HR3206Referred to Committee
Protecting America's Property Rights Act
Introduced
In Committee
3
Passed One Chamber4
Passed Both5
Signed into Law119th
Congress
2025-05-06
Introduced
23
Cosponsors
HR
ⓘType
Sponsor
Andrew R. Garbarino
Republican · NY · Representative
Votes with party: 94.5% (585 recorded votes)
Full profile: /officials/G000597
Source: Congress.gov · FEC
Cosponsors (23)
Members who have signed on to support this bill since introduction. Source: Congress.gov.
- Vicente Gonzalez (D-TX-34)Original· 2025-05-06
- Jared Moskowitz (D-FL-23)· 2025-05-21
- Sarah McBride (D-DE)· 2025-06-20
- Warren Davidson (R-OH-8)· 2025-06-26
- Julie Johnson (D-TX-32)· 2025-07-16
- Mark Alford (R-MO-4)· 2025-07-16
- Andy Barr (R-KY-6)· 2025-07-17
- Tracey Mann (R-KS-1)· 2025-07-25
- Brad Sherman (D-CA-32)· 2025-08-26
- Joseph D. Morelle (D-NY-25)· 2025-10-03
- Young Kim (R-CA-40)· 2025-12-02
- Jim Costa (D-CA-21)· 2025-12-04
- Guy Reschenthaler (R-PA-14)· 2025-12-16
- Dave Min (D-CA-47)· 2025-12-18
- W. Gregory Steube (R-FL-17)· 2026-01-15
- Thomas R. Suozzi (D-NY-3)· 2026-02-02
- Daniel Meuser (R-PA-9)· 2026-02-20
- Dusty Johnson (R-SD)· 2026-03-18
- Michael Lawler (R-NY-17)· 2026-03-18
Latest Action
The most recent step in the bill's legislative path. Committee Activity below shows referrals and reports; the full action-by-action history including floor proceedings lives at Congress.gov →
Committee Activity
Currently in
- House Committee on Financial ServicesReferred To · 2025-05-06
Previously
- Financial Services CommitteeReferred To · 2025-05-06
Plain-English Summary
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.
Plain-English rewrite of the Congressional Research Service summary published on Congress.gov. Cached and reviewed.
Subjects
Finance and Financial Sector
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