Helping Families Save Their Homes Act of 2009

Helping Families Save Their Homes Act of 2009
Other short titles	Homeless Emergency Assistance and Rapid Transition to Housing (HEARTH) Act of 2009 (as Division B)
Long title	An Act To prevent mortgage foreclosures and enhance mortgage credit availability.
Enacted by	the 111th United States Congress United States Congress
Effective	May 20, 2009 (upon signing)
Citations
Public law	Pub. L. 111–22
Statutes at Large	123 Stat. 1632
Legislative history
	Introduced in the House of Representatives as H.R. 1106 (original version), S. 896 (final version) by John Conyers (H.R. 1106), Christopher J. Dodd (S. 896) on February 23, 2009 (H.R. 1106); April 27, 2009 (S. 896); Committee consideration by House Financial Services Committee, House Judiciary Committee, House Veterans' Affairs Committee (for H.R. 1106); Senate Committee on Banking, Housing and Urban Affairs (for S. 896); Passed the House on March 5, 2009 (H.R. 1106) (234–191 (H.R. 1106)); Passed the Senate on May 6, 2009 (S. 896) (91–5 (S. 896)) with amendment; Agreed to by the House on May 19, 2009 (amended S. 896) (367–54, 1 Present (amended S. 896)) ; Senate agreed to Senate amendment on May 19, 2009 (House amendment to S. 896) (Unanimous Consent (House amendment to S. 896)); Signed into law by President Barack Obama on May 20, 2009;

The Helping Families Save Their Homes Act of 2009 (Pub. L. 111–22 (text) (PDF)) is an enacted public law in the United States. On May 20, 2009, the Senate bill was signed into law by President Barack Obama. The stated purpose of the act, a product of the 111th United States Congress, was to allow bankruptcy judges to modify mortgages on primary residences, among other purposes; however, that provision was dropped in the Senate and is not included in the version that was eventually signed into law. In addition, the bill amends the Hope for Homeowners Program as well as provide additional provisions to help borrowers avoid foreclosure.

On May 20, 2009, President Obama signed the Homeless Emergency Assistance and Rapid Transition to Housing (HEARTH) Act into law (Pub. L. 111–22 (text) (PDF)), reauthorizing HUD's Homeless Assistance programs. It was included as part of the Helping Families Save Their Homes Act of 2009. The HEARTH Act allows for the prevention of homelessness, rapid re-housing, consolidation of housing programs, and new homeless categories. In the eighteen months after the bill's signing, HUD must make regulations implementing this new McKinney program.

In late 2009, some homeless advocacy organizations, such as the National Coalition for the Homeless, reported and published perceived problems with the HEARTH Act of 2009 as a HUD McKinney-Vento Reauthorization bill, especially with regard to privacy, definitional ineligibility, community roles, and restrictions on eligible activities.