Committee Reports
111th Congress (2009-2010)
House Report 111-094
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Table of Contents
Beginning
AMENDMENT
SECTION 1. SHORT TITLE; TABLE OF CONTENTS.
TITLE I--RESIDENTIAL MORTGAGE LOAN ORIGINATION STANDARDS
SEC. 101. DEFINITIONS.
SEC. 102. RESIDENTIAL MORTGAGE LOAN ORIGINATION.
`Sec. 129B. Residential mortgage loan origination
SEC. 103. PROHIBITION ON STEERING INCENTIVES.
SEC. 104. LIABILITY.
SEC. 105. REGULATIONS.
SEC. 106. RESPA AND TILA DISCLOSURE IMPROVEMENT.
TITLE II--MINIMUM STANDARDS FOR MORTGAGES
SEC. 201. ABILITY TO REPAY.
`Sec. 129C. Minimum standards for residential mortgage loans
SEC. 202. NET TANGIBLE BENEFIT FOR REFINANCING OF RESIDENTIAL MORTGAGE LOANS.
SEC. 203. SAFE HARBOR AND REBUTTABLE PRESUMPTION.
SEC. 204. LIABILITY.
SEC. 205. DEFENSE TO FORECLOSURE.
SEC. 206. ADDITIONAL STANDARDS AND REQUIREMENTS.
SEC. 207. RULE OF CONSTRUCTION.
SEC. 208. EFFECT ON STATE LAWS.
SEC. 209. REGULATIONS.
SEC. 210. AMENDMENTS TO CIVIL LIABILITY PROVISIONS.
SEC. 211. LENDER RIGHTS IN THE CONTEXT OF BORROWER DECEPTION.
SEC. 212. SIX-MONTH NOTICE REQUIRED BEFORE RESET OF HYBRID ADJUSTABLE RATE MORTGAGES.
`Sec. 128A. Reset of hybrid adjustable rate mortgages
SEC. 213. CREDIT RISK RETENTION.
SEC. 214. REQUIRED DISCLOSURES.
SEC. 215. DISCLOSURES REQUIRED IN MONTHLY STATEMENTS FOR RESIDENTIAL MORTGAGE LOANS.
SEC. 216. LEGAL ASSISTANCE FOR FORECLOSURE-RELATED ISSUES.
SEC. 217. EFFECTIVE DATE.
SEC. 218. REPORT BY THE GAO.
SEC. 219. STATE ATTORNEY GENERAL ENFORCEMENT AUTHORITY.
SEC. 220. TENANT PROTECTION.
TITLE III--HIGH-COST MORTGAGES
SEC. 301. DEFINITIONS RELATING TO HIGH-COST MORTGAGES.
SEC. 302. AMENDMENTS TO EXISTING REQUIREMENTS FOR CERTAIN MORTGAGES.
SEC. 303. ADDITIONAL REQUIREMENTS FOR CERTAIN MORTGAGES.
SEC. 304. REGULATIONS.
SEC. 305. EFFECTIVE DATE.
TITLE IV--OFFICE OF HOUSING COUNSELING
SEC. 401. SHORT TITLE.
SEC. 402. ESTABLISHMENT OF OFFICE OF HOUSING COUNSELING.
SEC. 403. COUNSELING PROCEDURES.
SEC. 404. GRANTS FOR HOUSING COUNSELING ASSISTANCE.
SEC. 405. REQUIREMENTS TO USE HUD-CERTIFIED COUNSELORS UNDER HUD PROGRAMS.
SEC. 406. STUDY OF DEFAULTS AND FORECLOSURES.
SEC. 407. DEFINITIONS FOR COUNSELING-RELATED PROGRAMS.
SEC. 408. UPDATING AND SIMPLIFICATION OF MORTGAGE INFORMATION BOOKLET.
SEC. 409. HOME INSPECTION COUNSELING.
TITLE V--MORTGAGE SERVICING
SEC. 501. ESCROW AND IMPOUND ACCOUNTS RELATING TO CERTAIN CONSUMER CREDIT TRANSACTIONS.
`SEC. 129D. ESCROW OR IMPOUND ACCOUNTS RELATING TO CERTAIN CONSUMER CREDIT TRANSACTIONS.
SEC. 502. DISCLOSURE NOTICE REQUIRED FOR CONSUMERS WHO WAIVE ESCROW SERVICES.
SEC. 503. REAL ESTATE SETTLEMENT PROCEDURES ACT OF 1974 AMENDMENTS.
SEC. 504. TRUTH IN LENDING ACT AMENDMENTS.
`SEC. 129F. REQUIREMENTS FOR PROMPT CREDITING OF HOME LOAN PAYMENTS.
`SEC. 129G. REQUESTS FOR PAYOFF AMOUNTS OF HOME LOAN.
SEC. 505. ESCROWS INCLUDED IN REPAYMENT ANALYSIS.
TITLE VI--APPRAISAL ACTIVITIES
SEC. 601. PROPERTY APPRAISAL REQUIREMENTS.
SEC. 602. UNFAIR AND DECEPTIVE PRACTICES AND ACTS RELATING TO CERTAIN CONSUMER CREDIT TRANSACTIONS.
`SEC. 129E. UNFAIR AND DECEPTIVE PRACTICES AND ACTS RELATING TO CERTAIN CONSUMER CREDIT TRANSACTIONS.
SEC. 603. AMENDMENTS RELATING TO APPRAISAL SUBCOMMITTEE OF FIEC, APPRAISER INDEPENDENCE, AND APPROVED APPRAISER EDUCATION.
`SEC. 1124. APPRAISAL MANAGEMENT COMPANY MINIMUM QUALIFICATIONS.
`SEC. 1125. AUTOMATED VALUATION MODELS USED TO VALUE CERTAIN MORTGAGES.
`SEC. 1126. BROKER PRICE OPINIONS.
SEC. 604. STUDY REQUIRED ON IMPROVEMENTS IN APPRAISAL PROCESS AND COMPLIANCE PROGRAMS.
SEC. 605. EQUAL CREDIT OPPORTUNITY ACT AMENDMENT.
SEC. 606. REAL ESTATE SETTLEMENT PROCEDURES ACT OF 1974 AMENDMENT RELATING TO CERTAIN APPRAISAL FEES.
TITLE VII--SENSE OF CONGRESS REGARDING THE IMPORTANCE OF GOVERNMENT SPONSORED ENTERPRISES REFORM
SEC. 701. SENSE OF CONGRESS REGARDING THE IMPORTANCE OF GOVERNMENT-SPONSORED ENTERPRISES REFORM TO ENHANCE THE PROTECTION,...PURPOSE AND SUMMARY
BACKGROUND AND NEED FOR LEGISLATION
HEARINGS
COMMITTEE CONSIDERATION
COMMITTEE VOTES
COMMITTEE OVERSIGHT FINDINGS
PERFORMANCE GOALS AND OBJECTIVES
NEW BUDGET AUTHORITY, ENTITLEMENT AUTHORITY, AND TAX EXPENDITURES
COMMITTEE COST ESTIMATE
CONGRESSIONAL BUDGET OFFICE ESTIMATE
FEDERAL MANDATES STATEMENT
ADVISORY COMMITTEE STATEMENT
CONSTITUTIONAL AUTHORITY STATEMENT
APPLICABILITY TO LEGISLATIVE BRANCH
EARMARK IDENTIFICATION
SECTION-BY-SECTION ANALYSIS OF THE LEGISLATION
TITLE I--RESIDENTIAL MORTGAGE LOAN ORIGINATION STANDARDS
TITLE II--MINIMUM STANDARDS FOR MORTGAGES
TITLE III--HIGH-COST MORTGAGES
TITLE IV--OFFICE OF HOUSING COUNSELING
TITLE V--MORTGAGE SERVICING
TITLE VI--APPRAISAL ACTIVITIES
TITLE VII--SENSE OF CONGRESS REGARDING THE IMPORTANCE OF GOVERNMENT SPONSORED ENTERPRISES REFORM
CHANGES IN EXISTING LAW MADE BY THE BILL, AS REPORTED
TRUTH IN LENDING ACT
TITLE I--CONSUMER CREDIT COST DISCLOSURE
CHAPTER 1--GENERAL PROVISIONS
Sec. 103. Definitions and rules of construction
Sec. 108. Administrative enforcement
CHAPTER 2--CREDIT TRANSACTIONS
Sec. 128. Consumer credit not under open end credit plans
Sec. 128A. Reset of hybrid adjustable rate mortgages
SEC. 129. REQUIREMENTS FOR CERTAIN MORTGAGES.
Sec. 129B. Residential mortgage loan origination
Sec. 129C. Minimum standards for residential mortgage loans
SEC. 129D. ESCROW OR IMPOUND ACCOUNTS RELATING TO CERTAIN CONSUMER CREDIT TRANSACTIONS.
SEC. 129E. UNFAIR AND DECEPTIVE PRACTICES AND ACTS RELATING TO CERTAIN CONSUMER CREDIT TRANSACTIONS.
SEC. 129F. REQUIREMENTS FOR PROMPT CREDITING OF HOME LOAN PAYMENTS.
SEC. 129G. REQUESTS FOR PAYOFF AMOUNTS OF HOME LOAN.
Sec. 130. Civil liability
SECTION 8 OF THE UNITED STATES HOUSING ACT OF 1937
LOWER INCOME HOUSING ASSISTANCE
DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT ACT
UNDER SECRETARY AND OTHER OFFICERS AND OFFICES
SECTION 106 OF THE HOUSING AND URBAN DEVELOPMENT ACT OF 1968
TECHNICAL ASSISTANCE, COUNSELING TO TENANTS AND HOMEOWNERS, AND LOANS TO SPONSORS OF LOW- AND MODERATE-INCOME HOUSING
REAL ESTATE SETTLEMENT PROCEDURES ACT OF 1974
UNIFORM SETTLEMENT STATEMENT
[Struck out->][ SPECIAL ][<-Struck out] HOME BUYING INFORMATION BOOKLETS
SERVICING OF MORTGAGE LOANS AND ADMINISTRATION OF ESCROW ACCOUNTS
FINANCIAL INSTITUTIONS REFORM, RECOVERY, AND ENFORCEMENT ACT OF 1989
SECTION 1. SHORT TITLE; TABLE OF CONTENTS.
TITLE XI--REAL ESTATE APPRAISAL REFORM AMENDMENTS
SEC. 1101. PURPOSE.
SEC. 1103. FUNCTIONS OF APPRAISAL SUBCOMMITTEE.
SEC. 1104. CHAIRPERSON OF APPRAISAL SUBCOMMITTEE; TERM OF CHAIRPERSON; MEETINGS.
SEC. 1106. POWERS OF APPRAISAL SUBCOMMITTEE.
SEC. 1109. ROSTER OF STATE CERTIFIED OR LICENSED APPRAISERS; AUTHORITY TO COLLECT AND TRANSMIT FEES.
SEC. 1112. FUNCTIONS OF THE FEDERAL FINANCIAL INSTITUTIONS REGULATORY AGENCIES RELATING TO APPRAISER QUALIFICATIONS.
SEC. 1113. TRANSACTIONS REQUIRING THE SERVICES OF A STATE CERTIFIED APPRAISER.
SEC. 1116. CERTIFICATION AND LICENSING REQUIREMENTS.
SEC. 1117. ESTABLISHMENT OF STATE APPRAISER CERTIFYING AND LICENSING AGENCIES.
SEC. 1118. MONITORING OF STATE APPRAISER CERTIFYING AND LICENSING AGENCIES.
SEC. 1119. RECOGNITION OF STATE CERTIFIED AND LICENSED APPRAISERS FOR PURPOSES OF THIS TITLE.
SEC. 1121. DEFINITIONS.
SEC. 1122. MISCELLANEOUS PROVISIONS.
SEC. 1124. APPRAISAL MANAGEMENT COMPANY MINIMUM QUALIFICATIONS.
SEC. 1125. AUTOMATED VALUATION MODELS USED TO VALUE CERTAIN MORTGAGES.
SEC. 1126. BROKER PRICE OPINIONS.
FEDERAL FINANCIAL INSTITUTIONS EXAMINATION COUNCIL ACT OF 1978
TITLE X--FEDERAL FINANCIAL INSTITUTIONS EXAMINATION COUNCIL
SEC. 1011. ESTABLISHMENT OF APPRAISAL SUBCOMMITTEE.
EQUAL CREDIT OPPORTUNITY ACT
Sec. 701. Prohibited discrimination; reasons for adverse action
DISSENTING VIEWS
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