,i  #aai? ,,congress  #a/ ,session  ,h4 
,r4 #cfid  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,june #c1 #bjbe,ms4   
,pett]s5 7= h]self1 ,ms4 ,hageman1 ,ms4 
,williams ( ,georgia1 & ,mrs4 ,kim7     
introduc$ ! foll[+ bill2 :i* 0 ref]r$ to
 ! ,committee on ,f9ancial ,s]vices  ,a 
,,bill  ,to am5d ! ,national ,h\s+ ,act 
& ! ,h\s+ & ,community ,developm5t ,act 
( #aiib to include in=mation reg>d+ ,,va
 home loans 9 ! ,in=m$ ,consum] ,*oice  
,disclosure requir$ to be provid$ to    
prospective ,,fha borr[]s & to require a
 milit>y s]vice "q on ! ,uni=m          
,resid5tial ,loan ,application1 & = o!r 
purposes4  #a4 ,%ort title ,?is ,act may
 be cit$ z ! ,,va ,loan ,in=m$          
,disclosure ,act ( #bjbe or ! ,,valid   
,act ( #bjbe4  #b4 ,,fha ,in=m$ ,consum]
 ,*oice ,disclosure  7a7 ,inclusion (   
in=mation relat+ to ,,va loans          
,subp>agraph 7,a7 ( section #bjc7;f77#b7
 ( ! ,national ,h\s+ ,act 7#ab ,u4,s4,c4
 #agji7;f77#b77;,a77 is am5d$--  7#a7 by
 ins]t+ 7i7 aft] loan-to-value ratio2 & 

7#b7 by ins]t+ be=e ! semicolon !       
foll[+3 1 & 7ii7 9 connection ) a loan  
gu>ante$ or insur$ "u *apt] #cg ( title 
#ch1 ,unit$ ,/ates ,code1 assum+        
prevail+ int]e/ rates4  7b7 ,rule (     
con/ruction ,no?+ 9 ! am5dm5ts made by  
subsection 7a7 %all be con/ru$ to       
require an orig9al l5d] to det]m9e :e!r 
a prospective borr[] is eligible = any  
loan includ$ 9 ! notice requir$ "u      
section #bjc7;f7 ( ! ,national ,h\s+    
,act 7#ab ,u4,s4,c4 #agji7;f774  #c4    
,milit>y s]vice "q  7a7 ,9 g5]al ,subp>t
 ,a ( "p #b ( subtitle ,a ( title #ac ( 
! ,h\s+ & ,community ,developm5t ,act ( 
#aiib 7#ab ,u4,s4,c4 #deda et seq47 is  
am5d$ by add+ at ! end ! foll[+3  #acbi4
 ,uni=m ,resid5tial ,loan ,application  
,! ,director %all1 n lat] ?an #f mon?s  
aft] ! date ( ! enactm5t ( ?is section1 
require ea* ent]prise to-- 7#a7 include 
a milit>y s]vice "q on ! =m kn[n z !    
,uni=m ,resid5tial ,loan ,application2 &
  7#b7 position su* "q above ! signature
 l9e ( ! ,uni=m ,resid5tial ,loan       

,application4  4  7b7 ,rulemak+ ,!      
,director ( ! ,f$]al ,h\s+ ,f9ance      
,ag5cy %all1 n lat] ?an #f mon?s aft] ! 
date ( ! enactm5t ( ?is section1 issue a
 rule to c>ry out ! am5dm5t made by ?is 
section4