3.0.0 4076 2019-11-15T20:54:36Z 2019-11-15T20:54:36Z House H HR 2012-02-17 112 From the Congressional Record Online through the Government Publishing Office [www.gpo.gov]By Mr. FRANK of Massachusetts:H.R. 4076.Congress has the power to enact this legislation pursuantto the following:Article I, Section 8 of the United States Constitution,specifically Clause 1, Clause 3, and Clause 18.[Page H944]]]> hsba00 Financial Services Committee House Standing hsba15 Consumer Protection and Financial Institutions Subcommittee Referred to 2012-02-23T21:32:25Z Referred to 2012-02-17T14:02:00Z 2012-02-23 hsba15 Consumer Protection and Financial Institutions Subcommittee 1 House committee actions Referred to the Subcommittee on Financial Institutions and Consumer Credit. Committee 2012-02-17 Referred to the House Committee on Financial Services. IntroReferral H11100 2 House floor actions hsba00 Financial Services Committee 2012-02-17 Introduced in House IntroReferral Intro-H 9 Library of Congress 2012-02-17 Introduced in House IntroReferral 1000 9 Library of Congress F000339 Rep. Frank, Barney [D-MA-4] BARNEY FRANK D MA 4 N M001139 Rep. Miller, Gary G. [R-CA-42] GARY MILLER R CA 42 2012-03-22 False S000810 Rep. Stark, Fortney Pete [D-CA-13] PETE STARK D CA 13 2012-03-22 False L000576 Rep. Long, Billy [R-MO-7] Billy Long R MO 7 2012-06-06 False Housing and Community Development Consumer affairs Housing finance and home ownership Interest, dividends, interest rates Wages and earnings Housing and Community Development

00 2012-02-17 Introduced in House 2012-03-20T19:15:54Z Amends the Truth in Lending Act to deny any construction of the prohibition against residential mortgage loan originator steering incentives as prohibiting a creditor or mortgage originator from reducing compensation to an employee mortgage originator if, after the employee mortgage originator has made the consumer an initial annual percentage rate (APR) offer, the employee mortgage originator makes a subsequent offer to the consumer that: (1) consists only of a reduction in the APR, and (2) is made in response to a lower APR offer to the consumer by another creditor or mortgage originator.

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Display Title Official Title as Introduced Introduced in House 2012-02-17T05:00:00Z https://www.govinfo.gov/content/pkg/BILLS-112hr4076ih/xml/BILLS-112hr4076ih.xml 2012-02-23 Referred to the Subcommittee on Financial Institutions and Consumer Credit. 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.