2005-03-15 H.R. 1295: Responsible Lending Act 2005-03-15 H.R. 1295: Responsible Lending Act Public contracts Administrative procedure Standards Data banks Federal advisory bodies Consumer protection Consumer education Fines (Penalties) Fraud Government paperwork Budgets Business Congress Congressional reporting requirements Depreciation and amortization Executive departments Fees Government contractors Government information Taxation Damages Emergency management Governmental investigations Law Social services Technology Finance Licenses Restrictive trade practices State and local government Counseling Executive reorganization Federal officials Government employees Consumer credit Telecommunication Limitation of actions Trusts and trustees Criminal justice Computer software Consumers Compensation (Law) Congressional investigations Bribery State laws Housing Housing finance Property insurance Actions and defenses Federal aid to housing Home ownership Rental housing Insurance premiums Right of privacy Debtor and creditor Evidence (Law) Interest Mortgages Telephone User charges Conflict of interests Confidential communications Legal fees Foreclosure Government publicity Nonprofit organizations Civil liberties Government publications Surveys Judicial review Commercial arbitration Bank accounts Financial statements Interstate relations Liability (Law) Department of Housing and Urban Development Home equity conversion Home repair and improvement Mortgage guaranty insurance Contracts Class actions (Civil procedure) Real estate appraisal Federal reserve system Extortion Property tax Mortgage banks Disaster insurance Finance charges Consumer complaints Contractors Loan defaults Mortgage interest rates Settlement costs Credit insurance Home improvement loans Public meetings Federal preemption Performance measurement Internet Web sites Electronic government information introduced H.R. 1295: 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. Referred to the House Committee on Financial Services. 2005-03-15 Referred to the Subcommittee on Financial Institutions and Consumer Credit. 2005-05-13 Referred to the Subcommittee on Housing and Community Opportunity. 2005-05-13 Sponsor introductory remarks on measure. (CR H5182) 2005-06-27 H.R. 4471: Fair and Responsible Lending Act (109th Congress) H.R. 4471: Fair and Responsible Lending Act 109 H.R. 1295: Responsible Lending Act (109th Congress) 1295 h Responsible Lending Act Expanding Housing Opportunities Through Education and Counseling Act Mortgage Lending Improvements and Uniform National Standards 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. HouseBill LegislativeAction OfficialTitle ShortTitle