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Middle Class Mortgage Insurance Premium Act of 2022

The Act amends the Internal Revenue Code of 1986 to increase the income cap with respect to the mortgage insurance premium deduction from $100,000 ($50,000) to $200,000 ($100,000). Additionally, it makes this deduction permanent by striking the termination clause. The amendments apply to taxable years beginning after December 31, 2021.
Key points
Increases the income cap for the mortgage insurance premium deduction from $100,000 ($50,000) to $200,000 ($100,000).
Makes the mortgage insurance premium deduction permanent.
Applies to taxable years beginning after December 31, 2021.
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Status:
Expired
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Additional Information
Print number: 117_S_3590
Sponsor: Sen. Hassan, Margaret Wood [D-NH]
Process start date: 2022-02-07
System Note: Lustra is free, publicly auditable civic infrastructure, with full source code available on GitHub. You are reading sterilized legislative data, processed by our radical neutrality engine to strip political spin and retain factual mechanics. We process only official government data. Original documents remain the authoritative source, always verify them if you can.
Summarized by: gemini-3-pro-preview
Source data: api.congress.gov
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OFFICIAL LEGAL TITLE

Middle Class Mortgage Insurance Premium Act of 2022

FREQUENTLY ASKED QUESTIONS

What is the official ID of this bill?

The official print number for this legislation is 117_S_3590.

Which chamber initiated this legislation?

This legislation was initiated in the Senate.

When did the legislative process begin?

The process officially started on 2022-02-07.

What are the main provisions?

Key points include:

  • Increases the income cap for the mortgage insurance premium deduction from $100,000 ($50,000) to $200,000 ($100,000).
  • Makes the mortgage insurance premium deduction permanent.
  • Applies to taxable years beginning after December 31, 2021.
What is the specific legal status?

The current status is Expired.

Where can I read the full text of this legislation?

The full official text is available at: View full text

Who is the primary sponsor?

The primary sponsor is Sen. Hassan, Margaret Wood [D-NH].

What is the latest detailed status?

The latest detailed status is: Introduced in Senate

Is this summary verified?

Yes. This content was analyzed by AI and verified by the Lustra Judge System on 2026-01-02.

What is the impact of this bill?

We don't know, that is up to you to decide. Summarizing raw data with AI is fundamentally different from predicting socio-economic outcomes. As of 2026, we believe impact assessment strictly requires a human in the loop to verify and judge.

CATEGORIES

Taxes Real Estate