,,ib  ,union ,cal5d> ,no4 #bbg  #aaf?   
,,congress  #a/ ,session  ,h4 ,r4 #cada 
,report ,no4 #aaf-bhb  ,,9 ,,! ,,h\se   
,,( ,,repres5tatives  ,june #e1 #bjai   
,mr4 ,phillips introduc$ ! foll[+ bill2 
:i* 0 ref]r$ to ! ,committee on         
,f9ancial ,s]vices  ,novemb] #ab1 #bjai 
,report$ ) an am5dm5t1 committ$ to !    
,committee ( ! ,:ole ,h\se on ! ,/ate ( 
! ,union1 & ord]$ to be pr9t$ ,/rike out
 all aft] ! enact+ clause & ins]t ! "p  
pr9t$ 9 italic ,= text ( introduc$ bill1
 see copy ( bill z introduc$ on ,june   
#e1 #bjai  ,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  7a7 ,9 g5]al      
,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  7b7 ,applicability ,!     
am5dm5ts made by subsection 7a7 ( ?is   
section %all apply ) respect only to    
mortgages insur$ by ! ,secret>y ( ,h\s+ 
& ,urban ,developm5t aft] ! date ( !    
enactm5t ( ?is ,act4  ,novemb] #ab1     
#bjai ,report$ ) an am5dm5t1 committ$ to

 ! ,committee ( ! ,:ole ,h\se on ! ,/ate
 ( ! ,union1 & ord]$ to be pr9t$