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BillHR 7282 · 119

FRAMER Act

Introduced
Jan 30, 2026
Cosponsors
2
Traction
0
Last Action
Jan 30, 2026

Bill Summary

Establishes new rules for the Federal Housing Administration (FHA) to manage its mortgage insurance funds, Requires the FHA to maintain a minimum capital ratio to reduce risk to taxpayers.

Sponsored By

Jeff Crank
Republican · Colorado · House

Bill Journey

  1. Jan 30, 2026
  3. Jan 30, 2026You Are Here

    The committee will review the bill, debate amendments, and vote on whether to advance it to the full chamber.

  4. TBD

    The full chamber debates the bill, may amend it, and votes on whether to pass it.

  5. TBD

    If passed by the first chamber, the other chamber considers, may amend, and votes on the bill.

  6. TBD

    If passed by both chambers, the bill goes to the President to sign into law or veto.

Why It Matters

Affects homeowners and buyers who rely on FHA mortgage insurance, as well as taxpayers who could be impacted by potential losses if the FHA's funds are not managed properly.

Impact Areas

Sample
Addresses Supply
Targets an underlying shortage driving costs.
Supports Families
Aimed at easing pressure on working households.
Long-term Impact
Effects compound across multiple budget cycles.
Expands Access
Lowers barriers for first-time participants.

Support & Opposition

Sponsor & cosponsor support by party
3backers
  • Republican3
Cross-party cosponsors0 · 0%

Documents

1

Full text opens on congress.gov, the official source.

Cosponsors (2)

Bill Details

Bill TypeHouse Bill · Federal
Primary TopicHousing
CommitteeCommittee on Financial Services
IntroducedJan 30, 2026
Last UpdatedJan 30, 2026
Latest ActionReferred to the House Committee on Financial Services.
Subjects
  • Housing

Summary and impact analysis written by Judy (KnowGov's enrichment AI). Bill metadata, status, sponsor, and any floor votes from Prism. Sections marked “Sample” are placeholders not yet connected to live data.