,"o ,hundr$ ,?irte5? ,congress ( !      
,unit$ ,/ates ( ,am]ica  ,at ! ,fir/    
,session ,begun & held at ! ,city (     
,wa%+ton on ,?ursday1 ! ?ird day (      
,janu>y1 two ?\s& & ?irte5  ,h4 ,r4     
#bafg  ,,an ,,act  ,to au?orize !       
,secret>y ( ,h\s+ & ,urban ,developm5t  
to e/abli% additional requirem5ts to    
improve ! fiscal safety & s\ndness ( !  
home equity conv]sion mortgage insurance
 program4  #a4 ,%ort title ,?is ,act may
 be cit$ z ! ,rev]se ,mortgage          
,/abilization ,act ( #bjac4  #b4        
,additional safety & s\ndness           
requirem5ts = home equity conv]sion     
mortgage insurance program ,subsection  
7h7 ( section #bee ( ! ,national ,h\s+  
,act 7#ab ,u4,s4,c4 #agaez-#bj7;h77 is  
am5d$--  7#a7 9 p>agraph 7#a71 by /rik+ 
& at ! end2  7#b7 9 p>agraph 7#b71 by   
/rik+ ! p]iod at ! end & ins]t+ 2 &2 &  
7#c7 by add+ at ! end ! foll[+ new      
p>agraph3  7#c7 e/abli%1 by notice or   
mortgagee lett]1 any additional or      
alt]native requirem5ts t ! ,secret>y1 9 

! ,secret>y's discretion1 det]m9es are  
necess>y to improve ! fiscal safety &   
s\ndness ( ! program au?oriz$ by ?is    
section1 :i* requirem5ts %all take      
effect ^u issuance4  4  ,speak] ( !     
,h\se ( ,repres5tatives4  ,vice         
,presid5t ( ! ,unit$ ,/ates & ,presid5t 
( ! ,s5ate4