,i  #aagth ,,congress  #b;d ,session    
,h4 ,r4 #gjdi  ,,in ,,the ,,house ,,of  
,,representatives  ,march #i1 #bjbb,mr4 
,sherman introduced the following bill2 
which was referred to the ,committee on 
,financial ,services  ,a ,,bill  ,to    
amend the ,truth in ,lending ,act to    
require ,property ,assessed ,clean      
,energy financiers to receive the       
consent of mortgage holders and other   
lien holders before providing financing4
  #a4 ,short title ,this ,act may be    
cited as the ,mortgage ,borrower        
,protection ,act of #bjbb4  #b4         
,property ,assessed ,clean ,energy      
financing consent requirement ,section  
#abh of the ,truth in ,lending ,act 7#ae
 ,u4,s4,c4 #afch7 is amended by adding  
at the end the following3  7g7 ,property
 ,assessed ,clean ,energy financing     
consent requirement  7#a7 ,in general   
,with respect to a dwelling of a        
consumer that is the subject of a       
residential mortgage loan or other      
recorded lien1 it shall be unlawful to  

extend ,property ,assessed ,clean       
,energy financing to the dwelling owner 
with respect to such dwelling without   
first receiving the written consent of  
each owner of each residential mortgage 
loan and other recorded lien1 either    
directly from the owner or from a       
servicer4  7#b7 ,exception ,consent     
shall not be required under paragraph   
7#a7 from an owner of a residential     
mortgage loan or other recorded lien if 
amounts that become due and payable     
under the applicable ,property ,assessed
 ,clean ,energy financing will not have 
priority over such residential mortgage 
loan or other recorded lien4  7#c7      
,penalty ,with respect to any ,property 
,assessed ,clean ,energy financing      
extended in violation of this           
subsection-- 7,a7 such ,property        
,assessed ,clean ,energy financing shall
 be null and void2 and  7,b7 the        
consumer shall not be required to repay 
any amounts received under the ,property
 ,assessed ,clean ,energy financing4    

7#d7 ,definition of ,property ,assessed 
,clean ,energy financing ,in this       
subsection1 the term ,property ,assessed
 ,clean ,energy financing has the       
meaning given that term under section   
#abi;,c7b77#c77;,c77i74  4