I 
118TH CONGRESS 
1ST SESSION H. R. 2397 
To clarify that eligibility of certain mortgages with Federal credit enhance-
ment may not be conditioned on the status of a mortgagor as a DACA 
recipient if all other eligibility criteria are satisfied, and for other pur-
poses. 
IN THE HOUSE OF REPRESENTATIVES 
MARCH 29, 2023 
Mr. VARGAS (for himself, Mr. AGUILAR, and Ms. GARCIA of Texas) introduced 
the following bill; which was referred to the Committee on Financial Services 
A BILL 
To clarify that eligibility of certain mortgages with Federal 
credit enhancement may not be conditioned on the status 
of a mortgagor as a DACA recipient if all other eligibility 
criteria are satisfied, and for other purposes. 
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 ‘‘Homeownership for 
DREAMers Act’’. 
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SEC. 2. DACA RECIPIENT ELIGIBILITY. 
(a) FHA.—Section 203 of the National Housing Act 
(12 U.S.C. 1709) is amended by inserting after subsection 
(h) the following: 
‘‘(i) DACA RECIPIENT ELIGIBILITY.— 
‘‘(1) IN GENERAL.—The Secretary may not— 
‘‘(A) prescribe terms that limit the eligi-
bility of a single family mortgage for insurance 
under this title because of the status of the 
mortgagor as a DACA recipient; or 
‘‘(B) issue any limited denial of participa-
tion in the program for such insurance because 
of the status of the mortgagor as a DACA re-
cipient. 
‘‘(2) DACA RECIPIENT
DEFINED.—For the 
purposes of this subsection, the term ‘DACA recipi-
ent’ means an alien who, at any time before, on, or 
after the date of the enactment of this subsection, 
is or was in deferred action status pursuant to the 
Deferred Action for Childhood Arrivals (‘DACA’) 
Program announced by the Secretary of Homeland 
Security on June 15, 2012. 
‘‘(3) EXEMPTION.— 
‘‘(A) DENIAL
FOR
FAILURE
TO
SATISFY 
VALID
ELIGIBILITY
REQUIREMENTS.—Nothing 
in this title prohibits the denial of insurance 
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based on failure to satisfy valid eligibility re-
quirements. 
‘‘(B) 
INVALID
ELIGIBILITY
REQUIRE-
MENTS.—Valid eligibility requirements do not 
include criteria that were adopted with the pur-
pose of denying eligibility for insurance because 
of race, color, religion, sex, familial status, na-
tional origin, disability, or the status of a mort-
gagor as a DACA recipient.’’. 
(b) RURAL HOUSING SERVICE.—Section 501 of the 
Housing Act of 1949 (42 U.S.C. 1472) is amended by 
adding at the end the following: 
‘‘(k) DACA RECIPIENT ELIGIBILITY.— 
‘‘(1) IN
GENERAL.—The Secretary may not 
prescribe terms that limit eligibility for a single fam-
ily mortgage made, insured, or guaranteed under 
this title because of the status of the mortgagor as 
a DACA recipient. 
‘‘(2) DACA RECIPIENT
DEFINED.—For the 
purposes of this paragraph, the term ‘DACA recipi-
ent’ means an alien who, at any time before, on, or 
after the date of the enactment of this paragraph, 
is or was in deferred action status pursuant to the 
Deferred Action for Childhood Arrivals (‘DACA’) 
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Program announced by the Secretary of Homeland 
Security on June 15, 2012.’’. 
(c) FANNIE MAE.—Section 302(b) of the National 
Housing Act (12 U.S.C. 1717(b)) is amended by adding 
at the end the following: 
‘‘(8) DACA RECIPIENT ELIGIBILITY.— 
‘‘(A) IN GENERAL.—The corporation may 
not condition purchase of a single-family resi-
dence mortgage by the corporation under this 
subsection on the status of the borrower as a 
DACA recipient. 
‘‘(B) DACA RECIPIENT
DEFINED.—For 
the purposes of this paragraph, the term 
‘DACA recipient’ means an alien who, at any 
time before, on, or after the date of the enact-
ment of this paragraph, is or was in deferred 
action status pursuant to the Deferred Action 
for Childhood Arrivals (‘DACA’) Program an-
nounced by the Secretary of Homeland Security 
on June 15, 2012.’’. 
(d) FREDDIE MAC.—Section 305(a) of the Federal 
Home Loan Mortgage Corporation Act (12 U.S.C. 1454) 
is amended by adding at the end the following: 
‘‘(6) DACA RECIPIENT ELIGIBILITY.— 
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‘‘(A) IN GENERAL.—The Corporation may 
not condition purchase of a single-family resi-
dence mortgage by the corporation under this 
subsection on the status of the borrower as a 
DACA recipient. 
‘‘(B) DACA RECIPIENT
DEFINED.—For 
the purposes of this subsection, the term 
‘DACA recipient’ means an alien who, at any 
time before, on, or after the date of the enact-
ment of this subsection, is or was in deferred 
action status pursuant to the Deferred Action 
for Childhood Arrivals (‘DACA’) Program an-
nounced by the Secretary of Homeland Security 
on June 15, 2012.’’. 
Æ 
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