# 119-hr-4568: Supporting Upgraded Property Projects and Lending for Yards (SUPPLY) Act

119-hr-4568, Supporting Upgraded Property Projects and Lending for Yards (SUPPLY) Act, is a 119th Congress bill sponsored by Rep. Liccardo, Sam T. [D-CA-16] (D-CA); status introduced; PRIA reads it as touching household money (as of 2026-10-03).

- Canonical: https://policyrisk.com/legislation/119-hr-4568
- As of: 2026-10-03
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-4568
- Congress: 119
- Title: Supporting Upgraded Property Projects and Lending for Yards (SUPPLY) Act
- Status: introduced
- Introduced: 2025-07-21
- Sponsor: Rep. Liccardo, Sam T. [D-CA-16] (D-CA)
- Cosponsors: 47
- Policy area: Housing and Community Development
- Touches household money: yes
- Last recorded action: 2026-10-03

## Summary

**Creates an insurance program for second liens to finance accessory dwelling units (ADUs).** This bill would require the Secretary to set up HUD Title II insurance for certain second mortgages that pay for building or converting ADUs, with rules on loan size, premiums, and eligibility set by the Secretary. - Homeowners: Owners could use an insured second lien to build an ADU. The insured amount is capped in statute at about 30% of a reference one‑unit amount, and the Secretary may increase that cap based on up to 50% of projected annual ADU rental income. - Borrowers and lenders: Borrowers must certify property ownership and pay an annual premium fixed by the Secretary not to exceed 1% of the insured principal. Insurance is meant to lower lender risk for these second liens. - Secondary market and housing supply: The Federal Housing Finance Agency Director would allow Fannie Mae and Freddie Mac to buy and securitize these loans, but may block purchases if market risks are excessive; the Director and the Secretary must report annually on program activities.

## Cosponsors (47)

- Rep. Sykes, Emilia Strong [D-OH-13] (D-OH), 2026-10-01T00:00:00.000Z
- Rep. Garbarino, Andrew R. [R-NY-2] (R-NY), 2025-07-21T00:00:00.000Z
- Rep. Cleaver, Emanuel [D-MO-5] (D-MO), 2025-07-21T00:00:00.000Z
- Rep. Sherman, Brad [D-CA-32] (D-CA), 2025-07-21T00:00:00.000Z
- Rep. Thompson, Mike [D-CA-4] (D-CA), 2025-07-21T00:00:00.000Z
- Rep. Ruiz, Raul [D-CA-25] (D-CA), 2025-07-21T00:00:00.000Z
- Rep. Soto, Darren [D-FL-9] (D-FL), 2025-07-21T00:00:00.000Z
- Rep. Peters, Scott H. [D-CA-50] (D-CA), 2025-07-21T00:00:00.000Z
- Rep. Garamendi, John [D-CA-8] (D-CA), 2025-07-21T00:00:00.000Z
- Rep. Swalwell, Eric [D-CA-14] (D-CA), 2025-07-21T00:00:00.000Z
- Rep. McBride, Sarah [D-DE-At Large] (D-DE), 2025-07-21T00:00:00.000Z
- Rep. Goodlander, Maggie [D-NH-2] (D-NH), 2025-07-21T00:00:00.000Z
- Rep. Fields, Cleo [D-LA-6] (D-LA), 2025-07-21T00:00:00.000Z
- Rep. Elfreth, Sarah [D-MD-3] (D-MD), 2025-07-21T00:00:00.000Z
- Rep. Gray, Adam [D-CA-13] (D-CA), 2025-07-21T00:00:00.000Z
- Rep. Cisneros, Gilbert Ray [D-CA-31] (D-CA), 2025-07-21T00:00:00.000Z
- Rep. Stanton, Greg [D-AZ-4] (D-AZ), 2025-07-21T00:00:00.000Z
- Rep. Harder, Josh [D-CA-9] (D-CA), 2025-07-21T00:00:00.000Z
- Rep. Meeks, Gregory W. [D-NY-5] (D-NY), 2025-07-21T00:00:00.000Z
- Rep. Ansari, Yassamin [D-AZ-3] (D-AZ), 2025-07-21T00:00:00.000Z
- Rep. Foster, Bill [D-IL-11] (D-IL), 2025-07-21T00:00:00.000Z
- Rep. Costa, Jim [D-CA-21] (D-CA), 2025-07-21T00:00:00.000Z
- Rep. Garcia, Robert [D-CA-42] (D-CA), 2025-07-22T00:00:00.000Z
- Rep. Lucas, Frank D. [R-OK-3] (R-OK), 2025-07-22T00:00:00.000Z
- Rep. Salinas, Andrea [D-OR-6] (D-OR), 2025-07-29T00:00:00.000Z
- Rep. Lawler, Michael [R-NY-17] (R-NY), 2025-07-29T00:00:00.000Z
- Rep. Panetta, Jimmy [D-CA-19] (D-CA), 2025-07-29T00:00:00.000Z
- Rep. Fitzpatrick, Brian K. [R-PA-1] (R-PA), 2025-08-08T00:00:00.000Z
- Rep. Schneider, Bradley Scott [D-IL-10] (D-IL), 2025-08-15T00:00:00.000Z
- Rep. Nunn, Zachary [R-IA-3] (R-IA), 2025-08-15T00:00:00.000Z
- Rep. Salazar, Maria Elvira [R-FL-27] (R-FL), 2025-08-15T00:00:00.000Z
- Rep. Beyer, Donald S. [D-VA-8] (D-VA), 2025-08-26T00:00:00.000Z
- Rep. Beatty, Joyce [D-OH-3] (D-OH), 2025-09-10T00:00:00.000Z
- Rep. Latimer, George [D-NY-16] (D-NY), 2025-10-03T00:00:00.000Z
- Rep. Vindman, Eugene Simon [D-VA-7] (D-VA), 2025-11-18T00:00:00.000Z
- Rep. Whitesides, George [D-CA-27] (D-CA), 2025-11-25T00:00:00.000Z
- Rep. McDonald Rivet, Kristen [D-MI-8] (D-MI), 2025-12-10T00:00:00.000Z
- Rep. Vasquez, Gabe [D-NM-2] (D-NM), 2026-01-16T00:00:00.000Z
- Rep. Suozzi, Thomas R. [D-NY-3] (D-NY), 2026-01-22T00:00:00.000Z
- Rep. Gillen, Laura [D-NY-4] (D-NY), 2026-01-22T00:00:00.000Z
- Rep. Riley, Josh [D-NY-19] (D-NY), 2026-03-04T00:00:00.000Z
- Rep. Kim, Young [R-CA-40] (R-CA), 2026-03-04T00:00:00.000Z
- Rep. Kiley, Kevin [I-CA-3] (I-CA), 2026-03-18T00:00:00.000Z
- Rep. Min, Dave [D-CA-47] (D-CA), 2026-03-26T00:00:00.000Z
- Rep. Barragán, Nanette Diaz [D-CA-44] (D-CA), 2026-04-06T00:00:00.000Z
- Rep. Carbajal, Salud O. [D-CA-24] (D-CA), 2026-04-16T00:00:00.000Z
- Rep. Lee, Susie [D-NV-3] (D-NV), 2026-04-14T00:00:00.000Z

## Provisions PRIA read

- Insured second loans for homeowner ADUs: benefit, medium. If enacted, homeowners could use a HUD-insured second loan to build an accessory dwelling unit (ADU). The insured amount would be the lesser of 30% of a federal one-unit loan limit or, with other loans, up to 100% of the home’s projected value after the ADU. HUD could raise that cap using up to 50%…
- Fannie and Freddie could buy ADU loans: benefit, medium. If enacted, the housing regulator would let Fannie Mae and Freddie Mac buy and bundle the insured ADU second-lien loans. The Director could halt purchases if market pressures create excessive, unfixable risk, starting when Congress is notified. FHFA would include these purchases in its yearly repor…

## Related bills

- 119-hr-2102: Major Richard Star Act
- 119-hr-842: Nancy Gardner Sewell Medicare Multi-Cancer Early Detection Screening Coverage Act
- 119-hr-1065: Protect Our Letter Carriers Act of 2025
- 119-hr-2253: Puppy Protection Act of 2025
- 119-hres-70: Expressing the sense of the House of Representatives that Congress should take all appropriate measures to ensure that the United States Postal Service remains…
- 119-hr-4206: CONNECT for Health Act of 2025

## Sources
- [119-hr-4568 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/4568)

## Related
- [119-hr-2102: Major Richard Star Act](https://policyrisk.com/legislation/119-hr-2102)
- [119-hr-842: Nancy Gardner Sewell Medicare Multi-Cancer Early Detection Screening Coverage A…](https://policyrisk.com/legislation/119-hr-842)
- [119-hr-1065: Protect Our Letter Carriers Act of 2025](https://policyrisk.com/legislation/119-hr-1065)
- [119-hr-2253: Puppy Protection Act of 2025](https://policyrisk.com/legislation/119-hr-2253)
- [119-hres-70: Expressing the sense of the House of Representatives that Congress should take…](https://policyrisk.com/legislation/119-hres-70)
- [119-hr-4206: CONNECT for Health Act of 2025](https://policyrisk.com/legislation/119-hr-4206)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-4568 (as of 2026-10-03).