NAILTA is uniquely situated to provide feedback regarding H.R. 4323, the Consumer Mortgage Choice Act, which seeks to redefine the term "Qualified Mortgage" pursuant to the Dodd-Frank Act . NAILTA members are small business owners across the United States who depend upon the strength of the housing market to survive. Our members fear that efforts to remove affiliated title charges from the definition of “points and fees” under Dodd-Frank will result in the continued decline of competition in the title insurance industry, reduce important underwriting safeguards that keep referral sources like banks and real estate firms out of the business of title insurance and decrease the quality of services provided to consumers. We urge opposition to H.R. 4323.