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H.R. 2226 (115th): Portfolio Lending and Mortgage Access Act

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About the bill

Source: Republican Policy Committee

H.R. 2226 extends the “Qualified Mortgage” safe harbor for loans held in portfolio by certain depository institutions with less than $10 billion in assets. The legislation also imposes additional requirements for safe harbor treatment: loans cannot have negative amortization, interest-only features, and would need to comply with limits on prepayment penalties. Finally, H.R. 2226 requires that the creditor must document and continually verify a consumer's income, employment, assets, and credit history.

The Dodd-Frank Wall Street Reform and Consumer Protection Act significantly changed residential mortgage underwriting standards by creating an enhanced Ability-to-Repay requirement, in an attempt to ensure that a lender takes into account the borrower's capacity to pay back the mortgage prior to consummation of the loan.

The Dodd-Frank Act also created a statutory category of mortgages known as "qualified …

Sponsor and status

Garland “Andy” Barr

Sponsor. Representative for Kentucky's 6th congressional district. Republican.

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Last Updated: Mar 7, 2018
Length: 6 pages
Apr 28, 2017
115th Congress (2017–2019)
Died in a previous Congress

This bill was introduced in a previous session of Congress and was passed by the House on March 6, 2018 but was never passed by the Senate.

Although this bill was not enacted, its provisions could have become law by being included in another bill. It is common for legislative text to be introduced concurrently in multiple bills (called companion bills), re-introduced in subsequent sessions of Congress in new bills, or added to larger bills (sometimes called omnibus bills).


40 Cosponsors (39 Republicans, 1 Democrat)


Position statements

What legislators are saying

House Passes Pro-Growth Financial Regulatory Relief Package
    — Rep. Garland “Andy” Barr [R-KY6] (Sponsor) on May 22, 2018

Hultgren Cosponsors Legislation in Support of Community Banks and Credit Unions
    — Rep. Randy Hultgren [R-IL14, 2011-2018] (Co-sponsor) on Aug 22, 2017

THIS WEEK IN CONGRESS - US Workforce Act gets okay
    — Rep. Gregorio Sablan [D-MP] on Mar 12, 2018

More statements at ProPublica Represent...

What stakeholders are saying

R Street Institute estimates H.R. 2226 will add $1 million in new spending.


Apr 28, 2017

Bills and resolutions are referred to committees which debate the bill before possibly sending it on to the whole chamber.

Jan 17, 2018
Considered by House Committee on Financial Services

A committee held a hearing or business meeting about the bill.

Jan 18, 2018
Ordered Reported

A committee has voted to issue a report to the full chamber recommending that the bill be considered further. Only about 1 in 4 bills are reported out of committee.

Feb 23, 2018
Reported by House Committee on Financial Services

A committee issued a report on the bill, which often provides helpful explanatory background on the issue addressed by the bill and the bill's intentions.

Mar 6, 2018
Passed House (Senate next)

The bill was passed in a vote in the House. It goes to the Senate next. The vote was by voice vote so no record of individual votes was made.

H.R. 2226 (115th) was a bill in the United States Congress.

A bill must be passed by both the House and Senate in identical form and then be signed by the President to become law.

Bills numbers restart every two years. That means there are other bills with the number H.R. 2226. This is the one from the 115th Congress.

This bill was introduced in the 115th Congress, which met from Jan 3, 2017 to Jan 3, 2019. Legislation not passed by the end of a Congress is cleared from the books.

How to cite this information.

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“H.R. 2226 — 115th Congress: Portfolio Lending and Mortgage Access Act.” 2017. March 21, 2023 <>

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