,i  #aai? ,,congress  #a/ ,session  ,h4 
,r4 #efea  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,septemb] #cj1        
#bjbe,mr4 ,neguse introduc$ ! foll[+    
bill2 :i* 0 ref]r$ to ! ,committee on   
,f9ancial ,s]vices  ,a ,,bill  ,to      
e/abli% a waiv] program to all[ = ,,zip 
,code localization area m$ian income    
calculations1 & = o!r purposes4  #a4    
,%ort title ,?is ,act may be cit$ z !   
,af=dability & ,fairness = ,m\nta9      
,communities ,act ( #bjbe4  #b4 ,waiv]  
program = ,,zip ,code localization (    
area m$ian income calculations  7a7 ,9  
g5]al ,n lat] ?an #ij days aft] ! date (
 enactm5t ( ?is ,act1 ! ,secret>y (     
,h\s+ & ,urban ,developm5t %all e/abli% 
a waiv] program to be kn[n z ! ,area    
,m$ian ,income ,localization ,waiv] 79  
?is ,act ref]r$ to z ! waiv] program74  
7b7 ,! ,waiv] ,program ,! waiv] program 
e/abli%$ by ! ,secret>y pursuant to     
subsection 7a7 %all all[ a c\nty        
gov]nm5t1 or correspond+ functional unit
 ( gov]nm5t1 to calculate area m$ian    

income = cov]$ programs us+-- 7#a7 a    
,,zip ,code z ! area = calculation2 &   
7#b7 a gr\p ( c\nties t ea* %>e a bord] 
) su* c\nty z ! area = calculation4  7c7
 ,application ,a c\nty gov]nm5t1 or a   
correspond+ functional unit ( gov]nm5t1 
may apply to p>ticipate 9 ! waiv]       
program by submitt+ an application to ! 
,secret>y at su* "t & 9 su* mann] z !   
,secret>y may reasonably require4  7d7  
,selection ,! ,secret>y %all grant a    
waiv] to ea* c\nty gov]nm5t1 or         
correspond+ functional unit ( gov]nm5t1 
t submits an application pursuant to    
subsection 7c74  7e7 ,use ( ,waiv] ,a   
c\nty gov]nm5t1 or correspond+          
functional unit ( gov]nm5t1 t receives a
 waiv] "u subsection 7d7 may1 ) respect 
to a cov]$ program1 calculate area m$ian
 income us+-- 7#a7 a ,,zip ,code z !    
area = calculation2  7#b7 a gr\p (      
c\nties t ea* %>e a bord] ) su* c\nty z 
! area = calculation2 or  7#c7 ! orig9al
 means = calculation provid$ by law = ! 
program4  7f7 ,cov]$ program def9$ ,9   

?is section1 ! t]m cov]$ program means !
 foll[+ programs adm9i/]$ by ! ,secret>y
 ( ,h\s+ & ,urban ,developm5t or !      
,secret>y ( ,agriculture3 7#a7 ,! public
 h\s+ program "u ! ,unit$ ,/ates ,h\s+  
,act ( #aicg 7#db ,u4,s4,c4 #adcg et    
seq474  7#b7 ,! program = r5tal         
assi/ance "u section #h ( ! ,unit$      
,/ates ,h\s+ ,act ( #aicg 7#db ,u4,s4,c4
 #adcg;f74  7#c7 ,! ,,home ,inve/m5t    
,p>tn]%ips program "u title ,,ii ( !    
,cranton-,gonzalez ,national ,af=dable  
,h\s+ ,act 7#db ,u4,s4,c4 #abgba et     
seq474  7#d7 ,! programs "u ,title ,,iv 
( ! ,mc,kinney-,v5to ,homeless          
,assi/ance ,act 7#db ,u4,s4,c4 #aacfj et
 seq474  7#e7 ,! ,h\s+ ,tru/ ,fund      
program "u section #acch ( ! ,h\s+ &    
,community ,developm5t ,act ( #aiib 7#ab
 ,u4,s4,c4 #defh74  7#f7 ,! program =   
supportive h\s+ = ! eld]ly "u section   
#bjb ( ! ,h\s+ ,act ( #aiei 7#ab        
,u4,s4,c4 #agjaq74  7#g7 ,! program =   
supportive h\s+ = p]sons ) disabilities 
"u section #haa ( ! ,cran/on-,gonzalez  

,national ,af=dable ,h\s+ ,act 7#db     
,u4,s4,c4 #hjac74  7#h7 ,! ,,aids ,h\s+ 
,opportunities program "u subtitle ,d ( 
title ,,viii ( ! ,cran/on-,gonzalez     
,national ,af=dable ,h\s+ ,act 7#db     
,u4,s4,c4 #abija et seq474  7#i7 ,!     
program = ,native ,am]ican h\s+ "u !    
,native ,am]ican ,h\s+ ,assi/ance &     
,self-,det]m9ation ,act ( #aiif 7#be    
,u4,s4,c4 #daja et seq474  7#aj7 ,!     
program = h\s+ assi/ance = ,native      
,hawaiians "u title ,,viii ( ! ,native  
,am]ican ,h\s+ ,assi/ance &             
,self-,det]m9ation ,act ( #aiif 7#be    
,u4,s4,c4 #dbba et seq474  7#aa7 ,!     
programs = assi/ance = rural r5tal h\s+ 
"u title ,v ( ! ,h\s+ ,act ( #aidi 7#db 
,u4,s4,c4 #adga et seq474  #c4          
,assessm5t reg>d+ optimiz+ use ( area   
m$ian income to support af=dable h\s+ 9 
m\nta9 communities  7a7 ,9 g5]al ,!     
,secret>y %all conduct a /udy design$   
to-- 7#a7 id5tify-- 7,a7 alt]native     
me?ods = calculat+ area m$ian income2 & 
7,b7 alt]native metrics t w\ld make h\s+

 m af=dable = l[-income families resid+ 
9 m\nta9 communities2 &  7#b7 evaluate  
h[ factor+ roommates into area m$ian    
income calculations = seasonal work]s   
w\ld impact h\s+ assi/ance4  7b7 ,report
  7#a7 ,9 g5]al ,! ,secret>y ( ,h\s+ &  
,urban ,developm5t %all1 n lat] ?an #b  
ye>s aft] ! date ( ! enactm5t ( ?is     
,act1 submit to ! ,committee on         
,f9ancial ,s]vices ( ! ,h\se (          
,repres5tatives & ! ,committee on       
,bank+1 ,h\s+1 & ,urban ,affairs ( !    
,s5ate1 & make publicly available1 a    
report t describes ! f9d+s ( ! /udy     
conduct$ pursuant to subsection 7a74    
7#b7 ,report cont5ts ,! report submitt$ 
pursuant to subp>agraph 7#a7 %all       
include-- 7,a7 a summ>y ( all           
significant f9d+s2  7,b7 recomm5dations 
f\nd 9 any prior reports ab\t ! use (   
area m$ian income2  7,c7 an assessm5t ( 
! ext5t & impacts ( ! af=dable h\s+     
crisis 9 m\nta9 communities nationwide1 
p>ticul>ly )9 jurisdictions = :i* !     
,secret>y has appli$ a high h\s+ co/    

adju/m5t1 includ+ a comp>ison ( r5t     
burd5s = v l[-income h\seholds &        
seasonal work]s 9 jurisdictions ) & )\t 
high h\s+ co/ adju/m5ts2  7,d7 an       
assessm5t ( ! effects t high h\s+ co/   
adju/m5ts h _h on income limits & r5t   
prices 9 m\nta9 communities = :i* !     
,secret>y has appli$ su* an adju/m5t1   
includ+ any effects on maximum r5ts     
all[$ "u sections #db & #adb ( !        
,int]nal ,rev5ue ,code ( #aihf =        
tax-subsidiz$ units2  7,e7              
recomm5dations = re=m+ or elim9at+ ! use
 ( area m$ian income = ! purposes ( mak+
 h\s+ m af=dable = l[-income & seasonal 
work]s 9 m\nta9 communities2 &  7,f7    
recomm5dations = us+ exi/+ au?orities ( 
! ,secret>y to make h\s+ m af=dable =   
l[-income & seasonal work]s 9 m\nta9    
communities1 p>ticul>ly 9 areas = :i* ! 
,secret>y has appli$ a high h\s+ co/    
adju/m5t4  #d4 ,def9itions ,9 ?is ,act3 
7#a7 ,area m$ian income ,! t]m area     
m$ian income means m$ian income = an    
area1 z su* t]m is us$ 9 section #c7;b7 

( ! ,unit$ ,/ates ,h\s+ ,act ( #aicg    
7#db ,u4,s4,c4 #adcg;a7b771 m$ian family
 income1 & any o!r sub/antively simil>  
metric t ! ,secret>y uses to ref] to !  
m$ian income level = a giv5 area or     
jurisdiction = purposes ( any program   
adm9i/]$ by ! ,secret>y4  7#b7 ,high    
h\s+ co/ adju/m5t ,! t]m high h\s+ co/  
adju/m5t is an adju/m5t = high h\s+     
co/s1 high con/ruction co/s1 or high    
co/s ( liv+1 or any sub/antively simil> 
adju/m5t t ! ,secret>y may use to       
increase income limits = areas :]e ! co/
 ( h\s+ is abnormally high comp>$ to !  
m$ian income = su* area4  7#c7 ,secret>y
 ,! t]m ,secret>y means ! ,secret>y (   
,h\s+ & ,urban ,developm5t4  7#d7       
,m\nta9 communities ,! t]m m\nta9       
communities means any rural area1 z     
def9$ 9 section #adij ( title #db1      
,unit$ ,/ates ,code1 locat$ 9 ! ,m\nta9 
,division )9 ! ,c5sus ,bureau's ,we/]n  
,region4