,i  #aacth ,,congress  #ast ,session    
,h4 ,r4 #bfgc  ,,in ,,the ,,house ,,of  
,,representatives  ,july #aa1 #bjac ,mr4
 ,barr introduced the following bill2   
which was referred to the ,committee on 
,financial ,services  ,a ,,bill  ,to    
amend the ,truth in ,lending ,act to    
provide that residential mortgage loans 
held on portfolio qualify as qualified  
mortgages for purposes of the           
presumption of the ability to repay     
requirements under such ,act4  #a4      
,short title ,this ,act may be cited as 
the ,portfolio ,lending and ,mortgage   
,access ,act4  #b4 ,loans held on       
portfolio treated as qualified mortgages
 ,section #abi;,c7b77#b7 of the ,truth  
in ,lending ,act 7#ae ,u4,s4,c4         
#afci;c7b77#b77 is amended by adding at 
the end the following3  7,f7 ,loans held
 on portfolio ,the term qualified       
mortgage includes a residential mortgage
 loan made by a creditor so long as such
 loan appears on the balance sheet of   
such creditor4  4