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What it is

Bill to extend protection for people losing their home to foreclosure

Admitted step 2 of 7 · Unfinished

It is a members’ bill. Introduced by parliamentary groups, the Senate, regional governments or citizens. It was introduced on 12 November 2014. Introduced by: Grupo Parlamentario Socialista.

Official title: Private member's bill to amend Royal Decree-Law 27/2012, of November 15, on urgent measures to strengthen the protection of mortgage debtors.

Follow this law

Source: Congreso de los Diputados, file 122/000174· updated 11 Nov

Automatic summary, not yet reviewed

  1. The bill's explanatory statement says that royal decree-law A rule with the force of law that the Government passes because it is urgent. It applies from its publication, but the Congreso must validate it within 30 days or it lapses. 27/2012 allowed about 1,500 families to suspend the eviction from their main home for two years. Since that period is ending without the situation having improved, the bill proposes extending it.
  2. The bill would prevent the eviction of people in financial hardship from their main home when the lender has taken ownership of it, and would also stop the mortgage foreclosure process while those circumstances last.
  3. The bill would also remove some requirements that the current rule set as conditions to qualify for the eviction suspension: it deletes one section of Article 1 and one item in section 4.
  4. If passed, the law would take effect on the day it is published in the Official State Gazette (Boletín Oficial del Estado).

Who it affects

  • Families facing a mortgage foreclosure on their main home: They could stay in their main home even if the lender has taken ownership, as long as they keep the financial circumstances set out in the rule.
  • Mortgage lenders, usually banks: They could not complete the foreclosure or the eviction if the debtor meets the financial circumstances set by the rule.

Words worth knowing

Lanzamiento
Eviction: the forced removal of the people living in a home when the mortgage is foreclosed.
Ejecución hipotecaria
Mortgage foreclosure: a court or out-of-court process to take the mortgaged home when the loan is not paid.
Real Decreto-ley
Royal Decree-Law: a rule with the force of law that the Government can pass urgently, without the full parliamentary process first.
Proposición de ley
A bill introduced by members of Congress to become a law. It is not an approved law until the legislative process is complete.
royal decree-law
A rule with the force of law that the Government passes because it is urgent. It applies from its publication, but the Congreso must validate it within 30 days or it lapses.
decree-law
A rule with the force of law that the Government passes because it is urgent. It applies from its publication, but the Congreso must validate it within 30 days or it lapses.

It summarizes the text as it was introduced. It is written by artificial intelligence and may contain mistakes: the official text is what counts. Read the official text · How we make summaries

Where it stands

How far did it get?

It took 2 of 7 steps. It reached Admitted, and today it is unfinished.

  1. Introduced12 November 2014Someone registers the text in the Congreso.
  2. Admitted18 November 2014The Bureau of the Congreso accepts it and, for a members’ bill, the plenary decides whether to consider it.
  3. Amendmentsnot reachedGroups propose changes.
  4. Committeenot reachedA committee goes through the text in detail.
  5. Plenarynot reachedAll 350 deputies vote.
  6. Senatenot reachedThe Senate can pass it, amend it or veto it.
  7. BOEnot reachedIt is published in the Official State Gazette (BOE) and comes into force.
See the 6 official steps on a timeline
Dec 2014Mar 2015Jun 2015Sept 201511. 12 November 2014: Presentación22. 18 November 2014: Boletín Oficial de las Cortes Generales Publicación desde 18/11/2014 hasta 21/11/201433. 18 November 2014: Calificación44. 21 November 2014: Gobierno Contestación desde 21/11/2014 hasta 03/02/201555. 3 February 2015: Pleno Toma en consideración desde 03/02/2015 hasta 27/10/201566. 27 October 2015: Concluido - (Caducado) desde 27/10/2015 hasta 20/11/2015

Was there a plenary vote?

We have no plenary vote linked to this law in the Congreso’s data.

What happens next

What happens now?

The legislature ended before it finished. To go on, someone would have to introduce it again in the new Cortes.

It has not been presented again yet.

Sources

Where does all this come from?

  • The data comes from the open files of the Congreso, the Senate and the BOE, unaltered.
  • Each deputy’s province is the one of their seat on the day of the vote.
  • We only say “passed” or “rejected” when the majority needed is certain; otherwise we say which side had more votes.

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