03T21:49:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/will-rising-mortgage-rates-cool-off-a-hot-housing-market/</loc>
		<lastmod>2022-05-03T21:28:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/federal-funding-local-impact-shared-equity-as-a-housing-solution/</loc>
		<lastmod>2022-05-03T21:30:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-five-of-the-most-important-housing-jobs-in-washington-need-to-move-forward-now/</loc>
		<lastmod>2022-04-19T14:08:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/biden-nominates-michael-barr-as-federal-reserve-vice-chair/</loc>
		<lastmod>2022-05-03T21:34:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/five-of-the-most-important-housing-jobs-in-washington-need-to-move-forward-now/</loc>
		<lastmod>2022-04-15T20:22:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-addressing-housing-supply-while-moving-beyond-the-five-stages-of-grief-for-bbb/</loc>
		<lastmod>2022-04-12T19:10:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/addressing-housing-supply-while-moving-beyond-the-five-stages-of-grief-for-bbb/</loc>
		<lastmod>2022-04-10T18:11:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/can-inclusionary-zoning-put-a-dent-in-the-housing-crisis/</loc>
		<lastmod>2022-05-03T21:51:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/will-the-housing-market-crash-experts-give-5-year-predictions/</loc>
		<lastmod>2022-05-03T21:48:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/event/fair-housing-forum-increasing-fair-access-to-credit/</loc>
		<lastmod>2025-12-29T18:16:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-connections-content-and-community/</loc>
		<lastmod>2022-04-04T11:42:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/connections-content-and-community-solutions-for-housing-communications/</loc>
		<lastmod>2022-04-01T21:22:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/celebrating-womens-history-month-spotlight-on-helen-alfreds-speech-at-the-first-nhc-convening/</loc>
		<lastmod>2022-04-02T20:03:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/inside-the-governments-feeble-fight-to-end-redlining/</loc>
		<lastmod>2022-05-03T21:33:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/the-housing-crisis-grows-in-unexpected-places/</loc>
		<lastmod>2022-03-30T13:15:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-the-housing-crisis-grows-in-unexpected-places/</loc>
		<lastmod>2022-03-28T13:03:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/biden-unveils-5-steps-to-reduce-racial-bias-in-appraisals/</loc>
		<lastmod>2022-04-06T23:41:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/beleaguered-house-hunters-are-now-watching-mortgage-rates-spike-too/</loc>
		<lastmod>2022-04-06T23:39:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/biden-unveils-5-steps-to-reduce-racial-bias-in-appraisals-2/</loc>
		<lastmod>2022-05-03T21:54:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/biden-administration-to-probe-racial-bias-in-home-appraisals-2/</loc>
		<lastmod>2022-03-24T14:57:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/national-housing-conference-statement-on-the-report-of-the-property-appraisal-and-valuation-equity-pave-task-force/</loc>
		<lastmod>2022-04-26T21:57:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-what-if-rising-interest-rates-make-inflation-worse/</loc>
		<lastmod>2022-03-21T12:38:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/what-if-rising-interest-rates-make-inflation-worse/</loc>
		<lastmod>2022-03-22T20:44:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/mortgage-vet-to-chair-nahrep-board/</loc>
		<lastmod>2022-03-17T15:47:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/join-us-march-30th-for-solutions-for-housing-communications/</loc>
		<lastmod>2022-03-15T15:50:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/join-us-march-30th-for-solutions-for-housing-communications/</loc>
		<lastmod>2022-03-14T14:25:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/housing-groups-call-for-a-presidents-council-on-housing-affordability/</loc>
		<lastmod>2022-03-14T18:16:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/entire-u-s-housing-industry-contacts-president-biden-to-address-home-affordability-crisis/</loc>
		<lastmod>2022-03-14T18:17:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/housing-leaders-ask-president-biden-to-form-presidents-council-on-housing-affordability/</loc>
		<lastmod>2022-03-09T18:14:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/national-urban-league-president-and-ceo-marc-morial-to-keynote-national-housing-conferences-solutions-for-housing-communications-convening/</loc>
		<lastmod>2022-03-09T15:42:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-nhc-gala-set-for-june-14/</loc>
		<lastmod>2022-03-07T12:58:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/nhc-gala-set-for-june-14/</loc>
		<lastmod>2022-03-07T21:34:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/shared-equity-programs-topic-of-nhc-webinar/</loc>
		<lastmod>2022-03-07T21:25:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/lack-of-affordable-housing-creates-growing-gap-between-communities-and-healthcare%ef%bf%bc/</loc>
		<lastmod>2022-03-07T23:28:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/employer-assisted-housing-a-solution-for-companies-employees-and-communities/</loc>
		<lastmod>2022-02-26T20:48:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-employer-assisted-housing-a-solution-for-companies-employees-and-communities/</loc>
		<lastmod>2022-03-07T13:00:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-what-can-we-do-about-skyrocketing-housing-costs/</loc>
		<lastmod>2022-02-21T23:05:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/what-can-we-do-about-skyrocketing-housing-costs/</loc>
		<lastmod>2022-02-20T01:26:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/event/federal-funding-local-impact-shared-equity-as-a-housing-solution/</loc>
		<lastmod>2022-03-03T18:32:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/with-strategic-plan-fhfa-charts-new-course/</loc>
		<lastmod>2022-03-01T15:46:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/single-family-rentals-and-homeownership/</loc>
		<lastmod>2022-02-14T18:49:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-single-family-rentals-and-homeownership/</loc>
		<lastmod>2022-02-14T18:33:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/when-private-equity-becomes-your-landlord/</loc>
		<lastmod>2022-03-01T15:44:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/is-housing-still-a-priority-for-the-biden-administration/</loc>
		<lastmod>2022-02-06T23:06:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-is-housing-still-a-priority-for-the-biden-administration/</loc>
		<lastmod>2022-02-07T13:06:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/industry-members-take-issue-with-huds-draft-defect-taxonomy/</loc>
		<lastmod>2022-02-02T17:10:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/consumer-group-defect-taxonomy-issues-apply-to-reverse-mortgages/</loc>
		<lastmod>2022-02-02T17:09:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/groups-blast-fha-draft-defect-taxonomy-in-joint-letter/</loc>
		<lastmod>2022-01-31T18:08:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-bridging-the-gap-between-health-and-housing/</loc>
		<lastmod>2022-01-31T17:55:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/bridging-the-gap-between-health-and-housing/</loc>
		<lastmod>2022-01-29T20:43:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/foreclosures-hit-record-low-thanks-to-covid-relief-will-it-continue/</loc>
		<lastmod>2022-01-24T17:52:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-fight-inflation-with-housing/</loc>
		<lastmod>2022-01-24T17:18:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/fight-inflation-with-housing/</loc>
		<lastmod>2022-01-24T15:35:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/should-fannie-freddie-invest-more-in-underserved-markets/</loc>
		<lastmod>2022-01-18T16:25:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/new-yorks-eviction-moratorium-has-expired/</loc>
		<lastmod>2022-01-18T16:16:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/housing-discrimination-is-not-a-thing-of-the-past/</loc>
		<lastmod>2022-01-18T18:11:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-housing-discrimination-is-not-a-thing-of-the-past/</loc>
		<lastmod>2022-01-18T21:12:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/statement-of-nhc-president-and-ceo-david-m-dworkin-on-the-nomination-of-sarah-bloom-raskin-for-vice-chair-for-supervision-of-the-federal-reserve-board-of-governors/</loc>
		<lastmod>2022-03-09T15:42:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/event/solutions-for-affordable-housing-2022/</loc>
		<lastmod>2023-08-23T17:45:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/event/solutions-for-affordable-housing-communications/</loc>
		<lastmod>2022-04-21T20:36:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/publication/nhc-urges-sens-brown-and-toomey-to-support-the-nomination-of-sandra-thompson-as-fhfa-director/</loc>
		<lastmod>2022-01-13T15:43:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/event/bridging-the-gap-between-health-and-housing/</loc>
		<lastmod>2022-01-31T16:53:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/publication/nhc-urges-sens-brown-and-toomey-to-support-the-nomination-of-jerome-powell-as-chair-of-the-federal-reserve/</loc>
		<lastmod>2022-01-11T15:53:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/publication/nhc-sends-letter-in-support-of-lael-brainards-nomination-as-vice-chair-of-the-federal-reserve-board-of-governors-to-sens-brown-and-toomey/</loc>
		<lastmod>2022-01-11T15:52:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-beyond-build-back-better-nhcs-2022-priorities/</loc>
		<lastmod>2022-01-12T16:47:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/beyond-build-back-better-nhcs-2022-priorities/</loc>
		<lastmod>2022-01-10T04:00:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/fhfa-to-gses-back-to-the-drawing-board-on-duty-to-serve/</loc>
		<lastmod>2022-01-07T18:48:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/4-questions-about-fdics-leadership-limbo/</loc>
		<lastmod>2022-01-07T18:46:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/thank-you-for-your-leadership-and-support/</loc>
		<lastmod>2022-01-03T21:45:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-thank-you-for-your-leadership-and-support/</loc>
		<lastmod>2021-12-22T17:11:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/mccargo-confirmed-by-senate-as-ginnie-mae-president/</loc>
		<lastmod>2021-12-16T19:21:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/industry-reacts-biden-nominates-thompson-for-fhfa-director/</loc>
		<lastmod>2021-12-15T17:20:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/statement-of-david-m-dworkin-president-and-ceo-national-housing-conference-on-the-confirmation-of-alanna-mccargo-as-ginnie-mae-president/</loc>
		<lastmod>2022-03-09T15:43:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/statement-of-david-m-dworkin-president-and-ceo-national-housing-conference-on-the-nomination-of-sandra-thompson-for-fhfa-director/</loc>
		<lastmod>2022-03-09T15:43:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-cheap-canadian-lumber-just-made-us-homes-more-expensive-and-no-that-doesnt-make-sense/</loc>
		<lastmod>2021-12-13T15:03:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/the-biden-administration-is-driving-housing-prices-higher-and-no-one-seems-to-know-why/</loc>
		<lastmod>2021-12-13T17:27:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/only-two-more-member-briefs-for-non-members/</loc>
		<lastmod>2021-12-05T20:59:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-only-two-more-member-briefs-for-non-members/</loc>
		<lastmod>2021-12-17T18:51:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/property-developer-and-startup-join-forces-to-boost-renters-credit-scores/</loc>
		<lastmod>2021-11-29T15:59:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/lihtc-is-an-essential-housing-production-tool/</loc>
		<lastmod>2021-11-29T16:58:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-lihtc-is-an-essential-housing-production-tool/</loc>
		<lastmod>2021-11-22T13:34:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/statement-of-david-m-dworkin-president-and-ceo-national-housing-conference-on-house-passage-of-the-build-back-better-act-and-bipartisan-infrastructure-act/</loc>
		<lastmod>2021-11-19T21:59:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/inflation-build-back-better-and-brainard/</loc>
		<lastmod>2021-11-15T16:23:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-inflation-build-back-better-and-brainard/</loc>
		<lastmod>2021-11-15T13:12:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-your-membership-your-member-brief-and-more/</loc>
		<lastmod>2021-11-08T16:21:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/your-membership-your-member-brief-and-more/</loc>
		<lastmod>2021-11-08T14:40:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/racial-justice-isnt-achievable-without-housing-justice/</loc>
		<lastmod>2021-11-01T18:55:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/group-pushes-for-further-duty-to-serve-improvements/</loc>
		<lastmod>2021-11-01T18:51:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/calls-for-fhfa-to-improve-duty-to-serve-proposals/</loc>
		<lastmod>2021-11-01T18:49:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/trick-or-treat-for-housing/</loc>
		<lastmod>2021-11-01T15:14:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-trick-or-treat-for-housing/</loc>
		<lastmod>2021-11-01T13:48:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/nhc-reiterates-commitment-to-racial-equity-in-comments-to-occ-on-cra-modernization/</loc>
		<lastmod>2021-10-29T19:49:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/statement-by-nhc-president-and-ceo-david-m-dworkin-on-president-biden-and-congressional-negotiators-agreement-on-a-historic-investment-in-housing/</loc>
		<lastmod>2021-10-29T19:29:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/publication/nhc-submits-comments-on-occs-proposed-rescission-of-its-2020-cra-rule/</loc>
		<lastmod>2021-11-02T14:44:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/publication/nhc-submits-comments-on-fhfas-enterprise-equitable-housing-plans-rfi/</loc>
		<lastmod>2021-10-28T19:27:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/california-new-york-fight-over-shrinking-low-income-housing-aid-in-democrats-bill/</loc>
		<lastmod>2021-10-26T19:13:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-budget-reconciliation-and-the-power-of-collaboration/</loc>
		<lastmod>2021-10-24T23:56:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/budget-reconciliation-and-the-power-of-collaboration/</loc>
		<lastmod>2021-10-24T17:16:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/new-affordable-housing-coalition-writes-to-fhfa-urging-fannie-and-freddie-to-improve-duty-to-serve-proposals/</loc>
		<lastmod>2021-10-25T20:06:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/housing-groups-to-fhfa-hit-pause-on-duty-to-serve-plan/</loc>
		<lastmod>2021-10-25T20:04:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/continuing-the-congressional-push-for-equitable-housing/</loc>
		<lastmod>2021-10-25T20:03:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/housing-stakeholders-join-chairs-brown-and-waters-to-call-for-the-inclusion-of-housing-provisions-in-the-budget-reconciliation-package/</loc>
		<lastmod>2021-10-20T17:01:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/todays-problems-tomorrows-solutions/</loc>
		<lastmod>2021-10-18T13:19:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-todays-problems-tomorrows-solutions/</loc>
		<lastmod>2021-10-18T13:16:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/nhc-releases-paycheck-to-paycheck-fall-2021-quarterly-update/</loc>
		<lastmod>2021-10-13T17:16:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/publication/paycheck-to-paycheck-quarterly-update-fall-2021/</loc>
		<lastmod>2021-10-13T15:53:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/democrats-clash-over-aid-for-first-time-homebuyers/</loc>
		<lastmod>2021-10-25T20:00:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/the-next-few-weeks-decide-if-we-win-or-lose/</loc>
		<lastmod>2021-10-10T20:33:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-the-next-few-weeks-decide-if-we-win-or-lose/</loc>
		<lastmod>2021-10-11T14:24:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/maxine-waters-ready-to-battle-over-potential-cuts-to-housing-aid/</loc>
		<lastmod>2021-10-25T19:59:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/technology-and-housing/</loc>
		<lastmod>2021-10-04T15:50:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-technology-and-housing/</loc>
		<lastmod>2021-10-04T13:42:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/statement-by-nhc-president-and-ceo-david-m-dworkin-on-the-introduction-of-down-payment-assistance-legislation-in-the-senate/</loc>
		<lastmod>2021-09-30T21:47:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/reading_list_item/housingwire-dems-propose-20-year-mortgage-for-first-gen-homebuyers/</loc>
		<lastmod>2021-09-27T20:12:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/expanding-nhcs-most-powerful-research-tool-and-revealing-housing-challenges-for-infrastructure-workers/</loc>
		<lastmod>2021-09-26T17:06:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-expanding-nhcs-most-powerful-research-tool-and-revealing-housing-challenges-for-infrastructure-workers/</loc>
		<lastmod>2021-09-27T14:23:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/dems-propose-20-year-mortgage-for-first-gen-homebuyers/</loc>
		<lastmod>2021-10-25T19:57:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/the-contingency-plan-imperative/</loc>
		<lastmod>2021-09-20T16:01:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-the-contingency-plan-imperative/</loc>
		<lastmod>2021-09-20T14:28:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/florida-landlord-says-tenants-must-get-covid-19-vaccine-or-move-out/</loc>
		<lastmod>2021-10-25T19:56:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/statement-by-nhc-president-and-ceo-david-m-dworkin-fhfa-suspension-of-limits-on-so-called-higher-risk-loans-essential-for-expanding-homeownership/</loc>
		<lastmod>2021-09-15T13:34:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/statement-on-appointments-of-alana-mccargo-as-president-of-ginnie-mae-and-arthur-jemison-for-assistant-secretary-for-public-and-indian-housing/</loc>
		<lastmod>2021-09-15T13:32:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/expanding-the-role-of-fannie-and-freddie-in-affordable-housing/</loc>
		<lastmod>2021-09-13T14:01:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-expanding-the-role-of-fannie-and-freddie-in-affordable-housing-2/</loc>
		<lastmod>2021-09-13T14:38:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/event/fannie-mae-freddie-mac-and-the-future-of-american-homeownership/</loc>
		<lastmod>2021-10-01T21:14:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-the-best-laid-plans-nhcs-gala-and-americas-housing-agenda/</loc>
		<lastmod>2021-09-07T15:47:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/the-best-laid-plans-nhcs-gala-and-americas-housing-agenda/</loc>
		<lastmod>2021-09-07T13:26:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/event/why-its-time-to-unlock-americas-single-family-green-mortgage-market/</loc>
		<lastmod>2021-10-01T21:03:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/reading_list_item/dcs-flexible-rent-subsidy-program-shows-promising-early-results/</loc>
		<lastmod>2021-09-01T01:51:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/reading_list_item/colorado-cities-can-now-require-affordable-housing-in-new-developments-with-a-catch/</loc>
		<lastmod>2021-09-01T13:58:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/statement-by-david-m-dworkin-president-and-ceo-national-housing-conference-on-the-supreme-court-ruling-to-overturn-cdcs-eviction-mortarium/</loc>
		<lastmod>2021-08-27T21:27:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/reading_list_item/fraction-of-covid-19-rental-assistance-reaches-tenants-and-landlords/</loc>
		<lastmod>2021-08-30T12:59:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/reading_list_item/covid-19-rent-relief-program-marred-by-delays-confusion-burdensome-paperwork/</loc>
		<lastmod>2021-08-30T12:42:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/night-and-day-fhfas-priorities-rapidly-changing-under-new-leader/</loc>
		<lastmod>2021-09-02T13:48:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/industry-groups-react-to-scotus-eviction-ruling/</loc>
		<lastmod>2021-08-30T13:01:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-newsletter-a-major-innovation-to-expand-homeownership/</loc>
		<lastmod>2021-09-07T14:40:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/a-major-innovation-to-expand-homeownership/</loc>
		<lastmod>2021-08-23T14:23:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/statement-by-david-m-dworkin-president-and-ceo-national-housing-conference-on-the-federal-housing-finance-agencys-proposed-2022-2024-housing-goals-for-fannie-mae-and-freddie-mac/</loc>
		<lastmod>2021-08-18T19:27:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/new-gse-initiative-aims-to-close-the-housing-gap/</loc>
		<lastmod>2021-08-25T16:56:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/event/leveraging-the-tax-code-to-address-affordable-housing-supply/</loc>
		<lastmod>2021-09-03T15:31:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/fannie-maes-rental-payment-change-worries-some/</loc>
		<lastmod>2021-08-16T17:42:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/hud-and-fhfa-join-forces-on-fair-housing-enforcement/</loc>
		<lastmod>2021-08-13T14:21:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/statement-by-david-m-dworkin-president-and-ceo-national-housing-conference-on-fannie-mae-considering-rental-payment-history-in-underwriting/</loc>
		<lastmod>2021-08-11T21:15:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/fannie-mae-shines-light-on-credit-invisible-renters/</loc>
		<lastmod>2021-08-12T18:16:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/fannie-mae-underwriting-changes-work-to-bridge-homeownership-gap/</loc>
		<lastmod>2021-08-12T16:01:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/covid-19-rent-relief-program-marred-by-delays-confusion-burdensome-paperwork/</loc>
		<lastmod>2021-08-11T14:15:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/its-finally-infrastructure-week/</loc>
		<lastmod>2021-08-11T18:02:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-its-finally-infrastructure-week/</loc>
		<lastmod>2021-08-09T13:07:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/publication/nhc-leads-a-coalition-of-housing-stakeholders-to-oppose-extension-of-g-fees/</loc>
		<lastmod>2021-08-11T14:22:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/the-foreclosure-ban/</loc>
		<lastmod>2021-08-12T19:23:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/shuttered-hotels-motels-find-new-life/</loc>
		<lastmod>2021-08-05T13:44:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/mortgage-fees-to-help-pay-for-biden-infrastructure-bill/</loc>
		<lastmod>2021-08-03T18:28:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/housing-must-not-be-steamrolled/</loc>
		<lastmod>2021-08-01T16:28:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-housing-must-not-be-steamrolled/</loc>
		<lastmod>2021-08-02T13:28:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/down-the-drain-millions-face-eviction-after-biden-lets-protections-expire/</loc>
		<lastmod>2021-08-01T14:00:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/the-national-eviction-moratorium-is-set-to-expire-what-happens-next/</loc>
		<lastmod>2021-07-31T14:17:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/publication/nhc-joins-national-housing-organizations-to-urge-the-senate-to-confirm-julia-gordon-as-fha-commissioner/</loc>
		<lastmod>2021-07-30T19:04:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/is-an-infrastructure-investment-in-housing-on-its-way/</loc>
		<lastmod>2021-07-30T19:32:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/lets-celebrate-our-work-together/</loc>
		<lastmod>2021-07-28T14:33:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-lets-celebrate-our-work-together/</loc>
		<lastmod>2021-07-26T13:21:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/publication/nhc-signs-letter-discouraging-senators-from-using-g-fees-to-offset-spending/</loc>
		<lastmod>2021-08-03T18:27:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/hopes-for-generational-investment-in-housing-fade-in-dc/</loc>
		<lastmod>2021-07-28T14:41:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/whos-outbidding-you-by-tens-of-thousands-of-dollars-for-that-home-of-your-dreams-a-hedge-fund/</loc>
		<lastmod>2021-07-21T21:22:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/statement-by-david-m-dworkin-president-and-ceo-national-housing-conference-on-occ-rescinding-its-cra-final-rule/</loc>
		<lastmod>2021-07-21T15:50:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/democrats-plan-for-race-based-housing-aid-draws-lawsuit-threats-charges-of-reverse-discrimination/</loc>
		<lastmod>2021-07-28T14:45:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/event/tech-housing-online-symposium/</loc>
		<lastmod>2021-10-18T18:24:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/a-white-house-convening-to-address-disruptions-in-the-homebuilding-supply-chain/</loc>
		<lastmod>2021-07-19T21:29:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-a-white-house-convening-to-address-disruptions-in-the-homebuilding-supply-chain/</loc>
		<lastmod>2021-07-19T20:48:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/publication/nhc-sumbits-comments-on-fhfas-request-for-input-on-duty-to-serve-plans/</loc>
		<lastmod>2021-07-29T14:29:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/publication/nhc-expresses-support-of-the-nomination-of-julia-gordon-for-fha-commissioner-to-senate-leaders/</loc>
		<lastmod>2021-07-30T19:05:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/how-advisory-firms-can-assist-with-covid-19-emergency-rental-assistance/</loc>
		<lastmod>2021-07-09T20:31:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-how-advisory-firms-can-assist-with-covid-19-emergency-rental-assistance/</loc>
		<lastmod>2021-07-12T13:10:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/5-new-policies-for-new-fhfa-leadership/</loc>
		<lastmod>2021-07-04T17:43:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/bidens-new-dilemma-how-to-slash-housing-costs-for-low-income-borrowers/</loc>
		<lastmod>2021-07-07T14:00:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-5-new-policies-for-new-fhfa-leadership/</loc>
		<lastmod>2021-07-06T13:00:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/fhfa-chief-turnover-could-help-expand-affordable-housing/</loc>
		<lastmod>2021-07-06T16:21:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/event/how-it-works-financing-and-servicing-of-motel-and-hotel-conversions-part-ii/</loc>
		<lastmod>2021-07-27T13:59:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/biden-officials-scramble-to-avert-august-eviction-wave/</loc>
		<lastmod>2021-06-29T16:44:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/publication/testimony-of-nhc-president-and-ceo-david-m-dworkin-before-the-federal-housing-finance-agency/</loc>
		<lastmod>2021-07-07T13:19:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/the-most-important-jobs-in-housing/</loc>
		<lastmod>2021-06-27T14:28:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/housing-crisis-poses-crucial-test-for-biden-administrations-economic-plans/</loc>
		<lastmod>2021-06-27T14:35:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-the-most-important-jobs-in-housing/</loc>
		<lastmod>2021-06-28T13:48:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/statement-of-nhc-president-and-ceo-david-m-dworkin-on-the-nomination-of-julia-gordon-to-serve-as-fha-commissioner/</loc>
		<lastmod>2021-06-25T16:58:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/biden-taps-julia-gordon-to-be-fha-commissioner/</loc>
		<lastmod>2021-06-25T15:58:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/biden-extends-eviction-ban-amid-fears-of-horrific-crisis/</loc>
		<lastmod>2021-06-27T15:42:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/fhfa-leaders-exit-fuels-speculation-lobbying-on-stock-agreement/</loc>
		<lastmod>2021-06-28T19:09:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/calabrias-ouster-at-fhfa-sets-stage-for-biden-to-remake-housing-policy/</loc>
		<lastmod>2021-06-23T23:48:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/creating-a-community-of-practice-and-advocacy/</loc>
		<lastmod>2021-06-21T16:06:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-creating-a-community-of-practice-and-advocacy/</loc>
		<lastmod>2021-06-28T17:55:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/advocates-release-plan-to-increase-black-homeownership/</loc>
		<lastmod>2021-06-20T18:18:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/are-homes-infrastructure-bidens-proposal-says-better-housing-policy-will-improve-access-affordability/</loc>
		<lastmod>2021-06-20T18:15:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/equality-plan-launched-to-add-3-million-new-black-homeowners-by-2030/</loc>
		<lastmod>2021-06-20T18:31:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/the-black-homeownership-gap-is-worse-heres-whats-being-done/</loc>
		<lastmod>2021-06-20T18:17:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/housing-and-civil-rights-leaders-announce-national-initiative-to-increase-black-homeownership/</loc>
		<lastmod>2021-06-18T17:36:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/hud-secretary-marcia-fudge-to-address-black-homeownership-event-in-cleveland-on-friday/</loc>
		<lastmod>2021-06-18T20:22:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/event/annual-member-meeting-2021/</loc>
		<lastmod>2021-06-16T19:37:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/housing-leaders-hud-secretary-marcia-fudge-to-join-in-cleveland-for-event-on-increasing-black-homeownership/</loc>
		<lastmod>2021-06-16T14:22:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/all-hands-on-deck/</loc>
		<lastmod>2021-06-16T19:40:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-all-hands-on-deck/</loc>
		<lastmod>2021-06-28T17:53:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/event/briefing-on-affordable-homeownership-and-infrastructure/</loc>
		<lastmod>2021-06-29T21:26:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/industry-reacts-to-hud-deputy-secretary-confirmation/</loc>
		<lastmod>2021-06-11T22:56:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/statement-of-nhc-president-and-ceo-david-m-dworkin-on-the-confirmation-of-adrianne-todman-as-hud-deputy-secretary/</loc>
		<lastmod>2021-06-11T14:24:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/the-wrong-way-to-build-black-wealth/</loc>
		<lastmod>2021-06-08T18:18:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-racial-equity-requires-that-we-raise-the-standard-of-care-in-fair-lending/</loc>
		<lastmod>2021-06-07T14:51:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/racial-equity-requires-that-we-raise-the-standard-of-care-in-fair-lending/</loc>
		<lastmod>2021-06-04T17:21:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/judging-the-past-years-success-of-racial-equality-housing-initiatives/</loc>
		<lastmod>2021-06-07T18:48:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/housing-is-jobs-and-jobs-are-housing1/</loc>
		<lastmod>2021-06-01T14:50:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-housing-is-jobs-and-jobs-are-housing-2/</loc>
		<lastmod>2021-06-03T21:18:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/event/it-works-converting-motels-and-hotels-into-affordable-housing/</loc>
		<lastmod>2021-06-25T14:50:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/publication/nhc-joins-housing-stakeholders-in-asking-white-house-to-address-surging-prices-for-lumber-and-other-housing-materials/</loc>
		<lastmod>2021-05-26T14:51:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/fight-looms-over-down-payment-aid-to-close-racial-wealth-gap/</loc>
		<lastmod>2021-05-25T14:14:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/inflation-interest-rates-and-learning-the-right-lessons-from-the-past-for-the-future/</loc>
		<lastmod>2021-06-24T20:24:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-inflation-interest-rates-and-learning-the-right-lessons-from-the-past-for-the-future/</loc>
		<lastmod>2021-06-03T21:18:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/biden-targets-housing-rules-that-hurt-low-income-earners-will-the-suburbs-buy-in/</loc>
		<lastmod>2021-05-19T14:54:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/housing-groups-organize-against-nimbys/</loc>
		<lastmod>2021-05-19T13:38:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/the-risk-of-learning-the-right-lessons-from-the-wrong-crisis/</loc>
		<lastmod>2021-05-20T15:33:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-the-risk-of-learning-the-right-lessons-from-the-wrong-crisis/</loc>
		<lastmod>2021-06-03T21:18:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/statement-of-nhc-president-and-ceo-david-m-dworkin-on-the-reintroduction-of-the-yes-in-my-backyard-yimby-act/</loc>
		<lastmod>2021-05-14T21:02:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/housing-supply-prices-going-through-the-roof-affects-new-home-prices-expert/</loc>
		<lastmod>2021-05-14T18:23:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/publication/nhc-joins-housing-and-advocacy-organizations-to-push-for-the-passing-of-the-yes-in-my-backyard-yimby-act/</loc>
		<lastmod>2021-05-14T20:06:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/housing-is-too-expensive-but-it-can-also-be-too-cheap/</loc>
		<lastmod>2021-06-24T20:23:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-housing-is-too-expensive-but-it-can-also-be-too-cheap/</loc>
		<lastmod>2021-05-13T19:02:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/doj-will-appeal-judges-ruling-overturning-ban-on-evictions/</loc>
		<lastmod>2021-05-06T13:57:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/humanizing-the-housing-message/</loc>
		<lastmod>2021-06-24T20:22:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-humanizing-the-housing-message/</loc>
		<lastmod>2021-05-03T22:40:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/publication/nhc-joins-organizations-to-urging-lawmakers-to-provide-additional-funding-for-huds-family-self-sufficiency-program/</loc>
		<lastmod>2021-05-14T19:56:56+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/a-look-at-bidens-first-100-days-and-his-impact-on-housing/</loc>
		<lastmod>2021-05-06T21:03:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/out-of-town-homebuyers-with-bigger-budgets-edging-out-locals/</loc>
		<lastmod>2021-04-29T14:57:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/how-to-get-in-line-for-homeowner-assistance-funds/</loc>
		<lastmod>2021-04-26T15:11:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/george-floyd-derrick-chauvin-and-the-right-to-live-in-a-quality-affordable-home-in-a-thriving-community/</loc>
		<lastmod>2021-06-24T20:21:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-george-floyd-derek-chauvin-and-the-right-to-live-in-a-quality-affordable-home-in-a-thriving-community/</loc>
		<lastmod>2021-05-07T20:30:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/homeowners-new-safety-net-leaves-many-at-risk/</loc>
		<lastmod>2021-04-26T15:52:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/the-day-of-reckoning-for-outstanding-rent-payments-is-upon-us/</loc>
		<lastmod>2021-04-26T15:12:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/biden-reinstitutes-obama-policies/</loc>
		<lastmod>2021-04-26T15:12:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-2000-pandemic-related-housing-resources-a-click-away/</loc>
		<lastmod>2021-04-19T17:33:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/mortgage-rates-are-low-heres-when-to-refinance-your-fha-loan-into-a-conventional-mortgage/</loc>
		<lastmod>2021-04-26T15:13:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/2000-pandemic-related-housing-resources-a-click-away/</loc>
		<lastmod>2021-06-24T20:21:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/here-it-is-first-time-homebuyer-credit-legislation/</loc>
		<lastmod>2021-04-26T15:14:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/national-housing-conference-announces-new-policy-and-research-director/</loc>
		<lastmod>2021-04-15T13:47:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/statement-of-nhc-president-and-ceo-david-m-dworkin-on-treasury-departments-guidance-on-the-homeowner-assistance-fund/</loc>
		<lastmod>2021-04-14T22:39:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/statement-of-nhc-president-and-ceo-david-m-dworkin-on-disparate-impact-and-affirmatively-furthering-fair-housing-regulations/</loc>
		<lastmod>2021-04-14T18:22:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-note-the-filibuster-reconciliation-and-the-art-of-the-possible/</loc>
		<lastmod>2021-04-12T14:26:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/the-filibuster-reconciliation-and-the-art-of-the-possible/</loc>
		<lastmod>2021-06-24T20:21:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/how-biden-hopes-to-fix-the-thorniest-problem-in-housing/</loc>
		<lastmod>2021-04-12T16:34:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/biden-seeks-to-ease-housing-shortage-with-looser-zoning-rules/</loc>
		<lastmod>2021-04-07T21:04:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/whats-the-driving-force-behind-the-big-city-exodus/</loc>
		<lastmod>2021-04-08T13:40:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/publication/nhc-and-partners-comments-on-the-consumer-financial-protection-bureaus-notice-of-proposed-rulemaking-on-delaying-the-mandatory-compliance-date-with-the-general-qm-loan-definition/</loc>
		<lastmod>2021-04-09T18:59:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/the-biden-infrastructure-plan-and-its-effect-on-housing/</loc>
		<lastmod>2021-06-24T20:20:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-the-biden-infrastructure-plan-and-its-effect-on-housing/</loc>
		<lastmod>2021-04-09T16:49:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/bidens-infrastructure-plan-earmarks-213-billion-for-housing-heres-how-hed-spend-it/</loc>
		<lastmod>2021-04-07T20:58:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/housing-industry-digs-bidens-american-jobs-plan/</loc>
		<lastmod>2021-04-02T18:54:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/statement-of-nhc-president-and-ceo-david-m-dworkin-on-president-bidens-american-jobs-plan/</loc>
		<lastmod>2021-04-01T20:30:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/what-bidens-infrastructure-plan-does-for-housing/</loc>
		<lastmod>2021-04-01T13:46:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/cdc-extends-eviction-moratorium-buying-time-for-renters-and-landlords-to-get-aid/</loc>
		<lastmod>2021-03-30T21:52:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/biden-faces-decision-time-on-eviction-moratorium/</loc>
		<lastmod>2021-03-30T21:48:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/housing-infrastructure-must-be-a-priority/</loc>
		<lastmod>2021-06-24T20:19:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-housing-infrastructure-must-be-a-priority/</loc>
		<lastmod>2021-04-01T16:20:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/statement-by-david-m-dworkin-president-and-ceo-national-housing-conference-nhc-on-president-bidens-intention-to-nominate-adrianne-todman-for-deputy-secretary-of-u-s-department-of-housing/</loc>
		<lastmod>2021-04-12T17:41:12+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/pioneers-are-always-needed/</loc>
		<lastmod>2021-06-24T20:18:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-pioneers-are-always-needed/</loc>
		<lastmod>2021-04-01T16:21:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/national-housing-conference-announces-new-policy-staff/</loc>
		<lastmod>2021-03-16T17:08:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/going-beyond-the-hashtags/</loc>
		<lastmod>2021-06-24T20:17:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-going-beyond-the-hashtags/</loc>
		<lastmod>2021-03-15T17:35:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/still-cant-pay-your-rent-or-mortgage-heres-how-the-new-stimulus-plan-will-help/</loc>
		<lastmod>2021-03-16T20:28:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/statement-of-nhc-president-and-ceo-david-m-dworkin-on-the-passing-of-president-bidens-covid-19-relief-plan/</loc>
		<lastmod>2021-03-15T16:41:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/statement-of-nhc-president-and-ceo-david-m-dworkin-on-the-confirmation-of-marcia-fudge-as-hud-secretary/</loc>
		<lastmod>2021-03-10T18:32:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/industry-welcomes-marcia-fudge-as-hud-secretary/</loc>
		<lastmod>2021-03-11T16:55:37+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/outsider-emerges-as-top-contender-to-lead-occ/</loc>
		<lastmod>2021-03-12T16:07:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/marcia-fudge-has-ambitious-plans-for-hud-even-though-she-didnt-want-the-job/</loc>
		<lastmod>2021-03-10T16:27:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/leading-experts-in-housing-health-and-communications-to-discuss-housing-policy-priorities/</loc>
		<lastmod>2021-03-10T18:33:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/the-causes-of-housing-cost-growth-and-a-blueprint-for-local-government-action/</loc>
		<lastmod>2021-06-24T20:15:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-the-causes-of-housing-cost-growth-and-a-blueprint-for-local-government-action/</loc>
		<lastmod>2021-03-08T22:13:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/desperate-renters-wait-for-help-as-government-sits-on-millions-in-aid/</loc>
		<lastmod>2021-03-09T21:25:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/staff/david-m-dworkin/</loc>
		<lastmod>2024-03-20T17:58:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-housing-is-a-foundation-for-economic-mobility-and-racial-inclusion/</loc>
		<lastmod>2021-03-01T16:07:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/millions-of-tenants-fall-further-behind-on-rent-as-they-await-federal-covid-19-assistance/</loc>
		<lastmod>2021-03-01T15:42:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/housing-is-a-foundation-for-economic-mobility-and-racial-inclusion/</loc>
		<lastmod>2021-02-27T23:47:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-the-importance-of-partnerships-that-center-resident-outcomes/</loc>
		<lastmod>2021-02-22T15:45:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/the-importance-of-partnerships-that-center-resident-outcomes/</loc>
		<lastmod>2021-06-24T20:14:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/publication/nhcs-comments-on-the-federal-reserves-advance-notice-of-proposed-rulemaking-to-modernize-the-community-reinvestment-act/</loc>
		<lastmod>2021-02-22T19:46:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-cra-and-the-intersection-of-geography-and-race/</loc>
		<lastmod>2021-02-14T23:46:38+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/cra-and-the-intersection-of-geography-and-race/</loc>
		<lastmod>2021-02-14T23:04:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/event/emerging-leaders-in-affordable-housing-webinar-the-year-ahead-in-housing/</loc>
		<lastmod>2021-02-24T16:30:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/publication/national-housing-civil-rights-organizations-urge-congressional-leaders-to-provide-relief-to-struggling-homeowners/</loc>
		<lastmod>2021-02-09T16:54:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/housing-orgs-urge-congressional/</loc>
		<lastmod>2021-02-27T22:16:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/housing-leadership-and-you/</loc>
		<lastmod>2021-06-24T20:12:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-housing-leadership-and-you/</loc>
		<lastmod>2021-02-08T19:11:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/publication/nhc-joins-housing-and-civil-rights-groups-in-their-call-for-homeowner-assistance-fund/</loc>
		<lastmod>2021-02-05T18:29:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/staff/amanda-mitchell/</loc>
		<lastmod>2023-01-04T21:05:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-making-cra-modernization-matter/</loc>
		<lastmod>2021-02-01T17:19:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/making-cra-modernization-matter/</loc>
		<lastmod>2021-06-24T20:00:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/statement-of-nhc-president-and-ceo-david-m-dworkin-on-the-confirmation-of-janet-yellen-as-treasury-secretary/</loc>
		<lastmod>2021-02-09T16:37:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/publication/nhcs-letter-of-support-for-the-nomination-of-rep-marcia-fudge-to-be-secretary-of-housing-and-urban-development/</loc>
		<lastmod>2021-02-22T18:04:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/biden-acts-on-evictions-foreclosures-but-long-term-housing-crisis-looms/</loc>
		<lastmod>2021-01-25T14:35:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-homeowners-should-not-have-to-pay-for-their-own-relief/</loc>
		<lastmod>2021-01-25T19:07:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/homeowners-should-not-have-to-pay-for-their-own-relief/</loc>
		<lastmod>2021-06-24T19:58:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/publication/nhc-joins-housing-and-civil-rights-organizations-to-urge-president-biden-to-provide-25-billion-in-direct-assistance-to-homeowners/</loc>
		<lastmod>2021-03-15T18:01:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/eviction-moratorium-extended-through-end-of-march/</loc>
		<lastmod>2021-01-22T18:15:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/how-bidens-economic-stimulus-plan-might-impact-housing/</loc>
		<lastmod>2021-01-19T20:42:30+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-politics-basic-math-revisited/</loc>
		<lastmod>2021-01-19T21:01:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/politics-basic-math-revisited/</loc>
		<lastmod>2021-06-24T19:58:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/with-democrats-in-control-how-far-will-biden-get-with-his-housing-plan/</loc>
		<lastmod>2021-01-21T21:33:23+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/how-bidens-1-9t-stimulus-plan-impacts-housing/</loc>
		<lastmod>2021-01-19T20:16:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/statement-of-nhc-president-and-ceo-david-m-dworkin-on-president-elect-bidens-relief-plan/</loc>
		<lastmod>2021-01-15T17:12:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/event/solutions-for-affordable-housing-2021/</loc>
		<lastmod>2022-02-28T19:44:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-2021-another-unprecedented-crisis-to-begin-the-new-year/</loc>
		<lastmod>2021-01-12T17:49:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/2021-another-unprecedented-crisis-to-begin-the-new-year/</loc>
		<lastmod>2023-12-06T17:09:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/statement-of-nhc-president-and-ceo-david-m-dworkin-on-president-elect-bidens-nomination-of-don-graves-jr-as-deputy-secretary-of-commerce/</loc>
		<lastmod>2021-01-08T14:24:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/statement-by-david-m-dworkin-president-and-ceo-national-housing-conference-on-the-violence-on-capitol-hill/</loc>
		<lastmod>2021-01-07T20:42:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/statement-of-the-national-housing-conference-on-enactment-of-the-consolidated-appropriations-act/</loc>
		<lastmod>2020-12-28T17:17:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/trump-must-sign-the-stimulus-bill-to-protect-vulnerable-renters/</loc>
		<lastmod>2020-12-24T15:40:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/congress-will-extend-eviction-moratorium-fund-emergency-rent-assistance-with-new-stimulus-deal/</loc>
		<lastmod>2021-01-05T21:02:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/rent-relief-agreement-and-a-new-year-of-challenges-and-opportunities/</loc>
		<lastmod>2021-01-12T17:45:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/with-congressional-announcement-of-covid-relief-whats-next-to-avoid-mass-evictions-a-statement-by-former-treasury-official-david-m-dworkin-president-and-ceo-national-housing-conference/</loc>
		<lastmod>2020-12-28T16:50:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/rent-relief-agreement-and-a-new-year-of-challenges-and-opportunities/</loc>
		<lastmod>2021-06-24T19:55:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/fhfa-extends-gses-affordable-housing-goals-through-2021/</loc>
		<lastmod>2021-01-05T23:33:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/housing-field-reacts-to-marcia-fudge-hud-nomination/</loc>
		<lastmod>2021-01-11T22:26:22+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/member-brief-immeasurable-challenges-and-meaningful-opportunities/</loc>
		<lastmod>2021-01-12T17:43:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/immeasurable-challenges-meaningful-opportunities/</loc>
		<lastmod>2021-06-24T19:54:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/housing-industry-welcomes-fudge-as-hud-secretary/</loc>
		<lastmod>2020-12-24T15:39:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/housing-officials-react-to-nomination-of-marcia-fudge-for-hud-secretary/</loc>
		<lastmod>2020-12-11T15:02:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/how-bidens-hud-pick-marcia-fudge-could-help-struggling-americans/</loc>
		<lastmod>2020-12-10T23:20:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/statement-by-david-m-dworkin-president-and-ceo-national-housing-conference-on-the-nomination-of-rep-marcia-fudge-d-ohio-to-serve-as-secretary-of-u-s-department-of-housing-and-urban-development/</loc>
		<lastmod>2020-12-09T16:41:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/op-ed-pelosi-and-mcconnell-need-to-make-a-stimulus-deal-to-protect-renters/</loc>
		<lastmod>2020-12-08T16:19:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/member-brief-setting-aside-our-differences-to-advance-housing-solutions/</loc>
		<lastmod>2021-01-12T17:43:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/setting-aside-our-differences-to-advance-housing-solutions/</loc>
		<lastmod>2021-06-24T19:52:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/event/solutions-for-housing-communications-2021/</loc>
		<lastmod>2021-03-19T17:43:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/who-should-lead-bidens-hud/</loc>
		<lastmod>2020-12-03T21:58:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/staff/britt-van/</loc>
		<lastmod>2025-01-07T00:33:21+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/leading-experts-in-housing-mortgage-finance-community-development-to-discuss-2021-housing-priorities/</loc>
		<lastmod>2021-05-06T18:17:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/member-brief-solutions-for-2021s-impactful-year-in-housing/</loc>
		<lastmod>2020-11-23T18:28:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/solutions-for-2021s-impactful-year-in-housing/</loc>
		<lastmod>2021-06-24T19:51:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/staff/kara-beigay/</loc>
		<lastmod>2024-08-28T13:42:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/affordable-housing-groups-look-to-biden-to-fulfill-campaign-promises/</loc>
		<lastmod>2020-12-24T15:40:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/not-ok-thats-ok/</loc>
		<lastmod>2021-06-24T19:50:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-not-ok-thats-ok/</loc>
		<lastmod>2020-11-17T21:12:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/staff/brittany-webb/</loc>
		<lastmod>2025-03-04T18:52:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/nhc-praises-president-elect-biden-on-housing-related-agency-review-teams-led-by-graves-and-poethig/</loc>
		<lastmod>2020-11-11T02:42:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/how-president-elect-joe-biden-proposes-to-change-housing-policies/</loc>
		<lastmod>2021-04-12T19:13:16+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-a-new-beginning-with-old-challenges/</loc>
		<lastmod>2020-11-10T22:26:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/a-new-beginning-with-old-challenges/</loc>
		<lastmod>2021-06-24T19:49:54+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/event/housing-finance-agencies-role-in-addressing-affordable-housing-challenges/</loc>
		<lastmod>2021-06-24T20:25:35+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-the-effect-of-covid-19-on-the-latinx-community/</loc>
		<lastmod>2020-11-10T22:27:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/covid19-latinx/</loc>
		<lastmod>2021-06-24T19:47:42+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/black-homeowners-lose-about-14k-over-the-life-of-a-mortgage/</loc>
		<lastmod>2020-11-02T21:33:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/4-plus-decades-of-housing-policy/</loc>
		<lastmod>2020-10-27T20:10:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-4-decades-of-housing-policy/</loc>
		<lastmod>2020-10-27T19:57:59+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/event/national-advisory-council-meeting/</loc>
		<lastmod>2020-10-20T23:12:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/press-release/federal-reserve-governor-lael-brainard-to-discuss-cra-at-nhcs-national-advisory-council-meeting-on-oct-20/</loc>
		<lastmod>2020-10-20T16:08:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/lets-keep-housing-at-the-top-of-the-political-agenda/</loc>
		<lastmod>2021-06-24T19:47:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-lets-keep-housing-at-the-top-of-the-political-agenda/</loc>
		<lastmod>2020-10-20T15:15:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/some-multifamily-borrowers-are-struggling-to-find-small-balance-loans/</loc>
		<lastmod>2020-10-12T16:39:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-exploring-the-nexus-between-health-and-housing/</loc>
		<lastmod>2020-10-13T17:05:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/exploring-the-nexus-between-health-and-housing/</loc>
		<lastmod>2021-06-24T19:45:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/10369/</loc>
		<lastmod>2020-10-12T15:53:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/manufactured-housing-elevating-housing-innovation-and-expanding-attainable-homeownership/</loc>
		<lastmod>2021-06-24T19:44:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/newsletter/nhc-member-brief-manufactured-housing-elevating-housing-innovation-expanding-attainable-homeownership/</loc>
		<lastmod>2020-10-06T17:07:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://nhc.org/news/detroits-new-affordable-housing-fund-to-help-build-resilient-neighborhoods/</loc>
		<lastmod>2020-10-03T15:01:21+00:00</lastmod>
	</url>
</urlset>
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