,,ii  #aag? ,,congress  #b;d ,session   
,s4 #deje  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,july #ab1 #bjbb,mr4   
,r\nds 7= himself & ,mr4 ,te/]7         
introduc$ ! foll[+ bill2 :i* 0 read     
twice & ref]r$ to ! ,committee on       
,vet]ans' ,affairs  ,a ,,bill  ,to am5d 
title #ch1 ,unit$ ,/ates ,code1 to      
improve ! program = direct h\s+ loans   
made to ,native ,am]ican vet]ans1 & =   
o!r purposes4  #a4 ,%ort title ,?is ,act
 may be cit$ z ! ,native ,am]ican       
,direct ,loan ,improvem5t ,act4  #b4    
,improvem5ts to program = direct h\s+   
loans made to ,native ,am]ican vet]ans  
by ! ,secret>y ( ,vet]ans ,affairs  7a7 
,direct loans to ,native ,am]ican       
vet]ans ,to ref9ance exi/+ mortgage     
loans ,section #cgfb7;h77#a7 ( title    
#ch1 ,unit$ ,/ates ,code1 is am5d$ by   
ins]t+ & exi/+ mortgage loans aft]      
section4  7b7 ,expansion ( outrea*      
program on availability ( direct h\s+   
loans = ,native ,am]ican vet]ans        
,section #cgfb7;i77#b7 ( su* title is   

am5d$ by add+ at ! end ! foll[+ new     
subp>agraph3  7,g7 ,aw>d+ grants to     
local s]vice provid]s1 su* z tribal     
organizations1 tribally designat$ h\s+  
entities1 ,native community developm5t  
f9ancial in/itutions1 & nonpr(it        
organizations1 = conduct+ outrea*1      
homebuy] education1 h\s+ c\nsel+1 risk  
mitigation1 & o!r te*nical assi/ance z  
ne$$ to assi/ ,native ,am]ican vet]ans  
seek+ to qualify = mortgage f9anc+4  4  
7c7 ,def9itions ,section #cgfe ( su*    
title is am5d$ by add+ at ! end ! foll[+
 new p>agraphs3  7#f7 ,! t]m community  
developm5t f9ancial in/itution has !    
mean+ giv5 t t]m 9 section #ajc ( !     
,community ,developm5t ,bank+ &         
,f9ancial ,in/itutions ,act ( #aiid 7#ab
 ,u4,s4,c4 #dgjb74  7#g7 ,! t]m ,native 
community developm5t f9ancial in/itution
 means any entity-- 7,a7 t has be5      
c]tifi$ z a community developm5t        
f9ancial in/itution by ! ,secret>y ( !  
,treasury2  7,b7 t is n less ?an #ej    
p]c5t own$ or controll$ by ,indians1    

,alaska natives1 or native ,hawaiians2 &
  7,c7 = :i* n less ?an #ej p]c5t ( !   
activities ( ! entity s]ve ,indians1    
,alaska natives1 or native ,hawaiians4  
7#h7 ,! t]m tribally designat$ h\s+     
entity has ! mean+ giv5 t t]m 9 section 
#d ( ! ,native ,am]ican ,h\s+ ,assi/ance
 & ,self-,det]m9ation ,act ( #aiif 7#be 
,u4,s4,c4 #dajc74  4  #c4 ,pilot program
 on rel5d+ ( direct h\s+ loans by       
,native community developm5t f9ancial   
in/itutions  7a7 ,def9itions ,9 ?is     
section-- 7#a7 ! t]m ,alaska ,native has
 ! mean+ giv5 ! t]m ,native 9 section   
#c7;b7 ( ! ,alaska ,native ,claims      
,settlem5t ,act 7#dc ,u4,s4,c4          
#afjb7;b772  7#b7 ! t]m community       
developm5t f9ancial in/itution has !    
mean+ giv5 ! t]m 9 section #ajc ( !     
,community ,developm5t ,bank+ &         
,f9ancial ,in/itutions ,act ( #aiid 7#ab
 ,u4,s4,c4 #dgjb72  7#c7 ! t]m ,indian  
,tribe has ! mean+ giv5 ! t]m ,indian   
tribe 9 section #d ( ! ,native ,am]ican 
,h\s+ ,assi/ance & ,self-,det]m9ation   

,act ( #aiif 7#be ,u4,s4,c4 #dajc72     
7#d7 ! t]m ,native ,am]ican vet]an has !
 mean+ giv5 ! t]m 9 section #cgfe (     
title #ch1 ,unit$ ,/ates ,code2  7#e7 ! 
t]m ,native community developm5t        
f9ancial in/itution means an entity--   
7,a7 t has be5 c]tifi$ z a community    
developm5t f9ancial in/itution by !     
,secret>y ( ! ,treasury2  7,b7 t is n   
less ?an #ej p]c5t own$ or controll$ by 
memb]s ( ,indian ,tribes1 ,alaska       
,native communities1 or ,native         
,hawaiian communities2 &  7,c7 = :i* n  
less ?an #ej p]c5t ( ! activities ( !   
entity s]ve ,indian ,tribes1 ,alaska    
,native communities1 or ,native         
,hawaiian communities2  7#f7 ! t]m      
,native ,hawaiian has ! mean+ giv5 ! t]m
 9 section #hja ( ! ,native ,am]ican    
,h\s+ ,assi/ance & ,self-,det]m9ation   
,act ( #aiif 7#be ,u4,s4,c4 #dbba72     
7#g7 ! t]m pilot program means ! pilot  
program c>ri$ out "u ?is section2  7#h7 
! t]m priority ,tribal l& means-- 7,a7  
any l& locat$ )9 ! b\nd>ies (-- 7i7 an  

,indian res]vation1 pueblo1 or ran*]ia2 
or  7ii7 a =m] res]vation )9 ,oklahoma2 
7,b7 any l& n locat$ )9 ! b\nd>ies ( an 
,indian res]vation1 pueblo1 or ran*]ia1 
! title to :i* is held-- 7i7 9 tru/ by !
 ,unit$ ,/ates = ! b5efit ( an ,indian  
,tribe or an individual ,indian2  7ii7  
by an ,indian ,tribe or an individual   
,indian1 subject to re/riction aga9/    
ali5ation "u laws ( ! ,unit$ ,/ates2 or 
7iii7 by a dep5d5t ,indian community2   
7,c7 any l& locat$ )9 a region e/abli%$ 
pursuant to section #g7;a7 ( ! ,alaska  
,native ,claims ,settlem5t ,act 7#dc    
,u4,s4,c4 #afjf7;a772  7,d7 ,hawaiian   
,home ,l&s1 z def9$ 9 section #hja ( !  
,native ,am]ican ,h\s+ ,assi/ance &     
,self-,det]m9ation ,act ( #aiif 7#be    
,u4,s4,c4 #dbba72 or  7,e7 ^? areas or  
communities designat$ by ! ,assi/ant    
,secret>y ( ,indian ,affairs ( !        
,dep>tm5t ( ! ,int]ior t are ne>1       
adjac5t1 or contigu\s to res]vations :]e
 f9ancial assi/ance & social s]vice     
programs are provid$ to ,indians because

 ( _! /atus z ,indians2 &  7#i7 ! t]m   
qualifi$ non-,native ,am]ican vet]an has
 ! mean+ giv5 ! t]m 9 section #cgfe (   
title #ch1 ,unit$ ,/ates ,code4  7b7    
,e/abli%m5t ,! ,secret>y ( ,vet]ans     
,affairs %all c>ry out a pilot program  
to assess ! feasibility & advisability (
 mak+ direct h\s+ loans to ,native      
community developm5t f9ancial           
in/itutions to all[ su* in/itutions to  
rel5d loan am\nts to qualifi$ ,native   
,am]ican vet]ans & qualifi$ non-,native 
,am]ican vet]ans4  7c7 ,application     
requirem5ts ,a ,native community        
developm5t f9ancial in/itution desir+ a 
loan "u ! pilot program %all demon/rate 
t ! in/itution-- 7#a7 c provide !       
non-,f$]al co/ %>e requir$ "u p>agraph  
7#f72 &  7#b7 is able to orig9ate &     
s]vice loans = s+le family homes4  7d7  
,l5d+ requirem5ts ,a ,native community  
developm5t f9ancial in/itution t        
receives a loan pursuant to ! pilot     
program %all-- 7#a7 use ^? am\nts to    
make loans to borr[]s :o-- 7,a7 are     

memb]s ( an ,indian ,tribe1 an ,alaska  
,native community1 or a ,native         
,hawaiian community2 or  7,b7 ma9ta9 a  
h\sehold 9 :i* n less #a memb] is a     
memb] ( an ,indian ,tribe1 an ,alaska   
,native community1 or a ,native         
,hawaiian community2 &  7#b7 9 mak+     
loans "u p>agraph 7#a71 give priority to
 borr[]s describ$ 9 t p>agraph :o are   
resid+ on priority ,tribal l&4  7e7     
,int]e/ rate ,a loan made to a ,native  
community developm5t f9ancial in/itution
 "u ! pilot program %all be> int]e/ at a
 rate ( #a p]c5t4  7f7 ,non-,f$]al co/  
%>e  7#a7 ,9 g5]al ,a ,native community 
developm5t f9ancial in/itution t        
receives a loan "u ! pilot program %all 
be requir$ to mat* n less ?an #bj p]c5t 
( ! am\nt receiv$4  7#b7 ,waiv] ,9 !    
case ( a loan = :i* am\nts are us$ to   
make loans to borr[]s describ$ 9        
subsection 7d77#b71 ! ,secret>y %all    
waive ! non-,f$]al co/ %>e requirem5t   
describ$ 9 p>agraph 7#a7 ) respect to ^?
 loan am\nts4  7g7 ,repaym5t ,a ,native 

community developm5t f9ancial in/itution
 %all repay a loan made "u ! pilot      
program to ! ,secret>y ( ,vet]ans       
,affairs4  7h7 ,fund+ ,( am\nts made    
available1 = ! fiscal ye> foll[+ !      
fiscal ye> 9 :i* ?is ,act is enact$1 = !
 program = direct h\s+ loans = ,native  
,am]ican vet]ans "u sub*apt] ,v ( *apt] 
#cg ( title #ch1 ,unit$ ,/ates ,code1 ! 
,secret>y ( ,vet]ans ,affairs may use   
#e1jjj1jjj to c>ry out ! pilot program4