,,ib  ,union ,cal5d> ,no4 #cei  #aae?   
,,congress  #b;d ,session  ,h4 ,r4 #bied
  ,report ,no4 #aae-dhe  ,,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  ,janu>y #h1         
#bjah;,additional sponsors3 ,mr4 ,duffy1
 ,mr4 ,hill1 ,mr4 ,latta1 ,mr4 ,arr+ton1
 ,mr4 ,smi? ( ,nebraska1 & ,mr4 ,ross   
,janu>y #h1 #bjah ,report$ ) an am5dm5t1
 committ$ to ! ,committee ( ! ,:ole     
,h\se on ! ,/ate ( ! ,union1 & ord]$ to 
be pr9t$ ,/rike out all aft] ! enact+   
clause & ins]t ! "p pr9t$ 9 italic ,=   
text ( introduc$ bill1 see copy ( bill z
 introduc$ on ,june #bj1 #bjag  ,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 ,9
 g5]al ,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#c7 & adju/+ 
! m>g9s accord+ly2 &  7#b7 by ins]t+    
be=e p>agraph 7#c71 z s r$esignat$1 !   
foll[+3  7i7 ,exemptions  7#a7          
,clos$-end mortgage loans ,) respect to 
a depository in/itution1 ! requirem5ts (
 p>agraphs 7#e7 & 7#f7 ( subsection 7b7 
%all n apply ) respect to clos$-end     
mortgage loans if ! depository          
in/itution orig9at$ less ?an #ejj       
clos$-end mortgage loans 9 ea* ( ! #b   
prec$+ cal5d> ye>s4  7#b7 ,op5-end l9es 
( cr$it ,) respect to a depository      
in/itution1 ! requirem5ts ( p>agraphs   
7#e7 & 7#f7 ( subsection 7b7 %all n     
apply ) respect to op5-end l9es ( cr$it 
if ! depository in/itution orig9at$ less
 ?an #ejj op5-end l9es ( cr$it 9 ea* ( !
 #b prec$+ cal5d> ye>s4  4  7b7         

,te*nical correction ,section           
#cjd7;i77#c7 ( ! ,home ,mortgage        
,disclosure ,act ( #aige1 z s r$esignat$
 by subsection 7a77#a71 is am5d$ by     
/rik+ section #cjc7b77;,a7 & ins]t+     
section #cjc7c77;,a74  ,janu>y #h1 #bjah
 ,report$ ) an am5dm5t1 committ$ to !   
,committee ( ! ,:ole ,h\se on ! ,/ate ( 
! ,union1 & ord]$ to be pr9t$