Will AB 801 Change How We Lend in 2026? | IMPACT Podcast

Will AB 801 Change How We Lend in 2026? | IMPACT Podcast

From CONNECT by California MBA by The California MBA

February 6, 2026 · 14 min

About this episode

Paul Gigliotti and Chuck Iverson discuss the implications of California's proposed AB 801 on lending practices and housing affordability.

In this episode of the IMPACT Podcast, California MBA CEO Paul Gigliotti sits down with Chuck Iverson to break down California’s proposed Community Reinvestment Act (AB 801) and what it means for the industry heading into 2026. While the intent behind new legislation is often to help, Paul and Chuck discuss why policy must be grounded in operational reality to avoid unintended consequences for housing affordability and credit access. Key Realities Discussed in this Episode: The IMB Impact: Why independent mortgage bankers are already the primary drivers of lending to LMI and minority borrowers. Policy vs. Reality: The danger of well-intended legislation that ignores the mechanics of the mortgage market. The 2026 Outlook: What the California MBA is doing to ensure advocacy is driven by data and consumer impact. About the IMPACT Podcast: The IMPACT Podcast brings you the conversations that shape the mortgage industry, featuring leaders who are navigating the intersection of policy, business, and advocacy.

People in this episode

Guest: Chuck Iverson

Topics covered

  • California's Community Reinvestment Act
  • lending
  • housing affordability
  • credit access
  • mortgage market

Keywords

  • AB 801
  • IMB Impact
  • LMI borrowers
  • minority borrowers
  • 2026 Outlook

Mentioned in this episode

Books & works: MBA

Places: California

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