h 468 46918 1193025600 false 1195168320 1196658000 58 3915 6365 110 400280

11/15/2007--Passed House amended. Mortgage Reform and Anti-Predatory Lending Act of 2007 - Title I: Residential Mortgage Loan Origination - Subtitle A: Licensing System for Residential Mortgage Loan Originators - Encourages the states, through the Conference of State Bank Supervisors and the American Association of Residential Mortgage Regulators, to establish a Nationwide Mortgage Licensing System and Registry (NMLSR) for the residential mortgage industry. (Sec. 103) Includes among licensing and registration requirements that a loan origination business obtain: (1) a unique identifier; and (2) instruction on fraud, consumer protection, and fair lending issues. Exempts certain loan processors and underwriters from the licensing or registration requirements.<br/>Requires independent contractors who work as loan processors or underwriters to be either licensed or registered.<br/>(Sec. 104) Sets forth state license and registration procedures. (Sec. 105) Prescribes minimum standards for license renewal for state-licensed loan originators. Requires the NMLSR to review and publish, but prohibits its from offering, directly or indirectly, pre-licensure educational courses for loan originators. (Sec. 106) Requires federal banking agencies to develop and maintain jointly a system for registering employees of depository institutions or their subsidiaries as registered loan originators with the NMLSR. Requires such agencies to: (1) include in the information furnished to the NMLSR the personal history and experience of such employees; and (2) authorize the NMLSR to obtain information related to any administrative, civil or criminal findings by any governmental jurisdiction. (Sec. 107) Instructs the Secretary of Housing and Urban Development (HUD) to provide for a licensing and registration system governing loan originators operating in a state which: (1) does not have such a system in place within a prescribed time frame; or (2) does not participate in the NMLSR. Instructs the Secretary to coordinate with the NMLSR to establish protocols for assigning a unique identifier to each loan originator licensed by HUD as a state-licensed loan originator that will facilitate electronic tracking and uniform identification of, and public access to, the employment history and the publicly adjudicated disciplinary and enforcement actions against loan originators. (Sec. 108) Directs the Secretary to establish a back-up licensing and registry system any time the Secretary determines that the NMLSR is failing to meet the requirements and purposes of this Act for a comprehensive licensing, supervisory, and tracking system for loan originators. (Sec. 109) Authorizes the federal banking agencies, HUD, and the NMLSR to charge fees to cover the costs of maintaining and providing access to NMLSR information to the extent such fees are not charged to consumers for access to such system and registry.<br/>(Sec. 110) Instructs the Attorney General to provide access to all criminal history information to state regulators of loan originators if such checks are required for state licenses.<br/>(Sec. 111) Provides for confidentiality of information.<br/>(Sec. 112) Shields from liability regulatory entities performing in good faith information collection and dissemination under this Act. (Sec. 113) Grants the Secretary enforcement authority to implement this Act, including assessment of civil monetary penalties. Subtitle B: Residential Mortgage Loan Origination Standards - (Sec. 122) Amends the Truth in Lending Act to set forth a duty of care standard for residential mortgage loan originations. (Sec. 123) Prohibits the payment of steering incentive compensation to mortgage originators based on, or varying with, the terms (other than principal amount) of any loan that is not a qualified mortgage. Requires the federal banking agencies jointly to prescribe regulations to implement this Act.<br/>(Sec. 124) Subjects mortgage originators to liability for monetary penalties for violations of this Act.<br/>Title II: Minimum Standards for Mortgages - (Sec. 201) Sets forth minimum repayment standards for residential mortgage loans.<br/>Requires creditors to determine, based on verified and documented information, that a consumer has a reasonable ability to repay the loan, according to its terms (taxes, insurance, and assessments), including the consumer's repayment ability if multiple loans are secured by the same dwelling.<br/>Requires a creditor to take into consideration: (1) variable rate loans that defer repayment of any principal or interest (nonstandard loans); (2) interest-only loans; and (3) any balance increase that may accrue from any negative amortization.<br/>(Sec. 202) Prohibits a creditor from extending credit for residential mortgage loans that involve refinancing of a prior residential mortgage loan unless the creditor determines that refinancing provides a net tangible benefit to the consumer.<br/>Describes residential mortgage loans which do not provide a net tangible benefit to the consumer.<br/>(Sec. 203) Sets forth a rebuttable presumption of the ability to repay. (Sec. 204) Subjects a creditor to civil liability for violations of this Act, including rescission of a residential mortgage loan and certain additional costs, including a reasonable attorney's fee of the obligor. Subjects an assignee or securitizer of such a loan, acting in good faith, to liability for a creditor's violations, but only for rescission of the loan, plus related costs and attorney fees. Exempts an assignee or securitizer from such liability if it provides a cure, and meets other specified requirements. Permits a consumer to maintain a civil action against an assignee to cure, but not rescind, a residential mortgage loan, if a creditor or assignee of a loan has: (1) ceased to exist as a matter of law; (2) filed for bankruptcy protection; or (3) had receivers or liquidating agents appointed. Subjects good faith assignees and securitizers of such a creditor to the same liability for a creditor's violations, unless they provide a cure for such violations or they meet specified conditions. Prohibits class action suits against assignees and securitizers.<br/>Excludes from such assignee and securitizer liability any residential mortgage loans aggregated in a pool of assets held to issue or sell instruments representing interests in such pools, including through a securitization vehicle. (Sec. 205) Authorizes a consumer who has the right to rescind with respect to a residential mortgage loan against the creditor (or any assignee or securitizer) to assert such right as a defense or counterclaim to foreclosure against the mortgage loan holder (or its agent). (Sec. 206) Proscribes certain practices, including: (1) certain prepayment penalties; (2) single premium credit insurance; (3) mandatory arbitration (except for reverse mortgages); (4) mortgage loan provisions that waive statutory cause of action by the consumer ; (5) negative amortization mortgages.<br/>Reserves the right of a securitizer to retain access to any residential mortgage loan in any document establishing a pool of assets including such loan in order to provide for and obtain a remedy for the obligor under such loan.<br/>Sets forth the effect of foreclosure on a preexisting lease.<br/>(Sec. 208) Declares that: (1) this Act supersedes any state law that provides additional remedies against any assignee, securitizer, or securitization vehicle; and (2) the remedies in this Act constitute the sole remedies against any assignee, securitizer, or securitization vehicle for specified violations. (Sec. 210) Doubles civil money penalties for certain violations.<br/>Extends to three years the statute of limitations for certain violations. (Sec. 211) Exempts a creditor, assignee, or securitizer from liability and rescission in the case of borrower fraud or deception by an obligor. (Sec. 212) Requires the creditor or servicer of a loan to notify the consumer with a written explanation, including alternative moves, during the one-month period that ends six months before the interest rate in effect during the introductory period of a hybrid adjustable rate mortgage adjusts or resets to a variable interest rate. (Sec. 213) Requires additional information disclosures for: (1) variable payments or interest rates; (2) escrow or impound accounts; (3) aggregate settlement charges; (4) aggregate mortgage origination loan fees; (5) payment schedules; and (6) updating of annual percentage rates of interest (APRs). (Sec. 214) Requires specified disclosures in monthly statements for residential mortgage loans, including: (1) the amount of the principal obligation under the mortgage; (2) the current interest rate in effect for the loan; and (3) the date on which the interest rate may next reset or adjust. (Sec. 215) Authorizes appropriations to the Attorney General for FY2008-FY2012 for prosecution of mortgage fraud.<br/>(Sec. 217) Directs the Comptroller General to study and report to Congress on the effects of this Act upon the availability and affordability of credit for homebuyers and mortgage lending.<br/>Title III: High-Cost Mortgages - (Sec. 301) Redefines high cost-mortgages with respect to: (1) introductory rates; (2) adjustment of percentage points; (3) points and fees; (4) high-cost mortgage lenders; and (5) bona fide discount points.<br/>(Sec. 302) Revises requirements governing prepayment penalties. Prohibits: (1) balloon payments for high-cost mortgages; (2) lending without due regard to debtor's repayment ability; (3) creditor recommendation to debtor to default; (4) certain late fees in connection with a high-cost mortgage; (5) debt acceleration at creditor's sole discretion; (6) creditor financing of certain financing points and fees; (7) evasions, structuring of transactions, and reciprocal arrangements; and (8) certain creditor-imposed fees for modification, deferral, and payoff statements. (Sec. 303) Prohibits a creditor from extending credit to a consumer under a high-cost mortgage without first receiving certification from a counselor approved by either HUD or a state housing finance authority that the consumer has received counseling on the advisability of the mortgage. Prohibits a creditor from knowingly or intentionally engaging in the unfair act or practice of flipping in connection with a high-cost mortgage (defined as a loan or extension of credit in the form a high-cost mortgage to a consumer which refinances an existing mortgage when the new loan or extension of credit does not have reasonable, tangible net benefit to the consumer considering all circumstances).<br/>(Sec. 305) Directs the Board of Governors of the Federal Reserve System (Federal Reserve Board) to promulgate regulations implementing this Act.<br/>Authorizes the Board to prescribe regulations requiring or encouraging creditors to provide consumer mortgage education to prospective customers, or direct such customers to qualified consumer mortgage education or counseling programs.<br/>Prohibits any construction of a Board requirement as affecting or superseding any state law requirement regarding consumer mortgage counseling or education.<br/>Title IV: Office of Housing Counseling - Expand and Preserve Home Ownership Through Counseling Act - (Sec. 402) Establishes within HUD the Office of Housing Counseling, headed by the Director of Housing Counseling. Requires the Secretary to appoint an advisory committee. (Sec. 403) Sets forth counseling procedures.<br/>Instructs the Director to develop and conduct national public service multimedia campaigns designed to make persons facing mortgage foreclosure, persons considering a subprime mortgage loan to purchase a home, elderly persons, persons who face language barriers, low-income persons, and other potentially vulnerable consumers aware that it is advisable, before seeking or maintaining a residential mortgage loan, to obtain home ownership counseling from an unbiased and reliable sources, and that such home ownership counseling is available from HUD.<br/>Requires HUD to provide advice and technical assistance to states, local governmental entities, and nonprofit organizations regarding the establishment and operation of consumer education programs (particularly for those most vulnerable with respect to residential mortgage loans, mortgage refinancing, home equity loans, and home repair loans). (Sec. 404) Amends the Housing and Urban Development Act of 1968 to require the Secretary to make financial assistance available to states, local governments, and nonprofit organizations providing home ownership or rental counseling. Authorizes appropriations for FY2008-FY2011.<br/>(Sec. 405) Revises requirements for use of HUD-certified counselors under HUD programs. (Sec. 406) Instructs the Secretary to study and report to Congress on the root causes of default and foreclosure of home loans, including an examination of the role of escrow accounts in helping prime and nonprime borrowers to avoid defaults and foreclosures. (Sec. 408) Amends the Real Estate Settlement Procedures Act of 1974 (RESPA) to require HUD to prepare, periodically, in various languages and cultural styles, a booklet to help consumers applying for federally related mortgage loans to understand the nature and costs of real estate settlement services.<br/>Title V: Mortgage Disclosures Under Real Estate Settlement Procedures Act of 1974 - (Sec. 501) Amends RESPA to set forth a universal mortgage disclosure requirement for good faith estimates of settlement services costs. Requires the Secretary to prescribe a standard form for such disclosure, to be used without variation in all transactions in the United States that involve federally related mortgage loans. Title VI: Mortgage Servicing - (Sec. 601) Requires a creditor, in connection with the formation or consummation of a consumer credit transaction secured by a first lien on the consumer's principal dwelling (other than a reverse mortgage or a credit card transaction), to establish in a federally insured depository institution, at the time of consummation, an escrow or impound account for the payment of taxes and hazard insurance, and, if applicable, flood insurance, mortgage insurance, ground rents, and other required periodic payments or premiums. (Sec. 602) Requires the creditor or servicer of a mortgage loan to advise a consumer in writing of the consumer's responsibilities and the implications for the consumer in the absence of an escrow or impound account, if one is not established or the consumer chooses to close one. (Sec. 603) Amends RESPA to prohibit certain practices by federally related mortgage loan servicers, including: (1) obtaining force-placed hazard insurance unless it is reasonable to believe the borrower has failed to comply with the loan contract's requirements to maintain property insurance; (2) charging fees for responding to valid qualified written requests; (3) failing to respond timely to borrower's requests to correct errors relating to standard servicer duties; and (4) failing to respond within 10 business days to a borrower's request to provide relevant contact information about the owner assignee of the loan. Prescribes requirements for a federally related mortgage loan servicer to meet when obtaining force-placed insurance (hazard insurance coverage obtained by a servicer when the borrower has failed to maintain or renew hazard insurance on a property as required under the mortage terms). Requires prompt crediting of a borrower's payments on the business day received by a home loan lender or servicer. Increases the maximum additional damages for RESPA violations: (1) from $1,000 to $2,000 for an individual action; and (2) from $500,000 to $1 million for a class action. Reduces the maximum length of time for a loan servicer to respond to borrower inquiries: (1) from 20 to 10 days to acknowledge receipt of an inquiry; and (2) from 60 to 30 days to take certain actions in response to an inquiry. Requires: (1) a creditor or servicer to send a payoff balance within seven business days of receipt of a borrower's written request; and (2) prompt refund of escrow accounts upon payoff. (Sec. 604) Requires the Secretary to study and report to Congress on: (1) mortgage servicing practices and their potential for fraud and abuse; and (2) mortgage servicing improvements. (Sec. 605) Amends the Truth in Lending Act, in any case of a consumer credit transaction secured by a first mortgage or lien on the consumer's principal dwelling (other than a reverse mortgage or a credit card transaction), for which an account is set up for property taxes, hazard insurance, and other periodic payments, to require the repayment analysis to account for escrow payments and the taxable assessed value of the real property securing the transaction. Title VII: Appraisal Activities - (Sec. 701) Amends the Truth in Lending Act to prohibit a creditor from extending credit in the form of a mortgage to any consumer without first obtaining a written property appraisal prepared, in accordance with the requirements of this Act, by a qualified appraiser after conducting a physical property visit of the interior of the mortgaged property. Requires the creditor to provide one copy of each such appraisal, without charge, to the consumer at least three days before the transaction closing date. Subjects violations to a monetary penalty. (Sec. 702) Proscribes certain unfair and deceptive practices in connection with a consumer credit transaction secured by the consumer's principal dwelling, including: (1) mischaracterizing, or suborning a mischaracterization of, the property's appraised value; (2) seeking to influence an appraiser or otherwise to encourage a targeted value in order to facilitate the making or pricing of the transaction; and (3) failing to timely compensate an appraiser for a completed appraisal, regardless of whether the transaction closes. Requires the federal banking agencies and the Federal Trade Commission (FTC) to jointly prescribe regulations defining with specificity unfair or deceptive practices in the provision of mortgage lending services. (Sec. 703) Creates the Appraisal Subcommittee of the Financial Institutions Examination Council to protect the consumer from improper appraisal practices and the predations of unlicensed appraisers. Authorizes the Appraisal Subcommittee to prescribe regulations. Requires each state with an appraiser certifying and licensing agency meeting certain criteria to report to the Appraisal Subcommittee's national registry on sanctions, disciplinary actions, license and certification revocations, and license and certification suspensions. Increases from $25 to $40 the annual registry fees for persons performing appraisals in federally related transactions. Authorizes the Appraisal Subcommittee to adjust such fees within certain limits. Directs the Appraisal Subcommittee to: (1) make grants to state appraiser regulatory agencies to help defray costs of enforcement activities; and (2) report to state appraiser certifying and licensing agencies when a license or certification is surrendered, revoked, or suspended. Requires the Appraisal Subcommittee to monitor state appraiser certifying and licencing agencies for compliance with certain requirements. Prohibits specified interested parties in a real estate transaction from engaging in certain practices to influence improperly the development, reporting, result, or review of a real estate appraisal sought in connection with a mortgage loan. Subjects violators to civil penalties. (Sec. 704) Directs the Comptroller General to study and report to Congress on possible improvements in the appraisal process, including the consistency and the effectiveness of improvements in state compliance efforts and programs in accordance with title XI of the Financial Institutions Reform, Recovery, and Enforcement Act of 1989 (FIRREA). (Sec. 705) Requires that, in any case in which an appraisal is performed in connection with an extension of credit secured by an interest in real property, the mortgage originator make available to the credit applicant a copy of all appraisal valuation reports upon completion, but no later than three business days before the transaction closing date.<br/>

1196658000 2007-12-03 Fri Nov 07 02:20:09 -0600 2008 reported to house 46918 'act':8 '2007':10 'anti':5 'lend':7 'reform':2 'mortgag':1 'predatori':6 'anti-predatori':4 54176 true short introduced 46918 'act':7 'lend':6 'loan':37 'amend':2 'truth':4 'consum':10,35 'licens':21 'origin':28 'provid':14,30 'purpos':41 'reform':9 'requir':24 'account':15 'certain':31 'minimum':32 'mortgag':11,27,36 'practic':12,18 'registr':23 'standard':33 'establish':20 'residenti':26 53677 false official passed house 46918 'act':8 'home':4 'expand':1 'counsel':7 'preserv':3 'ownership':5 56539 false short introduced 46918 'act':8 '2007':10 'anti':5 'lend':7 'reform':2 'mortgag':1 'predatori':6 'anti-predatori':4 54017 false short passed house 46918 'act':8 '2007':10 'anti':5 'lend':7 'reform':2 'mortgag':1 'predatori':6 'anti-predatori':4 56538 false short reported to house 46918 'act':8 'home':4 'expand':1 'counsel':7 'preserv':3 'ownership':5 54177 false short action 46918 1196658000 Mon Dec 03 00:00:00 -0600 2007 138234 Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. M001154 1953-05-19 2288 1722 Longworth House Office Building http://bradmiller.house.gov/?sectionid=17&sectiontree=9,17 13 202-225-0181 R. 'd':4 'r':7,10 'nc':5 '-13':6 'rep':1 'brad':9 'miller':3,8,11 'bradley':2 M 400280 Miller Brad_Miller Bradley Rep. Bradley Miller [D, NC-13] 722 Brad N00025093 8049 Democrat 202-225-3032 NC Brad R. Miller 3.3 http://www.house.gov/bradmiller/ MillerNC13 B001234 1947-01-23 4422 1527 Longworth House Office Building http://www.house.gov/baca/zipauth.shtml 43 202-225-8671 Joe 'd':4 'ca':5 '-43':6 'joe':2,7,9 'rep':1 'baca':3,8,10 M 400009 Baca Joe_Baca Rep. Joe Baca [D, CA-43] 1714 N00007089 9529 Democrat 202-225-6161 CA Joe Baca 2.35294117647059 http://www.house.gov/baca/ B001253 1962-01-22 3171 318 Cannon House Office Building http://www.house.gov/bean/issue_subscribe.htm 8 202-225-7830 Melissa 'd':4 '-8':6 'il':5 'rep':1 'bean':3,8,10 'melissa':2,7,9 F 400631 Bean Melissa_L._Bean L. Rep. Melissa Bean [D, IL-8] 1338 N00024875 8832 Democrat 202-225-3711 IL Melissa Bean 1.90909090909091 http://www.house.gov/bean/ C001037 1952-01-09 3029 1530 Longworth House Office Building http://www.house.gov/capuano/contact/email.shtml 8 202-225-9322 Michael 'd':4 '-8':6 'ma':5 'rep':1 'capuano':3,8,10 'michael':2,7,9 M 400063 Capuano Michael_E._Capuano E. Rep. Michael Capuano [D, MA-8] 1123 N00000267 8394 Democrat 202-225-5111 Roman Catholic MA Mike Michael Capuano 3.28571428571429 http://www.house.gov/capuano/ C000191 1938-07-08 1710 Julia 'julia':1,3,5 'carson':2,4,6 F 400067 Carson Julia_Carson M. Julia Carson 660 N00003758 3903 Democrat Baptist Julia Carson C001067 1964-11-21 2320 1029 Longworth House Office Building http://clarke.house.gov/contactform_zipcheck.shtml 11 202-226-0112 Yvette 'd':4 'ny':5 '-11':6 'rep':1 'clark':3,8,10 'yvett':2,7,9 F 412221 Clarke Yvette_Clarke D. Rep. Yvette Clarke [D, NY-11] 588 N00026961 8291 Democrat 202-225-6231 NY Yvette Clarke 1.53846153846154 http://clarke.house.gov/ C001049 1956-07-27 2503 434 Cannon House Office Building http://lacyclay.house.gov/contact.htm 1 202-226-3717 William 'd':4 '-1':6 'mo':5 'rep':1 'clay':3,8,10 'william':2,7,9 M 400074 Clay William_L_Jr_Clay Lacy Rep. William Clay [D, MO-1] 744 N00012460 7823 Democrat 202-225-2406 Roman Catholic MO Lacy William Clay 1.4 http://lacyclay.house.gov/ CongressmanClay C001061 1944-10-26 3271 1641 Longworth House Office Building http://www.house.gov/cleaver/IMA/issue.htm 5 202-225-4403 Emanuel 'd':4 '-5':6 'mo':5 'rep':1 'cleaver':3,8,10 'emanuel':2,7,9 M 400639 Cleaver Emanuel_Cleaver Rep. Emanuel Cleaver [D, MO-5] 1316 N00026790 8731 Democrat 202-225-4535 MO Emanuel Cleaver 2.63157894736842 http://www.house.gov/cleaver/ C001068 1949-05-24 5791 1004 Longworth House Office Building http://cohen.house.gov/index.php?option=com_email_form&Itemid=113 9 202-225-5663 Steve 'd':4 '-9':6 'tn':5 'rep':1 'cohen':3,8,10 'steve':2,7,9 M 412236 Cohen Stephen_Cohen Rep. Steve Cohen [D, TN-9] 2232 N00003225 10538 Democrat 202-225-3265 TN Steve Cohen 3.25 http://cohen.house.gov/ RepCohen C000984 1951-01-18 4678 2235 Rayburn House Office Building https://forms.house.gov/wyr/welcome.shtml 7 202-225-3178 Elijah 'd':4 '-7':6 'md':5 'cum':3,8,10 'rep':1 'elijah':2,7,9 M 400090 Cummings Elijah_E._Cummings Eugene Rep. Elijah Cummings [D, MD-7] 2364 N00001971 8378 Democrat 202-225-4741 Baptist MD Elijah Cummings 3.5 http://www.house.gov/cummings/ E000288 1963-08-04 7849 1130 Longworth House Office Building http://ellison.house.gov/index.php?option=com_content&task=view&id=87 5 202-225-4886 Keith 'd':4 '-5':6 'mn':5 'rep':1 'keith':2,7,9 'ellison':3,8,10 M 412215 Ellison Keith_Ellison Rep. Keith Ellison [D, MN-5] 2130 N00028257 10250 Democrat 202-225-4755 MN Keith Ellison 6.15 http://ellison.house.gov RepKeithEllison F000339 1940-03-31 17170 2252 Rayburn House Office Building http://www.house.gov/writerep 4 202-225-0182 Barney 'd':4 '-4':6 'ma':5 'rep':1 'frank':3,8,10 'barney':2,7,9 M 400140 Frank Barney_Frank Rep. Barney Frank [D, MA-4] 8269 N00000275 22234 Democrat 202-225-5931 Jewish MA Barney Frank 2.47727272727273 http://www.house.gov/frank/ G000554 4384 502 Cannon House Office Building http://giffords.house.gov/contact/mailing-list/ 8 202-225-0378 Gabrielle 'd':4 '-8':6 'az':5 'rep':1 'gifford':3,8,10 'gabriell':2,7,9 F 412188 Giffords Gabrielle_Giffords Rep. Gabrielle Giffords [D, AZ-8] 2469 N00027829 10890 Democrat 202-225-2542 AZ Gabrielle Giffords 2.82857142857143 http://giffords.house.gov/contact/mailing-list/ giffords2 G000553 1947-09-01 3531 425 Cannon House Office Building http://www.house.gov/writerep 9 202-225-2947 Al 'd':4 '-9':6 'al':2,7,9 'tx':5 'rep':1 'green':3,8,10 M 400653 Green Al_Green Rep. Al Green [D, TX-9] 803 N00026686 9289 Democrat 202-225-7508 Unknown TX Al Green 1.05263157894737 http://www.house.gov/algreen/ G000535 1953-12-10 3200 2266 Rayburn House Office Building http://www.house.gov/writerep 4 202-225-7810 Luis 'd':4 '-4':6 'il':5 'lui':2,7,9 'rep':1 'gutierrez':10 'gutiérrez':3,8 M 400163 Gutiérrez Luis_V._Gutierrez V. Rep. Luis Gutiérrez [D, IL-4] 1369 N00004874 10081 Democrat 202-225-8203 Roman Catholic IL Luis Gutierrez 1.41176470588235 http://luisgutierrez.house.gov/ H001043 1951-03-21 5941 506 Cannon House Office Building http://hodes.house.gov/contact.aspx 2 202-225-2946 Paul 'd':4 '-2':6 'nh':5 'rep':1 'hode':3,8,10 'paul':2,7,9 M 412220 Hodes Paul_Hodes W. Rep. Paul Hodes [D, NH-2] 3024 N00027048 8253 Democrat 202-225-5206 NH Paul Hodes 2.15384615384615 http://hodes.house.gov/ J000284 1949-09-10 753 Stephanie 'jone':2,4,6 'stephani':1,3,5 F 400208 Jones Stephanie_Tubbs_Jones Tubbs Stephanie Jones 118 N00003561 7115 Democrat Baptist Stephanie Jones K000009 1946-06-17 3951 2186 Rayburn House Office Building http://www.kaptur.house.gov/index.php?option=com_content&task=view&id=152 9 202-225-7711 Marcy 'd':4 '-9':6 'oh':5 'rep':1 'marci':2,7,9 'kaptur':3,8,10 F 400211 Kaptur Marcy_Kaptur Rep. Marcy Kaptur [D, OH-9] 1539 N00003522 10220 Democrat 202-225-4146 Roman Catholic OH Marcy Kaptur 4.85 http://www.kaptur.house.gov/ L000553 1954-07-22 1225 2371 Rayburn House Office Building http://latourette.house.gov/ContactSteve.aspx 14 202-225-3307 Steven 'r':4 'oh':5 '-14':6 'rep':1 'steven':2,7,9 'latourett':3,8,10 M 400235 LaTourette Steven_C._LaTourette C. Rep. Steven LaTourette [R, OH-14] 494 N00003545 6792 Republican 202-225-5731 Methodist OH Steven LaTourette 5.55555555555556 http://www.house.gov/latourette/ M000087 1948-02-19 6588 2331 Rayburn House Office Building http://maloney.house.gov/index.php?option=com_email_form&Itemid=73 14 202-225-4709 Carolyn 'd':4 'ny':5 '-14':6 'rep':1 'carolyn':2,7,9 'maloney':3,8,10 F 400251 Maloney Carolyn_B._Maloney B. Rep. Carolyn Maloney [D, NY-14] 3205 N00000078 8979 Democrat 202-225-7944 Presbyterian NY Carolyn Maloney 2.38461538461538 http://maloney.house.gov/ M001137 1953-09-25 2170 2342 Rayburn House Office Building http://www.house.gov/meeks/contactform_zipcheck.shtml 6 202-226-4169 Gregory 'd':4 '-6':6 'ny':5 'rep':1 'meek':3,8,10 'gregori':2,7,9 M 400271 Meeks Gregory_W._Meeks W. Rep. Gregory Meeks [D, NY-6] 804 N00001171 6646 Democrat 202-225-3461 African Methodist Episcopal NY Gregory Meeks 1.83333333333333 http://www.house.gov/meeks M001160 1951-04-18 2333 1408 Longworth House Office Building http://www.house.gov/gwenmoore/contact.shtml 4 202-225-8135 Gwen 'd':4 '-4':6 'wi':5 'rep':1 'gwen':2,7,9 'moor':3,8,10 F 400661 Moore Gwen_Moore Rep. Gwen Moore [D, WI-4] 657 N00026914 7075 Democrat 202-225-4572 Unknown WI Gwen Gwen Moore 2.46153846153846 http://www.house.gov/gwenmoore/ RepGwenMoore M001169 1973-08-03 2257 501 Cannon House Office Building http://www.house.gov/formchrismurphy/ic_zip_auth.htm 5 202-225-5933 Christopher 'd':4 '-5':6 'ct':5 'rep':1 'murphi':3,8,10 'christoph':2,7,9 M 412194 Murphy Chris_Murphy S. Rep. Christopher Murphy [D, CT-5] 945 N00027566 7375 Democrat 202-225-4476 CT Chris Christopher Murphy 2.25 http://www.senatedems.state.ct.us/murphy.html S001157 1946-06-27 4242 417 Cannon House Office Building http://www.house.gov/writerep 13 202-225-4628 David 'd':4 'ga':5 '-13':6 'rep':1 'david':2,7,9 'scott':3,8,10 M 400363 Scott David_Scott Rep. David Scott [D, GA-13] 1487 N00024871 8107 Democrat 202-225-2939 Baptist GA David Scott 2.46666666666667 http://davidscott.house.gov/ S001174 2823 1721 Longworth House Office Building http://sutton.house.gov/about/emailform.cfm 13 202-225-2266 Betty 'd':4 'oh':5 '-13':6 'rep':1 'betti':2,7,9 'sutton':3,8,10 F 412228 Sutton Betty_Sue_Sutton Rep. Betty Sutton [D, OH-13] 1015 N00027901 8271 Democrat 202-225-3401 OH Betty Sutton 3.30769230769231 http://sutton.house.gov/ W000187 1938-08-15 6714 2344 Rayburn House Office Building http://www.house.gov/waters/IMA/issue.htm 35 202-225-7854 Maxine 'd':4 'ca':5 '-35':6 'rep':1 'maxin':2,7,9 'water':3,8,10 F 400422 Waters Maxine_Waters Rep. Maxine Waters [D, CA-35] 2563 N00006690 9933 Democrat 202-225-2201 Christian CA Maxine Waters 1.47619047619048 http://www.house.gov/waters/ MaxineWaters W000207 1945-08-26 1878 2236 Rayburn House Office Building http://www.house.gov/formwatt/IMA/issue_subscribe.htm 12 202-225-1512 Melvin 'd':4 'nc':5 '-12':6 'mel':9 'rep':1 'watt':3,8,11 'melvin':2,7,10 M 400424 Watt Melvin_L._Watt Luther Rep. Melvin Watt [D, NC-12] 470 Mel N00002328 6762 Democrat 202-225-1510 Presbyterian NC Mel Melvin Watt 0.391304347826087 http://www.house.gov/watt/ W000784 1951-09-10 725 Albert 'wynn':2,4,6 'albert':1,3,5 M 400438 Wynn Albert_Russell_Wynn Russell Albert Wynn 250 N00001849 5048 Democrat Baptist Albert Wynn action 46918 1196658000 Mon Dec 03 00:00:00 -0600 2007 138234 Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. action 46918 1195164720 Thu Nov 15 18:12:00 -0600 2007 136746 The Clerk was authorized to correct section numbers, punctuation, and cross references, and to make other necessary technical and conforming corrections in the engrossment of H.R. 3915. vote 46918 1195164660 Thu Nov 15 18:11:00 -0600 2007 roll 136745 pass On passage Passed by the Yeas and Nays: 291 - 127 (Roll no. 1118). vote h action 46918 1195164240 Thu Nov 15 18:04:00 -0600 2007 136744 On motion to recommit with instructions Failed by recorded vote: 188 - 231 (Roll no. 1117). action 46918 1195163220 Thu Nov 15 17:47:00 -0600 2007 136743 The previous question on the motion to recommit with instructions was ordered without objection. action 46918 1195162500 Thu Nov 15 17:35:00 -0600 2007 153367 DEBATE - The House proceeded with 10 minutes of debate on the Blackburn motion to recommit with instructions. The instructions contained in the motion seek to report the same back to the House forthwith with the following amendments inserting a new subsection on approved identification to obtain a residential mortgage loan and technical corrections. action 46918 1195162500 Thu Nov 15 17:35:00 -0600 2007 136742 Mrs. Blackburn moved to recommit with instructions to Financial Services. action 46918 1195162440 Thu Nov 15 17:34:00 -0600 2007 136741 The House adopted the amendment in the nature of a substitute as agreed to by the Committee of the Whole House on the state of the Union. action 46918 1195162380 Thu Nov 15 17:33:00 -0600 2007 136739 The House rose from the Committee of the Whole House on the state of the Union to report H.R. 3915. action 46918 1195162380 Thu Nov 15 17:33:00 -0600 2007 136740 The previous question was ordered pursuant to the rule. action 46918 1195159920 Thu Nov 15 16:52:00 -0600 2007 153366 DEBATE - Pursuant to the provisions of H.Res. 825, the Committee of the Whole proceeded with ten minutes of debate on the Sutton amendment. action 46918 1195159680 Thu Nov 15 16:48:00 -0600 2007 153365 DEBATE - Pursuant to the provisions of H.Res. 825, the Committee of the Whole proceeded with ten minutes of debate on the Van Hollen amendment. action 46918 1195159620 Thu Nov 15 16:47:00 -0600 2007 153364 POSTPONED PROCEEDINGS - At the conclusion of debate on the McHenry amendment, the Chair put the question on adoption of the amendment and by voice vote, annnounced that the noes had prevailed. Mr. McHenry demanded a recorded vote and the Chair postponed further proceedings on the question of adoption of the amendment until later in the legislative day. action 46918 1195158960 Thu Nov 15 16:36:00 -0600 2007 153363 DEBATE - Pursuant to the provisions of H.Res. 825, the Committee of the Whole proceeded with ten minutes of debate on the McHenry amendment. action 46918 1195158540 Thu Nov 15 16:29:00 -0600 2007 153362 DEBATE - Pursuant to the provisions of H.Res. 825, the Committee of the Whole proceeded with ten minutes of debate on the Al Green amendment. action 46918 1195158180 Thu Nov 15 16:23:00 -0600 2007 153361 DEBATE - Pursuant to the provisions of H.Res. 825, the Committee of the Whole proceeded with ten minutes of debate on the Frank (MA) amendment. action 46918 1195158120 Thu Nov 15 16:22:00 -0600 2007 153360 POSTPONED PROCEEDINGS - At the conclusion of debate on the Garrett (NJ) amendment, the Chair put thequestion on adoption of the amendment and by voice vote, annnounced that the noes had prevailed. Mr. Garrett (NJ) demanded a recorded vote and the Chair postponed further proceedings on the question of adoption of the amendment until later in the legislative day. action 46918 1195157400 Thu Nov 15 16:10:00 -0600 2007 153359 DEBATE - Pursuant to the provisions of H.Res. 825, the Committee of the Whole proceeded with ten minutes of debate on the Garrett (NJ) amendment. action 46918 1195156920 Thu Nov 15 16:02:00 -0600 2007 153358 DEBATE - Pursuant to the provisions of H.Res. 825, the Committee of the Whole proceeded with ten minutes of debate on the Brown-Waite (FL) amendment. action 46918 1195156620 Thu Nov 15 15:57:00 -0600 2007 153357 DEBATE - Pursuant to the provisions of H.Res. 825, the Committee of the Whole proceeded with ten minutes of debate on the Meeks (NY) amendment. action 46918 1195156200 Thu Nov 15 15:50:00 -0600 2007 153356 DEBATE - Pursuant to the provisions of H.Res. 825, the Committee of the Whole proceeded with ten minutes of debate on the Watt amendment. action 46918 1195155900 Thu Nov 15 15:45:00 -0600 2007 153355 DEBATE - Pursuant to the provisions of H.Res. 825, the Committee of the Whole proceeded with ten minutes of debate on the Hensarling amendment. action 46918 1195155540 Thu Nov 15 15:39:00 -0600 2007 153354 DEBATE - Pursuant to the provisions of H.Res. 825, the Committee of the Whole proceeded with ten minutes of debate on the Watt amendment. action 46918 1195155120 Thu Nov 15 15:32:00 -0600 2007 153353 DEBATE - Pursuant to the provisions of H.Res. 825, the Committee of the Whole proceeded with ten minutes of debate on the Putnam amendment. action 46918 1195154400 Thu Nov 15 15:20:00 -0600 2007 153352 DEBATE - Pursuant to the provisions of H.Res. 825, the Committee of the Whole proceeded with ten minutes of debate on the Watt amendment. action 46918 1195154340 Thu Nov 15 15:19:00 -0600 2007 136737 Considered as unfinished business. action 46918 1195154340 Thu Nov 15 15:19:00 -0600 2007 136738 The House resolved into Committee of the Whole House on the state of the Union for further consideration. action 46918 1195151520 Thu Nov 15 14:32:00 -0600 2007 136736 Committee of the Whole House on the state of the Union rises leaving H.R. 3915 as unfinished business. action 46918 1195151520 Thu Nov 15 14:32:00 -0600 2007 136735 On motion to rise Agreed to by voice vote. action 46918 1195151460 Thu Nov 15 14:31:00 -0600 2007 136734 Mr. Frank (MA) moved to rise. action 46918 1195149900 Thu Nov 15 14:05:00 -0600 2007 153351 POSTPONED PROCEEDINGS - At the conclusion of debate on the Price (GA) amendment, the Chair put the question on adoption of the amendment and by voice vote, annnounced that the noes had prevailed. Mr. Price (GA) demanded a recorded vote and the Chair postponed further proceedings on the question of adoption of the amendment until later in the legislative day. action 46918 1195149300 Thu Nov 15 13:55:00 -0600 2007 153350 DEBATE - Pursuant to the provisions of H.Res. 825, the Committee of the Whole proceeded with ten minutes of debate on the Price (GA) amendment. action 46918 1195149240 Thu Nov 15 13:54:00 -0600 2007 153349 POSTPONED PROCEEDINGS - At the conclusion of debate on the Watt amendment, the Chair put the question on adoption of the amendment and by voice vote, annnounced that the ayes had prevailed. Mr. Bachus demanded a recorded vote and the Chair postponed further proceedings on the question of adoption of the amendment until later in the legislative day. action 46918 1195148520 Thu Nov 15 13:42:00 -0600 2007 153348 DEBATE - Pursuant to the provisions of H.Res. 825, the Committee of the Whole proceeded with ten minutes of debate on the Watt amendment. action 46918 1195148040 Thu Nov 15 13:34:00 -0600 2007 153347 DEBATE - Pursuant to the provisions of H.Res. 825, the Committee of the Whole proceeded with ten minutes of debate on the Maloney amendment. action 46918 1195147920 Thu Nov 15 13:32:00 -0600 2007 136733 The House resolved into Committee of the Whole House on the state of the Union for further consideration. action 46918 1195147860 Thu Nov 15 13:31:00 -0600 2007 136732 Considered as unfinished business. action 46918 1195147800 Thu Nov 15 13:30:00 -0600 2007 136729 Mr. Frank (MA) moved to rise. action 46918 1195147800 Thu Nov 15 13:30:00 -0600 2007 136731 Committee of the Whole House on the state of the Union rises leaving H.R. 3915 as unfinished business. action 46918 1195147800 Thu Nov 15 13:30:00 -0600 2007 136730 On motion to rise Agreed to by voice vote. action 46918 1195147140 Thu Nov 15 13:19:00 -0600 2007 153346 DEBATE - Pursuant to the provisions of H.Res. 825, the Committee of the Whole proceeded with ten minutes of debate on the Kanjorski amendment. action 46918 1195146360 Thu Nov 15 13:06:00 -0600 2007 153345 DEBATE - Pursuant to the provisions of H.Res. 825, the Committee of the Whole proceeded with ten minutes of debate on the Frank (MA) amendment. action 46918 1195141980 Thu Nov 15 11:53:00 -0600 2007 153344 GENERAL DEBATE - The Committee of the Whole proceeded with one hour of general debate on H.R. 3915. action 46918 1195141920 Thu Nov 15 11:52:00 -0600 2007 136726 Considered under the provisions of rule H. Res. 825. action 46918 1195141920 Thu Nov 15 11:52:00 -0600 2007 136728 The Speaker designated the Honorable Dennis A. Cardoza to act as Chairman of the Committee. action 46918 1195141920 Thu Nov 15 11:52:00 -0600 2007 136727 House resolved itself into the Committee of the Whole House on the state of the Union pursuant to H. Res. 825 and Rule XVIII. action 46918 1195141920 Thu Nov 15 11:52:00 -0600 2007 153343 Rule provides for consideration of H.R. 3915 with 1 hour of general debate. Previous question shall be considered as ordered without intervening motions except motion to recommit with or without instructions. Measure will be considered read. Specified amendments are in order. It shall be in order to consider as an original bill for the purpose of amendment under the five-minute rule the amendment in the nature of a substitute recommended by the Committee on Financial Services now printed in the bill. action 46918 1195141860 Thu Nov 15 11:51:00 -0600 2007 153342 ORDER OF PROCEDURE - Mr. Frank asked unanimous consent that during consideration of H.R. 3915 pursuant to H. Res. 825, the Chair may reduce to two minutes the minimum time for electronic voting under clause 6 of rule 18 and clauses 8 and 9 of rule 20. Agreed to without objection. action 46918 1195140960 Thu Nov 15 11:36:00 -0600 2007 136725 Rule H. Res. 825 passed House. action 46918 1195082700 Wed Nov 14 19:25:00 -0600 2007 136724 Rules Committee Resolution H. Res. 825 Reported to House. Rule provides for consideration of H.R. 3915 with 1 hour of general debate. Previous question shall be considered as ordered without intervening motions except motion to recommit with or without instructions. Measure will be considered read. Specified amendments are in order. It shall be in order to consider as an original bill for the purpose of amendment under the five-minute rule the amendment in the nature of a substitute recommended by the Committee on Financial Services now printed in the bill. action 46918 1194638100 Fri Nov 09 15:55:00 -0600 2007 136337 Reported (Amended) by the Committee on Financial Services. H. Rept. 110-441. calendar 46918 1194638100 Fri Nov 09 15:55:00 -0600 2007 136338 Placed on the Union Calendar, Calendar No. 272. calendar 46918 1194411600 Wed Nov 07 00:00:00 -0600 2007 136336 Ordered to be Reported by Voice Vote. action 46918 1194411600 Wed Nov 07 00:00:00 -0600 2007 136335 Committee Consideration and Mark-up Session Held. calendar 46918 1194325200 Tue Nov 06 00:00:00 -0600 2007 136003 Ordered to be Reported (Amended) by Voice Vote. action 46918 1194325200 Tue Nov 06 00:00:00 -0600 2007 136002 Committee Consideration and Mark-up Session Held. action 46918 1193025600 Mon Oct 22 00:00:00 -0500 2007 134328 Referred to the House Committee on Financial Services. introduced 46918 1193025600 Mon Oct 22 00:00:00 -0500 2007 134327 14 291 46918 Thu Nov 15 17:12:00 -0600 2007 true 3313 127 1118 130 0 On Passage: H R 3915 Mortgage Reform and Anti-Predatory Lending Act false 1/2 Passed On Passage Thu Nov 15 17:54:02 -0600 2007 house 13 188 46918 Thu Nov 15 17:04:00 -0600 2007 false 2844 231 1117 44 0 On Motion to Recommit with Instructions: H R 3915 Mortgage Reform and Anti-Predatory Lending Act true 1/2 Failed On Motion to Recommit with Instructions Thu Nov 15 17:53:25 -0600 2007 house 24 168 46918 Thu Nov 15 16:33:00 -0600 2007 false 3170 245 1116 22 0 On Agreeing to the Amendment: Amendment 16 to H R 3915 true 1/2 Failed On Agreeing to the Amendment Thu Nov 15 17:52:49 -0600 2007 house 20 188 46918 Thu Nov 15 16:29:00 -0600 2007 false 4001 229 1115 28 0 On Agreeing to the Amendment: Amendment 13 to H R 3915 true 1/2 Failed On Agreeing to the Amendment Thu Nov 15 17:52:12 -0600 2007 house 16 172 46918 Thu Nov 15 16:24:00 -0600 2007 false 4082 249 1114 29 0 On Agreeing to the Amendment: Amendment 5 to H R 3915 true 1/2 Failed On Agreeing to the Amendment Thu Nov 15 17:51:37 -0600 2007 house 18 169 46918 Thu Nov 15 13:31:00 -0600 2007 true 2651 250 1112 48 0 On Agreeing to the Amendment: Amendment 4 to H R 3915 false 1/2 Failed On Agreeing to the Amendment Thu Nov 15 17:50:05 -0600 2007 house