The National Association of Home Builders (NAHB) is calling on Congress to remove excessive federal regulations that raise construction costs and affect housing affordability. Regulatory costs make up nearly 25% of single-family home expenses and over 40% for apartments, worsening the housing shortage of 1.5 million units. A federal mandate tying mortgage insurance to strict building codes is a major concern. NAHB suggests a 10-point plan focusing on regulatory relief to improve affordability and supply.