H.R. 3915 (110th): Mortgage Reform and Anti-Predatory Lending Act of 2007


Oct 22, 2007
110th Congress, 2007–2009

Died in a previous Congress

This bill was introduced in a previous session of Congress and was passed by the House on November 15, 2007 but was never passed by the Senate.


Bradley “Brad” Miller

Representative for North Carolina's 13th congressional district



Read Text »
Last Updated: Dec 3, 2007
Length: 189 pages

About the bill

Full Title

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.

Summary (CRS)

TitleI - Residential Mortgage Loan OriginationSubtitleA - Licensing System for Residential Mortgage Loan OriginatorsEncourages the states, through the Conference of State Bank Supervisors and the American Association of Residential Mortgage ... Read more >

The bill’s title was written by its sponsor.


Oct 22, 2007

This is the first step in the legislative process.

Nov 6, 2007
Reported by Committee

A committee has issued a report to the full chamber recommending that the bill be considered further. Only about 1 in 4 bills are reported out of committee.

Nov 15, 2007
Passed House

The bill was passed in a vote in the House. It goes to the Senate next.

This is a House of Representatives bill in the United States Congress (indicated by the “H.R.” in “H.R. 3915”). A bill must be passed by both the House and Senate in identical form and then be signed by the President to become law.


27 cosponsors (26D, 1R) (show)
Committee Assignments

The committee chair determines whether a bill will move past the committee stage.

Nov 15, 2007 2:31 p.m.
Failed 169/250
Nov 15, 2007 5:24 p.m.
Failed 172/249
Nov 15, 2007 5:29 p.m.
Failed 188/229
Nov 15, 2007 5:33 p.m.
Failed 168/245
Nov 15, 2007 6:12 p.m.
Passed 291/127

Links & tools

Primary Source

THOMAS.gov (The Library of Congress)

GovTrack gets most information from THOMAS, which is updated generally one day after events occur. Activity since the last update may not be reflected here. Data comes via the congress project.


Click a format for a citation suggestion: