; (2) in subsection (b)— (A) by striking paragraph (1); and (B) by striking (2) Residential mortgages.— ; (3) by striking subsection (h) and redesignating subsection (i) as subsection (h); and (4) in subsection (h) (as so redesignated)— (A) by striking effective— and all that follows through (1) with respect to and inserting effective with respect to ; (B) in paragraph (1), by striking ; and and inserting a period