# 119-hr-8292: Original Alternative Data for Additional Credit FHA Pilot Program Reauthorization Act

119-hr-8292, Original Alternative Data for Additional Credit FHA Pilot Program Reauthorization Act, is a 119th Congress bill sponsored by Rep. Green, Al [D-TX-9] (D-TX); status introduced; PRIA reads it as touching household money (as of 2026-09-21).

- Canonical: https://policyrisk.com/legislation/119-hr-8292
- 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-8292
- Congress: 119
- Title: Original Alternative Data for Additional Credit FHA Pilot Program Reauthorization Act
- Status: introduced
- Introduced: 2026-04-15
- Sponsor: Rep. Green, Al [D-TX-9] (D-TX)
- Cosponsors: 0
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-09-21

## Summary

**A pilot to test using additional credit data in FHA underwriting** would let selected borrowers opt into credit scoring models that include extra financial and nontraditional information. The bill sets opt-in rules, privacy limits, lender disclosure requirements, and a public reporting schedule to evaluate whether additional data improves access and predicts mortgage risk. - Households and prospective homebuyers: Eligible mortgagors could choose a credit score that uses additional data. HUD must give clear notices about how the pilot model differs and list approved housing counseling agencies. - Mortgage lenders and loan servicers: Mortgagees in the pilot must provide prospective borrowers with side-by-side comparisons of underwriting outcomes and HUD will publish which lenders participate and their participation rates. - HUD, FHA, and oversight: The Secretary must select one or more commercially available models after one year in consultation with the Government National Mortgage Association and report to Congress on opt-ins, approvals, demographics, default prediction effectiveness, and any impact on the Mutual Mortgage Insurance Fund and its net worth ratio. Reports are required after a 2-year data period and again after 5 years. *Would authorize $3.0 million for FY2023 and $1.5 million annually for FY2024 through FY2027 to carry out the pilot, increasing federal outlays by those amounts.*

## Provisions PRIA read

- Pilot reporting and funding for HUD: benefit, low. If enacted, HUD would report detailed pilot results to Congress and post the reports publicly. Required items include counts of who was offered and who opted in, opt-in approval rates, demographic comparisons, whether thin- or no‑file borrowers benefited, how well additional data predicted defaults…
- Optional FHA pilot using extra data: mixed, low. If enacted, HUD would run a pilot to test credit scoring models that use additional data. The pilot would apply only to mortgagors and prospective mortgagors who elect to opt in. The Secretary could limit how many people join and could not use the pilot for mortgages whose proceeds repay an existin…

## Related bills

- 119-hr-6644: 21st Century ROAD to Housing Act
- 119-hr-6771: Housing Crisis Response Act of 2025
- 119-hr-7977: Energy Bills Relief Act
- 119-hr-7481: Department of Homeland Security Appropriations Act, 2026
- 119-hr-7973: Momnibus Act
- 119-hr-2038: American Housing and Economic Mobility Act of 2025

## Sources
- [119-hr-8292 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/8292)

## Related
- [119-hr-6644: 21st Century ROAD to Housing Act](https://policyrisk.com/legislation/119-hr-6644)
- [119-hr-6771: Housing Crisis Response Act of 2025](https://policyrisk.com/legislation/119-hr-6771)
- [119-hr-7977: Energy Bills Relief Act](https://policyrisk.com/legislation/119-hr-7977)
- [119-hr-7481: Department of Homeland Security Appropriations Act, 2026](https://policyrisk.com/legislation/119-hr-7481)
- [119-hr-7973: Momnibus Act](https://policyrisk.com/legislation/119-hr-7973)
- [119-hr-2038: American Housing and Economic Mobility Act of 2025](https://policyrisk.com/legislation/119-hr-2038)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-8292 (as of 2026-09-21).