,,ii  #aac? ,,congress  #a/ ,session    
,s4 #dfi  ,,9 ,,! ,,s5ate ,,( ,,!       
,,unit$ ,,/ates  ,m>* #f1 #bjac ,mr4    
,m55dez introduc$ ! foll[+ bill2 :i* 0  
read twice & ref]r$ to ! ,committee on  
,bank+1 ,h\s+1 & ,urban ,affairs  ,a    
,,bill  ,to assi/ ! ,secret>y ( ,h\s+ & 
,urban ,developm5t 9 /abiliz+ ! ,home   
,equity ,conv]sion ,mortgage program4   
#a4 ,/abiliz+ ! ,,hecm program ,section 
#bee ( ! ,national ,h\s+ ,act 7#ab      
,u4,s4,c4 #agaez-#bj7 is am5d$--  7#a7 9
 subsection 7d77#h7--  7,a7 by ins]t+   
prop]ty ma9t5ance1 be=e insurance2 &    
7,b7 by ins]t+ 1 includ+ matt]s t set =?
 t]ms & provisions = e/abli%+ escr[     
acc\nts1 p]=m+ f9ancial assessm5ts1 or  
limit+ ! am\nt ( any paym5t made        
available "u ! mortgage be=e !          
semicolon2 &  7#b7 9 subsection 7h7--   
7,a7 9 p>agraph 7#a71 by /rik+ 2 & &    
ins]t+ a semicolon2  7,b7 9 p>agraph    
7#b71 by /rik+ ! p]iod & ins]t+ 2 &2 &  
7,c7 by add+ at ! end ! foll[+ new      
p>agraph3  7#c7 by notice or mortgagee  

lett]1 e/abli% any additional or        
alt]native requirem5ts t ! ,secret>y1 9 
8 or h] discretion1 det]m9es necess>y to
 m effectively c>ry out ! provisions (  
?is section1 & any su* notice or        
mortgagee lett] %all take effect ^u     
issuance4  4