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Expanding Housing Opportunities Through Education and Counseling Act

Introduced: March 11, 2004 See on congress.gov
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 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
 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.

What's happening now March 29, 2004

Referred to the Subcommittee on Housing and Community Opportunity.

 Committees of jurisdiction 2
 Cosponsors 1
All 1 Democratic 1