,,ii  #aac? ,,congress  #a/ ,session    
,s4 #abbi  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,june #bf1 #bjac ,mr4  
,:iteh\se 7= himself & ,ms4 ,w>r57      
introduc$ ! foll[+ bill2 :i* 0 read     
twice & ref]r$ to ! ,committee on       
,bank+1 ,h\s+1 & ,urban ,affairs  ,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 
! 8,emp[]+ ,/ates' ,rights ,to ,protect 
,consum]s ,act ( #bjac04  #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