,,ii  #aag? ,,congress  #a/ ,session    
,s4 #adij  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,april #bi1 #bjba,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 (     
#bjba4  #b4 ,disc\nt on mortgage        
insurance premium paym5ts = fir/-"t     
homebuy]s :o complete f9ancial lit]acy  
h\s+ c\nsel+ programs ,! second s5t5ce (
 subp>agraph 7,a7 ( section #bjc7;c77#b7
 ( ! ,national ,h\s+ ,act 7#ab ,u4,s4,c4
 #agji7;c77#b77;,a77 is am5d$-- 7#a7 by 
ins]t+ be=e ! comma ! foll[+3 & su*     
program is complet$ be=e ! mortgagor has
 sign$ an application = a mortgage to be
 insur$ "u ?is title or a sales         

agreem5t2 &  7#b7 by /rik+ n exce$ #b4ge
 p]c5t ( ! am\nt ( ! orig9al insur$     
pr9cipal obligation ( ! mortgage &      
ins]t+ be #be basis po9ts l[] ?an !     
premium paym5t am\nt e/abli%$ by !      
,secret>y "u ! fir/ s5t5ce ( ?is        
subp>agraph4