{
  "legislationId": "119_HR_8318",
  "lastUpdate": "2026-04-21T11:32:37.446Z",
  "history": [
    {
      "timestamp": "2026-04-21T11:32:37.446Z",
      "source_url": "https://www.congress.gov/119/bills/hr8318/BILLS-119hr8318ih.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. 8318 Introduced in House (IH)] <DOC> 119th CONGRESS 2d Session H. R. 8318 To authorize a pilot program under section 258 of the National Housing Act to establish an automated process for providing additional credit rating information for mortgagors and prospective mortgagors under certain mortgages. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES April 16, 2026 Mr. Green of Texas introduced the following bill; which was referred to the Committee on Financial Services _______________________________________________________________________ A BILL To authorize a pilot program under section 258 of the National Housing Act to establish an automated process for providing additional credit rating information for mortgagors and prospective mortgagors under certain mortgages. 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 ``Original Additional Credit FHA Pilot Program Authorization Act''. SEC. 2. PILOT PROGRAM FOR BORROWERS WITHOUT SUFFICIENT CREDIT HISTORY. Section 258 of the National Housing Act (12 U.S.C. 1715z-24) is amended-- (1) in subsection (a)-- (A) by striking ``carry out'' and inserting ``establish and carry out''; (B) by striking ``establish, and''; (C) by inserting ``who elect to participate in the pilot program'' before the second comma; (D) by striking ``mortgagors and''; (E) by inserting after ``their creditworthiness'' the following: ``and have opted into the use of additional credit information''; and (F) by striking ``alternative'' each place such term appears and inserting ``additional''; (2) in subsection (b), by adding after the period at the end the following: ``The pilot program may not be carried out with respect to any mortgagor or prospective mortgagor under a mortgage the proceeds of which are used to prepay or pay off an existing loan secured by the same property.''; (3) by striking subsection (c); (4) by redesignating subsections (b) (as amended by paragraph (2) of this subsection) and (d) as subsections (c) and (k), respectively; (5) by inserting after subsection (a) the following new subsection: ``(b) Goal.--The goal of the pilot program under this section shall be to examine and evaluate the benefits of using such a credit scoring model that uses additional data.''; (6) by inserting after subsection (c) (as so redesignated by paragraph (4) of this subsection) the following: ``(d) Additional Credit Information.--The Secretary shall, after consultation with the Government National Mortgage Association and not later than one year after the date of the enactment of this subsection, select one or more commercially available credit scoring models that will be available under the pilot and that utilize additional data, as the Secretary considers appropriate based on the goals of the pilot program. In selecting the model or models to use, the Secretary shall consider the criteria under part 1254 of the regulations of the Director of the Federal Housing Finance Agency (12 C.F.R. Part 1254) to the extent appropriate. ``(e) Notification.-- ``(1) Notice of options.--The Secretary shall develop a notice for prospective mortgagors, and require mortgagees to provide such notice to prospective mortgagors, that informs prospective mortgagors of-- ``(A) the ability to opt into the use of the credit scoring model selected for use under the pilot program; ``(B) information on how the pilot program credit scoring model differs from the FHA's current credit scoring models, including the types of additional data that are included in the pilot program model; and ``(C) housing counseling agencies in the area that are approved by the Department of Housing and Urban Development. ``(2) Comparison of lending options.--The Secretary shall require mortgagees participating in the pilot program to provide information to prospective mortgagors sufficient to allow comparison of the mortgagor's lending options using the credit scoring model under the pilot program and using the credit scoring model then in effect for mortgagors not opting into the use of the credit scoring model under the pilot program. ``(f) Underwriting Options.--This section may not be construed to preclude a prospective mortgagor who opts to use an approved credit scoring model under the pilot program under this subsection in connection with underwriting for a mortgage insured under this title from thereafter obtaining a determination of creditworthiness involved in underwriting for such mortgage using information other than that provided under such approved credit scoring model. ``(g) Protection of Proprietary Information.--This section may not be construed to require the disclosure or sharing of any proprietary information. ``(h) Reporting.-- ``(1) In general.--The Secretary shall submit reports to the Congress in accordance with paragraph (2) that provide a detailed evaluation of the effectiveness of the pilot, including data that shows-- ``(A) the number of mortgagors who had the option to opt into using additional credit information and the number of mortgagors who opted into using additional credit information; ``(B) the total number and percent of mortgagors who opted into the pilot and were subsequently approved for a mortgage; ``(C) demographic information about mortgagors who opt into using additional credit information, compared to demographic information about mortgagors generally, which shall include race, ethnicity, marital status, sex or gender, geographic location regarding mortgaged properties, and any other information the Secretary deems appropriate; ``(D) whether or not mortgagors with no or thin credit files benefitted from having this option and how; ``(E) whether or not other borrowers who did not have thin or no credit files benefitted from this option and how; ``(F) the effectiveness of the additional credit information in predicting mortgage loan default; ``(G) the rate of participation of mortgagees in the pilot program; ``(H) whether or not the pilot program had an impact on the Mutual Mortgage Insurance Fund, in general, and specifically whether it had an impact on the economic net worth ratio of the Fund; ``(I) whether or not there was sufficient income from the pilot program to offset the risk posed to such Fund by the pilot program; ``(J) whether the pilot program had an impact on the ability of other borrowers not participating in the program to obtain the products and services of the FHA; and ``(K) any other information the Secretary determines relevant. ``(2) Submission.--The Secretary shall submit a report described in paragraph (1)-- ``(A) not later than 6 months after the conclusion of the 2-year period beginning on the date on which the Secretary begins accepting the additional credit scores through the pilot program established by the Secretary pursuant to this section; and ``(B) not later than 1 year after the conclusion of the 5-year period beginning on the date of the enactment of the Original Additional Credit FHA Pilot Program Authorization Act. ``(3) Report on selection of additional credit model.--Not later than the conclusion of the 6-month period that begins upon the conclusion of the 1-year period under subsection (d), the Secretary shall submit to the Congress a report explaining why the additional credit scoring model or models selected pursuant to subsection (d) were selected in lieu of other commercially available credit scoring models. ``(4) Public availability of information.--The Secretary shall make publicly available in an easily accessible location on the website of the Department-- ``(A) each report submitted to the Congress pursuant to this subsection; and ``(B) information about the pilot program, which shall include an up-to-date listing of mortgagees participating in the pilot program. ``(i) Authority To Limit Participation.--The Secretary may establish a limitation to cap participation in the pilot program under this section. ``(j) Authorization of Appropriations.--There is authorized to be appropriated-- ``(1) $3,000,000 for fiscal year 2023 for establishing and carrying out the pilot program under this section; and ``(2) $1,500,000 for each of fiscal years 2024 through 2027 for carrying out the pilot program under this section.''; and (7) in subsection (k), as so redesignated by paragraph (4), by striking ``5-year period beginning on the date of the enactment of the Building American Homeownership Act of 2008'' and inserting ``5-year period beginning on the date of the enactment of the Original Additional Credit FHA Pilot Program Authorization Act''. <all>\n\nSUMMARY TO EVALUATE:\nTitle: FHA Pilot Program: Expanding Mortgage Access Through Additional Credit Data\nSummary: This bill creates a pilot program allowing mortgage applicants with limited credit history to use additional data to prove their creditworthiness for FHA loans. It aims to help more people qualify for home ownership by looking beyond traditional credit scores.\nKey Points: Applicants can choose to use new credit scoring models that include more types of payment data., Specifically helps those with 'thin' or no traditional credit history get approved for a home loan., Lenders must clearly explain the new options and compare them with standard mortgage terms., The program is for new home purchases, not for paying off or refinancing existing loans., Includes access to information about government-approved housing counseling agencies.\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": "2026-04-21T11:19:17.692Z",
      "source_url": "https://www.congress.gov/119/bills/hr8318/BILLS-119hr8318ih.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. 8318 Introduced in House (IH)] <DOC> 119th CONGRESS 2d Session H. R. 8318 To authorize a pilot program under section 258 of the National Housing Act to establish an automated process for providing additional credit rating information for mortgagors and prospective mortgagors under certain mortgages. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES April 16, 2026 Mr. Green of Texas introduced the following bill; which was referred to the Committee on Financial Services _______________________________________________________________________ A BILL To authorize a pilot program under section 258 of the National Housing Act to establish an automated process for providing additional credit rating information for mortgagors and prospective mortgagors under certain mortgages. 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 ``Original Additional Credit FHA Pilot Program Authorization Act''. SEC. 2. PILOT PROGRAM FOR BORROWERS WITHOUT SUFFICIENT CREDIT HISTORY. Section 258 of the National Housing Act (12 U.S.C. 1715z-24) is amended-- (1) in subsection (a)-- (A) by striking ``carry out'' and inserting ``establish and carry out''; (B) by striking ``establish, and''; (C) by inserting ``who elect to participate in the pilot program'' before the second comma; (D) by striking ``mortgagors and''; (E) by inserting after ``their creditworthiness'' the following: ``and have opted into the use of additional credit information''; and (F) by striking ``alternative'' each place such term appears and inserting ``additional''; (2) in subsection (b), by adding after the period at the end the following: ``The pilot program may not be carried out with respect to any mortgagor or prospective mortgagor under a mortgage the proceeds of which are used to prepay or pay off an existing loan secured by the same property.''; (3) by striking subsection (c); (4) by redesignating subsections (b) (as amended by paragraph (2) of this subsection) and (d) as subsections (c) and (k), respectively; (5) by inserting after subsection (a) the following new subsection: ``(b) Goal.--The goal of the pilot program under this section shall be to examine and evaluate the benefits of using such a credit scoring model that uses additional data.''; (6) by inserting after subsection (c) (as so redesignated by paragraph (4) of this subsection) the following: ``(d) Additional Credit Information.--The Secretary shall, after consultation with the Government National Mortgage Association and not later than one year after the date of the enactment of this subsection, select one or more commercially available credit scoring models that will be available under the pilot and that utilize additional data, as the Secretary considers appropriate based on the goals of the pilot program. In selecting the model or models to use, the Secretary shall consider the criteria under part 1254 of the regulations of the Director of the Federal Housing Finance Agency (12 C.F.R. Part 1254) to the extent appropriate. ``(e) Notification.-- ``(1) Notice of options.--The Secretary shall develop a notice for prospective mortgagors, and require mortgagees to provide such notice to prospective mortgagors, that informs prospective mortgagors of-- ``(A) the ability to opt into the use of the credit scoring model selected for use under the pilot program; ``(B) information on how the pilot program credit scoring model differs from the FHA's current credit scoring models, including the types of additional data that are included in the pilot program model; and ``(C) housing counseling agencies in the area that are approved by the Department of Housing and Urban Development. ``(2) Comparison of lending options.--The Secretary shall require mortgagees participating in the pilot program to provide information to prospective mortgagors sufficient to allow comparison of the mortgagor's lending options using the credit scoring model under the pilot program and using the credit scoring model then in effect for mortgagors not opting into the use of the credit scoring model under the pilot program. ``(f) Underwriting Options.--This section may not be construed to preclude a prospective mortgagor who opts to use an approved credit scoring model under the pilot program under this subsection in connection with underwriting for a mortgage insured under this title from thereafter obtaining a determination of creditworthiness involved in underwriting for such mortgage using information other than that provided under such approved credit scoring model. ``(g) Protection of Proprietary Information.--This section may not be construed to require the disclosure or sharing of any proprietary information. ``(h) Reporting.-- ``(1) In general.--The Secretary shall submit reports to the Congress in accordance with paragraph (2) that provide a detailed evaluation of the effectiveness of the pilot, including data that shows-- ``(A) the number of mortgagors who had the option to opt into using additional credit information and the number of mortgagors who opted into using additional credit information; ``(B) the total number and percent of mortgagors who opted into the pilot and were subsequently approved for a mortgage; ``(C) demographic information about mortgagors who opt into using additional credit information, compared to demographic information about mortgagors generally, which shall include race, ethnicity, marital status, sex or gender, geographic location regarding mortgaged properties, and any other information the Secretary deems appropriate; ``(D) whether or not mortgagors with no or thin credit files benefitted from having this option and how; ``(E) whether or not other borrowers who did not have thin or no credit files benefitted from this option and how; ``(F) the effectiveness of the additional credit information in predicting mortgage loan default; ``(G) the rate of participation of mortgagees in the pilot program; ``(H) whether or not the pilot program had an impact on the Mutual Mortgage Insurance Fund, in general, and specifically whether it had an impact on the economic net worth ratio of the Fund; ``(I) whether or not there was sufficient income from the pilot program to offset the risk posed to such Fund by the pilot program; ``(J) whether the pilot program had an impact on the ability of other borrowers not participating in the program to obtain the products and services of the FHA; and ``(K) any other information the Secretary determines relevant. ``(2) Submission.--The Secretary shall submit a report described in paragraph (1)-- ``(A) not later than 6 months after the conclusion of the 2-year period beginning on the date on which the Secretary begins accepting the additional credit scores through the pilot program established by the Secretary pursuant to this section; and ``(B) not later than 1 year after the conclusion of the 5-year period beginning on the date of the enactment of the Original Additional Credit FHA Pilot Program Authorization Act. ``(3) Report on selection of additional credit model.--Not later than the conclusion of the 6-month period that begins upon the conclusion of the 1-year period under subsection (d), the Secretary shall submit to the Congress a report explaining why the additional credit scoring model or models selected pursuant to subsection (d) were selected in lieu of other commercially available credit scoring models. ``(4) Public availability of information.--The Secretary shall make publicly available in an easily accessible location on the website of the Department-- ``(A) each report submitted to the Congress pursuant to this subsection; and ``(B) information about the pilot program, which shall include an up-to-date listing of mortgagees participating in the pilot program. ``(i) Authority To Limit Participation.--The Secretary may establish a limitation to cap participation in the pilot program under this section. ``(j) Authorization of Appropriations.--There is authorized to be appropriated-- ``(1) $3,000,000 for fiscal year 2023 for establishing and carrying out the pilot program under this section; and ``(2) $1,500,000 for each of fiscal years 2024 through 2027 for carrying out the pilot program under this section.''; and (7) in subsection (k), as so redesignated by paragraph (4), by striking ``5-year period beginning on the date of the enactment of the Building American Homeownership Act of 2008'' and inserting ``5-year period beginning on the date of the enactment of the Original Additional Credit FHA Pilot Program Authorization Act''. <all>\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 pilotażowy FHA: Łatwiejszy dostęp do kredytów hipotecznych dzięki dodatkowym danym\",\n  \"pl_summary\": \"Ustawa wprowadza program pilotażowy, który pozwala osobom z krótką historią kredytową na wykorzystanie dodatkowych danych do oceny ich zdolności kredytowej przy ubieganiu się o kredyt FHA. Dzięki temu obywatele, którzy dotychczas mieli trudności z uzyskaniem finansowania, mogą łatwiej kupić własny dom.\",\n  \"pl_key_points\": [\n    \"Możliwość dobrowolnego przekazania dodatkowych informacji o płatnościach w celu poprawy oceny kredytowej.\",\n    \"Wsparcie dla osób z tzw. 'pustą' lub krótką historią kredytową w bankach.\",\n    \"Obowiązek informowania klientów przez banki o różnicach między standardową a nową metodą oceny.\",\n    \"Zakaz stosowania programu przy refinansowaniu obecnych kredytów na tę samą nieruchomość.\",\n    \"Dostęp do informacji o bezpłatnym doradztwie mieszkaniowym zatwierdzonym przez rząd.\"\n  ],\n  \"eng_ai_title\": \"FHA Pilot Program: Expanding Mortgage Access Through Additional Credit Data\",\n  \"eng_summary\": \"This bill creates a pilot program allowing mortgage applicants with limited credit history to use additional data to prove their creditworthiness for FHA loans. It aims to help more people qualify for home ownership by looking beyond traditional credit scores.\",\n  \"eng_key_points\": [\n    \"Applicants can choose to use new credit scoring models that include more types of payment data.\",\n    \"Specifically helps those with 'thin' or no traditional credit history get approved for a home loan.\",\n    \"Lenders must clearly explain the new options and compare them with standard mortgage terms.\",\n    \"The program is for new home purchases, not for paying off or refinancing existing loans.\",\n    \"Includes access to information about government-approved housing counseling agencies.\"\n  ],\n  \"de_ai_title\": \"FHA-Pilotprogramm: Erleichterter Zugang zu Hypotheken durch zusätzliche Kreditdaten\",\n  \"de_summary\": \"Dieses Gesetz führt ein Pilotprogramm ein, das es Antragstellern mit geringer Kredithistorie ermöglicht, zusätzliche Daten zur Bewertung ihrer Kreditwürdigkeit für FHA-Darlehen zu nutzen. Ziel ist es, den Weg zum Eigenheim für Bürger zu ebnen, die bisher durch herkömmliche Raster gefallen sind.\",\n  \"de_key_points\": [\n    \"Freiwillige Nutzung neuer Scoring-Modelle, die zusätzliche Zahlungsdaten berücksichtigen.\",\n    \"Besondere Unterstützung für Personen mit wenig oder gar keiner herkömmlichen Kredithistorie.\",\n    \"Banken müssen über die Unterschiede zwischen den Bewertungsmethoden aufklären.\",\n    \"Das Programm gilt nicht für die Umschuldung bestehender Kredite auf dieselbe Immobilie.\",\n    \"Bereitstellung von Informationen über staatlich anerkannte Wohnungsberatungsstellen.\"\n  ],\n  \"fr_ai_title\": \"Programme pilote FHA : Faciliter l'accès au crédit immobilier grâce à des données supplémentaires\",\n  \"fr_summary\": \"Cette loi crée un programme pilote permettant aux emprunteurs ayant peu d'antécédents de crédit d'utiliser des données supplémentaires pour prouver leur solvabilité. Cela facilite l'accès à la propriété pour ceux qui ne rentrent pas dans les critères bancaires classiques.\",\n  \"fr_key_points\": [\n    \"Possibilité d'opter pour des modèles de score de crédit utilisant des données de paiement plus larges.\",\n    \"Aide spécifique pour les personnes ayant un dossier de crédit 'mince' ou inexistant.\",\n    \"Obligation pour les prêteurs de comparer les options de prêt classiques et celles du programme pilote.\",\n    \"Exclusion des refinancements de prêts existants sur la même propriété.\",\n    \"Accès aux coordonnées des agences de conseil en logement agréées par le gouvernement.\"\n  ],\n  \"es_ai_title\": \"Programa Piloto de la FHA: Facilitando Hipotecas con Datos de Crédito Adicionales\",\n  \"es_summary\": \"Esta ley establece un programa piloto que permite a los solicitantes de hipotecas con poco historial crediticio usar datos adicionales para demostrar su solvencia. El objetivo es ayudar a más ciudadanos a calificar para préstamos de la FHA y comprar una vivienda.\",\n  \"es_key_points\": [\n    \"Los solicitantes pueden elegir modelos de crédito que incluyan información de pagos no tradicional.\",\n    \"Apoyo directo a personas con historial crediticio limitado o inexistente.\",\n    \"Los prestamistas deben informar sobre las diferencias entre los modelos de evaluación.\",\n    \"El programa no se aplica para refinanciar o pagar préstamos existentes sobre la misma propiedad.\",\n    \"Información obligatoria sobre agencias de asesoría de vivienda aprobadas por el gobierno.\"\n  ],\n  \"it_ai_title\": \"Programma Pilota FHA: Accesso ai Mutui Facilitato con Dati Creditizi Aggiuntivi\",\n  \"it_summary\": \"Questa legge introduce un programma pilota che consente a chi ha una storia creditizia limitata di utilizzare dati aggiuntivi per ottenere un mutuo FHA. L'obiettivo è favorire l'acquisto della casa per chi non ha un punteggio di credito tradizionale sufficiente.\",\n  \"it_key_points\": [\n    \"Possibilità di scegliere modelli di valutazione del credito basati su dati di pagamento extra.\",\n    \"Aiuto concreto per chi ha un fascicolo creditizio 'esiguo' o assente.\",\n    \"Obbligo per le banche di confrontare le opzioni di prestito standard con quelle del programma.\",\n    \"Esclusione del programma per il rifinanziamento di mutui già esistenti sulla stessa casa.\",\n    \"Fornitura di contatti per agenzie di consulenza abitativa approvate dal governo.\"\n  ],\n  \"nl_ai_title\": \"FHA-proefprogramma: Betere toegang tot hypotheken via extra kredietgegevens\",\n  \"nl_summary\": \"Deze wet voert een proefprogramma in waarmee hypotheekaanvragers met weinig kredietverleden extra gegevens kunnen gebruiken om hun kredietwaardigheid aan te tonen. Dit helpt meer burgers om in aanmerking te komen voor een FHA-lening voor een eigen woning.\",\n  \"nl_key_points\": [\n    \"Vrijwillige keuze voor kredietmodellen die gebruikmaken van aanvullende betalingsgegevens.\",\n    \"Specifieke hulp voor mensen met een beperkt of ontbrekend traditioneel kredietverleden.\",\n    \"Geldverstrekkers moeten de verschillen tussen de oude en nieuwe beoordelingsmethode uitleggen.\",\n    \"Niet beschikbaar voor het oversluiten of afbetalen van bestaande leningen op hetzelfde pand.\",\n    \"Informatie over door de overheid goedgekeurde instanties voor huisvestingsadvies.\"\n  ],\n  \"pt_ai_title\": \"Programa Piloto FHA: Facilitando o Acesso a Hipotecas com Dados de Crédito Adicionais\",\n  \"pt_summary\": \"Esta lei cria um programa piloto que permite aos candidatos a hipotecas com pouco histórico de crédito utilizar dados adicionais para comprovar a sua solvabilidade. O objetivo é ajudar mais cidadãos a obterem empréstimos da FHA para a compra de casa própria.\",\n  \"pt_key_points\": [\n    \"Opção de utilizar novos modelos de pontuação de crédito que incluem dados de pagamento extra.\",\n    \"Apoio específico para pessoas com histórico de crédito limitado ou inexistente.\",\n    \"Os credores devem fornecer comparações claras entre as opções de empréstimo tradicionais e as do programa.\",\n    \"O programa não pode ser usado para refinanciar empréstimos já existentes no mesmo imóvel.\",\n    \"Divulgação de agências de aconselhamento habitacional aprovadas pelo governo.\"\n  ],\n  \"category\": [\"Real Estate\", \"Economy\"]\n}"
    }
  ]
}