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Financial Services Committee
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H.R. 3206In committee
Protecting America's Property Rights Act
Introduced: May 6, 2025
Latest action date: May 6, 2025
Latest development
Referred to the House Committee on Financial Services.
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- Congress
- 119th Congress
- Introduced
- May 6, 2025
- Recorded roll calls
- 0
Status detail: The most advanced recorded stage is committee consideration.
Plain-language overview
What this bill does
Protecting America's Property Rights Act
This bill directs the government-sponsored enterprises—Fannie Mae and Freddie Mac—to establish standards for the use of products such as title insurance. (The enterprises facilitate liquidity in the mortgage market by purchasing mortgages and issuing mortgage-backed securities.)
Specifically, the enterprises must establish regulations or guidelines for risk management related to loss or damage from liens upon, encumbrances on, or defects in the title to property, or the invalidity or unenforceability of any liens or encumbrances on property by using third party products subject to state regulation.
Further, the enterprises must hold an additional 1% of the unpaid principal of any mortgage that does not meet the above regulations or guidelines as part of each enterprise’s minimum capital levels.
Official summary from Congress.gov.
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What this legislation is about
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Official CRS policy area
Finance and Financial Sector
Committee activity
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Official committee record ↗
Amendments
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No amendments are listed for this measure.
Checked against Congress.gov Oct 14, 2026.
Action timeline
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View full action timeline3 actions
Referred to the House Committee on Financial Services.
IntroReferralHouse floor actionsIntroduced in House
IntroReferralLibrary of CongressIntroduced in House
IntroReferralLibrary of Congress
Roll-call votes
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