Mortgage bankers and brokers

An Act to provide for reconciliation pursuant to titles II and V of the concurrent resolution on the budget for fiscal year 2018. (by CRS) Hide

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) Hide

To amend the Flood Disaster Protection Act of 1973 to require that certain buildings and personal property be covered by flood insurance, and for other purposes. (by CRS) Hide

To amend the Truth in Lending Act to modify the definitions of a mortgage originator and a high-cost mortgage, to amend the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 to modify the definition of a loan originator, and for other purposes. (by CRS) Hide

To amend the Truth in Lending Act to include retrofit loans such as property assessed clean energy loans, and for other purposes. (by CRS) Hide

To amend the Federal Deposit Insurance Act to clarify capital requirements for certain acquisition, development, or construction loans. (by CRS) Hide

To amend the Truth in Lending Act to clarify that the points and fees in connection with a mortgage loan do not include certain compensation amounts already taken into account in setting the interest rate on such loan, and for other purposes. (by CRS) Hide

To achieve reforms to improve the financial stability of the National Flood Insurance Program, to enhance the development of more accurate estimates of flood risk through new technology and better maps, to increase the role of private markets in the management of flood insurance risks, and to provide for alternative methods to insure against flood peril, and for other purposes. (by CRS) Hide

To amend the S.A.F.E. Mortgage Licensing Act of 2008 to provide a temporary license for loan originators transitioning between employers, and for other purposes. (by CRS) Hide

To amend title 49, United States Code, to extend authorizations for the airport improvement program, to amend the Internal Revenue Code of 1986 to extend the funding and expenditure authority of the Airport and Airway Trust Fund, to provide disaster tax relief, and for other purposes. (by CRS) Hide

To amend the Real Estate Settlement Procedures Act of 1974 to modify requirements related to mortgage disclosures, and for other purposes. (by CRS) Hide

To amend the Federal Financial Institutions Examination Council Act of 1978 to improve the examination of depository institutions, and for other purposes. (by CRS) Hide

To amend the Economic Growth and Regulatory Paperwork Reduction Act of 1996 to ensure that Federal financial regulators perform a comprehensive review of regulations to identify outdated or otherwise unnecessary regulatory requirements imposed on covered persons, and for other purposes. (by CRS) Hide

To amend the Consumer Financial Protection Act of 2010 to make the Bureau of Consumer Financial Protection an independent Financial Product Safety Commission, and for other purposes. (by CRS) Hide

To amend the Consumer Financial Protection Act of 2010 to provide procedures for guidance issued by the Bureau of Consumer Financial Protection, and for other purposes. (by CRS) Hide

A bill to require Fannie Mae and Freddie Mac to establish procedures for considering certain credit scores in making a determination whether to purchase a residential mortgage, and for other purposes. (by CRS) Hide

A bill to promote economic growth, provide tailored regulatory relief, and enhance consumer protections, and for other purposes. (by CRS) Hide

A bill to amend the Federal Home Loan Bank Act to allow a captive insurance company that was a member of a Federal Home Loan Bank before January 19, 2016, to continue or restore the membership of the captive insurance company in the Federal Home Loan Bank, and for other purposes. (by CRS) Hide

A bill to amend the Flood Disaster Protection Act of 1973 to require that certain buildings and personal property be covered by flood insurance, and for other purposes. (by CRS) Hide

A bill to amend the Truth in Lending Act to include retrofit loans such as property assessed clean energy loans, and for other purposes. (by CRS) Hide

To extend the pilot program under section 258 of the National Housing Act that establishes an automated process for providing alternative credit rating information for mortgagors and prospective mortgagors under certain mortgages. (by CRS) Hide

To amend the Consumer Financial Protection Act of 2010 to bring the Bureau of Consumer Financial Protection into the regular appropriations process, and for other purposes. (by CRS) Hide

To amend the Consumer Financial Protection Act of 2010 to strengthen the review authority of the Financial Stability Oversight Council of regulations issued by the Bureau of Consumer Financial Protection, and for other purposes. (by CRS) Hide

To amend the Consumer Financial Protection Act of 2010 to make the Bureau of Consumer Financial Protection an independent Financial Product Safety Commission, and for other purposes. (by CRS) Hide

To amend the S.A.F.E. Mortgage Licensing Act of 2008 to provide a temporary license for loan originators transitioning between employers, and for other purposes. (by CRS) Hide

An act to authorize funds for Federal-aid highways, highway safety programs, and transit programs, and for other purposes. (by CRS) Hide

To provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. (by CRS) Hide

To exclude from consumer credit reports certain medical debt that is less than 180 days delinquent or that has been in collection and has been fully paid or settled, to amend the Fair Debt Collection Practices Act to provide for a timetable for verification of medical debt and to increase the efficiency of credit markets with more perfect information, and for other purposes. (by CRS) Hide

Making appropriations for the Departments of Transportation, and Housing and Urban Development, and related agencies for the fiscal year ending September 30, 2016, and for other purposes. (by CRS) Hide

To extend the termination date of the Terrorism Insurance Program established under the Terrorism Risk Insurance Act of 2002, and for other purposes. (by CRS) Hide

To amend the Flood Disaster Protection Act of 1973 to require that certain buildings and personal property be covered by flood insurance, and for other purposes. (by CRS) Hide

To provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. (by CRS) Hide

To amend the Truth in Lending Act to clarify that the points and fees in connection with a mortgage loan do not include certain compensation amounts already taken into account in setting the interest rate on such loan, and for other purposes. (by CRS) Hide

To provide housing opportunities in the United States through modernization of various housing programs, and for other purposes. (by CRS) Hide

To require the withdrawal and study of the Federal Housing Finance Agency's proposed rule on Federal Home Loan Bank membership, and for other purposes. (by CRS) Hide

To amend the Fair Credit Reporting Act to clarify Federal law with respect to reporting certain positive consumer credit information to consumer reporting agencies, and for other purposes. (by CRS) Hide

To require Fannie Mae and Freddie Mac to establish procedures for considering certain credit scores in making a determination whether to purchase a residential mortgage, and for other purposes. (by CRS) Hide

To amend the Securities Exchange Act of 1934 to exempt certain commercial real estate loans from risk retention requirements, and for other purposes. (by CRS) Hide

To amend the Internal Revenue Code of 1986 to provide incentives for employer-provided employee housing assistance, and for other purposes. (by CRS) Hide

To preserve competition among mortgage lenders, provide relief from unnecessary regulatory requirements on responsible community mortgage lenders, and for other purposes. (by CRS) Hide

To amend the Immigration and Nationality Act to provide for reforms to the EB-5 immigrant investor program, and for other purposes. (by CRS) Hide

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) Hide

An original bill to improve accountability and transparency in the United States financial regulatory system, protect access to credit for consumers, provide sensible relief to financial institutions, and for other purposes. (by CRS) Hide

A bill to amend the Flood Disaster Protection Act of 1973 to require that certain buildings and personal property be covered by flood insurance, and for other purposes. (by CRS) Hide

A bill to provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. (by CRS) Hide

A bill to amend the Fair Credit Reporting Act to clarify Federal law with respect to reporting certain positive consumer credit information to consumer reporting agencies, and for other purposes. (by CRS) Hide

A bill to extend temporarily the extended period of protection for members of uniformed services relating to mortgages, mortgage foreclosure, and eviction, and for other purposes. (by CRS) Hide

A bill to amend the Fair Credit Reporting Act by instituting a 180-day waiting period before medical debt will be reported on a consumer's credit report and removing paid-off and settled medical debts from credit reports that have been fully paid or settled, to amend the Fair Debt Collection Practices Act by providing for a timetable for verification of medical debt and to increase the efficiency of credit markets with more perfect information, and for other purposes. (by CRS) Hide

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) Hide

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) Hide

To delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012, and for other purposes. (by CRS) Hide

Making appropriations for the Departments of Commerce and Justice, Science, and Related Agencies for the fiscal year ending September 30, 2015, and for other purposes. (by CRS) Hide

To amend the Internal Revenue Code of 1986 to make permanent and expand the temporary minimum credit rate for the low-income housing tax credit program. (by CRS) Hide

To clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act, to improve upon the definitions provided for points and fees in connection with a mortgage transaction, and for other purposes. (by CRS) Hide

To provide for the expansion of affordable refinancing of mortgages held by the Federal National Mortgage Association and the Federal Home Loan Mortgage Corporation. (by CRS) Hide

A bill to improve the Federal Housing Administration and to ensure the solvency of the Mutual Mortgage Insurance Fund, and for other purposes. (by CRS) Hide

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) Hide

A bill to delay the implementation of certain provisions of the Biggert-Waters Flood Insurance Reform Act of 2012 and to reform the National Association of Registered Agents and Brokers, and for other purposes. (by CRS) Hide

A bill to extend the termination date of the Terrorism Insurance Program established under the Terrorism Risk Insurance Act of 2002, and for other purposes. (by CRS) Hide

To amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to strengthen the review authority of the Financial Stability Oversight Council of regulations issued by the Bureau of Consumer Financial Protection, to rescind the unobligated funding for the FHA Refinance Program and to terminate the program, and for other purposes. (by CRS) Hide

To establish a sustainable Federal Secondary Market Facility for Residential Mortgages that is financed by private capital, to terminate the conservatorships of Fannie Mae and Freddie Mac and repeal the charter Acts of such enterprises, and for other purposes. (by CRS) Hide

To amend the Communications Act of 1934 to permit informational calls to mobile telephone numbers, and for other purposes. (by CRS) Hide

To help ensure the fiscal solvency of the FHA mortgage insurance programs of the Secretary of Housing and Urban Development, and for other purposes. (by CRS) Hide

To amend the Emergency Economic Stabilization Act of 2008 to terminate the authority of the Secretary of the Treasury to provide new assistance under the Home Affordable Modification Program, while preserving assistance to homeowners who were already extended an offer to participate in the Program, either on a trial or permanent basis. (by CRS) Hide

To establish standards for covered bond programs and a covered bond regulatory oversight program, and for other purposes. (by CRS) Hide

A bill to extend loan limits for programs of the Federal Housing Administration, the government-sponsored enterprises, and the Department of Veterans Affairs, and for other purposes. (by CRS) Hide

A bill to establish standards for covered bond programs and a covered bond regulatory oversight program, and for other purposes. (by CRS) Hide

A bill to provide for the expansion of affordable refinancing of mortgages held by the Federal National Mortgage Association and the Federal Home Loan Mortgage Corporation. (by CRS) Hide

A bill to amend the Internal Revenue Code of 1986 to improve and extend the deduction for new and existing energy-efficient commercial buildings, and for other purposes. (by CRS) Hide

A bill to replace the Director of the Bureau of Consumer Financial Protection with a 5-person Commission, to bring the Bureau into the regular appropriations process, and for other purposes. (by CRS) Hide

Computation of debt will not include debt incurred by a person's home and bankruptcy (Ch. 13) will be avoided if payment to debtors would require the foreclosure of one's home. Loan repayment contracts and mortgages may be subject to cancellation or amendment if payment would require the foreclosure of the debtor's home. Fees and charges to debt files are limited. (by CRS) Hide

To amend the Truth in Lending Act to reform consumer mortgage practices and provide accountability for such practices, to provide certain minimum standards for consumer mortgage loans, and for other purposes. (by CRS) Hide

To amend title 11 of the United States Code with respect to modification of certain mortgages on principal residences, and for other purposes. (by CRS) Hide

To amend title 11 of the United States Code with respect to modification of certain mortgages on principal residences, and for other purposes. (by CRS) Hide

To amend the Federal Credit Union Act to advance the ability of credit unions to promote small business growth and economic development opportunities, and for other purposes. (by CRS) Hide

To exclude from consumer credit reports medical debt that has been in collection and has been fully paid or settled, and for other purposes. (by CRS) Hide

To reform the Troubled Assets Relief Program of the Secretary of the Treasury and ensure accountability under such Program. (by CRS) Hide

A bill to promote the financial stability of the United States by improving accountability and transparency in the financial system, to end "too big to fail", to protect the American taxpayer by ending bailouts, to protect consumers from abusive financial services practices, and for other purposes. (by CRS) Hide

Making appropriations for the Departments of Transportation, and Housing and Urban Development, and related agencies for the fiscal year ending September 30, 2011, and for other purposes. (by CRS) Hide

To amend the Internal Revenue Code of 1986 to create jobs through increased investment in infrastructure, to eliminate loopholes which encourage companies to move operations offshore, and for other purposes. (by CRS) Hide

To revise the requirements for seller-financed downpayments for mortgages for single-family housing insured by the Secretary of Housing and Urban Development under title II of the National Housing Act. (by CRS) Hide

A bill to amend the Federal Credit Union Act to advance the ability of credit unions to promote small business growth and economic development opportunities, and for other purposes. (by CRS) Hide

An original bill to promote the financial stability of the United States by improving accountability and transparency in the financial system, to end "too big to fail", to protect the American taxpayer by ending bailouts, to protect consumers from abusive financial services practices, and for other purposes. (by CRS) Hide

To amend the National Housing Act to increase the mortgage amount limits applicable to FHA mortgage insurance for multifamily housing located in high-cost areas. (by CRS) Hide

To amend the Internal Revenue Code of 1986 to provide an incentive to preserve affordable housing in multifamily housing units which are sold or exchanged. (by CRS) Hide

This bill modernizes the rules of the Federal Housing Administration such that it provides risk-based pricing for low-to-moderate income families and other benefits to increase the number of loans taken from the Federal Housing Administration. (by CRS) Hide

To limit the authority of States and localities to tax certain income of employees for employment duties performed in other States and localities. (by CRS) Hide

To amend title 11 of the United States Code with respect to modification of certain mortgages on principal residences, and for other purposes. (by CRS) Hide

The Mortgage Forgiveness Debt Relief Act of 2007 amends the Internal Revenue Code to exclude from gross income discharges of indebtedness on principal residences and amends the Tax Increase Prevention and Reconciliation Act of 2005 to increase estimated tax rate for corporations with assets of not less than $1 billion. (by CRS) Hide

To require escrows for certain mortgage loans, to improve mortgage servicing, to promote sustainable homeownership opportunities, to enhance appraisal quality and standards, to better appraisal oversight, to mitigate appraiser pressure, and for other purposes. (by CRS) (by CRS) Hide

To amend the Truth in Lending Act to reform consumer mortgage practices and provide accountability for such practices, to establish licensing and registration requirements for residential mortgage originators, to provide certain minimum standards for consumer mortgage loans, and for other purposes. (by CRS) Hide

To remove an impediment to troubled debt restructuring on the part of holders of residential mortgage loans, and for other purposes. (by CRS) Hide

To amend the Internal Revenue Code of 1986 to provide incentives for energy production and conservation, to extend certain expiring provisions, to provide individual income tax relief, and for other purposes. (by CRS) Hide

To ensure uniform and accurate credit rating of municipal bonds and provide for a review of the municipal bond insurance industry. (by CRS) Hide

A bill to authorize bankruptcy courts to take certain actions with respect to mortgage loans in bankruptcy, and for other purposes. (by CRS) Hide

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. (by CRS) Hide