,i  #aacth ,,congress  #b;d ,session    
,h4 ,r4 #ddfb  ,,in ,,the ,,house ,,of  
,,representatives  ,april #aj1 #bjad    
,mrs4 ,beatty 7for herself1 ,mr4        
,stivers1 ,mr4 ,hinojosa1 ,ms4 ,waters1 
,mrs4 ,carolyn ,b4 ,maloney of ,new     
,york1 ,mr4 ,clay1 ,mr4 ,meeks1 ,mr4    
,rangel1 ,ms4 ,fudge1 ,mr4 ,gutirrez1   
,ms4 ,linda ,t4 ,snchez of ,california1 
,mr4 ,crdenas1 ,ms4 ,sewell of ,alabama1
 ,mr4 ,connolly1 ,mr4 ,heck of          
,washington1 ,mr4 ,swalwell of          
,california1 ,ms4 ,lee of ,california1  
,ms4 ,jackson ,lee1 ,ms4 ,eddie ,bernice
 ,johnson of ,texas1 ,ms4 ,edwards1 ,mr4
 ,ryan of ,ohio1 and ,mr4 ,johnson of   
,georgia7 introduced the following bill2
 which was referred to the ,committee on
 ,financial ,services  ,a ,,bill  ,to   
require the ,secretary of ,housing and  
,urban ,development to discount ,,fha   
single-family mortgage insurance premium
 payments for first-time homebuyers who 
complete a financial literacy housing   
counseling program4  #a4 ,short title   

,this ,act may be cited as the ,housing 
,financial ,literacy ,act of #bjad4  #b4
 ,discount on mortgage insurance premium
 payments for first-time homebuyers who 
complete financial literacy housing     
counseling programs ,the second sentence
 of subparagraph 7,a7 of section        
#bjc7;c77#b7 of the ,national ,housing  
,act 7#ab ,u4,s4,c4 #agji7;c77#b77;,a77 
is amended by striking not exceed #b4ge 
percent of the amount of the original   
insured principal obligation of the     
mortgage and inserting be #be basis     
points lower than the premium payment   
amount established by the ,secretary    
under the first sentence of this        
subparagraph4