# 119-s-4636: Homeowners’ Escrow Savings Act

119-s-4636, Homeowners’ Escrow Savings Act, is a 119th Congress bill sponsored by Sen. Blumenthal, Richard [D-CT] (D-CT); status introduced; PRIA reads it as touching household money (as of 2026-07-25).

- Canonical: https://policyrisk.com/legislation/119-s-4636
- As of: 2026-07-25
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-s-4636
- Congress: 119
- Title: Homeowners’ Escrow Savings Act
- Status: introduced
- Introduced: 2026-05-21
- Sponsor: Sen. Blumenthal, Richard [D-CT] (D-CT)
- Cosponsors: 1
- Policy area: Housing and Community Development
- Touches household money: yes
- Last recorded action: 2026-07-25

## Summary

**Would require mortgage servicers to pay interest on escrow account balances and set a clear, Treasury-linked formula for that interest.** The bill would also define how servicers estimate taxes for escrow accounts and require accurate escrow statements.

## Cosponsors (1)

- Sen. Warren, Elizabeth [D-MA] (D-MA), 2026-05-21T00:00:00.000Z

## Provisions PRIA read

- Homeowners get interest on escrow: benefit, low. If enacted, this bill would require mortgage servicers to pay interest to borrowers on funds held in escrow accounts for federally related mortgage loans. Each month, interest would equal the account's actual average daily balance multiplied by (annual rate ÷ 12). The annual rate would not be less…

## Related bills

- 119-s-5071: Children's Safe Welcome Act of 2026
- 119-s-2819: Head Start for America's Children Act
- 119-s-1541: SHIPS for America Act of 2025
- 119-s-5238: For Our Republic Act
- 119-s-3990: PrEP Access and Coverage Act of 2026
- 119-s-2823: FAMILY Act

## Sources
- [119-s-4636 on Congress.gov](https://www.congress.gov/bill/119th-congress/senate-bill/4636)

## Related
- [119-s-5071: Children's Safe Welcome Act of 2026](https://policyrisk.com/legislation/119-s-5071)
- [119-s-2819: Head Start for America's Children Act](https://policyrisk.com/legislation/119-s-2819)
- [119-s-1541: SHIPS for America Act of 2025](https://policyrisk.com/legislation/119-s-1541)
- [119-s-5238: For Our Republic Act](https://policyrisk.com/legislation/119-s-5238)
- [119-s-3990: PrEP Access and Coverage Act of 2026](https://policyrisk.com/legislation/119-s-3990)
- [119-s-2823: FAMILY Act](https://policyrisk.com/legislation/119-s-2823)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-s-4636 (as of 2026-07-25).