Housing Finance And Home Ownership
US Congress 114th Congress
Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2017 [HB-5394]
[Transportation and Motor Vehicles ]
[Housing ]
[Infrastructure ]
[Budget and Spending ]
[Community Development ]
Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2017 Provides FY2017 appropriations to the Department of Transportation (DOT), the Department of Housing and Urban Development (HUD), and several related agencies. Department of Transportation Appropriations Act, 2017 Provides appropriations to DOT for: the Office of the Secretary, the Federal Aviation Administration, the Federal Highway Administration, the Federal Motor Carrier Safety Administration, the National Highway Traffic Safety Administration, the Federal
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Sponsored by: Rep. Mario Diaz-Balart
The House Committee On Appropriations Reported An Original Measure, H. Rept. 114-606, By Mr. Diaz-balart. on 06/07/2016
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Legislative Branch Appropriations Act, 2017 [HB-5325]
[Defense ]
[Veterans ]
[Military ]
[Budget and Spending ]
[Healthcare ]
[Construction ]
[Transportation and Motor Vehicles ]
[Disaster Relief ]
[Economic Development ]
[Public Health ]
[National Security ]
[Funding ]
Legislative Branch Appropriations Act, 2017 (Sec. 3) Specifies that references to "this Act" included in any division refer only to the provisions of the division unless the bill expressly provides otherwise. (Sec. 4) Specifies that the sums in this bill are appropriated out of any money in the Treasury not otherwise appropriated for FY2017. (Sec. 5) Specifies that each amount in this bill designated by Congress as an emergency requirement is contingent on the President also designating all of the emergency amounts and transmitting the designations
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Sponsored by: Rep. Tom Graves
Presented To President. on 09/29/2016
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Seller Finance Enhancement Act [HB-5301]
[Finance ]
[Real Estate ]
[Housing ]
[Consumer Protection ]
[Small Business ]
[Insurance ]
[Property Tax ]
Seller Finance Enhancement Act This bill amends the S.A.F.E. Mortgage Licensing Act of 2008 to exempt from certain licensing and registration requirements any person (other than a depository institution) who: (1) originates not more than 24 residential mortgage loans in a 12-month period, and (2) only originates residential mortgage loans for property owned by that person. For determining whether a residential mortgage loan meets minimum standards, the Truth in Lending Act is amended to prohibit the application to loans originated by such a person
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Sponsored by: Rep. Bobby Rush
Introduced In House on 05/19/2016
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Comprehensive Consumer Credit Reporting Reform Act of 2016 [HB-5282]
[Consumer Protection ]
[Data Privacy ]
[Finance ]
[Technology and Innovation ]
Comprehensive Consumer Credit Reporting Reform Act of 2016 This bill amends the Fair Credit Reporting Act to revise requirements for reinvestigations of disputed information by a consumer reporting agency (CRA), establishing a new right to appeal, free of charge, completed disputes adverse to the consumer. The bill prescribes requirements for: dispute procedures for furnishers of information and CRAs, as well as meaningful disclosures to consumers about investigations and reinvestigations; and CRA action when notified of inaccurate or incomplete
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Sponsored by: Rep. Eleanor Norton
Introduced In House on 05/19/2016
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Jumpstart HOUSE Act of 2016 Jumpstart Housing Opportunities Utilizing Small Enterprises Act of 2016 [HB-5144]
[Housing ]
[Small Business ]
[Finance ]
[Community Development ]
[Construction ]
[Budget and Spending ]
[Economic Development ]
Jumpstart HOUSE Act of 2016 Jumpstart Housing Opportunities Utilizing Small Enterprises Act of 2016 This bill amends the State Small Business Credit Initiative Act of 2010 to extend for an additional eight fiscal years the State Small Business Credit Initiative to assist participating states to give collateral support and other innovative credit access and guarantee initiatives for small businesses and manufacturers. The bill also prescribes allocations of federal funds to participating states. The Department of the Treasury may award, on a competitive
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Sponsored by: Rep. Joyce Beatty
Introduced In House on 04/29/2016
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Zombie Property Relief Act of 2016 [HB-5108]
[Consumer Protection ]
[Housing ]
[Real Estate ]
[Finance ]
[Law Enforcement ]
[Public Safety ]
Zombie Property Relief Act of 2016 This bill authorizes the Consumer Financial Protection Bureau (CFPB) to assess a specified fine against a mortgagee that has failed to maintain residential real property that is subject to a federally-related mortgage in foreclosure (nuisance property) until ownership has been transferred to a new owner and the deed for such property transfer has been recorded. The CFPB shall establish a system for reporting the existence of nuisance properties.
Sponsored by: Rep. John Conyers
Introduced In House on 04/28/2016
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Home Mortgage Disclosure Adjustment Act [HB-4997]
[Finance ]
[Housing ]
[Real Estate ]
[Consumer Protection ]
[Small Business ]
Home Mortgage Disclosure Adjustment Act This bill amends the Home Mortgage Disclosure Act of 1975 to exempt from maintenance of mortgage loan records and disclosure requirements depository institutions that have originated in each of the two preceding calendar years: fewer than 100 closed-end mortgage loans, and fewer than 200 open-end lines of credit.
Sponsored by: Rep. Tom Emmer
Introduced In House on 04/20/2016
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Homeowner Information Privacy Protection Act [HB-4993]
[Data Privacy ]
[Consumer Protection ]
[Finance ]
[Housing ]
[Real Estate ]
Homeowner Information Privacy Protection Act This bill directs the Government Accountability Office to study whether the data required to be published, made available, or disclosed under the final rule of the Consumer Financial Protection Bureau (CFPB), entitled "Home Mortgage Disclosure (Regulation C)," in connection with other publicly available data sources, could allow for or increase the probability of: exposure of the identity of mortgage applicants or mortgagors through reverse engineering; exposure of mortgage applicants or mortgagors to
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Sponsored by: Rep. Garland Barr
Introduced In House on 04/19/2016
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Military Construction and Veterans Affairs and Related Agencies Appropriations Act, 2017 [HB-4974]
[Defense ]
[Infrastructure ]
[Real Estate ]
[Budget and Spending ]
[Construction ]
[Veterans ]
[Healthcare ]
[Military ]
[National Security ]
[Funding ]
[Grants ]
[Public Safety ]
Military Construction and Veterans Affairs and Related Agencies Appropriations Act, 2017 TITLE I--DEPARTMENT OF DEFENSE Provides appropriations to DOD for Military Construction for: the Army; the Navy and Marine Corps; the Air Force; Defense-Wide agencies and activities (other than military departments); the Army and Air National Guard; and the Army, Navy, and Air Force Reserves. Provides appropriations to DOD for the North Atlantic Treaty Organization (NATO) Security Investment Program. Provides appropriations to DOD for Construction and Operation
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Sponsored by: Rep. Charles Dent
Received In The Senate. Read Twice. Placed On Senate Legislative Calendar Under General Orders. Calendar No. 503. on 05/26/2016
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Natural Disaster Reinsurance Act of 2016 [HB-4947]
[Insurance ]
[Disaster Relief ]
[Funding ]
[Public Safety ]
[Housing ]
[Consumer Protection ]
Natural Disaster Reinsurance Act of 2016 This bill directs the Department of the Treasury to establish the National Commission on Catastrophe Preparation and Protection to advise it regarding estimated loss costs associated with contracts for reinsurance coverage. Treasury may make homeowners protection coverage available through contracts for reinsurance coverage. Only eligible state programs may purchase such coverage. Each contract for reinsurance coverage shall furnish insurance coverage against residential property losses to homes, including
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Sponsored by: Rep. David Jolly
Introduced In House on 04/14/2016
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Housing Finance Restructuring Act of 2016 [HB-4913]
[Finance ]
[Housing ]
[Real Estate ]
[Budget and Spending ]
[Consumer Protection ]
Housing Finance Restructuring Act of 2016 This bill directs the Department of the Treasury to modify the Senior Preferred Stock Purchase Agreement for each of the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac) (enterprises) to: reduce to zero (deem as repaid in full) the liquidation preference on the Variable Liquidation Preference Senior Preferred Stocks of each enterprise; require redemption of the Variable Liquidation Preference Senior Preferred Stock of each enterprise upon a specified
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Sponsored by: Rep. Ann Wagner
Introduced In House on 04/12/2016
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Rural Housing Preservation Act of 2016 [HB-4908]
[Housing ]
[Agriculture ]
[Funding ]
[Grants ]
[Property Tax ]
[Real Estate ]
[Poverty ]
[Senior Citizens ]
[Community Development ]
Rural Housing Preservation Act of 2016 This bill amends the Housing Act of 1949 to direct the Department of Agriculture (USDA) to extend rural housing vouchers to any low-income household (including those not receiving rental assistance) residing in a property financed with a loan made or insured for housing and related facilities for elderly or other low-income persons and families which has been prepaid, or which has matured, after September 30, 2005. No owner of a property financed with such a loan, whether outstanding or fully paid, may refuse
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Sponsored by: Rep. Ann Kuster
Introduced In House on 04/12/2016
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Risk Management and Homeowner Stability Act of 2016 [HB-4893]
[Finance ]
[Housing ]
[Real Estate ]
[Budget and Spending ]
[Insurance ]
Risk Management and Homeowner Stability Act of 2016 This bill amends the Congressional Budget Act of 1974 to prohibit the chairs of the congressional budget committees from counting increases to guarantee fees as offsets for budget enforcement purposes. The bill includes an exception for legislation that increases guarantee fees to finance reforms to the secondary mortgage market. (Guarantee fees are charged by enterprises, such as the Federal National Mortgage Association [Fannie Mae] and the Federal Home Loan Mortgage Corporation [Freddie Mac],
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Sponsored by: Rep. Barbara Lee
Introduced In House on 04/11/2016
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Housing America's Workforce Act of 2015 [HB-480]
[Housing ]
[Taxes ]
[Small Business ]
[Grants ]
[Nonprofit ]
[Community Development ]
[Labor, Jobs, Employment ]
[Funding ]
[Economic Development ]
Housing America's Workforce Act of 2015 Amends the Internal Revenue Code to allow employers a business-related tax credit for up to 50% (100% for small business employers) of the qualified housing expenses paid for the benefit of their employees. Defines "qualified housing expenses" to include homeownership assistance and rental assistance. Limits the amount of such credit to the lesser of $10,000 or 6% of an employee's home purchase price, or up to $5,000 for rental assistance. Excludes from employee gross income the value of employer-paid housing
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Sponsored by: Rep. Nydia Velazquez
Introduced In House on 01/22/2015
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HOME Act Helping Our Middle-Income Earners Act [HB-4696]
[Housing ]
[Taxes ]
[Real Estate ]
[Property Tax ]
HOME Act Helping Our Middle-Income Earners Act This bill amends the Internal Revenue Code to allow individual taxpayers an income-based tax deduction, up to $5,000, for qualified homeowners association assessments paid during the taxable year. The bill defines "qualified homeowners association assessments" as regularly occurring, mandatory financial assessments: (1) that are paid by a taxpayer to a homeowners association for the taxpayer's principal residence, (2) that directly benefit such residence, and (3) that arise from the taxpayer's mandatory
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Sponsored by: Rep. Barbara Comstock
Introduced In House on 03/03/2016
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Right to Rent Act of 2016 [HB-4623]
[Housing ]
[Real Estate ]
[Consumer Protection ]
[Property Tax ]
Right to Rent Act of 2016 This bill grants eligible mortgagors subject to foreclosure proceedings the right to continue to occupy foreclosed properties subject to the payment of fair market rent for a period of five years that begins upon the commencement of occupancy of such property. The Department of Housing and Urban Development shall: (1) monitor compliance with this Act, (2) provide assistance to eligible mortgagors in exercising their rights under this Act, and (3) conduct outreach activities to inform eligible mortgagors of this Act.
Sponsored by: Rep. Raul Grijalva
Introduced In House on 02/25/2016
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Renters Fairness and Equality Act [HB-4494]
[Housing ]
[Taxes ]
[Real Estate ]
Renters Fairness and Equality Act This bill amends the Internal Revenue Code to allow a tax deduction of all rent paid paid or accrued on the principal residence of a taxpayer, but denies such deduction if the assessed or appraised value of the residence exceeds $1 million.
Sponsored by: Rep. Alan Grayson
Introduced In House on 02/08/2016
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Article I Consolidated Appropriations Amendments, 2016 [HB-4371]
[Air Quality ]
[Environmental ]
[Finance ]
[Healthcare ]
[Housing ]
[Immigration ]
[Public Lands and National Parks ]
[Taxes ]
[Transportation and Motor Vehicles ]
[Water ]
[Consumer Protection ]
[Funding ]
[Law Enforcement ]
[Public Safety ]
[Retirement ]
Article I Consolidated Appropriations Amendments, 2016 This bill amends the Consolidated Appropriations Act, 2016 to restrict federal agencies from using appropriations for certain activities. The bill includes restrictions that affect policy and regulations in areas, including: tobacco products, greenhouse gas emissions, fisheries, exports to Cuba, endangered species, water and air quality, hydraulic fracturing, limits on truck size, housing discrimination, fiduciary standards for providing investment advice for pension and retirement plans, determinations
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Sponsored by: Rep. Alexander Mooney
Referred To The Subcommittee On Water, Power And Oceans. on 01/19/2016
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Foreclosure Relief and Extension for Servicemembers Act of 2015 [HB-4252]
[Veterans ]
[Housing ]
[Real Estate ]
[Military ]
[Consumer Protection ]
Foreclosure Relief and Extension for Servicemembers Act of 2015 This bill amends the Honoring America's Veterans and Caring for Camp Lejeune Families Act of 2012 to extend through 2017 the one-year period after a service member's military service during which: (1) a court may stay proceedings to enforce an obligation on real or personal property owned by the service member before such military service; and (2) any sale, foreclosure, or seizure of such property shall be invalid without a court order or waiver agreement signed by the service member.
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Sponsored by: Rep. Denny Heck
Referred To The Subcommittee On Economic Opportunity. on 12/16/2015
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Credit Score Competition Act of 2015 [HB-4211]
[Finance ]
[Housing ]
[Consumer Protection ]
Credit Score Competition Act of 2015 This bill amends the Federal National Mortgage Association Charter Act to authorize the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac) (government sponsored enterprises, or GSEs) to use credit scores in purchasing residential mortgages only under certain conditions, including that the GSE has established and made publicly available a description of the process it will use to validate and approve credit scoring models. The Director of the Federal
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Sponsored by: Rep. Gregory Meeks
Hearings Held By The Subcommittee On Financial Institutions And Consumer Credit Prior To Referral. on 09/27/2016