,i  #aae? ,,congress  #a/ ,session  ,h4 
,r4 #bfig  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,may #be1 #bjag,mr4   
,kildee introduc$ ! foll[+ bill2 :i* 0  
ref]r$ to ! ,committee on ,arm$ ,s]vices
  ,a ,,bill  ,to am5d title #aj1 ,unit$ 
,/ates ,code1 to require additional     
disclosures by cr$itors :5 l5d+ to      
memb]s ( ! ,arm$ ,=ces & _! dep5d5ts1 & 
= o!r purposes4  #a4 ,%ort title ,?is   
,act may be cit$ z ! ,transp>5cy 9      
,milit>y ,l5d+ ,act ( #bjag4  #b4       
,transp>5cy 9 l5d+ to memb]s ( ! ,arm$  
,=ces & _! dep5d5ts  7a7 ,transp>5cy &  
disclosures ,section #ihg7;c7 ( title   
#aj1 ,unit$ ,/ates ,code1 is am5d$ by   
add+ at ! end ! foll[+ new p>agraph3    
7#c7 ,additional disclosures  7,a7 ,9   
g5]al ,) respect to any ext5sion (      
consum] cr$it describ$ 9 p>agraph 7#a71 
a cr$itor %all provide to ! memb] or    
dep5d5t ea* ( ! foll[+ pieces (         
in=mation1 orally & 9 writ+3  7i7 ,a    
/atem5t t ! ,dep>tm5t ( ,def5se & ea*   
s]vice bran* (f]s a v>iety ( f9ancial   

c\nsel+ s]vices4  7ii7 ,a /atem5t t o!r1
 l[] int]e/ rate loans1 includ+         
pot5tially #j p]c5t int]e/ loans1 may be
 available ?r\gh o!r f9ancial           
in/itutions & milit>y relief societies4 
7iii7 ,contact in=mation = ! ne>e/      
,dep>tm5t ( ,def5se f9ancial c\nsel+    
(fice4  7iv7 ,a /atem5t ( ! actual co/ (
 ! ext5sion ( cr$it1 prep>$ z an        
amortization table %[+ :at ! co/ to !   
memb] or dep5d5t w be if ! ext5sion (   
cr$it is paid (f at diff]5t po9ts ov]   
"t4  7,b7 ,=mat ( disclosures ,! writt5 
disclosures requir$ "u clauses 7i71     
7ii71 & 7iii7 ( subp>agraph 7,a7 %all be
 provid$ on s+le %eet ( pap] & be 9 a   
bold1 #ad-po9t font4  7,c7 ,sign$       
ackn[l$gm5t ,) respect to any ext5sion (
 consum] cr$it describ$ "u p>agraph     
7#a71 a cr$itor may n issue ! cr$it     
unless ! memb] or dep5d5t signs a       
sep>ate ackn[l$gm5t next to ea* piece ( 
in=mation describ$ 9 p>agraph 7#c77;,a7 
ackn[l$g+ t ! memb] or dep5d5t has read 
ea* piece ( in=mation4  7,d7 ,li/ (     

f9ancial c\nsel+ (fices ,! ,secret>y (  
,def5se %all prep>e a li/ ( ,dep>tm5t ( 
,def5se f9ancial c\nsel+ (fices & make !
 li/ available to cr$itors & ! public4  
7,e7 ,transp>5cy = payday loans &       
vehicle loans ,9 ?is p>agraph1 ! t]m    
consum] cr$it %all include payday loans 
& vehicle title loans z ^? t]ms 7 def9$ 
9 section #bcb4c ( title #cb1 ,code (   
,f$]al ,regulations1 z 9 effect on ,july
 #a1 #bjae4  4