SFA on the Issues

Educating legislators and regulators on policy matters is essential to the structured finance industry.

As an organization whose members have incredibly diverse interests and varied perspectives, the Structured Finance Association engages in advocacy, policy and research regarding issues impacting the safe and sound functioning of the entire securitization and structured finance markets.

We see our role as that of a bridge, linking the policymaking and securitization communities to ensure that an informed, two-way dialogue allows for robust discussion and optimal policy outcomes.

November 23, 2020

On November 18, the Office of Financial Research (OFR) submitted its Annual Report to Congress. The 177-page report concludes that “significant downside risks to financial stability persist amid high uncertainty” and that “[t]here remains a striking contrast between the quick recovery of financial markets and the slower recovery of the economy.” We take a brief look at some of these risks and the potential impact on consumers, corporations, and securitization.

November 20, 2020

Growing ESG in securitization: 81% of issuers incorporate ESG in their overall business operations, 73% within asset origination/underwriting practices, and 56% sponsoring or developing ESG-focused ABS/MBS programs. “Client Demand” is #1 factor motivating ESG for Institutional Investors in securitization. View the results and takeaways of SFA ESG Engagement survey.

October 28, 2020

The transition away from LIBOR to SOFR is due to become a reality by year-end 2021. With the impact of COVID-19 still evolving, some have questioned whether more uncertainty should be introduced into the market. We look at recent developments and their potential impacts.

September 3, 2020

SFA submitted a letter to the Office of the Comptroller of the Currency (OCC) in response to its proposal concerning when national banks or federal savings associations (a “Bank”) make loans and are the “true lender”. SFA supports the proposal as an important corollary to the recently finalized ‘valid when made’ rule in order to ensure the enforceability of the interest rate and other terms of loan agreements when a Bank finances or sell the loans to non-bank entities.

September 14, 2020

As colleges commence their fall semesters across the country, we take a look at how the pandemic is affecting college enrollment, student loan repayment, and the ultimate impact on student loan ABS.

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COVID-19: Supporting Consumers & Businesses

Capital & Other Bank Regulations

Disclosure & Reporting

ESG Investing

Global Initiatives

Housing Finance

LIBOR Transition

Market Structure & Dynamics

Research Corner

Structured Finance in the Courts

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As an industry-owned trade association, we’re strongest when we work together. Make sure your professional voice is heard by joining us.

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