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

HR10325 was introduced on 2026-09-08 and referred to the House Committee on Financial Services. The bill would increase the mandatory contribution amount of Federal Home Loan Banks (FHLBs) to the Affordable Housing Program (AHP). Currently, FHLBs contribute 10% of their net income to AHP; this bill would raise that percentage. FHLBs are government-sponsored enterprises that are member-owned cooperatives, not publicly traded. The increased contribution would reduce FHLB net income, potentially lowering dividends paid to member banks. However, for large publicly traded banks like JPMorgan Chase, Bank of America, Wells Fargo, and Citigroup, FHLB dividends represent a negligible fraction of total revenue (less than 0.1%). The bill is at the earliest legislative stage—referred to committee—with no cosponsors and no companion bill in the Senate. Passage is uncertain and would require significant committee work and floor time. The impact on the housing finance system is structural but not material to public equity markets. No direct stock-level effects are expected.