ACRE Act of 2025
Sponsored By: Representative Feenstra
Introduced
Summary
Excluding interest income on loans secured by rural and agricultural real estate from federal taxable income. This bill would add a new tax code section that lets specified U.S. lenders exclude interest they receive on qualifying rural or agricultural real-estate loans from gross income.
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Bill Overview
Analyzed Economic Effects
1 provisions identified: 1 benefits, 0 costs, 0 mixed.
Tax break could lower rural loan rates
If enacted, certain lenders would not pay income tax on interest from new loans secured by rural or agricultural property, forestland, fishing or seafood sites, or aquaculture facilities. For rural single-family homes, the loan would need to buy or improve the owner’s main home, and total principal across such loans for one home could not exceed $750,000 when interest accrues. Loans would need to be made after enactment; refinancing can qualify to the extent it pays off an older loan. Eligible lenders would include FDIC-insured banks, regulated insurers, some U.S.-based affiliates of bank or insurance holding companies, and, for some property, Farm Credit System lenders; borrowers tied to certain foreign adversaries (China, Russia, Iran, North Korea, Cuba, and Venezuela while Nicolás Maduro is President) would be excluded. Standard rules for tax‑exempt interest would apply to lenders, and a federal report would review the impact within five years.
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Sponsors & CoSponsors
Sponsor
Feenstra
IA • R
Cosponsors
Davis (NC)
NC • D
Sponsored 3/4/2025
Moran
TX • R
Sponsored 3/4/2025
Bost
IL • R
Sponsored 3/11/2025
Bice
OK • R
Sponsored 3/11/2025
Estes
KS • R
Sponsored 3/24/2025
LaHood
IL • R
Sponsored 3/24/2025
Nunn (IA)
IA • R
Sponsored 3/24/2025
Fields
LA • D
Sponsored 3/24/2025
Scholten
MI • D
Sponsored 3/24/2025
Schmidt
KS • R
Sponsored 3/24/2025
Neguse
CO • D
Sponsored 3/24/2025
Fitzgerald
WI • R
Sponsored 3/24/2025
Johnson (SD)
SD • R
Sponsored 3/24/2025
Van Orden
WI • R
Sponsored 3/24/2025
Steil
WI • R
Sponsored 3/24/2025
Pettersen
CO • D
Sponsored 3/24/2025
Costa
CA • D
Sponsored 3/24/2025
Mann
KS • R
Sponsored 3/24/2025
Miller-Meeks
IA • R
Sponsored 3/24/2025
Valadao
CA • R
Sponsored 3/25/2025
Finstad
MN • R
Sponsored 3/26/2025
Bergman
MI • R
Sponsored 3/27/2025
Moolenaar
MI • R
Sponsored 4/7/2025
Moore (UT)
UT • R
Sponsored 4/7/2025
Hinson
IA • R
Sponsored 4/7/2025
Barr
KY • R
Sponsored 4/7/2025
Wagner
MO • R
Sponsored 4/7/2025
Bilirakis
FL • R
Sponsored 4/7/2025
McClain
MI • R
Sponsored 4/7/2025
Van Drew
NJ • R
Sponsored 4/9/2025
Kustoff
TN • R
Sponsored 4/10/2025
Graves
MO • R
Sponsored 4/10/2025
Panetta
CA • D
Sponsored 4/17/2025
Carbajal
CA • D
Sponsored 4/17/2025
Meuser
PA • R
Sponsored 4/17/2025
Budzinski
IL • D
Sponsored 4/17/2025
Flood
NE • R
Sponsored 4/24/2025
Ross
NC • D
Sponsored 4/24/2025
Pappas
NH • D
Sponsored 4/24/2025
De La Cruz
TX • R
Sponsored 4/24/2025
Fitzpatrick
PA • R
Sponsored 4/30/2025
Conaway
NJ • D
Sponsored 4/30/2025
Fischbach
MN • R
Sponsored 4/30/2025
Fedorchak
ND • R
Sponsored 5/5/2025
Salinas
OR • D
Sponsored 5/5/2025
Carter (GA)
GA • R
Sponsored 5/5/2025
Owens
UT • R
Sponsored 5/6/2025
Sewell
AL • D
Sponsored 5/7/2025
Bishop
GA • D
Sponsored 5/7/2025
McBride
DE • D
Sponsored 5/9/2025
Ryan
NY • D
Sponsored 5/9/2025
Pocan
WI • D
Sponsored 5/9/2025
Shreve
IN • R
Sponsored 5/14/2025
McGuire
VA • R
Sponsored 5/14/2025
Womack
AR • R
Sponsored 5/15/2025
Westerman
AR • R
Sponsored 6/3/2025
Johnson (TX)
TX • D
Sponsored 6/5/2025
Harshbarger
TN • R
Sponsored 6/5/2025
Williams (TX)
TX • R
Sponsored 6/12/2025
Landsman
OH • D
Sponsored 6/27/2025
McClain Delaney
MD • D
Sponsored 7/2/2025
Vindman
VA • D
Sponsored 10/3/2025
McDonald Rivet
MI • D
Sponsored 12/18/2025
Roll Call Votes
No roll call votes available for this bill.
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