Amend the Wolens amendment to CSHB 1188 by adding the following at the end of the amendment: (1) Add the following appropriately numbered article Chapter 5A, Title 79, Revised Statutes, and renumber existing sections appropriately: Art. 5A. ADDITIONAL REQUIREMENTS FOR EQUITY LOAN. (a) An equity loan is valid only if the equity loan is: (1) not closed before the lender has made a written offer to extend to the borrower, in lieu of the equity loan, at least one alternative loan that is: (A) not secured by the homestead; (B) in the same principal amount; and (C) extended on the same terms, except for the rate of interest.