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H.R.3915 Mortgage Reform and Anti-Predatory Lending Act of 2007, 110th Congress

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Official Bill Info

  • Latest Action: Dec 03, 2007 Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

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    I know the most recent action for this bill is as follows: "Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs." on Dec 03, 2007
  • Committee Assignment: House Committee on Financial Services

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    This bill has been assigned to the House Committee on Financial Services committee.
  • Committee Assignment: Senate Committee on Banking, Housing, and Urban Affairs

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    This bill has been assigned to the Senate Committee on Banking, Housing, and Urban Affairs committee.
  • This bill's most-recent vote occurred on November 15, 2007, with a roll call of 291 ayes, 127 nays, and 14 not voting.

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    This bill's most-recent vote occurred on November 15, 2007, with a roll call of 291 ayes, 127 nays, and 14 not voting.

Bill Statistics on OpenCongress

  • 67% of users support H.R.3915

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    67% of users on OpenCongress.org, a free, non-partisan resource, support H.R.3915.
  • H.R.3915 has been viewed 66,053 times

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    H.R.3915 has been viewed 66,053 times on OpenCongress.org, a free, non-partisan resource.
  • Contribution Data

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    Most-commented sections of the bill text

    Highest Rated User Comments

    • On February 24, 2010, by jonsmit129 - The above statement is seen to be contradictory. The situation is very critical and need an experience complainer to resolve it. ========== jonsmit <a href="http://www.ukmortgageadvice.net">Mortgage Advice</a>

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      As noted by jonsmit129, a user on OpenCongress.org, on February 24, 2010, "The above statement is seen to be contradictory. The situation is very critical and need an experience complainer to resolve it. ========== jonsmit <a href="http://www.ukmortgageadvice.net">Mortgage Advice</a>"
    • On January 16, 2008, by textdog - I was in Philadelphia in 2002-2003 when Bush came to speak and mentioned the predatory lending industry and how they mus tbe stopped. I watched him on this issue after he mentioned it and I guess he didn't find anything he could do to stop what was happening. Living in Philadelphia where there were hundreds of signs seeking out low-income residents for sub-prime loans, I felt like the least we could do was take down those signs in poor neighborhoods.

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      As noted by textdog, a user on OpenCongress.org, on January 16, 2008, "I was in Philadelphia in 2002-2003 when Bush came to speak and mentioned the predatory lending industry and how they mus tbe stopped. I watched him on this issue after he mentioned it and I guess he didn't find anything he could do to stop what was happening. Living in Philadelphia where there were hundreds of signs seeking out low-income residents for sub-prime loans, I felt like the least we could do was take down those signs in poor neighborhoods. "
    • On January 25, 2008, by margereis - It is not only sub prime loans that are the culprit. My disabled son and myself were put into a loan we could not afford. I started having second thoughts about the loan and wanted to back out and was told I could possibly be sued. Everyone knew I was not happy the way things were going but they just kept prompting me along with my son. We are now about to go into foreclosure and the good credit we had to be able to buy a home we could afford is long gone. The only solution the bank could come up with is We now don't qualify to save the loan so they suggested we put the home up for sale. When I asked the broker who was working with me to relist it He said he did not think he could sell it now. What now????

      Clicking this will add the following text:

      As noted by margereis, a user on OpenCongress.org, on January 25, 2008, "It is not only sub prime loans that are the culprit. My disabled son and myself were put into a loan we could not afford. I started having second thoughts about the loan and wanted to back out and was told I could possibly be sued. Everyone knew I was not happy the way things were going but they just kept prompting me along with my son. We are now about to go into foreclosure and the good credit we had to be able to buy a home we could afford is long gone. The only solution the bank could come up with is We now don't qualify to save the loan so they suggested we put the home up for sale. When I asked the broker who was working with me to relist it He said he did not think he could sell it now. What now????"

    Highly Rated Blog Articles

    • The Elite Mortgage Daily Blog: Unkind cuts Here's what to do if ... - January 07, 2009 by The Elite Mortgage Daily Blog - Work With Shannon. Shannon provides residential and small commercial mortgage solutions for owners and investors in the state of Wisconsin. Reach the team toll-free: -1-800-585-5774 -Email Shannon Luscher: ...

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      As noted by The Elite Mortgage Daily Blog on January 07, 2009, "Work With Shannon. Shannon provides residential and small commercial mortgage solutions for owners and investors in the state of Wisconsin. Reach the team toll-free: -1-800-585-5774 -Email Shannon Luscher: ..." (http://elitemortgagedaily.blogspot.com/2009/01/unkind-cuts-heres-what-to-do-if-your.html)
    • Real Estate Blog - Wake County Public School System not on the list? - January 05, 2009 by Eleanor's RTP Blog - ... housing values raleigh nc (1), hr 3915 (1), hurricane ike (1), hurricane preparedness (1), ice (1), ignite social media (1), in case of emergency (1), inspiration (2), interest (2), interest rate raleigh nc (1), interest rates (2) ...

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      As noted by Eleanor's RTP Blog on January 05, 2009, "... housing values raleigh nc (1), hr 3915 (1), hurricane ike (1), hurricane preparedness (1), ice (1), ignite social media (1), in case of emergency (1), inspiration (2), interest (2), interest rate raleigh nc (1), interest rates (2) ..." (http://activerain.com/blogsview/867607/Wake-County-Public-School-System-not-on-the-list)
    • Foreclosures Round Two? - January 05, 2009 by Untitled - ... HR 3221 · HR 3915 · HR 5140 · HR 5830 · HR 6254 · Lending Ethics · loan modifications · MBA Convention · Mortgage Fraud · Mortgage Industry Legislation · mortgage industry regulation

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      As noted by Untitled on January 05, 2009, "... HR 3221 · HR 3915 · HR 5140 · HR 5830 · HR 6254 · Lending Ethics · loan modifications · MBA Convention · Mortgage Fraud · Mortgage Industry Legislation · mortgage industry regulation" (http://titanlenderscorp.com/blog/2009/01/06/foreclosures-round-two/)

    Highly Rated News Articles

    • Addressing the Cause and Effect of the Credit Crisis, Legislating ... - April 11, 2008 by The Market Oracle,&nbsp;UK - On a positive note, some hints of prudence relative to such processes do appear to be hidden in HR 3915. (ii) Performs each appraisal in conformity with the ...

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      As noted by The Market Oracle,&nbsp;UK on April 11, 2008, "On a positive note, some hints of prudence relative to such processes do appear to be hidden in HR 3915. (ii) Performs each appraisal in conformity with the ..." (http://www.marketoracle.co.uk/Article4308.html)
    • Attempts to stem abusive practices failed - April 02, 2008 by Sun-Sentinel.com,&nbsp;FL - HR 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007, was passed by the House on Nov. 15, 2007. The bill is now in the Senate Committee on ...

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      As noted by Sun-Sentinel.com,&nbsp;FL on April 02, 2008, "HR 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007, was passed by the House on Nov. 15, 2007. The bill is now in the Senate Committee on ..." (http://www.sun-sentinel.com/news/opinion/sfl-forum06lendingsbapr06,0,7009333.story)
    • Nationwide licensing system for mortgage brokers debuts - January 01, 2008 by Inman.com (subscription),&nbsp;CA - But lawmakers in the House of Representatives endorsed the idea by incorporating it into HR 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007 ...

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      As noted by Inman.com (subscription),&nbsp;CA on January 01, 2008, "But lawmakers in the House of Representatives endorsed the idea by incorporating it into HR 3915, the Mortgage Reform and Anti-Predatory Lending Act of 2007 ..." (http://www.inman.com/inmannews.aspx?ID=65665)
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