Federal Home Loan Banks must give more to affordable housing
H.R. 10325 — To increase the mandatory contribution amount of Federal Home Loan Banks to the Affordable Housing Program, and for other purposes. · Filed by Maxine Waters (D-CA) · Introduced Sep 8, 2026 · Referred to committee
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What it does
The bill makes Federal Home Loan Banks pay more. Starting in 2026, banks must give 15% of money made the year before. They used to give 10%. Each year, all banks together must give at least $100 million.
Who it affects
Federal Home Loan Banks must pay more. People looking for affordable housing may benefit from more program money. The banks pay the extra cost.
One thing to notice
The bill does not say when this rule will end. The 15% payment is based on prior year money. Payments may delay if the economy drops.
From the analysis of the bill text, linked under Primary records below.
Where it stands
- Sep 8, 2026 — Introduced · Congress.gov: “Introduced in House”
- Sep 8, 2026 — Referred to House Committee on Financial Services · Congress.gov: “Referred to the House Committee on Financial Services”
Dates and quoted wording are Congress.gov's action record; the timeline shows status changes, not every procedural step.
Words to know
- Federal Home Loan Banks — Banks that lend money to other banks so they can give home loans.
- prior year money — The money a bank kept after paying all its costs in the previous year.
How this was measured
Analysis — Quorum's AI read the bill text published by Congress.gov (496 characters) on Sep 10, 2026. Section numbers in the findings refer to that text, linked below; transparency and hidden-provision scores are compared against the median of 14,206 analysed bills.
Status and sponsors — Congress.gov's bill record — actions, committee referrals and cosponsors — loaded nightly. The timeline shows status changes, not every procedural action.
As of — page rendered 2026-09-17.
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