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1 HARP Refinance Rates & 2022 Guidelines
https://mymortgageinsider.com/harp-refinance/
HARP 2.0 (Home Affordable Refinance Program) helps you reduce your rate and payment even if you are underwater on your mortgage.
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2 HARP Replacement Programs: Know Your Options - TIME
https://time.com/nextadvisor/mortgages/refinance/harp-replacement-programs/
When HARP was discontinued in 2018, two programs replaced it: Fannie Mae's high loan-to-value refinance option and Freddie Mac's enhanced relief ...
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3 Understanding HARP & Other Loan Assistance Options
https://www.moneygeek.com/mortgage/refinance/harp/
If you refinanced under HARP through Fannie Mae from March to May 2009, you may be eligible to refinance again. Dec. 31, 2018, is the deadline ...
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4 HARP Replacement Programs - LendingTree
https://www.lendingtree.com/home/refinance/harp-replacement-program/
Although HARP ended in 2018, HARP replacement programs have been created to help homeowners who owe more than their home is worth refinance ...
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5 Refinancing With The HARP Mortgage Replacement Programs
https://www.bankrate.com/mortgages/harp-replacement-programs/
Fannie Mae's High LTV Refinance Option; Freddie Mac's Enhanced Relief Refinance. Both allow you to refinance if you owe more than 97 percent of ...
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6 HARP 2.0 Mortgage Refinance Loan Program Tips - Bills
https://www.bills.com/mortgages/harp-mortgage
HARP Mortgage Program Refinance | Home Affordable Refinance Program (HARP) was just updated to avail low interest rates to more Americans seeking mortgage ...
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7 HARP Loan Program: How Did It Work? - Investopedia
https://www.investopedia.com/articles/personal-finance/112415/harp-loan-program-how-does-it-work.asp
HARP was a government program designed to help underwater homeowners refinance mortgages at more attractive interest rates. · The program started on April 1, ...
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8 HARP Loans | Government Refinance Program
https://www.americanfinancing.net/refinance/harp
Owe more than your home is worth? There's a HARP replacement program in place that can help underwater homeowners refinance to a lower interest rate.
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9 Relief RefinanceSM/Home Affordable Refinance Program ...
https://www.fdic.gov/resources/bankers/affordable-mortgage-lending-center/guide/part-1-docs/freddie-home-affordable-refinance-program.pdf
rowers with little or no equity in their homes refinance into more affordable mortgages. HARP is for borrow- ers whose loans are owned by Freddie Mac or ...
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10 Qualify Today for a HARP 2.0 Loan - Mortgage Calculator
https://www.mortgagecalculator.org/mortgage-rates/harp-program.php
HARP is a total refinance program, which will help to lower interest rates and give a more affordable mortgage payments. The eligibility criteria are listed ...
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11 Home Affordable Refinance Program (HARP)
https://landmarkmortgagecapital.com/refinance/harp/
Borrowers with limited equity may still be able to refinance their homes through the Home Affordable Refinance Program, or HARP. For more info call us at ...
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12 Want to Refinance Your Mortgage But You're Being Turned ...
https://www.houselogic.com/finances-taxes/financing/harp-refinancing/
This must be your first HARP refinance. You only get one Home Affordable refinance, so if you've used the program before, you can't use it again (although ...
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13 An In-Depth Guide to HARP 2.0 - MortgageLoan.com
https://www.mortgageloan.com/depth-guide-harp-20-9044
Previously, there was a 125 percent loan-to-value limit on mortgages refinanced through HARP - that is, the balance owed on your mortgage could be no more ...
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14 What Is a HARP Loan? - Experian
https://www.experian.com/blogs/ask-experian/what-is-a-harp-loan/
The Home Affordability Refinance Program, better known as HARP, ... Refinancing under HARP provided borrowers one or more of the following ...
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15 HARP Loan Program Eligibility | Mortgage News Channel
https://mortgagenewschannel.com/harp-loan/
HARP Loans are refinance loans that still require a loan application and underwriting process, and some refinance fees will apply. A HARP LOAN is much more ...
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16 HARP 2.0 Details and Guidelines - WalletHub
https://wallethub.com/edu/hl/harp/281
HARP 2.0 is a mortgage refinance program designed to help homeowners whose properties have become underwater, meaning those who owe more on ...
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17 What is HARP and do I qualify for a HARP loan? - HSH.com
https://www.hsh.com/finance/refinance/what-is-harp-do-i-qualify-for-a-harp-loan.html
The HARP loan helps underwater homeowners refinance their mortgages. ... 2017, the FHFA announced that the HARP program would be extended again, and will ...
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18 Home Affordable Refinance Program - Wikipedia
https://en.wikipedia.org/wiki/Home_Affordable_Refinance_Program
The Home Affordable Refinance Program (HARP) is a federal program of the United States, set up by the Federal Housing Finance Agency in March 2009, ...
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19 HARP Refinance for Second Home or Investment Property
https://grandviewlending.com/refinance-second-homes-or-investment-properties-with-harp/
To see if you qualify for a HARP refinance, contact Grandview Lending. ... I know if and when I ever need to use a lender again, Grandview Lending will be ...
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20 30 Year Fixed HARP Loan - Total Mortgage
https://www.totalmortgage.com/mortgage-loans/harp-30-year
30 Year Fixed HARP refinance loans are perfect for homeowners whose homes have ... millions of homeowners were stuck owing more than their homes were worth.
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21 Get Started Here - Federal Housing Finance Agency
https://www.fhfa.gov/search?k=harp+extension
</p><p>&quot;More than 2 million homeowners have refinanced through HARP, proving it a useful tool for reducing risk,&quot; said FHFA Acting Director Edward ...
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22 Home Affordable Refinance Program (HARP) - Home.Loans
https://www.home.loans/harp-refinance
The Home Affordable Refinance Program, or HARP, is a better mortgage refinance option for borrowers in areas affected by declining property values.
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23 How HARP saved borrowers billions and improved the ...
https://www.urban.org/urban-wire/how-harp-saved-borrowers-billions-and-improved-housing-finance-system
Before 2009, borrowers were unable to refinance if they had little or ... helps to look more closely at how policymakers finally fixed HARP.
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24 HARP (Home Affordable Refinance Program)
https://www.houzzlefinancial.com/more-loans/harp-home-affordable-refinance-program/
The Home Affordable Refinance Program (HARP) is a federal program of the United States, set up by the Federal Housing Finance Agency in March 2009, ...
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25 HARP Extended Again, This Time As A 'Bridge' To A New ...
https://mortgageorb.com/harp-extended-again-this-time-as-a-bridge-to-a-new-program
Borrowers with existing HARP loans are not eligible for the new offering unless they have refinanced out of HARP using one of Fannie Mae or ...
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26 HARP Ending... Again... For Good? - Stamford Advocate
https://www.stamfordadvocate.com/business/moneytips/article/HARP-Ending-Again-For-Good-13353602.php
Since 2009, the Home Affordable Refinance Program (HARP) has helped qualified homeowners with limited equity in their homes find affordable ...
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27 HARP 2.0 and What it Means for Homeowners Who are ...
https://www.choicemortgage.com/harp-2-0-and-what-it-means-for-homeowners-who-are-underwater/
As a revamped version of the Home Affordable Refinance Program, HARP 2.0 offers ... some homeowners ran into the issue of lenders refusing to refinance more ...
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28 Permanent HARP Refinance Replacements Have Been ...
https://www.thetruthaboutmortgage.com/permanent-harp-refinance-replacements-have-been-unveiled/
That being said, let's learn more about HARP's permanent replacements, which will now go live on November 1st, 2018. Fannie Mae's High Loan-to- ...
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29 Underwater? HARP might help - GoErie.com
https://www.goerie.com/story/business/2017/08/25/underwater-harp-might-help/19169732007/
HARP, or the Home Affordable Refinance Program, is a great way to ... More than 3.4 million homeowners have refinanced their mortgages ...
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30 Do I Qualify for a HARP Mortgage? - SmartAsset.com
https://smartasset.com/refinance/harp-mortgage-qualifications
A HARP refinance allows qualified homeowners to refinance even if they owe more than their house is worth. Usually, lenders won't refinance underwater mortgages ...
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31 Homeowners get more time for HARP refinancing
https://www.freep.com/story/money/personal-finance/susan-tompor/2016/08/25/harp-extension-underwater-mortgages/89333978/
The federal housing agency announced a new refinance offering for homeowners who owe more than their home is worth.
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32 HARP Refinance - Lion Mortgage
http://www.lionmtg.com/harp/
It's possible that your mortgage is backed by any of these banks, but the more likely answer is that each bank is just your mortgage servicer; the bank that ...
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33 U.S. Will Extend HARP Home Loan Program Into Next Year
https://www.nytimes.com/2016/09/01/your-money/us-will-extend-harp-home-loan-program-into-next-year.html
Seven years after the federal government first offered an option to help some homeowners refinance into more affordable mortgages, ...
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34 HARP Loans - FT Financial, Inc
https://www.ftfinancialinc.com/loan-programs/help-for-homeowners-harp
Do any of these sound like you? · The value of my property has fallen. · I owe more than my home is worth. · I have been turned down for a refinance loan in the ...
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35 HARP extended into 2017; FHFA plans new refinance program
https://www.housingwire.com/articles/37868-harp-extended-into-2017-fhfa-plans-new-refinance-program/
It's not over. Homeowners are yet again getting another chance from the Federal Housing Finance Agency to take advantage of the Home ...
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36 HARP Extension Opens Door for 2 Million More Refinancings
https://blog.embracehomeloans.com/harp-extension-opens-door-for-2-million-more-refinancings/
Lenders refinanced over 1 million borrowers with high LTV loans via the HARP program in 2012 and they could do the same in 2013 and 2014.
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37 HARP Extended… Again - Connecticut Post
https://www.ctpost.com/business/moneytips/article/HARP-Extended-Again-12193651.php
The Home Affordable Refinance Program (HARP) was established in 2009 as a way to help struggling homeowners refinance in the aftermath of ...
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38 Home Affordable Refinance Program | Mortgage Mondays #56
https://www.youtube.com/watch?v=USJenmeZzRc
What is harp government program?
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39 How Do Mortgage Refinances Affect Debt, Default, and ...
https://www.aeaweb.org/articles?id=10.1257/mac.20180116
Evidence from HARP by Joshua Abel and Andreas Fuster. ... grow these debts more strongly after refinancing but also pay down credit card balances by more.
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40 Upside Down?HARP Obama Refinance-Ultimate Guide + ...
https://www.mortgageblog.com/upside-down-harp-obama-refinance-guidelines-ratequote/
First established in 2009, HARP (Home Affordable Refinance Program) was ... owing more on their mortgages than what their homes were worth.
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41 If You're Struggling With Mortgage Payments, HARP Might Help
https://www.rismedia.com/2017/09/05/if-youre-struggling-mortgage-payments-harp-might-help/
More than 3.4 million homeowners have refinanced their mortgages through HARP since then. By refinancing your home through HARP, you may be ...
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42 Home Affordable Refinance Program (HARP)
https://go-summit.com/home-affordable-refinance-program/
apply nowlearn more. The Home Affordable Refinance Program (HARP) was created by the Federal Housing Finance Agency (FHFA) to help homeowners who are ...
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43 HARP Relief Refinance - Utah Mortgage Resource
https://www.utahmortgageresource.com/what-is-harp-refinance/
The Home Affordable Refinance Program (HARP) is a government-sponsored program, designed to help refinance conventional loans only. HARP was started in ...
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44 The Pros And Cons Of HARP Refinance - Globe Life
https://www.globelifeinsurance.com/article/pros-and-cons-of-harp-refinance
The HARP mortgage program allows homeowners to refinance into low mortgage interest rates even if the property has decreased in value or is ...
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45 What Is HARP and Is It Right for You? - Ramsey Solutions
https://www.ramseysolutions.com/real-estate/harp-program
It's a story we've heard time and again since the housing market ... The Home Affordable Refinance Program, or HARP, is one of the few ...
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46 Refinancing (HARP) | Prime Home Loans
https://primehl.com/refinancing-harp/
The Home Affordable Refinance Program (HARP) is a federal program of the ... the rule was changed yet again, creating what is referred to as "HARP 2.0"; ...
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47 We do Mortgages in Florida Harp Loan Rates, FL
https://moreirateam.com/florida/harp-loan-in-florida-fl/
You are eligible to refinance if you owe more on your mortgage than what your home is worth, i.e. your mortgage debt is bigger than the value of your house.
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48 Revamped HARP could help homeowners refinance
https://www.dailybreeze.com/2011/10/28/revamped-harp-could-help-homeowners-refinance/amp/
Regulators have made key changes to a mortgage refinance program designed to help borrowers who owe more on their loans than their house is ...
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49 HARP extended through the end of 2018
https://www.mpamag.com/us/news/general/harp-extended-through-the-end-of-2018/76416
“More than 143,000 homeowners could still benefit from refinancing through HARP,” the FHFA said. The FHFA's new refinance program, Enhanced ...
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50 Mortgage Refinances Via HARP - Yahoo Finance
https://finance.yahoo.com/news/mortgage-refinances-via-harp-225000746.html
Saddled with a mortgage for more than his home was worth, Eric Waugh was resigned to paying a 6% rate on a 30-year refinancing he did in ...
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51 HARP Ending... Again... For Good? - Chron
https://www.chron.com/business/moneytips/article/HARP-Ending-Again-For-Good-13353602.php
Since 2009, the Home Affordable Refinance Program (HARP) has helped qualified homeowners with limited equity in their homes find affordable ...
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52 HARP extended, new program announced for underwater ...
https://www.tennessean.com/story/money/nation-now/2016/08/25/homeowners-harp-refinance-loan-mortgage/89338946/
Anne Bussell was able to take advantage of a federal refinancing program on her Warren home. Homeowners who owe more than their homes are worth ...
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53 Real Estate Matters | Rejected for HARP refi? Try again.
https://www.washingtonpost.com/news/where-we-live/wp/2014/05/07/real-estate-matters-rejected-for-harp-refi-try-again/
The federal government has recently eased rules for the HARP refinancing process, and it's possible that if you haven't tried to refinance ...
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54 How Will the Federal Home Affordable Refinance Program ...
https://abcnews.go.com/Business/harp-home-affordable-refinance-program-hype/story?id=15972744
The expanded Home Affordable Refinance Program (HARP 2) is designed to make it easier for homeowners who owe much more than their homes are ...
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55 Top 9 HARP Refinance Myths for Fannie Mae and Freddie ...
https://riverbankfinance.com/blog/top-9-harp-refinance-myths-for-fannie-mae-and-freddie-mac-home-loans/
HARP Myth 1: I've had my loan for many years, and with HARP I'd have to start all over again with a 30-year mortgage.
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56 Refinance program for underwater borrowers extended two ...
https://www.latimes.com/business/la-xpm-2013-apr-11-la-fi-mo-harp-refinance-program-extended-20130411-story.html
More than 2.2 million borrowers with little or no home equity have refinanced using the 4-year-old HARP, and consumer advocates and lenders ...
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57 HARP Refinance Program for Arizona Homeowners
https://www.azmortgagebrothers.com/harp-refinance-program-arizona
Learn more about benefit changes and the most recent updates that affect you and ... HARP Arizona loans - also referred to as HARP 2 refinance loans - are ...
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58 What is HARP? - Credit.org
https://credit.org/blog/harp/
The Home Affordable Refinance Program (HARP) is now in its 5th year, but many homeowners still have questions about it. · HARP is a program created by the ...
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59 Rejected for HARP refi? Try again - Chicago Tribune
https://www.chicagotribune.com/real-estate/ct-xpm-2014-04-24-sns-201404171900-tms-realestmctnig-a20140424-20140424-story.html
The federal government has recently eased rules for the HARP refinancing process, and it's possible that if you haven't tried to refinance ...
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60 HARP Program | TAM Lending Center, Inc
https://www.tamlending.com/page/harp-program
Program. The Home Affordable Refinance Program (HARP) was created by the Federal Housing Finance Agency in March 2009 to allow those with a loan-to-value ratio ...
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61 Restringing HARP: The Case for More Refinancing Now
https://www.economy.com/mark-zandi/documents/HARP_100710.pdf
More U.S. hom- eowners should be refinancing. Refi roadblocks. One reason they are not doing so is that mortgage lenders are withholding their.
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62 How Do Mortgage Refinances Affect Debt, Default, and ...
https://www.newyorkfed.org/medialibrary/media/research/staff_reports/sr841.pdf
data, to study the effect of a HARP refinance on mortgage default.2 Ehrlich and Perry ... More information about HARP is available at https://www.fhfa.gov/.
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63 Revamped HARP could help owners refinance
https://www.mercurynews.com/2011/10/28/revamped-harp-could-help-owners-refinance/
Regulators have made key changes to a mortgage refinance program designed to help borrowers who owe more on their loans than their house is ...
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64 How Do Mortgage Refinances Affect Debt, Default, and ...
https://scholar.harvard.edu/files/jabel/files/HARP.pdf
our outcomes of interest only start differing once HARP refinance ... More information about HARP is available at https://www.fhfa.gov/.
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65 What Is HARP? - Realtor.com
https://www.realtor.com/advice/finance/what-is-harp/
If you're considering refinancing, you've probably come across the Home ... HARP has helped more than 3.4 million homeowners refinance who ...
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66 The Hidden Trap in HARP Refinancing - Loans - Credit.com
https://www.credit.com/blog/the-hidden-trap-in-harp-refinancing-63226/
PMI can also make it more difficult to refinance through HARP, and limit your choices of lenders — meaning you could end up paying a higher ...
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67 HARP Home Refinancing Program | White Coat Investor
https://www.whitecoatinvestor.com/refinance-through-h-a-r-p-in-2013/
Many banks have been accused of charging higher rates or more fees for HARP refinances than for non-HARP refinances. What did you expect? Would ...
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68 HARP 2.0 - Making Home Affordable Refinance Program
https://www.jeffersonreversemortgage.com/loan-programs/help-for-homeowners-harp
We can help you refinance your home even if you owe more than it is worth. At Jefferson Mortgage Group, we believe in helping those that need help.
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69 HARP | 1st Choice Mortgage | Boise Meridian Nampa Caldwell
https://www.375loan.com/harp/
CLICK HERE for GREAT Rates on HARP refinance, mortgage calculator, UPSIDE DOWN, ... I refinance last year under the old HARP 1.0, can I refinance again?
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70 Types Of Mortgage Refinance: Top 9 Options
https://www.rocketmortgage.com/learn/types-of-refinance
There are many different refinancing options for homeowners to choose from. Learn more about some of the most popular types of refinances ...
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71 Refinance with HARP, even if you owe more than your home's ...
https://www.marimarkmortgage.com/blog/headlines-news/tried-refinance-harp-program-first-introduced-owed-105-value-home-qualify-today
Even though you have been turned down for HARP refinancing because you owed more than 105% of the value of my home, you may qualify today.
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72 HARP loan program alternatives in 2022 - Finder.com
https://www.finder.com/harp-loan-program-alternatives
Fannie Mae's HARP replacement is the High Loan-to-Value Refinance Option ... (you owe more than what your home is worth) are still eligible.
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73 Mortgage Refinancing, Consumer Spending, and Competition
https://academic.oup.com/restud/advance-article/doi/10.1093/restud/rdac039/6619572
More than three million eligible borrowers with primarily fixed-rate mortgages refinanced under HARP, receiving an average reduction of 1.45% in interest rate ...
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74 Twelve Questions on Obama's Refi Plan
https://www.wsj.com/articles/BL-DVB-20440
The Obama administration is changing a refinancing program so that more underwater borrowers can qualify. · What is HARP? · How is HARP being ...
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75 What You Need to Know About HARP 2.0 Refinancing
https://www.foxbusiness.com/features/what-you-need-to-know-about-harp-2-0-refinancing
If your mortgage is deeply underwater, HARP 2.0 could offer a ... for homeowners who want to refinance but owe more on their mortgages than ...
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76 Harp-Programs-Explained - CDL Data
https://cdldata.com/how-to-harp-programs/
Our HARP Refi Leads gets your message of more affordable loans in front of those motivated mortgagors that are motivated to reduce their payments. Direct ...
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77 FHFA: Three Easy Steps to HARP: How Homeowners Can ...
https://safeguardproperties.com/fhfa-three-easy-steps-to-harp-how-homeowners-can-save-thousands/
Refinancing through HARP is a streamlined process, and more than 3.4 million homeowners have already done it, but there are still more than ...
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78 HARP Refis Decline Slightly Due to Rising Interest Rates
https://themreport.com/news/government/03-16-2017/harp-refis-decline-slightly-due-rising-interest-rates
Total HARP refinance volume in January 2017 declined, according to ... HARP refinances represented four or more percent of total refinances ...
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79 A Historical Look at the HARP Program - New American Funding
https://www.newamericanfunding.com/blog/a-historical-look-at-the-harp-program/
More than 78,000 home loans have been refinanced through the HARP program and the program continues to help underwater homeowners. HARP is ...
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80 HARP refinancing is still available for underwater homeowners
https://www.azcentral.com/story/money/real-estate/catherine-reagor/2014/04/04/harp-refinancing-still-available-underwater-homeowners/7325177/
... still underwater, owing more on their mortgages than their properties are worth. The federal Home Affordable Refinance Program, or HARP, ...
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81 HARP Refi Leads - Brokers Data
https://www.brokersdata.com/HARP-Refi-Leads.html
HARP allows homeowners to refinance their mortgages even when their home mortgage is underwater. HARP allows refis of loans up to 125 percent of the home's ...
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82 2011 Changes To Home Affordable Refinance Program ...
https://www.biblemoneymatters.com/2011-changes-to-home-affordable-refinance-program-harp-coming-soon/
The Obama administration has announced changes to HARP program eligibility rules to allow more borrowers to become eligible to refinance.
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83 GSEs Refinance More than 2M Loans Through HARP
https://dsnews.com/news/loss-mitigation/02-19-2013/gses-refinance-more-than-2m-loans-through-harp-2013-02-19
According to FHFA, nearly 130,000 homeowners refinanced their mortgages through HARP in November alone, making it the second biggest month for ...
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84 HARP Refinance - Loan Consultants
https://www.loanconsultants.org/harp-refinance-loan
Over 3 million homeowners so far have taken advantage of HARP and it is expected that 2022 HARP Refinance 2.0 will assist thousands more as there isn't a ...
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85 One-in-three Fannie, Freddie refis are HARP loans, as high ...
https://www.erate.com/high-loan-to-value-harp-loans-comprise-large-share-refis-bp
... Homeowners shot down in a previous attempt to land a HARP refinance, have more to gain than to lose by trying for a HARP loan again.
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86 Harp - Res Com Mortgage
http://www.rescom.com/custompage-view.aspx?id=13
The Home Affordable Refinance Program (HARP) was created by the Federal ... In December 2011, the rule was changed yet again; there would no longer be any ...
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87 The Expiring Program That Can Refinance Underwater Loans
https://www.thestreet.com/mortgages/harp-for-homeowners-the-expiring-program-that-can-refinance-underwater-loans-13316531
HARP, the Home Affordable Refinance Program, was passed in 2009 by the Federal ... or refinance again down the road if they get a bad rate, ...
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88 HARP Revision april 23 2020
https://www.nber.org/system/files/working_papers/w21512/w21512.pdf
significant increase in refinancing activity by HARP. More than three million eligible borrowers with primarily fixed-rate mortgages refinanced under HARP, ...
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89 HARP | Coastline Mortgage Consultants LLC
http://www.coastline-mortgage.com/loan-options/featured/harp/
The Home Affordable Refinance Program or HARP is a newer program started in ... If you've already refinanced with a HARP you cannot use it again unless it ...
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90 Refinance and Mortgage Default: A Regression Discontinuity ...
https://link.springer.com/article/10.1007/s11146-016-9566-z
If borrowers with a stronger desire to stay in their homes are more likely to apply for the program, the HARP impact will be overstated because ...
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91 An Economic Analysis of Large-Scale Mortgage Refinancing ...
https://fas.org/sgp/crs/misc/R42577.pdf
2 For more on HARP, see CRS Report R40210, Preserving Homeownership: Foreclosure ... HARP is not the only government refinance program.
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92 HARP's Uncharted Waters - Mercatus Center
https://www.mercatus.org/publications/financial-markets/harps-uncharted-waters
Hence, fewer borrowers are able to refinance their mortgages. ... the safeguards from HARP and encourage more refinancing by borrowers.
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93 HARP 2 Refinance - Loan Genius
https://www.myloangenius.com/loan-programs/harp-2-refinance/
HARP 2.0 Refinance. HARP 2.0 is a refinance option for homeowners that are "underwater," meaning they owe more on their home than their home is worth.
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94 Critics demand fewer HARP 2.0 restrictions | firsttuesday Journal
https://journal.firsttuesday.us/critics-demand-fewer-harp-2-0-restrictions/14761/
The revised Home Affordable Refinance Program (HARP 2.0) is taking more shots from its critics – this time from U.S. senators wanting to ...
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95 Finance | HARP Home Affordability Refinance Program
https://typennington.com/the-low-down-on-harp/
In an effort to bring relief to even more homeowners, the administration has put HARP 3.0 in the laps of congress for approval. If the pending legislation ...
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