Amend CSHB 1188 on page 13, between lines 1 and 2, by
inserting the following:
      Art. 5A.15. PROHIBITION OF CERTAIN EQUITY LOAN. It is a
deceptive trade practice actionable under Subchapter E, Chapter 17,
Business & Commerce Code, for a lender to make an equity loan in a
situation in which there is no reasonable expectation that the
borrower will be able to repay the loan, taking into consideration
the borrower's income, existing debt, and anticipated income, and
any relevant anticipated events such as a balloon payment.