Expanding American Homeownership Act of 2007

To modernize and update the National Housing Act and enable the Federal Housing Administration to use risk-based pricing to more effectively reach underserved borrowers, and for other purposes.

9/18/2007--Passed House amended. Expanding American Homeownership Act of 2007 -
(Sec. 3) Amends the National Housing Act (Act) to:
(1) modify requirements governing the maximum principal loan obligation, changing it to 125% of the median one-family house price in the area; and
(2) extend the mortgage term from 35 to 40 years.
(Sec. 5) Revises eligibility criteria for cash down payment for mortgage insurance. Alters the formula for determining the principal obligation to set the loan-to-value (LTV) for a Federal Housing Administration (FHA) single family home at 97.75 % of the appraised value of the property (plus the amount of the mortgage insurance premium paid at the time the mortgage is insured, as under current law). Establishes an alternative formula for zero- and lower-down payment borrowers, allowing 100% of the appraised value of the property, plus HUD-approved initial service charges, appraisal, inspection, and other fees. Repeals the prerequisite for FHA mortgage insurance that a mortgagor obtain counseling in financial management and responsibilities of homeownership. Retains the current 3% cash down payment requirement, except for zero- and lower-down payment borrowers. Requires the Secretary, with respect to cash down payments, to consider as cash or its equivalent any amounts gifted by a family member (as under current law), the mortgagor's employer or labor union, or a qualified home ownership assistance entity, but only if there is no obligation on the part of the mortgagor to repay the gift.
(Sec. 6) Sets forth eligibility criteria governing mortgage insurance premiums for zero- and lower-down payment borrowers who obtain a mortgage secured by a one- to four-family dwelling occupied as a principal residence. (Sec. 7 ) Distinguishes standard risk mortgages secured by a one- to four-family dwelling from higher-risk mortgages. Authorizes the Secretary to:
(1) establish underwriting standards for higher-risk mortgages for mortgagors with a credit score equivalent to a FICO score of less than 560;
(2) provide for flexible premium rate variations according to the credit risk associated with the type of mortgage product being insured; and
(3) create certain payment incentives, both discretionary and mandatory.
(Sec. 10) Makes certain borrower protections, including mortgagee disclosures and mortgagor counseling, particularly foreclosure prevention counseling, mandatory for higher risk mortgages.
(Sec. 11) Requires the Secretary to:
(1) establish underwriting standards governing insurance of mortgage loans; and
(2) take actions to facilitate the availability of mortgage loans insured under this Act that are made for the purpose of paying or prepaying outstanding obligations under existing mortgages.
(Sec. 12) Instructs the Secretary to submit in annual reports to Congress:
(1) the rates of default and foreclosure for mortgages insured pursuant to certain mortgage insurance programs; and
(2) loss mitigation actions.
(Sec. 13) Permits an increase of up to 25% in the maximum mortgage amount that may be insured to account for the increased cost of a residence due to an increased need of space for locating and operating a licensed or certificated child care facility.
(Sec. 14) Replaces the General Insurance Fund with the Mutual Mortgage Insurance Fund (MMI Fund) with respect to funds received and disbursements made in connection with certain rehabilitation loans.
(Sec. 16) Permits the Secretary to insure any mortgage covering a one-family unit in a condominium if the project of which it is part has a certain HUD-insured blanket mortgage. Extends the insurable mortgage term from 35 to 40 years. Includes among insurable multifamily projects those in which the dwelling units are manufactured housing units, semi-detached or detached.
(Sec. 17) Revises requirements for the MMI Fund, specifying operating goals among other things. Requires an annual independent actuarial study of the Fund.
(Sec. 18) Makes insurance of a Native Hawaiian or Indian reservation mortgage the obligation of the MMI Fund (instead of the General Insurance Fund).
(Sec. 20) Eliminates the limitation placed upon the aggregate number of home equity conversion mortgages insured under the Act. Authorizes the Secretary to insure a home equity conversion mortgage when its primary purpose is to enable an elderly mortgagor to purchase a one- to four-family dwelling in which the mortgagor will occupy one of the units. Directs the Secretary to:
(1) establish specified limits on the origination fee that may be charged to a mortgagor; and
(2) study and report to Congress regarding mortgage insurance premiums charged for insurance of home equity conversion mortgages to determine the effects of reducing such premiums upon costs to mortgagors, and upon the financial soundness of the program.
(Sec. 21) Revises:
(1) requirements for participation by mortgage brokers and correspondent lenders in the mortgage insurance program; and
(2) mortgage insurance eligibility criteria. Extends the meaning of "mortgagee" to mortgage brokers and correspondent lenders who post a bond of between $50,000 and $100,000 (indexed annually), as determined by the Secretary, in lieu of existing net worth and annual audit requirements. Directs the Comptroller General to study and report to Congress regarding the effect of such revised requirements upon increased participation by mortgage brokers and correspondent lenders in mortgage insurance programs under this Act.
(Sec. 22) Authorizes the Secretary to enter into agreements, for a certain period, to insure up to 100% of certain mortgages for a single family residence located in a major disaster area.
(Sec. 23) Establishes penalties for failure by a mortgage and escrow account servicer to make required payments from escrow accounts (for taxes, insurance premiums, and other charges) in the case of a HUD-insured mortgage for a one- to four-family residence. Prohibits the Secretary from submitting any information to a consumer reporting agency regarding such failure that is adverse to the mortgagor's credit rating or interest.
(Sec. 24) Restricts acceptable forms of identification for FHA mortgagors to:
(1) a social security card with photo identification or REAL ID Act identification;
(2) a passport; or
(3) a U.S. Citizenship and Immigration Services identification card.
(Sec. 25) Directs the Secretary to implement a pilot program to establish an automated process for borrowers without sufficient credit history. Directs the Comptroller General to report to Congress regarding:
(1) the number of additional mortgagors served using such automated process; and
(2) the impact of such process and the insurance of mortgages pursuant to it on the safety and soundness of the insurance funds under the Act of which such mortgages are obligations.
(Sec. 26) Expresses the sense of Congress that the Secretary should report to Congress on the use of a portion of the funds received from premiums paid for FHA single family housing mortgage insurance that are in excess of the amounts paid out in claims to increase substantially the funding for FHA technology to bring it to the level and sophistication of technology used in the conventional mortgage lending market.
(Sec. 27) Increases maximum FHA multifamily housing mortgage limits in high cost areas from 140% of the basic loan limit to 170% and, on a project-by-project basis, to 215%.
(Sec. 28) Authorizes appropriations for FY2008 for discount sales of multifamily real properties.
(Sec. 29) Exempts from the requirements, limitations, and prohibitions of subtitle A (FHA Asset Disposition) of title II of the Deficit Reduction Act of 2005, and the amendments made by such title, any multifamily real property transaction for which:
(1) the Secretary has received, before the Act's enactment, written expressions of interest in purchasing the property from both a city government and its housing commission;
(2) the Secretary acquires title to the property at a foreclosure sale after receipt of such expressions of interest; and
(3) such city government and housing commission have resolved a previous disagreement with respect to the disposition of the property.
(Sec. 30) Amends the Deficit Reduction Act of 2005 to prohibit the Secretary from selling multifamily real property through any discount sale during FY2011, or any multifamily loan through a discount loan sale during such fiscal year, unless the property or loan is sold for an amount that is equal to or greater than 60% of the property market value or loan market value, respectively.
(Sec. 31) Authorizes appropriations from the negative credit subsidy for mortgage insurance programs resulting from this Act for:
(1) single family housing mortgage insurance;
(2) housing counseling;
(3) mortgage insurance technology, procedures, processes, program performance, and salaries; and
(4) an affordable housing fund. Conditions such authorization for a fiscal year upon certification by the Secretary that mortgage insurance premiums charged during it:
(1) are established at the minimum amount sufficient to comply with the requirements for the MMI capital ratio; and
(2) ensure the safety and soundness of the other mortgage insurance funds under such Act. Requires any such negative credit subsidy to ensure adequately the efficient delivery and availability of the mortgage insurance programs. Requires the Secretary to study and report to Congress on how best to update and upgrade mortgage insurance program procedures and technologies so that the policies and procedures for originating, insuring, and servicing of mortgages conform with those customarily used by secondary market purchasers of residential mortgage loans.
(Sec. 32) Sets limitations upon mortgage insurance premium increases.
(Sec. 33) Amends the National Housing Act to establish civil money penalties for improperly influencing property appraisals.
(Sec. 34) Instructs the Secretary to provide refunds of unearned premium charges paid for mortgage insurance to or on behalf of otherwise refund-eligible mortgagors whose mortgages were closed before December 8, 2004, and endorsed on or after such date. Authorizes appropriations.


... morehide bill summarySee Full Bill Text

Sponsor

• Rep. Maxine Waters [D, CA-35]
• and 13 Co-Sponsors
  • Rep. Donna Christensen [D, VI-0]
  • Rep. Elijah Cummings [D, MD-7]
  • Rep. Anna Eshoo [D, CA-14]
  • Rep. Bob Etheridge [D, NC-2]
  • Rep. Barney Frank [D, MA-4]
  • Rep. William Jefferson [D, LA-2]
  • Rep. Edward Markey [D, MA-7]
  • Rep. James Moran [D, VA-8]
  • Rep. Bobby Rush [D, IL-1]
  • Rep. Adam Schiff [D, CA-29]
  • Rep. Albio Sires [D, NJ-13]
  • Rep. Peter Welch [D, VT-0]
  • Rep. Albert Wynn [D, MD-4]
  close

Committees

• Senate Banking, Housing, and Urban Affairs
• 2 more
  • House Financial Services
  • House Financial Services
  close

Amendments

This bill has 7 amendments. See All AmendmentsHide All Amendments

Amendments to H.R.1852

Number	Status	Purpose
H.Amdt794	Pass	An amendment numbered 2 printed in House Report 110-330 to raise the FHA single family loan limit, by establishing such limit in each area as the lower of (a) 125% of the local median area home price or (b) 175% of the national GSE conforming loan limit; retain the FHA loan floor provision in the reported bill of 65% of the GSE conforming loan limit; and also gives HUD authority to raise these resulting loan limit amounts by up to $100,000 by area and/or by unit size `if market conditions warrant.'.
H.Amdt795	Pass	An amendment numbered 1 printed in House Report 110-330 to direct the Secretary of the Department of Housing and Urban Development to provide mortgage insurance premium refunds to eligible borrowers of FHA insured loans, which were closed prior to December 8, 2004, but which were not endorsed until December 8, 2004 or after that date, and authorizes such sums as may be necessary for such refunds.
H.Amdt796	Pass	An amendment numbered 3 printed in House Report 110-330 to allow qualified down payment assistance providers to participate in the FHA Program if certain conditions are satisfied (i.e. no obligation for mortgagor to repay and net worth requirement). The Secretary shall consider as cash or its equivalent any amounts gifted by a family member, the mortgagor's employer or labor union, or a qualified homeownership assistance entity, but only if there is no obligation on the part of the mortgagor to repay the gift.
H.Amdt797	Pass	An amendment numbered 4 printed in House Report 110-330 to clarify requirements on reverse mortgages for seniors who own permanent foundation homes on leased land.
H.Amdt798	Fail	An amendment numbered 5 printed in House Report 110-330 to strike the allowable use of FHA savings for an affordable housing fund.
H.Amdt799	Pass	An amendment numbered 6 printed in House Report 110-330 to require the Secretary to ensure that the mortgagor receives counseling at the time of application.
H.Amdt800	Fail	An amendment in the nature of a substitute numbered 7 printed in House Report 110-330 to reform the Federal Housing Administration's (FHA) single-family mortgage insurance activities and would allow FHA to base each borrower's mortgage insurance premiums on the risk that the borrower poses to the FHA Mortgage Insurance Fund, with slight variations. Under this proposal, mortgage insurance premiums will be based on the borrower's credit history, loan-to-value ratio, debt-to-income ratio, and on FHA's historical experience with similar borrowers. This amendment maintains FHA reserves within the insurance fund to preserve the future solvency of the FHA program.

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Introduced		Voted on by House		Voted on by Senate		Considered By President		Bill Becomes Law
March 29, 2007		September 18, 2007

Latest Vote

September 18, 2007Roll call number 876 in the House
Question: On Passage: H R 1852 Expanding American Homeownership Act of 2007
Required percentage of 'Aye' votes: 1/2 (50%)	Percentage of 'aye' votes: 80%	Result: Passed

Democrats Voting 'Aye'

Close

Rep. Neil Abercrombie [D, HI-1]
Rep. Gary Ackerman [D, NY-5]
Rep. Jason Altmire [D, PA-4]
Rep. Michael Arcuri [D, NY-24]
Rep. Joe Baca [D, CA-43]
Rep. Brian Baird [D, WA-3]
Rep. Tammy Baldwin [D, WI-2]
Rep. John Barrow [D, GA-12]
Rep. Melissa Bean [D, IL-8]
Rep. Xavier Becerra [D, CA-31]
Rep. Shelley Berkley [D, NV-1]
Rep. Robert Berry [D, AR-1]
Rep. Sanford Bishop [D, GA-2]
Rep. Timothy Bishop [D, NY-1]
Rep. Earl Blumenauer [D, OR-3]
Rep. Dan Boren [D, OK-2]
Rep. Leonard Boswell [D, IA-3]
Rep. Frederick Boucher [D, VA-9]
Rep. F. Allen Boyd [D, FL-2]
Rep. Nancy Boyda [D, KS-2]
Rep. Robert Brady [D, PA-1]
Rep. Bruce Braley [D, IA-1]
Rep. Corrine Brown [D, FL-3]
Rep. George Butterfield [D, NC-1]
Rep. Lois Capps [D, CA-23]
Rep. Michael Capuano [D, MA-8]
Rep. Dennis Cardoza [D, CA-18]
Rep. Russ Carnahan [D, MO-3]
Rep. Julia Carson [D, IN-7]
Rep. Kathy Castor [D, FL-11]
Rep. Ben Chandler [D, KY-6]
Rep. Yvette Clarke [D, NY-11]
Rep. William Clay [D, MO-1]
Rep. Emanuel Cleaver [D, MO-5]
Rep. James Clyburn [D, SC-6]
Rep. Steve Cohen [D, TN-9]
Rep. John Conyers [D, MI-14]
Rep. Jim Cooper [D, TN-5]
Rep. Jim Costa [D, CA-20]
Rep. Jerry Costello [D, IL-12]
Rep. Joe Courtney [D, CT-2]
Rep. Robert Cramer [D, AL-5]
Rep. Joseph Crowley [D, NY-7]
Rep. Henry Cuellar [D, TX-28]
Rep. Elijah Cummings [D, MD-7]
Rep. Artur Davis [D, AL-7]
Rep. Danny Davis [D, IL-7]
Rep. Lincoln Davis [D, TN-4]
Rep. Susan Davis [D, CA-53]
Rep. Peter DeFazio [D, OR-4]
Rep. Diana DeGette [D, CO-1]
Rep. William Delahunt [D, MA-10]
Rep. Rosa DeLauro [D, CT-3]
Rep. Norman Dicks [D, WA-6]
Rep. John Dingell [D, MI-15]
Rep. Lloyd Doggett [D, TX-25]
Rep. Joe Donnelly [D, IN-2]
Rep. Michael Doyle [D, PA-14]
Rep. Thomas Edwards [D, TX-17]
Rep. Keith Ellison [D, MN-5]
Rep. Brad Ellsworth [D, IN-8]
Rep. Rahm Emanuel [D, IL-5]
Rep. Eliot Engel [D, NY-17]
Rep. Anna Eshoo [D, CA-14]
Rep. Bob Etheridge [D, NC-2]
Rep. Sam Farr [D, CA-17]
Rep. Chaka Fattah [D, PA-2]
Rep. Bob Filner [D, CA-51]
Rep. Barney Frank [D, MA-4]
Rep. Gabrielle Giffords [D, AZ-8]
Rep. Kirsten Gillibrand [D, NY-20]
Rep. Charles Gonzalez [D, TX-20]
Rep. Barton Gordon [D, TN-6]
Rep. Raymond Green [D, TX-29]
Rep. Raul Grijalva [D, AZ-7]
Rep. Luis Gutierrez [D, IL-4]
Rep. John Hall [D, NY-19]
Rep. Phil Hare [D, IL-17]
Rep. Jane Harman [D, CA-36]
Rep. Alcee Hastings [D, FL-23]
Rep. Stephanie Herseth Sandlin [D, SD-0]
Rep. Brian Higgins [D, NY-27]
Rep. Baron Hill [D, IN-9]
Rep. Maurice Hinchey [D, NY-22]
Rep. Rubén Hinojosa [D, TX-15]
Rep. Mazie Hirono [D, HI-2]
Rep. Paul Hodes [D, NH-2]
Rep. Tim Holden [D, PA-17]
Rep. Rush Holt [D, NJ-12]
Rep. Michael Honda [D, CA-15]
Rep. Darlene Hooley [D, OR-5]
Rep. Steny Hoyer [D, MD-5]
Rep. Jay Inslee [D, WA-1]
Rep. Steve Israel [D, NY-2]
Rep. Jesse Jackson [D, IL-2]
Rep. Sheila Jackson-Lee [D, TX-18]
Rep. William Jefferson [D, LA-2]
Rep. Eddie Johnson [D, TX-30]
Rep. Henry Johnson [D, GA-4]
Rep. Stephanie Jones [D, OH-11]
Rep. Steve Kagen [D, WI-8]
Rep. Paul Kanjorski [D, PA-11]
Rep. Marcy Kaptur [D, OH-9]
Rep. Patrick Kennedy [D, RI-1]
Rep. Dale Kildee [D, MI-5]
Rep. Carolyn Kilpatrick [D, MI-13]
Rep. Ronald Kind [D, WI-3]
Rep. Ron Klein [D, FL-22]
Rep. Dennis Kucinich [D, OH-10]
Rep. Nicholas Lampson [D, TX-22]
Rep. James Langevin [D, RI-2]
Rep. Tom Lantos [D, CA-12]
Rep. Rick Larsen [D, WA-2]
Rep. John Larson [D, CT-1]
Rep. Barbara Lee [D, CA-9]
Rep. Sander Levin [D, MI-12]
Rep. John Lewis [D, GA-5]
Rep. Daniel Lipinski [D, IL-3]
Rep. David Loebsack [D, IA-2]
Rep. Zoe Lofgren [D, CA-16]
Rep. Nita Lowey [D, NY-18]
Rep. Stephen Lynch [D, MA-9]
Rep. Tim Mahoney [D, FL-16]
Rep. Carolyn Maloney [D, NY-14]
Rep. Edward Markey [D, MA-7]
Rep. James Marshall [D, GA-8]
Rep. Jim Matheson [D, UT-2]
Rep. Doris Matsui [D, CA-5]
Rep. Carolyn McCarthy [D, NY-4]
Rep. Betty McCollum [D, MN-4]
Rep. James McDermott [D, WA-7]
Rep. James McGovern [D, MA-3]
Rep. Mike McIntyre [D, NC-7]
Rep. Jerry McNerney [D, CA-11]
Rep. Michael McNulty [D, NY-21]
Rep. Kendrick Meek [D, FL-17]
Rep. Gregory Meeks [D, NY-6]
Rep. Charles Melancon [D, LA-3]
Rep. Michael Michaud [D, ME-2]
Rep. George Miller [D, CA-7]
Rep. R. Bradley Miller [D, NC-13]
Rep. Harry Mitchell [D, AZ-5]
Rep. Alan Mollohan [D, WV-1]
Rep. Dennis Moore [D, KS-3]
Rep. Gwen Moore [D, WI-4]
Rep. James Moran [D, VA-8]
Rep. Patrick Murphy [D, PA-8]
Rep. John Murtha [D, PA-12]
Rep. Jerrold Nadler [D, NY-8]
Rep. Grace Napolitano [D, CA-38]
Rep. Richard Neal [D, MA-2]
Rep. James Oberstar [D, MN-8]
Rep. David Obey [D, WI-7]
Rep. John Olver [D, MA-1]
Rep. Solomon Ortiz [D, TX-27]
Rep. Frank Pallone [D, NJ-6]
Rep. William Pascrell [D, NJ-8]
Rep. Edward Pastor [D, AZ-4]
Rep. Donald Payne [D, NJ-10]
Rep. Ed Perlmutter [D, CO-7]
Rep. Collin Peterson [D, MN-7]
Rep. Earl Pomeroy [D, ND-0]
Rep. David Price [D, NC-4]
Rep. Nick Rahall [D, WV-3]
Rep. Charles Rangel [D, NY-15]
Rep. Silvestre Reyes [D, TX-16]
Rep. Laura Richardson [D, CA-37]
Rep. Ciro Rodriguez [D, TX-23]
Rep. Mike Ross [D, AR-4]
Rep. Steven Rothman [D, NJ-9]
Rep. Lucille Roybal-Allard [D, CA-34]
Rep. C.A. Dutch Ruppersberger [D, MD-2]
Rep. Bobby Rush [D, IL-1]
Rep. Timothy Ryan [D, OH-17]
Rep. John Salazar [D, CO-3]
Rep. Linda Sanchez [D, CA-39]
Rep. Loretta Sanchez [D, CA-47]
Rep. John Sarbanes [D, MD-3]
Rep. Janice Schakowsky [D, IL-9]
Rep. Adam Schiff [D, CA-29]
Rep. Allyson Schwartz [D, PA-13]
Rep. David Scott [D, GA-13]
Rep. Robert Scott [D, VA-3]
Rep. José Serrano [D, NY-16]
Rep. Joe Sestak [D, PA-7]
Rep. Carol Shea-Porter [D, NH-1]
Rep. Brad Sherman [D, CA-27]
Rep. Heath Shuler [D, NC-11]
Rep. Albio Sires [D, NJ-13]
Rep. Ike Skelton [D, MO-4]
Rep. Louise Slaughter [D, NY-28]
Rep. Adam Smith [D, WA-9]
Rep. Victor Snyder [D, AR-2]
Rep. Hilda Solis [D, CA-32]
Rep. Zackary Space [D, OH-18]
Rep. John Spratt [D, SC-5]
Rep. Fortney Stark [D, CA-13]
Rep. Bart Stupak [D, MI-1]
Rep. Betty Sutton [D, OH-13]
Rep. John Tanner [D, TN-8]
Rep. Ellen Tauscher [D, CA-10]
Rep. Gene Taylor [D, MS-4]
Rep. Bennie Thompson [D, MS-2]
Rep. C. Michael Thompson [D, CA-1]
Rep. John Tierney [D, MA-6]
Rep. Edolphus Towns [D, NY-10]
Rep. Mark Udall [D, CO-2]
Rep. Tom Udall [D, NM-3]
Rep. Christopher Van Hollen [D, MD-8]
Rep. Nydia Velazquez [D, NY-12]
Rep. Peter Visclosky [D, IN-1]
Rep. Timothy Walz [D, MN-1]
Rep. Debbie Wasserman Schultz [D, FL-20]
Rep. Maxine Waters [D, CA-35]
Rep. Diane Watson [D, CA-33]
Rep. Melvin Watt [D, NC-12]
Rep. Henry Waxman [D, CA-30]
Rep. Anthony Weiner [D, NY-9]
Rep. Peter Welch [D, VT-0]
Rep. Robert Wexler [D, FL-19]
Rep. Charles Wilson [D, OH-6]
Rep. Lynn Woolsey [D, CA-6]
Rep. David Wu [D, OR-1]
Rep. Albert Wynn [D, MD-4]
Rep. John Yarmuth [D, KY-3]

Close

Republicans Voting 'Aye'

Close

Rep. Robert Aderholt [R, AL-4]
Rep. Rodney Alexander [R, LA-5]
Rep. Roscoe Bartlett [R, MD-6]
Rep. Judy Biggert [R, IL-13]
Rep. Gus Bilirakis [R, FL-9]
Rep. Roy Blunt [R, MO-7]
Rep. Jo Bonner [R, AL-1]
Rep. Mary Bono Mack [R, CA-45]
Rep. John Boozman [R, AR-3]
Rep. Kevin Brady [R, TX-8]
Rep. Henry Brown [R, SC-1]
Rep. Virginia Brown-Waite [R, FL-5]
Rep. Vern Buchanan [R, FL-13]
Rep. Dan Burton [R, IN-5]
Rep. Ken Calvert [R, CA-44]
Rep. David Camp [R, MI-4]
Rep. Shelley Capito [R, WV-2]
Rep. John Carter [R, TX-31]
Rep. Michael Castle [R, DE-0]
Rep. Steven Chabot [R, OH-1]
Rep. Howard Coble [R, NC-6]
Rep. Tom Cole [R, OK-4]
Rep. Ander Crenshaw [R, FL-4]
Rep. Thomas Davis [R, VA-11]
Rep. David Davis [R, TN-1]
Rep. Charles Dent [R, PA-15]
Rep. Lincoln Diaz-Balart [R, FL-21]
Rep. Mario Diaz-Balart [R, FL-25]
Rep. John Doolittle [R, CA-4]
Rep. Thelma Drake [R, VA-2]
Rep. John Duncan [R, TN-2]
Rep. Jo Ann Emerson [R, MO-8]
Rep. Philip English [R, PA-3]
Rep. Terry Everett [R, AL-2]
Rep. Mary Fallin [R, OK-5]
Rep. Michael Ferguson [R, NJ-7]
Rep. Jeffrey Fortenberry [R, NE-1]
Rep. Vito Fossella [R, NY-13]
Rep. Rodney Frelinghuysen [R, NJ-11]
Rep. Elton Gallegly [R, CA-24]
Rep. Jim Gerlach [R, PA-6]
Rep. Wayne Gilchrest [R, MD-1]
Rep. Louis Gohmert [R, TX-1]
Rep. Robert Goodlatte [R, VA-6]
Rep. Kay Granger [R, TX-12]
Rep. Samuel Graves [R, MO-6]
Rep. Ralph Hall [R, TX-4]
Rep. Robin Hayes [R, NC-8]
Rep. Dean Heller [R, NV-2]
Rep. David Hobson [R, OH-7]
Rep. Kenny Hulshof [R, MO-9]
Rep. Duncan Hunter [R, CA-52]
Rep. Timothy Johnson [R, IL-15]
Rep. Walter Jones [R, NC-3]
Rep. Ric Keller [R, FL-8]
Rep. Peter King [R, NY-3]
Rep. Mark Kirk [R, IL-10]
Rep. John Kuhl [R, NY-29]
Rep. Ray LaHood [R, IL-18]
Rep. Thomas Latham [R, IA-4]
Rep. Steven LaTourette [R, OH-14]
Rep. Jerry Lewis [R, CA-41]
Rep. Ron Lewis [R, KY-2]
Rep. Frank LoBiondo [R, NJ-2]
Rep. Daniel Lungren [R, CA-3]
Rep. Kenny Marchant [R, TX-24]
Rep. Kevin McCarthy [R, CA-22]
Rep. Michael McCaul [R, TX-10]
Rep. Thaddeus McCotter [R, MI-11]
Rep. John McHugh [R, NY-23]
Rep. Howard McKeon [R, CA-25]
Rep. Cathy McMorris Rodgers [R, WA-5]
Rep. Candice Miller [R, MI-10]
Rep. Gary Miller [R, CA-42]
Rep. Jerry Moran [R, KS-1]
Rep. Tim Murphy [R, PA-18]
Rep. John Peterson [R, PA-5]
Rep. Joseph Pitts [R, PA-16]
Rep. Todd Platts [R, PA-19]
Rep. Ted Poe [R, TX-2]
Rep. Jon Porter [R, NV-3]
Rep. Deborah Pryce [R, OH-15]
Rep. James Ramstad [R, MN-3]
Rep. Ralph Regula [R, OH-16]
Rep. Dennis Rehberg [R, MT-0]
Rep. Dave Reichert [R, WA-8]
Rep. Rick Renzi [R, AZ-1]
Rep. Thomas Reynolds [R, NY-26]
Rep. Harold Rogers [R, KY-5]
Rep. Michael Rogers [R, AL-3]
Rep. Michael Rogers [R, MI-8]
Rep. Dana Rohrabacher [R, CA-46]
Rep. Ileana Ros-Lehtinen [R, FL-18]
Rep. H. James Saxton [R, NJ-3]
Rep. Jean Schmidt [R, OH-2]
Rep. Peter Sessions [R, TX-32]
Rep. Christopher Shays [R, CT-4]
Rep. John Shimkus [R, IL-19]
Rep. William Shuster [R, PA-9]
Rep. Michael Simpson [R, ID-2]
Rep. Christopher Smith [R, NJ-4]
Rep. Lamar Smith [R, TX-21]
Rep. Adrian Smith [R, NE-3]
Rep. Mark Souder [R, IN-3]
Rep. Lee Terry [R, NE-2]
Rep. William Thornberry [R, TX-13]
Rep. Todd Tiahrt [R, KS-4]
Rep. Patrick Tiberi [R, OH-12]
Rep. Michael Turner [R, OH-3]
Rep. Frederick Upton [R, MI-6]
Rep. Timothy Walberg [R, MI-7]
Rep. Greg Walden [R, OR-2]
Rep. James Walsh [R, NY-25]
Rep. Zach Wamp [R, TN-3]
Rep. David Weldon [R, FL-15]
Rep. Gerald Weller [R, IL-11]
Rep. Lynn Westmoreland [R, GA-3]
Rep. Edward Whitfield [R, KY-1]
Rep. Roger Wicker [R, MS-1]
Rep. Heather Wilson [R, NM-1]
Rep. Frank Wolf [R, VA-10]
Rep. C. W. Bill Young [R, FL-10]
Rep. Donald Young [R, AK-0]

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Others Voting 'Aye'

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Democrats Voting 'Nay'

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Republicans Voting 'Nay'

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Rep. W. Todd Akin [R, MO-2]
Rep. Michele Bachmann [R, MN-6]
Rep. Spencer Bachus [R, AL-6]
Rep. Richard Baker [R, LA-6]
Rep. James Barrett [R, SC-3]
Rep. Joe Barton [R, TX-6]
Rep. Brian Bilbray [R, CA-50]
Rep. Rob Bishop [R, UT-1]
Rep. Marsha Blackburn [R, TN-7]
Rep. John Boehner [R, OH-8]
Rep. Charles Boustany [R, LA-7]
Rep. Paul Broun [R, GA-10]
Rep. Michael Burgess [R, TX-26]
Rep. Stephen Buyer [R, IN-4]
Rep. John Campbell [R, CA-48]
Rep. Christopher Cannon [R, UT-3]
Rep. Eric Cantor [R, VA-7]
Rep. K. Michael Conaway [R, TX-11]
Rep. John Culberson [R, TX-7]
Rep. Geoff Davis [R, KY-4]
Rep. Nathan Deal [R, GA-9]
Rep. David Dreier [R, CA-26]
Rep. Vernon Ehlers [R, MI-3]
Rep. Tom Feeney [R, FL-24]
Rep. Jeff Flake [R, AZ-6]
Rep. James Forbes [R, VA-4]
Rep. Virginia Foxx [R, NC-5]
Rep. Trent Franks [R, AZ-2]
Rep. E. Scott Garrett [R, NJ-5]
Rep. John Gingrey [R, GA-11]
Rep. Virgil Goode [R, VA-5]
Rep. J. Dennis Hastert [R, IL-14]
Rep. Doc Hastings [R, WA-4]
Rep. Jeb Hensarling [R, TX-5]
Rep. Walter Herger [R, CA-2]
Rep. Peter Hoekstra [R, MI-2]
Rep. Bob Inglis [R, SC-4]
Rep. Darrell Issa [R, CA-49]
Rep. Samuel Johnson [R, TX-3]
Rep. Jim Jordan [R, OH-4]
Rep. Steve King [R, IA-5]
Rep. Jack Kingston [R, GA-1]
Rep. John Kline [R, MN-2]
Rep. Doug Lamborn [R, CO-5]
Rep. John Linder [R, GA-7]
Rep. Frank Lucas [R, OK-3]
Rep. Connie Mack [R, FL-14]
Rep. Donald Manzullo [R, IL-16]
Rep. James McCrery [R, LA-4]
Rep. Patrick Mchenry [R, NC-10]
Rep. John Mica [R, FL-7]
Rep. Jeff Miller [R, FL-1]
Rep. Marilyn Musgrave [R, CO-4]
Rep. Sue Myrick [R, NC-9]
Rep. Randy Neugebauer [R, TX-19]
Rep. Ronald Paul [R, TX-14]
Rep. Steven Pearce [R, NM-2]
Rep. Mike Pence [R, IN-6]
Rep. Thomas Petri [R, WI-6]
Rep. Tom Price [R, GA-6]
Rep. Adam Putnam [R, FL-12]
Rep. George Radanovich [R, CA-19]
Rep. Peter Roskam [R, IL-6]
Rep. Edward Royce [R, CA-40]
Rep. Paul Ryan [R, WI-1]
Rep. Bill Sali [R, ID-1]
Rep. F. James Sensenbrenner [R, WI-5]
Rep. John Shadegg [R, AZ-3]
Rep. Clifford Stearns [R, FL-6]
Rep. John Sullivan [R, OK-1]
Rep. Thomas Tancredo [R, CO-6]
Rep. Addison Wilson [R, SC-2]

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Others Voting 'Nay'

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Democrats Voting 'Abstain'

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Rep. Thomas Allen [D, ME-1]
Rep. Robert Andrews [D, NJ-1]
Rep. Howard Berman [D, CA-28]
Rep. Christopher Carney [D, PA-10]
Rep. Al Green [D, TX-9]
Rep. Christopher Murphy [D, CT-5]

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Republicans Voting 'Abstain'

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Rep. Barbara Cubin [R, WY-0]
Rep. Jo Ann Davis [R, VA-1]
Rep. Bobby Jindal [R, LA-1]
Rep. Joseph Knollenberg [R, MI-9]
Rep. Devin Nunes [R, CA-21]
Rep. Charles Pickering [R, MS-3]

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Others Voting 'Abstain'

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---

See Full Voting History (4 votes)Hide Voting History     Show All Actions (42 actions)Hide Actions

Voting History

Date	Chamber	Question	Aye	Nay	Result
September 18, 2007	House	H.R.1852 Expanding American Homeownership Act of 2007 On Passage: H R 1852 Expanding American Homeownership Act of 2007	348	72	Passed	See Vote
September 18, 2007	House	H.R.1852 Expanding American Homeownership Act of 2007 On Motion to Recommit with Instructions: H R 1852 Expanding American Homeownership Act of 2007	209	216	Failed	See Vote
September 18, 2007	House	H.R.1852 Expanding American Homeownership Act of 2007 On Agreeing to the Amendment: Amendment 7 to H R 1852	175	252	Failed	See Vote
September 18, 2007	House	H.R.1852 Expanding American Homeownership Act of 2007 On Agreeing to the Amendment: Amendment 5 to H R 1852	148	280	Failed	See Vote

All Bill Actions

• Sep 19, 2007: Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
• Sep 18, 2007: DEBATE - Pursuant to the provisions of H. Res. 650, the Committee of the Whole proceeded with 10 minutes of debate on the Cardoza amendment.
• Sep 18, 2007: The Clerk was authorized to correct section numbers, punctuation, and cross references, and to make other necessary technical and conforming corrections in the engrossment of H.R. 1852.
• Passed roll in the House on Sep 18, 2007. On passage Passed by recorded vote: 348 - 72 (Roll no. 876).
• Sep 18, 2007: On motion to recommit with instructions Failed by the Yeas and Nays: 209 - 216 (Roll no. 875).
• Sep 18, 2007: The previous question on the motion to recommit with instructions was ordered without objection.
• Sep 18, 2007: DEBATE - The House proceeded with 10 minutes of debate on the Price(GA) 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 to clarify the identification individuals need to obtain affordable housing funds.
• Sep 18, 2007: Mr. Price (GA) moved to recommit with instructions to Financial Services.
• Sep 18, 2007: The House adopted the amendments en gross as agreed to by the Committee of the Whole House on the state of the Union.
• Sep 18, 2007: The previous question was ordered pursuant to the rule.
• Sep 18, 2007: The House rose from the Committee of the Whole House on the state of the Union to report H.R. 1852.
• Sep 18, 2007: UNFINISHED BUSINESS - The Chair announced that the unfinished business was the question of adoption of amendments which were debated earlier and on which further proceedings were postponed.
• Sep 18, 2007: POSTPONED PROCEEDINGS - At the conclusion of debate on the Biggert amendment, the Chair put the question on adoption of the amendment and by voice vote, announced that the noes had prevailed. Ms. Biggert demanded a recorded vote and the Chair postponed further proceedings on the question of adoption of the amendment until later in the legislative day.
• Sep 18, 2007: DEBATE - Pursuant to the provisions of H. Res. 650, the Committee of the Whole proceeded with 20 minutes of debate on the Biggert amendment in the nature of a substitute.
• Sep 18, 2007: DEBATE - Pursuant to the provisions of H. Res. 650, the Committee of the Whole proceeded with 10 minutes of debate on the Tiberi amendment.
• Sep 18, 2007: POSTPONED PROCEEDINGS - At the conclusion of debate on the Hensarling amendment, the Chair put the question on adoption of the amendment and by voice vote, announced that the noes had prevailed. Mr. Hensarling demanded a recorded vote and the Chair postponed further proceedings on the question of adoption of the amendment until later in the legislative day.
• Sep 18, 2007: DEBATE - Pursuant to the provisions of H. Res. 650, the Committee of the Whole proceeded with 10 minutes of debate on the Hensarling amendment.
• Sep 18, 2007: DEBATE - Pursuant to the provisions of H. Res. 650, the Committee of the Whole proceeded with 10 minutes of debate on the Bishop (NY) amendment.
• Sep 18, 2007: DEBATE - Pursuant to the provisions of H. Res. 650, the Committee of the Whole proceeded with 10 minutes of debate on the Gary Miller of California amendment.
• Sep 18, 2007: DEBATE - Pursuant to the provisions of H. Res. 650, the Committee of the Whole proceeded with 10 minutes of debate on the Tierney amendment.
• Sep 18, 2007: GENERAL DEBATE - The Committee of the Whole proceeded with one hour of general debate on H.R. 1852.
• Sep 18, 2007: The Speaker designated the Honorable Stephanie Tubbs Jones to act as Chairwoman of the Committee.
• Sep 18, 2007: House resolved itself into the Committee of the Whole House on the state of the Union pursuant to H. Res. 650 and Rule XVIII.
• Sep 18, 2007: ORDER OF PROCEDURE - Mr. Frank (MA) asked unanimous consent that, during further consideration of H.R. 1852 in the Committee of the Whole, pursuant to H. Res. 650, amendment No. 2 may be offered out of order and by a cosponsor. Agreed to without objection.
• Sep 18, 2007: Rule provides for consideration of H.R. 1852 with 1 hour of general debate. Previous question shall be considered as ordered without intervening motions except motion to recommit with or without instructions. Measure will be considered read. A specified amendment is in order.
• Sep 18, 2007: Considered under the provisions of rule H. Res. 650.
• Sep 18, 2007: Rule H. Res. 650 passed House.
• Sep 17, 2007: Rules Committee Resolution H. Res. 650 Reported to House. Rule provides for consideration of H.R. 1852 with 1 hour of general debate. Previous question shall be considered as ordered without intervening motions except motion to recommit with or without instructions. Measure will be considered read. A specified amendment is in order.
• Sep 17, 2007: Supplemental report filed by the Committee on Financial Services, H. Rept. 110-217, Part II.
• Sep 17, 2007: PERMISSION TO FILE SUPPLEMENTAL REPORT - Mr. Al Green (TX) asked unanimous consent that the Committee on Financial Services may have permission to file a supplemental report on H.R. 1852. Agreed to without objection.
• Added to calendar on Jun 28, 2007: Placed on the Union Calendar, Calendar No. 133..
• Jun 28, 2007: Reported (Amended) by the Committee on Financial Services. H. Rept. 110-217.
• Added to calendar on May 03, 2007: Ordered to be Reported (Amended) by the Yeas and Nays: 45 - 19..
• Added to calendar on May 03, 2007: Ordered to be Reported (Amended) by Voice Vote..
• May 03, 2007: Ordered to be Reported (Amended) by Voice Vote.
• May 02, 2007: Committee Consideration and Mark-up Session Held.
• Apr 24, 2007: Sponsor introductory remarks on measure. (CR H4032)
• Apr 24, 2007: Introductory remarks on measure. (CR H4032)
• Apr 19, 2007: Subcommittee Hearings Held.
• Apr 18, 2007: Referred to the Subcommittee on Financial Institutions and Consumer Credit.
• Mar 29, 2007: Referred to the House Committee on Financial Services.
• Introduced on Mar 29, 2007.

---

Related Bills:

• H.Res.650
• S.2325
• S.2338

Related Issue Areas:

• Consumer credit
• Aged
• Apartment houses
• Budgets
• 64 more
• Children
• Condominium (Housing)
• Congress
• Congressional investigations
• Congressional reporting requirements
• Consumer education
• Consumers
• Cooperative housing
• Correspondent banks
• Counseling
• Credit bureaus
• Day care
• Debtor and creditor
• Department of Housing and Urban Development
• Disaster relief
• Electronic data interchange
• Emergency management
• Executive departments
• Federal aid to housing
• Federal-local relations
• Federal-state relations
• Federally-guaranteed loans
• Finance
• Fines (Penalties)
• Foreclosure
• Government information
• Government paperwork
• Government trust funds
• Governmental investigations
• Hawaiians
• Home equity conversion
• Home ownership
• Housing finance
• Housing for the aged
• Identification devices
• Indian housing
• Indians
• Information technology
• Insurance premiums
• Law
• Loan defaults
• Low-income housing
• Minorities
• Mortgage banks
• Mortgage guaranty insurance
• Mortgages
• Prefabricated buildings
• Real estate appraisal
• Rental housing
• Residential rehabilitation
• Risk
• Settlement costs
• Single family housing
• Social services
• Standards
• State and local government
• Surety and fidelity
• Technology
• Telecommunication
• Welfare
• Housing
• Administrative procedure
• Affordable housing
• Mobile homes

Data from the Congressional Research Service

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