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H.R. 6746 115th Congress House

Protecting American Taxpayers and Homeowners Act of 2018

Official title: To protect American taxpayers and homeowners by creating a sustainable housing finance system for the 21st century, and for other purposes.

Introduced: September 7, 2018 See on congress.gov
Housing and Community Development Administrative law and regulatory proceduresAdvisory bodiesBanking and financial institutions regulationBusiness records
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Computers and information technologyCongressional oversightConsumer Financial Protection BureauCredit and credit marketsExecutive agency funding and structureFederal Reserve SystemFederal officialsFederally chartered organizationsFraud offenses and financial crimesGovernment corporations and government-sponsored enterprisesGovernment employee pay, benefits, personnel managementGovernment information and archivesGovernment lending and loan guaranteesGovernment studies and investigationsHousing and community development fundingHousing finance and home ownershipHousing industry and standardsInterest, dividends, interest ratesJudicial review and appealsLicensing and registrationsLife, casualty, property insurancePerformance measurementPublic contracts and procurementRural conditions and developmentSecuritiesState and local taxationTax administration and collection, taxpayersTax-exempt organizationsTransfer and inheritance taxesUser charges and fees
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This bill died when the 115th Congress ended
It never became law before the 115th Congress (2017–2018) 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
Sep 7, 2018
Referred to the Committee on Financial Services, and in addition to the Committee on Ways and Means, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.
Sep 7, 2018
Introduced in House
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 Latest action September 7, 2018

Referred to the Committee on Financial Services, and in addition to the Committee on Ways and Means, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.

 Plain-English summary Congressional Research Service

Protecting American Taxpayers and Homeowners Act of 2018

This bill revises provisions related to housing finance, mortgage-backed securities, and government-sponsored enterprises. Among other things, the bill:

  • abolishes the Federal Home Loan Mortgage Corporation (Freddie Mac) and the Federal National Mortgage Association (Fannie Mae), effective five years after the bill's enactment;
  • makes both the Government National Mortgage Association (Ginnie Mae) and the Federal Housing Administration (FHA) independent of the Department of Housing and Urban Development (HUD);
  • transfers certain functions from HUD and the Department of Agriculture to the FHA and otherwise revises the FHA's authority; and
  • establishes a mortgage-backed security market exchange and covered bond program.
 Related & companion bills 3
  • HR 1153 Mortgage Choice Act of 2017
  • HR 4545 Financial Institutions Examination Fairness and Reform Act
  • S 2237 Financial Institutions Examination Fairness and Reform Act
 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 2
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APA
U.S. Congress. (2026). H.R. 6746: Protecting American Taxpayers and Homeowners Act of 2018. 115th Congress. Open America. https://openamerica.io/bill/115-HR-6746/
MLA
"H.R. 6746: Protecting American Taxpayers and Homeowners Act of 2018." 115th Congress, 2026, Open America, https://openamerica.io/bill/115-HR-6746/.
Bluebook (legal)
H.R. 6746, 115th Cong. (2026), https://openamerica.io/bill/115-HR-6746/.
Markdown link
[H.R. 6746: Protecting American Taxpayers and Homeowners Act of 2018](https://openamerica.io/bill/115-HR-6746/)
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