Bill · H.R. 10325· House(119-HR-10325)
To increase the mandatory contribution amount of Federal Home Loan Banks to the Affordable Housing Program, and for other purposes.
- Introduced
- 9/8/2026
- Last activity
- 9/16/2026 — Ordered to be Reported Unfavorably (Amended) by the Yeas and Nays: 21 - 28.
- Sponsored by
- Maxine Waters
- Cosponsors
- None
- Introduced
What this bill would do
This bill aims to increase the mandatory contribution amount that Federal Home Loan Banks must provide to the Affordable Housing Program. It proposes amending the Federal Home Loan Bank Act to change how contributions are calculated for certain years. Specifically, it seeks to establish a new contribution rate for the year 2026 and all years following it. The new rule would require a contribution of 15 percent of the preceding year's net income. Additionally, it ensures that the total contribution from the Banks does not fall below $100,000,000 in any given year.
Yes· 3 of 29
Would households on low incomes be better off under this?+10
Directly benefits the primary target of the Affordable Housing Program.
Does this make housing cost less?+10
Directly increases mandatory contributions to the Affordable Housing Program.
Is this likely to reduce homelessness?+7
Increased funding for affordable housing is primary to reducing homelessness.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
-
Increased funding for affordable housing: By increasing the mandatory contribution to 15 percent of the preceding year's net income, the bill aims to increase investment in the Affordable Housing Program (Section 1).
-
Guaranteed minimum funding levels: The bill establishes that the aggregate contribution of the Banks shall not be less than $100,000,000 for each year, providing a financial floor for the program (Section 1).
Potential Negative Impacts for People
- No negative impacts are explicitly mentioned in the text provided.
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Hover a score for the reason it gave.
- Demographic And Interest Groups
- Good For Low Income Households+10Good For People With Disabilities+5Good For Urban Residents+5Good For Young Adults+5Good For African Americans+4Good For Children+4Good For Hispanic Americans+4Good For Native Americans+4Good For Retirees+4Good For Seniors+4Good For Veterans+4Good For Immigrants+3Good For L G B T Q Community+3Good For Middle Aged+3Good For Middle Class Households+3Good For Rural Residents+3Good For Students+3Good For Women+3Good For Asian Americans+2Good For Men+2Good For White Americans+2
- Social Issues And Justice
- Improves Affordable Housing+10Reduces Homelessness+7Improves Poverty Reduction+5Improves Racial Equity+2
- Economy And Finance
- Improves Economic Growth+1Increases Job Creation+1
- Environment Energy And Infrastructure
- Improves Rural Development+2
- Governance And Ideology
- Increases Federal Power+1
- 9/16/2026
- Committee Consideration and Mark-up Session Held
- Ordered to be Reported Unfavorably (Amended) by the Yeas and Nays: 21 - 28.
- 9/8/2026
- Referred to the House Committee on Financial Services.
- Introduced in House