PSI Sci
New here? Follow the money and the votes · Not sure of your district? Find your U.S. House member · Find your state legislators

H.R. 4255: Stop Foreclosures Due to Congressional Dysfunction Act of 2014

Before you vote › Federal bills

H.R. 4255: Stop Foreclosures Due to Congressional Dysfunction Act of 2014

113th Congress · introduced 2014-03-14 · Housing and Community Development · Latest: Referred to the House Committee on Financial Services.

federal

Follow this bill, step by step

  1. Where it came from: introduced 2014-03-14 · official record
  2. Who proposed it: Rep. Cartwright, Matt [D-PA-17] · what a sponsor is
  3. What happened next: no floor votes in our records yet. Why?
  4. Where it stands now: Referred to the House Committee on Financial Services. Not final yet: this can still change. We check for updates every day.
  5. If it becomes law and spends money: follow the money to money laws, then agencies and contracts and grants.

What does this mean?

Official title

Stop Foreclosures Due to Congressional Dysfunction Act of 2014

Plain summary

Stop Foreclosures Due to Congressional Dysfunction Act of 2014 - Requires the Director of the Federal Housing Finance Agency (FHFA) to prohibit mortgagees of certain eligible mortgages from initiating a foreclosure during a specified six-month moratorium with respect to any of those mortgages owned, held, securitized, or guaranteed by the Federal National Mortgage Association (Fannie Mae) or the Federal Home Loan Mortgage Corporation (Freddie Mac). Tolls the term of such mortgages during the moratorium, and requires deferral of any principal and interest payments due. Qualifies for this mortatorium only Fannie Mae or Freddie Mac mortgages on a 1- to 4-family residence that is the principal residence of a mortgagor who: (1) was current on principal, interest, tax, and insurance payments at the start of the moratorium; (2) has received unemployment compensation during a certain period but exhausted all rights to it; and (3) as of the beginning of the moratorium has a ratio of debt to income on the mortgage greater than 40%.

Congressional Research Service summary (Introduced in House), quoted unchanged (nonpartisan). Read the source.

What a vote does

A “Yea” vote

If it passes both chambers and is signed, it becomes law.

A “Nay” vote

If it is not passed, current law stays as it is.

PSI Sci description of the legislative step (not an opinion).

What does this mean? (plain words)

Official text

Stop Foreclosures Due to Congressional Dysfunction Act of 2014

Source: Congressional Research Service summary (Introduced in House)

AI explanation – may be wrong, check the official text

No AI explanation yet. It takes up to a minute to write and is then saved for everyone.

Limited to a few requests an hour per person.

The strongest published arguments

Arguments for (supporters)

Needs sources: no published arguments on this side yet. We only show items backed by a published source. Suggest one.

Arguments against (opponents)

Needs sources: no published arguments on this side yet. We only show items backed by a published source. Suggest one.

Alternatives

Needs sources: no published alternatives yet (for example a different bill, a law instead of an amendment, or keeping current law). We only show items backed by a published source. Suggest one.

How did my representative vote? · This bill's floor votes

Officials and money

Sponsor: Rep. Cartwright, Matt [D-PA-17] · 66 cosponsors

Cost estimate: No cost estimate published yet.

Cosponsors on this site

Steven Horsford (D-NV), Chris Van Hollen (D-MD), Henry C. "Hank" Johnson, Jr. (D-GA), Paul Tonko (D-NY), Stephen F. Lynch (D-MA), Suzanne Bonamici (D-OR), Steve Cohen (D-TN), Marcy Kaptur (D-OH), Richard E. Neal (D-MA), Chellie Pingree (D-ME), Frank Pallone, Jr. (D-NJ), Eleanor Holmes Norton (D-DC), Judy Chu (D-CA), Mike Thompson (D-CA), Katherine M. Clark (D-MA), Frederica S. Wilson (D-FL), Zoe Lofgren (D-CA), André Carson (D-IN), Nydia M. Velázquez (D-NY), Mark Takano (D-CA), Rosa L. DeLauro (D-CT), Janice D. Schakowsky (D-IL), Kathy Castor (D-FL) and 6 more.

No linked floor roll calls in our collected records yet. This does not mean the bill has never had a vote. Check the official bill history.

Sources

Record fed-us-cong113-hr4255 · catalog fed-us-congress-bills-cong113 · updated 2026-11-15 by psicol fed-bills-cong113