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To increase the mandatory contribution amount of Federal Home Loan Banks to the Affordable Housing Program, and for other purposes.
Legislative Progress
Introduced
September 8, 2026
Latest Action
September 16, 2026
Primary Sponsor
Maxine WatersDemocratic(CA)
Momentum (last 30 days)
0
score
0 actions · 0 new cosponsors · 0 votes
Speed vs cohort
80pct
8d open
vs 10,940 other HR bills in the 119th — cohort avg 30d
This bill increases the required contributions of Federal Home Loan Banks to the Affordable Housing Program established by each bank. These programs subsidize interest rates for member banks to finance (1) mortgages for low- and moderate-income individuals; and (2) the purchase, construction, or rehabilitation of affordable rental housing. Specifically, the bill increases the percentage of yearly net income that each Federal Home Loan Bank must contribute to these programs from 10% to 15%.
These links require the bill number to appear in the filing's source-reported specific issue text. Client expenses and lobbying-firm income are separate disclosure fields.
Filing registrants (5)
2026 · third_quarter · Housing
Ordered to be Reported Unfavorably (Amended) by the Yeas and Nays: 21 - 28.
Committee Consideration and Mark-up Session Held
Referred to the House Committee on Financial Services.
Introduced in House
Congress.gov source codes: 1000, Intro-H
Bills with similar content found using semantic analysis.
Sources: Congress.gov
"H.R. 8116, the Shared Home Appreciation for Residential Equity (SHARE) Act" H.R.2038 - American Housing and Economic Mobility Act of 2025 H.R.4872 Ending Homelessness Act of 2025 Fair Manufactured Housing Lending Act Private equity in housing Tenant protections Housing junk fees Homeowner protections appraisal bias H.R. 410 End Junk Fees for Renters Act. H.R.10325 - To increase the mandatory contribution amount of Federal Home Loan Banks to the Affordable Housing Program, and for other purposes. S.788 - HOPE (Humans over Private Equity) for Homeownership Act H.R. 9657 Protecting American Homes from Hedge Funds Act "H.R. 5889Eviction Helpline Act" Insurance crisis consumer protections, supervision, and bailout policy Potential legislation to ban credit score usage in property insurance pricing Potential public reinsurance legislation (housing/climate) National Flood Insurance Program (NFIP) policy reform Potential public reinsurance legislation (housing/climate) H.R.426 - Housing Survivors of Major Disasters Act H.R.9511 - NFIP Premium Transparency Act Credit scores in property insurance underwriting and pricing H.R.8439 - Commission on Natural Disaster Risk Management and Insurance Act "H.R.10595 Stop Wall Street Looting Act" "S.5512Stop Wall Street Looting Act" private equity regulation private equity in child care Community Reinvestment Act implementation "H.R.7866 American Lending Fairness Act of 2026"
Client expense: $50,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2026 · third_quarter · Housing
Draft legislation concerning discharge of FHA partial claims after non-judicial foreclosure sales and a related GAO study of barriers facing FHA-financed homebuyers. Federal Home Loan Bank System reform and oversight, including H.R. 10325 and contributions to the Affordable Housing Program. H.R. 6644 / S. 7 - 21st Century ROAD to Housing Act, final passage, enactment, and implementation. Real estate listing practices, including undisclosed ('pocket') listings, and their effect on access to housing.
Client expense: $70,000 · Firm income: Not reported
Government targets: Federal Highway Administration (FHA), Federal Housing Finance Agency (FHFA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), SENATE
2026 · third_quarter · Banking
Access to Banking for Cannabis Businesses S. 4942/H.R. 9471 SAFE/SAFER Banking Act Banking Regulations S.1467/H.R.2808 - Homebuyers Privacy Protection Act H.R. 5402/S. 1465 Credit Access and Inclusion Act H.R. 10325 To increase the mandatory contribution amount of Federal Home Loan Banks to the Affordable Housing Program, and for other purposes. Discussions with the House of Representatives and Senate regarding artificial intelligence and data privacy. Communications to the Senate expression support for S. 2651 Renewing Opportunity in the American Dream Act (ROAD to Housing Act). Communications with the Treasury Department regarding Trump Accounts, FINCEN rules/beneficial ownership, institutional investors, the residential real estate rule and anti-money laundering regulations.
Client expense: $27,400,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE, Treasury, Dept of
2026 · third_quarter · Banking
Support on HR 6955 Main Street Capital Access. Discussed opposition of HR 3633 Digital Asset Market CLARITY Act. Support on HR 9331 STOP Payments Fraud Act of 2026. Discussed opposition of HR 10325 Federal Home Loan Bank affordable housing legislation.
Client expense: Not reported · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2026 · third_quarter · Consumer Issues/Safety/Products
Legislation and Regulation - S. 5526 the Agricultural Act of 2026 specifically regarding an amendment offered by Senators Justice and Welch concerning allowing Farm Credit to expand the definition of rural communities in which they can make home loans (Senate) H.R. 6644 and S. 2651 or the ROAD Act which is the 21st Century ROAD to Housing Act including the inclusion of the provisions in H.R. 6644 (Housing for the 21st Century Act (Title VI) and regarding final passage (House and Senate) H.R. 10325 (All Sections) a bill to increase the mandatory contribution Federal Home Loan Banks make to Affordable Housing Programs (AHPs) All Sections (House) Letters - None Action Alerts - Action Alert - Urge Illinois Senators to Protect Community Bank Deposits in the CLARITY Act regarding disintermediation of community bank deposits from stablecoin issuers and exchanges from paying interest or rewards on stablecoin deposits (Senate) Miscellaneous - Check Fraud - Status of the results of the June of 2025 joint regulator Request For Information (RFI) on payments/check fraud (Fed, OCC and FDIC)
Client expense: $70,000 · Firm income: Not reported
Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), SENATE
2026 · third_quarter · Banking
Legislation and Regulation - H.R. 6955 the Main Street Capital Access Act (All Sections) regarding regulatory fairness, transparency and right-sizing; promoting healthy, growing, and competitive banking industry; and improving access to funding and capital for small to mid-sized banks (House) S. 5526 the Agricultural Act of 2026 specifically regarding an amendment offered by Senators Justice and Welch concerning allowing Farm Credit to expand the definition of rural communities in which they can make home loans (Senate) H.R. 10325 (All Sections) a bill to increase the mandatory contribution Federal Home Loan Banks make to Affordable Housing Programs (AHPs) All Sections (House) H.R. 6644 and S. 2651 or the ROAD Act which is the 21st Century ROAD to Housing Act specifically including the inclusion of the provisions in H.R. 6644 (Housing for the 21st Century Act (Title VI) and regarding final passage (House and Senate) H.R. 3633 the CLARITY Act (Section 404) specifically regarding stablecoin yield or rewards or incentives and the potential to disintermediate community bank deposits (Senate) Letters - Letter to the Federal Reserve regarding - Proposed Revisions to the Federal Reserve Policy on Payment System Risk and the Guidance for Account Services Requests (AKA Skinny master accounts)- Docket No. OP-1878 (Federal Reserve) Action Alerts - Action Alert - Urge the Federal Reserve to Protect the Payments System regarding access to the payments system for limited service or Skinny master accounts (Federal Reserve) Action Alert - Urge Your U.S. House Member to Support the Main Street Capital Access Act (H.R. 6955) (House) specifically regarding regulatory fairness, transparency and right-sizing; promoting healthy, growing, and competitive banking industry; and improving access to funding and capital for small to mid-sized banks (House) Action Alert - Urge Illinois Senators to Protect Community Bank Deposits in the CLARITY Act regarding disintermediation of community bank deposits from stablecoin issuers and exchanges from paying interest or rewards on stablecoin deposits (Senate) Miscellaneous - Check Fraud - Status of the results of the June of 2025 joint regulator Request For Information (RFI) on payments/check fraud (Fed, OCC and FDIC) AI - Awareness of the various issues surrounding its use (House)
2026 · third_quarter · Economics/Economic Development
Legislation and Regulation - H.R. 6644 and S. 2651 or the ROAD Act which is the 21st Century ROAD to Housing Act including the inclusion of the provisions in H.R. 6644 (Housing for the 21st Century Act (Title VI) and regarding final passage (House and Senate) H.R. 10325 (All Sections) a bill to increase the mandatory contribution Federal Home Loan Banks make to Affordable Housing Programs (AHPs) All Sections (House) Letters - None Action Alerts - None Miscellaneous - None
Client expense: $70,000 · Firm income: Not reported
Government targets: HOUSE OF REPRESENTATIVES, SENATE
2026 · third_quarter · Financial Institutions/Investments/Securities
Legislation and Regulation - H.R. 6955 the Main Street Capital Access Act (All Sections) regarding regulatory fairness, transparency and right-sizing; promoting healthy, growing, and competitive banking industry; and improving access to funding and capital for small to mid-sized banks (House) S. 5526 the Agricultural Act of 2026 specifically regarding an amendment offered by Senators Justice and Welch concerning allowing Farm Credit to expand the definition of rural communities in which they can make home loans (Senate) H.R. 10325 (All Sections) a bill to increase the mandatory contribution Federal Home Loan Banks make to Affordable Housing Programs (AHPs) All Sections (House) H.R. 6644 and S. 2651 or the ROAD Act which is the 21st Century ROAD to Housing Act specifically including the inclusion of the provisions in H.R. 6644 (Housing for the 21st Century Act (Title VI) and regarding final passage (House and Senate) H.R. 3633 the CLARITY Act (Section 404) specifically regarding stablecoin yield or rewards or incentives and the potential to disintermediate community bank deposits (Senate) Letters - Letter to the Federal Reserve regarding - Proposed Revisions to the Federal Reserve Policy on Payment System Risk and the Guidance for Account Services Requests (AKA Skinny master accounts)- Docket No. OP-1878 (Federal Reserve) Action Alerts - Action Alert - Urge the Federal Reserve to Protect the Payments System regarding access to the payments system for limited service or Skinny master accounts (Federal Reserve) Action Alert - Urge Your U.S. House Member to Support the Main Street Capital Access Act (H.R. 6955) (House) specifically regarding regulatory fairness, transparency and right-sizing; promoting healthy, growing, and competitive banking industry; and improving access to funding and capital for small to mid-sized banks (House) Action Alert - Urge Illinois Senators to Protect Community Bank Deposits in the CLARITY Act regarding disintermediation of community bank deposits from stablecoin issuers and exchanges from paying interest or rewards on stablecoin deposits (Senate) Miscellaneous - Check Fraud - Status of the results of the June of 2025 joint regulator Request For Information (RFI) on payments/check fraud (Fed, OCC and FDIC) AI - Awareness of the various issues surrounding its use (House)
Client expense: $70,000 · Firm income: Not reported
Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), SENATE
Client expense: $70,000 · Firm income: Not reported
Government targets: Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Office of the Comptroller of the Currency (OCC), SENATE