# 119-hr-10325: To increase the mandatory contribution amount of Federal Home Loan Banks to the Affordable Housing Program, and for other purposes.

119-hr-10325, To increase the mandatory contribution amount of Federal Home Loan Banks to the Affordable Housing Program, and for other purposes., is a 119th Congress bill sponsored by Rep. Waters, Maxine [D-CA-43] (D-CA); status in_committee; PRIA reads it as touching household money (as of 2026-10-01).

- Canonical: https://policyrisk.com/legislation/119-hr-10325
- As of: 2026-10-01
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-10325
- Congress: 119
- Title: To increase the mandatory contribution amount of Federal Home Loan Banks to the Affordable Housing Program, and for other purposes.
- Status: in_committee
- Introduced: 2026-09-08
- Sponsor: Rep. Waters, Maxine [D-CA-43] (D-CA)
- Cosponsors: 0
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-10-01

## Summary

**Would create a $100 million annual floor for the Affordable Housing Program and tie future contributions to the Federal Home Loan Banks' prior-year net income.** It would also limit the existing contribution formula to 1995 through 2025 and set a new rule that, beginning in 2026, annual aggregate contributions equal 15% of the Banks' preceding-year net income or a prorated sum needed to reach the $100 million minimum. - Families and renters: Would make AHP funding more stable and predictable, which can help support affordable housing projects and local rental assistance. - Federal Home Loan Banks: Would require the Banks as a group to provide either 15% of their prior-year net income or prorated amounts so total contributions are at least $100 million each year. - AHP administrators and developers: Would give program managers a clear funding floor for planning and could smooth year-to-year grant levels.

## Provisions PRIA read

- More stable funding for affordable housing: mixed, medium. This bill would change Affordable Housing Program funding rules. It would limit an older contribution rule to the years 1995 through 2025. Starting in 2026, the Federal Home Loan Banks would have to contribute 15% of the prior year's net income to the program. If the Banks' 15% totals less than $10…

## Related bills

- 119-hr-6644: 21st Century ROAD to Housing Act
- 119-hr-3151: SHIPS for America Act of 2025
- 119-hr-6771: Housing Crisis Response Act of 2025
- 119-hr-7977: Energy Bills Relief Act
- 119-hres-1299: Providing for the concurrence by the House in the Senate amendment to H.R. 6644, with amendment.
- 119-hr-7481: Department of Homeland Security Appropriations Act, 2026

## Sources
- [119-hr-10325 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/10325)

## Related
- [119-hr-6644: 21st Century ROAD to Housing Act](https://policyrisk.com/legislation/119-hr-6644)
- [119-hr-3151: SHIPS for America Act of 2025](https://policyrisk.com/legislation/119-hr-3151)
- [119-hr-6771: Housing Crisis Response Act of 2025](https://policyrisk.com/legislation/119-hr-6771)
- [119-hr-7977: Energy Bills Relief Act](https://policyrisk.com/legislation/119-hr-7977)
- [119-hres-1299: Providing for the concurrence by the House in the Senate amendment to H.R. 6644…](https://policyrisk.com/legislation/119-hres-1299)
- [119-hr-7481: Department of Homeland Security Appropriations Act, 2026](https://policyrisk.com/legislation/119-hr-7481)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-10325 (as of 2026-10-01).