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S. 2296IntroducedSenateHouse · nowPresidentLawIn the House
Sec. 5402 · S. 2296

Small dollar mortgage points and fees

Division I — ROAD to Housing Act › Title IV — Accessing the American Dream

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(a) Small dollar mortgage defined In this section, the term small dollar mortgage means a mortgage with an original principal obligation of less than $100,000. (b) Amendments (1) In general Not later than 270 days after the date of enactment of this Act, the Director of the Bureau of Consumer Financial Protection, in consultation with the Secretary of Housing and Urban Development and the Director of the Federal Housing Finance Agency, shall evaluate the impact of the existing thresholds under section 1026.43 of title 12, Code of Federal Regulations, on small dollar mortgage originations. (2) Rulemaking Following the evaluation required under paragraph (1), the Director of the Bureau of Consumer Financial Protection may initiate rulemaking to amend the limitations with respect to points and fees under section 1026.43 of title 12, Code of Federal Regulations, or any successor regulation, to encourage additional lending for small dollar mortgages.