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H.R. 5508 119th Congress House

Mortgage Insurance Freedom Act

Official title: To amend the National Housing Act to restrict the collection of annual mortgage insurance premiums when a 78 percent loan-to value ratio is reached, and for other purposes.

Introduced: September 19, 2025 Introduced by: Gregory W. Meeks Democratic · New York See on congress.gov
Finance and Financial Sector
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 Everywhere this bill has been 2 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Sep 19, 2025
Referred to the House Committee on Financial Services.
Sep 19, 2025
Introduced in House
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What's happening now September 19, 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 9

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

  • FORBES-TATE
    for BROKER ACTION COALITION · Pennsylvania · 3rd Quarter 2026 (July 1 - Sep 30)
  • FORBES-TATE
    for BROKER ACTION COALITION · Pennsylvania · 2nd Quarter 2026 (Apr 1 - June 30)
  • MORTGAGE BANKERS ASSOCIATION
    for MORTGAGE BANKERS ASSOCIATION · District of Columbia · 1st Quarter 2026 (Jan 1 - Mar 31)
  • FORBES-TATE
    for BROKER ACTION COALITION · Pennsylvania · 1st Quarter 2026 (Jan 1 - Mar 31)
  • MORTGAGE BANKERS ASSOCIATION
    for MORTGAGE BANKERS ASSOCIATION · District of Columbia · 4th Quarter 2025 (Oct 1 - Dec 31)
  • FORBES-TATE
    for BROKER ACTION COALITION · Pennsylvania · 4th Quarter 2025 (Oct 1 - Dec 31)

Bodies those filers lobbied

A filing lists the bills it worked on and the parts of government it contacted in separate sections, so these are the bodies those filers named anywhere in the filing, not a per-bill breakdown.

See all 9 filings →
 Cosponsors 4
All 4 Democratic 3 Republican 1
D
Carter, Troy A.
Louisiana · Dec 3, 2025
 D
Fields, Cleo
Louisiana · Dec 3, 2025
 D
Krishnamoorthi, Raja
Illinois · Dec 3, 2025
 R
Sessions, Pete
Texas · Sep 19, 2025
Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 5508: Mortgage Insurance Freedom Act. 119th Congress. Open America. https://openamerica.io/bill/119-HR-5508/
MLA
"H.R. 5508: Mortgage Insurance Freedom Act." 119th Congress, 2026, Open America, https://openamerica.io/bill/119-HR-5508/.
Bluebook (legal)
H.R. 5508, 119th Cong. (2026), https://openamerica.io/bill/119-HR-5508/.
Markdown link
[H.R. 5508: Mortgage Insurance Freedom Act](https://openamerica.io/bill/119-HR-5508/)
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