I 
119TH CONGRESS 
1ST SESSION H. R. 4680 
To require multifamily borrowers with federally backed multifamily mortgage 
loans to submit positive rental payments to certain consumer reporting 
agencies. 
IN THE HOUSE OF REPRESENTATIVES 
JULY 23, 2025 
Ms. JOHNSON of Texas introduced the following bill; which was referred to 
the Committee on Financial Services 
A BILL 
To require multifamily borrowers with federally backed multi-
family mortgage loans to submit positive rental payments 
to certain consumer reporting agencies. 
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 ‘‘Access to Homeowner-
ship Act’’. 
SEC. 2. POSITIVE RENTAL PAYMENTS. 
The Federal Housing Enterprises Financial Safety 
and Soundness Act of 1992 (12 U.S.C. 4541 et seq.) is 
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amended by inserting after section 1355 (12 U.S.C. 4602) 
the following: 
‘‘SEC. 1355A. POSITIVE RENTAL PAYMENTS. 
‘‘(a) DEFINITION.—In this section, the term ‘feder-
ally backed multifamily mortgage loan’ includes any loan 
(other than temporary financing such as a construction 
loan) that— 
‘‘(1) is secured by a first or subordinate lien on 
residential multifamily real property designed prin-
cipally for the occupancy of 5 or more families, in-
cluding any such secured loan, the proceeds of which 
are used to prepay or pay off an existing loan se-
cured by the same property; and 
‘‘(2) is made in whole or in part, or insured, 
guaranteed, supplemented, or assisted in any way, 
by any officer or agency of the Federal Government 
or under or in connection with a housing or urban 
development program administered by the Secretary 
of Housing and Urban Development or a housing or 
related program administered by any other such offi-
cer or agency, or is purchased or securitized by the 
Federal Home Loan Mortgage Corporation or the 
Federal National Mortgage Association. 
‘‘(b) AUTHORITY.— 
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‘‘(1) IN
GENERAL.—The Director shall, by 
order or regulation, require each enterprise to estab-
lish and maintain a program requiring multifamily 
borrowers with federally backed multifamily mort-
gage loans to request the consent of their residents 
to report the positive rent payments of the residents 
directly to each consumer reporting agency described 
in section 603(p) of the Fair Credit Reporting Act 
(15 U.S.C. 1681a(p)), including 24 months of prior 
positive rent payments (if available). 
‘‘(2) REQUIREMENTS.—Multifamily borrowers 
with federally backed multifamily mortgage loans 
shall report positive rent payments described in 
paragraph (1) if the resident consents to such re-
porting. 
‘‘(c) MORTGAGES.—Any positive rent payment made 
by a resident described in subsection (b) shall be consid-
ered in an application to insure a mortgage under section 
203 of the National Housing Act (12 U.S.C. 1709). 
‘‘(d) ADMINISTRATIVE COSTS.—The administrative 
costs associated with reporting positive rental payments 
shall be covered by the enterprises. 
‘‘(e) REPORT.—The Director shall submit to Con-
gress a report every 5 years on the programs established 
under this section. 
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‘‘(f) AUTHORIZATION OF APPROPRIATIONS.—There 
are authorized to be appropriated such sums as may be 
necessary to carry out this section.’’. 
Æ 
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