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.
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Gilbert Ray Cisneros, Jr. bought K
Gilbert Ray Cisneros, Jr. bought K
Bill introduced
Robert P. Bresnahan, Jr. bought K
Robert P. Bresnahan, Jr. bought K
Lobbying filed by CREDIT UNION NATIONAL ASSOCIATION, INC. DBA AMERICA'S CREDIT UNIONS
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
| Registrant | Client | Amount | Filed | Period | Issues |
|---|---|---|---|---|---|
| CREDIT UNION NATIONAL ASSOCIATION. INC. DBA AMERICA'S CREDIT UNIONS | CREDIT UNION NATIONAL ASSOCIATION, INC. DBA AMERICA'S CREDIT UNIONS | $118.0M | Apr 11, 2025 | 2025Q1 | BANBUDSMB |
| CREDIT UNION NATIONAL ASSOCIATION. INC. DBA AMERICA'S CREDIT UNIONS | CREDIT UNION NATIONAL ASSOCIATION, INC. DBA AMERICA'S CREDIT UNIONS | $117.0M | Jul 11, 2025 | 2025Q2 | BANBUD |
Congress members who traded stocks in companies connected to lobbying on this bill, within 90 days of its introduction date.
| Member | Party | Ticker | Company | Trade | Date | Amount | Timing | Lobbying Client | Conflict |
|---|---|---|---|---|---|---|---|---|---|
| Robert P. Bresnahan, Jr. | R | K | K | Buy | Apr 8, 2025 | $1,001 - $15,000 | 27d after | SERGEANTS BENEVOLENT ASSOCIATION OF NEW YORK CITY | 37% |
| Robert P. Bresnahan, Jr. | R |
6 trades by 2 members of Congress in companies connected to lobbying on S 978. The average conflict score is 35%.
CapitolExposed identifies the "bill-lobbying-trade pipeline" by: (1) finding lobbying filings (LD-2) that specifically mention this bill, (2) matching lobbying clients to publicly traded companies, and (3) finding stock trades by members of Congress in those companies within 90 days of the bill's introduction date. Trades made before the bill was introduced are highlighted in red, as they may indicate advance knowledge. This analysis surfaces correlations worthy of scrutiny; it does not prove wrongdoing.
Lobbying filed by AMERICAN AMBULANCE ASSOCIATION
Gilbert Ray Cisneros, Jr. bought K
Lobbying filed by AMERICAN AMBULANCE ASSOCIATION
Lobbying filed by CREDIT UNION NATIONAL ASSOCIATION, INC. DBA AMERICA'S CREDIT UNIONS
Lobbying filed by MORTGAGE BANKERS ASSOCIATION
| MORTGAGE BANKERS ASSOCIATION | MORTGAGE BANKERS ASSOCIATION | $60.0M | Jul 21, 2025 | 2025Q2 | BANHOUTAX |
| AMERICAN AMBULANCE ASSOCIATION | AMERICAN AMBULANCE ASSOCIATION | $30.0M | Jul 8, 2025 | 2025Q2 | MMMHCRLBR |
| AMERICAN AMBULANCE ASSOCIATION | AMERICAN AMBULANCE ASSOCIATION | $30.0M | Apr 21, 2025 | 2025Q1 | MMMHCRLBR |
| INTERNATIONAL ASSOCIATION OF FIRE FIGHTERS | INTERNATIONAL ASSOCIATION OF FIRE FIGHTERS | $26.1M | Jul 22, 2025 | 2025Q2 | HOMLAWTRA |
| NATIONAL ASSOCIATION OF COLLEGE STORES | NATIONAL ASSOCIATION OF COLLEGE STORES | $26.0M | Apr 22, 2024 | 2024Q1 | BUDBANEDU |
| INTERNATIONAL ASSOCIATION OF FIRE FIGHTERS | INTERNATIONAL ASSOCIATION OF FIRE FIGHTERS | $17.0M | Apr 21, 2025 | 2025Q1 | BUDDISRET |
| NATIONAL FRATERNAL ORDER OF POLICE | NATIONAL FRATERNAL ORDER OF POLICE | $10.0M | Aug 11, 2025 | 2025Q2 | LAWRETTAX |
| NATIONAL FRATERNAL ORDER OF POLICE | NATIONAL FRATERNAL ORDER OF POLICE | $10.0M | Apr 24, 2025 | 2025Q1 | LAWRETTAX |
| NATIONAL ASSOCIATION OF COLLEGE STORES | NATIONAL ASSOCIATION OF COLLEGE STORES | $8.0M | Jul 22, 2024 | 2024Q2 | BUDBANEDU |
| ASSOCIATION OF COMMUNITY COLLEGE TRUSTEES | ASSOCIATION OF COMMUNITY COLLEGE TRUSTEES | $8.0M | Apr 19, 2024 | 2024Q1 | EDUBUDVET |
| NATIONAL ASSOCIATION OF COLLEGE STORES | NATIONAL ASSOCIATION OF COLLEGE STORES | $6.0M | Jan 21, 2025 | 2024Q4 | BUDBANEDU |
| NATIONAL ASSOCIATION OF COLLEGE STORES | NATIONAL ASSOCIATION OF COLLEGE STORES | $6.0M | Oct 21, 2024 | 2024Q3 | BUDBANEDU |
| STEPTOE LLP | PEACE OFFICERS RESEARCH ASSOCIATION OF CALIFORNIA | $5.0M | Jul 20, 2025 | 2025Q2 | LBRLAWTRU |
| STEPTOE LLP | PEACE OFFICERS RESEARCH ASSOCIATION OF CALIFORNIA | $5.0M | Apr 21, 2025 | 2025Q1 | LAWTRULBR |
| LONGBOW PUBLIC POLICY GROUP, LLC | FEDERAL LAW ENFORCEMENT OFFICERS ASSOCIATION | $4.0M | Apr 18, 2025 | 2025Q1 | BUDGOVHOU |
| LONGBOW PUBLIC POLICY GROUP, LLC | SERGEANTS BENEVOLENT ASSOCIATION OF NEW YORK CITY | $3.0M | Apr 18, 2025 | 2025Q1 | BUDLAWFOR |
| ASSOCIATION OF COMMUNITY COLLEGE TRUSTEES | ASSOCIATION OF COMMUNITY COLLEGE TRUSTEES | $2.0M | Jan 29, 2025 | 2024Q4 | AGRVETEDU |
| ASSOCIATION OF COMMUNITY COLLEGE TRUSTEES | ASSOCIATION OF COMMUNITY COLLEGE TRUSTEES | $2.0M | Nov 1, 2024 | 2024Q3 | EDUBUDVET |
| ASSOCIATION OF COMMUNITY COLLEGE TRUSTEES | ASSOCIATION OF COMMUNITY COLLEGE TRUSTEES | $2.0M | Aug 1, 2024 | 2024Q2 | EDUBUDVET |
| COVINO SMITH & SIMON, INC. (FORMERLY SIMON AND COMPANY, INC.) | MADISON WI | $1.1M | Jul 21, 2025 | 2025Q2 | HOUBUDTAX |
| DOUCET CONSULTING SOLUTIONS, LLC | LOUISIANA SHERIFFS' ASSOCIATION | $1.0M | Jul 15, 2025 | 2025Q2 | LAWHOU |
| K |
| K |
| Buy |
| Apr 8, 2025 |
| $1,001 - $15,000 |
| 27d after |
| MORTGAGE BANKERS ASSOCIATION |
| 37% |
| Gilbert Ray Cisneros, Jr. | D | K | K | Buy | Jan 24, 2025 | $1,001 - $15,000 | 47d before | SERGEANTS BENEVOLENT ASSOCIATION OF NEW YORK CITY | 32% |
| Gilbert Ray Cisneros, Jr. | D | K | K | Buy | Jan 24, 2025 | $1,001 - $15,000 | 47d before | MORTGAGE BANKERS ASSOCIATION | 32% |
| Gilbert Ray Cisneros, Jr. | D | K | K | Buy | Apr 29, 2025 | $1,001 - $15,000 | 48d after | SERGEANTS BENEVOLENT ASSOCIATION OF NEW YORK CITY | 36% |
| Gilbert Ray Cisneros, Jr. | D | K | K | Buy | Apr 29, 2025 | $1,001 - $15,000 | 48d after | MORTGAGE BANKERS ASSOCIATION | 36% |