,,ii  #aaeth ,,congress  #ast ,session  
,s4 #acaj  ,,in ,,the ,,senate ,,of     
,,the ,,united ,,states  ,june #g1      
#bjag,mr4 ,rounds 7for himself1 ,ms4    
,heitkamp1 ,mr4 ,tester1 ,mr4 ,hoeven1  
,mr4 ,donnelly1 and ,mr4 ,kennedy7      
introduced the following bill2 which was
 read twice and referred to the         
,committee on ,banking1 ,housing1 and   
,urban ,affairs  ,a ,,bill  ,to amend   
the ,home ,mortgage ,disclosure ,act of 
#aige to specify which depository       
institutions are subject to the         
maintenance of records and disclosure   
requirements of such ,act1 and for other
 purposes4  #a4 ,short title ,this ,act 
may be cited as the ,home ,mortgage     
,disclosure ,adjustment ,act4  #b4      
,depository institutions subject to     
maintenance of records and disclosure   
requirements  7a7 ,in general ,section  
#cjd of the ,home ,mortgage ,disclosure 
,act of #aige 7#ab ,u4,s4,c4 #bhjc7 is  
amended-- 7#a7 by redesignating         
subsection 7i7 as paragraph 7#c7 and    

adjusting the margins accordingly2 and  
7#b7 by inserting before paragraph 7#c71
 as so redesignated1 the following3  7i7
 ,exemptions  7#a7 ,closed-end mortgage 
loans ,with respect to a depository     
institution1 the requirements of        
paragraphs 7#e7 and 7#f7 of subsection  
7b7 shall not apply with respect to     
closed-end mortgage loans if the        
depository institution originated less  
than #ejj closed-end mortgage loans in  
each of the #b preceding calendar years4
  7#b7 ,open-end lines of credit ,with  
respect to a depository institution1 the
 requirements of paragraphs 7#e7 and    
7#f7 of subsection 7b7 shall not apply  
with respect to open-end lines of credit
 if the depository institution          
originated less than #ejj open-end lines
 of credit in each of the #b preceding  
calendar years4  4  7b7 ,technical      
correction ,section #cjd7;i77#c7 of the 
,home ,mortgage ,disclosure ,act of     
#aige1 as so redesignated by subsection 
7a77#a71 is amended by striking section 

#cjc7b77;,a7 and inserting section      
#cjc7c77;,a74