Improving Access to Workers’ Compensation for Injured Federal Workers Act

House Bill

H.R. 3170

119th Congress

Improving Access to Workers’ Compensation for Injured Federal Workers Act

Ordered to be Reported (Amended) by the Yeas and Nays: 34 - 0.

Introduced:Sep 30, 2025

Primary Sponsor

Tim Walberg

Representative

Republican

MI-5

Cosponsors

146

Quick Stats

Policy Area

Finance and Financial Sector

Summary

The Homes for Every Local Protector, Educator, and Responder Act (HELPER Act) would establish a program to provide mortgage assistance to law enforcement officers, teachers, firefighters, and other first responders. This would allow these public servants to purchase a primary home with no down payment, instead paying a one-time insurance premium.

Latest Action

Referred to the House Committee on Financial Services.

AI Summary

Plain-English explanation of this bill

The Homes for Every Local Protector, Educator, and Responder Act (HELPER Act) would establish a program to provide mortgage assistance to law enforcement officers, teachers, firefighters, and other first responders. This would allow these public servants to purchase a primary home with no down payment, instead paying a one-time insurance premium.

Last updated: 12/29/2025

Official Summary

Congressional Research Service summary

Homes for Every Local Protector, Educator, and Responder Act of 2023 or the HELPER Act of 2023 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.

Key Points

Main provisions of the bill

Provides mortgage assistance for law enforcement, teachers, firefighters, and other first responders to purchase a primary home
Allows these individuals to buy a home with no down payment, just a one-time insurance premium
Administered by the Department of Housing and Urban Development
Aims to help public servants access affordable housing
Bipartisan support with 146 cosponsors

How This Impacts Americans

Potential effects on citizens and communities

If passed, this bill would make homeownership more accessible for crucial public sector workers like police, firefighters, and teachers. This could help these professions attract and retain talent, especially in high-cost housing markets. The program would directly benefit thousands of public servants across the country by reducing the upfront costs of buying a home.

Policy Areas

Primary Policy Area

Finance and Financial Sector

Related Subjects

First responders and emergency personnel

Housing finance and home ownership

Life, casualty, property insurance

Scope & Jurisdiction

Jurisdiction Level

federal

Congressional Session

119th Congress

Citation Reference

3170, 119th Congress (2025). "Improving Access to Workers’ Compensation for Injured Federal Workers Act". Source: Voter's Right Platform. https://votersright.org/bills/118-hr-3170