HR9459Referred to Committee

To amend the Truth in Lending Act to modernize disclosure requirements, establish materiality standards and safe harbors for mortgage disclosures, simplify waiting period requirements, expand tolerances for annual percentage rate accuracy, and for other purposes.

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Introduced
In Committee
3
Passed One Chamber
4
Passed Both
5
Signed into Law
119th
Congress
2026-06-25
Introduced
0
Cosponsors
HR
ⓘ
Type

Sponsor

Scott Fitzgerald
Scott Fitzgerald
Republican · WI · Representative
Votes with party: 98.1% (580 recorded votes)

Full profile: /officials/F000471

Source: Congress.gov · FEC

Cosponsors (0)

Members who have signed on to support this bill since introduction. Source: Congress.gov.

No cosponsors on record. Bills can pass without cosponsors — this often means the sponsor introduced the bill alone, either because it's a messaging bill, a chairman's mark, or simply early in the legislative cycle.

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 →

Referred to the House Committee on Financial Services.

2026-06-25

Source: Congress.gov

Committee Activity

Currently in

Plain-English Summary

This bill would update mortgage lending rules to make disclosure documents simpler and clearer for borrowers while giving lenders more flexibility in how they present information. It would change waiting periods before closing, allow slightly larger margins of error in interest rate calculations, and create safe zones where lenders won't face penalties for minor mistakes in disclosures. The changes would affect anyone getting a mortgage, as well as banks and lending companies that originate home loans.

AI-assisted summary generated from the official bill metadata (title, subjects, actions) sourced from Congress.gov. Cached and reviewed. Always verify against the official text linked below.

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