Congress·In Committee·H.J.Res. 163

Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to the withdrawal of the rule relating to "Application of Regulation Z's Ability-To-Repay Rule to Certain Situations Involving Successors-In-Interest".

Mortgage Rules: Blocking Changes for People Inheriting Homes

Apr 30·View on Congress.gov·Read full text

Next up: A house committee

This bill is in the early stages of the legislative process and was sent to the House Committee on Financial Services on April 29, 2026. The committee must review the bill before it can move forward, but no further action has occurred since its introduction. It is common for bills to remain in committee without a vote.

Legislative Progress

House

Senate

President

Law

Unlikely to pass

These resolutions to block agency rules rarely pass unless the same party controls both Congress and the White House, and they are often blocked by a veto.

Key Points

This resolution aims to stop a rule from the Consumer Financial Protection Bureau. The agency's rule changed how banks check if someone can afford a mortgage when they inherit a home or receive one through a divorce.
If this resolution passes, it would cancel the agency's recent changes. This affects people who take over a family member's mortgage after a death or a legal split.
The main issue is whether these new owners should have to prove they can pay back the loan just like a regular home buyer. This resolution seeks to keep the older standards in place to potentially make it easier for heirs to keep their homes.

Impact Analysis

Govbase has not yet run an impact analysis on this legislation.

Milestones

2 milestones2 actions

Apr 30, 2026House

Referred to the House Committee on Financial Services.

Apr 30, 2026

Introduced in House

The bill was officially filed and given a number. It now enters the legislative queue.

No votes, news coverage, or related bills recorded for this bill yet.

Source Information

Document Type

Congressional Bill

Official Title

Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to the withdrawal of the rule relating to "Application of Regulation Z's Ability-To-Repay Rule to Certain Situations Involving Successors-In-Interest".

Bill NumberHJRES 163

Congress119th Congress

ChamberHouse of Representatives

Latest ActionReferred to the House Committee on Financial Services.

Data Sources

Congress.gov

Official legislative information

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Analysis generated by AI. Always verify with official sources.