On Tuesday, Feb. 3, 2015, H.R. 685 "The Mortgage Choice Act" was introduced in the House of Representatives. H.R. 685 is bipartisan legislation introduced by Representatives Bill Huizenga (R-MI), Gregory Meeks (D-NY), Ed Royce (R-CA), David Scott (D-GA), Steve Stivers (R-OH), Mike Doyle (D-PA), David Joyce (R-OH), Betty McCollum (D-MN) and Stephen Fincher (R-TN). It would make two adjustments to the Truth in Lending Act’s (TILA) definition of “points and fees” to ensure greater consumer choice in mortgage and settlement services under the Ability to Repay/Qualified Mortgage (QM) rule. An identical bill passed the House last year on the suspension calendar by voice vote (H.R. 3211). NAR and its industry partners is working to get companion legislation introduced in the Senate and is urging both Houses to move quickly to end discrimination against mortgage companies affiliated with real estate firms.