WHAT THE LAW DOINCongress, in plain words

H.R. 9514 · 119th Congress

Homeownership Eligibility Reform Act

IntroducedImmigration
IntroducedJun 29, 2026
Passed HouseNot yet
Passed SenateNot yet
To PresidentNot yet
Became lawNot yet

How this bill changes the law

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H.R. 9514 would change 3 sections of existing law. Read from the bill text as introduced in the House (Jun 29, 2026).

12 U.S.C. 1709 Insurance of mortgages

  • (b) Eligibility for insurance; mortgage limits rewritten · Sec. 2 · see the words

12 U.S.C. 1717

12 U.S.C. 1454

What the words would change: every change, in place (3)

Today's wording of each part of the law, with what would be struck out and added. Each change also gives the bill's own instruction, word for word.

  1. 12 U.S.C. 1709(b)(8)rewrittenby H.R. 9514 Sec. 2

    The bill says: Section 203(b)(8) of the National Housing Act (12 U.S.C. 1709(b)(8)) is amended to read as follows:

  2. 12 U.S.C. 1717(b)(2)addedby H.R. 9514 Sec. 3(a)

    The bill says: Section 302 of the Federal National Mortgage Association Charter Act (12 U.S.C. 1717) is amended in subsection (b)(2), by inserting after the second sentence the following: "No such purchase of a conventional mortgage secured by a property comprising one- to four-family dwelling unit shall be made if the mortgagor is not a citizen of the United States.".

  3. 12 U.S.C. 1454(a)(2)addedby H.R. 9514 Sec. 3(b)

    The bill says: Section 305 of the Federal Home Loan Mortgage Corporation Act (12 U.S.C. 1454) is amended in subsection (a)(2) by inserting after the first sentence the following: "No such purchase of a conventional mortgage secured by a property comprising one- to four-family dwelling unit shall be made if the mortgagor is not a citizen of the United States.".

From the bill's official text on GovInfo and the U.S. Code, latest edition, which may not yet show changes made since.

What it does

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The Congressional Research Service hasn't published a summary of this bill yet. They usually follow within weeks of introduction.

Our plain-language breakdown, with what it means for you and the case for and against, is written once a bill starts to move.

What has happened

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  1. 2026-06-29Introduced in HouseLibrary of Congress

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Cosponsors

  • Sheri Biggs R-SC-3
  • Gus M. Bilirakis R-FL-12
  • Michael Cloud R-TX-27
  • Andrew S. Clyde R-GA-9
  • Elijah Crane R-AZ-2
  • Randy Fine R-FL-6
  • Clay Fuller R-GA-14
  • Paul A. Gosar R-AZ-9
  • Glenn Grothman R-WI-6
  • Diana Harshbarger R-TN-1
  • Ronny Jackson R-TX-13
  • Nancy Mace R-SC-1
  • Barry Moore R-AL-1
  • Riley M. Moore R-WV-2
  • Scott Perry R-PA-10
  • Michael A. Rulli R-OH-6