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HR 6395 112th Congress House

Foreclosure Accountability and Transparency Act

Official title: To provide homeowners with additional protections and safeguards against foreclosure, and for other purposes.

Introduced: September 13, 2012 See on congress.gov
Housing and Community Development Administrative remediesBanking and financial institutions regulationBusiness recordsConsumer affairs
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Department of Housing and Urban DevelopmentHousing finance and home ownership
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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 4 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Oct 1, 2012
Referred to the Subcommittee on Financial Institutions and Consumer Credit.
Oct 1, 2012
Referred to the Subcommittee on Insurance, Housing and Community Opportunity.
Sep 13, 2012
Referred to the House Committee on Financial Services.
Sep 13, 2012
Introduced in House
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 Latest action October 1, 2012

Referred to the Subcommittee on Financial Institutions and Consumer Credit.

 Plain-English summary Congressional Research Service

Foreclosure Accountability and Transparency Act - Prohibits commencement of a foreclosure action with respect to a federally related residential mortgage loan secured by a first or subordinate lien unless the person commencing the foreclosure complies with specified requirements pertaining to borrower: (1) notification, (2) assistance obtained from a Department of Housing and Urban Development (HUD)-approved housing counseling agency, and (3) application for loan modification or commencement of an alternative to foreclosure.

Makes a violation of this Act a bar to a foreclosure action.

Requires the person who commenced a foreclosure action, at the completion of such action, to certify that all federal, state, and local laws and regulations were followed and submit all applicable documentation in connection with such action to: (1) the borrower who was a party to the foreclosure action, (2) the recorder's office in the muncipality where the property securing the loan in connection with the covered residential mortgage is located, and (3) the Secretary of HUD.

 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 3
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APA
U.S. Congress. (2026). H.R. 6395: Foreclosure Accountability and Transparency Act. 112th Congress. Open America. https://openamerica.io/bill/112-HR-6395/
MLA
"H.R. 6395: Foreclosure Accountability and Transparency Act." 112th Congress, 2026, Open America, https://openamerica.io/bill/112-HR-6395/.
Bluebook (legal)
H.R. 6395, 112th Cong. (2026), https://openamerica.io/bill/112-HR-6395/.
Markdown link
[H.R. 6395: Foreclosure Accountability and Transparency Act](https://openamerica.io/bill/112-HR-6395/)
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