mr. hensarling: mr. speaker, i am very, very pleased to yield five minutes to the gentleman from minnesota, mr. emmer, very valuable member of our committee, and the sponsor of the legislation. the speaker pro tempore: the gentleman is recognized. mr. emmer: thank you, mr. chair. mr. speaker, every citizen in our nation desires the chance to achieve their american dream. for thousands across this country, their american dream consists of owning a home or starting their own business. some laws have proven helpful in achieving this dream. others have created obstacles by codifying government overreach. in 1975, the home mortgage disclosure act was enacted. this important law exposed and helped eliminate discriminatory lending practices, particularly against minorities. in short, this law helped more americans realize their dream of owning a home over the years, however, the disclosures required by the law have expanded away from the original intent and have actually become an obstacle, preventing small, me

mr. hensarling: mr. speaker, i ask unanimous consent that all members may have five legislative days to revise and and submit remarks extraneous materials on the bill under consideration. the speaker pro tempore: without objection. mr. hensarling: mr. speaker, i yield myself such time as i may consume. the speaker pro tempore: pursuant to house resolution 693 and rule 18, the chair declares the house in the committee of the whole on the state of the union for consideration of h.r. 3326. the chair appoints the gentleman from tennessee, mr. duncan, to preside over the committee of the whole. the chair: the house is in the committee of the whole house on the state of the union for the consideration of h.r. 3326, which the clerk will report by title. the clerk: a bill to increase accountability, combat corruption, and strengthen management effectiveness at the world bank. the chair: pursuant to the rule, the bill is considered as read the first time. the gentleman from texas, mr. hensarling, and the gentlewo

mr. hensarling: thank you, mr. speaker. i yield myself 30 seconds to say, it was a most interesting and passionate speech my colleague gave. i have good news for him, the 13th, 14th, and 15th amendments are not repealed by this bill and neither is hmda, hmda is not repealed. even the new cfpb regulations that double the data of hmda is not repealed. i urge the gentleman from minnesota to actually read the bill which happens to be four pages long and he would find out that a current, a current exemption that exists under current law for the smallest financial institutions that are trying to make loans to the very people he claim he is wants to protect, that is slightly enlarged. now, mr. speaker, very happy to yield three to yield three minutes to the gentleman from arkansas, the majority whip of the financial services committee, mr. hill. mr. hill: thank you, mr. speaker. i thank our distinguished chairman, i appreciate my friend, mr. emmer, for introducing this bill. to make this very modest change which does help communit

mr. hensarling: i request the yeas and nays. the speaker pro tempore: the yeas and nays are requested. those in favor of the vote will rise. members will record their votes by electronic device. members, this is a five-minute vote. [captioning made possible by the national captioning institute, inc., in cooperation with the united states house of representatives. any use of the closed-captioned coverage of the house proceedings for political or commercial purposes is expressly prohibited by the u.s. house of representatives.] the speaker pro tempore: on this this 24 3rks the nays are 183. the bill -- 243, the nays are 183. the speaker pro tempore: on this vote the yeas are 243, the nays are 184. the bill is passed. without objection, the motion to reconsider is laid upon the table. the unfinished business is the question on agreeing to the motion to concur on the senate amendment of h.r. 195 with the gentleman from -- an amendment offered by the gentleman from new jersey. the clerk will redesignate the motion. the clerk: motion offered by mr. frelinghuysen of new jersey. the speaker pr

mr. hensarling for moving this bill, this very important bill and onto the house bill. i would like to congratulate and thank mr. trott, a terrific representative from the state of and gan for all the work charitable organizations throughout our country. the great state of maine that i represent, the rural part of our state has the oldest average age in the country. and we love our seniors not only in maine and they are very special parts of our society. my parents are 89 and 87. i'm very involved in their lives, especially in their health care, and i worry, mr. speaker, about our seniors. i worry about their health care. i worry about their safety. and one more thing i worry about, mr. speaker, i worry about them becoming victims of financial scams. now this happens throughout our country and has increasingly so, such that today, almost $3 billion is the result of scamming our seniors every single year. these con men have become creative. one type of scam that i learned about just absolutely hits me ome, a grandmother receives an email from supposedly a granddaughter. a

mrs. maloney, ranking member of the capital markets subcommittee. i'd also like to thank chairman hensarling and newt ke myer for their leadership on this important issue. this is supported by the financial services round table and the american bankers association and their letters of support have been entered into the record. with that, i urge adoption of this bill and yelled back. the speaker pro tempore: the gentleman yields back. the gentleman from colorado is recognized. mr. tipton: i yield back. the speaker pro tempore: the gentleman yields back. the question is, will the house suspend the rules and pass the bill h.r. 4292 as amended. those in favor say aye. those opposed, no. in the opinion of the chair, 2/3 being in the affirmative, the bill is passed -- >> mr. speaker. the speaker pro tempore: the gentleman from colorado. mr. tipton: on that, question the yeas and nays. the speaker pro tempore: the yeas and nays are requested. those in favor of taking this vote by the yeas and nays will rise and remain standing until counted. a sufficient number having risen, the yeas and nays are o

hensarling, ranking member waters, chairman barr and ranking member moore as well as my friend from wisconsin for their support and determination to get this important bill scheduled and passed. with that, mr. speaker, i'll reserve the balance of my time. the speaker pro tempore: the gentleman from connecticut reserves. the gentleman from wisconsin. mr. duffy: mr. speaker, i only have a couple brief comments. again, i think it's an important note to use the capacity at the mint that cost no additional money to the mint. but as mr. himes pointed out, we're celebrating innovation. and as a country we continue to innovate and create in a way that no one else does in the world and it's that innovation and creation that creates more and better jobs for our societies, our communities and for our families. so to celebrate that by way of a coin that costs the taxpayer no money but celebrates this great american trade i think is a wonderful idea and so with that i, again, urge all members to support this bill and i would yeble. the speaker pro tempore: the gentleman from wisconsin yields. the gentleman from connecticut. mr. himes: i thank the gentleman from wisconsin, again. i have no further reque