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    <number>1514</number>
    <updateDate>2025-12-05T09:10:25Z</updateDate>
    <updateDateIncludingText>2025-12-05T09:10:25Z</updateDateIncludingText>
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    <introducedDate>2023-05-10</introducedDate>
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        <title>HELPER Act of 2023</title>
        <congress>118</congress>
        <number>3170</number>
        <type>HR</type>
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          <actionDate>2023-05-10</actionDate>
          <text>Referred to the House Committee on Financial Services.</text>
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        <text>Introduced in Senate</text>
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        <fullName>Sen. Rubio, Marco [R-FL]</fullName>
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        <sponsorshipDate>2023-05-10</sponsorshipDate>
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        <fullName>Sen. Brown, Sherrod [D-OH]</fullName>
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        <lastName>Brown</lastName>
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        <fullName>Sen. Warnock, Raphael G. [D-GA]</fullName>
        <firstName>Raphael</firstName>
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        <fullName>Sen. Menendez, Robert [D-NJ]</fullName>
        <firstName>Robert</firstName>
        <lastName>Menendez</lastName>
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        <state>NJ</state>
        <sponsorshipDate>2023-05-10</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
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      <item>
        <bioguideId>C001113</bioguideId>
        <fullName>Sen. Cortez Masto, Catherine [D-NV]</fullName>
        <firstName>Catherine</firstName>
        <lastName>Cortez Masto</lastName>
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        <state>NV</state>
        <sponsorshipDate>2023-05-10</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
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        <bioguideId>B001277</bioguideId>
        <fullName>Sen. Blumenthal, Richard [D-CT]</fullName>
        <firstName>Richard</firstName>
        <lastName>Blumenthal</lastName>
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        <state>CT</state>
        <sponsorshipDate>2023-05-10</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
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        <bioguideId>S001217</bioguideId>
        <fullName>Sen. Scott, Rick [R-FL]</fullName>
        <firstName>Rick</firstName>
        <lastName>Scott</lastName>
        <party>R</party>
        <state>FL</state>
        <sponsorshipDate>2023-05-18</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
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      <item>
        <bioguideId>B001230</bioguideId>
        <fullName>Sen. Baldwin, Tammy [D-WI]</fullName>
        <firstName>Tammy</firstName>
        <lastName>Baldwin</lastName>
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        <state>WI</state>
        <sponsorshipDate>2023-06-06</sponsorshipDate>
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        <bioguideId>C001070</bioguideId>
        <fullName>Sen. Casey, Robert P., Jr. [D-PA]</fullName>
        <firstName>Bob</firstName>
        <lastName>Casey</lastName>
        <party>D</party>
        <state>PA</state>
        <sponsorshipDate>2023-06-22</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
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        <bioguideId>H001046</bioguideId>
        <fullName>Sen. Heinrich, Martin [D-NM]</fullName>
        <firstName>Martin</firstName>
        <lastName>Heinrich</lastName>
        <party>D</party>
        <state>NM</state>
        <middleName>T.</middleName>
        <sponsorshipDate>2023-09-06</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
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      <item>
        <bioguideId>C000141</bioguideId>
        <fullName>Sen. Cardin, Benjamin L. [D-MD]</fullName>
        <firstName>Ben</firstName>
        <lastName>Cardin</lastName>
        <party>D</party>
        <state>MD</state>
        <sponsorshipDate>2023-09-11</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>R000584</bioguideId>
        <fullName>Sen. Risch, James E. [R-ID]</fullName>
        <firstName>James</firstName>
        <lastName>Risch</lastName>
        <party>R</party>
        <state>ID</state>
        <middleName>E.</middleName>
        <sponsorshipDate>2023-09-13</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>B001236</bioguideId>
        <fullName>Sen. Boozman, John [R-AR]</fullName>
        <firstName>John</firstName>
        <lastName>Boozman</lastName>
        <party>R</party>
        <state>AR</state>
        <sponsorshipDate>2023-09-27</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>B001288</bioguideId>
        <fullName>Sen. Booker, Cory A. [D-NJ]</fullName>
        <firstName>Cory</firstName>
        <lastName>Booker</lastName>
        <party>D</party>
        <state>NJ</state>
        <sponsorshipDate>2023-11-30</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>R000608</bioguideId>
        <fullName>Sen. Rosen, Jacky [D-NV]</fullName>
        <firstName>Jacklyn</firstName>
        <lastName>Rosen</lastName>
        <party>D</party>
        <state>NV</state>
        <sponsorshipDate>2023-12-14</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>C001075</bioguideId>
        <fullName>Sen. Cassidy, Bill [R-LA]</fullName>
        <firstName>Bill</firstName>
        <lastName>Cassidy</lastName>
        <party>R</party>
        <state>LA</state>
        <sponsorshipDate>2024-01-30</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
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      <item>
        <bioguideId>M001190</bioguideId>
        <fullName>Sen. Mullin, Markwayne [R-OK]</fullName>
        <firstName>Markwayne</firstName>
        <lastName>Mullin</lastName>
        <party>R</party>
        <state>OK</state>
        <sponsorshipDate>2024-02-09</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
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        <bioguideId>K000383</bioguideId>
        <fullName>Sen. King, Angus S., Jr. [I-ME]</fullName>
        <firstName>Angus</firstName>
        <lastName>King</lastName>
        <party>I</party>
        <state>ME</state>
        <middleName>S.</middleName>
        <sponsorshipDate>2024-03-05</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
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      <item>
        <bioguideId>K000377</bioguideId>
        <fullName>Sen. Kelly, Mark [D-AZ]</fullName>
        <firstName>Mark</firstName>
        <lastName>Kelly</lastName>
        <party>D</party>
        <state>AZ</state>
        <sponsorshipDate>2024-03-05</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>L000570</bioguideId>
        <fullName>Sen. Lujan, Ben Ray [D-NM]</fullName>
        <firstName>Ben</firstName>
        <lastName>Luján</lastName>
        <party>D</party>
        <state>NM</state>
        <middleName>R.</middleName>
        <sponsorshipDate>2024-04-10</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>S001181</bioguideId>
        <fullName>Sen. Shaheen, Jeanne [D-NH]</fullName>
        <firstName>Jeanne</firstName>
        <lastName>Shaheen</lastName>
        <party>D</party>
        <state>NH</state>
        <sponsorshipDate>2024-04-16</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>H001076</bioguideId>
        <fullName>Sen. Hassan, Margaret Wood [D-NH]</fullName>
        <firstName>Maggie</firstName>
        <lastName>Hassan</lastName>
        <party>D</party>
        <state>NH</state>
        <sponsorshipDate>2024-04-17</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
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        <bioguideId>M001153</bioguideId>
        <fullName>Sen. Murkowski, Lisa [R-AK]</fullName>
        <firstName>Lisa</firstName>
        <lastName>Murkowski</lastName>
        <party>R</party>
        <state>AK</state>
        <sponsorshipDate>2024-05-15</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
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      <item>
        <bioguideId>F000479</bioguideId>
        <fullName>Sen. Fetterman, John [D-PA]</fullName>
        <firstName>John</firstName>
        <lastName>Fetterman</lastName>
        <party>D</party>
        <state>PA</state>
        <middleName>K.</middleName>
        <sponsorshipDate>2024-05-15</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
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        <bioguideId>C001035</bioguideId>
        <fullName>Sen. Collins, Susan M. [R-ME]</fullName>
        <firstName>Susan</firstName>
        <lastName>Collins</lastName>
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        <state>ME</state>
        <middleName>M.</middleName>
        <sponsorshipDate>2024-06-04</sponsorshipDate>
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        <bioguideId>H001042</bioguideId>
        <fullName>Sen. Hirono, Mazie K. [D-HI]</fullName>
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        <state>HI</state>
        <middleName>K.</middleName>
        <sponsorshipDate>2024-09-11</sponsorshipDate>
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        <bioguideId>H000273</bioguideId>
        <fullName>Sen. Hickenlooper, John W. [D-CO]</fullName>
        <firstName>John</firstName>
        <lastName>Hickenlooper</lastName>
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        <state>CO</state>
        <middleName>W.</middleName>
        <sponsorshipDate>2024-09-11</sponsorshipDate>
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        <fullName>Sen. Peters, Gary C. [D-MI]</fullName>
        <firstName>Gary</firstName>
        <lastName>Peters</lastName>
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        <state>MI</state>
        <sponsorshipDate>2024-09-25</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
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        <bioguideId>G000555</bioguideId>
        <fullName>Sen. Gillibrand, Kirsten E. [D-NY]</fullName>
        <firstName>Kirsten</firstName>
        <lastName>Gillibrand</lastName>
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        <state>NY</state>
        <middleName>E.</middleName>
        <sponsorshipDate>2024-09-25</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
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        <bioguideId>S001198</bioguideId>
        <fullName>Sen. Sullivan, Dan [R-AK]</fullName>
        <firstName>Dan</firstName>
        <lastName>Sullivan</lastName>
        <party>R</party>
        <state>AK</state>
        <sponsorshipDate>2024-11-13</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
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    </cosponsors>
    <policyArea>
      <name>Finance and Financial Sector</name>
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    <subjects>
      <legislativeSubjects>
        <item>
          <name>First responders and emergency personnel</name>
          <updateDate>2024-01-16T21:30:24Z</updateDate>
        </item>
        <item>
          <name>Housing finance and home ownership</name>
          <updateDate>2024-01-16T21:30:24Z</updateDate>
        </item>
        <item>
          <name>Life, casualty, property insurance</name>
          <updateDate>2024-01-16T21:30:24Z</updateDate>
        </item>
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      <policyArea>
        <name>Finance and Financial Sector</name>
        <updateDate>2023-05-24T13:15:25Z</updateDate>
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    <summaries>
      <summary>
        <versionCode>00</versionCode>
        <actionDate>2023-05-10</actionDate>
        <actionDesc>Introduced in Senate</actionDesc>
        <updateDate>2024-01-22T15:14:48Z</updateDate>
        <cdata>
          <text>&lt;p&gt;&lt;strong&gt;Homes for Every Local Protector, Educator, and Responder Act of 2023 or the HELPER Act of 2023&lt;/strong&gt;&lt;/p&gt; &lt;p&gt;This bill establishes a program administered by the Department of Housing and Urban Development to provide mortgage assistance to law enforcement officers, elementary and secondary school teachers, firefighters, or other first responders. Specifically, these individuals may be eligible for a first-time mortgage on a primary family residence with no down payment. Instead, the mortgage is subject to a one-time, up-front mortgage insurance premium. &lt;/p&gt;</text>
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    <title>HELPER Act of 2023</title>
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        <title>HELPER Act of 2023</title>
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        <title>HELPER Act of 2023</title>
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        <titleType>Short Title(s) as Introduced</titleType>
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        <title>Homes for Every Local Protector, Educator, and Responder Act of 2023</title>
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      <item>
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        <titleTypeCode>6</titleTypeCode>
        <title>A bill to amend the National Housing Act to establish a mortgage insurance program for first responders, and for other purposes.</title>
        <updateDate>2024-02-10T09:08:27Z</updateDate>
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      <actionDate>2024-03-12</actionDate>
      <text>Committee on Banking, Housing, and Urban Affairs. Hearings held.</text>
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    <dc:rights>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.</dc:rights>
    <dc:contributor>Congressional Research Service, Library of Congress</dc:contributor>
    <dc:description>This file contains bill summaries and statuses for federal legislation. A bill summary describes the most significant provisions of a piece of legislation and details the effects the legislative text may have on current law and federal programs. Bill summaries are authored by the Congressional Research Service (CRS) of the Library of Congress. As stated in Public Law 91-510 (2 USC 166 (d)(6)), one of the duties of CRS is "to prepare summaries and digests of bills and resolutions of a public general nature introduced in the Senate or House of Representatives". For more information, refer to the User Guide that accompanies this file.</dc:description>
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