3.0.0 3019 2023-01-11T21:19:29Z 2023-01-11T21:19:29Z House H HR 2007-07-12 110 ssbk00 Banking, Housing, and Urban Affairs Committee Senate Standing Referred to 2008-10-02T20:34:10Z hsba00 Financial Services Committee House Standing Referred to 2007-07-12T14:03:35Z 2008-10-02 ssbk00 Banking, Housing, and Urban Affairs Committee Senate Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. IntroReferral 2008-09-18 Senate Received in the Senate. IntroReferral 2008-09-17 18:26:55 Motion to reconsider laid on the table Agreed to without objection. Floor H38310 2 House floor actions 2008-09-17 18:26:53 On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote. (text: CR H8354-8356) Floor H37300 2 House floor actions 2008-09-17 18:26:53 Passed/agreed to in House: On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote.(text: CR H8354-8356) Floor 8000 9 Library of Congress 2008-09-17 18:14:14 DEBATE - The House proceeded with forty minutes of debate on H.R. 3019. Floor H8D000 2 House floor actions 2008-09-17 18:14:11 Considered under suspension of the rules. (consideration: CR H8354-8358) Floor H30000 2 House floor actions 2008-09-17 18:13:28 Mr. Scott (GA) moved to suspend the rules and pass the bill, as amended. Floor H30300 2 House floor actions 2007-07-12 Referred to the House Committee on Financial Services. IntroReferral H11100 2 House floor actions hsba00 Financial Services Committee 2007-07-12 Introduced in House IntroReferral Intro-H 9 Library of Congress 2007-07-12 Introduced in House IntroReferral 1000 9 Library of Congress B001232 Rep. Biggert, Judy [R-IL-13] JUDY BIGGERT R IL 13 N H000636 Rep. Hinojosa, Ruben [D-TX-15] RUBEN HINOJOSA D TX 15 2008-09-15 False C001047 Rep. Capito, Shelley Moore [R-WV-2] Shelley Capito R WV Moore 2 2008-09-15 False Housing and Community Development Commerce Computer software Congressional reporting requirements Consumer education Counseling Department of Housing and Urban Development Economics and Public Finance Executive reorganization Federal aid to housing Finance and Financial Sector Foreclosure Government Operations and Politics Government publications Governmental investigations Home ownership Housing finance Law Licenses Loan defaults Mortgage interest rates Mortgages Public service advertising Rental housing Science, Technology, Communications Settlement costs Social Welfare Housing and Community Development 00 2007-07-12 Introduced in House 2008-11-25T20:29:15Z Expand and Preserve Home Ownership Through Counseling Act - Amends the Department of Housing and Urban Development Act to establish, in the Office of the Secretary of Housing and Urban Development (HUD), the Office of Housing Counseling, which shall conduct activities relating to homeownership and rental housing counseling.

Amends the Housing and Urban Development Act of 1968 (HUDA) to direct the Secretary to establish, coordinate, and monitor HUD administration of homeownership and rental housing counseling procedures provided in connection with any HUD program, including all related requirements, standards, and performance measures.

Requires the Secretary to provide for the certification of various computer software programs for consumers to use in evaluating different residential mortgage loan proposals.

Directs the Director of Housing Counseling to develop, implement, and conduct national public service multimedia campaigns designed to make persons facing mortgage foreclosure, persons considering a subprime mortgage loan to purchase a home, elderly persons, persons who face language barriers, low-income persons, and other potentially vulnerable consumers aware that: (1) it is advisable, before seeking or maintaining a residential mortgage loan, to obtain homeownership counseling from unbiased and reliable sources; and (2) such homeownership counseling is available.

Requires the Secretary to provide: (1) advice and technical assistance to states, local governments, and nonprofit organizations regarding the establishment and operation of related educational programs; as well as (2) financial assistance.

Revises the requirement that organizations receiving HUD assistance for counseling activities to provide such counseling only through counselors certified by the Secretary.

Directs the Secretary to study and report to Congress on the root causes of the default and foreclosure of home loans.

Amends the Real Estate Settlement Procedures Act of 1974 to revise requirements for HUD booklets designed to help consumers applying for federally related mortgage loans to understand the nature and costs of real estate settlement services.

]]> 36 2008-09-17 Passed House amended 2008-11-25T20:33:24Z Expand and Preserve Home Ownership Through Counseling Act - (Sec. 2) Amends the Department of Housing and Urban Development Act to establish, in the Office of the Secretary of Housing and Urban Development (HUD), the Office of Housing Counseling.

Establishes the position of Director of Housing Counseling, appointed by the Secretary, to head such Office. Vests in the Director ultimate responsibility within HUD, except for the Secretary, for all activities and matters relating to homeownership and rental housing counseling.

(Sec. 3) Amends the Housing and Urban Development Act of 1968 (HUDA) with regard to assistance for housing for low- and moderate-income families. Directs the Secretary to establish, coordinate, and monitor HUD administration of homeownership and rental housing counseling procedures provided in connection with any HUD program, including all related requirements, standards, and performance measures.

Requires the Secretary to provide for the certification of various computer software programs for consumers to use in evaluating different residential mortgage loan proposals.

States that such certified programs shall be used to supplement, not replace, housing counseling. Requires the Secretary to ensure that such programs are initially used only in connection with the assistance of such certified housing counselors.

Directs the Secretary, after a period of initial availability, to take reasonable steps to make mortgage software systems certified pursuant to this Act widely available through the Internet and at public locations, including public libraries, senior-citizen centers, public housing sites, offices of public housing agencies that administer rental housing assistance vouchers, and housing counseling centers.

Requires the Director to develop, implement, and conduct national public service multimedia campaigns designed to make persons facing mortgage foreclosure, persons considering a subprime mortgage loan to purchase a home, elderly persons, persons who face language barriers, low-income persons, and other potentially vulnerable consumers aware that: (1) it is advisable, before seeking or maintaining a residential mortgage loan, to obtain homeownership counseling from unbiased and reliable sources; and (2) such homeownership counseling is available.

Requires each multimedia campaign segment to publicize the toll-free telephone number and the HUD website through which individuals can locate a HUD-certified housing counseling agency in their state which can provide advice on buying a home, renting, defaults, foreclosures, credit issues, and reverse mortgages.

Authorizes appropriations for FY2008-FY2010.

Requires the Secretary to provide advice and technical assistance to states, local governments, and nonprofit organizations regarding establishment and operation of educational programs to inform consumers, particularly those most vulnerable (such as elderly persons, persons facing language barriers, and low-income persons), regarding home mortgages, mortgage refinancing, home equity loans, and home repair loans.

(Sec. 4) Amends HUDA to require the Secretary to: (1) make financial assistance available to states, local governments, and nonprofit organizations providing homeownership or rental counseling; and (2) establish standards and guidelines for eligibility of organizations (including governmental and nonprofit organizations) to receive such assistance.

Authorizes appropriations for FY2008-FY2011.

(Sec. 5) Amends HUDA to revise the requirement that organizations receiving HUD assistance for counseling activities to provide such counseling only through counselors certified by the Secretary.

Requires any homeownership counseling or rental housing counseling provided in connection with any HUD-administered program to be provided only by organizations or counselors certified competent to provide it.

Requires the Secretary to take appropriate action to ensure that individuals and organizations providing homeownership or rental housing counseling are aware of HUDA certification requirements and standards and HUDA training and certification programs.

(Sec. 6) Directs the Secretary to study and report to Congress on: (1) the root causes of the default and foreclosure of home loans; and (2) the role of escrow accounts in helping prime and nonprime borrowers to avoid defaults and foreclosures.

(Sec. 8) Amends the Real Estate Settlement Procedures Act of 1974 to revise requirements for HUD booklets designed to help consumers applying for federally related mortgage loans to understand the nature and costs of real estate settlement services.

]]> Expand and Preserve Home Ownership Through Counseling Act Official Title as Introduced 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. Introduced in House IH Display Title Expand and Preserve Home Ownership Through Counseling Act Short Titles as Introduced Expand and Preserve Home Ownership Through Counseling Act Short Titles as Passed House Expand and Preserve Home Ownership Through Counseling Act H House Referred in Senate 2008-10-02T04:00:00Z Engrossed in House 2008-09-17T04:00:00Z https://www.govinfo.gov/content/pkg/BILLS-110hr3019eh/xml/BILLS-110hr3019eh.xml Introduced in House 2007-07-12T04:00:00Z https://www.govinfo.gov/content/pkg/BILLS-110hr3019ih/xml/BILLS-110hr3019ih.xml 2008-10-02 Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. text/xml EN 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. Congressional Research Service, Library of Congress 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.