Produce the Note Act of 2013

Referred to the House Committee on Financial Services.

Congressional Research Service

Official summary

Version 00 · Introduced in House · Jan 4, 2013

Produce the Note Act of 2013 - Prohibits commencement of any foreclosure in connection with certain residential mortgages unless the person commencing the foreclosure complies with specified prerequisites, including identification of the actual holder of the mortgage note, the originating mortgage lender and all subsequent assignees, and other all parties who have an interest in the real estate subject to the mortgage or in the mortgage or its proceeds.

Requires the person commencing the foreclosure to: (1) notify the mortgagor, in writing, not less than five days before any action is taken to commence foreclosure; and (2) certify to the court, in the case of a judicial foreclosure, or to the office of the state to which notice is required under state law, that such notice has been provided.

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People & committees

Who introduced it

Rep. Kaptur, Marcy [D-OH-9] · D–OH

Committees

Financial Services Committee

0 cosponsorship records, including any withdrawals

Legislative record

Actions

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Jan 4, 2013
Referred to the House Committee on Financial Services.
Jan 4, 2013
Introduced in House
Jan 4, 2013
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 · Jan 4, 2013 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 12, 2025. Consult Congress.gov for the current record.

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Analyze H.R.190 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.190, 113th Congress: Produce the Note Act of 2013

Official record: https://www.congress.gov/bill/113th-congress/house-bill/190

Text version to examine: Introduced in House · 2013-01-04.

Official full text: https://www.congress.gov/113/bills/hr190/BILLS-113hr190ih.htm

Imported record last updated by the source: 2025-08-12T18:36:33Z. 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.190 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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Progressive lens

Examine H.R.190 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.190, 113th Congress: Produce the Note Act of 2013

Official record: https://www.congress.gov/bill/113th-congress/house-bill/190

Text version to examine: Introduced in House · 2013-01-04.

Official full text: https://www.congress.gov/113/bills/hr190/BILLS-113hr190ih.htm

Imported record last updated by the source: 2025-08-12T18:36:33Z. 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.190 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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Examine H.R.190 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.190, 113th Congress: Produce the Note Act of 2013

Official record: https://www.congress.gov/bill/113th-congress/house-bill/190

Text version to examine: Introduced in House · 2013-01-04.

Official full text: https://www.congress.gov/113/bills/hr190/BILLS-113hr190ih.htm

Imported record last updated by the source: 2025-08-12T18:36:33Z. 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.190 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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Examine H.R.190 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.

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Discuss H.R.190, 113th Congress: Produce the Note Act of 2013

Official record: https://www.congress.gov/bill/113th-congress/house-bill/190

Text version to examine: Introduced in House · 2013-01-04.

Official full text: https://www.congress.gov/113/bills/hr190/BILLS-113hr190ih.htm

Imported record last updated by the source: 2025-08-12T18:36:33Z. 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.190 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.