United States 119th Congress Status: In Committee 4 D cosponsors

S 3156 — Federal Worker Mortgage Forbearance Act

Last action — Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

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

This bill is in committee in the Senate. Introduced November 07, 2025. It must pass committee before a floor vote.

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

Odds of enactment

Low chance

Based on the sponsor, cosponsors, and committee posture, this bill has a low chance of becoming law.

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A statistical estimate from our own model of past outcomes — an insight, not a guarantee. Policymaking is volatile.

Prognosis

Stalled 22% · moderate confidence

  • In Committee

    Current position in the legislative process.

  • 4 sponsors

    1 primary, 3 co-sponsors signed on.

  • Single-party support

    Sponsorship is currently within one party (4 D).

Based on stage, sponsorship breadth, committee status, recorded votes, and cross-state momentum — a description of the observable signals, not a prediction.

Bill Text

How this bill changes current law

8 changes Share ↗

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

The bill introduces a process for federal employees to request mortgage forbearance during lapses in appropriations.

  • 15 U.S.C. 1681s-2(a)(1)

    ``(G) Reporting information relating to certain forbearances.--``

    Adds a requirement for creditors to report certain forbearances on credit obligations.

  • 15 U.S.C. 1681s-2(a)(1)

    ``(i) Definition.--In this subsection, the term `accommodation' means an agreement to grant a period of forbearance pursuant to section 2(b) of the Federal Worker Mortgage Forbearance Act.``

    Defines 'accommodation' in relation to mortgage forbearance.

  • 15 U.S.C. 1681s-2(a)(1)

    ``(ii) Reporting.--Except as provided in clause (iii), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall--``

    Mandates reporting requirements for creditors when accommodations for forbearance are made.

  • 15 U.S.C. 1681s-2(a)(1)

    ``(I) report the credit obligation or account as current; or``

    Requires reporting the account as current if the consumer complies with the forbearance agreement.

  • 15 U.S.C. 1681s-2(a)(1)

    ``(II) if the credit obligation or account was delinquent before the accommodation--``

    Specifies conditions under which delinquent statuses can be maintained.

  • 15 U.S.C. 1681s-2(a)(1)

    ``(aa) maintain the delinquent status during the period in which the accommodation is in effect; and``

    Allows creditors to keep accounts marked as delinquent during the forbearance period.

  • 15 U.S.C. 1681s-2(a)(1)

    ``(bb) if the consumer brings the credit obligation or account current during the period described in item (aa), report the credit obligation or account as current.``

    Requires creditors to update the credit status to current if the consumer rectifies the delinquency.

  • 15 U.S.C. 1681s-2(a)(1)

    ``(iii) Exception.--Clause (ii) shall not apply with respect to a credit obligation or account of a consumer that has been charged-off.''.

    Exempts charged-off accounts from the new reporting requirements.

Action History

  1. Introduced in Senate

  2. Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

Sponsors

Sponsorship breakdown

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1 sponsors · 3 co-sponsors · 543 not signed on

Sponsors (1)

Co-sponsors (3)

Not signed on (543)

543 members have not signed on to this bill.

Show all 543 →

"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
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 S 3156?
S 3156 is sponsored by Alsobrooks, Angela D. (Democratic), Van Hollen, Chris (Democratic), Kaine, Tim (Democratic), and Warner, Mark R. (Democratic).
What is the current status of S 3156?
This bill is in committee in the Senate. Introduced November 07, 2025. It must pass committee before a floor vote.
Where can I track S 3156?
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