According to the Wall Street Journal on October 8, 2010, Damian Paletta reporting: "The vetoed bill, written by Rep. Robert Aderholt (R., Ala.), moved through Congress without attracting much attention and appears aimed at a much broader target than the foreclosure process. It would have required state and federal courts to accept documents of many different kinds that are notarized by people or computers in other states. The House passed the bill in April 2010 by "voice vote" and the Senate passed it unanimously Sept. 27. The bill caught the attention of Ohio Secretary of State Jennifer Brunner, a Democrat who has battled banks in her state over foreclosure procedures. She raised concerns with the White House earlier this week, she said in an interview, and sent an email to supporters asking for help getting the White House to block it."

"The morgage-servicing process is a regulatory gray area in which dozens of state and federal agencies play a small rule but over which no one agency has primary responsibility. The new Bureau of Consumer Financial Protection, created by the financial industry overhaul law in July 2010, would have powers to act in this area, but it doesn’t ahve its full authority until next summer of 2011."

"The bill raised difficult policy decisions for government officials. Some argued it ought to be easier for banks and others to process documents electronically to help reduce the backlog of foreclosrues and aid the housing market’s recovery."