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Code · BILL · 113th Congress · H.R. 4615 (Introduced in House) — To improve the accuracy of mortgage underwriting used by Federal mortgage agencies by ensuring that energy costs are... · Sec. 2

Sec. 2. Definitions

257 words·~1 min read·/bill/113/hr/4615/ih/section-2

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In this Act, the following definitions shall apply: The term covered agency — means— an executive agency, as that term is defined in section 102 of title 31, United States Code; and any other agency of the Federal Government; and includes any enterprise, as that term is defined under section 1303 of the Federal Housing Enterprises Financial Safety and Soundness Act of 1992 ( 12 U.S.C. 4502 ). The term covered loan means a loan secured by a home that is issued, insured, purchased, or securitized by a covered agency.
The term homeowner means the mortgagor under a covered loan. The term mortgagee means— an original lender under a covered loan or the holder of a covered loan at the time at which that mortgage transaction is consummated; any affiliate, agent, subsidiary, successor, or assignee of an original lender under a covered loan or the holder of a covered loan at the time at which that mortgage transaction is consummated; any servicer of a covered loan; and any subsequent purchaser, trustee, or transferee of any covered loan issued by an original lender.
The term Secretary means the Secretary of Housing and Urban Development. The term servicer means the person or entity responsible for the servicing of a covered loan, including the person or entity who makes or holds a covered loan if that person or entity also services the covered loan. The term servicing has the meaning given the term in section 6(i) of the Real Estate Settlement Procedures Act of 1974 ( 12 U.S.C. 2605(i) ).
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