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S.896 Helping Families Save Their Homes Act of 2009, 111th Congress

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Official Bill Info

  • Latest Action: May 20, 2009 Became Public Law No: 111-22.

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    I know the most recent action for this bill is as follows: "Became Public Law No: 111-22." on May 20, 2009
  • This bill's most-recent vote occurred on May 19, 2009, with a roll call of 367 ayes, 54 nays, and 11 not voting.

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    This bill's most-recent vote occurred on May 19, 2009, with a roll call of 367 ayes, 54 nays, and 11 not voting.

Bill Statistics on OpenCongress

  • 32% of users support S.896

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    32% of users on OpenCongress.org, a free, non-partisan resource, support S.896.
  • S.896 has been viewed 80,545 times

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    S.896 has been viewed 80,545 times on OpenCongress.org, a free, non-partisan resource.
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    OpenCongress Bill Summary

    • This bill would provide government bonuses for lenders that voluntarily modify troubled mortgages, provide legal protection to mortgage servicers who work out loan modifications, make several changes to the Hope for Homeowners program, reform the FDIC insurance fund, and more. Unlike the House version (H.R. 1106) it does not contain cramdown -- a provision empowering bankruptcy judges to reduce principals and interest rates for homeowners in bankruptcy. Sen. Dick Durbin (D-IL) attempted to add cramdown on April 30, 2009 as an amendment, but it was rejected by a vote of 45-51.

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      Here's a summary from OpenCongress.org: This bill would provide government bonuses for lenders that voluntarily modify troubled mortgages, provide legal protection to mortgage servicers who work out loan modifications, make several changes to the Hope for Homeowners program, reform the FDIC insurance fund, and more. Unlike the House version (H.R. 1106) it does not contain cramdown -- a provision empowering bankruptcy judges to reduce principals and interest rates for homeowners in bankruptcy. Sen. Dick Durbin (D-IL) attempted to add cramdown on April 30, 2009 as an amendment, but it was rejected by a vote of 45-51.

    Most-commented sections of the bill text

    Highest Rated User Comments

    • On June 16, 2009, by Erwi31 - Why did the name change on this bill? I guess it was not meant for us homeowners to be bailed out.

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      As noted by Erwi31, a user on OpenCongress.org, on June 16, 2009, "Why did the name change on this bill? I guess it was not meant for us homeowners to be bailed out."
    • On May 20, 2009, by jtimberman - When people buy things they can't afford on stupid loans they shouldn't have signed up for, why do those of us who are fiscally responsible have to fund it through taxes? Why do we need more legislation to allow people to continue in their stupidity and failure? This is not going to solve any problems, because the root of the issue is that people don't have personal responsibility in their lives. "I'm from the Government and I'm here to help" should be words that strike fear in the hearts of the people. The Government is NOT here to help, they're hear to make as many people as happy as possible so their campaigns get voted on and they can stay in office longer.

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      As noted by jtimberman, a user on OpenCongress.org, on May 20, 2009, "When people buy things they can't afford on stupid loans they shouldn't have signed up for, why do those of us who are fiscally responsible have to fund it through taxes? Why do we need more legislation to allow people to continue in their stupidity and failure? This is not going to solve any problems, because the root of the issue is that people don't have personal responsibility in their lives. "I'm from the Government and I'm here to help" should be words that strike fear in the hearts of the people. The Government is NOT here to help, they're hear to make as many people as happy as possible so their campaigns get voted on and they can stay in office longer."
    • On May 02, 2009, by CobwebsMom - The tragedy of failure of this bill is that it shows that we still haven't got "change" we can count on. The bankers have won, again. And thousands of victims of the banks unethical practices will lose their homes and life savings.

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      As noted by CobwebsMom, a user on OpenCongress.org, on May 02, 2009, "The tragedy of failure of this bill is that it shows that we still haven't got "change" we can count on. The bankers have won, again. And thousands of victims of the banks unethical practices will lose their homes and life savings."

    Highly Rated Blog Articles

    • Climate change - U.S. Congress - OpenCongress - May 19, 2011 by opencongress.org - S.896 - Public Lands Service Corps Act of 2011. A bill to amend the Public Land Corps Act of 1993 to expand the authorization of the Secretaries of Agriculture, Commerce, and the Interior to... Introduced May 18, 2011 22 Views ... OpenCongress syndication

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      As noted by opencongress.org on May 19, 2011, "S.896 - Public Lands Service Corps Act of 2011. A bill to amend the Public Land Corps Act of 1993 to expand the authorization of the Secretaries of Agriculture, Commerce, and the Interior to... Introduced May 18, 2011 22 Views ... OpenCongress syndication " (http://www.opencongress.org/issues/show/5736_climate_change)
    • Obama Signs Help Families Save Their Homes Act | RCST 2007-2010 - December 23, 2010 by RCST 2007-2010 - Yesterday, President Obama signed the Helping Families Save Their Homes Act of 2009 (S.896) into law. The goals of this law are to prevent mortgage foreclosures and enhance mortgage credit availability. Some of the highlights are listed ...

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      As noted by RCST 2007-2010 on December 23, 2010, "Yesterday, President Obama signed the Helping Families Save Their Homes Act of 2009 (S.896) into law. The goals of this law are to prevent mortgage foreclosures and enhance mortgage credit availability. Some of the highlights are listed ..." (http://www.rcst2007.org/obama-signs-help-families-save-their-homes-act/)
    • Bipartisan Affordable Housing Bill for Individuals with ... - December 21, 2010 by U.S. States - Washington, DC - May 20, 2009 - (RealEstateRama) — Late this afternoon, Congressman Steve Cohen (TN-09) participated in a White House ceremony with President Obama that enacted S. 896, The Helping Families Save Their Homes Act. The new ...

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      As noted by U.S. States on December 21, 2010, "Washington, DC - May 20, 2009 - (RealEstateRama) — Late this afternoon, Congressman Steve Cohen (TN-09) participated in a White House ceremony with President Obama that enacted S. 896, The Helping Families Save Their Homes Act. The new ..." (http://states.realestaterama.com/2010/12/22/bipartisan-affordable-housing-bill-for-individuals-with-disabilities-sent-to-president-obama-to-be-signed-into-law-ID011983.html)

    Highly Rated News Articles

    • A closer look at new housing law - May 28, 2009 by The Union of Grass Valley - Congress recently passed the Helping Families Save Their Homes Act (S. 896), and President Barack Obama signed it into law last week. In the last column, ...

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      As noted by The Union of Grass Valley on May 28, 2009, "Congress recently passed the Helping Families Save Their Homes Act (S. 896), and President Barack Obama signed it into law last week. In the last column, ..." (http://www.theunion.com/article/20090529/NEWS/905289954/1053/NONE&parentprofile=1053)
    • FDIC Won't Rule Out Banks as Buyers of Toxic Assets - May 27, 2009 by Seeking Alpha - Enter the Boxer/Ensign amendment, which is attached to S. 896. It reads: To provide for oversight of a Public-Private Investment Program, and to authorize ...

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      As noted by Seeking Alpha on May 27, 2009, "Enter the Boxer/Ensign amendment, which is attached to S. 896. It reads: To provide for oversight of a Public-Private Investment Program, and to authorize ..." (http://seekingalpha.com/article/140122-fdic-wont-rule-out-banks-as-buyers-of-toxic-assets)
    • DOING HER PART - May 27, 2009 by L.A. Watts Times (subscription) - DOING HER PART — Congresswoman Maxine Waters (second from right), at the White House signing ceremony of the Helping Families Save Their Homes Act (S. 896) ...

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      As noted by L.A. Watts Times (subscription) on May 27, 2009, "DOING HER PART — Congresswoman Maxine Waters (second from right), at the White House signing ceremony of the Helping Families Save Their Homes Act (S. 896) ..." (http://www.lawattstimes.com/life-and-style-mainmenu-31/community/759-doing-her-part.html)
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