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HR 3938 108th Congress House

Expanding Housing Opportunities Through Education and Counseling Act

Official title: To establish an Office of Housing Counseling to carry out the responsibilities of the Department of Housing and Urban Development regarding counseling on homeo… Show full official titleShow less

Official title: To establish an Office of Housing Counseling to carry out the responsibilities of the Department of Housing and Urban Development regarding counseling on homeownership and rental housing issues, to establish a toll-free telephone number to provide referral to entities providing such counseling, and to make grants to such entities for providing such counseling, and for other purposes.

Introduced: March 11, 2004 See on congress.gov
Housing and Community Development Administrative procedureAffordable housingCommerceComputer software
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CongressCongressional reporting requirementsConsumer educationCounselingDepartment of Housing and Urban DevelopmentElectronic government informationExecutive reorganizationFederal advisory bodiesFederal aid to housingFederal-local relationsFederal-state relationsFinance and Financial SectorForeclosureFraudGovernment Operations and PoliticsGovernment publicationsGovernment publicityGovernmental investigationsHome ownershipHousing for the agedInternetLawLicensesLoan defaultsLow-income housingModerate income housingMortgage banksMortgage interest ratesMortgagesNonprofit organizationsReal estate appraisalRental housingScience, Technology, CommunicationsSettlement costsSocial WelfareUsuryVariable rate mortgage loansWeb sites
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This bill died when the 108th Congress ended
It never became law before the 108th Congress (2003–2004) adjourned, and bills don't carry over to the next Congress. It would have to be reintroduced. You can still save it for reference, but it won't receive updates.
 Everywhere this bill has been 3 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Mar 29, 2004
Referred to the Subcommittee on Housing and Community Opportunity.
Mar 11, 2004
Referred to the House Committee on Financial Services.
Mar 11, 2004
Introduced in House
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 Latest action March 29, 2004

Referred to the Subcommittee on Housing and Community Opportunity.

 Plain-English summary Congressional Research Service

Expanding Housing Opportunities Through Education and Counseling Act - Amends the Department of Housing and Urban Development Act to establish, in the Office of the Secretary of Housing and Urban Development (HUD), the Office of Housing Counseling.

Directs the Office to carry out HUD homeownership and rental counseling functions, including related research, grant administration, public outreach, and development of policy and performance measures.

Amends the Housing and Urban Development Act of 1968 to direct the Secretary to: (1) establish homeownership (including mortgage loan) and rental counseling procedures, and a related a toll-free telephone number and World Wide Web site; (2) certify computer software programs for consumer evaluation of residential mortgage loans; (3) establish a housing counseling multimedia outreach program aimed at elderly persons, persons with language barriers, low-income persons, and other potentially vulnerable consumers; (4) assist States, local government, and non-profit organizations with consumer education programs about mortgage, refinancing, home equity, or home repair loans; and (5) make grants for State, local government, and non-profit organization housing counseling assistance.

Directs the Secretary to conduct a home loan default and foreclosure study.

Requires organizations to use HUD-certified counselors in order to qualify for specified HUD assistance.

Amends the Real Estate Settlement Procedures Act of 1974 to revise the mortgage information booklet.

 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 2
 Cosponsors 1
All 1 Democratic 1
D
Velázquez, Nydia M.
New York · Mar 11, 2004
Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 3938: Expanding Housing Opportunities Through Education and Counseling Act. 108th Congress. Open America. https://openamerica.io/bill/108-HR-3938/
MLA
"H.R. 3938: Expanding Housing Opportunities Through Education and Counseling Act." 108th Congress, 2026, Open America, https://openamerica.io/bill/108-HR-3938/.
Bluebook (legal)
H.R. 3938, 108th Cong. (2026), https://openamerica.io/bill/108-HR-3938/.
Markdown link
[H.R. 3938: Expanding Housing Opportunities Through Education and Counseling Act](https://openamerica.io/bill/108-HR-3938/)
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