Which 45 Democrats Just Voted to Weaken Dodd-Frank, Undercut Mortgage Protections?

Yesterday, the House voted on two bills to weaken Dodd-Frank, undercut mortgage protections, and open the door to higher fees on borrowers.

The two bills were H.R. 650 "Preserving Access to Manufactured Housing Act" and H.R. 685 "The Mortgage Choice Act of 2015."

Americans for Financial Reform wrote to Congress last week opposing these two bills:

H.R. 650, the Preserving Access to Manufactured Housing Act of 2015, would make homeownership more costly for those who can least afford it. It would do this by raising the interest rate and points and fees trigger for protections under the high-cost mortgage protections of HOEPA for manufactured housing loans. This bill would not expand access to sustainable credit, but would strip away protections already created by Congress and implemented by the CFPB. If this bill became law it would permit an interest rate of close to 14% in today’s market for a 15- or 20-year loan on a family’s home mortgage without enhanced protections. In comparison, the going rate for traditional real-estate mortgages is currently around 4%.

H.R. 685, the Mortgage Choice Act of 2015, would reintroduce some of the high fees that borrowers faced in the lead up to the mortgage crisis, fees that the new mortgage rules were designed to prevent. It would create a loophole to the 3% points and fees threshold in the Qualified Mortgage (mortgage affordability) rules by excluding fees paid to title insurance companies affiliated with the lender. Increased loan fees would lead to hundreds, if not thousands, of dollars in needless mortgage fee expenses for each borrower on such loans, and encourage further price gouging in an already broken title insurance market.

Obama has already said that he plans to veto both bills if they reach his desk (here and here).

Nevertheless, some Democrats still went along with Republicans to do the bidding of their donors.
The Preserving Access to Manufactured Housing Act of 2015 passed 263 to 162.

One Republican--Walter Jones (NC-03)--voted against it.

22 Democrats voted for it:
Brad Ashford (NE-02)
Sanford Bishop (GA-02)
John Carney (DE-AL)
Lacy Clay (MO-01)
Jim Cooper (TN-05)
Jim Costa (CA-16)
Henry Cuellar (TX-28)
Pete DeFazio (OR-04)
John Delaney (MD-06)
Gwen Graham (FL-02)
Ron Kind (WI-03)
Ann Kirkpatrick (AZ-01)
Gregory Meeks (NY-05)
Seth Moulton (MA-06)
Scott Peters (CA-52)
Collin Peterson (MN-07)
Jared Polis (CO-02)
Kathleen Rice (NY-04)
David Scott (GA-13)
Terri Sewell (AL-07)
Brad Sherman (CA-30)
Kyrsten Sinema (AZ-09)

The Mortgage Choice Act of 2015 passed 286 to 140.

Again, Walter Jones was the sole Republican no.

45 Democrats voted for this bill:

Pete Aguilar (CA-31)
Brad Ashford (NE-02)
Joyce Beatty (OH-03)
Sanford Bishop (GA-02)
Brendan Boyle (PA-13)
Cheri Bustos (IL-17)
Gerry Connolly (VA-11)
Jim Cooper (TN-05)
Jim Costa (CA-16)
Henry Cuellar (TX-28)
John Delaney (MD-06)
Debbie Dingell (MI-12)
Mike Doyle (PA-14)
Tammy Duckworth (IL-08)
Bill Foster (IL-11)
John Garamendi (CA-03)
Gwen Graham (FL-02)
Al Green (TX-09)
Dan Kildee (MI-05)
Ron Kind (WI-03)
Ann Kirkpatrick (AZ-01)
Brenda Lawrence (MI-14)
Dan Lipinski (IL-03)
David Loebsack (IA-02)
Sean Maloney (NY-18)
Betty McCollum (MN-04)
Gregory Meeks (NY-05)
Seth Moulton (MA-06)
Patrick Murphy (FL-18)
Rick Nolan (MN-08)
Donald Norcross (NJ-01)
Bill Pascrell (NJ-09)
Scott Peters (CA-52)
Collin Peterson (MN-07)
Mike Quigley (IL-05)
Kathleen Rice (NY-04)
Dutch Ruppersberger (MD-02)
Kurt Schrader (OR-05)
David Scott (GA-13)
Brad Sherman (CA-30)
Kyrsten Sinema (AZ-09)
Albio Sires (NJ-08)
Dina Titus (NV-01)
Pete Visclosky (IN-01)
Frederica Wilson (FL-24)

Of particular note are Senate candidates Tammy Duckworth (IL) and Patrick Murphy (FL).