,i  #aag? ,,congress  #a/ ,session  ,h4 
,r4 #daee  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,june #bd1 #bjba,mr4  
,p]lmutt] 7= himself1 ,mr4 ,ca/51 ,mr4  
,blum5au]1 & ,mr4 ,morelle7 introduc$ ! 
foll[+ bill2 :i* 0 ref]r$ to !          
,committee on ,f9ancial ,s]vices1 & 9   
addition to ! ,committee on ,education &
 ,labor1 = a p]iod to be subsequ5tly    
det]m9$ by ! ,speak]1 9 ea* case =      
consid]ation ( su* provisions z fall )9 
! jurisdiction ( ! committee conc]n$  ,a
 ,,bill  ,to enc\rage en]gy effici5cy1  
cons]vation1 & developm5t ( r5ewable    
en]gy s\rces = h\s+1 & to create        
su/a9able communities4  #a4 ,%ort title2
 table ( cont5ts  7a7 ,%ort title ,?is  
,act may be cit$ z ! ,gre5              
,neighborhoods ,act ( #bjba4  7b7 ,table
 ( cont5ts ,! table ( cont5ts = ?is ,act
 is z foll[s3 ,sec4 #a4 ,%ort title2    
table ( cont5ts4,sec4 #b4 ,implem5tation
 ( en]gy effici5cy p>ticipation         
inc5tives = ,,hud programs4,sec4 #c4    
,basic ,,hud en]gy effici5cy /&>ds &    

/&>ds = additional cr$it4,sec4 #d4      
,enhanc$ en]gy appraisal4,sec4 #e4      
,en]gy-effici5cy /&>ds = manufactur$    
h\s+4,sec4 #f4 ,mak+ x gre54,sec4 #g4   
,includ+ su/a9able developm5t &         
transportation /rategies 9 compreh5sive 
h\s+ af=dability /rategies4,sec4 #h4    
,grant program to increase su/a9able    
l[-income community developm5t          
capacity4,sec4 #i4 ,b5*m>k+4,sec4 #aj4  
,grants = regi/]$ appr5tice%ip programs 
9 c]ta9 indu/ries4,sec4 #aa4 ,ensur+    
availability ( home[n]s insurance =     
homes n connect$ to electricity         
grid4,sec4 #ab4 ,def9itions4  #b4       
,implem5tation ( en]gy effici5cy        
p>ticipation inc5tives = ,,hud programs 
7a7 ,9 g5]al ,n lat] ?an #bgj days aft] 
! date ( ! enactm5t ( ?is ,act1 !       
,secret>y ( ,h\s+ & ,urban ,developm5t  
%all issue su* regulations z may be     
necess>y to e/abli% annual en]gy        
effici5cy p>ticipation inc5tives        
consi/5t ) ?is ,act to enc\rage         
p>ticipants 9 ,,hud assi/ance & l5d+    

programs to a*ieve sub/antial           
improvem5ts 9 en]gy effici5cy4  7b7     
,det]m9ation ,! ,secret>y %all det]m9e !
 level ( p>ticipation inc5tives bas$ on 
p>ticipants meet+ ! en]gy effici5cy     
/&>ds "u section #c4  7c7 ,requirem5t = 
appropriation ( funds ,! requirem5t "u  
subsection 7a7 = ! ,secret>y to provide 
annual en]gy effici5cy p>ticipation     
inc5tives pursuant to ! provisions ( ?is
 ,act %all be subject to ! annual       
appropriation ( necess>y funds4  #c4    
,basic ,,hud en]gy effici5cy /&>ds &    
/&>ds = additional cr$it  7a7 ,basic    
,,hud /&>d  7#a7 ,resid5tial /ructures  
,a resid5tial s+le-family or multifamily
 /ructure %all be consid]$ to comply ) !
 en]gy effici5cy /&>ds "u ?is subsection
 if-- 7,a7 ! /ructure complies ) !      
applicable provisions ( ! ,am]ican      
,society ( ,heat+1 ,refrig]at+1 &       
,air-,condition+ ,eng9e]s ,/&>d         
#ij4a-bjai1 z su* /&>d or successor /&>d
 is 9 effect = purposes ( ?is section   
pursuant to subsection 7c72  7,b7 !     

/ructure complies ) ! applicable        
provisions ( ! #bjah ,int]national      
,en]gy ,cons]vation ,code1 z su* /&>d or
 successor /&>d is 9 effect = purposes (
 ?is section pursuant to subsection 7c72
  7,c7 9 ! case only ( an exi/+         
/ructure1 :]e det]m9$ co/ effective1 !  
/ructure has und]gone rehabilitation or 
improvem5ts1 complet$ aft] ! date ( !   
enactm5t ( ?is ,act1 & ! en]gy          
consumption = ! /ructure has be5 r$uc$  
by at lea/ #bj p]c5t f ! previ\s level (
 consumption1 z det]m9$ 9 accordance )  
en]gy audits p]=m$ bo? be=e & aft] any  
rehabilitation or improvem5ts und]tak5  
to r$uce su* consumption2 or  7,d7 !    
/ructure complies ) ! applicable        
provisions ( su* o!r en]gy effici5cy    
/&>ds z ! ,secret>y may adopt & apply by
 regulation1 z may be necess>y1 =       
purposes ( ?is section = specific types 
( resid5tial s+le-family or multifamily 
/ructures or o!rwise1 except t !        
,secret>y %all make a det]m9ation reg>d+
 :e!r to adopt & apply any su* /&>ds =  

purposes ( ?is section n lat] ?an !     
expiration ( ! #ahj-;day p]iod beg9n+ ^u
 ! date ( receipt ( any writt5 reque/1  
made 9 su* =m z ! ,secret>y %all        
provide1 = su* adoption & application4  
,9 addition to compliance ) any (       
subp>agraphs 7,a7 ?r\gh 7,d71 !         
,secret>y %all by regulation require1 = 
any newly con/ruct$ resid5tial          
s+le-family or multifamily /ructure to  
be consid]$ to comply ) ! en]gy         
effici5cy /&>ds "u ?is subsection1 t !  
/ructure h appropriate electrical       
outlets ) ! facility & capacity to      
re*>ge a /&>d electric pass5g] vehicle1 
includ+ an electric hybrid vehicle1 :]e 
su* vehicle w\ld normally be p>k$4  7#b7
 ,nonresid5tial /ructures ,= purposes ( 
?is section1 ! ,secret>y may id5tify &  
adopt by regulation1 z may be necess>y1 
en]gy effici5cy /&>ds applicable to     
nonresid5tial /ructures t are con/ruct$ 
or rehabilitat$ ) ,,hud assi/ance & l5d+
 programs4 ,a nonresid5tial /ructure    
%all be consid]$ to comply ) ! en]gy    

effici5cy /&>ds "u ?is subsection if !  
/ructure complies ) ! applicable        
provisions ( any su* en]gy effici5cy    
/&>ds id5tifi$ & adopt$ by ! ,secret>y  
pursuant to ?is p>agraph1 z su* /&>ds   
are 9 effect = purposes ( ?is section   
pursuant to subsection 7c74  7#c7       
,effect ,no?+ 9 ?is subsection may be   
con/ru$ to require any /ructure to      
comply ) any /&>d e/abli%$ or adopt$    
pursuant to ?is subsection1 or id5tifi$ 
9 ?is subsection1 or to provide any     
b5efit or cr$it "u any ,f$]al program = 
any /ructure t complies ) any su* /&>d1 
except to ! ext5t t-- 7,a7 any provision
 ( law o!r ?an ?is subsection provides a
 b5efit or cr$it "u a ,f$]al program =  
compliance ) a /&>d e/abli%$ or adopt$  
pursuant to ?is subsection1 or id5tifi$ 
9 ?is subsection2 or  7,b7 ! ,secret>y  
specifically provides pursuant to       
subsection 7c7 = ! applicability ( su*  
/&>d4  7b7 ,enhanc$ en]gy effici5cy     
/&>ds = purposes ( provid+ additional   
cr$it "u c]ta9 f$]ally assi/$ h\s+      

programs  7#a7 ,purpose & effect  7,a7  
,purpose ,! purpose ( ?is subsection is 
to e/abli% en]gy effici5cy & cons]vation
 /&>ds & gre5 build+ /&>ds t-- 7i7      
provide = great] en]gy effici5cy &      
cons]vation 9 /ructures ?an is requir$ =
 compliance ) ! en]gy effici5cy /&>ds "u
 subsection 7a7 & !n 9 effect2  7ii7    
provide = gre5 & su/a9able build+ /&>ds 
n requir$ by su* /&>ds2 &  7iii7 c be   
us$ 9 connection ) ,f$]al h\s+1 h\s+    
f9ance1 & developm5t programs to provide
 inc5tives = great] en]gy effici5cy &   
cons]vation & = gre5 & su/a9able build+ 
me?ods1 elem5ts1 practices1 & mat]ials4 
7,b7 ,effect ,no?+ 9 ?is subsection may 
be con/ru$ to require any /ructure to   
comply ) any /&>d e/abli%$ pursuant to  
?is subsection or to provide any b5efit 
or cr$it "u any ,f$]al program = any    
/ructure1 except to ! ext5t t any       
provision ( law o!r ?an ?is subsection  
provides a b5efit or cr$it "u a ,f$]al  
program = compliance ) a /&>d e/abli%$  
pursuant to ?is subsection4  7#b7       

,compliance ,a resid5tial or            
nonresid5tial /ructure %all be consid]$ 
to comply ) ! enhanc$ en]gy effici5cy & 
cons]vation /&>ds or ! gre5 build+ /&>ds
 "u ?is subsection1 to ! ext5t t su*    
/ructure is v]ifi$ by a ?ird p>ty z     
compliant )1 or c]tifi$ to1 ! applicable
 provisions ( ! /&>ds "u p>agraph 7#c7  
or 7#d71 respectively 7z su* /&>ds are 9
 effect = purposes ( ?is section1       
pursuant to p>agraph 7#g771 9 a mann] t 
is n requir$ = compliance ) ! en]gy     
effici5cy /&>ds "u subsection 7a7 !n 9  
effect & subject to ! ,secret>y's       
det]m9ation ( :i* /&>ds are applicable  
to :i* /ructures4  7#c7 ,en]gy effici5cy
 & cons]vation /&>ds ,! en]gy effici5cy 
& cons]vation /&>ds "u ?is p>agraph are 
z foll[s3 7,a7 ,resid5tial /ructures ,) 
respect to resid5tial /ructures3 7i7    
,new con/ruction ,= new con/ruction1 !  
,en]gy ,/> = ,homes c]tification or     
,en]gy ,/> = ,multifamily ,new          
,con/ruction c]tification /&>ds e/abli%$
 by ! ,environm5tal ,protection ,ag5cy1 

z su* /&>ds are 9 effect = purposes (   
?is subsection pursuant to p>agraph     
7#g74  7ii7 ,exi/+ /ructures ,= exi/+   
/ructures1 a r$uction 9 en]gy           
consumption f ! previ\s level (         
consumption = ! /ructure1 z det]m9$ 9   
accordance ) en]gy audits p]=m$ bo? be=e
 & aft] any rehabilitation or           
improvem5ts und]tak5 to r$uce su*       
consumption by at lea/ #cj p]c5t or     
a*ievem5t ( ,,en]gy ,,/> c]tification4  
7,b7 ,nonresid5tial /ructures ,) respect
 to nonresid5tial /ructures1 su* en]gy  
effici5cy /&>ds = nonresid5tial         
/ructures z ! ,secret>y may id5tify &   
adopt by regulation1 z may be necess>y1 
= purposes ( ?is p>agraph4  7#d7 ,gre5  
build+ /&>ds ,! gre5 build+ /&>ds "u ?is
 p>agraph are ! mo/ rec5t adopt$ v]sions
 ( ! foll[+3 7,a7 ,! national ,gre5     
,communities crit]ia *eckli/ =          
resid5tial con/ruction t provides       
crit]ia = ! design1 developm5t1 &       
op]ation ( af=dable h\s+1 z su* *eckli/ 
or successor *eckli/ is 9 effect =      

purposes ( ?is section pursuant to      
p>agraph 7#g74  7,b7 ,! ,,le$ = ,new    
,con/ruction rat+ sy/em1 ! ,,le$ =      
,homes rat+ sy/em1 ! ,,le$ = ,core &    
,%ell rat+ sy/em1 z applicable1 z su*   
sy/ems or successor sy/ems are 9 effect 
= purposes ( ?is section pursuant to    
p>agraph 7#g74  7,c7 ,! ,gre5 ,globes   
assessm5t & rat+ sy/em ( ! ,gre5        
,build+s ,initiative4  7,d7 ,=          
manufactur$ h\s+1 en]gy /> rat+ )       
respect to fixtures1 appliances1 &      
equipm5t 9 su* h\s+1 z su* /&>d or      
successor /&>d is 9 effect = purposes ( 
?is section pursuant to p>agraph 7#g74  
7,e7 ,! ,national ,gre5 ,build+ ,/&>d4  
7,f7 ,any o!r prov5 /&>ds = gre5 build+ 
or su/a9ability z ! ,secret>y may       
id5tify & adopt by regulation1 z may be 
necess>y = purposes ( ?is p>agraph1     
except t ! ,secret>y %all make a        
det]m9ation reg>d+ :e!r to adopt & apply
 any su* /&>ds = purposes ( ?is section 
n lat] ?an ! expiration ( ! #ahj-;day   
p]iod beg9n+ ^u date ( receipt ( any    

writt5 reque/1 made 9 su* =m z !        
,secret>y %all provide1 = su* adoption &
 application4  7#e7 ,gre5 build+ ,=     
purposes ( ?is subsection1 ! t]m gre5   
build+ means1 ) respect to /&>ds =      
/ructures1 /&>ds to require use (       
su/a9able design pr9ciples to r$uce !   
use ( nonr5ewable res\rces1 m9imize !   
impact ( developm5t on ! environm5t1 &  
to improve indoor air quality4  7#f7    
,en]gy audits ,! ,secret>y %all e/abli% 
/&>ds & requirem5ts = en]gy audits =    
purposes ( p>agraph 7#c77;,a77ii74  7#g7
 ,applicability & updat+ ( /&>ds  7,a7  
,applicability ,except z provid$ 9      
subp>agraph 7,b71 ! /&>ds ref]r$ to 9   
?is subsection t are 9 effect = purposes
 ( ?is subsection are su* /&>ds z are 9 
exi/5ce ^u ! date ( ! enactm5t ( ?is    
,act4  7,b7 ,updat+ ,= purposes ( ?is   
section1 ! ,secret>y may adopt & apply  
by regulation1 z may be necess>y1 future
 am5dm5ts & supplem5ts to1 & editions (1
 ! /&>ds ref]r$ to 9 ?is subsection4    
7c7 ,au?ority ( ,secret>y ,to apply     

/&>ds to f$]ally assi/$ /ructures &     
programs  7#a7 ,,hud h\s+ & programs ,! 
,secret>y ( ,h\s+ & ,urban ,developm5t  
may1 by regulation1 provide = !         
applicability ( ! en]gy effici5cy /&>ds 
"u subsection 7a7 or ! enhanc$ en]gy    
effici5cy & cons]vation /&>ds & gre5    
build+ /&>ds "u subsection 7b71 or bo?1 
) respect to any cov]$ f$]ally assi/$   
/ructure describ$ 9 p>agraph 7#c77;,a7  
or any ,,hud assi/ance & l5d+ programs4 
7#b7 ,rural h\s+ ,! ,secret>y (         
,agriculture may1 by regulation1 provide
 = ! applicability ( ! en]gy effici5cy  
/&>ds "u subsection 7a7 or ! enhanc$    
en]gy effici5cy & cons]vation /&>ds &   
gre5 build+ /&>ds "u subsection 7b71 or 
bo?1 ) respect to any cov]$ f$]ally     
assi/$ /ructure describ$ 9 p>agraph     
7#c77;,b7 or any assi/ance provid$ )    
respect to rural h\s+ by ! ,rural ,h\s+ 
,s]vice ( ! ,dep>tm5t ( ,agriculture4   
7#c7 ,cov]$ f$]ally assi/$ /ructure ,=  
purposes ( ?is subsection1 ! t]m cov]$  
f$]ally assi/$ /ructure means-- 7,a7 any

 resid5tial or nonresid5tial /ructure   
p>ticipat+ 9 a ,,hud assi/ance or l5d+  
program2 &  7,b7 any new con/ruction (  
s+le-family h\s+ 7o!r ?an manufactur$   
homes7 subject to mortgages insur$1     
gu>ante$1 or made by ! ,secret>y (      
,agriculture "u title ,v ( ! ,h\s+ ,act 
( #aidi 7#db ,u4,s4,c4 #adga et seq474  
#d4 ,enhanc$ en]gy appraisal  7a7       
,def9itions ,9 ?is section3 7#a7        
,advisory gr\p ,! t]m advisory gr\p     
means ! advisory gr\p e/abli%$ "u       
subsection 7f77#b74  7#b7 ,cov]$ ag5cy  
,! t]m cov]$ ag5cy means-- 7,a7 ! ,f$]al
 ,h\s+ ,adm9i/ration2  7,b7 includes ea*
 ent]prise1 z def9$ 9 section #acjc ( ! 
,f$]al ,h\s+ ,ent]prises ,f9ancial      
,safety & ,s\ndness ,act ( #aiib 7#ab   
,u4,s4,c4 #dejb72 &  7,c7 includes !    
,gov]nm5t ,national ,mortgage           
,association4  7#c7 ,cov]$ loan ,! t]m  
cov]$ loan means a loan secur$ by a home
 t is issu$1 insur$1 pur*as$1 or        
securitiz$ by a cov]$ ag5cy4  7#d7      
,en]gy report ,! t]m en]gy report means 

an en]gy report t meets ! requirem5ts "u
 subsection 7c77#c77;,b74  7#e7 ,h]s ,! 
t]m ,,h]s means ! ,home ,en]gy ,rat+    
,sy/em ( ! ,resid5tial ,en]gy ,s]vice   
,network4  7#f7 ,home[n] ,! t]m home[n] 
means ! mortgagor "u a cov]$ loan4  7#g7
 ,mortgagee ,! t]m mortgagee means a    
cr$itor z def9$ 9 section #ajc ( ! ,tru?
 9 ,l5d+ ,act 7#ae ,u4,s4,c4 #afjb74    
7#h7 ,qualifi$ apprais] ,! t]m qualifi$ 
apprais] means an apprais] ) ! requisite
 k ( en]gy effici5cy to p]=m a          
pr(essional quality appraisal1 z evid5c$
 by pr(essional c]tification or         
developm5t programs on ! valuation (    
su/a9able prop]ties ( at lea/ #ad h\rs 9
 l5g? approv$ by ! ,secret>y4  7#i7     
,secret>y ,! t]m ,secret>y means !      
,secret>y ( ,h\s+ & ,urban ,developm5t4 
7b7 ,f9d+s & purposes  7#a7 ,f9d+s      
,congress f9ds t-- 7,a7 en]gy co/s =    
home[n]s are a significant & increas+   
portion ( _! h\sehold budgets2  7,b7    
h\sehold en]gy use c v>y sub/antially   
dep5d+ on ! effici5cy & r5ewable en]gy  

g5]ation *>act]i/ics ( a h\se2  7,c7    
expect$ en]gy co/ sav+s result+ f       
effici5cy measures &_/or ! g5]ation (   
en]gy f sol> panels &_/or o!r r5ewables 
are 9 _m cases important to ! value ( a 
h\se2 &  7,d7 ! loan-to-value ratio te/ 
= orig9ations ( cov]$ loans is ti$ to ! 
appraisal or o!r valuation ( a prop]ty (
 a h\se1 :i* (t5 does n adju/ = ! en]gy 
effici5cy or r5ewable en]gy g5]ation    
features ( a h\se4  7#b7 ,purpose ,!    
purpose ( ?is section is to-- 7,a7      
improve ! cr$ibility & reliability (    
appraisals ( h\ses subject to cov]$     
loans by ensur+ t ! en]gy effici5t &    
r5ewable en]gy g5]ation features & en]gy
 co/s ( ^? h\ses are includ$ 9 !        
appraisal analysis1 :i* w\ld place value
 on en]gy effici5t & r5ewable en]gy     
features ( a h\se & facilitate !        
creation ( en]gy effici5cy retr(it1     
r5ewable in/allation1 & con/ruction     
jobs2 &  7,b7 require ! ,secret>y to--  
7i7 develop consi/5t enhanc$ en]gy      
appraisal protocols t recognize all     

applicable approa*es to ! value ( a     
h\se1 includ+ ! co/ & income approa*es  
to value1 9 analyz+ en]gy effici5cy &   
r5ewable en]gy features2  7ii7 ensure t 
! guidel9es describ$ 9 clause 7i7 prev5t
 ! d\ble c\nt+ ( en]gy co/ sav+s 9 !    
valuation ( a h\se2  7iii7 support safe 
& s\nd l5d+2 &  7iv7 protect consum]s4  
7c7 ,enhanc$ en]gy appraisal crit]ia    
7#a7 ,9 g5]al ,n lat] ?an #a ye> aft] ! 
date ( enactm5t ( ?is ,act1 ! ,secret>y1
 9 consultation ) ! ,f$]al ,h\s+ ,f9ance
 ,ag5cy1 ! ,bureau ( ,consum] ,f9ancial 
,protection & ! advisory gr\p1 %all     
develop & issue guidel9es = a cov]$     
ag5cy to implem5t enhanc$ en]gy         
appraisal protocols = prop]ties t are   
subject to a cov]$ loan4  7#b7          
,requirem5ts to acc\nt = en]gy co/ sav+s
  7,a7 ,9 g5]al ,! enhanc$ en]gy        
appraisal protocols "u p>agraph 7#a7    
%all require t1 = ea* prop]ty ) a cov]$ 
loan = :i* ! home[n] has volunt>ily opt$
 = an en]gy report1 ! apprais] %all take
 into consid]ation ! en]gy effici5cy &  

r5ewable en]gy features ( a h\se &      
result+ e/imat$ en]gy co/ sav+s & en]gy 
g5]ation expect$ = ! own] ( ! subject   
prop]ty z "p ( ! appraisal process4     
7,b7 ,assess$ en]gy co/s ,! e/imat$     
en]gy co/s to be tak5 into consid]ation 
"u subp>agraph 7,a7 %all include ! co/ (
 electricity1 natural gas1 oil1 & any   
o!r fuel regul>ly us$ to supply en]gy to
 ! subject prop]ty4  7#c7 ,det]m9ation (
 e/imat$ en]gy co/ sav+s  7,a7 ,9 g5]al 
,! guidel9es issu$ "u p>agraph 7#a7 %all
 include in/ructions = an apprais] to   
calculate e/imat$ en]gy co/ sav+s = a   
prop]ty us+-- 7i7 an en]gy report       
docum5t+ ! en]gy effici5cy & r5ewable   
en]gy features ( ! prop]ty2  7ii7 an    
e/imate ( basel9e av]age en]gy co/s = ! 
prop]ty2 &  7iii7 additional s\rces (   
in=mation det]m9$ by ! ,secret>y4  7,b7 
,report requirem5ts ,= purposes (       
subp>agraph 7,a71 an en]gy report %all--
 7i7 e/imate ! expect$ en]gy co/ sav+s  
specific to ! subject prop]ty1 bas$ on  
specific in=mation ab\t ! prop]ty2  7ii7

 e/imate ! expect$ en]gy g5]at$ f       
in/all$ r5ewable en]gy features2  7iii7 
be prep>$ 9 accordance ) ! guidel9es    
issu$ "u p>agraph 7#a72 &  7iv7 be      
prep>$-- 7,i7 9 accordance ) ,,h]s by an
 individual c]tifi$ by ! ,resid5tial    
,en]gy ,s]vice ,network1 unless !       
,secret>y f9ds t ! use ( ,,h]s does n   
fur!r ! purposes ( ?is section2  7,,ii7 
by ! ,dep>tm5t ( ,en]gy's ,home ,en]gy  
,score2 or  7,,iii7 by o!r me?ods       
approv$ by ! ,secret>y1 9 consultation )
 ! ,secret>y ( ,en]gy & ! advisory gr\p1
 = use "u ?is section1 :i* %all include 
a quality assurance proc$ure approv$ by 
! ,secret>y1 9 consultation ) !         
,secret>y ( ,en]gy4  7,c7 ,use by       
apprais] ,if an en]gy report is us$ "u  
p>agraph 7#b71 ! en]gy report %all be   
provid$ to ! apprais]-- 7i7 to e/imate !
 en]gy effici5cy ( ! subject prop]ty    
includ+ ! e/imat$ annual sav+s2  7ii7 to
 e/imate ! en]gy g5]at$ by r5ewables2 & 
consid]$ 9 develop+ op9ions &           
conclusions ab\t any value contribution 

= en]gy effici5cy & r5ewable en]gy      
g5]ation4  7#d7 ,requir$ disclosure to  
consum] = a home ) an en]gy report ,if  
an en]gy report is us$ = an appraisal ( 
a prop]ty "u p>agraph 7#b71 ! guidel9es 
issu$ "u p>agraph 7#a7 %all require !   
mortgagee ( ! prop]ty to-- 7,a7 in=m !  
home[n] & loan applicant ( ! expect$    
en]gy co/ sav+s e/imat$ 9 ! en]gy report
 & any associat$ appraisal adju/m5t1 9 a
 mann] & at a "t z prescrib$ by !       
,secret>y1 &1 if practicable1 9 !       
docum5ts deliv]$ at ! "t ( ! transf] (  
title2 &  7,b7 include a copy ( ! en]gy 
report 9 ! appraisal report provid$ to !
 home[n] & loan applicant4  7#e7        
,requir$ disclosure to consum] = a home 
)\t an en]gy report ,if an en]gy report 
is n us$ "u p>agraph 7#b71 ! guidel9es  
to be issu$ "u p>agraph 7#a7 %all       
require ! mortgagee to in=m ! loan      
applicant z "p ( ! ,clos+ ,disclosure-- 
7,a7 typical en]gy co/ sav+s t w\ld be  
possible f a co/-effective en]gy upgrade
 ( a home ( ! size & 9 ! region ( !     

subject prop]ty2  7,b7 ! impact !       
typical en]gy co/ sav+s w\ld h on mon?ly
 own]%ip co/s ( a typical home2  7,c7 ! 
impact on ! size ( a mortgage t c\ld be 
obta9$ if ! typical en]gy co/ sav+s 7   
reflect$ 9 an en]gy effici5cy report2 & 
7,d7 res\rces = improv+ ! en]gy         
effici5cy ( a home4  7#f7 ,applicability
 & implem5tation date ,n lat] ?an !     
e>li] ( two ye>s aft] ! date ( enactm5t 
( ?is ,act & ,decemb] #ca1 #bjbc1 !     
enhanc$ en]gy appraisal requirem5ts     
requir$ "u ?is subsection %all be       
implem5t$ by ea* cov]$ ag5cy to-- 7,a7  
apply to an appraisal = any cov]$ loan =
 ! sale1 or ref9anc+ ( any loan = !     
sale1 ( any home2  7,b7 be available on 
any resid5tial real prop]ty 7includ+    
individual units ( condom9iums &        
coop]atives7 t qualifies = a cov]$ loan2
 &  7,c7 provide prospective apprais]s )
 suffici5t guidance & applicable tools  
to implem5t ! requir$ appraisal me?ods4 
7d7 ,enhanc$ en]gy appraisal protocols  
7#a7 ,9 g5]al ,n lat] ?an #a ye> aft] ! 

date ( enactm5t ( ?is ,act1 ! ,secret>y 
%all-- 7,a7 9 consultation ) ! advisory 
gr\p1 develop & issue guidel9es =       
enhanc$ en]gy appraisal protocols = all 
cov]$ loans made on prop]ties ) an en]gy
 report2  7,b7 develop l5d] collat]al   
valuation guidel9es on ! use ( all      
applicable approa*es to value us$ by    
apprais]s 9 accordance ) ! ,uni=m ,/&>ds
 ( ,pr(essional ,appraisal ,practice to 
analyze m>ket reaction to en]gy         
effici5cy & r5ewable en]gy in/allation1 
includ+ me?ods & te*niques1 :i* %all    
include ! co/ & income approa*es to     
value2 &  7,c7 9 consultation ) !       
,secret>y ( ,en]gy1 issue guidel9es =-- 
7i7 a cov]$ ag5cy to det]m9e ! e/imat$  
en]gy sav+s & en]gy g5]ation "u p>agraph
 7#c7 = prop]ties ) an en]gy report2 &  
7ii7 a qualifi$ apprais] to use an en]gy
 report to e/imate ! en]gy effici5cy    
rat+1 sales1 & li/+ data to e/abli%     
m>ket reaction to en]gy effici5cy4  7#b7
 ,requirem5ts ,! enhanc$ en]gy appraisal
 protocols requir$ "u p>agraph 7#a77;,a7

 %all-- 7,a7 include a requirem5t t if a
 home[n] volunt>ily opts = an en]gy     
report to be us$ 9 valu+ ! home1 !n us+ 
me?ods to be e/abli%$ "u ! guidel9es    
issu$ "u p>agraph 7#a7-- 7i7 su* report 
may be us$ by a qualifi$ apprais] to    
det]m9e ! e/imat$ en]gy sav+s ( !       
subject prop]ty 9 comp>ison to a        
basel9e2  7ii7 ! value ( e/imat$ en]gy  
sav+s & en]gy g5]ation ( ! subject      
prop]ty %all be add$ to ! apprais$ value
 ( ! subject prop]ty1 unless ! appraisal
 includes ! value ( ! ov]all en]gy      
effici5cy & r5ewable en]gy g5]ation ( ! 
subject prop]ty2 &  7,b7 ! co/ & income 
approa*es to value be recogniz$ z       
reasonable & appropriate approa*es to   
valu+ ! en]gy effici5cy & r5ewable en]gy
 features ( a home2 &  7,c7 prohibit    
re/rictions ( all applicable approa*es  
to value an en]gy effici5t home4  7#c7  
,det]m9ation ( e/imat$ en]gy sav+s &    
g5]ation  7,a7 ,am\nt ( en]gy sav+s ,= !
 purpose ( p>agraph 7#b71 ! am\nt (     
e/imat$ en]gy sav+s ( a subject prop]ty 

%all be det]m9$ by calculat+ ! diff]5ce 
betwe5 ! e/imat$ en]gy co/s f ! en]gy   
report = ! subject prop]ty comp>$ to !  
en]gy co/s ( comp>able h\ses1 z det]m9$ 
9 ! guidel9es issu$ "u p>agraph 7#a7    
7,b7 ,am\nt ( en]gy g5]ation ,= !       
purpose ( p>agraph 7#b71 ! am\nt (      
e/imat$ en]gy g5]ation ( a subject      
prop]ty %all be det]m9$ by calculat+ !  
am\nt ( en]gy g5]at$ by ! home's        
en]gy-g5]at+ features ov] _! useful     
lifetime4  7,c7 ,duration ( en]gy sav+s 
& g5]ation ,= ! purpose ( p>agraph 7#b71
 ! duration ( ! e/imat$ en]gy sav+s &   
g5]ation ( a subject prop]ty %all be    
bas$ on ! useful life ( applicable      
equipm5t1 consi/5t ) ! rat+ sy/em us$ to
 produce ! en]gy report4  7,d7 ,pres5t  
value ( en]gy sav+s & g5]ation ,= !     
purpose ( p>agraph 7#b71 ! pres5t value 
( ! e/imat$ future en]gy sav+s &_/or    
g5]ation ( a subject prop]ty %all be    
calculat$ us+ ! av]age int]e/ rate (    
conv5tional #cj ye> mortgages unless !  
qualifi$ apprais] *ooses to use !       

appropriate disc\nt rate = ! m>ket area1
 9 ! mann] direct$ by guidel9es issu$ "u
 p>agraph 7#a74  7#e7 ,transactions     
requir+ /ate c]tifi$ & compet5t         
apprais]s ,section #aaac ( ! ,f9ancial  
,in/itutions ,re=m1 ,recov]y1 &         
,en=cem5t ,act ( #aihi 7#ab ,u4,s4,c4   
#ccdb7 is am5d$-- 7,a7 9 p>agraph 7#a71 
by ins]t+ be=e ! semicolon ! foll[+3 1  
or any real prop]ty on :i* ! apprais]   
makes adju/m5ts us+ an en]gy report2 &  
7,b7 9 p>agraph 7#b71 by ins]t+ aft]    
atypical ! foll[+3 1 or an appraisal on 
:i* ! apprais] makes adju/m5ts us+ an   
en]gy report44  7#g7 ,protections ,!    
guidel9es issu$ "u p>agraph 7#a7 %all   
include su* limitations & conditions z  
det]m9$ by ! ,secret>y to be necess>y to
 protect aga9/ mean+ful "u or ov]       
valuation ( en]gy co/ sav+s or          
duplicative c\nt+ ( en]gy effici5cy &   
r5ewable en]gy features or en]gy co/    
sav+s & g5]ation 9 ! valuation ( any    
subject prop]ty t is us$ to det]m9e a   
loan am\nt4  7#h7 ,applicability &      

implem5tation date ,n lat] ?an ! e>li] (
 #b ye>s aft] ! date ( enactm5t ( ?is   
,act & ,decemb] #ca1 #bjbc1 ea* cov]$   
ag5cy %all implem5t ! guidel9es requir$ 
"u ?is subsection1 :i* %all-- 7,a7 apply
 to ! appraisal ( a prop]ty t is subject
 to any cov]$ loan = ! sale1 or ref9anc+
 ( any loan = ! sale1 ( any home2 &     
7,b7 be available on any resid5tial real
 prop]ty1 includ+ individual units (    
condom9iums & coop]atives1 t qualifies =
 a cov]$ loan4  7e7 ,monitor+ ,n lat]   
?an #a ye> aft] ! date on :i* ! enhanc$ 
appraisal protocols are implem5t$ "u ?is
 section1 & annually !reaft]1 ea* cov]$ 
ag5cy t issues a cov]$ loan %all issue &
 make available to ! public a report t--
 7#a7 enum]ates ! numb] ( cov]$ loans   
issu$ by ! ag5cy dur+ ! previ\s ye> =   
:i* !re 0 an en]gy report & t us$ en]gy 
appraisal protocols e/abli%$ "u ?is     
section2  7#b7 includes ! default rates 
& rates ( =eclosures = loans 7includ+ a 
breakd[n ( default & =eclosure rates by 
geographic region1 race1 & self-id5tifi$

 g5d]7 made us+ ! en]gy appraisal       
protocols e/abli%$ "u ?is section2 &    
7#c7 describes ! risk premium1 if any1 t
 ! ag5cy has pric$ into cov]$ loans =   
:i* !re 0 an appraisal t includ$ an     
en]gy report4  7f7 ,rulemak+  7#a7 ,9   
g5]al ,! ,secret>y1 9 consultation ) !  
,secret>y ( ,en]gy & ! advisory gr\p1   
%all prescribe regulations to c>ry out  
?is section1 :i* may conta9 su*         
classifications1 diff]5tiations1 or o!r 
provisions1 & may provide = su* prop]   
implem5tation & appropriate treatm5t (  
diff]5t types ( transactions1 z !       
,secret>y det]m9es are necess>y or prop]
 to effectuate ! purposes ( ?is section1
 to prev5t circumv5tion or evasion !re(1
 or to facilitate compliance !re)4  7#b7
 ,advisory gr\p ,to assi/ 9 c>ry+ out   
?is section1 ! ,secret>y %all e/abli% an
 advisory gr\p1 consi/+ ( pr(essional   
associations & individuals repres5t+ !  
int]e/s (-- 7,a7 mortgage l5d]s2  7,b7  
apprais]s2  7,c7 en]gy rat]s1 resid5tial
 en]gy consumption exp]ts1 & resid5tial 

retr(it exp]ts2  7,d7 en]gy effici5cy   
organizations2  7,e7 real e/ate ag5ts2  
7,f7 home build]s & remodel]s2  7,g7    
,/ate en]gy (ficials2  7,h7 l[-income   
communities2  7,i7 consum]s2 &  7,j7 o!r
 individuals det]m9$ by ! ,secret>y4    
7g7 ,evaluation  7#a7 ,9 g5]al ,n lat]  
?an #ah mon?s aft] ! date ( enactm5t (  
?is ,act1 ! ,secret>y1 9 consultation ) 
! advisory gr\p1 %all reevaluate !      
effectiv5ess ( ! en]gy appraisal        
protocols e/abli%$ "u ?is section to    
ensure t ! co/ sav+s ( en]gy effici5t & 
r5ewable en]gy features are prop]ly     
valu$ 9 resid5tial real e/ate           
appraisals4  7#b7 ,recomm5dations  7,a7 
,9 g5]al ,n lat] ?an #ah mon?s aft] !   
date ( enactm5t ( ?is ,act1 ! advisory  
gr\p %all provide recomm5dations to !   
,secret>y on any revisions or additions 
to ! enhanc$ en]gy appraisal protocols &
 guidel9es e/abli%$ "u subsections 7c7 &
 7d7 det]m9$ necess>y by ! gr\p1 :i* may
 include alt]nate me?ods to bett] acc\nt
 = home en]gy co/s & additional factors 

to acc\nt = sub/antial & regul> co/s (  
home[n]%ip1 su* z wat] co/s1 ! /orage ( 
en]gy ?r\gh batt]ies1 indoor air        
quality1 & transportation co/s /emm+ f !
 home's location4  7,b7 ,legislative    
recomm5dations ,! ,secret>y %all =w>d   
any legislative recomm5dations receiv$ f
 ! advisory gr\p "u subp>agraph 7,a7 to 
,congress = consid]ation4  #e4          
,en]gy-effici5cy /&>ds = manufactur$    
h\s+ ,n lat] ?an #ahj days aft] ! date (
 ! enactm5t ( ?is ,act1 ! ,secret>y     
%all1 9 consultation ) ! ,secret>y (    
,en]gy & ^u review ( ! recomm5dations   
made by ! ,manufactur$ ,h\s+ ,cons5sus  
,committee1 update ! ,manufactur$ ,home 
,con/ruction & ,safety ,/&>ds to        
enc\rage en]gy effici5cy :ile ma9ta9+   
af=dability = manufactur$ h\s+4  #f4    
,mak+ x gre5  7a7 ,p>tn]%ips )          
tree-,plant+ organizations ,! ,secret>y 
%all e/abli% & provide inc5tives =      
develop]s ( h\s+ = :i* any ,,hud        
f9ancial assi/ance1 z det]m9$ by !      
,secret>y1 is provid$ = developm5t1     

ma9t5ance1 op]ation1 or o!r co/s1 to    
ent] into agreem5ts & p>tn]%ips )       
tree-plant+ organizations1 nurs]ies1 &  
l&scap]s to c]tify t trees1 %rubs1      
grasses1 & o!r plants are plant$ 9 !    
prop] mann]1 are provid$ adequate       
ma9t5ance1 & survive = at lea/ #c ye>s  
aft] plant+ or are replac$4 ,! f9ancial 
assi/ance det]m9$ by ! ,secret>y z      
eligible "u ?is section %all take into  
consid]ation su* factors z co/          
effectiv5ess & af=dability4  7b7 ,mak+ x
 gre5 plan ,9 ! case ( any new or       
sub/antially rehabilitat$ h\s+ = :i*    
,,hud f9ancial assi/ance1 z det]m9$ 9   
accordance ) subsection 7a71 is provid$ 
by ! ,secret>y = ! developm5t1          
con/ruction1 ma9t5ance1 rehabilitation1 
recon/ruction1 improvem5t1 op]ation1 or 
co/s ( ! h\s+1 includ+ f9ancial         
assi/ance provid$ ?r\gh ! ,community    
,developm5t ,block ,grant program "u    
title ,i ( ! ,h\s+ & ,community         
,developm5t ,act ( #aigd 7#db ,u4,s4,c4 
#ecja et seq471 ! ,secret>y %all require

 ! developm5t ( a plan t provides =--   
7#a7 9 ! case ( new con/ruction &       
improvem5ts1 sit+ ( su* h\s+ &          
improvem5ts 9 a mann] t provides = en]gy
 effici5cy & cons]vation to ! ext5t     
feasible1 tak+ into consid]ation        
location & project type2  7#b7          
m9imization ( ! effects ( con/ruction1  
rehabilitation1 or o!r developm5t on !  
condition ( exi/+ trees2  7#c7 selection
 & in/allation ( indig5\s trees1 %rubs1 
grasses1 & o!r plants bas$ ^u applicable
 design guidel9es & /&>ds ( !           
,int]national ,society = ,arboriculture2
  7#d7 po/-plant+ c>e & ma9t5ance ( !   
l&scap+ relat+ to or affect$ by ! h\s+ 9
 accordance ) be/ managem5t practices2 &
  7#e7 e/abli%m5t ( a goal = m9imum     
gre5space or tree canopy cov] = ! h\s+  
site = :i* su* f9ancial assi/ance is    
provid$1 includ+ guidel9es & timetables 
)9 :i* to a*ieve compliance ) su* m9imum
 requirem5ts4  7c7 ,p>tn]%ips ,9 c>ry+  
out ?is section1 ! ,secret>y is enc\rag$
 to consult1 z appropriate1 ) national  

organizations d$icat$ to provid+ h\s+   
assi/ance & relat$ s]vices to l[-income 
families1 su* z ! ,alliance = ,community
 ,trees & its affiliates1 ! ,am]ican    
,nurs]y & ,l&scape ,association1 !      
,am]ican ,society ( ,l&scape ,ar*itects1
 & ! ,national ,arbor ,day ,f\ndation4  
#g4 ,includ+ su/a9able developm5t &     
transportation /rategies 9 compreh5sive 
h\s+ af=dability /rategies ,section     
#aje7;b7 ( ! ,cran/on-,gonzalez         
,national ,af=dable ,h\s+ ,act 7#db     
,u4,s4,c4 #abgje7;b77 is am5d$-- 7#a7 by
 /rik+ & at ! end ( p>agraph 7#ai72     
7#b7 by /rik+ ! p]iod at ! end (        
p>agraph 7#bj7 & ins]t+ 2 &2  7#c7 & by 
ins]t+ aft] p>agraph 7#bj7 ! foll[+ new 
p>agraphs3  7#ba7 describe !            
jurisdiction's /rategies to enc\rage    
su/a9able developm5t = af=dable h\s+1   
includ+ s+le-family & multifamily h\s+1 
z measur$ by-- 7,a7 great] en]gy        
effici5cy & use ( r5ewable en]gy s\rces1
 includ+ any /rategies reg>d+ compliance
 ) ! en]gy effici5cy /&>ds "u section   

#c7;a7 ( ! ,gre5 ,neighborhoods ,act (  
#bjbj & ) ! enhanc$ en]gy effici5cy &   
cons]vation /&>ds1 & ! gre5 build+      
/&>ds1 "u section #c7;b7 ( su* ,act2    
7,b7 increas$ cons]vation1 recycl+1 &   
reuse ( res\rces2  7,c7 m effective use 
( exi/+ infra/ructure2  7,d7 use (      
build+ mat]ials & me?ods t are heal?i] =
 resid5ts ( ! h\s+1 includ+ use ( build+
 mat]ials t are free ( add$ kn[n        
c>c9og5s t are classifi$ z ,gr\p #a     
,kn[n ,c>c9og5s by ! ,int]national      
,ag5cy = ,rese>* on ,canc]2 &  7,e7 su* 
o!r crit]ia z ! ,secret>y det]m9es1 9   
consultation ) ! ,secret>y ( ,en]gy1 !  
,secret>y ( ,agriculture1 & !           
,adm9i/rator ( ! ,environm5tal          
,protection ,ag5cy1 are 9 accordance ) !
 purposes ( ?is p>agraph2 &  7#bb7      
describe ! jurisdiction's ef=ts to      
coord9ate its h\s+ /rategy ) its        
transportation plann+ /rategies to      
ensure to ! ext5t practicable t resid5ts
 ( af=dable h\s+ h access to public     
transportation4  4  #h4 ,grant program  

to increase su/a9able l[-income         
community developm5t capacity  7a7 ,9   
g5]al ,! ,secret>y may make grants to   
nonpr(it organizations to use = any ( ! 
foll[+ purposes3 7#a7 ,tra9+1 educat+1  
support+1 or advis+ an eligible         
community developm5t organization or    
qualifi$ y\? s]vice & cons]vation corps 
9 improv+ en]gy effici5cy1 res\rce      
cons]vation & reuse1 design /rategies to
 maximize en]gy effici5cy1 in/all+ or   
con/ruct+ r5ewable en]gy improvem5ts    
7su* z w9d1 wave1 sol>1 biomass1 &      
geo!rmal en]gy s\rces71 & effective use 
( exi/+ infra/ructure 9 af=dable h\s+ & 
economic developm5t activities 9        
l[-income communities1 tak+ into        
consid]ation en]gy effici5cy /&>ds "u   
section #c7;a7 ( ?is ,act & ) ! enhanc$ 
en]gy effici5cy & cons]vation /&>ds1 & !
 gre5 build+ /&>ds1 "u section #c7;b7 ( 
?is ,act4  7#b7 ,provid+ loans1 grants1 
or pr$evelopm5t assi/ance to eligible   
community developm5t organizations or   
qualifi$ y\? s]vice & cons]vation corps 

to c>ry out en]gy effici5cy improvem5ts 
t comply ) ! en]gy effici5cy /&>ds "u   
section #c7;a7 ( ?is ,act1 res\rce      
cons]vation & reuse1 & effective use (  
exi/+ infra/ructure 9 af=dable h\s+ &   
economic developm5t activities 9        
l[-income communities4 ,9 provid+       
assi/ance "u ?is p>agraph1 ! ,secret>y  
%all give m pref]5ce to activities bas$ 
on ! ext5t to :i* ! activities w result 
9 compliance ) ! enhanc$ en]gy effici5cy
 & cons]vation /&>ds1 & ! gre5 build+   
/&>ds1 "u section #c7;b7 ( ?is ,act4    
7#c7 ,su* o!r purposes z ! ,secret>y    
det]m9es are 9 accordance ) ! purposes (
 ?is subsection4  7b7 ,application      
requirem5t ,to be eligible = a grant "u 
?is section1 a nonpr(it organization    
%all prep>e & submit to ! ,secret>y an  
application at su* "t1 9 su* mann]1 &   
conta9+ su* in=mation z ! ,secret>y may 
require4  7c7 ,aw>d ( contracts         
,contracts = ar*itectural or eng9e]+    
s]vices fund$ ) am\nts f grants made "u 
?is section %all be aw>d$ 9 accordance )

 *apt] #aa ( title #dj1 ,unit$ ,/ates   
,code 7relat+ to selection ( ar*itects &
 eng9e]s74  7d7 ,mat*+ requirem5t ,a    
grant made "u ?is section may n exce$ ! 
am\nt t ! nonpr(it organization receiv+ 
! grant c]tifies1 to ! ,secret>y1 w be  
provid$ 79 ca% or 9-k9d7 f nongov]nm5tal
 s\rces to c>ry out ! purposes = :i* !  
grant is made4  7e7 ,environm5tal review
 ,= purposes ( environm5tal review1     
pursuant to ! ,national ,environm5tal   
,policy ,act ( #aifi 7#db ,u4,s4,c4     
#dcba et seq47 & o!r provisions ( law t 
fur!r ! purposes ( su* ,act1 a grant "u 
?is section %all be consid]$ to be funds
 = a special project = purposes (       
section #cje7;c7 ( ! ,multifamily ,h\s+ 
,prop]ty ,disposition ,re=m ,act ( #aiid
 7#db ,u4,s4,c4 #cedg7;c774  7f7        
,def9itions ,= purposes ( ?is section1 !
 foll[+ def9itions %all apply3 7#a7     
nonpr(it organization ,! t]m nonpr(it   
organization has ! mean+ giv5 su* t]m 9 
section #ajd ( ! ,cran/on-,gonzalez     
,national ,af=dable ,h\s+ ,act 7#db     

,u4,s4,c4 #abgjd74  7#b7 ,eligible      
community developm5t organization ,! t]m
 eligible community developm5t          
organization means-- 7,a7 a unit ( g5]al
 local gov]nm5t 7z def9$ 9 section #ajd 
( ! ,cran/on-,gonzalez ,national        
,af=dable ,h\s+ ,act 7#db ,u4,s4,c4     
#abgjd772  7,b7 a community h\s+        
developm5t organization 7z def9$ 9      
section #ajd ( ! ,cran/on-,gonzalez     
,national ,af=dable ,h\s+ ,act 7#db     
,u4,s4,c4 #abgjd772  7,c7 an ,indian    
tribe or tribally designat$ h\s+ entity 
7z su* t]ms are def9$ 9 section #d ( !  
,native ,am]ican ,h\s+ ,assi/ance &     
,self-,det]m9ation ,act ( #aiif 7#be    
,u4,s4,c4 #dajc772 or  7,d7 a public    
h\s+ ag5cy1 z su* t]m is def9$ 9 section
 #c7;b7 ( ! ,unit$ ,/ates ,h\s+ ,act (  
#aicg 7#db ,u4,s4,c4 #adcg7;b774  7#c7  
,l[-income community ,! t]m l[-income   
community means a c5sus tract 9 :i* #ej 
p]c5t or m ( ! h\seholds h an income :i*
 is less ?an #hj p]c5t ( ! great] (--   
7,a7 ! m$ian gross income = su* ye> = ! 

area 9 :i* su* c5sus tract is locat$2 or
  7,b7 ! m$ian gross income = su* ye> = 
! ,/ate 9 :i* su* c5sus tract is locat$4
  7g7 ,au?orization ( appropriations    
,!re are au?oriz$ to be appropriat$ to !
 ,secret>y to c>ry out ?is section      
#bj1jjj1jjj = ea* ( fiscal ye>s #bjba   
?r\gh #bjbe4  #i4 ,b5*m>k+  7a7         
,def9itions ,= purposes ( ?is section1 !
 foll[+ def9itions %all apply3 7#a7     
,secret>y ,! t]m ,secret>y means !      
,secret>y ( ,h\s+ & ,urban ,developm5t4 
7#b7 ,,hud-assi/$ prop]ty ,! t]m        
,,hud-assi/$ prop]ty means a prop]ty    
assi/$ by any ( ! foll[+ programs3 7,a7 
,! program "u section #bjb ( ! ,h\s+    
,act ( #aiei 7#ab ,u4,s4,c4 #agjaq7 =   
supportive h\s+ = ! eld]ly4  7,b7 ,!    
program "u section #haa ( !             
,cran/on-,gonzalez ,national ,af=dable  
,h\s+ ,act 7#db ,u4,s4,c4 #hjac7 =      
supportive h\s+ = p]sons ) disabilities4
  7,c7 ,any program "u section #h ( !   
,unit$ ,/ates ,h\s+ ,act ( #aicg 7#db   
,u4,s4,c4 #adcg;f7 = r5tal assi/ance =  

l[-income families4  7,d7 ,any program =
 mortgage insurance = s+le-family h\s+  
"u title ,,ii ( ! ,national ,h\s+ ,act  
7#ab ,u4,s4,c4 #agjg et seq474  7,e7 ,! 
programs "u sections #bbj1 #bba7;d77#d71
 #bbc7;a77#g71 #bbc7;f71 #bcb1 &        
#bda7;a7 ( ! ,national ,h\s+ ,act 7#ab  
,u4,s4,c4 #agaek1 #agael7d77#d71        
#agaen7a77#g71 #agaen7f71 #agaew1       
#agaez-#f7;a774  7,f7 ,! programs "u    
subsections 7b7 & 7c7 ( section #edb ( !
 ,h\s+ & ,community ,developm5t ,act (  
#aiib 7#ab ,u4,s4,c4 #agjg note74  7#c7 
,b5*m>k$ ,,hud-assi/$ prop]ty ,! t]m    
b5*m>k$ ,,hud-assi/$ prop]ty means a    
,,hud-assi/$ prop]ty ) respect to :i*   
en]gy & wat] b5*m>k+ data is requir$ by 
a ,/ate or local au?ority to be report$ 
?r\gh ! ,,en]gy ,,/> ,portfolio ,manag]4
  7#d7 ,climate zone ,! t]m ,climate    
,zone means a region ( ! ,unit$ ,/ates z
 def9$ by ! ,environm5tal ,protection   
,ag5cy "u ! ,,en]gy ,,/> program or !   
,(fice ( ,en]gy ,effici5cy & ,r5ewable  
,en]gy ( ! ,dep>tm5t ( ,en]gy4  7b7     

,b5*m>k+ report  7#a7 ,9 g5]al ,n lat]  
?an ! expiration ( ! #a-ye> p]iod beg9n+
 on ! date ( ! enactm5t ( ?is ,act1 !   
,secret>y %all submit to ! ,committee on
 ,f9ancial ,s]vices ( ! ,h\se (         
,repres5tatives & ! ,committee on       
,bank+1 ,h\s+1 & ,urban ,affairs ( !    
,s5ate1 a report t includes-- 7,a7 an   
assessm5t ( ! curr5t /ate ( en]gy & wat]
 use b5*m>k+ 9 ! multifamily prop]ty    
sector2  7,b7 data id5tify+ ! numb] &   
squ>e footage ( multifamily prop]ties t 
are requir$ by ,/ate or local au?orities
 to report b5*m>k+ data1 ! proportion t 
are ,,hud-assi/$ prop]ties1 & !         
proportion ( all ,,hud-assi/$ prop]ties 
t are subject to su* requirem5ts2  7,c7 
data id5tify+ multifamily prop]ties t   
p>ticipate 9 ea* build+ /&>d 9 ! ,,hud  
,gre5 ,mortgage ,insurance ,premium     
program1 includ+ ! numb] & squ>e footage
 ( p>ticipat+ prop]ties & ! proportion (
 eligible prop]ties p>ticipat+2  7,d7   
data id5tify+ multifamily prop]ties t   
p>ticipate 9 ! ,,hud ,bett] ,build+s    

,*all5ge1 includ+ ! numb] & squ>e       
footage ( p>ticipat+ prop]ties2  7,e7   
e/imates ( ! ext5t ( ,,hud-assi/$       
prop]ties t are n conduct+ en]gy & wat] 
b5*m>k+2  7,f7 e/imates ( pot5tial en]gy
 & ,f$]al co/ sav+s if v>i\s levels (   
effici5cy 7 implem5t$ 9 ,,hud-assi/$    
prop]ties2  7,g7 in=mation id5tify+ !   
typical co/s ( multifamily b5*m>k+ &    
res\rces available to support           
multifamily own]s & op]ators 9 b5*m>k+2 
&  7,h7 in=mation relevant to ! impact (
 multifamily b5*m>k+1 includ+ publi%$   
rese>* /udies4  7#b7 ,public            
availability ,! ,secret>y %all make !   
report publicly available on ! website (
 ,,hud4  7c7 ,provision ( exi/+ b5*m>k+ 
data  7#a7 ,policies ,n lat] ?an !      
expiration ( ! #f-mon? p]iod beg9n+ on !
 date ( ! enactm5t ( ?is ,act1 !        
,secret>y %all issue su* regulations z  
may be necess>y to ensure t own]s (     
b5*m>k$ ,,hud-assi/$ prop]ties provide  
to ! ,secret>y-select$ ,,en]gy ,,/>     
,portfolio ,manag] data = ! prop]ty4 ,9 

develop+ su* regulations1 ! ,secret>y   
%all-- 7,a7 provide = data to be releas$
 9 a mann] t protects in=mation t       
id5tifies p>ticul> prop]ties1 b reta9s  
ess5tial geographical & build+          
*>act]i/ics to enable aggregate         
analysis2  7,b7 require data %>+ n less 
(t5 ?an e ?ree ye>s2  7,c7 id5tifies !  
m9imum data to be %>$2 &  7,d7 develop  
me*anisms to /reaml9e data reque/s & %>+
 9 collaboration ) ! ,environm5tal      
,protection ,ag5cy ,,en]gy ,,/> program4
  7#b7 ,analysis ,n lat] ?an !          
expiration ( ! #b-ye> p]iod beg9n+ on ! 
date ( ! enactm5t ( ?is ,act & annually 
!reaft]1 ! ,secret>y %all conduct an    
analysis ( ! data receiv$ "u ?is        
subsection & %all make ! f9d+s publicly 
available on ! website ( ,,hud4  7d7    
,en]gy use t>gets by climate zone  7#a7 
,9 g5]al ,n lat] ?an #a ye> aft] !      
enactm5t ( ?is ,act1 ! ,secret>y1 1 9   
consultation ) ! ,secret>y ( ,en]gy1    
%all-- 7,a7 compile en]gy consumption & 
bill data f multifamily prop]ties t is  

provid$ to ,,hud 9 connection ) utility 
all[ance det]m9ation & capital ne$s     
assessm5t activities2  7,b7 analyze !   
data 9 ord] to bett] und]/& en]gy       
consumption patt]ns & tr5ds ?r\gh\t !   
portfolio ( prop]ties repres5t$1 includ+
 relevant subcategory types (           
multifamily prop]ties2  7,c7 us+ ! data 
f subp>agraphs 7,a7 & 7,b71 develop     
en]gy int5sity /ati/ics = ea* climate   
zone & multifamily subcategory2 &  7,d7 
us+ ! data f subp>agraphs 7,a7 & 7,b71  
develop en]gy int5sity t>gets = ea*     
climate zone & multifamily subcategory  
reflect+ en]gy effici5cy p]=mance ( at  
lea/ #be p]c5t bel[ ! basel9e & relat$  
to ,,en]gy ,,/> p]=mance scores = ea*   
respective climate zone & multifamily   
subcategory4  7#b7 ,public availability 
,! ,secret>y %all make ! analysis &     
en]gy int5sity t>gets publicly available
 on ! website ( ,,hud4  7e7 ,multifamily
 utility b5*m>k+ toolkit ,! ,secret>y   
%all ma9ta9 & update1 f "t to "t1 !     
,multifamily ,utility ,b5*m>k+ ,toolkit4

  7f7 ,/akehold] engagem5t ,9 c>ry+ out 
?is section1 ! ,secret>y %all-- 7#a7    
engage ) /akehold]s reg>d+ multifamily  
su/a9ability1 includ+ provid+ education 
& opportunities = robu/ /akehold] input2
 &  7#b7 conduct t>get$ outrea* to      
repres5tatives ( public h\s+ ag5cies1   
h\s+ & t5ant advocates1 multifamily     
prop]ty own]s & manag]s1 en]gy effici5cy
 organizations1 ar*itects1 ,/ate & local
 gov]nm5ts1 multifamily f9ance entities1
 & o!r int]e/$ gr\ps4  #aj4 ,grants =   
regi/]$ appr5tice%ip programs 9 c]ta9   
indu/ries  7a7 ,9 g5]al ,! ,secret>y (  
,labor %all provide grants to regi/]$   
appr5tice%ip programs or                
pre-appr5tice%ip programs to exp&       
appr5tice%ip programs 9 ! foll[+        
indu/ries3 7#a7 ,en]gy-effici5t build+1 
con/ruction1 & retr(it indu/ries4  7#b7 
,decon/ruction & mat]ials use indu/ries4
  7#c7 ,en]gy effici5cy assessm5t       
indu/ry s]v+ resid5tial1 comm]cial1 or  
indu/rial sectors4  7#d7 ,manufactur]s t
 produce su/a9able processes & mat]ials4

  7#e7 ,build+ ma9t5ance & managem5t4   
7#f7 ,b5*m>k+ gre5h\se gas emissions f  
build+s4  7#g7 ,gr\nd s\rce heat+       
retr(its4  7#h7 ,air s\rce heat pump    
in/allation & ma9t5ance4  7#i7 ,c>bon   
capture & conveyance to process+        
facilities4  7b7 ,priority = t>get$     
communities ,9 provid+ grants "u !      
program e/abli%$ "u subsection 7a71 !   
,secret>y ( ,labor %all give priority to
 eligible entities t recruit employees--
 7#a7 f ! communities x s]ves2 &  7#b7  
:o are m9orities1 wom51 individuals :o  
are or 7 fo/] *ildr51 individuals :o are
 transition+ f fossil en]gy sector jobs1
 or vet]ans4  7c7 ,au?orization ,!re is 
au?oriz$ to be appropriat$ to c>ry out  
?is section #ajj1jjj1jjj = ea* ( fiscal 
ye>s #bjba ?r\gh #bjbe4  7d7 ,,gao ,/udy
 ,no lat] ?an #a ye> aft] ! date ( !    
enactm5t ( ?is ,act1 ! ,comptroll]      
,g5]al %all submit to ,congress a report
 detail+ ! b>ri]s ! resid5tial en]gy    
effici5cy sector exp]i5ces 9 work=ce    
tra9+ & access to skill$ work]s4 ,! /udy

 %all address ea* ( ! foll[+3 7#a7 ,!   
f9ancial b>ri]s ! resid5tial en]gy      
effici5cy sector faces 9 tra9+ new      
employees4  7#b7 ,! f9ancial b>ri]s !   
resid5tial en]gy effici5cy sector faces 
9 inve/+ 9 exi/+ employees to advance _!
 skills4  7#c7 ,an assessm5t ( !        
available local1 ,/ate1 & ,f$]al        
inve/m5ts 9 resid5tial en]gy effici5cy  
work=ce tra9+ programs1 includ+         
p>tn]%ips ) ,regi/]$ ,appr5tice%ip      
,programs & any regional diff]5ces4     
7#d7 ,an assessm5t ( any gaps betwe5    
available local1 ,/ate1 & ,f$]al        
inve/m5ts 9 resid5tial en]gy effici5cy  
work=ce tra9+ & ! dem& f small          
resid5tial en]gy effici5cy bus9esses4   
7#e7 ,recomm5dations = h[ to improve    
,f$]al programs to support skill$ work]s
 9 ! resid5tial en]gy effici5cy sector4 
#aa4 ,ensur+ availability ( home[n]s    
insurance = homes n connect$ to         
electricity grid  7a7 ,congressional    
int5t ,! ,congress int5ds t-- 7#a7      
consum]s %all n be d5i$ home[n]s        

insurance = a dwell+ 7z su* t]m is def9$
 9 subsection 7c77 bas$ solely on ! fact
 t ! dwell+ is n connect$ to or able to 
receive electricity s]vice f any        
:olesale or retail electric p[] provid]2
  7#b7 ,/ates %\ld ensure t consum]s are
 able to obta9 home[n]s insurance = su* 
dwell+s2  7#c7 ,/ates %\ld support      
insur]s t develop volunt>y inc5tives to 
provide su* insurance2 &  7#d7 ,/ates   
may n prohibit insur]s f (f]+ a home[n]s
 insurance product specifically design$ 
= su* dwell+s4  7b7 ,insur+ homes &     
relat$ prop]ty 9 ,indian areas ,not)/&+ 
any o!r provision ( law1 dwell+s locat$ 
9 ,indian areas 7z su* t]m is def9$ 9   
section #d ( ! ,native ,am]ican ,h\s+   
,assi/ance & ,self-,det]m9ation ,act (  
#aiif 7#be ,u4,s4,c4 #dajc77 & con/ruct$
 or ma9ta9$ us+ assi/ance1 loan         
gu>antees1 or o!r au?ority "u ! ,native 
,am]ican ,h\s+ ,assi/ance &             
,self-,det]m9ation ,act ( #aiif may be  
insur$ by any tribally own$             
self-insurance risk pool approv$ by !   

,secret>y ( ,h\s+ & ,urban ,developm5t4 
7c7 ,dwell+ def9$ ,= purposes ( ?is     
section1 ! t]m dwell+ means a resid5tial
 /ructure t-- 7#a7 consi/s ( "o to f\r  
dwell+ units2  7#b7 is provid$          
electricity f r5ewable en]gy s\rces2 &  
7#c7 is n connect$ to any :olesale or   
retail electrical p[] grid4  #ab4       
,def9itions ,= purposes ( ?is ,act1 !   
foll[+ def9itions %all apply3 7#a7 ,gre5
 build+ /&>ds ,! t]m gre5 build+ /&>ds  
means /&>ds to require use ( su/a9able  
design pr9ciples to r$uce ! use (       
nonr5ewable res\rces1 enc\rage          
en]gy-effici5t con/ruction &            
rehabilitation & ! use ( r5ewable en]gy 
res\rces1 m9imize ! impact ( developm5t 
on ! environm5t1 & improve indoor air   
quality4  7#b7 ,,hud ,! t]m ,,hud means 
! ,dep>tm5t ( ,h\s+ & ,urban            
,developm5t4  7#c7 ,,hud assi/ance or   
l5d+ program ,! t]m ,,hud assi/ance or  
l5d+ program means a program ( !        
,dep>tm5t ( ,h\s+ & ,urban ,developm5t =
 f9ancial assi/ance t is aw>d$1         

competitively or noncompetitively1      
allocat$ by =mula1 or provid$ by ,,hud  
?r\gh loan insurance or gu>antee4  7#d7 
,nonresid5tial /ructure ,! t]m          
nonresid5tial /ructures means only      
nonresid5tial /ructures t are appurt5ant
 to s+le-family or multifamily h\s+     
resid5tial /ructures1 or ^? t are fund$ 
by ! ,secret>y ( ,h\s+ & ,urban         
,developm5t ?r\gh ! ,,hud ,community    
,developm5t ,block ,grant program4  7#e7
 ,secret>y ,! t]m ,secret>y1 unless     
o!rwise specifi$1 means ! ,secret>y (   
,h\s+ & ,urban ,developm5t4