Introduced
H. R. 9459
Introduced in House · July 1, 2026June 25, 2026
Mr. Fitzgerald introduced the following bill; which was referred to the Committee on Financial Services
A BILL
To amend the Truth in Lending Act to modernize disclosure requirements, establish materiality standards and safe harbors for mortgage disclosures, simplify waiting period requirements, expand tolerances for annual percentage rate accuracy, and for other purposes.
Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled,
SECTION 1. Short title.
This Act may be cited as the “Home Affordability Through Mortgage Simplification Act”.