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H.R. 4521: Community Institution Mortgage Relief Act of 2014

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H.R. 4521: Community Institution Mortgage Relief Act of 2014

113th Congress · introduced 2014-04-30 · Housing and Community Development · Latest: Ordered to be Reported by the Yeas and Nays: 43 - 16.

federal

Follow this bill, step by step

  1. Where it came from: introduced 2014-04-30 · official record
  2. Who proposed it: Rep. Luetkemeyer, Blaine [R-MO-3] · what a sponsor is
  3. What happened next: no floor votes in our records yet. Why?
  4. Where it stands now: Ordered to be Reported by the Yeas and Nays: 43 - 16. 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

Community Institution Mortgage Relief Act of 2014

Plain summary

Community Institution Mortgage Relief Act of 2014 - Amends the Truth in Lending Act (TILA) to require the Board of Governors of the Federal Reserve System to exempt from certain escrow or impound requirements a loan secured by a first lien on a consumer's principal dwelling if the loan is held by a creditor with assets of $10 billion or less. Amends the Real Estate Settlement Procedures Act of 1974 to direct the Consumer Financial Protection Bureau (CFPB) to provide either exemptions or adjustments from the mortgage loan servicing and escrow account administration requirements of the Act for servicers that annually service 20,000 or fewer mortgage loans.

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

Community Institution Mortgage Relief Act of 2014

Source: Congressional Research Service summary (Introduced in House)

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The strongest published arguments

Arguments for (supporters)

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Arguments against (opponents)

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Alternatives

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

Officials and money

Sponsor: Rep. Luetkemeyer, Blaine [R-MO-3] · 37 cosponsors

Cost estimate: No cost estimate published yet.

Cosponsors on this site

Tom Cotton (R-AR), Andy Barr (R-KY), Steve Womack (R-AR), Frank D. Lucas (R-OK), Kevin Cramer (R-ND), Steve Daines (R-MT), James Lankford (R-OK), Pete Sessions (R-TX), Bill Cassidy (R-LA)

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.

Words on this page, explained (1)
Exemption
A rule that removes certain people, property or activities from a tax or requirement.

Plain meanings written from linked sources. All words.

Sources

Record fed-us-cong113-hr4521 · catalog fed-us-congress-bills-cong113 · updated 2026-11-15 by psicol fed-bills-cong113