HR 3206 · in committee · major
Protecting America's Property Rights Act
- housing
What this bill does
- This bill requires Fannie Mae and Freddie Mac to set standards for title insurance and related risk management products.
- It affects mortgage lenders, borrowers, and the companies that buy mortgages in the secondary market.
- Lenders must hold an extra 1% capital on mortgages that don't meet the new standards.
Generated by claude-haiku-4-5
Community Threads
Started by Cosponsor
- 01
How would the 1% additional capital requirement on non-compliant mortgages affect borrowing costs and loan availability for homebuyers?
- 02
What specific title insurance standards should Fannie Mae and Freddie Mac establish, and who decides if they adequately protect both lenders and borrowers?
- 03
Which mortgage lenders and borrowers would be most impacted by the new standards, and could compliance costs shift to consumers through higher fees?
Cosponsor writes these to seed civic discussion — they aren't user posts. Sign in to reply.

Sponsor · R-NY-2
Andrew R. Garbarino
Citizen cosponsors
0
In Congress
19/ 435
House Reps cosponsoring
Introduced 2025-05-06
Joining the bill

Vicente Gonzalez
D-TX-34 · original

Jared Moskowitz
D-FL-23

Sarah McBride
D-DE

Warren Davidson
R-OH-8

Mark Alford
R-MO-4

Julie Johnson
D-TX-32

Andy Barr
R-KY-6

Tracey Mann
R-KS-1

Brad Sherman
D-CA-32

Joseph D. Morelle
D-NY-25

Young Kim
R-CA-40

Jim Costa
D-CA-21
+ 7 more
Legislative timeline
2025-05-06 · house · IntroReferral
Referred to the House Committee on Financial Services.
2025-05-06 · IntroReferral
Introduced in House
2025-05-06 · IntroReferral
Introduced in House
Citizen comments
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