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Includes all politicians who were in office at any point during the 113th Congress.

S. 1577 - Mortgage Choice Act of 2013

Housing and community development. 113th Congress (2013-2014) View bill details
Sponsor:
Summary:
A bill to amend the Truth in Lending Act to improve upon the definitions provided for points and fees in connection with a mortgage transaction. (by CRS) 
Status:
The bill has been referred to committee. 
There have been no votes on this bill.

Mortgage Choice Act of 2013

S. 1577 — 113th Congress (2013–2014)

Summary
A bill to amend the Truth in Lending Act to improve upon the definitions provided for points and fees in connection with a mortgage transaction. (by CRS)
Learn More
At OpenCongress
Title
A bill to amend the Truth in Lending Act to improve upon the definitions provided for points and fees in connection with a mortgage transaction.
Other Titles
  • Mortgage Choice Act of 2013
  • Mortgage Choice Act of 2013
Sponsor
Joe Manchin, III
Co-Sponsors
Subjects
  • Housing and community development
  • Administrative law and regulatory procedures
  • Consumer Financial Protection Bureau
  • Housing finance and home ownership
  • User charges and fees
Related Bills
Major Actions
Introduced10/28/2013
Referred to Committee
Bill History

There have been no votes on this bill.

ActionDateDescription
Introduced10/28/2013
10/28/2013Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
10/28/2013Introduced in Senate
9/16/2014Committee on Banking, Housing, and Urban Affairs. Hearings held.
NumberSponsorDate OfferedStatus

Total contributions given to Senators from interest groups that…

supported this bill

Real estate
Commercial banks & bank holding companies
Real estate agents
Residential construction
Mortgage bankers and brokers
Credit unions
23 times as much
$11,018,814
$1,511,494
$1,239,308
$1,940,795
$5,908,282
$11,767,367
$33,386,060
$267,015
$39,000
$8,650
$384,580
$769,126
$1,468,371

opposed this bill

Minority/Ethnic Groups
Health & welfare policy
Labor Unions
Human Rights
Consumer groups
11 Organizations Supported and 18 Opposed; See Which Ones
11 Organizations Supported and 18 Opposed; See Which Ones

Organizations that took a position on
Mortgage Choice Act of 2013

11 organizations supported this bill

American Bankers Association
Ballentine, James (2014, May 5). ABA’s Views on Bills Scheduled for May 7 Mark-Up. Retrieved May 7, 2014, from American Bankers Association.
Community Mortgage Lenders of America
undersigned organizations (2014, May 5). Joint industry trade letter to HFSC urging support for H.R. 3211, the Mortgage Choice Act. Retrieved May 7, 2014, from Credit Union Insight.
Consumer Mortgage Coalition
undersigned organizations (2014, May 5). Joint industry trade letter to HFSC urging support for H.R. 3211, the Mortgage Choice Act. Retrieved May 7, 2014, from Credit Union Insight.
Credit Union National Association
Cheney, Bill (2014, May 6). Letter in Support of H.R. 3211, the Consumer Mortgage Choice Act. Retrieved May 7, 2014, from Credit Union National Association.
Leading Builders of America
undersigned organizations (2014, May 5). Joint industry trade letter to HFSC urging support for H.R. 3211, the Mortgage Choice Act. Retrieved May 7, 2014, from Credit Union Insight.
Mortgage Bankers Association
undersigned organizations (2014, May 5). Joint industry trade letter to HFSC urging support for H.R. 3211, the Mortgage Choice Act. Retrieved May 7, 2014, from Credit Union Insight.
National Association of Federal Credit Unions
undersigned organizations (2014, May 5). Joint industry trade letter to HFSC urging support for H.R. 3211, the Mortgage Choice Act. Retrieved May 7, 2014, from Credit Union Insight.
National Association of Home Builders
undersigned organizations (2014, May 5). Joint industry trade letter to HFSC urging support for H.R. 3211, the Mortgage Choice Act. Retrieved May 7, 2014, from Credit Union Insight.
National Association of Realtors
undersigned organizations (2014, May 5). Joint industry trade letter to HFSC urging support for H.R. 3211, the Mortgage Choice Act. Retrieved May 7, 2014, from Credit Union Insight.
Real Estate Services Providers Council
undersigned organizations (2014, May 5). Joint industry trade letter to HFSC urging support for H.R. 3211, the Mortgage Choice Act. Retrieved May 7, 2014, from Credit Union Insight.
The Realty Alliance
undersigned organizations (2014, May 5). Joint industry trade letter to HFSC urging support for H.R. 3211, the Mortgage Choice Act. Retrieved May 7, 2014, from Credit Union Insight.

18 organizations opposed this bill

AFL-CIO
undersigned organizations (2013, October 17). Letter Opposing HR 3211. Retrieved May 7, 2014, from National Consumer Law Center.
Alliance for a Just Society
undersigned organizations (2013, October 17). Letter Opposing HR 3211. Retrieved May 7, 2014, from National Consumer Law Center.
Americans for Financial Reform
undersigned organizations (2013, October 17). Letter Opposing HR 3211. Retrieved May 7, 2014, from National Consumer Law Center.
Center for Economic Justice
undersigned organizations (2013, October 17). Letter Opposing HR 3211. Retrieved May 7, 2014, from National Consumer Law Center.
Center for Responsible Lending
undersigned organizations (2013, October 17). Letter Opposing HR 3211. Retrieved May 7, 2014, from National Consumer Law Center.
Connecticut Fair Housing Center
undersigned organizations (2013, October 17). Letter Opposing HR 3211. Retrieved May 7, 2014, from National Consumer Law Center.
Consumer Action
undersigned organizations (2013, October 17). Letter Opposing HR 3211. Retrieved May 7, 2014, from National Consumer Law Center.
Consumer Federation of America
undersigned organizations (2013, October 17). Letter Opposing HR 3211. Retrieved May 7, 2014, from National Consumer Law Center.
Consumers Union
undersigned organizations (2013, October 17). Letter Opposing HR 3211. Retrieved May 7, 2014, from National Consumer Law Center.
empire justice center
undersigned organizations (2013, October 17). Letter Opposing HR 3211. Retrieved May 7, 2014, from National Consumer Law Center.
Home Defenders League
undersigned organizations (2013, October 17). Letter Opposing HR 3211. Retrieved May 7, 2014, from National Consumer Law Center.
Leadership Conference on Civil and Human Rights
undersigned organizations (2013, October 17). Letter Opposing HR 3211. Retrieved May 7, 2014, from National Consumer Law Center.
National Association of Consumer Advocates
undersigned organizations (2013, October 17). Letter Opposing HR 3211. Retrieved May 7, 2014, from National Consumer Law Center.
National Council of La Raza
undersigned organizations (2013, October 17). Letter Opposing HR 3211. Retrieved May 7, 2014, from National Consumer Law Center.
National Fair Housing Alliance
undersigned organizations (2013, October 17). Letter Opposing HR 3211. Retrieved May 7, 2014, from National Consumer Law Center.
New Economy Project
undersigned organizations (2013, October 17). Letter Opposing HR 3211. Retrieved May 7, 2014, from National Consumer Law Center.
Public Citizen
undersigned organizations (2013, October 17). Letter Opposing HR 3211. Retrieved May 7, 2014, from National Consumer Law Center.
Woodstock Institute
undersigned organizations (2013, October 17). Letter Opposing HR 3211. Retrieved May 7, 2014, from National Consumer Law Center.

Need proof?

View citations of support and opposition

Includes reported contributions to congressional campaigns of Senators in office during the 113th U.S. Congress, from interest groups invested in the vote according to MapLight, January 1, 2009 – December 31, 2014.
Contributions data source: OpenSecrets.org

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Contributions by Legislator

Namesort iconPartyState$ From Interest Groups
That Supported		$ From Interest Groups
That Opposed
Andrew Lamar AlexanderRTN$245,400$7,200
Kelly AyotteRNH$254,204$3,500
Tammy BaldwinDWI$135,134$31,222
John BarrassoRWY$120,783$1,000
Max BaucusDMT$190,003$4,750
Mark BegichDAK$256,975$41,215
Michael F. BennetDCO$528,545$30,000
Richard BlumenthalDCT$340,841$9,800
Roy BluntRMO$702,612$5,800
John BoozmanRAR$149,813$4,250
Barbara BoxerDCA$272,570$46,300
Sherrod BrownDOH$438,767$50,550
Richard BurrRNC$399,839$0
Maria CantwellDWA$136,385$9,422
Ben CardinDMD$265,993$27,250
Tom CarperDDE$235,370$3,450
Bob CaseyDPA$328,160$36,913
Clarence Saxby ChamblissRGA$50,120$15,250
Jeff ChiesaRNJ$0$0
Daniel CoatsRIN$210,933$0
Tom CoburnROK$104,510$0
William Thad CochranRMS$199,789$3,600
Susan M. CollinsRME$199,750$2,500
Christopher A. CoonsDDE$372,500$15,150
Bob CorkerRTN$797,494$5,500
John CornynRTX$733,649$0
Mike CrapoRID$238,910$0
Ted CruzRTX$705,183$800
Joe DonnellyDIN$192,571$17,750
Dick DurbinDIL$171,167$9,850
Mike EnziRWY$104,950$0
Dianne FeinsteinDCA$303,071$16,422
Deb FischerRNE$220,513$0
Jeff FlakeRAZ$325,972$3,950
Al FrankenDMN$246,395$15,950
Kirsten E. GillibrandDNY$1,257,467$67,013
Lindsey GrahamRSC$481,438$4,300
Chuck GrassleyRIA$162,399$9,050
Kay R. HaganDNC$408,526$19,457
Tom HarkinDIA$13,900$7,250
Orrin G. HatchRUT$379,266$17,850
Martin HeinrichDNM$164,409$33,333
Heidi HeitkampDND$131,419$9,222
Dean HellerRNV$427,349$0
Mazie K. HironoDHI$170,248$74,035
John HoevenRND$213,960$4,650
Jim InhofeROK$132,860$2,000
Johnny IsaksonRGA$746,153$5,000
Mike JohannsRNE$36,650$0
Ron JohnsonRWI$277,630$0
Tim JohnsonDSD$235,549$1,000
Tim KaineDVA$469,666$76,433
Angus S. King, Jr.IME$94,116$1,500
Mark KirkRIL$581,385$7,000
Amy KlobucharDMN$266,405$11,250
Mary L. LandrieuDLA$402,287$48,366
Patrick J. LeahyDVT$63,250$2,000
Mike LeeRUT$132,379$0
Carl LevinDMI$10$0
Joe Manchin, IIIDWV$302,050$24,750
Ed MarkeyDMA$459,300$27,275
John McCainRAZ$343,070$17,500
Claire McCaskillDMO$356,108$28,722
Addison "Mitch" McConnellRKY$1,165,714$10,200
Bob MenéndezDNJ$695,556$62,750
Jeff MerkleyDOR$165,148$1,250
Barbara A. MikulskiDMD$120,200$17,750
Jerry MoranRKS$327,244$12,100
Lisa MurkowskiRAK$138,620$5,800
Chris MurphyDCT$417,076$17,500
Patty MurrayDWA$210,791$30,700
Clarence "Bill" NelsonDFL$455,970$4,600
Rand PaulRKY$223,972$0
Rob PortmanROH$981,425$440
Mark L. PryorDAR$260,375$37,571
John "Jack" ReedDRI$209,368$1,750
Harry ReidDNV$545,602$49,150
Jim RischRID$106,900$0
Charles "Pat" RobertsRKS$311,100$4,439
John "Jay" RockefellerDWV$4,450$2,500
Marco RubioRFL$686,336$6,250
Bernie SandersIVT$37,350$4,450
Brian SchatzDHI$267,727$3,000
Chuck SchumerDNY$1,212,640$37,378
Tim ScottRSC$503,135$7,000
Jeff SessionsRAL$71,700$0
Jeanne ShaheenDNH$267,652$38,983
Richard C. ShelbyRAL$345,600$0
Debbie StabenowDMI$311,821$26,110
Jon TesterDMT$558,189$17,350
John ThuneRSD$413,164$0
Patrick J. ToomeyRPA$865,490$10,500
Mark UdallDCO$425,393$35,050
Tom UdallDNM$137,530$6,100
David VitterRLA$324,050$0
Mark R. WarnerDVA$878,500$13,650
Elizabeth WarrenDMA$303,452$62,450
Sheldon WhitehouseDRI$146,387$4,500
Roger F. WickerRMS$190,703$0
Ron WydenDOR$211,610$18,800

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NamePartyState$ From Interest Groups
That Supported		$ From Interest Groups
That Opposed
Andrew Lamar AlexanderRTN$245,400$7,200
Kelly AyotteRNH$254,204$3,500
Tammy BaldwinDWI$135,134$31,222
John BarrassoRWY$120,783$1,000
Max BaucusDMT$190,003$4,750
Mark BegichDAK$256,975$41,215
Michael F. BennetDCO$528,545$30,000
Richard BlumenthalDCT$340,841$9,800
Roy BluntRMO$702,612$5,800
John BoozmanRAR$149,813$4,250
Barbara BoxerDCA$272,570$46,300
Sherrod BrownDOH$438,767$50,550
Richard BurrRNC$399,839$0
Maria CantwellDWA$136,385$9,422
Ben CardinDMD$265,993$27,250
Tom CarperDDE$235,370$3,450
Bob CaseyDPA$328,160$36,913
Clarence Saxby ChamblissRGA$50,120$15,250
Jeff ChiesaRNJ$0$0
Daniel CoatsRIN$210,933$0
Tom CoburnROK$104,510$0
William Thad CochranRMS$199,789$3,600
Susan M. CollinsRME$199,750$2,500
Christopher A. CoonsDDE$372,500$15,150
Bob CorkerRTN$797,494$5,500
John CornynRTX$733,649$0
Mike CrapoRID$238,910$0
Ted CruzRTX$705,183$800
Joe DonnellyDIN$192,571$17,750
Dick DurbinDIL$171,167$9,850
Mike EnziRWY$104,950$0
Dianne FeinsteinDCA$303,071$16,422
Deb FischerRNE$220,513$0
Jeff FlakeRAZ$325,972$3,950
Al FrankenDMN$246,395$15,950
Kirsten E. GillibrandDNY$1,257,467$67,013
Lindsey GrahamRSC$481,438$4,300
Chuck GrassleyRIA$162,399$9,050
Kay R. HaganDNC$408,526$19,457
Tom HarkinDIA$13,900$7,250
Orrin G. HatchRUT$379,266$17,850
Martin HeinrichDNM$164,409$33,333
Heidi HeitkampDND$131,419$9,222
Dean HellerRNV$427,349$0
Mazie K. HironoDHI$170,248$74,035
John HoevenRND$213,960$4,650
Jim InhofeROK$132,860$2,000
Johnny IsaksonRGA$746,153$5,000
Mike JohannsRNE$36,650$0
Ron JohnsonRWI$277,630$0
Tim JohnsonDSD$235,549$1,000
Tim KaineDVA$469,666$76,433
Angus S. King, Jr.IME$94,116$1,500
Mark KirkRIL$581,385$7,000
Amy KlobucharDMN$266,405$11,250
Mary L. LandrieuDLA$402,287$48,366
Patrick J. LeahyDVT$63,250$2,000
Mike LeeRUT$132,379$0
Carl LevinDMI$10$0
Joe Manchin, IIIDWV$302,050$24,750
Ed MarkeyDMA$459,300$27,275
John McCainRAZ$343,070$17,500
Claire McCaskillDMO$356,108$28,722
Addison "Mitch" McConnellRKY$1,165,714$10,200
Bob MenéndezDNJ$695,556$62,750
Jeff MerkleyDOR$165,148$1,250
Barbara A. MikulskiDMD$120,200$17,750
Jerry MoranRKS$327,244$12,100
Lisa MurkowskiRAK$138,620$5,800
Chris MurphyDCT$417,076$17,500
Patty MurrayDWA$210,791$30,700
Clarence "Bill" NelsonDFL$455,970$4,600
Rand PaulRKY$223,972$0
Rob PortmanROH$981,425$440
Mark L. PryorDAR$260,375$37,571
John "Jack" ReedDRI$209,368$1,750
Harry ReidDNV$545,602$49,150
Jim RischRID$106,900$0
Charles "Pat" RobertsRKS$311,100$4,439
John "Jay" RockefellerDWV$4,450$2,500
Marco RubioRFL$686,336$6,250
Bernie SandersIVT$37,350$4,450
Brian SchatzDHI$267,727$3,000
Chuck SchumerDNY$1,212,640$37,378
Tim ScottRSC$503,135$7,000
Jeff SessionsRAL$71,700$0
Jeanne ShaheenDNH$267,652$38,983
Richard C. ShelbyRAL$345,600$0
Debbie StabenowDMI$311,821$26,110
Jon TesterDMT$558,189$17,350
John ThuneRSD$413,164$0
Patrick J. ToomeyRPA$865,490$10,500
Mark UdallDCO$425,393$35,050
Tom UdallDNM$137,530$6,100
David VitterRLA$324,050$0
Mark R. WarnerDVA$878,500$13,650
Elizabeth WarrenDMA$303,452$62,450
Sheldon WhitehouseDRI$146,387$4,500
Roger F. WickerRMS$190,703$0
Ron WydenDOR$211,610$18,800

Interest Groups that supported this bill

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$ Donated
Real estate$11,767,367
Commercial banks & bank holding companies$11,018,814
Real estate agents$5,908,282
Residential construction$1,940,795
Mortgage bankers and brokers$1,511,494
Credit unions$1,239,308

Interest Groups that opposed this bill

Uncheck All
Check All
$ Donated
Minority/Ethnic Groups$769,126
Health & welfare policy$384,580
Labor Unions$267,015
Human Rights$39,000
Consumer groups$8,650
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