,i  #aad? ,,congress  #a/ ,session  ,h4 
,r4 #bihb  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,july #h1 #bjae ,mr4  
,huffman 7= himself & ,mr4 ,heck (      
,wa%+ton7 introduc$ ! foll[+ bill2 :i* 0
 ref]r$ to ! ,committee on ,f9ancial    
,s]vices  ,a ,,bill  ,to am5d title ,i (
 ! ,national ,h\s+ ,act to modify       
premium *>ges & ! doll> am\nt limitation
 on loans = f9anc+ alt]ations1 repairs1 
& improvem5ts to1 or conv]sion (1 exi/+ 
/ructures1 includ+ en]gy effici5cy or   
wat] cons]v+ home improvem5ts1 & = o!r  
purposes4  #a4 ,%ort title ,?is ,act may
 be cit$ z ! ,sol> & ,wat]-,effici5t    
,homes ,act ( #bjae4  #b4 ,modification 
to premium *>ges on f9anc+ c]ta9        
alt]ations1 repairs1 & improvem5ts to1  
or conv]sions (1 exi/+ /ructures        
,subsection 7f7 ( section #b ( !        
,national ,h\s+ ,act 7#ab ,u4,s4,c4     
#agjc7;f77 is am5d$--  7#a7 9 p>agraph  
7#a71 by /rik+ #a p] c5tum p] annum ( ! 
net proce$s ( su* loan1 advance ( cr$it1
 or pur*ase1 = ! t]m ( su* obligation & 

ins]t+ #a4e p] c5tum p] ye> ( ! rema9+  
insur$ pr9cipal balance 7exclud+ !      
portion ( su* balance attributable to ! 
premium t may be collect$ "u p>agraph   
7#c7 & )\t tak+ into acc\nt del9qu5t    
paym5ts or prepaym5ts72  7#b7 by ins]t+ 
at ! end ! foll[+ new p>agraphs3  7#c7  
,upfront premium *>ge = f9anc+          
alt]ations1 repairs1 improvem5ts1 or    
conv]sions ,9 addition to ! annual      
premium collect$ "u p>agraph 7#a71 9 !  
case ( a loan1 advance ( cr$it1 or      
pur*ase 9 connection ) insurance grant$ 
"u subp>agraph 7,a77i7 or subp>agraph   
7,b7 ( subsection 7b77#a71 ! ,secret>y  
may1 at ! "t ( ! mak+ ( ! loan1 advance 
( cr$it1 or pur*ase1 *>ge a s+le premium
 paym5t 9 an am\nt n to exce$ #b4ge     
p]c5t ( ! am\nt ( ! orig9al insur$      
pr9cipal obligation4 ,su* premium *>ge  
%all be payable 9 advance by ! f9ancial 
in/itution 9 su* mann] z may be         
prescrib$ by ! ,secret>y4  7#d7         
,increase 9 premium *>ge limitations =  
f9anc+ alt]ations1 repairs1 &           

improvem5ts1 or conv]sions ,! ,secret>y 
may increase ! limitations on premium   
paym5ts to p]c5tages great] ?an ^? set  
=? 9 p>agraphs 7#a7 & 7#c71 b only if   
necess>y1 & n 9 excess ( ! m9imum       
increase necess>y 7z det]m9$ bas$ ^u    
risk to ! ,f$]al ,gov]nm5t "u exi/+     
und]writ+ requirem5ts7 to ma9ta9 a      
negative cr$it subsidy = insurance (    
loans1 advances ( cr$it1 or pur*ases "u 
subp>agraph 7,a77i7 or subp>agraph 7,b7 
( subsection 7b77#a74  4  #c4           
,modification to c]ta9 insurance caps & 
loan limitations  7a7 ,modification to  
cap on insurance to f9ancial in/itutions
 ,! second s5t5ce ( section #b7;a7 ( !  
,national ,h\s+ ,act 7#ab ,u4,s4,c4     
#agjc7;a77 is am5d$ by /rik+ 9 no case &
 all t foll[s ?r\gh ! p]iod at ! end &  
ins]t+ ! ,secret>y may1 by notice1      
e/abli% additional requirem5ts relat+ to
 ! insurance grant$ "u ?is section by   
any su* f9ancial in/itution44  7b7      
,modification to loan limitation =      
f9anc+ c]ta9 alt]ations1 repairs1 &     

improvem5ts to1 or conv]sions (1 exi/+  
/ructures ,subsection 7b7 ( section #b (
 su* ,act 7#ab ,u4,s4,c4 #agjc7;b77 is  
am5d$-- 7#a7 9 p>agraph 7#a7--  7,a7 9  
subp>agraph 7,a77i71 by /rik+ #be1jjj & 
ins]t+ #db1jjj2 &  7,b7 9 subp>agraph   
7,b7--  7i7 by /rik+ #fj1jjj & ins]t+   
#ajj1chj2 &  7ii7 by /rik+ #ab1jjj &    
ins]t+ #bj1jgf2 &  7,c7 9 ! matt] aft] &
 bel[ subp>agraph 7,g71 by add+ at ! end
 ! foll[+3 ,! ,secret>y may1 by notice1 
annually1 increase ! doll> am\nt        
limitation 9 subp>agraphs 7,a77i7 & 7,b7
 7z su* limitation may h be5 previ\sly  
adju/$ "u ?is s5t5ce7 9 accordance ) !  
index e/abli%$ pursuant to p>agraph     
7#ab742 &  7#b7 by add+ at ! end !      
foll[+ new p>agraph3  7#ab7 ,annual     
index+ ( loans = f9anc+ alt]ations1     
repairs1 & improvem5ts to1 or conv]sions
 (1 exi/+ /ructures ,n lat] ?an #a ye>  
aft] ! date ( enactm5t ( ! ,sol> &      
,wat]-,effici5t ,homes ,act ( #bjae1 !  
,secret>y %all develop a me?od ( index+ 
to annually increase ! doll> am\nt      

limitations e/abli%$ 9 subp>agraphs     
7,a77i7 & 7,b7 ( p>agraph 7#a74 ,su*    
index %all be bas$ on consum] price     
index data on h\s+ collect$ by ! ,bureau
 ( ,labor ,/ati/ics4  4  7c7 ,te*nical  
am5dm5ts ,section #b ( su* ,act 7#ab    
,u4,s4,c4 #agjc7 is am5d$-- 7#a7 9 !    
f\r? undesignat$ p>agraph ( subsection  
7a7--  7,a7 9 p>agraph 7#b71 by /rik+ & 
at ! end2 &  7,b7 9 p>agraph 7#c71 by   
/rik+ ! p]iod at ! end & ins]t+ 2 &2 &  
7#b7 9 subsection 7b77#a7-- 7,a7 9      
subp>agraph 7,d71 by /rik+ & at ! end2 &
  7,b7 9 subp>agraph 7,e71 by /rik+ !   
p]iod at ! end & ins]t+ 2 &4  #d4       
,modification to loan limitation = en]gy
 effici5cy & wat] cons]v+ home          
improvem5ts ,subsection 7b7 ( section #b
 ( ! ,national ,h\s+ ,act 7#ab ,u4,s4,c4
 #agjc7;b771 z am5d$ by section #c7;b7 (
 ?is ,act1 is fur!r am5d$ by add+ at !  
end ! foll[+ new p>agraph3  7#ac7       
,adju/m5t = en]gy cons]v+ improvem5ts or
 ! in/allation ( sol> en]gy sy/ems ,!   
doll> am\nt limitations o!rwise         

applicable "u subp>agraph 7,a77i7 &     
subp>agraph 7,b7 ( p>agraph 7#a7 7z     
adju/$ by p>agraph 7#ab77 may be        
increas$ up to #aej p]c5t ( su*         
limitation1 b su* increase may n exce$ !
 doll> am\nt ( ! loan t w be us$ =      
pur*as+ or implem5t+ en]gy cons]v+      
improvem5ts or pur*as+ or in/all+ sol>  
en]gy sy/ems 7z su* t]ms are def9$ 9 !  
la/ p>agraph ( subsection 7a771 or =    
pur*as+ or implem5t+ wat] cons]v+       
improvem5ts 7z def9$ by ! ,secret>y74  4