Protecting America's Property Rights Act
Official title: To provide additional requirements for the purchase and sale of conventional mortgages by the enterprises, and for other purposes.
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Referred to the House Committee on Financial Services.
Protecting America's Property Rights Act
This bill directs the government-sponsored enterprises—Fannie Mae and Freddie Mac—to establish standards for the use of products such as title insurance. (The enterprises facilitate liquidity in the mortgage market by purchasing mortgages and issuing mortgage-backed securities.)
Specifically, the enterprises must establish regulations or guidelines for risk management related to loss or damage from liens upon, encumbrances on, or defects in the title to property, or the invalidity or unenforceability of any liens or encumbrances on property by using third party products subject to state regulation.
Further, the enterprises must hold an additional 1% of the unpaid principal of any mortgage that does not meet the above regulations or guidelines as part of each enterprise’s minimum capital levels.
- Introduced in House Formatted Text PDF Formatted XML
- FIRST AMERICAN FINANCIAL CORPORATION
- AMERICAN LAND TITLE ASSOCIATION
- THE PENNSYLVANIA AVENUE GROUP
- RESOLUTION PUBLIC AFFAIRS, LLC
- FORBES-TATE
- WILLIAMS AND JENSEN, PLLC
Bodies those filers lobbied
- HOUSE OF REPRESENTATIVES
- SENATE
- Treasury, Dept of
- Federal Housing Finance Agency (FHFA)
- Financial Crimes Enforcement Network (FinCEN)
- Consumer Financial Protection Bureau (CFPB)
- Executive Office of the President (EOP)
- Federal Trade Commission (FTC)
Cite this page
U.S. Congress. (2026). H.R. 3206: Protecting America's Property Rights Act. 119th Congress. Open America. https://openamerica.io/bill/119-HR-3206/
"H.R. 3206: Protecting America's Property Rights Act." 119th Congress, 2026, Open America, https://openamerica.io/bill/119-HR-3206/.
H.R. 3206, 119th Cong. (2026), https://openamerica.io/bill/119-HR-3206/.
[H.R. 3206: Protecting America's Property Rights Act](https://openamerica.io/bill/119-HR-3206/)