,i  #aac? ,,congress  #a/ ,session  ,h4 
,r4 #bhe  ,,9 ,,! ,,h\se ,,(            
,,repres5tatives  ,janu>y #ae1 #bjac    
,mr4 ,al ,gre5 ( ,texas 7= himself1 ,mr4
 ,ha/+s ( ,florida1 ,ms4 ,s*ak[sky1 ,mr4
 ,clay1 ,mr4 ,h9ojosa1 ,mr4 ,honda1 ,ms4
 ,moore1 ,mr4 ,ru%1 ,ms4 ,wilson (      
,florida1 ,mr4 ,grijalva1 & ,mr4        
,s]rano7 introduc$ ! foll[+ bill2 :i* 0 
ref]r$ to ! ,committee on ,f9ancial     
,s]vices  ,a ,,bill  ,to au?orize funds 
to prev5t h\s+ discrim9ation ?r\gh ! use
 ( nationwide te/+1 to increase funds = 
! ,fair ,h\s+ ,initiatives ,program1 & =
 o!r purposes4  #a4 ,%ort title ,?is    
,act may be cit$ z ! ,vet]ans1 ,wom51   
,families ) ,*ildr51 ,race1 & ,p]sons ) 
,disabilities ,h\s+ ,fairness ,act (    
#bjac or ! ,h\s+ ,fairness ,act ( #bjac4
  #b4 ,te/+ = discrim9ation  7a7 ,9     
,g5]al ,! ,secret>y ( ,h\s+ & ,urban    
,developm5t %all conduct a nationwide   
program ( te/+ to--  7#a7 detect &      
docum5t diff]5ces 9 ! treatm5t ( p]sons 
seek+ to r5t or pur*ase h\s+ or obta9 or

 ref9ance a home mortgage loan1 &       
measure patt]ns ( adv]se treatm5t       
because ( ! race1 color1 religion1 sex1 
familial /atus1 disability /atus1 or    
national orig9 ( a r5t]1 home buy]1 or  
borr[]2 &  7#b7 measure ! preval5ce (   
su* discrim9atory practices across !    
h\s+ & mortgage l5d+ m>kets z a :ole4   
7b7 ,adm9i/ration ,! ,secret>y ( ,h\s+ &
 ,urban ,developm5t %all ent] into      
agreem5ts ) qualifi$ fair h\s+ en=cem5t 
organizations1 z su* organizations are  
def9$ "u subsection 7h7 ( section #efa (
 ! ,h\s+ & ,community ,developm5t ,act (
 #aihg 7#db ,u4,s4,c4 #cfaf;a7h771 = !  
purpose ( conduct+ ! te/+ requir$ "u    
subsection 7a74  7c7 ,program           
requirem5ts ,! ,secret>y %all--  7#a7   
submit to ! ,congress an evaluation by !
 ,secret>y ( ! effectiv5ess ( ! program 
"u ?is section2 &  7#b7 issue           
regulations t require ea* application = 
! program "u ?is section to conta9--    
7,a7 a description ( ! assi/$ activities
 propos$ to be und]tak5 by ! applicant2 

7,b7 a description ( ! exp]i5ce ( !     
applicant 9 =mulat+ or c>ry+ out        
programs to c>ry out ! activities       
describ$ 9 subsection 7a72 &  7,c7 a    
description ( propos$ proc$ures to be   
us$ by ! applicant = evaluat+ ! results 
( ! activities propos$ to be c>ri$ out  
"u ! program4  7d7 ,report ,! ,secret>y 
( ,h\s+ & ,urban ,developm5t %all report
 to ,congress--  7#a7 on a bi5nial      
basis1 ! aggregate outcomes ( te/+      
requir$ "u subsection 7a7 along ) any   
recomm5dations or proposals =           
legislative or adm9i/rative action to   
address any issues rais$ by su* te/+2 & 
7#b7 on an annual basis1 a detail$      
summ>y ( ! messages receiv$ by ! ,(fice 
( ,fair ,h\s+ & ,equal ,opportunity ( ! 
,dep>tm5t ?r\gh its #bd-;h\r toll-free  
telephone hotl9e1 ?r\gh electronic mail1
 & ?r\gh its website4  ,! ,secret>y may 
submit ! reports requir$ "u p>agraph    
7#a7 ( ?is subsection z "p ( ! reports  
prep>$ 9 accordance ) p>agraphs 7#b7 &  
7#f7 ( section #hjh7;e7 ( ! ,fair ,h\s+ 

,act 7#db ,u4,s4,c4 #cfjh7;e77 & section
 #efa7;j7 ( ! ,h\s+ & ,community        
,developm5t ,act ( #aihg 7#db ,u4,s4,c4 
#cfaf;a7j774  7e7 ,use ( ,results ,!    
results ( any te/+ requir$ "u subsection
 7a7 may be us$ z ! basis = ! ,secret>y1
 or any ,f$]al ag5cy au?oriz$ to br+ su*
 an en=cem5t action1 or any ,/ate or    
local gov]nm5t or ag5cy1 public or      
private nonpr(it organization or        
in/itution1 or o!r public or private    
entity t ! ,secret>y has ent]$ into a   
contract or coop]ative agreem5t ) "u    
section #efa ( ! ,h\s+ & ,community     
,developm5t ,act ( #aihg 7#db ,u4,s4,c4 
#cfaf;a7 to comm5ce1 und]take1 or pursue
 any inve/igation or en=cem5t action to 
rem$y any discrim9atory h\s+ practice 7z
 su* t]m is def9$ 9 section #hjb ( !    
,fair ,h\s+ ,act 7#db ,u4,s4,c4 #cfjb77 
uncov]$ z a result ( su* te/+4  7f7     
,def9itions ,z us$ 9 ?is section3  7#a7 
,disability /atus ,! t]m disability     
/atus has ! same mean+ giv5 ! t]m h&icap
 9 section #hjb ( ! ,civil ,rights ,act 

( #aifh 7#db ,u4,s4,c4 #cfjb74  7#b7    
,familial /atus ,! t]m familial /atus   
has ! same mean+ giv5 t t]m 9 section   
#hjb ( ! ,civil ,rights ,act ( #aifh    
7#db ,u4,s4,c4 #cfjb74  7g7 ,relation%ip
 to o!r laws ,no?+ 9 ?is section may be 
con/ru$ to am5d1 alt]1 or affect any    
provision ( crim9al law or ! ,tru? 9    
,l5d+ ,act 7#ae ,u4,s4,c4 #afja et      
seq474  7h7 ,regulations ,n lat] ?an !  
expiration ( ! #ahj-;day p]iod beg9n+ on
 ! date ( ! enactm5t ( ?is ,act1 !      
,secret>y ( ,h\s+ & ,urban ,developm5t  
%all issue regulations t e/abli% m9imum 
/&>ds = ! tra9+ ( te/]s ( organizations 
conduct+ te/+ requir$ "u subsection 7a74
 ,su* regulations %all s]ve z ! basis ( 
an evaluation ( su* te/]s1 :i* %all be  
develop$ by ! ,secret>y1 & su*          
regulations %all be issu$ aft] notice & 
an opportunity = public comm5t 9        
accordance ) ! proc$ure "u section #eec 
( title #e1 ,unit$ ,/ates ,code1        
applicable to sub/antive rules 7not)/&+ 
subsections 7a77#b71 7b77,b71 & 7d77#c7 

( su* section74  7i7 ,au?orization (    
,appropriations ,!re are au?oriz$ to be 
appropriat$ to c>ry out ! provisions (  
?is section #ae1jjj1jjj = ea* ( fiscal  
ye>s #bjad ?r\gh #bjah4  #c4 ,increase 9
 fund+ = ! ,fair ,h\s+ ,initiatives     
,program  7a7 ,9 g5]al ,section #efa ( !
 ,h\s+ & ,community ,developm5t ,act (  
#aihg 7#db ,u4,s4,c4 #cfaf;a7 is am5d$--
  7#a7 9 subsection 7b7--  7,a7 9       
p>agraph 7#a71 by ins]t+ qualifi$ be=e  
private nonpr(it fair h\s+ en=cem5t     
organizations12 &  7,b7 9 p>agraph 7#b71
 by ins]t+ qualifi$ be=e private        
nonpr(it fair h\s+ en=cem5t             
organizations12  7#b7 by /rik+          
subsection 7g7 & ins]t+ ! foll[+3  7g7  
,au?orization ( ,appropriations  7#a7 ,9
 g5]al ,!re are au?oriz$ to be          
appropriat$ to c>ry out ! provisions (  
?is section #db1ejj1jjj = ea* ( fiscal  
ye>s #bjad ?r\gh #bjah1 ( :i*--  7,a7 n 
less ?an #ge p]c5t ( su* am\nts %all be 
= private en=cem5t initiatives au?oriz$ 
"u subsection 7b72  7,b7 n m ?an #aj    

p]c5t ( su* am\nts %all be = education &
 outrea* programs "u subsection 7d72 &  
7,c7 any rema9+ am\nts %all be us$ =    
program activities au?oriz$ "u ?is      
section4  7#b7 ,availability ,any am\nt 
appropriat$ "u ?is section %all rema9   
available until exp5d$ to c>ry out !    
provisions ( ?is section4  2  7#c7 9    
subsection 7h71 9 ! matt] foll[+        
subp>agraph 7,c71 by ins]t+ & meets !   
crit]ia describ$ 9 subp>agraphs 7,a7 &  
7,c7 aft] subp>agraph 7,b72 &  7#d7 9   
subsection 7d7--  7,a7 9 p>agraph 7#a7--
  7i7 9 subp>agraph 7,c71 by /rik+ & at 
! end2  7ii7 9 subp>agraph 7,d71 by     
/rik+ ! p]iod & ins]t+ 2 &2 &  7iii7 by 
add+ aft] subp>agraph 7,d7 ! foll[+ new 
subp>agraph3  7,e7 websites & o!r m$ia  
outlets4  2  7,b7 9 p>agraph 7#b71 by   
/rik+ or o!r public or private entities 
& ins]t+ or o!r public or private       
nonpr(it entities2 &  7,c7 9 p>agraph   
7#c71 by /rik+ or o!r public or private 
entities & ins]t+ or o!r public or      
private nonpr(it entities4  7b7         

,regulations ,n lat] ?an ! expiration ( 
! #ahj-;day p]iod beg9n+ on ! date ( !  
enactm5t ( ?is ,act1 ! ,secret>y ( ,h\s+
 & ,urban ,developm5t %all issue        
regulations t e/abli% m9imum /&>ds = !  
tra9+ ( te/]s ( organizations fund$ )   
any am\nts made available to c>ry out   
?is section = any ( fiscal ye>s #bjad   
?r\gh #bjah4 ,su* regulations %all s]ve 
z ! basis ( an evaluation ( su* te/]s1  
:i* %all be develop$ by ! ,secret>y1 &  
%all be issu$ aft] notice & an          
opportunity = public comm5t 9 accordance
 ) ! proc$ure "u section #eec ( title   
#e1 ,unit$ ,/ates ,code1 applicable to  
sub/antive rules 7not)/&+ subsections   
7a77#b71 7b77,b71 & 7d77#c7 ( su*       
section74  #d4 ,s5se ( ,congress ,x is !
 s5se ( ,congress t ! ,secret>y ( ,h\s+ 
& ,urban ,developm5t %\ld--  7#a7 fully 
comply ) ! requirem5ts ( section        
#efa7;d7 ( ! ,h\s+ & ,community         
,developm5t ,act ( #aihg 7#db ,u4,s4,c4 
#cfaf;a7d77 to e/abli%1 design1 & ma9ta9
 a national education & outrea* program 

to provide a c5traliz$1 coord9at$ ef=t =
 ! developm5t & dissem9ation ( ! fair   
h\s+ rights ( individuals :o seek to    
r5t1 pur*ase1 sell1 or facilitate ! sale
 ( a home2  7#b7 exp5d = su* education &
 outrea* programs all am\nts appropriat$
 = su* programs2  7#c7 promulgate       
regulations reg>d+ ! fair h\s+          
obligations ( ea* recipi5t ( ,f$]al h\s+
 & community developm5t funds to        
affirmatively fur!r fair h\s+1 z t t]m  
is def9$ "u title ,,viii ( ! ,civil     
,rights ,act ( #aifh 7#db ,u4,s4,c4     
#cfja et seq472 &  7#d7 fully comply ) !
 requirem5ts ( section #haj7;a7 ( !     
,fair ,h\s+ ,act 7#db ,u4,s4,c4         
#cfaj7;a774  #e4 ,grants to private     
entities to /udy h\s+ discrim9ation  7a7
 ,grant ,program ,! ,secret>y ( ,h\s+ & 
,urban ,developm5t %all c>ry out a      
competitive mat*+ grant program to assi/
 public & private nonpr(it organizations
 9--  7#a7 conduct+ compreh5sive /udies 
t exam9e--  7,a7 ! causes ( h\s+        
discrim9ation & segregation2  7,b7 !    

effects ( h\s+ discrim9ation &          
segregation on education1 pov]ty1 &     
economic developm5t2 or  7,c7 !         
incid5ces1 causes1 & effects ( h\s+     
discrim9ation & segregation on vet]ans &
 milit>y p]sonnel2 &  7#b7 implem5t+    
pilot projects t te/ solutions t w help 
prev5t or alleviate h\s+ discrim9ation &
 segregation4  7b7 ,eligibility ,to be  
eligible to receive a grant "u ?is      
section1 a public or private nonpr(it   
organization %all--  7#a7 submit an     
application to ! ,secret>y ( ,h\s+ &    
,urban ,developm5t1 conta9+ su*         
in=mation z ! ,secret>y %all require2   
7#b7 agree to provide mat*+ non-,f$]al  
funds = #ej p]c5t ( ! total am\nt ( !   
grant1 :i* mat*+ funds may include items
 donat$ on an 9-k9d contribution basis2 
&  7#c7 meet ! requirem5ts ( a qualifi$ 
fair h\s+ en=cem5t organization1 z su*  
t]m is def9$ 9 section #efa7;h7 ( !     
,h\s+ & ,community ,developm5t ,act (   
#aihg 7#db ,u4,s4,c4 #cfaf;a7h771 or    
subcontract ) a qualifi$ fair h\s+      

en=cem5t organization z a prim>y        
subcontractor4  7c7 ,report ,! ,secret>y
 ( ,h\s+ & ,urban ,developm5t %all      
submit a report to ! ,congress on a     
bi5nial basis t provides a detail$      
summ>y ( ! results ( ! compreh5sive     
/udies & pilot projects c>ri$ out "u    
subsection 7a71 toge!r ) any            
recomm5dations or proposals =           
legislative or adm9i/rative actions to  
address any issues rais$ by su* /udies4 
,! ,secret>y may submit ! reports       
requir$ "u ?is subsection z "p ( !      
reports prep>$ 9 accordance ) p>agraphs 
7#b7 & 7#f7 ( section #hjh7;e7 ( ! ,fair
 ,h\s+ ,act 7#db ,u4,s4,c4 #aj          
#cfjh7;e77 & section #efa7;j7 ( ! ,h\s+ 
& ,community ,developm5t ,act ( #aihg   
7#db ,u4,s4,c4 #cfaf;a7j774  7d7        
,au?orization ( ,appropriations ,!re are
 au?oriz$ to be appropriat$ to c>ry out 
! provisions ( ?is section #e1jjj1jjj = 
ea* ( fiscal ye>s #bjad ?r\gh #bjah4    
#f4 ,limitation on use ( funds ,none ( !
 funds made available "u ?is ,act1 or ! 

am5dm5ts made by ?is ,act1 may be us$ = 
any political activities1 political     
advocacy1 or lobby+ 7z su* t]ms are     
def9$ by ,circul> ,a-#abb ( ! ,(fice (  
,managem5t & ,budget1 entitl$ ,co/      
,pr9ciples = ,non-,pr(it                
,organizations71 or = exp5ses = travel  
to engage 9 political activities or     
prep>ation ( or provision ( advice on   
tax returns4