H.R. 2038

119th Congress

In Committee

American Housing and Economic Mobility Act of 2025

Sponsored byDemocrat:Rep. Cleaver, Emanuel [D-MO-5]MO· Introduced 11 mars 2025
Open on Congress.gov

26

Cosponsors

7

Actions

0

Amendments

0

Committees

—

Since introduced

Introduced
Committee
Passed Chamber
Passed Both
Enacted
Step 1 of 0
Latest action

Referred to the Subcommittee on Economic Opportunity.

27 mars 2025·1 year ago

Summary

Introduced in House · Updated 28 janvier 2026

American Housing and Economic Mobility Act of 2025

This bill addresses housing affordability and availability through grants, housing programs, and oversight of financial institutions. The bill also makes certain changes to the estate tax, such as by generally increasing the rate.

The Department of Housing and Urban Development shall provide grants to (1) state, local, and tribal governments to remove barriers to building affordable units, (2) states to assist borrowers who have negative equity in their homes, (3) state housing finance agencies to support construction of affordable rental housing and prevent tenant displacement and harassment, and (4) eligible individuals (generally, lower income individuals who are first generation homebuyers) to help them purchase their first homes.

The bill establishes and provides funding for the first-time homeowner grant program and the affordable rental housing construction program, and it also funds existing rural housing programs.

The bill also requires financial regulators to generally assess the effectiveness of financial institutions in meeting the credit and lending needs of their communities, particularly of underserved populations. 

The bill also expands fair housing protections to prohibit discrimination based on sexual orientation, gender identity, marital status, source of income, veteran status, or an individual's perceived membership in a protected class (e.g., an individual's perceived race or sex).

Additionally, the bill modifies the estate tax in various ways, including by reducing the number of brackets to three, increasing the tax rates, and reducing the basic exemption amount. The bill also places additional taxes on high-income estates and trusts.

Timeline

7 actions

  1. Referred to the Subcommittee on Economic Opportunity.

    27 mars 2025 · Committee

  2. Referred to the Committee on Financial Services, and in addition to the Committees on the Judiciary, Veterans' Affairs, and Ways and Means, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.

    11 mars 2025 · IntroReferral

  3. Referred to the Committee on Financial Services, and in addition to the Committees on the Judiciary, Veterans' Affairs, and Ways and Means, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.

    11 mars 2025 · IntroReferral

  4. Referred to the Committee on Financial Services, and in addition to the Committees on the Judiciary, Veterans' Affairs, and Ways and Means, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.

    11 mars 2025 · IntroReferral

  5. Referred to the Committee on Financial Services, and in addition to the Committees on the Judiciary, Veterans' Affairs, and Ways and Means, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned.

    11 mars 2025 · IntroReferral

  6. Introduced in House

    11 mars 2025 · IntroReferral

  7. Introduced in House

    11 mars 2025 · IntroReferral

Sponsorship

26 cosponsors

Sponsor

Democrat:Rep. Cleaver, Emanuel [D-MO-5]MO

Cosponsors

  • Democrat26100%

Classification

Policy area

Finance and Financial Sector

Cosponsor momentum

Cumulative over time

Cosponsors grew from 23 on 11 mars 2025 to 26 on 12 juin 2025.

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