,,ii  #aaeth ,,congress  #b;d ,session  
,s4 #cgag  ,,in ,,the ,,senate ,,of     
,,the ,,united ,,states  ,december #f1  
#bjah ,mr4 ,brown 7for himself and ,mr4 
,rubio7 introduced the following bill2  
which was read twice and referred to the
 ,committee on ,banking1 ,housing1 and  
,urban ,affairs  ,a ,,bill  ,to amend   
the ,truth in ,lending ,act to prohibit 
certain unfair credit practices1 and for
 other purposes4  #a4 ,short title      
,this ,act may be cited as the ,small   
,business ,lending ,fairness ,act4  #b4 
,credit transactions  7a7 ,in general   
,chapter #b of the ,truth in ,lending   
,act 7#ae ,u4,s4,c4 #afca et seq47 is   
amended by adding at the end the        
following3  #adj;,b4 ,unfair credit     
practices  7a7 ,in general ,in          
connection with the extension of credit 
in or affecting commerce1 as defined in 
section #d of the ,federal ,trade       
,commission ,act 7#ae ,u4,s4,c4 #dd71 no
 creditor may directly or indirectly    
take or receive from a borrower an      

obligation that constitutes or contains 
a cognovit or confession of judgment    
7for purposes other than executory      
process in the ,state of ,louisiana71   
warrant of attorney1 or other waiver of 
the right to notice and the opportunity 
to be heard in the event of suit or     
process thereon4  4  7b7 ,technical and 
conforming amendment ,section #ace of   
the ,truth in ,lending ,act 7#ae        
,u4,s4,c4 #afde7 is amended by striking 
and #acd and inserting #acd1 and        
#adj;,b4