Skip to main content
HR 4229 111th Congress House

Borrowers' Right to Inspect Closing Documents Act of 2009

Official title: To amend the Real Estate Settlement Procedures Act of 1974 to ensure that borrowers under federally related mortgage loans have an opportunity to inspect closing documents.

Introduced: March 12, 2010 See on congress.gov
Housing and Community Development Banking and financial institutions regulationHousing finance and home ownershipReal estate business
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
Dec 8, 2009
Referred to the House Committee on Financial Services.
Dec 8, 2009
Introduced in House
 Ask about this bill AI · grounded in the bill text

Have a question about what this bill does? Ask in plain English; the answer is drawn from the bill's actual text and official record, and it'll tell you when something isn't in the text rather than guess.

AI answers can be imperfect; always confirm against the full bill text.

 Latest action December 8, 2009

Referred to the House Committee on Financial Services.

 Plain-English summary Congressional Research Service

Borrowers' Right to Inspect Closing Documents Act of 2009 - Amends the Real Estate Settlement Procedures Act of 1974 (RESPA) to revise procedures governing the furnishing of closing documents to borrowers.

Requires the lender to furnish to the settlement agent, at least four business days before the scheduled date of a real estate settlement, the completed promissory note, the mortgage instrument, and all other items needed to complete the uniform settlement statement, the final Truth-in-Lending Act disclosure, and the final closing instructions.

Requires the settlement agent to furnish the borrower, at least three business days before the scheduled settlement date, with the completed documents and the completed uniform settlement statement, as long as the lender has timely provided the agent with those items.

Shields the settlement agent from liability for the lender's noncompliance with this Act. Cites circumstances under which the settlement agent may correct the uniform settlement statement and related documents prior to the scheduled settlement date.

Authorizes the Secretary of Housing and Urban Development to exempt settlements from the requirements of this Act in certain circumstances.

 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 1
Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 4229: Borrowers' Right to Inspect Closing Documents Act of 2009. 111th Congress. Open America. https://openamerica.io/bill/111-HR-4229/
MLA
"H.R. 4229: Borrowers' Right to Inspect Closing Documents Act of 2009." 111th Congress, 2026, Open America, https://openamerica.io/bill/111-HR-4229/.
Bluebook (legal)
H.R. 4229, 111th Cong. (2026), https://openamerica.io/bill/111-HR-4229/.
Markdown link
[H.R. 4229: Borrowers' Right to Inspect Closing Documents Act of 2009](https://openamerica.io/bill/111-HR-4229/)
Report a problem