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H.R. 3706 111th Congress House

FHA Taxpayer Protection Act of 2009

Official title: To require borrowers under FHA-insured mortgages for single-family housing to make downpayments of at least 5 percent and to prohibit financing of closing costs under such mortgages.

Introduced: November 19, 2009 See on congress.gov
Housing and Community Development Government lending and loan guaranteesGovernment studies and investigationsGovernment trust fundsHousing finance and home ownershipUser charges and fees
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This bill died when the 111th Congress ended
It never became law before the 111th Congress (2009–2010) 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 1, 2009
Referred to the House Committee on Financial Services.
Oct 1, 2009
Introduced in House
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 Latest action October 1, 2009

Referred to the House Committee on Financial Services.

 Plain-English summary Congressional Research Service

FHA Taxpayer Protection Act of 2009 - Amends the National Housing Act to increase the downpayment requirement for a Federal Housing Administration (FHA) mortgage loan from 3.5% to 5%.

Repeals the current inclusion in the principal amount of an FHA mortgage loan of any initial service charges, appraisal, inspection, and other fees that the Secretary of Housing and Urban Development (HUD) approves. Prohibits the inclusion of such charges and fees in the principal amount of an FHA mortgage loan.

Directs the Comptroller General to study and report to Congress on the Mutual Mortgage Insurance Fund and the mortgage insurance programs under which the insurance obligations are obligations of such Fund.

 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 1
 Cosponsors 5
All 5 Republican 4
R
Blackburn, Marsha
Tennessee · Nov 19, 2009
 R
Carter, John R.
Texas · Nov 19, 2009
 R
Cole, Tom
Oklahoma · Nov 19, 2009
Fallin, Mary
· Nov 19, 2009
 R
Foxx, Virginia
North Carolina · Nov 19, 2009
Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 3706: FHA Taxpayer Protection Act of 2009. 111th Congress. Open America. https://openamerica.io/bill/111-HR-3706/
MLA
"H.R. 3706: FHA Taxpayer Protection Act of 2009." 111th Congress, 2026, Open America, https://openamerica.io/bill/111-HR-3706/.
Bluebook (legal)
H.R. 3706, 111th Cong. (2026), https://openamerica.io/bill/111-HR-3706/.
Markdown link
[H.R. 3706: FHA Taxpayer Protection Act of 2009](https://openamerica.io/bill/111-HR-3706/)
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