<?xml version="1.0" encoding="utf-8" standalone="no"?>
<billStatus>
  <version>3.0.0</version>
  <bill>
    <number>3849</number>
    <updateDate>2019-11-15T20:54:36Z</updateDate>
    <updateDateIncludingText>2019-11-15T20:54:36Z</updateDateIncludingText>
    <originChamber>House</originChamber>
    <originChamberCode>H</originChamberCode>
    <type>HR</type>
    <introducedDate>2012-01-31</introducedDate>
    <congress>112</congress>
    <constitutionalAuthorityStatementText><![CDATA[<pre>From the Congressional Record Online through the Government Publishing Office [<a href='http://www.gpo.gov'>www.gpo.gov</a>]By Mr. FINCHER:H.R. 3849.Congress has the power to enact this legislation pursuantto the following:Article I, Section 8.[Page H219]</pre>]]></constitutionalAuthorityStatementText>
    <committees>
      <item>
        <systemCode>hsba00</systemCode>
        <name>Financial Services Committee</name>
        <chamber>House</chamber>
        <type>Standing</type>
        <subcommittees>
          <item>
            <systemCode>hsba15</systemCode>
            <name>Consumer Protection and Financial Institutions Subcommittee</name>
            <activities>
              <item>
                <name>Referred to</name>
                <date>2012-02-09T16:43:32Z</date>
              </item>
            </activities>
          </item>
        </subcommittees>
        <activities>
          <item>
            <name>Referred to</name>
            <date>2012-01-31T17:02:00Z</date>
          </item>
        </activities>
      </item>
    </committees>
    <actions>
      <item>
        <actionDate>2012-02-09</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>2012-01-31</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>2012-01-31</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>2012-01-31</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>F000458</bioguideId>
        <fullName>Rep. Fincher, Stephen Lee [R-TN-8]</fullName>
        <firstName>Stephen</firstName>
        <lastName>Fincher</lastName>
        <party>R</party>
        <state>TN</state>
        <middleName>Lee</middleName>
        <district>8</district>
        <isByRequest>N</isByRequest>
      </item>
    </sponsors>
    <cosponsors>
      <item>
        <bioguideId>D000607</bioguideId>
        <fullName>Rep. Donnelly, Joe [D-IN-2]</fullName>
        <firstName>Joe</firstName>
        <lastName>Donnelly</lastName>
        <party>D</party>
        <state>IN</state>
        <district>2</district>
        <sponsorshipDate>2012-01-31</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>2012-01-31</sponsorshipDate>
        <isOriginalCosponsor>True</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>F000451</bioguideId>
        <fullName>Rep. Fitzpatrick, Michael G. [R-PA-8]</fullName>
        <firstName>Michael</firstName>
        <lastName>Fitzpatrick</lastName>
        <party>R</party>
        <state>PA</state>
        <middleName>G.</middleName>
        <district>8</district>
        <sponsorshipDate>2012-02-28</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>D000533</bioguideId>
        <fullName>Rep. Duncan, John J., Jr. [R-TN-2]</fullName>
        <firstName>JOHN</firstName>
        <lastName>DUNCAN</lastName>
        <party>R</party>
        <state>TN</state>
        <middleName>J.</middleName>
        <district>2</district>
        <sponsorshipDate>2012-02-28</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>C001053</bioguideId>
        <fullName>Rep. Cole, Tom [R-OK-4]</fullName>
        <firstName>Tom</firstName>
        <lastName>Cole</lastName>
        <party>R</party>
        <state>OK</state>
        <district>4</district>
        <sponsorshipDate>2012-02-29</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>S001155</bioguideId>
        <fullName>Rep. Sullivan, John [R-OK-1]</fullName>
        <firstName>John</firstName>
        <lastName>Sullivan</lastName>
        <party>R</party>
        <state>OK</state>
        <district>1</district>
        <sponsorshipDate>2012-02-29</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>J000255</bioguideId>
        <fullName>Rep. Jones, Walter B., Jr. [R-NC-3]</fullName>
        <firstName>WALTER</firstName>
        <lastName>JONES</lastName>
        <party>R</party>
        <state>NC</state>
        <middleName>B.</middleName>
        <district>3</district>
        <sponsorshipDate>2012-02-29</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>D000613</bioguideId>
        <fullName>Rep. Dold, Robert J. [R-IL-10]</fullName>
        <firstName>Robert</firstName>
        <lastName>Dold</lastName>
        <party>R</party>
        <state>IL</state>
        <middleName>J.</middleName>
        <district>10</district>
        <sponsorshipDate>2012-03-05</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>L000575</bioguideId>
        <fullName>Rep. Lankford, James [R-OK-5]</fullName>
        <firstName>James</firstName>
        <lastName>Lankford</lastName>
        <party>R</party>
        <state>OK</state>
        <district>5</district>
        <sponsorshipDate>2012-03-06</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>B001254</bioguideId>
        <fullName>Rep. Boren, Dan [D-OK-2]</fullName>
        <firstName>Dan</firstName>
        <lastName>Boren</lastName>
        <party>D</party>
        <state>OK</state>
        <district>2</district>
        <sponsorshipDate>2012-03-19</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>C001058</bioguideId>
        <fullName>Rep. Chandler, Ben [D-KY-6]</fullName>
        <firstName>Ben</firstName>
        <lastName>Chandler</lastName>
        <party>D</party>
        <state>KY</state>
        <district>6</district>
        <sponsorshipDate>2012-03-19</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>R000586</bioguideId>
        <fullName>Rep. Renacci, James B. [R-OH-16]</fullName>
        <firstName>James</firstName>
        <lastName>Renacci</lastName>
        <party>R</party>
        <state>OH</state>
        <middleName>B.</middleName>
        <district>16</district>
        <sponsorshipDate>2012-03-21</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>2012-03-21</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>H001045</bioguideId>
        <fullName>Rep. Harper, Gregg [R-MS-3]</fullName>
        <firstName>Gregg</firstName>
        <lastName>Harper</lastName>
        <party>R</party>
        <state>MS</state>
        <district>3</district>
        <sponsorshipDate>2012-03-21</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>C000059</bioguideId>
        <fullName>Rep. Calvert, Ken [R-CA-44]</fullName>
        <firstName>KEN</firstName>
        <lastName>CALVERT</lastName>
        <party>R</party>
        <state>CA</state>
        <district>44</district>
        <sponsorshipDate>2012-03-22</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>B001243</bioguideId>
        <fullName>Rep. Blackburn, Marsha [R-TN-7]</fullName>
        <firstName>Marsha</firstName>
        <lastName>Blackburn</lastName>
        <party>R</party>
        <state>TN</state>
        <district>7</district>
        <sponsorshipDate>2012-03-26</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>P000601</bioguideId>
        <fullName>Rep. Palazzo, Steven M. [R-MS-4]</fullName>
        <firstName>Steven</firstName>
        <lastName>Palazzo</lastName>
        <party>R</party>
        <state>MS</state>
        <middleName>M.</middleName>
        <district>4</district>
        <sponsorshipDate>2012-03-26</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>2012-03-26</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>R000011</bioguideId>
        <fullName>Rep. Rahall, Nick J., II [D-WV-3]</fullName>
        <firstName>NICK</firstName>
        <lastName>RAHALL</lastName>
        <party>D</party>
        <state>WV</state>
        <middleName>J.</middleName>
        <district>3</district>
        <sponsorshipDate>2012-03-26</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>N000186</bioguideId>
        <fullName>Rep. Nunnelee, Alan [R-MS-1]</fullName>
        <firstName>Alan</firstName>
        <lastName>Nunnelee</lastName>
        <party>R</party>
        <state>MS</state>
        <district>1</district>
        <sponsorshipDate>2012-03-26</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>B000652</bioguideId>
        <fullName>Rep. Boswell, Leonard L. [D-IA-3]</fullName>
        <firstName>LEONARD</firstName>
        <lastName>BOSWELL</lastName>
        <party>D</party>
        <state>IA</state>
        <middleName>L.</middleName>
        <district>3</district>
        <sponsorshipDate>2012-03-26</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>S001183</bioguideId>
        <fullName>Rep. Schweikert, David [R-AZ-5]</fullName>
        <firstName>David</firstName>
        <lastName>Schweikert</lastName>
        <party>R</party>
        <state>AZ</state>
        <district>5</district>
        <sponsorshipDate>2012-03-29</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>R000575</bioguideId>
        <fullName>Rep. Rogers, Mike D. [R-AL-3]</fullName>
        <firstName>Mike</firstName>
        <lastName>Rogers</lastName>
        <party>R</party>
        <state>AL</state>
        <district>3</district>
        <sponsorshipDate>2012-04-16</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>R000582</bioguideId>
        <fullName>Rep. Roe, David P. [R-TN-1]</fullName>
        <firstName>David</firstName>
        <lastName>Roe</lastName>
        <party>R</party>
        <state>TN</state>
        <middleName>P.</middleName>
        <district>1</district>
        <sponsorshipDate>2012-04-16</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>L000491</bioguideId>
        <fullName>Rep. Lucas, Frank D. [R-OK-3]</fullName>
        <firstName>FRANK</firstName>
        <lastName>LUCAS</lastName>
        <party>R</party>
        <state>OK</state>
        <middleName>D.</middleName>
        <district>3</district>
        <sponsorshipDate>2012-04-16</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>B001273</bioguideId>
        <fullName>Rep. Black, Diane [R-TN-6]</fullName>
        <firstName>Diane</firstName>
        <lastName>Black</lastName>
        <party>R</party>
        <state>TN</state>
        <district>6</district>
        <sponsorshipDate>2012-04-19</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>D000604</bioguideId>
        <fullName>Rep. Dent, Charles W. [R-PA-15]</fullName>
        <firstName>Charles</firstName>
        <lastName>Dent</lastName>
        <party>R</party>
        <state>PA</state>
        <middleName>W.</middleName>
        <district>15</district>
        <sponsorshipDate>2012-04-19</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>L000565</bioguideId>
        <fullName>Rep. Loebsack, David [D-IA-2]</fullName>
        <firstName>David</firstName>
        <lastName>Loebsack</lastName>
        <party>D</party>
        <state>IA</state>
        <district>2</district>
        <sponsorshipDate>2012-04-19</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>M000485</bioguideId>
        <fullName>Rep. McIntyre, Mike [D-NC-7]</fullName>
        <firstName>MIKE</firstName>
        <lastName>MCINTYRE</lastName>
        <party>D</party>
        <state>NC</state>
        <district>7</district>
        <sponsorshipDate>2012-04-27</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>K000363</bioguideId>
        <fullName>Rep. Kline, John [R-MN-2]</fullName>
        <firstName>John</firstName>
        <lastName>Kline</lastName>
        <party>R</party>
        <state>MN</state>
        <district>2</district>
        <sponsorshipDate>2012-05-08</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>A000055</bioguideId>
        <fullName>Rep. Aderholt, Robert B. [R-AL-4]</fullName>
        <firstName>ROBERT</firstName>
        <lastName>ADERHOLT</lastName>
        <party>R</party>
        <state>AL</state>
        <middleName>B.</middleName>
        <district>4</district>
        <sponsorshipDate>2012-05-16</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>S001185</bioguideId>
        <fullName>Rep. Sewell, Terri A. [D-AL-7]</fullName>
        <firstName>Terri</firstName>
        <lastName>Sewell</lastName>
        <party>D</party>
        <state>AL</state>
        <middleName>A.</middleName>
        <district>7</district>
        <sponsorshipDate>2012-05-16</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>Q000024</bioguideId>
        <fullName>Rep. Quayle, Benjamin [R-AZ-3]</fullName>
        <firstName>Benjamin</firstName>
        <lastName>Quayle</lastName>
        <party>R</party>
        <state>AZ</state>
        <district>3</district>
        <sponsorshipDate>2012-05-31</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>L000111</bioguideId>
        <fullName>Rep. Latham, Tom [R-IA-4]</fullName>
        <firstName>TOM</firstName>
        <lastName>LATHAM</lastName>
        <party>R</party>
        <state>IA</state>
        <district>4</district>
        <sponsorshipDate>2012-06-06</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>K000369</bioguideId>
        <fullName>Rep. Kissell, Larry [D-NC-8]</fullName>
        <firstName>Larry</firstName>
        <lastName>Kissell</lastName>
        <party>D</party>
        <state>NC</state>
        <district>8</district>
        <sponsorshipDate>2012-06-18</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>W000795</bioguideId>
        <fullName>Rep. Wilson, Joe [R-SC-2]</fullName>
        <firstName>Joe</firstName>
        <lastName>Wilson</lastName>
        <party>R</party>
        <state>SC</state>
        <district>2</district>
        <sponsorshipDate>2012-06-18</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>F000459</bioguideId>
        <fullName>Rep. Fleischmann, Charles J. "Chuck" [R-TN-3]</fullName>
        <firstName>Charles</firstName>
        <lastName>Fleischmann</lastName>
        <party>R</party>
        <state>TN</state>
        <middleName>J. "Chuck"</middleName>
        <district>3</district>
        <sponsorshipDate>2012-06-18</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>M001179</bioguideId>
        <fullName>Rep. Marino, Tom [R-PA-10]</fullName>
        <firstName>Tom</firstName>
        <lastName>Marino</lastName>
        <party>R</party>
        <state>PA</state>
        <district>10</district>
        <sponsorshipDate>2012-06-18</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>S001184</bioguideId>
        <fullName>Rep. Scott, Tim [R-SC-1]</fullName>
        <firstName>Tim</firstName>
        <lastName>Scott</lastName>
        <party>R</party>
        <state>SC</state>
        <district>1</district>
        <sponsorshipDate>2012-07-19</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>G000560</bioguideId>
        <fullName>Rep. Graves, Tom [R-GA-9]</fullName>
        <firstName>Tom</firstName>
        <lastName>Graves</lastName>
        <party>R</party>
        <state>GA</state>
        <district>9</district>
        <sponsorshipDate>2012-07-24</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>C001072</bioguideId>
        <fullName>Rep. Carson, Andre [D-IN-7]</fullName>
        <firstName>Andre</firstName>
        <lastName>Carson</lastName>
        <party>D</party>
        <state>IN</state>
        <district>7</district>
        <sponsorshipDate>2012-08-01</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>M001149</bioguideId>
        <fullName>Rep. Michaud, Michael H. [D-ME-2]</fullName>
        <firstName>Michael</firstName>
        <lastName>Michaud</lastName>
        <party>D</party>
        <state>ME</state>
        <middleName>H.</middleName>
        <district>2</district>
        <sponsorshipDate>2012-10-19</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
      <item>
        <bioguideId>S001188</bioguideId>
        <fullName>Rep. Stutzman, Marlin A. [R-IN-3]</fullName>
        <firstName>Marlin</firstName>
        <lastName>Stutzman</lastName>
        <party>R</party>
        <state>IN</state>
        <middleName>A.</middleName>
        <district>3</district>
        <sponsorshipDate>2012-10-23</sponsorshipDate>
        <isOriginalCosponsor>False</isOriginalCosponsor>
      </item>
    </cosponsors>
    <policyArea>
      <name>Housing and Community Development</name>
    </policyArea>
    <subjects>
      <legislativeSubjects>
        <item>
          <name>Banking and financial institutions regulation</name>
        </item>
        <item>
          <name>Housing finance and home ownership</name>
        </item>
        <item>
          <name>Housing industry and standards</name>
        </item>
        <item>
          <name>Licensing and registrations</name>
        </item>
      </legislativeSubjects>
      <policyArea>
        <name>Housing and Community Development</name>
      </policyArea>
    </subjects>
    <summaries>
      <summary>
        <versionCode>00</versionCode>
        <actionDate>2012-01-31</actionDate>
        <actionDesc>Introduced in House</actionDesc>
        <updateDate>2012-10-25T21:34:31Z</updateDate>
        <text><![CDATA[ <p>Preserving Access to Manufactured Housing Act - Amends the S.A.F.E. Mortgage Licensing Act of 2008 to exclude a seller of manufactured homes from the definition of loan originator subject to such Act, unless such individual or entity is engaged in the business of a loan originator or receives compensation or gain for engaging in certain residential mortgage loan activities in excess of any compensation or gain received in a comparable cash transaction.</p> <p>Amends the Truth in Lending Act, as amended by the Dodd-Frank Wall Street Reform and Consumer Protection Act, to revise the definition of &quot;high cost mortgage.&quot;</p>]]></text>
      </summary>
    </summaries>
    <title>Preserving Access to Manufactured Housing Act</title>
    <titles>
      <item>
        <titleType>Short Titles as Introduced</titleType>
        <title>Preserving Access to Manufactured Housing Act</title>
      </item>
      <item>
        <titleType>Official Title as Introduced</titleType>
        <title>To amend the S.A.F.E. Mortgage Licensing Act of 2008 to provide an exception from the definition of loan originator for certain loans made with respect to manufactured homes, to amend the Truth in Lending Act to modify the definition of a high-cost mortgage, and for other purposes.</title>
      </item>
      <item>
        <titleType>Display Title</titleType>
        <title>Preserving Access to Manufactured Housing Act</title>
      </item>
    </titles>
    <textVersions>
      <item>
        <type>Introduced in House</type>
        <date>2012-01-31T05:00:00Z</date>
        <formats>
          <item>
            <url>https://www.govinfo.gov/content/pkg/BILLS-112hr3849ih/xml/BILLS-112hr3849ih.xml</url>
          </item>
        </formats>
      </item>
    </textVersions>
    <latestAction>
      <actionDate>2012-02-09</actionDate>
      <text>Referred to the Subcommittee on Financial Institutions and Consumer Credit.</text>
    </latestAction>
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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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