#aaf? ,,congress  #b;d ,session  ,s4    
#cga  ,,an ,,act  ,to provide regulatory
 relief to *>itable organizations t     
provide h\s+ assi/ance1 & = o!r         
purposes4  #a4 ,%ort title ,?is ,act may
 be cit$ z ! ,build+ ,up ,indep5d5t     
,lives & ,dreams ,act or ! ,,build ,act4
  #b4 ,mortgage loan transaction        
disclosure requirem5ts  7a7 ,,tila      
,am5dm5t ,section #aje ( ! ,tru? 9 ,l5d+
 ,act 7#ae ,u4,s4,c4 #afjd7 is am5d$ by 
ins]t+ aft] subsection 7d7 ! foll[+3    
7e7 ,disclosure = *>itable mortgage loan
 transactions ,) respect to a mortgage  
loan transaction involv+ a resid5tial   
mortgage loan (f]$ at #j p]c5t int]e/ ) 
only bonafide & reasonable fees & t is  
prim>ily = *>itable purposes by an      
organization describ$ 9 section         
#eja7;c77#c7 ( ! ,int]nal ,rev5ue ,code 
( #aihf & exempt f taxation "u section  
#eja7;a7 ( su* ,code1 =ms ,,hud-#a &    
,,gfe 7z def9$ "u section #ajbd4b7;b7 ( 
title #ab1 ,code ( ,f$]al ,regulations7 
toge!r ) a disclosure sub/antially 9 !  

=m ( ! ,loan ,model ,=m ,h-#b 7z depict$
 9 ,app5dix ,h to "p #ajbf ( title #ab1 
,code ( ,f$]al ,regulations7 %all1      
collectively1 be an appropriate model =m
 = purposes ( subsection 7b7 ( ?is      
section4  4  7b7 ,,respa am5dm5t        
,section #d ( ! ,real ,e/ate ,settlem5t 
,proc$ures ,act ( #aigd 7#ab ,u4,s4,c4  
#bfjc7 is am5d$ by add+ at ! end !      
foll[+3  7d7 ,disclosure = *>itable     
mortgage loan transactions ,) respect to
 a mortgage loan transaction involv+ a  
resid5tial mortgage loan (f]$ at #j     
p]c5t int]e/ ) only bonafide &          
reasonable fees & t is prim>ily =       
*>itable purposes1 an organization      
describ$ 9 section #eja7;c77#c7 ( !     
,int]nal ,rev5ue ,code ( #aihf & exempt 
f taxation "u section #eja7;a7 ( su*    
,code may use =ms ,,hud-#a & ,,gfe 7z   
def9$ "u section #ajbd4b7;b7 ( title    
#ab1 ,code ( ,f$]al ,regulations7 toge!r
 ) a disclosure sub/antially 9 ! =m ( ! 
,loan ,model ,=m ,h-#b 7z depict$ 9     
,app5dix ,h to "p #ajbf ( title #ab1    

,code ( ,f$]al ,regulations71           
collectively1 9 lieu ( ! disclosure     
publi%$ "u subsection 7a7 ( ?is section4
  4  7c7 ,effective date ,! am5dm5ts    
made by subsections 7a7 & 7b7 %all take 
effect on ! date ( ! enactm5t ( ?is     
,act4  ,pass$ ! ,s5ate ,decemb] #ba1    
#bjbj4,secret>y