HR-4811-FHA Safety, Soundness, Taxpayer Protection Act of 2010

8/3/2019 HR-4811-FHA Safety, Soundness, Taxpayer Protection Act of 2010

http://slidepdf.com/reader/full/hr-4811-fha-safety-soundness-taxpayer-protection-act-of-2010 1/24

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6

‥MU ;=:: NM

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jdk:8

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;

‥MU ;=:: NM

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9

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{mi ndvyujdfi `b {mi où{hjhi ù qiun`knf qj~oid{v,59




2

‥MU ;=:: NM

ù e`{m, xn{m`y{ uihjuk {` jd~ oj}noyo ù ond/:

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kyundh {mi où{hjhi {iuo jv l`dh jv {mi ejvnv bù;

ki{iuondndh {mi rjunjeli uj{i nv iv{jelnvmik eibùi9

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vmjll f`dvnkiu {mi b`ll`xndh3:>

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v{uyf{yui `d {mi Vifui{ju~„v jenln{~ {` oii{ {mi5:

`qiuj{n`djl h`jlv `b {mi Oy{yjl Où{hjhi Nd/55

vyujdfi Bydk jv qu`rnkik nd vif{n`d 515-j.$56

””-E. Ydkiuxun{ndh rjunjeliv$5;




8

‥MU ;=:: NM

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ydkiu {mi qu`q`vik quionyo v{uyf{yui mjv q`/5

{id{njl bù jffiq{jdfi nd {mi qunrj{i ojugi{$6

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Vifui{ju~ {` jkondnv{iu {mi qu`q`vik quionyo9

v{uyf{yui$2

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v{jenln{~ {` où{hjhi ojugi{v$:1

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qu`hujo ydkiu {mnv vif{n`d `d j lnon{ik ejvnv ù vf`qi,:5

i}fiq{ {mj{ {mi qu`hujo vmjll ei fjuunik `y{ dj{n`dxnki:6

jdk {mi Vifui{ju~ vmjll idvyui xnki hi`hujqmnf uiquivid/:;

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{` {mi qnl`{ qu`hujo$:2

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qiufid{ `b {mi jhhuihj{i dyoeiu `b où{hjhiv bù :/5:

{` ;/bjonl~ uivnkidfiv ndvyuik e~ {mi Vifui{ju~ 55

ydkiu {mnv {n{li kyundh {mi quifikndh bnvfjl ~iju$56




=

‥MU ;=:: NM

””-5. [IUO @B QU@HUJO$‛[mi jhhuihj{i dyo/:

eiu ù où{hjhiv ndvyuik qyuvyjd{ {` {mi qnl`{ qu`/5

hujo ydkiu {mnv vif{n`d oj~ d`{ i}fiik :91,111$6

””-i. VYDVI[$‛Jb{iu {mi i}qnuj{n`d `b {mi 6/~iju qi/;

un`k eihnddndh `d {mi kj{i `b {mi idjf{oid{ `b {mi BMJ 9

Vjbi{~ jdk V`ydkdivv jdk [j}qj~iu Qu`{if{n`d Jf{ `b 2

51:1, {mi Vifui{ju~ oj~ d`{ id{iu nd{` jd~ dix fòon{/8

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mijkndh jdk ndviu{ndh {mi b`ll`xndh3:2

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[IUONDJ[I$„„7:>

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j ~iju„„ jdk jll {mj{ b`ll`xv {mu`yhm {mi idk `b {mi5:

vyevif{n`d jdk ndviu{ndh {mi b`ll`xndh3 ””{mi Vif/55

ui{ju~ vmjll‛56

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‥MU ;=:: NM

bjonl~ m`yvndh {mj{ jui ndvyuik e~ {mi Vifui{ju~, ui/:

rnix {mi uj{i `b ijul~ kibjyl{v jdk fljnov bù vyfm5

où{hjhiv bù vyfm où{hjhii7 jdk6

””-5. f`dkyf{ jd `dh`ndh uirnix `b où{hjhiv;

`d vndhli bjonl~ m`yvndh ùnhndj{ik kyundh {mi qui/9

fikndh 5; o`d{mv jdk ndvyuik e~ {mi Vifui{ju~ 2

ydkiu xmnfm {mi où{hjhù mjv eifòi 21 ù oùi8

kj~v kilndzyid{ xn{m uivqif{ {` qj~oid{ ydkiu {mi=

où{hjhi kyundh {mi bnuv{ 5; o`d{mv `b {mi {iuo `b >

{mi où{hjhi {` ki{iuondi‛:1

””-J. xmnfm où{hjhiv vm`ylk d`{ mjri::

eiid ùnhndj{ik ù ndvyuik jdk {mi fmjujf{iunv/:5

{nfv `b vyfm où{hjhiv7:6

””-E. xmnfm où{hjhiiv mjri uilj{nril~ mnhm:;

ndfnkidfiv, jv ki{iuondik e~ {mi Vifui{ju~, `b :9

vyfm kilndzyid{ où{hjhiv ù ndvyujdfi fljnov:2

`d où{hjhiv, xn{m uivqif{ {` jll où{hjhiv:8

ùnhndj{ik e~ {mi où{hjhii ù où{hjhiv `d:=

m`yvndh l`fj{ik nd jd~ qju{nfylju hi`hujqmnf:>

juij ù juijv7 jdk51

””-F. xmnfm où{hjhiiv mjri mjk j vnhdnbn/5:

fjd{ ù ujqnk ndfuijvi, jv ki{iuondik e~ {mi55

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kilndzyid{ où{hjhiv ù ndvyujdfi fljnov `d5;

vyfm où{hjhiv, xn{m uivqif{ {` jll où{hjhiv59

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:1

‥MU ;=:: NM

ùnhndj{ik e~ {mi où{hjhii ù où{hjhiv `d:

m`yvndh l`fj{ik nd jd~ qju{nfylju hi`hujqmnf5

juij ù juijv$„„76

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viu{ndh ””ù juijv ù `d j dj{n`dxnki ejvnv„„ jb{iu9

””juij„„ ijfm qljfi vyfm {iuo jqqijuv72

-;. nd vyevif{n`d -f.-:., e~ ndviu{ndh ””bù jd~ 8

juij ù juijv, ù `d j dj{n`dxnki ejvnv„„ jb{iu ””vnd/=

hli bjonl~ où{hjhiv„„7 jdk>

-9. e~ jkkndh j{ {mi idk {mi b`ll`xndh dix vye/:1

vif{n`dv3::

””-k. UIZYNUIK O@U[HJHII NDRIV[NHJ[N@D B@U :5

MNHM I JUL^ KIBJYL[ U J[IV$‛Nb {mi Vifui{ju~ ki{iu/:6

ondiv qyuvyjd{ {` uirnix ydkiu vyevif{n`d -j.-5. ù `{miu/:;

xnvi {mj{, xn{m uivqif{ {` jd~ où{hjhii `b où{hjhiv `d:9

vndhli bjonl~ m`yvndh {mj{ jui ndvyuik e~ {mi Vifui{ju~,:2

{mj{‛:8

””-:. {miui nv j uilj{nril~ mnhm ndfnkidfi `b où{/:=

hjhiv ùnhndj{ik e~ vyfm où{hjhii ydkiu xmnfm {mi:>

où{hjhù mjv eifòi 21 ù oùi kj~v kilndzyid{51

xn{m uivqif{ {` qj~oid{ ydkiu {mi où{hjhi kyundh5:

{mi bnuv{ 5; o`d{mv `b {mi {iuo `b {mi où{hjhi,55

xn{m uivqif{ {` jll où{hjhiv ùnhndj{ik e~ vyfm56

où{hjhii ù où{hjhiv `d m`yvndh l`fj{ik nd jd~ 5;

qju{nfylju hi`hujqmnf juij ù juijv, ù59

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::

‥MU ;=:: NM

””-5. {miui mjv eiid j vnhdnbnfjd{ ù ujqnk nd/:

fuijvi nd {mi dyoeiu ù qiufid{jhi `b vyfm kilnd/5

zyid{ où{hjhiv ùnhndj{ik e~ jd~ où{hjhii, xn{m6

uivqif{ {` jll où{hjhiv ùnhndj{ik e~ {mi où{hjhii;

ù où{hjhiv `d m`yvndh l`fj{ik nd jd~ qju{nfylju9

hi`hujqmnf juij ù juijv,2

{mi Vifui{ju~ vmjll ydkiu{jgi jd ndriv{nhj{n`d `b {mi où{/8

hjhii {` ki{iuondi nb jf{n`d jhjndv{ vyfm où{hjhii ydkiu=

vyevif{n`d -i. `b {mnv vif{n`d nv xjuujd{ik ù {mi oj{{iu>

vm`ylk ei uibiuuik {` {mi Où{hjhii Uirnix E`juk ydkiu:1

vif{n`d 515-f.$::

””-i. J Y[M@UN[^ [@ [IOQ@UJUNL^ VYVQIDK O@U[/:5

HJHIIV ND I ]NHID[ FNUFYOV[JDFIV$‛:6

””-:. J Y[M@UN[^$‛D`{xn{mv{jdkndh vif{n`d:;

515-f., {mi Vifui{ju~ oj~ {ioqùjunl~ vyvqidk {mi:9

jqqu`rjl `b j où{hjhii {` ùnhndj{i ù ydkiuxun{i:2

où{hjhiv `d vndhli bjonl~ m`yvndh {mj{ jui ndvyuik:8

e~ {mi Vifui{ju~ nb {mi Vifui{ju~ ki{iuondiv, nd jf/:=

fùkjdfi xn{m uihylj{n`dv nvvyik e~ {mi Vifui{ju~,:>

{mj{ jd~ `b {mi hu`ydkv ydkiu qjujhujqm -5. `b {mnv51

vyevif{n`d i}nv{$ Nb {mi hu`ydkv ydkiu qjujhujqm -5.5:

bù j vyvqidvn`d `b j où{hjhii jui lnon{ik {` j qju/55

{nfylju hi`hujqmnf juij ù juijv, {mi vyvqidvn`d oj~ 56

jqql~ {` vyfm qju{nfylju hi`hujqmnf juij ù juijv ù5;

{` jll eyvndivv `b {mi où{hjhii xn{m {mi Bikiujl59

RiuKj{i D̀ r 5; 511= 1;366 Oju ::, 51:1 Cg{ 1=>511 Q@ 11111 Buo 111:: Bo{ 2295 Vbo{ 251: I3\ENLLV\M;=::$NM M;=::



:5

‥MU ;=:: NM

M`yvndh Jkondnv{uj{n`d uihjuklivv `b l`fj{n`d `b {mi:

où{hjhik qu`qiu{niv$5

””-5. HU@YDKV$‛[mi hu`ydkv ydkiu {mnv qjuj/6

hujqm i}nv{ bù j vyvqidvn`d `b j où{hjhii qyuvy/;

jd{ {` qjujhujqm -:. `dl~ nb‛9

””-J. {miui i}nv{v jkizyj{i irnkidfi `b‛2

””-n. j uilj{nril~ mnhm ndfnkidfi `b 8

où{hjhiv ùnhndj{ik e~ vyfm où{hjhii=

ydkiu xmnfm {mi où{hjhù mjv eifòi 21>

ù oùi kj~v kilndzyid{ xn{m uivqif{ {`:1

qj~oid{ ydkiu {mi où{hjhi kyundh {mi::

bnuv{ 5; o`d{mv `b {mi {iuo `b {mi où{/:5

hjhi, xn{m uivqif{ {` jll où{hjhiv ùnhn/:6

dj{ik e~ vyfm où{hjhii ù où{hjhiv `d:;

m`yvndh l`fj{ik nd jd~ qju{nfylju hi`/:9

hujqmnf juij ù juijv7 ù:2

””-nn. j vnhdnbnfjd{ ù ujqnk ndfuijvi nd:8

{mi dyoeiu ù qiufid{jhi vyfm kilndzyid{:=

où{hjhiv ùnhndj{ik e~ vyfm où{hjhii,:>

xn{m uivqif{ {` jll où{hjhiv ùnhndj{ik e~ 51

vyfm où{hjhii ù où{hjhiv `d m`yvndh5:

l`fj{ik nd jd~ qju{nfylju hi`hujqmnf juij55

ù juijv7 jdk56

””-E. f`d{ndyj{n`d `b {mi où{hjhii„v jq/5;

qu`rjl, qidkndh ù j{ {mi fòqli{n`d `b jd~ 59




:6

‥MU ;=:: NM

jykn{, ndriv{nhj{n`d, ù `{miu uirnix, ù vyfm jk/:

ondnv{uj{nri ù `{miu lihjl qu`fiikndhv jv oj~ 5

idvyi, x`ylk d`{ ei nd‛6

””-n. {mi qyelnf nd{iuiv{7 ù;

””-nn. {mi eiv{ nd{iuiv{v `b {mi Kiqju{/9

oid{, ndflykndh {mi eiv{ nd{iuiv{v `b {mi2

vjbi{~ jdk v`ydkdivv `b {mi ndvyujdfi8

bydkv ydkiu {mnv {n{li$=

””-6. NOOIKNJ[I IBBIF[NRIDIVV$‛J vyvqid/>

vn`d `b j où{hjhii qyuvyjd{ {` {mnv vyevif{n`d vmjll:1

{jgi ibbif{ yq`d {mi Vifui{ju~ qu`rnkndh xun{{id d`/::

{nfi `b {mi vyvqidvn`d {` {mi où{hjhii jdk {` {mi:5

Où{hjhii Uirnix E`juk$ Qyuvyjd{ {` vyfm d`{nfi,:6

{mi Où{hjhii Uirnix E`juk vmjll, jv quòq{l~ jv:;

q`vvneli, uirnix {mi vyvqidvn`d jdk {mi hu`ydkv bù:9

{mi vyvqidvn`d jdk ojgi j ki{iuondj{n`d xmi{miu {`:2

{iuondj{i {mi vyvqidvn`d, {jgi `{miu jf{n`d qyuvyjd{:8

{` vif{n`d 515-f., ù e`{m$ Vyfm j vyvqidvn`d vmjll:=

f`d{ndyi nd ibbif{ yd{nl xn{mkujxd e~ {mi Vifui{ju~ :>

ù {iuondj{ik e~ {mi Où{hjhii Uirnix E`juk qyu/51

vyjd{ {` jf{n`d ydkiu vif{n`d 515-f.$5:

””-;. F@DBIUIDFI$‛Nb uizyiv{ik nd xun{ndh e~ 55

{mi vyvqidkik où{hjhii xn{mnd 61 kj~v `b {mi kj{i56

`b {mj{ d`{nfi nv qu`rnkik {` {mi où{hjhii, {mi5;

où{hjhii vmjll ei id{n{lik {` jd ndbùojl f`d/59




:;

‥MU ;=:: NM

biuidfi xn{m {mi `bbnfnjl jy{mùnsik {` nvvyi {iuon/:

dj{n`d d`{nfiv `d eimjlb `b {mi Vifui{ju~ -ù j kiv/5

nhdii `b vyfm `bbnfnjl.$ J{ {mi ndbùojl f`dbiuidfi,6

{mi où{hjhii oj~ quivid{ bù f`dvnkiuj{n`d vqifnbnf;

bjf{ùv {mj{ n{ eilniriv xiui ei~`dk n{v f`d{u`l jdk9

{mj{ fjyvik {mi hu`ydkv bù {mi vyvqidvn`d$2

””-b. VYBBNFNID[ UIV@YUFIV$‛[miui nv jy{mùnsik8

{` ei jqqu`qunj{ik {` {mi Vifui{ju~ bù ijfm `b bnvfjl ~ijuv=

51:1 {mu`yhm 51:; {mi jo`yd{ difivvju~ {` qu`rnki >1>

jkkn{n`djl byll/{noi izynrjlid{ q`vn{n`dv bù {mi Kiqju{/:1

oid{, ù bù id{iundh nd{` vyfm f`d{ujf{v jv jui difivvju~,::

{` f`dkyf{ uirnixv nd jffùkjdfi xn{m {mi uizynuioid{v:5

`b {mnv vif{n`d$:6

””-h. LIDKIU O@DN[@UNDH$‛Nd f`dkyf{ndh o`dn/:;

{ùndh jdk jdjl~vnv `b {mi qiubùojdfi `b lidkiuv bù où{/:9

hjhiv `d vndhli bjonl~ m`yvndh ndvyuik ydkiu {mnv Jf{, {mi:2

Vifui{ju~ vmjll y{nlnsi j 5;/o`d{m qiun`k bù vyfm o`dn/:8

{ùndh jdk jdjl~vnv, {` quò`{i ijulniu nkid{nbnfj{n`d `b :=

quèlio où{hjhiiv jdk jll`x ijulniu nd{iurid{n`d jdk:>

vjdf{n`dv$51

””-m. UIQ@U[NDH [@ F@DHUIVV$‛D`{ lj{iu {mjd >15:

kj~v jb{iu {mi kj{i `b idjf{oid{ `b {mi BMJ Vjbi{~ jdk55

V`ydkdivv jdk [j}qj~iu Qu`{if{n`d Jf{ `b 51:1 jdk d`{56

livv `b{id {mjd jddyjll~ {miuijb{iu, {mi Vifui{ju~ vmjll5;

ojgi jrjnljeli {` {mi Fòon{{ii `d Bndjdfnjl Viurnfiv `b 59

RiuKj{i D̀ r 5; 511= 1;366 Oju ::, 51:1 Cg{ 1=>511 Q@ 11111 Buo 111:; Bo{ 2295 Vbo{ 251: I3\ENLLV\M;=::$NM M;=::



:9

‥MU ;=:: NM

{mi M`yvi `b Uiquivid{j{nriv jdk {mi Fòon{{ii `d:

Ejdgndh, M`yvndh, jdk Yuejd Jbbjnuv `b {mi Vidj{i jd~ 5

ndbùoj{n`d jdk f`dflyvn`dv qyuvyjd{ {` {mi uirnixv ui/6

zynuik ydkiu vyevif{n`d -j.$„„$;

VIF$ 8$ NDKIODNBNFJ[N@D E^ O@U[HJHIIV$9

-j. NDKIODNBNFJ[N@D E^ KNUIF[ IDK@UVIOID[ 2

O@U[HJHIIV$‛Vif{n`d 515 `b {mi Dj{n`djl M`yvndh Jf{8

-:5 Y$V$F$ :81=. nv joidkik e~ jkkndh j{ {mi idk {mi=

b`ll`xndh dix vyevif{n`d3>

””-n. NDKIODNBNFJ[N@D E^ O@U[HJHIIV$‛:1

””-:. ND HIDIUJL$‛Nb {mi Vifui{ju~ ki{iuondiv::

{mj{ j où{hjhi i}ify{ik e~ j où{hjhii jqqu`rik:5

e~ {mi Vifui{ju~ ydkiu {mi knuif{ idkùvioid{ qu`/:6

hujo ù ndvyuik e~ j où{hjhii qyuvyjd{ {` {mi kil/:;

ihj{n`d `b jy{mùn{~ ydkiu vif{n`d 592 xjv d`{ ùnhn/:9

dj{ik ù ydkiuxun{{id nd jffùkjdfi xn{m {mi ui/:2

zynuioid{v iv{jelnvmik e~ {mi Vifui{ju~, jdk {mi:8

Vifui{ju~ qj~v jd ndvyujdfi fljno xn{m uivqif{ {`:=

{mi où{hjhi xn{mnd j uijv`djeli qiun`k vqifnbnik e~ :>

{mi Vifui{ju~, {mi Vifui{ju~ oj~ uizynui {mi où{/51

hjhii jqqu`rik e~ {mi Vifui{ju~ ydkiu {mi knuif{ id/5:

kùvioid{ qu`hujo ù {mi où{hjhii kilihj{ik jy/55

{mùn{~ ydkiu vif{n`d 592 {` ndkiodnb~ {mi Vifui{ju~ 56

bù {mi l`vv$5;




:2

‥MU ;=:: NM

””-5. BUJYK @U ONVUIQUIVID[J[N@D$‛Nb :

bujyk ù onvuiquivid{j{n`d xjv ndr`lrik nd f`ddif/5

{n`d xn{m {mi ùnhndj{n`d ù ydkiuxun{ndh, {mi Vif/6

ui{ju~ oj~ uizynui {mi où{hjhii jqqu`rik e~ {mi;

Vifui{ju~ ydkiu {mi knuif{ idkùvioid{ qu`hujo ù9

{mi où{hjhii kilihj{ik jy{mùn{~ ydkiu vif{n`d 5922

{` ndkiodnb~ {mi Vifui{ju~ bù {mi l`vv uihjuklivv `b 8

xmid jd ndvyujdfi fljno nv qjnk$=

””-6. UIZYNUIOID[V JDK QU@FIKYUIV$‛[mi>

Vifui{ju~ vmjll nvvyi uihylj{n`dv iv{jelnvmndh jqqu`/:1

qunj{i uizynuioid{v jdk qu`fikyuiv h`riudndh {mi::

ndkiodnbnfj{n`d `b {mi Vifui{ju~ e~ {mi où{hjhii$„„$:5

-e. KILIHJ[N@D @B NDVYUNDH J Y[M@UN[^$‛Vif/:6

{n`d 592 `b {mi Dj{n`djl M`yvndh Jf{ -:5 Y$V$F$ :8:9s‖:;

5:. nv joidkik‛:9

-:. e~ v{ungndh vyevif{n`d -f.7:2

-5. nd vyevif{n`d -i., e~ v{ungndh ””, ndflykndh:8

uizynuioid{v jdk qu`fikyuiv h`riudndh {mi ndkio/:=

dnbnfj{n`d `b {mi Vifui{ju~ e~ {mi où{hjhii„„7 jdk:>

-6. e~ uikivnhdj{ndh vyevif{n`dv -k. jdk -i. jv51

vyevif{n`dv -f. jdk -k., uivqif{nril~$5:

VIF$ =$ YVI @B VJBI O@U[HJHI LNFIDVNDH JF[ NKID[N/55

BNIUV$56

-j. UIZYNUIOID[$‛Vif{n`d 515 `b {mi Dj{n`djl5;

M`yvndh Jf{ -:5 Y$V$F$ :81=., jv joidkik e~ {mi qui/59




:8

‥MU ;=:: NM

fikndh qu`rnvn`dv `b {mnv Jf{, nv byu{miu joidkik e~ jkk/:

ndh j{ {mi idk {mi b`ll`xndh dix vyevif{n`d35

””-c. YVI @B VJBI O@U[HJHI LNFIDVNDH J F[ 6

NKID[NBNIUV$‛[mi Vifui{ju~ vmjll uizynui ijfm où{/;

hjhii, jv j f`dkn{n`d bù jqqu`rjl e~ {mi Vifui{ju~ {`9

ùnhndj{i ù ydkiuxun{i où{hjhiv `d vndhli bjonl~ ù oyl/2

{nbjonl~ m`yvndh {mj{ jui ndvyuik e~ {mi Vifui{ju~, {mj{8

{mi où{hjhii è{jnd, ojnd{jnd, jdk yvi nd jll kijlndhv=

jdk fòoydnfj{n`dv xn{m {mi Kiqju{oid{, ù `{miuxnvi>

uilj{ndh {` jd~ où{hjhiv ndvyuik e~ {mi Vifui{ju~, j:1

ydnzyi nkid{nbniu -jv vyfm {iuo nv kibndik nd vif{n`d :916::

`b {mi V$J$B$I$ Où{hjhi Lnfidvndh Jf{ `b 511= -:5:5

Y$V$F$ 9:15..$„„$:6

-e. UYLIOJGNDH JDK NOQLIOID[J[N@D$‛[mi Vif/:;

ui{ju~ `b M`yvndh jdk Yuejd Kiril`qoid{ vmjll f`dkyf{:9

j uyliojgndh {` fjuu~ `y{ vyevif{n`d -n. `b vif{n`d 515:2

`b {mi Dj{n`djl M`yvndh Jf{, jv jkkik e~ {mi joidkoid{:8

ojki e~ vyevif{n`d -j. `b {mnv vif{n`d$ [mi Vifui{ju~ vmjll:=

noqlioid{ vyfm vyevif{n`d -n. d`{ lj{iu {mjd {mi i}qnuj{n`d:>

`b {mi :51/kj~ qiun`k eihnddndh yq`d {mi kj{i `b {mi id/51

jf{oid{ `b {mnv Jf{ e~ d`{nfi, où{hjhii li{{iu, ù nd{iuno5:

bndjl uihylj{n`dv, xmnfm vmjll {jgi ibbif{ yq`d nvvyjdfi$55




:=

‥MU ;=:: NM

VIF$ >$ UIQ@U[NDH @B JHHUIHJ[@U JF[N@DV [JGID:

JHJNDV[ O@U[HJHIIV$5

Vif{n`d 515 `b {mi Dj{n`djl M`yvndh Jf{ -:5 Y$V$F$6

:81=-i.., jv joidkik e~ {mi quifikndh qu`rnvn`dv `b {mnv;

Jf{, nv byu{miu joidkik e~ jkkndh j{ {mi idk {mi b`ll`xndh9

dix vyevif{n`d32

””-g. D@[NBNFJ[N@D @B O@U[HJHII J F[N@DV$‛[mi8

Vifui{ju~ vmjll uizynui ijfm où{hjhii, jv j f`dkn{n`d bù=

jqqu`rjl e~ {mi Vifui{ju~ {` ùnhndj{i ù ydkiuxun{i où{/>

hjhiv `d vndhli bjonl~ ù oyl{nbjonl~ m`yvndh {mj{ jui nd/:1

vyuik e~ {mi Vifui{ju~, nb vyfm où{hjhii idhjhiv nd {mi::

qyufmjvi `b où{hjhiv ndvyuik e~ {mi Vifui{ju~ jdk ùnhn/:5

dj{ik e~ `{miu où{hjhiiv ù nd {mi qyufmjvi `b {mi viur/:6

nfndh unhm{v {` vyfm où{hjhiv, jdk vyfm où{hjhii j{ jd~ :;

{noi {jgiv jf{n`d {` {iuondj{i ù knvf`d{ndyi vyfm qyu/:9

fmjviv buò jd`{miu où{hjhii ejvik `d jd~ ki{iuondj/:2

{n`d, irnkidfi, uiqù{, ù f`dfiud `b bujyk ù onvuiquivid/:8

{j{n`d nd f`ddif{n`d xn{m {mi ùnhndj{n`d `b vyfm où{/:=

hjhiv, ù ejvik `d {mi liril `b kibjyl{v `d vyfm où{hjhiv,:>

{mi où{hjhii vmjll, d`{ lj{iu {mjd :9 kj~v jb{iu {jgndh51

vyfm jf{n`d, vmjll d`{nb~ {mi Vifui{ju~ `b {mi jf{n`d {jgid5:

jdk {mi uijv`dv bù vyfm jf{n`d$„„$55

RiuKj{i D̀ r 5; 511= 1;366 Oju ::, 51:1 Cg{ 1=>511 Q@ 11111 Buo 111:= Bo{ 2295 Vbo{ 251: I3\ENLLV\M;=::$NM M;=::



:>

‥MU ;=:: NM

VIF$ :1$ JDDYJL JF[YJUNJL V[YK^ JDK ZYJU[IUL^ UI/:

Q@U[V @D OY[YJL O@U[HJHI NDVYUJDFI5

BYDK$6

Vyevif{n`d -j. `b vif{n`d 515 `b {mi Dj{n`djl M`yv/;

ndh Jf{ -:5 Y$V$F$ :81=-j.. nv joidkik‛9

-:. nd {mi vif`dk vid{idfi `b qjujhujqm -;., e~ 2

ndviu{ndh eibùi {mi qiun`k j{ {mi idk {mi b`ll`xndh38

””, jd~ fmjdhiv {` {mi fyuuid{ ù qu`cif{ik vjbi{~ =

jdk v`ydkdivv `b {mi Bydk vndfi {mi o`v{ uifid{ ui/>

qù{ ydkiu {mnv qjujhujqm ù qjujhujqm -9., jdk:1

jd~ unvgv {` {mi Bydk„„7 jdk::

-5. nd qjujhujqm -9., nd {mi oj{{iu {mj{ b`ll`xv:5

vyeqjujhujqm -I., e~ ndviu{ndh j{ {mi eihnddndh `b :6

vyfm oj{{iu jdk eibùi ””[mi bnuv{„„ {mi b`ll`xndh3:;

””Ijfm vyfm zyju{iul~ uiqù{ vmjll ndflyki jd jvvivv/:9

oid{ `b {mi bndjdfnjl v{j{yv `b {mi Bydk, jd~ :2

fmjdhiv {` {mi fyuuid{ ù qu`cif{ik vjbi{~ jdk:8

v`ydkdivv `b {mi Bydk vndfi {mi o`v{ uifid{ uiqù{:=

ydkiu qjujhujqm -;. jdk {mnv qjujhujqm, jdk jd~ :>

unvgv {` {mi Bydk, jdk vmjll vi{ bù{m jd~ uif/51

òoidkj{n`dv -nd jkkn{n`d {` uifòoidkj{n`dv5:

ydkiu vyeqjujhujqm -I.. bù jf{n`dv {` idvyui {mj{55

{mi Bydk uiojndv bndjdfnjll~ v`ydk$„„$56

RiuKj{i D̀ r 5; 511= 1;366 Oju ::, 51:1 Cg{ 1=>511 Q@ 11111 Buo 111:> Bo{ 2295 Vbo{ 251: I3\ENLLV\M;=::$NM M;=::



51

‥MU ;=:: NM

VIF$ ::$ KIBJYL[ JDK @UNHNDJ[N@D NDB@UOJ[N@D E^:

L@JD VIURNFIU JDK @UNHNDJ[NDH KNUIF[5

IDK@UVIOID[ LIDKIU$6

Qjujhujqm -5. `b vif{n`d 9;1-e. `b {mi Dj{n`djl;

M`yvndh Jf{ -:5 Y$V$F$ :8:5 Y$V$F$ :869b‖:=-e.-5.. nv9

joidkik e~ jkkndh j{ {mi idk {mi b`ll`xndh dix vyeqjuj/2

hujqm38

””-F. Bù ijfm id{n{~ {mj{ viurnfiv ndvyuik=

où{hjhiv, kj{j `d {mi qiubùojdfi `b où{/>

hjhiv ùnhndj{ik kyundh ijfm fjlidkju zyju{iu:1

`ffyuundh kyundh {mi jqqlnfjeli f`llif{n`d qi/::

un`k, knvjhhuihj{ik e~ {mi knuif{ idkùvioid{:5

où{hjhii buò xmò vyfm id{n{~ jfzynuik:6

vyfm viurnfndh$„„$:;

VIF$ :5$ HJ@ UIQ@U[V @D BMJ JDK HNDDNI OJI$:9

D`{ lj{iu {mjd {mi i}qnuj{n`d `b {mi :5/o`d{m qiun`k:2

eihnddndh `d {mi kj{i `b {mi idjf{oid{ `b {mnv Jf{, {mi:8

Fòq{u`lliu Hidiujl `b {mi Ydn{ik V{j{iv vmjll vyeon{ {`:=

{mi F`dhuivv {mi b`ll`xndh uiqù{v3:>

-:. BMJ UIQ@U[$‛J uiqù{ `d {mi vndhli bjo/51

nl~ où{hjhi ndvyujdfi qu`hujov `b {mi Vifui{ju~ `b 5:

M`yvndh jdk Yuejd Kiril`qoid{ jdk {mi Oy{yjl55

Où{hjhi Ndvyujdfi Bydk iv{jelnvmik ydkiu vif{n`d56

515-j. `b {mi Dj{n`djl M`yvndh Jf{ -:5 Y$V$F$5;

:81=-j.. {mj{‛59




5:

‥MU ;=:: NM

-J. jdjl~siv vyfm Bydk, {mi if`dònf di{:

xù{m, fjqn{jl uj{n`, jdk ydjoù{nsik ndvyu/5

jdfi/nd/bùfi -jv vyfm {iuov jui kibndik nd vif/6

{n`d 519-b.-;. `b vyfm Jf{ -:5 Y$V$F$;

:8::-b.-;... `b vyfm Bydk, {mi unvgv {` {mi9

Bydk, m`x {mi fjqn{jl uj{n` `b {mi Bydk jbbif{v2

{mi où{hjhi ndvyujdfi qu`hujov ydkiu {mi8

Bydk jdk {mi eu`jkiu m`yvndh ojugi{, {mi i}/=

{id{ {` xmnfm {mi m`yvndh ojugi{v jui oùi ki/>

qidkid{ `d où{hjhi ndvyujdfi qu`rnkik:1

{mu`yhm {mi Bydk vndfi {mi bndjdfnjl funvnv::

eihjd nd 511=, jdk {mi i}q`vyui `b {mi {j}/:5

qj~iuv bù èlnhj{n`dv `b {mi Bydk7:6

-E. uifòoidkv j fjqn{jl uj{n` bù {mi:;

Bydk -d`{xn{mv{jdkndh vif{n`d 519-b.-5. `b :9

vyfm Jf{. {mj{ nv jqqu`qunj{i jdk vybbnfnid{ {`:2

idvyui {mj{ {mi `qiuj{n`djl h`jlv `b {mi Bydk:8

ydkiu vif{n`d 515-j.-=. -jv v` uikivnhdj{ik e~ :=

{mi quifikndh qu`rnvn`dv `b {mnv Jf{. jui oi{7:>

-F. jdjl~siv {mi ibbif{v `b {mi ndfuijviv nd51

{mi lnon{v `d {mi oj}noyo qundfnqjl èlnhj{n`d5:

`b où{hjhiv ojki e~ {mi BMJ O`kiudnsj{n`d55

Jf{ `b 511= -{n{li N `b knrnvn`d E `b Qyelnf Ljx56

::1‖5=>., vif{n`d 515 `b {mi If`dònf V{no/5;

ylyv Jf{ `b 511= -Qyelnf Ljx ::1‖:=97 :5559

RiuKj{i D̀ r 5; 511= 1;366 Oju ::, 51:1 Cg{ 1=>511 Q@ 11111 Buo 1115: Bo{ 2295 Vbo{ 251: I3\ENLLV\M;=::$NM M;=::



55

‥MU ;=:: NM

V{j{$ 251., vif{n`d :515 `b knrnvn`d J `b {mi:

Joiunfjd Uif`riu~ jdk Uindriv{oid{ Jf{ `b 5

511> -Qyelnf Ljx :::‖97 :56 V{j{$ 559., jdk6

vif{n`d :22 `b {mi F`d{ndyndh Jqqu`qunj{n`dv;

Uiv`ly{n`d, 51:1 -jv jkkik e~ vif{n`d :1; `b 9

knrnvn`d E `b Qyelnf Ljx :::‖==7 :56 V{j{$2

5>856. `d‛8

-n. {mi unvgv {` jdk vjbi{~ jdk v`ydk/=

divv `b {mi Bydk7>

-nn. {mi qunrj{i ojugi{ bù uivnkid{njl:1

où{hjhi l`jdv {mj{ jui d`{ ndvyuik e~ {mi::

Vifui{ju~ `b M`yvndh jdk Yuejd Kiril`q/:5

oid{7 jdk:6

-nnn. {mi Bikiujl Dj{n`djl Où{hjhi:;

Jvv`fnj{n`d jdk {mi Bikiujl Mòi L`jd:9

Où{hjhi Fùqùj{n`d7 jdk:2

-K. jdjl~siv {mi noqjf{v {` {mi Bydk:8

fjyvik e~ villiu f`dfivvn`dv ù f`d{uney{n`dv {`:=

j eùu`xiu qyufmjvndh j uivnkidfi yvndh j:>

où{hjhi {mj{ nv ndvyuik e~ {mi Vifui{ju~ jdk51

uifòoidkv jd jqqu`qunj{i lnon{j{n`d `d vyfm5:

f`dfivvn`dv ù f`d{uney{n`dv$55

-5. HNDDNI OJI$‛J uiqù{ `d {mi H`riudoid{56

Dj{n`djl Où{hjhi Jvv`fnj{n`d {mj{ nkid{nbniv‛5;




56

‥MU ;=:: NM

-J. {mi r`lyoi jdk vmjui `b {mi uivnkid{njl:

où{hjhi ojugi{ {mj{ f`dvnv{v `b où{hjhiv5

{mj{ ejfg, ù `d xmnfm jui ejvik, vifyun{niv {mi6

qj~oid{ `b qundfnqjl jdk nd{iuiv{ `d xmnfm nv;

hyjujd{iik e~ vyfm Jvv`fnj{n`d jdk m`x {mi9

Jvv`fnj{n`d mjv eiid jbbif{ik e~ {mi if`dònf2

uifivvn`d, fuikn{ funvnv, jdk k`xd{yud nd {mi8

m`yvndh ojugi{v `ffyuundh kyundh 511=, 511>,=

jdk 51:17>

-E. {mi fjqjfn{~ `b {mi Jvv`fnj{n`d {` ojd/:1

jhi {mi r`lyoi `b eyvndivv n{ f`dkyf{v jdk vi/::

fyun{niv n{ hyjujd{iiv, qju{nfyljul~ xn{m uihjuk:5

{` {mi uifid{ kujoj{nf ndfuijvi nd vyfm r`lyoi,:6

ndflykndh {mi jenln{~ `b {mi Jvv`fnj{n`d {` f`d/:;

kyf{ jqqu`qunj{i `riuvnhm{ `b f`d{ujf{ùv jdk:9

nvvyiuv `b vifyun{niv qj~oid{ `b qundfnqjl jdk:2

nd{iuiv{ `d xmnfm nv hyjujd{iik e~ {mi Jvv`fnj/:8

{n`d jdk f`dkyf{ qu`qiu kyi knlnhidfi jdk `riu/:=

vnhm{ nd vfuiidndh {mi où{hjhiv {mj{ ejfg vyfm:>

vifyun{niv ù `d xmnfm vyfm vifyun{niv jui ejvik751

-F. {mi noqjf{v, nb jd~, uivyl{ndh buò5:

vyfm ndfuijvik r`lyoi `b eyvndivv f`dkyf{ik e~ 55

{mi Jvv`fnj{n`d jdk vifyun{niv n{ hyjujd{iiv jdk56

{mi fmjllidhiv vyfm ndfuijvik r`lyoi q`viv {`5;

{mi nd{iudjl f`d{u`lv `b {mi Jvv`fnj{n`d7 jdk59




5;

-K. {mi i}nv{ndh fjqn{jl di{ xù{m `b {mi:

rjun`yv jhhuihj{ùv `b où{hjhiv {mj{ nvvyi vi/5

fyun{niv {mj{ jui ejvik `d ù ejfgik e~ vyfm6

où{hjhiv jdk qj~oid{ `b qundfnqjl jdk nd{iu/;

iv{ `d xmnfm nv hyjujd{iik e~ vyfm Jvv`fnj{n`d9

jdk uifòoidkv jd jqqu`qunj{i uizynuik liril2

`b di{ xù{m bù vyfm jhhuihj{ùv jdk nvvyiuv8

{` qu`{if{ {mi bndjdfnjl nd{iuiv{v Bikiujl H`r/=

iudoid{ jdk {mi {j}qj~iuv$>

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