,,ii  #aae? ,,congress  #a/ ,session    
,s4 #hch  ,,9 ,,! ,,s5ate ,,( ,,!       
,,unit$ ,,/ates  ,april #e 7legislative 
day1 ,april #d71 #bjag ,mr4 ,cotton 7=  
himself1 ,mr4 ,boozman1 & ,mr4 ,rubio7  
introduc$ ! foll[+ bill2 :i* 0 read     
twice & ref]r$ to ! ,committee on       
,bank+1 ,h\s+1 & ,urban ,affairs  ,a    
,,bill  ,to am5d ! ,tru? 9 ,l5d+ ,act to
 include retr(it loans su* z prop]ty    
assess$ clean en]gy loans1 & = o!r      
purposes4  #a4 ,%ort title ,?is ,act may
 be cit$ z ! ,protect+ ,am]icans f      
,cr$it ,entanglem5ts ,act ( #bjag or !  
,,pace ,act ( #bjag4  #b4 ,real prop]ty 
retr(it loans  7a7 ,9 g5]al ,section    
#ajc ( ! ,tru? 9 ,l5d+ ,act 7#ae        
,u4,s4,c4 #afjb7 is am5d$--  7#a7 9     
subsection 7g71 9 ! la/ s5t5ce1 by      
ins]t+ & a p]son :o l5ds money to       
consum]s = real prop]ty retr(it loans   
be=e = purposes2  7#b7 by r$esignat+    
subsection 7cc7 7relat+ to def9itions   
relat+ to mortgage orig9ation &         
resid5tial mortgage loans7 & 7dd7 z     

subsections 7dd7 & 7ee71 respectively2  
7#c7 9 subsection 7dd77#e71 z           
r$esignat$1 by ins]t+ 1 includ+ a real  
prop]ty retr(it loan1 be=e o!r ?an2 &   
7#d7 add+ at ! end ! foll[+3  7ff7 ,!   
t]m consum] cr$it transaction includes a
 real prop]ty retr(it loan ext5d$ to a  
consum]4  7gg7 ,! t]m real prop]ty      
retr(it loan means a f9anc+ in/rum5t--  
7#a7 secur$ by an int]e/ 9 real prop]ty2
  7#b7 t is repayable 9 in/allm5ts ?r\gh
 paym5ts made concurr5tly ) ! paym5t (  
prop]ty taxes on ! real prop]ty2 &  7#c7
 t is us$ to f9ance real prop]ty        
improvem5ts or retr(its1 includ+ prop]ty
 assess$ clean en]gy loans or o!r loans 
repaid ?r\gh ! prop]ty tax sy/em = !    
purposes ( en]gy effici5cy upgrades1    
r5ewable en]gy in/allations1 w9dpro(+ or
 seismic retr(its1 wat] cons]vation     
upgrades1 septic tanks1 or o!r real     
prop]ty improvem5ts or retr(its to a    
p>ticul> p>cel ( real prop]ty4  4  7b7  
,real prop]ty retr(it loan disclosure   
,section #abh ( ! ,tru? 9 ,l5d+ ,act    

7#ae ,u4,s4,c4 #afch7 is am5d$ by add+  
at ! end ! foll[+3  7g7 ,real prop]ty   
retr(it loan disclosure ,be=e ext5d+ a  
real prop]ty retr(it loan1 ! cr$itor    
%all provide a disclosure /atem5t       
expla9+ t ! real prop]ty retr(it loan w 
result 9 a li5 on ! real prop]ty secur+ 
! loan4  4