Home Affordability Through Mortgage Simplification Act

Hozzl · 2026-07-09T22:43:19Z

Explore the details of House Bill 9459 Home Affordability Through Mortgage Simplification Act currently in Congress. Get insights into its purpose, current status, sponsors, and potential impact on Housing and Community Development. Stay informed on legislative developments.

7/9/2026, 10:43 PM

Summary of Bill HR 9459

The bill titled "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" was introduced in the 119th Congress on June 25, 2026. The bill aims to update the Truth in Lending Act by enhancing disclosure rules, setting materiality standards and safe harbors for mortgage disclosures, streamlining waiting period requirements, and broadening tolerances for the accuracy of annual percentage rates.

Read the Full Bill

Formatted Text PDF Formatted XML

Current Status of Bill HR 9459

Bill HR 9459 is currently in the status of Bill Introduced since June 25, 2026. Bill HR 9459 was introduced during Congress 119 and was introduced to the House on June 25, 2026. Bill HR 9459's most recent activity was Referred to the House Committee on Financial Services. as of June 25, 2026

Bipartisan Support of Bill HR 9459

Total Number of Sponsors

Democrat Sponsors

Republican Sponsors

Unaffiliated Sponsors

Total Number of Cosponsors

Democrat Cosponsors

Republican Cosponsors

Unaffiliated Cosponsors

Policy Area and Potential Impact of Bill HR 9459

Primary Policy Focus

Housing and Community Development

Alternate Title(s) of Bill HR 9459

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.