SHADE Act

House Bill

H.R. 4212

119th Congress

SHADE Act

In Committee

Introduced:Jun 26, 2025

Primary Sponsor

Steve Womack

Representative

Republican

AR-3

Cosponsors

16

Quick Stats

Policy Area

Taxation

Summary

The SHADE Act would make the mortgage insurance premium tax deduction permanent and raise the income threshold for phasing out this deduction. This would allow more middle-class homeowners to claim this tax break, reducing their overall tax burden.

Latest Action

Referred to the House Committee on Ways and Means.

SponsorSteve Womack (R-AR)

Introduced6/26/2025

StatusReferred to the House Committee on Financial Services.

ChamberHouse

Data from Congress.gov

See this page through your district lens

Enter ZIP to personalize representatives and vote context.

Stay on top of this issue

Subscribe for weekly bill and representative updates.

Vote Prediction

SHADE Act

The SHADE Act would make the mortgage insurance premium tax deduction permanent and raise the income threshold for phasing out this deduction. This would allow more middle-class homeowners to claim this tax break, reducing their overall tax burden.

Community Breakdown

Pass

0%

Fail

0%

0 predictions

The SHADE Act would make the mortgage insurance premium tax deduction permanent and raise the income threshold for phasing out this deduction. This would allow more middle-class homeowners to claim this tax break, reducing their overall tax burden.

Bill Number: 4212
Sponsor: Steve Womack (R-AR)
Introduced: 6/26/2025
Status: Referred to the House Committee on Financial Services.
Policy Area: Taxation

Data from Congress.gov

AI-generated summary

Fact Sheet

Title: SHADE Act
Bill Number: 4212
Sponsor: Steve Womack (R-AR)
Status: Referred to the House Committee on Financial Services.
Introduced: 6/26/2025
Summary: The SHADE Act would make the mortgage insurance premium tax deduction permanent and raise the income threshold for phasing out this deduction. This would allow more middle-class homeowners to claim this tax break, reducing their overall tax burden.

Data from Congress.gov

AI Summary

Plain-English explanation of this bill

The SHADE Act would make the mortgage insurance premium tax deduction permanent and raise the income threshold for phasing out this deduction. This would allow more middle-class homeowners to claim this tax break, reducing their overall tax burden.

Last updated: 12/30/2025

Official Summary

Congressional Research Service summary

Middle Class Mortgage Insurance Premium Act of 2023 This bill increases the adjusted gross income threshold for the phaseout of the mortgage insurance premium tax deduction and makes such deduction permanent.

Key Points

Main provisions of the bill

Permanently extends the mortgage insurance premium tax deduction
Increases the income threshold for phasing out this deduction, making it available to more middle-class homeowners
Aims to provide tax relief for homeowners, especially those with moderate incomes

How This Impacts Americans

Potential effects on citizens and communities

If passed, the SHADE Act would primarily benefit middle-class homeowners by allowing them to continue claiming the mortgage insurance premium tax deduction. This could save eligible taxpayers hundreds of dollars per year, providing more disposable income for other expenses or savings. The bill would particularly help first-time and lower-income homebuyers who often rely on mortgage insurance.