# 119-hr-4680: Access to Homeownership Act

119-hr-4680, Access to Homeownership Act, is a 119th Congress bill sponsored by Rep. Johnson, Julie [D-TX-32] (D-TX); status introduced; PRIA reads it as touching household money (as of 2026-07-19).

- Canonical: https://policyrisk.com/legislation/119-hr-4680
- As of: 2026-07-19
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-4680
- Congress: 119
- Title: Access to Homeownership Act
- Status: introduced
- Introduced: 2025-07-23
- Sponsor: Rep. Johnson, Julie [D-TX-32] (D-TX)
- Cosponsors: 6
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-07-19

## Summary

**Requires federally backed multifamily landlords to request tenant consent and report up to 24 months of on-time rent payments to consumer credit bureaus so those payments can be used in mortgage insurance applications.** - Renters: If they agree, positive rent payments can appear on their credit reports and be considered when applying for mortgage insurance under section 203 of the National Housing Act. - Multifamily borrowers (property owners): Would have to request resident consent and report payments when consent is given. Enterprises would cover the administrative costs of reporting. - Mortgage applicants: Lenders and insurers could count documented rent payment history when evaluating applications for FHA-insured mortgages. - Federal oversight and scope: The Federal Housing Finance Agency would order enterprises like Fannie Mae and Freddie Mac to run the program, apply it to federally backed multifamily loans (properties of 5+ units), and file a report to Congress every 5 years. Authorization of appropriations is included to carry out the program.

## Cosponsors (6)

- Rep. Tlaib, Rashida [D-MI-12] (D-MI), 2025-09-15T00:00:00.000Z
- Rep. Sorensen, Eric [D-IL-17] (D-IL), 2025-09-15T00:00:00.000Z
- Rep. Elfreth, Sarah [D-MD-3] (D-MD), 2025-10-10T00:00:00.000Z
- Rep. Sykes, Emilia Strong [D-OH-13] (D-OH), 2025-11-19T00:00:00.000Z
- Rep. McBride, Sarah [D-DE-At Large] (D-DE), 2025-11-19T00:00:00.000Z
- Rep. Latimer, George [D-NY-16] (D-NY), 2026-03-26T00:00:00.000Z

## Provisions PRIA read

- FHA would count your rent history: benefit, medium. Positive rent payments reported under this program would be counted when you apply for an FHA‑insured mortgage. Lenders and FHA would have to consider this rent history in your application. Only rent reported through the program would count.
- Renters in federally backed buildings can build credit: benefit, medium. The FHFA Director would require Fannie Mae and Freddie Mac to run a rent‑reporting program. Owners with covered multifamily loans would have to ask residents to consent and, if they agree, report on‑time rent to credit bureaus. Reports would include up to 24 months of prior positive rent, if availa…

## Related bills

- 119-hr-7973: Momnibus Act
- 119-hr-7853: PrEP Access and Coverage Act of 2026
- 119-hr-51: Washington, D.C. Admission Act
- 119-hr-20: Richard L. Trumka Protecting the Right to Organize Act of 2025
- 119-hr-2086: Rights for the TSA Workforce Act
- 119-hr-5390: FAMILY Act

## Sources
- [119-hr-4680 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/4680)

## Related
- [119-hr-7973: Momnibus Act](https://policyrisk.com/legislation/119-hr-7973)
- [119-hr-7853: PrEP Access and Coverage Act of 2026](https://policyrisk.com/legislation/119-hr-7853)
- [119-hr-51: Washington, D.C. Admission Act](https://policyrisk.com/legislation/119-hr-51)
- [119-hr-20: Richard L. Trumka Protecting the Right to Organize Act of 2025](https://policyrisk.com/legislation/119-hr-20)
- [119-hr-2086: Rights for the TSA Workforce Act](https://policyrisk.com/legislation/119-hr-2086)
- [119-hr-5390: FAMILY Act](https://policyrisk.com/legislation/119-hr-5390)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-4680 (as of 2026-07-19).