In this research, we studied the mechanism of bonding a hydroxy-functional organophosphorus oligomer (HFPO) to nylon 6.6 fabric using the formaldehyde derivatives of urea and melamine, including dimethyloldihydroxyethyleneurea (DMDHEU) and trimethylolmelamine (TMM), as the bonding agents. The nylon fabric treated with HFPO/DMDHEU or HFPO/TMM retained significant amount of phosphorus after multiple launderings. The laundering durability of the HFPO applied to nylon was probably attributed to the formation of a crosslinked polymeric network on the nylon fiber. The nylon fabric treated with HFPO/DMDHEU showed higher percent phosphorus retention than that treated with HFPO/TMM. The percent phosphorus retention of the treated nylon increased as the DMDHEU or TMM concentration was increased, and the nylon fabric's stiffness follows the same trend. The micro-scale combustion calorimetry and thermal analysis data indicate that the HFPO bound to nylon reduced peak heat release rate and heat release capacity of the nylon fabric, decreased decomposition temperature and promoted the char formation of the treated fabric. The nylon/cotton blend military fabric treated with HFPO/DMDHEO or HFPO/TMM demonstrated flame retardant performance after 10 laundering cycles.