Skip to main content
HR 3529 113th Congress House

Protecting Habitat Homeownership Act

Official title: To provide exemptions from certain mortgage, servicing, and appraisal requirements for non-profit low-income housing providers, and for other purposes.

Introduced: December 11, 2013 See on congress.gov
Housing and Community Development Consumer affairsConsumer creditHousing finance and home ownershipInterest, dividends, interest rates
More subjectsShow fewer subjects
Low- and moderate-income housingSocial work, volunteer service, charitable organizationsTax-exempt organizations
Sign in to write a letter Sign in to watch
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 2 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Nov 19, 2013
Referred to the House Committee on Financial Services.
Nov 19, 2013
Introduced in House
 Ask about this bill AI · grounded in the bill text

Have a question about what this bill does? Ask in plain English; the answer is drawn from the bill's actual text and official record, and it'll tell you when something isn't in the text rather than guess.

AI answers can be imperfect; always confirm against the full bill text.

 Latest action November 19, 2013

Referred to the House Committee on Financial Services.

 Plain-English summary Congressional Research Service

Protecting Habitat Homeownership Act - Amends the Truth in Lending Act and the Real Estate Settlement Procedures Act of 1974 to exempt residential mortgage loans originated by non-profit low-income housing providers from certain minimum loan standards as well as appraisal, servicing, and billing requirements.

Defines "non-profit low-income housing provider" as a tax-exempt charitable organization that does not engage in the business of a loan originator or mortgage broker but does make residential mortgage loans: (1) to promote or facilitate homeownership for poor or low-income, disabled, or other disadvantaged persons or families; and (2) at interest rates lower than the bank prime loan rate; or (3) that are, after adjusting for inflation, no-interest loans or loans with interest rates significantly below the interest rates for loans for purchase of single-family housing generally available in the market. Prescribes additional requirements.

 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 1
 Cosponsors 28
All 28 Democratic 3 Republican 8
Rokita, Todd
· Mar 12, 2014
KING, PETER
· Mar 5, 2014
Collins, Doug
· Mar 4, 2014
Long, Billy
· Mar 4, 2014
Roe, David
· Mar 4, 2014
 R
Wilson, Joe
South Carolina · Feb 28, 2014
Pittenger, Robert
· Feb 27, 2014
Bachmann, Michele
· Feb 26, 2014
DeSantis, Ron
· Feb 26, 2014
Luetkemeyer, Blaine
· Feb 26, 2014
Paulsen, Erik
· Feb 26, 2014
Brooks, Susan
· Feb 18, 2014
Flores, Bill
· Feb 18, 2014
JONES, WALTER
· Feb 18, 2014
Rooney, Thomas
· Feb 18, 2014
 R
Stutzman, Marlin A.
Indiana · Feb 18, 2014
 R
Wittman, Robert J.
Virginia · Feb 18, 2014
Stivers, Steve
· Feb 3, 2014
Barrow, John
· Jan 17, 2014
 R
Daines, Steve
Montana · Jan 17, 2014
 D
Meeks, Gregory W.
New York · Jan 17, 2014
 R
Cotton, Tom
Arkansas · Jan 16, 2014
 D
Schneider, Bradley Scott
Illinois · Jan 14, 2014
 R
Hudson, Richard
North Carolina · Dec 11, 2013
 R
Lummis, Cynthia M.
Wyoming · Nov 22, 2013
KINGSTON, JACK
· Nov 21, 2013
 D
Scott, Robert C. "Bobby"
Virginia · Nov 21, 2013
 R
Capito, Shelley Moore
West Virginia · Nov 19, 2013
Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 3529: Protecting Habitat Homeownership Act. 113th Congress. Open America. https://openamerica.io/bill/113-HR-3529/
MLA
"H.R. 3529: Protecting Habitat Homeownership Act." 113th Congress, 2026, Open America, https://openamerica.io/bill/113-HR-3529/.
Bluebook (legal)
H.R. 3529, 113th Cong. (2026), https://openamerica.io/bill/113-HR-3529/.
Markdown link
[H.R. 3529: Protecting Habitat Homeownership Act](https://openamerica.io/bill/113-HR-3529/)
Report a problem