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Huizenga Introduces Legislation To Help Low & Middle Income Families

Monetary Policy and Trade Subcommittee Chairman Bill Huizenga (MI-02) released the following statement after introducing The Mortgage Choice Act of 2015, bipartisan legislation to help low and middle income Americans gain access to a qualified mortgage:

“Hardworking families across the nation should not be denied access to a qualified mortgage because of technicalities that are largely out of their control. The goal of The Mortgage Choice Act of 2015 is to help low and middle income borrowers, as well as prospective first-time homeowners, realize a portion of the American Dream by owning their own home.  This legislation is narrowly tailored to promote access to affordable mortgage credit without overturning the important consumer protections and sound underwriting requirements specified by Dodd-Frank's 'ability to repay' provision. I am glad to see strong support for this reform from both Democrats and Republicans.”

H.R. 685, The Mortgage Choice Act of 2015, unanimously passed the House during the 113th Congress as H.R. 3211 but was not taken up for a vote in the Senate.  The original cosponsors of the legislation include five Democrats and four Republicans. 

  • Rep. Gregory Meeks [D-NY-5]
  • Rep. Edward Royce [R-CA-39]
  • Rep. David Scott [D-GA-13]
  • Rep. David Joyce [R-OH-14]
  • Rep. Michael Doyle [D-PA-14]
  • Rep. Steve Stivers [R-OH-15]
  • Rep. Patrick Murphy [D-FL-18]        
  • Rep. Stephen Fincher [R-TN-8]
  • Rep. Betty McCollum [D-MN-4]         
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