Helping Expand Lending Practices in Rural Communities Act

3/14/2024, 12:48 PM

Helping Expand Lending Practices in Rural Communities Act - Directs the Consumer Financial Protection Bureau (CFPB) to establish an application process under which a person who lives or does business in a state may apply to have an area in the state identified as a rural area if it has not yet been so designated by the CFPB for purposes of federal consumer financial law.

Prescribes criteria for the CFPB to consider when evaluating the application.

Requires the CFPB to: (1) grant or deny the application within 90 days after the public comment period ends; and (3) publish the grant or denial in the Federal Register, including an explanation of the factors upon which the CFPB relied in making its determination.

Sunsets this Act two years after its date of enactment.

Congress
113

Number
HR - 2672

Introduced on
2013-07-11

# Amendments
0

Sponsors
+5

Cosponsors
+5

Variations and Revisions

5/7/2014

Status of Legislation

Bill Introduced
Introduced to House
Passed in House
Introduced to Senate
Senate to Vote

Purpose and Summary

Helping Expand Lending Practices in Rural Communities Act - Directs the Consumer Financial Protection Bureau (CFPB) to establish an application process under which a person who lives or does business in a state may apply to have an area in the state identified as a rural area if it has not yet been so designated by the CFPB for purposes of federal consumer financial law.

Prescribes criteria for the CFPB to consider when evaluating the application.

Requires the CFPB to: (1) grant or deny the application within 90 days after the public comment period ends; and (3) publish the grant or denial in the Federal Register, including an explanation of the factors upon which the CFPB relied in making its determination.

Sunsets this Act two years after its date of enactment.

Alternative Names
Official Title as IntroducedTo amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to provide for an application process for interested parties to apply for a county to be designated as a rural area, and for other purposes.

Policy Areas
Finance and Financial Sector

Potential Impact
Administrative remedies•
Banking and financial institutions regulation•
Consumer Financial Protection Bureau•
Consumer credit•
Rural conditions and development

Comments

Recent Activity

Latest Summary12/9/2014

Helping Expand Lending Practices in Rural Communities Act - Directs the Consumer Financial Protection Bureau (CFPB) to establish an application process under which a person who lives or does business in a state may apply to have an area in the st...


Latest Action9/16/2014
Committee on Banking, Housing, and Urban Affairs. Hearings held.