#aaf? ,,congress  #a/ ,session  ,h4 ,r4 
#bafb  ,,an ,,act  ,to require !        
,secret>y ( ,h\s+ & ,urban ,developm5t  
to disc\nt ,,fha s+le-family mortgage   
insurance premium paym5ts = fir/-"t     
homebuy]s :o complete a f9ancial lit]acy
 h\s+ c\nsel+ program4  #a4 ,%ort title 
,?is ,act may be cit$ z ! ,h\s+         
,f9ancial ,lit]acy ,act ( #bjai4  #b4   
,disc\nt on mortgage insurance premium  
paym5ts = fir/-"t homebuy]s :o complete 
f9ancial lit]acy h\s+ c\nsel+ programs  
,! second s5t5ce ( subp>agraph 7,a7 (   
section #bjc7;c77#b7 ( ! ,national ,h\s+
 ,act 7#ab ,u4,s4,c4 #agji7;c77#b77;,a77
 is am5d$--  7#a7 by ins]t+ be=e ! comma
 ! foll[+3 & su* program is complet$    
be=e ! mortgagor has sign$ an           
application = a mortgage to be insur$ "u
 ?is title or a sales agreem5t2 &  7#b7 
by /rik+ n exce$ #b4ge p]c5t ( ! am\nt (
 ! orig9al insur$ pr9cipal obligation ( 
! mortgage & ins]t+ be #be basis po9ts  
l[] ?an ! premium paym5t am\nt e/abli%$ 
by ! ,secret>y "u ! fir/ s5t5ce ( ?is   

subp>agraph4  ,pass$ ! ,h\se (          
,repres5tatives ,july #i1 #bjai4;,cl]k4