H.R. 1295 (109th): Responsible Lending Act

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.


Robert “Bob” Ney

Representative for Ohio's 18th congressional district



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Last Updated: Mar 15, 2005
Length: 126 pages


Mar 15, 2005

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.

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“H.R. 1295 — 109th Congress: Responsible Lending Act.” www.GovTrack.us. 2005. October 24, 2016 <https://www.govtrack.us/congress/bills/109/hr1295>

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