,i  #aafth ,,congress  #b;d ,session    
,h4 ,r4 #fgjd  ,,in ,,the ,,house ,,of  
,,representatives  ,may #e1 #bjbj,mrs4  
,axne 7for herself and ,ms4 ,waters7    
introduced the following bill2 which was
 referred to the ,committee on          
,financial ,services  ,a ,,bill  ,to    
authorize additional funding for housing
 counseling services1 and for other     
purposes4  #a4 ,short title ,this ,act  
may be cited as the ,coronavirus        
,housing ,counseling ,improvement ,act  
of #bjbj4  #b4 ,congressional findings  
,the ,congress finds that-- 7#a7 the    
spread of ,coronavirus ,disease #bjai   
7,,covid-#ai71 which is now considered a
 global pandemic1 is expected to        
negatively impact the incomes of        
potentially millions of homeowners1     
renters1 individuals experiencing       
homelessness1 and individuals at risk of
 homelessness1 making it difficult for  
them to pay their mortgages or rents on 
time2  7#b7 housing counseling is       
critical to ensuring that homeowners1   

renters1 individuals experiencing       
homelessness1 and individuals at risk of
 homelessness have the resources they   
need to manage financial hardships from 
the ,,covid-#ai crisis2  7#c7           
foreclosure mitigation services are also
 critical to address the needs of       
homeowners who lose employment and      
income because of the pandemic and who  
face serious delinquency or mortgage    
default1 or are in foreclosing          
proceedings during this period2  7#d7   
evaluations from the ,national          
,foreclosure ,mitigation ,counseling    
program revealed that homeowners at risk
 of or facing foreclosure are better    
served when they have access to a       
housing counselor and a range of tools  
and resources to help them avoid losing 
their home and have the support they    
need to tailor the best possible        
response to their situation4  #c4       
,funding for housing counseling services
  7a7 ,authorization of appropriations  
,there is authorized to be appropriated 

to the ,neighborhood ,reinvestment      
,corporation 7in this section referred  
to as the ,corporation7 established     
under the ,neighborhood ,reinvestment   
,corporation ,act 7#db ,u4,s4,c4 #haja  
et seq47 #gjj1jjj1jjj for fiscal year   
#bjbj for assistance under section #ajf 
of the ,housing and ,urban ,development 
,act of #aifh 7#ab ,u4,s4,c4 #agjax7 for
 housing counseling services1 which     
shall remain available until ,september 
#cj1 #bjbc4  7b7 ,prioritization of     
housing counseling services ,of any     
amounts made available pursuant to      
subsection 7a71 not less than #dj       
percent shall be provided to counseling 
organizations that target counseling    
services regarding loss mitigation to   
minority and low-income homeowners1     
renters1 individuals experiencing       
homelessness1 and individuals at risk of
 homelessness or provide such services  
in neighborhoods with high              
concentrations of minority and          
low-income homeowners1 renters1         

individuals experiencing homelessness1  
and individuals at risk of homelessness4
  7c7 ,eligible uses ,amounts made      
available pursuant to subsection 7a7 may
 be used in such amounts as the         
,corporation determines for costs of--  
7#a7 public education and outreach2     
7#b7 direct services1 including the full
 range of services provided by housing  
counselors to assist homeowners1        
renters1 individuals experiencing       
homelessness1 and individuals at risk of
 homelessness1 including the practices1 
tools1 and innovations in foreclosure   
mitigation that were utilized in the    
,national ,foreclosure ,mitigation      
,counseling ,program1 and financial     
capability1 credit counseling1 homeless 
counseling1 and rental counseling2  7#c7
 equipment and technology1 including    
broadband internet and equipment        
upgrades needed to ensure timely and    
effective service delivery2 and  7#d7   
training1 including capacitating housing
 counseling staff in various modes of   

counseling1 including rental and        
foreclosure1 delivery of remote         
counseling utilizing improved           
technology1 enhanced network security1  
and supportive options for the delivery 
of client services2  all of which may be
 billed as direct costs4  7d7           
,disbursement ,the ,corporation shall   
disburse all amounts made available     
pursuant to subsection 7a7 as           
expeditiously as possible1 through      
grants to housing counseling            
intermediaries approved by the          
,department of ,housing and ,urban      
,development1 ,state housing finance    
agencies1 and ,neighbor,works           
organizations4 ,the aggregate amount    
provided to ,neighbor,works             
organizations shall not exceed #ae      
percent of the total amounts made       
available pursuant to subsection 7a74