S. 978: HELPER Act of 2025 · Congress Swing Tracker

S. 978119th CongressFinance and Financial Sector

HELPER Act of 2025

Sponsored by Sen. Ashley Moody (R-FL) · 27 active : 9 Republicans, 18 Democrats

Latest action: Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

Read the summary

Where it standsBefore the Senate

Hasn’t passed either chamber

Senate: next
House: not yet
President: not yet

2 senators score as swing votes

Summary

, via Congress.gov

Summary on Congress.gov

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.

Committees and subjects

Committees

Senate Committee on Banking, Housing, and Urban Affairs · SenateReferred to

Subjects

No legislative subjects recorded yet. Similar-vote matching falls back to the policy area.

Senate · 100 House · 433

Model

v3defaultv2

Directional: count only breaks toward the other party Why do scores change?

How the Senate breaks down

2Swing 70–100
48Middle 30–70
50Entrenched 0–30

Members fall into . All 100 senators have enough data to score.

Key players in the Senate

Ranked by swing score, 0–100 · swing-v2

Bars show each input from 0 to 100: ideology gap, scorecard gap, . is the seat’s partisan lean, and shows how much of the input data a score has.

1
Susan M. CollinsRepublican · Maine · Lean D+4On the ballot

Similar past votes, Senate

Earlier behind swing-v3’s input

Similar votes count toward swing-v3 in the Senate: total similarity weight 10.5 (needs 5.0).

H.R. 3633 · Sep 15, 2026 · Roll call 893On Cloture on the Motion to ProceedTo provide for a system of regulation of the offer and sale of digital commodities by the Securities and Exchange Commission and the Commodity Futures Trading Commission, to amend the Federal Reserve Act to prohibit the Federal reserve banks from offering certain products or services directly to an individual, to prohibit the use of central bank digital currency for monetary policy, and for other purposes.
Cloture on the Motion to Proceed RejectedSame policy area×0.5
S.J.Res. 130 · May 13, 2026 · Roll call 782On the Motion to ProceedA joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to withdrawal of the rule relating to "Consumer Financial Protection Circular 2024-05: Improper Overdraft Opt-In Practices".
Motion to Proceed RejectedSame policy area×0.5
S.J.Res. 141 · May 13, 2026 · Roll call 781On the Motion to ProceedA joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to the withdrawal of the rule relating to "Debt Collection Practices (Regulation F); Deceptive and Unfair Collection of Medical Debt".
Motion to Proceed RejectedSame policy area×0.5
S.J.Res. 132 · May 13, 2026 · Roll call 780On the Motion to ProceedA joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to the withdrawal of the rule relating to "Examinations for Risks to Active-Duty Servicemembers and Their Covered Dependents".
Motion to Proceed RejectedSame policy area×0.5
S. 1582 · Jun 17, 2025 · Roll call 318On Passage of the BillA bill to provide for the regulation of payment stablecoins, and for other purposes.
Bill PassedSame policy area×0.5
S. 1582 · Jun 12, 2025 · Roll call 312On the Cloture MotionA bill to provide for the regulation of payment stablecoins, and for other purposes.
Cloture Motion Agreed toSame policy area×0.5
S. 1582 · Jun 12, 2025 · Roll call 311On the AmendmentIn the nature of a substitute.
Amendment Agreed toSame policy area×0.5
S. 1582 · Jun 12, 2025 · Roll call 310On the MotionIn the nature of a substitute.
Motion Agreed toSame policy area×0.5

Show 13 more

S. 1582 · Jun 11, 2025 · Roll call 305On the Cloture MotionA bill to provide for the regulation of payment stablecoins, and for other purposes.
Cloture Motion Agreed toSame policy area×0.5
S. 1582 · May 21, 2025 · Roll call 263On the Motion to ProceedA bill to provide for the regulation of payment stablecoins, and for other purposes.
Motion to Proceed Agreed toSame policy area×0.5
S. 1582 · May 19, 2025 · Roll call 262On Cloture on the Motion to ProceedA bill to provide for the regulation of payment stablecoins, and for other purposes.
Cloture on the Motion to Proceed Agreed toSame policy area×0.5
S. 1582 · May 8, 2025 · Roll call 240On the Cloture Motion

Cosponsors

27 active

Show all 27 cosponsors

How the swing score works

Ideology gapHow far a member’s DW-NOMINATE voting score sits from their party’s median in the same chamber.

Scorecard gapHow far their Heritage Action and LCV ratings stray from their party’s average, using the groups’ votes on similar bills where available.

Cross-pressureHow strongly their district or state leans toward the other party, from our own computed partisan lean.

Similar votesHow often they voted against their own party on earlier roll calls about this bill or similar ones.

Committee bonusMembers of the committees handling the bill decide whether it moves, so they get a boost.

Cosponsor checkThe sponsor and active cosponsors have already committed, so they drop toward entrenched.