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Reforms to Housing Counseling and Financial Literacy Programs.

This bill aims to improve the quality and accessibility of housing counseling and financial literacy programs. Citizens will benefit from more competent advisors, and those struggling with mortgage payments will have a clear opportunity to receive support, potentially at no cost. This seeks to help prevent home loss.
Key points
Increased availability of housing counseling services in both urban and rural areas.
Stricter performance reviews and certification requirements for housing counselors.
Opportunity for homeowners 30+ days delinquent on mortgage payments to receive counseling.
Costs for counseling for certain FHA-insured delinquent borrowers may be covered.
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Status: Introduced
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Additional Information
Print number: 119_HR_6726
Sponsor: Rep. Scott, David [D-GA-13]
Process start date: 2025-12-15
System Note: Lustra is free, publicly auditable civic infrastructure — 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-2.5-flash
Source data: api.congress.gov
AI work logs for this document launch

OFFICIAL LEGAL TITLE

To amend the Housing and Urban Development Act of 1968 to provide reforms to housing counseling and financial literacy programs.

FREQUENTLY ASKED QUESTIONS

What is the official ID of this bill?

The official print number for this legislation is 119_HR_6726.

Which chamber initiated this legislation?

This legislation was initiated in the House of Representatives.

When did the legislative process begin?

The process officially started on 2025-12-15.

What are the main provisions?

Key points include:

  • Increased availability of housing counseling services in both urban and rural areas.
  • Stricter performance reviews and certification requirements for housing counselors.
  • Opportunity for homeowners 30+ days delinquent on mortgage payments to receive counseling.
  • Costs for counseling for certain FHA-insured delinquent borrowers may be covered.
What is the specific legal status?

The current status is Introduced.

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 Rep. Scott, David [D-GA-13].

What is the latest detailed status?

The latest detailed status is: Referred to the House Committee on Financial Services.

Is this summary verified?

Yes. This content was analyzed by AI and verified by the Lustra Judge System on 2026-01-11.

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

Real Estate Benefits