Amend CSSB 987 (Senate committee printing) as follows:                       
	(1)  In SECTION 1 of the bill, strike proposed Subsection 
(a), Section 343.105, Finance Code (page 1, lines 16-26), and 
substitute the following:
	(a)  In this section, "complex loan" means a loan:                      
		(1)  that has a principal amount of less than $125,000;                
		(2)  that is secured by a first lien or security 
interest against one-to-four family residential real property;
		(3)  for which the ratio of the aggregate of the 
principal balance of all loans secured by the property to the value 
of the property on the date of closing is at least 90 percent;
		(4)  that is made to a borrower who has a credit score 
of not more than 650;  and
		(5)  that contains:                                                    
			(A)  a variable interest rate;                                        
			(B)  a prepayment penalty;                                            
			(C)  a provision that permits the payment of 
interest only;         
			(D)  a provision that permits periodic payments 
that are less than the amount of accrued interest on the scheduled 
payment date;  or
			(E)  a provision for a scheduled payment that is 
more than twice as large as the average of earlier scheduled monthly 
payments.
	(2)  In SECTION 1 of the bill, in proposed Subsection (b), 
Section 343.105, Finance Code (page 1, lines 27-28), strike 
"high-risk loan for less than $125,000" and substitute "complex 
loan".
	(3)  In SECTION 1 of the bill, in proposed Subdivision (1), 
Subsection (b), Section 343.105, Finance Code (page 1, line 36), 
strike "high-risk" and substitute "complex".
	(4)  In SECTION 1 of the bill, in proposed Subdivision (2), 
Subsection (c), Section 343.105, Finance Code (page 1, line 45), 
strike "high-risk" and substitute "complex".
	(5)  In SECTION 1 of the bill, in proposed Subdivision (3), 
Subsection (c), Section 343.105, Finance Code (page 1, line 46), 
strike "alternatives are available" and substitute "alternatives 
may be available".
	(6)  In SECTION 1 of the bill, immediately following proposed 
Subsection (f), Section 343.105, Finance Code (page 1, between 
lines 56 and 57), insert the following:
	(g)  An attorney who counsels a loan applicant under 
Subsection (b) may not represent or advise another party to the 
loan.
	(h)  A violation of this section by a lender does not 
invalidate or impair the lien or security interest for the complex 
loan.
	(i)  The finance commission by rule may adopt a reasonable 
fee that a person who provides counseling to a loan applicant under 
this section may charge the loan applicant.