|
The Helping Families Save Their Homes Act of 2009 () is an enacted public law in the United States. On May 20, 2009, the Senate bill was signed into law by President Barack Obama. The stated purpose of the act, a product of the 111th United States Congress, was to allow bankruptcy judges to modify mortgages on primary residences, among other purposes; however, that provision was dropped in the Senate and is not included in the version that was eventually signed into law. In addition, the bill amends the Hope for Homeowners Program as well as provide additional provisions to help borrowers avoid foreclosure. On May 20, 2009, President Obama signed the Homeless Emergency Assistance and Rapid Transition to Housing (HEARTH) Act into law (), reauthorizing HUD's Homeless Assistance programs. It was included as part of the Helping Families Save Their Homes Act of 2009. The HEARTH Act allows for the prevention of homelessness, rapid re-housing, consolidation of housing programs, and new homeless categories. In the eighteen months after the bill's signing, HUD must make regulations implementing this new McKinney program. 〔National Alliance to End Homelessness, ("Summary of HEARTH Act" ), June 8, 2009〕〔("The HEARTH Act - An Overview" ), National Law Center on Homelessness and Poverty, Washington, D.C.〕 In late 2009, some homeless advocacy organizations, such as the National Coalition for the Homeless, reported and published perceived problems with the HEARTH Act of 2009 as a HUD McKinney-Vento Reauthorization bill, especially with regard to privacy, definitional ineligibility, community roles, and restrictions on eligibile activities.〔National Coalition for the Homeless, ("NCH Public Policy Recommendations: HUD McKinney-Vento Reauthorization" ), Washington, D.C., September 14, 2009〕 ==Legislative history== In the wake of the bursting of the United States housing bubble and the collapse of the American subprime mortgage industry, this bill was introduced by Rep. John Conyers (D-Michigan) on February 23, 2009. It was then referred to the House Financial Services Committee, the House Judiciary Committee, and the House Veterans' Affairs Committee. However, on February 25, the House passed a resolution, 224-198, which permitted the Speaker of the House to declare the House resolved into the Committee of the Whole House for exclusive consideration of the Helping Families Save Their Homes Act, waiving most points of order against consideration of the bill and all points of order against provisions of the bill.〔(H.R.1106: All Legislative Actions ), Congressional Record, Library of Congress〕 On February 26, the House considered the bill under the provisions of the resolution passed the previous day, which provided for one hour of general debate. With Rep. José Serrano (D-New York) designated as chairman of the committee, the House debated the bill for one hour and then left it as unfinished business.〔 On March 5, the House voted to pass the bill, 234-191, with most Democrats supporting the bill and most Republicans opposing it.〔(Roll Call 104 ), via House.gov〕 The (engrossed ) House legislation was referred to the Senate Committee on Banking, Housing and Urban Affairs on March 11, 2009. Similar legislation, and were both introduced on April 27, 2009 since then. On May 6, the Senate passed S.896 on a vote of 91-5. The key difference between H.R.1106 and S.896 is that the latter does not include a controversial cram down provision, which failed to garner majority support in the Senate. On May 19, the House approved an amended version of S. 896 by a 367-54 vote, with one member voting "present". The Senate promptly approved the House's amendment, and President Obama signed the bill into law the next day. 抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』 ■ウィキペディアで「Helping Families Save Their Homes Act of 2009」の詳細全文を読む スポンサード リンク
|