,,ii  #aaf? ,,congress  #a/ ,session    
,s4 #biea  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,novemb] #ba1 #bjai,mr4
 ,s*um] 7= ,ms4 ,h>ris 7= h]self1 ,mr4  
,durb91 & ,ms4 ,duckwor?77 introduc$ !  
foll[+ bill2 :i* 0 read twice & ref]r$  
to ! ,committee on ,bank+1 ,h\s+1 &     
,urban ,affairs  ,a ,,bill  ,to         
facilitate ! developm5t ( af=dable h\s+1
 & = o!r purposes4  #a4 ,%ort title ,?is
 ,act may be cit$ z ! ,h\s+ is          
,infra/ructure ,act ( #bjai4  #b4 ,f9d+s
 ,congress f9ds ! foll[+3  7#a7         
,af=dable h\s+ is a critical "p ( !     
national infra/ructure ( ! ,unit$       
,/ates1 b !re is a sev]e %ortage (      
af=dable h\s+ 9 ! ,unit$ ,/ates & !     
exi/+ /ock is badly 9 ne$ ( repair4     
7#b7 ,accord+ to a #bjaj /udy sponsor$  
by ! ,dep>tm5t ( ,h\s+ & ,urban         
,developm5t1 !re 0 a #bf1jjj1jjj1jjj    
backlog ( capital ne$s = public h\s+4 ,t
 figure is likely high] today1 ) "s     
gr\ps e/imat+ ! backlog ( capital ne$s =
 public h\s+ to be z high z             

#gj1jjj1jjj1jjj4  7#c7 ,accord+ to !    
,dep>tm5t ( ,agriculture1 !re are       
#ad1jjj dwell+ units receiv+ r5tal      
assi/ance "u section #ead or #eae (     
,h\s+ ,act ( #aidi 7#db ,u4,s4,c4 #adhd1
 #adhe7 t h an e/imat$ unmet res]ve ne$ 
( #e1fjj1jjj1jjj4  7#d7 ,f$]al inve/m5t 
9 h\s+ helps to create jobs & /imulate !
 economy4  7#e7 ,:5 ! ,am]ican ,recov]y 
& ,re9ve/m5t ,act ( #bjji 7,public ,law 
#aaa-e7 0 enact$1 :i* includ$ fund+ =   
public h\s+1 rese>*]s f\nd t = ea* #a4jj
 9 direct sp5d+ on public h\s+1 !re 0 an
 additional #b4ab ( indirect & induc$   
economic activity nationwide = a total  
economic impact ( #c4ab = ea* #a4jj 9   
direct sp5d+ on public h\s+4  7#f7      
,accord+ to ! ,national ,association (  
,home ,build]s1 build+ #ajj af=dable    
r5tal homes g5]ates #aa1gjj1jjj million 
9 local income1 #b1bjj1jjj 9 taxes &    
rev5ue = local gov]nm5ts1 & #afa local  
jobs4  7#g7 ,rese>*]s e/imate t ! gr[? 9
 ! gross dome/ic product f #aifd to     
#bjji w\ld h be5 #ac4e p]c5t high] if   

families _h bett] access to af=dable    
h\s+1 :i* 9 turn c\ld h l$ to an        
additional #a1gjj1jjj1jjj increase 9    
income1 equival5t to #h1gge 9 additional
 wages = ea* work]4  #c4 ,def9itions ,9 
?is ,act-- 7#a7 ! t]ms adju/$ income1   
l[-income family1 public h\s+1 & public 
h\s+ ag5cy h ! mean+s giv5 ^? t]ms 9    
section #c7;b7 ( ! ,unit$ ,/ates ,h\s+  
,act ( #aicg 7#db ,u4,s4,c4 #adcg;a7b772
  7#b7 ! t]m ,adm9i/rator means !       
,adm9i/rator ( ! ,f$]al ,em]g5cy        
,managem5t ,ag5cy2  7#c7 ! t]ms area    
hav+ special flood haz>ds1 sub/antial   
damage1 & sub/antial improvem5t h ! same
 mean+s z :5 us$ 9 ! ,flood ,disa/]     
,protection ,act ( #aigc 7#db ,u4,s4,c4 
#djjb et seq47 & ! ,national ,flood     
,insurance ,act ( #aifh 7#db ,u4,s4,c4  
#djja et seq472  7#d7 ! t]m at risk (   
homelessness has ! mean+ giv5 ! t]m 9   
section #dja ( ! ,mc,kinney-,v5to       
,homeless ,assi/ance ,act 7#db ,u4,s4,c4
 #aacfj72  7#e7 ! t]m homeless has !    
mean+ giv5 ! t]m 9 section #ajc ( !     

,mc,kinney-,v5to ,homeless ,assi/ance   
,act 7#db ,u4,s4,c4 #aacjb72  7#f7 ! t]m
 m9ority-- 7,a7 has ! mean+ giv5 ! t]m 9
 section #cjh7;b7 ( ! ,f9ancial         
,in/itutions ,re=m1 ,recov]y1 &         
,en=cem5t ,act ( #aihi 7#ab ,u4,s4,c4   
#adfc note72 &  7,b7 includes any       
indig5\s p]son 9 ! ,unit$ ,/ates1       
includ+ 9 any t]ritory ( ! ,unit$       
,/ates2  7#g7 ! t]m m9ority & wom5's    
bus9ess ent]prise means a bus9ess t is n
 less ?an #ea p]c5t own$ & controll$ by 
memb]s ( a m9ority gr\p or wom52  7#h7 !
 t]m qualifi$ af=dable h\s+ means a h\s+
 developm5t t-- 7,a7 7i7 is fund$ 9 any 
"p by assi/ance provid$ by ! ,dep>tm5t (
 ,h\s+ & ,urban ,developm5t or ! ,rural 
,h\s+ ,s]vice ( ! ,dep>tm5t (           
,agriculture2 or  7ii7 includes a       
qualifi$ l[ income build+1 z def9$ 9    
section #db ( ! ,int]nal ,rev5ue ,code (
 #aihf2 or  7,b7 consi/s ( n less ?an #e
 dwell+ units ( :i* n less ?an #bj p]c5t
 are made available-- 7i7 = r5tal only  
by a l[-income family2  7ii7 at a mon?ly

 r5t am\nt t does n exce$ #cj p]c5t ( ! 
mon?ly adju/$ income ( ! t5ant l[-income
 family2 &  7iii7 ma9ta9s af=dability = 
resid5ts :o are l[-income families = a  
p]iod ( n less ?an #cj ye>s2  7#i7 ! t]m
 relevant ag5cy head means1 ) respect to
 funds made available pursuant to any   
section ( ?is ,act1 ! head ( ! ,f$]al   
ag5cy responsible = adm9i/]+ ! program  
"u :i* ^? funds are to be exp5d$2 &     
7#aj7 ! t]m ,secret>y means ! ,secret>y 
( ,h\s+ & ,urban ,developm5t4  #d4      
,public ,h\s+ ,capital ,fund  7a7       
,au?orization ( appropriations  7#a7 ,9 
g5]al ,!re is au?oriz$ to be appropriat$
 = ! ,capital ,fund "u section #i7;d7 ( 
! ,unit$ ,/ates ,h\s+ ,act ( #aicg 7#db 
,u4,s4,c4 #adcg;g7d77 #gj1jjj1jjj1jjj4  
7#b7 ,availability ( funds ,any am\nts  
appropriat$ pursuant to ?is subsection  
%all rema9 available until ! date t is  
#e ye>s aft] ! date ( ! appropriation4  
7b7 ,requirem5ts ,! ,secret>y %all--    
7#a7 di/ribute n less ?an #ce p]c5t & n 
m ?an #ge p]c5t ( any am\nts appropriat$

 pursuant to subsection 7a7 "u ! same   
=mula us$ = am\nts made available = !   
,capital ,fund = fiscal ye> #bjai1      
except t ! ,secret>y may det]m9e n to   
allocate fund+ to public h\s+ ag5cies t 
are designat$ z tr\bl$ at ! "t ( su*    
det]m9ation or to public h\s+ ag5cies t 
elect n to accept su* fund+1 or bo?2 &  
7#b7 make available all rema9+ am\nts by
 competition = priority inve/m5ts1      
includ+ inve/m5ts t address lead haz>ds1
 o!r urg5t heal? & safety conc]ns1 & su*
 o!r priorities z ! ,secret>y may       
id5tify4  7c7 ,tim+ ,! ,secret>y %all   
obligate am\nts-- 7#a7 made available "u
 subsection 7b77#a7 )9 #cj days (       
enactm5t ( ! ,act appropriat+ su* funds2
 &  7#b7 made available "u subsection   
7b77#b7 )9 #ab mon?s ( enactm5t ( ! ,act
 appropriat+ su* funds4  7d7 ,limitation
 ,am\nts provid$ pursuant to ?is section
 may n be us$ = op]at+ co/s or r5tal    
assi/ance4  7e7 ,use ( funds ,n m ?an   
#j4e p]c5t ( any am\nt appropriat$      
pursuant to ?is section %all be us$ by !

 ,secret>y = co/s associat$ ) /aff1     
tra9+1 te*nical assi/ance1 te*nology1   
monitor+1 travel1 en=cem5t1 rese>*1 &   
evaluation4  7f7 ,monitor+ ,) respect to
 any public h\s+ ag5cy t is designat$ z 
tr\bl$ at ! "t t am\nts appropriat$     
pursuant to ?is section are obligat$ = !
 public h\s+ ag5cy1 ! ,secret>y %all    
provide additional monitor+ & ov]sight (
 ! public h\s+ ag5cy to ensure t any    
am\nts provid$ are us$ 9 accordance )   
?is section & any applicable laws4  7g7 
,supplem5t n supplant ,! ,secret>y %all 
ensure t am\nts provid$ pursuant to ?is 
section %all s]ve to supplem5t & n      
supplant o!r am\nts g5]at$ by a recipi5t
 ( ^? am\nts or am\nts provid$ by o!r   
,f$]al1 ,/ate1 or local s\rces4  7h7    
,wat] & en]gy effici5cy ,9 di/ribut+ any
 am\nts pursuant to subsection 7b71 !   
,secret>y %all give priority to public  
h\s+ ag5cies locat$ 9 ,/ates &          
localities t h a plan to increase wat] &
 en]gy effici5cy :5 develop+ or         
rehabilitat+ public h\s+ us+ di/ribut$  

am\nts4  #e4 ,rural ,multifamily        
,pres]vation & ,revitalization          
,demon/ration ,program  7a7 ,9 g5]al    
,!re is au?oriz$ to be appropriat$ =    
c>ry+ out ! ,multifamily ,pres]vation & 
,revitalization ,demon/ration program ( 
! ,rural ,h\s+ ,s]vice au?oriz$ "u      
sections #ead1 #eae1 & #eaf ( ! ,h\s+   
,act ( #aidi 7#db ,u4,s4,c4 #adhd1      
#adhe1 #adhf7 #a1jjj1jjj1jjj1 to rema9  
available until exp5d$4  7b7 ,wat] &    
en]gy effici5cy ,n less ?an #aj p]c5t ( 
all am\nts made available pursuant to   
?is section %all be us$ only =          
activities relat+ to wat] & en]gy       
effici5cy &1 at ! discretion ( !        
,secret>y ( ,agriculture1 o!r /rategies 
to r$uce emissions4  #f4 ,flood         
,mitigation ,assi/ance ,grant ,program  
7a7 ,9 g5]al ,!re is au?oriz$ to be     
appropriat$ = c>ry+ out ! ,flood        
,mitigation ,assi/ance ,grant ,program  
"u section #acff ( ! ,national ,flood   
,insurance ,act ( #aifh 7#db ,u4,s4,c4  
#dajd;c7 #a1jjj1jjj1jjj1 to rema9       

available until exp5d$4  7b7 ,flood risk
 mitigation ,except z provid$ 9         
subsection 7c71 ! ,adm9i/rator %all     
require t any /ructure t is locat$ 9 an 
area hav+ special flood haz>ds %all be  
elevat$ ) ! l[e/ floor1 includ+ !       
basem5t1 n less ?an #b feet above ! base
 flood level if ! /ructure1 ) am\nts    
appropriat$ pursuant to ?is section--   
7#a7 is newly con/ruct$2  7#b7 receives 
repairs to sub/antial damage1 or  7#c7  
receives sub/antial improvem5t4  7c7    
,multifamily resid5ces & atta*$ &       
semi-,atta*$ homes ,) reg>d to any      
/ructure t is a multifamily resid5ce or 
an atta*$ or semi-atta*$ resid5ce1 !    
,adm9i/rator %all--  7#a7 consult ) !   
,secret>y & e/abli% alt]native =ms (    
mitigation2 &  7#b7 exempt any          
multifamily resid5ce or any atta*$ or   
semi-atta*$ resid5ce t meets !          
requirem5ts ( any su* alt]native =ms (  
mitigation f ! requirem5ts "u subsection
 7b74  7d7 ,wat] & en]gy effici5cy ,n   
less ?an #aj p]c5t ( all am\nts made    

available pursuant to ?is section %all  
be us$ only = activities relat+ to wat] 
& en]gy effici5cy &1 at ! discretion ( !
 ,adm9i/rator1 o!r /rategies to r$uce   
emissions4  #g4 ,h\s+ ,tru/ ,fund  7a7  
,9 g5]al ,!re is au?oriz$ to be         
appropriat$ = ! ,h\s+ ,tru/ ,fund "u    
section #acch ( ! ,h\s+ & ,urban        
,developm5t ,act ( #aiib 7#ab ,u4,s4,c4 
#defh7 #e1jjj1jjj1jjj1 to rema9         
available until exp5d$4  7b7 ,priority  
,! ,secret>y %all ensure t priority =   
occupancy 9 dwell+ units assi/$ ) am\nts
 made available pursuant to ?is section 
t become available = occupancy %all be  
giv5 to p]sons & h\seholds :o are       
homeless or at risk ( homelessness4  7c7
 ,wat] & en]gy effici5cy ,n less ?an #aj
 p]c5t ( all am\nts made available      
pursuant to ?is section %all be us$ only
 = activities relat+ to wat] & en]gy    
effici5cy &1 at ! discretion ( !        
,secret>y1 o!r /rategies to r$uce       
emissions4  #h4 ,s+le-,family ,h\s+     
,repair ,loans & ,grants  7a7 ,9 g5]al  

,!re is au?oriz$ to be appropriat$ =    
c>ry+ out s+le family h\s+ repair loans 
& grants "u section #ejd ( ! ,h\s+ ,act 
( #aidi 7#db ,u4,s4,c4 #adgd7           
#ajj1jjj1jjj1 to rema9 available until  
exp5d$4  7b7 ,wat] & en]gy effici5cy ,n 
less ?an #aj p]c5t ( all am\nts made    
available pursuant to ?is section %all  
be us$ only = activities relat+ to wat] 
& en]gy effici5cy &1 at ! discretion ( !
 ,secret>y ( ,agriculture1 o!r /rategies
 to r$uce emissions4  #i4 ,native       
,am]ican ,h\s+ ,block ,grant ,program   
7a7 ,9 g5]al ,!re is au?oriz$ to be     
appropriat$ = c>ry+ out ! ,native       
,am]ican h\s+ block grant program "u    
title ,i ( ! ,native ,am]ican ,h\s+     
,assi/ance & ,self-,det]m9ation ,act (  
#aiif 7#be ,u4,s4,c4 #daaa et seq47     
#a1jjj1jjj1jjj1 to rema9 available until
 exp5d$4  7b7 ,wat] & en]gy effici5cy ,n
 less ?an #aj p]c5t ( all am\nts made   
available pursuant to ?is section %all  
be us$ only = activities relat+ to wat] 
& en]gy effici5cy &1 at ! discretion ( !

 ,secret>y1 o!r /rategies to r$uce      
emissions4  #aj4 ,,home ,inve/m5t       
,p>tn]%ips ,program  7a7 ,9 g5]al ,!re  
is au?oriz$ to be appropriat$ = c>ry+   
out ! ,,home ,inve/m5t ,p>tn]%ip        
,program "u title ,,ii ( !              
,cran/on-,gonzalez ,national ,af=dable  
,h\s+ ,act 7#db ,u4,s4,c4 #abgba et     
seq47 #e1jjj1jjj1jjj1 to rema9 available
 until exp5d$4  7b7 ,wat] & en]gy       
effici5cy ,n less ?an #aj p]c5t ( all   
am\nts made available pursuant to ?is   
section %all be us$ only = activities   
relat+ to wat] & en]gy effici5cy &1 at !
 discretion ( ! ,secret>y1 o!r /rategies
 to r$uce emissions4  #aa4 ,program =   
supportive h\s+ = p]sons ) disabilities 
7a7 ,9 g5]al ,!re is au?oriz$ to be     
appropriat$ #b1ejj1jjj1jjj = project    
r5tal assi/ance "u ! program =          
supportive h\s+ = p]sons ) disabilities 
"u section #haa7;b77#c7 ( !             
,cran/on-,gonzalez ,national ,af=dable  
,h\s+ ,act 7#db ,u4,s4,c4 #hjac7;b77#c77
 = ,/ate h\s+ f9ance ag5cies1 to rema9  

available until exp5d$4  7b7 ,wat] &    
en]gy effici5cy ,n less ?an #aj p]c5t ( 
all am\nts made available pursuant to   
?is section %all be us$ only =          
activities relat+ to wat] & en]gy       
effici5cy &1 at ! discretion ( !        
,secret>y1 o!r /rategies to r$uce       
emissions4  #ab4 ,program = supportive  
h\s+ = ! eld]ly  7a7 ,9 g5]al ,!re is   
au?oriz$ to be appropriat$              
#b1ejj1jjj1jjj =-- 7#a7 capital advances
 pursuant to section #bjb7;c77#a7 ( !   
,h\s+ ,act ( #aiei 7#ab ,u4,s4,c4       
#agjaq7c77#a771 includ+ am5dm5ts to     
capital advance contracts = h\s+ = !    
eld]ly z au?oriz$ by section #bjb ( su* 
,act2  7#b7 project r5tal assi/ance = ! 
eld]ly "u section #bjb7;c77#b7 ( su*    
,act1 includ+ am5dm5ts to contracts =   
su* assi/ance & r5ewal ( expir+         
contracts = su* assi/ance = up to a     
#a-ye> t]m2  7#c7 s5ior pres]vation     
r5tal assi/ance contracts1 includ+      
r5ewals1 z au?oriz$ by section #haa7;e7 
( ! ,am]ican ,h\s+ & ,economic          

,opportunity ,act ( #bjjj 7#ab ,u4,s4,c4
 #agjaq note72 &  7#d7 supportive       
s]vices associat$ ) h\s+ assi/$ "u      
p>agraph 7#a71 7#b71 or 7#c74  7b7      
,availability ( am\nts ,any am\nts      
appropriat$ pursuant to ?is section %all
 rema9 available until ,septemb] #cj1   
#bjbc4  7c7 ,wat] & en]gy effici5cy ,n  
less ?an #aj p]c5t ( all am\nts made    
available pursuant to ?is section %all  
be us$ only = activities relat+ to wat] 
& en]gy effici5cy &1 at ! discretion ( !
 ,secret>y1 o!r /rategies to r$uce      
emissions4  #ac4 ,capital ,magnet ,fund 
7a7 ,9 g5]al ,!re is au?oriz$ to be     
appropriat$ = ! ,capital ,magnet ,fund  
"u section #acci ( ! ,f$]al ,h\s+       
,ent]prises ,f9ancial ,safety &         
,s\ndness ,act ( #aiib 7#ab ,u4,s4,c4   
#defi7 #b1ejj1jjj1jjj1 to rema9         
available until exp5d$4  7b7 ,wat] &    
en]gy effici5cy ,n less ?an #aj p]c5t ( 
all am\nts made available pursuant to   
?is section %all be us$ only =          
activities relat+ to wat] & en]gy       

effici5cy &1 at ! discretion ( !        
,secret>y1 o!r /rategies to r$uce       
emissions4  #ad4 ,community developm5t  
block grant fund+ = af=dable h\s+ &     
infra/ructure  7a7 ,au?orization (      
appropriations  7#a7 ,9 g5]al ,subject  
to ! provisions ( ?is section1 !re is   
au?oriz$ to be appropriat$ = assi/ance  
"u ! community developm5t block grant   
program "u title ,i ( ! ,h\s+ &         
,community ,developm5t ,act ( #aigd 7#db
 ,u4,s4,c4 #ecja et seq47               
#aj1jjj1jjj1jjj1 to rema9 available     
until exp5d$4  7#b7 ,adm9i/rative &     
plann+ co/s ,n m ?an #ae p]c5t ( any    
am\nts appropriat$ pursuant to p>agraph 
7#a7 may be us$ = adm9i/rative & plann+ 
co/s4  7b7 ,eligible activities ,am\nts 
made available = assi/ance "u ?is       
section may be us$ only =-- 7#a7 !      
developm5t & pres]vation ( qualifi$     
af=dable h\s+1 includ+ ! con/ruction (  
su* h\s+2  7#b7 ! responsible elim9ation
 or waiv+ ( zon+ requirem5ts & o!r      
requirem5ts t limit af=dable h\s+       

developm5t1 includ+ high d5sity &       
multifamily developm5t re/rictions1     
(f-/reet p>k+ requirem5ts1 & height     
limitations2 &  7#c7 any project or     
entity eligible = a discretion>y grant  
provid$ by ! ,dep>tm5t (                
,transportation4  7c7 ,limitation ,)    
respect to am\nts us$ pursuant to       
subsection 7b77#b71 ! ,secret>y %all    
ensure t recipi5ts ( am\nts provid$     
pursuant to ?is section are n inc5tiviz$
 or o!rwise rew>d$ = elim9at+ or und]m9+
 ! int5t ( ! zon+ regulations or o!r    
regulations or policies t--  7#a7       
e/abli% fair wages = labors2  7#b7      
ensure ! heal? & safety ( build+s =     
resid5ts & ! g5]al public2  7#c7 protect
 fair h\s+2  7#d7 provide environm5tal  
protections2  7#e7 prev5t t5ant         
displacem5t2 or  7#f7 protect any o!r   
int]e/ t ! ,secret>y det]m9es is 9 !    
public int]e/ to pres]ve4  7d7          
,competition ,am\nts made available =   
assi/ance "u ?is section %all be aw>d$  
to ,/ates1 units ( g5]al local gov]nm5t1

 & ,indian ,tribes on a competitive     
basis1 bas$ on ! ext5t to :i* !         
applicant--  7#a7 demon/rates t !       
applicant is responsibly /reaml9+ !     
process = developm5t ( qualifi$ af=dable
 h\s+2  7#b7 is elim9at+ or r$uc+ impact
 fees = h\s+ )9 b\nd>ies ( ! ,/ate1 unit
 ( local gov]nm5t1 or ,indian ,tribe1 z 
applicable1 except su* fees t are us$ = 
! purposes ( develop+ h\s+1 & o!r       
assessm5ts by ,/ate or local gov]nm5ts  
^u ! own]s ( new h\s+ developm5t        
projects t (fset gov]nm5tal capital     
exp5ditures = infra/ructure requir$ to  
s]ve or made necess>y by ! new h\s+     
developm5ts2 &  7#c7 provides assurances
 t ! applicant w supplem5t assi/ance    
provid$ "u ?is section ) am\nts f       
non-,f$]al s\rces = co/s ( ! qualifi$   
af=dable h\s+ or infra/ructure eligible 
"u subsection 7b7 to be fund$ )         
assi/ance "u ?is section1 & ! ext5t (   
su* supplem5tal assi/ance to be provid$4
  7e7 ,wat] & en]gy effici5cy ,n less   
?an #aj p]c5t ( all am\nts made         

available pursuant to ?is section %all  
be us$ only = activities relat+ to wat] 
& en]gy effici5cy &1 at ! discretion ( !
 ,secret>y1 o!r /rategies to r$uce      
emissions4  #ae4 ,inclusion ( m9ority & 
wom5's bus9ess ent]prises ,x %all be !  
duty ( ea* relevant ag5cy head-- 7#a7 to
 consult & coop]ate ) grantees &        
recipi5ts1 :5 utiliz+ funds made        
available pursuant to ?is ,act1 to      
promote ! inclusion ( m9ority & wom5's  
bus9ess ent]prises1 includ+ to e/abli%--
  7,a7 special consid]ation to increas+ 
grantee & recipi5t outrea* to m9ority & 
wom5's bus9ess ent]prises to in=m ^?    
bus9esses ( hir+ opportunities creat$   
?r\gh su* funds2 &  7,b7 procurem5t     
goals = ! utilization ( m9ority & wom5's
 bus9ess ent]prises2 &  7#b7 to conv5e  
meet+s ) lead]s & (ficials ( ,/ate &    
local gov]nm5ts1 ,tribal entities1 &    
public h\s+ ag5cies = ! purpose (       
recomm5d+ & promot+ fund+ opportunities 
& initiatives ne$$ to advance ! position
 ( m9ority & wom5's bus9ess ent]prises  

:5 compet+ = funds provid$ 9 ?is ,act4