# 119-hr-166: Fair Lending for All Act

119-hr-166, Fair Lending for All Act, is a 119th Congress bill sponsored by Rep. Green, Al [D-TX-9] (D-TX); status introduced; PRIA reads it as touching household money (as of 2026-09-02).

- Canonical: https://policyrisk.com/legislation/119-hr-166
- As of: 2026-09-02
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-166
- Congress: 119
- Title: Fair Lending for All Act
- Status: introduced
- Introduced: 2025-01-03
- Sponsor: Rep. Green, Al [D-TX-9] (D-TX)
- Cosponsors: 1
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-09-02

## Summary

**Expand protected classes in credit law.** The Fair Lending for All Act would add sexual orientation, gender identity, and an applicant's ZIP code or census tract to the Equal Credit Opportunity Act and tighten enforcement with testing, criminal penalties, and expanded mortgage data collection. - Families and borrowers: It would bar credit discrimination for sexual orientation, gender identity, and neighborhood (ZIP code or census tract). Home Mortgage Disclosure Act reporting would collect those fields plus income and demographic data to help identify patterns of discrimination. - Lenders and executives: The bill would create new criminal penalties. Individual violations can carry fines up to $50,000 and up to 1 year in prison. Pattern-or-practice violations can carry fines up to $100,000 per violation and up to 20 years in prison. Executives who knowingly direct violations could face fines equal to up to 100 percent of compensation and up to 5 years in prison. - Regulators and enforcement: It would create a CFPB Office of Fair Lending Testing with a civil service director on a five-year term to run undercover compliance tests, review loan applications and processes, and refer possible violations to the Attorney General. The CFPB and Attorney General must include testing results and summaries of criminal enforcement in their reports.

## Cosponsors (1)

- Rep. Tlaib, Rashida [D-MI-12] (D-MI), 2026-08-31T00:00:00.000Z

## Provisions PRIA read

- Stronger protections against credit discrimination: benefit, high. This bill would ban credit discrimination on more grounds. It would cover race, color, religion, national origin, sex (including sexual orientation and gender identity), marital status, and age if you can legally contract. It would also bar bias based on ZIP Code or census tract, income from public…
- Undercover testing and tougher lending penalties: benefit, medium. The bill would create a new Office of Fair Lending Testing at the consumer bureau with a director serving five years. The office could use undercover testers and must refer suspected violations to the Attorney General. The bureau could review loan applications and intake processes and ban any that…
- More home loan data lenders must report: mixed, high. Lenders would have to collect and report more details about home loan applicants. The list would include ZIP Code, census tract, income level, race, color, religion, national origin, sex, marital status, sexual orientation, gender identity, and age. The consumer bureau could also require these cate…

## Related bills

- 119-hr-6644: 21st Century ROAD to Housing Act
- 119-hr-7977: Energy Bills Relief Act
- 119-hr-7973: Momnibus Act
- 119-hr-6771: Housing Crisis Response Act of 2025
- 119-hr-2038: American Housing and Economic Mobility Act of 2025
- 119-hr-5658: Child Care for Every Community Act

## Sources
- [119-hr-166 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/166)

## Related
- [119-hr-6644: 21st Century ROAD to Housing Act](https://policyrisk.com/legislation/119-hr-6644)
- [119-hr-7977: Energy Bills Relief Act](https://policyrisk.com/legislation/119-hr-7977)
- [119-hr-7973: Momnibus Act](https://policyrisk.com/legislation/119-hr-7973)
- [119-hr-6771: Housing Crisis Response Act of 2025](https://policyrisk.com/legislation/119-hr-6771)
- [119-hr-2038: American Housing and Economic Mobility Act of 2025](https://policyrisk.com/legislation/119-hr-2038)
- [119-hr-5658: Child Care for Every Community Act](https://policyrisk.com/legislation/119-hr-5658)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-166 (as of 2026-09-02).