# 119-s-4803: Home Equity Lending Integrity Act

119-s-4803, Home Equity Lending Integrity Act, is a 119th Congress bill sponsored by Sen. Merkley, Jeff [D-OR] (D-OR); status introduced; PRIA reads it as touching household money (as of 2026-07-10).

- Canonical: https://policyrisk.com/legislation/119-s-4803
- As of: 2026-07-10
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-s-4803
- Congress: 119
- Title: Home Equity Lending Integrity Act
- Status: introduced
- Introduced: 2026-06-17
- Sponsor: Sen. Merkley, Jeff [D-OR] (D-OR)
- Cosponsors: 0
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-07-10

## Summary

**This bill would bring "home equity investment loans" under the Truth in Lending Act by adding them to the law's definition of a residential mortgage loan.** It also defines those loans as transactions where a consumer gets money or value in exchange for an interest in a home and a contingent or certain payment tied to the home's value, and it directs the Consumer Financial Protection Bureau to write rules applying section 130 to violations involving these loans. - Consumers: Homeowners who exchange an interest in their dwelling for cash or value would be covered by the Truth in Lending Act as if they took a residential mortgage loan. This means those arrangements fall within the Act's rules. - Lenders and investors: Firms offering these products would be subject to the Act and could face enforcement under section 130 once the Bureau issues implementing regulations. - Regulators: The Consumer Financial Protection Bureau is required to prescribe regulations that apply section 130 to the defined home equity investment loans. - Congressional intent: The bill includes a statement that the change is meant to reflect the law as it stands and not to make substantive changes in administration.

## Provisions PRIA read

- New protections for home equity contracts: benefit, medium. If enacted, the bill would add a new definition of "home equity investment loan" to the Truth in Lending Act. It would make those loans part of the Act's residential mortgage coverage. It would require the Consumer Financial Protection Bureau to write rules making statutory damages and remedies app…

## Related bills

- 119-s-5238: For Our Republic Act
- 119-s-5071: Children's Safe Welcome Act of 2026
- 119-s-5022: Cannabis Administration and Opportunity Act
- 119-s-2838: Protecting Our Democracy Act
- 119-s-2819: Head Start for America's Children Act
- 119-s-5283: Momnibus Act

## Sources
- [119-s-4803 on Congress.gov](https://www.congress.gov/bill/119th-congress/senate-bill/4803)

## Related
- [119-s-5238: For Our Republic Act](https://policyrisk.com/legislation/119-s-5238)
- [119-s-5071: Children's Safe Welcome Act of 2026](https://policyrisk.com/legislation/119-s-5071)
- [119-s-5022: Cannabis Administration and Opportunity Act](https://policyrisk.com/legislation/119-s-5022)
- [119-s-2838: Protecting Our Democracy Act](https://policyrisk.com/legislation/119-s-2838)
- [119-s-2819: Head Start for America's Children Act](https://policyrisk.com/legislation/119-s-2819)
- [119-s-5283: Momnibus Act](https://policyrisk.com/legislation/119-s-5283)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-s-4803 (as of 2026-07-10).