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HR 3206 · in committee · major

Protecting America's Property Rights Act

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.

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Community Threads

Started by Cosponsor

  1. 01

    How would the 1% additional capital requirement on non-compliant mortgages affect borrowing costs and loan availability for homebuyers?

  2. 02

    What specific title insurance standards should Fannie Mae and Freddie Mac establish, and who decides if they adequately protect both lenders and borrowers?

  3. 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

+ 7 more

Legislative timeline

  1. 2025-05-06 · house · IntroReferral

    Referred to the House Committee on Financial Services.

  2. 2025-05-06 · IntroReferral

    Introduced in House

  3. 2025-05-06 · IntroReferral

    Introduced in House

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