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H.R. 6125

U.S. House•In House Committee

Summary

H.R. 6125, the Housing Financial Literacy Act of 2025, was introduced in the House on Nov 19, 2025 by Rep. Joyce Beatty (D) with 33 co-sponsors. It was referred to Financial Services, and last saw action on Nov 19, 2025: Referred to the House Committee on Financial Services.

Record

Text

H.R. 6125 has 33 co-sponsors.

hb6125/introduced-in-house.txt
119 HR 6125 IH: Housing Financial Literacy Act of 2025
 U.S. House of Representatives
 2025-11-19
 text/xml
 EN
 Pursuant to Title 17 Section 105 of the United States Code, this file is not subject to copyright protection and is in the public domain.
 I  119th CONGRESS  1st Session  H. R. 6125  IN THE HOUSE OF REPRESENTATIVES   November 19, 2025   Mrs. Beatty  (for herself,  Mr. Carey ,  Ms. Adams ,  Mr. Bishop ,  Mr. Carson ,  Mr. Case ,  Ms. Clarke of New York ,  Mr. Cleaver ,  Mr. Cohen ,  Ms. Craig ,  Mr. Davis of North Carolina ,  Mr. Evans of Pennsylvania ,  Mr. Fields ,  Mrs. Hayes ,  Mr. Johnson of Georgia ,  Ms. Johnson of Texas ,  Ms. Kelly of Illinois ,  Mr. Krishnamoorthi ,  Mr. Mannion ,  Ms. McBride ,  Mr. Meeks ,  Ms. Moore of Wisconsin ,  Mr. Mullin ,  Ms. Norton ,  Mr. David Scott of Georgia ,  Mr. Smith of Washington ,  Mr. Thanedar ,  Mr. Thompson of Mississippi , and  Ms. Tokuda ) introduced the following bill; which was referred to the  Committee on Financial Services    A BILL
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 program.
1.
Short title
This Act may be cited as the   Housing Financial Literacy Act of 2025  .
2.
Discount on mortgage insurance premium payments for first-time homebuyers who complete financial literacy housing counseling programs
The second sentence of subparagraph (A) of section 203(c)(2) of the National Housing Act ( 12 U.S.C. 1709(c)(2)(A) ) is amended—
(1)
by inserting before the comma the following:  and such program is completed before the mortgagor has signed an application for a mortgage to be insured under this title or a sales agreement ; and
(2)
by striking  not exceed 2.75 percent of the amount of the original insured principal obligation of the mortgage  and inserting  be 25 basis points lower than the premium payment amount established by the Secretary under the first sentence of this subparagraph .

Tracker

The tracker indicates the progress of this legislation as it moves through the legislative process.

  1. Introduced2025-11-19
  2. Passed House
  3. Passed Senate
  4. Conference
  5. To President
  6. Became Law

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 program.

Sponsors

Rep. Joyce Beatty (D) sponsors H.R. 6125, and 33 members have co-sponsored it, 28 of them from the day it was introduced.

Committees

H.R. 6125 went before 1 committee: Financial Services.

Financial Services
Financial Services
Referred To · Nov 19, 2025 · 559 Bills

Actions

H.R. 6125 has taken 2 actions since Nov 19, 2025.

ChamberAction
Nov 19, 2025
House
Introduced in House
Nov 19, 2025
House
Referred to the House Committee on Financial Services.Financial Services Committee

Votes

H.R. 6125 has not gone to a roll call.

1 bill is related to H.R. 6125.

Titles

H.R. 6125 goes by 3 titles, 1 of them short titles.

  • Housing Financial Literacy Act of 2025 — Display Title
  • Housing Financial Literacy Act of 2025 — Short Title(s) as Introduced
  • 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 program. — Official Title as Introduced

Classification

The Congressional Research Service files H.R. 6125 under Finance and Financial Sector, one of its 31 policy areas.

CRS Subjects

CRS assigns every bill one policy area from its 31; H.R. 6125’s is Finance and Financial Sector.

hr6125/policy-areas.txt
Finance and Financial SectorAgriculture and FoodAnimalsArmed Forces and National SecurityArts, Culture, ReligionCivil Rights and Liberties, Minority IssuesCommerceCongressCrime and Law EnforcementEconomics and Public FinanceEducationEmergency ManagementEnergyEnvironmental ProtectionFamiliesForeign Trade and International FinanceGovernment Operations and PoliticsHealthHousing and Community DevelopmentImmigrationInternational AffairsLabor and EmploymentLawNative AmericansPublic Lands and Natural ResourcesScience, Technology, CommunicationsSocial WelfareSports and RecreationTaxationTransportation and Public WorksWater Resources Development

Constitutional authority

The clause the sponsor cites as Congress’s power to enact H.R. 6125, as entered in the Congressional Record.

[Congressional Record Volume 171, Number 195 (Wednesday, November 19, 2025)][House]From the Congressional Record Online through the Government Publishing Office [www.gpo.gov]By Mrs. BEATTY:H.R. 6125.Congress has the power to enact this legislation pursuantto the following:Article I, Section 8, Clause 3 of the United StatesConstitution[Page H4817]

Source: congress.gov · legiscan.com