,,ii  #aah? ,,congress  #b;d ,session   
,s4 #didd  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,augu/ #a1 #bjbd,mr4   
,oss(f introduc$ ! foll[+ bill2 :i* 0   
read twice & ref]r$ to ! ,committee on  
,bank+1 ,h\s+1 & ,urban ,affairs  ,a    
,,bill  ,to require multifamily borr[]s 
) f$]ally back$ multifamily mortgage    
loans to submit positive r5tal paym5ts  
to c]ta9 consum] report+ ag5cies4  #a4  
,%ort title ,?is ,act may be cit$ z !   
,access to ,home[n]%ip ,act4  #b4       
,positive r5tal paym5ts ,! ,f$]al ,h\s+ 
,ent]prises ,f9ancial ,safety &         
,s\ndness ,act ( #aiib 7#ab ,u4,s4,c4   
#deda et seq47 is am5d$ by ins]t+ aft]  
section #acee 7#ab ,u4,s4,c4 #dfjb7 !   
foll[+3  #acee;,a4 ,positive r5tal      
paym5ts  7a7 ,def9ition ,9 ?is section1 
! t]m f$]ally back$ multifamily mortgage
 loan includes any loan 7o!r ?an        
tempor>y f9anc+ su* z a con/ruction     
loan7 t-- 7#a7 is secur$ by a fir/ or   
subord9ate li5 on resid5tial multifamily
 real prop]ty design$ pr9cipally = !    

occupancy ( #e or m families1 includ+   
any su* secur$ loan1 ! proce$s ( :i* are
 us$ to prepay or pay (f an exi/+ loan  
secur$ by ! same prop]ty2 &  7#b7 is    
made 9 :ole or 9 "p1 or insur$1         
gu>ante$1 supplem5t$1 or assi/$ 9 any   
way1 by any (fic] or ag5cy ( ! ,f$]al   
,gov]nm5t or "u or 9 connection ) a h\s+
 or urban developm5t program adm9i/]$ by
 ! ,secret>y ( ,h\s+ & ,urban           
,developm5t or a h\s+ or relat$ program 
adm9i/]$ by any o!r su* (fic] or ag5cy1 
or is pur*as$ or securitiz$ by ! ,f$]al 
,home ,loan ,mortgage ,corporation or ! 
,f$]al ,national ,mortgage ,association4
  7b7 ,au?ority  7#a7 ,9 g5]al ,!       
,director %all1 by ord] or regulation1  
require ea* ent]prise to e/abli% &      
ma9ta9 a program requir+ multifamily    
borr[]s ) f$]ally back$ multifamily     
mortgage loans to reque/ ! cons5t ( _!  
resid5ts to report ! positive r5t       
paym5ts ( ! resid5ts directly to ea*    
consum] report+ ag5cy describ$ 9 section
 #fjc7p7 ( ! ,fair ,cr$it ,report+ ,act 

7#ae ,u4,s4,c4 #afha;a7p771 includ+ #bd 
mon?s ( prior positive r5t paym5ts 7if  
available74  7#b7 ,requirem5ts          
,multifamily borr[]s ) f$]ally back$    
multifamily mortgage loans %all report  
positive r5t paym5ts describ$ 9 p>agraph
 7#a7 if ! resid5t cons5ts to su*       
report+4  7c7 ,mortgages ,any positive  
r5t paym5t made by a resid5t describ$ 9 
subsection 7b7 %all be consid]$ 9 an    
application to insure a mortgage "u     
section #bjc ( ! ,national ,h\s+ ,act   
7#ab ,u4,s4,c4 #agji74  7d7             
,adm9i/rative co/s ,! adm9i/rative co/s 
associat$ ) report+ positive r5tal      
paym5ts %all be cov]$ by ! ent]prises4  
7e7 ,report ,! ,director %all submit to 
,congress a report e #e ye>s on !       
programs e/abli%$ "u ?is section4  7f7  
,au?orization ( appropriations ,!re are 
au?oriz$ to be appropriat$ su* sums z   
may be necess>y to c>ry out ?is section4
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