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Expand and Preserve Home Ownership Through Counseling Act

Introduced: January 6, 2009 See on congress.gov
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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
Jan 6, 2009
Referred to the House Committee on Financial Services.
Jan 6, 2009
Introduced in House
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 Plain-English summary Congressional Research Service

Expand and Preserve Home Ownership Through 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, which shall conduct activities relating to homeownership and rental housing counseling.

Amends the Housing and Urban Development Act of 1968 (HUDA) to direct the Secretary to establish, coordinate, and monitor HUD administration of homeownership and rental housing counseling procedures provided in connection with any HUD program, including all related requirements, standards, and performance measures.

Requires the Secretary to provide for the certification of various computer software programs for consumers to use in evaluating different residential mortgage loan proposals.

Directs the Director of Housing Counseling to develop, implement, and conduct national public service multimedia campaigns designed to make persons facing mortgage foreclosure, persons considering a subprime mortgage loan to purchase a home, elderly persons, persons who face language barriers, low-income persons, and other potentially vulnerable consumers aware that: (1) it is advisable, before seeking or maintaining a residential mortgage loan, to obtain homeownership counseling from unbiased and reliable sources; and (2) such homeownership counseling is available.

Requires the Secretary to provide: (1) advice and technical assistance to states, local governments, and nonprofit organizations regarding the establishment and operation of related educational programs; as well as (2) financial assistance.

Revises the requirement that organizations receiving HUD assistance for counseling activities to provide such counseling only through counselors certified by the Secretary.

Directs the Secretary to study and report to Congress on the root causes of the default and foreclosure of home loans.

Amends the Real Estate Settlement Procedures Act of 1974 to revise requirements for HUD booklets designed to help consumers applying for federally related mortgage loans to understand the nature and costs of real estate settlement services.

What's happening now January 6, 2009

Referred to the House Committee on Financial Services.

 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 1
 Cosponsors 2
All 2 Democratic 1 Republican 1
D
Moore, Gwen
Wisconsin · Apr 23, 2009
 R
Capito, Shelley Moore
West Virginia · Jan 6, 2009
Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 47: Expand and Preserve Home Ownership Through Counseling Act. 111th Congress. Open America. https://openamerica.io/bill/111-HR-47/
MLA
"H.R. 47: Expand and Preserve Home Ownership Through Counseling Act." 111th Congress, 2026, Open America, https://openamerica.io/bill/111-HR-47/.
Bluebook (legal)
H.R. 47, 111th Cong. (2026), https://openamerica.io/bill/111-HR-47/.
Markdown link
[H.R. 47: Expand and Preserve Home Ownership Through Counseling Act](https://openamerica.io/bill/111-HR-47/)
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