Open Congress : Major Bill Actions in Settlement costs

Bill Introduced: H.R.5830 Expand and Preserve Home Ownership Through Counseling Act

2008-04-17T00:00:00Z

To create a voluntary FHA program that provides mortgage refinancing assistance to allow families to stay in their homes, protect neighborhoods, and help stabilize the housing market.

Bill Introduced: H.R.4539 Department of Veterans Affairs Loan Guaranty Cost Reduction Act of 2007

2007-12-13T00:00:00Z

To amend title 38, United States Code, to make certain improvements to the housing loan benefit program of the Department of Veterans Affairs.

Bill Introduced: S.2452 Home Ownership Preservation and Protection Act of 2007

2007-12-12T00:00:00Z

A bill to amend the Truth in Lending Act to provide protection to consumers with respect to certain high-cost loans, and for other purposes.

Bill Introduced: S.2343 Real Estate Transparency Act of 2007

2007-11-13T00:00:00Z

A bill to amend the Real Estate Settlement Procedures Act to require mortgage originators to make their fees more transparent.

Bill Introduced: H.R.3725 Mortgage Disclosure Simplification Act of 2007

2007-10-02T00:00:00Z

To amend the Real Estate Settlement Procedures Act of 1974 to require the submission to each borrower under a federally related mortgage loan of a one-page description of the essential terms of the loan.

Bill Introduced: H.R.3012 Expanding Housing Opportunities Through Education and Counseling Act

2007-07-12T00:00:00Z

To amend the Truth in Lending Act to provide for the establishment of fair mortgage practices, generally, and for subprime mortgages in particular, to provide for a national system for licensing or registering residential mortgage loan originators, and for other purposes.

Bill Introduced: H.R.3019 Expand and Preserve Home Ownership Through Counseling Act

2007-07-12T00:00:00Z

To establish an Office of Housing Counseling to carry out and coordinate the responsibilities of the Department of Housing and Urban Development regarding counseling on homeownership and rental housing issues, to make grants to entities for providing such counseling, to launch a national housing counseling advertising campaign, and for other purposes.

Bill Introduced: H.R.1852 Expanding American Homeownership Act of 2007

2007-03-29T00:00:00Z

To modernize and update the National Housing Act and enable the Federal Housing Administration to use risk-based pricing to more effectively reach underserved borrowers, and for other purposes.

Bill Introduced: H.R.5352 Small Business Reauthorization Act of 2006

2006-05-11T00:00:00Z

To reauthorize programs to assist small business concerns, and for other purposes.

Bill Introduced: H.R.5137 Workforce Housing Act of 2006

2006-04-06T00:00:00Z

To assist first-time homebuyers to attain home ownership, and for other purposes.

Bill Introduced: S.2162 Local Development Business Loan Program Act of 2005

2005-12-21T00:00:00Z

A bill to foster local development by facilitating the delivery of financial assistance to small businesses, and for other purposes.

Bill Introduced: H.R.4471 Fair and Responsible Lending Act

2005-12-08T00:00:00Z

To amend the Home Ownership and Equity Protection Act of 1994 and other sections of the Truth in Lending Act, so as to enact the "Fair and Responsible Lending Act;" to provide for definitions; to provide for prohibited practices and limitations relating to high-cost home loans; to provide for prohibited practices and limitations relating to home loans; to provide for penalties and remedies and enforcement; to provide for corrections of certain unintentional violations; to provide for coordination with state laws; to provide for related matters; to provide for consumer counseling requirements; to expand housing counseling opportunities; and for other purposes.

Bill Introduced: S.1586 Interest on Business Checking Act of 2005

2005-07-29T00:00:00Z

A bill to allow all businesses to make up to 24 transfers each month from interest-bearing transaction accounts to other transaction accounts, to require the payment of interest on reserves held for depository institutions at Federal reserve banks, to repeal the prohibition of interest on business accounts, and for other purposes.

Bill Introduced: H.R.3556 Housing Affordability for Teachers and Public Officers Act of 2005

2005-07-28T00:00:00Z

To authorize the Secretary of Housing and Urban Development to carry out pilot programs to insure low-downpayment mortgages to enable teachers and public safety officers to purchase homes in the jurisdictions they serve and to assist Federal, State, and local public safety officers purchasing homes in locally-designated at-risk areas.

Bill Introduced: H.R.2750 Rural Housing Opportunity and Enhancement Act of 2005

2005-06-07T00:00:00Z

To amend section 502(h) of the Housing Act of 1949 to improve the rural housing loan guarantee program, and for other purposes.

Bill Introduced: H.R.2656 Rural Housing Opportunity and Enhancement Act of 2005

2005-05-26T00:00:00Z

To amend section 502(h) of the Housing Act of 1949 to improve the rural housing loan guarantee program, and for other purposes.

Bill Introduced: H.R.1295 Responsible Lending Act

2005-03-15T00:00:00Z

To protect consumers against unfair and deceptive practices in connection with higher cost mortgage transactions, to strengthen the civil remedies available to consumers under existing law, to provide for certain uniform lending standards, to improve housing counseling, to better mortgage servicing, to enhance appraisal standards and oversight, to establish licensing and minimum standards for mortgage brokers, and for other purposes.

Bill Introduced: H.R.1182 Prohibit Predatory Lending Act

2005-03-09T00:00:00Z

To amend the Truth in Lending Act to impose restrictions and limitations on high-cost mortgages, to revise the permissible fees and charges on certain loans made, to prohibit unfair or deceptive lending practices, and to provide for public education and counseling about predatory lenders, and for other purposes.