# 114-hr-4620: Preserving Access to CRE Capital Act of 2016

114-hr-4620, Preserving Access to CRE Capital Act of 2016, is a 114th Congress bill sponsored by Rep. Hill, J. French [R-AR-2] (R-AR); status Placed on the Union Calendar, Calendar No. 463. (as of 2025-11-18).

- Canonical: https://policyrisk.com/legislation/114-hr-4620
- As of: 2025-11-18
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 114-hr-4620
- Congress: 114
- Title: Preserving Access to CRE Capital Act of 2016
- Status: Placed on the Union Calendar, Calendar No. 463.
- Introduced: 2016-02-25
- Sponsor: Rep. Hill, J. French [R-AR-2] (R-AR)
- Cosponsors: 7
- Policy area: Finance and Financial Sector
- Touches household money: no
- Last recorded action: 2025-11-18

## Summary

Preserving Access to CRE Capital Act of 2016 This bill amends the Securities Exchange Act of 1934 concerning credit risk retention standards for commercial real estate loans to revise the optional standard that may include retention of the first-loss position by a third-party purchaser that specifically negotiates for the purchase of that first loss position, holds adequate financial resources to back losses, provides due diligence on all individual assets in the pool before issuance of the asset-backed securities, and meets the same standards for risk retention as the federal banking agencies and the Securities and Exchange Commission (SEC) require of the securitizer. The revised specifications for retention of the first-loss position by a third-party purchaser shall mean the permissible risk retention of the first-loss position by a one or two party third-party purchaser, who may hold the retention obligation in either a senior-subordinate structure or pari passu (where two or more assets, securities, creditors or obligations are equally managed without any display of preference), as long as each party meets the requirements expressed above. The bill exempts from risk retention requirements the securitization of a single commercial real estate loan or a group of cross-collateralized or cross-defaulted commercial real estate loans that represent the obligation of one or more related borrowers secured by commercial properties under direct or indirect common ownership or control. The SEC and the federal banking agencies shall jointly maintain specified regulations which exempt qualified commercial real estate loans from risk retention requirements.

## Cosponsors (7)

- Rep. Messer, Luke [R-IN-6] (R-IN), 2016-02-26T00:00:00.000Z
- Rep. Carney, John C., Jr. [D-DE-At Large] (D-DE), 2016-05-23T00:00:00.000Z
- Rep. Neugebauer, Randy [R-TX-19] (R-TX), 2016-05-25T00:00:00.000Z
- Rep. Huizenga, Bill [R-MI-4] (R-MI), 2016-05-25T00:00:00.000Z
- Rep. Wagner, Ann [R-MO-2] (R-MO), 2016-05-25T00:00:00.000Z
- Rep. Stivers, Steve [R-OH-15] (R-OH), 2016-05-25T00:00:00.000Z
- Rep. Barr, Andy [R-KY-6] (R-KY), 2016-05-26T00:00:00.000Z

## Related bills

- 114-hr-4352: Faster Care for Veterans Act of 2016
- 114-hr-1550: Financial Stability Oversight Council Improvement Act of 2015
- 114-hr-5621: To posthumously award a Congressional Gold Medal to Lawrence Eugene "Larry" Doby in recognition of his achievements and contributions to American major league…
- 114-hr-5143: Transparent Insurance Standards Act of 2016
- 114-hr-4938: Free File Act of 2016
- 114-hr-4773: Protecting Workplace Advancement and Opportunity Act

## Sources
- [114-hr-4620 on Congress.gov](https://www.congress.gov/bill/114th-congress/house-bill/4620)

## Related
- [114-hr-4352: Faster Care for Veterans Act of 2016](https://policyrisk.com/legislation/114-hr-4352)
- [114-hr-1550: Financial Stability Oversight Council Improvement Act of 2015](https://policyrisk.com/legislation/114-hr-1550)
- [114-hr-5621: To posthumously award a Congressional Gold Medal to Lawrence Eugene "Larry" Dob…](https://policyrisk.com/legislation/114-hr-5621)
- [114-hr-5143: Transparent Insurance Standards Act of 2016](https://policyrisk.com/legislation/114-hr-5143)
- [114-hr-4938: Free File Act of 2016](https://policyrisk.com/legislation/114-hr-4938)
- [114-hr-4773: Protecting Workplace Advancement and Opportunity Act](https://policyrisk.com/legislation/114-hr-4773)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/114-hr-4620 (as of 2025-11-18).