Bills · HR 6169
IN COMMITTEE· 119TH CONGRESS
House BillHR 6169Agriculture and Food
Fair Credit for Farmers Act
INTRO NOV 20· LAST ACTION DEC 5
READING
16MIN
COSPONSORS
2
READER REACTIONS0 TOTAL
NO VOTES YET · BE THE FIRST
- Introduced only
LEGISLATIVE PROGRESS
STEP 2 / 8Introduced
In Committee
Reported
Passed House
Passed Senate
Conference
To President
Became Law
WHAT THE BILL DOES
AI-writtenVoters should care about this bill because it addresses the financial stability of a crucial part of the American economy: its farmers. Many farmers face unpredictable challenges like weather, market fluctuations, and high operating costs, which can make it difficult to keep up with loan payments. This bill aims to provide a safety net by offering a temporary reprieve from loan obligations and significantly reducing interest burdens, which could prevent foreclosures and allow struggling farms to stay in business.
If this bill becomes law, it could help a significant number of farmers weather tough economic times, maintain their livelihoods, and continue producing food for the nation. It also seeks to improve transparency and fairness in how federal agricultural agencies interact with farmers, potentially building more trust and ensuring that decisions are well-explained and justified. Without this bill, many farmers in distress might face greater financial pressure, potentially leading to farm closures and a more concentrated agricultural industry.
KEY PROVISIONS
5AI-extractedPROVISION 01
The bill allows eligible borrowers of direct federal farm loans to defer principal and interest payments for two years, and extends the loan's maturity date by two years.
This provides immediate financial relief to farmers struggling with loan payments, preventing defaults and allowing them time to stabilize their operations.
PROVISION 02
It reduces the interest rate on outstanding direct farm loans for eligible borrowers to 0.125 percent for the two-year deferment period.
A significantly lower interest rate during the deferment period further eases the financial burden on struggling farmers, reducing the total cost of their debt.
PROVISION 03
Lenders of guaranteed farm loans must waive guarantee fees for "covered producers" (limited resource, socially disadvantaged, beginning, and veteran farmers/ranchers) for at least two years.
This makes guaranteed loans more affordable and accessible for specific groups of farmers who historically face barriers to credit, supporting their entry and growth in agriculture.
PROVISION 04
The Department of Agriculture must provide clear, detailed reasons and relevant regulations when issuing adverse decisions on farm loans or program benefits.
This increases transparency and accountability in government decision-making, allowing farmers to understand denials better and potentially appeal more effectively.
PROVISION 05
The Secretary of Agriculture can only use a farmer's principal residence as collateral for a direct farm loan if other available assets are insufficient.
This provision protects a farmer's home from being the primary security for a loan, offering greater financial security and reducing the risk of losing their residence in case of default.
SPONSORSHIP
1 + 2
D· North Carolina
YRS IN OFFICE
11
BILLS LED
29
COSPONSOR BREAKDOWNBIPARTISAN · 0%
DEM 2 REP 0 IND 0
ACTION TIMELINE
4 EVENTSDEC 5
Referred to the Subcommittee on General Farm Commodities, Risk Management, and Credit.
NOV 20
Introduced in House
NOV 20
Referred to the House Committee on Agriculture.
NOV 20
Referred to the House Committee on Agriculture.
BILL INFO
TypeHouse Bill
NumberHR 6169
Congress119th
StatusIn Committee
IntroducedNov 20, 2025
Last actionDec 5, 2025
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IN COMMITTEE· 119TH CONGRESS · AGRICULTURE COMMITTEE · INTRODUCED NOV 20, 2025
House BillHR 6169Agriculture and Food
Fair Credit for Farmers Act
INTRODUCED NOV 20, 2025· LAST ACTION DEC 5, 2025
PASSAGE CHANCES
—%
READING
16 min
COSPONSORS
2
COMPLEXITY
Moderate
