,i  #aac? ,,congress  #b;d ,session  ,h4
 ,r4 #dahc  ,,9 ,,! ,,h\se ,,(          
,,repres5tatives  ,m>* #f1 #bjad ,mr4   
,ti]ney introduc$ ! foll[+ bill2 :i* 0  
ref]r$ to ! ,committee on ,f9ancial     
,s]vices  ,a ,,bill  ,to am5d ! ,tru? 9 
,l5d+ ,act to emp[] ! ,/ates to set !   
maximum annual p]c5tage rates applicable
 to consum] cr$it transactions1 & = o!r 
purposes4  #a4 ,%ort title ,?is ,act may
 be cit$ z ! ,emp[]+ ,/ates' ,rights ,to
 ,protect ,consum]s ,act ( #bjad4  #b4  
,limits on annual p]c5tage rates ,*apt] 
#b ( ! ,tru? 9 ,l5d+ ,act 7#ae ,u4,s4,c4
 #afca et seq47 is am5d$ by add+ at !   
end ! foll[+3  #adj;,b4 ,limits on      
,annual ,p]c5tage ,rates ,not)/&+ any   
o!r provision ( law1 ! annual p]c5tage  
rate applicable to any consum] cr$it    
transaction 7o!r ?an a resid5tial       
mortgage transaction71 includ+ any fees 
associat$ ) su* a transaction1 may n    
exce$ ! maximum rate p]mitt$ by ! laws (
 ! ,/ate 9 :i* ! consum] resides4  4