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H.R. 3777 110th Congress House

Protecting Access to Safe Mortgages Act

Official title: To temporarily raise the portfolio caps applicable to Freddie Mac and Fannie Mae, to provide the necessary financing to curb foreclosures by facilitating the r… Show full official titleShow less

Official title: To temporarily raise the portfolio caps applicable to Freddie Mac and Fannie Mae, to provide the necessary financing to curb foreclosures by facilitating the refinancing of at-risk subprime borrowers into safe, prime loans, to preserve liquidity in the mortgage lending markets, and for other purposes.

Introduced: October 9, 2007 See on congress.gov
Housing and Community Development Administrative procedureCommerceDepartment of Housing and Urban DevelopmentFederal incorporation
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Finance and Financial SectorGovernment Operations and PoliticsHousing financeLawMortgage banksMortgagesSecondary mortgage market
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This bill died when the 110th Congress ended
It never became law before the 110th Congress (2007–2008) adjourned, and bills don't carry over to the next Congress. It would have to be reintroduced. You can still save it for reference, but it won't receive updates.
 Everywhere this bill has been 2 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Oct 9, 2007
Referred to the House Committee on Financial Services.
Oct 9, 2007
Introduced in House
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 Latest action October 9, 2007

Referred to the House Committee on Financial Services.

 Plain-English summary Congressional Research Service

Protecting Access to Safe Mortgages Act - Amends the Federal National Mortgage Association Charter Act and the Federal Home Loan Mortgage Corporation Act to increase mortgage portfolio limitations placed upon: (1) the Federal National Mortgage Association (Fannie Mae); and (2) the Federal Home Loan Mortgage Corporation (Freddie Mac), respectively.

Instructs the Director of the Office of Federal Housing Enterprise Oversight (OFHEO) of the Department of Housing and Urban Development (HUD) to lift: (1) the limitation on growth provision set forth in the Fannie Mae Consent Order; and (2) the voluntary temporary growth limitation described in a certain Freddie Mac Letter.

 Related & companion bills 2
  • HR 3838 To temporarily increase the portfolio caps applicable to Freddie Mac and Fannie Mae, to provide the necessary financing…
  • S 2036 Protecting Access to Safe Mortgages Act
 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 1
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APA
U.S. Congress. (2026). H.R. 3777: Protecting Access to Safe Mortgages Act. 110th Congress. Open America. https://openamerica.io/bill/110-HR-3777/
MLA
"H.R. 3777: Protecting Access to Safe Mortgages Act." 110th Congress, 2026, Open America, https://openamerica.io/bill/110-HR-3777/.
Bluebook (legal)
H.R. 3777, 110th Cong. (2026), https://openamerica.io/bill/110-HR-3777/.
Markdown link
[H.R. 3777: Protecting Access to Safe Mortgages Act](https://openamerica.io/bill/110-HR-3777/)
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