,i  #aai? ,,congress  #a/ ,session  ,h4 
,r4 #echg  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,septemb] #af1        
#bjbe,mr4 ,al=d 7= himself1 ,mr4        
,correa1 ,mr4 ,mann1 ,ms4 ,pett]s51 ,mr4
 ,lawl]1 ,mr4 ,riley ( ,new ,york1 ,mr4 
,calv]t1 ,mr4 ,wittman1 ,mr4 ,%]man1    
,mrs4 ,h\*91 ,ms4 ,craig1 ,ms4          
,mc,bride1 ,mr4 ,subramanyam1 ,mr4      
,res*5?al]1 & ,mr4 ,g>cia ( ,cali=nia7  
introduc$ ! foll[+ bill2 :i* 0 ref]r$ to
 ! ,committee on ,f9ancial ,s]vices1 & 9
 addition to ! ,committee on ,vet]ans'  
,affairs1 = 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 require c]ta9 cov]$ ag5cy  
heads to ent] an memor&um ( und]/&+ &   
submit a report ) respect to c]ta9 h\s+ 
policy issues1 & = o!r purposes4  #a4   
,%ort title ,?is ,act may be cit$ z !   
,sav+ ! ,am]ican ,dream ,act4  #b4      
,memor&um ( und]/&+ ,! ,secret>y ( ,h\s+
 & ,urban ,developm5t1 ! ,secret>y (    

,agriculture1 ! ,secret>y ( ,vet]ans    
,affairs1 ! ,secret>y ( ! ,treasury1 & !
 ,director ( ! ,f$]al ,h\s+ ,f9ance     
,ag5cy %all1 n lat] ?an #a ye> aft] !   
date ( ! enactm5t ( ?is section1 e/abli%
 a memor&um ( und]/&+1 or o!r           
appropriate int]ag5cy agreem5t1 to %>e &
 coord9ate relevant h\s+-relat$ rese>* &
 m>ket data t facilities evid5ce-bas$   
policymak+4  #c4 ,int]ag5cy report  7a7 
,report ,n lat] ?an #a ye> aft] ! date (
 enactm5t ( ?is ,act1 ! cov]$ ag5cy     
heads %all jo9tly submit a report to !  
appropriate committees t outl9es policy 
proposals f ! cov]$ ag5cy heads to      
address ea* ( ! foll[+3 7#a7 ,f$]al h\s+
 f9ance programs & coord9ation4  7#b7   
,opportunities to l[] mortgage          
orig9ation & s]vic+ co/s by align+      
program und]writ+ & s]vic+ /&>ds to !   
greate/ ext5t possible4  7#c7 ,h\s+     
con/ruction co/s1 production b>ri]s1 &  
developm5t inc5tives4  7#d7 ,local      
regulatory b>ri]s to h\s+ production4   
7#e7 ,insurance co/s & availability     

affect+ h\s+ m>kets4  7#f7 ,d[n paym5t  
assi/ance & h\s+ transaction inc5tives4 
7#g7 ,disa/] resili5ce & h\s+ recov]y   
coord9ation4  7b7 ,def9itions ,9 ?is    
section3 7#a7 ,appropriate committees ,!
 t]m appropriate committees means-- 7,a7
 ! ,committee on ,bank+1 ,h\s+1 & ,urban
 ,affairs ( ! ,s5ate2  7,b7 ! ,committee
 on ,vet]ans' ,affairs ( ! ,s5ate2  7,c7
 ! ,committee on ,f9ance ( ! ,s5ate2    
7,d7 ! ,committee on ,f9ancial ,s]vices 
( ! ,h\se ( ,repres5tatives2  7,e7 !    
,committee on ,way & ,means ( ! ,h\se ( 
,repres5tatives2 &  7,f7 ! ,committee on
 ,vet]ans' ,affairs ( ! ,h\se (         
,repres5tatives4  7#b7 ,cov]$ ag5cy head
 ,! t]m cov]$ ag5cy head means !        
,secret>y ( ,h\s+ & ,urban ,developm5t1 
! ,secret>y ( ,agriculture1 ! ,secret>y 
( ,vet]ans ,affairs1 ! ,secret>y ( !    
,treasury1 & ! ,director ( ! ,f$]al     
,h\s+ ,f9ance ,ag5cy4