,,ii  #aad? ,,congress  #a/ ,session    
,s4 #accj  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,may #ac1 #bjae,mrs4   
,murray 7= h]self1 ,mr4 ,frank51 ,ms4   
,w>r51 ,mr4 ,m]kley1 ,mr4 ,book]1 ,mr4  
,s*atz1 ,mr4 ,m>key1 ,mrs4 ,%ahe51 ,ms4 
,hirono1 ,ms4 ,baldw91 ,mrs4 ,fe9/e91 & 
,mrs4 ,box]7 introduc$ ! foll[+ bill2   
:i* 0 read twice & ref]r$ to !          
,committee on ,bank+1 ,h\s+1 & ,urban   
,affairs  ,a ,,bill  ,to am5d ! ,equal  
,cr$it ,opportunity ,act to prohibit    
discrim9ation on acc\nt ( sexual        
ori5tation or g5d] id5tity :5 ext5d+    
cr$it4  #a4 ,%ort title ,?is ,act may be
 cit$ z ! ,fre$om f ,discrim9ation 9    
,cr$it ,act ( #bjae4  #b4 ,prohibition  
aga9/ discrim9ation on acc\nt ( sexual  
ori5tation or g5d] id5tity ,subsection  
7a77#a7 ( section #gja ( ! ,equal ,cr$it
 ,opportunity ,act 7#ae ,u4,s4,c4 #afia7
 is am5d$ by /rik+ on ! basis ( race1   
color1 religion1 national orig91 sex or 
m>ital /atus1 & ins]t+ 1 actual or      
p]ceiv$1 on ! basis ( race1 color1      

religion1 national orig91 sex1 sexual   
ori5tation1 g5d] id5tity1 or m>ital     
/atus14  #c4 ,def9itions ,section #gjb (
 ! ,equal ,cr$it ,opportunity ,act 7#ae 
,u4,s4,c4 #afia;a7 is am5d$--  7#a7 by  
/rik+ subsections 7f7 & 7g72 &  7#b7 by 
ins]t+ aft] subsection 7e7 ! foll[+ new 
subsections3  7f7 ,! t]m g5d] id5tity   
means ! g5d]-relat$ id5tity1 appe>ance1 
or mann]isms or o!r g5d]-relat$         
*>act]i/ics ( an individual1 ) or )\t   
reg>d to ! individual's designat$ sex at
 bir?4  7g7 ,! t]m p]son means a natural
 p]son1 a corporation1 gov]nm5t or      
gov]nm5tal subdivision or ag5cy1 tru/1  
e/ate1 p>tn]%ip1 coop]ative1 or         
association4  7h7 ,! t]m sexual         
ori5tation means homosexuality1         
het]osexuality1 or bisexuality4  7i7    
,any ref]5ce to any requirem5t impos$ "u
 ?is title or any provision ( ?is title 
%all be deem$ to include a ref]5ce to ! 
regulations ( ! ,bureau "u ?is title or 
! provision ( ?is title 9 "q4  4