,,ib  ,union ,cal5d> ,no4 #cjh  #aae?   
,,congress  #a/ ,session  ,h4 ,r4 #afii 
,report ,no4 #aae-daf  ,,9 ,,! ,,h\se   
,,( ,,repres5tatives  ,m>* #bc1 #bjag   
,mr4 ,b>r 7= himself1 ,ms4 ,s9ema1 ,ms4 
,sewell ( ,alabama1 ,mr4 ,poliqu91 ,mr4 
,ku/(f ( ,t5nessee1 & ,miss ,rice ( ,new
 ,york7 introduc$ ! foll[+ bill2 :i* 0  
ref]r$ to ! ,committee on ,f9ancial     
,s]vices  ,novemb] #ba1 #bjag           
,additional sponsors3 ,mr4 ,palazzo1    
,mr4 ,holl+swor?1 ,mr4 ,duncan ( ,s\?   
,c>ol9a1 ,mr4 ,kelly ( ,mississippi1    
,mr4 ,williams1 ,mr4 ,byrne1 ,mr4       
,?ompson ( ,p5nsylvania1 ,mr4 ,h>p]1    
,mr4 ,mooney ( ,we/ ,virg9ia1 ,mr4      
,mc,kinley1 ,mr4 ,ro?fus1 ,mr4 ,j5k9s ( 
,we/ ,virg9ia1 ,mr4 ,sessions1 ,mr4     
,ad]holt1 ,mr4 ,rog]s ( ,alabama1 ,mrs4 
,walorski1 ,mrs4 ,roby1 ,mr4 ,de,fazio1 
,mr4 ,b>ton1 ,mr4 ,fleis*mann1 ,mr4     
,russell1 ,mrs4 ,blackburn1 ,mr4 ,duncan
 ( ,t5nessee1 ,mr4 ,brid5/9e1 ,mr4 ,roe 
( ,t5nessee1 ,mr4 ,franks ( ,arizona1   
,mr4 ,flores1 ,mr4 ,cole1 ,mr4 ,mull91  

,mr4 ,o',hall]an1 ,mr4 ,lucas1 ,mr4     
,des,jarlais1 ,mr4 ,ratcliffe1 ,mr4     
,g>rett1 ,ms4 ,mc,sally1 ,mr4 ,walb]g1  
,mr4 ,gallagh]1 ,mr4 ,biggs1 ,mr4 ,buck1
 ,mr4 ,s*weik]t1 ,mr4 ,wittman1 ,mr4    
,de,santis1 ,mr4 ,goodlatte1 ,mr4 ,gos>1
 ,mr4 ,poe ( ,texas1 ,mr4 ,knight1 ,mr4 
,d5t1 ,mr4 ,e/es ( ,kansas1 ,mr4 ,sam   
,johnson ( ,texas1 ,mr4 ,rokita1 ,mr4   
,pet]s1 ,mr4 ,mit*ell1 ,mr4 ,mess]1 ,mr4
 ,massie1 ,mrs4 ,brooks ( ,indiana1 ,mr4
 ,got!im]1 ,mr4 ,banks ( ,indiana1 ,mr4 
,buc%on1 ,mr4 ,mool5a>1 & ,mr4 ,com]    
,novemb] #ba1 #bjag ,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/ 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  ,novemb] #ba1    

#bjag ,committ$ to ! ,committee ( !     
,:ole ,h\se on ! ,/ate ( ! ,union &     
ord]$ to be pr9t$