Mortgage Assistance Information and Scam Prevention Act of 2009

Referred to the House Committee on Financial Services.

Congressional Research Service

Official summary

Version 00 · Introduced in House · Apr 29, 2009

Mortgage Assistance Information and Scam Prevention Act of 2009 - Directs the Secretary of Housing and Urban Development (HUD) to require that each covered mortgage servicer provide periodic notice to each mortgagor under a first mortgage on residential real property designed principally for occupancy of one to four families.

Requires such a notice to: (1) notify the mortgagor of possible eligibility for federal or federally related homeowner assistance; (2) identify specific programs of HUD, the Rural Housing Service of the Department of Agriculture, the Department of Veterans Affairs (VA), the Department of the Treasury, the Federal National Mortgage Association (Fannie Mae), the Federal Home Loan Mortgage Corporation (Freddie Mac), the Federal Home Loan Banks, and any other federal or federally related entities that provide mortgage relief, mortgage refinancing, loan modification, mortgage foreclosure mitigation, homeowner stability or affordability, or other homeowner assistance; and (3) explain how to obtain further information regarding such programs.

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People & committees

Who introduced it

Rep. Titus, Dina [D-NV-3] · D–NV

Committees

Financial Services Committee

6 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 29, 2009
Referred to the House Committee on Financial Services.
Apr 29, 2009
Introduced in House
Apr 29, 2009
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 · Apr 29, 2009 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.

AI Conversation Starters

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Neutral evidence review

Objective

Analyze H.R.2181 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.2181, 111th Congress: Mortgage Assistance Information and Scam Prevention Act of 2009

Official record: https://www.congress.gov/bill/111th-congress/house-bill/2181

Text version to examine: Introduced in House · 2009-04-29.

Official full text: https://www.congress.gov/111/bills/hr2181/BILLS-111hr2181ih.htm

Imported record last updated by the source: 2025-08-14T16:15:50Z. 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.2181 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.2181 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.

View full prompt & sources

Discuss H.R.2181, 111th Congress: Mortgage Assistance Information and Scam Prevention Act of 2009

Official record: https://www.congress.gov/bill/111th-congress/house-bill/2181

Text version to examine: Introduced in House · 2009-04-29.

Official full text: https://www.congress.gov/111/bills/hr2181/BILLS-111hr2181ih.htm

Imported record last updated by the source: 2025-08-14T16:15:50Z. 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.2181 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.2181 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.

View full prompt & sources

Discuss H.R.2181, 111th Congress: Mortgage Assistance Information and Scam Prevention Act of 2009

Official record: https://www.congress.gov/bill/111th-congress/house-bill/2181

Text version to examine: Introduced in House · 2009-04-29.

Official full text: https://www.congress.gov/111/bills/hr2181/BILLS-111hr2181ih.htm

Imported record last updated by the source: 2025-08-14T16:15:50Z. 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.2181 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.2181 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.2181, 111th Congress: Mortgage Assistance Information and Scam Prevention Act of 2009

Official record: https://www.congress.gov/bill/111th-congress/house-bill/2181

Text version to examine: Introduced in House · 2009-04-29.

Official full text: https://www.congress.gov/111/bills/hr2181/BILLS-111hr2181ih.htm

Imported record last updated by the source: 2025-08-14T16:15:50Z. 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.2181 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.