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  <bill>
    <number>3455</number>
    <updateDate>2019-11-15T20:53:42Z</updateDate>
    <updateDateIncludingText>2019-11-15T20:53:42Z</updateDateIncludingText>
    <originChamber>House</originChamber>
    <originChamberCode>H</originChamberCode>
    <type>HR</type>
    <introducedDate>2005-07-27</introducedDate>
    <congress>109</congress>
    <committees>
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        <systemCode>hsba00</systemCode>
        <name>Financial Services Committee</name>
        <chamber>House</chamber>
        <type>Standing</type>
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            <systemCode>hsba04</systemCode>
            <name>Housing and Insurance Subcommittee</name>
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                <name>Referred to</name>
                <date>2005-09-19T21:13:03Z</date>
              </item>
            </activities>
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        <activities>
          <item>
            <name>Referred to</name>
            <date>2005-07-27T14:04:50Z</date>
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      <item>
        <actionDate>2005-09-19</actionDate>
        <committees>
          <item>
            <systemCode>hsba04</systemCode>
            <name>Housing and Insurance Subcommittee</name>
          </item>
        </committees>
        <sourceSystem>
          <code>1</code>
          <name>House committee actions</name>
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        <text>Referred to the Subcommittee on Housing and Community Opportunity.</text>
        <type>Committee</type>
      </item>
      <item>
        <actionDate>2005-07-27</actionDate>
        <text>Referred to the House Committee on Financial Services.</text>
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        <actionCode>H11100</actionCode>
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          <name>House floor actions</name>
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            <systemCode>hsba00</systemCode>
            <name>Financial Services Committee</name>
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        </committees>
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        <actionDate>2005-07-27</actionDate>
        <text>Introduced in House</text>
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          <name>Library of Congress</name>
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      <item>
        <actionDate>2005-07-27</actionDate>
        <text>Introduced in House</text>
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        <actionCode>1000</actionCode>
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          <code>9</code>
          <name>Library of Congress</name>
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    <sponsors>
      <item>
        <bioguideId>A000210</bioguideId>
        <fullName>Rep. Andrews, Robert E. [D-NJ-1]</fullName>
        <firstName>ROBERT</firstName>
        <lastName>ANDREWS</lastName>
        <party>D</party>
        <state>NJ</state>
        <middleName>E.</middleName>
        <district>1</district>
        <isByRequest>N</isByRequest>
      </item>
    </sponsors>
    <policyArea>
      <name>Finance and Financial Sector</name>
    </policyArea>
    <subjects>
      <legislativeSubjects>
        <item>
          <name>Bank accounts</name>
        </item>
        <item>
          <name>Commerce</name>
        </item>
        <item>
          <name>Consumer protection</name>
        </item>
        <item>
          <name>Economics and Public Finance</name>
        </item>
        <item>
          <name>Federal aid to housing</name>
        </item>
        <item>
          <name>Federally-assisted loans</name>
        </item>
        <item>
          <name>Federally-guaranteed loans</name>
        </item>
        <item>
          <name>Fines (Penalties)</name>
        </item>
        <item>
          <name>Grants-in-aid</name>
        </item>
        <item>
          <name>Home ownership</name>
        </item>
        <item>
          <name>Housing and Community Development</name>
        </item>
        <item>
          <name>Housing subsidies</name>
        </item>
        <item>
          <name>Insurance premiums</name>
        </item>
        <item>
          <name>Law</name>
        </item>
        <item>
          <name>Legal services</name>
        </item>
        <item>
          <name>Liability (Law)</name>
        </item>
        <item>
          <name>Low-income housing</name>
        </item>
        <item>
          <name>Mortgage banks</name>
        </item>
        <item>
          <name>Mortgages</name>
        </item>
        <item>
          <name>Nonprofit organizations</name>
        </item>
        <item>
          <name>Property insurance</name>
        </item>
        <item>
          <name>Property tax</name>
        </item>
        <item>
          <name>Punitive damages</name>
        </item>
        <item>
          <name>Social Welfare</name>
        </item>
        <item>
          <name>Taxation</name>
        </item>
        <item>
          <name>Trusts and trustees</name>
        </item>
      </legislativeSubjects>
      <policyArea>
        <name>Finance and Financial Sector</name>
      </policyArea>
    </subjects>
    <summaries>
      <summary>
        <versionCode>00</versionCode>
        <actionDate>2005-07-27</actionDate>
        <actionDesc>Introduced in House</actionDesc>
        <updateDate>2005-10-03T20:11:53Z</updateDate>
        <text><![CDATA[ Homeowners' Escrow Payments Assurance Act - Amends the Real Estate Settlement Procedures Act of 1974 to make mortgage escrow servicers liable for treble damages in individual borrower or class actions for failure to make timely payments from an escrow account for taxes, insurance premiums, and other charges as they become due. Establishes, in addition, a civil penalty of $1,000 for each day of insurance coverage lapse that results from such a failure. <p>Earmarks the fines thus collected for assistance to: (1) low-income families for the acquisition of a principal residence; and (2) nonprofit organizations that engage in legal advocacy relating to consumer rights' protection.]]></text>
      </summary>
    </summaries>
    <title>Homeowners' Escrow Payments Assurance Act</title>
    <titles>
      <item>
        <titleType>Short Titles as Introduced</titleType>
        <title>Homeowners' Escrow Payments Assurance Act</title>
      </item>
      <item>
        <titleType>Display Title</titleType>
        <title>Homeowners' Escrow Payments Assurance Act</title>
      </item>
      <item>
        <titleType>Official Title as Introduced</titleType>
        <title>To amend the Real Estate Settlement Procedures Act of 1974 to provide for homeowners to recover treble damages from mortgage escrow servicers for failures by such servicers to make timely payments from escrow accounts for homeowners insurance, taxes, or other charges, and for other purposes.</title>
      </item>
    </titles>
    <textVersions>
      <item>
        <type>Introduced in House</type>
        <date>2005-07-27T04:00:00Z</date>
        <formats>
          <item>
            <url>https://www.govinfo.gov/content/pkg/BILLS-109hr3455ih/xml/BILLS-109hr3455ih.xml</url>
          </item>
        </formats>
      </item>
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    <latestAction>
      <actionDate>2005-09-19</actionDate>
      <text>Referred to the Subcommittee on Housing and Community Opportunity.</text>
    </latestAction>
  </bill>
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    <dc:language>EN</dc:language>
    <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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