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S. 2078 112th Congress Senate

Home Building Lending Improvement Act of 2012

Official title: A bill to enable Federal and State chartered banks and thrifts to meet the credit needs of the Nation's home builders, and to provide liquidity and ensure stab… Show full official titleShow less

Official title: A bill to enable Federal and State chartered banks and thrifts to meet the credit needs of the Nation's home builders, and to provide liquidity and ensure stable credit for meeting the Nation's need for new homes.

Introduced: February 7, 2012 See on congress.gov
Housing and Community Development Administrative law and regulatory proceduresBanking and financial institutions regulationBuilding constructionCredit and credit markets
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Department of the TreasuryFederal Deposit Insurance Corporation (FDIC)Federal Reserve SystemHousing finance and home ownershipReal estate business
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This bill died when the 112th Congress ended
It never became law before the 112th Congress (2011–2012) 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 7, 2012
Introduced in Senate
Feb 7, 2012
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
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 Latest action February 7, 2012

Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

 Plain-English summary Congressional Research Service

Home Building Lending Improvement Act of 2012 - Directs each of the appropriate federal banking agencies to initiate guidance or rulemaking with respect to financial institutions under their respective jurisdictions that make real estate loans to home builders.

Requires such rulemaking to provide for: (1) adjustment from 100% to 125% of bank capital the measurement that triggers additional scrutiny on real estate loans in the lending portfolio of any qualified financial institution, (2) a prohibition against compelling lenders to call loans in good standing, and (3) improved composite ratings of a financial institution to take effect immediately.

Prohibits a federal banking agency also from preventing a qualified financial institution from making a real estate loan to a home builder in good standing that is secured by a viable project, unless there is a legitimate supervisory or accounting reason to do so.

Prohibits such banking agencies from requiring a financial institution to reclassify any real estate loan to a homebuilder in good standing on the balance sheet of such institution, unless there is a legitimate supervisory or accounting reason to do so.

Prohibits such agency guidance and regulations from superseding state law, except to the extent of state law inconsistency.

 Related & companion bills 1
  • HR 1755 Home Construction Lending Regulatory Improvement Act of 2011
 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 1
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APA
U.S. Congress. (2026). S. 2078: Home Building Lending Improvement Act of 2012. 112th Congress. Open America. https://openamerica.io/bill/112-S-2078/
MLA
"S. 2078: Home Building Lending Improvement Act of 2012." 112th Congress, 2026, Open America, https://openamerica.io/bill/112-S-2078/.
Bluebook (legal)
S. 2078, 112th Cong. (2026), https://openamerica.io/bill/112-S-2078/.
Markdown link
[S. 2078: Home Building Lending Improvement Act of 2012](https://openamerica.io/bill/112-S-2078/)
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