,i  #aac? ,,congress  #a/ ,session  ,h4 
,r4 #bcci  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,june #ab1 #bjac ,mr4 
,polis introduc$ ! foll[+ bill2 :i* 0   
ref]r$ to ! ,committee on ,f9ancial     
,s]vices1 & 9 addition to ! ,committee  
on ,en]gy & ,comm]ce1 = a p]iod to be   
subsequ5tly det]m9$ by ! ,speak]1 9 ea* 
case = consid]ation ( su* provisions z  
fall )9 ! jurisdiction ( ! committee    
conc]n$  ,a ,,bill  ,to facilitate      
af=dable work=ce home[n]%ip 91 & develop
 ! full-"t resid5t communities (1 high  
t\rism areas1 & = o!r purposes4  #a4    
,%ort title ,?is ,act may be cit$ z !   
,af=dable ,h\s+ ,regulation             
,simplification ,act ( #bjac4  #b4      
,inapplicability ( c]ta9 ,fannie ,mae & 
,fr$die ,mac guidel9es to af=dable      
work=ce h\s+ mortgages  7a7 ,fannie ,mae
 ,subsection 7b7 ( section #cjb ( !     
,f$]al ,national ,mortgage ,association 
,*>t] ,act 7#ab ,u4,s4,c4 #agag7;b77 is 
am5d$ by add+ at ! end ! foll[+ new     
p>agraph3  7#g7 ,mortgages = af=dable   

work=ce h\s+  7,a7 ,exemptions f        
guidel9es ,not)/&+ any o!r provision (  
law--  7i7 ! corporation may pur*ase1   
s]vice1 sell1 l5d on ! security (1 &    
o!rwise deal 9 any af=dable work=ce h\s+
 mortgage2 &  7ii7 any requirem5ts &    
guidel9es ( ! corporation t are         
inconsi/5t ) ! au?ority "u clause 7i7   
%all n apply to any af=dable work=ce    
h\s+ mortgage4  7,b7 ,af=dable work=ce  
h\s+ mortgages ,= purposes ( ?is        
p>agraph1 ! t]m af=dable work=ce h\s+   
mortgage means a mortgage t meets !     
foll[+ requirem5ts3  7i7 ,prop]ty ,!    
mortgage %all be made = ! pur*ase (1 &  
secur$ by1 a "o-family resid5ce t--     
7,i7 %all be us$ z ! resid5ce ( !       
mortgagor = n less ?an #h ( any #ab     
mon?s & #bdj days ( any #cfe days2      
7,,ii7 is locat$ )9 or is "p ( a        
multifamily h\s+ developm5t--  7aa7 t   
consi/s ( #e or m dwell+ units or a     
mix$-use developm5t t is n less ?an #ej 
p]c5t resid5tial1 z def9$ 9 ! legal     
description ( ! prop]ty 9 ! pur*ase     

contract or mortgage or title docum5ts  
relat+ to su* pur*ase1 or1 if !         
developm5t is less ?an #ej p]c5t        
resid5tial1 has be5 grant$ an exception 
by ! corporation2  7bb7 ( :i* n less ?an
 #be p]c5t ( ! dwell+ units 9 !         
developm5t are own]-occupi$2 except t ! 
requirem5t "u ?is item %all be consid]$ 
to be compli$ )1 ) respect to a         
developm5t1 unless v]ifiable public     
records indicate an own]-occupancy rate 
= ! developm5t ( less ?an #be p]c5t2    
7cc7 t provides individual1 c5traliz$1  
or any o!r me?od ( met]+ = en]gy use ( !
 con/itu5t dwell+ units2  7dd7 t may    
include dwell+ units t are us$ = ! sole 
purpose ( %ort-t]m r5tals & may provide 
su* s]vices z a /aff$ front desk1 a     
conci]ge1 or o!r am5ities consi/5t )    
provid+ cu/om] s]vice = non-own] occupi$
 or %ort-t]m r5tal units 9 ! developm5t1
 includ+ m>ket+ t describes ! prop]ty z 
a lodge1 resort1 or o!r simil> facility2
 &  7ee7 ( :i*1 if at lea/ #ej p]c5t ( !
 total units are "u contract =          

own]-occupancy1 n m ?an #ej p]c5t ( !   
total dwell+ units are own$ by ! same   
inve/or2  & any multifamily h\s+        
developm5t t o!rwise complies ) !       
requirem5ts "u ?is subclause may n be   
consid]$ ineligible because ! developm5t
 or any portion ( ! developm5t is call$ 
or ref]r$ to z a condotel1 condo-hotel1 
lodge1 or any o!r title2  7,,iii7 is    
subject to resale re/rictions t--  7aa7 
are record$ ) ! appropriate public      
regi/ry = record+ ( titles & int]e/s 9  
real e/ate2 &  7bb7 t]m9ate ^u =eclosure
 or execution ( any                     
de$-9-lieu-(-=eclosure2 &  7,,iv7 is    
locat$ 9 an area t1 at ! "t ( !         
orig9ation ( ! mortgage1 is a high      
t\rism area4  7ii7 ,mortgagor income ,! 
h\sehold ( ! mortgagor %all h a gross   
h\sehold income--  7,i7 t does n exce$  
#afj p]c5t ( ! area m$ian income1 z     
det]m9$ & updat$ by ! ,secret>y ( ,h\s+ 
& ,urban ,developm5t or ! ,director ( ! 
,f$]al ,h\s+ ,f9ance ,ag5cy on an annual
 basis2 &  7,,ii7 n less ?an #ge p]c5t (

 :i* is e>n$ f positions ! dis*>ge ( ^: 
duties involv$ physical pres5ce 9 "o or 
m high t\rism areas4  7iii7 ,employm5t  
,! mortgagor or ano!r memb] ( !         
mortgagor's h\sehold--  7,i7 has be5    
employ$1 dur+ ! #f-mon? p]iod end+ ^u   
execution ( ! mortgage1 9 a position or 
multiple positions ! dis*>ge ( ^: duties
 involv$ physical pres5ce 9 "o or m high
 t\rism areas1 9 ! aggregate1 = an      
av]age ( n less ?an #cj h\rs p] weeks2  
7,,ii7 is employ$ at ! "t ( ! execution 
( ! mortgage 9 a position or multiple   
positions ! dis*>ge ( ^: duties involve 
physical pres5ce 9 "o or m high t\rism  
areas1 9 ! aggregate1 = an av]age ( n   
less ?an #cj h\rs p] week & ! duration (
 su* employm5t 9 su* position is expect$
 to la/ at lea/ #f mon?s2  7,,iii7 is   
#fj ye>s ( age or old] &1 dur+ ! #e-ye> 
p]iod end+ up ! mortgagor's retirem5t f 
employm5t 0 employ$ 9 a position or     
positions ! dis*>ge ( ^: duties involv$ 
physical pres5ce 9 "o or m high t\rism  
areas =--  7aa7 an av]age ( n less ?an  

#cj h\rs p] week2 &  7bb7 = n less ?an  
#h mon?s p] ye>2  7,,iv7 is a p]son )   
disabilities 7z su* t]m is def9$ 9      
section #haa7k7 ( ! ,cran/on-,gonzalez  
,national ,af=dable ,h\s+ ,act 7#db     
,u4,s4,c4 #hjac77 :o--  7aa7 0 employ$1 
dur+ ! #b-ye> p]iod end+ ^u becom+      
disabl$1 9 a position or positions      
describ$ 9 subclause 7,i7 or 7,,ii72 or 
7bb7 is employ$ 9 a position or         
positions describ$ 9 subclause 7,i7 or  
7,,ii71 except t ! #cj-;h\r requirem5t  
"u su* subclauses %all n apply to su*   
p]son if-- 7,,aa7 compliance ) su*      
requirem5t w\ld make su* p]son          
ineligible = b5efits made available =   
p]sons ) disabilities ?r\gh a program ( 
any ,/ate ag5cy = developm5tal          
disabilities or ?r\gh ! supplem5tal     
security income program "u title ,,xvi (
 ! ,social ,security ,act2 & 7,,bb7 su* 
p]son works ! maximum numb] ( h\rs p]   
week all[able = eligibility = b5efits "u
 su* program2 or  7,v7 is ! head (      
h\sehold 9 a h\sehold t includes "o or m

 dep5d5ts1 at lea/ "o ( :om is at ! "t (
 ! execution ( ! mortgage #e ye>s ( age 
or y\ng] or is enroll$ full-"t 9 a s*ool
 9 a high t\rism area4  7iv7 ,con=m+    
loan ,! orig9al pr9cipal obligation ( ! 
mortgage %all comply ) ! applicable     
doll> am\nt limitations e/abli%$        
pursuant to p>agraph 7#b74  7,c7 ,high  
t\rism area ,= purposes ( ?is p>agraph1 
! t]m high t\rism area means any c\nty t
 is designat$ z a high t\rism c\nty     
pursuant to section #e ( ! ,af=dable    
,h\s+ ,regulation ,simplification ,act (
 #bjac4  4  7b7 ,fr$die ,mac ,subsection
 7a7 ( section #cje ( ! ,f$]al ,home    
,loan ,mortgage ,corporation ,act 7#ab  
,u4,s4,c4 #aded7;a77 is am5d$ by add+ at
 ! end ! foll[+ new p>agraph3  7#f7     
,mortgages = af=dable work=ce h\s+  7,a7
 ,exemptions f guidel9es ,not)/&+ any   
o!r provision ( law--  7i7 !            
,corporation may pur*ase1 s]vice1 sell1 
l5d on ! security (1 & o!rwise deal 9   
any af=dable work=ce h\s+ mortgage2 &   
7ii7 any requirem5ts & guidel9es ( !    

,corporation t are inconsi/5t ) !       
au?ority "u clause 7i7 %all n apply to  
any af=dable work=ce h\s+ mortgage4     
7,b7 ,af=dable work=ce h\s+ mortgages ,=
 purposes ( ?is p>agraph1 ! t]m af=dable
 work=ce h\s+ mortgage means a mortgage 
t meets ! foll[+ requirem5ts3  7i7      
,prop]ty ,! mortgage %all be made = !   
pur*ase (1 & secur$ by1 a "o-family     
resid5ce t--  7,i7 %all be us$ z !      
resid5ce ( ! mortgagor = n less ?an #h (
 any #ab mon?s & #bdj days ( any #cfe   
days2  7,,ii7 is locat$ )9 or is "p ( a 
multifamily h\s+ developm5t--  7aa7 t   
consi/s ( #e or m dwell+ units or a     
mix$-use developm5t t is n less ?an #ej 
p]c5t resid5tial1 z def9$ 9 ! legal     
description ( ! prop]ty 9 ! pur*ase     
contract or mortgage or title docum5ts  
relat+ to su* pur*ase1 or1 if !         
developm5t is less ?an #ej p]c5t        
resid5tial1 has be5 grant$ an exception 
by ! ,corporation2  7bb7 ( :i* n less   
?an #be p]c5t ( ! dwell+ units 9 !      
developm5t are own]-occupi$2 except t ! 

requirem5t "u ?is item %all be consid]$ 
to be compli$ )1 ) respect to a         
developm5t1 unless v]ifiable public     
records indicate an own]-occupancy rate 
= ! developm5t ( less ?an #be p]c5t2    
7cc7 t provides individual1 c5traliz$1  
or any o!r me?od ( met]+ = en]gy use ( !
 con/itu5t dwell+ units2  7dd7 t may    
include dwell+ units t are us$ = ! sole 
purpose ( %ort-t]m r5tals & may provide 
su* s]vices z a /aff$ front desk1 a     
conci]ge1 or o!r am5ities consi/5t )    
provid+ cu/om] s]vice = non-own] occupi$
 or %ort-t]m r5tal units 9 ! developm5t1
 includ+ m>ket+ t describes ! prop]ty z 
a lodge1 resort1 or o!r simil> facility2
 &  7ee7 ( :i*1 if at lea/ #ej p]c5t ( !
 total units are "u contract =          
own]-occupancy1 n m ?an #ej p]c5t ( !   
total dwell+ units are own$ by ! same   
inve/or2  & any multifamily h\s+        
developm5t t o!rwise complies ) !       
requirem5ts "u ?is subclause may n be   
consid]$ ineligible because ! developm5t
 or any portion ( ! developm5t is call$ 

or ref]r$ to z a condotel1 condo-hotel1 
lodge1 or any o!r title2  7,,iii7 is    
subject to resale re/rictions t--  7aa7 
are record$ ) ! appropriate public      
regi/ry = record+ ( titles & int]e/s 9  
real e/ate2 &  7bb7 t]m9ate ^u =eclosure
 or execution ( any                     
de$-9-lieu-(-=eclosure2 &  7,,iv7 is    
locat$ 9 an area t1 at ! "t ( !         
orig9ation ( ! mortgage1 is a high      
t\rism area4  7ii7 ,mortgagor income ,! 
h\sehold ( ! mortgagor %all h a gross   
h\sehold income--  7,i7 t does n exce$  
#afj p]c5t ( ! area m$ian income1 z     
det]m9$ & updat$ by ! ,secret>y ( ,h\s+ 
& ,urban ,developm5t or ! ,director ( ! 
,f$]al ,h\s+ ,f9ance ,ag5cy on an annual
 basis2 &  7,,ii7 n less ?an #ge p]c5t (
 :i* is e>n$ f positions ! dis*>ge ( ^: 
duties involv$ physical pres5ce 9 "o or 
m high t\rism areas4  7iii7 ,employm5t  
,! mortgagor or ano!r memb] ( !         
mortgagor's h\sehold--  7,i7 has be5    
employ$1 dur+ ! #f-mon? p]iod end+ ^u   
execution ( ! mortgage1 9 a position or 

multiple positions ! dis*>ge ( ^: duties
 involv$ physical pres5ce 9 "o or m high
 t\rism areas1 9 ! aggregate1 = an      
av]age ( n less ?an #cj h\rs p] weeks2  
7,,ii7 is employ$ at ! "t ( ! execution 
( ! mortgage 9 a position or multiple   
positions ! dis*>ge ( ^: duties involve 
physical pres5ce 9 "o or m high t\rism  
areas1 9 ! aggregate1 = an av]age ( n   
less ?an #cj h\rs p] week & ! duration (
 su* employm5t 9 su* position is expect$
 to la/ at lea/ #f mon?s2  7,,iii7 is   
#fj ye>s ( age or old] &1 dur+ ! #e-ye> 
p]iod end+ up ! mortgagor's retirem5t f 
employm5t 0 employ$ 9 a position or     
positions ! dis*>ge ( ^: duties involv$ 
physical pres5ce 9 "o or m high t\rism  
areas =--  7aa7 an av]age ( n less ?an  
#cj h\rs p] week2 &  7bb7 = n less ?an  
#h mon?s p] ye>2  7,,iv7 is a p]son )   
disabilities 7z su* t]m is def9$ 9      
section #haa7k7 ( ! ,cran/on-,gonzalez  
,national ,af=dable ,h\s+ ,act 7#db     
,u4,s4,c4 #hjac77 :o--  7aa7 0 employ$1 
dur+ ! #b-ye> p]iod end+ ^u becom+      

disabl$1 9 a position or positions      
describ$ 9 subclause 7,i7 or 7,,ii72 or 
7bb7 is employ$ 9 a position or         
positions describ$ 9 subclause 7,i7 or  
7,,ii71 except t ! #cj-;h\r requirem5t  
"u su* subclauses %all n apply to su*   
p]son if-- 7,,aa7 compliance ) su*      
requirem5t w\ld make su* p]son          
ineligible = b5efits made available =   
p]sons ) disabilities ?r\gh a program ( 
any ,/ate ag5cy = developm5tal          
disabilities or ?r\gh ! supplem5tal     
security income program "u title ,,xvi (
 ! ,social ,security ,act2 & 7,,bb7 su* 
p]son works ! maximum numb] ( h\rs p]   
week all[able = eligibility = b5efits "u
 su* program2 or  7,v7 is ! head (      
h\sehold 9 a h\sehold t includes "o or m
 dep5d5ts1 at lea/ "o ( :om is at ! "t (
 ! execution ( ! mortgage #e ye>s ( age 
or y\ng] or is enroll$ full-"t 9 a s*ool
 9 a high t\rism area4  7iv7 ,con=m+    
loan ,! orig9al pr9cipal obligation ( ! 
mortgage %all comply ) ! applicable     
doll> am\nt limitations e/abli%$        

pursuant to p>agraph 7#b74  7,c7 ,high  
t\rism area ,= purposes ( ?is p>agraph1 
! t]m high t\rism area means any c\nty t
 is designat$ z a high t\rism c\nty     
pursuant to section #e ( ! ,af=dable    
,h\s+ ,regulation ,simplification ,act (
 #bjac4  4  #c4 ,insurance ( af=dable   
work=ce h\s+ mortgages by ,,fha ,section
 #bjc ( ! ,national ,h\s+ ,act 7#ab     
,u4,s4,c4 #agji7 is am5d$ by add+ at !  
end ! foll[+ new subsection3  7y7       
,mortgages = af=dable work=ce h\s+  7#a7
 ,insurance au?ority ,! ,secret>y may   
insure "u ?is section any af=dable      
work=ce h\s+ mortgage meet+ !           
requirem5ts ( subsection 7b7 ( ?is      
section1 except z modifi$ by ?is        
subsection4  7#b7 ,exemptions ,not)/&+  
any o!r provision ( law1 any requirem5ts
 & guidel9es ( ! ,secret>y t are        
inconsi/5t ) ! au?ority "u p>agraph 7#a7
 %all n apply to any af=dable work=ce   
h\s+ mortgage4  7#c7 ,af=dable work=ce  
h\s+ mortgages ,= purposes ( ?is        
subsection1 ! t]m af=dable work=ce h\s+ 

mortgage means a mortgage t meets !     
foll[+ requirem5ts3  7,a7 ,prop]ty ,!   
mortgage %all be made = ! pur*ase (1 &  
secur$ by1 a "o-family resid5ce t--  7i7
 %all be us$ z ! resid5ce ( ! mortgagor 
= n less ?an #h ( any #ab mon?s & #bdj  
days ( any #cfe days2  7ii7 is locat$ )9
 or is "p ( a multifamily h\s+          
developm5t--  7,i7 t consi/s ( #e or m  
dwell+ units or a mix$-use developm5t t 
is n less ?an #ej p]c5t resid5tial1 z   
def9$ 9 ! legal description ( ! prop]ty 
9 ! pur*ase contract or mortgage or     
title docum5ts relat+ to su* pur*ase1   
or1 if ! developm5t is less ?an #ej     
p]c5t resid5tial1 has be5 grant$ an     
exception by ! ,secret>y2  7,,ii7 ( :i* 
n less ?an #be p]c5t ( ! dwell+ units 9 
! developm5t are own]-occupi$2 except t 
! requirem5t "u ?is item %all be        
consid]$ to be compli$ )1 ) respect to a
 developm5t1 unless v]ifiable public    
records indicate an own]-occupancy rate 
= ! developm5t ( less ?an #be p]c5t2    
7,,iii7 t provides individual1          

c5traliz$1 or any o!r me?od ( met]+ =   
en]gy use ( ! con/itu5t dwell+ units2   
7,,iv7 t may include dwell+ units t are 
us$ = ! sole purpose ( %ort-t]m r5tals &
 may provide su* s]vices z a /aff$ front
 desk1 a conci]ge1 or o!r am5ities      
consi/5t ) provid+ cu/om] s]vice =      
non-own] occupi$ or %ort-t]m r5tal units
 9 ! developm5t1 includ+ m>ket+ t       
describes ! prop]ty z a lodge1 resort1  
or o!r simil> facility2 &  7,v7 ( :i*1  
if at lea/ #ej p]c5t ( ! total units are
 "u contract = own]-occupancy1 n m ?an  
#ej p]c5t ( ! total dwell+ units are    
own$ by ! same inve/or2  & any          
multifamily h\s+ developm5t t o!rwise   
complies ) ! requirem5ts "u ?is clause  
may n be consid]$ ineligible because !  
developm5t or any portion ( ! developm5t
 is call$ or ref]r$ to z a condotel1    
condo-hotel1 lodge1 or any o!r title2   
7iii7 is subject to resale re/rictions  
t--  7,i7 are record$ ) ! appropriate   
public regi/ry = record+ ( titles &     
int]e/s 9 real e/ate2 &  7,,ii7 t]m9ate 

^u =eclosure or execution ( any         
de$-9-lieu-(-=eclosure2 &  7iv7 is      
locat$ 9 an area t1 at ! "t ( !         
orig9ation ( ! mortgage1 is a high      
t\rism area4  7,b7 ,mortgagor income ,! 
h\sehold ( ! mortgagor %all h a gross   
h\sehold income--  7i7 t does n exce$   
#afj p]c5t ( ! area m$ian income1 z     
det]m9$ & updat$ by ! ,secret>y on an   
annual basis2 &  7ii7 n less ?an #ge    
p]c5t ( :i* is e>n$ f positions !       
dis*>ge ( ^: duties involv$ physical    
pres5ce 9 "o or m high t\rism areas4    
7,c7 ,employm5t ,! mortgagor or ano!r   
memb] ( ! mortgagor's h\sehold--  7i7   
has be5 employ$1 dur+ ! #f-mon? p]iod   
end+ ^u execution ( ! mortgage1 9 a     
position or multiple positions ! dis*>ge
 ( ^: duties involv$ physical pres5ce 9 
"o or m high t\rism areas1 9 !          
aggregate1 = an av]age ( n less ?an #cj 
h\rs p] weeks2  7ii7 is employ$ at ! "t 
( ! execution ( ! mortgage 9 a position 
or multiple positions ! dis*>ge ( ^:    
duties involve physical pres5ce 9 "o or 

m high t\rism areas1 9 ! aggregate1 = an
 av]age ( n less ?an #cj h\rs p] week & 
! duration ( su* employm5t 9 su*        
position is expect$ to la/ at lea/ #f   
mon?s2  7iii7 is #fj ye>s ( age or old] 
&1 dur+ ! #e-ye> p]iod end+ up !        
mortgagor's retirem5t f employm5t 0     
employ$ 9 a position or positions !     
dis*>ge ( ^: duties involv$ physical    
pres5ce 9 "o or m high t\rism areas =-- 
7,i7 an av]age ( n less ?an #cj h\rs p] 
week2 &  7,,ii7 = n less ?an #h mon?s p]
 ye>2  7iv7 is a p]son ) disabilities 7z
 su* t]m is def9$ 9 section #haa7k7 ( ! 
,cran/on-,gonzalez ,national ,af=dable  
,h\s+ ,act 7#db ,u4,s4,c4 #hjac77 :o--  
7,i7 0 employ$1 dur+ ! #b-ye> p]iod end+
 ^u becom+ disabl$1 9 a position or     
positions describ$ 9 clause 7i7 or 7ii72
 or  7,,ii7 is employ$ 9 a position or  
positions describ$ 9 clause 7i7 or 7ii71
 except t ! #cj-;h\r requirem5t "u su*  
clauses %all n apply to su* p]son if--  
7aa7 compliance ) su* requirem5t w\ld   
make su* p]son ineligible = b5efits made

 available = p]sons ) disabilities ?r\gh
 a program ( any ,/ate ag5cy =          
developm5tal disabilities or ?r\gh !    
supplem5tal security income program "u  
title ,,xvi ( ! ,social ,security ,act2 
&  7bb7 su* p]son works ! maximum numb] 
( h\rs p] week all[able = eligibility = 
b5efits "u su* program2 or  7v7 is !    
head ( h\sehold 9 a h\sehold t includes 
"o or m dep5d5ts1 at lea/ "o ( :om is at
 ! "t ( ! execution ( ! mortgage #e ye>s
 ( age or y\ng] or is enroll$ full-"t 9 
a s*ool 9 a high t\rism area4  7,d7     
,loan limit ,! orig9al pr9cipal         
obligation ( ! mortgage %all comply ) ! 
applicable doll> am\nt limitations "u   
subsection 7b77#b74  7#d7 ,high t\rism  
area ,= purposes ( ?is p>agraph1 ! t]m  
high t\rism area means any c\nty t is   
designat$ z a high t\rism c\nty pursuant
 to section #e ( ! ,af=dable ,h\s+      
,regulation ,simplification ,act (      
#bjac4  4  #d4 ,,fha au?ority = spot    
approval ( mortgages = condom9ium units 
,section #bcd ( ! ,national ,h\s+ ,act  

7#ab ,u4,s4,c4 #agaey7 is am5d$ by add+ 
at ! end ! foll[+ new subsection3  7l7  
,au?ority = spot approvals ,9 ! case (  
individual mortgages = "o-family units 9
 a multifamily project & an undivid$    
int]e/ 9 ! common areas & facilities t  
s]ve ! project & af=dable work=ce h\s+  
mortgages 7z su* t]m is def9$ 9 section 
#bjc7y771 ! ,secret>y %all provide an   
approval process = insurance ( su*      
mortgages t does n require prior        
approval ( ! entire project or ( !      
home[n]s association = ! entire project4
  4  #e4 ,det]m9ation ( high t\rism     
areas ,! ,secret>y ( ,comm]ce %all1 by  
notice issu$ n lat] ?an ,decemb] #ca1   
#bjad--  7#a7 e/abli% a proc$ure &      
metric = assess+1 = c\nties 9 all ,/ates
 ?r\gh\t ! ,unit$ ,/ates1 ! economic    
impact ( t\rism on su* c\nties2  7#b7   
e/abli% a m9imum ?re%old = su* economic 
activity = use = designat+ c\nties z    
high t\rism c\nties2 &  7#c7 pursuant to
 su* proc$ure1 metric1 & ?re%old1       
designate ! c\nties 9 ! ,unit$ ,/ates t 

are high t\rism c\nties at ! "t ( su*   
designation4  ,! ,secret>y ( ,comm]ce   
%all reassess & update su* designations 
on a bi5nial basis4