,i  #aai? ,,congress  #b;d ,session  ,h4
 ,r4 #geig  ,,9 ,,! ,,h\se ,,(          
,,repres5tatives  ,febru>y #ag1 #bjbf   
,mr4 ,lawl] introduc$ ! foll[+ bill2 :i*
 0 ref]r$ to ! ,committee on ,f9ancial  
,s]vices  ,a ,,bill  ,to am5d !         
,dep>tm5t ( ,h\s+ & ,urban ,developm5t  
,act to require t ! annual report ( !   
,dep>tm5t ( ,h\s+ & ,urban ,developm5t  
include an id5tification ( significant  
regulatory b>ri]s to af=dable h\s+4  #a4
 ,%ort title ,?is ,act may be cit$ z !  
,af=dable ,h\s+ ,b>ri]s ,transp>5cy     
,act4  #b4 ,id5tification ( regulatory  
b>ri]s to af=dable h\s+ 9 ,,hud annual  
report ,section #h ( ! ,dep>tm5t ( ,h\s+
 & ,urban ,developm5t ,act 7#db         
,u4,s4,c4 #cecf7 is am5d$ by add+ at !  
end ! foll[+3 ,ea* su* annual report    
%all include an id5tification (         
significant regulatory b>ri]s to        
af=dable h\s+1 )9 ! mean+ ( su* t]m z   
provid$ 9 ! fir/ s5t5ce ( section #abjc 
( ! ,h\s+ & ,community ,developm5t ,act 
( #aiib 7#db ,u4,s4,c4 #abgje;b71 & a   

discussion & analysis ( h[ to r$uce or  
remove su* b>ri]s44