# 115-hr-2148: Clarifying Commercial Real Estate Loans

115-hr-2148, Clarifying Commercial Real Estate Loans, is a 115th Congress bill sponsored by Rep. Pittenger, Robert [R-NC-9] (R-NC); status Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. (as of 2025-11-18).

- Canonical: https://policyrisk.com/legislation/115-hr-2148
- As of: 2025-11-18
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 115-hr-2148
- Congress: 115
- Title: Clarifying Commercial Real Estate Loans
- Status: Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
- Introduced: 2017-04-26
- Sponsor: Rep. Pittenger, Robert [R-NC-9] (R-NC)
- Cosponsors: 16
- Policy area: Finance and Financial Sector
- Touches household money: no
- Last recorded action: 2025-11-18

## Summary

Clarifying Commercial Real Estate Loans This bill amends the Federal Deposit Insurance Act to specify that a federal banking agency may not subject a depository institution to higher capital standards with respect to a high-volatility commercial real-estate (HVCRE) exposure unless the exposure is an HVCRE acquisition, development, or construction (ADC) loan. An HVCRE ADC loan is a one that: (1) is secured by land or improved real property; (2) has the purpose of providing financing to acquire, develop, or improve the real property such that the property becomes income-producing; and (3) is dependent upon future income or sales proceeds from, or refinancing of, the real property for the repayment of the loan. An HVCRE ADC loan does not include financing for a one- to four-family residential property, agricultural land, real property that would qualify as an investment in community development, existing income-producing real property secured by a mortgage, or certain commercial real-property projects. Furthermore, such a loan does not include any loan made prior to January 1, 2015. A depository institution may reclassify a loan as a non-HVCRE ADC loan if the depository institution is satisfied that: (1) the acquisition, development, or improvement of real property being financed by the loan is complete; and (2) the cash flow being generated by the real property is sufficient to support the debt service and expenses of the real property.

## Cosponsors (16)

- Rep. Fitzpatrick, Brian K. [R-PA-1] (R-PA), 2017-09-06T00:00:00.000Z
- Rep. Luetkemeyer, Blaine [R-MO-3] (R-MO), 2017-10-02T00:00:00.000Z
- Rep. Loudermilk, Barry [R-GA-11] (R-GA), 2017-10-03T00:00:00.000Z
- Rep. Emmer, Tom [R-MN-6] (R-MN), 2017-10-12T00:00:00.000Z
- Rep. Davidson, Warren [R-OH-8] (R-OH), 2017-10-16T00:00:00.000Z
- Rep. Scott, David [D-GA-13] (D-GA), 2017-04-26T00:00:00.000Z
- Rep. Walker, Mark [R-NC-6] (R-NC), 2017-05-16T00:00:00.000Z
- Rep. Ross, Dennis A. [R-FL-15] (R-FL), 2017-06-06T00:00:00.000Z
- Rep. Wagner, Ann [R-MO-2] (R-MO), 2017-06-06T00:00:00.000Z
- Rep. Barr, Andy [R-KY-6] (R-KY), 2017-06-08T00:00:00.000Z
- Rep. Tipton, Scott R. [R-CO-3] (R-CO), 2017-06-13T00:00:00.000Z
- Rep. Stivers, Steve [R-OH-15] (R-OH), 2017-06-16T00:00:00.000Z
- Rep. Gottheimer, Josh [D-NJ-5] (D-NJ), 2017-08-25T00:00:00.000Z
- Rep. Coffman, Mike [R-CO-6] (R-CO), 2017-09-07T00:00:00.000Z
- Sen. Budd, Ted [R-NC] (R-NC), 2017-09-26T00:00:00.000Z
- Rep. Messer, Luke [R-IN-6] (R-IN), 2017-09-26T00:00:00.000Z

## Related bills

- 115-hr-849: Protecting Seniors Access to Medicare Act
- 115-hr-184: Protect Medical Innovation Act of 2018
- 115-hr-5499: Stephen Michael Gleason Congressional Gold Medal Act
- 115-hr-3312: Systemic Risk Designation Improvement Act of 2017
- 115-hr-2519: The American Legion 100th Anniversary Commemorative Coin Act
- 115-hr-1861: Larry Doby Congressional Gold Medal Act

## Sources
- [115-hr-2148 on Congress.gov](https://www.congress.gov/bill/115th-congress/house-bill/2148)

## Related
- [115-hr-849: Protecting Seniors Access to Medicare Act](https://policyrisk.com/legislation/115-hr-849)
- [115-hr-184: Protect Medical Innovation Act of 2018](https://policyrisk.com/legislation/115-hr-184)
- [115-hr-5499: Stephen Michael Gleason Congressional Gold Medal Act](https://policyrisk.com/legislation/115-hr-5499)
- [115-hr-3312: Systemic Risk Designation Improvement Act of 2017](https://policyrisk.com/legislation/115-hr-3312)
- [115-hr-2519: The American Legion 100th Anniversary Commemorative Coin Act](https://policyrisk.com/legislation/115-hr-2519)
- [115-hr-1861: Larry Doby Congressional Gold Medal Act](https://policyrisk.com/legislation/115-hr-1861)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/115-hr-2148 (as of 2025-11-18).