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11 October 1980
To amend the Equal Credit Opportunity Act to remove the ban on the extension of credit to qualified persons with a housing and community development credit history and to enable an extension of credit on properties of 5 or fewer rental units.
H.R. 96, the Housing and Community Development Act of 1980 was introduced in the United States House of Representatives on March 2, 1980 by Rep. Wright Patman (D-Tex.). The proposed act would have extended special tax credits to low-income purchasers of homes for low-income people, created a special fund to provide loans and grant money to low-income housing borrowers, and required lenders to pre-approve most sales of homes to eligible buyers, and limit the use of a consumer’s credit history to approve sales. Its chief sponsor was Rep. Wright Patman, who originally proposed an act to encourage homeownership for low-income families.[1]
The committee on Government Operations of the U.S. House of Representatives held three hearings on the bill in May and June 1980 to receive public comment. Witnesses who testified included the Federal Home Loan Bank of Chicago, the American Bankers Association, the National Association of Savings and Loan Associations, and the Consumer Credit Counsel of America. Subsequent committee hearings were held on September 25 and October 4, October 17 and 19, 1980 to receive further public comment.[2] The bill was reported out of committee on October 11, 1980. On March 16, 1981, the bill passed the U.S. House of Representatives by a vote of 388-17.
While both major parties expressed support for the bill, it was rejected by the Senate on March 23, 1981 and on March 24 the House of Representatives voted to take up and possibly pass it again. The Senate’s rejection was based on a determination by Majority Leader Howard Baker that the bill was not a priority item and therefore the economic emergency was not so acute that passage of the bill was justified.[3] This was part of a strategy to avoid a confrontation with President Ronald Reagan over the proposed tax increase, which the president threatened to veto unless the Senate passed the bill.[4]
The bill was reintroduced on October 10, 1983 during the first session of the 104th Congress. It was supported by Senators Joseph Biden and Edward Kennedy as a
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