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H.R. 2673 113th Congress House

Portfolio Lending and Mortgage Access Act

Official title: To amend the Truth in Lending Act to provide that residential mortgage loans held on portfolio qualify as qualified mortgages for purposes of the presumption o… Show full official titleShow less

Official title: To amend the Truth in Lending Act to provide that residential mortgage loans held on portfolio qualify as qualified mortgages for purposes of the presumption of the ability to repay requirements under such Act.

Introduced: July 11, 2013 Introduced by: Andy Barr Republican · Kentucky See on congress.gov
Finance and Financial Sector Consumer creditHousing finance and home ownership
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This bill died when the 113th Congress ended
It never became law before the 113th Congress (2013–2014) 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 5 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Sep 16, 2014
Committee on Banking, Housing, and Urban Affairs. Hearings held.
May 22, 2014
Ordered to be Reported by the Yeas and Nays: 36 - 23.
May 22, 2014
Committee Consideration and Mark-up Session Held.
Jul 11, 2013
Referred to the House Committee on Financial Services.
Jul 11, 2013
Introduced in House
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 Latest action September 16, 2014

Committee on Banking, Housing, and Urban Affairs. Hearings held.

 Plain-English summary Congressional Research Service

Portfolio Lending and Mortgage Access Act - Amends the Truth in Lending Act with respect to the permission that a creditor may presume that a residential mortgage loan has met the requirement that, at the time the loan is consummated, the consumer has a reasonable ability to repay it, if the loan is a qualified mortgage.

Treats as a qualified mortgage any residential mortgage loan made by a creditor so long as it appears on the creditor's balance sheet (held on portfolio).

 Related & companion bills 1
  • S 2641 A bill to amend the Truth in Lending Act to provide that residential mortgage loans held in portfolio qualify and quali…
 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 2
 Cosponsors 41
All 41 Republican 12
Marino, Tom
· Nov 18, 2014
PETERSON, COLLIN
· Sep 11, 2014
Kline, John
· Sep 9, 2014
Barrow, John
· Sep 8, 2014
 R
Blackburn, Marsha
Tennessee · Sep 8, 2014
Owens, William
· Sep 8, 2014
Paulsen, Erik
· Sep 8, 2014
WHITFIELD, EDWARD
· Sep 8, 2014
Rothfus, Keith
· Jul 31, 2014
Tipton, Scott
· Jul 31, 2014
Fleming, John
· Jul 30, 2014
 R
Kelly, Mike
Pennsylvania · Jul 29, 2014
 R
Latta, Robert E.
Ohio · Jul 29, 2014
Boustany, Charles
· Jul 24, 2014
Chaffetz, Jason
· Jul 24, 2014
DUNCAN, JOHN
· Jul 24, 2014
LATHAM, TOM
· Jul 24, 2014
 R
Sessions, Pete
Texas · Jul 24, 2014
 R
Scalise, Steve
Louisiana · Jul 23, 2014
Palazzo, Steven
· Jul 22, 2014
Bishop, Rob
· Jul 17, 2014
Stewart, Chris
· Jul 16, 2014
Harper, Gregg
· Jul 15, 2014
JONES, WALTER
· Jul 15, 2014
Meadows, Mark
· Jul 15, 2014
 R
Fleischmann, Charles J. "Chuck"
Tennessee · Jul 9, 2014
 R
Lankford, James
Oklahoma · Jul 9, 2014
 R
Cole, Tom
Oklahoma · Jul 8, 2014
 R
Daines, Steve
Montana · Jul 8, 2014
Black, Diane
· Jul 3, 2014
 R
Cramer, Kevin
North Dakota · Jun 24, 2014
 R
Lucas, Frank D.
Oklahoma · Jun 24, 2014
Bridenstine, Jim
· Jun 23, 2014
Long, Billy
· Jun 23, 2014
Duffy, Sean
· Jun 19, 2014
Farenthold, Blake
· Jun 18, 2014
Jenkins, Lynn
· Jun 5, 2014
 R
Womack, Steve
Arkansas · May 28, 2014
Hultgren, Randy
· May 20, 2014
MILLER, GARY
· May 7, 2014
Luetkemeyer, Blaine
· May 6, 2014
Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 2673: Portfolio Lending and Mortgage Access Act. 113th Congress. Open America. https://openamerica.io/bill/113-HR-2673/
MLA
"H.R. 2673: Portfolio Lending and Mortgage Access Act." 113th Congress, 2026, Open America, https://openamerica.io/bill/113-HR-2673/.
Bluebook (legal)
H.R. 2673, 113th Cong. (2026), https://openamerica.io/bill/113-HR-2673/.
Markdown link
[H.R. 2673: Portfolio Lending and Mortgage Access Act](https://openamerica.io/bill/113-HR-2673/)
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