,,ib  ,union ,calendar ,no4 #cjh  #aaeth
 ,,congress  #ast ,session  ,h4 ,r4     
#afii  ,report ,no4 #aae-daf  ,,in ,,the
 ,,house ,,of ,,representatives  ,march 
#bc1 #bjag ,mr4 ,barr 7for himself1 ,ms4
 ,sinema1 ,ms4 ,sewell of ,alabama1 ,mr4
 ,poliquin1 ,mr4 ,kustoff of ,tennessee1
 and ,miss ,rice of ,new ,york7         
introduced the following bill2 which was
 referred to the ,committee on          
,financial ,services  ,november #ba1    
#bjag ,additional sponsors3 ,mr4        
,palazzo1 ,mr4 ,hollingsworth1 ,mr4     
,duncan of ,south ,carolina1 ,mr4 ,kelly
 of ,mississippi1 ,mr4 ,williams1 ,mr4  
,byrne1 ,mr4 ,thompson of ,pennsylvania1
 ,mr4 ,harper1 ,mr4 ,mooney of ,west    
,virginia1 ,mr4 ,mc,kinley1 ,mr4        
,rothfus1 ,mr4 ,jenkins of ,west        
,virginia1 ,mr4 ,sessions1 ,mr4         
,aderholt1 ,mr4 ,rogers of ,alabama1    
,mrs4 ,walorski1 ,mrs4 ,roby1 ,mr4      
,de,fazio1 ,mr4 ,barton1 ,mr4           
,fleischmann1 ,mr4 ,russell1 ,mrs4      
,blackburn1 ,mr4 ,duncan of ,tennessee1 

,mr4 ,bridenstine1 ,mr4 ,roe of         
,tennessee1 ,mr4 ,franks of ,arizona1   
,mr4 ,flores1 ,mr4 ,cole1 ,mr4 ,mullin1 
,mr4 ,o',halleran1 ,mr4 ,lucas1 ,mr4    
,des,jarlais1 ,mr4 ,ratcliffe1 ,mr4     
,garrett1 ,ms4 ,mc,sally1 ,mr4 ,walberg1
 ,mr4 ,gallagher1 ,mr4 ,biggs1 ,mr4     
,buck1 ,mr4 ,schweikert1 ,mr4 ,wittman1 
,mr4 ,de,santis1 ,mr4 ,goodlatte1 ,mr4  
,gosar1 ,mr4 ,poe of ,texas1 ,mr4       
,knight1 ,mr4 ,dent1 ,mr4 ,estes of     
,kansas1 ,mr4 ,sam ,johnson of ,texas1  
,mr4 ,rokita1 ,mr4 ,peters1 ,mr4        
,mitchell1 ,mr4 ,messer1 ,mr4 ,massie1  
,mrs4 ,brooks of ,indiana1 ,mr4         
,gottheimer1 ,mr4 ,banks of ,indiana1   
,mr4 ,bucshon1 ,mr4 ,moolenaar1 and ,mr4
 ,comer  ,november #ba1 #bjag ,committed
 to the ,committee of the ,whole ,house 
on the ,state of the ,union and ordered 
to be printed  ,a ,,bill  ,to amend the 
,truth in ,lending ,act to modify the   
definitions of a mortgage originator and
 a high-cost mortgage1 to amend the     
,secure and ,fair ,enforcement for      

,mortgage ,licensing ,act of #bjjh to   
modify the definition of a loan         
originator1 and for other purposes4  #a4
 ,short title ,this ,act may be cited as
 the ,preserving ,access to             
,manufactured ,housing ,act of #bjag4   
#b4 ,mortgage and loan originator       
definitions  7a7 ,mortgage originator   
definition ,section #ajc of the ,truth  
in ,lending ,act 7#ae ,u4,s4,c4 #afjb7  
is amended--  7#a7 by redesignating the 
second subsection 7cc7 and subsection   
7dd7 as subsections 7dd7 and 7ee71      
respectively2 and  7#b7 in paragraph    
7#b77;,c7 of subsection 7dd71 as so     
redesignated1 by striking an employee of
 a retailer of manufactured homes who is
 not described in clause 7i7 or 7iii7 of
 subparagraph 7,a7 and who does not     
advise a consumer on loan terms         
7including rates1 fees1 and other costs7
 and inserting a retailer of            
manufactured or modular homes or its    
employees unless such retailer or its   
employees receive compensation or gain  

for engaging in activities described in 
subparagraph 7,a7 that is in excess of  
any compensation or gain received in a  
comparable cash transaction4  7b7 ,loan 
originator definition ,section          
#aejc7d77;,a7 of the ,secure and ,fair  
,enforcement for ,mortgage ,licensing   
,act of #bjjh 7#ab ,u4,s4,c4            
#eajb7d77;,a77 is amended--  7#a7 in    
clause 7iii71 by striking and at the    
end2  7#b7 in clause 7iv71 by striking  
the period at the end and inserting 2   
and2 and  7#c7 by adding at the end the 
following3  7v7 does not include a      
retailer of manufactured or modular     
homes or its employees unless such      
retailer or its employees receive       
compensation or gain for engaging in    
activities described in clause 7i7 that 
is in excess of any compensation or gain
 received in a comparable cash          
transaction4  4  #c4 ,high-,cost        
mortgage definition ,section #ajc of the
 ,truth in ,lending ,act 7#ae ,u4,s4,c4 
#afjb7 is amended-- 7#a7 by             

redesignating subsection 7aa7 7relating 
to disclosure of greater amount or      
percentage71 as so designated by section
 #aajj;,a of the ,consumer ,financial   
,protection ,act of #bjaj1 as subsection
 7bb72  7#b7 by redesignating subsection
 7bb7 7relating to high-cost mortgages71
 as so designated by section #aajj;,a of
 the ,consumer ,financial ,protection   
,act of #bjaj1 as subsection 7aa71 and  
moving such subsection to immediately   
follow subsection 7z72 and  7#c7 in     
subsection 7aa77#a77;,a71 as so         
redesignated-- 7,a7 in clause 7i77,i71  
by striking 7#h4e percentage points1 if 
the dwelling is personal property and   
the transaction is for less than        
#ej1jjj7 and inserting 7#aj percentage  
points if the dwelling is personal      
property or is a transaction that does  
not include the purchase of real        
property on which a dwelling is to be   
placed1 and the transaction is for less 
than #ge1jjj 7as such amount is adjusted
 by the ,bureau to reflect the change in

 the ,consumer ,price ,index772 and     
7,b7 in clause 7ii7-- 7i7 in subclause  
7,i71 by striking or at the end2 and    
7ii7 by adding at the end the following3
  7,,iii7 notwithstanding subclauses    
7,i7 and 7,,ii71 in the case of a       
transaction for less than #ge1jjj 7as   
such amount is adjusted by the ,bureau  
to reflect the change in the ,consumer  
,price ,index7 in which the dwelling is 
personal property 7or is a consumer     
credit transaction that does not include
 the purchase of real property on which 
a dwelling is to be placed7 the greater 
of #e percent of the total transaction  
amount or #c1jjj 7as such amount is     
adjusted by the ,bureau to reflect the  
change in the ,consumer ,price ,index72 
or  4  ,november #ba1 #bjag ,committed  
to the ,committee of the ,whole ,house  
on the ,state of the ,union and ordered 
to be printed