United States · Bill · HR
H.R. 2226 (115th)
Portfolio Lending and Mortgage Access Act
Introduced
28 April 2017
Last action
7 March 2018 · Introduced
Status
Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Sponsors
Rep. Barr, Andy [R-KY-6], Rep. Amodei, Mark E. [R-NV-2], Rep. Emmer, Tom [R-MN-6], Rep. Hill, J. French [R-AR-2], Rep. Hultgren, Randy [R-IL-14], Rep. Johnson, Bill [R-OH-6], Rep. Lucas, Frank D. [R-OK-3], Rep. Luetkemeyer, Blaine [R-MO-3], Rep. Marchant, Kenny [R-TX-24], Rep. Messer, Luke [R-IN-6], Rep. Pearce, Stevan [R-NM-2], Rep. Pittenger, Robert [R-NC-9], Rep. Poliquin, Bruce [R-ME-2], Rep. Royce, Edward R. [R-CA-39], Rep. Rothfus, Keith J. [R-PA-12], Rep. Stewart, Chris [R-UT-2], Rep. Stivers, Steve [R-OH-15], Rep. Tipton, Scott R. [R-CO-3], Rep. Wagner, Ann [R-MO-2], Rep. Walberg, Tim [R-MI-5], Rep. Williams, Roger [R-TX-25], Rep. Davidson, Warren [R-OH-8], Rep. King, Peter T. [R-NY-2], Rep. Loudermilk, Barry [R-GA-11], Rep. McHenry, Patrick T. [R-NC-10], Rep. Posey, Bill [R-FL-8], Rep. Kustoff, David [R-TN-8], Rep. Huizenga, Bill [R-MI-4], Rep. Hollingsworth, Trey [R-IN-9], Rep. Duffy, Sean P. [R-WI-7], David Trott, Rep. Blum, Rod [R-IA-1], Rep. Arrington, Jodey C. [R-TX-19], Rep. Tenney, Claudia [R-NY-24], Rep. Ross, Dennis A. [R-FL-15], Rep. King, Steve [R-IA-4], Rep. Poe, Ted [R-TX-2], Rep. Coffman, Mike [R-CO-6], Rep. Womack, Steve [R-AR-3], Rep. Cole, Tom [R-OK-4], Rep. Boyle, Brendan F. [D-PA-2]
Subjects
Discovery layer
Source updated
5 December 2025
Summary
Portfolio Lending and Mortgage Access Act This bill amends the Truth in Lending Act to modify provisions related to residential mortgage loans. In general, a creditor that is a depository institution shall not be subject to suit for violating specified ability-to-pay requirements with respect to a residential mortgage loan if: (1) the creditor has consistently held the loan on its balance sheet, and (2) prepayment penalties associated with the loan comply with specified limitations. Similarly, a mortgage originator shall not be subject to suit for such a violation if: (1) the creditor is a depository institution; and (2) the creditor informs the mortgage originator, which informs the consumer, that the creditor intends to hold the loan on its balance sheet for the life of the loan.
This text is taken from the official record. PoliticalRepo does not editorialize.
Timeline
28 April 2017
Introduced
Referred to the House Committee on Financial Services.
Source: IntroReferral
28 April 2017
Introduced
Introduced in House
Source: IntroReferral
28 April 2017
Introduced
Introduced in House
Source: IntroReferral
17 January 2018
Committee
Committee Consideration and Mark-up Session Held.
Source: Committee
18 January 2018
Vote
Ordered to be Reported (Amended) by the Yeas and Nays: 55 - 0.
Source: Committee
18 January 2018
Committee
Committee Consideration and Mark-up Session Held.
Source: Committee
23 February 2018
Calendars
Placed on the Union Calendar, Calendar No. 438.
Source: Calendars
23 February 2018
Reported
Reported (Amended) by the Committee on Financial Services. H. Rept. 115-578.
Source: Committee
23 February 2018
Reported
Reported (Amended) by the Committee on Financial Services. H. Rept. 115-578.
Source: Committee
6 March 2018
Passed
Motion to reconsider laid on the table Agreed to without objection.
Source: Floor
6 March 2018
Passed
On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote. (text: CR H1389-1390)
Source: Floor
6 March 2018
Passed
Passed/agreed to in House: On motion to suspend the rules and pass the bill, as amended Agreed to by voice vote.(text: CR H1389-1390)
Source: Floor
6 March 2018
Floor
DEBATE - The House proceeded with forty minutes of debate on H.R. 2226.
Source: Floor
6 March 2018
Floor
Considered under suspension of the rules. (consideration: CR H1389-1393)
Source: Floor
6 March 2018
Floor
Mr. Barr moved to suspend the rules and pass the bill, as amended.
Source: Floor
7 March 2018
Introduced
Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Source: IntroReferral
Votes
No vote records are attached yet.
Versions
- Referred in Senate · 7 March 2018 · Download file
- Engrossed in House · 6 March 2018 · Download file
- Reported in House · 23 February 2018 · Download file
- Introduced in House · 28 April 2017 · Download file
Documents
11 official files
Referred in Senate (text)
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Leesvertaling
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Referred in Senate (text)
Referred in Senate · EN · 7 March 2018
Referred in Senate (PDF)
Referred in Senate · EN · 7 March 2018
ViewDownloadOpen at official source
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Engrossed in House (text)
Engrossed in House · EN · 6 March 2018
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Engrossed in House (PDF)
Engrossed in House · EN · 6 March 2018
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Passed House amended
summary · EN · 6 March 2018
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Reported in House (text)
Reported in House · EN · 23 February 2018
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Reported in House (PDF)
Reported in House · EN · 23 February 2018
ViewDownloadOpen at official source
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Reported to House with amendment(s)
summary · EN · 23 February 2018
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Introduced in House (text)
Introduced in House · EN · 28 April 2017
ViewDownloadOpen at official source
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Documentvertaling op verzoek met downloadbare PDF (logo + link naar de officiële bron). Het bronbestand blijft leidend.
Introduced in House (PDF)
Introduced in House · EN · 28 April 2017
ViewDownloadOpen at official source
Leesvertaling
Vertaal dit document naar jouw taal. PoliticalRepo bewaart geen aparte kopie per EU-taal.
Documentvertaling op verzoek met downloadbare PDF (logo + link naar de officiële bron). Het bronbestand blijft leidend.
Introduced in House
summary · EN · 28 April 2017
Leesvertaling
Vertaal dit document naar jouw taal. PoliticalRepo bewaart geen aparte kopie per EU-taal.
Documentvertaling op verzoek met downloadbare PDF (logo + link naar de officiële bron). Het bronbestand blijft leidend.
Sponsors
- Rep. Barr, Andy [R-KY-6] · R · Sponsor
- Rep. Amodei, Mark E. [R-NV-2] · R · Sponsor
- Rep. Emmer, Tom [R-MN-6] · R · Sponsor
- Rep. Hill, J. French [R-AR-2] · R · Sponsor
- Rep. Hultgren, Randy [R-IL-14] · R · Sponsor
- Rep. Johnson, Bill [R-OH-6] · R · Sponsor
- Rep. Lucas, Frank D. [R-OK-3] · R · Sponsor
- Rep. Luetkemeyer, Blaine [R-MO-3] · R · Sponsor
- Rep. Marchant, Kenny [R-TX-24] · R · Sponsor
- Rep. Messer, Luke [R-IN-6] · R · Sponsor
- Rep. Pearce, Stevan [R-NM-2] · R · Sponsor
- Rep. Pittenger, Robert [R-NC-9] · R · Sponsor
- Rep. Poliquin, Bruce [R-ME-2] · R · Sponsor
- Rep. Royce, Edward R. [R-CA-39] · R · Sponsor
- Rep. Rothfus, Keith J. [R-PA-12] · R · Sponsor
- Rep. Stewart, Chris [R-UT-2] · R · Sponsor
- Rep. Stivers, Steve [R-OH-15] · R · Sponsor
- Rep. Tipton, Scott R. [R-CO-3] · R · Sponsor
- Rep. Wagner, Ann [R-MO-2] · R · Sponsor
- Rep. Walberg, Tim [R-MI-5] · R · Sponsor
- Rep. Williams, Roger [R-TX-25] · R · Sponsor
- Rep. Davidson, Warren [R-OH-8] · R · Sponsor
- Rep. King, Peter T. [R-NY-2] · R · Sponsor
- Rep. Loudermilk, Barry [R-GA-11] · R · Sponsor
- Rep. McHenry, Patrick T. [R-NC-10] · R · Sponsor
- Rep. Posey, Bill [R-FL-8] · R · Sponsor
- Rep. Kustoff, David [R-TN-8] · R · Sponsor
- Rep. Huizenga, Bill [R-MI-4] · R · Sponsor
- Rep. Hollingsworth, Trey [R-IN-9] · R · Sponsor
- Rep. Duffy, Sean P. [R-WI-7] · R · Sponsor
- David Trott · R · Sponsor
- Rep. Blum, Rod [R-IA-1] · R · Sponsor
- Rep. Arrington, Jodey C. [R-TX-19] · R · Cosponsor
- Rep. Tenney, Claudia [R-NY-24] · R · Cosponsor
- Rep. Ross, Dennis A. [R-FL-15] · R · Cosponsor
- Rep. King, Steve [R-IA-4] · R · Cosponsor
- Rep. Poe, Ted [R-TX-2] · R · Cosponsor
- Rep. Coffman, Mike [R-CO-6] · R · Cosponsor
- Rep. Womack, Steve [R-AR-3] · R · Cosponsor
- Rep. Cole, Tom [R-OK-4] · R · Cosponsor
- Rep. Boyle, Brendan F. [D-PA-2] · D · Cosponsor
- · ssbk00 · Standing
- · hsba00 · Standing
Related records
- related to → Financial CHOICE Act of 2017
- related to → CLEARR Act of 2017
- related to ← Financial Services and General Government Appropriations Act, 2018
- related to ← Make America Secure and Prosperous Appropriations Act, 2018
- related to ← Portfolio Lending and Mortgage Access Act
- related to ← Economic Growth, Regulatory Relief, and Consumer Protection Act
- related to ← Portfolio Lending and Mortgage Access Act
Sources
PoliticalRepo is an index and interpretation layer, not the authoritative legal source.
- Official source: https://www.congress.gov/bill/115th-congress/house-bill/2226
- Open data entity: https://api.congress.gov/v3/bill/115/hr/2226
- us · 115-hr-2226 · source updated 5 December 2025