,i  #aac? ,,congress  #a/ ,session  ,h4 
,r4 #bfgc  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,july #aa1 #bjac ,mr4 
,b>r introduc$ ! foll[+ bill2 :i* 0     
ref]r$ to ! ,committee on ,f9ancial     
,s]vices  ,a ,,bill  ,to am5d ! ,tru? 9 
,l5d+ ,act to provide t resid5tial      
mortgage loans held on portfolio qualify
 z qualifi$ mortgages = purposes ( !    
presumption ( ! ability to repay        
requirem5ts "u su* ,act4  #a4 ,%ort     
title ,?is ,act may be cit$ z !         
,portfolio ,l5d+ & ,mortgage ,access    
,act4  #b4 ,loans held on portfolio     
treat$ z qualifi$ mortgages ,section    
#abi;,c7b77#b7 ( ! ,tru? 9 ,l5d+ ,act   
7#ae ,u4,s4,c4 #afci;c7b77#b77 is am5d$ 
by add+ at ! end ! foll[+3  7,f7 ,loans 
held on portfolio ,! t]m qualifi$       
mortgage includes a resid5tial mortgage 
loan made by a cr$itor s long z su* loan
 appe>s on ! balance %eet ( su* cr$itor4
  4