Housing Financial Literacy Act of 2025
The Housing Financial Literacy Act of 2025 modifies mortgage insurance premiums for first-time homebuyers who complete approved financial literacy counseling programs. It requires that such counseling be completed before signing a mortgage application or sales agreement. The bill reduces the mortgage insurance premium by 25 basis points (0.25%) below the standard rate established by the Secretary of Housing and Urban Development. This change directly affects first-time homebuyers who participate in qualifying housing counseling programs.
Bill status
in committee
1 of 4 stages cleared
Introduction
Nov 2025
Committee Review
Floor Vote
President
Introduced Nov 19, 2025
Last action Nov 19, 2025
Floor votes
How they voted
No floor votes recorded yet.
Full legislative history
Actions timeline
Total actions
2
Key actions
0
Committee
1
Nov 19, 2025
Committee
Referred to the House Committee on Financial Services.
lower
Nov 19, 2025
Introduced
Introduced in House
lower
1 primary · 33 co-sponsors
Sponsors
Role
Legislator
Party
State
District
P
Joyce Beatty
DDemocratic
Co
Adam Smith
DDemocratic
Co
Alma S. Adams
DDemocratic
Co
André Carson
DDemocratic
Co
Angie Craig
DDemocratic
Co
Bennie G. Thompson
DDemocratic
Co
Chrissy Houlahan
DDemocratic
Co
Cleo Fields
DDemocratic
Co
David Scott
DDemocratic
Co
Dina Titus
DDemocratic
Co
Donald G. Davis
DDemocratic
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