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Latest Update: Tuesday, October, 07th 2008
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. 11/15/2007--Passed House amended. (There are 2 other summaries) Mortgage Reform and Anti-Predatory Lending Act of 2007 - Title I: Residential Mortgage Loan Origination - Subtitle A: Licensing System for Residential Mortgage Loan Originators - Encourages the states, through the Conference of State Bank Supervisors and the American Association of Residential Mortgage Regulators, to establish a Nationwide Mortgage Licensing System and Registry (NMLSR) for the residential mortgage industry. (Sec. 103) Includes among licensing and registration requirements that a loan origination business obtain: (1) a unique identifier; and (2) instruction on [...] show full description
- 12/03/2007 - Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
- 11/15/2007 - H.AMDT.899 Amendment (A002) offered by Mr. Frank (MA). (consideration: CR H14005-14006) Amendment makes a number of technical and conforming changes as well as enhancemen ts to the bill including the following: (1) clarifies the definition of loan originator; (2) narrows the scope of the preemption provision to make it clear that states cannot use or adopt state laws against securitizers/assignees for violations of the national standards or to impose remedies outside of the unique Federal remedy established in the bill, and to make it clear that actions for fraud, misrepresentation, deception, false advertising or civil rights laws are not preempted; (3) clarifies the registration requirements for the Nationwide Mortgage Licensing System and Registry; (4) allows consumers to obtain a cure from assignee or securitizer if creditor or other assignees cease to exist or go bankrupt; (5) clarifies the incentive compensation provision; and (6) adds a monthly disclosure requirement for mortgages.
- 11/15/2007 - H.AMDT.900 Amendment (A003) offered by Mr. Kanjorski. (consideration: CR H14006-14011; text: CR H14006-14010) Amendment to better consumer protection by improving mortgage servicing, protecting appraiser independence, ensuring better appraisal quality and regulatory oversight, requiring escrows for mortgages for borrowers who might experience difficulty with repayment, and establishing disclosure for consumers who waive escrow accounts.
- 11/15/2007 - H.AMDT.901 Amendment (A004) offered by Mrs. Maloney (NY). (consideration: CR H14011-14013; text: CR H14012) Amendment requires a borrower to receive the option of a mortgage without a prepayment penalty, if they are offered an amendment with a prepayment penalty. Sets the maximum time for a prepayment penalty of 3 years and a maximum prepayment amount of 3% of the loan for the first year, 2% for the second year and 1% for the third year.
- 11/15/2007 - H.AMDT.902 Amendment (A005) offered by Mr. Watt. (consideration: CR H14013-14014, H14015-14016; text: CR H14013) Amendment sought to allow for actual damages in the liability section.
show all actions- 12/03/2007 - Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
- 11/15/2007 - H.AMDT.899 Amendment (A002) offered by Mr. Frank (MA). (consideration: CR H14005-14006) Amendment makes a number of technical and conforming changes as well as enhancemen ts to the bill including the following: (1) clarifies the definition of loan originator; (2) narrows the scope of the preemption provision to make it clear that states cannot use or adopt state laws against securitizers/assignees for violations of the national standards or to impose remedies outside of the unique Federal remedy established in the bill, and to make it clear that actions for fraud, misrepresentation, deception, false advertising or civil rights laws are not preempted; (3) clarifies the registration requirements for the Nationwide Mortgage Licensing System and Registry; (4) allows consumers to obtain a cure from assignee or securitizer if creditor or other assignees cease to exist or go bankrupt; (5) clarifies the incentive compensation provision; and (6) adds a monthly disclosure requirement for mortgages.
- 11/15/2007 - H.AMDT.900 Amendment (A003) offered by Mr. Kanjorski. (consideration: CR H14006-14011; text: CR H14006-14010) Amendment to better consumer protection by improving mortgage servicing, protecting appraiser independence, ensuring better appraisal quality and regulatory oversight, requiring escrows for mortgages for borrowers who might experience difficulty with repayment, and establishing disclosure for consumers who waive escrow accounts.
- 11/15/2007 - H.AMDT.901 Amendment (A004) offered by Mrs. Maloney (NY). (consideration: CR H14011-14013; text: CR H14012) Amendment requires a borrower to receive the option of a mortgage without a prepayment penalty, if they are offered an amendment with a prepayment penalty. Sets the maximum time for a prepayment penalty of 3 years and a maximum prepayment amount of 3% of the loan for the first year, 2% for the second year and 1% for the third year.
- 11/15/2007 - H.AMDT.902 Amendment (A005) offered by Mr. Watt. (consideration: CR H14013-14014, H14015-14016; text: CR H14013) Amendment sought to allow for actual damages in the liability section.
- 11/15/2007 - H.AMDT.903 Amendment (A006) offered by Mr. Price (GA). (consideration: CR H14014-14015, H14033; text: CR H14014) Amendment sought to exempt prime loans from the bill.
- 11/15/2007 - H.AMDT.904 Amendment (A007) offered by Mr. Watt. (consideration: CR H14019-14020; text: CR H14019) Amendment sought to require the assignee to have policies/procedures and to cure the loan to avoid being liable for rescission.
- 11/15/2007 - H.AMDT.905 Amendment (A008) offered by Mr. Putnam. (consideration: CR H14020-14021; text: CR H14020) Amendment directs the GAO to conduct a study to determine the effects the enactment of H.R. 3915 will have on the availability and affordability of credit for homebuyers and mortgage lending, and to submit a report to Congress containing the findings and conclusions within one year of the enactment of the legislation.
- 11/15/2007 - H.AMDT.907 Amendment (A010) offered by Mr. Hensarling. (consideration: CR H14022; text: CR H14022) Amendment removes the civil liability of a lender and cancel the right of rescission for a borrower in instances when a borrower knowingly lied on their mortgage loan application.
- 11/15/2007 - H.AMDT.908 Amendment (A011) offered by Mr. Watt to the Hensarling amendment (A010). (consideration: CR H14022-14023; text: CR H14022) Amendment adds that the obligor must have had actual knowledge of the false material information for the exemption from liability to take effect.
- 11/15/2007 - H.AMDT.910 Amendment (A013) offered by Ms. Brown-Waite, Ginny. (consideration: CR H14024-14025; text: CR H14024) Amendment to excludes loans insured by the Federal Housing Administration from the provisions of the bill.
- 11/15/2007 - H.AMDT.911 Amendment (A014) offered by Mr. Garrett (NJ). (consideration: CR H14025-14026, H14033-14034; text: CR H14025) Amendment sought to strike the rebuttable presumption under section 203, stating that all qualified safe harbor loans that meet the requirements listed in section 203(c)(3)(C) fall under the safe harbor.
- 11/15/2007 - H.AMDT.913 Amendment (A016) offered by Mr. Green, Al. (consideration: CR H14027-14029; text: CR H14027-14028) Amendment states that educational requirements include instruction on fraud, consumer protection, and fair lending issues.
- 11/15/2007 - H.AMDT.914 Amendment (A017) offered by Mr. McHenry. (consideration: CR H14029-14031, H14034-14035; text: CR H14029) Amendment sought to strike Title III--High-Cost Mortgages from the bill.
- 11/15/2007 - H.AMDT.916 Amendment (A019) offered by Ms. Sutton. (consideration: CR H14031-14033; text: CR H14031) Amendment requires loan creditors or servicers to provide a written notice to consumers with hybrid adjustable rate mortgages six months before their interest rates are due to reset. This notice would state the new interest rate, an explanation of how the new interest rate would be determined, the creditor's or servicer's good faith estimate of the monthly payment that will apply after the reset, a list of alternatives consumers may pursue before the date of adjustment or reset, and contact information for local HUD-approved housing counseling agencies and the state housing finance authority.
- 11/15/2007 - 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.
- 11/15/2007 - 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.
- 11/15/2007 - GENERAL DEBATE - The Committee of the Whole proceeded with one hour of general debate on H.R. 3915.
- 11/15/2007 - 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.
- 11/15/2007 - DEBATE - Pursuant to the provisions of H.Res. 825, the Committee of the Whole proceeded with ten minutes of debate on the Kanjorski amendment.
- 11/15/2007 - DEBATE - Pursuant to the provisions of H.Res. 825, the Committee of the Whole proceeded with ten minutes of debate on the Maloney amendment.
- 11/15/2007 - DEBATE - Pursuant to the provisions of H.Res. 825, the Committee of the Whole proceeded with ten minutes of debate on the Watt amendment.
- 11/15/2007 - 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.
- 11/15/2007 - 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.
- 11/15/2007 - 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.
- 11/15/2007 - DEBATE - Pursuant to the provisions of H.Res. 825, the Committee of the Whole proceeded with ten minutes of debate on the Putnam amendment.
- 11/15/2007 - DEBATE - Pursuant to the provisions of H.Res. 825, the Committee of the Whole proceeded with ten minutes of debate on the Hensarling amendment.
- 11/15/2007 - 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.
- 11/15/2007 - 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.
- 11/15/2007 - 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.
- 11/15/2007 - 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.
- 11/15/2007 - 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.
- 11/15/2007 - DEBATE - Pursuant to the provisions of H.Res. 825, the Committee of the Whole proceeded with ten minutes of debate on the McHenry amendment.
- 11/15/2007 - 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.
- 11/15/2007 - 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.
- 11/15/2007 - DEBATE - Pursuant to the provisions of H.Res. 825, the Committee of the Whole proceeded with ten minutes of debate on the Sutton amendment.
- 11/15/2007 - 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.
- 11/15/2007 - Rule H. Res. 825 passed House.
- 11/15/2007 - Considered under the provisions of rule H. Res. 825. (consideration: CR H13978-14037; text of measure as reported in House: CR H13989-14004)
- 11/15/2007 - House resolved itself into the Committee of the Whole House on the state of the Union pursuant to H. Res. 825 and Rule XVIII.
- 11/15/2007 - The Speaker designated the Honorable Dennis A. Cardoza to act as Chairman of the Committee.
- 11/15/2007 - H.AMDT.899 Amendment (A002) offered by Mr. Frank (MA). (consideration: CR H14005-14006) An amendment numbered 1 printed in House Report 110-450 to make a number of technical and conforming changes as well as enhancemen ts to the bill including the following: (1) clarifies the definition of loan originator; (2) narrows the scope of the preemption provision to make it clear that states cannot use or adopt state laws against securitizers/assignees for violations of the national standards or to impose remedies outside of the unique Federal remedy established in the bill, and to make it clear that actions for fraud, misrepresentation, deception, false advertising or civil rights laws are not preempted; (3) clarifies the registration requirements for the Nationwide Mortgage Licensing System and Registry; (4) allows consumers to obtain a cure from assignee or securitizer if creditor or other assignees cease to exist or go bankrupt; (5) clarifies the incentive compensation provision; and (6) adds a monthly disclosure requirement for mortgages.
- 11/15/2007 - H.AMDT.899 On agreeing to the Frank (MA) amendment (A002) Agreed to by voice vote.
- 11/15/2007 - H.AMDT.900 Amendment (A003) offered by Mr. Kanjorski. (consideration: CR H14006-14011; text: CR H14006-14010) An amendment numbered 2 printed in House Report 110-450 to better consumer protection by improving mortgage servicing, protecting appraiser independence, ensuring better appraisal quality and regulatory oversight, requiring escrows for mortgages for borrowers who might experience difficulty with repayment, and establishing disclosure for consumers who waive escrow accounts.
- 11/15/2007 - H.AMDT.900 On agreeing to the Kanjorski amendment (A003) Agreed to by voice vote.
- 11/15/2007 - Mr. Frank (MA) moved to rise.
- 11/15/2007 - On motion to rise Agreed to by voice vote.
- 11/15/2007 - Committee of the Whole House on the state of the Union rises leaving H.R. 3915 as unfinished business.
- 11/15/2007 - Considered as unfinished business. (consideration: CR H14011-14016)
- 11/15/2007 - The House resolved into Committee of the Whole House on the state of the Union for further consideration.
- 11/15/2007 - H.AMDT.901 Amendment (A004) offered by Mrs. Maloney (NY). (consideration: CR H14011-14013; text: CR H14012) An amendment numbered 3 printed in House Report 110-450 to require a borrower to receive the option of a mortgage without a prepayment penalty, if they are offered an amendment with a prepayment penalty. Sets the maximum time for a prepayment penalty of 3 years and a maximum prepayment amount of 3% of the loan for the first year, 2% for the second year and 1% for the third year.
- 11/15/2007 - H.AMDT.901 On agreeing to the Maloney (NY) amendment (A004) Agreed to by voice vote.
- 11/15/2007 - H.AMDT.902 Amendment (A005) offered by Mr. Watt. (consideration: CR H14013-14014, H14015-14016; text: CR H14013) An amendment numbered 4 printed in House Report 110-450 to allow for actual damages in the liability section.
- 11/15/2007 - H.AMDT.903 Amendment (A006) offered by Mr. Price (GA). (consideration: CR H14014-14015, H14033; text: CR H14014) An amendment numbered 16 printed in House Report 110-450 to exempt prime loans from the bill.
- 11/15/2007 - H.AMDT.902 On agreeing to the Watt amendment (A005) Failed by recorded vote: 169 - 250 (Roll no. 1112).
- 11/15/2007 - Considered as unfinished business. (consideration: CR H14018)
- 11/15/2007 - H.AMDT.904 Amendment (A007) offered by Mr. Watt. (consideration: CR H14019-14020; text: CR H14019) An amendment numbered 5 printed in House Report 110-450 to require the assignee to have policies/procedures and to cure the loan to avoid being liable for rescission.
- 11/15/2007 - H.AMDT.904 On agreeing to the Watt amendment (A007) Failed by voice vote.
- 11/15/2007 - H.AMDT.905 Amendment (A008) offered by Mr. Putnam. (consideration: CR H14020-14021; text: CR H14020) An amendment numbered 10 printed in House Report 110-450 to direct the GAO to conduct a study to determine the effects the enactment of H.R. 3915 will have on the availability and affordability of credit for homebuyers and mortgage lending, and to submit a report to Congress containing the findings and conclusions within one year of the enactment of the legislation.
- 11/15/2007 - H.AMDT.905 On agreeing to the Putnam amendment Agreed to by voice vote.
- 11/15/2007 - H.AMDT.906 Amendment (A009) offered by Mr. Watt. (consideration: CR H14021-14022; text: CR H14021) An amendment numbered 6 printed in House Report 110-450 to change the irrebuttable presumption under section 203 to a rebuttable presumption for all mortgages that allow a borrower to defer payment of principal or interest.
- 11/15/2007 - H.AMDT.906 By unanimous consent, the Watt amendment was withdrawn.
- 11/15/2007 - H.AMDT.907 Amendment (A010) offered by Mr. Hensarling. (consideration: CR H14022; text: CR H14022) An amendment numbered 7 printed in House Report 110-450 to remove the civil liability of a lender and cancel the right of rescission for a borrower in instances when a borrower knowingly lied on their mortgage loan application.
- 11/15/2007 - H.AMDT.908 Amendment (A011) offered by Mr. Watt to the Hensarling amendment (A010). (consideration: CR H14022-14023; text: CR H14022) An amendment numbered 8 printed in House Report 110-450 to add that the obligor must have had actual knowledge of the false material information for the exemption from liability to take effect.
- 11/15/2007 - H.AMDT.908 On agreeing to the Watt amendment (A011) Agreed to by voice vote.
- 11/15/2007 - H.AMDT.907 On agreeing to the Hensarling amendment (A010) as amended Agreed to by voice vote.
- 11/15/2007 - H.AMDT.909 Amendment (A012) offered by Mr. Meeks (NY). (consideration: CR H14023-14024; text: CR H14023) An amendment numbered 9 printed in House Report 110-450 to provide that the Nationwide Mortgage Licensing System and Registry shall not directly or indirectly offer educational courses for pre-licensure or continuing education for mortgage originators. In approving courses under this Act, the Nationwide Mortgage Licensing System and Registry shall apply reasonable standards in the review and approval of courses.
- 11/15/2007 - H.AMDT.909 On agreeing to the Meeks (NY) amendment Agreed to by voice vote.
- 11/15/2007 - H.AMDT.910 Amendment (A013) offered by Ms. Brown-Waite, Ginny. (consideration: CR H14024-14025; text: CR H14024) An amendment numbered 11 printed in House Report 110-450 to exclude loans insured by the Federal Housing Administration from the provisions of the bill.
- 11/15/2007 - H.AMDT.910 On agreeing to the Brown-Waite, Ginny amendment (A013) Agreed to by voice vote.
- 11/15/2007 - H.AMDT.911 Amendment (A014) offered by Mr. Garrett (NJ). (consideration: CR H14025-14026, H14033-14034; text: CR H14025) An amendment numbered 12 printed in House Report 110-450 to strike the rebuttable presumption under section 203, stating that all qualified safe harbor loans that meet the requirements listed in section 203(c)(3)(C) fall under the safe harbor.
- 11/15/2007 - H.AMDT.912 Amendment (A015) offered by Mr. Frank (MA). (consideration: CR H14026-14027; text: CR H14026-14027) An amendment numbered 13 printed in House Report 110-450 to allow regulators to fine mortgage originators, assignees and securitizers who more than occasionally (`pattern or practice') violate the minimum standards for loans established in the bill at least $1 million, $25,000 per loan. Proceeds would be held in trust by the US Treasury for the benefit of borrowers who have no other avenue for obtaining a remedy.
- 11/15/2007 - H.AMDT.912 By unanimous consent, the Frank (MA) amendment was withdrawn.
- 11/15/2007 - H.AMDT.913 Amendment (A016) offered by Mr. Green, Al. (consideration: CR H14027-14029; text: CR H14027-14028) An amendment numbered 14 printed in House Report 110-450 to state that educational requirements include instruction on fraud, consumer protection, and fair lending issues.
- 11/15/2007 - H.AMDT.913 On agreeing to the Green, Al amendment (A016) Agreed to by voice vote.
- 11/15/2007 - H.AMDT.914 Amendment (A017) offered by Mr. McHenry. (consideration: CR H14029-14031, H14034-14035; text: CR H14029) An amendment numbered 15 printed in House Report 110-450 to strike Title III--High-Cost Mortgages from the bill.
- 11/15/2007 - H.AMDT.915 Amendment (A018) offered by Mr. Van Hollen. (consideration: CR H14030-14031; text: CR H14031) An amendment numbered 17 printed in House Report 110-450 to require that in the case of a residential mortgage loan, closing costs may not exceed by more than 10% any estimate of closing costs disclosed to the consumer in advance of closing.
- 11/15/2007 - H.AMDT.915 By unanimous consent, the Van Hollen amendment was withdrawn.
- 11/15/2007 - H.AMDT.916 Amendment (A019) offered by Ms. Sutton. (consideration: CR H14031-14033; text: CR H14031) An amendment numbered 18 printed in House Report 110-450 to require loan creditors or servicers to provide a written notice to consumers with hybrid adjustable rate mortgages six months before their interest rates are due to reset. This notice would state the new interest rate, an explanation of how the new interest rate would be determined, the creditor's or servicer's good faith estimate of the monthly payment that will apply after the reset, a list of alternatives consumers may pursue before the date of adjustment or reset, and contact information for local HUD-approved housing counseling agencies and the state housing finance authority.
- 11/15/2007 - H.AMDT.916 On agreeing to the Sutton amendment (A019) Agreed to by voice vote.
- 11/15/2007 - H.AMDT.903 On agreeing to the Price (GA) amendment (A006) Failed by recorded vote: 172 - 249 (Roll no. 1114).
- 11/15/2007 - H.AMDT.911 On agreeing to the Garrett (NJ) amendment (A014) Failed by recorded vote: 188 - 229 (Roll no. 1115).
- 11/15/2007 - H.AMDT.914 On agreeing to the McHenry amendment (A017) Failed by recorded vote: 168 - 245 (Roll no. 1116).
- 11/15/2007 - The House rose from the Committee of the Whole House on the state of the Union to report H.R. 3915.
- 11/15/2007 - The previous question was ordered pursuant to the rule. (consideration: CR H14035)
- 11/15/2007 - 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.
- 11/15/2007 - Mrs. Blackburn moved to recommit with instructions to Financial Services. (consideration: CR H14035-14037; text: CR H14035)
- 11/15/2007 - The previous question on the motion to recommit with instructions was ordered without objection. (consideration: CR H14036)
- 11/15/2007 - On motion to recommit with instructions Failed by recorded vote: 188 - 231 (Roll no. 1117). (consideration: CR H14035-14036)
- 11/15/2007 - On passage Passed by the Yeas and Nays: 291 - 127 (Roll no. 1118).
- 11/15/2007 - Motion to reconsider laid on the table Agreed to without objection.
- 11/15/2007 - 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.
- 11/14/2007 - 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.
- 11/09/2007 - Reported (Amended) by the Committee on Financial Services. H. Rept. 110-441.
- 11/09/2007 - Placed on the Union Calendar, Calendar No. 272.
- 11/07/2007 - Committee Consideration and Mark-up Session Held.
- 11/07/2007 - Ordered to be Reported by Voice Vote.
- 11/06/2007 - Committee Consideration and Mark-up Session Held.
- 11/06/2007 - Ordered to be Reported (Amended) by Voice Vote.
- 10/22/2007 - Referred to the House Committee on Financial Services.
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