H.R. 10325, Affordable Housing Funding Mandate. Quorum's AI analysis reads it as a net benefit — and names who gains.
H.R. 10325 · Net good
What it does
This bill increases the mandatory contribution that Federal Home Loan Banks must make to the Affordable Housing Program. Currently, banks contribute 10% of net income annually; starting in 2026, they must contribute 15% of the prior year's net income, with a floor guarantee of at least $100 million total per year across all banks. The change takes effect after 2025.
The analysis names affordable housing developers and nonprofits (indirect, via program funding) — and 1 more group — among the beneficiaries.
The trade-off
The $100 million annual floor may become binding if bank net income declines significantly, creating a potential drag on bank profitability during economic downturns.
Transparency scores 95%, with a low warning level and no provisions unrelated to the bill's subject.
Who is behind it
Filed by Maxine Waters.
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