NAA Five, for the Week Ending December 12th, 2025

Date postedDecember 12, 2025
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NAAHQ // Dec 12, 2025
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NAA FIVE
A weekly digest of key rental housing news and takeaways
prepared exclusively for NAA’s leadership
 

The Big Picture: A new affordable housing bill in Connecticut has been signed into law. A recently released study finds that 75% of U.S. housing is unaffordable. A housing nonprofit raised $100 million for faster, more flexible and lower cost financing for affordable housing. 
This week’s top stories
What We're Advocating

Monitoring Fee Transparency: For more than a year – and particularly over the past few weeks – actions made by the Federal Trade Commission (FTC) indicate the agency's willingness to regulate rental housing costs and fees and standardize their disclosure. These moves represent a growing area of concern for rental housing providers and one that NAA is monitoring closely and will continue to provide updates on. Learn more. 

The Hill’s Top Lobbyists: NAA’s Assistant Vice Presidents Owen Caine and Nicole Upano were named The Hill’s Top Lobbyists 2025! Top lobbyists were chosen from over 1,800 nominations and highlights lobbyists who have made measurable impacts in the industry. Learn more about the winners.
What We're Saying

Federal Flood Insurance: NAA’s Assistant Vice President Nicole Upano spoke on “The Federal Drive with Terry Gerton,” a podcast on Federal News Network. In this episode, learn more about the National Flood Insurance Program and why it is a key factor for a stable housing market. Watch the episode. 
What We're Doing

Multifamily Trends: Recently, NAA’s Vice President of Research George Ratiu spoke to Multi-Housing News about rental housing industry trends for the upcoming year. In this episode of the NAA Insights podcast series, George says “from my perspective, 2026 looks cautiously optimistic for the multifamily market.” Listen to the episode. 

IRO Podcast: A new episode of the NAA Apartmentcast features a conversation on the importance of IROs to the nation’s affordable housing stock. Read more and listen now. 
What We're Hearing

Interest Rates: “Thanks to its latest decision on Wednesday – its final one for 2025 – the Federal Reserve has now reduced its key overnight lending rate by 1.75 percentage points since it began its rate-cutting cycle in September 2024.” (CNN) 

Affordable Housing: “Connecticut is set to see more affordable housing after Gov. Ned Lamont officially signed new legislation paving the way for growth. The governor held a signing ceremony this week for an affordable housing bill he had signed during a special session right before Thanksgiving.” (Realtor.com) 

 

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