Us Congress 2023-2024 Regular Session

Us Congress House Bill HR524

Caption

Providing for consideration of the bill (H.R. 3564) to cancel recent changes made by the Federal Housing Finance Agency to the up-front loan level pricing adjustments charged by Fannie Mae and Freddie Mac for guarantee of single-family mortgages, and for other purposes; providing for consideration of the bill (H.R. 3799) to amend the Internal Revenue Code of 1986 to provide for health reimbursement arrangements integrated with individual health insurance coverage; and providing for consideration of the resolution (H. Res. 461) condemning the use of elementary and secondary school facilities to provide shelter for aliens who are not admitted to the United States.

Impact

The implications of HR524 and the bills it encompasses are far-reaching. For H.R. 3564, should it pass, it could significantly alter the competitive landscape for mortgage financing by reversing regulatory changes that some argue are detrimental to home buyers. There are expected arguments both for and against these adjustments, as supporters claim they will stabilize the housing market, while critics may argue that it could reduce regulatory oversight that protects consumers. Regarding H.R. 3799, amendments to health reimbursement arrangements could expand the flexibility for small businesses and individuals when it comes to managing healthcare expenses, thus impacting healthcare accessibility and affordability for many Americans.

Summary

HR524 is a resolution that outlines procedures for the consideration of two significant bills: H.R. 3564 and H.R. 3799. H.R. 3564 aims to reverse recent regulatory changes instituted by the Federal Housing Finance Agency that affected pricing adjustments for mortgages guaranteed by Fannie Mae and Freddie Mac. The resolution also formalizes the process for debating and amending these bills. H.R. 3799, on the other hand, proposes amendments to the Internal Revenue Code concerning health reimbursement arrangements that are integrated with individual health insurance coverage. This dual focus on housing finance and health reimbursement highlights ongoing legislative efforts to address both economic and health policy issues in the current session of Congress.

Contention

During discussions surrounding HR524, points of contention may arise, particularly regarding the balancing act between regulatory oversight and market freedom in the housing sector. There are concerns that repealing certain regulations could lead to negative consequences for consumer protection in mortgage lending. Moreover, while the integration of health reimbursement arrangements into individual health insurance is generally seen as a positive step towards enhancing healthcare options, some lawmakers may resist changes that could further complicate the tax implications of healthcare spending. The interplay between these legislative priorities reflects broader debates within Congress about how best to support citizens economically while ensuring regulatory frameworks remain robust.

Companion Bills

US HB3564

Related Middle Class Borrower Protection Act of 2023

US HR461

Related Condemning the use of elementary and secondary school facilities to provide shelter for aliens who are not admitted to the United States.

US HB3799

Related CHOICE Arrangement Act Custom Health Option and Individual Care Expense Arrangement Act

Previously Filed As

US HR597

Providing for consideration of the bill (H.R. 3935) to amend title 49, United States Code, to reauthorize and improve the Federal Aviation Administration and other civil aviation programs, and for other purposes, and providing for consideration of the bill (H.R. 3941) to prohibit the use of the facilities of a public elementary school, a public secondary school, or an institution of higher education to provide shelter for aliens who have not been admitted into the United States, and for other purposes.

US HR1052

Providing for consideration of the bill (H.R. 2799) to make reforms to the capital markets of the United States, and for other purposes, and providing for consideration of the bill (H.R. 7511) to require the Secretary of Homeland Security to take into custody aliens who have been charged in the United States with theft, and for other purposes.

US HR383

Providing for consideration of the bill (H.R. 2) to secure the borders of the United States, and for other purposes, and providing for consideration of the bill (H.R. 1163) to provide incentives for States to recover fraudulently paid Federal and State unemployment compensation, and for other purposes.

US HR922

Providing for consideration of the bill (H.R. 1147) to amend the Richard B. Russell National School Lunch Act to allow schools that participate in the school lunch program under such Act to serve whole milk; providing for consideration of the bill (H.R. 357) to require the head of an agency to issue and sign any rule issued by that agency, and for other purposes; and for other purposes.

US HR1616

Providing for consideration of the bill (H.R. 115) to amend chapter 8 of title 5, United States Code, to provide for en bloc consideration in resolutions of disapproval for "midnight rules'', and for other purposes.

US HR994

Providing for consideration of the bill (H.R. 7160) to amend the Internal Revenue Code of 1986 to modify the limitation on the amount certain married individuals can deduct for State and local taxes, and providing for consideration of the resolution (H.Res. 987) denouncing the harmful, anti-American energy policies of the Biden administration, and for other purposes.

US HR530

Providing for consideration of the bill (H.R. 3944) making appropriations for military construction, the Department of Veterans Affairs, and related agencies for the fiscal year ending September 30, 2026, and for other purposes; providing for consideration of the bill (H.R. 275) to require the Secretary of Homeland Security to publish on a monthly basis the number of special interest aliens encountered attempting to unlawfully enter the United States, and for other purposes; providing for consideration of the bill (H.R. 875) to amend the Immigration and Nationality Act to provide that aliens who have been convicted of or who have committed an offense for driving while intoxicated or impaired are inadmissible and deportable; and providing for consideration of the resolution (H. Res. 516) condemning the violent June 2025 riots in Los Angeles, California.

US HR122

Providing for consideration of the bill (H.R. 77) to amend chapter 8 of title 5, United States Code, to provide for en bloc consideration in resolutions of disapproval for "midnight rules", and for other purposes.

US HR199

Providing for consideration of the bill (H.R. 140) to amend title 5, United States Code, to prohibit Federal employees from advocating for censorship of viewpoints in their official capacity, and for other purposes; providing for consideration of the joint resolution (H.J. Res. 27) providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Department of the Army, Corps of Engineers, Department of Defense and the Environmental Protection Agency relating to "Revised Definition of 'Waters of the United States'"; and providing for consideration of the bill (S. 619) to require the Director of National Intelligence to declassify information relating to the origin of COVID-19, and for other purposes.

US HR891

Providing for consideration of the bill (H.R. 5283) to prohibit the use of Federal funds to provide housing to specified aliens on any land under the administrative jurisdiction of the Federal land management agencies; providing for consideration of the bill (H.R. 5961) to freeze certain Iranian funds involved in the 2023 hostage deal between the United States and Iran, and for other purposes; and providing for consideration of the joint resolution (S. J. Res. 32) providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to "Small Business Lending Under the Equal Credit Opportunity Act (Regulation B)".

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US HR1430

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