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H.R.200 Helping Families Save Their Homes in Bankruptcy Act of 2009, 111th Congress

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Official Bill Info

  • Latest Action: Feb 24, 2009 Placed on the Union Calendar, Calendar No. 7.

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    I know the most recent action for this bill is as follows: "Placed on the Union Calendar, Calendar No. 7." on Feb 24, 2009
  • Committee Assignment: House Committee on the Judiciary

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    This bill has been assigned to the House Committee on the Judiciary committee.

Bill Statistics on OpenCongress

  • 46% of users support H.R.200

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    46% of users on OpenCongress.org, a free, non-partisan resource, support H.R.200.
  • H.R.200 has been viewed 26,079 times

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    H.R.200 has been viewed 26,079 times on OpenCongress.org, a free, non-partisan resource.
  • Contribution Data

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    Supporting Organizations

    • Center for Responsible Lending

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      I know that the organization Center for Responsible Lending supports H.R.200

    Opposing Organizations

    • Credit Union National Association

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      I know that the organization Credit Union National Association opposes H.R.200
    • Wells Fargo

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      I know that the organization Wells Fargo opposes H.R.200
    • JPMorgan Chase & Co.

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      I know that the organization JPMorgan Chase & Co. opposes H.R.200
    • Mortgage Bankers Association

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      I know that the organization Mortgage Bankers Association opposes H.R.200
    • American Bankers Association

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      I know that the organization American Bankers Association opposes H.R.200
    • The Financial Services Roundtable

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      I know that the organization The Financial Services Roundtable opposes H.R.200

    Most-commented sections of the bill text

    • (1 comments, Link )

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      specifically, this section of the legislation: "",

    Highest Rated User Comments

    • On February 02, 2009, by Anonymous - I would try to solve this problem by limiting the Bankruptcy change to loans made between mid-2004 and mid-2008, the so called "toxic loans." The exception for mortgage loans has been in the Code for a long time and caused no problems. It does not need to be changed forever. It just needs to deal with a particular crisis caused by a short departure from traditional underwriting standards. This will help those who need help now, but allow the mortgage industry to package mortgage products in the future and sell them to investors without the added problem of explaining a new risk to them. This would help us all since we need those investors buying loans again to make the system work and new mortgages to be made.

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      As noted by Anonymous, a user on OpenCongress.org, on February 02, 2009, "I would try to solve this problem by limiting the Bankruptcy change to loans made between mid-2004 and mid-2008, the so called "toxic loans." The exception for mortgage loans has been in the Code for a long time and caused no problems. It does not need to be changed forever. It just needs to deal with a particular crisis caused by a short departure from traditional underwriting standards. This will help those who need help now, but allow the mortgage industry to package mortgage products in the future and sell them to investors without the added problem of explaining a new risk to them. This would help us all since we need those investors buying loans again to make the system work and new mortgages to be made."
    • On February 11, 2009, by Anonymous - This is great approach to a key trouble in the banking system. Once the loans are “re-set” with lending terms, a bank can now assess its balance sheets and begin loaning moneys out, or re-selling those mortgage backed securities – the bane of all the troubles we have. There was a similar event in the 1980s with farms. Many farmers had bad loans, plus bad economic times with farming goods. And the bankruptcy code was re-written to make a “chapter 12” to help farmers. Not all farmers used it. But it was very successful and was kept permanent in the bankruptcy codes. With all frankness, we need to make a STRONG effort to help the common person in our country. Our representatives are quick to help those citizens with means and wealth. Those citizens are getting government help for making bad business decisions!!! Wow. I hope the change happens faster – in one or two months.

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      As noted by Anonymous, a user on OpenCongress.org, on February 11, 2009, "This is great approach to a key trouble in the banking system. Once the loans are “re-set” with lending terms, a bank can now assess its balance sheets and begin loaning moneys out, or re-selling those mortgage backed securities – the bane of all the troubles we have. There was a similar event in the 1980s with farms. Many farmers had bad loans, plus bad economic times with farming goods. And the bankruptcy code was re-written to make a “chapter 12” to help farmers. Not all farmers used it. But it was very successful and was kept permanent in the bankruptcy codes. With all frankness, we need to make a STRONG effort to help the common person in our country. Our representatives are quick to help those citizens with means and wealth. Those citizens are getting government help for making bad business decisions!!! Wow. I hope the change happens faster – in one or two months. "
    • On February 03, 2009, by Anonymous - this would also put out of business all of the so called loan mod specialists that are stealing from people dont get me started they take money from people claiming the can get a loan mod give me 3500 and 600 per month and i will try to mod your loan it never happens

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      As noted by Anonymous, a user on OpenCongress.org, on February 03, 2009, "this would also put out of business all of the so called loan mod specialists that are stealing from people dont get me started they take money from people claiming the can get a loan mod give me 3500 and 600 per month and i will try to mod your loan it never happens"

    Highly Rated Blog Articles

    • House Roll Call #200 Details - OpenCongress - March 29, 2011 by opencongress.org - Question On Agreeing to the Resolution: H RES 186 Providing for consideration of the bill (H.R. 471) to reauthorize the DC opportunity scholarship program, and for other purposes. Ayes: 235 (Democrat: 2; Republican: 233) ...

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      As noted by opencongress.org on March 29, 2011, "Question On Agreeing to the Resolution: H RES 186 Providing for consideration of the bill (H.R. 471) to reauthorize the DC opportunity scholarship program, and for other purposes. Ayes: 235 (Democrat: 2; Republican: 233) ..." (http://www.opencongress.org/vote/2011/h/200)
    • Stop Foreclosure - January 02, 2011 by Brighton Houses for Sale - HR 200, the “Helping Families Save Their Homes in Bankruptcy Act of 2009,” includes several ideas similar to President Obama's stimulus plan. Have you been affected by the foreclosure crisis? We want to tell you story. ...

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      As noted by Brighton Houses for Sale on January 02, 2011, "HR 200, the “Helping Families Save Their Homes in Bankruptcy Act of 2009,” includes several ideas similar to President Obama's stimulus plan. Have you been affected by the foreclosure crisis? We want to tell you story. ..." (http://brightonhousesforsale.com/stop-foreclosure-2/)
    • Texas Rangers Trades: Updated Top 50 All-Time Rangers List - January 01, 2011 by Texas Rangers Trades - Gary Ward: .293 AVG, 41 HR, 200 RBI, All-Star (85) [was 42] 46. Jim Kern: 37 saves, 17-18, 2.59 ERA, 236.1 IP, 196 K, Rolaids Fireman of Year (79), All-Star (79), Save-Leader (79) [was 43] 47. Jeff Zimmerman: 32 saves, 17-12, 3.27 ERA, ...

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      As noted by Texas Rangers Trades on January 01, 2011, "Gary Ward: .293 AVG, 41 HR, 200 RBI, All-Star (85) [was 42] 46. Jim Kern: 37 saves, 17-18, 2.59 ERA, 236.1 IP, 196 K, Rolaids Fireman of Year (79), All-Star (79), Save-Leader (79) [was 43] 47. Jeff Zimmerman: 32 saves, 17-12, 3.27 ERA, ..." (http://texasrangerstrades.blogspot.com/2011/01/updated-top-50-all-time-rangers-list.html)

    Highly Rated News Articles

    • The Uproar Over AIG's Bonuses - March 18, 2009 by Washington Post - By passing the Helping Families Save Their Homes in Bankruptcy Act of 2009 (HR 200), Congress would provide a real solution to the current crisis and at no ...

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      As noted by Washington Post on March 18, 2009, "By passing the Helping Families Save Their Homes in Bankruptcy Act of 2009 (HR 200), Congress would provide a real solution to the current crisis and at no ..." (http://www.washingtonpost.com/wp-dyn/content/article/2009/03/18/AR2009031803385.html)
    • Financial Services Report - Spring 2009 - March 17, 2009 by Linex Legal - On January 27, 2009, Representative Conyers’s bill (HR 200) passed the House Judiciary Committee in a party-line vote and was modified to incorporate the ...

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      As noted by Linex Legal on March 17, 2009, "On January 27, 2009, Representative Conyers’s bill (HR 200) passed the House Judiciary Committee in a party-line vote and was modified to incorporate the ..." (http://www.linexlegal.com/content.php?content_id=84130)
    • Affordable Housing Finance - March 10, 2009 by Affordable Housing Finance - The House Judiciary Committee has approved a cramdown bill (HR 200) that would let a bankruptcy court modify the terms of a loan originated prior to the ...

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      As noted by Affordable Housing Finance on March 10, 2009, "The House Judiciary Committee has approved a cramdown bill (HR 200) that would let a bankruptcy court modify the terms of a loan originated prior to the ..." (http://www.housingfinance.com/ahf/articles/2009/mar/0309-housingpolicy-foreclosurecrisis.htm)
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