,,ii  #aae? ,,congress  #a/ ,session    
,s4 #acaj  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,june #g1 #bjag,mr4    
,r\nds 7= himself1 ,ms4 ,heitkamp1 ,mr4 
,te/]1 ,mr4 ,hoev51 ,mr4 ,donnelly1 &   
,mr4 ,k5n$y7 introduc$ ! foll[+ bill2   
:i* 0 read twice & ref]r$ to !          
,committee on ,bank+1 ,h\s+1 & ,urban   
,affairs  ,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