,i  #aah? ,,congress  #b;d ,session  ,h4
 ,r4 #gdab  ,,9 ,,! ,,h\se ,,(          
,,repres5tatives  ,febru>y #bj1         
#bjbd,ms4 ,crockett 7= h]self1 ,mr4     
,jackson ( ,ill9ois1 & ,ms4 ,sal9as7    
introduc$ ! foll[+ bill2 :i* 0 ref]r$ to
 ! ,committee on ,f9ancial ,s]vices  ,a 
,,bill  ,to facilitate ! use ( rural    
h\s+ v\*]s4  #a4 ,%ort title ,?is ,act  
may be cit$ z ! ,rural ,h\s+ ,v\*]      
,enhancem5t ,act ( #bjbd4  #b4 ,f9d+s & 
purposes  7a7 ,f9d+s ,! ,congress f9ds !
 foll[+3 7#a7 ,across ! ,nation1        
,am]icans are fac+ a %ortage ( af=dable 
h\s+4  7#b7 ,! "r to a peaceful1        
af=dable1 dignifi$ place to live is a "r
 to :i* e ,am]ican is entitl$4  7#c7 ,9 
rural communities1 a lack ( h\s+ supply 
makes ! loss ( =m]ly af=dable h\s+      
deva/at+ to ! community4  7#d7 ,t is :y 
! ,unit$ ,/ates ,dep>tm5t ( ,agriculture
 provides ess5tial rural h\s+ v\*]s = ^?
 :o lose _! af=dability gu>antees4  7#e7
 ,! p s]v$ by ?is program are           
pr$om9ately s5iors & ,am]icans )        

disabilities4  7#f7 ,! ,dep>tm5t (      
,agriculture has be5 *>g$ ) a           
monum5tally important task t x has      
g5]ally excell$ 9 p]=m+1 especially     
consid]+ x op]ates ) f> less fund+ ?an x
 ne$s4  7#g7 ,nev]!less1 !re are        
,am]icans :o fall ?r\gh ! cracks & face 
h\s+ in/ability z a result4  7b7        
,purposes ,! purposes ( ?is ,act are z  
foll[s3 7#a7 ,to provide ! ,dep>tm5t (  
,agriculture ) ! tools necess>y to      
ensure ev]yone entitl$ to a rural h\s+  
v\*] rema9s h\s$4  7#b7 ,to cle>ly      
e/abli% a /&>d t x is unacceptable = any
 p]son :o is eligible = & *ooses to use 
a rural h\s+ v\*] to n be able to fully 
use _! v\*]4  7#c7 ,to make cle>1 de    
facto & de jure1 t giv+ full =ce to     
rural h\s+ v\*]s is a :ole-(-,gov]nm5t  
ef=t to gu>antee t h\s+ is a human "r4  
#c4 ,def9itions ,= purposes ( ?is ,act !
 foll[+ def9itions %all apply3 7#a7     
,rural h\s+ v\*] ,! t]m rural h\s+ v\*] 
means a v\*] = r5tal assi/ance issu$ by 
! ,secret>y ( ,agriculture pursuant to  

title ,v ( ! ,h\s+ ,act ( #aidi 7#db    
,u4,s4,c4 #adga et seq47 to a t5ant ( a 
multifamily prop]ty previ\sly f9anc$ ) a
 loan made or insur$ "u section #eae (  
su* title 7#db ,u4,s4,c4 #adhe7 or      
section #ead ( su* title 7#db ,u4,s4,c4 
#adhd71 or a grant "u section #eaf ( su*
 title 7#db ,u4,s4,c4 #adhf74  7#b7     
,secret>y ,! t]m ,secret>y1 except :]e  
o!rwise specifi$1 means ! ,secret>y (   
,agriculture4  #d4 ,modality ( notice   
7a7 ,modality requirem5ts  7#a7 ,/&>d ,!
 ,secret>y ( ,agriculture %all provide  
all notices relat+ to rural h\s+ v\*]s t
 are mail$ to t5ants to be provid$ 9 !  
=mat t be/ facilitates ! t5ant's und]/&+
 ( ! notice & advises ! t5ant ( any     
applicable appellate rights4  7#b7      
,alt]native =mats  7,a7 ,requirem5t ,if 
a t5ant has elect$ to receive in=mation 
f ano!r ag5cy ( ! ,f$]al ,gov]nm5t ag5cy
 9 an alt]native =mat to ! /&>d =mat1   
includ+ 9 a language o!r ?an ,engli% or 
9 braille1 l>ge type1 or audio =mat1 !  
,secret>y %all s5d all notices ref]r$ to

 9 p>agraph 7#a7 9 su* alt]native =mat1 
toge!r ) ! notice 9 ! /&>d =mat4  7,b7  
,indication ( pref]5ce ,! ,secret>y (   
,agriculture %all make available a      
me*anism = t5ants to indicate _!        
pref]5ce = receipt ( notices ref]r$ to 9
 p>agraph 7#a7 9 alt]native =mats & %all
 provide su* notices to t5ants 9        
accordance ) _! indicat$ pref]5ce4  7,c7
 ,action on t5ant's behalf ,! ,secret>y 
%all provide = ano!r individual1 ^u a   
sign$ c]tification t ! t5ant has        
au?oriz$ su* action1 to act on a t5ant's
 behalf 9 indicat+ a pref]5ce ) respect 
to an alt]native =mat ( notices4  7b7   
,coord9ation across ,f$]al ag5cies ,!   
,secret>y ( ,agriculture %all consult & 
coord9ate ) ! ,secret>y ( ! ,treasury & 
! ,commission] ( ! ,social ,security    
,adm9i/ration to implem5t ! proc$ures & 
sy/ems necess>y to comply ) subsection  
7a77#b77;,a74 ,! ,secret>y ( ! ,treasury
 & ! ,commission] ( ! ,social ,security 
,adm9i/ration %all provide all in=mation
 necess>y to ensure su* compliance4  7c7

 ,pla9 language ,)9 "o ye> aft] ! date (
 ! enactm5t ( ?is ,act1 ! ,secret>y %all
 revise ! language on ! /&>d notices    
provid$ pursuant to p>agraph 7#a7 to be 
9 compliance ) ! ,pla9 ,writ+ ,act (    
#bjaj 7#e ,u4,s4,c4 #cja note74  7d7    
,timel9e ( notice  7#a7 ,9 g5]al ,= ea* 
prop]ty f9anc$ "u section #eae1 or #ead 
& #eaf1 ( title ,v ( ! ,h\s+ ,act (     
#aidi hav+ t5ants :o may be eligible = a
 rural h\s+ v\*]1 ! ,secret>y %all      
provide notice z requir$ by p>agraph    
7#b7 )9 a reasonable "t4 ,9 ! ev5t (    
eligibility due to prepaym5t or mortgage
 maturity1 ! ,secret>y %all provide     
initial notice z requir$ by p>agraph    
7#b7 & subsequ5tly on an annual basis to
 ea* h\sehold foll[+ ! initial notice4  
7#b7 ,initial notice  7,a7 ,prepaym5t   
,)9 #cj days ( ! approval by ! ,secret>y
 ( a borr[]s' reque/ to prepay its loan 
"u su* section #eae or #ead & at lea/   
#abj days be=e ! prepaym5t date1 !      
,secret>y %all provide writt5 notice to 
ea* h\sehold resid+ 9 ! prop]ty t in=ms 

!m ( ! prepaym5t approval1 ! possible   
actions t may happ5 ) respect to !      
prop]ty ^u t prepaym5t1 & h[ to secure a
 rural h\s+ v\*]4  7,b7 ,mortgage       
maturity ,n lat] ?an ! date t is #c ye>s
 be=e ! date t ! loan "u su* section    
#eae or #ead = ! prop]ty w mature1 !    
,secret>y %all provide writt5 notice to 
ea* h\sehold resid+ 9 ! prop]ty t in=ms 
!m ( ! date ( ! loan maturity1 !        
possible actions t may happ5 ) respect  
to ! prop]ty ^u t maturity1 & h[ to     
secure a rural h\s+ v\*]4  #e4 ,l&lord  
outrea*  7a7 ,id5tification ( at-,risk  
prop]ties ,on an annual basis1 !        
,secret>y %all id5tify ! addresses ( !  
multifamily h\s+ prop]ties ) loans      
f9anc$ "u section #eae ( ! ,h\s+ ,act ( 
#aidi hav+ mortgages t are subject to   
loan accel]ation or maturity or r5tal   
assi/ance contracts t ! ,secret>y       
det]m9es are at risk ( be+ t]m9at$ )9 ! 
ensu+ #d ye>s )\t an ext5sion ( ! r5tal 
assi/ance contract4  7b7 ,education &   
outrea* to l&lords ,! ,secret>y %all    

engage 9 education & outrea* to l&lords1
 us+ multiple modalities & 9-p]son      
outrea*1 to promote l&lord int]e/ 9     
accept+ rural h\s+ v\*]s t may be issu$ 
to t5ants ( su* id5tifi$ at-risk        
prop]ties4  7c7 ,area ,su* education &  
outrea* %all be p]=m$ fir/ ) l&lords    
own+ prop]ties ) dwell+ units = r5t t   
are ne>e/ to su* id5tifi$ at-risk       
prop]ties & if1 aft] ext5sive outrea*1 !
 ,secret>y det]m9es !re to be           
insuffici5t int]e/ among su* l&lords !  
,secret>y %all exp& ! radius = ! area ( 
su* education & outrea* progressively up
 to an area )9 a #bj-mile radius ( su*  
id5tifi$ at-risk prop]ties4  7d7 ,%>+ ( 
in=mation ,! ,secret>y ( ,h\s+ & ,urban 
,developm5t %all provide ! ,secret>y (  
,agriculture ) te*nical assi/ance &     
tra9+ on conduct+ l&lord outrea* &      
education1 su* z p>tn]+ ) at ! public   
h\s+ ag5cy ^: jurisdiction is ne>e/ to  
an id5tifi$ at-risk prop]ty4  #f4       
,/rategic plan  7a7 ,e/abli%m5t ,!      
,secret>y %all1 n lat] ?an "o ye> aft] !

 date ( ! enactm5t ( ?is ,act1 e/abli% &
 submit to ! ,congress a /rategic plan t
 id5tifies-- 7#a7 = ea* ( ! ensu+ #e    
ye>s1 ! multifamily h\s+ prop]ties )    
loans f9anc$ "u section #eae ( ! ,h\s+  
,act ( #aidi hav+ r5tal assi/ance       
contracts t ,secret>y det]m9es are at   
risk ( exit+ ! portfolio1 :e!r because (
 ! loan be+ paid (f or = "s o!r reason2 
7#b7 = prop]ties at risk ( exit+ !      
portfolio 9 ! next ye>1 t5ants ^: leases
 w\ld expire or come up = r5ewal )9 "o1 
two1 & ?ree mon?s ( ! anticipat$ exit   
date ( ! prop]ty2  7#c7 a process =     
regul>ly updat+ ! in=mation describ$ 9  
7#b71 z precisely z possible1 z !       
anticipat$ exit date ( ! prop]ty        
approa*es2  7#d7 a me?od = id5tify+     
at-risk t5ants :o may n receive a rural 
h\s+ v\*]2  7#e7 an outrea* /rategy to  
in=m su* at-risk t5ants ( _! /atus &    
options = rema9+ h\s$2  7#f7 metrics &  
proc$ures to track ! /atus & outcomes ( 
su* at-risk t5ants2 &  7#g7 a           
compreh5sive proc$ure to ensure at-risk 

t5ants h _! v\*]s & h a suitable dwell+ 
to r5t us+ ! v\*] by ! "t _! lease      
expires or comes up = r5ewal4  7b7      
,implem5tation ,! ,secret>y %all fully &
 exp$iti\sly implem5t ! /rategic plan   
e/abli%$ pursuant to subsection 7a7 )9  
two ye>s aft] ! date ( ! enactm5t ( ?is 
,act4  7c7 ,reports ,dur+ ! #cj-mon?    
p]iod beg9n+ on ! date ( ! enactm5t (   
?is ,act1 ! ,secret>y %all provide a    
report to ! ,congress n less frequ5tly  
?an e ?ree mon?s on ! /atus ( !         
developm5t ( ! /rategic plan & !        
implem5tation ( ! plan4  7d7            
,coord9ation across ,f$]al ,gov]nm5t ,to
 ! ext5t o!r ,f$]al ag5cies are id5tifi$
 "u ! /rategic plan e/abli%$ pursuant to
 subsection 7a7 z be+ necess>y = !      
implem5tation ( ! plan1 x %all be ! duty
 ( ea* su* ag5cy s id5tifi$ to assi/ to 
! greate/ ext5t practical 9 fulfill+    
relevant reque/s by ! ,secret>y (       
,agriculture4  #g4 ,protection ( at-risk
 t5ants  7a7 ,waiv] & modification ,!   
,secret>y may waive any wait+ p]iod or  

deadl9e involv$ 9 ! disbursem5t or      
execution ( a rural h\s+ v\*] = at-risk 
t5ants z ! ,secret>y deems necess>y to  
ensure su* t5ants rema9 h\s$4  7b7      
,id5tify+ h\s+ /ock ,! ,secret>y %all "w
 ) int]e/$ l&lords id5tifi$ 9 section #e
 ( ?is ,act to pre-cle> dwell+s ne>     
at-risk t5ants z available = r5tal us+ a
 rural h\s+ v\*]4  #h4 ,reports to      
,congress  7a7 ,initial report ,!       
,secret>y %all1 n lat] ?an "o ye> aft] !
 date ( ! enactm5t ( ?is ,act1 submit to
 ! ,congress & make publicly available  
on ! website ( ! ,dep>tm5t (            
,agriculture1 a report detail+-- 7#a7 = 
t5ants 9 rural multifamily h\s+         
prop]ties ) loans f9anc$ "u section #eae
 ( ! ,h\s+ ,act ( #aidi hav+ r5tal      
assi/ance contracts t t]m9at$1 ! h\s+   
outcomes = su* t5ants "o mon?1 ?ree     
mon?s1 six mon?s1 & "o ye> aft] !       
t5ant's lease expires or is r5ew$2 &    
7#b7 = ea* ( ! ensu+ #d ye>s h[ _m rural
 multifamily h\s+ prop]ties are expect$ 
to end p>ticipation ! programs "u title 

,v ( ! ,h\s+ ,act ( #aidi1 ! numb] (    
pot5tially impact$ resid5ts1 & h[ _m    
prop]ties are at-risk z describ$ 9      
section #e7;a74  7b7 ,annual report ,on 
an annual basis1 ! ,secret>y %all submit
 to ! ,congress & make publicly         
available on ! website ( ! ,dep>tm5t (  
,agriculture in=mation id5tify+-- 7#a7 !
 numb] ( rural h\s+ v\*]s issu$ dur+ !  
prec$+ ye>2  7#b7 ! reason = ! issuance 
su* v\*]s1 includ+ :e!r ! mortgage on a 
prop]ty 0 prepaid1 ! mortgage = !       
prop]ty 0 =eclos$1 or any o!r reason2   
7#c7 :e!r ! prop]ty 0 subject to any =m 
( use re/riction2 &  7#d7 ! numb] (     
v\*]s t 7 n r5ew$ t 7 previ\sly utiliz$ 
by t5ants & ! reason = non-r5ewal ( !   
v\*]4  #i4 ,regulations ,! ,secret>y    
%all issue any regulations t may be     
necess>y to c>ry out ?is ,act & %all    
issue a notice ( propos$ rulemak+ = su* 
regulations n lat] ?an #c ye>s aft] !   
date ( ! enactm5t ( ?is ,act4  #aj4     
,au?orization ( appropriations ,!re is  
au?oriz$ to be appropriat$ su* sums z   

may be necess>y = ! ,secret>y (         
,agriculture to-- 7#a7 hire additional  
/aff to implem5t & en=ce ?is ,act2 &    
7#b7 obta9 su* additional supplies &    
in=mation te*nology to c>ry out ?is     
,act4