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H.R. 4521 113th Congress House

Community Institution Mortgage Relief Act of 2014

Official title: To modify exemptions for small creditors and mortgage loan servicers, to require a study of appropriate capital requirements for mortgage servicing assets for … Show full official titleShow less

Official title: To modify exemptions for small creditors and mortgage loan servicers, to require a study of appropriate capital requirements for mortgage servicing assets for nonsystemic banking institutions, and for other purposes.

Introduced: June 24, 2014 See on congress.gov
Housing and Community Development Administrative law and regulatory proceduresBank accounts, deposits, capitalBanking and financial institutions regulationConsumer Financial Protection Bureau
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Federal Reserve SystemHousing finance and home ownershipReal estate businessSmall business
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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 4 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
May 22, 2014
Ordered to be Reported by the Yeas and Nays: 43 - 16.
May 22, 2014
Committee Consideration and Mark-up Session Held.
Apr 30, 2014
Referred to the House Committee on Financial Services.
Apr 30, 2014
Introduced in House
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 Latest action May 22, 2014

Ordered to be Reported by the Yeas and Nays: 43 - 16.

 Plain-English summary Congressional Research Service

Community Institution Mortgage Relief Act of 2014 - Amends the Truth in Lending Act (TILA) to require the Board of Governors of the Federal Reserve System to exempt from certain escrow or impound requirements a loan secured by a first lien on a consumer's principal dwelling if the loan is held by a creditor with assets of $10 billion or less.

Amends the Real Estate Settlement Procedures Act of 1974 to direct the Consumer Financial Protection Bureau (CFPB) to provide either exemptions or adjustments from the mortgage loan servicing and escrow account administration requirements of the Act for servicers that annually service 20,000 or fewer mortgage loans.

 Related & companion bills 3
  • HR 1750 CLEAR Relief Act of 2013
  • HR 4304 Jumpstarting Opportunities with Bold Solutions Act
  • HR 5786 Small Financial Institutions Regulatory Relief Act of 2014
 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 1
 Cosponsors 37
All 37 Republican 9
Barrow, John
· Nov 12, 2014
 R
Cassidy, Bill
Louisiana · Sep 18, 2014
Nunnelee, Alan
· Jul 31, 2014
Nugent, Richard
· Jul 28, 2014
Chaffetz, Jason
· Jul 24, 2014
 R
Sessions, Pete
Texas · Jul 24, 2014
Bishop, Rob
· Jul 17, 2014
Harper, Gregg
· Jul 15, 2014
JONES, WALTER
· Jul 15, 2014
Meadows, Mark
· Jul 15, 2014
Stewart, Chris
· Jul 15, 2014
Black, Diane
· Jul 10, 2014
COOPER, JAMES
· Jul 10, 2014
 R
Daines, Steve
Montana · Jul 10, 2014
Ellmers, Renee
· Jul 10, 2014
 R
Lankford, James
Oklahoma · Jul 10, 2014
Bridenstine, Jim
· Jun 24, 2014
 R
Cramer, Kevin
North Dakota · Jun 24, 2014
Long, Billy
· Jun 24, 2014
 R
Lucas, Frank D.
Oklahoma · Jun 24, 2014
Farenthold, Blake
· Jun 18, 2014
McAllister, Vance
· Jun 18, 2014
Fincher, Stephen
· Jun 17, 2014
Jenkins, Lynn
· Jun 5, 2014
Noem, Kristi
· Jun 5, 2014
 R
Womack, Steve
Arkansas · May 28, 2014
Griffin, Tim
· May 21, 2014
Neugebauer, Randy
· May 15, 2014
BACHUS, SPENCER
· May 9, 2014
MILLER, GARY
· May 9, 2014
Stivers, Steve
· May 9, 2014
McHenry, Patrick
· May 7, 2014
 R
Barr, Andy
Kentucky · May 6, 2014
 R
Cotton, Tom
Arkansas · May 6, 2014
Hultgren, Randy
· May 6, 2014
Pittenger, Robert
· May 6, 2014
Ross, Dennis
· May 6, 2014
Cite this page click to expand
APA
U.S. Congress. (2026). H.R. 4521: Community Institution Mortgage Relief Act of 2014. 113th Congress. Open America. https://openamerica.io/bill/113-HR-4521/
MLA
"H.R. 4521: Community Institution Mortgage Relief Act of 2014." 113th Congress, 2026, Open America, https://openamerica.io/bill/113-HR-4521/.
Bluebook (legal)
H.R. 4521, 113th Cong. (2026), https://openamerica.io/bill/113-HR-4521/.
Markdown link
[H.R. 4521: Community Institution Mortgage Relief Act of 2014](https://openamerica.io/bill/113-HR-4521/)
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