PlainBillCongress, translated.Legislation. Context. Public interest.Congressional Research Service
Version 81 · Passed House without amendment · Oct 7, 2015
(This measure has not been amended since it was introduced. The expanded summary of the House reported version is repeated here.)
Homebuyers Assistance Act
(Sec. 2) This bill prohibits until February 1, 2016, enforcement against any person of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974, the Truth in Lending Act, and regulations issued under such Acts.
No suit may be filed against any person for a violation of such requirements occurring before that date, as long as the person has made a good faith effort to comply with them.
People & committees
Rep. Hill, J. French [R-AR-2] · R–AR
Legislative record
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Received in the Senate.
Motion to reconsider laid on the table Agreed to without objection.
On passage Passed by the Yeas and Nays: 303 - 121 (Roll no. 540). (text: CR H6858)
House roll call 540 · Individual votesPassed/agreed to in House: On passage Passed by the Yeas and Nays: 303 - 121 (Roll no. 540).(text: CR H6858)
House roll call 540 · Individual votesOn motion to recommit with instructions Failed by the Yeas and Nays: 185 - 240 (Roll no. 539). (consideration: CR H6880)
House roll call 539 · Individual votesConsidered as unfinished business. (consideration: CR H6880-6881)
POSTPONED PROCEEDINGS - At the conclusion of debate on the Moulton motion to recommit with instructions, the Chair put the question on adopting the motion to recommit and by voice vote, announced that the noes had prevailed. Mr. Moulton demanded the yeas and nays and pursuant to the order of the House of today, the Chair postponed further proceedings on the question of adoption until a time to be announced.
The previous question on the motion to recommit with instructions was ordered without objection. (consideration: CR H6869)
DEBATE - The House proceeded with 10 minutes of debate on the Moulton motion to recommit with instructions. The instructions contained in the motion seek to require the bill to be reported back to the House with an amendment adding at the end of the bill a new section pertaining to Protecting Servicemembers and Others.
Mr. Moulton moved to recommit with instructions to the Committee on Financial Services. (consideration: CR H6868; text: CR H6868)
The previous question was ordered pursuant to the rule. (consideration: CR H6868)
DEBATE - The House proceeded with one hour of debate on H.R. 3192.
Rule provides for consideration of H.R. 3192 with 1 hour of general debate. Previous question shall be considered as ordered without intervening motions except motion to recommit. Measure will be considered read. Bill is closed to amendments. Resolution also provides for proceedings during the period from Oct. 12, 2015 through Oct. 19, 2015.
Considered under the provisions of rule H. Res. 462. (consideration: CR H6858-6869)
ORDER OF PROCEDURE - Mr. Hensarling asked unanimous consent that the question of adopting a motion to recommit on H.R. 3192 may be subject to postponement as though under clause 8 of rule 20. Agreed to without objection.
Rule H. Res. 462 passed House.
Rules Committee Resolution H. Res. 462 Reported to House. Rule provides for consideration of H.R. 3192 with 1 hour of general debate. Previous question shall be considered as ordered without intervening motions except motion to recommit. Measure will be considered read. Bill is closed to amendments. Resolution also provides for proceedings during the period from Oct. 12, 2015 through Oct. 19, 2015.
Placed on the Union Calendar, Calendar No. 210.
Reported by the Committee on Financial Services. H. Rept. 114-278.
Reported by the Committee on Financial Services. H. Rept. 114-278.
Ordered to be Reported by the Yeas and Nays: 45 - 13.
Committee Consideration and Mark-up Session Held.
Committee Consideration and Mark-up Session Held.
Referred to the House Committee on Financial Services.
Introduced in House
Introduced in House
Primary sources
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Source last updated: Dec 6, 2025. Consult Congress.gov for the current record.
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Analyze H.R.3192 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.
Examine H.R.3192 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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