{ "legislationId": "119_HR_6774", "lastUpdate": "2026-04-22T11:15:47.200Z", "history": [ { "timestamp": "2026-04-22T11:15:47.200Z", "source_url": "https://www.congress.gov/119/bills/hr6774/BILLS-119hr6774ih.htm", "model": "gemini-flash-lite-latest", "prompt_sent": "\nROLE: Fact Checker.\nZADANIE: Porównaj SOURCE (oryginał) i SUMMARY (streszczenie przygotowane przez inne AI).\n\nTwoim celem jest wykrycie \"ZMYŚLONYCH KONKRETÓW\" (Fabricated Entities) w SUMMARY.\n\nSOURCE:\n[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.R. 6774 Introduced in House (IH)] 119th CONGRESS 1st Session H. R. 6774 To authorize the Secretary of Housing and Urban Development, acting through the Federal Housing Commissioner, to establish a pilot program to increase access to small-dollar mortgages, and for other purposes. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES December 17, 2025 Ms. Waters introduced the following bill; which was referred to the Committee on Financial Services _______________________________________________________________________ A BILL To authorize the Secretary of Housing and Urban Development, acting through the Federal Housing Commissioner, to establish a pilot program to increase access to small-dollar mortgages, 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 ``FHA Small-Dollar Mortgages Act''. SEC. 2. FHA SMALL-DOLLAR MORTGAGES. (a) In General.--Not later than 1 year after the date of the enactment of this section, the Secretary of Housing and Urban Development, acting through the Federal Housing Commissioner, may establish a pilot program to increase access to small-dollar mortgages for mortgagors which may include-- (1) authorizing direct payments to mortgagees to incentivize the origination of small-dollar mortgages; (2) adjusting terms and costs imposed by the Federal Housing Administration with respect to small-dollar mortgages; (3) providing direct grants for mortgagors who obtain small-dollar mortgages to cover costs associated with-- (A) down payments; (B) closing costs; (C) appraisals; and (D) title insurance; (4) conducting outreach to potential mortgagors about the availability of small-dollar mortgages; and (5) providing technical assistance for mortgagees that originate small-dollar mortgages. (b) Report.--Beginning not later than 1 year after the establishment of the pilot program under subsection (a) and ending 1 year after the sunset of the pilot program, the Federal Housing Commissioner shall submit to the Congress an annual report that-- (1) tracks and evaluates the outcomes of small-dollar mortgages originated by mortgagees as a result of support provided under subsection (a); (2) analyzes risks of the pilot program to the solvency of the Mutual Mortgage Insurance Fund; (3) includes data with respect to-- (A) the number of small-dollar mortgages originated in the 10-year period preceding the date of the enactment of this section, including small-dollar mortgages insured or guaranteed by the Federal Government and small-dollar mortgages not insured by the Federal Government; (B) the original principal balance of each small- dollar mortgage identified under subparagraph (A); (C) demographic information about the mortgagors associated with each such small-dollar mortgage; and (D) the number and type of mortgagees that offer small-dollar mortgages; (4) provides a description of the fixed costs that are associated with mortgages and the impact of such costs on the ability of lenders to earn a market rate return on small-dollar mortgages; and (5) includes analysis, by regions of the United States, including rural regions, that identifies regions with the greatest need for, and the highest likelihood of, the origination of small-dollar mortgages and regions that could benefit the most from increased availability of small-dollar mortgages. (c) Sunset.--The pilot program established under subsection (a) shall terminate on the date that is 4 years after the date on which the pilot program is established under subsection (a). (d) Expiration of Authority.--After the expiration of the 3-year period beginning on the date of enactment of this section, neither the Federal Housing Commissioner nor the Secretary of Housing and Urban Development may newly establish a pilot program to increase access to small-dollar mortgages for mortgagors. (e) Small-Dollar Mortgage Defined.--The term ``small-dollar mortgage'' means a mortgage that-- (1) has an original principal balance of $100,000 or less; and (2) is secured by a 1- to 4-unit property that is the principal residence of the mortgagor. \n\nSUMMARY TO EVALUATE:\nTitle: New pilot program to increase access to small-dollar home mortgages\nSummary: This act creates a pilot program to help people get mortgages for $100,000 or less for their primary homes. It offers grants for down payments and closing costs to make homeownership more affordable.\nKey Points: Mortgages limited to $100,000 or less for primary residences with 1 to 4 units., Direct grants for borrowers to cover down payments, appraisals, and closing costs., Financial incentives for lenders to encourage them to offer smaller mortgage loans., The pilot program will run for four years and include annual reports on its success.\n\nZASADY OCENY:\n1. Sprawdź wszystkie LICZBY, DATY i KWOTY w SUMMARY. Jeśli którejś brakuje w SOURCE -> is_valid: false.\n2. Sprawdź wszystkie NAZWISKA, ORGANIZACJE i MIEJSCA w SUMMARY. Jeśli którejś brakuje w SOURCE -> is_valid: false.\n3. Sprawdź wszystkie konkretne DZIAŁANIA PRAWNE . Jeśli tego mechanizmu nie ma w SOURCE -> is_valid: false.\n\nWAŻNE: Abstrakcyjne pojęcia (np. \"transparentność\", \"zaufanie\") są dozwolone jako wnioski.\n\nOUTPUT (JSON):\n{\n \"is_valid\": true/false,\n \"issue\": \"fabricated_entity\" / \"contradiction\" / \"none\"\n}\n\nWYMAGANIA FORMATOWANIA:\n1. Odpowiedz WYŁĄCZNIE surowym obiektem JSON.\n2. NIE używaj bloków kodu Markdown.\n3. NIE dodawaj żadnych wstępów ani wyjaśnień przed ani po JSONie.\n4. JSON musi być poprawny i gotowy do parsowania.\n\n", "ai_response_raw": "{\n \"is_valid\": true,\n \"issue\": \"none\"\n}" }, { "timestamp": "2026-04-22T11:11:33.219Z", "source_url": "https://www.congress.gov/119/bills/hr6774/BILLS-119hr6774ih.htm", "model": "gemini-flash-latest", "prompt_sent": "\nJesteś ekspertem od prawa Stanów Zjednoczonych, który ma za zadanie analizować dokumenty ustaw, uchwał oraz innych dokumentów legislacyjnych, a następnie przygotowywać z nich informacje w przystępny sposób dla obywateli. Twoim celem jest przedstawienie informacji tak, aby obywatele mogli sami ocenić wpływ legislacji na ich życie, nawet bez posiadania specjalistycznej wiedzy legislacyjnej. Skup się na faktach i obiektywnych skutkach wprowadzanych zmian, unikając wartościowania i osobistych opinii. Wszelki żargon prawny jest zabroniony. Prezentuj informacje w jasny, zwięzły i angażujący sposób, tak aby były zrozumiałe dla osoby bez wykształcenia prawniczego. Unikaj długich, złożonych zdań. Zamiast pisać \"projekt ma na celu nowelizację kodeksu podatkowego...\", napisz \"Zmiany w podatkach: nowe ulgi i obowiązki dla...\". Kontynuuj swoją pracę, dopóki nie rozwiążesz swojego zadania. Jeśli nie masz pewności co do generowanej treści, przeanalizuj dokument ponownie – nie zgaduj. Rozplanuj dobrze swoje zadanie przed przystąpieniem do niego. W podsumowaniu i kluczowych punktach, jeśli to możliwe i uzasadnione, podkreśl, jakie konkretne korzyści lub skutki (pozytywne lub negatywne) wprowadza ustawa dla życia codziennego obywateli, ich praw i obowiązków, finansów osobistych, bezpieczeństwa i innych ważnych kwestii (np. kategorycznych zakazów i nakazów czy najważniejszych konkretnych alokacji finansowych i terytorialnych).\n\nTwoja odpowiedź MUSI być w formacie JSON - i zawierać następujące klucze.\nZanim zwrócisz odpowiedź, dokładnie zweryfikuj, czy cała struktura JSON jest w 100% poprawna, włącznie ze wszystkimi przecinkami, nawiasami klamrowymi, kwadratowymi oraz cudzysłowami. Błędny JSON jest nieakceptowalny i uniemożliwi przetworzenie Twojej pracy.\n\nPrzeanalizuj dokładnie poniższy tekst dokumentu prawnego. To jest treść, na podstawie której masz wygenerować podsumowanie i kluczowe punkty:\n--- POCZĄTEK DOKUMENTU ---\n[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.R. 6774 Introduced in House (IH)] 119th CONGRESS 1st Session H. R. 6774 To authorize the Secretary of Housing and Urban Development, acting through the Federal Housing Commissioner, to establish a pilot program to increase access to small-dollar mortgages, and for other purposes. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES December 17, 2025 Ms. Waters introduced the following bill; which was referred to the Committee on Financial Services _______________________________________________________________________ A BILL To authorize the Secretary of Housing and Urban Development, acting through the Federal Housing Commissioner, to establish a pilot program to increase access to small-dollar mortgages, 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 ``FHA Small-Dollar Mortgages Act''. SEC. 2. FHA SMALL-DOLLAR MORTGAGES. (a) In General.--Not later than 1 year after the date of the enactment of this section, the Secretary of Housing and Urban Development, acting through the Federal Housing Commissioner, may establish a pilot program to increase access to small-dollar mortgages for mortgagors which may include-- (1) authorizing direct payments to mortgagees to incentivize the origination of small-dollar mortgages; (2) adjusting terms and costs imposed by the Federal Housing Administration with respect to small-dollar mortgages; (3) providing direct grants for mortgagors who obtain small-dollar mortgages to cover costs associated with-- (A) down payments; (B) closing costs; (C) appraisals; and (D) title insurance; (4) conducting outreach to potential mortgagors about the availability of small-dollar mortgages; and (5) providing technical assistance for mortgagees that originate small-dollar mortgages. (b) Report.--Beginning not later than 1 year after the establishment of the pilot program under subsection (a) and ending 1 year after the sunset of the pilot program, the Federal Housing Commissioner shall submit to the Congress an annual report that-- (1) tracks and evaluates the outcomes of small-dollar mortgages originated by mortgagees as a result of support provided under subsection (a); (2) analyzes risks of the pilot program to the solvency of the Mutual Mortgage Insurance Fund; (3) includes data with respect to-- (A) the number of small-dollar mortgages originated in the 10-year period preceding the date of the enactment of this section, including small-dollar mortgages insured or guaranteed by the Federal Government and small-dollar mortgages not insured by the Federal Government; (B) the original principal balance of each small- dollar mortgage identified under subparagraph (A); (C) demographic information about the mortgagors associated with each such small-dollar mortgage; and (D) the number and type of mortgagees that offer small-dollar mortgages; (4) provides a description of the fixed costs that are associated with mortgages and the impact of such costs on the ability of lenders to earn a market rate return on small-dollar mortgages; and (5) includes analysis, by regions of the United States, including rural regions, that identifies regions with the greatest need for, and the highest likelihood of, the origination of small-dollar mortgages and regions that could benefit the most from increased availability of small-dollar mortgages. (c) Sunset.--The pilot program established under subsection (a) shall terminate on the date that is 4 years after the date on which the pilot program is established under subsection (a). (d) Expiration of Authority.--After the expiration of the 3-year period beginning on the date of enactment of this section, neither the Federal Housing Commissioner nor the Secretary of Housing and Urban Development may newly establish a pilot program to increase access to small-dollar mortgages for mortgagors. (e) Small-Dollar Mortgage Defined.--The term ``small-dollar mortgage'' means a mortgage that-- (1) has an original principal balance of $100,000 or less; and (2) is secured by a 1- to 4-unit property that is the principal residence of the mortgagor. \n--- KONIEC DOKUMENTU ---\n\nPAMIĘTAJ: Twoja odpowiedź MUSI być wyłącznie poprawnym obiektem JSON. Nie dodawaj żadnych dodatkowych znaków, komentarzy ani tekstu przed znacznikiem '{' ani po znaczniku '}'. Cała odpowiedź musi być parsowalna jako JSON.\nNa podstawie POWYŻSZEGO dokumentu, wypełnij poniższą strukturę JSON:\nOto struktura JSON, której oczekuję (wypełnij ją treścią):\n{\n \"pl_ai_title\": \"Nowy, krótki tytuł dla aktu prawnego po polsku, oddający sedno wprowadzanych zmian (np. maksymalnie 10-12 słów).\",\n \"pl_summary\": \"2-3 zdania zwięzłego podsumowania treści aktu prawnego po polsku, napisane z perspektywy wpływu na życie codzienne obywateli.\",\n \"pl_key_points\": [\n \"Pierwszy krótki punkt po polsku dotyczący najważniejszych wprowadzanych rozwiązań lub zmian.\",\n \"Drugi krótki punkt po polsku...\"\n ],\n \"eng_ai_title\": \"A new, short title for the legal act in English, capturing the essence of the changes (e.g., max 10-12 words).\",\n \"eng_summary\": \"2-3 sentences summarizing the legal act in English, from the perspective of its impact on citizens' daily lives.\",\n \"eng_key_points\": [\n \"First short bullet point in English regarding the most important solutions or changes being introduced.\",\n \"Second short bullet point in English...\"\n ],\n \"de_ai_title\": \"Ein neuer, kurzer Titel für das Rechtsdokument auf Deutsch, der den Kern der Änderungen erfasst (z.B. max. 10-12 Wörter).\",\n \"de_summary\": \"2-3 Sätze Zusammenfassung des Rechtsdokuments auf Deutsch, aus der Perspektive seiner Auswirkungen auf das tägliche Leben der Bürger.\",\n \"de_key_points\": [\n \"Erster kurzer Stichpunkt auf Deutsch zu den wichtigsten eingeführten Lösungen oder Änderungen.\",\n \"Zweiter kurzer Stichpunkt auf Deutsch...\"\n ],\n \"fr_ai_title\": \"Un nouveau titre court pour l'acte juridique en français, saisissant l'essence des changements (par exemple, 10-12 mots maximum).\",\n \"fr_summary\": \"Résumé de 2-3 phrases de l'acte juridique en français, du point de vue de son impact sur la vie quotidienne des citoyens.\",\n \"fr_key_points\": [\n \"Premier court point en français concernant les solutions ou changements les plus importants introduits.\",\n \"Deuxième court point en français...\"\n ],\n \"es_ai_title\": \"Un nuevo título breve para el acto jurídico en español, que recoja la esencia de los cambios (por ejemplo, máximo 10-12 palabras).\",\n \"es_summary\": \"Resumen de 2-3 frases del acto jurídico en español, desde la perspectiva de su impacto en la vida cotidiana de los ciudadanos.\",\n \"es_key_points\": [\n \"Primer punto breve en español sobre las soluciones o cambios más importantes que se introducen.\",\n \"Segundo punto breve en español...\"\n ],\n \"it_ai_title\": \"Un nuovo titolo breve per l'atto giuridico in italiano, che colga l'essenza delle modifiche (ad es. massimo 10-12 parole).\",\n \"it_summary\": \"Riepilogo di 2-3 frasi dell'atto giuridico in italiano, dal punto di vista del suo impatto sulla vita quotidiana dei cittadini.\",\n \"it_key_points\": [\n \"Primo breve punto in italiano riguardante le soluzioni o le modifiche più importanti introdotte.\",\n \"Secondo breve punto in italiano...\"\n ],\n \"nl_ai_title\": \"Een nieuwe, korte titel voor de rechtshandeling in het Nederlands, die de essentie van de wijzigingen weergeeft (bijv. max. 10-12 woorden).\",\n \"nl_summary\": \"Samenvatting van 2-3 zinnen van de rechtshandeling in het Nederlands, vanuit het perspectief van de impact op het dagelijks leven van burgers.\",\n \"nl_key_points\": [\n \"Eerste korte punt in het Nederlands betreffende de belangrijkste geïntroduceerde oplossingen of wijzigingen.\",\n \"Tweede korte punt in het Nederlands...\"\n ],\n \"pt_ai_title\": \"Um novo título curto para o ato jurídico em português, capturando a essência das mudanças (por exemplo, máx. 10-12 palavras).\",\n \"pt_summary\": \"Resumo de 2-3 frases do ato jurídico em português, na perspetiva do seu impacto na vida quotidiana dos cidadãos.\",\n \"pt_key_points\": [\n \"Primeiro ponto curto em português sobre as soluções ou alterações mais importantes introduzidas.\",\n \"Segundo ponto curto em português...\"\n ],\n \"category\": [\"Categorize the document into one category by default, based on the field it primarily concerns. Choose up to 3 if the document also touches upon SIGNIFICANT issues from other categories. You MUST select categories ONLY from the following list: Health, Education, Family, Taxes, Labor, Security, Environment, Courts and Law, Transport, Benefits, Real Estate, Media and Culture, Local Government, Migration, Agriculture, Public Investments, Informatization, Economy. If the document does not definitively fit any of these, you MUST use \"Other\". If you use \"Other\", it should be the ONLY category selected. Do NOT invent new categories. The response must be an array of strings, e.g., [\"Taxes\", \"Family\"].\"]\n}\n\n", "ai_response_raw": "{\n \"pl_ai_title\": \"Program ułatwiający uzyskanie kredytów hipotecznych na małe kwoty do 100 000 USD\",\n \"pl_summary\": \"Ustawa wprowadza program pilotażowy, który ułatwi zakup tańszych domów poprzez wsparcie finansowe przy kredytach do 100 000 dolarów. Obywatele będą mogli otrzymać dotacje na wkład własny i koszty formalne, co zwiększy dostępność mieszkań.\",\n \"pl_key_points\": [\n \"Kredyty do 100 000 USD na domy mieszkalne (1-4 lokale) będące głównym miejscem zamieszkania.\",\n \"Bezpośrednie dotacje dla kupujących na pokrycie wkładu własnego, kosztów zamknięcia kredytu, wyceny i ubezpieczenia tytułu.\",\n \"Zachęty finansowe dla banków, aby chętniej udzielały pożyczek na małe kwoty.\",\n \"Program pilotażowy potrwa 4 lata i będzie monitorowany pod kątem skuteczności i ryzyka.\"\n ],\n \"eng_ai_title\": \"New pilot program to increase access to small-dollar home mortgages\",\n \"eng_summary\": \"This act creates a pilot program to help people get mortgages for $100,000 or less for their primary homes. It offers grants for down payments and closing costs to make homeownership more affordable.\",\n \"eng_key_points\": [\n \"Mortgages limited to $100,000 or less for primary residences with 1 to 4 units.\",\n \"Direct grants for borrowers to cover down payments, appraisals, and closing costs.\",\n \"Financial incentives for lenders to encourage them to offer smaller mortgage loans.\",\n \"The pilot program will run for four years and include annual reports on its success.\"\n ],\n \"de_ai_title\": \"Pilotprogramm für Kleinhypotheken zur Förderung von Wohneigentum bis 100.000 USD\",\n \"de_summary\": \"Dieses Gesetz führt ein Pilotprogramm ein, das den Zugang zu Hypotheken unter 100.000 USD erleichtert. Bürger können Zuschüsse für Anzahlungen und Abschlusskosten erhalten, um den Kauf kleinerer Häuser zu ermöglichen.\",\n \"de_key_points\": [\n \"Hypotheken bis maximal 100.000 USD für den Hauptwohnsitz (1 bis 4 Wohneinheiten).\",\n \"Direkte Zuschüsse für Käufer zur Deckung von Anzahlungen, Gutachten und Abschlusskosten.\",\n \"Finanzielle Anreize für Banken, um die Vergabe von Kleinkrediten attraktiver zu machen.\",\n \"Das Programm ist auf vier Jahre befristet und wird jährlich evaluiert.\"\n ],\n \"fr_ai_title\": \"Programme pilote pour faciliter l'accès aux petits prêts immobiliers\",\n \"fr_summary\": \"Cette loi crée un programme pilote pour aider les citoyens à obtenir des prêts immobiliers de 100 000 $ ou moins. Elle prévoit des subventions pour l'apport personnel et les frais de clôture afin de faciliter l'achat d'un logement.\",\n \"fr_key_points\": [\n \"Prêts limités à 100 000 $ pour une résidence principale de 1 à 4 logements.\",\n \"Subventions directes pour l'acompte, l'expertise et les frais de clôture du prêt.\",\n \"Incitations financières pour les banques afin d'encourager l'offre de petits crédits.\",\n \"Le programme durera quatre ans avec un suivi régulier des résultats.\"\n ],\n \"es_ai_title\": \"Programa piloto para facilitar hipotecas de bajo monto hasta 100,000 USD\",\n \"es_summary\": \"Esta ley establece un programa para facilitar la obtención de hipotecas de 100,000 dólares o menos para viviendas principales. Ofrece ayudas directas para el pago inicial y los gastos de cierre, haciendo la compra más accesible.\",\n \"es_key_points\": [\n \"Hipotecas de hasta 100,000 USD para la vivienda habitual de 1 a 4 unidades.\",\n \"Ayudas directas para cubrir el pago inicial, tasaciones y gastos de cierre.\",\n \"Incentivos económicos para que los prestamistas otorguen créditos de menor cuantía.\",\n \"El programa tendrá una duración de cuatro años y contará con informes de seguimiento.\"\n ],\n \"it_ai_title\": \"Programma pilota per facilitare mutui di piccolo importo fino a 100.000 USD\",\n \"it_summary\": \"Questa legge introduce un programma per aiutare i cittadini a ottenere mutui pari o inferiori a 100.000 dollari per la prima casa. Sono previsti contributi per l'anticipo e le spese burocratiche per ridurre i costi iniziali.\",\n \"it_key_points\": [\n \"Mutui fino a 100.000 USD per l'abitazione principale (da 1 a 4 unità abitative).\",\n \"Contributi a fondo perduto per coprire anticipo, perizie e spese di chiusura.\",\n \"Incentivi finanziari per le banche che scelgono di erogare piccoli prestiti.\",\n \"Il programma pilota durerà quattro anni con verifiche annuali sui risultati.\"\n ],\n \"nl_ai_title\": \"Pilotprogramma voor kleine hypotheken tot 100.000 USD voor woningkopers\",\n \"nl_summary\": \"Deze wet start een proefprogramma om hypotheken van 100.000 dollar of minder toegankelijker te maken. Burgers kunnen subsidies krijgen voor de aanbetaling en afsluitkosten bij de aankoop van hun eigen woning.\",\n \"nl_key_points\": [\n \"Hypotheken tot maximaal 100.000 USD voor de eigen woning (1 tot 4 eenheden).\",\n \"Directe subsidies voor aanbetalingen, taxaties en afsluitkosten van de lening.\",\n \"Financiële prikkels voor kredietverstrekkers om kleine leningen aan te bieden.\",\n \"Het proefprogramma loopt vier jaar en wordt jaarlijks geëvalueerd.\"\n ],\n \"pt_ai_title\": \"Um novo programa piloto para facilitar hipotecas de baixo valor até 100.000 USD\",\n \"pt_summary\": \"Esta lei cria um programa para ajudar os cidadãos a obter hipotecas de 100.000 dólares ou menos para a sua residência principal. Oferece subsídios para a entrada e custos de fecho, tornando a compra de casa mais acessível.\",\n \"pt_key_points\": [\n \"Hipotecas limitadas a 100.000 USD para habitação própria de 1 a 4 unidades.\",\n \"Subsídios diretos para o pagamento inicial, avaliações e custos de fecho do contrato.\",\n \"Incentivos financeiros para os bancos concederem empréstimos de valor reduzido.\",\n \"O programa terá uma duração de quatro anos com relatórios anuais de desempenho.\"\n ],\n \"category\": [\"Real Estate\", \"Economy\"]\n}" } ] }