Amend CSHB 1188 by adding the following appropriately numbered article of Chapter 5A, Title 79, Revised Statutes, as added by SECTION 3 of the bill and renumbering existing articles appropriately: Art. 5A. . DEBT TO MEANS RATIO. A lender may not make an equity loan if the ratio of the amount of debt being created to the borrower's means is above the ratio required for a loan to be eligible for purchase by the Federal National Mortgage Association.