3.0.0 2133 2023-01-11T13:35:57Z 2023-01-11T13:35:57Z House HR 2017-04-25 115 [Congressional Record Volume 163, Number 70 (Tuesday, April 25, 2017)]From the Congressional Record Online through the Government Publishing Office [www.gpo.gov]By Mr. LUETKEMEYER:H.R. 2133.Congress has the power to enact this legislation pursuantto the following:The constitutional authority on which this bill rests isthe explicit power of Congress to regulate in commerce in andamong the states, as enumerate in Article 1, Section 8,Clause 3, the Commerce Clause, of the United StatesConstitution.Additionally, Article 1, Section 7, Clause 2 of theConstitution allows for every bill passed by the House ofRepresentatives and the Senate and signed by the President tobe codified into law; and therefore implicitly allowsCongress to repeal any bill that has been passed by bothchambers and signed into law by the President.[Page H2847]]]> hsba00 Financial Services Committee House Standing hsba15 Consumer Protection and Financial Institutions Subcommittee Hearings by 2017-07-12T17:12:49Z Referred to 2017-04-25T16:03:10Z Securing Access to Affordable Mortgages Act 115 3221 HR 2018-03-08 Placed on the Union Calendar, Calendar No. 448. Related bill CRS Small Bank Holding Company Relief Act 115 1948 HR 2017-04-05 Referred to the House Committee on Financial Services. Related bill CRS Portfolio Lending and Mortgage Access Act 115 2013 S 2017-10-26 Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. Related bill CRS Home Mortgage Disclosure Adjustment Act 115 2954 HR 2018-01-19 Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. Related bill CRS Financial Institution Customer Protection Act of 2017 115 2706 HR 2017-12-12 Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. Related bill CRS Portfolio Lending and Mortgage Access Act 115 2226 HR 2018-03-07 Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. Related bill CRS 2017-07-12 hsba15 Consumer Protection and Financial Institutions Subcommittee 1 House committee actions Hearings Held by the Subcommittee on Financial Institutions and Consumer Credit Prior to Referral. Committee 2017-04-25 Referred to the House Committee on Financial Services. IntroReferral H11100 2 House floor actions hsba00 Financial Services Committee 2017-04-25 Introduced in House IntroReferral Intro-H 9 Library of Congress 2017-04-25 Introduced in House IntroReferral 1000 9 Library of Congress L000569 Rep. Luetkemeyer, Blaine [R-MO-3] Blaine Luetkemeyer R MO 3 N S000250 Rep. Sessions, Pete [R-TX-32] PETE SESSIONS R TX 32 2017-04-28 False E000294 Rep. Emmer, Tom [R-MN-6] Tom Emmer R MN 6 2017-04-28 False F000464 Rep. Faso, John J. [R-NY-19] John Faso R NY J. 19 2017-05-04 False D000619 Rep. Davis, Rodney [R-IL-13] Rodney Davis R IL 13 2017-05-04 False C001096 Rep. Cramer, Kevin [R-ND-At Large] Kevin Cramer R ND 0 2017-05-04 False C001087 Rep. Crawford, Eric A. "Rick" [R-AR-1] Eric Crawford R AR A. "Rick" 1 2017-05-04 False H001059 Rep. Hultgren, Randy [R-IL-14] Randy Hultgren R IL 14 2017-05-17 False L000587 Rep. Lewis, Jason [R-MN-2] Jason Lewis R MN 2 2017-05-17 False R000598 Rep. Rothfus, Keith J. [R-PA-12] Keith Rothfus R PA J. 12 2017-05-24 False P000594 Rep. Paulsen, Erik [R-MN-3] Erik Paulsen R MN 3 2017-05-24 False P000588 Rep. Pearce, Stevan [R-NM-2] Stevan Pearce R NM 2 2017-06-06 False R000585 Rep. Reed, Tom [R-NY-23] Tom Reed R NY 23 2017-06-06 False W000804 Rep. Wittman, Robert J. [R-VA-1] Robert Wittman R VA J. 1 2017-06-06 False B001305 Rep. Budd, Ted [R-NC-13] Ted Budd R NC 13 2017-06-27 False H001045 Rep. Harper, Gregg [R-MS-3] Gregg Harper R MS 3 2017-06-27 False Z000017 Rep. Zeldin, Lee M. [R-NY-1] Lee Zeldin R NY M. 1 2017-06-27 False C001048 Rep. Culberson, John Abney [R-TX-7] JOHN CULBERSON R TX ABNEY 7 2017-06-27 False T000475 Rep. Trott, David A. [R-MI-11] David Trott R MI A. 11 2017-07-11 False W000816 Rep. Williams, Roger [R-TX-25] Roger Williams R TX 25 2017-07-11 False R000593 Rep. Ross, Dennis A. [R-FL-15] Dennis Ross R FL A. 15 2017-07-11 False B001295 Rep. Bost, Mike [R-IL-12] Mike Bost R IL 12 2017-07-11 False S001187 Rep. Stivers, Steve [R-OH-15] Steve Stivers R OH 15 2017-07-14 False L000583 Rep. Loudermilk, Barry [R-GA-11] Barry Loudermilk R GA 11 2017-07-14 False M001195 Rep. Mooney, Alexander X. [R-WV-2] Alexander Mooney R WV X. 2 2017-07-14 False R000582 Rep. Roe, David P. [R-TN-1] David Roe R TN P. 1 2017-07-14 False R000586 Rep. Renacci, James B. [R-OH-16] James Renacci R OH B. 16 2017-07-20 False L000566 Rep. Latta, Robert E. [R-OH-5] Robert Latta R OH E. 5 2017-07-20 False K000392 Rep. Kustoff, David [R-TN-8] David Kustoff R TN 8 2017-07-20 False W000798 Rep. Walberg, Tim [R-MI-7] Tim Walberg R MI 7 2017-07-20 False A000375 Rep. Arrington, Jodey C. [R-TX-19] Jodey Arrington R TX C. 19 2017-07-26 False F000466 Rep. Fitzpatrick, Brian K. [R-PA-8] Brian Fitzpatrick R PA K. 8 2017-07-26 False B001257 Rep. Bilirakis, Gus M. [R-FL-12] Gus Bilirakis R FL M. 12 2017-08-29 False P000599 Rep. Posey, Bill [R-FL-8] Bill Posey R FL 8 2017-08-29 False L000585 Rep. LaHood, Darin [R-IL-18] Darin LaHood R IL 18 2017-08-29 False W000809 Rep. Womack, Steve [R-AR-3] Steve Womack R AR 3 2017-08-29 False C001107 Rep. Curbelo, Carlos [R-FL-26] Carlos Curbelo R FL 26 2017-08-29 False D000628 Rep. Dunn, Neal P. [R-FL-2] Neal Dunn R FL P. 2 2017-08-29 False D000600 Rep. Diaz-Balart, Mario [R-FL-25] Mario Diaz-Balart R FL 25 2017-08-29 False B001260 Rep. Buchanan, Vern [R-FL-16] Vern Buchanan R FL 16 2017-08-29 False H001074 Rep. Hollingsworth, Trey [R-IN-9] Trey Hollingsworth R IN 9 2017-09-07 False D000621 Rep. DeSantis, Ron [R-FL-6] Ron DeSantis R FL 6 2017-09-07 False C001051 Rep. Carter, John R. [R-TX-31] John Carter R TX R. 31 2017-09-07 False Y000065 Rep. Yoho, Ted S. [R-FL-3] Ted Yoho R FL S. 3 2017-09-25 False W000806 Rep. Webster, Daniel [R-FL-11] Daniel Webster R FL 11 2017-09-25 False E000298 Rep. Estes, Ron [R-KS-4] Ron Estes R KS 4 2017-09-25 False D000626 Rep. Davidson, Warren [R-OH-8] Warren Davidson R OH 8 2017-09-25 False R000609 Rep. Rutherford, John H. [R-FL-4] John Rutherford R FL H. 4 2017-10-04 False C001053 Rep. Cole, Tom [R-OK-4] Tom Cole R OK 4 2017-10-04 False F000459 Rep. Fleischmann, Charles J. "Chuck" [R-TN-3] Charles Fleischmann R TN J. "Chuck" 3 2017-10-04 False R000601 Rep. Ratcliffe, John [R-TX-4] John Ratcliffe R TX 4 2017-10-06 False R000607 Rep. Rooney, Francis [R-FL-19] Francis Rooney R FL 19 2017-10-12 False J000174 Rep. Johnson, Sam [R-TX-3] SAM JOHNSON R TX 3 2017-10-12 False M001201 Rep. Mitchell, Paul [R-MI-10] Paul Mitchell R MI 10 2017-10-12 False N000190 Rep. Norman, Ralph [R-SC-5] Ralph Norman R SC 5 2018-02-15 False K000378 Rep. Kinzinger, Adam [R-IL-16] Adam Kinzinger R IL 16 2018-02-15 False Finance and Financial Sector Administrative law and regulatory procedures Asia Bank accounts, deposits, capital Banking and financial institutions regulation Business records Civil actions and liability Congressional oversight Consumer Financial Protection Bureau Consumer affairs Consumer credit Department of the Treasury Evidence and witnesses Federal Deposit Insurance Corporation (FDIC) Federal Reserve System Foreign and international banking Government information and archives Housing finance and home ownership Iran Judicial procedure and administration Middle East Minority and disadvantaged businesses National Credit Union Administration North Korea Small business Syria Terrorism Women in business Finance and Financial Sector 00 2017-04-25 Introduced in House 2019-08-06T15:33:30Z Community Lending Enhancement and Regulatory Relief Act of 2017 or the CLEARR Act of 2017

This bill

  • exempts small banks from certain mortgage escrow requirements and from mandatory disclosures of loan servicing transfers;
  • exempts small mortgage loans from specified property appraisal requirements;
  • requires federal banking agencies to revise regulations regarding capital requirements for mortgage servicing assets;
  • modifies the authority of the Consumer Financial Protection Bureau (CFPB) over unfair, deceptive, or abusive acts;
  • limits the institutions over which the CFPB has a supervisory role;
  • limits prohibitions on discrimination under the Equal Credit Opportunity Act and the Fair Housing Act to intentional acts;
  • modifies certain mortgage loan recordkeeping and disclosure requirements;
  • limits the authority of a federal banking agency to request or order a deposit institution to terminate a customer account;
  • limits the liability of creditors and mortgage originators for violating certain ability-to-pay requirements; and
  • otherwise modifies provisions related to financial institutions.
]]> CLEARR Act of 2017 Display Title CLEARR Act of 2017 Official Title as Introduced To provide regulatory relief to community financial institutions, and for other purposes. Introduced in House IH Short Titles as Introduced CLEARR Act of 2017 Short Titles as Introduced Community Lending Enhancement and Regulatory Relief Act of 2017 Introduced in House 2017-04-25T04:00:00Z https://www.govinfo.gov/content/pkg/BILLS-115hr2133ih/xml/BILLS-115hr2133ih.xml 2017-07-12 Hearings Held by the Subcommittee on Financial Institutions and Consumer Credit Prior to Referral. 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.