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H.R. 7647

U.S. House•In House Committee

Summary

H.R. 7647, the MORE Opportunities for Homeownership Act, was introduced in the House on Feb 23, 2026 by Rep. Vicente Gonzalez (D) with 3 co-sponsors. It was referred to Financial Services, and last saw action on Feb 23, 2026: Referred to the House Committee on Financial Services.

Record

Text

H.R. 7647 has 3 co-sponsors.

hb7647/introduced-in-house.txt
119 HR 7647 IH: Minimizing Outdated Restrictions that Exclude Opportunities for Homeownership Act
 U.S. House of Representatives
 2026-02-23
 text/xml
 EN
 Pursuant to Title 17 Section 105 of the United States Code, this file is not subject to copyright protection and is in the public domain.
 I  119th CONGRESS  2d Session  H. R. 7647  IN THE HOUSE OF REPRESENTATIVES   February 23, 2026   Mr. Vicente Gonzalez of Texas  (for himself and  Mr. Fitzpatrick ) introduced the following bill; which was referred to the  Committee on Financial Services    A BILL
To amend the Federal Home Loan Bank Act to expand homeownership access, and for other purposes.
1.
Short title
This Act may be cited as the   Minimizing Outdated Restrictions that Exclude Opportunities for Homeownership Act   or the   MORE Opportunities for Homeownership Act  .
2.
Expanding homeownership access through community financial institutions
Section 2(10)(A)(i) of the Federal Home Loan Bank Act ( 12 U.S.C. 1422(10)(A)(i) ) is amended by inserting after  Federal Deposit Insurance Act  the following  or Federal Credit Union Act .

Tracker

The tracker indicates the progress of this legislation as it moves through the legislative process.

  1. Introduced2026-02-23
  2. Passed House
  3. Passed Senate
  4. Conference
  5. To President
  6. Became Law

To amend the Federal Home Loan Bank Act to expand homeownership access, and for other purposes.

Sponsors

Rep. Vicente Gonzalez (D) sponsors H.R. 7647, and 3 members have co-sponsored it, 1 of them from the day it was introduced.

Committees

H.R. 7647 went before 1 committee: Financial Services.

Financial Services
Financial Services
Referred To · Feb 23, 2026 · 559 Bills

Actions

H.R. 7647 has taken 2 actions since Feb 23, 2026.

ChamberAction
Feb 23, 2026
House
Introduced in House
Feb 23, 2026
House
Referred to the House Committee on Financial Services.Financial Services Committee

Votes

H.R. 7647 has not gone to a roll call.

Titles

H.R. 7647 goes by 4 titles, 2 of them short titles.

  • MORE Opportunities for Homeownership Act — Display Title
  • MORE Opportunities for Homeownership Act — Short Title(s) as Introduced
  • Minimizing Outdated Restrictions that Exclude Opportunities for Homeownership Act — Short Title(s) as Introduced
  • To amend the Federal Home Loan Bank Act to expand homeownership access, and for other purposes. — Official Title as Introduced

Lobbying

3 clients hired 3 firms and 4 registered lobbyists who named H.R. 7647 in 5 quarterly filings, 2026. Reported under the Lobbying Disclosure Act; a filing’s income covers everything its registrant worked that quarter, so the amounts below are the filings’, not this bill’s.

Filed under Banking, Financial Institutions/Investments/Securities, Budget/Appropriations, Taxation/Internal Revenue Code, Government Issues, Small Business, Veterans.

Clients

Who paid to be heard, by how many filings named the bill.

ClientBusinessStateFirmsFilingsReported
GOWEST CREDIT UNION ASSOCIATIONCredit Union Trade AssociationWashington12—
LEAGUE OF SOUTHEASTERN CREDIT UNIONSFinancial ServicesFlorida12—
CALIFORNIA AND NEVADA CREDIT UNION LEAGUES—California11—

Firms

Registrants who filed on the bill, by filings.

RegistrantClientsFilingsReported
GOWEST CREDIT UNION ASSOCIATION12—
LEAGUE OF SOUTHEASTERN CREDIT UNIONS12—
CALIFORNIA AND NEVADA CREDIT UNION LEAGUES11—

Lobbyists

Named on the filings that cite the bill.

LobbyistFirmsClientsFilings
ELIZABETH DICKSON112
RYAN FITZGERALD112
EVAN BRANDAW111
STEPHANIE CUEVAS111

Filings

The documents themselves, on the Senate’s Lobbying Disclosure site, largest reported first.

ClientRegistrantPeriodReportedDocument
CALIFORNIA AND NEVADA CREDIT UNION LEAGUESCALIFORNIA AND NEVADA CREDIT UNION LEAGUES2026 second_quarter$110K2nd Quarter - Report
GOWEST CREDIT UNION ASSOCIATIONGOWEST CREDIT UNION ASSOCIATION2026 first_quarter$90K1st Quarter - Report
GOWEST CREDIT UNION ASSOCIATIONGOWEST CREDIT UNION ASSOCIATION2026 second_quarter$80K2nd Quarter - Report
LEAGUE OF SOUTHEASTERN CREDIT UNIONSLEAGUE OF SOUTHEASTERN CREDIT UNIONS2026 second_quarter$70K2nd Quarter - Report
LEAGUE OF SOUTHEASTERN CREDIT UNIONSLEAGUE OF SOUTHEASTERN CREDIT UNIONS2026 first_quarter$70K1st Quarter - Report

Classification

The Congressional Research Service files H.R. 7647 under Finance and Financial Sector, one of its 31 policy areas.

CRS Subjects

CRS assigns every bill one policy area from its 31; H.R. 7647’s is Finance and Financial Sector.

hr7647/policy-areas.txt
Finance and Financial SectorAgriculture and FoodAnimalsArmed Forces and National SecurityArts, Culture, ReligionCivil Rights and Liberties, Minority IssuesCommerceCongressCrime and Law EnforcementEconomics and Public FinanceEducationEmergency ManagementEnergyEnvironmental ProtectionFamiliesForeign Trade and International FinanceGovernment Operations and PoliticsHealthHousing and Community DevelopmentImmigrationInternational AffairsLabor and EmploymentLawNative AmericansPublic Lands and Natural ResourcesScience, Technology, CommunicationsSocial WelfareSports and RecreationTaxationTransportation and Public WorksWater Resources Development

Constitutional authority

The clause the sponsor cites as Congress’s power to enact H.R. 7647, as entered in the Congressional Record.

[Congressional Record Volume 172, Number 35 (Monday, February 23, 2026)][House]From the Congressional Record Online through the Government Publishing Office [www.gpo.gov]By Mr. VICENTE GONZALEZ of Texas:H.R. 7647.Congress has the power to enact this legislation pursuantto the following:Article 1, Section 8[Page H2258]

Source: congress.gov · legiscan.com