,i  #aai? ,,congress  #a/ ,session  ,h4 
,r4 #dajj  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,june #bd1 #bjbe,mr4  
,fro/ 7= himself1 ,mr4 ,gomez1 ,ms4 ,*u1
 ,mr4 ,cas>1 ,mr4 ,khanna1 ,ms4         
,s*ak[sky1 ,ms4 ,lee ( ,p5nsylvania1    
,ms4 ,tlaib1 ,ms4 ,ocasio-,cortez1 ,mr4 
,goldman ( ,new ,york1 ,mr4 ,pocan1 ,mr4
 ,g>cia ( ,cali=nia1 ,ms4 ,om>1 ,mrs4   
,mc,iver1 ,mr4 ,mull91 ,ms4 ,jayapal1   
,mr4 ,lieu1 ,mrs4 ,watson ,coleman1 ,ms4
 ,cl>ke ( ,new ,york1 ,ms4 ,bal9t1 &    
,mrs4 ,ramirez7 introduc$ ! foll[+ bill2
 :i* 0 ref]r$ to ! ,committee on        
,f9ancial ,s]vices1 & 9 addition to !   
,committee on ,vet]ans' ,affairs1 = a   
p]iod to be subsequ5tly det]m9$ by !    
,speak]1 9 ea* case = consid]ation ( su*
 provisions z fall )9 ! jurisdiction ( !
 committee conc]n$  ,a ,,bill  ,to      
prohibit own]s ( cov]$ dwell+ units f   
assess+ or collect+ c]ta9 fees f t5ants1
 & = o!r purposes4  #a4 ,%ort title ,?is
 ,act may be cit$ z ! ,end ,junk ,fees =
 ,r5t]s ,act4  #b4 ,r5tal ,junk ,fees   

7a7 ,application fees ,! appropriate    
regulator %all prohibit ! own] ( a cov]$
 dwell+ unit f assess+ or collect+ a fee
 or *>ge1 f any h\sehold 9 connection ) 
! submission ( an application = r5tal ( 
su* dwell+ unit4  7b7 ,t5ant scre5+ fees
 ,! appropriate regulator %all prohibit 
! own] ( a cov]$ dwell+ unit f assess+  
to or collect+ f any h\sehold apply+ to 
r5t su* dwell+ unit any fee or *>ge =   
co/s ( conduct+ any crim9al hi/ory1     
t5ant scre5+1 consum] report1 or o!r    
backgr\nd *eck ( su* h\sehold4  7c7     
,late fees ,! appropriate regulator %all
 require t own]s ( cov]$ dwell+ units-- 
7#a7 only impose fees or *>ges on t5ants
 9 connection ) ! late paym5t ( r5t = a 
cov]$ dwell+ unit if ! am\nt ( su* fee  
or *>ge is less ?an #c p]c5t ( ! mon?ly 
r5t ! t5ant pays = su* cov]$ dwell+     
unit2  7#b7 only impose fees or *>ges on
 t5ants 9 connection ) ! late paym5t (  
r5t = a cov]$ dwell+ unit if #ae days h 
elaps$ s9ce ! date on :i* ! r5t 0 due2 &
  7#c7 disclose ! requirem5ts impos$ "u 

p>agraphs 7#a7 & 7#b7 9 any lease ent]$ 
= a cov]$ dwell+ unit on or aft] ! date 
on :i* rules are issu$ "u section #c4   
7d7 ,requir$ disclosures ,! appropriate 
regulator %all require ea* own] ( a     
cov]$ dwell+ unit to disclose to ! t5ant
 be=e a lease is sign$--  7#a7 ! total  
am\nt due ea* mon?1 includ+ any fees2   
7#b7 to ! degree practicable1 a summ>y (
 any pa/ litigation betwe5 ! su* own] & 
any =m] or curr5t t5ants2  7#c7 a       
description ( any ongo+ pe/ & ma9t5ance 
issues2 &  7#d7 ! am\nt r5t increase = !
 prop]ty 9 ea* ( ! #aj previ\s ye>s4    
7e7 ,def9itions ,9 ?is section3 7#a7    
,appropriate regulator ,! t]m           
appropriate regulator means--  7,a7 !   
,secret>y ( ,h\s+ & ,urban ,developm5t1 
) respect to cov]$ dwell+ units describ$
 9-- 7i7 p>agraph 7#b77;,a72  7ii7      
p>agraph 7#b77;,b71 to ! ext5t !        
,f$]ally back$ mortgage loan ref]r$ to 9
 su* p>agraph is describ$ 9 subp>agraph 
7,a71 7,b71 or 7,c7 ( p>agraph 7#c72 or 
7iii7 p>agraph 7#b77;,b71 to ! ext5t !  

,f$]ally back$ mortgage loan ref]r$ to 9
 su* p>agraph is describ$ 9 p>agraph    
7#d7 & is made 9 :ole or 9 "p1 or       
insur$1 gu>ante$1 supplem5t$1 or assi/$ 
9 any way "u or 9 connection ) a h\s+ or
 urban developm5t program adm9i/]$ by ! 
,secret>y ( ,h\s+ & ,urban ,developm5t2 
7,b7 ! ,secret>y ( ,vet]ans ,affairs1 ) 
respect to cov]$ dwell+ units describ$ 9
 p>agraph 7#b77;,b71 to ! ext5t !       
,f$]ally back$ mortgage loan ref]r$ to 9
 su* p>agraph is describ$ 9-- 7i7       
p>agraph 7#c77;,d72 or  7ii7 p>agraph   
7#d7 & is made 9 :ole or 9 "p1 or       
insur$1 gu>ante$1 supplem5t$1 or assi/$ 
9 any way1 by ! ,secret>y ( ,vet]ans    
,affairs or "u or 9 connection ) a h\s+ 
or relat$ program adm9i/]$ by ,secret>y 
( ,vet]ans ,affairs2  7,c7 ! ,secret>y (
 ,agriculture1 ) respect to cov]$ dwell+
 units describ$ 9 p>agraph 7#b77;,b71 to
 ! ext5t ! ,f$]ally back$ mortgage loan 
ref]r$ to 9 su* p>agraph is describ$ 9--
  7i7 subp>agraph 7,e7 or 7,f7 (        
p>agraph 7#c72 or  7ii7 p>agraph 7#d7 & 

is made 9 :ole or 9 "p1 or insur$1      
gu>ante$1 supplem5t$1 or assi/$ 9 any   
way1 by ! ,secret>y ( ,agriculture or "u
 or 9 connection ) a h\s+ or relat$     
program adm9i/]$ by ,secret>y (         
,agriculture2 &  7,d7 ! ,director ( !   
,f$]al ,h\s+ ,f9ance ,ag5cy1 ) respect  
to cov]$ dwell+ units describ$ 9        
p>agraph 7#b77;,b71 to ! ext5t !        
,f$]ally back$ mortgage loan ref]r$ to 9
 su* p>agraph is describ$ 9-- 7i7       
p>agraph 7#c77;,g72 or  7ii7 p>agraph   
7#d7 & is pur*as$ or securitiz$ by !    
,f$]al ,home ,loan ,mortgage            
,corporation or ! ,f$]al ,national      
,mortgage ,association4  7#b7 ,cov]$    
dwell+ unit ,! t]m cov]$ dwell+ unit    
means a dwell+ unit t--  7,a7 is provid$
 assi/ance )9 ! jurisdiction ( !        
,dep>tm5t1 z su* t]m is def9$ 9 section 
#ajb7m7 ( ! ,dep>tm5t ( ,h\s+ & ,urban  
,developm5t ,re=m ,act ( #aihi 7#db     
,u4,s4,c4 #cede7m772 or  7,b7 is subject
 to1 or is on or 9 a prop]ty t is       
subject to a ,f$]ally back$ s+le-family 

mortgage loan or a ,f$]ally back$       
multifamily mortgage loan4  7#c7        
,f$]ally back$ s+le-family mortgage loan
 ,! t]m ,f$]ally back$ s+le-family      
mortgage loan includes any loan t is    
secur$ by a fir/ or subord9ate li5 on   
resid5tial real prop]ty 7includ+        
individual units ( condom9iums &        
coop]atives7 design$ pr9cipally = !     
occupancy ( f #a- to #d-;families t is--
 7,a7 insur$ by ! ,f$]al ,h\s+          
,adm9i/ration "u title ,,ii ( !         
,national ,h\s+ ,act 7#ab ,u4,s4,c4     
#agjg et seq472  7,b7 insur$ "u section 
#bee ( ! ,national ,h\s+ ,act 7#ab      
,u4,s4,c4 #agaez-#bj72  7,c7 gu>ante$ "u
 section #ahd or #ahd;,a ( ! ,h\s+ &    
,community ,developm5t ,act ( #aiib 7#ab
 ,u4,s4,c4 #agaez-#ac;a1 #agaez-#ac;b72 
7,d7 gu>ante$ or insur$ by ! ,dep>tm5t (
 ,vet]ans ,affairs2  7,e7 gu>ante$ or   
insur$ by ! ,dep>tm5t ( ,agriculture2   
7,f7 made by ! ,dep>tm5t ( ,agriculture2
 or  7,g7 pur*as$ or securitiz$ by !    
,f$]al ,home ,loan ,mortgage            

,corporation or ! ,f$]al ,national      
,mortgage ,association4  7#d7 ,f$]ally  
back$ multifamily mortgage loan ,! 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  7#e7
 ,own] ,! t]m own] means1 ) respect to a

 dwell+ unit1 any private p]son or      
entity1 includ+ a coop]ative1 an ag5cy (
 ! ,f$]al ,gov]nm5t1 or a public h\s+   
ag5cy1 hav+ ! legal "r to lease or      
sublease ! dwell+ unit4  #c4 ,rulemak+  
,! ,bureau ( ,consum] ,f9ancial         
,protection & ! ,f$]al ,trade           
,commission %all1 n lat] ?an #ahj days  
aft] ! date ( ! enactm5t ( ?is section  
issue a rule t-- 7#a7 def9es ! t]m junk 
fee ) respect to r5tal h\s+2 &  7#b7    
f9ds ! furni%+ ( any in=mation ab\t a   
unpaid junk fee 7z su* t]m is def9$     
pursuant to p>agraph 7#a77 to a consum] 
report+ ag5cy to be a unfair or         
unconscionable means to collect or      
attempt to collect debt 9 violation (   
section #hjh ( ! ,fair ,debt ,collection
 ,practices ,act4