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119-hr-7647119th CongressWALLET

MORE Opportunities for Homeownership Act

Sponsored By: Representative Gonzalez, Vicente [D-TX-34]

Introduced

Summary

Expands Federal Home Loan Bank eligibility to include institutions governed by the Federal Credit Union Act. The bill would amend the Federal Home Loan Bank Act to add a cross-reference to the Federal Credit Union Act so federal credit unions are treated like FDIC‑insured institutions for eligibility and can participate in the Federal Home Loan Bank system to support homeownership.

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Bill Overview

Analyzed Economic Effects

1 provisions identified: 1 benefits, 0 costs, 0 mixed.

Credit Unions Get More Home Loan Access

This bill would make federal credit unions explicitly comparable to FDIC-insured banks under the Federal Home Loan Bank Act. It would insert "or Federal Credit Union Act" after "Federal Deposit Insurance Act" in the statute. If enacted, federal credit unions would be able to seek access to Federal Home Loan Bank liquidity and programs. That access would support mortgage lending in their communities. The change would take effect upon enactment and includes no new funding, phase-ins, sunsets, or added eligibility rules.

Sponsors & CoSponsors

Sponsor

Gonzalez, Vicente [D-TX-34]

TX • D

Cosponsors

  • Rep. Fitzpatrick, Brian K. [R-PA-1]

    PA • R

    Sponsored 2/23/2026

  • Rep. Vindman, Eugene Simon [D-VA-7]

    VA • D

    Sponsored 3/4/2026

  • Rep. Bynum, Janelle S. [D-OR-5]

    OR • D

    Sponsored 6/23/2026

Roll Call Votes

No roll call votes available for this bill.

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