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© 2026 Govwatch

S4636Referred to Committee

A bill to amend the Real Estate Settlement Procedures Act of 1974 to provide for interest on escrow balances.

Share:
Introduced
In Committee
3
Passed One Chamber
4
Passed Both
5
Signed into Law
119th
Congress
2026-05-21
Introduced
1
Cosponsors
S
ⓘ
Type

Sponsor

Richard Blumenthal
Richard Blumenthal
Democrat · CT · Senator
Votes with party: 64.1% (320 recorded votes)

Full profile: /officials/B001277

Source: Congress.gov · FEC

Cosponsors (1)

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

  • Elizabeth Warren (D-MA)Original· 2026-05-21

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 →

Read twice and referred to the Committee on Homeland Security and Governmental Affairs.

2026-05-21

Source: Congress.gov

Committee Activity

Currently in

  • Senate Committee on Homeland Security and Governmental AffairsReferred To · 2026-05-21

Plain-English Summary

The proposal would require mortgage lenders and servicers to pay interest on money that homeowners place in escrow accounts—accounts where funds are held to cover future property taxes and insurance payments. Currently, lenders typically hold these escrow balances without paying any interest, meaning homeowners lose out on potential earnings from their own money. The change would benefit homeowners by allowing them to earn modest returns on funds that are held in their accounts.

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.

Full bill text is not yet cached locally.
Open text viewRead on Congress.gov

Related legislation

Bills by the same sponsor or covering overlapping subjects.

  • S4646A bill to reinstate criminal penalties for persons charging veterans unauthorized fees relating to claims for benefits under the laws administered by the Secretary of Veterans Affairs, and for other purposes.
    Referred to Committee · 2026-06-01
  • SRES753A resolution expressing the sense of the Senate to reduce traffic fatalities to zero by 2050.
    Referred to Committee · 2026-05-21
  • SRES752A resolution expressing support for the designation of the month of May 2026 as "Progressive Supranuclear Palsy and Corticobasal Degeneration Awareness Month".
    Referred to Committee · 2026-05-21
  • S4572Ending Passenger Rail Forced Arbitration Act
    Referred to Committee · 2026-05-19