,,ii  #aaf? ,,congress  #b;d ,session   
,s4 #cfci  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,may #g1 #bjbj ,mr4    
,pet]s 7= himself & ,mr4 ,cornyn7       
introduc$ ! foll[+ bill2 :i* 0 read     
twice & ref]r$ to ! ,committee on       
,bank+1 ,h\s+1 & ,urban ,affairs  ,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 (     
#bjbj4  #b4 ,disc\nt on mortgage        
insurance premium paym5ts = fir/-"t     
homebuy]s :o complete f9ancial lit]acy  
h\s+ c\nsel+ programs ,! second s5t5ce (
 section #bjc7;c77#b77;,a7 ( ! ,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 ( ! mortgage4
 & ins]t+ be1 9 ! case ( a mortgage     
insur$ dur+ ! #d-ye> p]iod beg9n+ on !  

date t is #a ye> aft] ! date ( enactm5t 
( ! ,h\s+ ,f9ancial ,lit]acy ,act (     
#bjbj1 #be basis po9ts l[] ?an ! premium
 paym5t am\nt e/abli%$ by ! ,secret>y "u
 ! fir/ s5t5ce ( ?is subp>agraph1 &1 9 !
 case ( a mortgage insur$ aft] t #d-ye> 
p]iod1 set by ! ,secret>y at a numb] (  
basis po9ts l[] ?an t premium paym5t    
am\nt t corresponds to ! r$uc$ risk (   
loss1 if any1 due to ! c\nsel+44