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HR 2979 112th Congress House

Natural Disaster Emergency Mortgage Relief Act of 2011

Official title: To defer mortgage payment due dates and to prohibit creditors from imposing late fees, increasing interest rates, or submitting adverse credit information with… Show full official titleShow less

Official title: To defer mortgage payment due dates and to prohibit creditors from imposing late fees, increasing interest rates, or submitting adverse credit information with regard to the account of a mortgage holder whose principal residence has been severely impacted by a natural disaster for up to a 90-day period following issuance of a disaster declared by the Presidential for the area in which the mortgage holder's principal residence is located, and for other purposes.

Introduced: September 20, 2011 Introduced by: Smith, Christopher H. Republican · New Jersey See on congress.gov
Housing and Community Development Consumer affairsDisaster relief and insuranceHousing finance and home ownershipNatural disasters
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This bill died when the 112th Congress ended
It never became law before the 112th Congress (2011–2012) 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
Oct 4, 2011
Referred to the Subcommittee on Financial Institutions and Consumer Credit.
Sep 20, 2011
Referred to the House Committee on Financial Services.
Sep 20, 2011
Introduced in House
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 Latest action October 4, 2011

Referred to the Subcommittee on Financial Institutions and Consumer Credit.

 Plain-English summary Congressional Research Service

Natural Disaster Emergency Mortgage Relief Act of 2011 - Amends the Truth in Lending Act to allow temporary deferral of mortgage loan payments, without penalty and without adverse treatment of the consumer, during a 30-, 60-, or 90-day period in which a consumer's principal residence has been severely impacted by a natural disaster in an area for which the President has declared a major disaster.

 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 2
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APA
U.S. Congress. (2026). H.R. 2979: Natural Disaster Emergency Mortgage Relief Act of 2011. 112th Congress. Open America. https://openamerica.io/bill/112-HR-2979/
MLA
"H.R. 2979: Natural Disaster Emergency Mortgage Relief Act of 2011." 112th Congress, 2026, Open America, https://openamerica.io/bill/112-HR-2979/.
Bluebook (legal)
H.R. 2979, 112th Cong. (2026), https://openamerica.io/bill/112-HR-2979/.
Markdown link
[H.R. 2979: Natural Disaster Emergency Mortgage Relief Act of 2011](https://openamerica.io/bill/112-HR-2979/)
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