H.R. 1153Mortgage Choice Act of 2017

1 recorded action150 of these members are on the 2026 ballotWhat the measure does Read on Congress.gov

Sponsor: Bill Huizenga [R-MI-02]
Cosponsors: 17 · 12 Republicans · 5 Democrats
Policy area: Housing and Community Development
Committees: Financial Services Committee, Banking, Housing, and Urban Affairs Committee
Latest action: Feb 12, 2018 · Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

IntroducedFeb 16, 2017
Passed the HouseFeb 8, 2018
Passed the SenateNot yet reached
Sent to the PresidentNot yet reached
Became lawNot yet reached

What the measure doesCRS summary

(This measure has not been amended since it was introduced. The expanded summary of the House reported version is repeated here.)

Mortgage Choice Act of 2017

(Sec. 2) This bill amends the Truth in Lending Act to specify that neither escrow charges for insurance nor affiliated title charges shall be considered "points and fees" for purposes of determining whether a mortgage is a "high-cost mortgage." (A high-cost mortgage designation restricts the terms of the loan and requires a lender to make certain disclosures to the borrower.)

Written by the nonpartisan Congressional Research Service, describing H.R. 1153 as passed House without amendment on Feb 8, 2018. It is not the text of the measure; a later amendment may have changed what it does.

How every member votedHouse roll call 64

House Feb 8, 2018

On Passage

Mortgage Choice Act of 2017

Passed

280 Yea 131 Nay 19 not voting

Crossed both parties 52 of 411 voting members broke with their own party: 52 Democrats.

Open the official roll call

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 members430 members

Democratic193 members

Republican237 members

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

Cosponsors17 · 12 Republicans · 5 Democrats

Signing on is not a vote: a member can cosponsor H.R. 1153 and vote against it. 5 signed when it was filed.

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Who lobbied on H.R. 115321 organizations

Organizations that named H.R. 1153 in a lobbying disclosure. Only those that cited the bill by number appear, so this is a floor, not a full list.

BBVA USAfiled by BBVA

Banking9 filings · 4th Quarter (Oct 1 - Dec 31) 2018Filing

AMERICAN BANKERS ASSOCIATIONIts PAC: American Bankers Association PAC

Banking · Small Business · Housing · Budget/Appropriations +15 more8 filings · 4th Quarter (Oct 1 - Dec 31) 2018Filing

CONSUMER MORTGAGE COALITIONfiled by MICHAEL BEST STRATEGIES LLC, CANFIELD & ASSOCIATES, INC.

Financial Institutions/Investments/Securities · Insurance · Housing · Banking8 filings · 4th Quarter (Oct 1 - Dec 31) 2018Filing

CREDIT UNION NATIONAL ASSOCIATIONfiled by DENTONS US LLP

Financial Institutions/Investments/Securities8 filings · 4th Quarter (Oct 1 - Dec 31) 2018Filing

DISABLED AMERICAN VETERANS

Veterans8 filings · 4th Quarter (Oct 1 - Dec 31) 2018Filing

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) 2018Filing

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

Environment/Superfund · Labor Issues/Antitrust/Workplace · Copyright/Patent/Trademark · Financial Institutions/Investments/Securities +10 more8 filings · 4th Quarter (Oct 1 - Dec 31) 2018Filing

MORTGAGE BANKERS ASSOCIATIONIts PAC: Mortgage Bankers Association PAC

Taxation/Internal Revenue Code · Banking · Housing · Insurance7 filings · 4th Quarter (Oct 1 - Dec 31) 2018Filing

QUICKEN LOANSfiled by MINDSET ADVOCACY, LLC, GHAZAL & ASSOCIATES, LLC

Housing · Taxation/Internal Revenue Code7 filings · 4th Quarter (Oct 1 - Dec 31) 2018Filing

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

Communications/Broadcasting/Radio/TV · Taxation/Internal Revenue Code · Copyright/Patent/Trademark · Small Business +6 more6 filings · 4th Quarter (Oct 1 - Dec 31) 2018Filing

103 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.