Interior, Environment, Financial Services and General Government, Agriculture, Rural Development, Food and Drug Administration, and Transportation, Housing and Urban Development Appropriations Act, 2019

3.0.0 5078 2023-01-11T13:40:30Z 2023-01-11T13:40:30Z House HR 2018-02-23 115 [Congressional Record Volume 164, Number 33 (Friday, February 23, 2018)]From the Congressional Record Online through the Government Publishing Office [www.gpo.gov]By Mr. HILL:H.R. 5078.Congress has the power to enact this legislation pursuantto the following:Article I, Section 8, Clause 1[Page H1226]]]> ssbk00 Banking, Housing, and Urban Affairs Committee Senate Standing Referred to 2018-02-28T18:58:06Z hsba00 Financial Services Committee House Standing Referred to 2018-02-23T15:01:00Z Interior, Environment, Financial Services and General Government, Agriculture, Rural Development, Food and Drug Administration, and Transportation, Housing and Urban Development Appropriations Act, 2019 115 6147 HR 2018-09-07 Message on Senate action sent to the House. Related bill CRS Credit Access and Inclusion Act of 2018 115 3040 S 2018-07-12 Committee on Banking, Housing, and Urban Affairs. Hearings held. Related bill CRS The Credit Access and Inclusion Act of 2017 115 435 HR 2018-06-26 Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. Related bill CRS TRID Improvement Act of 2017 115 3978 HR 2018-02-15 Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. Related bill CRS TRID Improvement Act of 2018 115 2490 S 2018-03-05 Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. Related bill CRS JOBS and Investor Confidence Act of 2018 115 488 S 2018-07-18 Message on House action received in Senate and at desk: House amendments to Senate bill. Related bill CRS 2018-02-28 ssbk00 Banking, Housing, and Urban Affairs Committee Senate Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. IntroReferral 2018-02-27 15:50:45 Motion to reconsider laid on the table Agreed to without objection. Floor H38310 2 House floor actions 2018-02-27 15:50:43 On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote. (text: CR H1306) Floor H37300 2 House floor actions 2018-02-27 15:50:43 Passed/agreed to in House: On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote.(text: CR H1306) Floor 8000 9 Library of Congress 2018-02-27 15:36:03 DEBATE - The House proceeded with forty minutes of debate on H.R. 5078. Floor H8D000 2 House floor actions 2018-02-27 15:36:02 Considered under suspension of the rules. (consideration: CR H1306-1308) Floor H30000 2 House floor actions 2018-02-27 15:35:55 Mr. Hill moved to suspend the rules and pass the bill, as amended. Floor H30300 2 House floor actions 2018-02-23 Referred to the House Committee on Financial Services. IntroReferral H11100 2 House floor actions hsba00 Financial Services Committee 2018-02-23 Introduced in House IntroReferral Intro-H 9 Library of Congress 2018-02-23 Introduced in House IntroReferral 1000 9 Library of Congress H001072 Rep. Hill, J. French [R-AR-2] J. Hill R AR French 2 N Finance and Financial Sector Congressional oversight Consumer credit Debt collection Government studies and investigations Low- and moderate-income housing Public utilities and utility rates Finance and Financial Sector

00 2018-02-23 Introduced in House 2018-03-05T16:54:24Z TRID Improvement Act of 2018

This bill amends the Real Estate Settlement Procedures of 1974 to modify disclosure requirements applicable to mortgage loan transactions. Specifically, the disclosed charges for any title insurance premium shall be equal to the amount charged for each individual title insurance policy, subject to any discounts as required by either state regulation or the title company rate filings.

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36 2018-02-27 Passed House amended 2018-03-20T13:48:48Z TRID Improvement Act of 2018

(Sec. 2) This bill amends the Real Estate Settlement Procedures of 1974 to modify disclosure requirements applicable to mortgage loan transactions. Specifically, the disclosed charges for any title insurance premium shall be equal to the amount charged for each individual title insurance policy, subject to any discounts as required by either state regulation or the title company rate filings.

(Sec. 3) The bill amends the Fair Credit Reporting Act to allow the reporting of certain positive consumer-credit information to consumer reporting agencies. Specifically, a person or the Department of Housing and Urban Development may report information related to a consumer's performance in making payments either under a lease agreement for a dwelling or pursuant to a contract for a utility or telecommunications service. However, information about a consumer's usage of any utility or telecommunications service may be reported only to the extent that the information relates to payment by the consumer for such service or other terms of the provision of that service. Furthermore, an energy-utility firm may not report a consumer's outstanding balance as late if the firm and the consumer have entered into a payment plan and the consumer is meeting the obligations of that plan.

Specified provisions of the Consumer Credit Protection Act that establish civil liability with respect to furnishers of information to consumer reporting agencies shall not apply to any violation of the bill.

The Government Accountability Office must report on the consumer impact of such reporting.

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TRID Improvement Act of 2018 Display Title TRID Improvement Act of 2018 Official Title as Introduced To amend the Real Estate Settlement Procedures Act of 1974 to modify requirements related to mortgage disclosures, and for other purposes. Introduced in House IH Short Titles as Introduced TRID Improvement Act of 2018 Short Titles as Passed House TRID Improvement Act of 2018 H House Referred in Senate 2018-02-28T05:00:00Z https://www.govinfo.gov/content/pkg/BILLS-115hr5078rfs/xml/BILLS-115hr5078rfs.xml Engrossed in House 2018-02-27T05:00:00Z https://www.govinfo.gov/content/pkg/BILLS-115hr5078eh/xml/BILLS-115hr5078eh.xml Introduced in House 2018-02-23T05:00:00Z https://www.govinfo.gov/content/pkg/BILLS-115hr5078ih/xml/BILLS-115hr5078ih.xml 2018-02-28 Received in the Senate and 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.