I 116th CONGRESS 1st Session H. R. 3958 IN THE HOUSE OF REPRESENTATIVES July 25, 2019 Ms. Waters (for herself, Mrs. Carolyn B. Maloney of New York , Mr. Clay , Ms. Tlaib , Mr. Foster , and Mr. Cleaver ) introduced the following bill; which was referred to the Committee on Financial Services A BILL To make necessary reforms to improve compliance with loss mitigation requirements by servicers of mortgages for single family housing insured by the FHA and to prevent foreclosures on FHA borrowers, and for other purposes.