PlainBillCongress, translated.Legislation. Context. Public interest.Referred to the Subcommittee on Housing and Community Opportunity.
Congressional Research Service
Version 00 · Introduced in House · Feb 13, 2003
Responsible Lending Act - Amends the Truth in Lending Act to define: (1) high cost mortgage; and (2) points and fees. Revises specified liability and other related provisions.Provides for continuation of late fee and prepayment provision identification under the Alternative Mortgage Transaction parity Act of 1982.Amends the Housing and Urban Development Act of 1968 to establish in the Department of Housing and Urban Development the Consumer Mortgage Protection Board, which shall: (1) provide homeownership and rental counseling and related toll-free telephone and web site services; (2) provide grants for housing counseling services; and (3) prepare and update a mortgage information booklet.Directs the Secretary of Housing and Urban Development to establish Federal mortgage broker requirements. Sets forth uniform State mortgage broker law guidelines, and states that Federal requirements shall apply to those States that have not enacted uniform laws.
People & committees
Rep. Ney, Robert W. [R-OH-18] · R–OH
Legislative record
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Referred to the Subcommittee on Housing and Community Opportunity.
Referred to the Subcommittee on Financial Institutions and Consumer Credit.
Referred to the House Committee on Financial Services.
Introduced in House
Introduced in House
Primary sources
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Source last updated: Aug 18, 2025. Consult Congress.gov for the current record.
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