# 119-hr-8318: Original Additional Credit FHA Pilot Program Authorization Act

119-hr-8318, Original Additional Credit FHA Pilot Program Authorization 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-8318
- 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-8318
- Congress: 119
- Title: Original Additional Credit FHA Pilot Program Authorization Act
- Status: introduced
- Introduced: 2026-04-16
- 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

**Additional credit data in FHA underwriting** would be tested through a time-limited, opt-in pilot to see if commercial credit scoring models that use extra data can expand access to FHA-insured mortgages. HUD would pick models, require borrower notices, and collect public results.

## Provisions PRIA read

- HUD must report pilot results: benefit, low. If enacted, HUD would be required to evaluate the pilot and send detailed reports to Congress and post them on HUD's website. Reports would include opt-in counts, approval rates, demographic breakdowns, effects on borrowers with thin or no credit, predictive effectiveness for defaults, mortgagee pa…
- HUD notice for FHA applicants: benefit, low. If enacted, HUD would create a standard notice that lenders must give to prospective FHA mortgagors offered the pilot. The notice would explain the ability to opt into the pilot model, how the pilot model differs from FHA's current model and the types of extra data used, and list HUD-approved housi…
- Optional FHA credit-data pilot: benefit, low. If enacted, the Secretary of Housing and Urban Development would be required to set up an FHA pilot that tests commercial credit-scoring models using additional credit data. Only mortgagors who elect to join and opt into using additional credit information would be included. HUD must pick one or mo…
- Funding for FHA credit pilot: benefit, low. If enacted, the bill would authorize $3,000,000 for fiscal year 2023 to establish and carry out the pilot, and $1,500,000 for each of fiscal years 2024 through 2027 to carry out the pilot. These are authorizations; Congress would still need to appropriate the funds.

## 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-8318 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/8318)

## 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-8318 (as of 2026-09-21).