Preventing Homeowners from Foreclosure Act of 2011

Referred to the Subcommittee on Insurance, Housing and Community Opportunity.

Congressional Research Service

Official summary

Version 00 · Introduced in House · Mar 16, 2011

Preventing Homeowners from Foreclosure Act of 2011 - Directs the Secretary of Housing and Urban Development (HUD) to implement a competitive grants program for states and local governmental entities to establish mediation programs to assist mortgagors under home mortgages facing foreclosure on such mortgages.

Requires the program to provide the mortgagor with a referral and contact information for a paid or pro bono attorney or a HUD-certified housing counselor.

Requires grant recipients to establish an outreach program to raise homeowner awareness of the existence of the foreclosure mediation program, including a telephone hotline, a World Wide Web site, or both.

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People & committees

Who introduced it

Rep. Cohen, Steve [D-TN-9] · D–TN

Committees

Financial Services Committee

4 cosponsorship records, including any withdrawals

Legislative record

Actions

A procedural vote is different from passage. Passage in one chamber does not establish enactment. Explore the glossary.

Apr 4, 2011
Referred to the Subcommittee on Insurance, Housing and Community Opportunity.
Mar 16, 2011
Referred to the House Committee on Financial Services.
Mar 16, 2011
Introduced in House
Mar 16, 2011
Introduced in House

Primary sources

Bill text & related measures

Text links open the official source. We currently store references to these documents.

Introduced in House · Mar 16, 2011 Formatted Text PDF Formatted XML

Related bills identified by Congress.gov

No related bills are listed in this snapshot. This does not establish whether the proposal has appeared in earlier Congresses.

Source last updated: Aug 14, 2025. Consult Congress.gov for the current record.

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Objective

Analyze H.R.1131 as objectively as possible. Explain its main provisions, who would be affected, possible benefits and harms, implementation, exceptions, and uncertainties. Present the strongest arguments for and against it, and identify evidence needed to assess its public impact.

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Discuss H.R.1131, 112th Congress: Preventing Homeowners from Foreclosure Act of 2011

Official record: https://www.congress.gov/bill/112th-congress/house-bill/1131

Text version to examine: Introduced in House · 2011-03-16.

Official full text: https://www.congress.gov/112/bills/hr1131/BILLS-112hr1131ih.htm

Imported record last updated by the source: 2025-08-14T14:21:25Z. Verify current status and distinguish any later version from the version above.

Read the official text before answering. If you cannot access it, say so and ask me to provide it; do not assume a link means you have read the document. Distinguish proposals from enacted law, cite sources, and separate facts, interpretation, and uncertain predictions. Include counterarguments even when using a particular perspective.

Analyze H.R.1131 as objectively as possible. Explain its main provisions, who would be affected, possible benefits and harms, implementation, exceptions, and uncertainties. Present the strongest arguments for and against it, and identify evidence needed to assess its public impact.

Fairness and public impact

Progressive lens

Examine H.R.1131 through a progressive lens, focusing on fairness, access, economic inequality, and effects on vulnerable communities. Explain potential benefits, costs, and unintended consequences. Consider the strongest counterarguments and distinguish stated goals from demonstrated outcomes.

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Discuss H.R.1131, 112th Congress: Preventing Homeowners from Foreclosure Act of 2011

Official record: https://www.congress.gov/bill/112th-congress/house-bill/1131

Text version to examine: Introduced in House · 2011-03-16.

Official full text: https://www.congress.gov/112/bills/hr1131/BILLS-112hr1131ih.htm

Imported record last updated by the source: 2025-08-14T14:21:25Z. Verify current status and distinguish any later version from the version above.

Read the official text before answering. If you cannot access it, say so and ask me to provide it; do not assume a link means you have read the document. Distinguish proposals from enacted law, cite sources, and separate facts, interpretation, and uncertain predictions. Include counterarguments even when using a particular perspective.

Examine H.R.1131 through a progressive lens, focusing on fairness, access, economic inequality, and effects on vulnerable communities. Explain potential benefits, costs, and unintended consequences. Consider the strongest counterarguments and distinguish stated goals from demonstrated outcomes.

Institutions and government scope

Conservative lens

Examine H.R.1131 through a conservative lens, focusing on fiscal responsibility, institutional stability, federalism, and the scope of government. Explain potential benefits, costs, and unintended consequences. Consider the strongest counterarguments and any provisions that challenge this perspective.

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Discuss H.R.1131, 112th Congress: Preventing Homeowners from Foreclosure Act of 2011

Official record: https://www.congress.gov/bill/112th-congress/house-bill/1131

Text version to examine: Introduced in House · 2011-03-16.

Official full text: https://www.congress.gov/112/bills/hr1131/BILLS-112hr1131ih.htm

Imported record last updated by the source: 2025-08-14T14:21:25Z. Verify current status and distinguish any later version from the version above.

Read the official text before answering. If you cannot access it, say so and ask me to provide it; do not assume a link means you have read the document. Distinguish proposals from enacted law, cite sources, and separate facts, interpretation, and uncertain predictions. Include counterarguments even when using a particular perspective.

Examine H.R.1131 through a conservative lens, focusing on fiscal responsibility, institutional stability, federalism, and the scope of government. Explain potential benefits, costs, and unintended consequences. Consider the strongest counterarguments and any provisions that challenge this perspective.

Individual rights and government power

Liberty lens

Examine H.R.1131 through a civil-liberties and limited-government lens. Consider individual rights, privacy, voluntary choice, accountability, and government power. Explain tradeoffs, possible safeguards, and the strongest counterarguments without assuming the proposal is beneficial or harmful.

View full prompt & sources

Discuss H.R.1131, 112th Congress: Preventing Homeowners from Foreclosure Act of 2011

Official record: https://www.congress.gov/bill/112th-congress/house-bill/1131

Text version to examine: Introduced in House · 2011-03-16.

Official full text: https://www.congress.gov/112/bills/hr1131/BILLS-112hr1131ih.htm

Imported record last updated by the source: 2025-08-14T14:21:25Z. Verify current status and distinguish any later version from the version above.

Read the official text before answering. If you cannot access it, say so and ask me to provide it; do not assume a link means you have read the document. Distinguish proposals from enacted law, cite sources, and separate facts, interpretation, and uncertain predictions. Include counterarguments even when using a particular perspective.

Examine H.R.1131 through a civil-liberties and limited-government lens. Consider individual rights, privacy, voluntary choice, accountability, and government power. Explain tradeoffs, possible safeguards, and the strongest counterarguments without assuming the proposal is beneficial or harmful.