# 114-hr-4997: Home Mortgage Disclosure Adjustment Act

114-hr-4997, Home Mortgage Disclosure Adjustment Act, is a 114th Congress bill sponsored by Rep. Emmer, Tom [R-MN-6] (R-MN); status Referred to the House Committee on Financial Services. (as of 2025-11-18).

- Canonical: https://policyrisk.com/legislation/114-hr-4997
- 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-4997
- Congress: 114
- Title: Home Mortgage Disclosure Adjustment Act
- Status: Referred to the House Committee on Financial Services.
- Introduced: 2016-04-20
- Sponsor: Rep. Emmer, Tom [R-MN-6] (R-MN)
- Cosponsors: 5
- Policy area: Finance and Financial Sector
- Touches household money: no
- Last recorded action: 2025-11-18

## Summary

Home Mortgage Disclosure Adjustment Act This bill amends the Home Mortgage Disclosure Act of 1975 to exempt from maintenance of mortgage loan records and disclosure requirements depository institutions that have originated in each of the two preceding calendar years: fewer than 100 closed-end mortgage loans, and fewer than 200 open-end lines of credit.

## Cosponsors (5)

- Rep. Guinta, Frank C. [R-NH-1] (R-NH), 2016-04-20T00:00:00.000Z
- Rep. Barr, Andy [R-KY-6] (R-KY), 2016-04-20T00:00:00.000Z
- Rep. Luetkemeyer, Blaine [R-MO-3] (R-MO), 2016-04-20T00:00:00.000Z
- Rep. Mulvaney, Mick [R-SC-5] (R-SC), 2016-04-20T00:00:00.000Z
- Rep. Hill, J. French [R-AR-2] (R-AR), 2016-04-20T00:00:00.000Z

## Related bills

- 114-hr-5143: Transparent Insurance Standards Act of 2016
- 114-hr-4773: Protecting Workplace Advancement and Opportunity Act
- 114-hr-4768: Separation of Powers Restoration Act of 2016
- 114-hr-2903: Craft Beverage Modernization and Tax Reform Act of 2015
- 114-hr-1737: Reforming CFPB Indirect Auto Financing Guidance Act
- 114-hr-1550: Financial Stability Oversight Council Improvement Act of 2015

## Sources
- [114-hr-4997 on Congress.gov](https://www.congress.gov/bill/114th-congress/house-bill/4997)

## Related
- [114-hr-5143: Transparent Insurance Standards Act of 2016](https://policyrisk.com/legislation/114-hr-5143)
- [114-hr-4773: Protecting Workplace Advancement and Opportunity Act](https://policyrisk.com/legislation/114-hr-4773)
- [114-hr-4768: Separation of Powers Restoration Act of 2016](https://policyrisk.com/legislation/114-hr-4768)
- [114-hr-2903: Craft Beverage Modernization and Tax Reform Act of 2015](https://policyrisk.com/legislation/114-hr-2903)
- [114-hr-1737: Reforming CFPB Indirect Auto Financing Guidance Act](https://policyrisk.com/legislation/114-hr-1737)
- [114-hr-1550: Financial Stability Oversight Council Improvement Act of 2015](https://policyrisk.com/legislation/114-hr-1550)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/114-hr-4997 (as of 2025-11-18).