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Vote number 2009-H104 modifying bankruptcy rules to avoid mortgage foreclosures
on Mar 5, 2009 regarding bill HR1106&S896 Helping Families Save Their Homes Act
Results: Passed 234-191

Congressional Summary:Amends federal bankruptcy law to exclude debts secured by the debtor's principal residence that was either sold in foreclosure or surrendered to the creditor.

Proponent's argument to vote Yes:Rep. PETER WELCH (D, VT-0): Citigroup supports this bill. Why? They're a huge lender. They understand that we have to stabilize home values in order to begin the recovery, and they need a tool to accomplish it. Mortgages that have been sliced and diced into 50 different sections make it impossible even for a mortgage company and a borrower to come together to resolve the problem that they share together.

Sen. DICK DURBIN (D, IL): 8.1 million homes face foreclosure in America today. Last year, I offered this amendment to change the bankruptcy law, and the banking community said: Totally unnecessary. In fact, the estimates were of only 2 million homes in foreclosure last year. America is facing a crisis.

Opponent's argument to vote No:

Sen. JON KYL (R, AZ): This amendment would allow bankruptcy judges to modify home mortgages by lowering the principal and interest rate on the loan or extending the term of the loan. The concept in the trade is known as cram-down. It would apply to all borrowers who are 60 days or more delinquent. Many experts believe the cram-down provision would result in higher interest rates for all home mortgages. We could end up exacerbating this situation for all the people who would want to refinance or to take out loans in the future.

Rep. MICHELE BACHMANN (R, MN-6): Of the foundational policies of American exceptionalism, the concepts that have inspired our great Nation are the sanctity of private contracts and upholding the rule of law. This cramdown bill crassly undercuts both of these pillars of American exceptionalism. Why would a lender make a 30-year loan if they fear the powers of the Federal Government will violate the very terms of that loan?

Categorized under Budget & Economy



Democrats voting on 2009-H104

Neil Abercrombie YESHawaii Democrat (Resigned 2010)
Gary Ackerman YESNew York Dem./Ind./Lib./Working-Fam.
John Adler YESNew Jersey Democrat (until 2010)
Jason Altmire YESPennsylvania Democrat
Rob Andrews YESNew Jersey Democrat
Michael Arcuri NONew York Democrat (until 2010)
Joe Baca YESCalifornia Democrat
Brian Baird YESWashington Democrat (until 2010)
Tammy Baldwin YESWisconsin Democrat
John Barrow YESGeorgia Democrat
Melissa Bean YESIllinois Democrat (Unseated 2010)
Xavier Becerra YESCalifornia Democrat
Shelley Berkley YESNevada Democrat (Senate run 2012)
Howard Berman YESCalifornia Democrat
Sanford Bishop YESGeorgia Democrat
Timothy Bishop YESNew York Democrat
Earl Blumenauer YESOregon Democrat
John Boccieri YESOhio Democrat (until 2010)
Dan Boren NOOklahoma Democrat (Retiring 2012)
Leonard Boswell YESIowa Democrat
Rick Boucher NOVirginia Democrat (until 2010)
Robert Brady YESPennsylvania Democrat
Bruce Braley YESIowa Democrat
Bobby Bright NOAlabama Democrat (Unseated 2010)
Corrine Brown YESFlorida Democrat
G.K. Butterfield YESNorth Carolina Democrat
Lois Capps YESCalifornia Democrat
Michael Capuano YESMassachusetts Democrat
Dennis Cardoza YESCalifornia Democrat
Russ Carnahan YESMissouri Democrat
Chris Carney NOPennsylvania Democrat (until 2010)
Andre Carson YESIndiana Democrat
Kathy Castor YESFlorida Democrat
Ben Chandler YESKentucky Democrat
Travis Childers NOMississippi Democrat (until 2010)
Yvette Clarke YESNew York Democrat
William Lacy Clay YESMissouri Democrat
Emmanuel Cleaver YESMissouri Democrat
James Clyburn YESSouth Carolina Democrat
Steve Cohen YESTennessee Democrat
Gerry Connolly YESVirginia Democrat
John Conyers YESMichigan Democrat
Jim Cooper YESTennessee Democrat
Jim Costa YESCalifornia Democrat
Jerry Costello YESIllinois Democrat
Joe Courtney YESConnecticut Democrat
Joseph Crowley YESNew York Democrat
Henry Cuellar YESTexas Democrat
Elijah Cummings YESMaryland Democrat
Kathy Dahlkemper NOPennsylvania Democrat (until 2010)
Danny Davis YESIllinois Democrat
Lincoln Davis NOTennessee Democrat (until 2010)
Susan Davis YESCalifornia Democrat
Peter Defazio YESOregon Democrat
Diana DeGette YESColorado Democrat
Bill Delahunt YESMassachusetts Democrat (until 2010)
Rosa DeLauro YESConnecticut Democrat
Norm Dicks YESWashington Democrat
John Dingell YESMichigan Democrat
Lloyd Doggett YESTexas Democrat
Joe Donnelly YESIndiana Democrat (Senate run 2012)
Mike Doyle YESPennsylvania Democrat
Steven Driehaus YESOhio Democrat (until 2010)
Chet Edwards NOTexas Democrat (until 2010)
Donna Edwards YESMaryland Democrat
Keith Ellison YESMinnesota Democrat
Brad Ellsworth NOIndiana Democrat (until 2010)
Eliot Engel YESNew York Democrat/Liberal
Anna Eshoo YESCalifornia Democrat
Bob Etheridge YESNorth Carolina Democrat (Unseated 2010)
Sam Farr YESCalifornia Democrat
Chaka Fattah YESPennsylvania Democrat
Bob Filner YESCalifornia Democrat (Mayoral run 2011)
Bill Foster YESIllinois Democrat (until 2010)
Barney Frank YESMassachusetts Democrat
Marcia Fudge YESOhio Democrat
Gabby Giffords YESArizona Democrat
Charles Gonzalez YESTexas Democrat
Bart Gordon NOTennessee Democrat (until 2010)
Al Green YESTexas Democrat
Gene Green YESTexas Democrat
Raul Grijalva YESArizona Democrat
Luis Gutierrez YESIllinois Democrat
John Hall YESNew York Democrat (until 2010)
Ralph Moody Hall NOTexas Democrat
Debbie Halvorson YESIllinois Democrat (until 2010)
Phil Hare YESIllinois Democrat (until 2010)
Jane Harman YESCalifornia Democrat (Resigned 2011)
Alcee Hastings YESFlorida Democrat
Martin Heinrich YESNew Mexico Democrat (Senate run 2012)
Stephanie Herseth YESSouth Dakota Democratic (until 2010)
Brian Higgins YESNew York Democrat
Baron Hill NOIndiana Democrat (until 2010)
Jim Himes YESConnecticut Democrat
Maurice Hinchey YESNew York Dem./Ind./Lib./Working-Fam.
Ruben Hinojosa YESTexas Democrat
Mazie Hirono YESHawaii Democrat (Senate run 2012)
Paul Hodes YESNew Hampshire Democrat (until 2010)
Tim Holden NOPennsylvania Democrat
Rush Holt YESNew Jersey Democrat
Mike Honda YESCalifornia Democrat
Steny Hoyer YESMaryland Democrat
Jay Inslee YESWashington Democrat
Steve Israel YESNew York Democrat
Jesse Louis Jackson YESIllinois Democrat
Sheila Jackson Lee YESTexas Democrat
Eddie Bernice Johnson YESTexas Democrat
Hank Johnson YESGeorgia Democrat
Steve Kagen YESWisconsin Democrat (until 2010)
Paul Kanjorski YESPennsylvania Democrat (until 2010)
Marcy Kaptur YESOhio Democrat
Patrick Kennedy YESRhode Island Democrat (until 2010)
Dale Kildee YESMichigan Democrat
Carolyn Kilpatrick YESMichigan Democrat (until 2010)
Mary Jo Kilroy YESOhio Democrat (until 2010)
Ron Kind NOWisconsin Democrat
Larry Kissell NONorth Carolina Democrat
Frank Kratovil NOMaryland Democrat (until 2010)
Dennis Kucinich YESOhio Democrat
James Langevin YESRhode Island Democrat
Rick Larsen YESWashington Democrat
John Larson YESConnecticut Democrat
Barbara Lee YESCalifornia Democrat
Sander Levin YESMichigan Democrat
John Lewis YESGeorgia Democrat
Dan Lipinski YESIllinois Democrat
David Loebsack YESIowa Democrat
Zoe Lofgren YESCalifornia Democrat
Nita Lowey YESNew York Democrat
Ben Ray Lujan YESNew Mexico Democrat
Cynthia Lummis NOWyoming Democrat
Steve Lynch YESMassachusetts Democrat
Dan Maffei YESNew York Democrat (Unseated 2010)
Carolyn Maloney YESNew York Democrat/Liberal
Ed Markey YESMassachusetts Democrat
Eric Massa NONew York Democrat (until 2010)
Jim Matheson NOUtah Democrat
Doris Matsui YESCalifornia Democrat
Carolyn McCarthy YESNew York Dem./Ind./Working-Families
Betty McCollum YESMinnesota Democrat
Jim McDermott YESWashington Democrat
Jim McGovern YESMassachusetts Democrat
Mike McIntyre YESNorth Carolina Democrat
Mike McMahon YESNew York Democrat (until 2010)
Jerry McNerney YESCalifornia Democrat
Gregory Meeks YESNew York Dem./Working-Families
Michael Michaud YESMaine Democrat
Brad Miller YESNorth Carolina Democrat
George Miller YESCalifornia Democrat
Alan Mollohan YESWest Virginia Democrat
Dennis Moore YESKansas Democrat (until 2010)
Gwen Moore YESWisconsin Democrat
James Moran YESVirginia Democrat
Chris Murphy YESConnecticut Democrat (Senate run 2012)
Patrick Murphy YESPennsylvania Democrat (until 2010)
John Murtha YESPennsylvania Democrat (Deceased Feb. 2010)
Jerrold Nadler YESNew York Dem./Lib./Working-Families
Grace Napolitano YESCalifornia Democrat
Richard Neal YESMassachusetts Democrat
Glenn Nye YESVirginia Democrat (until 2010)
James Oberstar YESMinnesota Dem./Farmer/Labor (until 2010)
David Obey YESWisconsin Democrat (until 2010)
John Olver YESMassachusetts Democrat
Solomon Ortiz YESTexas Democrat (Unseated 2010)
Frank Pallone YESNew Jersey Democrat
Bill Pascrell YESNew Jersey Democrat
Ed Pastor YESArizona Democrat
Donald Payne YESNew Jersey Democrat
Nancy Pelosi YESCalifornia Democrat
Ed Perlmutter YESColorado Democrat
Gary Peters YESMichigan Democrat
Collin Peterson YESMinnesota Democrat/Farmer/Labor
Chellie Pingree YESMaine Democrat
Jared Polis YESColorado Democrat
Earl Pomeroy YESNorth Dakota Democrat (until 2010)
David Eugene Price YESNorth Carolina Democrat
Nick Rahall YESWest Virginia Democrat
Charles Rangel YESNew York Dem./Lib./Working-Families
Silvestre Reyes YESTexas Democrat
Laura Richardson YESCalifornia Democrat
Ciro Rodriguez YESTexas Democrat (until 2010)
Mike Ross YESArkansas Democrat
Steven Rothman YESNew Jersey Democrat
Lucille Roybal-Allard YESCalifornia Democrat
Dutch Ruppersberger YESMaryland Democrat
Bobby Rush YESIllinois Democrat
Tim Ryan YESOhio Democrat
John Salazar YESColorado Democrat (Unseated 2010)
Linda Sanchez YESCalifornia Democrat
Loretta Sanchez YESCalifornia Democrat
John Sarbanes YESMaryland Democrat
Jan Schakowsky YESIllinois Democrat
Mark Schauer YESMichigan Democrat (until 2010)
Adam Schiff YESCalifornia Democrat
Kurt Schrader YESOregon Democrat
Allyson Schwartz YESPennsylvania Democrat
Bobby Scott YESVirginia Democrat
David Scott YESGeorgia Democrat
Jose Serrano YESNew York Democrat/Liberal
Joe Sestak YESPennsylvania Democrat (until 2010)
Carol Shea-Porter YESNew Hampshire Democrat (until 2010)
Brad Sherman YESCalifornia Democrat
Heath Shuler YESNorth Carolina Democrat
Albio Sires YESNew Jersey Democrat
Ike Skelton YESMissouri Democrat (until 2010)
Louise Slaughter YESNew York Democrat
David Adam Smith YESWashington Democrat
Zack Space YESOhio Democrat (until 2010)
Jackie Speier YESCalifornia Democrat
John Spratt YESSouth Carolina Democrat (until 2010)
Bart Stupak NOMichigan Democrat (until 2010)
Betty Sutton YESOhio Democrat
John Tanner YESTennessee Democrat (until 2010)
Gene Taylor NOMississippi Democrat (until 2010)
Harry Teague NONew Mexico Democrat (until 2010)
Bennie Thompson YESMississippi Democrat
Mike Thompson YESCalifornia Democrat
John Tierney YESMassachusetts Democrat
Dina Titus YESNevada Democrat (until 2010)
Paul Tonko YESNew York Democrat
Ed Towns YESNew York Democrat/Liberal
Niki Tsongas YESMassachusetts Democrat
Chris Van Hollen YESMaryland Democrat
Nydia Velazquez YESNew York Democrat/Working-Families
Peter Visclosky YESIndiana Democrat
Tim Walz YESMinnesota Democrat
Debbie Wasserman Schultz YESFlorida Democrat
Maxine Waters YESCalifornia Democrat
Mel Watt YESNorth Carolina Democrat
Henry Waxman YESCalifornia Democrat
Anthony Weiner YESNew York Democrat (Resigned 2011)
Peter Welch YESVermont Democrat
Robert Wexler YESFlorida Democrat (resigned Jan. 2010)
Charlie Wilson YESOhio Democrat (until 2010)
Lynn Woolsey YESCalifornia Democrat (Retiring 2012)
David Wu YESOregon Democrat
John Yarmuth YESKentucky Democrat



Republicans voting on 2009-H104

Robert Aderholt NOAlabama Republican
Todd Akin NOMissouri Republican (Senate run 2012)
Rodney Alexander NOLouisiana Republican
Steve Austria NOOhio Republican
Michele Bachmann NOMinnesota Republican
Spencer Bachus NOAlabama Republican
Gresham Barrett NOSouth Carolina Republican (until 2010)
Roscoe Bartlett NOMaryland Republican
Joe Linus Barton NOTexas Republican
Judy Biggert NOIllinois Republican
Brian Bilbray NOCalifornia Republican
Gus Bilirakis NOFlorida Republican
Rob Bishop NOUtah Republican
Marsha Blackburn NOTennessee Republican
Roy Blunt NOMissouri Republican (until 2010)
John Boehner NOOhio Republican
Jo Bonner NOAlabama Republican
Mary Bono NOCalifornia Republican
Charles Boustany NOLouisiana Republican
Kevin Brady NOTexas Republican
Paul Broun NOGeorgia Republican
Henry Brown NOSouth Carolina Republican (until 2010)
Vern Buchanan NOFlorida Republican
Michael Burgess NOTexas Republican
Dan Burton NOIndiana Republican
Steve Buyer NOIndiana Republican (until 2010)
Ken Calvert NOCalifornia Republican
Dave Camp NOMichigan Republican
John Campbell NOCalifornia Republican
Eric Cantor NOVirginia Republican
Shelley Moore Capito NOWest Virginia Republican
John Carter NOTexas Republican
Bill Cassidy NOLouisiana Republican
Jason Chaffetz NOUtah Republican (Senate run 2012)
John Howard Coble NONorth Carolina Republican
Tom Cole NOOklahoma Republican
Mike Conaway NOTexas Republican
Ander Crenshaw NOFlorida Republican
John Culberson NOTexas Republican
Geoff Davis NOKentucky Republican
Nathan Deal NOGeorgia Republican (Resigned 2010)
Charles Dent NOPennsylvania Republican
Mario Diaz-Balart YESFlorida Republican
David Dreier NOCalifornia Republican
Jimmy Duncan NOTennessee Republican
Jo Ann Emerson NOMissouri Republican
Mary Fallin NOOklahoma Republican (until 2010)
Jeff Flake NOArizona Republican (Senate run 2012)
John Fleming NOLouisiana Republican
Randy Forbes NOVirginia Republican
Jeff Fortenberry NONebraska Republican
Virginia Foxx NONorth Carolina Republican
Trent Franks NOArizona Republican
Rodney Frelinghuysen NONew Jersey Republican
Elton Gallegly NOCalifornia Republican
Scott Garrett NONew Jersey Republican
Jim Gerlach NOPennsylvania Republican
Phil Gingrey NOGeorgia Republican
Louie Gohmert NOTexas Republican
Bob Goodlatte NOVirginia Republican
Kay Granger NOTexas Republican
Samuel Graves NOMissouri Republican
Brett Guthrie NOKentucky Republican
Gregg Harper NOMississippi Republican
Doc Hastings NOWashington Republican
Dean Heller NONevada Republican (Resigned 2011)
Jeb Hensarling NOTexas Republican
Wally Herger NOCalifornia Republican
Peter Hoekstra NOMichigan Republican (until 2010)
Duncan Hunter Jr. NOCalifornia Republican
Bob Inglis NOSouth Carolina Republican (until 2010)
Darrell Issa NOCalifornia Republican
Lynn Jenkins NOKansas Republican
Sam Johnson NOTexas Republican
Timothy Johnson NOIllinois Republican
Walter Beaman Jones YESNorth Carolina Republican
Jim Jordan NOOhio Republican
Peter King NONew York Rep./Ind./Cons./Right-To-Life
Steve King NOIowa Republican
Jack Kingston NOGeorgia Republican
Mark Kirk NOIllinois Republican (until 2010)
John Kline NOMinnesota Republican
Doug Lamborn NOColorado Republican
Leonard Lance NONew Jersey Republican
Tom Latham NOIowa Republican
Steven LaTourette NOOhio Republican
Bob Latta NOOhio Republican
Chris Lee NONew York Republican (Resigned 2011)
Jerry Lewis NOCalifornia Republican
Frank LoBiondo NONew Jersey Republican
Frank Dean Lucas NOOklahoma Republican
Blaine Luetkemeyer NOMissouri Republican
Dan Lungren NOCalifornia Republican
Connie Mack IV NOFlorida Republican
Donald Manzullo NOIllinois Republican
Kenny Marchant NOTexas Republican
Kevin McCarthy NOCalifornia Republican
Michael McCaul NOTexas Republican
Tom McClintock NOCalifornia Republican
Thad McCotter NOMichigan Republican
Patrick McHenry NONorth Carolina Republican
John McHugh YESNew York Republican/Conservative
Buck McKeon NOCalifornia Republican
Cathy McMorris-Rodgers NOWashington Republican
John Mica NOFlorida Republican
Candice Miller NOMichigan Republican
Jeff Miller NOFlorida Republican
Jerry Moran NOKansas Republican (until 2010)
Tim Murphy NOPennsylvania Republican
Sue Myrick NONorth Carolina Republican
Randy Neugebauer NOTexas Republican
Devin Nunes NOCalifornia Republican
Pete Olson NOTexas Republican
Ron Paul NOTexas Republican
Erik Paulsen NOMinnesota Republican
Mike Pence NOIndiana Republican (Gov. run 2012)
Tom Petri NOWisconsin Republican
Joseph Pitts NOPennsylvania Republican
Todd Platts NOPennsylvania Republican
Ted Poe NOTexas Republican
Bill Posey NOFlorida Republican
Tom Price NOGeorgia Republican
Dennis Rehberg NOMontana Republican (Senate run 2012)
Dave Reichert NOWashington Republican (Governor run 2012)
Phil Roe NOTennessee Republican
Hal Rogers NOKentucky Republican
Michael Rogers NOAlabama Republican
Mike Rogers NOMichigan Republican
Dana Rohrabacher NOCalifornia Republican
Tom Rooney NOFlorida Republican
Ileana Ros-Lehtinen YESFlorida Republican
Peter Roskam NOIllinois Republican
Ed Royce NOCalifornia Republican
Paul Ryan NOWisconsin Republican
Steve Scalise NOLouisiana Republican
Jean Schmidt NOOhio Republican
Aaron Schock NOIllinois Republican
James Sensenbrenner NOWisconsin Republican
Pete Sessions NOTexas Republican
John Shadegg NOArizona Republican
John Shimkus NOIllinois Republican
Bill Shuster NOPennsylvania Republican
Mike Simpson NOIdaho Republican
Adrian Smith NONebraska Republican
Christopher Smith NONew Jersey Republican
Lamar Smith NOTexas Republican
Mark Souder NOIndiana Republican (until 2010)
Cliff Stearns NOFlorida Republican
John Sullivan NOOklahoma Republican
Lee Terry NONebraska Republican
Glenn Thompson NOPennsylvania Republican
Mac Thornberry NOTexas Republican
Todd Tiahrt NOKansas Republican (until 2010)
Pat Tiberi NOOhio Republican
Mike Turner YESOhio Republican
Fred Upton NOMichigan Republican
Greg Walden NOOregon Republican
Zach Wamp NOTennessee Republican (until 2010)
Lynn Westmoreland NOGeorgia Republican
Ed Whitfield NOKentucky Republican
Joe Wilson NOSouth Carolina Republican
Robert Wittman NOVirginia Republican
Frank Wolf NOVirginia Republican
Bill Young NOFlorida Republican
Don Young NOAlaska Republican



Independents voting on 2009-H104

Marion Berry NOArkansas Former Democrat (until 2010)
John Boozman NOArkansas Former GOP (until 2010)
Allen Boyd YESFlorida Former Democrat (until 2010)
Ginny Brown-Waite NOFlorida Former GOP (until 2010)
Michael Castle YESDelaware Former GOP (until 2010)
Artur Davis YESAlabama Former Democrat (until 2010)
Lincoln Diaz-Balart YESFlorida Former GOP (until 2010)
Alan Grayson YESFlorida Former Democrat (until 2010)
Parker Griffith NOAlabama Former GOP (until 2010)
Ann Kirkpatrick YESArizona Former Democrat (until 2010)
Ron Klein YESFlorida Former Democrat (until 2010)
Suzanne Kosmas YESFlorida Former Democrat (until 2010)
John Linder NOGeorgia Former GOP (until 2010)
Betsy Markey NOColorado Former Democrat (until 2010)
Jim Marshall YESGeorgia Former Democrat (until 2010)
Kendrick Meek YESFlorida Former Democrat (until 2010)
Walt Minnick YESIdaho Former Democrat (until 2010)
Harry Mitchell YESArizona Former Democrat (until 2010)
Adam Putnam NOFlorida Former GOP (until 2010)
George Radanovich NOCalifornia Former GOP (until 2010)
Vic Snyder YESArkansas Former Democrat (until 2010)
Ellen Tauscher YESCalifornia Former Democrat (until 2009)
Diane Watson YESCalifornia Former Democrat (until 2010)



Total votes recorded by OnTheIssues:

Democrats: YES 214; NO 23
Republicans: YES 5; NO 160
Independents: YES 15; NO 8