,,ii  #aacth ,,congress  #b;d ,session  
,s4 #bfda  ,,in ,,the ,,senate ,,of     
,,the ,,united ,,states  ,july #bb1     
#bjad ,ms4 ,landrieu introduced the     
following bill2 which was read twice and
 referred to the ,committee on ,banking1
 ,housing1 and ,urban ,affairs  ,a      
,,bill  ,to amend the ,truth in ,lending
 ,act to provide that residential       
mortgage loans held in portfolio qualify
 as qualified mortgages for purposes of 
the presumption of the ability to repay 
requirements under such ,act1 and for   
other purposes4  #a4  ,loans held on    
portfolio treated as qualified mortgages
  ,section #abi;,c7b77#b7 of the ,truth 
in ,lending ,act 7#ae ,u4,s4,c4         
#afci;c7b77#b77 is amended by adding at 
the end the following3  7,f7  ,loans    
held on portfolio  ,the term qualified  
mortgage includes a residential mortgage
 loan made by a creditor having less    
than #aj1jjj1jjj1jjj in total assets so 
long as such loan appears on the balance
 sheet of such creditor4  4