Housing Financial Literacy Act of 2026

Introduced

In Committee

Floor

Crossed Over

Passed

Enacted

Overview Bill text 1 History 2 Sponsors

Introduced in Senate Jun 23, 2026 · 336 words Open full page ↗

119TH CONGRESS

2D SESSION

S. 4861

To require the Secretary of Housing and Urban Development to discount

FHA single-family mortgage insurance premium payments for first-time

homebuyers who complete a financial literacy housing counseling pro-

gram.

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PASSAGE PROBABILITY

1% Unlikely

Why this number

Stage base Introduced — base rate 2%, measured from US's completed sessions
Momentum -7 17/100 from the pace of recorded action
Time since last action -15 111 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.