H.R. 1210Portfolio Lending and Mortgage Access Act

2 recorded actions125 of these members are on the 2026 ballotWhat the measure does Read on Congress.gov

Sponsor: Andy Barr [R-KY-06]
Cosponsors: 54 · 54 Republicans
Policy area: Finance and Financial Sector
Committees: Financial Services Committee, Banking, Housing, and Urban Affairs Committee
Latest action: Nov 19, 2015 · Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

IntroducedMar 3, 2015
Passed the HouseNov 18, 2015
Passed the SenateNot yet reached
Sent to the PresidentNot yet reached
Became lawNot yet reached

What the measure doesCRS summary

Portfolio Lending and Mortgage Access Act

(Sec. 2) This bill amends the Truth in Lending Act to create a safe harbor from lawsuit for creditors that are depository institutions for any failure to comply with certain requirements with respect to a residential mortgage loan, and the banking regulators are required to treat such a loan as a qualified mortgage, if the creditor has, since the loan's origination, held it on its balance sheet and all prepayment penalties with respect to the loan comply with specified limitations.

A safe harbor from lawsuit is also created for mortgage originators for steering a consumer to a residential mortgage loan if:

the creditor is a depository institution and has informed the mortgage originator that it intends to hold the loan on its balance sheet for the life of the loan, and

the mortgage originator informs the consumer that the creditor intends to do so.

Written by the nonpartisan Congressional Research Service, describing H.R. 1210 as passed House amended on Nov 18, 2015. It is not the text of the measure; a later amendment may have changed what it does.

Roll calls on H.R. 12102 roll calls on this measure

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Nov 18, 2015Each bar: ✓ Yea from the bottom, ✕ Nay aboveNov 18, 2015

How every member votedHouse roll call 636

House Nov 18, 2015 · the primary vote

On Passage

Portfolio Lending and Mortgage Access Act

Passed

255 Yea 174 Nay 4 not voting

Party-line vote 13 of 429 voting members broke with their own party: 12 Democrats, 1 Republican.

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How the chamber split

One dot per member. Select a seat or a bar to filter the list.

DemocratsRepublicansFilled: YeaRing: NayGrey: not voting or present

By party select a segment to filter

All members433 members

Democratic188 members

Republican245 members

marks half of the votes cast. A party’s majority is the side most of its voting members took.

Cosponsors54 · 54 Republicans

Signing on is not a vote: a member can cosponsor H.R. 1210 and vote against it. 24 signed when it was filed.

Who lobbied on H.R. 121019 organizations

Organizations that named H.R. 1210 in a lobbying disclosure. Only those that cited the bill by number appear, so this is a floor, not a full list.

CENTER FOR RESPONSIBLE LENDING A SUPPORTING CORP OF CTR FOR COMMUNITY SELF-HELPfiled by CENTER FOR RESPONSIBLE LENDING, A SUPPORTING CORP OF CTR FOR COMMUNITY SELF-HELP

Banking9 filings · 3rd Quarter (July 1 - Sep 30) 2016Filing

CREDIT UNION NATIONAL ASSOCIATION, INC. DBA AMERICA'S CREDIT UNIONSfiled by CREDIT UNION NATIONAL ASSOCIATION. INC. DBA AMERICA'S CREDIT UNIONS

Banking · Copyright/Patent/Trademark · Small Business · Taxation/Internal Revenue Code +5 more9 filings · 4th Quarter (Oct 1 - Dec 31) 2016Filing

AMERICAN BANKERS ASSOCIATIONIts PAC: American Bankers Association PAC

Bankruptcy · Agriculture · Financial Institutions/Investments/Securities · Economics/Economic Development +12 more8 filings · 4th Quarter (Oct 1 - Dec 31) 2016Filing

INDEPENDENT BANKERS ASSN OF TEXASfiled by PACE, LLP

Financial Institutions/Investments/Securities8 filings · 4th Quarter (Oct 1 - Dec 31) 2016Filing

NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONSfiled by NATIONAL ASSOCIATION OF FEDERALLY-INSURED CREDIT UNIONS (FKA NAT'L ASSN OF FEDERAL CREDIT UNIONS)

Banking · Financial Institutions/Investments/Securities · Taxation/Internal Revenue Code8 filings · 4th Quarter (Oct 1 - Dec 31) 2016Filing

NATIONAL ASSOCIATION OF REALTORSIts PAC: National Association of Realtors Congressional Fund

Financial Institutions/Investments/Securities · Transportation · Disaster Planning/Emergencies · Labor Issues/Antitrust/Workplace +10 more8 filings · 4th Quarter (Oct 1 - Dec 31) 2016Filing

NEW YORK BANKERS ASSOCIATIONIts PAC: New York Bankers Association PAC

Banking8 filings · 4th Quarter (Oct 1 - Dec 31) 2016Filing

BBVA USAfiled by BBVA

Banking7 filings · 4th Quarter (Oct 1 - Dec 31) 2016Filing

INDEPENDENT COMMUNITY BANKERS OF AMERICAIts PAC: Independent Community Bankers of America PAC

Banking · Taxation/Internal Revenue Code · Agriculture · Labor Issues/Antitrust/Workplace +5 more7 filings · 4th Quarter (Oct 1 - Dec 31) 2016Filing

NATIONAL ASSOCIATION FOR THE ADVANCEMENT OF COLORED PEOPLE

Financial Institutions/Investments/Securities · Agriculture · Unemployment · Labor Issues/Antitrust/Workplace +40 more7 filings · 4th Quarter (Oct 1 - Dec 31) 2016Filing

100 disclosures name this measure. Retrieved from LDA.gov on 2026-10-05. Senate Office of Public Records cannot vouch for the data or analyses derived from these data after the data have been retrieved from LDA.gov.