# 119-hr-7647: MORE Opportunities for Homeownership Act

119-hr-7647, MORE Opportunities for Homeownership Act, is a 119th Congress bill sponsored by Rep. Gonzalez, Vicente [D-TX-34] (D-TX); status introduced; PRIA reads it as touching household money (as of 2026-06-25).

- Canonical: https://policyrisk.com/legislation/119-hr-7647
- As of: 2026-06-25
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-7647
- Congress: 119
- Title: MORE Opportunities for Homeownership Act
- Status: introduced
- Introduced: 2026-02-23
- Sponsor: Rep. Gonzalez, Vicente [D-TX-34] (D-TX)
- Cosponsors: 3
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-06-25

## 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.

## Cosponsors (3)

- Rep. Fitzpatrick, Brian K. [R-PA-1] (R-PA), 2026-02-23T00:00:00.000Z
- Rep. Vindman, Eugene Simon [D-VA-7] (D-VA), 2026-03-04T00:00:00.000Z
- Rep. Bynum, Janelle S. [D-OR-5] (D-OR), 2026-06-23T00:00:00.000Z

## Provisions PRIA read

- Credit Unions Get More Home Loan Access: benefit, medium. 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…

## Related bills

- 119-hr-3151: SHIPS for America Act of 2025
- 119-hr-1229: United States-Israel Defense Partnership Act of 2025
- 119-hr-7973: Momnibus Act
- 119-hr-4669: FEMA Act of 2025
- 119-hr-4206: CONNECT for Health Act of 2025
- 119-hr-1589: American Dream and Promise Act of 2025

## Sources
- [119-hr-7647 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/7647)

## Related
- [119-hr-3151: SHIPS for America Act of 2025](https://policyrisk.com/legislation/119-hr-3151)
- [119-hr-1229: United States-Israel Defense Partnership Act of 2025](https://policyrisk.com/legislation/119-hr-1229)
- [119-hr-7973: Momnibus Act](https://policyrisk.com/legislation/119-hr-7973)
- [119-hr-4669: FEMA Act of 2025](https://policyrisk.com/legislation/119-hr-4669)
- [119-hr-4206: CONNECT for Health Act of 2025](https://policyrisk.com/legislation/119-hr-4206)
- [119-hr-1589: American Dream and Promise Act of 2025](https://policyrisk.com/legislation/119-hr-1589)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-7647 (as of 2026-06-25).