Recently enacted laws

H.R. 10325 · 119th Congress · pending

To increase the mandatory contribution amount of Federal Home Loan Banks to the Affordable Housing Program, and for other purposes.

Ordered to be Reported Unfavorably (Amended) by the Yeas and Nays: 21 - 28.

Latest official action 2026-09-16 · Reported

The bill, briefly

This bill increases the required contributions of Federal Home Loan Banks to the Affordable Housing Program established by each bank. These programs subsidize interest rates for member banks to finance (1) mortgages for low- and moderate-income individuals; and (2) the purchase, construction, or rehabilitation of affordable rental housing. Specifically, the bill increases the percentage of yearly net income that each Federal Home Loan Bank must contribute to these programs from 10% to 15%.

Congressional Research Service · 2026-09-08

Who reported lobbying on this bill?

Amount spent specifically on this bill: not disclosed

The reports below name this bill and disclose an organization’s overall lobbying expenses or a firm’s client income for the period. They can cover many bills and issues. These amounts are not payments to the bill or its politicians.

COMMUNITY BANKERS ASSOCIATION OF ILLINOIS

Registrant: COMMUNITY BANKERS ASSOCIATION OF ILLINOIS · 2026 3rd Quarter (July 1 - Sep 30)

$70,000

Total organization expenses, all reported topics

Banking

Legislation and Regulation - H.R. 6955 the Main Street Capital Access Act (All Sections) regarding regulatory fairness, transparency and right-sizing; promoting healthy, growing, and competitive banking industry; and improving access to funding and capital for small to mid-sized banks (House) S. 5526 the Agricultural Act of 2026 specifically regarding an amendment offered by Senators Justice and Welch concerning allowing Farm Credit to expand the definition of rural communities in which they can make home loans (Senate) H.R. 10325 (All Sections) a bill to increase the mandatory contribution Federal Home Loan Banks make to Affordable Housing Programs (AHPs) All Sections (House) H.R. 6644 and S. 2651 or the ROAD Act which is the 21st Century ROAD to Housing Act specifically including the inclusion of the provisions in H.R. 6644 (Housing for the 21st Century Act (Title VI) and regarding final passage (House and Senate) H.R. 3633 the CLARITY Act (Section 404) specifically regarding stablecoin yield or rewards or incentives and the potential to disintermediate community bank deposits (Senate) Letters - Letter to the Federal Reserve regarding - Proposed Revisions to the Federal Reserve P…

Lobbyists named: DAVID GLENN SCHROEDER

Congress inferred from reporting year; verify the bill reference in the source.

Financial Institutions/Investments/Securities

Legislation and Regulation - H.R. 6955 the Main Street Capital Access Act (All Sections) regarding regulatory fairness, transparency and right-sizing; promoting healthy, growing, and competitive banking industry; and improving access to funding and capital for small to mid-sized banks (House) S. 5526 the Agricultural Act of 2026 specifically regarding an amendment offered by Senators Justice and Welch concerning allowing Farm Credit to expand the definition of rural communities in which they can make home loans (Senate) H.R. 10325 (All Sections) a bill to increase the mandatory contribution Federal Home Loan Banks make to Affordable Housing Programs (AHPs) All Sections (House) H.R. 6644 and S. 2651 or the ROAD Act which is the 21st Century ROAD to Housing Act specifically including the inclusion of the provisions in H.R. 6644 (Housing for the 21st Century Act (Title VI) and regarding final passage (House and Senate) H.R. 3633 the CLARITY Act (Section 404) specifically regarding stablecoin yield or rewards or incentives and the potential to disintermediate community bank deposits (Senate) Letters - Letter to the Federal Reserve regarding - Proposed Revisions to the Federal Reserve P…

Lobbyists named: DAVID GLENN SCHROEDER

Congress inferred from reporting year; verify the bill reference in the source.

Consumer Issues/Safety/Products

Legislation and Regulation - S. 5526 the Agricultural Act of 2026 specifically regarding an amendment offered by Senators Justice and Welch concerning allowing Farm Credit to expand the definition of rural communities in which they can make home loans (Senate) H.R. 6644 and S. 2651 or the ROAD Act which is the 21st Century ROAD to Housing Act including the inclusion of the provisions in H.R. 6644 (Housing for the 21st Century Act (Title VI) and regarding final passage (House and Senate) H.R. 10325 (All Sections) a bill to increase the mandatory contribution Federal Home Loan Banks make to Affordable Housing Programs (AHPs) All Sections (House) Letters - None Action Alerts - Action Alert - Urge Illinois Senators to Protect Community Bank Deposits in the CLARITY Act regarding disintermediation of community bank deposits from stablecoin issuers and exchanges from paying interest or rewards on stablecoin deposits (Senate) Miscellaneous - Check Fraud - Status of the results of the June of 2025 joint regulator Request For Information (RFI) on payments/check fraud (Fed, OCC and FDIC)

Lobbyists named: DAVID GLENN SCHROEDER

Congress inferred from reporting year; verify the bill reference in the source.

Economics/Economic Development

Legislation and Regulation - H.R. 6644 and S. 2651 or the ROAD Act which is the 21st Century ROAD to Housing Act including the inclusion of the provisions in H.R. 6644 (Housing for the 21st Century Act (Title VI) and regarding final passage (House and Senate) H.R. 10325 (All Sections) a bill to increase the mandatory contribution Federal Home Loan Banks make to Affordable Housing Programs (AHPs) All Sections (House) Letters - None Action Alerts - None Miscellaneous - None

Lobbyists named: DAVID GLENN SCHROEDER

Congress inferred from reporting year; verify the bill reference in the source.

Read the original disclosure

2,409 latest lobbying reports imported. Some source imports are still in progress.

Politicians behind the bill

Sponsors and cosponsors from the official source, limited to members currently in office. Campaign amounts are cycle-wide and are not payments for this bill.

0 of 0 source cosponsor records retrieved; only current officials and unwithdrawn sponsorships appear.

PAC donors to the listed sponsors

These are all-cycle contributions to the listed sponsors’ and cosponsors’ campaigns. FEC does not attribute them to this bill. A donation plus sponsorship does not establish why a politician acted.

AMERICA'S CREDIT UNIONS PAC$10,000

Maxine Waters · Sponsor · $10,000

Official PAC record
AMERICAN INSTITUTE OF CERTIFIED PUBLIC ACCOUNTANTS POLITICAL ACTION COMMITTEE$10,000

Maxine Waters · Sponsor · $10,000

Official PAC record
AMERICAN LAND TITLE ASSOCIATION TITLE INDUSTRY PAC (TIPAC)$10,000

Maxine Waters · Sponsor · $10,000

Official PAC record
BLACKROCK FUNDS SERVICES GROUP LLC POLITICAL ACTION COMMITTEE (BLACKROCK PAC)$10,000

Maxine Waters · Sponsor · $10,000

Official PAC record
BUILD POLITICAL ACTION COMMITTEE OF THE NATIONAL ASSOCIATION OF HOME BUILDERS (BUILDPAC)$10,000

Maxine Waters · Sponsor · $10,000

Official PAC record
DEPOSITORY TRUST AND CLEARING CORPORATION PAC - DTCC PAC; THE$10,000

Maxine Waters · Sponsor · $10,000

Official PAC record
ERNST & YOUNG POLITICAL ACTION COMMITTEE$10,000

Maxine Waters · Sponsor · $10,000

Official PAC record
LA BAMBA PAC$10,000

Maxine Waters · Sponsor · $10,000

Official PAC record
MACHINISTS NON PARTISAN POLITICAL LEAGUE OF THE INTERNATIONAL ASSOCIATION OF MACHINISTS & AEROSPACE WORKERS$10,000

Maxine Waters · Sponsor · $10,000

Official PAC record
NATIONAL ASSOCIATION OF CONVENIENCE STORES POLITICAL ACTION COMMITTEE$10,000

Maxine Waters · Sponsor · $10,000

Official PAC record
NATIONAL ASSOCIATION OF INSURANCE AND FINANCIAL ADVISORS POLITICAL ACTION COMM$10,000

Maxine Waters · Sponsor · $10,000

Official PAC record
NATIONAL MULTIFAMILY HOUSING COUNCIL AND REAL ESTATE TECHNOLOGY AND TRANSFORMATION CENTER POLITICAL ACTION COMMITTEE (NMHC PAC)$10,000

Maxine Waters · Sponsor · $10,000

Official PAC record
THE COUNCIL OF INSURANCE AGENTS & BROKERS POLITICAL ACTION COMMITTEE$10,000

Maxine Waters · Sponsor · $10,000

Official PAC record
AFLAC POLITICAL ACTION COMMITTEE (AFLAC PAC)$7,500
AMERICAN FEDERATION OF STATE COUNTY & MUNICIPAL EMPLOYEES P E O P L E$7,500
AMERICAN FEDERATION OF TEACHERS, AFL-CIO COMMITTEE ON POLITICAL EDUCATION$7,500
MORTGAGE BANKERS ASSOCIATION POLITICAL ACTION COMMITTEE (MORPAC)$7,500
NATIONAL APARTMENT ASSOCIATION POLITICAL ACTION COMMITTEE$7,500
NATIONAL ASSOCIATION OF RESIDENTIAL PROPERTY MANGERS, INC. POLITICAL ACTION COMMITTEE (NARPM PAC)$7,500
UNITED SERVICES AUTOMOBILE ASSOCIATION EMPLOYEE PAC - USAA EMPLOYEE PAC$7,500
VISA, INC. POLITICAL ACTION COMMITTEE$7,500
ZILLOW GROUP, INC. POLITICAL ACTION COMMITTEE (ZG PAC)$7,500
OPTIVER AMERICAS LLC PAC (OPTIVER PAC)$7,000
KINECTA FEDERAL CREDIT UNION FEDERAL PAC$6,000
AMERICAN ASSOCIATION FOR JUSTICE POLITICAL ACTION COMMITTEE (AAJ PAC)$5,000
AMERICAN BANKERS ASSOCIATION PAC (BANKPAC)$5,000
AMERICAN SENIORS HOUSING ASSOCIATION (SENIORS HOUSING PAC)$5,000
BREAD FINANCIAL HOLDINGS, INC. PAC (AKA BREAD FINANCIAL PAC)$5,000
CARPENTERS LEGISLATIVE IMPROVEMENT COMMITTEE UNITED BROTHERHOOD OF CARPENTERS AND JOINERS$5,000
CHIME FINANCIAL, INC. PAC (CHIME PAC)$5,000
COMMERCIAL REAL ESTATE FINANCE COUNCIL PAC$5,000
DELOITTE POLITICAL ACTION COMMITTEE$5,000
FAIR ISAAC CORPORATION POLITICAL ACTION COMMITTEE (FICO PAC)$5,000
INDEPENDENT COMMUNITY BANKERS OF AMERICA POLITICAL ACTION COMMITTEE (ICBA PAC)$5,000
KPMG PARTNERS/PRINCIPALS AND EMPLOYEES PAC$5,000
MANUFACTURED HOUSING INSTITUTE PAC$5,000
MUTUAL OF OMAHA COMPANIES PAC (IMPAC)$5,000
NASDAQ, INC. PAC (NASDAQ PAC)$5,000
NATIONAL ASSOCIATION OF MUTUAL INSURANCE COMPANIES PAC$5,000
NATIONAL ASSOCIATION OF REALTORS POLITICAL ACTION COMMITTEE$5,000

The largest 40 donor totals appear here. Open each politician for their complete, paginated PAC donor list.

What happened after enactment?

This bill is not enacted. Post-enactment results do not apply yet.