,,ii  #aac? ,,congress  #b;d ,session   
,s4 #bfda  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,july #bb1 #bjad ,ms4  
,l&rieu 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
 provide t resid5tial mortgage loans    
held 9 portfolio qualify z qualifi$     
mortgages = purposes ( ! presumption ( !
 ability to repay requirem5ts "u su*    
,act1 & = o!r purposes4  #a4  ,loans    
held on portfolio treat$ z qualifi$     
mortgages  ,section #abi;,c7b77#b7 ( !  
,tru? 9 ,l5d+ ,act 7#ae ,u4,s4,c4       
#afci;c7b77#b77 is am5d$ by add+ at !   
end ! foll[+3  7,f7  ,loans held on     
portfolio  ,! t]m qualifi$ mortgage     
includes a resid5tial mortgage loan made
 by a cr$itor hav+ less ?an             
#aj1jjj1jjj1jjj 9 total assets s long z 
su* loan appe>s on ! balance %eet ( su* 
cr$itor4  4