THIS SEARCH     THIS DOCUMENT     GO TO
Next Hit        Forward           New Bills Search
Prev Hit        Back              HomePage
Hit List        Best Sections     Help
                Contents Display

	GPO's PDF Display	References to this bill in the Congressional Record	Link to the Bill Summary & Status file.	Printer Friendly Display - 149,741 bytes. [Help]

H.R.1295

Responsible Lending Act (Introduced in House)

Beginning
March 15, 2005

SECTION 1. SHORT TITLE.

Sec. 1. Short title.

Sec. 2. Table of contents. TITLE I--HIGHER-COST MORTGAGES

SEC. 101. SHORT TITLE.

SEC. 102. DEFINITIONS RELATING TO HIGHER-COST MORTGAGES.

SEC. 103. AMENDMENTS TO REQUIREMENTS FOR HIGHER-COST MORTGAGES.

SEC. 104. AMENDMENTS RELATING TO DISPUTE AND ERROR RESOLUTION.

SEC. 105. AMENDMENTS TO DAMAGES, RESCISSION AND LIABILITY PROVISIONS.

SEC. 106. COORDINATION WITH STATE LAW.

SEC. 107. CLARIFICATION OF STATE ENFORCEMENT AUTHORITY.

SEC. 108. PREPAYMENT PENALTIES AND LATE CHARGES.

`Sec. 129A. Prepayment penalties and late charges

SEC. 109. REGULATIONS.

SEC. 110. EFFECTIVE DATES. TITLE II--HOUSING COUNSELING
Subtitle A--Consumer Counseling

SEC. 201. CONSUMER COUNSELING REQUIREMENTS. Subtitle B--Expanded Housing Counseling Opportunities

SEC. 211. SHORT TITLE.

SEC. 212. ESTABLISHMENT OF OFFICE OF HOUSING COUNSELING.

SEC. 213. COUNSELING PROCEDURES.

SEC. 214. GRANTS FOR HOUSING COUNSELING ASSISTANCE.

SEC. 215. REQUIREMENTS TO USE HUD-CERTIFIED COUNSELORS UNDER HUD PROGRAMS.

SEC. 216. STUDY OF DEFAULTS AND FORECLOSURES.

SEC. 217. DEFINITIONS FOR COUNSELING-RELATED PROGRAMS.

SEC. 218. UPDATING AND SIMPLIFICATION OF MORTGAGE INFORMATION BOOKLET.

SEC. 219. OPTION FOR NOTICE OF FORECLOSURE PREVENTION COUNSELING AVAILABILITY. TITLE III--MORTGAGE SERVICING

SEC. 301. ESCROW AND IMPOUND ACCOUNTS RELATING TO CERTAIN CONSUMER CREDIT TRANSACTIONS.

`SEC. 129B. ESCROW OR IMPOUND ACCOUNTS RELATING TO CERTAIN CONSUMER CREDIT TRANSACTIONS.

SEC. 302. DISCLOSURE NOTICE REQUIRED FOR CONSUMERS WHO OPT OUT OF ESCROW SERVICES.

SEC. 303. MORTGAGE SERVICING CLARIFICATION.

`Sec. 818. Mortgage servicer exemption

SEC. 304. REAL ESTATE SETTLEMENT PROCEDURES ACT OF 1974 AMENDMENTS.

SEC. 305. MORTGAGE SERVICING STUDIES REQUIRED. TITLE IV--APPRAISAL ACTIVITIES

SEC. 401. PROPERTY APPRAISAL REQUIREMENTS.

SEC. 402. AMENDMENTS RELATING TO APPRAISAL SUBCOMMITTEE OF FIEC, APPRAISER INDEPENDENCE, AND APPROVED APPRAISER EDUCATION.

SEC. 403. STUDY REQUIRED ON IMPROVEMENTS IN APPRAISAL PROCESS AND COMPLIANCE PROGRAMS. TITLE V--REQUIREMENTS FOR MORTGAGE BROKERS
Subtitle A--Licensing and Minimum Standards

SEC. 501. STATE REGULATION OF MORTGAGE BROKERS.

SEC. 502. FEDERAL MORTGAGE BROKER REQUIREMENTS.

SEC. 503. DEFINITIONS. Subtitle B--Database of Licensed Mortgage Brokers

SEC. 511. ESTABLISHMENT.

SEC. 512. DATABASE.

SEC. 513. FEES.

SEC. 514. CONFIDENTIALITY OF INFORMATION.

SEC. 515. LIABILITY PROVISIONS.

THIS SEARCH     THIS DOCUMENT     GO TO
Next Hit        Forward           New Bills Search
Prev Hit        Back              HomePage
Hit List        Best Sections     Help
                Contents Display