On Monday, June 9, 2014, The House of Representatives passed H.R. 3211, "The Mortgage Choice Act" which addresses discrimination in the calculation of fees and points under the Ability to Repay/Qualified Mortgage (QM) rule. This NAR-backed bi-partisan legislation introduced by Representatives Bill Huizenga (R-MI-2) and Gregory W. Meeks (D-NY-5) and co-sponsored by Edward R. Royce (R-CA-39), David Scott (D-GA-13), Rep. Steve Stivers (R-OH-15), Gary C. Peters (D-MI-14), Spencer Bachus (R-AL-6), Betty McCollum (D-MN-4) Patrick Murphy (D-FL-18), Michael F. Doyle (D-PA-14)is narrowly focused to provide equal treatment for affiliated title fees compared to unaffiliated title fees and clarify the treatment of insurance and taxes held in escrow. The bill now heads to the Senate. A Senate counterpart, S. 1577, sponsored by Senators Manchin (D-WV) and Johanns (R-NE) awaits action there as well. NAR will continue to press for passage in the Senate and enactment to ensure that consumers have the full range of choices in settlement service providers and other services related to real estate.