# 119-hr-3206: Protecting America's Property Rights Act

119-hr-3206, Protecting America's Property Rights Act, is a 119th Congress bill sponsored by Rep. Garbarino, Andrew R. [R-NY-2] (R-NY); status introduced; PRIA reads it as touching household money (as of 2026-09-21).

- Canonical: https://policyrisk.com/legislation/119-hr-3206
- As of: 2026-09-21
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-3206
- Congress: 119
- Title: Protecting America's Property Rights Act
- Status: introduced
- Introduced: 2025-05-06
- Sponsor: Rep. Garbarino, Andrew R. [R-NY-2] (R-NY)
- Cosponsors: 24
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-09-21

## Summary

**This bill would expand federal oversight of products that cover title and lien risks and set rules for how housing enterprises rely on those products.** It focuses on which third‑party protections count as acceptable coverage and how Enterprises must handle mortgages that lack eligible products. - Enterprises would be authorized to manage risk from liens, encumbrances, or title defects by accepting third‑party products that are regulated by a State insurance authority or a State regulator. That gives supervisors a clear standard for when such products count toward risk management. - Any mortgage that does not meet the bill’s definition of an eligible product would require Enterprises to hold an additional capital buffer equal to 1.0 percent of the unpaid principal balance. That raises the capital charge for loans relying on unregulated title protections. - The Director would be required to issue implementing regulations and guidance within 180 days after enactment to verify a product is properly regulated and to set documentation and compliance rules for Enterprises.

## Cosponsors (24)

- Rep. Gonzalez, Vicente [D-TX-34] (D-TX), 2025-05-06T00:00:00.000Z
- Rep. Moskowitz, Jared [D-FL-23] (D-FL), 2025-05-21T00:00:00.000Z
- Rep. McBride, Sarah [D-DE-At Large] (D-DE), 2025-06-20T00:00:00.000Z
- Rep. Davidson, Warren [R-OH-8] (R-OH), 2025-06-26T00:00:00.000Z
- Rep. Johnson, Julie [D-TX-32] (D-TX), 2025-07-16T00:00:00.000Z
- Rep. Alford, Mark [R-MO-4] (R-MO), 2025-07-16T00:00:00.000Z
- Rep. Barr, Andy [R-KY-6] (R-KY), 2025-07-17T00:00:00.000Z
- Rep. Mann, Tracey [R-KS-1] (R-KS), 2025-07-25T00:00:00.000Z
- Rep. Sherman, Brad [D-CA-32] (D-CA), 2025-08-26T00:00:00.000Z
- Rep. Morelle, Joseph D. [D-NY-25] (D-NY), 2025-10-03T00:00:00.000Z
- Rep. Kim, Young [R-CA-40] (R-CA), 2025-12-02T00:00:00.000Z
- Rep. Costa, Jim [D-CA-21] (D-CA), 2025-12-04T00:00:00.000Z
- Rep. Reschenthaler, Guy [R-PA-14] (R-PA), 2025-12-16T00:00:00.000Z
- Rep. Min, Dave [D-CA-47] (D-CA), 2025-12-18T00:00:00.000Z
- Rep. Steube, W. Gregory [R-FL-17] (R-FL), 2026-01-15T00:00:00.000Z
- Rep. Suozzi, Thomas R. [D-NY-3] (D-NY), 2026-02-02T00:00:00.000Z
- Rep. Meuser, Daniel [R-PA-9] (R-PA), 2026-02-20T00:00:00.000Z
- Rep. Johnson, Dusty [R-SD-At Large] (R-SD), 2026-03-18T00:00:00.000Z
- Rep. Lawler, Michael [R-NY-17] (R-NY), 2026-03-18T00:00:00.000Z
- Rep. De La Cruz, Monica [R-TX-15] (R-TX), 2026-05-19T00:00:00.000Z
- Rep. Stutzman, Marlin A. [R-IN-3] (R-IN), 2026-06-04T00:00:00.000Z
- Rep. Cuellar, Henry [D-TX-28] (D-TX), 2026-07-09T00:00:00.000Z
- Rep. Moran, Nathaniel [R-TX-1] (R-TX), 2026-07-13T00:00:00.000Z
- Rep. Gottheimer, Josh [D-NJ-5] (D-NJ), 2026-08-20T00:00:00.000Z

## Provisions PRIA read

- New title-risk options, extra capital on some loans: mixed, medium. If enacted, the housing Enterprises would be allowed to manage lien and title risks using third‑party products regulated by a state insurance authority or a state regulator. The FHFA Director would have 180 days to issue rules and guidance, including checks that these products are properly regulate…

## Related bills

- 119-hr-1422: Enhanced Iran Sanctions Act of 2025
- 119-hr-2102: Major Richard Star Act
- 119-hr-1262: Mikaela Naylon Give Kids a Chance Act
- 119-hr-909: Crime Victims Fund Stabilization Act of 2025
- 119-hr-4382: America’s Olympic and Paralympic Games Commemorative Coins Act
- 119-hconres-12: Supporting the Local Radio Freedom Act.

## Sources
- [119-hr-3206 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/3206)

## Related
- [119-hr-1422: Enhanced Iran Sanctions Act of 2025](https://policyrisk.com/legislation/119-hr-1422)
- [119-hr-2102: Major Richard Star Act](https://policyrisk.com/legislation/119-hr-2102)
- [119-hr-1262: Mikaela Naylon Give Kids a Chance Act](https://policyrisk.com/legislation/119-hr-1262)
- [119-hr-909: Crime Victims Fund Stabilization Act of 2025](https://policyrisk.com/legislation/119-hr-909)
- [119-hr-4382: America’s Olympic and Paralympic Games Commemorative Coins Act](https://policyrisk.com/legislation/119-hr-4382)
- [119-hconres-12: Supporting the Local Radio Freedom Act.](https://policyrisk.com/legislation/119-hconres-12)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-3206 (as of 2026-09-21).