<?xml version="1.0" encoding="utf-8" standalone="no"?>
<billStatus>
  <version>3.0.0</version>
  <bill>
    <number>833</number>
    <updateDate>2023-01-15T22:03:58Z</updateDate>
    <updateDateIncludingText>2023-01-15T22:03:58Z</updateDateIncludingText>
    <originChamber>House</originChamber>
    <originChamberCode>H</originChamberCode>
    <type>HR</type>
    <introducedDate>2003-02-13</introducedDate>
    <congress>108</congress>
    <committees>
      <item>
        <systemCode>hsba00</systemCode>
        <name>Financial Services Committee</name>
        <chamber>House</chamber>
        <type>Standing</type>
        <subcommittees>
          <item>
            <systemCode>hsba04</systemCode>
            <name>Housing and Insurance Subcommittee</name>
            <activities>
              <item>
                <name>Referred to</name>
                <date>2003-03-10T17:32:14Z</date>
              </item>
            </activities>
          </item>
          <item>
            <systemCode>hsba15</systemCode>
            <name>Consumer Protection and Financial Institutions Subcommittee</name>
            <activities>
              <item>
                <name>Referred to</name>
                <date>2003-03-10T17:32:03Z</date>
              </item>
            </activities>
          </item>
        </subcommittees>
        <activities>
          <item>
            <name>Referred to</name>
            <date>2003-02-13T15:04:35Z</date>
          </item>
        </activities>
      </item>
    </committees>
    <actions>
      <item>
        <actionDate>2003-03-10</actionDate>
        <committees>
          <item>
            <systemCode>hsba04</systemCode>
            <name>Housing and Insurance Subcommittee</name>
          </item>
        </committees>
        <sourceSystem>
          <code>1</code>
          <name>House committee actions</name>
        </sourceSystem>
        <text>Referred to the Subcommittee on Housing and Community Opportunity.</text>
        <type>Committee</type>
      </item>
      <item>
        <actionDate>2003-03-10</actionDate>
        <committees>
          <item>
            <systemCode>hsba15</systemCode>
            <name>Consumer Protection and Financial Institutions Subcommittee</name>
          </item>
        </committees>
        <sourceSystem>
          <code>1</code>
          <name>House committee actions</name>
        </sourceSystem>
        <text>Referred to the Subcommittee on Financial Institutions and Consumer Credit.</text>
        <type>Committee</type>
      </item>
      <item>
        <actionDate>2003-02-13</actionDate>
        <text>Referred to the House Committee on Financial Services.</text>
        <type>IntroReferral</type>
        <actionCode>H11100</actionCode>
        <sourceSystem>
          <code>2</code>
          <name>House floor actions</name>
        </sourceSystem>
        <committees>
          <item>
            <systemCode>hsba00</systemCode>
            <name>Financial Services Committee</name>
          </item>
        </committees>
      </item>
      <item>
        <actionDate>2003-02-13</actionDate>
        <text>Introduced in House</text>
        <type>IntroReferral</type>
        <actionCode>Intro-H</actionCode>
        <sourceSystem>
          <code>9</code>
          <name>Library of Congress</name>
        </sourceSystem>
      </item>
      <item>
        <actionDate>2003-02-13</actionDate>
        <text>Introduced in House</text>
        <type>IntroReferral</type>
        <actionCode>1000</actionCode>
        <sourceSystem>
          <code>9</code>
          <name>Library of Congress</name>
        </sourceSystem>
      </item>
    </actions>
    <sponsors>
      <item>
        <bioguideId>N000081</bioguideId>
        <fullName>Rep. Ney, Robert W. [R-OH-18]</fullName>
        <firstName>BOB</firstName>
        <lastName>NEY</lastName>
        <party>R</party>
        <state>OH</state>
        <district>18</district>
        <isByRequest>N</isByRequest>
      </item>
    </sponsors>
    <cosponsors>
      <item>
        <bioguideId>L000558</bioguideId>
        <fullName>Rep. Lucas, Ken [D-KY-4]</fullName>
        <firstName>KEN</firstName>
        <lastName>LUCAS</lastName>
        <party>D</party>
        <state>KY</state>
        <district>4</district>
        <sponsorshipDate>2003-02-13</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>G000210</bioguideId>
        <fullName>Rep. Gillmor, Paul E. [R-OH-5]</fullName>
        <firstName>PAUL</firstName>
        <lastName>GILLMOR</lastName>
        <party>R</party>
        <state>OH</state>
        <middleName>E.</middleName>
        <district>5</district>
        <sponsorshipDate>2003-02-13</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>M001139</bioguideId>
        <fullName>Rep. Miller, Gary G. [R-CA-42]</fullName>
        <firstName>GARY</firstName>
        <lastName>MILLER</lastName>
        <party>R</party>
        <state>CA</state>
        <district>42</district>
        <sponsorshipDate>2003-02-13</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>B001235</bioguideId>
        <fullName>Rep. Brown, Henry E., Jr. [R-SC-1]</fullName>
        <firstName>HENRY</firstName>
        <lastName>BROWN</lastName>
        <party>R</party>
        <state>SC</state>
        <middleName>E.</middleName>
        <district>1</district>
        <sponsorshipDate>2003-04-08</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>W000273</bioguideId>
        <fullName>Rep. Weller, Jerry [R-IL-11]</fullName>
        <firstName>GERALD</firstName>
        <lastName>WELLER</lastName>
        <party>R</party>
        <state>IL</state>
        <middleName>C.</middleName>
        <district>11</district>
        <sponsorshipDate>2003-04-08</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>C001046</bioguideId>
        <fullName>Rep. Cantor, Eric [R-VA-7]</fullName>
        <firstName>ERIC</firstName>
        <lastName>CANTOR</lastName>
        <party>R</party>
        <state>VA</state>
        <district>7</district>
        <sponsorshipDate>2003-05-08</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>T000193</bioguideId>
        <fullName>Rep. Thompson, Bennie G. [D-MS-2]</fullName>
        <firstName>BENNIE</firstName>
        <lastName>THOMPSON</lastName>
        <party>D</party>
        <state>MS</state>
        <district>2</district>
        <sponsorshipDate>2003-05-19</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>M001134</bioguideId>
        <fullName>Rep. Myrick, Sue Wilkins [R-NC-9]</fullName>
        <firstName>SUE</firstName>
        <lastName>MYRICK</lastName>
        <party>R</party>
        <state>NC</state>
        <middleName>WILKINS</middleName>
        <district>9</district>
        <sponsorshipDate>2003-06-18</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>R000571</bioguideId>
        <fullName>Rep. Rehberg, Dennis R. [R-MT-At Large]</fullName>
        <firstName>DENNIS</firstName>
        <lastName>REHBERG</lastName>
        <party>R</party>
        <state>MT</state>
        <middleName>R.</middleName>
        <district>0</district>
        <sponsorshipDate>2003-06-19</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>B001239</bioguideId>
        <fullName>Rep. Barrett, J. Gresham [R-SC-3]</fullName>
        <firstName>J.</firstName>
        <lastName>Barrett</lastName>
        <party>R</party>
        <state>SC</state>
        <middleName>Gresham</middleName>
        <district>3</district>
        <sponsorshipDate>2003-06-19</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>H001030</bioguideId>
        <fullName>Rep. Hill, Baron P. [D-IN-9]</fullName>
        <firstName>BARON</firstName>
        <lastName>HILL</lastName>
        <party>D</party>
        <state>IN</state>
        <middleName>P.</middleName>
        <district>9</district>
        <sponsorshipDate>2003-07-09</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>F000440</bioguideId>
        <fullName>Rep. Fossella, Vito [R-NY-13]</fullName>
        <firstName>VITO</firstName>
        <lastName>FOSSELLA</lastName>
        <party>R</party>
        <state>NY</state>
        <district>13</district>
        <sponsorshipDate>2003-07-09</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>P000258</bioguideId>
        <fullName>Rep. Peterson, Collin C. [D-MN-7]</fullName>
        <firstName>COLLIN</firstName>
        <lastName>PETERSON</lastName>
        <party>D</party>
        <state>MN</state>
        <middleName>C.</middleName>
        <district>7</district>
        <sponsorshipDate>2003-07-25</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>S000851</bioguideId>
        <fullName>Rep. Stenholm, Charles W. [D-TX-17]</fullName>
        <firstName>CHARLES</firstName>
        <lastName>STENHOLM</lastName>
        <party>D</party>
        <state>TX</state>
        <middleName>W.</middleName>
        <district>17</district>
        <sponsorshipDate>2003-07-25</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>R000395</bioguideId>
        <fullName>Rep. Rogers, Harold [R-KY-5]</fullName>
        <firstName>HAROLD</firstName>
        <lastName>ROGERS</lastName>
        <party>R</party>
        <state>KY</state>
        <district>5</district>
        <sponsorshipDate>2003-09-05</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>P000585</bioguideId>
        <fullName>Rep. Platts, Todd Russell [R-PA-19]</fullName>
        <firstName>TODD</firstName>
        <lastName>PLATTS</lastName>
        <party>R</party>
        <state>PA</state>
        <middleName>RUSSELL</middleName>
        <district>19</district>
        <sponsorshipDate>2003-09-17</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>B000716</bioguideId>
        <fullName>Rep. Boyd, Allen [D-FL-2]</fullName>
        <firstName>ALLEN</firstName>
        <lastName>BOYD</lastName>
        <party>D</party>
        <state>FL</state>
        <middleName>JR.</middleName>
        <district>2</district>
        <sponsorshipDate>2003-09-17</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>H001033</bioguideId>
        <fullName>Rep. Hart, Melissa A. [R-PA-4]</fullName>
        <firstName>MELISSA</firstName>
        <lastName>HART</lastName>
        <party>R</party>
        <state>PA</state>
        <middleName>A.</middleName>
        <district>4</district>
        <sponsorshipDate>2003-09-23</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>B001240</bioguideId>
        <fullName>Rep. Beauprez, Bob [R-CO-7]</fullName>
        <firstName>Bob</firstName>
        <lastName>Beauprez</lastName>
        <party>R</party>
        <state>CO</state>
        <district>7</district>
        <sponsorshipDate>2003-09-23</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>C000830</bioguideId>
        <fullName>Rep. Cox, Christopher [R-CA-48]</fullName>
        <firstName>CHRISTOPHER</firstName>
        <lastName>COX</lastName>
        <party>R</party>
        <state>CA</state>
        <district>48</district>
        <sponsorshipDate>2003-10-08</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>L000552</bioguideId>
        <fullName>Rep. LaHood, Ray [R-IL-18]</fullName>
        <firstName>RAY</firstName>
        <lastName>LAHOOD</lastName>
        <party>R</party>
        <state>IL</state>
        <district>18</district>
        <sponsorshipDate>2003-10-08</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>T000326</bioguideId>
        <fullName>Rep. Towns, Edolphus [D-NY-10]</fullName>
        <firstName>EDOLPHUS</firstName>
        <lastName>TOWNS</lastName>
        <party>D</party>
        <state>NY</state>
        <district>10</district>
        <sponsorshipDate>2003-10-28</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>M001138</bioguideId>
        <fullName>Rep. Manzullo, Donald A. [R-IL-16]</fullName>
        <firstName>DONALD</firstName>
        <lastName>MANZULLO</lastName>
        <party>R</party>
        <state>IL</state>
        <district>16</district>
        <sponsorshipDate>2003-11-04</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>T000462</bioguideId>
        <fullName>Rep. Tiberi, Patrick J. [R-OH-12]</fullName>
        <firstName>PATRICK</firstName>
        <lastName>TIBERI</lastName>
        <party>R</party>
        <state>OH</state>
        <middleName>J.</middleName>
        <district>12</district>
        <sponsorshipDate>2004-05-13</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>B001247</bioguideId>
        <fullName>Rep. Brown-Waite, Ginny [R-FL-5]</fullName>
        <firstName>Ginny</firstName>
        <lastName>Brown-Waite</lastName>
        <party>R</party>
        <state>FL</state>
        <district>5</district>
        <sponsorshipDate>2004-05-13</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
    </cosponsors>
    <policyArea>
      <name>Finance and Financial Sector</name>
    </policyArea>
    <subjects>
      <legislativeSubjects>
        <item>
          <name>Administrative procedure</name>
        </item>
        <item>
          <name>Administrative remedies</name>
        </item>
        <item>
          <name>Affiliated corporations</name>
        </item>
        <item>
          <name>Auctions</name>
        </item>
        <item>
          <name>Civil Rights and Liberties, Minority Issues</name>
        </item>
        <item>
          <name>Civil actions and liability</name>
        </item>
        <item>
          <name>Class actions (Civil procedure)</name>
        </item>
        <item>
          <name>Commerce</name>
        </item>
        <item>
          <name>Commercial arbitration</name>
        </item>
        <item>
          <name>Computer software</name>
        </item>
        <item>
          <name>Confidential communications</name>
        </item>
        <item>
          <name>Consumer complaints</name>
        </item>
        <item>
          <name>Consumer credit</name>
        </item>
        <item>
          <name>Consumer education</name>
        </item>
        <item>
          <name>Continuing education</name>
        </item>
        <item>
          <name>Counseling</name>
        </item>
        <item>
          <name>Crime and Law Enforcement</name>
        </item>
        <item>
          <name>Criminal justice information</name>
        </item>
        <item>
          <name>Criminal liability</name>
        </item>
        <item>
          <name>Damages</name>
        </item>
        <item>
          <name>Data banks</name>
        </item>
        <item>
          <name>Debtor and creditor</name>
        </item>
        <item>
          <name>Department of Housing and Urban Development</name>
        </item>
        <item>
          <name>Department of the Treasury</name>
        </item>
        <item>
          <name>District courts</name>
        </item>
        <item>
          <name>Economics and Public Finance</name>
        </item>
        <item>
          <name>Electronic government information</name>
        </item>
        <item>
          <name>Employment tests</name>
        </item>
        <item>
          <name>Evidence (Law)</name>
        </item>
        <item>
          <name>Executive reorganization</name>
        </item>
        <item>
          <name>Express service</name>
        </item>
        <item>
          <name>Facsimile transmission</name>
        </item>
        <item>
          <name>Federal Reserve System</name>
        </item>
        <item>
          <name>Federal aid to housing</name>
        </item>
        <item>
          <name>Federal preemption</name>
        </item>
        <item>
          <name>Federally-assisted loans</name>
        </item>
        <item>
          <name>Federally-guaranteed loans</name>
        </item>
        <item>
          <name>Fees</name>
        </item>
        <item>
          <name>Finance charges</name>
        </item>
        <item>
          <name>Financial services</name>
        </item>
        <item>
          <name>Financial statements</name>
        </item>
        <item>
          <name>Fines (Penalties)</name>
        </item>
        <item>
          <name>Foreclosure</name>
        </item>
        <item>
          <name>Government Operations and Politics</name>
        </item>
        <item>
          <name>Government contractors</name>
        </item>
        <item>
          <name>Government lending</name>
        </item>
        <item>
          <name>Government liability</name>
        </item>
        <item>
          <name>Government publications</name>
        </item>
        <item>
          <name>Government publicity</name>
        </item>
        <item>
          <name>Higher education</name>
        </item>
        <item>
          <name>Home ownership</name>
        </item>
        <item>
          <name>Home repair and improvement</name>
        </item>
        <item>
          <name>Housing and Community Development</name>
        </item>
        <item>
          <name>Housing finance</name>
        </item>
        <item>
          <name>Identification of criminals</name>
        </item>
        <item>
          <name>Income</name>
        </item>
        <item>
          <name>Insurance premiums</name>
        </item>
        <item>
          <name>Internet</name>
        </item>
        <item>
          <name>Judicial review</name>
        </item>
        <item>
          <name>Jurisdiction</name>
        </item>
        <item>
          <name>Labor and Employment</name>
        </item>
        <item>
          <name>Law</name>
        </item>
        <item>
          <name>Liability (Law)</name>
        </item>
        <item>
          <name>Licenses</name>
        </item>
        <item>
          <name>Liens</name>
        </item>
        <item>
          <name>Loan defaults</name>
        </item>
        <item>
          <name>Loans</name>
        </item>
        <item>
          <name>Mortgage banks</name>
        </item>
        <item>
          <name>Mortgage guaranty insurance</name>
        </item>
        <item>
          <name>Mortgage interest rates</name>
        </item>
        <item>
          <name>Mortgages</name>
        </item>
        <item>
          <name>Performance measurement</name>
        </item>
        <item>
          <name>Profit</name>
        </item>
        <item>
          <name>Public service advertising</name>
        </item>
        <item>
          <name>Real estate business</name>
        </item>
        <item>
          <name>Rental housing</name>
        </item>
        <item>
          <name>Right of privacy</name>
        </item>
        <item>
          <name>Science, Technology, Communications</name>
        </item>
        <item>
          <name>Secondary mortgage market</name>
        </item>
        <item>
          <name>Settlement costs</name>
        </item>
        <item>
          <name>Social Welfare</name>
        </item>
        <item>
          <name>State employees</name>
        </item>
        <item>
          <name>State laws</name>
        </item>
        <item>
          <name>State officials</name>
        </item>
        <item>
          <name>Telephone</name>
        </item>
        <item>
          <name>Transportation and Public Works</name>
        </item>
        <item>
          <name>User charges</name>
        </item>
        <item>
          <name>Variable rate mortgage loans</name>
        </item>
        <item>
          <name>Web sites</name>
        </item>
      </legislativeSubjects>
      <policyArea>
        <name>Finance and Financial Sector</name>
      </policyArea>
    </subjects>
    <summaries>
      <summary>
        <versionCode>00</versionCode>
        <actionDate>2003-02-13</actionDate>
        <actionDesc>Introduced in House</actionDesc>
        <updateDate>2006-11-28T17:35:40Z</updateDate>
        <text><![CDATA[Responsible Lending Act - Amends the Truth in Lending Act to define: (1) high cost mortgage; and (2) points and fees. Revises specified  liability and other related provisions.<p>Provides for continuation of late fee and prepayment provision identification under the Alternative Mortgage Transaction parity Act of 1982.<p>Amends the Housing and Urban Development Act of 1968 to establish in the Department of Housing and Urban Development the Consumer Mortgage Protection Board, which shall: (1) provide homeownership and rental counseling and related toll-free telephone and web site services; (2) provide grants for housing counseling services; and (3) prepare and update a mortgage information booklet.<p>Directs the Secretary of Housing and Urban Development to establish Federal mortgage broker requirements. Sets forth uniform State mortgage broker law guidelines, and states that Federal requirements shall apply to those States that have not enacted uniform laws.]]></text>
      </summary>
    </summaries>
    <title>Responsible Lending Act</title>
    <titles>
      <item>
        <titleType>Display Title</titleType>
        <title>Responsible Lending Act</title>
      </item>
      <item>
        <titleType>Official Title as Introduced</titleType>
        <title>To combat unfair and deceptive practices in the high-cost mortgage market, establish a consumer mortgage protection board, and establish licensing and minimum standards for mortgage brokers, and for other purposes.</title>
        <billTextVersionName>Introduced in House</billTextVersionName>
        <billTextVersionCode>IH</billTextVersionCode>
      </item>
      <item>
        <titleType>Short Titles as Introduced</titleType>
        <title>Responsible Lending Act</title>
      </item>
    </titles>
    <textVersions>
      <item>
        <type>Introduced in House</type>
        <date>2003-02-13T05:00:00Z</date>
        <formats/>
      </item>
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    <latestAction>
      <actionDate>2003-03-10</actionDate>
      <text>Referred to the Subcommittee on Housing and Community Opportunity.</text>
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    <dc:rights>Pursuant to Title 17 Section 105 of the United States Code, this file is not subject to copyright protection and is in the public domain.</dc:rights>
    <dc:contributor>Congressional Research Service, Library of Congress</dc:contributor>
    <dc:description>This file contains bill summaries and statuses for federal legislation. A bill summary describes the most significant provisions of a piece of legislation and details the effects the legislative text may have on current law and federal programs. Bill summaries are authored by the Congressional Research Service (CRS) of the Library of Congress. As stated in Public Law 91-510 (2 USC 166 (d)(6)), one of the duties of CRS is "to prepare summaries and digests of bills and resolutions of a public general nature introduced in the Senate or House of Representatives". For more information, refer to the User Guide that accompanies this file.</dc:description>
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