Amend SJR 42 by striking Section 50(a)(6)(M), Article XVI, 
Texas Constitution, and substituting the following:
			(M)  is closed not before:                                                   
				(i)  the 12th day after the later of the date 
that the owner of the homestead submits an application to the lender 
for the extension of credit or the date that the lender provides the 
owner a copy of the notice prescribed by Subsection (g) of this 
section;
				(ii)  one business day after the date that 
the owner of the homestead receives a final itemized disclosure of 
the actual fees, points, interest, costs, and charges that will be 
charged at closing.  If a bona fide emergency or another good cause 
exists and the lender obtains the written consent of the owner, the 
lender may provide the documentation to the owner or the lender may 
modify previously provided documentation on the date of closing; 
and
				(iii) [ii]  the first anniversary of the 
closing date of any other extension of credit described by 
Subsection (a)(6) of this section secured by the same homestead 
property;