HR 4680
Access to Homeownership Act
Jurisdiction
US Congress
Session
119th Congress (2025-2026)
Last updated at
Jun 14, 2026, 4:01 AM
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Sign in to take action- Introduced
- Passed House
- Passed Senate
- To President
- Became Law
Bill overview
This bill, the Access to Homeownership Act, aims to improve the process of assessing creditworthiness for multifamily mortgage loans. It requires Federal Housing Enterprises to collect and report positive rental payment history from residents to consumer reporting agencies, similar to how individual tenant payments are reported. This data will be used to evaluate borrowers’ ability to pay rent and potentially impact mortgage insurance applications. The bill also establishes a reporting program and requires covered entities to obtain resident consent before reporting payment information.
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