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Congress > Legislation
H.R. 3915:
Mortgage Reform and Anti-Predatory Lending Act of 2007
110th Congress

This is a bill in the U.S. Congress originating in the House of Representatives ("H.R."). A bill must be passed by both the House and Senate and then be signed by the President before it becomes law.

Bill numbers restart from 1 every two years. Each two-year cycle is called a session of Congress. This bill was created in the 110th Congress, in 2007-2008.

The titles of bills are written by the bill's sponsor and are a part of the legislation itself. GovTrack does not editorialize bill summaries.

2007-2008
Track H.R. 3915 [110th]

Because this bill was introduced in a previous session of Congress, no more action can occur on it.

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Primary Source

See H.R. 3915 [110th] on THOMAS for the official source of information on this bill or resolution.

To amend the Truth in Lending Act to reform consumer mortgage practices and provide accountability for such practices, to establish licensing and registration requirements for residential mortgage originators, to provide certain minimum standards for consumer mortgage loans, and for other purposes.

Overview

Sponsor:
Text:
Summary | Full Text
Cost:
 $2 per American over the 2008-2012 period.

This is computed from a Congressional Budget Office report, merely by dividing the estimated cost of $316,000,000 by the U.S. population. The figure is extracted from the report automatically and may be incorrect. See the report for details.

Status:
Occurred: IntroducedOct 22, 2007
Occurred: Referred to CommitteeView Committee Assignments
Occurred: Reported by CommitteeNov 6, 2007
Occurred: Amendments (19 proposed)View Amendments
Occurred: Passed HouseNov 15, 2007
Not Yet Occurred: Senate Vote(did not occur)
Not Yet Occurred: Signed by President(did not occur)
This bill never became law. This bill was proposed in a previous session of Congress. Sessions of Congress last two years, and at the end of each session all proposed bills and resolutions that haven't passed are cleared from the books. Members often reintroduce bills that did not come up for debate under a new number in the next session.
Last Action:
Dec 3, 2007: Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Other Titles:
-- Expand and Preserve Home Ownership Through Counseling Act
Related:
See the Related Legislation page for other bills related to this one and a list of subject terms that have been applied to this bill. Sometimes the text of one bill or resolution is incorporated into another, and in those cases the original bill or resolution, as it would appear here, would seem to be abandoned.
Votes:
Nov 15, 2007: This bill passed in the House of Representatives by roll call vote. The totals were 291 Ayes, 127 Nays, 14 Present/Not Voting. Vote Details.
You are not tracking any senators or representatives. To see their votes here, look up a Member of Congress.
View all 6 votes on this bill.
Question & Answer
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Feb 6, 2009 1:16 PM - Is there a similar bill that is out there for 2009? have any of the suggested amendments been made law through other bills? - Answer it!
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