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HR 3206 119th Congress House Finance and Financial Sector

Protecting America's Property Rights Act

Introduced: February 20, 2026 Introduced by: Garbarino, Andrew R. Republican · New York See on congress.gov
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 Everywhere this bill has been 2 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
May 6, 2025
Referred to the House Committee on Financial Services.
May 6, 2025
Introduced in House
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 Plain-English summary Congressional Research Service

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.

What's happening now May 6, 2025

Referred to the House Committee on Financial Services.

 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 1
 Lobbying activity 22

Registered lobbyists who named this bill in their disclosure filings. Source: federal Lobbying Disclosure Act filings.

See all 22 filings →
 Cosponsors 22
All 22 Democratic 10 Republican 12
D
Cuellar, Henry
Texas · Jul 9, 2026
 R
Stutzman, Marlin A.
Indiana · Jun 4, 2026
 R
De La Cruz, Monica
Texas · May 19, 2026
 R
Johnson, Dusty
South Dakota · Mar 18, 2026
 R
Lawler, Michael
New York · Mar 18, 2026
 R
Meuser, Daniel
Pennsylvania · Feb 20, 2026
 D
Suozzi, Thomas R.
New York · Feb 2, 2026
 R
Steube, W. Gregory
Florida · Jan 15, 2026
 D
Min, Dave
California · Dec 18, 2025
 R
Reschenthaler, Guy
Pennsylvania · Dec 16, 2025
 D
Costa, Jim
California · Dec 4, 2025
 R
Kim, Young
California · Dec 2, 2025
 D
Morelle, Joseph D.
New York · Oct 3, 2025
 D
Sherman, Brad
California · Aug 26, 2025
 R
Mann, Tracey
Kansas · Jul 25, 2025
 R
Barr, Andy
Kentucky · Jul 17, 2025
 R
Alford, Mark
Missouri · Jul 16, 2025
 D
Johnson, Julie
Texas · Jul 16, 2025
 R
Davidson, Warren
Ohio · Jun 26, 2025
 D
McBride, Sarah
Delaware · Jun 20, 2025
 D
Moskowitz, Jared
Florida · May 21, 2025
 D
Gonzalez, Vicente
Texas · May 6, 2025
Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 3206: Protecting America's Property Rights Act. 119th Congress. Open America. https://openamerica.io/bill/119-HR-3206/
MLA
"H.R. 3206: Protecting America's Property Rights Act." 119th Congress, 2026, Open America, https://openamerica.io/bill/119-HR-3206/.
Bluebook (legal)
H.R. 3206, 119th Cong. (2026), https://openamerica.io/bill/119-HR-3206/.
Markdown link
[H.R. 3206: Protecting America's Property Rights Act](https://openamerica.io/bill/119-HR-3206/)
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