Mortgage Bankers Association

Lawmakers from both political parties are increasingly interested in forcing lenders that offer loans to upgrade home heating and cooling systems to issue better disclosures, a prospect that has some in the industry nervous.

The industry expects to lean on technological efficiencies this year as higher rates and dwindling refinances test their businesses.

The Mortgage Bankers Association is trying to jump-start discussions around housing finance reform even as political dysfunction on Capitol Hill is reaching new lows.

Any economic environment, including this one, has risks but it is unclear whether banks are sufficiently worried about what lies ahead.