,,ii  #aai? ,,congress  #b;d ,session   
,s4 #cgba  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,janu>y #bi1 #bjbf,mr4 
,:iteh\se 7= himself1 ,ms4 ,w>r51 ,mr4  
,re$1 & ,mr4 ,m]kley7 introduc$ ! foll[+
 bill2 :i* 0 read twice & ref]r$ to !   
,committee on ,bank+1 ,h\s+1 & ,urban   
,affairs  ,a ,,bill  ,to am5d ! ,tru? 9 
,l5d+ ,act to emp[] ! ,/ates to set !   
maximum annual p]c5tage rates applicable
 to consum] cr$it transactions1 & = o!r 
purposes4  #a4 ,%ort title ,?is ,act may
 be cit$ z ! ,emp[]+ ,/ates' ,rights ,to
 ,protect ,consum]s ,act ( #bjbf4  #b4  
,limits on annual p]c5tage rates  7a7 ,9
 g5]al ,*apt] #b ( ! ,tru? 9 ,l5d+ ,act 
7#ae ,u4,s4,c4 #afca et seq47 is am5d$  
by add+ at ! end ! foll[+3  #adj;,b4    
,limits on annual p]c5tage rates        
,not)/&+ any o!r provision ( law1 !     
annual p]c5tage rate applicable to any  
consum] cr$it transaction 7o!r ?an a    
resid5tial mortgage transaction71       
includ+ any fees associat$ ) su* a      
transaction1 may n exce$ ! maximum rate 

p]mitt$ by ! laws ( ! ,/ate 9 :i* !     
consum] resides4  4  7b7 ,te*nical &    
con=m+ am5dm5t ,! table ( cont5ts =     
*apt] #b ( ! ,tru? 9 ,l5d+ ,act is am5d$
 by add+ at ! end ! foll[+3  #adj;,b4   
,limits on annual p]c5tage rates4  4