,,ii  #aaf? ,,congress  #a/ ,session    
,s4 #bdhf  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,septemb] #ag1 #bjai   
,ms4 ,hassan 7= h]self1 ,mr4 ,ka9e1 &   
,mr4 ,van ,holl57 introduc$ ! foll[+    
bill2 :i* 0 read twice & ref]r$ to !    
,committee on ,bank+1 ,h\s+1 & ,urban   
,affairs  ,a ,,bill  ,to au?orize !     
,secret>y ( ,h\s+ & ,urban ,developm5t  
to aw>d grants = l&lord-t5ant m$iation  
programs4  #a4 ,%ort title  ,?is ,act   
may be cit$ z ! ,prev5t ,evictions ,act 
( #bjai4  #b4 ,def9itions ,9 ?is ,act3  
7#a7 ,cov]$ grant ,! t]m cov]$ grant    
means an implem5tation grant or program 
expansion grant4  7#b7 ,eligible entity 
,! t]m eligible entity means a ,/ate or 
a c\rt !re(1 a political subdivision ( a
 ,/ate or a c\rt !re(1 a ,tribal        
gov]nm5t1 or any o!r appropriate public 
or nonpr(it entity z det]m9$ by !       
,secret>y1 t is =mulat+ or c>ry+ out a  
program t prim>ily involves m$itation   
betwe5 l&lords & t5ants4  7#c7          
,implem5tation grant ,! t]m             

implem5tation grant means a grant aw>d$ 
"u section #e7;b74  7#d7 ,program       
expansion grant ,! t]m program expansion
 grant means a grant aw>d$ "u section   
#e7;c74  7#e7 ,secret>y ,! t]m ,secret>y
 means ! ,secret>y ( ,h\s+ & ,urban     
,developm5t4  7#f7 ,small-doll> eviction
 ,! t]m small-doll> eviction means an   
eviction result+ f an eviction case     
br\ght aga9/ a t5ant = nonpaym5t ( r5t 9
 :i* ! unpaid am\nt is less ?an #a      
mon?'s r5t4  #c4 ,f9d+s ,congress f9ds !
 foll[+3 7#a7 ,l&lords (t5 make _! l>ge/
 pr(it m>g9s 9 l[-income neighborhoods4 
,?is is 9 "p due to ! diff]5ce betwe5 ! 
p]ceiv$ risk ( l[-income t5ants default+
 on _! r5t & ! actual risk4  7#b7 ,a    
significant proportion ( eviction money 
judgm5ts--9 "s jurisdictions1 pot5tially
 m ?an #dj p]c5t--are = less ?an #a     
mon?'s r5t1 bas$ on m$ian r5t p] c5sus  
tract4  7#c7 ,accord+ to ! book ,evict$3
 ,pov]ty & ,pr(it 9 ! ,am]ican ,city by 
,mat!w ,desmond1 families & individuals 
:o are evict$ are m likely to exp]i5ce a

 decl9e 9 m5tal & physical heal?1 h poor
 att5dance 9 s*ool1 & h m tr\ble hold+ a
 job4  #d4 ,s5se ( ,congress ,x is !    
s5se ( ,congress t-- 7#a7 l&lord-t5ant  
m$iation is a valuable & co/-effective  
way to keep t5ants 9 _! homes1 & m      
inve/m5t 9 t type ( m$iation is w>rant$2
  7#b7 !re is a lack ( rese>* on !      
pot5tial = c]ta9 types ( insurance to be
 co/-effective int]v5tions t keep t5ants
 9 _! homes1 :i* w>rants future /udy2   
7#c7 eviction %\ld be a la/ resort2 &   
7#d7 r$uc+ ! numb] ( small-doll>        
evictions w produce a sub/antial return 
on inve/m5t = individuals & families & =
 society z a :ole4  #e4 ,l&lord-t5ant   
m$iation competitive grant program  7a7 
,9 g5]al ,! ,secret>y %all aw>d         
competitive grants "u subsections 7b7 & 
7c7 to eligible entities to assi/ ^?    
entities 9 e/abli%+ & adm9i/]+1 or      
cont9u+1 l&lord-t5ant m$iation programs4
  7b7 ,implem5tation grants  7#a7 ,9    
g5]al ,! ,secret>y %all aw>d competitive
 grants to eligible entities to assi/ ! 

entities 9 e/abli%+ & adm9i/]+          
l&lord-t5ant m$iation programs4  7#b7   
,t]m ,! t]m ( an implem5tation grant    
%all be #b ye>s4  7#c7 ,am\nt ,! am\nt (
 an implem5tation grant %all be n m ?an 
#a1ejj1jjj4  7#d7 ,use ( funds ,an      
eligible entity may use an implem5tation
 grant to e/abli%-- 7,a7 a /atewide     
m$iation program2 or  7,b7 a m$iation   
program 9 a political subdivision ( a   
,/ate or 9 ! jurisdiction ( an ,indian  
,tribe t demon/rates a high ne$ = su* a 
program due to--  7i7 ! rate ( evictions
 9 ! political subdivision or ,tribal   
jurisdiction2 or  7ii7 o!r *>act]i/ics (
 ! political subdivision or ,indian     
,tribe t contribute to ! rate (         
evictions 9 ! political subdivision or  
,tribal jurisdiction4  7#e7 ,f$]al %>e  
,! ,f$]al %>e ( ! co/ ( a m$iation      
program e/abli%$ us+ an implem5tation   
grant may n exce$ #ej p]c5t4  7c7       
,program expansion grants  7#a7 ,9 g5]al
 ,! ,secret>y %all aw>d competitive     
grants to eligible entities to assi/ !  

entities 9 cont9u+ activities relat$ to 
l&lord-t5ant m$iation4  7#b7 ,t]m ,! t]m
 ( a program expansion grant %all be #c 
ye>s4  7#c7 ,am\nt ,! am\nt ( a program 
expansion grant %all be n m ?an         
#a1jjj1jjj4  7#d7 ,ma9t5ance ( ef=t     
,am\nts made available to an eligible   
entity "u a program expansion grant %all
 be us$ to supplem5t1 & n supplant1     
contributions made by ! eligible entity 
= exi/+ l&lord-t5ant m$iation           
activities4  7d7 ,g5]al rules = cov]$   
grants  7#a7 ,use ( funds ,an eligible  
entity may use a cov]$ grant to pay =   
op]at+ co/s1 /aff sal>ies1 m$iator      
comp5sation1 in=mation te*nology1       
int]pret]s1 outrea* s]vices1 &          
recruitm5t4  7#b7 ,good fai?            
p>ticipation ,an eligible entity t      
receives a cov]$ grant %all enc\rage ea*
 p>ty p>ticipat+ 9 ! l&lord-t5ant       
m$iation program fund$ by ! grant to    
make a good fai? ef=t to discuss        
pot5tial resolutions4  7#c7 ,geographic 
& population div]sity ,! ,secret>y %all 

ensure1 to ! maximum ext5t practicable1 
t recipi5ts ( cov]$ grants repres5t--   
7,a7 div]se geographical areas ( !      
,unit$ ,/ates2 &  7,b7 ,/ates1 political
 subdivisions ( ,/ates1 & ,indian       
,tribes ( v>y+ population sizes4  7#d7  
,free to t5ants ,a t5ant may n be *>g$ =
 p>ticipat+ 9 l&lord-t5ant m$iation     
fund$ by a cov]$ grant4  7e7 ,ov]sight  
requirem5ts ,= ea* ye> ( a cov]$ grant  
receiv$ by an eligible entity1 !        
eligible entity %all submit to !        
,secret>y a report t--  7#a7 describes  
h[ ! eligible entity us$ ! grant funds  
dur+ t ye>2 &  7#b7 includes any        
p]=mance data1 relat+ to programs fund$ 
by ! cov]$ grant1 t ! eligible entity   
submitt$ to a ,/ate or political        
subdivision !re(1 if applicable4  7f7   
,au?orization ( appropriations ,!re are 
au?oriz$ to be appropriat$ to c>ry out  
?is section su* sums z may be necess>y =
 fiscal ye> #bjbj & ea* fiscal ye>      
!reaft]4  #f4 ,/udy & demon/ration (    
eviction-prev5t+ insurance models  7a7  

,9 g5]al ,n lat] ?an #ah mon?s aft] !   
date ( enactm5t ( ?is ,act1 ! ,secret>y 
%all /udy1 & submit to ,congress a      
report on--  7#a7 insurance models      
design$ to r$uce evictions or exp&      
access to r5tal opportunities = t5ants1 
su* z r5tal paym5t insurance2  7#b7 !   
co/ ( v>i\s insurance models describ$ 9 
p>agraph 7#a72 &  7#c7 ! effects ( v>i\s
 insurance models describ$ 9 p>agraph   
7#a7 on t5ants1 l&lords1 & h\s+ m>kets4 
7b7 ,objectives ,9 conduct+ ! /udy "u   
subsection 7a71 ! ,secret>y %all seek   
to-- 7#a7 bett] und]/& insurance models 
describ$ 9 t subsection t are n widely  
available 9 ! ,unit$ ,/ates2  7#b7      
assess ! viability ( ! insurance models 
9 ,unit$ ,/ates m>kets & h[ ! insurance 
models c\ld be implem5t$ ?r\gh private1 
public1 or subsidiz$ programs2  7#c7    
det]m9e :e!r insurance models 9 :i* !   
insurance policy is pur*as$ by ! t5ant1 
! l&lord1 or a public entity w\ld be mo/
 effective 9 a*iev+ ! objectives "u ?is 
subsection2  7#d7 /udy any exi/+        

relevant insurance programs & !         
effectiv5ess ( ^? programs1 bo?         
dome/ically & int]nationally2  7#e7 /udy
 h[ ,f$]al mortgage insurance programs  
c\ld help in=m ! /ructure or bread? ( ! 
insurance models2  7#f7 /udy h[ !       
insurance models c\ld be /ructur$ 9 ord]
 to be/ prev5t evictions1 p>ticul>ly    
small-doll> evictions2  7#g7 /udy h[ to 
/ructure ! insurance models 9 ord] to   
prev5t moral haz>d2  7#h7 /udy !        
pot5tial = ! insurance models to s]ve z 
a bridge = t5ants betwe5--  7,a7        
p>ticipat+ 9 m co/-int5sive1 long]-t]m  
h\s+ programs1 su* z public h\s+ "u !   
,unit$ ,/ates ,h\s+ ,act ( #aicg 7#db   
,u4,s4,c4 #adcg et seq47 or r5tal       
assi/ance "u section #h ( t ,act 7#db   
,u4,s4,c4 #adcg;f72 &  7,b7 leav+ !     
programs describ$ 9 subp>agraph 7,a7    
entirely2  7#i7 /udy h[ ! insurance     
models c\ld be tailor$ to t>get or      
b5efit l[]-income families or vuln]able 
r5t]s2 &  7#aj7 /udy ! ext5t to :i* !   
insurance models c\ld be pair$ )        

l&lord-t5ant m$iation ef=ts4  7c7       
,results ( /udy  7#a7 ,report ,!        
,secret>y %all include 9 ! report "u    
subsection 7a7-- 7,a7 a description (   
any insurance models t--  7i7 h !       
/ronge/ pot5tial to a*ieve ! objectives 
"u subsection 7b72 &  7ii7 c\ld be te/$ 
?r\gh a demon/ration project2 &  7,b7 a 
proposal = a demon/ration project to te/
 ! mo/ promis+ insurance model describ$ 
9 subp>agraph 7,a74  7#b7 ,demon/ration 
project priority = grant recipi5ts ,9   
select+ ! jurisdiction 9 :i* to conduct 
! demon/ration project propos$ "u       
p>agraph 7#a77;,b71 ! ,secret>y %all    
give priority to jurisdictions s]v$ by a
 recipi5t ( a cov]$ grant4  7#c7 ,budget
 reque/ ,aft] submitt+ ! report "u      
subsection 7a71 ! ,secret>y %all include
 9 ! fir/ annual budget reque/ t !      
,secret>y submits to ,congress "u       
section #aaje ( title #ca1 ,unit$ ,/ates
 ,code1 a reque/ = funds = !            
demon/ration proposal describ$ 9        
p>agraph 7#a77;,b74