Home Affordability Through Mortgage Simplification Act

Introduced

In Committee

Floor

Crossed Over

Passed

Enacted

Overview Bill text 1 History 2 Sponsors

Introduced in House Jun 25, 2026 · 1.5K words Open full page ↗

119TH CONGRESS

2D SESSION

H. R. 9459

To amend the Truth in Lending Act to modernize disclosure requirements,

establish materiality standards and safe harbors for mortgage disclosures,

simplify waiting period requirements, expand tolerances for annual per-

centage rate accuracy, and for other purposes.

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PASSAGE PROBABILITY

1% Unlikely

Why this number

Stage base In Committee — base rate 2%, measured from US's completed sessions
Momentum -5 27/100 from the pace of recorded action
Time since last action -14 109 days quiet

A transparent scoring model over stage, momentum, recency, sponsorship and recorded votes — not a trained predictor. Treat it as a way to rank attention, not as a forecast.