,i  #aae? ,,congress  #a/ ,session  ,h4 
,r4 #bied  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,june #bj1 #bjag,mr4  
,emm] 7= himself & ,mr4 ,luetkemey]7    
introduc$ ! foll[+ bill2 :i* 0 ref]r$ to
 ! ,committee on ,f9ancial ,s]vices  ,a 
,,bill  ,to am5d ! ,home ,mortgage      
,disclosure ,act ( #aige to specify :i* 
depository in/itutions are subject to ! 
ma9t5ance ( records & disclosure        
requirem5ts ( su* ,act1 & = o!r         
purposes4  #a4 ,%ort title ,?is ,act may
 be cit$ z ! ,home ,mortgage ,disclosure
 ,adju/m5t ,act4  #b4 ,depository       
in/itutions subject to ma9t5ance (      
records & disclosure requirem5ts  7a7   
,loan volume ?re%old ,section #cjd ( !  
,home ,mortgage ,disclosure ,act ( #aige
 7#ab ,u4,s4,c4 #bhjc7 is am5d$--  7#a7 
by r$esignat+ subsection 7i7 z p>agraph 
7#b7 & adju/+ ! m>g9 appropriately2 &   
7#b7 by ins]t+ be=e su* p>agraph 7#b7 ! 
foll[+3  7i7 ,exemptions  7#a7 ,9 g5]al 
,) respect to a depository in/itution1 !
 requirem5ts ( subsections 7a7 & 7b7    

%all n apply--  7,a7 ) respect to       
clos$-end mortgage loans1 if su*        
depository in/itution orig9at$ less ?an 
#a1jjj clos$-end mortgage loans 9 ea* ( 
! two prec$+ cal5d> ye>s2 &  7,b7 )     
respect to op5-end l9es ( cr$it1 if su* 
depository in/itution orig9at$ less ?an 
#b1jjj op5-end l9es ( cr$it 9 ea* ( !   
two prec$+ cal5d> ye>s4  4  7b7         
,te*nical correction ,section           
#cjd7;i77#b7 ( su* ,act1 z r$esignat$ by
 subsection 7a71 is am5d$ by /rik+      
section #cjc7b77;,a7 & ins]t+ section   
#cjc7c77;,a74  7c7 ,data po9ts ,section 
#cjd7;b7 ( ! ,home ,mortgage ,disclosure
 ,act ( #aige 7#ab ,u4,s4,c4 #bhjc7;b77 
is am5d$--  7#a7 by /rik+ p>agraphs 7#e7
 & 7#f72  7#b7 9 p>agraph 7#c71 by      
ins]t+ & at ! end2 &  7#c7 9 p>agraph   
7#d71 by /rik+ age44