,i  #aac? ,,congress  #b;d ,session  ,h4
 ,r4 #ddfb  ,,9 ,,! ,,h\se ,,(          
,,repres5tatives  ,april #aj1 #bjad     
,mrs4 ,beatty 7= h]self1 ,mr4 ,/iv]s1   
,mr4 ,h9ojosa1 ,ms4 ,wat]s1 ,mrs4       
,c>olyn ,b4 ,maloney ( ,new ,york1 ,mr4 
,clay1 ,mr4 ,meeks1 ,mr4 ,rangel1 ,ms4  
,fudge1 ,mr4 ,gutirrez1 ,ms4 ,l9da ,t4  
,sn*ez ( ,cali=nia1 ,mr4 ,crd5as1 ,ms4  
,sewell ( ,alabama1 ,mr4 ,connolly1 ,mr4
 ,heck ( ,wa%+ton1 ,mr4 ,swalwell (     
,cali=nia1 ,ms4 ,lee ( ,cali=nia1 ,ms4  
,jackson ,lee1 ,ms4 ,eddie ,b]nice      
,johnson ( ,texas1 ,ms4 ,edw>ds1 ,mr4   
,ryan ( ,ohio1 & ,mr4 ,johnson (        
,georgia7 introduc$ ! foll[+ bill2 :i* 0
 ref]r$ to ! ,committee on ,f9ancial    
,s]vices  ,a ,,bill  ,to require !      
,secret>y ( ,h\s+ & ,urban ,developm5t  
to disc\nt ,,fha s+le-family mortgage   
insurance premium paym5ts = fir/-"t     
homebuy]s :o complete a f9ancial lit]acy
 h\s+ c\nsel+ program4  #a4 ,%ort title 
,?is ,act may be cit$ z ! ,h\s+         
,f9ancial ,lit]acy ,act ( #bjad4  #b4   

,disc\nt on mortgage insurance premium  
paym5ts = fir/-"t homebuy]s :o complete 
f9ancial lit]acy h\s+ c\nsel+ programs  
,! second s5t5ce ( subp>agraph 7,a7 (   
section #bjc7;c77#b7 ( ! ,national ,h\s+
 ,act 7#ab ,u4,s4,c4 #agji7;c77#b77;,a77
 is am5d$ by /rik+ n exce$ #b4ge p]c5t (
 ! am\nt ( ! orig9al insur$ pr9cipal    
obligation ( ! mortgage & ins]t+ be #be 
basis po9ts l[] ?an ! premium paym5t    
am\nt e/abli%$ by ! ,secret>y "u ! fir/ 
s5t5ce ( ?is subp>agraph4