Mortgage Loan Consumer Protection Act

referredUnited States· United States Congress· EN

Introduced

22 May 2002

Last action

31 May 2002 · Referred

Status

Referred to the Subcommittee on Housing and Community Opportunity.

Summary

Mortgage Loan Consumer Protection Act - Amends the Truth in Lending Act, with respect to credit extensions secured by a real property interest, to revise the category of excluded finance charge items. Amends the Real Estate Settlement Procedures Act, with respect to the uniform settlement statement, to require: (1) separate lines for "closing costs, "prepaid items," and "all other costs paid at closing"; (2) at least two days' advance availability of the final settlement statement; and (3) disclosure of all lender fees. Provides, with respect to special information booklets, for: (1) harmonization of good faith estimates and settlement statements; and (2) inclusion of refinancing and upfront payment option information. Prohibits markups and unearned fees. Sets forth servicer escrow-related liabilities. Revises damage and cost, and jurisdiction and statute of limitations provisions.

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

Timeline

22 May 2002
Introduced
Referred to the House Committee on Financial Services.
Source: IntroReferral
22 May 2002
Introduced
Introduced in House
Source: IntroReferral
22 May 2002
Introduced
Introduced in House
Source: IntroReferral
23 May 2002
Introduced
Sponsor introductory remarks on measure. (CR E897-898)
Source: IntroReferral
31 May 2002
Referred
Referred to the Subcommittee on Housing and Community Opportunity.
Source: Committee

Votes

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Versions

Introduced in House · 22 May 2002 · Download file

Documents

3 official files

Introduced in House (text)

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Introduced in House (text)
Introduced in House · EN · 22 May 2002
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Introduced in House (PDF)
Introduced in House · EN · 22 May 2002
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Introduced in House
summary · EN · 22 May 2002
Open at official source
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Related records

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Sources

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Official source: https://www.congress.gov/bill/107th-congress/house-bill/4818
Open data entity: https://api.congress.gov/v3/bill/107/hr/4818
us · 107-hr-4818 · source updated 19 August 2025