HRES1007119th Congress

Expressing the sense of the House of Representatives with respect to the use of artificial intelligence in the financial services and housing industries.

Sponsored By: Representative Steil, Bryan [R-WI-1]

In Committee

Summary

AI in financial services and housing is the focus of a resolution that would direct the House Financial Services Committee to lead policy balancing innovation with stronger consumer protections and oversight.

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Consumers and tenants: Urges enforcement of anti-discrimination rules and attention to AI explainability in underwriting, mortgage servicing, and tenant screening.
Community banks and small firms: Directs the Committee to avoid regulatory approaches that disproportionately burden smaller institutions and to support their ability to adopt AI.
Financial firms and markets: Encourages AI use for research, market surveillance, trading, compliance, and fraud detection while asking regulators to assess stability risks like herding behavior.
Regulators and privacy: Calls for assessing regulatory gaps, considering reform of state and financial privacy laws, and strengthening cybersecurity standards for AI systems.
Workforce and taxpayers: Asks the Committee to study AI’s impact on financial-sector jobs and to safeguard taxpayer interests while promoting U.S. leadership in AI development.

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Bill Overview

No Economic Impacts Identified for this Bill

Sponsors & CoSponsors

Sponsor

Steil, Bryan [R-WI-1]

WI • R

Cosponsors

Rep. Lynch, Stephen F. [D-MA-8]
MA • D
Sponsored 1/16/2026
Liccardo
CA • D
Sponsored 1/21/2026
Rep. Downing, Troy [R-MT-2]
MT • R
Sponsored 1/21/2026

Roll Call Votes

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