#aaf? ,,congress  #b;d ,session  ,h4 ,r4
 #eica  ,,an ,,act  ,to require a review
 ( ! effects ( ,,fha mortgage insurance 
policies1 practices1 & products on      
small-doll> mortgage l5d+1 & = o!r      
purposes4  #a4 ,%ort title ,?is ,act may
 be cit$ z ! ,improv+ ,,fha ,support =  
,small ,doll> ,mortgages ,act ( #bjbj4  
#b4 ,review ( ,,fha small-doll> mortgage
 practices  7a7 ,congressional f9d+s ,! 
,congress f9ds t--  7#a7 af=dable       
home[n]%ip opportunities are be+ h9d]$  
due to ! lack ( f9anc+ available = home 
pur*ases "u #gj1jjj2  7#b7 accord+ to ! 
,urban ,in/itute1 small-doll> mortgage  
loan applications 9 #bjag 7 d5i$ by     
l5d]s at d\ble ! rate ( d5ial = l>ge    
mortgage loans1 & ?is diff]5ce 9 d5ial  
rates _c be fully expla9$ by diff]5ces 9
 ! applicants' cr$it pr(iles2  7#c7     
accord+ to data compil$ by ,attom ,data 
solutions1 small-doll> mortgage         
orig9ations h decreas$ #ch p]c5t s9ce   
#bjji1 :ile !re has be5 a #fe p]c5t     
increase 9 orig9ation ( mortgages = m   

?an #aej1jjj2  7#d7 ! ,,fha's mission is
 to s]ve cr$itwor?y borr[]s :o are      
und]s]v$ &1 accord+ to ! ,urban         
,in/itute1 ! ,,fha s]ves #bd p]c5t ( !  
ov]all m>ket1 b only #ai p]c5t ( !      
small-doll> mortgage m>ket2 &  7#e7 !   
causes beh9d ^! v>iations are n fully   
und]/ood1 b m]it /udy t c\ld assi/ 9    
fur!r+ ! ,dep>tm5t ( ,h\s+ & ,urban     
,developm5t's mission1 includ+ meet+ !  
h\s+ ne$s ( borr[]s ! program is design$
 to s]ve & r$uc+ b>ri]s to home[n]%ip1  
:ile protect+ ! solv5cy ( ! ,mutual     
,mortgage ,insurance ,fund4  7b7 ,review
 ,! ,secret>y ( ,h\s+ & ,urban          
,developm5t %all conduct a review ( its 
,,fha s+le-family mortgage insurance    
policies1 practices1 & products to      
id5tify any b>ri]s or imp$im5ts to      
support+1 facilitat+1 & mak+ available  
mortgage insurance = mortgages hav+ an  
orig9al pr9cipal obligation ( #gj1jjj or
 less4 ,n lat] ?an ! expiration ( !     
#ab-mon? p]iod beg9n+ on ! date ( !     
enactm5t ( ?is ,act1 ! ,secret>y %all   

submit a report to ! ,congress describ+ 
! f9d+s ( su* review & ! actions t !    
,secret>y w take1 )\t adv]sely affect+ !
 solv5cy ( ! ,mutual ,mortgage          
,insurance ,fund1 to remove su* b>ri]s &
 imp$im5ts to provid+ mortgage insurance
 = su* mortgages4  ,pass$ ! ,h\se (     
,repres5tatives ,m>* #b1 #bjbj4;,cl]k4