,i  #aac? ,,congress  #b;d ,session  ,h4
 ,r4 #deba  ,,9 ,,! ,,h\se ,,(          
,,repres5tatives  ,april #cj1 #bjad ,mr4
 ,luetkemey] introduc$ ! foll[+ bill2   
:i* 0 ref]r$ to ! ,committee on         
,f9ancial ,s]vices  ,a ,,bill  ,to      
modify exemptions = small cr$itors &    
mortgage loan s]vic]s1 to require a /udy
 ( appropriate capital requirem5ts =    
mortgage s]vic+ assets = nonsy/emic     
bank+ in/itutions1 & = o!r purposes4    
#a4 ,%ort title ,?is ,act may be cit$ z 
! ,community ,in/itution ,mortgage      
,relief ,act ( #bjad4  #b4 ,exemption f 
escr[ requirem5ts = loans held by small 
cr$itors ,section #abi;,d7c7 ( ! ,tru? 9
 ,l5d+ ,act 7#ae ,u4,s4,c4 #afci;d7c771 
z add$ by section #adfa7;a7 ( !         
,dodd-,frank ,wall ,/reet ,re=m &       
,consum] ,protection ,act1 is am5d$--   
7#a7 by r$esignat+ p>agraphs 7#a71 7#b71
 7#c71 & 7#d7 z subp>agraphs 7,a71 7,b71
 7,c71 & 7,d7 & mov+ su* subp>agraphs #b
 ems to ! "r2  7#b7 by /rik+ ,! ,bo>d & 
ins]t+ ! foll[+3  7#a7 ,9 g5]al ,! ,bo>d

  2 &  7#c7 by add+ at ! end ! foll[+   
new p>agraph3  7#b7 ,treatm5t ( loans   
held by small] cr$itors ,! ,bo>d %all1  
by regulation1 exempt f ! requirem5ts ( 
subsection 7a7 any loan secur$ by a fir/
 li5 on a consum]'s pr9ciple dwell+1 if 
su* loan is held by a cr$itor ) assets (
 #aj1jjj1jjj1jjj or less4  4  #c4       
,modification to exemption = small      
s]vic]s ( mortgage loans ,section #f ( !
 ,real ,e/ate ,settlem5t ,proc$ures ,act
 ( #aigd 7#ab ,u4,s4,c4 #bfje7 is am5d$ 
by add+ at ! end ! foll[+3  7n7 ,small  
,s]vic] ,exemption ,! ,bureau %all1 by  
regulation1 provide exemptions to1 or   
adju/m5ts =1 ! provisions ( ?is section 
= s]vic]s t annually s]vice #bj1jjj or  
few] mortgage loans1 9 ord] to r$uce    
regulatory burd5s :ile appropriately    
balanc+ consum] protections4  4