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H.R. 2794 111th Congress House

Promoting Mortgage Responsibility Act

Official title: To amend the Truth in Lending Act to prohibit prepayment penalties, and for other purposes.

Introduced: July 8, 2009 See on congress.gov
Finance and Financial Sector Banking and financial institutions regulationConsumer creditHousing finance and home ownership
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This bill died when the 111th Congress ended
It never became law before the 111th Congress (2009–2010) 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 2 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Jun 10, 2009
Referred to the House Committee on Financial Services.
Jun 10, 2009
Introduced in House
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 Latest action June 10, 2009

Referred to the House Committee on Financial Services.

 Plain-English summary Congressional Research Service

Promoting Mortgage Responsibility Act - Amends the Truth in Lending Act to prohibit prepayment fees or penalties under any consumer credit transaction secured by the consumer's owner-occupied principal dwelling.

Makes any prepayment penalty in violation of this prohibition unenforceable.

 Related & companion bills 1
  • S 911 Promoting Mortgage Responsibility Act
 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 1
 Cosponsors 1
All 1 Democratic 1
D
Davis, Danny K.
Illinois · Jul 8, 2009
Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 2794: Promoting Mortgage Responsibility Act. 111th Congress. Open America. https://openamerica.io/bill/111-HR-2794/
MLA
"H.R. 2794: Promoting Mortgage Responsibility Act." 111th Congress, 2026, Open America, https://openamerica.io/bill/111-HR-2794/.
Bluebook (legal)
H.R. 2794, 111th Cong. (2026), https://openamerica.io/bill/111-HR-2794/.
Markdown link
[H.R. 2794: Promoting Mortgage Responsibility Act](https://openamerica.io/bill/111-HR-2794/)
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