# 119-hr-6726: To amend the Housing and Urban Development Act of 1968 to provide reforms to housing counseling and financial literacy programs.

119-hr-6726, To amend the Housing and Urban Development Act of 1968 to provide reforms to housing counseling and financial literacy programs., is a 119th Congress bill sponsored by Rep. Scott, David [D-GA-13] (D-GA); status introduced; PRIA reads it as touching household money (as of 2026-09-11).

- Canonical: https://policyrisk.com/legislation/119-hr-6726
- As of: 2026-09-11
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-6726
- Congress: 119
- Title: To amend the Housing and Urban Development Act of 1968 to provide reforms to housing counseling and financial literacy programs.
- Status: introduced
- Introduced: 2025-12-15
- Sponsor: Rep. Scott, David [D-GA-13] (D-GA)
- Cosponsors: 2
- Policy area: Housing and Community Development
- Touches household money: yes
- Last recorded action: 2026-09-11

## Summary

**Would strengthen oversight and raise competency standards for HUD housing counselors.** It would also expand which mortgage loans trigger counseling offers and set payment rules to support foreclosure-mitigation counseling for delinquent borrowers. - Families and delinquent borrowers: Borrowers who are 30 days or more delinquent on covered mortgage loans would be offered housing counseling. For certain FHA-insured loans the fair market cost of counseling could be paid by the Mutual Mortgage Insurance Fund. - Counselors and counseling organizations: The bill would require periodic on-site and performance reviews of all participating agencies. It would let the Secretary compare counselor outcomes, require continuing education, order retesting, place counselors on probation, or permanently suspend certification after repeated failures, and deny renewal of assistance with a minimum 60-day notice plus a chance for an informal conference. - Program scope and eligible loans: It defines a “covered mortgage loan” for the counseling program as a loan on 1–4 family property that is FHA-insured or guaranteed under sections 184 or 184A. It also extends foreclosure mitigation counseling offers to loans made, guaranteed, or insured by the Federal Housing Administration, the Department of Veterans Affairs, the Department of Agriculture, or under sections 184/184A.

## Cosponsors (2)

- Rep. Beatty, Joyce [D-OH-3] (D-OH), 2025-12-15T00:00:00.000Z
- Rep. Fields, Cleo [D-LA-6] (D-LA), 2025-12-15T00:00:00.000Z

## Provisions PRIA read

- More foreclosure counseling for borrowers: benefit, low. This bill would require that borrowers who are 30 days or more behind on a covered mortgage loan be offered available housing counseling. Covered loans would include 1–4 family homes, individual condos and co-ops, and loans insured or guaranteed by FHA (title II), VA, USDA, or section 184 or 184A.…
- More geographic diversity for grantees: benefit, low. This bill would change HUD's grantee selection language to require recipients be geographically diverse and include organizations that serve urban or rural areas. The change would replace earlier vague language about an "adequate distribution" and could shift how HUD awards counseling assistance ac…
- New counselor performance and discipline rules: mixed, low. This bill would create periodic on-site and program performance reviews of all HUD housing counseling agencies. It would let the Secretary measure counselor performance using aggregate default rates for counseled borrowers in comparable markets for covered pre-purchase loans (FHA title II or sectio…

## Related bills

- 119-hr-6644: 21st Century ROAD to Housing Act
- 119-hr-4669: FEMA Act of 2025
- 119-hr-7973: Momnibus Act
- 119-hr-7977: Energy Bills Relief Act
- 119-hr-3971: Domestic Workers Bill of Rights Act
- 119-hr-2045: Medicare Dental, Vision, and Hearing Benefit Act of 2025

## Sources
- [119-hr-6726 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/6726)

## Related
- [119-hr-6644: 21st Century ROAD to Housing Act](https://policyrisk.com/legislation/119-hr-6644)
- [119-hr-4669: FEMA Act of 2025](https://policyrisk.com/legislation/119-hr-4669)
- [119-hr-7973: Momnibus Act](https://policyrisk.com/legislation/119-hr-7973)
- [119-hr-7977: Energy Bills Relief Act](https://policyrisk.com/legislation/119-hr-7977)
- [119-hr-3971: Domestic Workers Bill of Rights Act](https://policyrisk.com/legislation/119-hr-3971)
- [119-hr-2045: Medicare Dental, Vision, and Hearing Benefit Act of 2025](https://policyrisk.com/legislation/119-hr-2045)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-6726 (as of 2026-09-11).