,,ii  #aaf? ,,congress  #a/ ,session    
,s4 #edj  ,,9 ,,! ,,s5ate ,,( ,,!       
,,unit$ ,,/ates  ,febru>y #be1 #bjai,mr4
 ,w>n] 7= himself1 ,mr4 ,r\nds1 & ,mr4  
,book]7 introduc$ ! foll[+ bill2 :i* 0  
read twice & ref]r$ to ! ,committee on  
,bank+1 ,h\s+1 & ,urban ,affairs  ,a    
,,bill  ,to provide m9imum /&>ds =      
transactions secur$ by a dwell+1 & = o!r
 purposes4  #a4 ,%ort title ,?is ,act   
may be cit$ z ! ,self-,employ$ ,mortgage
 ,access ,act ( #bjai4  #b4 ,ability to 
repay  7a7 ,def9itions ,9 ?is section-- 
7#a7 ! t]m ,app5dix ,q means ,app5dix ,q
 to "p #ajbf ( title #ab1 ,code ( ,f$]al
 ,regulations2  7#b7 ! t]m ,bureau means
 ! ,bureau ( ,consum] ,f9ancial         
,protection2  7#c7 ! t]ms consum] &     
cr$itor h ! mean+s giv5 ^? t]ms 9       
section #ajbf4b ( title #ab1 ,code (    
,f$]al ,regulations2  7#d7 ! t]m        
ent]prise has ! mean+ giv5 ! t]m 9      
section #acjc ( ! ,f$]al ,h\s+          
,ent]prises ,f9ancial ,safety &         
,s\ndness ,act ( #aiib 7#ab ,u4,s4,c4   

#dejb72 &  7#e7 ! t]m ,f$]al ,home ,loan
 ,bank has ! mean+ giv5 ! t]m 9 section 
#b ( ! ,f$]al ,home ,loan ,bank ,act    
7#ab ,u4,s4,c4 #adbb74  7b7 ,det]m9ation
 ( cr$itor requirem5ts ,n lat] ?an #a   
ye> aft] ! date ( enactm5t ( ?is ,act1 !
 ,bureau %all am5d section #ajbf4dc (   
title #ab1 ,code ( ,f$]al ,regulations1 
to provide t1 ) respect to any cr$itor  
requirem5ts "u clauses 7v7 & 7vi7 (     
subsection 7e77#b7 ( t section1 !       
cr$itor may1 9 satisfy+ ^? requirem5ts1 
rely on--  7#a7 ! /&>ds "u ,app5dix ,q2 
or  7#b7 a guide or h&book t--  7,a7    
provides /&>ds ) respect to det]m9+     
income & debt2 &  7,b7 is ma9ta9$ by--  
7i7 an ent]prise or a ,f$]al ,home ,loan
 ,bank1 subject to ! approval ( ! ,f$]al
 ,h\s+ ,f9ance ,ag5cy2  7ii7 ! ,dep>tm5t
 ( ,h\s+ & ,urban ,developm5t ) respect 
to c>ry+ out a program "u title ,,ii ( !
 ,national ,h\s+ ,act 7#ab ,u4,s4,c4    
#agjg et seq472  7iii7 ! ,dep>tm5t (    
,vet]ans ,affairs2  7iv7 ! ,dep>tm5t (  
,agriculture ) respect to c>ry+ out !   

,d\g ,b]eut] ,section #ejb ,s+le ,family
 ,h\s+ ,loan ,gu>antee ,act 7#db        
,u4,s4,c4 #adgb7;h772 or  7v7 ! ,rural  
,h\s+ ,s]vice4