,i  #aac? ,,congress  #b;d ,session  ,h4
 ,r4 #eejf  ,,9 ,,! ,,h\se ,,(          
,,repres5tatives  ,septemb] #ag1 #bjad  
,mr4 ,huffman 7= himself & ,mr4 ,heck ( 
,wa%+ton7 introduc$ ! foll[+ bill2 :i* 0
 ref]r$ to ! ,committee on ,f9ancial    
,s]vices  ,a ,,bill  ,to am5d title ,i (
 ! ,national ,h\s+ ,act to1 = f9anc+    
alt]ations1 repairs1 & improvem5ts to1  
or conv]sion (1 exi/+ /ructures1 modify 
premium *>ges & ! doll> am\nt limitation
 on loans1 includ+ en]gy effici5cy home 
improvem5ts4  #a4 ,%ort title ,?is ,act 
may be cit$ z ! ,home ,improvem5t ,loan 
,mod]nization ,act ( #bjad4  #b4        
,modification to premium *>ges on f9anc+
 c]ta9 alt]ations1 repairs1 &           
improvem5ts to1 or conv]sions (1 exi/+  
/ructures ,subsection 7f7 ( section #b (
 ! ,national ,h\s+ ,act 7#ab ,u4,s4,c4  
#agjc7;f77 is am5d$--  7#a7 9 p>agraph  
7#b71 by /rik+ p>agraph 7#a7 & ins]t+   
p>agraphs 7#a7 & 7#c72 &  7#b7 by ins]t+
 at ! end ! foll[+ new p>agraph3  7#c7  
,f9anc+ alt]ations1 repairs1            

improvem5ts1 or conv]sions ,not)/&+     
p>agraphs 7#a7 & 7#b71 9 ! case ( a     
loan1 advance ( cr$it1 or pur*ase 9     
connection ) insurance grant$ "u        
subp>agraph 7,a77i7 or subp>agraph 7,b7 
( p>agraph 7#a71 ! premium *>ge = su*   
insurance %all be paid by ! f9ancial    
in/itution provid+ ! loan or advance (  
cr$it1 z foll[s3  7,a7 ,at ! "t ( ! mak+
 ( ! loan1 advance ( cr$it1 or pur*ase1 
a s+le premium paym5t 9 an am\nt n to   
exce$ #b4ge p]c5t ( ! am\nt ( ! orig9al 
insur$ pr9cipal obligation4  7,b7 ,9    
addition to ! premium "u subp>agraph    
7,a71 annual premium paym5ts dur+ ! t]m 
( ! loan1 advance1 or obligation pur*as$
 9 an am\nt n exce$+ #a4e p]c5t ( !     
rema9+ insur$ pr9cipal balance 7exclud+ 
! portion ( ! rema9+ balance            
attributable to ! premium collect$ "u   
subp>agraph 7,a7 & )\t tak+ into acc\nt 
del9qu5t paym5ts or prepaym5ts74  7,c7  
,premium *>ges "u ?is p>agraph %all be  
e/abli%$ 9 am\nts t are suffici5t1 b d n
 exce$ ! m9imum am\nts necess>y 7z      

det]m9$ bas$ ^u risk to ! ,f$]al        
,gov]nm5t "u exi/+ und]writ+            
requirem5ts7 to ma9ta9 a negative cr$it 
subsidy = ! program "u ?is section =    
insurance ( loans1 advances ( cr$it1 or 
pur*ases 9 connection )--  7i7 f9anc+   
alt]ations1 repairs1 & improvem5ts =    
s+le-family /ructures2 &  7ii7 f9anc+   
alt]ations1 repairs1 improvem5ts1 or    
conv]sions ( an exi/+ /ructure us$ or to
 be us$ z an ap>tm5t h\se or a dwell+ = 
two or m families4  7,d7 ,! ,secret>y   
may increase ! limitations on premium   
paym5ts to p]c5tages above ^? set =? 9  
subp>agraphs 7,a7 & 7,b71 b only if     
necess>y1 & n 9 excess ( ! m9imum       
increase necess>y1 to ma9ta9 a negative 
cr$it subsidy z describ$ 9 subp>agraph  
7,c74  4  #c4 ,modification to loan     
limitation = f9anc+ c]ta9 alt]ations1   
repairs1 & improvem5ts to1 or conv]sions
 (1 exi/+ /ructures ,subsection 7b7 (   
section #b ( ! ,national ,h\s+ ,act 7#ab
 ,u4,s4,c4 #agjc7;b77 is am5d$--  7#a7 9
 p>agraph 7#a7--  7,a7 9 subp>agraph    

7,a77i71 by /rik+ #be1jjj & ins]t+      
#db1jjj2  7,b7 9 subp>agraph 7,b7--  7i7
 by /rik+ #fj1jjj & ins]t+ #aja1hhh2 &  
7ii7 by /rik+ #ab1jjj & ins]t+ #bj1cgh2 
&  7,c7 9 ! matt] aft] & bel[           
subp>agraph 7,g71 by add+ at ! end !    
foll[+3 ,! ,secret>y %all1 by notice1   
annually increase ! doll> am\nt         
limitation 9 subp>agraph 7,a77i7 &      
subp>agraph 7,b7 7z su* limitations may 
h be5 previ\sly adju/$ "u ?is s5t5ce7 9 
accordance ) ! index e/abli%$ pursuant  
to p>agraph 7#ab742 &  7#b7 by add+ at !
 end ! foll[+ new p>agraph3  7#ab7      
,annual index+ ( loans = f9anc+         
alt]ations1 repairs1 & improvem5ts to1  
or conv]sions (1 exi/+ /ructures ,n lat]
 ?an #a ye> aft] ! date ( enactm5t ( !  
,home ,improvem5t ,loan ,mod]nization   
,act ( #bjad1 ! ,secret>y %all develop a
 me?od ( index+ to annually increase !  
doll> am\nt limitations e/abli%$ 9      
subp>agraph 7,a77i7 & subp>agraph 7,b7 (
 p>agraph 7#a74 ,su* index %all be bas$ 
on ! ,consum] ,price ,index = all urban 

consum]s 7,,cpi-,u7 comput$ by ! ,bureau
 ( ,labor ,/ati/ics4  4  #d4            
,modification to loan limitation = en]gy
 effici5cy home improvem5ts ,subsection 
7b7 ( section #b ( ! ,national ,h\s+    
,act 7#ab ,u4,s4,c4 #agjc7;b771 z am5d$ 
by section #b ( ?is ,act1 is fur!r am5d$
 by add+ at ! end ! foll[+ new p>agraph3
  7#ac7 ,! doll> am\nt limitations      
o!rwise applicable "u subp>agraph       
7,a77i7 & subp>agraph 7,b7 ( p>agraph   
7#a7 7z adju/$ by p>agraph 7#ab77 may be
 increas$ up to #aej p]c5t ( su*        
limitation if at lea/ half ( ! am\nt w  
be us$ = en]gy cons]v+ improvem5ts or ! 
in/allation ( sol> en]gy sy/ems 7z def9$
 9 ! la/ p>agraph ( section #b7;a7 ( ?is
 ,act74  4