,i  #aad? ,,congress  #a/ ,session  ,h4 
,r4 #aijh  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,april #ba1 #bjae     
,mrs4 ,beatty 7= h]self1 ,mr4 ,/iv]s1   
,mr4 ,h9ojosa1 ,ms4 ,sewell ( ,alabama1 
,mrs4 ,c>olyn ,b4 ,maloney ( ,new ,york1
 ,ms4 ,moore1 ,ms4 ,edw>ds1 ,mr4        
,cony]s1 ,ms4 ,kelly ( ,ill9ois1 ,mr4   
,heck ( ,wa%+ton1 ,mr4 ,crd5as1 ,mrs4   
,watson ,coleman1 ,mr4 ,al ,gre5 (      
,texas1 ,mr4 ,rangel1 ,ms4 ,hahn1 ,ms4  
,norton1 ,mr4 ,cumm+s1 ,mr4 ,fattah1    
,mr4 ,david ,scott ( ,georgia1 ,mr4     
,clay1 ,ms4 ,fudge1 ,ms4 ,kaptur1 & ,mr4
 ,c>son ( ,indiana7 introduc$ ! foll[+  
bill2 :i* 0 ref]r$ to ! ,committee on   
,f9ancial ,s]vices  ,a ,,bill  ,to      
require ! ,secret>y ( ,h\s+ & ,urban    
,developm5t to disc\nt ,,fha s+le-family
 mortgage insurance premium paym5ts =   
fir/-"t homebuy]s :o complete a f9ancial
 lit]acy h\s+ c\nsel+ program4  #a4     
,%ort title ,?is ,act may be cit$ z !   
,h\s+ ,f9ancial ,lit]acy ,act ( #bjae4  
#b4 ,disc\nt on mortgage insurance      

premium paym5ts = fir/-"t homebuy]s :o  
complete f9ancial lit]acy h\s+ c\nsel+  
programs ,! second s5t5ce ( subp>agraph 
7,a7 ( section #bjc7;c77#b7 ( !         
,national ,h\s+ ,act 7#ab ,u4,s4,c4     
#agji7;c77#b77;,a77 is am5d$ by /rik+ n 
exce$ #b4ge p]c5t ( ! am\nt ( ! orig9al 
insur$ pr9cipal obligation ( ! mortgage 
& ins]t+ be #be basis po9ts l[] ?an !   
premium paym5t am\nt e/abli%$ by !      
,secret>y "u ! fir/ s5t5ce ( ?is        
subp>agraph4