legislation: 102-hr-4423

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bill_id congress bill_type bill_number title policy_area introduced_date latest_action_date latest_action_text origin_chamber sponsor_name sponsor_state sponsor_party sponsor_bioguide_id cosponsor_count summary_text update_date url
102-hr-4423 102 hr 4423 Homeowners' Equity Protection Act Housing and Community Development 1992-03-11 1992-04-01 Referred to the Subcommittee on Housing and Community Development. House Rep. Moran, James P. [D-VA-8] VA D M000933 4 Homeowners' Equity Protection Act - Requires a federally regulated institution to notify and offer a person defaulting on a federally related home mortgage a one-year period of forbearance (with interest but not principal payable during such period). Prohibits foreclosure during such period. Provides for foreclosure and sale upon the period's expiration. Requires foreclosing institutions to supply specified foreclosure and sale information to the appropriate Federal banking agencies for submission to the Secretary of Housing and Urban Development. States that a federally related mortgage shall not be classified as a substandard asset for Federal banking purposes unless the forebearance period has expired, the mortgage default has not been corrected, and the remaining principal balance is at least 80 percent of the home's appraised value. Applies such notice, forbearance, and foreclosure provisions to federally related mortgages held by nonfederally regulated institutions. 2025-08-26T15:13:48Z  

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