# 117-hr-7049: Mortgage Borrower Protection Act of 2022

117-hr-7049, Mortgage Borrower Protection Act of 2022, is a 117th Congress bill sponsored by Rep. Sherman, Brad [D-CA-32] (D-CA); status Referred to the House Committee on Financial Services. (as of 2025-11-18).

- Canonical: https://policyrisk.com/legislation/117-hr-7049
- As of: 2025-11-18
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 117-hr-7049
- Congress: 117
- Title: Mortgage Borrower Protection Act of 2022
- Status: Referred to the House Committee on Financial Services.
- Introduced: 2022-03-09
- Sponsor: Rep. Sherman, Brad [D-CA-32] (D-CA)
- Cosponsors: 0
- Policy area: Finance and Financial Sector
- Touches household money: no
- Last recorded action: 2025-11-18

## Summary

Mortgage Borrower Protection Act of 2022 This bill requires an entity extending a Property Assessed Clean Energy (PACE) financing agreement to receive written consent from each owner of any residential mortgage loan or other recorded lien on the property before extending such financing to the dwelling owner. (PACE financing is used to cover the costs of home improvements such as energy-efficient improvements. The subsequent lien is tied to the specific property in the form of a tax assessment.) Consent is not required if the PACE financing does not have priority over the mortgage loan or lien.

## Related bills

- 117-hr-2471: Consolidated Appropriations Act, 2022
- 117-hr-1448: PAWS for Veterans Therapy Act
- 117-hr-3537: Accelerating Access to Critical Therapies for ALS Act
- 117-hr-7791: Access to Baby Formula Act of 2022
- 117-hr-263: Big Cat Public Safety Act
- 117-hr-6899: Russia and Belarus SDR Exchange Prohibition Act of 2022

## Sources
- [117-hr-7049 on Congress.gov](https://www.congress.gov/bill/117th-congress/house-bill/7049)

## Related
- [117-hr-2471: Consolidated Appropriations Act, 2022](https://policyrisk.com/legislation/117-hr-2471)
- [117-hr-1448: PAWS for Veterans Therapy Act](https://policyrisk.com/legislation/117-hr-1448)
- [117-hr-3537: Accelerating Access to Critical Therapies for ALS Act](https://policyrisk.com/legislation/117-hr-3537)
- [117-hr-7791: Access to Baby Formula Act of 2022](https://policyrisk.com/legislation/117-hr-7791)
- [117-hr-263: Big Cat Public Safety Act](https://policyrisk.com/legislation/117-hr-263)
- [117-hr-6899: Russia and Belarus SDR Exchange Prohibition Act of 2022](https://policyrisk.com/legislation/117-hr-6899)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/117-hr-7049 (as of 2025-11-18).