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HR 4586 111th Congress House

Mortgage E-Verify Act of 2010

Official title: To require, as a condition for modification of a home mortgage loan held by Fannie Mae or Freddie Mac or insured under the National Housing Act, that the mortg… Show full official titleShow less

Official title: To require, as a condition for modification of a home mortgage loan held by Fannie Mae or Freddie Mac or insured under the National Housing Act, that the mortgagor be verified under the E-Verify program.

Introduced: February 3, 2010 See on congress.gov
Housing and Community Development Border security and unlawful immigrationFinancial services and investmentsForeign laborGovernment corporations and government-sponsored enterprises
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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
Feb 3, 2010
Referred to the House Committee on Financial Services.
Feb 3, 2010
Introduced in House
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 Latest action February 3, 2010

Referred to the House Committee on Financial Services.

 Plain-English summary Congressional Research Service

Mortgage E-Verify Act of 2010 - Amends the Federal National Mortgage Association Charter Act and the Federal Home Loan Mortgage Corporation Act to require the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation Act (Freddie Mac) to confirm the identity and work eligibility of the mortgagor as a prerequisite to: (1) any refinancing, restructuring, or modification agreement governing a single-family housing mortgage that is held by, or that backs any security issued by, either Fannie Mae or Freddie Mac; or (2) any purchase of, or issuance of any security that is backed by, any single-family housing mortgage made for the refinancing, restructuring, or modification of the mortgagor's previous single-family housing mortgage on the same property.

Identifies the required inquiry as one made through the basic pilot E-Verify program under the Illegal Immigration Reform and Immigrant Responsibility Act of 1996.

Amends the National Housing Act to require the Secretary of Housing and Urban Development (HUD) to use the E-Verify program to confirm the identity and work eligibility of the mortgagor as a prerequisite to single-family housing mortgage insurance issued under the Act.

 Related & companion bills 1
  • HR 4744 Related bill E-Verify Loan Origination Act of 2010
 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 1
 Cosponsors 2
All 2 Republican 1
Fallin, Mary
· Feb 3, 2010
 R
Lummis, Cynthia M.
Wyoming · Feb 3, 2010
Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 4586: Mortgage E-Verify Act of 2010. 111th Congress. Open America. https://openamerica.io/bill/111-HR-4586/
MLA
"H.R. 4586: Mortgage E-Verify Act of 2010." 111th Congress, 2026, Open America, https://openamerica.io/bill/111-HR-4586/.
Bluebook (legal)
H.R. 4586, 111th Cong. (2026), https://openamerica.io/bill/111-HR-4586/.
Markdown link
[H.R. 4586: Mortgage E-Verify Act of 2010](https://openamerica.io/bill/111-HR-4586/)
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