Who it affects
- Federal Home Loan Banks
- Member banks financing housing
- People with low or moderate incomes
- Affordable rental housing buyers and developers
In committeeHousingBanking
Federal Home Loan Bank housing contributions
H.R. 10325 · House bill · Introduced Sept. 8, 2026
This bill would increase Federal Home Loan Banks’ required contributions to affordable housing programs from 10% to 15% of yearly net income.
At a glance
Where it stands
In committee
How South Carolina voted
No recorded votes yet.
See each vote ↓Lobbying and money
No lobbying reported yet
Lobbyists report every three months, about 20 days after each quarter ends. We have January 2025 through September 2026 reports. Newer reports will be added once filed and published.
What it would do
- Each Federal Home Loan Bank must contribute to its own Affordable Housing Program.
- The bill raises required contributions from 10% to 15% of each bank’s yearly net income.
- These programs lower interest costs for member banks financing mortgages for people with low or moderate incomes.
- They also lower interest costs for member banks financing affordable rental housing purchases, construction, or repairs.
Written with AI from the official summary by Congress's research office.
How South Carolina voted
No recorded roll-call vote on this bill yet.
Groups that lobbied on it and gave to SC's members
PAC, lobbyist campaign and qualifying employee money this election, shown separately and never added together. Lobbying reports name the bills a group worked on, not which side it took.
No lobbying reported yet. Lobbyists report every three months, about 20 days after each quarter ends. We have January 2025 through September 2026 reports. Newer reports will be added once filed and published.
Official record
Official title, sponsor and status
- Official title
- To increase the mandatory contribution amount of Federal Home Loan Banks to the Affordable Housing Program, and for other purposes.
- Sponsor
- Rep. Waters, Maxine (D-CA)
- Introduced
- Sept. 8, 2026
- Cosponsors
- 0
- Committees
- House Financial Services Committee
- Latest action
- Sept. 16, 2026 · Ordered to be Reported Unfavorably (Amended) by the Yeas and Nays: 21 - 28.
Official summary from the Congressional Research Service
This bill increases the required contributions of Federal Home Loan Banks to the Affordable Housing Program established by each bank. These programs subsidize interest rates for member banks to finance (1) mortgages for low- and moderate-income individuals; and (2) the purchase, construction, or rehabilitation of affordable rental housing. Specifically, the bill increases the percentage of yearly net income that each Federal Home Loan Bank must contribute to these programs from 10% to 15%.
Summary on Congress.gov ↗Everyone who lobbied on this bill (0 groups)
No lobbying report we have loaded names this bill. That doesn't mean no lobbying took place.
Lobbyists report every three months, about 20 days after each quarter ends. We have January 2025 through September 2026 reports. Newer reports will be added once filed and published. Reports for October through December 2026 are due January 20, 2027.