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115th Congress > House > Vote 673

Date: December 12, 2017

Result: 190-233 (Failed)

Clerk session vote number: 674

Sponsor: TENNEY, Claudia (R-NY)

Bill number: HR3971

Question: On Motion to Recommit with Instructions

Description: Community Institution Mortgage Relief Act of 2017

Bill summary: Community Institution Mortgage Relief Act of 2017 (Sec. 2) This bill amends the Truth in Lending Act to create a safe harbor from requirements for an escrow or impound account for the payment of taxes and hazard insurance in the case of mortgage loans made by a creditor with consolidated assets of $10 billion or less that holds the loan on its balance sheet for three years after its origination. A creditor shall be deemed to have complied with the three-year balance sheet requirement if it transfers a loan by reason of its bankruptcy or failure, the purchase of it by another, or by a supervisory act or recommendation from a state or federal regulator. The Consumer Financial Protection Bureau is required to exempt mortgage servicers that service 20,000 or fewer mortgage loans from requirements of the Real Estate Settlement Procedures Act of 1974 pertaining to the servicing of mortgage loans and administration of escrow accounts.

Bill titles: To amend the Truth in Lending Act and the Real Estate Settlement Procedures Act of 1974 to modify the requirements for community financial institutions with respect to certain rules relating to mortgage loans, and for other purposes.

Links for more info on the vote: congress.gov

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Member Vote Map

Note: This map combines minor parties to increase visual clarity. Click here to view all parties separately.

Vote Ideological Breakdown

This chart describes how members voted on the rollcall. Members are placed according to their NOMINATE ideological scores. A cutting line divides the vote into those expected to vote "Yea" and those expected to vote "Nay". The shaded heatmap reflects the expected probability of voting "Yea". You can select points or regions to subset the members listed above and below.

Votes

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Selected: of from including with NOMINATE scores within .