,,ii  #aah? ,,congress  #a/ ,session    
,s4 #aida  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,june #ac1 #bjbc,ms4   
,smi? 7= h]self & ,mr4 ,r\nds7 introduc$
 ! foll[+ bill2 :i* 0 read twice &      
ref]r$ to ! ,committee on ,bank+1 ,h\s+1
 & ,urban ,affairs  ,a ,,bill  ,to      
p]man5tly au?orize ! ,native ,community 
,developm5t ,f9ancial ,in/itutions l5d+ 
program ( ! ,dep>tm5t ( ,agriculture1 & 
= o!r purposes4  #a4 ,%ort title ,?is   
,act may be cit$ z ! ,native ,am]ican   
,rural ,home[n]%ip ,improvem5t ,act (   
#bjbc4  #b4 ,native ,,cdfi rel5d+       
program ,section #ejb ( ! ,h\s+ ,act (  
#aidi 7#db ,u4,s4,c4 #adgb7 is am5d$ by 
add+ at ! end ! foll[+3  7j7 ,set aside 
= native community developm5t f9ancial  
in/itutions  7#a7 ,def9itions ,9 ?is    
subsection-- 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 appropriate     
congressional committees means-- 7i7 !  

,committee on ,agriculture ( ! ,s5ate2  
7ii7 ! ,committee on ,indian ,affairs ( 
! ,s5ate2  7iii7 ! ,committee on ,bank+1
 ,h\s+1 & ,urban ,affairs ( ! ,s5ate2   
7iv7 ! ,committee on ,agriculture ( !   
,h\se ( ,repres5tatives2  7v7 !         
,committee on ,natural ,res\rces ( !    
,h\se ( ,repres5tatives2 &  7vi7 !      
,committee on ,f9ancial ,s]vices ( !    
,h\se ( ,repres5tatives2  7,c7 ! 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,d7 ! 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,e7 ! t]m ,native community developm5t 
f9ancial in/itution means an entity--   
7i7 t has be5 c]tifi$ z a community     
developm5t f9ancial in/itution by !     
,secret>y ( ! ,treasury2  7ii7 t is n   
less ?an #ej p]c5t own$ or controll$ by 

memb]s ( ,indian ,tribes1 ,alaska       
,native communities1 or ,native         
,hawaiian communities2 &  7iii7 = :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 priority ,tribal l& means--  
7i7 any l& locat$ )9 ! b\nd>ies (-- 7,i7
 an ,indian res]vation1 pueblo1 or      
ran*]ia2 or  7,,ii7 a =m] res]vation )9 
,oklahoma2  7ii7 any l& n locat$ )9 !   
b\nd>ies ( an ,indian res]vation1       
pueblo1 or ran*]ia1 ! title to :i* is   
held-- 7,i7 9 tru/ by ! ,unit$ ,/ates = 
! b5efit ( an ,indian ,tribe or an      
individual ,indian2  7,,ii7 by an       
,indian ,tribe or an individual ,indian1
 subject to re/riction aga9/ ali5ation  
"u laws ( ! ,unit$ ,/ates2 or  7,,iii7  
by a dep5d5t ,indian community2  7iii7  

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  7iv7 ,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  7v7 ^? 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 ,indians4  7#b7 ,purpose  
,! purpose ( ?is subsection is to-- 7,a7
 increase home[n]%ip opportunities =    
,indian ,tribes1 ,alaska ,native        
,communities1 & ,native ,hawaiian       
communities 9 rural areas2 &  7,b7      
provide capital to ,native community    
developm5t f9ancial in/itutions to      
increase ! numb] ( mortgage transactions
 c>ri$ out by ^? in/itutions4  7#c7 ,set
 aside = ,native ,c,d,f,is ,( am\nts    

appropriat$ to make direct loans "u ?is 
section = ea* fiscal ye>1 ! ,secret>y   
%all use #ej1jjj1jjj to make direct     
loans to ,native community developm5t   
f9ancial in/itutions 9 accordance ) ?is 
subsection4  7#d7 ,application          
requirem5ts ,a ,native community        
developm5t f9ancial in/itution desir+ a 
loan "u ?is subsection %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  7#e7 
,l5d+ requirem5ts ,a ,native community  
developm5t f9ancial in/itution t        
receives a loan pursuant to ?is         
subsection %all-- 7,a7 use ^? am\nts to 
make loans to borr[]s-- 7i7 :o o!rwise  
meet ! requirem5ts = a loan "u ?is      
section2 &  7ii7 :o-- 7,i7 are memb]s ( 
an ,indian ,tribe1 an ,alaska ,native   
community1 or a ,native ,hawaiian       
community2 or  7,,ii7 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      
subp>agraph 7,a71 give priority to      
borr[]s describ$ 9 t subp>agraph :o are 
resid+ on priority ,tribal l&4  7#f7    
,non-,f$]al co/ %>e  7,a7 ,9 g5]al ,a   
,native community developm5t f9ancial   
in/itution t receives a loan "u ?is     
section %all be requir$ 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 p>agraph 7#e77;,b71 !        
,secret>y %all waive ! non-,f$]al co/   
%>e requirem5t describ$ 9 subp>agraph   
7,a7 ) respect to ^? loan am\nts4  7#g7 
,report+  7,a7 ,annual report by ,native
 ,c,d,f,is ,ea* ,native community       
developm5t f9ancial in/itution t        
receives a loan pursuant to ?is         
subsection %all submit an annual report 
to ! ,secret>y on ! l5d+ activities ( ! 
in/itution us+ ! loan am\nts1 :i* %all  
include-- 7i7 a description ( ! outrea* 
ef=ts ( ! in/itution 9 local communities

 to id5tify eligible borr[]s2  7ii7 a   
description ( h[ ! in/itution lev]ag$   
additional capital to rea* prospective  
borr[]s2  7iii7 ! numb] ( loan          
applications receiv$1 approv$1 &        
deploy$2  7iv7 ! av]age loan am\nt2  7v7
 ! numb] ( f9aliz$ loans t 7 made on    
,tribal tru/ l&s & n on ,tribal tru/    
l&s2 &  7vi7 ! numb] ( f9aliz$ loans t 7
 made on priority ,tribal l& & n        
priority ,tribal l&4  7,b7 ,annual      
report to ,congress ,n lat] ?an #a ye>  
aft] ! date ( enactm5t ( ?is subsection1
 & e ye> !reaft]1 ! ,secret>y %all      
submit to ! appropriate congressional   
communities a report t includes-- 7i7 a 
li/ ( loans made to ,native community   
developm5t f9ancial in/itutions pursuant
 to ?is subsection1 includ+ ! "n ( !    
in/itution & ! loan am\nt2  7ii7 !      
p]c5tage ( loans made "u ?is section to 
memb]s ( ,indian ,tribes1 ,alaska       
,native communities1 & ,native ,hawaiian
 communities1 respectively1 includ+ a   
breakd[n ( loans made to h\seholds      

resid+ on & n on ,tribal tru/ l&s2 &    
7iii7 ! av]age loan am\nt made by       
,native community developm5t f9ancial   
in/itutions pursuant to ?is subsection4 
7,c7 ,evaluation ( program ,n lat] ?an  
#c ye>s aft] ! date ( enactm5t ( ?is    
subsection1 ! ,secret>y & ! ,secret>y ( 
! ,treasury %all conduct an evaluation (
 & submit to ! appropriate congressional
 committees a report on ! program "u ?is
 subsection1 :i* %all-- 7i7 evaluate !  
effectiv5ess ( ! program1 includ+ an    
evaluation ( ! dem& = loans "u !        
program2 &  7ii7 include recomm5dations 
relat+ to ! program1 includ+ :e!r-- 7,i7
 ! program %\ld be exp&$ to su* t all   
community developm5t f9ancial           
in/itutions may make loans "u ! program 
to ! borr[]s describ$ 9 p>agraph 7#e72 &
  7,,ii7 ! set aside am\nt p>agraph 7#c7
 %\ld be modifi$ 9 ord] to mat* dem& "u 
! program4  7#h7 ,grants = op]ational   
support  7,a7 ,9 g5]al ,! ,secret>y %all
 make grants to ,native community       
developm5t f9ancial in/itutions t       

receive a loan "u ?is section to provide
 op]ational support & o!r relat$ s]vices
 to ^? in/itutions1 subject to-- 7i7 to 
! satisfactory p]=mance1 z det]m9$ by ! 
,secret>y1 ( a ,native community        
developm5t f9ancial in/itution 9 c>ry+  
out ?is section2 &  7ii7 ! availability 
( fund+4  7,b7 ,am\nt ,a ,native        
community developm5t f9ancial in/itution
 t receives a loan "u ?is section %all  
be eligible to receive an annual grant  
describ$ 9 subp>agraph 7,a7 9 an am\nt  
equal to n less ?an #bj p]c5t & n m ?an 
#be p]c5t ( ! total out/&+ balance (    
loans made by ! ,native community       
developm5t f9ancial in/itution "u !     
program "u ?is section z ( ! date on :i*
 ! grant is aw>d$4  7#i7 ,outrea* &     
te*nical assi/ance ,!re is au?oriz$ to  
be appropriat$ to ! ,secret>y #a1jjj1jjj
 = ea* ( fiscal ye>s #bjbd1 #bjbe1 &    
#bjbf-- 7,a7 to provide te*nical        
assi/ance to ,native community          
developm5t f9ancial in/itutions-- 7i7   
relat+ to home[n]%ip & o!r h\s+-relat$  

assi/ance provid$ by ! ,secret>y2 &     
7ii7 to assi/ ^? in/itutions to p]=m    
outrea* to eligible homebuy]s relat+ to 
! loan program "u ?is section2 or  7,b7 
to provide fund+ to a national          
organization repres5t+ ,native ,am]ican 
h\s+ int]e/s to p]=m outrea* & provide  
te*nical assi/ance z describ$ 9 clauses 
7i7 & 7ii71 respectively1 ( subp>agraph 
7,a74  4