,i  #aaf? ,,congress  #a/ ,session  ,h4 
,r4 #bafb  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,april #i1 #bjai,mrs4 
,beatty 7= h]self & ,mr4 ,/iv]s7        
introduc$ ! foll[+ bill2 :i* 0 ref]r$ to
 ! ,committee on ,f9ancial ,s]vices  ,a 
,,bill  ,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$ 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