,,ib  ,union ,cal5d> ,no4 #cd  #aad?    
,,congress  #a/ ,session  ,h4 ,r4 #fej  
,report ,no4 #aad-ec  ,,9 ,,! ,,h\se ,,(
 ,,repres5tatives  ,febru>y #b1 #bjae   
,mr4 ,f9*] 7= himself1 ,ms4 ,sewell (   
,alabama1 ,mr4 ,b>r1 & ,ms4 ,s9ema7     
introduc$ ! foll[+ bill2 :i* 0 ref]r$ to
 ! ,committee on ,f9ancial ,s]vices     
,april #f1 #bjae ,additional sponsors3  
,mr4 ,duncan ( ,t5nessee1 ,mr4 ,nug5t1  
,mrs4 ,black1 ,mr4 ,mull91 ,mr4 ,lucas1 
,mr4 ,salmon1 ,mr4 ,h>p]1 ,mr4 ,palazzo1
 ,mr4 ,mulvaney1 ,mr4 ,duffy1 ,mr4      
,franks ( ,arizona1 ,mrs4 ,walorski1    
,mr4 ,gos>1 ,mr4 ,:itfield1 ,mr4 ,pe>ce1
 ,mrs4 ,kirkpatrick1 ,mrs4 ,blackburn1  
,mr4 ,?ompson ( ,p5nsylvania1 ,mr4      
,blum1 ,mr4 ,/utzman1 ,mr4 ,russell1    
,mr4 ,d5t1 ,mr4 ,byrne1 ,mrs4 ,brooks ( 
,indiana1 ,mr4 ,s*weik]t1 ,mr4 ,hill1   
,mr4 ,buck1 ,mr4 ,m>*ant1 ,mr4 ,hurt (  
,virg9ia1 ,mr4 ,ro?fus1 ,mr4 ,p]ry1 ,mr4
 ,williams1 ,mr4 ,des,jarlais1 ,mr4     
,h9ojosa1 ,mr4 ,fleis*mann1 ,mr4 ,ross1 
,mr4 ,/iv]s1 ,mr4 ,posey1 ,mr4          

,fitzpatrick1 & ,mr4 ,k+ ( ,new ,york   
,april #f1 #bjae ,committ$ to !         
,committee ( ! ,:ole ,h\se on ! ,/ate ( 
! ,union & ord]$ to be pr9t$  ,a ,,bill 
,to am5d ! ,tru? 9 ,l5d+ ,act to modify 
! def9itions ( a mortgage orig9ator & a 
high-co/ mortgage4  #a4 ,%ort title ,?is
 ,act may be cit$ z ! ,pres]v+ ,access  
to ,manufactur$ ,h\s+ ,act ( #bjae4  #b4
 ,mortgage orig9ator def9ition ,section 
#ajc ( ! ,tru? 9 ,l5d+ ,act 7#ae        
,u4,s4,c4 #afjb7 is am5d$--  7#a7 by    
r$esignat+ ! second subsection 7cc7 &   
subsection 7dd7 z subsections 7dd7 &    
7ee71 respectively2 &  7#b7 9 p>agraph  
7#b77;,c7 ( subsection 7dd71 z s        
r$esignat$1 by /rik+ an employee ( a    
retail] ( manufactur$ homes :o is n     
describ$ 9 clause 7i7 or 7iii7 (        
subp>agraph 7,a7 & :o does n advise a   
consum] on loan t]ms 7includ+ rates1    
fees1 & o!r co/s7 & ins]t+ a retail] (  
manufactur$ or modul> homes or its      
employees unless su* retail] or its     
employees receive comp5sation or ga9 =  

engag+ 9 activities describ$ 9          
subp>agraph 7,a7 t is 9 excess ( any    
comp5sation or ga9 receiv$ 9 a comp>able
 ca% transaction4  #c4 ,high-,co/       
mortgage def9ition ,section #ajc ( !    
,tru? 9 ,l5d+ ,act 7#ae ,u4,s4,c4 #afjb7
 is am5d$-- 7#a7 by r$esignat+          
subsection 7aa7 7relat+ to disclosure ( 
great] am\nt or p]c5tage71 z s designat$
 by section #aajj;,a ( ! ,consum]       
,f9ancial ,protection ,act ( #bjaj1 z   
subsection 7bb72  7#b7 by r$esignat+    
subsection 7bb7 7relat+ to high co/     
mortgages71 z s designat$ by section    
#aajj;,a ( ! ,consum] ,f9ancial         
,protection ,act ( #bjaj1 z subsection  
7aa71 & mov+ su* subsection to          
imm$iately foll[ subsection 7z72 &  7#c7
 9 subsection 7aa77#a77;,a71 z s        
r$esignat$--  7,a7 9 clause 7i77,i71 by 
/rik+ 7#h4e p]c5tage po9ts1 if ! dwell+ 
is p]sonal prop]ty & ! transaction is = 
less ?an #ej1jjj7 & ins]t+ 7#aj p]c5tage
 po9ts if ! dwell+ is p]sonal prop]ty or
 is a transaction t does n include !    

pur*ase ( real prop]ty on :i* a dwell+  
is to be plac$1 & ! transaction is =    
less ?an #ge1jjj 7z su* am\nt is adju/$ 
by ! ,bureau to reflect ! *ange 9 !     
,consum] ,price ,index772 &  7,b7 9     
clause 7ii7--  7i7 9 subclause 7,i71 by 
/rik+ or at ! end2 &  7ii7 by add+ at ! 
end ! foll[+3  7,,iii7 9 ! case ( a     
transaction = less ?an #ge1jjj 7z su*   
am\nt is adju/$ by ! ,bureau to reflect 
! *ange 9 ! ,consum] ,price ,index7 9   
:i* ! dwell+ is p]sonal prop]ty 7or is a
 consum] cr$it transaction t does n     
include ! pur*ase ( real prop]ty on :i* 
a dwell+ is to be plac$7 ! great] ( #e  
p]c5t ( ! total transaction am\nt or    
#c1jjj 7z su* am\nt is adju/$ by !      
,bureau to reflect ! *ange 9 ! ,consum] 
,price ,index72 or  4  ,april #f1 #bjae 
,committ$ to ! ,committee ( ! ,:ole     
,h\se on ! ,/ate ( ! ,union & ord]$ to  
be pr9t$