# 114-hr-1210: Portfolio Lending and Mortgage Access Act

114-hr-1210, Portfolio Lending and Mortgage Access Act, is a 114th Congress bill sponsored by Rep. Barr, Andy [R-KY-6] (R-KY); status Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. (as of 2025-11-18).

- Canonical: https://policyrisk.com/legislation/114-hr-1210
- As of: 2025-11-18
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 114-hr-1210
- Congress: 114
- Title: Portfolio Lending and Mortgage Access Act
- Status: Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
- Introduced: 2015-03-03
- Sponsor: Rep. Barr, Andy [R-KY-6] (R-KY)
- Cosponsors: 54
- Policy area: Finance and Financial Sector
- Touches household money: no
- Last recorded action: 2025-11-18

## Summary

Portfolio Lending and Mortgage Access Act This bill amends the Truth in Lending Act to create a safe harbor from lawsuit for creditors that are depository institutions for any failure to comply with certain requirements with respect to a residential mortgage loan, and the banking regulators are required to treat such a loan as a qualified mortgage, if the creditor has, since the loan's origination, held it on its balance sheet and all prepayment penalties with respect to the loan comply with specified limitations. A safe harbor from lawsuit is also created for mortgage originators for steering a consumer to a residential mortgage loan if: the creditor is a depository institution and has informed the mortgage originator that it intends to hold the loan on its balance sheet for the life of the loan, and the mortgage originator informs the consumer that the creditor intends to do so.

## Cosponsors (54)

- Rep. Emmer, Tom [R-MN-6] (R-MN), 2015-03-03T00:00:00.000Z
- PETER KING (R-NY), 2015-03-03T00:00:00.000Z
- Rep. Mulvaney, Mick [R-SC-5] (R-SC), 2015-03-03T00:00:00.000Z
- Rep. Young, David [R-IA-3] (R-IA), 2015-03-19T00:00:00.000Z
- Rep. Poe, Ted [R-TX-2] (R-TX), 2015-03-24T00:00:00.000Z
- Rep. Guthrie, Brett [R-KY-2] (R-KY), 2015-03-24T00:00:00.000Z
- Rep. Fleischmann, Charles J. "Chuck" [R-TN-3] (R-TN), 2015-03-25T00:00:00.000Z
- Rep. Brooks, Susan W. [R-IN-5] (R-IN), 2015-03-25T00:00:00.000Z
- Rep. Olson, Pete [R-TX-22] (R-TX), 2015-03-25T00:00:00.000Z
- Rep. Davis, Rodney [R-IL-13] (R-IL), 2015-04-13T00:00:00.000Z
- Rep. Curbelo, Carlos [R-FL-26] (R-FL), 2015-04-14T00:00:00.000Z
- Rep. Wilson, Joe [R-SC-2] (R-SC), 2015-04-14T00:00:00.000Z
- Rep. Pearce, Stevan [R-NM-2] (R-NM), 2015-04-14T00:00:00.000Z
- Rep. Collins, Chris [R-NY-27] (R-NY), 2015-04-14T00:00:00.000Z
- Rep. Johnson, Bill [R-OH-6] (R-OH), 2015-04-21T00:00:00.000Z
- Rep. Noem, Kristi L. [R-SD-At Large] (R-SD), 2015-04-21T00:00:00.000Z
- Rep. Stewart, Chris [R-UT-2] (R-UT), 2015-05-01T00:00:00.000Z
- Rep. Sessions, Pete [R-TX-17] (R-TX), 2015-05-13T00:00:00.000Z
- Sen. Cramer, Kevin [R-ND] (R-ND), 2015-05-13T00:00:00.000Z
- Rep. Duffy, Sean P. [R-WI-7] (R-WI), 2015-03-03T00:00:00.000Z
- Rep. Fincher, Stephen Lee [R-TN-8] (R-TN), 2015-03-03T00:00:00.000Z
- Rep. Guinta, Frank C. [R-NH-1] (R-NH), 2015-03-03T00:00:00.000Z
- Rep. Hill, J. French [R-AR-2] (R-AR), 2015-03-03T00:00:00.000Z
- Rep. Hultgren, Randy [R-IL-14] (R-IL), 2015-03-03T00:00:00.000Z
- Rep. Lucas, Frank D. [R-OK-3] (R-OK), 2015-03-03T00:00:00.000Z
- Rep. Amodei, Mark E. [R-NV-2] (R-NV), 2015-03-03T00:00:00.000Z
- Rep. Blum, Rod [R-IA-1] (R-IA), 2015-03-03T00:00:00.000Z
- Rep. Dold, Robert J. [R-IL-10] (R-IL), 2015-03-03T00:00:00.000Z
- Rep. Hartzler, Vicky [R-MO-4] (R-MO), 2015-03-03T00:00:00.000Z
- Rep. Joyce, David P. [R-OH-14] (R-OH), 2015-03-03T00:00:00.000Z
- Rep. Luetkemeyer, Blaine [R-MO-3] (R-MO), 2015-03-03T00:00:00.000Z
- Rep. Messer, Luke [R-IN-6] (R-IN), 2015-03-03T00:00:00.000Z
- Rep. Neugebauer, Randy [R-TX-19] (R-TX), 2015-03-03T00:00:00.000Z
- Rep. Renacci, James B. [R-OH-16] (R-OH), 2015-03-03T00:00:00.000Z
- Rep. Ribble, Reid J. [R-WI-8] (R-WI), 2015-03-03T00:00:00.000Z
- Rep. Rothfus, Keith J. [R-PA-12] (R-PA), 2015-03-03T00:00:00.000Z
- Rep. Stivers, Steve [R-OH-15] (R-OH), 2015-03-03T00:00:00.000Z
- Rep. Stutzman, Marlin A. [R-IN-3] (R-IN), 2015-03-03T00:00:00.000Z
- Rep. Tipton, Scott R. [R-CO-3] (R-CO), 2015-03-03T00:00:00.000Z
- Rep. Weber, Randy K. Sr. [R-TX-14] (R-TX), 2015-03-03T00:00:00.000Z
- Rep. Marchant, Kenny [R-TX-24] (R-TX), 2015-03-04T00:00:00.000Z
- Rep. Rice, Tom [R-SC-7] (R-SC), 2015-03-04T00:00:00.000Z
- Rep. Zinke, Ryan K. [R-MT-1] (R-MT), 2015-03-16T00:00:00.000Z
- Rep. Valadao, David G. [R-CA-22] (R-CA), 2015-03-16T00:00:00.000Z
- Rep. Meadows, Mark [R-NC-11] (R-NC), 2015-03-16T00:00:00.000Z
- Rep. McClintock, Tom [R-CA-5] (R-CA), 2015-03-16T00:00:00.000Z
- Rep. Walberg, Tim [R-MI-5] (R-MI), 2015-03-16T00:00:00.000Z
- Rep. Wagner, Ann [R-MO-2] (R-MO), 2015-03-16T00:00:00.000Z
- Rep. Poliquin, Bruce [R-ME-2] (R-ME), 2015-03-19T00:00:00.000Z
- Rep. Zeldin, Lee M. [R-NY-1] (R-NY), 2015-05-13T00:00:00.000Z
- Rep. Babin, Brian [R-TX-36] (R-TX), 2015-05-13T00:00:00.000Z
- Rep. Gosar, Paul A. [R-AZ-9] (R-AZ), 2015-06-01T00:00:00.000Z
- Rep. Pittenger, Robert [R-NC-9] (R-NC), 2015-07-28T00:00:00.000Z
- Rep. Williams, Roger [R-TX-25] (R-TX), 2015-07-28T00:00:00.000Z

## Related bills

- 114-hr-160: Protect Medical Innovation Act of 2015
- 114-hr-1190: Protecting Seniors' Access to Medicare Act of 2015
- 114-hr-699: Email Privacy Act
- 114-hr-4773: Protecting Workplace Advancement and Opportunity Act
- 114-hr-3929: Office of Strategic Services Congressional Gold Medal Act
- 114-hr-1624: Protecting Affordable Coverage for Employees Act

## Sources
- [114-hr-1210 on Congress.gov](https://www.congress.gov/bill/114th-congress/house-bill/1210)

## Related
- [114-hr-160: Protect Medical Innovation Act of 2015](https://policyrisk.com/legislation/114-hr-160)
- [114-hr-1190: Protecting Seniors' Access to Medicare Act of 2015](https://policyrisk.com/legislation/114-hr-1190)
- [114-hr-699: Email Privacy Act](https://policyrisk.com/legislation/114-hr-699)
- [114-hr-4773: Protecting Workplace Advancement and Opportunity Act](https://policyrisk.com/legislation/114-hr-4773)
- [114-hr-3929: Office of Strategic Services Congressional Gold Medal Act](https://policyrisk.com/legislation/114-hr-3929)
- [114-hr-1624: Protecting Affordable Coverage for Employees Act](https://policyrisk.com/legislation/114-hr-1624)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/114-hr-1210 (as of 2025-11-18).