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S 911 111th Congress Senate Finance and Financial Sector Banking and financial institutions regulation Consumer credit Housing finance and home ownership

Promoting Mortgage Responsibility Act

Introduced: April 28, 2009 Introduced by: Merkley, Jeff Democratic · Oregon 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 3 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Apr 28, 2009
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Apr 28, 2009
Sponsor introductory remarks on measure. (CR S4812-4813)
Apr 28, 2009
Introduced in Senate
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 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.

What's happening now April 28, 2009

Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

 Related & companion bills 1
  • HR 2794 Related bill Promoting Mortgage Responsibility Act
 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). S. 911: Promoting Mortgage Responsibility Act. 111th Congress. Open America. https://openamerica.io/bill/111-S-911/
MLA
"S. 911: Promoting Mortgage Responsibility Act." 111th Congress, 2026, Open America, https://openamerica.io/bill/111-S-911/.
Bluebook (legal)
S. 911, 111th Cong. (2026), https://openamerica.io/bill/111-S-911/.
Markdown link
[S. 911: Promoting Mortgage Responsibility Act](https://openamerica.io/bill/111-S-911/)
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