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United States · Bill · HR

H.R. 3609 (110th)

Emergency Home Ownership and Mortgage Equity Protection Act of 2007

reportedUnited States· United States Congress· EN

Introduced

20 September 2007

Last action

12 December 2007 · Committee

Status

Ordered to be Reported (Amended) by the Yeas and Nays: 17 - 15.

Sponsors

Rep. Miller, Brad [D-NC-13], Rep. Sánchez, Linda T. [D-CA-38], Rep. Frank, Barney [D-MA-4], Rep. Maloney, Carolyn B. [D-NY-12], Rep. Watt, Melvin L. [D-NC-12], Rep. Johnson, Henry C. "Hank" [D-GA-4], Rep. Cohen, Steve [D-TN-9], Rep. Ellison, Keith [D-MN-5], Rep. Nadler, Jerrold [D-NY-12], Rep. Delahunt, William D. [D-MA-10], Rep. Davis, Artur [D-AL-7], Rep. Sanchez, Loretta [D-CA-46], Rep. Gutierrez, Luis V. [D-IL-4], Rep. Miller, George [D-CA-11], Rep. Lofgren, Zoe [D-CA-18], Rep. Green, Al [D-TX-9], Rep. Clarke, Yvette D. [D-NY-9], Rep. Butterfield, G. K. [D-NC-1], Del. Bordallo, Madeleine Z. [D-GU-At Large], Rep. Sutton, Betty [D-OH-13], Sen. Van Hollen, Chris [D-MD], Rep. Stark, Fortney Pete [D-CA-13], Rep. Jones, Stephanie Tubbs [D-OH-11], Rep. Wasserman Schultz, Debbie [D-FL-25], Rep. Hastings, Alcee L. [D-FL-20], Rep. Hinchey, Maurice D. [D-NY-22], Rep. Lowey, Nita M. [D-NY-17], Rep. Blumenauer, Earl [D-OR-3], Rep. Woolsey, Lynn C. [D-CA-6], Rep. Hare, Phil [D-IL-17], Rep. Ackerman, Gary L. [D-NY-5], Rep. Ryan, Tim [D-OH-13], Rep. Filner, Bob [D-CA-51], Rep. Grijalva, Raúl M. [D-AZ-7], Rep. Wynn, Albert Russell [D-MD-4], Rep. McDermott, Jim [D-WA-7], Rep. Jackson, Jesse L., Jr. [D-IL-2], Rep. Loebsack, David [D-IA-2], Del. Christensen, Donna M. [D-VI-At Large], Rep. Schakowsky, Janice D. [D-IL-9], Rep. Cleaver, Emanuel [D-MO-5], Rep. Honda, Michael M. [D-CA-15], Rep. Cummings, Elijah E. [D-MD-7], Rep. Conyers, John, Jr. [D-MI-13], Rep. Chabot, Steve [R-OH-1], Rep. Sherman, Brad [D-CA-32], Rep. Waters, Maxine [D-CA-43], Rep. Doggett, Lloyd [D-TX-37]

Subjects

Discovery layer

Source updated

14 August 2025

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Summary

Emergency Home Ownership and Mortgage Equity Protection Act of 2007 - Amends federal bankruptcy law governing a chapter 13 debtor (adjustment of debts of an individual with regular income) to prohibit the holder of a claim in bankruptcy which is secured by debtor's principal residence from adding fees, costs, or charges while the case is pending, unless such claimholder gives timely notice to both debtor and the bankruptcy trustee. Revises requirements for the discretionary features of a chapter 13 debtor's plan. Removes the prohibition against modification of the rights of a holder of a claim secured only by an interest in real property that is the debtor's principal residence. (Thus allows a plan to modify such rights.) Authorizes a chapter 13 bankruptcy plan to provide for payment of allowed claims secured by the debtor's principal residence over a period that exceeds a specified time frame. Eliminates the pre-petition credit counseling requirement for a chapter 13 debtor facing foreclosure if the debtor submits a certification to the court that the holder of a claim secured by the debtor's principal residence has initiated foreclosure on that residence. Adds to conditions for court confirmation of a plan in bankruptcy that the holder of an allowed claim secured by the debtor's principal residence shall retain the lien securing such claim until the claim is paid. Excludes from final discharge of a debtor from all debts any allowed claim secured by the debtor's principal residence before such claim is paid.

This text is taken from the official record. PoliticalRepo does not editorialize.

Timeline

  1. 20 September 2007

    Introduced

    Introduced in House

    Source: IntroReferral

  2. 20 September 2007

    Introduced

    Referred to the House Committee on the Judiciary.

    Source: IntroReferral

  3. 20 September 2007

    Introduced

    Introduced in House

    Source: IntroReferral

  4. 3 October 2007

    Referred

    Referred to the Subcommittee on Commercial and Administrative Law.

    Source: Committee

  5. 4 October 2007

    Vote

    Forwarded by Subcommittee to Full Committee by the Yeas and Nays: 5 - 4 .

    Source: Committee

  6. 4 October 2007

    Committee

    Subcommittee Consideration and Mark-up Session Held.

    Source: Committee

  7. 12 December 2007

    Vote

    Ordered to be Reported (Amended) by the Yeas and Nays: 17 - 15.

    Source: Committee

  8. 12 December 2007

    Committee

    Committee Consideration and Mark-up Session Held.

    Source: Committee

Votes

No vote records are attached yet.

Versions

Documents

3 official files

Introduced in House (text)

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  • Introduced in House (text)

    Introduced in House · EN · 20 September 2007

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  • Introduced in House (PDF)

    Introduced in House · EN · 20 September 2007

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  • Introduced in House

    summary · EN · 20 September 2007

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Sponsors

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Related records

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Sources

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