hf3434 SECOND ENGROSSMENT Responsible lending act of 2002 adopted enacting restrictions on certain home loans. Section 1: Citation provided. Sec. 2: Terms defined. Sec. 3: Prohibited acts and practices detailed. Sec. 4: Disclosures provided. Sec. 5: Unintentional errors accounted for. Sec. 6: Local regulation prohibited. Sec. 7: Consumer remedies and liabilities detailed. Sec. 8: Severability clause provided. Sec. 9: Exemptions provided. Sec. 10: Effective date. AE