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HR 378 109th Congress House

Homeowners' Emergency Mortgage Assistance Act

Official title: To establish a program to assist homeowners experiencing unavoidable, temporary difficulty making payments on mortgages insured under the National Housing Act.

Introduced: April 12, 2005 See on congress.gov
Finance and Financial Sector Civil actions and liabilityCommerceConsumer creditCounseling
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Economics and Public FinanceFederal aid to housingFederally-guaranteed loansFeesFinancial planningFinancial statementsForeclosureGovernment Operations and PoliticsGovernment lendingGovernment paperworkHousing and Community DevelopmentIncomeInterestLabor and EmploymentLaw
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This bill died when the 109th Congress ended
It never became law before the 109th Congress (2005–2006) 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
Feb 28, 2005
Referred to the Subcommittee on Housing and Community Opportunity.
Jan 26, 2005
Referred to the House Committee on Financial Services.
Jan 26, 2005
Introduced in House
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 Latest action February 28, 2005

Referred to the Subcommittee on Housing and Community Opportunity.

 Plain-English summary Congressional Research Service

Homeowners' Emergency Mortgage Assistance Act - Directs the Secretary of Housing and Urban Development to establish a mortgage emergency assistance program for qualifying homeowners with National Housing Act-insured mortgages who are temporarily unable to meet their obligations due to financial hardship beyond their control.

Requires: (1) homeowner repayment of such assistance and interest; and (2) certain conditions to be met before legal action may be taken against a qualifying homeowner, including providing the homeowner with program notice.

 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 2
 Cosponsors 3
All 3 Democratic 2
D
Thompson, Bennie G.
Mississippi · May 17, 2005
 D
Schakowsky, Janice D.
Illinois · Apr 12, 2005
KANJORSKI, PAUL
· Apr 6, 2005
Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 378: Homeowners' Emergency Mortgage Assistance Act. 109th Congress. Open America. https://openamerica.io/bill/109-HR-378/
MLA
"H.R. 378: Homeowners' Emergency Mortgage Assistance Act." 109th Congress, 2026, Open America, https://openamerica.io/bill/109-HR-378/.
Bluebook (legal)
H.R. 378, 109th Cong. (2026), https://openamerica.io/bill/109-HR-378/.
Markdown link
[H.R. 378: Homeowners' Emergency Mortgage Assistance Act](https://openamerica.io/bill/109-HR-378/)
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