,,ii  #aag? ,,congress  #b;d ,session   
,s4 #djgb  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,april #g1 #bjbb,mr4   
,:iteh\se 7= himself1 ,mr4 ,re$1 ,ms4   
,w>r51 ,mr4 ,m]kley1 & ,mr4 ,s&]s7      
introduc$ ! 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 ( #bjbb4  #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