#aae? ,,congress  #a/ ,session  ,h4 ,r4 
#afii  ,,an ,,act  ,to am5d ! ,tru? 9   
,l5d+ ,act to modify ! def9itions ( a   
mortgage orig9ator & a high-co/         
mortgage1 to am5d ! ,secure & ,fair     
,en=cem5t = ,mortgage ,lic5s+ ,act (    
#bjjh to modify ! def9ition ( a loan    
orig9ator1 & = o!r purposes4  #a4 ,%ort 
title ,?is ,act may be cit$ z ! ,pres]v+
 ,access to ,manufactur$ ,h\s+ ,act (   
#bjag4  #b4 ,mortgage & loan orig9ator  
def9itions  7a7 ,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  7b7 ,loan orig9ator  
def9ition ,section #aejc7d77;,a7 ( !    
,secure & ,fair ,en=cem5t = ,mortgage   
,lic5s+ ,act ( #bjjh 7#ab ,u4,s4,c4     
#eajb7d77;,a77 is am5d$-- 7#a7 9 clause 
7iii71 by /rik+ & at ! end2  7#b7 9     
clause 7iv71 by /rik+ ! p]iod at ! end &
 ins]t+ 2 &2 &  7#c7 by add+ at ! end ! 
foll[+3  7v7 does n include a retail] ( 
manufactur$ or modul> homes or its      
employees unless su* retail] or its     
employees receive comp5sation or ga9 =  
engag+ 9 activities describ$ 9 clause   
7i7 t is 9 excess ( any comp5sation or  
ga9 receiv$ 9 a comp>able ca%           
transaction4  4  #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 not)/&+
 subclauses 7,i7 & 7,,ii71 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  ,pass$ ! ,h\se ( 
,repres5tatives ,decemb] #a1            
#bjag4;,cl]k4