,i  #aae? ,,congress  #a/ ,session  ,h4 
,r4 #aieh  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,april #e1 #bjag,mr4  
,%]man 7= himself & ,mr4 ,royce (       
,cali=nia7 introduc$ ! foll[+ bill2 :i* 
0 ref]r$ to ! ,committee on ,f9ancial   
,s]vices  ,a ,,bill  ,to am5d ! ,tru? 9 
,l5d+ ,act to include retr(it loans su* 
z prop]ty assess$ clean en]gy loans1 & =
 o!r purposes4  #a4 ,%ort title ,?is    
,act may be cit$ z ! ,protect+ ,am]icans
 f ,cr$it ,entanglem5ts ,act ( #bjag or 
! ,,pace ,act ( #bjag4  #b4 ,real       
prop]ty retr(it loans  7a7 ,9 g5]al     
,section #ajc ( ! ,tru? 9 ,l5d+ ,act    
7#ae ,u4,s4,c4 #afjb7 is am5d$--  7#a7 9
 subsection 7g71 9 ! la/ s5t5ce1 by     
ins]t+ & a p]son :o l5ds money to       
consum]s = real prop]ty retr(it loans   
be=e = purposes2  7#b7 by r$esignat+    
subsection 7cc7 7relat+ to def9itions   
relat+ to mortgage orig9ation &         
resid5tial mortgage loans7 & 7dd7 z     
subsections 7dd7 & 7ee71 respectively2 &
  7#c7 add+ at ! end ! foll[+3  7ff7 ,! 

t]m consum] cr$it transaction includes a
 real prop]ty retr(it loan ext5d$ to a  
consum]4  7gg7 ,! t]m real prop]ty      
retr(it loan means a f9anc+ in/rum5t--  
7#a7 secur$ by an int]e/ 9 real prop]ty2
  7#b7 t is repayable 9 in/allm5ts ?r\gh
 paym5ts made concurr5tly ) ! paym5t (  
prop]ty taxes on ! real prop]ty2 &  7#c7
 t is us$ to f9ance real prop]ty        
retr(its1 includ+ prop]ty assess$ clean 
en]gy loans = ! purposes ( en]gy        
effici5cy upgrades1 r5ewable en]gy      
in/allations1 w9dpro(+ or seismic       
retr(its1 wat] cons]vation upgrades1    
septic tanks1 or o!r simil> real prop]ty
 improvem5ts or retr(its to a p>ticul>  
p>cel ( prop]ty4  4  7b7 ,real prop]ty  
retr(it loan disclosure ,section #abh ( 
! ,tru? 9 ,l5d+ ,act 7#ae ,u4,s4,c4     
#afch7 is am5d$ by add+ at ! end !      
foll[+3  7g7 ,real prop]ty retr(it loan 
disclosure ,at ! "t ( application = a   
real prop]ty retr(it loan1 ! cr$itor    
%all disclose t ! real prop]ty retr(it  
loan w result 9 a li5 on ! real prop]ty 

secur+ ! loan  4