To amend the Immigration and Nationality Act to remove the discretion of the Secretary of Homeland Security with respect to expedited removal under section 235(b)(1)(A)(iii)(I) of such Act and to amend the Truth in Lending Act to prohibit issuance of residential mortgages to illegal aliens.

Amends the Immigration and Nationality Act to eliminate the Secretary of Homeland Security's discretionary authority to order expedited removal, except that if the Secretary determines after consulting with appropriate federal, state, or local law enforcement agencies that the alien will be detained under the authority of such an agency, the Secretary may not remove the alien until such detention terminates.

Amends the Truth in Lending Act to prohibit residential mortgages for aliens residing unlawfully in the United States.