To protect consumers against unfair and deceptive practices in connection with higher cost mortgage transactions, to strengthen the civil remedies available to consumers under existing law, to provide for certain uniform lending standards, to improve housing counseling, to better mortgage servicing, to enhance appraisal standards and oversight, to establish licensing and minimum standards for mortgage brokers, and for other purposes.
The bill’s titles are written by its sponsor.
Mar 15, 2005
109th Congress, 2005–2006
Died in a previous Congress
This bill was introduced on March 15, 2005, in a previous session of Congress, but was not enacted.
Representative for Ohio's 18th congressional district
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Last Updated: Mar 15, 2005
Length: 126 pages
Earlier Version — Introduced
This activity took place on a related bill, H.R. 833 (108th).
This is the first step in the legislative process.
H.R. 1295 (109th) was a bill in the United States Congress.
A bill must be passed by both the House and Senate in identical form and then be signed by the President to become law.
This bill was introduced in the 109th Congress, which met from Jan 4, 2005 to Dec 9, 2006. Legislation not enacted by the end of a Congress is cleared from the books.
How to cite this information.
We recommend the following MLA-formatted citation when using the information you see here in academic work:
Civic Impulse. (2017). H.R. 1295 — 109th Congress: Responsible Lending Act. Retrieved from https://www.govtrack.us/congress/bills/109/hr1295
“H.R. 1295 — 109th Congress: Responsible Lending Act.” www.GovTrack.us. 2005. May 24, 2017 <https://www.govtrack.us/congress/bills/109/hr1295>
|title=H.R. 1295 (109th)
|accessdate=May 24, 2017
|author=109th Congress (2005)
|date=March 15, 2005
|quote=Responsible Lending Act
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