{"database": "openregs", "table": "legislation", "rows": [["115-s-2013", 115, "s", 2013, "Portfolio Lending and Mortgage Access Act", "Finance and Financial Sector", "2017-10-26", "2017-10-26", "Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.", "Senate", "Sen. Perdue, David [R-GA]", "GA", "R", "P000612", 0, "Portfolio Lending and Mortgage Access Act This bill amends the Truth in Lending Act to modify provisions related to residential mortgage loans. In general, a creditor that is a depository institution shall not be subject to suit for violating specified ability-to-pay requirements with respect to a residential mortgage loan if: (1) the creditor has consistently held the loan on its balance sheet, and (2) prepayment penalties associated with the loan comply with specified limitations. Similarly, a mortgage originator shall not be subject to suit for such a violation if: (1) the creditor is a depository institution; and (2) the creditor informs the mortgage originator, which informs the consumer, that the creditor intends to hold the loan on its balance sheet for the life of the loan.", "2023-01-11T13:38:14Z", "https://www.congress.gov/bill/115th-congress/senate-bill/2013"]], "columns": ["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"], "primary_keys": ["bill_id"], "primary_key_values": ["115-s-2013"], "units": {}, "query_ms": 0.4111621528863907, "source": "Federal Register API & Regulations.gov API", "source_url": "https://www.federalregister.gov/developers/api/v1", "license": "Public Domain (U.S. Government data)", "license_url": "https://www.regulations.gov/faq"}