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Responsible Lending Act

Introduced: September 17, 2003 See on congress.gov
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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 4 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Mar 10, 2003
Referred to the Subcommittee on Housing and Community Opportunity.
Mar 10, 2003
Referred to the Subcommittee on Financial Institutions and Consumer Credit.
Feb 13, 2003
Referred to the House Committee on Financial Services.
Feb 13, 2003
Introduced in House
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 Plain-English summary Congressional Research Service
Responsible Lending Act - Amends the Truth in Lending Act to define: (1) high cost mortgage; and (2) points and fees. Revises specified liability and other related provisions.

Provides for continuation of late fee and prepayment provision identification under the Alternative Mortgage Transaction parity Act of 1982.

Amends the Housing and Urban Development Act of 1968 to establish in the Department of Housing and Urban Development the Consumer Mortgage Protection Board, which shall: (1) provide homeownership and rental counseling and related toll-free telephone and web site services; (2) provide grants for housing counseling services; and (3) prepare and update a mortgage information booklet.

Directs the Secretary of Housing and Urban Development to establish Federal mortgage broker requirements. Sets forth uniform State mortgage broker law guidelines, and states that Federal requirements shall apply to those States that have not enacted uniform laws.

What's happening now March 10, 2003

Referred to the Subcommittee on Housing and Community Opportunity.

 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 3
 Cosponsors 4
All 4 Democratic 1 Republican 1
BOYD, ALLEN
· Sep 17, 2003
 R
Rogers, Harold
Kentucky · Sep 5, 2003
HILL, BARON
· Jul 9, 2003
 D
Thompson, Bennie G.
Mississippi · May 19, 2003
Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 833: Responsible Lending Act. 108th Congress. Open America. https://openamerica.io/bill/108-HR-833/
MLA
"H.R. 833: Responsible Lending Act." 108th Congress, 2026, Open America, https://openamerica.io/bill/108-HR-833/.
Bluebook (legal)
H.R. 833, 108th Cong. (2026), https://openamerica.io/bill/108-HR-833/.
Markdown link
[H.R. 833: Responsible Lending Act](https://openamerica.io/bill/108-HR-833/)
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