H.R. 3915: 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. H.R. 3915: Mortgage Reform and Anti-Predatory Lending Act of 2007 Referred to the House Committee on Financial Services. 2007-10-22 Committee Consideration and Mark-up Session Held. 2007-11-06 Ordered to be Reported (Amended) by Voice Vote. 2007-11-06 Reported (Amended) by the Committee on Financial Services. H. Rept. 110-441. 2007-11-09T15:55:00-05:00 Placed on the Union Calendar, Calendar No. 272. 2007-11-09T15:55:00-05:00 Rules Committee Resolution H. Res. 825 Reported to House. Rule provides for consideration of H.R. 3915 with 1 hour of general debate. Previous question shall be considered as ordered without intervening motions except motion to recommit with or without instructions. Measure will be considered read. Specified amendments are in order. It shall be in order to consider as an original bill for the purpose of amendment under the five-minute rule the amendment in the nature of a substitute recommended by the Committee on Financial Services now printed in the bill. 2007-11-14T19:25:00-05:00 Rule H. Res. 825 passed House. 2007-11-15T11:36:00-05:00 ORDER OF PROCEDURE - Mr. Frank asked unanimous consent that during consideration of H.R. 3915 pursuant to H. Res. 825, the Chair may reduce to two minutes the minimum time for electronic voting under clause 6 of rule 18 and clauses 8 and 9 of rule 20. Agreed to without objection. 2007-11-15T11:51:00-05:00 Considered under the provisions of rule H. Res. 825. 2007-11-15T11:52:00-05:00 Rule provides for consideration of H.R. 3915 with 1 hour of general debate. Previous question shall be considered as ordered without intervening motions except motion to recommit with or without instructions. Measure will be considered read. Specified amendments are in order. It shall be in order to consider as an original bill for the purpose of amendment under the five-minute rule the amendment in the nature of a substitute recommended by the Committee on Financial Services now printed in the bill. 2007-11-15T11:52:00-05:00 House resolved itself into the Committee of the Whole House on the state of the Union pursuant to H. Res. 825 and Rule XVIII. 2007-11-15T11:52:00-05:00 The Speaker designated the Honorable Dennis A. Cardoza to act as Chairman of the Committee. 2007-11-15T11:52:00-05:00 GENERAL DEBATE - The Committee of the Whole proceeded with one hour of general debate on H.R. 3915. 2007-11-15T11:53:00-05:00 DEBATE - Pursuant to the provisions of H.Res. 825, the Committee of the Whole proceeded with ten minutes of debate on the Frank (MA) amendment. 2007-11-15T13:06:00-05:00 DEBATE - Pursuant to the provisions of H.Res. 825, the Committee of the Whole proceeded with ten minutes of debate on the Kanjorski amendment. 2007-11-15T13:19:00-05:00 Mr. Frank (MA) moved to rise. 2007-11-15T13:30:00-05:00 On motion to rise Agreed to by voice vote. 2007-11-15T13:30:00-05:00 Committee of the Whole House on the state of the Union rises leaving H.R. 3915 as unfinished business. 2007-11-15T13:30:00-05:00 Considered as unfinished business. 2007-11-15T13:31:00-05:00 The House resolved into Committee of the Whole House on the state of the Union for further consideration. 2007-11-15T13:32:00-05:00 DEBATE - Pursuant to the provisions of H.Res. 825, the Committee of the Whole proceeded with ten minutes of debate on the Maloney amendment. 2007-11-15T13:34:00-05:00 DEBATE - Pursuant to the provisions of H.Res. 825, the Committee of the Whole proceeded with ten minutes of debate on the Watt amendment. 2007-11-15T13:42:00-05:00 POSTPONED PROCEEDINGS - At the conclusion of debate on the Watt amendment, the Chair put the question on adoption of the amendment and by voice vote, annnounced that the ayes had prevailed. Mr. Bachus demanded a recorded vote and the Chair postponed further proceedings on the question of adoption of the amendment until later in the legislative day. 2007-11-15T13:54:00-05:00 DEBATE - Pursuant to the provisions of H.Res. 825, the Committee of the Whole proceeded with ten minutes of debate on the Price (GA) amendment. 2007-11-15T13:55:00-05:00 POSTPONED PROCEEDINGS - At the conclusion of debate on the Price (GA) amendment, the Chair put the question on adoption of the amendment and by voice vote, annnounced that the noes had prevailed. Mr. Price (GA) demanded a recorded vote and the Chair postponed further proceedings on the question of adoption of the amendment until later in the legislative day. 2007-11-15T14:05:00-05:00 Mr. Frank (MA) moved to rise. 2007-11-15T14:31:00-05:00 On motion to rise Agreed to by voice vote. 2007-11-15T14:32:00-05:00 Committee of the Whole House on the state of the Union rises leaving H.R. 3915 as unfinished business. 2007-11-15T14:32:00-05:00 Considered as unfinished business. 2007-11-15T15:19:00-05:00 The House resolved into Committee of the Whole House on the state of the Union for further consideration. 2007-11-15T15:19:00-05:00 DEBATE - Pursuant to the provisions of H.Res. 825, the Committee of the Whole proceeded with ten minutes of debate on the Watt amendment. 2007-11-15T15:20:00-05:00 DEBATE - Pursuant to the provisions of H.Res. 825, the Committee of the Whole proceeded with ten minutes of debate on the Putnam amendment. 2007-11-15T15:32:00-05:00 DEBATE - Pursuant to the provisions of H.Res. 825, the Committee of the Whole proceeded with ten minutes of debate on the Watt amendment. 2007-11-15T15:39:00-05:00 DEBATE - Pursuant to the provisions of H.Res. 825, the Committee of the Whole proceeded with ten minutes of debate on the Hensarling amendment. 2007-11-15T15:45:00-05:00 DEBATE - Pursuant to the provisions of H.Res. 825, the Committee of the Whole proceeded with ten minutes of debate on the Watt amendment. 2007-11-15T15:50:00-05:00 DEBATE - Pursuant to the provisions of H.Res. 825, the Committee of the Whole proceeded with ten minutes of debate on the Meeks (NY) amendment. 2007-11-15T15:57:00-05:00 DEBATE - Pursuant to the provisions of H.Res. 825, the Committee of the Whole proceeded with ten minutes of debate on the Brown-Waite (FL) amendment. 2007-11-15T16:02:00-05:00 DEBATE - Pursuant to the provisions of H.Res. 825, the Committee of the Whole proceeded with ten minutes of debate on the Garrett (NJ) amendment. 2007-11-15T16:10:00-05:00 POSTPONED PROCEEDINGS - At the conclusion of debate on the Garrett (NJ) amendment, the Chair put thequestion on adoption of the amendment and by voice vote, annnounced that the noes had prevailed. Mr. Garrett (NJ) demanded a recorded vote and the Chair postponed further proceedings on the question of adoption of the amendment until later in the legislative day. 2007-11-15T16:22:00-05:00 DEBATE - Pursuant to the provisions of H.Res. 825, the Committee of the Whole proceeded with ten minutes of debate on the Frank (MA) amendment. 2007-11-15T16:23:00-05:00 DEBATE - Pursuant to the provisions of H.Res. 825, the Committee of the Whole proceeded with ten minutes of debate on the Al Green amendment. 2007-11-15T16:29:00-05:00 DEBATE - Pursuant to the provisions of H.Res. 825, the Committee of the Whole proceeded with ten minutes of debate on the McHenry amendment. 2007-11-15T16:36:00-05:00 POSTPONED PROCEEDINGS - At the conclusion of debate on the McHenry amendment, the Chair put the question on adoption of the amendment and by voice vote, annnounced that the noes had prevailed. Mr. McHenry demanded a recorded vote and the Chair postponed further proceedings on the question of adoption of the amendment until later in the legislative day. 2007-11-15T16:47:00-05:00 DEBATE - Pursuant to the provisions of H.Res. 825, the Committee of the Whole proceeded with ten minutes of debate on the Van Hollen amendment. 2007-11-15T16:48:00-05:00 DEBATE - Pursuant to the provisions of H.Res. 825, the Committee of the Whole proceeded with ten minutes of debate on the Sutton amendment. 2007-11-15T16:52:00-05:00 The House rose from the Committee of the Whole House on the state of the Union to report H.R. 3915. 2007-11-15T17:33:00-05:00 The previous question was ordered pursuant to the rule. 2007-11-15T17:33:00-05:00 The House adopted the amendment in the nature of a substitute as agreed to by the Committee of the Whole House on the state of the Union. 2007-11-15T17:34:00-05:00 Mrs. Blackburn moved to recommit with instructions to Financial Services. 2007-11-15T17:35:00-05:00 DEBATE - The House proceeded with 10 minutes of debate on the Blackburn motion to recommit with instructions. The instructions contained in the motion seek to report the same back to the House forthwith with the following amendments inserting a new subsection on approved identification to obtain a residential mortgage loan and technical corrections. 2007-11-15T17:35:00-05:00 The previous question on the motion to recommit with instructions was ordered without objection. 2007-11-15T17:47:00-05:00 On motion to recommit with instructions Failed by recorded vote: 188 - 231 (Roll no. 1117). 2007-11-15T18:04:00-05:00 pass On passage Passed by the Yeas and Nays: 291 - 127 (Roll no. 1118). 2007-11-15T18:11:00-05:00 The Clerk was authorized to correct section numbers, punctuation, and cross references, and to make other necessary technical and conforming corrections in the engrossment of H.R. 3915. 2007-11-15T18:12:00-05:00 Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. 2007-12-03 H.R. 3915: Mortgage Reform and Anti-Predatory Lending Act of 2007 h H.R. 3915: Mortgage Reform and Anti-Predatory Lending Act of 2007 (110th Congress) Mortgage Reform and Anti-Predatory Lending Act of 2007 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. 2007-10-22 110 2007-10-22 3915 vote HouseBill LegislativeAction VoteAction OfficialTitle ShortTitle