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Key Votes

A 8972 - Foreclosure and Lending - Key Vote

New York Key Votes

Dick Gottfried voted Yea (Passage) on this Legislation.

Read statements Dick Gottfried made in this general time period.

Stages

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Issues

Stage Details

Legislation - Bill Sent To Committee (Senate) -
Legislation - Bill Passed (House) (113-21) - (Key vote)

Title: Foreclosure and Lending

Highlights:
-Requires mortgage brokers to act in borrower’s best interest and disclose all facts that might affect borrower’s rights, interests, or ability to receive intended benefit from the home loan (Sec. 1). -Prohibits providers of subprime loans and nontraditional home loans from setting payments that are more than three times as large as the average of previous payments, modifying or deferring fees, or convincing borrowers to take out a second loan that is not beneficial to them (Sec. 4). -Prohibits lenders from avoiding provisions of this bill by splitting the loan transaction into separate parts, with the exception of lenders who fail to comply because of an error (Sec. 6).
Legislation - Introduced (House) -

Title: Foreclosure and Lending

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