#aae? ,,congress  #a/ ,session  ,h4 ,r4 
#afid  ,,an ,,act  ,to require          
additional entities to be subject to !  
requirem5ts ( section #eeb ( title #e1  
,unit$ ,/ates ,code 7commonly ref]r$ to 
z ! ,fre$om ( ,in=mation ,act71 & = o!r 
purposes4  #a4 ,%ort title ,?is ,act may
 be cit$ z ! ,fannie & ,fr$die ,op5     
,records ,act ( #bjag4  #b4             
,applicability ( ,,foia  7a7            
,applicability to gov]nm5t sponsor$     
entities 9 cons]vator%ip ,section #eeb (
 title #e1 ,unit$ ,/ates ,code 7commonly
 ref]r$ to z ! ,fre$om ( ,in=mation     
,act71 is am5d$ by add+ at ! end !      
foll[+ new subsection3  7n7  7#a7 ,?is  
section %all apply to ! ,f$]al ,national
 ,mortgage ,association & ! ,f$]al ,home
 ,loan ,mortgage ,corporation dur+ any  
p]iod ei!r su* ent]prise is "u          
cons]vator%ip or receiv]%ip pursuant to 
section #acfg ( ! ,f$]al ,h\s+          
,ent]prises ,f9ancial ,safety &         
,s\ndness ,act ( #aiib 7#ab ,u4,s4,c4   
#dfag74  7#b7 ,= purposes ( ?is         

subsection1 ! exemption describ$ 9      
subsection 7b77#d71 relat+ to trade     
secrets & comm]cial or f9ancial         
in=mation1 %all apply )\t reg>d to :e!r 
su* in=mation 0 obta9$ f a p]son outside
 ! ,f$]al ,national ,mortgage           
,association or ! ,f$]al ,home ,loan    
,mortgage ,corporation1 z ! case may be4
  4  7b7 ,rule ( con/ruction ,no?+ 9 ?is
 ,act may be con/ru$ z preclud+ !       
application ( any ( ! exemptions        
describ$ 9 section #eeb ( title #e1     
,unit$ ,/ates ,code1 to subsection 7n7 (
 su* section1 z add$ by subsection 7a74 
7c7 ,effective date2 applicability ,!   
am5dm5t made by subsection 7a7 %all be  
effective on ! date t is six mon?s aft] 
! date ( ! enactm5t ( ?is ,act & %all   
apply ) respect to any reque/ fil$ "u   
section #eeb7;a77#c7 ( title #e1 ,unit$ 
,/ates ,code1 on or aft] su* effective  
date1 relat+ to any record creat$ be=e1 
on1 or aft] ! date ( ! enactm5t ( ?is   
,act4  #c4 ,comm]cial reque/]s ,=       
purposes ( subsection 7n7 ( section #eeb

 ( title #e1 ,unit$ ,/ates ,code1 z add$
 by section #b7;a71 ea* ent]prise       
describ$ 9 su* subsection %all e/abli% a
 fee s*$ule su* t 9 ! fir/ ye> ! fees   
collect$ f reque/s = records int5d$ = a 
comm]cial use cov] ! co/s ( adm9i/]+ su*
 subsection 7n71 :i* %all be e/imat$ z  
#dj1jjj1jjj 9 ! fir/ ye>4 ,9 ea*        
subsequ5t ye>1 ea* su* ent]prise %all   
evaluate :e!r ! fees collect$ "u ! prior
 ye>'s fee s*$ule 7 suffici5t to recov] 
all actual co/s ( adm9i/]+ subsection   
7n7 & revise ! fee s*$ule to recov] !   
co/s ( adm9i/]+ subsection 7n7 9 !      
foll[+ ye> & any out/&+ co/s ( adm9i/]+ 
subsection 7n7 f ! prior ye> n collect$ 
?r\gh fees 9 ! prior ye>4 ,ea* su*      
ent]prise %all make ! revis$ fee s*$ule 
& a detail$ explanation ( ! prior ye>'s 
co/s & projections ( future co/s t 7 us$
 to ju/ify ! fee s*$ule publicly        
available onl9e = #aj days prior to !   
fee s*$ule go+ into effect4  #d4 ,rule (
 con/ruction ,no?+ 9 ?is ,act1 or !     
am5dm5t made by ?is ,act1 may be con/ru$

 z preclud+ or re/rict+ ! disclosure (  
in=mation reg>d+ any propos$ new product
 or significant new product t]m prior to
 loan pur*as+1 or sub/antive negotiation
 ) an int]e/$ p>ty reg>d+ pur*ase (     
loans ) su* new product or significant  
new product t]m4  ,pass$ ! ,h\se (      
,repres5tatives ,april #bg1             
#bjag4;,cl]k4