TRUTH IN LENDING ACT

Amendments

Credit: improve definitions of points and fees in connection with a mortgage transaction (H.R. 685), consideration (H. Res. 189), H2169 [14AP]

——— modify the definitions of a mortgage originator and a high-cost mortgage to preserve access to manufactured housing (H.R. 650), consideration (H. Res. 189), H2169 [14AP]

Articles and editorials

Mobile-Home Trap—How a Warren Buffett Empire Preys on the Poor, H2179–H2181 [14AP]

Bills and resolutions

Colleges and universities: clarify application of prepayment amounts on student loans (see H.R. 3786), H7089 [21OC]

——— clarify application of prepayment and underpayment amounts on student loans (see H.R. 3947), H8150 [5NO]

Consumers: provide for additional protections and disclosures to consumers when financial products or services are related to the consumers’ military or Federal pensions (see H.R. 3850), H7331 [28OC]

Credit: allow certain loans that are not fully amortizing to be used in seller carryback financing on residential mortgage loans (see H.R. 162), H42 [6JA]

——— clarify that points and fees in connection with a mortgage loan do not include certain compensation amounts already taken into account in setting the interest rate on such loan (see H.R. 3393), H5767 [29JY]

——— establish a national usury rate for consumer credit transactions (see S. 838), S1708 [23MR] (see H.R. 1565), H1898 [24MR]

——— establish requirements for treatment of a private education loan upon the death or bankruptcy of a cosigner of the loans (see H.R. 2542), H3560 [21MY]

——— improve definitions of points and fees in connection with a mortgage transaction (see H.R. 685), H755 [3FE]

——— improve definitions of points and fees in connection with a mortgage transaction (H.R. 685), consideration (see H. Res. 189), H2151 [13AP]

——— modify the definitions of a mortgage originator and a high-cost mortgage to preserve access to manufactured housing (see S. 682), S1383 [10MR] (see H.R. 650), H703 [2FE]

——— modify the definitions of a mortgage originator and a high-cost mortgage to preserve access to manufactured housing (H.R. 650), consideration (see H. Res. 189), H2151 [13AP]

——— prohibit private educational lenders from requiring accelerated repayment of private education loans upon the death or disability of the cosigner of the loan (see H.R. 3450), H5847 [8SE]

——— provide a safe harbor from certain requirements relative to qualified mortgages for residential mortgage loans held on an originating depository institution’s portfolio (see H.R. 1210), H1565 [3MR]

——— provide for the discharge of student loan obligations upon the death of the student borrower (see S. 1384), S3060 [19MY]

——— provide that residential mortgage loans held on portfolio qualify as qualified mortgages relative to the presumption of ability to repay requirements (see H.R. 1113), H1368 [26FE]

——— strengthen certain disclosure requirements for creditors (see H.R. 2129), H2767 [30AP]

Dept. of Education: require certain protections for student loan borrowers and provide reasonable and flexible repayment options, access to earned credentials, and loan cancellation in exchange for public service (see H.R. 1352), H1626 [10MR] (see H.R. 3634), H6306 [28SE]

Education: require certain protections for student loan borrowers (see S. 840), S1708 [23MR]

Financial institutions: establish deferred presentment transaction requirements (see H.R. 4018), H8240 [16NO]

——— modify requirements for community financial institutions relative to certain mortgage loan rules (see H.R. 1529), H1847 [23MR]

Nonprofit organizations: clarify that organizations such as Habitat for Humanity can accept donated mortgage appraisals (see S. 1344), S2933 [14MY] (see S. 2085), S6974 [28SE] (see H.R. 3704), H6892 [7OC]

Real estate: provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions (see S. 1711), S4686 [7JY] (see H.R. 2213), H2791 [1MY] (see H.R. 3192), H5466 [23JY]

——— provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions (H.R. 3192), consideration (see H. Res. 462), H6835 [6OC]

Student loans: include requirements for the transfer of servicing of postsecondary student loans (see H.R. 3948), H8150 [5NO]

Letters

Homebuyers Assistance Act: Richard Cordray, Consumer Financial Protection Bureau, H6861, H6864 [7OC]

——— several organizations, H6855 [7OC]

——— several Representatives, H6849, H6861 [7OC]

Impact of Consumer Financial Protection Bureau rules on ability to repay mortgage on a manufactured home: J.D. Harper, Arkansas Manufactured Housing Association, H2184 [14AP]

Mortgage Choice Act: several Representatives, H2194 [14AP]

Mortgage Servicing Asset Capital Requirements Act, Holding Company Registration Threshold Equalization Act, and Community Institution Mortgage Relief Act: James C. Ballentine, American Bankers Association, H5139 [14JY]

Reforming CFPB Indirect Auto Financing Guidance Act and Portfolio Lending and Mortgage Access Act: R. Bruce Josten, U.S. Chamber of Commerce, H8299 [18NO]

Motions

Credit: modify the definitions of a mortgage originator and a high-cost mortgage to preserve access to manufactured housing (H.R. 650), H2194 [14AP]

Real estate: provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions (H.R. 3192), H6868 [7OC]

Remarks in House

Consumers: restore private right of action by borrowers against leaders who act in bad faith, H6851–H6856 [7OC]

Credit: allow members of the Armed Forces and veterans to sue a predatory mortgage lender, H8320 [18NO]

——— improve definitions of points and fees in connection with a mortgage transaction (H.R. 685), H2188–H2194 [14AP], E495 [15AP]

——— improve definitions of points and fees in connection with a mortgage transaction (H.R. 685), consideration (H. Res. 189), H2165–H2171 [14AP]

——— modify the definitions of a mortgage originator and a high-cost mortgage to preserve access to manufactured housing (H.R. 650), H2178–H2188, H2194–H2197 [14AP], H2320, H2339 [21AP], E157 [3FE]

——— modify the definitions of a mortgage originator and a high-cost mortgage to preserve access to manufactured housing (H.R. 650), consideration (H. Res. 189), H2165–H2171 [14AP]

——— modify the definitions of a mortgage originator and a high-cost mortgage to preserve access to manufactured housing (H.R. 650), motion to recommit, H2195 [14AP]

——— prohibit predatory mortgage lenders from benefiting from modifications to definitions of a mortgage originator and a high-cost mortgage to preserve access to manufactured housing, H2195 [14AP]

FRS: delay making effective Consumer Financial Protection Bureau rule combining Real Estate Settlement Procedures Act and Truth in Lending Act disclosure, H4019 [10JN]

Real estate: exempt servicemembers, veterans, seniors, students, and their families from proposed temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions, H6868 [7OC]

——— provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions (H.R. 3192), H6780 [1OC], H6845, H6858–H6869 [7OC], E1449, E1451 [8OC], E1457 [9OC]

——— provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions (H.R. 3192), consideration (H. Res. 462), H6848–H6856 [7OC]

——— provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions (H.R. 3192), motion to recommit, H6868 [7OC]

Reports filed

Community Institution Mortgage Relief Act: Committee on Financial Services (House) (H.R. 1529) (H. Rept. 114–57), H2151 [13AP]

Consideration of H.R. 650, Preserving Access to Manufactured Housing Act and H.R. 685, Mortgage Choice Act: Committee on Rules (House) (H. Res. 189) (H. Rept. 114–65), H2151 [13AP]

Consideration of H.R. 1210, Portfolio Lending and Mortgage Access Act and H.R. 3189, Fed Oversight Reform and Modernization (FORM) Act: Committee on Rules (House) (H. Res. 529) (H. Rept. 114–341), H8279 [17NO]

Consideration of H.R. 3192, Homebuyers Assistance Act: Committee on Rules (House) (H. Res. 462) (H. Rept. 114–289), H6835 [6OC]

Homebuyers Assistance Act: Committee on Financial Services (House) (H.R. 3192) (H. Rept. 114–278), H6786 [1OC]

Mortgage Choice Act: Committee on Financial Services (House) (H.R. 685) (H. Rept. 114–54), H2151 [13AP]

Portfolio Lending and Mortgage Access Act: Committee on Financial Services (House) (H.R. 1210) (H. Rept. 114–330), H8238 [16NO]

Preserving Access to Manufactured Housing Act: Committee on Financial Services (House) (H.R. 650) (H. Rept. 114–53), H2151 [13AP]

Statements

Homebuyers Assistance Act: Executive Office of the President, H6850, H6862 [7OC]

Portfolio Lending and Mortgage Access Act: Executive Office of the President, H8295 [18NO]

Texts of

H. Res. 189, consideration of H.R. 650, Preserving Access to Manufactured Housing Act and H.R. 685, Mortgage Choice Act, H2165 [14AP]

H. Res. 462, consideration of H.R. 3192, Homebuyers Assistance Act, H6848 [7OC]

H. Res. 529, consideration of H.R. 1210, Portfolio Lending and Mortgage Access Act and H.R. 3189, Fed Oversight Reform and Modernization (FORM) Act, and clarify House proceedings and actions during November district work period, H8292 [18NO]

H.R. 685, Mortgage Choice Act, H2188 [14AP]

H.R. 1210, Portfolio Lending and Mortgage Access Act, H8312 [18NO]

H.R. 3192, Homebuyers Assistance Act, H6858 [7OC]

S. 838, Protecting Consumers From Unreasonable Credit Rates Act, S1710 [23MR]

S. 840, Student Loan Borrower Bill of Rights, S1712–S1716 [23MR]