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.

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.
Requires independent contractors who work as loan processors or underwriters to be either licensed or registered.

(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.

(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.

(Sec. 111) Provides for confidentiality of information.

(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.

(Sec. 124) Subjects mortgage originators to liability for monetary penalties for violations of this Act.
Title II: Minimum Standards for Mortgages -
(Sec. 201) Sets forth minimum repayment standards for residential mortgage loans.
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.
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.

(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.
Describes residential mortgage loans which do not provide a net tangible benefit to the consumer.

(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.
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.
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.
Sets forth the effect of foreclosure on a preexisting lease.

(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.
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.

(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.
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.

(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).

(Sec. 305) Directs the Board of Governors of the Federal Reserve System (Federal Reserve Board) to promulgate regulations implementing this Act.
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.
Prohibits any construction of a Board requirement as affecting or superseding any state law requirement regarding consumer mortgage counseling or education.
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.
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.
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.

(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.
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.


... morehide bill summary

Sponsor

• Rep. Brad Miller [D, NC-13]
• and 27 Co-Sponsors
  • Rep. Joe Baca [D, CA-43]
  • Rep. Melissa Bean [D, IL-8]
  • Rep. Michael Capuano [D, MA-8]
  • Julia Carson
  • Rep. Yvette Clarke [D, NY-11]
  • Rep. William Clay [D, MO-1]
  • Rep. Emanuel Cleaver [D, MO-5]
  • Rep. Steve Cohen [D, TN-9]
  • Rep. Elijah Cummings [D, MD-7]
  • Rep. Keith Ellison [D, MN-5]
  • Rep. Barney Frank [D, MA-4]
  • Rep. Gabrielle Giffords [D, AZ-8]
  • Rep. Al Green [D, TX-9]
  • Rep. Luis Gutiérrez [D, IL-4]
  • Rep. Paul Hodes [D, NH-2]
  • Stephanie Jones
  • Rep. Marcy Kaptur [D, OH-9]
  • Rep. Steven LaTourette [R, OH-14]
  • Rep. Carolyn Maloney [D, NY-14]
  • Rep. Gregory Meeks [D, NY-6]
  • Rep. Gwen Moore [D, WI-4]
  • Rep. Christopher Murphy [D, CT-5]
  • Rep. David Scott [D, GA-13]
  • Rep. Betty Sutton [D, OH-13]
  • Rep. Maxine Waters [D, CA-35]
  • Rep. Melvin Watt [D, NC-12]
  • Albert Wynn
  close

Committees

• House Financial Services
• 1 more
  • Senate Banking, Housing, and Urban Affairs
  close

Amendments

This bill has 19 amendments. See All AmendmentsHide All Amendments

Amendments to H.R.3915

Number	Status	Purpose
H.Amdt898	Offered
H.Amdt899	Pass	An amendment numbered 1 printed in House Report 110-450 to make a number of technical and conforming changes as well as enhancemen ts to the bill including the following: (1) clarifies the definition of loan originator; (2) narrows the scope of the preemption provision to make it clear that states cannot use or adopt state laws against securitizers/assignees for violations of the national standards or to impose remedies outside of the unique Federal remedy established in the bill, and to make it clear that actions for fraud, misrepresentation, deception, false advertising or civil rights laws are not preempted; (3) clarifies the registration requirements for the Nationwide Mortgage Licensing System and Registry; (4) allows consumers to obtain a cure from assignee or securitizer if creditor or other assignees cease to exist or go bankrupt; (5) clarifies the incentive compensation provision; and (6) adds a monthly disclosure requirement for mortgages.
H.Amdt900	Pass	An amendment numbered 2 printed in House Report 110-450 to better consumer protection by improving mortgage servicing, protecting appraiser independence, ensuring better appraisal quality and regulatory oversight, requiring escrows for mortgages for borrowers who might experience difficulty with repayment, and establishing disclosure for consumers who waive escrow accounts.
H.Amdt901	Pass	An amendment numbered 3 printed in House Report 110-450 to require a borrower to receive the option of a mortgage without a prepayment penalty, if they are offered an amendment with a prepayment penalty. Sets the maximum time for a prepayment penalty of 3 years and a maximum prepayment amount of 3% of the loan for the first year, 2% for the second year and 1% for the third year.
H.Amdt902	Fail	An amendment numbered 4 printed in House Report 110-450 to allow for actual damages in the liability section.
H.Amdt903	Fail	An amendment numbered 16 printed in House Report 110-450 to exempt prime loans from the bill.
H.Amdt904	Fail	An amendment numbered 5 printed in House Report 110-450 to require the assignee to have policies/procedures and to cure the loan to avoid being liable for rescission.
H.Amdt905	Pass	An amendment numbered 10 printed in House Report 110-450 to direct the GAO to conduct a study to determine the effects the enactment of H.R. 3915 will have on the availability and affordability of credit for homebuyers and mortgage lending, and to submit a report to Congress containing the findings and conclusions within one year of the enactment of the legislation.
H.Amdt906	Withdrawn	An amendment numbered 6 printed in House Report 110-450 to change the irrebuttable presumption under section 203 to a rebuttable presumption for all mortgages that allow a borrower to defer payment of principal or interest.
H.Amdt907	Offered	An amendment numbered 7 printed in House Report 110-450 to remove the civil liability of a lender and cancel the right of rescission for a borrower in instances when a borrower knowingly lied on their mortgage loan application.
H.Amdt908	Pass	An amendment numbered 8 printed in House Report 110-450 to add that the obligor must have had actual knowledge of the false material information for the exemption from liability to take effect.
H.Amdt909	Pass	An amendment numbered 9 printed in House Report 110-450 to provide that the Nationwide Mortgage Licensing System and Registry shall not directly or indirectly offer educational courses for pre-licensure or continuing education for mortgage originators. In approving courses under this Act, the Nationwide Mortgage Licensing System and Registry shall apply reasonable standards in the review and approval of courses.
H.Amdt910	Pass	An amendment numbered 11 printed in House Report 110-450 to exclude loans insured by the Federal Housing Administration from the provisions of the bill.
H.Amdt911	Fail	An amendment numbered 12 printed in House Report 110-450 to strike the rebuttable presumption under section 203, stating that all qualified safe harbor loans that meet the requirements listed in section 203(c)(3)(C) fall under the safe harbor.
H.Amdt912	Withdrawn	An amendment numbered 13 printed in House Report 110-450 to allow regulators to fine mortgage originators, assignees and securitizers who more than occasionally (`pattern or practice') violate the minimum standards for loans established in the bill at least $1 million, $25,000 per loan. Proceeds would be held in trust by the US Treasury for the benefit of borrowers who have no other avenue for obtaining a remedy.
H.Amdt913	Pass	An amendment numbered 14 printed in House Report 110-450 to state that educational requirements include instruction on fraud, consumer protection, and fair lending issues.
H.Amdt914	Fail	An amendment numbered 15 printed in House Report 110-450 to strike Title III--High-Cost Mortgages from the bill.
H.Amdt915	Withdrawn	An amendment numbered 17 printed in House Report 110-450 to require that in the case of a residential mortgage loan, closing costs may not exceed by more than 10% any estimate of closing costs disclosed to the consumer in advance of closing.
H.Amdt916	Pass	An amendment numbered 18 printed in House Report 110-450 to require loan creditors or servicers to provide a written notice to consumers with hybrid adjustable rate mortgages six months before their interest rates are due to reset. This notice would state the new interest rate, an explanation of how the new interest rate would be determined, the creditor's or servicer's good faith estimate of the monthly payment that will apply after the reset, a list of alternatives consumers may pursue before the date of adjustment or reset, and contact information for local HUD-approved housing counseling agencies and the state housing finance authority.

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Introduced		Voted on by House		Voted on by Senate		Considered By President		Bill Becomes Law
October 22, 2007		November 15, 2007

Latest Vote

November 15, 2007Roll call number 1118 in the House
Question: On Passage: H R 3915 Mortgage Reform and Anti-Predatory Lending Act
Required percentage of 'Aye' votes: 1/2 (50%)	Percentage of 'aye' votes: 67%	Result: Passed

Democrats Voting 'Aye'

Close

Rep. Neil Abercrombie [D, HI-1]
Rep. Gary Ackerman [D, NY-5]
Thomas Allen
Rep. Jason Altmire [D, PA-4]
Rep. Robert Andrews [D, NJ-1]
Rep. Michael Arcuri [D, NY-24]
Rep. Joe Baca [D, CA-43]
Rep. Brian Baird [D, WA-3]
Rep. Tammy Baldwin [D, WI-2]
Rep. John Barrow [D, GA-12]
Rep. Melissa Bean [D, IL-8]
Rep. Xavier Becerra [D, CA-31]
Rep. Shelley Berkley [D, NV-1]
Rep. Howard Berman [D, CA-28]
Rep. Robert Berry [D, AR-1]
Rep. Sanford Bishop [D, GA-2]
Rep. Timothy Bishop [D, NY-1]
Rep. Earl Blumenauer [D, OR-3]
Rep. Dan Boren [D, OK-2]
Rep. Leonard Boswell [D, IA-3]
Rep. Frederick Boucher [D, VA-9]
Rep. Allen Boyd [D, FL-2]
Nancy Boyda
Rep. Robert Brady [D, PA-1]
Rep. Bruce Braley [D, IA-1]
Rep. Corrine Brown [D, FL-3]
Rep. George Butterfield [D, NC-1]
Rep. Lois Capps [D, CA-23]
Rep. Michael Capuano [D, MA-8]
Rep. Dennis Cardoza [D, CA-18]
Rep. Russ Carnahan [D, MO-3]
Rep. Christopher Carney [D, PA-10]
Rep. Kathy Castor [D, FL-11]
Rep. Ben Chandler [D, KY-6]
Rep. Yvette Clarke [D, NY-11]
Rep. William Clay [D, MO-1]
Rep. Emanuel Cleaver [D, MO-5]
Rep. James Clyburn [D, SC-6]
Rep. Steve Cohen [D, TN-9]
Rep. John Conyers [D, MI-14]
Rep. Jim Cooper [D, TN-5]
Rep. Jim Costa [D, CA-20]
Rep. Jerry Costello [D, IL-12]
Rep. Joe Courtney [D, CT-2]
Robert Cramer
Rep. Joseph Crowley [D, NY-7]
Rep. Henry Cuellar [D, TX-28]
Rep. Elijah Cummings [D, MD-7]
Rep. Artur Davis [D, AL-7]
Rep. Susan Davis [D, CA-53]
Rep. Danny Davis [D, IL-7]
Rep. Lincoln Davis [D, TN-4]
Rep. Peter DeFazio [D, OR-4]
Rep. Diana DeGette [D, CO-1]
Rep. William Delahunt [D, MA-10]
Rep. Rosa DeLauro [D, CT-3]
Rep. Norman Dicks [D, WA-6]
Rep. John Dingell [D, MI-15]
Rep. Lloyd Doggett [D, TX-25]
Rep. Joe Donnelly [D, IN-2]
Rep. Thomas Edwards [D, TX-17]
Rep. Keith Ellison [D, MN-5]
Rep. Brad Ellsworth [D, IN-8]
Rep. Rahm Emanuel [D, IL-5]
Rep. Eliot Engel [D, NY-17]
Rep. Anna Eshoo [D, CA-14]
Rep. Bob Etheridge [D, NC-2]
Rep. Sam Farr [D, CA-17]
Rep. Chaka Fattah [D, PA-2]
Rep. Bob Filner [D, CA-51]
Rep. Barney Frank [D, MA-4]
Rep. Gabrielle Giffords [D, AZ-8]
Rep. Kirsten Gillibrand [D, NY-20]
Rep. Charles Gonzalez [D, TX-20]
Rep. Barton Gordon [D, TN-6]
Rep. Raymond Green [D, TX-29]
Rep. Al Green [D, TX-9]
Rep. Raul Grijalva [D, AZ-7]
Rep. Luis Gutiérrez [D, IL-4]
Rep. John Hall [D, NY-19]
Rep. Phil Hare [D, IL-17]
Rep. Jane Harman [D, CA-36]
Rep. Alcee Hastings [D, FL-23]
Rep. Stephanie Herseth Sandlin [D, SD-0]
Rep. Brian Higgins [D, NY-27]
Rep. Baron Hill [D, IN-9]
Rep. Maurice Hinchey [D, NY-22]
Rep. Rubén Hinojosa [D, TX-15]
Rep. Mazie Hirono [D, HI-2]
Rep. Paul Hodes [D, NH-2]
Rep. Tim Holden [D, PA-17]
Rep. Rush Holt [D, NJ-12]
Rep. Michael Honda [D, CA-15]
Darlene Hooley
Rep. Steny Hoyer [D, MD-5]
Rep. Jay Inslee [D, WA-1]
Rep. Steve Israel [D, NY-2]
Rep. Jesse Jackson [D, IL-2]
Rep. Sheila Jackson-Lee [D, TX-18]
William Jefferson
Rep. Henry Johnson [D, GA-4]
Rep. Eddie Johnson [D, TX-30]
Stephanie Jones
Rep. Steve Kagen [D, WI-8]
Rep. Paul Kanjorski [D, PA-11]
Rep. Marcy Kaptur [D, OH-9]
Rep. Patrick Kennedy [D, RI-1]
Rep. Dale Kildee [D, MI-5]
Rep. Carolyn Kilpatrick [D, MI-13]
Rep. Ronald Kind [D, WI-3]
Rep. Ron Klein [D, FL-22]
Nicholas Lampson
Rep. James Langevin [D, RI-2]
Tom Lantos
Rep. Rick Larsen [D, WA-2]
Rep. John Larson [D, CT-1]
Rep. Barbara Lee [D, CA-9]
Rep. Sander Levin [D, MI-12]
Rep. John Lewis [D, GA-5]
Rep. Daniel Lipinski [D, IL-3]
Rep. David Loebsack [D, IA-2]
Rep. Zoe Lofgren [D, CA-16]
Rep. Nita Lowey [D, NY-18]
Rep. Stephen Lynch [D, MA-9]
Tim Mahoney
Rep. Carolyn Maloney [D, NY-14]
Rep. Edward Markey [D, MA-7]
Rep. James Marshall [D, GA-8]
Rep. Jim Matheson [D, UT-2]
Rep. Doris Matsui [D, CA-5]
Rep. Carolyn McCarthy [D, NY-4]
Rep. Betty McCollum [D, MN-4]
Rep. James McDermott [D, WA-7]
Rep. James McGovern [D, MA-3]
Rep. Mike McIntyre [D, NC-7]
Rep. Jerry McNerney [D, CA-11]
Michael McNulty
Rep. Kendrick Meek [D, FL-17]
Rep. Gregory Meeks [D, NY-6]
Rep. Charles Melancon [D, LA-3]
Rep. Michael Michaud [D, ME-2]
Rep. Brad Miller [D, NC-13]
Rep. George Miller [D, CA-7]
Rep. Harry Mitchell [D, AZ-5]
Rep. Alan Mollohan [D, WV-1]
Rep. Gwen Moore [D, WI-4]
Rep. Dennis Moore [D, KS-3]
Rep. James Moran [D, VA-8]
Rep. Patrick Murphy [D, PA-8]
Rep. Christopher Murphy [D, CT-5]
Rep. John Murtha [D, PA-12]
Rep. Jerrold Nadler [D, NY-8]
Rep. Grace Napolitano [D, CA-38]
Rep. Richard Neal [D, MA-2]
Rep. David Obey [D, WI-7]
Rep. John Olver [D, MA-1]
Rep. Solomon Ortiz [D, TX-27]
Rep. Frank Pallone [D, NJ-6]
Rep. William Pascrell [D, NJ-8]
Rep. Edward Pastor [D, AZ-4]
Rep. Donald Payne [D, NJ-10]
Rep. Ed Perlmutter [D, CO-7]
Rep. Collin Peterson [D, MN-7]
Rep. Earl Pomeroy [D, ND-0]
Rep. David Price [D, NC-4]
Rep. Nick Rahall [D, WV-3]
Rep. Charles Rangel [D, NY-15]
Rep. Silvestre Reyes [D, TX-16]
Rep. Laura Richardson [D, CA-37]
Rep. Ciro Rodriguez [D, TX-23]
Rep. Mike Ross [D, AR-4]
Rep. Steven Rothman [D, NJ-9]
Rep. Lucille Roybal-Allard [D, CA-34]
Rep. C.A. Ruppersberger [D, MD-2]
Rep. Bobby Rush [D, IL-1]
Rep. Timothy Ryan [D, OH-17]
Rep. Loretta Sanchez [D, CA-47]
Rep. Linda Sánchez [D, CA-39]
Rep. John Sarbanes [D, MD-3]
Rep. Janice Schakowsky [D, IL-9]
Rep. Adam Schiff [D, CA-29]
Rep. Allyson Schwartz [D, PA-13]
Rep. Robert Scott [D, VA-3]
Rep. David Scott [D, GA-13]
Rep. José Serrano [D, NY-16]
Rep. Joe Sestak [D, PA-7]
Rep. Carol Shea-Porter [D, NH-1]
Rep. Brad Sherman [D, CA-27]
Rep. Heath Shuler [D, NC-11]
Rep. Albio Sires [D, NJ-13]
Rep. Ike Skelton [D, MO-4]
Rep. Louise Slaughter [D, NY-28]
Rep. Adam Smith [D, WA-9]
Rep. Victor Snyder [D, AR-2]
Rep. Hilda Solis [D, CA-32]
Rep. Zachary Space [D, OH-18]
Rep. John Spratt [D, SC-5]
Rep. Fortney Stark [D, CA-13]
Rep. Bart Stupak [D, MI-1]
Rep. Betty Sutton [D, OH-13]
Rep. John Tanner [D, TN-8]
Rep. Ellen Tauscher [D, CA-10]
Rep. Gene Taylor [D, MS-4]
Rep. Bennie Thompson [D, MS-2]
Rep. C. Thompson [D, CA-1]
Rep. John Tierney [D, MA-6]
Rep. Edolphus Towns [D, NY-10]
Rep. Niki Tsongas [D, MA-5]
Sen. Tom Udall [D, NM]
Sen. Mark Udall [D, CO]
Rep. Christopher Van Hollen [D, MD-8]
Rep. Nydia Velázquez [D, NY-12]
Rep. Peter Visclosky [D, IN-1]
Rep. Timothy Walz [D, MN-1]
Rep. Debbie Wasserman Schultz [D, FL-20]
Rep. Maxine Waters [D, CA-35]
Rep. Diane Watson [D, CA-33]
Rep. Melvin Watt [D, NC-12]
Rep. Henry Waxman [D, CA-30]
Rep. Anthony Weiner [D, NY-9]
Rep. Peter Welch [D, VT-0]
Rep. Robert Wexler [D, FL-19]
Rep. Charles Wilson [D, OH-6]
Rep. Lynn Woolsey [D, CA-6]
Rep. David Wu [D, OR-1]
Albert Wynn
Rep. John Yarmuth [D, KY-3]

Close

Republicans Voting 'Aye'

Close

Rep. Spencer Bachus [R, AL-6]
Rep. Roscoe Bartlett [R, MD-6]
Rep. Judy Biggert [R, IL-13]
Rep. Jo Bonner [R, AL-1]
Rep. Vern Buchanan [R, FL-13]
Rep. Ken Calvert [R, CA-44]
Rep. Shelley Capito [R, WV-2]
Rep. Michael Castle [R, DE-0]
Steven Chabot
Rep. Charles Dent [R, PA-15]
Rep. Mario Diaz-Balart [R, FL-25]
Rep. Lincoln Diaz-Balart [R, FL-21]
Rep. David Dreier [R, CA-26]
Rep. Vernon Ehlers [R, MI-3]
Rep. Jo Ann Emerson [R, MO-8]
Philip English
Michael Ferguson
Rep. Jeffrey Fortenberry [R, NE-1]
Rep. Elton Gallegly [R, CA-24]
Rep. Jim Gerlach [R, PA-6]
Wayne Gilchrest
Rep. Samuel Graves [R, MO-6]
Robin Hayes
Rep. Dean Heller [R, NV-2]
David Hobson
Rep. Timothy Johnson [R, IL-15]
Rep. Walter Jones [R, NC-3]
Rep. Peter King [R, NY-3]
Rep. John Kline [R, MN-2]
Joseph Knollenberg
Ray LaHood
Rep. Thomas Latham [R, IA-4]
Rep. Steven LaTourette [R, OH-14]
Rep. Jerry Lewis [R, CA-41]
Rep. Frank LoBiondo [R, NJ-2]
Rep. Daniel Lungren [R, CA-3]
Rep. Thaddeus McCotter [R, MI-11]
Rep. John McHugh [R, NY-23]
Rep. Howard McKeon [R, CA-25]
Rep. Candice Miller [R, MI-10]
Rep. Jeff Miller [R, FL-1]
Rep. Gary Miller [R, CA-42]
Rep. Tim Murphy [R, PA-18]
Jon Porter
Deborah Pryce
Ralph Regula
Rep. Dave Reichert [R, WA-8]
Rick Renzi
Rep. Michael Rogers [R, MI-8]
Rep. Michael Rogers [R, AL-3]
Rep. Ileana Ros-Lehtinen [R, FL-18]
Christopher Shays
Rep. Michael Simpson [R, ID-2]
Rep. Christopher Smith [R, NJ-4]
Rep. Mark Souder [R, IN-3]
Rep. Clifford Stearns [R, FL-6]
Rep. Patrick Tiberi [R, OH-12]
Rep. Michael Turner [R, OH-3]
Rep. Frederick Upton [R, MI-6]
David Weldon
Rep. Edward Whitfield [R, KY-1]
Heather Wilson
Rep. Frank Wolf [R, VA-10]
Rep. C. W. Young [R, FL-10]

Close

Others Voting 'Aye'

Close

Close

Democrats Voting 'Nay'

Close

Close

Republicans Voting 'Nay'

Close

Rep. Robert Aderholt [R, AL-4]
Rep. W. Akin [R, MO-2]
Rep. Rodney Alexander [R, LA-5]
Rep. Michele Bachmann [R, MN-6]
Richard Baker
Rep. James Barrett [R, SC-3]
Rep. Joe Barton [R, TX-6]
Rep. Brian Bilbray [R, CA-50]
Rep. Gus Bilirakis [R, FL-9]
Rep. Rob Bishop [R, UT-1]
Rep. Marsha Blackburn [R, TN-7]
Rep. Roy Blunt [R, MO-7]
Rep. John Boehner [R, OH-8]
Rep. John Boozman [R, AR-3]
Rep. Charles Boustany [R, LA-7]
Rep. Kevin Brady [R, TX-8]
Rep. Paul Broun [R, GA-10]
Rep. Henry Brown [R, SC-1]
Rep. Virginia Brown-Waite [R, FL-5]
Rep. Michael Burgess [R, TX-26]
Rep. David Camp [R, MI-4]
Rep. John Campbell [R, CA-48]
Christopher Cannon
Rep. Eric Cantor [R, VA-7]
Rep. John Carter [R, TX-31]
Rep. Howard Coble [R, NC-6]
Rep. Tom Cole [R, OK-4]
Rep. K. Conaway [R, TX-11]
Rep. Ander Crenshaw [R, FL-4]
Rep. John Culberson [R, TX-7]
Thomas Davis
Rep. Geoff Davis [R, KY-4]
David Davis
Rep. Nathan Deal [R, GA-9]
John Doolittle
Thelma Drake
Rep. John Duncan [R, TN-2]
Rep. Mary Fallin [R, OK-5]
Tom Feeney
Rep. Jeff Flake [R, AZ-6]
Rep. James Forbes [R, VA-4]
Vito Fossella
Rep. Virginia Foxx [R, NC-5]
Rep. Trent Franks [R, AZ-2]
Rep. Rodney Frelinghuysen [R, NJ-11]
Rep. Scott Garrett [R, NJ-5]
Rep. John Gingrey [R, GA-11]
Rep. Louis Gohmert [R, TX-1]
Virgil Goode
Rep. Robert Goodlatte [R, VA-6]
Rep. Kay Granger [R, TX-12]
Rep. Ralph Hall [R, TX-4]
J. Hastert
Rep. Doc Hastings [R, WA-4]
Rep. Jeb Hensarling [R, TX-5]
Rep. Walter Herger [R, CA-2]
Rep. Peter Hoekstra [R, MI-2]
Kenny Hulshof
Duncan Hunter
Rep. Bob Inglis [R, SC-4]
Rep. Darrell Issa [R, CA-49]
Rep. Samuel Johnson [R, TX-3]
Rep. Jim Jordan [R, OH-4]
Ric Keller
Rep. Steve King [R, IA-5]
Rep. Jack Kingston [R, GA-1]
Rep. Mark Kirk [R, IL-10]
John Kuhl
Rep. Doug Lamborn [R, CO-5]
Ron Lewis
Rep. John Linder [R, GA-7]
Rep. Frank Lucas [R, OK-3]
Rep. Donald Manzullo [R, IL-16]
Rep. Kenny Marchant [R, TX-24]
Rep. Kevin McCarthy [R, CA-22]
Rep. Michael McCaul [R, TX-10]
James McCrery
Rep. Patrick Mchenry [R, NC-10]
Rep. Cathy McMorris Rodgers [R, WA-5]
Rep. John Mica [R, FL-7]
Rep. Jerry Moran [R, KS-1]
Marilyn Musgrave
Rep. Sue Myrick [R, NC-9]
Rep. Randy Neugebauer [R, TX-19]
Rep. Devin Nunes [R, CA-21]
Steven Pearce
Rep. Mike Pence [R, IN-6]
John Peterson
Rep. Thomas Petri [R, WI-6]
Charles Pickering
Rep. Joseph Pitts [R, PA-16]
Rep. Todd Platts [R, PA-19]
Rep. Ted Poe [R, TX-2]
Rep. Tom Price [R, GA-6]
Rep. Adam Putnam [R, FL-12]
Rep. George Radanovich [R, CA-19]
James Ramstad
Rep. Dennis Rehberg [R, MT-0]
Thomas Reynolds
Rep. Harold Rogers [R, KY-5]
Rep. Dana Rohrabacher [R, CA-46]
Rep. Peter Roskam [R, IL-6]
Rep. Edward Royce [R, CA-40]
Rep. Paul Ryan [R, WI-1]
Bill Sali
H. Saxton
Rep. Jean Schmidt [R, OH-2]
Rep. F. Sensenbrenner [R, WI-5]
Rep. Peter Sessions [R, TX-32]
Rep. John Shadegg [R, AZ-3]
Rep. John Shimkus [R, IL-19]
Rep. William Shuster [R, PA-9]
Rep. Lamar Smith [R, TX-21]
Rep. Adrian Smith [R, NE-3]
Rep. John Sullivan [R, OK-1]
Thomas Tancredo
Rep. Lee Terry [R, NE-2]
Rep. William Thornberry [R, TX-13]
Rep. Todd Tiahrt [R, KS-4]
Timothy Walberg
Rep. Greg Walden [R, OR-2]
James Walsh
Rep. Zach Wamp [R, TN-3]
Rep. Lynn Westmoreland [R, GA-3]
Sen. Roger Wicker [R, MS]
Rep. Addison Wilson [R, SC-2]
Rep. Donald Young [R, AK-0]

Close

Others Voting 'Nay'

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Close

Democrats Voting 'Abstain'

Close

Julia Carson
Rep. Michael Doyle [D, PA-14]
Rep. Dennis Kucinich [D, OH-10]
Rep. James Oberstar [D, MN-8]
Rep. John Salazar [D, CO-3]

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Republicans Voting 'Abstain'

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Rep. Mary Bono Mack [R, CA-45]
Rep. Dan Burton [R, IN-5]
Rep. Stephen Buyer [R, IN-4]
Barbara Cubin
Terry Everett
Bobby Jindal
Rep. Connie Mack [R, FL-14]
Rep. Ronald Paul [R, TX-14]
Gerald Weller

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Others Voting 'Abstain'

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Close

---

See Full Voting History (6 votes)Hide Voting History     Show All Actions (58 actions)Hide Actions

Voting History

Date	Chamber	Question	Aye	Nay	Result
November 15, 2007	House	H.R.3915 Mortgage Reform and Anti-Predatory Lending Act of 2007 On Passage: H R 3915 Mortgage Reform and Anti-Predatory Lending Act	291	127	Passed	See Vote
November 15, 2007	House	H.R.3915 Mortgage Reform and Anti-Predatory Lending Act of 2007 On Motion to Recommit with Instructions: H R 3915 Mortgage Reform and Anti-Predatory Lending Act	188	231	Failed	See Vote
November 15, 2007	House	H.R.3915 Mortgage Reform and Anti-Predatory Lending Act of 2007 On Agreeing to the Amendment: Amendment 16 to H R 3915	168	245	Failed	See Vote
November 15, 2007	House	H.R.3915 Mortgage Reform and Anti-Predatory Lending Act of 2007 On Agreeing to the Amendment: Amendment 13 to H R 3915	188	229	Failed	See Vote
November 15, 2007	House	H.R.3915 Mortgage Reform and Anti-Predatory Lending Act of 2007 On Agreeing to the Amendment: Amendment 5 to H R 3915	172	249	Failed	See Vote
November 15, 2007	House	H.R.3915 Mortgage Reform and Anti-Predatory Lending Act of 2007 On Agreeing to the Amendment: Amendment 4 to H R 3915	169	250	Failed	See Vote

All Bill Actions

• Dec 03, 2007: Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
• Nov 15, 2007: 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.
• Passed roll in the House on Nov 15, 2007. On passage Passed by the Yeas and Nays: 291 - 127 (Roll no. 1118).
• Nov 15, 2007: On motion to recommit with instructions Failed by recorded vote: 188 - 231 (Roll no. 1117).
• Nov 15, 2007: The previous question on the motion to recommit with instructions was ordered without objection.
• Nov 15, 2007: 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.
• Nov 15, 2007: Mrs. Blackburn moved to recommit with instructions to Financial Services.
• Nov 15, 2007: 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.
• Nov 15, 2007: The House rose from the Committee of the Whole House on the state of the Union to report H.R. 3915.
• Nov 15, 2007: The previous question was ordered pursuant to the rule.
• Nov 15, 2007: DEBATE - Pursuant to the provisions of H.Res. 825, the Committee of the Whole proceeded with ten minutes of debate on the Sutton amendment.
• Nov 15, 2007: 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.
• Nov 15, 2007: 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.
• Nov 15, 2007: DEBATE - Pursuant to the provisions of H.Res. 825, the Committee of the Whole proceeded with ten minutes of debate on the McHenry amendment.
• Nov 15, 2007: 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.
• Nov 15, 2007: 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.
• Nov 15, 2007: 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.
• Nov 15, 2007: 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.
• Nov 15, 2007: 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.
• Nov 15, 2007: 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.
• Nov 15, 2007: DEBATE - Pursuant to the provisions of H.Res. 825, the Committee of the Whole proceeded with ten minutes of debate on the Watt amendment.
• Nov 15, 2007: DEBATE - Pursuant to the provisions of H.Res. 825, the Committee of the Whole proceeded with ten minutes of debate on the Hensarling amendment.
• Nov 15, 2007: DEBATE - Pursuant to the provisions of H.Res. 825, the Committee of the Whole proceeded with ten minutes of debate on the Watt amendment.
• Nov 15, 2007: DEBATE - Pursuant to the provisions of H.Res. 825, the Committee of the Whole proceeded with ten minutes of debate on the Putnam amendment.
• Nov 15, 2007: DEBATE - Pursuant to the provisions of H.Res. 825, the Committee of the Whole proceeded with ten minutes of debate on the Watt amendment.
• Nov 15, 2007: Considered as unfinished business.
• Nov 15, 2007: The House resolved into Committee of the Whole House on the state of the Union for further consideration.
• Nov 15, 2007: Committee of the Whole House on the state of the Union rises leaving H.R. 3915 as unfinished business.
• Nov 15, 2007: On motion to rise Agreed to by voice vote.
• Nov 15, 2007: Mr. Frank (MA) moved to rise.
• Nov 15, 2007: 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.
• Nov 15, 2007: 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.
• Nov 15, 2007: 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.
• Nov 15, 2007: DEBATE - Pursuant to the provisions of H.Res. 825, the Committee of the Whole proceeded with ten minutes of debate on the Watt amendment.
• Nov 15, 2007: DEBATE - Pursuant to the provisions of H.Res. 825, the Committee of the Whole proceeded with ten minutes of debate on the Maloney amendment.
• Nov 15, 2007: The House resolved into Committee of the Whole House on the state of the Union for further consideration.
• Nov 15, 2007: Considered as unfinished business.
• Nov 15, 2007: Mr. Frank (MA) moved to rise.
• Nov 15, 2007: Committee of the Whole House on the state of the Union rises leaving H.R. 3915 as unfinished business.
• Nov 15, 2007: On motion to rise Agreed to by voice vote.
• Nov 15, 2007: DEBATE - Pursuant to the provisions of H.Res. 825, the Committee of the Whole proceeded with ten minutes of debate on the Kanjorski amendment.
• Nov 15, 2007: 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.
• Nov 15, 2007: GENERAL DEBATE - The Committee of the Whole proceeded with one hour of general debate on H.R. 3915.
• Nov 15, 2007: Considered under the provisions of rule H. Res. 825.
• Nov 15, 2007: The Speaker designated the Honorable Dennis A. Cardoza to act as Chairman of the Committee.
• Nov 15, 2007: House resolved itself into the Committee of the Whole House on the state of the Union pursuant to H. Res. 825 and Rule XVIII.
• Nov 15, 2007: 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.
• Nov 15, 2007: 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.
• Nov 15, 2007: Rule H. Res. 825 passed House.
• Nov 14, 2007: 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.
• Nov 09, 2007: Reported (Amended) by the Committee on Financial Services. H. Rept. 110-441.
• Added to calendar on Nov 09, 2007: Placed on the Union Calendar, Calendar No. 272..
• Added to calendar on Nov 07, 2007: Ordered to be Reported by Voice Vote..
• Nov 07, 2007: Committee Consideration and Mark-up Session Held.
• Added to calendar on Nov 06, 2007: Ordered to be Reported (Amended) by Voice Vote..
• Nov 06, 2007: Committee Consideration and Mark-up Session Held.
• Oct 22, 2007: Referred to the House Committee on Financial Services.
• Introduced on Oct 22, 2007.

---

Related Bills:

• H.Res.825

Related Issue Areas:

• Housing
• Administrative fees
• Administrative procedure
• Aged
• 47 more
• Bank employees
• Budgets
• Business
• Class actions (Civil procedure)
• Communications
• Consumer credit
• Consumer education
• Consumers
• Counseling
• Criminal justice
• Criminal justice information
• Department of Housing and Urban Development
• Executive departments
• Executive reorganization
• Federal advisory bodies
• Fees
• Finance
• Fines (Penalties)
• Fingerprints
• Foreclosure
• Fraud
• Government information
• Government publicity
• Governmental investigations
• Home ownership
• Housing for the aged
• Identification devices
• Identification of criminals
• Interest
• Interest rates
• Language and languages
• Law
• Leases
• Liability (Law)
• Licenses
• Limitation of actions
• Loan defaults
• Low-income housing
• Mortgage banks
• Mortgage guaranty insurance
• Mortgages
• Prosecution
• Public service advertising
• Real estate business
• Social services
• Standards
• Variable rate mortgage loans

Data from the Congressional Research Service

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