datamatters24/research-document-archive huggingface dataset:
114 
HR 1728 RFS 
‘‘(A) IN
GENERAL.—The Secretary shall 
establish, coordinate, and monitor the adminis-
tration by the Department of Housing and 
Urban Development of the counseling proce-
dures for homeownership counseling and rental 
housing counseling provided in connection with 
any program of the Department, including all 
requirements, 
standards, 
and 
performance 
measures that relate to homeownership and 
rental housing counseling. 
‘‘(B) HOMEOWNERSHIP
COUNSELING.— 
For purposes of this subsection and as used in 
the provisions referred to in this subparagraph, 
the term ‘homeownership counseling’ means 
counseling related to homeownership and resi-
dential mortgage loans. Such term includes 
counseling related to homeownership and resi-
dential mortgage loans that is provided pursu-
ant to— 
‘‘(i) section 105(a)(20) of the Housing 
and Community Development Act of 1974 
(42 U.S.C. 5305(a)(20)); 
‘‘(ii) in the United States Housing 
Act of 1937— 
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115 
HR 1728 RFS 
‘‘(I) section 9(e) (42 U.S.C. 
1437g(e)); 
‘‘(II) 
section 
8(y)(1)(D) 
(42 
U.S.C. 1437f(y)(1)(D)); 
‘‘(III) section 18(a)(4)(D) (42 
U.S.C. 1437p(a)(4)(D)); 
‘‘(IV) section 23(c)(4) (42 U.S.C. 
1437u(c)(4)); 
‘‘(V) section 32(e)(4) (42 U.S.C. 
1437z–4(e)(4)); 
‘‘(VI) section 33(d)(2)(B) (42 
U.S.C. 1437z–5(d)(2)(B)); 
‘‘(VII) sections 302(b)(6) and 
303(b)(7) 
(42 
U.S.C. 
1437aaa– 
1(b)(6), 1437aaa–2(b)(7)); and 
‘‘(VIII) section 304(c)(4) (42 
U.S.C. 1437aaa–3(c)(4)); 
‘‘(iii) section 302(a)(4) of the Amer-
ican Homeownership and Economic Oppor-
tunity Act of 2000 (42 U.S.C. 1437f note); 
‘‘(iv) sections 233(b)(2) and 258(b) of 
the Cranston-Gonzalez National Affordable 
Housing Act (42 U.S.C. 12773(b)(2), 
12808(b)); 
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116 
HR 1728 RFS 
‘‘(v) this section and section 101(e) of 
the Housing and Urban Development Act 
of 1968 (12 U.S.C. 1701x, 1701w(e)); 
‘‘(vi) section 220(d)(2)(G) of the Low- 
Income Housing Preservation and Resident 
Homeownership Act of 1990 (12 U.S.C. 
4110(d)(2)(G)); 
‘‘(vii) sections 422(b)(6), 423(b)(7), 
424(c)(4), 442(b)(6), and 443(b)(6) of the 
Cranston-Gonzalez 
National 
Affordable 
Housing Act (42 U.S.C. 12872(b)(6), 
12873(b)(7), 
12874(c)(4), 
12892(b)(6), 
and 12893(b)(6)); 
‘‘(viii) section 491(b)(1)(F)(iii) of the 
McKinney-Vento Homeless Assistance Act 
(42 U.S.C. 11408(b)(1)(F)(iii)); 
‘‘(ix) 
sections 
202(3) 
and 
810(b)(2)(A) of the Native American 
Housing and Self-Determination Act of 
1996 (25 U.S.C. 4132(3), 4229(b)(2)(A)); 
‘‘(x) in the National Housing Act— 
‘‘(I) in section 203 (12 U.S.C. 
1709), the penultimate undesignated 
paragraph of paragraph (2) of sub-
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(3) by redesignating paragraphs (3) through 
(9) as paragraphs (2) through (8), respectively. 
(nn) FAIR DEBT COLLECTION PRACTICES ACT.— 
Section 814(b) of the Fair Debt Collection Practices Act 
(15 U.S.C. 1692l(b)) is amended— 
(1) in paragraph (1)(A), by inserting ‘‘savings 
associations, the deposits of which are insured by 
the Federal Deposit Insurance Corporation,’’ before 
‘‘national banks’’; 
(2) by striking paragraph (2); and 
(3) by redesignating paragraphs (3) through 
(6) as paragraphs (2) through (5), respectively. 
(oo) ELECTRONIC FUND TRANSFER ACT.—Section 
917(a) of the Electronic Fund Transfer Act (15 U.S.C. 
1693o(a)) is amended— 
(1) in paragraph (1)(A), by inserting ‘‘savings 
associations, the deposits of which are insured by 
the Federal Deposit Insurance Corporation,’’ before 
‘‘national banks’’; 
(2) by striking paragraph (2); and 
(3) by redesignating paragraphs (3) through 
(5) as paragraphs (2) through (4), respectively. 
(pp) CHILDREN’S ONLINE PRIVACY PROTECTION 
ACT OF 1998.—Section 1306(b) of the Children’s Online 
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116TH CONGRESS 
1ST SESSION 
H. J. RES. 37 
JOINT RESOLUTION 
Directing the removal of United States Armed Forces from 
hostilities in the Republic of Yemen that have not been 
authorized by Congress. 
Resolved by the Senate and House of Representatives
of the United States of America in Congress assembled, 
SECTION 1. FINDINGS. 
Congress finds the following:
HR 1728 RFS 
(B) and who performs purely administrative or 
clerical tasks on behalf of a person who is de-
scribed in any such subparagraph, or (ii) an 
employee of a retailer of manufactured homes 
who is not described in clause (i) or (iii) of sub-
paragraph (A) and who does not advise a con-
sumer on loan terms (including rates, fees, and 
other costs); 
‘‘(D) does not include a person or entity 
that only performs real estate brokerage activi-
ties and is licensed or registered in accordance 
with applicable State law, unless such person or 
entity is compensated for performing such bro-
kerage activities by a lender, a mortgage 
broker, or other mortgage originator or by any 
agent of such lender, mortgage broker, or other 
mortgage originator; 
‘‘(E) does not include, with respect to a 
residential mortgage loan, a person, estate, or 
trust that provides mortgage financing for the 
sale of 1 property in any 36-month period, pro-
vided that such loan— 
‘‘(i) is fully amortizing; 
‘‘(ii) is with respect to a sale for 
which the seller determines in good faith 
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Privacy Protection Act of 1998 (15 U.S.C. 6505(b)) is 
amended— 
(1) in paragraph (1)(A), by inserting ‘‘savings 
associations, the deposits of which are insured by 
the Federal Deposit Insurance Corporation,’’ before 
‘‘national banks’’; 
(2) by striking paragraph (2); and 
(3) by redesignating paragraphs (3) through 
(6) as paragraphs (2) through (5), respectively. 
(qq) CONTROLLING THE ASSAULT OF NON-SOLIC-
ITED PORNOGRAPHY AND MARKETING ACT OF 2003.— 
Section 7(b)(1) of the Controlling the Assault of Non-So-
licited Pornography and Marketing Act of 2003 (15 
U.S.C. 7706(b)(1)) is amended— 
(1) in subparagraph (A), by inserting ‘‘savings 
associations, the deposits of which are insured by 
the Federal Deposit Insurance Corporation,’’ before 
‘‘national banks’’; 
(2) in subparagraph (B), by adding ‘‘and’’ at 
the end; 
(3) in subparagraph (C), by striking ‘‘and’’ at 
the end; and 
(4) by striking subparagraph (D). 
(rr) TITLE 18.—Title 18, United States Code, is 
amended— 
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(1) in section 212(c)(2)— 
(A) by striking subparagraph (C); and 
(B) by redesignating subparagraphs (D) 
through (H) as subparagraphs (C) through (G), 
respectively; 
(2) in section 657, by striking ‘‘Thrift Super-
vision’’ and inserting ‘‘the Comptroller of the Cur-
rency with respect to any functions transferred from 
the Office of Thrift Supervision pursuant to section 
202 of the Financial System Stabilization and Re-
form Act of 2009’’; 
(3) 
in 
the 
matter 
following 
section 
981(a)(1)(D)(vi), by striking ‘‘or the Office of Thrift 
Supervision’’; 
(4) 
in 
the 
matter 
following 
section 
982(a)(3)(F), by striking ‘‘or the Office of Thrift 
Supervision,’’; 
(5) in section 1006, by striking ‘‘Thrift Super-
vision’’ and inserting ‘‘the Comptroller of the Cur-
rency with respect to any functions transferred from 
the Office of Thrift Supervision pursuant to section 
202 of the Financial System Stabilization and Re-
form Act of 2009’’; 
(6) in section 1014, by striking ‘‘Thrift Super-
vision’’ and inserting ‘‘the Comptroller of the Cur-
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rency with respect to any functions transferred from 
the Office of Thrift Supervision pursuant to section 
202 of the Financial System Stabilization and Re-
form Act of 2009’’; and 
(7) in section 1032(1), by striking ‘‘or the Di-
rector of the Office of Thrift Supervision,’’. 
(ss) TITLE 31.—Title 31, United States Code, is 
amended— 
(1) by striking section 309; 
(2) in section 321(c)— 
(A) in paragraph (2), by striking ‘‘; and’’ 
and inserting a period; and 
(B) by striking paragraph (3); and 
(3) in section 714(1), by striking ‘‘the Office of 
the Comptroller of the Currency, and the Office of 
Thrift Supervision’’ and inserting ‘‘and the Office of 
the Comptroller of the Currency’’. 
(tt) FLOOD DISASTER PROTECTION ACT OF 1973.— 
Section 3(a)(5) of the Flood Disaster Protection Act of 
1973 (42 U.S.C. 4003(a)(5)) is amended by striking ‘‘the 
Office of Thrift Supervision,’’. 
(uu) NATIONAL FLOOD INSURANCE ACT OF 1968.— 
Section 1370(a)(9) of the National Flood Insurance Act 
of 1968 (42 U.S.C. 4121(a)(9)) is amended by striking 
‘‘the Office of Thrift Supervision,’’. 
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‘‘(2) provide a statement specifying whether the 
merchant or the consumer is responsible for main-
taining or servicing the property, together with a 
brief description of the responsibility; 
‘‘(3) provide that the consumer may terminate 
the agreement without paying any charges not pre-
viously due under the agreement by voluntarily sur-
rendering or returning the property that is the sub-
ject of the agreement upon expiration of any rental 
period; 
‘‘(4) contain a provision for reinstatement of 
the agreement, which at a minimum— 
‘‘(A) permits a consumer who fails to make 
a timely rental payment to reinstate the agree-
ment, without losing any rights or options 
which exist under the agreement, by the pay-
ment of all past due rental payments and any 
other charges then due under the agreement 
and a payment for the next rental period within 
7 business days after failing to make a timely 
rental payment if the consumer pays monthly, 
or within 3 business days after failing to make 
a timely rental payment if the consumer pays 
more frequently than monthly; 
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‘‘(B) if the consumer returns or voluntarily 
surrenders the property covered by the agree-
ment, other than through judicial process, dur-
ing the applicable reinstatement period set forth 
in subparagraph (A), permits the consumer to 
reinstate the agreement during a period of at 
least 60 days after the date of the return or 
surrender of the property by the payment of all 
amounts previously due under the agreement, 
any applicable fees, and a payment for the next 
rental period; 
‘‘(C) if the consumer has paid 50 percent 
or more of the total cost necessary to acquire 
ownership and returns or voluntarily surrenders 
the property, other than through judicial proc-
ess, during the applicable reinstatement period 
set forth in subparagraph (A), permits the con-
sumer to reinstate the agreement during a pe-
riod of at least 120 days after the date of the 
return of the property by the payment of all 
amounts previously due under the agreement, 
any applicable fees, and a payment for the next 
rental period; and 
‘‘(D) permits the consumer, upon rein-
statement of the agreement to receive the same 
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I 
111TH CONGRESS 
1ST SESSION H. R. 1732 
To amend the Energy Policy and Conservation Act to provide for standards 
for energy efficient outdoor lighting. 
IN THE HOUSE OF REPRESENTATIVES 
MARCH 26, 2009 
Ms. HARMAN (for herself and Mr. UPTON) introduced the following bill; which 
was referred to the Committee on Energy and Commerce 
A BILL 
To amend the Energy Policy and Conservation Act to provide 
for standards for energy efficient outdoor lighting. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Outdoor Lighting Effi-
ciency Act’’. 
SEC. 2. FINDINGS. 
The Congress finds as follows: 
(1) Of all the electricity generated in the United 
States, 4.4 percent is consumed for outdoor lighting. 
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IA 
116TH CONGRESS 
1ST SESSION 
H. J. RES. 56 
Directing the President to terminate the use of the United States Armed 
Forces with respect to the military intervention led by Saudi Arabia 
in the Republic of Yemen. 
IN THE HOUSE OF REPRESENTATIVES 
APRIL 10, 2019 
Mr. AMASH submitted the following joint resolution; which was referred to the 
Committee on Foreign Affairs 
JOINT RESOLUTION 
Directing the President to terminate the use of the United 
States Armed Forces with respect to the military inter-
vention led by Saudi Arabia in the Republic of Yemen. 
Resolved by the Senate and House of Representatives
of the United States of America in Congress assembled, 
That Congress directs the President to terminate the use 
of the United States Armed Forces with respect to the 
military intervention led by Saudi Arabia in the Republic 
of Yemen not later than the end of the period of 30 days 
beginning on the date of the enactment of this joint resolu-
tion unless and until a declaration of war or specific au-
VerDate Sep 11 2014 
22:04 Apr 10, 2019
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IB 
Union Calendar No. 64 
111TH CONGRESS 
1ST SESSION H. R. 1736 
[Report No. 111–128] 
To provide for the establishment of a committee to identify and coordinate 
international science and technology cooperation that can strengthen 
the domestic science and technology enterprise and support United States 
foreign policy goals. 
IN THE HOUSE OF REPRESENTATIVES 
MARCH 26, 2009 
Mr. BAIRD (for himself, Mr. EHLERS, Mr. LIPINSKI, Ms. EDDIE BERNICE 
JOHNSON of Texas, and Mr. CARNAHAN) introduced the following bill; 
which was referred to the Committee on Science and Technology 
MAY 21, 2009 
Additional sponsors: Mr. HOLT and Mr. MILLER of North Carolina 
MAY 21, 2009 
Reported with an amendment, committed to the Committee of the Whole 
House on the State of the Union, and ordered to be printed 
[Strike out all after the enacting clause and insert the part printed in italic] 
A BILL 
To provide for the establishment of a committee to identify 
and coordinate international science and technology co-
operation that can strengthen the domestic science and 
technology enterprise and support United States foreign 
policy goals. 
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23:15 May 21, 2009
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184 
increase in subprime and Alt-A loans from 10.1 per-
cent to 32.7 percent over the same period. 
(6) In 2004 alone, Fannie Mae and Freddie Mac 
purchased $175,000,000,000 in subprime mortgage se-
curities, which accounted for 44 percent of the market 
that year, and from 2005 through 2007, Fannie Mae 
and 
Freddie 
Mac 
purchased 
approximately 
$1,000,000,000,000 in subprime and Alt-A loans, 
while Fannie Mae’s acquisitions of mortgages with 
less than 10 percent down payments almost tripled. 
(7) According to data from the Federal Housing 
Finance Agency (FHFA) for the fourth quarter of 
2008, Fannie Mae and Freddie Mac own or guarantee 
75 percent of all newly originated mortgages, and 
Fannie Mae and Freddie Mac currently own 13.3 
percent of outstanding mortgage debt in the United 
States and have issued mortgage-backed securities for 
31.0 percent of the residential debt market, a com-
bined total of 44.3 percent of outstanding mortgage 
debt in the United States. 
(8) On September 7, 2008, the FHFA placed 
Fannie Mae and Freddie Mac into conservatorship, 
with the Treasury Department subsequently agreeing 
to purchase at least $200,000,000,000 of preferred 
stock from each enterprise in exchange for warrants 
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185 
for the purchase of 79.9 percent of each enterprise’s 
common stock. 
(9) The conservatorship for Fannie Mae and 
Freddie Mac has potentially exposed taxpayers to up-
wards of $5,300,000,000,000 worth of risk. 
(10) The hybrid public-private status of Fannie 
Mae and Freddie Mac is untenable and must be re-
solved to assure that consumers are offered and receive 
residential mortgage loans on terms that reasonably 
reflect their ability to repay the loans and that are 
understandable and not unfair, deceptive, or abusive. 
(b) SENSE OF THE CONGRESS.—It is the sense of the 
Congress that efforts to enhance by the protection, limita-
tion, and regulation of the terms of residential mortgage 
credit and the practices related to such credit would be in-
complete without enactment of meaningful structural re-
forms of Fannie Mae and Freddie Mac. 
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Union Calendar No. 42 
111TH CONGRESS 
1ST SESSION 
H. R. 1728 
[Report No. 111–94] 
A BILL 
To amend the Truth in Lending Act to reform con-
sumer mortgage practices and provide account-
ability for such practices, to provide certain min-
imum standards for consumer mortgage loans, 
and for other purposes. 
MAY 4, 2009 
Reported with an amendment, committed to the Com-
mittee of the Whole House on the State of the Union, 
and ordered to be printed 
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I 
111TH CONGRESS 
1ST SESSION H. R. 1729 
To amend the National Voter Registration Act of 1993 to provide for the 
treatment of institutions of higher education as voter registration agencies. 
IN THE HOUSE OF REPRESENTATIVES 
MARCH 26, 2009 
Ms. SCHAKOWSKY (for herself and Mr. LATOURETTE) introduced the following 
bill; which was referred to the Committee on House Administration, and 
in addition to the Committee on Education and Labor, for a period to 
be subsequently determined by the Speaker, in each case for consider-
ation of such provisions as fall within the jurisdiction of the committee 
concerned 
A BILL 
To amend the National Voter Registration Act of 1993 to 
provide for the treatment of institutions of higher edu-
cation as voter registration agencies. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Student Voter Oppor-
tunity To Encourage Registration Act of 2009’’ or the 
‘‘Student VOTER Act of 2009’’. 
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SEC. 2. TREATMENT OF UNIVERSITIES AS VOTER REG-
ISTRATION AGENCIES. 
(a) IN GENERAL.—Section 7(a) of the National Voter 
Registration Act of 1993 (42 U.S.C. 1973gg–5(a)) is 
amended— 
(1) in paragraph (2)— 
(A) by striking ‘‘and’’ at the end of sub-
paragraph (A); 
(B) by striking the period at the end of 
subparagraph (B) and inserting ‘‘; and’’; and 
(C) by adding at the end the following new 
subparagraph: 
‘‘(C) each institution of higher education 
(as defined in section 101 of the Higher Edu-
cation Act of 1965 (20 U.S.C. 1001)) in the 
State that receives Federal funds.’’; and 
(2) in paragraph (6)(A), by inserting ‘‘or, in 
the case of an institution of higher education, with 
each registration of a student for enrollment in a 
course of study’’ after ‘‘assistance,’’. 
(b) AMENDMENT TO HIGHER EDUCATION ACT OF 
1965.—Section 487(a) of the Higher Education Act of 
1965 (20 U.S.C. 1094(a)) is amended by striking para-
graph (23). 
Æ 
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I 
111TH CONGRESS 
1ST SESSION H. R. 1731 
To amend the Truth in Lending Act to require any creditor who transfers, 
sells, or conveys certain residential mortgage loans to third parties to 
retain an economic interest in a material portion of the credit risk 
for any such loan, and for other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
MARCH 26, 2009 
Mr. MINNICK introduced the following bill; which was referred to the 
Committee on Financial Services 
A BILL 
To amend the Truth in Lending Act to require any creditor 
who transfers, sells, or conveys certain residential mort-
gage loans to third parties to retain an economic interest 
in a material portion of the credit risk for any such 
loan, and for other purposes. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Credit Risk Retention 
Act of 2009’’. 
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SEC. 2. CREDIT RISK RETENTION. 
Section 129 of the Truth in Lending Act (U.S.C. 
1639) is amended by adding at the end the following new 
subsection: 
‘‘(m) CREDIT RISK RETENTION.— 
‘‘(1) IN GENERAL.—The Federal banking agen-
cies shall prescribe regulations jointly to require any 
creditor that makes a residential mortgage loan that 
is not a qualified mortgage (as defined by such 
agencies) to retain an economic interest in a mate-
rial portion of the credit risk for any such loan that 
the creditor transfers, sells, or conveys to a third 
party. 
‘‘(2) STANDARDS FOR REGULATIONS.—Regula-
tions prescribed under paragraph (1) shall— 
‘‘(A) apply only to residential mortgage 
loans that are not qualified mortgages (as so 
defined); 
‘‘(B) prohibit creditors from directly or in-
directly hedging or otherwise transferring the 
credit risk creditors are required to retain 
under the regulations with respect to any resi-
dential mortgage loan; and 
‘‘(C) require creditors to retain at least 5 
percent of the credit risk on any non-qualified 
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mortgage that is transferred, sold or con-
veyed.’’. 
Æ 
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