Simplify mortgage paperwork rules

Fitzgerald’s Home Affordability Through Mortgage Simplification Act would change mortgage disclosure rules so lenders are not penalized for minor paperwork errors that do not harm borrowers. Borrowers’ existing rights to get money back would remain. Fitzgerald says the changes are intended to reduce unnecessary closing delays and make the mortgage process less costly and frustrating while keeping core borrower protections. The bill was introduced, not enacted.

Context: The passage does not specify which errors would qualify as minor or how the bill would define them.

In their own words

so lenders are not punished for minor, technical errors that do not harm borrowers

The source

Fitzgerald: original package of housing legislation

Published: Original date not established; campaign context manually checked
Retrieved: 11/12/2026