mrs. biggert: mr.imous consent that all members may have five legislative days in which to revise and extend their remarks and to add extraneous material on this bill. the speaker pro tempore: without objection. mrs. biggert: mr. speaker, i yield myself such time as i may consume. the speaker pro tempore: the gentlelady is recognized. mrs. biggert: mr. speaker, i rise today in support of h.r. 6186, introduced by my friend and colleague on the financial services committee, congresswoman gwen moore. h.r. 6816 would require the federal emergency management agency, fema, the agency which administers the national flood insurance program, nfip, to conduct a study on the advantages and disadvantages of providing voluntary, community-based flood insurance through nfip and report its recommendations for implementation to congress within 18 months. h.r. 6186 also requires the government accountability office, g.a.o., to analyze fema's report and submit its comments or recommendations on it to congress within six

mrs. biggert: mr. speaker, i move to suspend the rules and pass the bill h.r. 6361 with amendments. the speaker pro tempore: the clerk will report the title of the bill. the clerk: h.r. 6361, a bill to exclude from consideration as income under the united states housing act of 1937 payments of pension made under section 1521 of title 38, united states code, to veterans who are in need of regular aid and attendance and for other purposes. the speaker pro tempore: pursuant to the rule, the gentlewoman from illinois, mrs. biggert, and the gentlewoman from new york, mrs. maloney, each will control 20 minutes. the chair recognizes the gentlewoman from illinois. mrs. biggert: mr. speaker, i ask unanimous consent that all members may have five legislative days in which to revise and extend their remarks and add extraneous material on this bill. the speaker pro tempore: without objection, so ordered. mrs. biggert: mr. speaker, i yield myself such time as i may consume. the speaker pro tempore: the gentlelady i

mrs. biggert, to suspend the rules and pass h.r. 6186 on this che yeas and nays are ordered. the clerk will report the bill. the clerk: h.r. 6186, a bill to require a study of community-based flood insurance options and how such options can be incorporated into the national flood insurance program and for other purposes. the speaker pro tempore: the question is, will the house suspend the rules and pass the bill? members will record their votes by electronic device. 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 vote the yeas are 364, the nays are 11. 2/3 being in the affirmative, the rules are suspended, the motion is passed. without objection the motion to reconsider is laid on the table. the speaker pro tempore: the chair lays before the house the physical lowing p

mrs. biggert, is recognized for five minutes. >> thank you, mr. chairman. director cordray, i think i want to continue a little bit on the way that said before about respa and tla. it seems that dodd-frank failed to provide the cfpb with authority to merge the statutes. and i know we worked to try and get them together as they were working on that so that they didn't come up with a disparate in -- disparity in those statutes but that happened. there seems to be a conflict between the statutes and their application or policy goals. can you or your staff suggest legislative language that would resolve the differences, the conflict between the two statutes? should they be merged? >> maybe, congresswoman, help me understand what i was not clear on in congressman mchenry's question before. what congress did in the reform law they said that the forms that applied, the disclosures that apply to mortgage transactions at application and again at closing, those needed to be merged and consolidated and if possible streamlined because it was just too confusing for peop

mrs. biggert, to suspend the rules and pass h.r. 4264, as amended, on which the yeas and nays are ordered. the clerk will report the title of the bill. the clerk: h.r. 4264, a bill to help ensure the fiscal solvency of f.h.a. mortgage insurance program of the secretary of housing and urban development, and for other purposes. the speaker pro tempore: the question is, will the house suspend the rules and pass the bill as amended. members will record their votes by electronic device. this will be a five-minute vote. [captioning made possible by the national captioning institute, inc., in cooperatn 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 vote the yeas are 402. the nays are 7. 2/3 of those voting having responded in the affirmative, the rules are suspended, the bill is passed, and without objection the motion to reconsider is thration. -- is laid upon the table. pursuant to clause 8 of rul