United States 119th Congress Status: In Committee 7 D cosponsors

HR 4680 — Access to Homeownership Act

Last action — Referred to the House Committee on Financial Services.

Track this bill free

No card. One bill, free forever — alerts when it moves.

  1. ✓
    Introduced
  2. 2
    In Committee
  3. 3
    Passed House
  4. 4
    Passed Senate
  5. 5
    To Executive
  6. 6
    Enacted

This bill is in committee in the House. Introduced July 23, 2025. It must pass committee before a floor vote.

Next likely step: a committee vote, then a floor vote in the House.

Prognosis

Stalled 26% · moderate confidence

Where this bill stands today.

Odds of enactment

Low

How often bills like it became law.

  • In Committee

    Current position in the legislative process.

  • 7 sponsors

    1 primary, 6 co-sponsors signed on.

  • Single-party support

    Sponsorship is currently within one party (7 D).

Prognosis reads this bill's own signals — stage, sponsorship breadth, committee status, recorded votes and cross-state momentum. Odds come from a model trained on which bills have become law.

Bill Text

Sections of law this bill changes

1 section in 1 law

From the bill's own amending language, matched to the official United States Code (current through Public Law 119-121).

Government sponsored enterprises · 12 U.S.C. ch. 46 Amends the act as a whole

Also cites: 12 U.S.C. § 1709, 12 U.S.C. § 4602, 15 U.S.C. § 1681a

How this bill changes current law

1 change Share ↗

Compared against current U.S. Code AI-generated reading aid — verify against the official bill.

The bill introduces a new requirement for multifamily borrowers with federally backed loans to submit positive rental payment information to consumer reporting agencies.

  • 12 U.S.C. 4541

    SEC. 1355A. POSITIVE RENTAL PAYMENTS. (a) Definition.--In this section, the term `federally backed multifamily mortgage loan' includes any loan (other than temporary financing such as a construction loan) that-- (1) is secured by a first or subordinate lien on residential multifamily real property designed principally for the occupancy of 5 or more families, including any such secured loan, the proceeds of which are used to prepay or pay off an existing loan secured by the same property; and (2) is made in whole or in part, or insured, guaranteed, supplemented, or assisted in any way, by any officer or agency of the Federal Government or under or in connection with a housing or urban development program administered by the Secretary of Housing and Urban Development or a housing or related program administered by any other such officer or agency, or is purchased or securitized by the Federal Home Loan Mortgage Corporation or the Federal National Mortgage Association. (b) Authority.-- (1) In general.--The Director shall, by order or regulation, require each enterprise to establish and maintain a program requiring multifamily borrowers with federally backed multifamily mortgage loans to request the consent of their residents to report the positive rent payments of the residents directly to each consumer reporting agency described in section 603(p) of the Fair Credit Reporting Act (15 U.S.C. 1681a(p)), including 24 months of prior positive rent payments (if available). (2) Requirements.--Multifamily borrowers with federally backed multifamily mortgage loans shall report positive rent payments described in paragraph (1) if the resident consents to such reporting. (c) Mortgages.--Any positive rent payment made by a resident described in subsection (b) shall be considered in an application to insure a mortgage under section 203 of the National Housing Act (12 U.S.C. 1709). (d) Administrative Costs.--The administrative costs associated with reporting positive rental payments shall be covered by the enterprises. (e) Report.--The Director shall submit to Congress a report every 5 years on the programs established under this section. (f) Authorization of Appropriations.--There are authorized to be appropriated such sums as may be necessary to carry out this section.

    This new section establishes requirements for reporting positive rental payments and defines 'federally backed multifamily mortgage loans'.

Action History

  1. Introduced in House

  2. Introduced in House

  3. Referred to the House Committee on Financial Services.

Sponsors

Sponsorship breakdown

Export CSV (upgrade) →

1 sponsors · 6 co-sponsors · 540 not signed on

Sponsors (1)

Co-sponsors (6)

Not signed on (540)

540 members have not signed on to this bill.

Show all 540 →

"Not signed on" means a member has not sponsored or co-sponsored this bill — it does not imply opposition. Members flagged Voted No have a recorded No vote on this bill.

Whip count is in markup. Polling the chamber and every recorded vote this session. Only the first open is slow. It’s instant for you after this. Calling the roll · Tallying · Engrossing

Subjects

finance housing education
Cross-referencing the record. Reading this bill against every other bill in the corpus by meaning, not keywords. Only the first open is slow. It’s instant for you after this. Matching · Ranking · Engrossing

Frequently asked questions

Who sponsors HR 4680?
HR 4680 is sponsored by Johnson, Julie (Democratic), Tlaib, Rashida (Democratic), Sorensen, Eric (Democratic), Elfreth, Sarah (Democratic), Sykes, Emilia Strong (Democratic), McBride, Sarah (Democratic), and Latimer, George (Democratic).
What is the current status of HR 4680?
This bill is in committee in the House. Introduced July 23, 2025. It must pass committee before a floor vote.
Where can I track HR 4680?
Track HR 4680 free on One Click Politics — get push/email alerts when it moves.

Make your voice heard on HR 4680

Find the representatives who decide this bill and tell them where you stand — for yourself, or mobilize your whole list in one click with One Click Politics advocacy software.

Find my representatives → Run a campaign

Stay ahead of HR 4680

Last checked for changes 3 months ago · updated continuously

One Click Politics tracks every bill in Congress and all 50 states.

Track this bill →