,,ii  #aaf? ,,congress  #a/ ,session    
,s4 #ajjf  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,april #c1 #bjai,mr4   
,:iteh\se 7= himself1 ,mr4 ,re$1 ,mr4   
,m]kley1 & ,ms4 ,w>r57 introduc$ !      
foll[+ bill2 :i* 0 read twice & ref]r$  
to ! ,committee on ,bank+1 ,h\s+1 &     
,urban ,affairs  ,a ,,bill  ,to am5d !  
,tru? 9 ,l5d+ ,act to emp[] ! ,/ates to 
set ! maximum annual p]c5tage rates     
applicable to consum] cr$it             
transactions1 & = o!r purposes4  #a4    
,%ort title ,?is ,act may be cit$ z !   
,emp[]+ ,/ates' ,rights ,to ,protect    
,consum]s ,act ( #bjai4  #b4 ,limits on 
annual p]c5tage rates ,*apt] #b ( !     
,tru? 9 ,l5d+ ,act 7#ae ,u4,s4,c4 #afca 
et seq47 is am5d$ by add+ at ! end !    
foll[+3  #adj;,b4 ,limits on ,annual    
,p]c5tage ,rates ,not)/&+ any o!r       
provision ( law1 ! annual p]c5tage rate 
applicable to any consum] cr$it         
transaction 7o!r ?an a resid5tial       
mortgage transaction71 includ+ any fees 
associat$ ) su* a transaction1 may n    

exce$ ! maximum rate p]mitt$ by ! laws (
 ! ,/ate 9 :i* ! consum] resides4  4