Amend CSSJR 42 by striking Section 50(a)(6)(M), Article XVI, 
Texas Constitution, and substituting:
			(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; [and]
				(ii)  the third 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; and
				(iii)  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;