H.R. 3971Community Institution Mortgage Relief Act of 2017

2 recorded actions150 of these members are on the 2026 ballotWhat the measure does Read on Congress.gov

Sponsor: Claudia Tenney [R-NY-22]
Cosponsors: 4 · 2 Democrats · 2 Republicans
Policy area: Finance and Financial Sector
Committees: Financial Services Committee, Banking, Housing, and Urban Affairs Committee
Latest action: Dec 13, 2017 · Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

IntroducedOct 5, 2017
Passed the HouseDec 12, 2017
Passed the SenateNot yet reached
Sent to the PresidentNot yet reached
Became lawNot yet reached

What the measure doesCRS summary

Community Institution Mortgage Relief Act of 2017

(Sec. 2) This bill amends the Truth in Lending Act to create a safe harbor from requirements for an escrow or impound account for the payment of taxes and hazard insurance in the case of mortgage loans made by a creditor with consolidated assets of $10 billion or less that holds the loan on its balance sheet for three years after its origination.

A creditor shall be deemed to have complied with the three-year balance sheet requirement if it transfers a loan by reason of its bankruptcy or failure, the purchase of it by another, or by a supervisory act or recommendation from a state or federal regulator.

The Consumer Financial Protection Bureau is required to exempt mortgage servicers that service 20,000 or fewer mortgage loans from requirements of the Real Estate Settlement Procedures Act of 1974 pertaining to the servicing of mortgage loans and administration of escrow accounts.

Written by the nonpartisan Congressional Research Service, describing H.R. 3971 as passed House amended on Dec 12, 2017. It is not the text of the measure; a later amendment may have changed what it does.

Roll calls on H.R. 39712 roll calls on this measure

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Dec 12, 2017Each bar: ✓ Yea from the bottom, ✕ Nay aboveDec 12, 2017

How every member votedHouse roll call 675

House Dec 12, 2017 · the primary vote

On Passage

Community Institution Mortgage Relief Act of 2017

Passed

294 Yea 129 Nay 8 not voting

Crossed both parties 61 of 423 voting members broke with their own party: 60 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 members431 members

Democratic193 members

Republican238 members

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

Cosponsors4 · 2 Democrats · 2 Republicans

Signing on is not a vote: a member can cosponsor H.R. 3971 and vote against it. 2 signed when it was filed.

DBrad Sherman [D-CA-30]Original2026 profile

RRoger Williams [R-TX-25]Original2026 profile

DDavid Loebsack [D-IA-02]Joined Oct 23, 2017

RPete Sessions [R-TX-32]Joined Nov 30, 20172026 profile

Loading the public record

Who lobbied on H.R. 397112 organizations

Organizations that named H.R. 3971 in a lobbying disclosure. Only those that cited the bill by number appear, so this is a floor, not a full list.

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 more7 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 Code6 filings · 4th Quarter (Oct 1 - Dec 31) 2018Filing

AMERICAN BANKERS ASSOCIATIONIts PAC: American Bankers Association PAC

Banking · Small Business · Housing · Budget/Appropriations +15 more5 filings · 4th Quarter (Oct 1 - Dec 31) 2018Filing

CALIFORNIA AND NEVADA CREDIT UNION LEAGUES

Torts · Taxation/Internal Revenue Code · Banking · Financial Institutions/Investments/Securities +2 more5 filings · 4th Quarter (Oct 1 - Dec 31) 2018Filing

CREDIT UNION NATIONAL ASSOCIATIONfiled by DENTONS US LLP

Financial Institutions/Investments/Securities5 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 more5 filings · 4th Quarter (Oct 1 - Dec 31) 2018Filing

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

Banking · Small Business · Agriculture · Taxation/Internal Revenue Code +3 more4 filings · 2nd Quarter (Apr 1 - June 30) 2018Filing

AMERICAN FEDERATION OF STATE COUNTY AND MUNICIPAL EMPLOYEESfiled by AMERICAN FEDERATION OF STATE, COUNTY AND MUNICIPAL EMPLOYEES

Housing · Transportation · Torts · Aviation/Airlines/Airports +19 more2 filings · 4th Quarter (Oct 1 - Dec 31) 2017Filing

LEADERSHIP CONFERENCE ON CIVIL AND HUMAN RIGHTS

Financial Institutions/Investments/Securities · Medicare/Medicaid · Education · Labor Issues/Antitrust/Workplace +10 more2 filings · 1st Quarter (Jan 1 - Mar 31) 2018Filing

CHAMBER OF COMMERCE OF THE U.S.A.

Automotive Industry · Consumer Issues/Safety/Products · Government Issues · Immigration +31 more1 filing · 4th Quarter (Oct 1 - Dec 31) 2017Filing

44 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.