Amend CSHB 365 (house committee printing) as follows: (1) On page 1, line 6, strike "11" and substitute "13". (2) On page 1, lines 13 and 14, strike "Sections 11.102(b) and (c), Finance Code, are amended" and substitute "Section 11.102, Finance Code, is amended by amending Subsections (b) and (c) and adding Subsections (c-1) and (c-2)". (3) On page 1, between lines 22 and 23, insert the following: (c-1) Two members of the finance commission must be individuals who, because of their background and expertise in areas related to consumer financial product safety, will assist the finance commission develop rules, guidelines, and materials involving stronger protections and better information in connection with consumer financial products offered or available in the state with the following objectives: (1) to minimize unreasonable consumer risk associated with buying and using consumer financial products; (2) to prevent and eliminate practices that lead consumers to incur unreasonable, inappropriate, or excessive debt, or make it difficult for consumers to repay existing debt, including practices or product features that may be abusive, fraudulent, unfair, or inconsistent with consumer protection; (3) to promote practices that assist and encourage consumers to use credit and consumer financial products responsibly, to avoid excessive debt, and to avoid unnecessary or excessive charges derived from or associated with consumer financial products; (4) to ensure that providers of consumer financial products provide credit based on the ability of a consumer to repay the debt incurred; (5) to ensure that consumer credit history is maintained, reported, and used fairly and accurately; (6) to maintain strong privacy protections for consumer transactions, credit history, and other personal information associated with the use of consumer financial products; (7) to collect, investigate, resolve, and inform the public about consumer complaints regarding consumer financial products; (8) to ensure a fair resolution of consumer disputes regarding consumer financial products; and (9) to take other reasonable steps to protect users of consumer financial products. (c-2) No individual is eligible to serve as a member of the finance commission under Subsection (c-1)_ if the individual: (1) is an employee of, holds any official relation to, or is married to a person engaged in selling or devising consumer financial products; (2) owns stock or bonds of substantial value in a person described by Subdivision (1); (3) is in any other manner pecuniarily interested in a person described by Subdivision (1); or (4) engages in any other business, vocation, or employment that may create a conflict of interest with other members of the finance commission. (4) On page 1, line 24, strike "two" and substitute "four". (5) On page 2, line 2, strike "one person" and substitute "two persons". (6) On page 2, line 3, strike "one person" and substitute "two persons".