,,ib  ,union ,cal5d> ,no4 #hja  #aae?   
,,congress  #b;d ,session  ,h4 ,r4 #begj
  ,report ,no4 #aae-ajbd  ,,9 ,,! ,,h\se
 ,,( ,,repres5tatives  ,may #ai1 #bjag  
,mr4 ,posey introduc$ ! foll[+ bill2 :i*
 0 ref]r$ to ! ,committee on ,f9ancial  
,s]vices  ,novemb] #ad1                 
#bjah;,additional sponsors3 ,mr4 ,ross &
 ,mr4 ,rohraba*]  ,novemb] #ad1 #bjah   
,committ$ to ! ,committee ( ! ,:ole     
,h\se on ! ,/ate ( ! ,union & ord]$ to  
be pr9t$  ,a ,,bill  ,to am5d ! ,tru? 9 
,l5d+ ,act to cl>ify t ! po9ts & fees 9 
connection ) a mortgage loan d n include
 c]ta9 comp5sation am\nts already tak5  
into acc\nt 9 sett+ ! int]e/ rate on su*
 loan1 & = o!r purposes4  #a4 ,%ort     
title ,?is ,act may be cit$ z !         
,mortgage ,fairness ,act ( #bjag4  #b4  
,po9ts & fees ,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]c5tage7 z subsection 7bb72   
7#b7 by r$esignat+ subsection 7bb7      

7relat+ to high co/ mortgages7 z        
subsection 7aa71 & mov+ su* subsection  
to imm$iately foll[ subsection 7z72 &   
7#c7 9 p>agraph 7#d7 ( subsection 7aa71 
z s r$esignat$1 by am5d+ subp>agraph    
7,b7 to read z foll[s3  7,b7 all        
comp5sation f any s\rce 7o!r ?an        
comp5sation tak5 into acc\nt 9 sett+ !  
int]e/ rate & = :i* !re is no sep>ate   
*>ge to ! consum]7 paid directly or     
indirectly by a consum] or cr$itor to-- 
7i7 a mortgage orig9ator1 includ+ a     
mortgage orig9ator t is also ! cr$itor 9
 a table-fund$ transaction2 or  7ii7 an 
individual employ$ by or contract+ ) !  
orig9ator or a mortgage orig9ator2  4   
,novemb] #ad1 #bjah ,committ$ to !      
,committee ( ! ,:ole ,h\se on ! ,/ate ( 
! ,union & ord]$ to be pr9t$