I 
111TH CONGRESS 
2D SESSION 
H. R. 4744 
To require, as a condition for purchase of a home mortgage loan by Fannie 
Mae or Freddie Mac, and insurance of a home mortgage loan under 
the National Housing Act, that the mortgagor be verified under the 
E-Verify program. 
IN THE HOUSE OF REPRESENTATIVES 
MARCH 3, 2010 
Mr. MARCHANT introduced the following bill; which was referred to the 
Committee on Financial Services 
A BILL 
To require, as a condition for purchase of a home mortgage 
loan by Fannie Mae or Freddie Mac, and insurance 
of a home mortgage loan under the National Housing 
Act, that the mortgagor be verified under the E-Verify 
program. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘E-Verify Loan Origina-
tion Act of 2010’’. 
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‘‘(C) For purposes of this paragraph, the term ‘sin-
gle-family housing mortgage’ means a mortgage that is 
secured by a 1- to 4-family residence.’’. 
(b) FREDDIE MAC.—Subsection (a) of section 305 of 
the Federal Home Loan Mortgage Corporation Act (12 
U.S.C. 1454(a)) is amended by adding at the end the fol-
lowing new paragraph: 
‘‘(6)(A) Notwithstanding any other provision of law, 
after the date of the enactment of the E-Verify Loan 
Origination Act of 2010, the Corporation may not pur-
chase any single-family housing mortgage unless the iden-
tity and work eligibility of the mortgagor under such mort-
gage has been confirmed by an inquiry under subpara-
graph (B). 
‘‘(B) An inquiry under this subparagraph is an in-
quiry made through the basic pilot program under section 
403(a) of the Illegal Immigration Reform and Immigrant 
Responsibility Act of 1996 (8 U.S.C. 1324a note; com-
monly referred to as the E-Verify program). Notwith-
standing any other provision of law, lenders for single- 
family housing mortgages and the Corporation may sub-
mit such inquiries regarding the identities and work eligi-
bility of mortgagors under such mortgages, and may be 
provided confirmations and nonconfirmations pursuant to 
such inquiries, under such basic pilot program. 
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‘‘(C) For purposes of this paragraph, the term ‘sin-
gle-family housing mortgage’ means a mortgage that is 
secured by a 1- to 4-family residence.’’. 
(c) FHA.—Title II of the National Housing Act (12 
U.S.C. 1707 et seq.) is amended by adding at the end 
the following new section: 
‘‘SEC. 543. E-VERIFICATION REQUIREMENT FOR MORTGA-
GORS. 
‘‘(a) PROHIBITION.—Notwithstanding any other pro-
vision of law, after the date of the enactment of the E- 
Verify Loan Origination Act of 2010, the Secretary may 
not newly insure any single-family housing mortgage un-
less the identity and work eligibility of the mortgagor 
under such mortgage has been confirmed by an inquiry 
under subsection (b). 
‘‘(b) E-VERIFY INQUIRIES.—An inquiry under this 
subsection is an inquiry made through the basic pilot pro-
gram under section 403(a) of the Illegal Immigration Re-
form and Immigrant Responsibility Act of 1996 (8 U.S.C. 
1324a note; commonly referred to as the E-Verify pro-
gram). Notwithstanding any other provision of law, lend-
ers for single-family housing mortgages and the Secretary 
may submit such inquiries regarding the identities and 
work eligibility of mortgagors under such mortgages, and 
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may be provided confirmations and nonconfirmations pur-
suant to such inquiries, under such basic pilot program. 
‘‘(c) SINGLE-FAMILY HOUSING MORTGAGE.—For 
purposes of this paragraph, the term ‘single-family hous-
ing mortgage’ means a mortgage that is secured by a 1- 
to 4-family residence.’’. 
Æ 
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