,,ii #aaf? ,,congress #b;d ,session ,s4 #cdhd ,,9 ,,! ,,s5ate ,,( ,,! ,,unit$ ,,/ates ,m>* #ab1 #bjbj,mrs4 ,gillibr& introduc$ ! foll[+ bill2 :i* 0 read twice & ref]r$ to ! ,committee on ,heal?1 ,education1 ,labor1 & ,p5sions ,a ,,bill ,to au?orize ! e/abli%m5t ( ,,hope ,acc\nt ,pilot ,projects1 ,,hope ,action ,plans ,pilot ,projects1 & competitive grants = pilot projects4 #a4 ,%ort title ,?is ,act may be cit$ z ! ,heal?1 ,opportunity1 & ,p]sonal ,emp[]m5t ,act ( #bjbj or ,,hope ,act ( #bjbj4 #b4 ,f9d+s ,congress f9ds ! foll[+3 7#a7 ,9 #bjah1 accord+ to ! ,dep>tm5t ( ,agriculture1 #cg1bjj1jjj individuals 9 ! ,unit$ ,/ates 7includ+ #aa1ajj1jjj *ildr57 liv$ 9 food insecure h\seholds4 ,t equals #a 9 #i individuals & #a 9 #g *ildr54 7#b7 ,9 #bjag1 accord+ to ! ,bureau ( ! ,c5sus1 #ch1ajj1jjj individuals 7includ+ #ac1bjj1jjj *ildr57 liv$ bel[ ! ,f$]al pov]ty l9e4 ,! majority ( ^! individuals liv+ 9 pov]ty 7 work+ p1 *ildr51 old] individuals1 & individuals ) disabilities4 7#c7 ,_m l[-income individuals "w multiple jobs &1 contr>y to common misconceptions1 if unemploy$1 !y sp5d a great deal ( "t look+ = "w4 ,!y (t5 travel by public transportation1 labori\sly mak+ multiple connections to %uttle betwe5 home1 "w1 social s]vice ag5cies1 h\ses ( wor%ip1 & groc]y /ores4 ,= ^? liv+ 9 rural & suburban areas f> f "w & )\t adequate public transportation !y rely ^u vehicles to get to "w1 b ^! are (t5 less reliable secondh& vehicles1 t (t5 break d[n4 ,f travel+ great] di/ances betwe5 available jobs & livable areas ) af=dable h\s+ options1 seek+ out sc>ce *ildc>e options t fit a tight budget & a con/ra9$ travel s*$ule1 & c>+ = eld]ly p>5ts or gr&p>5ts because a s5ior liv+ facility is n f9ancially reali/ic1 l[-income individuals h little sp>e "t4 7#d7 ,:ile gov]nm5t safety net programs help t5s ( million ( individuals avoid />vation1 homelessness1 & o!r outcomes ev5 m dreadful ?an ev]yday pov]ty1 !re are significant ob/acles t ^? seek+ & ma9ta9+ gov]nm5t assi/ance face = z long z !y are eligible4 ,qualifi$ applicants are (t5 requir$ to travel significant di/ances to multiple gov]nm5t (fices1 prep>+ & submitt+ piles ( ne>ly id5tical pap]work to access ! diff]5t gov]nm5t assi/ance programs4 ,ev5 :5 ! application process beg9s onl9e1 ! eligible applicant is typically /ill requir$ to physically foll[ up ) ea* gov]nm5t (fice ) physical copies1 = ne> id5tical meet+s4 ,z a result1 _m l[-income p are actually unaw>e ( all ! gov]nm5t b5efits = :i* !y are eligible1 r$uc+ ! am\nt ( help go+ to individuals 9 ne$ by t5s ( billions ( doll>s e ye>4 ,! l9es 9 ^! (fices c seem endless1 & sometimes cli5ts ne$ to wait outside1 = h\rs1 9 ! wor/ k9ds ( wea!r4 ,_m (fices don't h week5d or night h\rs1 s an applicant is at risk ( los+ wages :5 (t5 _! only option is to apply = gov]nm5t help dur+ "w h\rs4 7#e7 ,ea* ye>1 _m vital gov]nm5t programs g und]utiliz$ because eligible b5efici>ies are h9d]$ by obtrusive1 "t consum+1 & repetitive application b>ri]s4 ,9 #bjae1 accord+ to ! ,dep>tm5t ( ,agriculture1 #ae p]c5t ( all p eligible = supplem5tal nutrition assi/ance program 7ref]r$ to 9 ?is section z ,,snap71 #be p]c5t ( ! work+ poor eligible = ,,snap1 & #ee p]c5t ( s5iors ov] #fj :o 7 eligible fail$ to receive x4 7#f7 ,! ,unit$ ,/ates has hundr$s ( ?\s&s ( nonpr(it gr\ps provid+ high quality & mu* ne$$ social s]vices1 b x is ne>ly impossible = /ruggl+ p to det]m9e :i* ( ^? organizations provides s]vices !y ne$1 :e!r ! organization is conv5i5tly locat$1 & = :i* s]vices !y are eligible4 ,if !y d det]m9e t a nonpr(it 7or multiple nonpr(its7 c\ld help1 !y ne$ to take yet m "t to visit ea* "o4 7#g7 ,s9ce _m gov]nm5t & nonpr(it programs require frequ5t reapplications & rec]tifications1 a l[-income p]son (t5 has to repeat ! same endless & fru/rat+ process4 7#h7 ,te*nology has fundam5tally revamp$ ! lives ( mo/ individuals1 usually = ! bett]4 ,accord+ to ! ,pew ,rese>* ,c5t]1 #fd p]c5t ( l[-income individuals h a sm>t phone z ( #bjaf 7n because a sm>t phone is a luxury b because x is an ess5tial tool ( le>n+ & "w 9 mod]n ,am]ica7 b !y r>ely c use ^! devices to apply = b5efits4 ,digital te*nology1 comb9$ ) policy improvem5ts1 c simplify ! lives & boo/ ! long-t]m self-suffici5cy ( our l[e/ income resid5ts4 #c4 ,def9itions ,9 ?is ,act3 7#a7 ,secret>ies ,! t]m ,secret>ies means ! ,secret>y ( ,heal? & ,human ,s]vices1 ! ,secret>y ( ,agriculture1 & ! ,secret>y ( ,h\s+ & ,urban ,developm5t1 act+ collaboratively4 7#b7 ,eligible entity ,! t]m eligible pilot community means a ,/ate1 unit ( g5]al purpose local gov]nm5t1 ,tribal gov]nm5t1 or an entity t repres5ts a small] geographical area !re9 7includ+ a neighborhood74 7#c7 ,t>get population ,! t]m t>get population includes an individual or h\sehold t-- 7,a7 e>ns an income bel[ #bjj p]c5t ( ! ,f$]al pov]ty l9e2 7,b7 suff]s f food insecurity2 7,c7 e>ns insuffici5t income to ensure food security or economic security2 7,d7 lives 9 a rural1 suburban1 or urban community t suff]s f pov]ty1 hung]1 or food insecurity2 7,e7 is homeless2 7,f7 receives 7or rec5tly receiv$7 assi/ance "u a ,/ate program fund$ "u "p ,a ( title ,,iv ( ! ,social ,security ,act 7#db ,u4,s4,c4 #fja et seq471 relat+ to tempor>y assi/ance to ne$y families2 7,g7 is eligible = b5efits "u any ,f$]al nutrition assi/ance program or ,f$]al antipov]ty program2 or 7,h7 is =m]ly a y\? 9 transition f fo/] c>e or ! juv5ile det5tion facilities4 7#d7 ,p>tn] nonpr(it organization ,! t]m p>tn] nonpr(it organization means any national1 regional1 ,/ate1 or local nonpr(it gr\p describ$ 9 section #eja7;c77#c7 ( ! ,int]nal ,rev5ue ,code ( #aihf & exempt f tax "u section #eja7;a7 ( su* ,code4 #d4 ,,hope ,acc\nts ,pilot ,projects 7a7 ,pilot projects au?oriz$ ,! ,secret>ies %all all[ eligible entities t apply to su* ,secret>ies to c>ry out ,heal?1 ,opportunity1 & ,p]sonal ,emp[]m5t 7,,hope7 ,acc\nts ,pilot ,projects to enable t>get populations ( individuals to e/abli% ?r\gh banks1 cr$it unions1 & any gov]nm5tal or ,tribal ag5cies ,,hope acc\nts t enable su* individuals-- 7#a7 to h _! pay*ecks deposit$ directly 9 su* acc\nts2 7#b7 to use su* acc\nts to increase sav+s t w\ld be mat*$ ) funds provid$ by gov]nm5t & private s\rces1 includ+ individual developm5t acc\nts2 7#c7 to use an acc\nt mobile application on a sm>t phone to easily locate & sign up = job tra9+ & placem5t s]vices onl9e2 7#d7 to enable su* individuals to use any sm>t phone1 tablet1 or comput]-- 7,a7 to le>n ab\t ! public & philan?ropic programs t provide b5efits to su* individuals1 includ+ aid to improve heal?1 nutrition1 job tra9+ & placem5t1 h\s+1 & income2 7,b7 to receive ,f$]al & ,/ate tax cr$its2 & 7,c7 to apply =1 submit eligibility docum5ts =1 enroll 91 & manage ! use ( su* b5efits at once ?r\gh ! conv5i5ce ( _! device if individuals or _! h\seholds are eligible = "o or m ( su* b5efits2 7#e7 to receive a basic sm>t phone1 tablet1 or comput]1 along ) a subsidiz$ int]net ,wi-,fi access plan1 if su* individuals d n own a sm>t phone1 tablet1 or comput]2 7#f7 to obta9 ! access & in=mation describ$ 9 p>agraph 7#d7 ) assi/ance at libr>ies1 gov]nm5t (fices1 or nonpr(it ag5cies if su* individuals are uncom=table us+ int]net te*nology !mselves2 7#g7 to obta9 access to ! in=mation describ$ 9 p>agraph 7#d71 ) ! assi/ance ( gov]nm5t or nonpr(it employees1 ,ameri,corps national s]vice p>ticipants1 or ,s5ior ,corps memb]s1 to receive home visits if su* individuals are eld]ly or disabl$2 7#h7 to access heal? c>e in=mation t specifies m$ical b5efits1 & any out-(-pocket co/s1 = ea* ( ! heal? plans = :i* su* individuals may be eligible1 & to emp[] su* individuals to easily select ! plan t works be/ = !m2 7#i7 to enable su* individuals to file directly 7& )\t exp5d+ funds to obta9 ?ird-p>ty tax fil+ s]vices7 to obta9 ,f$]al tax cr$its & refunds1 & 9 ,/ates & localities ) _! own supplem5tal tax cr$its1 to simultane\sly file = cr$its & refunds2 7#aj7 to deposit ca% 9 ! acc\nt t is set aside = education1 job tra9+1 />t+ a bus9ess1 or buy+ a home & t w\ld be nontaxable2 7#aa7 to easily access & monitor1 9 #a c5tral onl9e acc\nt-- 7,a7 to be able to *eck ! /atus1 am\nts1 & rec]tification deadl9es = "s or all _! b5efits & sav+s2 & 7,b7 to pay all bills onl9e1 sav+ high *eck ca%+ fees & enorm\s am\nts ( "t2 7#ab7 to budget res\rces by us+ real-"t ca% fl[ data & long-t]m f9ancial plann+ data1 includ+ calculat+ h[ mu* su* individuals w\ld lose 9 int]e/ on cr$it c>ds v]sus h[ mu* su* individuals w\ld ga9 9 int]e/ by sav+ m2 7#ac7 to access cal5d> & s*$ul+ functions t enable individuals to keep track ( all job se>*1 "w1 family1 & s*ool obligations1 z well z any social s]vice fil+ or appo9tm5t dates2 7#ad7 to be protect$ by security & privacy sy/ems s t only su* individuals1 & n ! gov]nm5t1 nonpr(it1 or bank+ p>tn]s1 w\ld be able to see or track private f9ancial & appo9tm5t in=mation2 & 7#ae7 not)/&+ o!r provisions ( law1 to all[ program applicants to easily & cle>ly au?orize _! %>+ ( p]sonal & f9ancial in=mation ) multiple gov]nm5t ag5cies1 solely = ! purpose ( ^? gov]nm5t ag5cies enabl+ ! individuals to apply = & utilize gov]nm5t b5efits4 7b7 ,fiscal ,ye>s ,pilot projects au?oriz$ by subsection 7a7 %all be c>ri$ out = a #a-ye> p]iod 9 ea* ( ! fiscal ye>s #bjbj ?r\gh #bjbe4 #e4 ,,hope ,action ,plans ,pilot ,projects 7a7 ,pilot projects au?oriz$ ,! ,secret>ies %all all[ eligible entities t apply to su* ,secret>ies to c>ry out ,,hope ,action ,plans ,pilot ,projects to enable t>get populations ( individuals to p>tn] ) gov]nm5t & nonpr(it organizations by ent]+ into volunt>y agreem5ts to c>ry out long-t]m ,,hope action plans t-- 7#a7 specify exactly h[ ! p>ties to su* plans w help su* individuals & _! families e>n1 le>n1 & save bett] 9 ord] to ensure great] economic opportunity = !mselves & _! *ildr5 by work+ toge!r 9 a long-t]m1 positive relation%ip = ! purpose ( ensur+ upw>d mobility2 7#b7 are design$ to emp[] su* individuals & _! families to bett] organize _! "t & focus _! activities on productive endeavors :ile provid+ !m extra res\rces to d s2 7#c7 may be-- 7,a7 %ort-t]m1 conduct$ ov] a ye> or #b ye>s1 & aim$ at help+ families a*ieve v basic goals1 su* z avoid+ homelessness & hung]2 or 7,b7 long-t]m ) f> m ambiti\s goals = upw>d mobility2 & 7#d7 w\ld require t p>ticipat+ individuals & families1 gov]nm5t entities1 & nonpr(it p>tn]s h equal rights to hold ea* o!r acc\ntable = plan outcomes & fund+4 7b7 ,fiscal ,ye>s ,pilot projects au?oriz$ by subsection 7a7 %all be c>ri$ out 9 ea* ( ! fiscal ye>s #bjbj ?r\gh #bjbe4 #f4 ,competitive grants = pilot projects 7a7 ,application = grant ,! ,secret>ies %all ea* create grant application processes to competitively make grants to eligible entities to aid t>get populations4 ,to be eligible to receive a grant = a fiscal ye> "u ?is section1 eligible entities %all submit to ! appropriate ,secret>y an application t conta9s a description ( h[ ! applicant proposes to use ! grant funds to implem5t ! compon5ts ( ! pilot projects au?oriz$ by ?is section4 ,applications %all be submitt$ 9 su* =m1 at su* "t1 & conta9+ su* o!r in=mation z ! ,secret>ies may require4 7b7 ,=m ( grants ,if a ,secret>y f9ds x appropriate1 ! ,secret>y may use coop]ative agreem5ts1 z describ$ 9 section #fcje ( title #ca1 ,unit$ ,/ates ,code1 = purposes ( mak+ grants "u ?is section4 7c7 ,am\nt ( grant ,grants made "u ?is section %all range 9 am\nts f #bej1jjj to #c1jjj1jjj1 & %\ld be proportionate to ! geographical size1 project complexity1 & numb] ( individuals p>ticipat+ 9 ea* project4 ,eligible entities may receive grants made "u ?is section by two or m ( ! ,secret>ies4 ,to ! ext5t funds are available1 ea* ,secret>y %all make n few] ?an #h su* grants annually4 7d7 ,di/ribution ( grants ,to ! ext5t practicable1 ! ,secret>ies %all make grants = pilot projects t op]ate /atewide1 z well z pilot projects design$ to s]ve specific rural1 urban1 & suburban areas4 ,to ! ext5t practicable1 pilot projects = :i* grants are made %all be di/ribut$ among div]se adm9i/rative regions ( ,dep>tm5t ( ,h\s+ & ,urban ,developm5t1 ! ,dep>tm5t ( ,heal? & ,human ,s]vices1 & ! ,dep>tm5t ( ,agriculture4 7e7 ,pref]5ce ,= purposes ( mak+ grants "u ?is section1 pref]5ce %all be giv5 = pilot projects t-- 7#a7 s]ve individuals 9 hi/orically und]s]v$1 high-pov]ty1 rural or urban communities2 7#b7 simultane\sly te/ bo? ,,hope ,acc\nts & ,,hope ,action ,plans2 7#c7 involve l[-income individuals z equal p>tn]s 9 project plann+ & implem5tation2 7#d7 make additional funds available directly to l[-income h\seholds ?r\gh action plans1 ei!r ?r\gh gov]nm5t paym5ts or ?r\gh nonpr(it subgrantees2 7#e7 are mat*$ by consid]able non-,f$]al funds )\t p5aliz+ v-l[ income1 und]s]v$ rural & urban communities t _c provide non-,f$]al mat*+ funds2 7#f7 propose concrete plans = long-t]m su/a9ability & expansions )\t future ,f$]al grant funds2 7#g7 assi/ l[-income h\seholds to apply = ! ,f$]al e>n$ income tax cr$its & ,/ate tax cr$its2 7#h7 provide res\rces 9 bo? ,engli% & additional languages commonly spok5 9 ! applicable area2 7#i7 prioritize cli5t-fac+1 fully te/$ te*nology & mobile device applications2 7#aj7 include a robu/ monitor+ & evaluation plann+ & report+ plan1 includ+ propos$ /aff+ & report+ = t plan1 includ+ report+ on ! ext5t to :i* ! pilot makes x easi]1 quick]1 & less co/ly = l[-income individuals to access a v>iety ( b5efits1 ! ext5t to :i* ! pilot w save adm9i/rative funds ov] ! long-run1 ! ext5t to :i* ! accuracy & integrity ( ! b5efits programs includ$ are ma9ta9$ or improv$1 & ! ext5t to :i* l[-income h\seholds are able to m easily obta9 free or l[-co/ bank+ s]vices2 7#aa7 subcontract "p ( ! pilot project implem5tation "w to ,unit$ ,/ates-bas$ private bus9esses1 banks1 sav+s & loans1 cr$it unions1 co-ops & nonpr(it organizations describ$ 9 section #eja7;c77#c7 ( ! ,int]nal ,rev5ue ,code ( #aihf ) relevant1 successful exp]i5ce 9 simil> or relat$ project activities2 7#ab7 incorporate a b5efits calculator to enable applicants to le>n h[ ! receipt ( "s b5efits might or might n impact :e!r !y are eligible = o!r b5efits & might impact ! am\nt ( ^? o!r b5efits = :i* !y are eligible2 7#ac7 include plann+ & fund+ = ! pilot entities to tra9 _! /affs & cli5ts to utilize ! new te*nologies2 7#ad7 9 rural & o!r areas )\t /rong broad-b& s]vice1 integrate activities "u ! grant ) o!r activities to /r5g!n local-broad b& s]vice2 7#ae7 enable l[-income individuals to obta9 free or r$uc$ price sm>t phones & free or r$uc$-price data s]vices2 7#af7 ensure t individuals )\t p]sonal sm>t phone1 tablet1 or comput] access are able to b5efit f ! sy/ems & te*nological improvem5ts 9 ! pilot projects at public locations su* z public libr>ies1 community c5t]s1 & social s]vice (fices2 7#ag7 propose a detail$1 workable plan to ?or\ghly beta te/ & field te/ any new te*nologies or sy/ems 9 ! pilot project be=e mak+ su* te*nologies or sy/ems available to all h\seholds1 individuals1 or ! entire pilot area2 & 7#ah7 id5tify ! applicable ,f$]al1 ,/ate1 local1 or ,tribal /atutory & regulatory au?orities1 includ+ waiv] au?orities1 to be pot5tially lev]ag$ to mo/ effectively implem5t ! propos$ pilot project4 #g4 ,,hope te*nology innovation contracts 7a7 ,au?ority ,! ,secret>y ( ,heal? & ,human ,s]vices1 9 consultation ) ! ,secret>y ( ,agriculture & ! ,secret>y ( ,h\s+ & ,urban ,developm5t1 %all hold a m]it-bas$ competition to aw>d ,,hope ,te*nology ,innovation ,contracts to ,unit$ ,/ates-bas$ private bus9esses & nonpr(it organizations describ$ 9 section #ejc7;c77#c7 ( ! ,int]nal ,rev5ue ,code ( #aihf ) relevant1 successful exp]i5ce 9 te*nology1 to create te*nology1 includ+ mobile applications1 widgets1 & templates t pilot entities c use to create ,,hope acc\nts4 7b7 ,numb] ( contracts ,! ,secret>y %all aw>d no m ?an t5 & n few] ?an two su* contracts ea* fiscal ye>4 7c7 ,size ( contracts ,contracts may range 9 size f #bjj1jjj to #d1ejj1jjj4 7d7 ,availability to ! public ,all te*nologies develop$ ) fund+ provid$ "u ?is section %all be op5-s\rc$ & available to ! public = free4 7e7 ,h\sehold data ,no contractor %all h access to any cli5t or h\sehold data ?r\gh a project "u ?is section1 unless su* contractor is a contractor or subgrantee = a pilot entity1 9 :i* case su* contractor may h limit$1 functional access to su* data4 ,9 no case %all a contractor %>e or sell cli5t or h\sehold data4 7f7 ,pref]5ces ,9 mak+ aw>ds "u ?is section1 ! ,secret>y ( ,heal? & ,human ,s]vices %all give pref]5ce to applicants t ensure ! foll[+ ) respect to ! applicable te*nology3 7#a7 ,cli5t-fac+ te*nology ) top pref]5ces mobile device applications & uses & second>y pref]5ces to tablet & comput] & text+ uses4 7#b7 ,incorporate fail-safe sy/ems to ma9ta9 ! privacy & security ( data4 7#c7 ,are easily adaptable at ! l[e/ possible f9ancial co/s ) ! lea/ possible /aff "t by pilot entities & o!r ,/ate1 c\nty1 city1 municipal1 & ,tribal gov]nm5ts 9 a mann] t c easily be utiliz$ by l[-income individuals4 7#d7 ,build 9 ! ability to be easily updat$ z te*nologies evolve4 #h4 ,ma9t5ance ( ef=t & nondisplacem5t ( work]s ,none ( ! pilot projects c>ri$ out "u ?is ,act %all d any ( ! foll[+3 7#a7 ,decrease ! ov]all monet>y value ( ,f$]al1 ,/ate1 local1 or ,tribal gov]nm5t fund+ assi/ance giv5 to any individual or family1 al?\gh all entities involv$ c\ld indep5d5tly1 or jo9tly1 increase fund+ "u su* projects4 7#b7 ,decrease ! ov]all ,f$]al1 ,/ate1 local1 or ,tribal gov]nm5t fund+ = antipov]ty programs sp5t by p>ticipat+ pilot communities & ag5cies1 al?\gh all entities involv$ may indep5d5tly1 or jo9tly1 increase fund+4 7#c7 ,l5g!n ! am\nt ( "t or increase ! requirem5ts necess>y to receive any gov]nm5t b5efits1 or 9 any way make x m difficult to obta9 any =m ( gov]nm5t assi/ance4 7#d7 ,limit ! legal rights ( anyone 9 ! t>get populations to receive gov]nm5t or nonpr(it assi/ance4 7#e7 ,decrease ov]all public sector employm5t 9 any eligible pilot community1 b public employees c\ld be transf]r$ at simil> or high] sal>ies & pay grades f positions t ov]see pap]work to positions t provide direct s]vices to ! public1 assum+ su* transf]s d n violate collective b>rag+ agreem5ts or _! o!r rights z public employees4 7#f7 ,decrease or increase "w requirem5ts = exi/+ gov]nm5t programs4 7#g7 ,r$uce program integrity measures or increase ! possibility ( fraud 9 any gov]nm5t program4 7#h7 ,track or monitor ! physical location or immigration /atus ( immigrants1 be us$ = any immigration en=cem5t activity aga9/ any individuals1 or be us$ to provide any data :atsoev] to ag5cies involv$ 9 immigration en=cem5t activities or policy4 7#i7 ,enable any pilot entity or contractor1 subcontractor1 or p>tn] ( any pilot entity to %>e or sell cli5t or h\sehold data obta9$ ?r\gh ^? projects4 7#aj7 ,elim9ate ! exi/+ ability ( applicants to apply =1 rec]tify1 or manage gov]nm5t b5efits by physically visit+ a gov]nm5t (fice4 #i4 ,annual reports to ,congress 7a7 ,report ,n lat] ?an ,septemb] #cj ( ea* ( fiscal ye>s #bjbj ?r\gh #bjbf1 ! ,secret>ies %all submit to ,congress a report on ! results ( pilot projects c>ri$ out "u ?is ,act4 7b7 ,cont5ts ( report ,ea* report "u subsection 7a7 %all include detail$ data on ! ext5t to :i* ! pilot makes x easi]1 quick]1 & less co/ly = l[-income individuals to access a v>iety ( b5efits1 ! ext5t to :i* ! pilot w save adm9i/rative funds ov] ! long-t]m1 ! ext5t to :i* ! accuracy & integrity ( ! b5efits programs includ$ are ma9ta9$ or improv$1 & ! ext5t to :i* l[-income h\seholds are able to m easily obta9 free or l[-co/ bank+ s]vices4 #aj4 ,au?orization ( appropriations2 te*nical assi/ance au?oriz$ 7a7 ,au?orization ( appropriations ,!re is au?oriz$ to be appropriat$ to c>ry out ?is ,act = ea* ( ! fiscal ye>s #bjbj ?r\gh #bjbe-- 7#a7 #aj1jjj1jjj to ! ,secret>y ( ,h\s+ & ,urban ,developm5t1 ( :i* #ejj1jjj %all be us$ int]nally by ! ,dep>tm5t ( ,h\s+ & ,urban ,developm5t = /aff & o!r exp5ses to plan1 aw>d1 & ov]see pilot projects "u ?is ,act & #i1ejj1jjj %all be available = grants "u section #f2 7#b7 #aj1jjj1jjj to ! ,secret>y ( ,agriculture1 ( :i* #ejj1jjj %all be us$ int]nally by ,dep>tm5t ( ,agriculture = /aff & o!r exp5ses to plan1 aw>d1 & ov]see pilot projects "u ?is ,act & #i1ejj1jjj %all be available = grants "u section #f2 & 7#c7 #ae1jjj1jjj to ! ,secret>y ( ,heal? & ,human ,s]vices1 ( :i* #ejj1jjj %all be us$ int]nally by ! ,dep>tm5t ( ,heal? & ,human ,s]vices = /aff & o!r exp5ses to plan1 aw>d1 & ov]see pilot projects "u ?is ,act & #i1ejj1jjj %all be available = grants "u section #f1 & #e1jjj1jjj %all be available = contracts "u section #g4 7b7 ,te*nical assi/ance au?oriz$ ,! ,secret>y ( ,heal? & ,human ,s]vices1 ! ,secret>y ( ,agriculture1 ! ,secret>y ( ,h\s+ & ,urban ,developm5t1 ! ,secret>y ( ,vet]ans ,affairs1 ! ,secret>y ( ! ,int]ior1 ! ,secret>y ( ,labor1 ! ,commission] ( ! ,int]nal ,rev5ue ,s]vice1 ! ,*ief ,executive ,(fic] ( ! ,corporation = ,national & ,community ,s]vice1 ! ,adm9i/rator ( ! ,small ,bus9ess ,adm9i/ration1 ! ,director ( ! ,(fice ( ,managem5t & ,budget1 ! ,(fice ( ,sci5ce & ,te*nology1 ! ,*airman ( ! ,f$]al ,deposit ,insurance ,corporation1 & ! ,dome/ic ,policy ,c\ncil may1 = ! purpose ( advanc+ ! objectives ( ! pilot projects c>ri$ out "u ?is ,act-- 7#a7 provide te*nical assi/ance2 7#b7 solicit volunt>y1 nonmonet>y assi/ance f in/itutions ( high] education1 cr$it unions1 & private sector te*nology companies1 banks1 & f9ancial in/itutions2 & 7#c7 in=m eligible entities ( ! applicable ,f$]al1 ,/ate1 local1 or ,tribal /atutory & regulatory au?orities1 includ+ waiv] au?orities4