•HRES 825 RH 
of the Whole House on the state of the Union for consider-
ation of the bill (H.R. 3915) to amend the Truth in Lend-
ing Act to reform consumer mortgage practices and pro-
vide accountability for such practices, to establish licens-
ing and registration requirements for residential mortgage 
originators, to provide certain minimum standards for 
consumer mortgage loans, and for other purposes. The 
first reading of the bill shall be dispensed with. All points 
of order against consideration of the bill are waived except 
those arising under clause 9 or 10 of rule XXI. General 
debate shall be confined to the bill and shall not exceed 
one hour equally divided and controlled by the chairman 
and ranking minority member of the Committee on Finan-
cial Services. After general debate the bill shall be consid-
ered for amendment under the five-minute rule. It shall 
be in order to consider as an original bill for the purpose 
of amendment under the five-minute rule the amendment 
in the nature of a substitute recommended by the Com-
mittee on Financial Services now printed in the bill. The 
committee amendment in the nature of a substitute shall 
be considered as read. All points of order against the com-
mittee amendment in the nature of a substitute are waived 
except those arising under clause 10 of rule XXI. Notwith-
standing clause 11 of rule XVIII, no amendment to the 
committee amendment in the nature of a substitute shall 
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•HRES 825 RH 
be in order except those printed in the report of the Com-
mittee on Rules accompanying this resolution. Each such 
amendment may be offered only in the order printed in 
the report, may be offered only by a Member designated 
in the report, shall be considered as read, shall be debat-
able for the time specified in the report equally divided 
and controlled by the proponent and an opponent, shall 
not be subject to amendment except as specified in the 
report, and shall not be subject to a demand for division 
of the question in the House or in the Committee of the 
Whole. All points of order against such amendments are 
waived except those arising under clause 9 or 10 of rule 
XXI. At the conclusion of consideration of the bill for 
amendment the Committee shall rise and report the bill 
to the House with such amendments as may have been 
adopted. Any Member may demand a separate vote in the 
House on any amendment adopted in the Committee of 
the Whole to the bill or to the committee amendment in 
the nature of a substitute. The previous question shall be 
considered as ordered on the bill and amendments thereto 
to final passage without intervening motion except one 
motion to recommit with or without instructions. 
SEC. 2. During consideration in the House of H.R. 
3915 pursuant to this resolution, notwithstanding the op-
eration of the previous question, the Chair may postpone 
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•HRES 825 RH 
further consideration of the bill to such time as may be 
designated by the Speaker. 
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House Calendar No. 157 
110TH CONGRESS 
1ST SESSION 
H. RES. 825 
[Report No. 110–450] 
RESOLUTION 
Providing for consideration of the bill (H.R. 3915) 
to amend the Truth in Lending Act to reform 
consumer mortgage practices and provide ac-
countability for such practices, to establish li-
censing and registration requirements for resi-
dential mortgage originators, to provide certain 
minimum standards for consumer mortgage 
loans, and for other purposes. 
NOVEMBER 14, 2007 
Referred to the House Calendar and ordered to be 
printed 
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