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| [ | | **November 15, | > [Fo                               |      |    | [ |
| ] | | 2007**         | r](http://blackburn.houseenews.net/ |      |    | ] |
| ( | |                | mail/util.cfm?mailaction=unsubscrib |      |    | ( |
| m | |                | e&gpiv=1999961104.101737.388&gen=1) |      |    | m |
| e | |                | > Immediate Release                 |      |    | e |
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Press Contact: Matt Lambert <matt.lambert@mail.house.gov> 202.225.2811

**Blackburn \-- \"Secure Mortgage Practices Need Secure ID\"**

The following floor statement was presented by Congressman Marsha
Blackburn (TN) in support of the Republican Motion to Recommit on H.R.
3915, the Mortgage Reform and Predatory Lending Act of 2008. This motion
called for tougher standards that prohibit illegal immigrants from
gaining access to American financial markets by requiring financial
institutions to only accept secure, government-issued forms of
identification.

**\"Mr. Speaker, as we have already heard today H.R. 3915 is a dramatic
departure from current law that I believe will have an unintended
negative impact on banks and credit-worthy homebuyers.**

**\"It is my opinion that in an attempt to improve conditions in the
housing market, this bill instead will likely prevent more hard-working
Americans from obtaining a mortgage in a market that is already feeling
the pinch. They need more help \-- not road blocks.**

**\"The legislation before the House today may do more harm than good.**

**\"Yet reasonable people may disagree, and I respect my colleagues on
both sides of the aisle for their varying positions on the
legislation.**

**\"However, I believe most of my colleagues [cannot]{.underline}
disagree with the following proposition: American creditors should not
be able to extend any credit in connection with a residential mortgage
loan unless they verify the identity and legal immigration status of a
potential debtor, and verify that status with ONLY a secure ID.**

**\"This just makes simple common sense. The American people do not
believe that illegal immigrants and other individuals without proper
identification are entitled to the same benefits and services as U.S.
citizens and legal aliens. To extend such benefits only reinforces their
notion that the laws of this land exist only on paper.**

**\"This motion to recommit will help preserve what little faith the
American people have left that this government is serious about denying
services to those that are not entitled. It is quite simple. The
motion:**

**(1) requires creditors to verify the identity of an individual seeking
to obtain a loan for a residential mortgage; and (2) prevents a creditor
from accepting, for the purpose of verification, any form of
identification other than a Social Security card with photo
identification, a REAL ID identification card, a passport, or USCIS
issued photo identification card.**

**\"Mr. Speaker, the American people have spoken out load and clear on
this particular issue. They do not believe that illegal immigrants,
international criminals, and those that may wish this nation harm should
have access to American financial markets. That is why I introduced H.R.
1314, the Photo Identification Security Act.**

**\"The legislation responded to plans and action by firms in the
financial services sector to affirmatively target this population by
accepting insecure identification. My office was flooded with phone
calls, emails, and letters from across the country. Many included credit
cards they cut up in protest of their bank\'s decision.**

**\"This motion to recommit adopts much of the language in H.R. 1314,
and will provide American citizens the reassurance they need that the
financial services sector is secure. It doesn\'t solve all the problems
of the underlying legislation, but it certainly is a start.**

**\"Let\'s take one step forward for the security of the financial
markets, Mr. Speaker, and support this motion to recommit.\"**

 

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