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House bill · H.R. 9459 (119th Congress)

Home Affordability Through Mortgage Simplification Act

U.S. House of Representatives

Latest action Jun 25, 2026

Sponsor: Scott Fitzgerald (U.S. Representative, WI-5, Republican)

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From Congress.gov and official rosters. This record was last updated Jul 30, 2026. About our data

Summary

Would amend the Truth in Lending Act's mortgage disclosure rules: setting materiality standards and safe harbors for disclosures, simplifying waiting-period requirements, widening the tolerance for annual percentage rate accuracy, and creating an aggregate variance standard for estimated closing costs on the loan estimate.

AI summary. Not an official summary. How we handle summaries

Where it stands

Assigned to a committee for review.

  1. Introduced
  2. In committee
  3. Up for a vote
  4. Passed one chamber
  5. Passed
  6. Enacted

Committee

House Committee on Financial Services · U.S. House of Representatives

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Full history

  1. Jun 25, 2026

    Introduced

    Introduced in House

    U.S. House of Representatives

  2. Jun 25, 2026

    Introduced

    Introduced in U.S. House

    U.S. House

  3. Jun 25, 2026

    Referred to committee

    Referred to the House Committee on Financial Services.

    U.S. House of Representatives

Read the record