Amend CSSJR 42 as follows: In Section 50(a)(6), Article XVI, Texas Constitution, add an appropriately lettered paragraph to read as follows and reletter paragraphs accordingly: ( ) has an annual percentage rate of 10 percent or greater and the lender provides to the borrower, no later than five business days after the date the application is made: (1) a statement regarding the value of housing counseling before taking out a home equity loan; (2) a list of the nearest available housing counseling agencies approved by the United State Department of Housing and Urban Development; (3) a list of other resources where home equity lending information can be found, including toll-free telephone numbers and online resources; (4) a good faith estimate specifically listing all loan fees, including points, to be paid by the borrower; and (5) other disclosures required by the finance commission, and the consumer credit commissioner, which include a separate document from the commissioner labeled conspicuously with the seal of the State of Texas;