# 115-hr-3221: Securing Access to Affordable Mortgages Act

115-hr-3221, Securing Access to Affordable Mortgages Act, is a 115th Congress bill sponsored by Rep. Kustoff, David [R-TN-8] (R-TN); status Placed on the Union Calendar, Calendar No. 448. (as of 2025-11-18).

- Canonical: https://policyrisk.com/legislation/115-hr-3221
- 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-3221
- Congress: 115
- Title: Securing Access to Affordable Mortgages Act
- Status: Placed on the Union Calendar, Calendar No. 448.
- Introduced: 2017-07-13
- Sponsor: Rep. Kustoff, David [R-TN-8] (R-TN)
- Cosponsors: 2
- Policy area: Housing and Community Development
- Touches household money: no
- Last recorded action: 2025-11-18

## Summary

Securing Access to Affordable Mortgages Act This bill amends the Truth in Lending Act and the Financial Institutions Reform, Recovery, and Enforcement Act of 1989 to exempt from property appraisal requirements a mortgage loan of $250,000 or less if it appears on the loan creditor's balance sheet for at least three years. The bill exempts mortgage lenders and others involved in real estate transactions from incurring penalties for failing to report appraiser misconduct.

## Cosponsors (2)

- Rep. Luetkemeyer, Blaine [R-MO-3] (R-MO), 2017-07-13T00:00:00.000Z
- Rep. Tenney, Claudia [R-NY-24] (R-NY), 2017-11-14T00:00:00.000Z

## Related bills

- 115-hr-5499: Stephen Michael Gleason Congressional Gold Medal Act
- 115-hr-5275: Agricultural Certainty for Reporting Emissions Act
- 115-hr-5141: United States-Israel Security Assistance Authorization Act of 2018
- 115-hr-5132: Iranian Revolutionary Guard Corps Economic Exclusion Act
- 115-hr-4392: To provide that the provision of the Medicare Program: Hospital Outpatient Prospective Payment and Ambulatory Surgical Center Payment Systems and Quality Repor…
- 115-hr-4107: USS Indianapolis Congressional Gold Medal Act

## Sources
- [115-hr-3221 on Congress.gov](https://www.congress.gov/bill/115th-congress/house-bill/3221)

## Related
- [115-hr-5499: Stephen Michael Gleason Congressional Gold Medal Act](https://policyrisk.com/legislation/115-hr-5499)
- [115-hr-5275: Agricultural Certainty for Reporting Emissions Act](https://policyrisk.com/legislation/115-hr-5275)
- [115-hr-5141: United States-Israel Security Assistance Authorization Act of 2018](https://policyrisk.com/legislation/115-hr-5141)
- [115-hr-5132: Iranian Revolutionary Guard Corps Economic Exclusion Act](https://policyrisk.com/legislation/115-hr-5132)
- [115-hr-4392: To provide that the provision of the Medicare Program: Hospital Outpatient Pros…](https://policyrisk.com/legislation/115-hr-4392)
- [115-hr-4107: USS Indianapolis Congressional Gold Medal Act](https://policyrisk.com/legislation/115-hr-4107)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/115-hr-3221 (as of 2025-11-18).