#aad? ,,congress  #a/ ,session  ,h4 ,r4 
#bfdc  ,,an ,,act  ,to direct !         
,attorney ,g5]al to provide ,/ate       
(ficials ) access to crim9al hi/ory     
in=mation ) respect to c]ta9 f9ancial   
s]vice provid]s requir$ to und]go ,/ate 
crim9al backgr\nd *ecks1 & = o!r        
purposes4  #a4 ,%ort title ,?is ,act may
 be cit$ z ! ,/ate ,lic5s+ ,effici5cy   
,act ( #bjae4  #b4 ,backgr\nd *ecks     
,section #aeaa7;a7 ( ! ,s4,a4,f4,e4     
,mortgage ,lic5s+ ,act ( #bjjh 7#ab     
,u4,s4,c4 #eaaj7;a77 is am5d$--  7#a7 by
 ins]t+ aft] ,/ate-lic5s$ loan          
orig9ators ! foll[+3 & o!r f9ancial     
s]vice provid]s2 &  7#b7 by ins]t+ be=e 
! p]iod ! foll[+3 or o!r f9ancial s]vice
 provid]s4  ,pass$ ! ,h\se (            
,repres5tatives ,octob] #bh1            
#bjae4;,cl]k4