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((short description|US housing legislation passed in 1933))
[[Image:FDR in 1933.jpg|thumb|right|[[Franklin D. Roosevelt]] in 1933]]

The '''Homeowners Refinancing Act''' (also known as the '''Home Owners' Loan Act of 1933''' and the '''Home Owners' Loan Corporation Act''') was an [[Act of Congress]] of the [[United States]] passed as part of [[Franklin Delano Roosevelt|Franklin Delano Roosevelt's]] [[New Deal]] during the [[Great Depression]] to help those in danger of losing their homes.<ref name="google">((cite book|title=Barron's Regents Exam and Answers: U.S. History and Government|author1=McGeehan, J.|author2=Gall, M.|author3=Streitwieser, W.|date=2014|publisher=Barron's Educational Series|isbn=9780812033441|url=https://books.google.com/books?id=jJ2Z6Bv4CSAC|page=133|access-date=2015-06-03))</ref> The act, which went into effect on June 13, 1933, provided mortgage assistance to homeowners or would-be homeowners by providing them money or refinancing mortgages.<ref name="columbia">((cite web|url=http://beatl.barnard.columbia.edu/amciv/NewDealTLine.htm |archive-url=https://web.archive.org/web/20020427025747/http://beatl.barnard.columbia.edu/amciv/NewDealTLine.htm |archive-date=2002-04-27 |url-status=dead |title=History 1052y&nbsp; Mr |access-date=2015-06-03 ))</ref><ref name="telus">((cite web|url=http://www3.telus.net/EKaminski/rooseveltnotes.htm|title=Roosevelt|publisher=www3.telus.net|access-date=2015-06-03))</ref><ref name="nfshost">((cite web|url=http://apusnotes.nfshost.com/timeline/presidents|title=History Bookshelf - Presidential Accomplishments|publisher=apusnotes.nfshost.com|access-date=2015-06-03))</ref>

Sponsored by Senate Majority Leader Joe Robinson of Arkansas, it also created the [[Home Owners' Loan Corporation]] (HOLC), building on [[Herbert Hoover|Herbert Hoover's]] [[Federal Loan Bank Board]]. The Corporation lent low-interest money to families in danger of losing their homes to foreclosure. By the mid-1930s, the HOLC had refinanced nearly 20% of urban homes in the country.<ref name="google2">((cite book|title=Anxious Decades: America in Prosperity and Depression, 1920-1941|author=Parrish, M.E.|date=1994|publisher=W.W. Norton|isbn=9780393311341|url=https://books.google.com/books?id=vzKfAUlWdFQC|page=295|access-date=2015-06-03))</ref><ref name="google3">((cite book|title=Financing the American Dream: A Cultural History of Consumer Credit|author=Calder, L.|date=2009|publisher=Princeton University Press|isbn=9781400822836|url=https://books.google.com/books?id=jm8dwXL6cLkC|page=280|access-date=2015-06-03))</ref>

==History==

===New Deal===
((main|New Deal))
((Refimprove section|date=May 2011))
Having won a decisive victory in the [[1932 United States presidential election|United States presidential election of 1932]], and with his party having decisively swept Congressional elections across the nation, Roosevelt entered office with unprecedented [[political capital]]. Americans of all political persuasions were demanding immediate action, and Roosevelt responded with a remarkable series of new programs in the "first hundred days" of the administration, in which he met with Congress for 100 days. During those 100 days of lawmaking, Congress granted Roosevelt's every request.

===Congressional===
The original ''Home Owners' Loan Act of 1933'', ((USPL|73|43)), ((USStat|48|128)), was enacted June 13, 1933. The [https://fraser.stlouisfed.org/title/70/item/23532 1st Annual Report] of the [[Federal Home Loan Bank Board]] refers to this act as the ''Home Owners' Loan Corporation Act''.<ref>((citation|title=1st Annual Report of the Federal Home Loan Bank Board|year=1934|page=47|publisher=[[United States Government Publishing Office|Government Printing Office.]]|url=https://fraser.stlouisfed.org/title/70/item/23532))</ref> An unnamed act, ((USStatute|73|178|48|643|1934|04|27)), further amended this act to guarantee the bonds of the Home Owners' Loan Corporation.

==See also==
* [[Housing and Economic Recovery Act of 2008]]

==References==
((reflist))

==External links==
* [https://www.govinfo.gov/content/pkg/COMPS-11132/uslm/COMPS-11132.xml Home Owners' Loan Act] as amended ([https://www.govinfo.gov/content/pkg/COMPS-11132/pdf/COMPS-11132.pdf PDF]/[https://www.govinfo.gov/app/details/COMPS-11132 details]) in the [[United States Government Publishing Office|GPO]] [https://www.govinfo.gov/help/comps Statute Compilations collection]
* [https://fraser.stlouisfed.org/title/850 Home Owners' Loan Act of 1933] as enacted on [[FRASER]]

((New Deal))
((US housing by state))
[[Category:1933 in American law]]
[[Category:New Deal legislation]]
[[Category:United States federal housing legislation]]
[[Category:Mortgage legislation]]

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