b'2021 ANNUAL REPORT misleading vitamin fortification claims on alcoholic beverages. CFA also met with congressional leaders and identified potential champions for a bill that would amend the Alcoholic Beverage Labeling Act of 1988 to provide for a warning statement on alcoholic beverages that would increase consumer awareness of the link between alcohol and cancer.Housing: The COVID-19 pandemic continues to create significant housing pressures for a number of Americas consumers. In 2021, CFA worked hard to push federal policymakers to adopt forbearance and loss mitigation policies that gave pandemic-affected consumers a realistic chance of remaining in their homes as their forbearance periods ended. The result was a series of modifications and forbearance extensions adopted by the Federal Housing Administration, Department of Veterans Affairs (VA), and Federal Housing Finance Agency that resulted in giving consumers more time and more options to help them remain in their homes.CFA also worked to propose solutions to close the homeownership gap for minorities, such as a VA Loan restoration proposal to allow unused VA Home loan benefits to be passed down to dependents in order to expand access to responsible, affordable mortgage credit.In addition to CFAs work to support housing challenges caused by the pandemic and expand access to affordable, nonpredatory mortgages for consumers of color, CFA pushed for expanded emphasis on affordable housing at the nations government-sponsored enterprises by advocating for re-examination of loan-level pricing adjustments, strengthened affordable housing goals, and an expanded view of the enterprises duty-to-serve obligations.CFAs advocacy fight against attempts to undermine and repeal important consumer housing protections established by the Dodd-Frank Wall Street Reform and Consumer Protection Act continued in 2021, when CFA actively pushed the Consumer Financial Protection Bureau to delay implementing its previously proposed expanded definition of a Qualified Mortgage under Dodd-Frank. CFA continued to reinforce the importance of ensuring that the ability-to-repay requirements applicable to mortgages remain a meaningful protection against predatory mortgage lending. 2021 ANNUAL REPORT9'