,i  #aac? ,,congress  #a/ ,session  ,h4 
,r4 #cbaa  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,septemb] #bh1        
#bjac,mr4 ,huiz5ga ( ,mi*igan 7=        
himself1 ,mr4 ,meeks1 ,mr4 ,royce1 ,mr4 
,david ,scott ( ,georgia1 ,mr4 ,/iv]s1  
,mr4 ,pet]s ( ,mi*igan1 ,mr4 ,ba*us1    
,ms4 ,mc,collum1 ,mr4 ,murphy (         
,florida1 & ,mr4 ,doyle7 introduc$ !    
foll[+ bill2 :i* 0 ref]r$ to !          
,committee on ,f9ancial ,s]vices  ,a    
,,bill  ,to am5d ! ,tru? 9 ,l5d+ ,act to
 improve ^u ! def9itions provid$ = po9ts
 & fees 9 connection ) a mortgage       
transaction4  #a4 ,%ort title ,?is ,act 
may be cit$ z ! ,mortgage ,*oice ,act ( 
#bjac4  #b4 ,def9ition ( po9ts & fees   
7a7 ,am5dm5t to section #ajc ( ,,tila   
,section #ajc7;bb77#d7 ( ! ,tru? 9 ,l5d+
 ,act 7#ae ,u4,s4,c4 #afjb7;bb77#d77 is 
am5d$-- 7#a7 by /rik+ p>agraph 7#a77;,b7
 & ins]t+ p>agraph 7#a77;,a7 & section  
#abi;,c2  7#b7 9 subp>agraph 7,c7-- 7,a7
 by ins]t+ & insurance aft] taxes2  7,b7
 9 clause 7ii71 by ins]t+ 1 except z    

reta9$ by a cr$itor or its affiliate z a
 result ( _! p>ticipation 9 an affiliat$
 bus9ess arrangem5t 7z def9$ 9 section  
#b7g7 ( ! ,real ,e/ate ,settlem5t       
,proc$ures ,act ( #aigd 7#ab ,u4,s4,c4  
#bfjb7g77 aft] comp5sation2 &  7,c7 by  
/rik+ clause 7iii7 & ins]t+ ! foll[+3   
7iii7 ! *>ge is-- 7,i7 a bona fide      
?ird-p>ty *>ge n reta9$ by ! mortgage   
orig9ator1 cr$itor1 or an affiliate ( ! 
cr$itor or mortgage orig9ator2 or       
7,,ii7 a *>ge set =? 9 section          
#ajf7;e77#a72  2 &  7#c7 9 subp>agraph  
7,d7-- 7,a7 by /rik+ accid5t12 &  7,b7  
by /rik+ or any paym5ts & ins]t+ & any  
paym5ts4  7b7 ,am5dm5t to section       
#abi;,c ( ,,tila ,section #abi;,c ( !   
,tru? 9 ,l5d+ ,act 7#ae ,u4,s4,c4       
#afci;c7 is am5d$-- 7#a7 9 subsection   
7a77#e77;,c71 by /rik+ #ajc & all t     
foll[s ?r\gh or mortgage orig9ator &    
ins]t+ #ajc7;bb77#d72 &  7#b7 9         
subsection 7b77#b77;,c77i71 by /rik+    
#ajc & all t foll[s ?r\gh or mortgage   
orig9ator7 & ins]t+ #ajc7;bb77#d74  #c4 

,rulemak+ ,n lat] ?an ! end ( ! #ij-;day
 p]iod beg9n+ on ! date ( ! enactm5t (  
?is ,act1 ! ,bureau ( ,consum] ,f9ancial
 ,protection %all issue f9al regulations
 to c>ry out ! am5dm5ts made by ?is     
,act1 & su* regulations %all be         
effective ^u issuance4