,i  #aaf? ,,congress  #a/ ,session  ,h4 
,r4 #cada  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,june #e1 #bjai,mr4   
,phillips introduc$ ! foll[+ bill2 :i* 0
 ref]r$ to ! ,committee on ,f9ancial    
,s]vices  ,a ,,bill  ,to limit !        
collection ( annual premiums "u ! ,,fha 
program = mortgage insurance = s+le     
family h\s+1 & = o!r purposes4  #a4     
,%ort title ,?is ,act may be cit$ z !   
,,fha ,loan ,af=dability ,act ( #bjai4  
#b4 ,annual premiums ,p>agraph 7#b7 (   
section #bjc7;c7 ( ! ,national ,h\s+    
,act 7#ab ,u4,s4,c4 #agji7;c77#b77 is   
am5d$--  7#a7 9 subp>agraph 7,b7-- 7,a7 
9 clause 7i71 by /rik+ ,= any & ins]t+  
,subject to subp>agraph 7,d71 = any2 &  
7,b7 9 clause 7ii71 by /rik+ ,= any &   
ins]t+ ,subject to subp>agraph 7,d71 =  
any2  7#b7 9 subp>agraph 7,c77i71 by    
/rik+ ,9 addition & ins]t+ ,subject to  
subp>agraph 7,d71 9 addition2 &  7#c7 by
 add+ at ! end ! foll[+ new subp>agraph3
  7,d7 ,! ,secret>y may n collect any   
annual premiums "u ?is p>agraph )       

respect to a mortgage at any "t t !     
rema9+ insur$ pr9cipal balance 7exclud+ 
! portion ( ! rema9+ balance            
attributable to ! premium collect$ "u   
subp>agraph 7,a77 is #gh p]c5t or less  
?an ! l[] ( 7i7 ! sales price ( ! dwell+
 at ! sale 9 connection ) :i* ! mortgage
 0 made1 or 7ii7 ! apprais$ value ( !   
dwell+ at ! "t ( ! orig9ation ( !       
mortgage4  4