Providing for consideration of the bill (H.R. 650) to amend the Truth in Lending Act to modify the definitions of a mortgage originator and a high-cost mortgage, providing for consideration of the bill (H.R. 685) to amend the Truth in Lending Act to improve upon the definitions provided for points and fees in connection with a mortgage transaction, and providing for the adoption of the concurrent resolution (S. Con. Res. 11) setting forth the congressional budget for the United States Government for fiscal year 2016 and setting forth the appropriate budgetary levels for fiscal years 2017 through 2025.

Bill 114 HRES 189 is a resolution that provides for the consideration of three separate bills in the US Congress. The first bill, H.R. 650, aims to amend the Truth in Lending Act by modifying the definitions of a mortgage originator and a high-cost mortgage. This bill seeks to make changes to the regulations surrounding mortgage lending in order to better protect consumers and ensure transparency in the lending process.

The second bill, H.R. 685, also seeks to amend the Truth in Lending Act by improving upon the definitions provided for points and fees in connection with a mortgage transaction. This bill aims to clarify and strengthen the regulations surrounding fees associated with mortgage transactions in order to prevent predatory lending practices and ensure that borrowers are fully informed about the costs associated with their loans.

Lastly, the resolution also provides for the adoption of the concurrent resolution S. Con. Res. 11, which sets forth the congressional budget for the United States Government for fiscal year 2016 and establishes appropriate budgetary levels for fiscal years 2017 through 2025. This resolution outlines the budget priorities and spending levels for the federal government over the next several years. Overall, Bill 114 HRES 189 addresses important issues related to mortgage lending regulations and federal budgeting, with the goal of protecting consumers, promoting transparency, and ensuring responsible fiscal management.