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HR 123 116th Congress House

Alternative Data for Additional Credit FHA Pilot Program Reauthorization Act

Official title: To authorize a pilot program under section 258 of the National Housing Act to establish an automated process for providing additional credit rating information… Show full official titleShow less

Official title: To authorize a pilot program under section 258 of the National Housing Act to establish an automated process for providing additional credit rating information for mortgagors and prospective mortgagors under certain mortgages.

Introduced: January 3, 2019 Introduced by: Green, Al Democratic · Texas See on congress.gov
Housing and Community Development Consumer creditGovernment information and archivesGovernment lending and loan guaranteesHousing finance and home ownership
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This bill died when the 116th Congress ended
It never became law before the 116th Congress (2019–2020) 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 8 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Dec 17, 2020
Reported (Amended) by the Committee on Financial Services. H. Rept. 116-663.
Dec 17, 2020
Placed on the Union Calendar, Calendar No. 547.
Sep 20, 2019
Ordered to be Reported (Amended) by the Yeas and Nays: 32 - 22.
Sep 20, 2019
Committee Consideration and Mark-up Session Held.
Sep 19, 2019
Committee Consideration and Mark-up Session Held.
Sep 18, 2019
Committee Consideration and Mark-up Session Held.
Jan 3, 2019
Referred to the House Committee on Financial Services.
Jan 3, 2019
Introduced in House
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 Latest action December 17, 2020

Placed on the Union Calendar, Calendar No. 547.

 Plain-English summary Congressional Research Service

Alternative Data for Additional Credit FHA Pilot Program Reauthorization Act

This bill establishes a pilot program for an additional credit rating system for use by mortgage lenders. Specifically, the program utilizes one or more commercially available credit scoring models that apply additional credit information about borrowers who have insufficient credit histories for purposes of determining their creditworthiness for mortgages insured by the Federal Housing Administration.

 Bill text 2 versions

Source documents hosted by congress.gov.

 Committees of jurisdiction 1
 Cosponsors 2
All 2 Democratic 2
D
Cleaver, Emanuel
Missouri · Sep 18, 2019
 D
Sherman, Brad
California · Jun 12, 2019
Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 123: Alternative Data for Additional Credit FHA Pilot Program Reauthorization Act. 116th Congress. Open America. https://openamerica.io/bill/116-HR-123/
MLA
"H.R. 123: Alternative Data for Additional Credit FHA Pilot Program Reauthorization Act." 116th Congress, 2026, Open America, https://openamerica.io/bill/116-HR-123/.
Bluebook (legal)
H.R. 123, 116th Cong. (2026), https://openamerica.io/bill/116-HR-123/.
Markdown link
[H.R. 123: Alternative Data for Additional Credit FHA Pilot Program Reauthorization Act](https://openamerica.io/bill/116-HR-123/)
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