,i  #aai? ,,congress  #a/ ,session  ,h4 
,r4 #fabe  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,novemb] #ai1         
#bjbe,mrs4 ,beatty 7= h]self1 ,mr4      
,c>ey1 ,ms4 ,adams1 ,mr4 ,bi%op1 ,mr4   
,c>son1 ,mr4 ,case1 ,ms4 ,cl>ke ( ,new  
,york1 ,mr4 ,cleav]1 ,mr4 ,coh51 ,ms4   
,craig1 ,mr4 ,davis ( ,nor? ,c>ol9a1    
,mr4 ,evans ( ,p5nsylvania1 ,mr4        
,fields1 ,mrs4 ,hayes1 ,mr4 ,johnson (  
,georgia1 ,ms4 ,johnson ( ,texas1 ,ms4  
,kelly ( ,ill9ois1 ,mr4 ,kri%namoor?i1  
,mr4 ,mannion1 ,ms4 ,mc,bride1 ,mr4     
,meeks1 ,ms4 ,moore ( ,wiscons91 ,mr4   
,mull91 ,ms4 ,norton1 ,mr4 ,david ,scott
 ( ,georgia1 ,mr4 ,smi? ( ,wa%+ton1 ,mr4
 ,?an$>1 ,mr4 ,?ompson ( ,mississippi1 &
 ,ms4 ,tokuda7 introduc$ ! foll[+ bill2 
:i* 0 ref]r$ to ! ,committee on         
,f9ancial ,s]vices  ,a ,,bill  ,to      
require ! ,secret>y ( ,h\s+ & ,urban    
,developm5t to disc\nt ,,fha s+le-family
 mortgage insurance premium paym5ts =   
fir/-"t homebuy]s :o complete a f9ancial
 lit]acy h\s+ c\nsel+ program4  #a4     

,%ort title ,?is ,act may be cit$ z !   
,h\s+ ,f9ancial ,lit]acy ,act ( #bjbe4  
#b4 ,disc\nt on mortgage insurance      
premium paym5ts = fir/-"t homebuy]s :o  
complete f9ancial lit]acy h\s+ c\nsel+  
programs ,! second s5t5ce ( subp>agraph 
7,a7 ( section #bjc7;c77#b7 ( !         
,national ,h\s+ ,act 7#ab ,u4,s4,c4     
#agji7;c77#b77;,a77 is am5d$-- 7#a7 by  
ins]t+ be=e ! comma ! foll[+3 & su*     
program is complet$ be=e ! mortgagor has
 sign$ an application = a mortgage to be
 insur$ "u ?is title or a sales         
agreem5t2 &  7#b7 by /rik+ n exce$ #b4ge
 p]c5t ( ! am\nt ( ! orig9al insur$     
pr9cipal obligation ( ! mortgage &      
ins]t+ be #be basis po9ts l[] ?an !     
premium paym5t am\nt e/abli%$ by !      
,secret>y "u ! fir/ s5t5ce ( ?is        
subp>agraph4