H.R. 314
108th Congress
House
Mortgage Servicing Clarification Act
Official title: To amend the Fair Debt Collection Practices Act to exempt mortgage servicers from certain requirements of the Act with respect to federally related mortgage lo… Show full official titleShow less
Official title: To amend the Fair Debt Collection Practices Act to exempt mortgage servicers from certain requirements of the Act with respect to federally related mortgage loans secured by a first lien, and for other purposes.
Finance and Financial Sector
Collection of accountsCommerceConsumer educationDebtor and creditor
More subjectsShow fewer subjects
Economics and Public FinanceFederally-assisted loansFederally-guaranteed loansGovernment Operations and PoliticsGovernment lendingGovernment paperworkHousing and Community DevelopmentLoan defaultsMortgage guaranty insuranceMortgages
Everywhere this bill has been
11 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Mar 20, 2003
Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Mar 19, 2003
Motion to reconsider laid on the table Agreed to without objection.
Mar 19, 2003
On motion to suspend the rules and pass the bill Agreed to by the Yeas and Nays: (2/3 required): 424 - 0 (Roll no. 68). (text: CR 3/19/2003 CR H1921)
Mar 19, 2003
Considered as unfinished business. (consideration: CR H1988-1989)
Mar 18, 2003
At the conclusion of debate, the Yeas and Nays were demanded and ordered. Pursuant to the provisions of clause 8, rule XX, the Chair announced that further proceedings on the motion would be postponed.
Mar 18, 2003
DEBATE - The House proceeded with forty minutes of debate on H.R. 314.
Mar 18, 2003
Considered under suspension of the rules. (consideration: CR H1921-1923)
Mar 18, 2003
Mr. Royce moved to suspend the rules and pass the bill.
Feb 27, 2003
Referred to the Subcommittee on Financial Institutions and Consumer Credit.
Jan 8, 2003
Referred to the House Committee on Financial Services.
Jan 8, 2003
Introduced in House
Votes taken on this bill
1
| Date | Chamber | What was voted on | Result | Yes–No | |
|---|---|---|---|---|---|
| Mar 19, 2003 | House · vote #68 | On Motion to Suspend the Rules and Pass | Passed | 424–0 | See who voted → |
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Latest action
Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Plain-English summary
Mortgage Servicing Clarification Act - Amends the Fair Debt Collection Practices Act to exempt from mandatory debt collection disclosures (that the debt collector is attempting to collect a debt and any information obtained will be used for that purpose) any servicer of federally related mortgage loans secured by first liens that include loans in default at the time such servicer became responsible for servicing such loans, if the servicer is also a debt collector whose collections are incidental to a primary function of servicing current federally related-mortgage loans.
Bill text
3 versions
- Engrossed in House Formatted Text PDF
- Introduced in House Formatted Text PDF
- Referred in Senate Formatted Text PDF
Cosponsors
3
Cite this page
U.S. Congress. (2026). H.R. 314: Mortgage Servicing Clarification Act. 108th Congress. Open America. https://openamerica.io/bill/108-HR-314/
"H.R. 314: Mortgage Servicing Clarification Act." 108th Congress, 2026, Open America, https://openamerica.io/bill/108-HR-314/.
H.R. 314, 108th Cong. (2026), https://openamerica.io/bill/108-HR-314/.
[H.R. 314: Mortgage Servicing Clarification Act](https://openamerica.io/bill/108-HR-314/)