H.R. 2094 · 119th Congress

HELPER Act of 2025

Introduced on Mar 14, 2025 by John H. Rutherford (R-FL-5). 153 cosponsors, 101 of them from another party. Latest action (Mar 14, 2025): Referred to the House Committee on Financial Services.

Stage
Introduced
Introduced
Mar 14, 2025
Cosponsors
153
101 from the other party
Policy area
Finance and Financial Sector
Open in the Congress explorerCongress.govAlert me

Progress

The furthest stage the measure reached. Simple and concurrent resolutions do not go to the President.

  1. Introduced
  2. 2Reported by committee
  3. 3Passed one chamber
  4. 4Passed both chambers
  5. 5Sent to the President
  6. 6Became law

Official title

To amend the National Housing Act to establish a mortgage insurance program for first responders, and for other purposes.

Summary

By the Congressional Research Service (Introduced in House, Mar 14, 2025). Public domain.

Homes for Every Local Protector, Educator, and Responder Act of 2025 or the HELPER Act of 2025

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.

Sponsor and cosponsors

Cosponsors by party as of the day they signed on. Original cosponsors signed on the day of introduction.

John H. RutherfordR-FL-5Sponsor

Democrats · 101

Independents · 1

Republicans · 51

Roll calls

Recorded votes on the measure. Most measures move by voice vote or unanimous consent, which record no individual positions.

No recorded roll call on this measure: it moved by voice vote or unanimous consent, or has not reached the floor.

History

Every action as published, oldest first. Roll calls link to how each member voted.

  1. Mar 14, 2025Introduced in House
  2. Mar 14, 2025Introduced in House
  3. Mar 14, 2025 · HouseReferred to the House Committee on Financial Services.

Committees

Committees and subcommittees the measure was referred to.

Agencies in its committees' jurisdiction

Analisa's mapping of committee jurisdiction to federal agencies; the bill may touch others, or none of these.

Who lobbied on it

Organizations whose lobbying reports (LD-2) name this measure. Spending is what they reported for those quarters on all issues, not on this measure alone.

  1. AMERICAN AMBULANCE ASSOCIATION6 reports
    $1.9M reported (all issues)
  2. CREDIT UNION NATIONAL ASSOCIATION, INC.6 reports
    $6.9M reported (all issues)
  3. INTERNATIONAL ASSOCIATION OF FIRE FIGHTERS6 reports
    $1.2M reported (all issues)Federal contractor: INTERNATIONAL ASSOCIATION OF FIREFIGHTERS$5,280 in contracts, FY2026AI match · 100%
  4. MORTGAGE BANKERS ASSOCIATION6 reports
    $4.4M reported (all issues)Federal contractor: MORTGAGE BANKERS ASSOCIATION$125K in contracts, FY2026AI match · 100%
  5. National Fraternal Order of Police6 reports
    $600K reported (all issues)
  6. National Troopers Coalition6 reports
    $60K reported (all issues)
  7. Peace Officers Research Association of California6 reports
    $300K reported (all issues)
  8. LOUISIANA SHERIFFS ASSOCIATION.5 reports
    $50K reported (all issues)
  9. Sergeants Benevolent Association of New York City2 reports
    $60K reported (all issues)
  10. Federal Law Enforcement Officers Association1 report
    $40K reported (all issues)

Reports filed in 2025, 2026.

Sources and method

Every figure on this page traces to these records.

  • Bill status: bills and resolutions, sponsors, actions, subjects and CRS summaries (U.S. Government Publishing Office (GovInfo), from Congress.gov (Library of Congress))GovInfo Bill Status bulk data (Congress.gov; summaries by the Congressional Research Service) · data current to Oct 9, 2026 · loaded Oct 9, 2026 · license: Public domain (U.S. Government work, 17 U.S.C. § 105)
  • Members of Congress, their terms, committees and identifiers (The @unitedstates project (from the Biographical Directory of the U.S. Congress, the House and the Senate))unitedstates/congress-legislators: legislators, committees and current committee membership · data current to Oct 3, 2026 · loaded Oct 3, 2026 · license: CC0 1.0 (public domain dedication)
  • House roll-call votes (Office of the Clerk, U.S. House of Representatives)Office of the Clerk, U.S. House of Representatives, roll-call vote records · data current to Oct 3, 2026 · loaded Oct 3, 2026 · license: Public domain (U.S. Government work, 17 U.S.C. § 105)
  • Senate roll-call votes and DW-NOMINATE scores (Voteview (UCLA Department of Political Science))Lewis, Jeffrey B., Keith Poole, Howard Rosenthal, Adam Boche, Aaron Rudkin, and Luke Sonnet (2026). Voteview: Congressional Roll-Call Votes Database. https://voteview.com/ · data current to Oct 3, 2026 · loaded Oct 3, 2026 · license: Free to use with the required citation
  • Lobbying disclosures (LD-1 registrations, LD-2 quarterly reports, LD-203 contribution reports) (Clerk of the U.S. House of Representatives)Clerk of the House, Lobbying Disclosure Act filings (organizations only; lobbyists' names are not loaded) · data current to Oct 9, 2026 · loaded Oct 9, 2026 · license: Public domain (U.S. Government work, 17 U.S.C. § 105)
  • Positions are shown only where a roll call recorded them; voice votes and unanimous consent record none.
  • Money and votes are shown side by side; neither explains the other.