119th Congress · introduced in the House · May 6, 2025
Protecting America's Property Rights Act
Official title from Congress.gov
Latest action (May 6, 2025): Referred to the House Committee on Financial Services.
View on Congress.govPolicy area: Finance and Financial Sector
Congressional Research Service summary, version: Introduced in House (May 6, 2025)
Protecting America's Property Rights Act
This bill directs the government-sponsored enterprises—Fannie Mae and Freddie Mac—to establish standards for the use of products such as title insurance. (The enterprises facilitate liquidity in the mortgage market by purchasing mortgages and issuing mortgage-backed securities.)
Specifically, the enterprises must establish regulations or guidelines for risk management related to loss or damage from liens upon, encumbrances on, or defects in the title to property, or the invalidity or unenforceability of any liens or encumbrances on property by using third party products subject to state regulation.
Further, the enterprises must hold an additional 1% of the unpaid principal of any mortgage that does not meet the above regulations or guidelines as part of each enterprise’s minimum capital levels.
Includes amendment, cloture, and procedural votes. Each is labeled with its exact question; only a passage question is a vote to pass the bill.
No recorded roll calls on this bill in coverage.
Referred to the House Committee on Financial Services.
Introduced in House
Introduced in House
Actions from Congress.gov, newest first.
LD-2 reports whose issue descriptions explicitly cite this bill (bill type and number validated against Congress.gov records). A citation does not establish the client's position or any contact with a member.
Loading lobbying reportsCoverage: reports for 2025 onward, posted Jan 1, 2025 through Oct 24, 2026.
47 citations; showing the 25 most recently posted.
FIRST AMERICAN FINANCIAL CORPORATION · lobbying firm or registrant: FIRST AMERICAN FINANCIAL CORPORATION
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Housing
$80,000
Spent on own lobbying
H.R. 1640: HEIRS ESTATE INHERITANCE RESOLUTION AND SUCCESSION ACT OF 2025 (HEIRS) ACT OF 2025; PROVISIONS RELATED TO TITLES H.R. 3206: PROTECTING AMERICA'S PROPERTY RIGHTS ACT; PROVISIONS RELATED TO GOVERNMENT SPONSORED ENTERPRISES (GSE) TITLE INSURANCE AND OTHER REQUIREMENTS H.R. 6644: 21ST…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
FIRST AMERICAN FINANCIAL CORPORATION · lobbying firm or registrant: FIRST AMERICAN FINANCIAL CORPORATION
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Insurance
$80,000
Spent on own lobbying
H.R. 3206: PROTECTING AMERICA'S PROPERTY RIGHTS ACT; PROVISIONS RELATED TO GOVERNMENT SPONSORED ENTERPRISES (GSE) TITLE INSURANCE AND OTHER REQUIREMENTS H.R. 10184: CONS…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMERICAN LAND TITLE ASSOCIATION · lobbying firm or registrant: AMERICAN LAND TITLE ASSOCIATION
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Real Estate/Land Use/Conservation
$250,000
Spent on own lobbying
General education on the risks posed by unregulated alternatives to title insurance. HR 3206, the Protecting Americas Property Rights Act, whole bill HR 1777, the Securing and Enabling Commerce Using Remote and Electronic (SECURE) Notarization Act, who…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
TEXAS LAND TITLE ASSOCIATION · lobbying firm or registrant: THE PENNSYLVANIA AVENUE GROUP
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Banking
$20,000
Paid to lobbying firm
Issues impacting the land title industry; HR 3206, Protecting America's Property Rights Act.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
MORTGAGE BANKERS ASSOCIATION · lobbying firm or registrant: MORTGAGE BANKERS ASSOCIATION
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Housing
$840,000
Spent on own lobbying
…R. 8532To amend title 38 to align elements of the housing loan program of the H.R. 7131To amend title 38 to modify the maximum guarantee amount of certain home H.R. 3206Protecting America's Property Rights Act H.R. 3694VALID Act of 2025 H.R. 4957Rural Housing Service Reform Act H.R. 6047Sharri Briley and Eric Edmundson Veterans…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMERICAN LAND TITLE ASSOCIATION · lobbying firm or registrant: RESOLUTION PUBLIC AFFAIRS, LLC
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Housing
$40,000
Paid to lobbying firm
Issues related to impact of GSE-proposed use of legal Opinion Letters in lieu of title insurance for certain mortgage products H.R. 3206, the Protecting Americas Property Rights Act Issues related to wire fraud in mortgage transactions.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
BROKER ACTION COALITION · lobbying firm or registrant: FORBES-TATE
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 20, 2026 · issue area: Housing
$60,000
Paid to lobbying firm
Issues related to H.R. 5508 - Mortgage Insurance Freedom Act; Issues related to H.R. 3206 - Protecting Americas Property Rights Act.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
FIDELITY NATIONAL FINANCIAL · lobbying firm or registrant: WILLIAMS AND JENSEN, PLLC
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 19, 2026 · issue area: Insurance
$50,000
Paid to lobbying firm
Issues related to title insurance, HR 3206 Protecting America's Property Rights Act.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
FIDELITY NATIONAL FINANCIAL · lobbying firm or registrant: WILLIAMS AND JENSEN, PLLC
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 19, 2026 · issue area: Financial Institutions/Investments/Securities
$50,000
Paid to lobbying firm
H.R. 3206, Protecting Americas Property Rights Act.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
DOMA HOLDINGS, INC · lobbying firm or registrant: BROWNSTEIN HYATT FARBER SCHRECK, LLP
2026 Q3 report (Jul 1, 2026 – Sep 30, 2026) · posted Oct 16, 2026 · issue area: Financial Institutions/Investments/Securities
$40,000
Paid to lobbying firm
Financial services policy with specific emphasis on title insurance H.R. 3206 Protecting America's Property Rights Act
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
TEXAS LAND TITLE ASSOCIATION · lobbying firm or registrant: THE PENNSYLVANIA AVENUE GROUP
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 21, 2026 · issue area: Banking
$20,000
Paid to lobbying firm
Issues impacting the land title industry; HR 3206, Protecting America's Property Rights Act.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
MORTGAGE BANKERS ASSOCIATION · lobbying firm or registrant: MORTGAGE BANKERS ASSOCIATION
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 21, 2026 · issue area: Housing
$1,220,000
Spent on own lobbying
…eral Housing Administration and for other purposes H.R. 7131To amend title 38 to modify the maximum guarantee amount of certain home loans guaranteed by the VA H.R. 3206Protecting America's Property Rights Act H.R. 9237Take Care of America's Veterans Act H.R. 3694VALID Act of 2025 H.R. 4957Rural Housing Service Reform Act H.R.…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
FIRST AMERICAN FINANCIAL CORPORATION · lobbying firm or registrant: FIRST AMERICAN FINANCIAL CORPORATION
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 20, 2026 · issue area: Housing
$100,000
Spent on own lobbying
H.R. 1640: HEIRS ESTATE INHERITANCE RESOLUTION AND SUCCESSION ACT OF 2025 (HEIRS) ACT OF 2025; PROVISIONS RELATED TO TITLES H.R. 3206: PROTECTING AMERICA'S PROPERTY RIGHTS ACT; PROVISIONS RELATED TO GOVERNMENT SPONSORED ENTERPRISES (GSE) TITLE INSURANCE AND OTHER REQUIREMENTS H.R. 6644: 21ST…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
FIRST AMERICAN FINANCIAL CORPORATION · lobbying firm or registrant: FIRST AMERICAN FINANCIAL CORPORATION
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 20, 2026 · issue area: Insurance
$100,000
Spent on own lobbying
H.R. 3206: PROTECTING AMERICA'S PROPERTY RIGHTS ACT; PROVISIONS RELATED TO GOVERNMENT SPONSORED ENTERPRISES (GSE) TITLE INSURANCE AND OTHER REQUIREMENTS H.R. 6644: 21ST…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
BROKER ACTION COALITION · lobbying firm or registrant: FORBES-TATE
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 20, 2026 · issue area: Housing
$80,000
Paid to lobbying firm
Issues related to the Homebuyers Privacy Protection Act (P.L. 119-36); Issues related to H.R. 5508 - Mortgage Insurance Freedom Act; Issues related to H.R. 3206 - Protecting Americas Property Rights Act.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMERICAN LAND TITLE ASSOCIATION · lobbying firm or registrant: AMERICAN LAND TITLE ASSOCIATION
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 20, 2026 · issue area: Real Estate/Land Use/Conservation
$260,000
Spent on own lobbying
General education on the risks posed by unregulated alternatives to title insurance. HR 3206, the Protecting Americas Property Rights Act, whole bill HR 1777, the Securing and Enabling Commerce Using Remote and Electronic (SECURE) Notarization Act, who…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
FIDELITY NATIONAL FINANCIAL · lobbying firm or registrant: WILLIAMS AND JENSEN, PLLC
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 20, 2026 · issue area: Insurance
$50,000
Paid to lobbying firm
Issues related to title insurance, HR 3206 Protecting America's Property Rights Act.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
FIDELITY NATIONAL FINANCIAL · lobbying firm or registrant: WILLIAMS AND JENSEN, PLLC
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 20, 2026 · issue area: Financial Institutions/Investments/Securities
$50,000
Paid to lobbying firm
H.R. 3206, Protecting Americas Property Rights Act.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMERICAN LAND TITLE ASSOCIATION · lobbying firm or registrant: RESOLUTION PUBLIC AFFAIRS, LLC
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 19, 2026 · issue area: Housing
$40,000
Paid to lobbying firm
Issues related to impact of GSE-proposed use of legal Opinion Letters in lieu of title insurance for certain mortgage products H.R. 3206, the Protecting Americas Property Rights Act Issues related to wire fraud in mortgage transactions.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
DOMA HOLDINGS, INC · lobbying firm or registrant: BROWNSTEIN HYATT FARBER SCHRECK, LLP
2026 Q2 report (Apr 1, 2026 – Jun 30, 2026) · posted Jul 17, 2026 · issue area: Financial Institutions/Investments/Securities
$40,000
Paid to lobbying firm
Financial services policy with specific emphasis on title insurance H.R. 3206 Protecting America's Property Rights Act
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
TEXAS LAND TITLE ASSOCIATION · lobbying firm or registrant: THE PENNSYLVANIA AVENUE GROUP
2026 Q1 report (Jan 1, 2026 – Mar 31, 2026) · posted Apr 21, 2026 · issue area: Banking
$20,000
Paid to lobbying firm
Issues impacting the land title industry; HR 3206, Protecting America's Property Rights Act.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
FIRST AMERICAN FINANCIAL CORPORATION · lobbying firm or registrant: FIRST AMERICAN FINANCIAL CORPORATION
2026 Q1 report (Jan 1, 2026 – Mar 31, 2026) · posted Apr 20, 2026 · issue area: Housing
$110,000
Spent on own lobbying
H.R. 1640: HEIRS ESTATE INHERITANCE RESOLUTION AND SUCCESSION ACT OF 2025 (HEIRS) ACT OF 2025; PROVISIONS RELATED TO TITLES H.R. 3206: PROTECTING AMERICA'S PROPERTY RIGHTS ACT; PROVISIONS RELATED TO GOVERNMENT SPONSORED ENTERPRISES (GSE) TITLE INSURANCE AND OTHER REQUIREMENTS H.R. 6644: 21ST…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
FIRST AMERICAN FINANCIAL CORPORATION · lobbying firm or registrant: FIRST AMERICAN FINANCIAL CORPORATION
2026 Q1 report (Jan 1, 2026 – Mar 31, 2026) · posted Apr 20, 2026 · issue area: Insurance
$110,000
Spent on own lobbying
H.R. 3206: PROTECTING AMERICA'S PROPERTY RIGHTS ACT; PROVISIONS RELATED TO GOVERNMENT SPONSORED ENTERPRISES (GSE) TITLE INSURANCE AND OTHER REQUIREMENTS H.R. 6644: 21ST…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
AMERICAN LAND TITLE ASSOCIATION · lobbying firm or registrant: AMERICAN LAND TITLE ASSOCIATION
2026 Q1 report (Jan 1, 2026 – Mar 31, 2026) · posted Apr 20, 2026 · issue area: Real Estate/Land Use/Conservation
$230,000
Spent on own lobbying
General education on the risks posed by unregulated alternatives to title insurance. HR 3206, the Protecting Americas Property Rights Act, whole bill HR 1777, the Securing and Enabling Commerce Using Remote and Electronic (SECURE) Notarization Act, who…
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing
BROKER ACTION COALITION · lobbying firm or registrant: FORBES-TATE
2026 Q1 report (Jan 1, 2026 – Mar 31, 2026) · posted Apr 18, 2026 · issue area: Housing
$80,000
Paid to lobbying firm
Issues related to the Homebuyers Privacy Protection Act (P.L. 119-36); Issues related to H.R. 5508 - Mortgage Insurance Freedom Act; Issues related to H.R. 3206 - Protecting Americas Property Rights Act.
Congress inferred from the report year; bill number and the title cited with it match Congress.gov records, and the bill predates the report. The amount is lobbying spending for every issue on this report, not this bill alone, and none of it is paid to any member of Congress. View filing