U.S. Congress - Blog Articles for H.R.3915 Mortgage Reform and Anti-Predatory Lending Act of 2007
H.R.3915 - Mortgage Reform and Anti-Predatory Lending Act of 2007
To amend the Truth in Lending Act to reform consumer mortgage practices and provide accountability for such practices, to establish licensing and registration requirements for residential mortgage originators, to provide certain minimum standards for consumer mortgage loans, and for other purposes. view all titles (6)
All Bill Titles
- Short: Mortgage Reform and Anti-Predatory Lending Act of 2007 as reported to house.
- Official: To amend the Truth in Lending Act to reform consumer mortgage practices and provide accountability for such practices, to establish licensing and registration requirements for residential mortgage originators, to provide certain minimum standards for consumer mortgage loans, and for other purposes. as introduced.
- Short: Expand and Preserve Home Ownership Through Counseling Act as passed house.
- Short: Mortgage Reform and Anti-Predatory Lending Act of 2007 as introduced.
- Short: Mortgage Reform and Anti-Predatory Lending Act of 2007 as passed house.
- Short: Expand and Preserve Home Ownership Through Counseling Act as reported to house.
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HR 3915 Basics
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Kanjorski Announces Funding For Mortgage Counseling
In November, the US House of Representatives passed HR 3915, the Mortgage Reform and Anti-Predatory Lending Act. Currently pending in the Senate, this bill includes Chairman Kanjorskiâs Escrow, Appraisal, and Mortgage Servicing ...
Life continues to get tougher for mortgage brokers
HR 3915, which passed in the House of Representatives in November, would create a national registry and licensing system for loan "originators," including brokers, and require background checks and education requirements. ...
Synopsis: Duty of Care
HR 3915: Federal Duty of Care: The originator maintains a federal âduty of care.â This means that both the âduty of careâ standard under legal precedent must be met, as well as the conditions laid out within HR 3915. ...
HR 3915: Its Passing and the Message Conveyed
Market Update. by. Cyrus Khadivi. HR 3915: Its Passing and The Message Conveyed. We all know our economy has drastically been affected by the mortgage turmoil and the deterioration of credit. So naturally, everyone wants to suggest ...
Mortgage Opinions From Your Realtor®
âThankfully, there has been legislation introduced in the past few months, namely the Comprehensive Mortgage Reform and Anti-Predatory Lending Act (HR 3915), which is a step in the right direction but ultimately I believe the government ...
REP. Arcuri Leads Homeowner Protection Bill Through House
Arcuri (D-Utica) continued his commitment to help American families achieve the dream of homeownership in a responsible way by guiding the Mortgage Reform and Anti-Predatory Lending Act of 2007 (HR 3915) through the US House of ...
Mortgage Contract on the way?
With the house democrats voting 100% in favor of HR 3915 Mortgage Reform and Anti-Predatory Lending Act of 2007 - it appears that a national mortgage contract is going to be adopted for consumers that wish to take out a home mortgage. ...
From Boon to Crisis Revisited...
First, let's start with the abomination known as HR 3915 which thankfully looks to be collecting dust in committee in the Senate. This bill became the standard bearer for accomplishing all three things at once. ...
Mortgage Lenders Donât Want The Bill For Mortgage Problems
Mortgage Lenders Donât Want The Bill For Mortgage Problems. Within the bill (HR 3915: Mortgage Reform and Anti-Predatory Lendi...
*Magellan Mortgage Group* NO BRANCH FEES PER MONTH (by ...
Are you worried about the pending legislation HR 3915 getting passed by the United States Congress and affecting your business? Why not protect yourself and join a mortgage banking company? I am here to tell you about a professional ...
New mortgage law may have downside
As if that is not bad enough, The Mortgage Reform and Anti-Predatory lending Act of 2007 (HR 3915), now winding its way through Congress, would worsen their plight. That is not the intention, of course, but the law of unintended ...
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Lawyers a Drag on the Economy
Volpe also brings up HR 3915 and how it will again give growth to an already top heavy ,bulging government by requiring the registration of mortgage brokers through the Federal government . I read that part of this bill and myself ...
Dodd Exits Presidential Race; Focus Turns to Lenders
The bill, âThe Mortgage Reform and Anti-Predatory Lending Act of 2007, HR 3915,â presents a number of serious problems for the mortgage banking industry. For example, the Committeeâs press release notes the House Bill imposes on loan ...
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A step in the right direction!
Although this idea was first propsed in 2004, The House of Representatives incorporated it into HR 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007. The Nationwide Mortgage Licensing System or NMLS as it is being called, ...
Yield Spread Premiums
There is a bill in congress, the House version is HR 3915 that has passed both houses while it has several things positive points, would eliminate spread premiums (YSP). A yield spread premium is a rebate or fee paid to a mortgage ...
SUBPRIME PERFORMANCE
But a bill passed by the US House of Representatives, HR 3915, does impose a host of new regulations on lenders, including one rather sensible standard: The loans they make have to be ones borrowers can pay back. ...
REO BOOM
The House of Representatives recently passed HR 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007. Commentary on this legislation most often focuses on the restrictions that it would place on lenders seeking to make loans ...
Best of the worst: BloodhoundBlogâs most popular posts for 2007
Whatâs Wrong with zipRealty? by Russell Shaw; HR 3915 Is Dangerous by Brian Brady; HR 3915: Mortgage Reform and Anti-Predatory Lending Act of 2007 by Brian Brady; More on the iPhone⦠by Greg Swann; Is the Subprime Mortgage Market the ...
Speaking in tongues: Dynamically updated lists of links in PHP
Okay then: Go take a look at this article on HR 3915. Brian Brady wrote that post, and it was one of our most popular entries this year. BloodhoundBlog is the home of big stories on the RE.net, and, when we cover a big story, ...
New Law Targeted At Mortgage Lending Abuses
The objective of the bill (HR 3915) is to minimize problems stemming from the current mortgage crisis and protect borrowers from lending abuses that can lead to foreclosures. The bill would create a "duty of care standard" for ...
Lending reforms are years late, fall short
Miami Herald - The other, HR 3915, would create a national licensing registry for mortgage brokers and set minimum standards for home loans. A bill introduced by Senate Banking Chair Christopher Dodd contains similar p (more...)
House bill may worsen climate for subprime borrowers
As if that is not bad enough, The Mortgage Reform and Anti-Predatory lending Act of 2007 (HR 3915), now winding its way through Congress, would worsen their plight. That is not the intention, of course, but the law of unintended ...
HR 3915: Opening a Closet full of Skeletons
Since Wall Street could redefine crap as investment grade secured debt obligations âtil the cows came home, The spigot of cheap money for unqualified borrowers stayed on WAY too long. ⦠It is really easy to hide a bad deal when there ...
The Ironies of HR 3915
Now, Congress is coming in reigning haymakers with HR 3915. If this bill gets passed in a form even close to what it is now, it WILL end the area of sub prime. This WILL hurt the poor the most, and ultimately Congress WILL blame someone ...
HR 3915: Opening a Closet full of Skeletons
Now, unlike what the commenter indicates, Congress has come out with punitive action in HR 3915 against Wall Street. It is not only vague but doesn't address the issue properly. the bill also bars any liability for "pools of loans" or ...
Fed Proposes New Restrictions on Subprime, Alt-A Loans
15 approved a bill, HR 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007, which would limit prepayment penalties, set minimum standards for all mortgages that lenders assess a borrower's ability to repay, and expand HOEPA ...
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