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H.R. 3609 · 110th Congress

Emergency Home Ownership and Mortgage Equity Protection Act of 2007

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Never voted on. It didn't reach a floor vote before the 110th Congress ended, so it expired. A bill has to be introduced again to be considered in a new Congress.

BMD MillerSponsor
87 cosponsors · 85 D, 2 R
BFD Frank CMD Maloney LSD Sánchez MWD Watt SCD Cohen KED Ellison HJD Johnson JND Nadler BDD Delahunt ADD Davis LGD Gutiérrez GMD Miller LSD Sanchez ZLD Lofgren MBD Bordallo GKD Butterfield YCD Clarke AGD Green BSD Sutton AHD Hastings SJD Jones PSD Stark CVD Van Hollen DWD Wasserman Schultz MHD Hinchey NLD Lowey EBD Blumenauer LWD Woolsey GAD Ackerman PHD Hare TRD Ryan BFD Filner RGD Grijalva JJD Jackson DLD Loebsack JMD McDermott AWD Wynn DCD Christensen ECD Cleaver JSD Schakowsky ECD Cummings MHD Honda SCR Chabot JCD Conyers LDD Doggett BSD Sherman MWD Waters BSD Scott SJD Jackson Lee EJD Johnson LRD Roybal-Allard JBD Baca DDD Davis JSD Sarbanes TAD Allen JDD Dingell CFD Fattah JLD Lewis KMD Meek HSD Solis BTD Thompson JSD Serrano ASD Sires CSD Shea-Porter MTR Turner HBD Berman CBD Brown ASD Schwartz WCD Clay JMD McGovern GND Napolitano GMD Meeks DPD Payne RBD Brady CKD Kilpatrick EMD Markey JOD Olver LSD Slaughter RDD DeLauro BMD McCollum BLD Lee JCD Courtney MKD Kaptur DKD Kucinich ETD Towns MCD Capuano DED Edwards

4 signed on when it was introduced; the rest joined later. Cosponsors who withdrew aren't shown.

Emergency Home Ownership and Mortgage Equity Protection Act of 2007 - Amends federal bankruptcy law governing a chapter 13 debtor (adjustment of debts of an individual with regular income) to prohibit the holder of a claim in bankruptcy which is secured by debtor's principal residence from adding fees, costs, or charges while the case is pending, unless…

What it does: CRS summary · Introduced in House · Sep 20, 2007

Emergency Home Ownership and Mortgage Equity Protection Act of 2007 - Amends federal bankruptcy law governing a chapter 13 debtor (adjustment of debts of an individual with regular income) to prohibit the holder of a claim in bankruptcy which is secured by debtor's principal residence from adding fees, costs, or charges while the case is pending, unless such claimholder gives timely notice to both debtor and the bankruptcy trustee.

Revises requirements for the discretionary features of a chapter 13 debtor's plan. Removes the prohibition against modification of the rights of a holder of a claim secured only by an interest in real property that is the debtor's principal residence. (Thus allows a plan to modify such rights.)

Authorizes a chapter 13 bankruptcy plan to provide for payment of allowed claims secured by the debtor's principal residence over a period that exceeds a specified time frame.

Eliminates the pre-petition credit counseling requirement for a chapter 13 debtor facing foreclosure if the debtor submits a certification to the court that the holder of a claim secured by the debtor's principal residence has initiated foreclosure on that residence.

Adds to conditions for court confirmation of a plan in bankruptcy that the holder of an allowed claim secured by the debtor's principal residence shall retain the lien securing such claim until the claim is paid.

Excludes from final discharge of a debtor from all debts any allowed claim secured by the debtor's principal residence before such claim is paid.

Written by the nonpartisan Congressional Research Service. All summary versions on Congress.gov

About this bill and sources

Official title: Emergency Home Ownership and Mortgage Equity Protection Act of 2007

Latest action (Dec 12, 2007): Ordered to be Reported (Amended) by the Yeas and Nays: 17 - 15.

Policy area: Law · Origin: House · Introduced: Sep 20, 2007

Official page on Congress.gov · Bill text (GovInfo) · Status record (XML)

No recorded floor vote found.