Amend CSSB 317 as follows: Add the following new SECTION immediately following SECTION 21 of the bill and renumber the remaining sections accordingly: The Finance Commission and the Consumer Credit Commissioner shall conduct a study of mortgage lending practices, with emphasis upon identifying possible predatory and discriminating lending patterns or practices. In conducting the study, the agencies shall collect data from entities making mortgage loans about mortgage loans using the data formats of the Home Mortgage Disclosure Act and other data fields necessary to identify possible predatory practices. In conducting the study, the agencies shall also study and consider parameters that could be used to consistently classify credit risk among mortgage loans for the purpose of assessing possible predatory or discriminatory lending practices. The agencies shall prepare a report detailing the findings and recommendations resulting from the study and deliver the report to the Lieutenant Governor, the Speaker of the House, and Legislative committees dealing with lending entities before December 1, 2002.