(at the request of Governor Theodore R. Kulongoski for Department of Consumer and Business Services)
Chief Sponsors:
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Regular Sponsors:
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Bill Title:
Relating to mortgage transactions.
Catchline/Summary:
Prohibits mortgage banker, mortgage broker or loan originator from making, negotiating or offering to make or negotiate negative amortization loan without evaluating and verifying borrower's ability to repay loan. Prohibits mortgage banker, mortgage broker or loan originator from making, negotiating or offering to make or negotiate negative amortization loan without evaluating and verifying borrower's ability to repay loan.
Requires mortgage banker, mortgage broker or loan originator that advertises or solicits business and conducts transaction substantially in language other than English to provide borrower with certain materials in language in which parties conduct transaction.
Provides that court may not award attorney fees to mortgage banker or mortgage broker that prevails as defendant in action brought in connection with residential mortgage transaction if person who commenced action did so in good faith and provided defendant with certain notices before commencing action. Extends time limit for commencing action by 20 days for person who complies with these requirements.].
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HB 2188 Joint Committee On Ways and Means
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