Bill changes how two mortgage companies leave government control.
H.R. 9460 — Sustainable Homeownership Act · Filed by Scott Fitzgerald (R-WI) · Introduced Jun 25, 2026 · Referred to committee
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What it does
The bill sets new rules for Fannie Mae and Freddie Mac. These are large companies that help people get mortgages. It requires them to move most risk to private investors within two years. It lets the companies leave federal conservatorship. The bill tightens insurance rules for loans with small down payments. It allows some borrowers to refinance for better terms.
Who it affects
First-time homebuyers may find it harder to get mortgages. People with small down payments may face higher costs. Private mortgage insurance companies and investment firms gain from taking on more risk.
One thing to notice
The bill moves most mortgage risk from taxpayers to private investors within two years. This could change mortgage costs and who can buy homes.
From the analysis of the bill text, linked under Primary records below.
Where it stands
- Jun 25, 2026 — Introduced · Congress.gov: “Introduced in House”
- Jun 25, 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.
Money around this bill
1 groups reported lobbying about this bill. They filed 1 reports from Jun 2026 to Jun 2026.
Those reports show $450,000 in lobbying spending. Each report lists about 8 bills. So that money was not all for this bill.
More groups named this bill than 0% of bills with any report.
Scott Fitzgerald, who sponsored the bill, received $880,000 from PACs for the 2026 election.
- Rocket Lp Fka Rkt Holdings — $450,000 in 1 report
Lobbying is legal. These reports show who lobbied about this bill, not what changed.
Words to know
- conservatorship — When the government takes control of a company to keep it stable.
- mortgage insurance — Insurance that protects lenders if a borrower stops paying their home loan.
- refinance — To replace an old loan with a new one, often to get better terms.
- lobbying — Trying to influence lawmakers about a bill. Companies and groups pay people to do this.
- PACs — Groups that collect money and give it to candidates for office.
- sponsored — To sponsor a bill is to introduce it in Congress and put your name on it.
How this was measured
Analysis — Quorum's AI read the full bill text on Jul 2, 2026; 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.
Money — Senate Lobbying Disclosure Act filings whose specific-issue field names this bill for quarters ending Jun 2026 to Jun 2026. A filing's amount is reported whole beside the median number of bills a filing names; it is never divided across them. PAC receipts are FEC-reported contributions to the sponsor's candidate committee in the 2026 cycle.
As of — lobbying records through Jul 20, 2026 · page rendered 2026-09-17.
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