The Protecting American Taxpayers and Homeowners (PATH) Act of 2013 (H.R. 2767) was a proposed bill introduced in the U.S. House of Representatives in the 113th Congress. Its primary purpose was to wind down Fannie Mae and Freddie Mac (the Enterprises or GSEs) by terminating their conservatorship five years after enactment and appointing the FHFA Director as receiver to privatize their functions and eliminate taxpayer exposure to future bailouts, thereby reducing the government's role in the housing finance system. Key provisions included: definitions for terms; limitations on Enterprise authority; reforms to the Federal Home Loan Bank (FHLB) system such as combining banks and electing directors; right-sizing the FHA by reducing loan limits (e.g., conforming limit to 115% of area median home price, max $625,500), increasing minimum down payments to 5% for non-first-time buyers, implementing credit risk-sharing with private sector (at least 10% of new business), and reducing mortgage insurance coverage from 100% to 50% over five years; spinning off FHA from HUD; market reforms to increase competition and private capital in mortgages; provisions on mortgage servicers (e.g., notice of junior liens, limits on servicer holdings); incorporation of H.R. 1553 for financial institution examination fairness; and miscellaneous provisions preserving access to manufactured housing. The bill aimed to enhance transparency and protect taxpayers post-2008 crisis. It did not pass and expired at the end of the 113th Congress.