# 119-hr-6169: Fair Credit for Farmers Act

119-hr-6169, Fair Credit for Farmers Act, is a 119th Congress bill sponsored by Rep. Adams, Alma S. [D-NC-12] (D-NC); status in_committee; PRIA reads it as touching household money (as of 2026-09-21).

- Canonical: https://policyrisk.com/legislation/119-hr-6169
- 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-6169
- Congress: 119
- Title: Fair Credit for Farmers Act
- Status: in_committee
- Introduced: 2025-11-20
- Sponsor: Rep. Adams, Alma S. [D-NC-12] (D-NC)
- Cosponsors: 2
- Policy area: Agriculture and Food
- Touches household money: yes
- Last recorded action: 2026-09-21

## Summary

**Farm loan relief and borrower protections** are the core focus. The bill would pause payments for eligible farm loans for a two-year window and remake loan rules to widen eligibility, limit using a primary residence as collateral, and strengthen appeals and equitable relief. - Covered producers would get a two-year deferral of principal and interest on direct farm loans and a fixed interest rate of 0.125 percent during that window. Loan maturity and repayment schedules would extend by two years. - Farmers and ranchers more broadly would face expanded eligibility for ownership and operating loans, new refinancing options for non-USDA debt, and protections that bar denying eligibility because of prior debt write-downs or losses. - Lenders and the appeals process would change: guaranteed loan lenders must waive guarantee fees for covered producers during the two-year window with up to a 180-day extension, and the National Appeals Division would gain stronger equitable relief powers and a shifted burden of proof for appellants with adjusted gross income at or below $300,000.

## Cosponsors (2)

- Rep. McClellan, Jennifer L. [D-VA-4] (D-VA), 2025-11-20T00:00:00.000Z
- Rep. McGovern, James P. [D-MA-2] (D-MA), 2026-01-07T00:00:00.000Z

## Provisions PRIA read

- Stronger appeals and relief for farmers: benefit, medium. If enacted, National Appeals Division hearing officers could award equitable relief in cases where FSA wrongly denied feasibility or where FSA officially promised and then reversed a loan or benefit. Relief for feasibility cases would equal projected income minus projected expenses from the applica…
- Two-year loan pause and fee waivers: benefit, medium. If enacted, eligible borrowers would get a 2-year pause on principal and interest for direct farm ownership, operating, and emergency loans. Interest during the pause would be fixed at 0.125% on remaining principal. Lenders of guaranteed loans to covered producers would have to waive guarantee fees…
- Easier refinancing and loan access: mixed, medium. If enacted, direct operating loans could be used more broadly to refinance a borrower's debt. Direct farm ownership loans could refinance non‑USDA debt if the borrower used direct refinancing no more than four times before and the debt was owed to a non-Secretary creditor. The Secretary could requi…
- Limits on using homes as collateral: mixed, medium. If enacted, the Secretary could use a borrower's principal residence to secure a direct farmer program loan only after other assets are shown inadequate. The bill would define principal residence to include the home and up to 10 adjoining acres. When other assets equal 100% of the remaining loan, t…

## Related bills

- 119-hr-6900: American Affordability Act of 2025
- 119-hr-7973: Momnibus Act
- 119-hr-3971: Domestic Workers Bill of Rights Act
- 119-hr-5356: National Infrastructure Bank Act of 2025
- 119-hr-7853: PrEP Access and Coverage Act of 2026
- 119-hr-5361: George Floyd Justice in Policing Act of 2025

## Sources
- [119-hr-6169 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/6169)

## Related
- [119-hr-6900: American Affordability Act of 2025](https://policyrisk.com/legislation/119-hr-6900)
- [119-hr-7973: Momnibus Act](https://policyrisk.com/legislation/119-hr-7973)
- [119-hr-3971: Domestic Workers Bill of Rights Act](https://policyrisk.com/legislation/119-hr-3971)
- [119-hr-5356: National Infrastructure Bank Act of 2025](https://policyrisk.com/legislation/119-hr-5356)
- [119-hr-7853: PrEP Access and Coverage Act of 2026](https://policyrisk.com/legislation/119-hr-7853)
- [119-hr-5361: George Floyd Justice in Policing Act of 2025](https://policyrisk.com/legislation/119-hr-5361)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-6169 (as of 2026-09-21).