*Posted before Fannie Mae issued Lender Letter LL-2026-04
March 20, 2026, the White House released a four-page legislative framework titled National Policy Framework for Artificial Intelligence: Legislative Recommendations. The document addresses six policy objectives — plus a seventh section on federal preemption of state AI laws, which the
Administration treats as the structural prerequisite for the other six.
The framework’s centerpiece: federal preemption of state AI laws that impose “undue burdens.”
This is not a bill. It is not an executive order. It is a set of legislative recommendations from the White House to Congress. But for mortgage bankers, the signal matters as much as the statute. The framework reveals where the Administration wants the regulatory center of gravity to land — and
where the legal uncertainty will concentrate over the next twelve to eighteen months.
This handout provides a practitioner-level breakdown: what the framework actually proposes, what it does not do, where it aligns with existing mortgage banking compliance obligations, and where it creates new gaps. No hype. Just the analysis you need to brief your board, advise your clients, or adjust your compliance program.
