,i  #aai? ,,congress  #b;d ,session  ,h4
 ,r4 #ajjhd  ,,9 ,,! ,,h\se ,,(         
,,repres5tatives  ,augu/ #ac1 #bjbf,mr4 
,crank introduc$ ! foll[+ bill2 :i* 0   
ref]r$ to ! ,committee on ,f9ancial     
,s]vices  ,a ,,bill  ,to require t c]ta9
 paym5ts to ,f$]al /ud5t loans to ! buy]
 ( a home be classifi$ z a f9ancial     
concession by ! ,f$]al ,national        
,mortgage ,association & ! ,f$]al ,home 
,loan ,mortgage ,association4  #a4 ,%ort
 title ,?is ,act may be cit$ z ! ,fir/  
,"t ,homebuy] ,debt ,r$uction ,act4  #b4
 ,classification ( /ud5t loan paym5t z a
 f9ancial concession  7a7 ,9 g5]al ,n   
lat] ?an #cj days aft] ! enactm5t ( ?is 
,act1 ! ,director ( ! ,f$]al ,h\s+      
,f9ance ,ag5cy %all require ! ent]prises
 to classify a cov]$ paym5t z a f9ancial
 concession ) respect to an int]e/$ p>ty
 contribution 9 ! sale ( a home1 subject
 to ! limitation describ$ 9 subsection  
7b74  7b7 ,limitation ,a portion ( a    
cov]$ paym5t t is 9 excess ( #be1jjj    
%all be classifi$ z a sales concession4 

7c7 ,def9itions ,9 ?is ,act3  7#a7      
,ent]prises ,! t]m ent]prises means--   
7,a7 ! ,f$]al ,national ,mortgage       
,association2 &  7,b7 ! ,f$]al ,home    
,loan ,mortgage ,association4  7#b7     
,cov]$ paym5t ,! t]m cov]$ paym5t means 
a paym5t t[>ds a /ud5t loan1 z def9$ 9  
,title ,,iv ( ! ,high] ,education ,act1 
by an int]e/$ p>ty to ! buy] ( a home4  
7#c7 ,home ,newly con/ruct$ pr9cipal    
resid5ce ( ! buy] ( a home4