,i  #aah? ,,congress  #b;d ,session  ,h4
 ,r4 #iiij  ,,9 ,,! ,,h\se ,,(          
,,repres5tatives  ,octob] #ae1 #bjbd,mr4
 ,hill 7= himself1 ,mr4 ,fitzg]ald1 ,mr4
 ,rose1 ,mr4 ,lawl]1 ,mr4 ,nunn ( ,i[a1 
& ,mr4 ,meus]7 introduc$ ! foll[+ bill2 
:i* 0 ref]r$ to ! ,committee on         
,f9ancial ,s]vices  ,a ,,bill  ,to      
increase access to af=dable h\s+1 r$uce 
regulatory b>ri]s1 increase ov]sight1 & 
assi/ ! mo/ vuln]able4  #a4 ,%ort title2
 table ( cont5ts  7a7 ,%ort title ,?is  
,act may be cit$ z ! ,r5ew+ ,opportunity
 9 ! ,am]ican ,dream to ,h\s+ ,act or ! 
,,road to ,h\s+ ,act4  7b7 ,table (     
cont5ts ,! table ( cont5ts = ?is ,act is
 z foll[s3 ,sec4 #a4 ,%ort title2 table 
( cont5ts4,,title ,i--,improv+ f9ancial 
literacy,sec4 #aja4 ,re=ms to h\s+      
c\nsel+ & f9ancial lit]acy              
programs4,,title ,,ii--,increas+ access 
to housing,sec4 #bja4 ,r5tal assi/ance  
demon/ration program4,sec4 #bjb4 ,creat+
 inc5tives = small doll> loan           
orig9ators4,sec4 #bjc4 ,small doll>     

mortgage po9ts & fees4,,title           
,,iii--,regulatory flexibility,sec4     
#cja4 ,au?orization ( ,mov+ to ,"w      
,program4,sec4 #cjb4 ,improv+           
self-suffici5cy ( families 9            
,,hud-subsidiz$ h\s+4,sec4 #cjc4 ,updat+
 ! def9ition ( manufactur$ home4,,title 
,,iv--,s]v+ ! mo/ vulnerable,sec4 #dja4 
,inc5tiviz+ local solutions to          
homelessness4,,title ,v--,promot+       
opportunity,sec4 #eja4 ,increas+ h\s+ 9 
opportunity zones4,,title ,,vi--,good   
governance,sec4 #fja4 ,requir+ annual   
te/imony & ov]sight f h\s+              
regulators4,sec4 #fjb4 ,,fha report+    
requirem5ts on safety & s\ndness4,sec4  
#fjc4 ,unit$ ,/ates ,int]ag5cy ,c\ncil  
on ,homelessness4,sec4 #fjd4            
,neighborhood ,re9ve/m5t ,corporation   
ov]sight4  ,i ,improv+ f9ancial lit]acy 
#aja4 ,re=ms to h\s+ c\nsel+ & f9ancial 
lit]acy programs  7a7 ,9 g5]al ,section 
#ajf ( ! ,h\s+ & ,urban ,developm5t ,act
 ( #aifh 7#ab ,u4,s4,c4 #agjax7 is      
am5d$-- 7#a7 9 subsection 7a77#d7-- 7,a7

 9 subp>agraph 7,b71 by /rik+           
subp>agraph 7,d7 & ins]t+ subp>agraph   
7,e72  7,b7 9 subp>agraph 7,c71 by /rik+
 adequate di/ribution & all t foll[s    
?r\gh =eclosure rates & ins]t+ t !      
recipi5ts are geographically div]se &   
include organizations t s]ve urban or   
rural areas2  7,c7 by r$esignat+        
subp>agraphs 7,d71 7,e71 & 7,f7 z       
subp>agraphs 7,e71 7,f71 & 7,g71        
respectively2 &  7,d7 by ins]t+ aft]    
subp>agraph 7,c7 ! foll[+3  7,d7        
,priority consid]ation ,9 di/ribut+     
assi/ance made available "u ?is         
p>agraph1 ! ,secret>y %all give priority
 consid]ation to entities s]v+ areas ) !
 highe/ home =eclosure rates4  4  7#b7 9
 subsection 7e71 by add+ at ! end !     
foll[+3  7#f7 ,consid]ations  7,a7      
,cov]$ mortgage loan def9$ ,9 ?is       
p>agraph1 ! t]m cov]$ mortgage loan     
means any loan :i* is secur$ by a fir/  
or subord9ate li5 on resid5tial real    
prop]ty 7includ+ individual units (     
condom9iums & coop]atives7 design$      

pr9cipally = ! occupancy ( f #a- to     
#d-;families t is-- 7i7 insur$ by !     
,f$]al ,h\s+ ,adm9i/ration "u title ,,ii
 ( ! ,national ,h\s+ ,act 7#ab ,u4,s4,c4
 #agjg et seq472 or  7ii7 gu>ante$ "u   
section #ahd or #ahd;,a ( ! ,h\s+ &     
,community ,developm5t ,act ( #aiib 7#ab
 ,u4,s4,c4 #agaez-#ac;a1 #agaez-#ac;b74 
7,b7 ,comp>ison ,= ea* c\nselor employ$ 
by an organization receiv+ assi/ance "u 
?is section1 ! ,secret>y %all consid] ! 
compet5ce ( ! c\nselor comp>$ to !      
default rate ( all c\nsel$ borr[]s ( a  
cov]$ mortgage loan 9 comp>able m>kets1 
& su* o!r factors z ! ,secret>y det]m9es
 appropriate to fur!r ! purposes ( ?is  
section4  7#g7 ,susp5sion ( c]tification
 ,if1 bas$ on ! comp>ison requir$ "u    
p>agraph 7#f77;,b71 ! ,secret>y det]m9es
 t a c\nselor lacks compet5ce to provide
 c\nsel+ 9 ! areas describ$ 9 subsection
 7e77#b71 ! ,secret>y may-- 7,a7 require
 rete/+ ( ! individual2 or  7,b7 susp5d 
! c]tification "u ?is subsection = !    
individual4  2 &  7#c7 9 subsection     

7i7-- 7,a7 by r$esignat+ p>agraph 7#c7 z
 p>agraph 7#d72 &  7,b7 by ins]t+ aft]  
p>agraph 7#b7 ! foll[+3  7#c7 ,t]m9ation
 ( assi/ance  7,a7 ,9 g5]al ,! ,secret>y
 may d5y future cov]$ assi/ance to an   
organization or entity receiv+ cov]$    
assi/ance if ! ,secret>y det]m9es t !   
organization or entity1 or ! individual 
?r\gh :i* ! organization or entity      
provides su* c\nsel+1 pres5ts an        
unacceptable risk to families access+   
c\nsel+ s]vices or ! programs "u :i*    
cov]$ mortgage loans 7z def9$ 9         
subsection 7e77#f77;,a771 :i*           
det]m9ation %all be-- 7i7 bas$ on !     
comp>ison requir$ "u subsection         
7e77#f77;,b72 &  7ii7 made 9 accordance 
) regulations issu$ by ! ,secret>y4     
7,b7 ,notice  7i7 ,9 g5]al ,! ,secret>y 
%all give an organization or entity     
receiv+ cov]$ assi/ance at lea/ #fj days
 prior writt5 notice ( any t]m9ation "u 
?is p>agraph1 & ! t]m9ation %all take   
effect at ! end ( ! notice p]iod1 unless
 ! ,secret>y )draws ! t]m9ation notice  

or ext5ds ! notice p]iod4  7ii7 ,in=mal 
conf]5ce ,if reque/$ 9 writ+ by !       
organization or entity )9 #cj days ( !  
date ( ! notice describ$ 9 clause 7i71 !
 organization or entity %all be entitl$ 
to an in=mal conf]5ce ) ! (ficial       
au?oriz$ to issue t]m9ation notices on  
behalf ( ! ,secret>y 7or a designee ( t 
(ficial7 at :i* ! organization or entity
 may pres5t = consid]ation specific     
factors t ! organization or entity      
believes 7 beyond ! control ( !         
organization or entity & t caus$ !      
excessive default rates4  4  7b7 ,(f]+  
=eclosure mitigation c\nsel+  7#a7      
,cov]$ mortgage loan def9$ ,9 ?is       
subsection1 ! t]m cov]$ mortgage loan   
means any loan :i* is secur$ by a fir/  
or subord9ate li5 on resid5tial real    
prop]ty 7includ+ individual units (     
condom9iums & coop]atives7 design$      
pr9cipally = ! occupancy ( f #a- to     
#d-;families t is-- 7,a7 insur$ by !    
,f$]al ,h\s+ ,adm9i/ration "u title ,,ii
 ( ! ,national ,h\s+ ,act 7#ab ,u4,s4,c4

 #agjg et seq472  7,b7 gu>ante$ "u      
section #ahd or #ahd;,a ( ! ,h\s+ &     
,community ,developm5t ,act ( #aiib 7#ab
 ,u4,s4,c4 #agaez-#ac;a1 #agaez-#ac;b72 
7,c7 made1 gu>ante$1 or insur$ by !     
,dep>tm5t ( ,vet]ans ,affairs2 or  7,d7 
made1 gu>ante$1 or insur$ by ! ,dep>tm5t
 ( ,agriculture4  7#b7 ,opportunity =   
borr[]s ,a borr[] ) respect to a cov]$  
mortgage loan :o is #fj days or m       
del9qu5t on paym5ts = ! cov]$ mortgage  
loan %all be giv5 an opportunity to     
p>ticipate 9 h\s+ c\nsel+4  7#c7 ,co/ ,!
 co/ ( c\nsel+ = del9qu5t borr[]s       
describ$ 9 p>agraph 7#b7 ) respect to a 
cov]$ mortgage loan describ$ 9 p>agraph 
7#a77;,a7 %all be paid = by ! ,mutual   
,mortgage ,insurance ,fund1 z au?oriz$  
"u section #bjc7r77#d7 ( ! ,national    
,h\s+ ,act 7#ab ,u4,s4,c4 #agji7r77#d774
  ,,ii ,increas+ access to h\s+  #bja4  
,r5tal assi/ance demon/ration program ,!
 language "u ! head+ ,r5tal ,assi/ance  
,demon/ration 9 ! ,dep>tm5t ( ,h\s+ &   
,urban ,developm5t ,appropriations ,act1

 #bjab 7,public ,law #aab-ee71 is       
am5d$-- 7#a7 by /rik+ ! second proviso2 
&  7#b7 by /rik+ ! f\r? proviso4  #bjb4 
,creat+ inc5tives = small doll> loan    
orig9ators  7a7 ,small doll> mortgage   
def9$ ,9 ?is section1 ! t]m small doll> 
mortgage means a mortgage loan hav+ an  
orig9al pr9cipal obligation ( n m ?an   
#gj1jjj t is-- 7#a7 secur$ by real      
prop]ty design$ = ! occupancy ( #a- to  
#d-;families2 &  7#b7 7,a7 insur$ by !  
,f$]al ,h\s+ ,adm9i/ration "u title ,,ii
 ( ! ,national ,h\s+ ,act 7#ab ,u4,s4,c4
 #agjg et seq472  7,b7 made1 gu>ante$1  
or insur$ by ! ,dep>tm5t ( ,vet]ans     
,affairs2  7,c7 made1 gu>ante$1 or      
insur$ by ! ,dep>tm5t ( ,agriculture2 or
  7,d7 eligible to be pur*as$ or        
securitiz$ by ! ,f$]al ,home ,loan      
,mortgage ,corporation or ! ,f$]al      
,national ,mortgage ,association4  7b7  
,requirem5t ,to update regulations ,n   
lat] ?an #bgj days aft] ! date (        
enactm5t ( ?is ,act1 ! ,director ( !    
,bureau ( ,consum] ,f9ancial ,protection

 %all issue regulations to update "p    
#ajbf ( title #ab1 ,code ( ,f$]al       
,regulations 7commonly ref]r$ to z      
,regulation ,z7 to provide flexibilities
 = loan orig9ator comp5sation t enc\rage
 orig9ation ( small doll> mortgages4    
#bjc4 ,small doll> mortgage po9ts & fees
  7a7 ,def9ition ,9 ?is section1 ! t]m  
small doll> mortgage means a mortgage ) 
an orig9al pr9cipal obligation ( less   
?an #gj1jjj4  7b7 ,am5dm5ts requir$ ,n  
lat] ?an #bgj days aft] ! date (        
enactm5t ( ?is ,act1 ! ,director ( !    
,bureau ( ,consum] ,f9ancial            
,protection1 9 consultation ) !         
,secret>y ( ,h\s+ & ,urban ,developm5t &
 ! ,director ( ! ,f$]al ,h\s+ ,f9ance   
,ag5cy1 %all am5d ! limitations )       
respect to po9ts & fees "u section      
#ajbf4dc ( title #ab1 ,code ( ,f$]al    
,regulations1 or any successor          
regulation1 to enc\rage additional l5d+ 
= small doll> mortgages4  ,,iii         
,regulatory flexibility  #cja4          
,au?orization ( ,mov+ to ,"w ,program   

7a7 ,program re=ms ,section #bjd ( !    
,dep>tm5ts ( ,vet]ans ,affairs & ,h\s+ &
 ,urban ,developm5t1 & ,indep5d5t       
,ag5cies ,appropriations ,act1 #aiif    
7#db ,u4,s4,c4 #adcg;f note7 is am5d$-- 
7#a7 9 ! section head+1 by /rik+        
demon/ration & ins]t+ program2  7#b7 by 
/rik+ subsection 7a7 & ins]t+ ! foll[+3 
7a7 ,purposes ,! purposes ( ! program "u
 ?is section are z foll[s3 7#a7         
,economic indep5d5ce ,to develop        
measures to promote economic indep5d5ce 
= families ) *ildr5 ^: head ( h\sehold  
is work+1 seek+ "w1 or prep>+ = "w1 & = 
p]sons :o are able to "w1 to obta9      
employm5t & become economically         
indep5d5t1 by p>ticipat+ 9 job tra9+1   
educational programs1 or o!r supportive 
s]vices & programs t assi/ 9 meet+ su*  
goal4  7#b7 ,flexibility &              
co/-effectiv5ess ,to give public h\s+   
ag5cies & ! ,secret>y ( ,h\s+ & ,urban  
,developm5t ! flexibility to design &   
implem5t v>i\s approa*es = provid+ &    
adm9i/]+ h\s+ assi/ance t r$uce co/ &   

a*ieve great] co/ effectiv5ess 9 ,f$]al 
exp5ditures4  7#c7 ,h\s+ *oice ,to      
increase h\s+ *oices = l[-income        
families4  2  7#c7 9 subsection 7b7--   
7,a7 by /rik+ 7b7 ,program au?ority4--,!
 ,secret>y & ins]t+ ! foll[+3  7b7      
,program au?ority  7#a7 ,9 g5]al ,!     
,secret>y  2  7,b7 9 ! fir/ s5t5ce1 by  
/rik+ conduct a demon/ration program &  
all t foll[s ?r\gh ,indian h\s+ program 
& & ins]t+ c>ry out a program "u ?is    
section "u :i* public h\s+ ag5cies      
adm9i/]+ ! public h\s+ program or2  7,c7
 by ins]t+ aft] ! fir/ s5t5ce ! foll[+3 
,!re %all be no limitation on ! numb] ( 
public h\s+ ag5cies t may p>ticipate 9 !
 program "u ?is section42  7,d7 by /rik+
 ,! ,secret>y %all & all t foll[s ?r\gh 
demon/ration4 & ins]t+ ! foll[+3  7#b7  
,id5tification ( replicable models ,!   
,secret>y %all provide tra9+ & te*nical 
assi/ance "u ! program & conduct detail$
 evaluations ( v>i\s ag5cies to id5tify 
replicable program models promot+ !     
purposes ( ! program4  2  7,e7 by /rik+ 

,"u ! demon/ration & ins]t+ ! foll[+3   
7#c7 ,comb9ation ( assi/ance ,"u !      
program "u ?is section  2 &  7,f7 by    
/rik+ op]at+ assi/ance provid$ "u       
section #i ( ! ,unit$ ,/ates ,h\s+ ,act 
( #aicg1 mod]nization assi/ance provid$ 
"u section #ad & ins]t+ am\nts provid$  
to ! ag5cy f ! ,op]at+ ,fund "u section 
#i7;e7 ( ! ,unit$ ,/ates ,h\s+ ,act (   
#aicg1 am\nts provid$ to ! ag5cy f !    
,capital ,fund "u section #i7;d72  7#d7 
9 subsection 7c7-- 7,a7 9 ! matt] prec$+
 p>agraph 7#a71 by /rik+ demon/ration & 
ins]t+ program "u ?is section2  7,b7 9  
p>agraph 7#a71 by /rik+ #i1 & #ad &     
ins]t+ #i7;d71 & #i7;e72  7,c7 9        
p>agraph 7#c7-- 7i7 9 subp>agraph 7,a71 
by /rik+ demon/ration2  7ii7 9          
subp>agraph 7,b7-- 7,i7 by /rik+        
self-suffici5cy & ins]t+ economic       
indep5d5ce2 &  7,,ii7 by /rik+ purpose (
 ?is demon/ration & ins]t+ purpose ( !  
program "u subsection 7a77#a72  7iii7 9 
subp>agraph 7,d71 by /rik+ demon/ration 
& ins]t+ program "u ?is section22  7iv7 

9 subp>agraph 7,e71 by /rik+            
demon/ration program & ins]t+ program "u
 ?is section2  7v7 by r$esignat+        
subp>agraphs 7,a71 7,b71 7,c71 7,d71 &  
7,e7 z subp>agraphs 7,b71 7,c71 7,d71   
7,g71 & 7,h71 respectively2  7vi7 by    
ins]t+ be=e subp>agraph 7,b71 z s       
r$esignat$1 ! foll[+3  7,a7 actions to  
be tak5 "u ! propos$ program to a*ieve !
 purposes ( ! program "u p>agraphs 7#a71
 7#b71 & 7#c7 ( subsection 7a72  2 &    
7vii7 by ins]t+ aft] subp>agraph 7,d71 z
 s r$esignat$1 ! foll[+3  7,e7 h>d%ip   
exceptions consi/5t ) ! purposes "u     
subsection 7a7 "u :i* t5ants may be     
tempor>ily exempt$ f compliance ) !     
program op]at$ by ! ag5cy 9 ! ev5t (    
ext5uat+ circum/ances prev5t+ su*       
compliance & a process t provides t5ants
 ) rec\rse to a spe$y det]m9ation reg>d+
 su* an exception & makes available !   
cont5ts & results ( su* a det]m9ation   
available to ! public & ! bo>d (        
directors or o!r gov]n+ body on reque/ (
 ! t5ant conc]n$ & ! director or o!r    

head (ficial ( ! ag5cy2  7,f7 provid+   
assi/$ families & p>ticipants 9 !       
program op]at$ by ! ag5cy ) an in=mal   
adm9i/rative he>+ or grievance process1 
prior to any eviction or t]m9ation (    
assi/ance1 :i* process %all make !      
cont5t & det]m9ation ( ! he>+ available 
to ! public & ! bo>d ( directors or o!r 
gov]n+ body on reque/ ( ! t5ant conc]n$ 
& ! director or o!r head (ficial ( !    
ag5cy2  2 &  7,d7 9 p>agraph 7#d71 by   
/rik+ demon/ration & ins]t+ propos$     
program2  7#e7 9 subsection 7d7-- 7,a7  
by /rik+ 7d7 ,selection4--,9 select+    
among applications1 ! ,secret>y %all    
take into acc\nt ! pot5tial ( ea* ag5cy 
to plan & c>ry out a program "u !       
demon/ration & ins]t+ ! foll[+3  7d7    
,applications = p>ticipation  7#a7      
,submission2 /&>ds = p>ticipation ,!    
,secret>y %all provide = public h\s+    
ag5cies to submit applications =        
p>ticipation 9 ! program "u ?is section 
& %all e/abli%1 & make public1 /&>ds &  
requirem5ts = p>ticipation t fur!r !    

purposes ( ?is program set =? 9         
subsection 7a71 :i* %all-- 7,a7 provide 
t all public h\s+ ag5cies designat$ z   
high p]=m]s pursuant to "p #ijb or      
subp>t ,b ( "p #ihe1 ,code ( ,f$]al     
,regulations1 at any "t dur+ ! mo/ rec5t
 #b fiscal ye>s are invit$ to submit    
applications = consid]ation2  7,b7      
provide t p>ticipation ( a public h\s+  
ag5cy1 ^u approval1 %all be = a p]iod n 
%ort] ?an #aj ye>s2  7,c7 include a     
common set ( p]=mance metrics = use "u !
 program t all[ = comp>ison ( ! p]=mance
 ( diff]5t public h\s+ ag5cies "u !     
program2 &  7,d7 require t ea* public   
h\s+ ag5cy include 9 its application--  
7i7 a li/ ( innovative proposals to be  
c>ri$ out "u ! program t are design$ to 
r$uce ! co/ (1 & increase !             
co/-effici5cy (1 h\s+ provid$ 9         
connection ) ! program & metrics to     
assess ! progress ( ! ag5cy t[>d su*    
goals2 &  7ii7 a li/ ( innovative mann]s
 9 :i* ! public h\s+ ag5cy w use !      
au?orities "u ! program to assi/        

families1 goals reg>d+ su* activities to
 accompli% on an annual basis1 & metrics
 to assess ! progress ( ! ag5cy t[>d su*
 goals4  7#b7 ,det]m9ation &            
notification  7,a7 ,review & det]m9ation
 ,^u receipt ( an application =         
p>ticipation 9 ! program "u ?is section1
 ! ,secret>y %all provide = review su*  
application by a selection panel        
compris$ ( ,f$]al (ficials & employees &
 e/abli%$ by ! ,secret>y = su* purpose4 
,bas$ on su* review1 su* selection panel
 %all make a det]m9ation ( :e!r to      
approve su* ag5cy = p>ticipation 9 !    
program "u ?is section1 bas$ on !       
crit]ia "u p>agraph 7#d74  7,b7         
,notification ,^u mak+ a det]m9ation    
pursuant to subp>agraph 7,a71 !         
selection panel %all notify ! public    
h\s+ ag5cy1 ! ,secret>y1 & ! gov]nm5ts =
 any c\nties & municipalities 9 :i* !   
jurisdiction ( ! public h\s+ ag5cy is   
locat$ ( su* det]m9ation4 ,9 ! case (   
disapproval ( an application1 su* notice
 %all include a /atem5t specify+ !      

reasons = su* disapproval4  7#c7        
,transition  7,a7 ,num]ical limitation  
7i7 ,9 g5]al ,! ,secret>y %all review & 
process su* applications z to enable !  
transition ( n few] ?an #be public h\s+ 
ag5cies p] ye> to ! program "u ?is      
section 7subject to eligible            
applications71 until su* "t z !re are n 
#be public h\s+ ag5cies ^: applications 
m]it approval4  7ii7 ,res]v$ spots =    
small & rural ,p,h,as ,( ! applications 
( public h\s+ ag5cies approv$ 9 ea* ye> 
pursuant to clause 7i71 n less ?an #aj  
%all be applications ( public h\s+      
ag5cies t adm9i/]1 9 ! aggregate1 few]  
?an #f1jjj v\*]s = r5tal assi/ance "u   
section #h ( ! ,unit$ ,/ates ,h\s+ ,act 
( #aicg 7#db ,u4,s4,c4 #adcg;f7 & public
 h\s+ dwell+ units1 except t if = any   
ye> ! ,secret>y receives few] ?an #aj   
applications by public h\s+ ag5cies     
describ$ 9 ?is clause t m]it approval1 !
 requirem5t "u ?is clause %all apply =  
su* ye> only to ! ext5t ( ! numb] ( su* 
approvable applications receiv$4  7iii7 

,treatm5t ( new ,,mtw ag5cies ,any ag5cy
 t is newly transition$ "u ?is          
subp>agraph to p>ticipation 9 ! program 
z 9 effect pursuant to ! am5dm5ts made  
by ! ,r5ew+ ,opportunity 9 ! ,am]ican   
,dream to ,h\s+ ,act %all c\nt t[>d     
fulfillm5t ( ! num]ical limitation 9    
clause 7i71 not)/&+ ! au?ority "u       
section #bci ( ! ,transportation1 ,h\s+ 
& ,urban ,developm5t1 & ,relat$ ,ag5cies
 ,appropriations ,act1 #bjaf 7division  
,l ( ,public ,law #aad-aac7 or any o!r  
provision ( law o!r ?an ?is section     
au?oriz+ p>ticipation ( new ag5cies4    
7,b7 ,revisions ,! ,secret>y %all1 f "t 
to "t & 9 consultation ) public h\s+    
ag5cies1 am5d gov]n+ docum5ts =         
p>ticipation by ag5cies 9 ! program "u  
?is section1 z ! ,secret>y det]m9es     
necess>y4  7,c7 ,r5ewal ( p>ticipation  
7i7 ,9 g5]al ,! ,secret>y %all provide t
 ^u expiration ( a contract =           
p>ticipation by a public h\s+ ag5cy 9 ! 
program "u ?is section1 to cont9ue      
p>ticipat+ 9 ! program1 ! public h\s+   

ag5cy %all be requir$ to reque/ to r5ew 
! p>ticipation ( ! ag5cy ) ! ,secret>y4 
,! /&>ds & requirem5ts applicable to    
applications = initial p>ticipation 9 ! 
program %all also apply to applications 
= r5ew$ p>ticipation 9 ! program4 ,r5ew$
 p>ticipation ( a public h\s+ ag5cy "u  
?is clause %all proce$ "u ! same t]ms   
applicable = ! initial p>ticipation ( ! 
public h\s+ ag5cy 9 ! program4  7ii7    
,treatm5t ( num]ical limitation ,an     
ag5cy approv$ = cont9u$ p>ticipation 9 !
 program pursuant to rec]tification "u  
?is subp>agraph %all n c\nt t[>d        
fulfillm5t ( ! num]ical limitation 9    
subp>agraph 7,a77i74  7#d7 ,crit]ia ,!  
,secret>y %all e/abli% crit]ia =        
approval ( applications ( public h\s+   
ag5cies = p>ticipation 9 ! program "u   
?is section1 :i* %all provide = approval
 ( applications t are reasonably design$
 to c>ry out ! purposes ( ! program "u  
subsection 7a74 ,su* crit]ia %all take  
into consid]ation ! capacity & !        
pot5tial ( ea* ag5cy to plan & c>ry out 

a program  2  7,b7 by /rik+ ea* & ins]t+
 !2  7,c7 by /rik+ a program "u !       
demon/ration & ins]t+ ! propos$ program 
9 ! application2 &  7,d7 by /rik+ an    
ag5cy & ins]t+ ! ag5cy2  7#f7 9         
subsection 7e7-- 7,a7 9 p>agraph 7#a71  
by /rik+ ?is demon/ration & ins]t+ !    
program "u ?is section2 &  7,b7 9       
p>agraph 7#b71 by /rik+ demon/ration &  
ins]t+ program "u ?is section2  7#g7 9  
subsection 7f71 by /rik+ section #i1 or 
pursuant to section #ad by a public h\s+
 ag5cy p>ticipat+ 9 ! demon/ration "u   
?is "p & ins]t+ ( ! ,unit$ ,/ates ,h\s+ 
,act ( #aicg1 or provid$ f ! ,op]at+    
,fund "u section #i7;e7 or f ! ,capital 
,fund "u section #i7;d7 ( su* ,act1 by a
 public h\s+ ag5cy p>ticipat+ 9 !       
program "u ?is section2  7#h7 9         
subsection 7g7-- 7,a7 9 p>agraph 7#a71  
by ins]t+ 1 includ+ p]=mance 9 a*iev+   
ea* ( ! purposes ( ! program specifi$ 9 
subsection 7a72  7,b7 9 p>agraph 7#b7-- 
7i7 9 ! fir/ s5t5ce-- 7,i7 by ins]t+ 1 &
 includ+ su* cont5t1 z %all be be=e     

specifi$ by ! ,secret>y2 &  7,,ii7 by   
ins]t+ 1 b n less (t5 ?an annually be=e 
! p]iod at ! end2 &  7ii7 9 ! second    
s5t5ce-- 7,i7 9 subp>agraph 7,b71 by    
/rik+ ! demon/ration & ins]t+ ! program2
 &  7,,ii7 by /rik+ subp>agraph 7,c7 &  
ins]t+ ! foll[+3  7,c7 describe &       
analyze ! effects ( ! program ( ! ag5cy 
& ! assi/$ activities "u su* program 9  
address+ & a*iev+ ! objectives ( !      
program "u ?is section & ea* ( !        
purposes specifi$ 9 subsection 7a71     
includ+ ! effects ( ! program on-- 7i7 !
 numb] ( new families ! ag5cy has be5   
able to assi/ f ! wait+ li/s = h\s+     
assi/ance t is adm9i/]$ by ! ag5cy1     
includ+ v\*]s = r5tal assi/ance "u      
section #h7o7 ( ! ,unit$ ,/ates ,h\s+   
,act ( #aicg 7#db ,u4,s4,c4 #adcg;f7o77 
& dwell+ units 9 public h\s+1 z a result
 ( ! flexibility ( funds & a*ievem5t (  
economic indep5d5ce2  7ii7 ! co/ &      
annual *ange1 p] family p>ticipat+ 9 !  
program1 ( provid+ h\s+ assi/ance ref]r$
 to 9 clause 7i7 t is adm9i/]$ by !     

ag5cy2  7iii7 any co/ sav+s & additional
 h\s+ result+ f ! program2  7iv7 !      
h\sehold incomes1 & *anges 9 su*        
incomes1 ( memb]s ( families p>ticipat+ 
9 ! program :o are n exempt f "w        
requirem5ts2 &  7v7 su* o!r factors z ! 
,secret>y consid]s appropriate4  2  7,c7
 by r$esignat+ p>agraphs 7#c7 & 7#d7 z  
p>agraphs 7#e7 & 7#f72 &  7,d7 by ins]t+
 aft] p>agraph 7#b7 ! foll[+ new        
p>agraphs3  7#c7 ,annual plan  7,a7     
,requirem5t ,ea* ag5cy %all submit      
annually to ! ,secret>y1 toge!r ) !     
report "u p>agraph 7#b71 a plan = !     
program ( ! ag5cy = ! upcom+ ye> & %all 
make su* plan publicly available4  7,b7 
,=m & metrics ,ea* annual plan %all be  
set =? 9 a /&>d =m1 prescrib$ by !      
,secret>y & %all utilize common p]=mance
 metrics t all[ = comp>ison ( ! plans ( 
all public h\s+ ag5cies p>ticipat+ 9 !  
program4  7,c7 ,cont5t ,ea* annual plan 
%all include su* cont5t z ! ,secret>y   
%all specify1 :i* %all include-- 7i7 a  
description & explanation ( all new     

rules & policy *anges adopt$ by ! ag5cy 
9 accordance ) ?is section & ! program  
"u ?is section &1 ) respect to su* new  
rules & policy *anges-- 7,i7 a          
description ( ! effect su* rules &      
*anges w h on ! op]ation ( ! ag5cy z    
comp>$ to ! prec$+ ye> & z comp>$ to !  
op]ations ( ! ag5cy o!r ?an "u ! program
 "u ?is section2  7,,ii7 a description (
 ! ext5t to :i* su* rules & *anges help$
 to a*ieve ! annual goals id5tifi$ 9 !  
public h\s+ ag5cy's application pursuant
 to subsection 7d77#a77;,e7 &1 9 ! case 
( any su* goals n a*iev$1 a description 
( ! ext5t to :i* su* goals 7 n a*iev$ & 
! reasons = su* failure2 &  7,,iii7 :e!r
 ! adoption ( su* new rules & policy    
*anges requir$ an adju/m5t 9 ! annual   
goals id5tifi$ 9 ! public h\s+ ag5cy's  
application pursuant to subsection      
7d77#a72  7ii7 a plan = all capital     
assets & anticipat$ con/ruction &       
rehabilitation activities ( ! public    
h\s+ ag5cy 9 ! upcom+ ye> & a           
description ( :e!r & h[ su* activities  

are au?oriz$ & assi/$ "u ! program "u   
?is section2 &  7iii7 assurances        
satisfactory to ! ,secret>y t su* plan w
 con=m ) all applicable provisions (    
title ,,vi ( ! ,civil ,rights ,act (    
#aifd 7#db ,u4,s4,c4 #bjjj;d et seq471 !
 ,fair ,h\s+ ,act 7#db ,u4,s4,c4 #cfja  
et seq471 section #ejd ( !              
,rehabilitation ,act ( #aigc 7#bi       
,u4,s4,c4 #gid71 & ! ,am]icans )        
,disabilities ,act ( #aiij 7#db         
,u4,s4,c4 #abaja et seq474  7#d7 ,public
 & resid5t p>ticipation  7,a7           
,notification ( resid5ts ,ea* public    
h\s+ ag5cy %all annually hold a meet+ to
 notify all assi/$ families p>ticipat+ 9
 ! program ( ! public h\s+ ag5cy ( !    
cont5ts ( ! plan "u p>agraph 7#c7 = su* 
ye> & impacts on su* assi/$ families4   
,any public h\s+ ag5cy t assi/s1 9 !    
aggregate1 m ?an #ej1jjj families or    
assi/s families 9 multiple c\nties %all 
hold z _m meet+s z necess>y to provide  
ea* assi/$ family a good-fai?           
opportunity to att5d su* a meet+4  7,b7 

,public comm5t ,ea* annual report "u    
p>agraph 7#b7 & annual plan "u p>agraph 
7#c7 %all-- 7i7 be made available =     
inspection & public comm5t #cj days be=e
 ! meet+ requir$ by subp>agraph 7,a7    
reg>d+ su* plan or report2 &  7ii7 be   
approv$ 9 a public meet+ ( ! bo>d (     
directors or o!r gov]n+ body ( ! public 
h\s+ ag5cy be=e submission to !         
,secret>y4  7,c7 ,public availability   
,ea* annual report "u p>agraph 7#b7 &   
annual plan "u p>agraph 7#c7 %all1 ^u   
submission to ! ,secret>y1 be made      
publicly available & %all include all   
comm5ts provid$ pursuant to subp>agraph 
7,b74  2  7#i7 9 subsection 7h7-- 7,a7 9
 p>agraph 7#a71 by /rik+ demon/ration & 
ins]t+ program "u ?is section2 &  7,b7  
by /rik+ p>agraph 7#b7 & ins]t+ !       
foll[+3  7#b7 ,review ,! ,secret>y %all 
annually review ! activities ( ea*      
public h\s+ ag5cy p>ticipat+ 9 ! program
 "u ?is section &1 bas$ on su* review & 
! in=mation submitt$ by ! ag5cy pursuant
 to subsection 7g71 det]m9e-- 7,a7 !    

impact & effectiv5ess ( ! public h\s+   
ag5cy's program & activities 9 a*iev+   
ea* ( ! purposes ( ! program specifi$ 9 
subsection 7a71 includ+ an assessm5t (  
su* impact & effectiv5ess us+ ! common  
set ( budget metrics e/abli%$ pursuant  
to subsection 7d77#a77;,d72  7,b7 !     
progress ( ! public h\s+ ag5cy t[>d     
meet+ ! goals id5tifi$ 9 ! public h\s+  
ag5cy's application pursuant to         
subsection 7d77#a77;,e71 us+ ! metrics  
id5tifi$ 9 ! public h\s+ ag5cy's        
application pursuant to su* subsection2 
&  7,c7 ! ext5t ( compliance by ! public
 h\s+ ag5cy ) ! requirem5ts ( ! program 
"u ?is section &1 9 det]m9+ su* ext5t ( 
compliance1 %all take into consid]ation 
! unique *>act]i/ics ( ! public h\s+    
ag5cy4  7#c7 ,v]ification ( accuracy ,9 
assess+ in=mation submitt$ by public    
h\s+ ag5cies pursuant to subsection 7g7 
& 9 review+ su* in=mation & mak+        
det]m9ations pursuant to p>agraph 7#b7 (
 ?is subsection1 ! ,secret>y %all c>ry  
out control activities & proc$ures      

design$ to v]ify ! accuracy ( su*       
in=mation1 :i* %all include audit+ a    
repres5tative sample ( su* in=mation us+
 /&>d /ati/ical me?ods4  7#d7 ,cont9u$  
p>ticipation ,! ,secret>y %all n t]m9ate
 ! p>ticipation ( any public h\s+ ag5cy 
9 ! program "u ?is section unless !     
,secret>y f9ds t ! ag5cy-- 7,a7 is 9    
mat]ial default ( ! conditions &        
obligations "u ! gov]n+ docum5t = !     
p>ticipation 9 ! program2  7,b7 z       
demon/rat$ 9 its reports "u subsection  
7g77#b7 & its annual budget plans "u    
subsection 7g77#c71 has p]si/5tly fail$ 
to meet ! goals id5tifi$ 9 its          
application1 & ! reasons or circum/ances
 specifi$ 9 ! public h\s+ ag5cy's       
reports & plans = su* failure are n     
suffici5t to ju/ify ! cont9u$ failure2  
7,c7 has misus$ or misappropriat$ funds2
  7,d7 has fail$ to make a good fai?    
ef=t to c>ry out ! purposes ( ! program 
specifi$ 9 subsection 7a72 or  7,e7 has 
fail$ to cure a mat]ial defici5cy 9     
p]=mance aft] notice & an opportunity to

 correct ! defici5cy4  7#e7 ,corrective 
action program ,! ,secret>y %all c>ry   
out a program-- 7,a7 to id5tify public  
h\s+ ag5cies p>ticipat+ 9 ! program "u  
?is section t are at risk ( t]m9ation ( 
su* p>ticipation pursuant to p>agraph   
7#f72  7,b7 to consult ) su* public h\s+
 ag5cies reg>d+ actions t may be tak5 to
 avoid su* t]m9ation2  7,c7 to e/abli%  
goals & timel9es = su* corrective       
actions2 &  7,d7 to provide appropriate 
te*nical assi/ance design$ to facilitate
 su* actions & avoid su* t]m9ation4     
7#f7 ,t]m9ation ( p>ticipation ,any     
public h\s+ ag5cy ^: p>ticipation 9 !   
program "u ?is section is t]m9at$ %all  
be subject to ! provisions ( ! ,unit$   
,/ates ,h\s+ ,act ( #aicg 7#db ,u4,s4,c4
 #adcg et seq47 & all o!r provisions (  
law applicable to public h\s+ ag5cies n 
p>ticipat+ 9 ! program1 except t !      
,secret>y %all provide a transition     
p]iod1 t beg9s ^u su* t]m9ation & is n  
%ort] ?an #ah mon?s1 = su* public h\s+  
ag5cies to come into compliance ) su*   

laws4  7#g7 ,reports to ,congress ,n    
lat] ?an ! expiration ( ! #e-ye> p]iod  
beg9n+ on ! date ( ! enactm5t ( ! ,r5ew+
 ,opportunity 9 ! ,am]ican ,dream to    
,h\s+ ,act1 & n lat] ?an ! expiration ( 
ea* successive #e-ye> p]iod !reaft]1 !  
,secret>y %all submit a report to !     
,congress reg>d+ ! program "u ?is       
section & ! results ( ! reviews conduct$
 "u p>agraph 7#b71 :i* %all-- 7,a7      
evaluate ! programs c>ri$ out by public 
h\s+ ag5cies p>ticipat+ 9 ! program1    
includ+ ) respect to ea* ( ! purposes   
specifi$ 9 subsection 7a72 &  7,b7      
include f9d+s & recomm5dations =        
appropriate legislative *anges to !     
program4  7#h7 ,,gao reviews & reports  
,n lat] ?an #ahj days aft] ! date (     
enactm5t ( ! ,r5ew+ ,opportunity 9 !    
,am]ican ,dream to ,h\s+ ,act1 & n less 
frequ5tly ?an e #h ye>s !reaft]1 !      
,comptroll] ,g5]al ( ! ,unit$ ,/ates    
%all-- 7,a7 conduct & complete a review 
( ! program "u ?is section1 :i* %all    
include exam9ation & analysis ( !       

implem5tation ( ! program &             
id5tification ( any %ortcom+s & any     
means = improv+ ! program2 &  7,b7      
submit to ! ,congress a report reg>d+ ! 
review1 :i* %all set =? a detail$       
description ( su* implem5tation1 any    
%ortcom+s ( ! program id5tifi$1 &       
recomm5dations = improv+ ! program4  2  
7#aj7 9 subsection 7i7-- 7,a7 9 ! matt] 
prec$+ p>agraph 7#a71 by /rik+ section  
#ad ( ! ,unit$ ,/ates ,h\s+ ,act ( #aicg
 = fiscal ye>s #aiif1 #aiig1 & #aiih &  
ins]t+ ! ,capital ,fund "u section      
#i7;d7 ( ! ,unit$ ,/ates ,h\s+ ,act (   
#aicg 9 ea* fiscal ye>2 &  7,b7 9       
p>agraph 7#a7-- 7i7 9 subp>agraph 7,a71 
by /rik+ ! demon/ration & ins]t+ !      
program2 &  7ii7 9 subp>agraph 7,b71 by 
/rik+ up to #aj2 &  7#aa7 by /rik+      
subsection 7j74  7b7 ,treatm5t (        
p>ticipat+ ag5cies  7#a7 ,cont9uation ( 
p>ticipation ,?is section & ! am5dm5ts  
made by ?is section %all n affect !     
/atus ( any public h\s+ ag5cy t1 z ( !  
date ( ! enactm5t ( ?is ,act1 is        

p>ticipat+ 9 ! ,mov+ to ,"w ,program "u 
section #bjd ( ! ,dep>tm5ts ( ,vet]ans  
,affairs & ,h\s+ & ,urban ,developm5t1 &
 ,indep5d5t ,ag5cies ,appropriations    
,act1 #aiif 7#db ,u4,s4,c4 #adcg;f      
note71 z su* a p>ticipat+ ag5cy4  7#b7  
,election ,any public h\s+ ag5cy ref]r$ 
to 9 p>agraph 7#a7 may elect-- 7,a7 to  
cont9ue p>ticipation 9 ! ,program "u    
section #bjd ( ! ,dep>tm5ts ( ,vet]ans  
,affairs & ,h\s+ & ,urban ,developm5t1 &
 ,indep5d5t ,ag5cies ,appropriations    
,act1 #aiif 7#db ,u4,s4,c4 #adcg;f note7
 "u ! t]ms ( ! agreem5t ent]$ into      
betwe5 ! ag5cy & ! ,secret>y provid+ =  
su* p>ticipation until ! date ( !       
expiration ( su* agreem5t2 or  7,b7 at  
any "t be=e date ( ! expiration ( su*   
agreem5t1 to transition to p>ticipation 
"u ! program "u su* section #bjd1 z     
am5d$ by ?is ,act4  7#c7 ,conv]sion to  
re=m$ program  7,a7 ,9 g5]al ,except z  
provid$ 9 subp>agraph 7,b7 ( ?is        
p>agraph1 any public h\s+ ag5cy t elects
 pursuant to p>agraph 7#b77;,a7 ( ?is   

subsection to cont9ue p>ticipation 9 !  
,program "u section #bjd ( ! ,dep>tm5ts 
( ,vet]ans ,affairs & ,h\s+ & ,urban    
,developm5t1 & ,indep5d5t ,ag5cies      
,appropriations ,act1 #aiif 7#db        
,u4,s4,c4 #adcg;f note7 %all1 ^u !      
expiration ( ! agreem5t ref]r$ to 9 su* 
p>agraph1 be consid]$ to h be5 approv$ =
 p>ticipation 9 ! ,program "u su*       
section #bjd1 z am5d$ by ?is ,act1 & !  
,secret>y ( ,h\s+ & ,urban ,developm5t  
%all provide = ! transition ( ! ag5cy to
 p>ticipation "u ! ,program "u su*      
section z s am5d$4  7,b7                
,inapplicability ,subp>agraph 7,a7 %all 
n apply to any public h\s+ ag5cy t is   
det]m9$ by ! ,secret>y to be 9 mat]ial  
default1 ^u ! expiration ( ! agreem5t   
ref]r$ to 9 p>agraph 7#b77;,a71 ( !     
conditions & obligations "u su*         
agreem5t4  7#d7 ,inapplicability (      
num]ical limitation ,any public h\s+    
ag5cy transition$ pursuant to p>agraph  
7#b77;,b7 or 7#c77;,a7 ( ?is subsection 
to p>ticipation "u ! program "u section 

#bjd ( ! ,dep>tm5ts ( ,vet]ans ,affairs 
& ,h\s+ & ,urban ,developm5t1 &         
,indep5d5t ,ag5cies ,appropriations     
,act1 #aiif 7#db ,u4,s4,c4 #adcg;f      
note71 z am5d$ by ?is section1 %all n   
c\nt t[>d fulfillm5t ( ! num]ical       
limitation "u section #bjd7;d77#c77;,a7 
( ! ,dep>tm5ts ( ,vet]ans ,affairs &    
,h\s+ & ,urban ,developm5t1 & ,indep5d5t
 ,ag5cies ,appropriations ,act1 #aiif   
7#db ,u4,s4,c4 #adcg;f note71 z add$ by 
! am5dm5t made by ?is section4  #cjb4   
,improv+ self-suffici5cy ( families 9   
,,hud-subsidiz$ h\s+  7a7 ,9 g5]al  7#a7
 ,/udy ,subject to subsection 7b71 !    
,secret>y ( ,h\s+ & ,urban ,developm5t  
%all conduct a /udy on ! implem5tation (
 "w requirem5ts by public h\s+ ag5cies  
describ$ 9 p>agraph 7#b7 p>ticipat+ 9 ! 
program "u section #bjd ( ! ,dep>tm5ts (
 ,vet]ans ,affairs & ,h\s+ & ,urban     
,developm5t1 & ,indep5d5t ,ag5cies      
,appropriations ,act1 #aiif 7#db        
,u4,s4,c4 #adcg;f note71 z am5d$ by     
section #cja ( ?is ,act4  7#b7 ,public  

h\s+ ag5cies describ$ ,! public h\s+    
ag5cies describ$ 9 ?is p>agraph are     
public h\s+ ag5cies t1 z "p ( an        
application to p>ticipate 9 ! program "u
 section #bjd ( ! ,dep>tm5ts ( ,vet]ans 
,affairs & ,h\s+ & ,urban ,developm5t1 &
 ,indep5d5t ,ag5cies ,appropriations    
,act1 #aiif 7#db ,u4,s4,c4 #adcg;f      
note71 z am5d$ by section #cja ( ?is    
,act1 submit a proposal id5tify+ "w     
requirem5ts z an innovative proposal    
describ$ 9 section #bjd7;d77#a77;,d77i7 
( su* ,act1 z am5d$ by section #cja (   
?is ,act4  7b7 ,det]m9ation ,!          
requirem5t "u subsection 7a7 %all apply 
if ! ,secret>y ( ,h\s+ & ,urban         
,developm5t det]m9es t-- 7#a7 !re are a 
suffici5t numb] ( public h\s+ ag5cies   
describ$ 9 subsection 7a77#b7 su* t !   
,secret>y ( ,h\s+ & ,urban ,developm5t c
 rigor\sly evaluate ! impact ( !        
implem5tation ( "w requirem5ts describ$ 
9 t subsection2 &  7#b7 ! /udy w\ld n   
negatively impact l[-income families    
receiv+ assi/ance ?r\gh a public h\s+   

ag5cy describ$ 9 subsection 7a77#b74    
#cjc4 ,updat+ ! def9ition ( manufactur$ 
home  7a7 ,9 g5]al ,section #fjc7f7 ( ! 
,national ,manufactur$ ,h\s+            
,con/ruction & ,safety ,/&>ds ,act (    
#aigd 7#db ,u4,s4,c4 #edjb7f77 is am5d$ 
by /rik+ on a p]man5t *assis & ins]t+ ) 
or )\t a p]man5t *assis4  7b7           
,manufactur$ home c]tifications ,section
 #fjd ( ! ,national ,manufactur$ ,h\s+  
,con/ruction & ,safety ,/&>ds ,act (    
#aigd 7#db ,u4,s4,c4 #edjc7 is am5d$ by 
add+ at ! end ! foll[+3  7i7            
,manufactur$ home c]tifications  7#a7 ,9
 g5]al  7,a7 ,initial ,c]tification     
,subject to subp>agraph 7,b71 n lat] ?an
 #a ye> aft] ! date ( enactm5t ( !      
,r5ew+ ,opportunity 9 ! ,am]ican ,dream 
to ,h\s+ ,act1 a ,/ate %all submit to ! 
,secret>y an initial c]tification t !   
laws & regulations ( ! ,/ate-- 7i7 treat
 a manufactur$ home1 includ+ a          
manufactur$ home )\t a p]man5t *assis1 9
 p>ity ) a manufactur$ home 7z def9$ &  
regulat$ by ! ,/ate72 &  7ii7 subject a 

manufactur$ home )\t a p]man5t *assis to
 ! same laws & regulations ( ! ,/ate z a
 manufactur$ home built on a p]man5t    
*assis ) respect to f9anc+1 title1      
insurance1 manufacture1 sale1 taxes1    
transportation1 & in/allation4  7,b7    
,ext5d$ deadl9e ,) respect to a ,/ate ) 
a legislature t meets bi5nially1 !      
deadl9e = ! submission ( ! initial      
c]tification requir$ "u subp>agraph 7,a7
 %all be #b ye>s aft] ! date ( enactm5t 
( ! ,r5ew+ ,opportunity 9 ! ,am]ican    
,dream to ,h\s+ ,act4  7#b7 ,=m (       
c]tification ,! initial c]tification    
requir$ "u p>agraph 7#a77;,a7 %all      
conta91 9 a =m prescrib$ by ! ,secret>y1
 an atte/ation by an (ficial t ! ,/ate  
has tak5 ! /eps necess>y to ensure !    
v]acity ( ! c]tification requir$ "u     
p>agraph 7#a77;,a71 includ+1 z necess>y1
 by-- 7,a7 am5d+ ! def9ition (          
manufactur$ home 9 ! laws & regulation (
 ! ,/ate2 &  7,b7 direct+ ,/ate ag5cies 
to am5d ! def9ition ( manufactur$ home 9
 regulations4  7#c7 ,annual             

rec]tification ,n lat] ?an a date to be 
det]m9$ by ! ,secret>y ea* ye>1 ! ,/ate 
%all submit to ! ,secret>y an additional
 c]tification t-- 7,a7 confirms !       
accuracy ( initial c]tification submitt$
 "u p>agraph 7#a77;,a72 &  7,b7 c]tifies
 t any new laws or regulations enact$ or
 adopt$ by ! ,/ate s9ce ! date ( !      
previ\s c]tification does n *ange !     
v]acity ( ! initial c]tification        
submitt$ "u p>agraph 7#a77;,a74  7#d7   
,li/ ,! ,secret>y %all publi% & ma9ta9 9
 ! ,f$]al ,regi/] & on ! website ( !    
,dep>tm5t ( ,h\s+ & ,urban ,developm5t a
 li/ ( ,/ates t are up-to-date ) !      
submission ( initial & subsequ5t        
c]tifications requir$ "u ?is subsection4
  7#e7 ,prohibition  7,a7 ,def9ition ,9 
?is p>agraph ! t]m cov]$ manufactur$    
home means a home t is-- 7i7 n consid]$ 
a manufactur$ home "u ! laws &          
regulations ( a ,/ate because ! home is 
con/ruct$ )\t a p]man5t *assis2  7ii7   
consid]$ a manufactur$ home "u !        
def9ition ( ! t]m 9 section #fjc2 &     

7iii7 con/ruct$ aft] ! date ( enactm5t (
 ! ,r5ew+ ,opportunity 9 ! ,am]ican     
,dream to ,h\s+ ,act4  7,b7 ,build+1    
in/allation1 & sale  7i7 ,9 g5]al ,if a 
,/ate does n submit a c]tification "u   
p>agraph 7#a77;,a7 or 7#c7 by ! date on 
:i* ^? c]tifications are requir$ to be  
submitt$-- 7,i7 ) respect to a ,/ate 9  
:i* ! ,/ate adm9i/]s ! in/allation (    
manufactur$ homes1 ! ,/ate %all prohibit
 ! manufacture1 in/allation1 or sale ( a
 cov]$ manufactur$ home )9 ! ,/ate2 &   
7,,ii7 ) respect to a ,/ate 9 :i* !     
,secret>y adm9i/]s ! in/allation (      
manufactur$ homes1 ! ,/ate & ! ,secret>y
 %all prohibit ! manufacture1           
in/allation1 or sale ( a cov]$          
manufactur$ home )9 ! ,/ate4  4  7c7    
,o!r ,f$]al laws regulat+ manufactur$   
homes ,! ,secret>y ( ,h\s+ & ,urban     
,developm5t %all coord9ate ) ! heads (  
o!r ,f$]al ag5cies to ensure t ,f$]al   
ag5cies treat a manufactur$ home 7z     
def9$ 9 ,f$]al laws & regulations o!r   
?an section #fjc ( ! ,national          

,manufactur$ ,h\s+ ,con/ruction &       
,safety ,/&>ds ,act ( #aigd 7#db        
,u4,s4,c4 #edjb77 9 ! same mann] z a    
manufactur$ home 7z def9$ 9 section     
,national ,manufactur$ ,h\s+            
,con/ruction & ,safety ,/&>ds ,act (    
#aigd 7#db ,u4,s4,c4 #edjb71 z am5d$ by 
?is ,act74  7d7 ,assi/ance to ,/ates    
,section #fji ( ! ,national ,manufactur$
 ,h\s+ ,con/ruction & ,safety ,/&>ds    
,act ( #aigd 7#db ,u4,s4,c4 #edjh7 is   
am5d$-- 7#a7 9 p>agraph 7#a71 by /rik+ &
 at ! end2  7#b7 9 p>agraph 7#b71 by    
/rik+ ! p]iod at ! end & ins]t+ 2 &2 &  
7#c7 by add+ at ! end ! foll[+3  7#c7   
model guidance to support ! submission (
 ! c]tification requir$ "u section      
#fjd7;i74  4  ,,iv ,s]v+ ! mo/ vuln]able
  #dja4 ,inc5tiviz+ local solutions to  
homelessness  7a7 ,cont9uum ( c>e       
program ,section #dbh ( !               
,mc,kinney-,v5to ,homeless ,assi/ance   
,act 7#db ,u4,s4,c4 #aachf;b7 is am5d$  
by add+ at ! end ! foll[+3  7f7         
,inc5tives = r$uc+ homelessness  7#a7 ,9

 g5]al ,f ! am\nts made available to    
c>ry out ?is subtitle = a fiscal ye>1 ! 
,secret>y may use n m ?an #aj p]c5t ( ! 
am\nts made available to c>ry out ?is   
subtitle = inc5tives describ$ 9 p>agraph
 7#b74  7#b7 ,inc5tives ,! ,secret>y may
 provide bonuses or o!r inc5tives to a  
geographic area "u ?is subtitle if1 dur+
 a fiscal ye>1 ! ,secret>y det]m9es t an
 entity receiv+ funds "u ?is subtitle   
has demon/rably & measurably improv$    
h\s+ outcomes = homeless individuals 9 !
 geographic area4  4  7b7 ,em]g5cy      
solutions grants program ,section #dac (
 ! ,mc,kinney-,v5to ,homeless ,assi/ance
 ,act 7#db ,u4,s4,c4 #aacgb;a7 is am5d$ 
by add+ at ! end ! foll[+3  7c7         
,inc5tives = r$uc+ homelessness  7#a7 ,9
 g5]al ,f ! am\nts made available to    
c>ry out ?is subtitle = a fiscal ye>1 ! 
,secret>y may use n m ?an #aj p]c5t ( ! 
am\nts made available to c>ry out ?is   
subtitle = inc5tives describ$ 9 p>agraph
 7#b74  7#b7 ,inc5tives ,! ,secret>y may
 provide bonuses or o!r inc5tives to a  

geographic area "u ?is subtitle if1 dur+
 a fiscal ye>1 ! ,secret>y det]m9es t an
 entity receiv+ funds "u ?is subtitle   
has demon/rably & measurably improv$    
h\s+ outcomes = homeless individuals 9 !
 geographic area4  4  ,v ,promot+       
opportunity  #eja4 ,increas+ h\s+ 9     
opportunity zones  7a7 ,cov]$ grant     
def9$ ,9 ?is section1 ! t]m cov]$ grant 
means-- 7#a7 a ,*oice ,neighborhoods    
,program grant2  7#b7 a grant "u section
 #aa ( ! ,h\s+ ,opportunity ,program    
,ext5sion ,act ( #aiif 7#db ,u4,s4,c4   
#abhje note72 &  7#c7 any o!r           
competitive grant relat+ to !           
con/ruction1 modification1              
rehabilitation1 or pres]vation ( h\s+1 z
 det]m9$ by ! ,secret>y ( ,h\s+ & ,urban
 ,developm5t4  7b7 ,priority ,!         
,secret>y ( ,h\s+ & ,urban ,developm5t  
%all prioritize ! aw>d ( cov]$ grants to
 recipi5ts locat$ 91 or t prim>ily s]ve1
 a community t has be5 designat$ z a    
qualifi$ opportunity zone "u section    
#adjj,z-#a ( ! ,int]nal ,rev5ue ,code ( 

#aihf4  ,,vi ,good gov]nance  #fja4     
,requir+ annual te/imony & ov]sight f   
h\s+ regulators  7a7 ,,hud programs ,!  
,dep>tm5t ( ,h\s+ & ,urban ,developm5t  
,act 7#db ,u4,s4,c4 #ceca et seq47 is   
am5d$ by add+ at ! end ! foll[+3  #ae4  
,annual te/imony  ,! ,secret>y %all1 on 
an annual basis1 te/ify be=e !          
,committee on ,bank+1 ,h\s+1 & ,urban   
,affairs ( ! ,s5ate & ! ,committee on   
,f9ancial ,s]vices ( ! ,h\se (          
,repres5tatives on ! /atus ( all        
programs c>ri$ out by ! ,dep>tm5t1 :e!r 
au?oriz$ or unau?oriz$4  4  7b7         
,gov]nm5t gu>ante$ or insur$ mortgages  
,on an annual basis1 ! foll[+           
individuals %all te/ify be=e !          
appropriate committees ( ,congress )    
respect to mortgage loans made1         
gu>ante$1 or insur$ by ! ,f$]al         
,gov]nm5t3 7#a7 ,! ,presid5t ( !        
,gov]nm5t ,national ,mortgage           
,association4  7#b7 ,! ,f$]al ,h\s+     
,commission]4  7#c7 ,! ,adm9i/rator ( ! 
,rural ,h\s+ ,s]vice4  7#d7 ,!          

,executive ,director ( ! ,loan ,gu>anty 
,s]vice ( ! ,dep>tm5t ( ,vet]ans        
,affairs4  7c7 ,mortgagee ,review ,bo>d 
,section #bjb7;c77#h7 ( ! ,national     
,h\s+ ,act 7#ab ,u4,s4,c4 #agjh7;c77#h77
 is am5d$-- 7#a7 by /rik+ 1 9           
consultation ) ! ,f$]al ,h\s+           
,adm9i/ration ,advisory ,bo>d12 &  7#b7 
by ins]t+ & to ,congress aft] !         
,secret>y4  #fjb4 ,,fha report+         
requirem5ts on safety & s\ndness  7a7   
,mon?ly report+ on ,mutual ,mortgage    
,insurance ,fund capital ratio ,section 
#bjb7;a7 ( ! ,national ,h\s+ ,act 7#ab  
,u4,s4,c4 #agjh7;a77 is am5d$ by add+ at
 ! end ! foll[+3  7#h7 ,o!r requir$     
report+ ,! ,secret>y %all-- 7,a7 submit 
to ,congress mon?ly reports on ! capital
 ratio requir$ "u section #bje7;f77#b72 
&  7,b7 notify ,congress z soon z       
practicable aft] ! ,fund falls bel[ !   
capital ratio requir$ "u section        
#bje7;f77#b74  4  7b7 ,annual indep5d5t 
actu>ial /udy ,section #bjb7;a77#d7 ( ! 
,national ,h\s+ ,act 7#ab ,u4,s4,c4     

#agjh7;a77#d77 is am5d$-- 7#a7 by /rik+ 
,! ,secret>y & ins]t+ ! foll[+3  7,a7   
,def9ition ,9 ?is p>agraph1 ! t]m       
fir/-"t homebuy] means a borr[] = :om no
 consum] report 7z def9$ 9 section #fjc 
( ! ,fair ,cr$it ,report+ ,act 7#ae     
,u4,s4,c4 #afha;a77 indicates t ! borr[]
 has or _h a loan ) a consum] purpose t 
is secur$ by a #a- to #d-unit resid5tial
 real prop]ty4  7,b7 ,/udy & report ,!  
,secret>y  2 &  7#b7 9 subp>agraph 7,b71
 z s designat$1 by /rik+ also & ins]t+  
detail h[ _m loans 7 orig9at$ 9 ea*     
c5sus tract to fir/-"t homebuy]s1 z well
 z4  7c7 ,annual report ,section        
#bjc7w77#b7 ( ! ,national ,h\s+ ,act    
7#ab ,u4,s4,c4 #agji7w777#b7 is am5d$ by
 ins]t+ & fir/-"t homebuy]s 7z def9$ 9  
section #bjb7;a77#d77;,a77 aft] m9ority 
borr[]s4  7d7 ,,gao /udy on su/a9able   
home[n]%ip ,n lat] ?an #ahj days aft] ! 
date ( enactm5t ( ?is ,act1 !           
,comptroll] ,g5]al ( ! ,unit$ ,/ates    
%all conduct a /udy & submit to         
,congress a report on-- 7#a7 ! value = !

 ,f$]al ,h\s+ ,adm9i/ration ( def9+ :at 
is su/a9able home[n]%ip 9 way t consid]s
 borr[] default1 ref9anc+ to a          
non-insur$ mortgage product1 pay+ (f a  
mortgage loan & transition+ back to     
r5t+1 & o!r factors t demon/rate :e!r   
insurance provid$ "u title ,,ii ( !     
,national ,h\s+ ,act 7#ab ,u4,s4,c4     
#agjg et seq47 has successfully s]v$ a  
borr[]1 includ+ = fir/-"t homebuy]s 7z  
def9$ 9 section #bjb7;a77#d77;,a7 ( !   
,national ,h\s+ ,act1 z add$ by         
subsection 7b77#a772 &  7#b7 !          
feasibility ( ! ,f$]al ,h\s+            
,adm9i/ration develop+ a scorec>d us+ ! 
metrics describ$ 9 p>agraph 7#a7 to     
measure borr[] p]=mance & report+ !     
scorec>d data to ,congress4  #fjc4      
,unit$ ,/ates ,int]ag5cy ,c\ncil on     
,homelessness ,section #bjc7;a7 ( !     
,mc,kinney-,v5to ,homeless ,assi/ance   
,act 7#db ,u4,s4,c4 #aacac7;a77 is      
am5d$-- 7#a7 9 p>agraph 7#a7-- 7,a7 by  
/rik+ ,homeless ,em]g5cy ,assi/ance &   
,rapid ,transition to ,h\s+ ,act ( #bjji

 & ins]t+ ,r5ew+ ,opportunity 9 !       
,am]ican ,dream to ,h\s+ ,act2 &  7,b7  
by /rik+ update su* plan annually &     
ins]t+ ! foll[+3 submit to ! ,presid5t &
 ,congress a report e ye> !reaft] t     
includes-- 7,a7 ! /atus ( completion ( !
 plan2  7,b7 any modifications t 7 made 
to ! plan & ! reasons = ^?              
modifications2 &  7,c7 an e/imate ( :5  
homelessness w be end$2  2  7#b7 by     
r$esignat+ p>agraphs 7#aj7 ?r\gh 7#ac7 z
 p>agraphs 7#aa7 ?r\gh 7#ad71           
respectively2  7#c7 by r$esignat+ !     
second p>agraph 7#i7 7relat+ to collect+
 & dissem9at+ in=mation7 z p>agraph     
7#aj72  7#d7 9 p>agraph 7#ac71 z s      
r$esignat$1 by /rik+ & at ! end2  7#e7 9
 p>agraph 7#ad71 z s r$esignat$1 by     
/rik+ ! p]iod at ! end & ins]t+ 2 &2 &  
7#f7 by add+ at ! end ! foll[+3  7#ae7  
te/ify annually be=e ,congress4  4      
#fjd4 ,neighborhood ,re9ve/m5t          
,corporation ov]sight  7a7 ,inspector   
,g5]al ,! ,neighborhood ,re9ve/m5t      
,corporation ,act 7#db ,u4,s4,c4 #haja  

et seq47 is am5d$ by add+ at ! end !    
foll[+3  #fji4 ,ov]sight by ! ,inspector
 ,g5]al ( ! ,dep>tm5t ( ,h\s+ & ,urban  
,developm5t ,! ,inspector ,g5]al ( !    
,dep>tm5t ( ,h\s+ & ,urban ,developm5t  
%all h all ( ! au?orities &             
responsibilities provid$ "u *apt] #d (  
title #e1 ,unit$ ,/ates ,code1 ) respect
 to ! corporation1 z if ! corporation 7 
"p ( ! ,dep>tm5t ( ,h\s+ & ,urban       
,developm5t4  4  7b7 ,:i/lebl[]         
protections ,section #iaja7c7 ( title   
#ca1 ,unit$ ,/ates ,code1 is am5d$ by   
add+ at ! end ! foll[+3  7,q7 !         
,neighborhood ,re9ve/m5t ,corporation4  
4