Legislation5 days ago
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To authorize implementation grants to community-based nonprofits to operate one-stop reentry centers.
HR8548Rep. Kamlager-Dove, Sydney [D-CA-37] (D-CA)
introduced
HR3206119th CongressWALLET
Protecting America's Property Rights Act
Sponsored By: Representative Garbarino
Introduced
Summary
This bill would expand federal oversight of products that cover title and lien risks and set rules for how housing enterprises rely on those products. It focuses on which third‑party protections count as acceptable coverage and how Enterprises must handle mortgages that lack eligible products.
Show full summary
- Enterprises would be authorized to manage risk from liens, encumbrances, or title defects by accepting third‑party products that are regulated by a State insurance authority or a State regulator. That gives supervisors a clear standard for when such products count toward risk management.
- Any mortgage that does not meet the bill’s definition of an eligible product would require Enterprises to hold an additional capital buffer equal to 1.0 percent of the unpaid principal balance. That raises the capital charge for loans relying on unregulated title protections.
- The Director would be required to issue implementing regulations and guidance within 180 days after enactment to verify a product is properly regulated and to set documentation and compliance rules for Enterprises.
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Bill Overview
Analyzed Economic Effects
1 provisions identified: 0 benefits, 0 costs, 1 mixed.
New title-risk options, extra capital on some loans
If enacted, the housing Enterprises would be allowed to manage lien and title risks using third‑party products regulated by a state insurance authority or a state regulator. The FHFA Director would have 180 days to issue rules and guidance, including checks that these products are properly regulated. For any mortgage the Enterprises buy that does not use a qualifying state‑regulated product, the Director would require extra capital equal to 1.00% of the loan’s unpaid balance. That added buffer could lead to higher fees or slightly higher loan prices on those loans. This would change mortgage practices but would not send direct payments to households.
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Sponsors & CoSponsors
Sponsor
Garbarino
NY • R
Cosponsors
Rep. Gonzalez, Vicente [D-TX-34]
TX • D
Sponsored 5/6/2025
Rep. Moskowitz, Jared [D-FL-23]
FL • D
Sponsored 5/21/2025
McBride
DE • D
Sponsored 6/20/2025
Davidson
OH • R
Sponsored 6/26/2025
Rep. Johnson, Julie [D-TX-32]
TX • D
Sponsored 7/16/2025
Rep. Alford, Mark [R-MO-4]
MO • R
Sponsored 7/16/2025
Barr
KY • R
Sponsored 7/17/2025
Mann
KS • R
Sponsored 7/25/2025
Rep. Sherman, Brad [D-CA-32]
CA • D
Sponsored 8/26/2025
Rep. Morelle, Joseph D. [D-NY-25]
NY • D
Sponsored 10/3/2025
Rep. Kim, Young [R-CA-40]
CA • R
Sponsored 12/2/2025
Rep. Costa, Jim [D-CA-21]
CA • D
Sponsored 12/4/2025
Reschenthaler
PA • R
Sponsored 12/16/2025
Rep. Min, Dave [D-CA-47]
CA • D
Sponsored 12/18/2025
Rep. Steube, W. Gregory [R-FL-17]
FL • R
Sponsored 1/15/2026
Rep. Suozzi, Thomas R. [D-NY-3]
NY • D
Sponsored 2/2/2026
Rep. Meuser, Daniel [R-PA-9]
PA • R
Sponsored 2/20/2026
Johnson (SD)
SD • R
Sponsored 3/18/2026
Rep. Lawler, Michael [R-NY-17]
NY • R
Sponsored 3/18/2026
Roll Call Votes
No roll call votes available for this bill.
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