,i  #aaf? ,,congress  #b;d ,session  ,h4
 ,r4 #fgjd  ,,9 ,,! ,,h\se ,,(          
,,repres5tatives  ,may #e1 #bjbj,mrs4   
,axne 7= h]self & ,ms4 ,wat]s7 introduc$
 ! foll[+ bill2 :i* 0 ref]r$ to !       
,committee on ,f9ancial ,s]vices  ,a    
,,bill  ,to au?orize additional fund+ = 
h\s+ c\nsel+ s]vices1 & = o!r purposes4 
#a4 ,%ort title ,?is ,act may be cit$ z 
! ,coronavirus ,h\s+ ,c\nsel+           
,improvem5t ,act ( #bjbj4  #b4          
,congressional f9d+s ,! ,congress f9ds  
t-- 7#a7 ! spread ( ,coronavirus        
,disease #bjai 7,,covid-#ai71 :i* is n[ 
consid]$ a global p&emic1 is expect$ to 
negatively impact ! incomes ( pot5tially
 millions ( home[n]s1 r5t]s1 individuals
 exp]i5c+ homelessness1 & individuals at
 risk ( homelessness1 mak+ x difficult =
 !m to pay _! mortgages or r5ts on "t2  
7#b7 h\s+ c\nsel+ is critical to ensur+ 
t home[n]s1 r5t]s1 individuals exp]i5c+ 
homelessness1 & individuals at risk (   
homelessness h ! res\rces !y ne$ to     
manage f9ancial h>d%ips f ! ,,covid-#ai 

crisis2  7#c7 =eclosure mitigation      
s]vices are also critical to address !  
ne$s ( home[n]s :o lose employm5t &     
income because ( ! p&emic & :o face     
s]i\s del9qu5cy or mortgage default1 or 
are 9 =eclos+ proce$+s dur+ ?is p]iod2  
7#d7 evaluations f ! ,national          
,=eclosure ,mitigation ,c\nsel+ program 
reveal$ t home[n]s at risk ( or fac+    
=eclosure are bett] s]v$ :5 !y h access 
to a h\s+ c\nselor & a range ( tools &  
res\rces to help !m avoid los+ _! home &
 h ! support !y ne$ to tailor ! be/     
possible response to _! situation4  #c4 
,fund+ = h\s+ c\nsel+ s]vices  7a7      
,au?orization ( appropriations ,!re is  
au?oriz$ to be appropriat$ to !         
,neighborhood ,re9ve/m5t ,corporation 79
 ?is section ref]r$ to z ! ,corporation7
 e/abli%$ "u ! ,neighborhood ,re9ve/m5t 
,corporation ,act 7#db ,u4,s4,c4 #haja  
et seq47 #gjj1jjj1jjj = fiscal ye> #bjbj
 = assi/ance "u section #ajf ( ! ,h\s+ &
 ,urban ,developm5t ,act ( #aifh 7#ab   
,u4,s4,c4 #agjax7 = h\s+ c\nsel+        

s]vices1 :i* %all rema9 available until 
,septemb] #cj1 #bjbc4  7b7              
,prioritization ( h\s+ c\nsel+ s]vices  
,( any am\nts made available pursuant to
 subsection 7a71 n less ?an #dj p]c5t   
%all be provid$ to c\nsel+ organizations
 t t>get c\nsel+ s]vices reg>d+ loss    
mitigation to m9ority & l[-income       
home[n]s1 r5t]s1 individuals exp]i5c+   
homelessness1 & individuals at risk (   
homelessness or provide su* s]vices 9   
neighborhoods ) high conc5trations (    
m9ority & l[-income home[n]s1 r5t]s1    
individuals exp]i5c+ homelessness1 &    
individuals at risk ( homelessness4  7c7
 ,eligible uses ,am\nts made available  
pursuant to subsection 7a7 may be us$ 9 
su* am\nts z ! ,corporation det]m9es =  
co/s (-- 7#a7 public education &        
outrea*2  7#b7 direct s]vices1 includ+ !
 full range ( s]vices provid$ by h\s+   
c\nselors to assi/ home[n]s1 r5t]s1     
individuals exp]i5c+ homelessness1 &    
individuals at risk ( homelessness1     
includ+ ! practices1 tools1 &           

innovations 9 =eclosure mitigation t 7  
utiliz$ 9 ! ,national ,=eclosure        
,mitigation ,c\nsel+ ,program1 &        
f9ancial capability1 cr$it c\nsel+1     
homeless c\nsel+1 & r5tal c\nsel+2  7#c7
 equipm5t & te*nology1 includ+ broadb&  
int]net & equipm5t upgrades ne$$ to     
ensure timely & effective s]vice        
deliv]y2 &  7#d7 tra9+1 includ+         
capacitat+ h\s+ c\nsel+ /aff 9 v>i\s    
modes ( c\nsel+1 includ+ r5tal &        
=eclosure1 deliv]y ( remote c\nsel+     
utiliz+ improv$ te*nology1 enhanc$      
network security1 & supportive options =
 ! deliv]y ( cli5t s]vices2  all ( :i*  
may be bill$ z direct co/s4  7d7        
,disbursem5t ,! ,corporation %all       
disburse all am\nts made available      
pursuant to subsection 7a7 z exp$iti\sly
 z possible1 ?r\gh grants to h\s+       
c\nsel+ int]m$i>ies approv$ by !        
,dep>tm5t ( ,h\s+ & ,urban ,developm5t1 
,/ate h\s+ f9ance ag5cies1 &            
,neighbor,works organizations4 ,!       
aggregate am\nt provid$ to              

,neighbor,works organizations %all n    
exce$ #ae p]c5t ( ! total am\nts made   
available pursuant to subsection 7a74