,i #aai? ,,congress #a/ ,session ,h4 ,r4 #ffdd ,,9 ,,! ,,h\se ,,( ,,repres5tatives ,decemb] #aa1 #bjbe,mr4 ,hill ( ,arkansas 7= himself1 ,ms4 ,wat]s1 ,mr4 ,flood1 & ,mr4 ,cleav]7 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 ,a bill to increase ! supply ( h\s+ 9 ,am]ica1 & = o!r purposes4 #a4 ,%ort title2 table ( cont5ts 7a7 ,%ort title ,?is ,act may be cit$ z ! ,h\s+ = ! #ba/ ,c5tury ,act4 7b7 ,table ( cont5ts ,! table ( cont5ts = ?is ,act is z foll[s3 ,sec4 #a4 ,%ort title2 table ( cont5ts4,title ,i--,build+ ,sm>t] = ! #ba/ ,century,sec4 #aja4 ,h\s+ ,supply ,frameworks4,sec4 #ajb4 ,accel]at+ home build+ grant program4,sec4 #ajc4 ,f$]al guidel9es = po9t-access block build+s4,sec4 #ajd4 ,unlock+ ,h\s+ ,supply ,?r\gh ,/reaml9$ & ,mod]niz$ ,reviews4,sec4 #aje4 ,f$]al ,h\s+ ,ag5cy ,application ( ,environm5tal ,reviews4,sec4 #ajf4 ,multifamily loan limits4,sec4 #ajg4 ,,gao /udies4,title ,,ii--,mod]niz+ ,local ,developm5t & ,rural ,h\s+ ,programs,sec4 #bja4 ,,home ,re=m4,sec4 #bjb4 ,community ,developm5t ,fund ,am5dm5ts4,sec4 #bjc4 ,plann+ & implem5tation grants = af=dable h\s+4,sec4 #bjd4 ,rural h\s+ s]vice program improvem5ts4,sec4 #bje4 ,*oice 9 ,af=dable ,h\s+4,title ,,iii--,exp&+ ,manufactur$ & ,af=dable ,h\s+ ,f9ance ,opportunities,sec4 #cja4 ,manufactur$ ,h\s+ ,innovations4,sec4 #cjb4 ,,fha small-doll> mortgages /udy4,title ,,iv--,protect+ ,borr[]s & ,assi/$ ,families,sec4 #dja4 ,exclusion ( c]ta9 disability b5efits4,sec4 #djb4 ,milit>y s]vice "q4,sec4 #djc4 ,,hud-,,usda-,,va ,int]ag5cy ,coord9ation4,sec4 #djd4 ,family self-suffici5cy escr[ expansion pilot program4,sec4 #dje4 ,re=ms to h\s+ c\nsel+ & f9ancial lit]acy programs4,sec4 #djf4 ,e/abli%m5t ( eviction helpl9e4,sec4 #djg4 ,temp]ature ,s5sor ,pilot ,program4,sec4 #djh4 ,,gao /udies4,title ,v--,enhanc+ ,ov]sight ( ,h\s+ ,providers,sec4 #eja4 ,requirem5t to te/ify4,sec4 #ejb4 ,disclosure requir$4,sec4 #ejc4 ,inve/igation & report to ,congress4,sec4 #ejd4 ,f$]al monitor & receiv] te/imony4,sec4 #eje4 ,annual te/imony4 ,i ,build+ ,sm>t] = ! #ba/ ,c5tury #aja4 ,h\s+ ,supply ,frameworks 7a7 ,def9itions ,9 ?is section3 7#a7 ,af=dable h\s+ ,! t]m af=dable h\s+ means h\s+ = :i* ! mon?ly paym5t is n m ?an #cj p]c5t ( ! mon?ly income ( ! h\sehold4 7#b7 ,assi/ant ,secret>y ,! t]m ,assi/ant ,secret>y means ! ,assi/ant ,secret>y = ,policy ,developm5t & ,rese>* ( ! ,dep>tm5t ( ,h\s+ & ,urban ,developm5t4 7#c7 ,local zon+ framework ,! t]m local zon+ framework means ! local zon+ codes & o!r ord9ances1 proc$ures1 & policies gov]n+ zon+ & l&-use at ! local level4 7#d7 ,secret>y ,! t]m ,secret>y means ! ,secret>y ( ,h\s+ & ,urban ,developm5t4 7#e7 ,/ate zon+ framework ,! t]m ,/ate zon+ framework means ! ,/ate legislation or ,/ate ag5cy & dep>tm5t proc$ures1 or su* legislation or proc$ures 9 an insul> area ( ! ,unit$ ,/ates1 enabl+ local plann+ & zon+ au?orities & e/abli%+ & guid+ relat$ policies & programs4 7b7 ,,guidel9es ,,on ,,/ate ,,& ,,local ,,zon+ ,,frameworks 7#a7 ,9 g5]al ,n lat] ?an #c ye>s aft] ! date ( enactm5t ( ?is ,act1 ! ,assi/ant ,secret>y %all publi% docum5ts outl9+ guidel9es & be/ practices to support production ( adequate h\s+ to meet ! ne$s ( communities & provide h\s+ opportunities = individuals at e income level across communities ) respect to-- 7,a7 ,/ate zon+ frameworks2 & 7,b7 local zon+ frameworks4 7#b7 ,consultation2 public comm5t ,dur+ ! #b-ye> p]iod beg9n+ on ! date ( enactm5t ( ?is ,act1 9 develop+ ! guidel9es & be/ practices requir$ "u p>agraph 7#a71 ! ,assi/ant ,secret>y %all-- 7,a7 publi% draft guidel9es & be/ practices 9 ! ,f$]al ,regi/] = public comm5t2 & 7,b7 e/abli% a task =ce = ! purpose ( provid+ consultation to draft ! guidel9es & be/ practices publi%$ "u subp>agraph 7,a71 ! memb]s ( :i* %all include-- 7i7 urban plann]s & ar*itects2 7ii7 h\s+ develop]s1 includ+ af=dable & m>ket-rate h\s+ develop]s1 manufactur$ h\s+ develop]s1 & o!r bus9ess int]e/s2 7iii7 community engagem5t exp]ts & community memb]s impact$ by zon+ decisions2 7iv7 public h\s+ ag5cies & transit au?orities2 7v7 memb]s ( local zon+ & plann+ bo>ds & local & regional transportation plann+ organizations2 7vi7 ,/ate (ficials responsible = h\s+ or l& use1 includ+ memb]s ( ,/ate zon+ bo>ds ( appeals2 7vii7 academic rese>*]s2 & 7viii7 home build]s4 7#c7 ,cont5ts ,! guidel9es & be/ practices requir$ "u p>agraph 7#a7 %all-- 7,a7 ) respect to ,/ate zon+ frameworks1 outl9e pot5tial models = updat$ ,/ate enabl+ legislation or ,/ate ag5cy & dep>tm5t proc$ures2 7,b7 include recomm5dations reg>d+-- 7i7 ! r$uction or elim9ation ( p>k+ m9imums2 7ii7 ! increase 9 maximum floor area ratio requirem5ts & maximum build+ heights & ! r$uction 9 m9imum lot sizes & set-back requirem5ts2 7iii7 ! elim9ation ( re/rictions aga9/ accessory dwell+ units2 7iv7 increas+ by-"r uses1 includ+ duplex1 triplex1 or quadplex build+s1 across cities or metropolitan areas2 7v7 me*anisms1 includ+ proximity to transit1 to det]m9e ! appropriate scope = rezon+ & ensure developm5t t does n disproportionately burd5 resid5ts ( economically di/ress$ areas2 7vi7 provisions reg>d+ review ( by-"r developm5t proposals to /reaml9e review & r$uce unc]ta9ty1 includ+-- 7,i7 nondiscretion>y1 m9i/]ial review2 & 7,,ii7 entitlem5t & design review processes2 7vii7 ! r$uction ( ob/acles1 regulatory or o!rwise1 to a range ( h\s+ types at all levels ( af=dability1 includ+ manufactur$ & modul> h\s+2 7viii7 ,/ate model zon+ regulations = direct+ local re=ms1 includ+ me*anisms to enc\rage adoption2 7ix7 provisions to enc\rage transit-ori5t$ developm5t1 includ+ increas$ p]missible units p] /ructure & r$uc$ m9imum lot sizes ne> exi/+ or plann$ public transit /ations2 7x7 pot5tial re=ms to /r5g!n ! public engagem5t process2 7xi7 re=ms to prote/ petition /atutes2 7xii7 ! /&>dization1 r$uction1 or elim9ation ( impact fees2 7xiii7 co/ effective & appropriate build+ codes2 7xiv7 models = community b5efit agreem5ts2 7xv7 me*anisms to pres]ve af=dability1 limit disruption ( l[-income communities1 & prev5t displacem5t ( exi/+ resid5ts2 7xvi7 ) respect to ,/ate zon+ frameworks-- 7,i7 ,/ate model codes = direct+ local re=ms1 includ+ me*anisms to enc\rage adoption2 7,,ii7 a model = a ,/ate zon+ appeals process1 :i* w\ld-- 7aa7 create a process = develop]s or build]s reque/+ a v>iance1 conditional use1 special p]mit1 zon+ di/rict *ange1 simil> discretion>y p]mit1 or o!rwise petition+ a local zon+ or plann+ bo>d = a project includ+ a ,/ate-def9$ am\nt ( af=dable h\s+ to appeal a rejection to a ,/ate body or regional body emp[]$ by ! ,/ate2 & 7bb7 e/abli% qualifications = communities to be exempt$ f ! appeals process bas$ on _! available /ock ( af=dable h\s+2 & 7,,iii7 /reaml9+ ( ,/ate environm5tal review policies2 7xvii7 ) respect to local zon+ frameworks-- 7,i7 ! simplification & /&>dization ( exi/+ zon+ codes2 7,,ii7 maximum review timel9es2 7,,iii7 be/ practices = ! disposition ( l& own$ by local gov]nm5ts = af=dable h\s+ developm5t2 7,,iv7 diff]5tiations betwe5 be/ practices = rural1 suburban1 & urban communities1 & communities ) diff]5t levels ( d5sity or population di/ribution2 & 7,v7 /reaml9+ ( local environm5tal review policies2 & 7xviii7 o!r l& use measures t promote access to new h\s+ opportunities id5tifi$ by ! ,secret>y2 & 7,c7 consid]-- 7i7 ! effects ( adopt+ any recomm5dation on eligibility = ,f$]al discretion>y grants & tax cr$its = ! purpose ( h\s+ or community developm5t2 7ii7 coord9ation betwe5 infra/ructure inve/m5ts & h\s+ plann+2 7iii7 local h\s+ ne$s1 includ+ ways to set & measure h\s+ goals & t>gets2 7iv7 a range ( af=dability = r5tal units1 ) a prioritization ( units atta9able to extremely l[-1 l[-1 & mod]ate-income resid5ts2 7v7 a range ( af=dability = home[n]%ip2 7vi7 acc\ntability measures2 7vii7 ! long-t]m co/ to resid5ts & bus9esses if m h\s+ is n con/ruct$2 7viii7 b>ri]s to individuals seek+ to access af=dable h\s+ 9 gr[+ communities & communities ) economic opportunity2 7ix7 ) respect to ,/ate zon+ frameworks-- 7,i7 di/9ctions betwe5 ,/ates provid+ con/itutional or /atutory home rule au?ority to municipalities & ,/ates op]at+ "u ! ,dillon ,rule1 z articulat$ 9 ,hunt] v4 ,pittsburgh1 #bjg ,u4,s4 #afa 7#aijg72 & 7,,ii7 /atewide me*anisms to pres]ve exi/+ af=dability ov] ! long t]m1 includ+ support = l& banks & community l& tru/s2 & 7x7 public comm5ts elicit$ "u p>agraph 7#b77;,a72 & 7xi7 o!r consid]ations1 z id5tifi$ by ! ,assi/ant ,secret>y4 7c7 ,,aboli%m5t ,,( ,,! ,,regulatory ,,b>ri]s ,,cle>+h\se 7#a7 ,9 g5]al ,! ,regulatory ,b>ri]s ,cle>+h\se e/abli%$ pursuant to section #abje ( ! ,h\s+ & ,community ,developm5t ,act ( #aiib 7#db ,u4,s4,c4 #abgje;d7 is aboli%$4 7#b7 ,repeal ,section #abje ( ! ,h\s+ & ,community ,developm5t ,act ( #aiib 7#db ,u4,s4,c4 #abgje;d7 is repeal$4 7d7 ,report+ ,n lat] ?an #e ye>s aft] ! date on :i* ! ,assi/ant ,secret>y publi%es ! f9al guidel9es & be/ practices = ,/ate & local zon+ frameworks "u ?is section1 ! ,assi/ant ,secret>y %all submit to ! ,congress a report describ+-- 7#a7 ! ,/ates t h adopt$ recomm5dations f ! guidel9es & be/ practices1 pursuant to section #d ( ?is ,act2 7#b7 a summ>y ( ! localities t h adopt$ recomm5dations f ! guidel9es & be/ practices1 pursuant to ,section #d ( ?is ,act2 7#c7 a li/ ( ,/ates t adopt$ a ,/ate zon+ framework2 7#d7 a summ>y ( ! modifications t ea* ,/ate has made 9 _! ,/ate zon+ framework2 & 7#e7 a g5]al summ>y ( ! types ( updates localities h made to _! local zon+ framework4 #ajb4 ,accel]at+ home build+ grant program 7a7 ,def9itions ,9 ?is section3 7#a7 ,af=dable h\s+ ,! t]m af=dable h\s+ means h\s+ = :i* ! total mon?ly h\s+ co/ paym5t is n m ?an #cj p]c5t ( ! mon?ly h\sehold income = a h\sehold e>n+ n m ?an #hj p]c5t ( ! area m$ian income4 7#b7 ,cov]$ /ructure ,! t]m cov]$ /ructure means-- 7,a7 a l[-rise or mid-rise /ructure ) n m ?an #be dwell+ units2 & 7,b7 includes-- 7i7 an accessory dwell+ unit2 7ii7 infill developm5t2 7iii7 a duplex2 7iv7 a triplex2 7v7 a f\rplex2 7vi7 a cottage c\rt2 7vii7 a c\rty>d build+2 7viii7 a t[nh\se2 7ix7 a multiplex2 & 7x7 any o!r /ructure ) n less ?an #b dwell+ units t ! ,secret>y consid]s appropriate4 7#c7 ,eligible entity ,! t]m eligible entity means-- 7,a7 a unit ( g5]al local gov]nm5t1 z def9$ 9 section #ajb7;a7 ( ! ,h\s+ & ,community ,developm5t ,act ( #aigd 7#db ,u4,s4,c4 #ecjb7;a772 7,b7 a municipal memb]%ip organization2 & 7,c7 an ,indian tribe1 z def9$ 9 section #ajb7;a7 ( ! ,h\s+ & ,community ,developm5t ,act ( #aigd 7#db ,u4,s4,c4 #ecjb7;a774 7#d7 ,high opportunity area ,! t]m high opportunity area has ! mean+ giv5 ! t]m 9 section #abhb4a ( title #ab1 ,code ( ,f$]al ,regulations1 or any successor regulation4 7#e7 ,infill developm5t ,! t]m infill developm5t means resid5tial developm5t on small p>cels 9 previ\sly e/abli%$ areas = replacem5t by new or refurbi%$ h\s+ t utilizes exi/+ utilities & infra/ructure4 7#f7 ,mix$-income h\s+ ,! t]m mix$-income h\s+ means a h\s+ developm5t t is compris$ ( h\s+ units t promote diff]+ levels ( af=dability 9 ! community4 7#g7 ,pre-review$ designs ,! t]m pre-review$ designs1 also kn[n z patt]n books1 means sets ( con/ruction plans t are assess$ & approv$ by localities = compliance ) local build+ & p]mitt+ /&>ds to /reaml9e & exp$ite approval pa?ways = h\s+ con/ruction4 7#h7 ,rural area ,! t]m rural area means any area o!r ?an a city or t[n t has a population ( less ?an #ej1jjj inhabitants4 7#i7 ,secret>y ,! t]m ,secret>y means ! ,secret>y ( ,h\s+ & ,urban ,developm5t4 7b7 ,au?ority ,! ,secret>y may aw>d grants to eligible entities to select pre-review$ designs ( cov]$ /ructures ( mix$-income h\s+ = use 9 ! jurisdiction ( ! eligible entity1 except t su* grant aw>ds may n be us$ = con/ruction1 alt]ation1 or repair "w4 7c7 ,consid]ations ,9 review+ applications submitt$ by eligible entities = a grant "u ?is section1 ! ,secret>y %all consid]-- 7#a7 ! ne$ = af=dable h\s+ by ! eligible entity2 7#b7 ! pres5ce ( high opportunity areas 9 ! jurisdiction ( ! eligible entity2 7#c7 coord9ation betwe5 ! eligible entity & a ,/ate ag5cy2 & 7#d7 coord9ation betwe5 ! eligible entity & ,/ate1 local1 & regional transportation plann+ au?orities4 7d7 ,set-,aside = rural areas ,( ! am\nt made available 9 ea* fiscal ye> = grants "u ?is section1 ! ,secret>y %all ensure t n less ?an #aj p]c5t %all be us$ = grants to eligible entities t are locat$ 9 rural areas4 7e7 ,reports ,! ,secret>y %all require eligible entities receiv+ grants "u ?is section to report on-- 7#a7 ! impacts ( ! activities c>ri$ out us+ ! grant am\nts 9 improv+ ! production & supply ( af=dable h\s+2 7#b7 ! pre-review$ designs select$ us+ ! grant am\nts 9 _! communities2 7#c7 ! numb] ( p]mits issu$ = h\s+ developm5t utiliz+ pre-review$ designs2 & 7#d7 ! numb] ( h\s+ units produc$ 9 developm5ts utiliz+ ! pre-review$ designs4 7f7 ,availability ( in=mation ,! ,secret>y %all-- 7#a7 to ! ext5t possible1 enc\rage localities to make publicly available ?r\gh a website in=mation on ! pre-review$ designs select$ & submitt$ to ! ,secret>y by eligible entities receiv+ grants "u ?is section1 includ+ in=mation on ! b5efits ( use ( ^? designs2 & 7#b7 collect1 id5tify1 & dissem9ate be/ practices reg>d+ su* designs & make su* in=mation publicly available on ! website ( ! ,dep>tm5t ( ,h\s+ & ,urban ,developm5t4 7g7 ,design adoption & repaym5t ,! ,secret>y may require an eligible entity to return to ! ,secret>y any grant funds receiv$ "u ?is section if ! select$ pre-review$ designs submitt$ "u ?is section h n be5 adopt$ dur+ ! #e-ye> p]iod foll[+ receipt ( ! grant1 unless t p]iod is ext5d$ by ! ,secret>y4 #ajc4 ,f$]al guidel9es = po9t-access block build+s 7a7 ,9 g5]al ,n lat] ?an #ah mon?s aft] ! date ( enactm5t ( ?is section1 ! ,secret>y ( ,h\s+ & ,urban ,developm5t %all issue guidel9es to provide ,/ates1 t]ritories1 ,tribes1 & localities ) model code language1 be/ practices1 & te*nical guidance t c\ld be us$ to facilitate ! p]mitt+ ( po9t-access block resid5tial build+s4 7b7 ,cont5ts ,:5 develop+ ! guidel9es "u subsection 7a71 ! ,secret>y %all consid]-- 7#a7 fire safety consid]ations1 includ+ spr9kl] cov]age1 smoke detection1 v5tilation1 & build+ egress p]=mance2 7#b7 con/ruction co/s & pot5tial impacts on h\s+ af=dability1 includ+ ! pot5tial = increas+ h\s+ supply 9 high-co/ jurisdictions2 7#c7 flexibility = div]se consum] ne$s1 includ+ family sizes1 unit configurations1 & accessibility2 7#d7 examples ( s+le-/air codes adopt$ or consid]$ by ,/ates & cities 9 ! ,unit$ ,/ates2 7#e7 examples s+le-/air codes us$ 9 relevant int]national /&>ds2 7#f7 rese>* & model language relat+ to s+le-/air codes produc$ by organizations t focus on po9t-access block build+ design & build+-code re=m2 7#g7 consult+ ) exp]ts1 includ+ develop]s1 ar*itects1 fire m>%als1 rese>*]s1 economi/s1 h\s+ au?orities1 & (ficials 9 ,/ates t h enact$ or pilot$ s+le-/air codes2 & 7#h7 alt]native me?ods ( safety compliance1 includ+ options t utilize additional passive or active safety features4 7c7 ,coord9ation ) ! ,int]national ,code ,c\ncil ,! ,secret>y %all coord9ate ) ! ,int]national ,code ,c\ncil to enc\rage ! ,int]national ,code ,c\ncil to incorporate provisions ab\t po9t-access block build+s into ! ,int]national ,build+ ,code4 7d7 ,grants ,! ,secret>y may aw>d competitive grants to eligible entities to implem5t pilot projects t evaluate1 demon/rate1 or validate ! safety1 feasibility1 or co/-effectiv5ess ( po9t-access block resid5tial build+s4 7e7 ,rule ( con/ruction ,no?+ 9 ?is section may be con/ru$ to preempt a ,/ate or local build+ code4 7f7 ,def9itions ,9 ?is section3 7#a7 ,po9t-access block build+ ,! t]m po9t-access block build+ means a ,gr\p ,r-#b occupancy resid5tial /ructure1 z su* t]m is def9$ by ! ,int]national ,build+ ,code1 9 :i* a s+le int]nal /airway provides access & egress = all dwell+ units 9 a build+ t is n great] ?an #e /ories 9 height4 7#b7 ,eligible entity ,! t]m eligible entity means a ,/ate1 unit ( local gov]nm5t1 ,tribal gov]nm5t1 public h\s+ ag5cy1 nonpr(it h\s+ organization1 community developm5t organization1 private develop]1 con/ruction firm1 qualifi$ design firm1 eng9e]+ firm1 academic in/itution1 rese>* in/itution1 or any p>tn]%ip or consortium compris$ ( #b or m su* types ( entities4 #ajd4 ,unlock+ ,h\s+ ,supply ,?r\gh ,/reaml9$ & ,mod]niz$ ,reviews 7a7 ,,nepa /reaml9+ = ,,hud h\s+-,relat$ activities 7#a7 ,9 g5]al ,! ,secret>y ( ,h\s+ & ,urban ,developm5t %all1 9 accordance ) section #eec ( title #e1 ,unit$ ,/ates ,code1 & section #ajc ( ! ,national ,environm5tal ,policy ,act ( #aifi 7#db ,u4,s4,c4 #dccc71 exp& & reclassify h\s+-relat$ activities "u ! necess>y adm9i/rative regulations z foll[s3 7,a7 ,! foll[+ h\s+-relat$ activities %all be subject to regulations equival5t or sub/antially simil> to ! regulations entitl$ exempt activities z set =? 9 section #eh4cd ( title #bd1 ,code ( ,f$]al ,regulations1 z 9 effect on ,janu>y #a1 #bjbe3 7i7 ,t5ant-bas$ r5tal assi/ance1 z def9$ 9 section #h7o7 ( ! ,unit$ ,/ates ,h\s+ ,act ( #aicg 7#db ,u4,s4,c4 #adcg;f7o774 7ii7 ,supportive s]vices1 includ+ heal? c>e1 h\s+ s]vices1 p]man5t h\s+ placem5t1 day c>e1 nutritional s]vices1 %ort-t]m paym5t = r5t1 mortgage1 or utility co/s1 & assi/ance 9 ga9+ access to ,f$]al ,gov]nm5t & ,/ate & local gov]nm5t b5efits & s]vices4 7iii7 ,op]at+ co/s1 includ+ ma9t5ance1 security1 op]ation1 utilities1 furni%+s1 equipm5t1 supplies1 /aff tra9+1 & recruitm5t & o!r incid5tal co/s4 7iv7 ,economic developm5t activities1 includ+ equipm5t pur*ases1 inv5tory f9anc+1 int]e/ subsidies1 op]at+ exp5ses1 & simil> co/s n associat$ ) con/ruction or expansion ( exi/+ op]ations4 7v7 ,activities to assi/ homebuy]s to pur*ase exi/+ dwell+ units or dwell+ units "u con/ruction1 includ+ clos+ co/s & d[n paym5t assi/ance1 int]e/ rate buyd[ns1 & simil> activities t result 9 ! transf] ( title4 7vi7 ,af=dable h\s+ pre-developm5t co/s relat$ to obta9+ site options1 project f9anc+1 adm9i/rative co/s & fees = loan commitm5t1 zon+ approvals1 & o!r relat$ activities t d n h a physical impact4 7vii7 ,approval ( supplem5tal assi/ance1 includ+ insurance or gu>antee1 to a project previ\sly approv$ by ! ,secret>y4 7viii7 ,em]g5cy home[n] or r5t] assi/ance = ,,hvac1 hot wat] heat]s1 & o!r necess>y uses ( exi/+ utilities requir$ "u applicable law4 7,b7 ,! foll[+ h\s+-relat$ activities %all be subject to regulations equival5t or sub/antially simil> to ! regulations entitl$1 7i7 categorical exclusions n subject to section #eh4e & 7ii7 categorical exclusions n subject to ! ,f$]al laws & au?orities cit$ 9 sections #ej4d 9 section #eh4ce7;b7 & section #ej4ai1 respectively ( title #bd1 ,code ( ,f$]al ,regulations1 z 9 effect on ,janu>y #a1 #bjbe1 if su* activities d n mat]ially alt] environm5tal conditions & d n mat]ially exce$ ! orig9al scope ( ! project3 7i7 ,acquisition1 repair1 improvem5t1 recon/ruction1 or rehabilitation ( public facilities & improvem5ts 7o!r ?an build+s7 if ! facilities & improvem5ts are 9 place & w be reta9$ 9 ! same use )\t *ange 9 size or capacity ( m ?an #bj p]c5t1 includ+ replacem5t ( wat] or sew] l9es1 recon/ruction ( curbs & sidewalks1 & repav+ ( /reets4 7ii7 ,rehabilitation ( #a-to-#d unit resid5tial build+s1 & exi/+ h\s+-relat$ infra/ructure1 su* z repairs or rehabilitation ( exi/+ wells1 septics1 or utility l9es t connect to t h\s+4 7iii7 ,new con/ruction1 developm5t1 demolition1 acquisition1 or disposition on up to #d scatt]$ site exi/+ dwell+ units :]e !re is a maximum ( #d units on any #a site4 7iv7 ,acquisitions 7includ+ leas+7 or disposition (1 or equity loans on an exi/+ /ructure1 or acquisition 7includ+ leas+7 ( vacant l& if ! /ructure or l& acquir$1 f9anc$1 or dispos$ ( w be reta9$ = ! same use4 7,c7 ,! foll[+ h\s+-relat$ activities %all be subject to regulations equival5t or sub/antially simil> to ! regulations entitl$1 7i7 categorical exclusions subject to section #eh4e & 7ii7 categorical exclusions subject to ! ,f$]al laws & au?orities cit$ 9 sections #ej4d 9 section #eh4ce7;a7 & section #ej4bj1 respectively1 ( title #bd1 ,code ( ,f$]al ,regulations1 z 9 effect on ,janu>y #a1 #bjbe1 if su* activities d n mat]ially alt] environm5tal conditions & d n mat]ially exce$ ! orig9al scope ( ! project3 7i7 ,acquisitions ( op5 space or resid5tial prop]ty1 :]e su* prop]ty w be reta9$ = ! same use or w be conv]t$ to op5 space to help resid5ts relocate out ( an area designat$ z a high-risk area by ! ,secret>y4 7ii7 ,conv]sion ( exi/+ (fice build+s into resid5tial developm5t1 subject to-- 7,i7 a maximum numb] ( units to be det]m9$ by ! ,secret>y2 & 7,,ii7 a limitation on ! *ange 9 build+ size to n m ?an #bj p]c5t4 7iii7 ,new con/ruction1 developm5t1 demolition1 acquisition1 or disposition on #e to #ae dwell+ units :]e !re is a maximum ( fifte5 units on any #a site4 ,! units c be #ae #a-unit build+s or #a #ae-unit build+1 or any comb9ation 9 betwe54 7iv7 ,new con/ruction1 developm5t1 demolition1 acquisition1 or disposition on #ae or m h\s+ units develop$ on scatt]$ sites :5 !re are n m ?an #ae h\s+ units on any #a site1 & ! sites are m ?an a set numb] ( feet ap>t z det]m9$ by ! ,secret>y4 7v7 ,rehabilitation ( build+s & improvem5ts 9 ! case ( a build+ = resid5tial use ) #e to #ae units1 if ! d5sity is n increas$ beyond #ae units & ! l& use is n *ang$4 7vi7 ,infill projects consi/+ ( new con/ruction1 rehabilitation1 or developm5t ( resid5tial h\s+ units4 7vii7 ,buy\ts1 def9$ z ! volunt>y acquisition ( prop]ties locat$ 9 a-- 7,i7 floodway2 7,,ii7 floodpla92 or 7,,iii7 o!r area1 cle>ly del9eat$ by ! grantee1 t has be5 impact$ by a pr$ictable environm5tal ?reat to ! safety & wellbe+ ( program b5efici>ies caus$ or exac]bat$ by a ,f$]ally decl>$ disa/]4 7#b7 ,report ,! ,secret>y %all submit to ! ,committee on ,bank+1 ,h\s+1 & ,urban ,affairs ( ! ,s5ate & ! ,committee on ,f9ancial ,s]vices ( ! ,h\se ( ,repres5tatives annual reports dur+ ! #e-ye> p]iod beg9n+ on ! date t is #b ye>s aft] ! date ( enactm5t ( ?is ,act t provide a summ>y ( f9d+s ( r$uctions 9 review times & adm9i/rative co/ r$uction1 ) a p>ticul> focus on ! af=dable h\s+ sector1 z a result ( ! actions set =? 9 ?is subsection1 & any recomm5dations ( ! ,secret>y = future congressional action ) respect to revis+ categorical exclusions or exemptions "u title #bd1 ,code ( ,f$]al ,regulations4 7b7 ,bett] ,use ( ,int]gov]nm5tal & ,local ,developm5t = ,h\s+ 7#a7 ,designation ( environm5tal review proc$ure ,! ,dep>tm5t ( ,h\s+ & ,urban ,developm5t ,act 7#db ,u4,s4,c4 #ceca et seq47 is am5d$ by ins]t+ aft] section #ab 7#db ,u4,s4,c4 #cecg;a7 ! foll[+3 #ac4 ,designation ( environm5tal review proc$ure 7a7 ,9 g5]al ,except z provid$ 9 subsection 7b71 ! ,secret>y may1 = purposes ( environm5tal review1 decision mak+1 & action pursuant to ! ,national ,environm5tal ,policy ,act ( #aifi 7#db ,u4,s4,c4 #dcba et seq471 & o!r provisions ( law t fur!r ! purposes ( su* ,act1 designate ! treatm5t ( assi/ance adm9i/]$ by ! ,secret>y z funds = a special project = purposes ( section #cje7;c7 ( ! ,multifamily ,h\s+ ,prop]ty ,disposition ,re=m ,act ( #aiid 7#db ,u4,s4,c4 #cedg74 7b7 ,exception ,! designation describ$ 9 subsection 7a7 %all n apply to assi/ance = :i* a proc$ure = c>ry+ out ! responsibilities ( ! ,secret>y "u ! ,national ,environm5tal ,policy ,act ( #aifi 7#db ,u4,s4,c4 #dcba et seq471 & o!r provisions ( law t fur!r ! purposes ( su* ,act1 is o!rwise specifi$ 9 law4 4 7#b7 ,tribal assumption ( environm5tal review obligations ,section #cje7;c7 ( ! ,multifamily ,h\s+ ,prop]ty ,disposition ,re=m ,act ( #aiid 7#db ,u4,s4,c4 #cedg7 is am5d$-- 7,a7 by /rik+ ,/ate or unit ( g5]al local gov]nm5t ea* place x appe>s & ins]t+ ,/ate1 ,indian ,tribe1 or unit ( g5]al local gov]nm5t2 7,b7 9 p>agraph 7#a77;,c71 9 ! head+1 by /rik+ ,/ate or unit ( g5]al local gov]nm5t & ins]t+ ,/ate1 ,indian ,tribe1 or unit ( g5]al local gov]nm5t2 & 7,c7 by add+ at ! end ! foll[+3 7#e7 ,def9ition ( ,indian ,tribe ,= purposes ( ?is subsection1 ! t]m ,indian ,tribe means a f$]ally recogniz$ tribe1 z def9$ 9 section #d7ac77;,b7 ( ! ,native ,am]ican ,h\s+ ,assi/ance & ,self-,det]m9ation ,act ( #aiif 7#be ,u4,s4,c4 #dajc7ac77;,b774 4 7c7 ,infill project def9$ ,9 ?is section1 ! t]m infill project means a project t-- 7#a7 occurs )9 ! geographic limits ( a municipality2 7#b7 is adequately s]v$ by exi/+ utilities & public s]vices z requir$ "u applicable law2 7#c7 is locat$ on a site ( previ\sly di/urb$ l& ( n m ?an #e acres & sub/antially surr\nd$ by resid5tial or comm]cial developm5t2 7#d7 w repurpose a vacant or und]utiliz$ p>cel ( l&1 or a dilapidat$ or ab&on$ /ructure2 & 7#e7 w s]ve a resid5tial or comm]cial purpose4 #aje4 ,f$]al ,h\s+ ,ag5cy ,application ( ,environm5tal ,reviews 7a7 ,9 g5]al ,n lat] ?an #ahj days aft] ! date ( enactm5t ( ?is ,act1 ! ,secret>y ( ,h\s+ & ,urban ,developm5t & ! ,secret>y ( ,agriculture %all ent] into a memor&um ( und]/&+ to-- 7#a7 evaluate categorical exclusions 7z def9$ 9 section #aaa ( ! ,national ,environm5tal ,policy ,act ( #aifi 7#db ,u4,s4,c4 #dccf;e77 = h\s+ projects fund$ by am\nts f ! ,dep>tm5t ( ! ,h\s+ & ,urban ,developm5t & ! ,dep>tm5t ( ,agriculture2 7#b7 develop a process to designate a lead ag5cy among ! ,dep>tm5t ( ,h\s+ & ,urban ,developm5t & ! ,dep>tm5t ( ,agriculture & /reaml9e ! adoption ( environm5tal impact /atem5ts & environm5tal assessm5ts approv$ by ! o!r ag5cy to con/ruct h\s+ projects fund$ by am\nts f bo? ag5cies2 7#c7 ma9ta9 compliance ) environm5tal regulations "u "p #eh ( title #bd1 ,code ( ,f$]al ,regulations1 z 9 effect on ,janu>y #a1 #bjbe2 & 7#d7 evaluate ! feasibility ( a jo9t physical inspection process = h\s+ projects fund$ by am\nts f ! ,dep>tm5t ( ! ,h\s+ & ,urban ,developm5t & ! ,dep>tm5t ( ,agriculture4 7b7 ,advisory work+ gr\p 7#a7 ,9 g5]al ,n lat] ?an #ahj days aft] ! date ( enactm5t ( ?is ,act1 ! ,secret>y ( ,h\s+ & ,urban ,developm5t & ! ,secret>y ( ,agriculture %all e/abli% an advisory work+ gr\p = ! purpose ( consult+ on ! implem5tation ( ! memor&um ( und]/&+ ent]$ into "u subsection 7a74 7#b7 ,memb]s ,! advisory work+ gr\p e/abli%$ "u p>agraph 7#a7 %all consi/ ( rural & non-rural /akehold]s1 includ+-- 7,a7 af=dable h\s+ nonpr(it organizations2 7,b7 ,/ate h\s+ & h\s+ f9ance ag5cies2 7,c7 nonpr(it & =-pr(it home build]s & h\s+ develop]s2 7,d7 prop]ty managem5t companies2 7,e7 own]s ( multifamily prop]ties1 includ+ nonpr(it & =-pr(it own]s & op]ators2 7,f7 public h\s+ ag5cies2 7,g7 resid5ts 9 h\s+ assi/$ by ! ,dep>tm5t ( ,h\s+ & ,urban ,developm5t or ! ,dep>tm5t ( ,agriculture & repres5tatives ( ^? resid5ts2 & 7,h7 h\s+ contract adm9i/rators4 7c7 ,report ,n lat] ?an #a ye> aft] ! date ( enactm5t ( ?is ,act1 ! ,secret>y ( ,h\s+ & ,urban ,developm5t & ! ,secret>y ( ,agriculture %all submit to ! ,committee on ,bank+1 ,h\s+1 & ,urban ,affairs ( ! ,s5ate & ! ,committee on ,f9ancial ,s]vices ( ! ,h\se ( ,repres5tatives a report t includes recomm5dations = legislative1 regulatory1 or adm9i/rative actions-- 7#a7 to improve ! effici5cy & effectiv5ess ( h\s+ projects fund$ by am\nts f ! ,dep>tm5t ( ! ,h\s+ & ,urban ,developm5t & ! ,dep>tm5t ( ,agriculture2 & 7#b7 t d n mat]ially1 ) respect to resid5ts ( h\s+ projects describ$ 9 p>agraph 7#a7-- 7,a7 r$uce ! safety ( ^? resid5ts2 7,b7 %ift long-t]m co/s onto ^? resid5ts2 or 7,c7 und]m9e ! environm5tal /&>ds ( ^? resid5ts4 #ajf4 ,multifamily loan limits 7a7 ,9 g5]al ,title ,,ii ( ! ,national ,h\s+ ,act 7#ab ,u4,s4,c4 #agjg et seq47 is am5d$-- 7#a7 9 section #bjf;,a 7#ab ,u4,s4,c4 #agab;a7-- 7,a7 9 subsection 7a71 9 ! matt] foll[+ p>agraph 7#g71 by /rik+ 7comm5c+ 9 #bjjd & all t foll[s ?r\gh ! p]iod at ! end & ins]t+ ! foll[+3 1 comm5c+ on ,janu>y #a1 #bjbf4 ,! adju/m5t ( ! ,doll> ,am\nts %all be calculat$ by ! ,secret>y us+ ! p]c5tage *ange 9 ! ,price ,deflator ,index ( ,multifamily ,resid5tial ,units ,"u ,con/ruction releas$ by ! ,bureau ( ! ,c5sus f ,m>* ( ! previ\s ye> to ,m>* ( ! ye> 9 :i* ! adju/m5t is made1 or calculat$ by ! ,secret>y us+ an alt]native indicator aft] publi%+ in=mation ab\t su* alt]native indicator 9 ! ,f$]al ,regi/] = public comm5t if ! ,price ,deflator ,index ( ,multifamily ,resid5tial ,units ,"u ,con/ruction is n available or publi%$42 7,b7 by am5d+ subsection 7b7 to read z foll[s3 7b7 ,r\nd+ ,! doll> am\nt ( any adju/m5t describ$ 9 subsection 7a7 %all be r\nd$ to ! next l[] doll>4 7c7 ,publication ,! ,secret>y %all publi% 9 ! ,f$]al ,regi/] any adju/m5ts made to ! ,doll> ,am\nts4 2 7#b7 9 section #bjg7;c77#c77;,a7 7#ab ,u4,s4,c4 #agac7;c77#c77;,a77-- 7,a7 by /rik+ #ch1jbe & ins]t+ #afg1caj2 7,b7 by /rik+ #db1abj & ins]t+ #ahe1cbh2 7,c7 by /rik+ #ej1caj & ins]t+ #bba1cfd2 7,d7 by /rik+ #fb1jaj & ins]t+ #bgb1hdd2 7,e7 by /rik+ #gj1bjj & ins]t+ #cjh1hhj2 7,f7 by /rik+ 1 or n to exce$ #ag1dfj p] space2 7,g7 by /rik+ #dc1hge & ins]t+ #aic1jej2 7,h7 by /rik+ #di1adj & ins]t+ #baf1baf2 7,i7 by /rik+ #fj1bee & ins]t+ #bfe1abb2 7,j7 by /rik+ #ge1dfe & ins]t+ #ccb1jdf2 & 7,k7 by /rik+ #he1cbh & ins]t+ #cge1ddc2 7#c7 9 section #bac7;b77#b7 7#ab ,u4,s4,c4 #agae;e7b77#b77-- 7,a7 by /rik+ #da1bjg & ins]t+ #aha1caa2 7,b7 by /rik+ #dg1eaa & ins]t+ #bji1jdh2 7,c7 by /rik+ #eg1cjj & ins]t+ #beb1abj2 7,d7 by /rik+ #gc1cdc & ins]t+ #cbb1gji2 7,e7 by /rik+ #ha1gjh & ins]t+ #cei1eae2 7,f7 by /rik+ #dc1hge & ins]t+ #aic1jej2 7,g7 by /rik+ #di1gaj & ins]t+ #bah1gbd2 7,h7 by /rik+ #fj1ddf & ins]t+ #bfe1ifb2 7,i7 by /rik+ #gh1aig & ins]t+ #cdd1jfg2 & 7,j7 by /rik+ #he1hcf & ins]t+ #cgg1fgh2 7#d7 9 section #bbj7;d77#c77;,b77iii77,i7 7#ab ,u4,s4,c4 #agaek7d77#c77;,b77iii77,i77-- 7,a7 by /rik+ #ch1jbe & ins]t+ #afg1caj2 7,b7 by /rik+ #db1abj & ins]t+ #ahe1cbh2 7,c7 by /rik+ #ej1caj & ins]t+ #bba1cfd2 7,d7 by /rik+ #fb1jaj & ins]t+ #bgb1hdd2 7,e7 by /rik+ #gj1bjj & ins]t+ #cjh1hhj2 7,f7 by /rik+ #dc1hge & ins]t+ #aic1jej2 7,g7 by /rik+ #di1adj & ins]t+ #baf1baf2 7,h7 by /rik+ #fj1bee & ins]t+ #bfe1abb2 7,i7 by /rik+ #ge1dfe & ins]t+ #ccb1jdf2 & 7,j7 by /rik+ #he1cbh & ins]t+ #cge1ddc2 7#e7 9 section #bba7;d77#d77;ii77,i7 7#ab ,u4,s4,c4 #agael7d77#d77;ii77,i77-- 7,a7 by /rik+ #cg1hdc & ins]t+ #aff1eji2 7,b7 by /rik+ #db1ied & ins]t+ #ahh1iig2 7,c7 by /rik+ #ea1ibj & ins]t+ #bbh1ddh2 7,d7 by /rik+ #fe1afi & ins]t+ #bhf1gdd2 7,e7 by /rik+ #gc1hdf & ins]t+ #cbd1ibb2 7,f7 by /rik+ #dj1hgf & ins]t+ #agi1hed2 7,g7 by /rik+ #df1hei & ins]t+ #bjf1ahj2 7,h7 by /rik+ #ef1igi & ins]t+ #bej1gjh2 7,i7 by /rik+ #gc1gaj & ins]t+ #cbd1cbd2 & 7,j7 by /rik+ #hj1iac & ins]t+ #cef1jag2 7#f7 9 section #bca7;c77#b77;,a7 7#ab ,u4,s4,c4 #agaev7c77#b77;,a77-- 7,a7 by /rik+ #ce1igh & ins]t+ #aff1eji2 7,b7 by /rik+ #dj1bbj & ins]t+ #ahh1iig2 7,c7 by /rik+ #dh1jbi & ins]t+ #bbh1ddh2 7,d7 by /rik+ #eg1gih & ins]t+ #bhf1gdd2 7,e7 by /rik+ #fg1iej & ins]t+ #cbd1ibb2 7,f7 by /rik+ #dj1hgf & ins]t+ #agi1hed2 7,g7 by /rik+ #df1hei & ins]t+ #bjf1ahj2 7,h7 by /rik+ #ef1igi & ins]t+ #bej1gjh2 7,i7 by /rik+ #gc1gaj & ins]t+ #cbd1cbd2 & 7,j7 by /rik+ #hj1iac & ins]t+ #cef1jag2 & 7#g7 9 section #bcd7;e77#c77;,a7 7#ab ,u4,s4,c4 #agaey7e77#c77;,a77-- 7,a7 by /rik+ #db1jdh & ins]t+ #ahe1jaa2 7,b7 by /rik+ #dh1dha & ins]t+ #bac1caf2 7,c7 by /rik+ #eh1dfi & ins]t+ #beg1bfc2 7,d7 by /rik+ #gd1hdj & ins]t+ #cbi1bif2 7,e7 by /rik+ #hc1cge & ins]t+ #cff1hej2 7,f7 by /rik+ #dd1bej & ins]t+ #aid1gjj2 7,g7 by /rik+ #ej1gbd & ins]t+ #bbc1ahf2 7,h7 by /rik+ #fa1fhj & ins]t+ #bga1cib2 7,i7 by /rik+ #gi1gic & ins]t+ #cea1jhi2 & 7,j7 by /rik+ #hg1ehh & ins]t+ #che1chg4 7b7 ,rule ( con/ruction ,no?+ 9 ?is section or ! am5dm5ts made by ?is section may be con/ru$ to limit ! au?ority ( ! ,secret>y ( ,h\s+ & ,urban ,developm5t to revise ! /atutory exceptions = high-co/ p]c5tage & high-co/ areas annual index+4 #ajg4 ,,gao /udies 7a7 ,work=ce h\s+ /udy 7#a7 ,9 g5]al ,n lat] ?an #a ye> aft] ! date ( ! enactm5t ( ?is section1 ! ,comptroll] ,g5]al ( ! ,unit$ ,/ates %all conduct a /udy & submit to ! ,congress a report t-- 7,a7 id5tifies ob/acles middle-income h\seholds face :5 look+ to secure af=dable h\s+2 7,b7 id5tifies geographic areas :]e h\s+ is ! mo/ unaf=dable & unavailable = middle-income h\seholds2 7,c7 includes a li/ ( ,f$]al h\s+ programs1 includ+ ,f$]al tax cr$its1 grants1 & loan programs1 t are n available to middle-income h\seholds due to _! income /atus1 includ+ ,f$]al h\s+ programs design$ to promote af=dability2 7,d7 recomm5ds income & o!r p>amet]s = a cle> & consi/5t ,f$]al def9ition = ! t]m work=ce h\s+ = use :5 describ+ ! segm5t ( h\s+ t c\ld be made available to su* middle-income h\seholds 9 ,f$]al h\s+ programs2 & 7,e7 analyzes h[ to modify or newly develop new ,f$]al h\s+ programs & inc5tives to include work=ce h\s+ if fund+ comm5surate ) ! additional eligibility 7 to be made available4 7#b7 ,middle-income h\sehold def9$ ,9 ?is subsection1 ! t]m middle income h\sehold means a h\sehold ) an income above #hj p]c5t b t does n exce$ #abj p]c5t ( ! m$ian family income ( ! area1 z det]m9$ by ! ,secret>y ) adju/m5ts = small] & l>g] families4 7b7 ,uni=m build+ code /udy ,n lat] ?an #a ye> aft] ! date ( ! enactm5t ( ?is section1 ! ,comptroll] ,g5]al ( ! ,unit$ ,/ates %all conduct a /udy & submit a report to ! ,congress t exam9es ! co/s & b5efits t c\ld be associat$ ) e/abli%+ a ,f$]al uni=m resid5tial build+ code1 includ+ :e!r su* a code c\ld-- 7#a7 r$uce ! am\nt ( "t requir$ = units ( local gov]nm5t to approve new con/ruction2 7#b7 r$uce ! co/ ( resid5tial con/ruction 9 ! ,unit$ ,/ates2 or 7#c7 increase ! quality ( available & af=dable resid5tial h\s+ 9 ! ,unit$ ,/ates4 ,,ii ,mod]niz+ ,local ,developm5t & ,rural ,h\s+ ,programs #bja4 ,,home ,re=m 7a7 ,9 g5]al ,section #ajd ( ! ,cran/on-,gonzalez ,national ,af=dable ,h\s+ ,act 7#db ,u4,s4,c4 #abgjd7 is am5d$-- 7#a7 9 p>agraph 7#f77;,b71 by /rik+ significant2 & 7#b7 by add+ at end ! foll[+ new p>agraph3 7#bf7 ,! t]m infill h\s+ project means a resid5tial h\s+ project t-- 7,a7 is locat$ )9 ! geographic limits ( a municipality2 7,b7 is adequately s]v$ by exi/+ utilities & public s]vices z requir$ "u applicable law2 7,c7 is locat$ on a site ( previ\sly di/urb$ l& ( n m ?an #e acres2 & 7,d7 is sub/antially surr\nd$ by resid5tial or comm]cial developm5t1 z det]m9$ by ! ,secret>y4 4 7b7 ,assi/ance = l[-,income families ,title ,,ii ( ! ,cran/on-,gonzalez ,national ,af=dable ,h\s+ ,act 7#db ,u4,s4,c4 #abgba et seq47 is am5d$-- 7#a7 9 section #bad7b71 by /rik+ h\seholds t qualify z l[-income families & ins]t+ families ) a h\sehold income t does n exce$ #ajj p]c5t ( ! m$ian family income ( ! area1 z det]m9$ by ! ,secret>y2 7#b7 9 section #bae-- 7,a7 9 subsection 7b77#b71 by /rik+ ^: family qualifies z a l[-income family & ins]t+ ) a family income t does n exce$ #ajj p]c5t ( ! m$ian family income ( ! area z det]m9$ by ! ,secret>y ) adju/m5ts = small] & l>g] families2 & 7,b7 9 subsection 7b77#c77;,a77ii71 by /rik+ l[-income homebuy]s & ins]t+ homebuy]s ) a h\sehold income t does n exce$ #ajj p]c5t ( ! m$ian family income ( ! area1 z det]m9$ by ! ,secret>y ) adju/m5ts = small] & l>g] families2 & 7#c7 9 section #bga7;c7-- 7,a7 9 p>agraph 7#a77;,b71 by /rik+ l[-income & ins]t+ families ) a h\sehold income t does n exce$ #ajj p]c5t ( ! m$ian family income ( ! area z det]m9$ by ! ,secret>y ) adju/m5ts = small] & l>g] families2 & 7,b7 9 p>agraph 7#b77;,a71 by /rik+ l[-income families & ins]t+ families ) a h\sehold income t does n exce$ #ajj p]c5t ( ! m$ian family income ( ! area z det]m9$ by ! ,secret>y ) adju/m5ts = small] & l>g] families4 7c7 ,*oices made by p>ticipat+ jurisdictions ,section #bab7;a77#b7 ( ! ,cran/on-,gonzalez ,national ,af=dable ,h\s+ ,act 7#db ,u4,s4,c4 #abgdb7 is am5d$ to read z foll[s3 7#b7 ,limitation ,! ,secret>y may n re/rict a p>ticipat+ jurisdiction's *oice ( rehabilitation1 sub/antial rehabilitation1 new con/ruction1 recon/ruction1 acquisition1 or o!r eligible h\s+ uses au?oriz$ 9 p>agraph 7#a7 unless su* re/riction is explicitly au?oriz$ "u section #bbc7b74 4 7d7 ,use ( am\nts by c]ta9 jurisdictions = infra/ructure improvem5ts 7#a7 ,9 g5]al ,section #bab7;a7 ( ! ,cran/on-,gonzalez ,national ,af=dable ,h\s+ ,act 7#db ,u4,s4,c4 #abgdb7;a77 is am5d$ by ins]t+ aft] p>agraph 7#c7 ! foll[+3 7#d7 ,infra/ructure improvem5ts 9 non5titlem5t areas 7,a7 ,9 g5]al ,a p>ticipat+ jurisdiction may use funds provid$ "u ?is subtitle = infra/ructure improvem5ts1 includ+ ! in/allation or repair ( wat] & sew] l9es1 sidewalks1 roads1 & utility connections if-- 7i7 su* p>ticipat+ jurisdiction does n receive assi/ance "u title ,i ( ! ,h\s+ & ,community ,developm5t ,act ( #aigd2 & 7ii7 su* improvem5ts are directly relat$ to1 & locat$ )9 or imm$iately adjac5t to-- 7,i7 h\s+ assi/$ "u ?is subtitle2 or 7,,ii7 h\s+ assi/$ "u section #db ( ! ,int]nal ,rev5ue ,code ( #aihf4 7,b7 ,application ( labor /&>ds ,! labor /&>ds & requirem5ts set =? 9 section #aaj ( ! ,h\s+ & ,community ,developm5t ,act ( #aigd 7#db ,u4,s4,c4 #ecaj7 %all apply to any infra/ructure improvem5t conduct$ us+ funds provid$ "u ?is subtitle4 7,c7 ,rule ( con/ruction ,no?+ 9 ?is p>agraph may be con/ru$ to impose any requirem5ts ( ! ,,home ,inve/m5t ,p>tn]%ips program on h\s+ t b5efits f an infra/ructure improvem5t conduct$ us+ funds provid$ "u ?is subtitle b 0 n o!rwise assi/$ "u ! ,,home ,inve/m5t ,p>tn]%ips program4 4 7#b7 ,rulemak+ ,n lat] ?an #a ye> aft] ! date ( ! enactm5t ( ?is section1 ! ,secret>y %all issue rules to c>ry out ! am5dm5t made by p>agraph 7#a74 7e7 ,p] unit inve/m5t limitations ,section #bab7;e77#a7 ( ! ,cran/on-,gonzalez ,national ,af=dable ,h\s+ ,act 7#db ,u4,s4,c4 #abgdb7;e77#a77 is am5d$ by /rik+ ! second s5t5ce4 7f7 ,af=dable r5tal h\s+ qualifications ,section #bae7;a7 ( ! ,cran/on-,gonzalez ,national ,af=dable ,h\s+ ,act 7#db ,u4,s4,c4 #abgde7;a77 is am5d$ by add+ at ! end ! foll[+3 7#g7 ,qualification ,exception ,not)/&+ p>agraph 7#a77;,a71 a r5tal unit %all be consid]$ to qualify z af=dable h\s+ "u ?is title if-- 7,a7 ! unit is occupi$ by a t5ant receiv+ t5ant-bas$ r5tal assi/ance "u section #h ( ! ,unit$ ,/ates ,h\s+ ,act ( #aicg 7#db ,u4,s4,c4 #adcg;f72 7,b7 ! t5ant's contribution t[>d r5t does n exce$ ! am\nt p]mitt$ "u su* section #h assi/ance2 & 7,c7 ! total r5t = ! unit does n exce$ ! am\nt approv$ by ! public h\s+ ag5cy adm9i/]+ ! assi/ance "u t program4 4 7g7 ,af=dable home[n]%ip h\s+ qualifications ,section #bae ( ! ,cran/on-,gonzalez ,national ,af=dable ,h\s+ ,act 7#db ,u4,s4,c4 #abgde7;b77 is am5d$-- 7#a7 9 subsection 7b7-- 7,a7 9 p>agraph 7#a71 by /rik+ #ie p]c5t & ins]t+ #aaj p]c5t2 7,b7 9 p>agraph 7#c7-- 7i7 9 subp>agraph 7,a77ii71 by /rik+ or at ! end2 7ii7 9 subp>agraph 7,b71 by /rik+ & at ! end & ins]t+ or2 & 7iii7 by add+ at ! end ! foll[+ new subp>agraph3 7,c7 ma9ta9 long-t]m af=dability ?r\gh a %>$ equity own]%ip model1 a community l& tru/1 a limit$ equity coop]ative1 a community developm5t corporation1 or o!r me*anism approv$ by ! ,secret>y1 t pres]ves af=dability = future eligible homebuy]s & ensures compliance ) ! purposes ( ?is title1 includ+ ?r\gh ! use ( pur*ase options1 rights ( fir/ refusal or o!r preemptive rights to pur*ase h\s+2 & 2 & 7#b7 by add+ at ! end ! foll[+3 7c7 ,qualification exceptions = home[n]%ip 7#a7 ,milit>y memb]s ,a p>ticipat+ jurisdiction1 9 accordance ) t]ms e/abli%$ by ! ,secret>y1 may susp5d or waive ! income qualifications describ$ 9 subsection 7b77#b7 ) respect to h\s+ t o!rwise meets ! crit]ia describ$ 9 subsection 7b7 if ! own] ( ! h\s+-- 7,a7 is a memb] ( a regul> compon5t ( ! arm$ =ces or a memb] ( ! ,national ,gu>d on full-"t ,national ,gu>d duty1 active ,gu>d & ,res]ve duty1 or inactive-duty tra9+ 7z ^? t]ms are def9$ 9 section #aja7;d7 ( title #aj1 ,unit$ ,/ates ,code72 & 7,b7 has receiv$-- 7i7 tempor>y duty ord]s to deploy ) a milit>y unit or milit>y ord]s to deploy z an individual act+ 9 support ( a milit>y op]ation1 to a location t is n )9 a reasonable di/ance f ! h\s+1 z det]m9$ by ! ,secret>y1 = a p]iod ( n less ?an #ij days2 or 7ii7 ord]s = a p]man5t *ange ( /ation4 7#b7 ,heirs & b5efici>ies ( deceas$ own]s ,h\s+ t meets ! crit]ia describ$ 9 subsection 7b77#c7 prior to ! dea? ( an own] ( su* h\s+ %all cont9ue to qualify z af=dable h\s+ "u ?is title if-- 7,a7 ! h\s+ is ! pr9cipal resid5ce ( an heir or b5efici>y ( ! deceas$ own]1 z def9$ by ! ,secret>y2 & 7,b7 ! heir or b5efici>y1 9 accordance ) t]ms e/abli%$ by ! ,secret>y1 assumes ! duties & obligations ( ! deceas$ own] ) respect to funds provid$ "u ?is title4 4 7h7 ,elim9ation ( expiration ( "r ,to draw home inve/m5t tru/ funds ,section #bah ( ! ,cran/on-,gonzalez ,national ,af=dable ,h\s+ ,act 7#db ,u4,s4,c4 #abgdh7 is am5d$-- 7#a7 by /rik+ subsection 7g72 & 7#b7 by r$esignat+ subsection 7h7 z subsection 7g74 7i7 ,adju/$ recapture & reuse ( set-,aside = community h\s+ developm5tal organizations ,section #bca7;b7 ( ! ,cran/on-,gonzalez ,national ,af=dable ,h\s+ ,act 7#db ,u4,s4,c4 #abgga7;b77 is am5d$ to read z foll[s3 7b7 ,recapture & reuse ,if any funds res]v$ "u subsection 7a7 rema9 un9ve/$ = a p]iod ( #bd mon?s1 ! ,secret>y %all make su* funds available to ! p>ticipat+ jurisdiction = any eligible activities "u title ,,ii ( ?is ,act )\t reg>d to :e!r a community h\s+ developm5t organization mat]ially p>ticipates 9 ! use ( su* funds4 4 7j7 ,asset recycl+ in=mation dissem9ation expansion ,section #bde7;b77#b7 ( ! ,cran/on-,gonzalez ,national ,af=dable ,h\s+ ,act 7#db ,u4,s4,c4 #abghe7;b77#b77 is am5d$ by /rik+ #ie p]c5t & ins]t+ #aaj p]c5t4 7k7 ,environm5tal review requirem5ts 7#a7 ,9 g5]al ,section #bhh ( ! ,cran/on-,gonzalez ,national ,af=dable ,h\s+ ,act 7#db ,u4,s4,c4 #abhch7 is am5d$ by add+ at ! end ! foll[+3 7e7 ,categorical exemptions ,! foll[+ categories ( activities c>ri$ out "u ?is title %all be /atutorily exempt f environm5tal review "u ! ,national ,environm5tal ,policy ,act ( #aifi 7#db ,u4,s4,c4 #dcba et seq471 & %all n require fur!r review "u su* ,act-- 7#a7 new con/ruction infill h\s+ projects2 7#b7 acquisition ( real prop]ty = af=dable h\s+ purposes2 7#c7 rehabilitation projects c>ri$ out pursuant to section #bab7;a77#a72 & 7#d7 new con/ruction projects ( #ae units or less4 7f7 ,remov+ duplicative reviews 7#a7 ,9 g5]al ,to ! ext5t practicable & p]mitt$ by law1 ! ,secret>y %all ensure t a project t has und]gone an environm5tal review "u ?is section %all n be subject to a duplicative environm5tal review solely due to ! addition1 sub/itution1 or reallocation ( o!r s\rces ( ,f$]al assi/ance1 if ! scope1 scale1 & location ( ! project rema9 sub/antially un*ang$4 7#b7 ,coord9ation ( environm5tal review responsibilities ,! ,secret>y %all1 by regulation1 provide = coord9ation ( environm5tal review responsibilities ) o!r ,f$]al ag5cies to /reaml9e int]-ag5cy compliance & avoid unnecess>y duplication ( ef=t "u ! ,national ,environm5tal ,policy ,act ( #aifi 7#db ,u4,s4,c4 #dcba et seq47 & o!r applicable laws4 7#c7 ,recognition ( prior reviews by responsible entities ,a project may n be subject to an environm5tal review "u ?is section if a sub/antially simil> review has already be5 complet$ by an entity designat$ "u section #ajd7;g77#a7 ( ! ,h\s+ & ,community ,developm5t ,act ( #aigd 7#db ,u4,s4,c4 #ecjd7;g77#a77 or by ano!r entity ! ,secret>y det]m9es to h equival5t au?ority1 if ! scope1 scale1 & location ( ! project rema9 sub/antially un*ang$4 4 7#b7 ,rulemak+ ,n lat] ?an #a ye> aft] ! date ( ! enactm5t ( ?is ,act1 ! ,secret>y %all issue su* rules z ! ,secret>y det]m9es necess>y to c>ry out ! am5dm5t made by ?is subsection4 7l7 ,application ( o!r specifi$ /atutory requirem5ts ,title ,,ii ( ! ,cran/on-,gonzalez ,national ,af=dable ,h\s+ ,act 7#db ,u4,s4,c4 #abgba et seq47 is am5d$ by add+ at ! end ! foll[+ new sections3 #bia4 ,application ( build ,am]ica1 buy ,am]ica requirem5ts ,) respect to activities assi/$ "u ?is title1 requirem5ts "u ! ,build ,am]ica1 ,buy ,am]ica ,act 7#da ,u4,s4,c4 #hcja note7 & any implem5t+ regulations or guidance1 %all only apply to infra/ructure improvem5ts conduct$ "u section #bab7;a77#d7 us+ funds provid$ "u subtitle ,a4 #bib4 ,nonapplicability ( c]ta9 requirem5ts = small projects ,not)/&+ any o!r provision ( law1 ! requirem5ts ( section #c ( ! ,h\s+ & ,urban ,developm5t ,act ( #aifh 7#ab ,u4,s4,c4 #agjau71 & any implem5t+ regulations or guidance1 %all n apply to an activity assi/$ "u ?is title t involves rehabilitation1 con/ruction1 or o!r developm5t ( h\s+ if-- 7#a7 ! recipi5t ( assi/ance "u ?is title is-- 7,a7 a ,/ate recipi5t pursuant to section #baf2 or 7,b7 a p>ticipat+ jurisdiction t receiv$ a total allocation ( less ?an #c1jjj1jjj 9 ! mo/ rec5t fiscal ye> pursuant to section #baf2 & 7#b7 ! total numb] ( dwell+ units assi/$ z a "p ( su* activity is #ej or few]4 4 7m7 ,te*nical am5dm5ts ,! ,cran/on-,gonzalez ,national ,af=dable ,h\s+ ,act 7#db ,u4,s4,c4 #abgja et seq47 is am5d$-- 7#a7 by /rik+ ,/ew>t ,b4 ,mc,kinney ,homeless ,assi/ance ,act ea* place x appe>s & ins]t+ ,mc,kinney-,v5to ,homeless ,assi/ance ,act2 & 7#b7 by /rik+ ,committee on ,bank+1 ,f9ance & ,urban ,affairs ea* place x appe>s & ins]t+ ,committee on ,f9ancial ,s]vices4 #bjb4 ,community ,developm5t ,fund ,am5dm5ts 7a7 ,id5tify+ ,regulatory ,b>ri]s to ,h\s+ ,supply ,section #ajd ( ! ,h\s+ & ,community ,developm5t ,act ( #aigd 7#db ,u4,s4,c4 #ecjd7 is am5d$ by add+ at ! end ! foll[+3 7n7 ,plan ,to track & r$uce ov]ly burd5some l& use policies 7#a7 ,9 g5]al ,beg9n+ #a ye> aft] ! date ( ! enactm5t ( ?is subsection1 prior to receipt 9 any fiscal ye> ( a grant f ! ,secret>y "u subsection 7b71 7d77#a71 or 7d77#b77;,b7 ( section #ajf1 ea* recipi5t %all h prep>$ & submitt$1 n less frequ5tly ?an once dur+ ! prec$+ #e-ye> p]iod1 a description (-- 7,a7 :e!r ! jurisdiction s]v$ by ! recipi5t has adopt$ any ( ! types ( l& use policies describ$ 9 p>agraph 7#b7 dur+ ! prec$+ #e-ye> p]iod2 7,b7 ! plans ! jurisdiction s]v$ by ! recipi5t has to adopt & implem5t any ( ! types ( l& use policies describ$ 9 p>agraph 7#b72 & 7,c7 any ways 9 :i* ! jurisdiction s]v$ by ! recipi5t expects ! plann$ adoption ( any ( ! types ( l& use policies describ$ 9 p>agraph 7#b7 w\ld b5efit ! jurisdiction4 7#b7 ,types ( l& use policies ,! types ( policies to be consid]$ = ! purposes ( ! submission ( in=mation requir$ "u p>agraph 7#a7 include ! foll[+3 7,a7 ,exp&+ by-"r multifamily zon$ areas4 7,b7 ,all[+ duplexes1 triplexes1 or f\rplexes 9 areas zon$ prim>ily = s+le-family resid5tial homes4 7,c7 ,all[+ manufactur$ homes 9 areas zon$ prim>ily = s+le-family resid5tial homes4 7,d7 ,all[+ multifamily developm5t 9 retail1 (fice1 & light manufactur+ zones4 7,e7 ,all[+ s+le-room occupancy developm5t :]ev] multifamily h\s+ is all[$4 7,f7 ,r$uc+ m9imum lot size4 7,g7 ,ensur+ hi/oric pres]vation requirem5ts & o!r l& use policies or requirem5ts are coord9at$ to enc\rage creation ( h\s+ 9 hi/oric build+s & hi/oric di/ricts4 7,h7 ,increas+ ! all[able floor area ratio by all[+ a high] ratio ( total floor area 9 a build+ 9 comp>ison to its lot size4 7,i7 ,creat+ transit-ori5t$ developm5t zones4 7,j7 ,/reaml9+ or %ort5+ p]mitt+ processes & timel9es1 includ+ ?r\gh "o-/op & p>allel-process p]mitt+4 7,k7 ,elim9at+ or r$uc+ (f-/reet p>k+ requirem5ts4 7,l7 ,ensur+ impact & utility inve/m5t fees accurately reflect requir$ infra/ructure ne$s & relat$ impacts on h\s+ af=dability are o!rwise mitigat$4 7,m7 ,all[+ (f-site con/ruction1 includ+ prefabricat$ con/ruction4 7,n7 ,r$uc+ or elim9at+ m9imum unit squ>e footage requirem5ts4 7,o7 ,all[+ ! conv]sion ( (fice units to ap>tm5ts4 7,p7 ,all[+ ! subdivision ( s+le-family homes into duplexes4 7,q7 ,all[+ accessory dwell+ units1 includ+ deta*$ accessory dwell+ units1 on all lots ) s+le-family homes4 7,r7 ,e/abli%+ d5sity bonuses4 7,s7 ,elim9at+ or relax+ resid5tial prop]ty height limitations4 7,t7 ,us+ prop]ty tax abatem5ts to enable high] d5sity & mix$-income communities4 7,u7 ,donat+ vacant l& = af=dable h\s+ developm5t4 7,v7 ,enact+ o!r relevant high-d5sity s+le-family & multifamily zon+ policies t ! recipi5t *ooses to report4 7#c7 ,effect ( submission ,a submission "u ?is subsection %all n be b9d+ ) respect to ! use or di/ribution ( am\nts receiv$ "u section #ajf4 7#d7 ,acceptance or nonacceptance ( plan ,! acceptance or nonacceptance ( any plan submitt$ "u ?is subsection 9 :i* ! in=mation requir$ "u ?is subsection is provid$ may n be consid]$ an endorsem5t or approval ( ! plan1 policies1 or me?odologies1 or lack !re(4 7#e7 ,prohibition on use ( in=mation = en=cem5t ,in=mation provid$ by a recipi5t to ! ,secret>y "u ?is subsection may n be us$ z ! basis = any en=cem5t action4 4 7b7 ,addition ( af=dable h\s+ con/ruction z an eligible activity 7#a7 ,eligible activity ,section #aje7;a7 ( ! ,h\s+ & ,community ,developm5t ,act ( #aigd 7#db ,u4,s4,c4 #ecje7;a77 is am5d$-- 7,a7 9 p>agraph 7#be77;,d71 by /rik+ & at ! end2 7,b7 9 p>agraph 7#bf71 by /rik+ ! p]iod at ! end & ins]t+ 2 &2 & 7,c7 by add+ at ! end ! foll[+ new p>agraph3 7#bg7 ! new con/ruction ( af=dable h\s+1 )9 ! mean+ giv5 su* t]m "u section #bae ( ! ,cran/on-,gonzalez ,national ,af=dable ,h\s+ ,act 7#db ,u4,s4,c4 #abgde74 4 7#b7 ,l[ & mod]ate income requirem5t ,section #aje7;c77#c7 ( ! ,h\s+ & ,community ,developm5t ,act ( #aigd 7#db ,u4,s4,c4 #ecje7;c77#c77 is am5d$ by /rik+ or rehabilitation & ins]t+ 1 rehabilitation1 or new con/ruction4 7#c7 ,applicability ,! am5dm5ts made by ?is subsection %all apply ) respect only to am\nts appropriat$ aft] ! date ( ! enactm5t ( ?is ,act4 7c7 ,databases ( publicly own$ l& 7#a7 ,9 g5]al ,section #ajd7;b7 ( ! ,h\s+ & ,community ,developm5t ,act ( #aigd 7#db ,u4,s4,c4 #ecjd7;b77 is am5d$-- 7,a7 9 p>agraph 7#e71 by /rik+ & at ! end2 7,b7 9 p>agraph 7#f71 by /rik+ ! p]iod at ! end & ins]t+ 2 &2 & 7,c7 by add+ at ! end ! foll[+3 7#g7 ! grantee ma9ta9s1 on a publicly accessible website1 a se>*able database t id5tifies all p>cels ( undevelop$ l& own$ by ! grantee4 4 7#b7 ,effective date ,! am5dm5ts made by ?is subsection %all take effect on ,octob] #a1 #bjbf4 #bjc4 ,plann+ & implem5tation grants = af=dable h\s+ 7a7 ,plann+ grants ,n lat] ?an #a ye> aft] ! date ( ! enactm5t if ?is section1 ! ,secret>y ( ,h\s+ & ,urban ,developm5t %all1 us+ selection crit]ia det]m9$ by ! ,secret>y1 aw>d grants on a competitive basis to regional plann+ ag5cies or consortia to use to assi/ plann+ activities ) respect to af=dable h\s+1 includ+-- 7#a7 ! developm5t ( h\s+ plans2 7#b7 ! sub/antial improvem5t ( ,/ate or local h\s+ /rategies2 7#c7 ! developm5t ( new regulatory requirem5ts & processes2 7#d7 ! re=m+ ( zon+ codes2 7#e7 increas+ ! capacity to conduct h\s+ inspections2 7#f7 increas+ ! capacity to r$uce b>ri]s to h\s+ supply ela/icity & h\s+ af=dability2 7#g7 ! developm5t ( local or regional plans = community developm5t2 & 7#h7 ! sub/antial improvem5t ( community developm5t /rategies1 includ+ /rategies design$ to-- 7,a7 increase ! availability ( af=dable h\s+ & access to af=dable h\s+2 7,b7 increase access to public transportation2 & 7,c7 advance su/a9able or location-effici5t community developm5t goals4 7b7 ,implem5tation & livable community inve/m5t grants 7#a7 ,9 g5]al ,n lat] ?an #a ye> aft] ! date ( ! enactm5t if ?is section1 ! ,secret>y %all aw>d implem5tation grants on a competitive basis to eligible entities to use to-- 7,a7 implem5t & adm9i/] h\s+ /rategies & h\s+ plans2 7,b7 fund any community inve/m5ts t support goals id5tifi$ 9 a h\s+ /rategy or h\s+ plan2 7,c7 implem5t & adm9i/] regulatory requirem5ts & processes ) respect to re=m$ zon+ codes2 7,d7 increase ! capacity to conduct h\s+ inspections2 7,e7 increase ! capacity to r$uce b>ri]s to h\s+ supply ela/icity & h\s+ af=dability2 7,f7 implem5t & adm9i/] local or regional plans = community developm5t2 & 7,g7 fund any plann+ to increase-- 7i7 ! availability ( af=dable h\s+ & access to af=dable h\s+2 7ii7 access to public transportation2 & 7iii7 any location-effici5t community developm5t goals4 7#b7 ,def9itions ,9 ?is subsection3 7,a7 ,eligible entity ,! t]m eligible entity means a ,/ate1 insul> area1 metropolitan city1 or urban c\nty1 z su* t]ms are def9$ 9 section #ajb ( ! ,h\s+ & ,community ,developm5t ,act ( #aigd4 7,b7 ,h\s+ plan ,! t]m h\s+ plan means a plan to1 ) respect to an area )9 ! jurisdiction ( an eligible entity-- 7i7 increase ! am\nt ( available h\s+ to meet ! dem& = su* h\s+ & any project$ increase 9 ! dem& = su* h\s+2 7ii7 increase ! af=dability ( h\s+2 7iii7 increase ! accessibility ( h\s+ = p ) disabilities1 includ+ location-effici5t h\s+2 7iv7 pres]ve or improve ! quality ( h\s+2 7v7 r$uce b>ri]s to h\s+ developm5t2 & 7vi7 coord9ate ) transportation-relat$ ag5cies4 7,c7 ,h\s+ /rategy ,! t]m h\s+ /rategy means a h\s+ /rategy requir$ "u section #aje ( ! ,cran/on-,gonzalez ,national ,af=dable ,h\s+ ,act4 7c7 ,coord9ation ,to ! ext5t practicable1 ! ,secret>y %all coord9ate ) ! ,f$]al ,transit ,adm9i/rator 9 c>ry+ out ?is section4 7d7 ,use = adm9i/rative co/s ,any entity t receives a grant "u ?is section may n use m ?an #ae p]c5t ( su* grant am\nts = adm9i/rative co/s4 7e7 ,rules ( con/ruction 7#a7 ,9 g5]al ,except z o!rwise provid$ by ?is section1 am\nts appropriat$ or o!rwise made available "u ?is section %all be subject to ! community developm5t block grant program requirem5ts "u subsection 7a77#a74 7#b7 ,exceptions 7,a7 ,h\s+ con/ruction ,exp5ditures on new con/ruction ( h\s+ %all be an eligible exp5se "u ?is section4 7,b7 ,build+s = g5]al conduct ( gov]nm5t ,exp5ditures on build+ = ! g5]al conduct ( gov]nm5t1 o!r ?an ! ,f$]al ,gov]nm5t1 %all be eligible "u ?is section :5 necess>y & appropriate z a "p ( a natural haz>d mitigation project4 #bjd4 ,rural h\s+ s]vice program improvem5ts 7a7 ,9 g5]al ,section #ejd7;a7 ( ! ,h\s+ ,act ( #aidi 7#db ,u4,s4,c4 #adgd7;a77 is am5d$-- 7#a7 9 ! fir/ s5t5ce1 by ins]t+ & may make a loan to an eligible l[-income applicant aft] applicant2 7#b7 by ins]t+ ,n less ?an #fj p]c5t ( loan funds made available "u ?is section %all be res]v$ & made available = v l[-income applicants4 aft] ! fir/ s5t5ce2 & 7#c7 by /rik+ #g1ejj & ins]t+ #ae1jjj4 7b7 ,annual report on rural h\s+ programs ,title ,v ( ! ,h\s+ ,act ( #aidi 7#db ,u4,s4,c4 #adga et seq471 z am5d$ by ?is section1 is am5d$ by add+ at ! end ! foll[+3 #ede4 ,annual report 7a7 ,9 g5]al ,! ,secret>y %all submit to ! ,committee on ,f9ancial ,s]vices ( ! ,h\se ( ,repres5tatives & ! ,committee on ,bank+1 ,h\s+1 & ,urban ,affairs ( ! ,s5ate & publi% on a website ( ! ,dep>tm5t ( ,agriculture an annual report on ! rural h\s+ programs c>ri$ out "u ?is title4 7b7 ,cont5ts ,! report requir$ "u subsection 7a7 %all include %all include significant details on ! in=mation ab\t ! heal? ( ! programs c>ri$ out by ! ,rural ,h\s+ ,s]vice1 includ+-- 7#a7 raw data ab\t loan p]=mance t c be sort$ by program & region2 7#b7 a description ( ! h\s+ /ock ( su* programs2 7#c7 in=mation ab\t :y prop]ties end p>ticipation 9 su* programs1 includ+ maturation prepaym5t1 =eclosure1 or o!r s]vic+ issues2 & 7#d7 risk rat+s = prop]ties assi/$ "u su* programs4 7c7 ,protection ( in=mation ,data includ$ 9 a report requir$ "u subsection 7a7 may be aggregat$ or anonymiz$ to protect ! f9ancial in=mation & p]sonal in=mation ( program p>ticipants4 4 7c7 ,application review 7#a7 ,s5se ( ,congress ,x is ! s5se ( ! ,congress1 n lat] ?an #ij days aft] ! date on :i* ! ,secret>y ( ,agriculture receives an application = a loan1 grant or comb9$ loan & grant "u section #ejb or #ejd ( ! ,h\s+ ,act ( #aidi 7#db ,u4,s4,c4 #adgb1 #adgd71 ! ,secret>y ( ,agriculture %\ld-- 7,a7 review ! application2 7,b7 complete ! und]writ+2 7,c7 make a det]m9ation ( eligibility ) respect to ! application2 & 7,d7 notify ! applicant ( det]m9ation4 7#b7 ,report 7,a7 ,9 g5]al ,n lat] ?an #ij days aft] ! date ( enactm5t ( ?is ,act1 & annually !reaft] until ! date describ$ 9 subp>agraph 7,b71 ! ,secret>y ( ,agriculture %all submit to ! ,committee on ,bank+1 ,h\s+1 & ,urban ,affairs ( ! ,s5ate & ! ,committee on ,f9ancial ,s]vices ( ! ,h\se ( ,repres5tatives a report t-- 7i7 details ! timel9ess ( eligibility det]m9ations & f9al det]m9ations ) respect to applications "u section #ejb & #ejd ( ! ,h\s+ ,act ( #aidi 7#db ,u4,s4,c4 #adgb1 #adgd71 includ+ ju/ifications = any eligibility det]m9ations tak+ long] ?an #ij days2 & 7ii7 includes recomm5dations to %ort5 ! timel9e = notifications ( eligibility det]m9ations describ$ 9 subp>agraph 7,a7 to n m ?an #ij days4 7,b7 ,date describ$ ,! date describ$ 9 ?is p>agraph is ! date on :i*1 dur+ ! prec$+ #e-ye> p]iod1 ! ,secret>y ( ,agriculture provides ea* eligibility det]m9ation describ$ 9 subp>agraph 7,a7 dur+ ! #ij-;day p]iod beg9n+ on ! date on :i* ea* application is receiv$4 7d7 ,,gao report on ,rural ,h\s+ ,s]vice te*nology ,n lat] ?an #a ye> aft] ! date ( enactm5t ( ?is ,act1 ! ,comptroll] ,g5]al ( ! ,unit$ ,/ates %all submit to ! ,congress a report t includes-- 7#a7 an analysis ( h[ ! outdat$ te*nology us$ by ! ,rural ,h\s+ ,s]vice impacts p>ticipants 9 ! programs ( ! ,rural ,h\s+ ,s]vice2 7#b7 an e/imate ( ! am\nt ( fund+ t is ne$$ to mod]nize ! te*nology us$ by ! ,rural ,h\s+ ,s]vice2 & 7#c7 an e/imate ( ! numb] & type ( new employees ! ,rural ,h\s+ ,s]vice ne$s to mod]nize ! te*nology us$ by ! ,rural ,h\s+ ,s]vice4 #bje4 ,*oice 9 ,af=dable ,h\s+ 7a7 ,pre-,approval ( units ,section #h7o77#h77;,a7 ( ! ,unit$ ,/ates ,h\s+ ,act ( #aicg 7#db ,u4,s4,c4 #adcg;f7o77#h77;,a77 is am5d$ by add+ at ! end ! foll[+3 7iv7 ,initial inspection prior to lease agreem5t 7,i7 ,def9ition ,9 ?is clause1 ! t]m new l&lord means an own] ( a dwell+ unit :o has n previ\sly ent]$ into a h\s+ assi/ance paym5t contract ) a public h\s+ ag5cy "u ?is subsection = any dwell+ unit4 7,,ii7 ,e>ly inspection ,^u ! reque/ ( a new l&lord1 a public h\s+ ag5cy may inspect ! dwell+ unit own$ by ! new l&lord to det]m9e :e!r ! unit meets ! h\s+ quality /&>ds "u subp>agraph 7,b7 be=e ! unit is select$ by a family assi/$ "u ?is subsection4 7,,iii7 ,effect ,an inspection conduct$ "u subclause 7,,ii7 t det]m9es t ! dwell+ unit meets ! h\s+ quality /&>ds "u subp>agraph 7,b7 %all satisfy ! requirem5ts 9 ?is subp>agraph & subp>agraph 7,c7 if ! new l&lord ent]s into a lease agreem5t ) a family assi/$ "u ?is subsection n lat] ?an #fj days aft] ! date ( ! inspection4 7,,iv7 ,in=mation :5 family is select$ ,:5 a public h\s+ ag5cy selects a family to p>ticipate 9 ! t5ant-bas$ assi/ance program "u ?is subsection1 ! public h\s+ ag5cy %all include 9 ! in=mation provid$ to ! family a li/ ( dwell+ units t h be5 inspect$ "u subclause 7,,ii7 & det]m9$ to meet ! h\s+ quality /&>ds "u subp>agraph 7,b74 4 7b7 ,satisfaction ( inspection requirem5ts ?r\gh p>ticipation 9 o!r h\s+ programs ,section #h7o77#h7 ( ! ,unit$ ,/ates ,h\s+ ,act ( #aicg 7#db ,u4,s4,c4 #adcg;f7o77#h77 is am5d$ by add+ at ! end ! foll[+3 7,i7 ,satisfaction ( inspection requirem5ts ?r\gh p>ticipation 9 o!r h\s+ programs 7i7 ,l[-income h\s+ tax cr$it-f9anc$ build+s ,a dwell+ unit %all be deem$ to meet ! inspection requirem5ts "u ?is p>agraph if-- 7,i7 ! dwell+ unit is 9 a build+1 ! acquisition1 rehabilitation1 or con/ruction ( :i* 0 f9anc$ by a p]son :o receiv$ a l[-income h\s+ tax cr$it "u section #db ( ! ,int]nal ,rev5ue ,code ( #aihf 9 ex*ange = t f9anc+2 7,,ii7 ! dwell+ unit 0 physically inspect$ & pass$ inspection z "p ( ! l[-income h\s+ tax cr$it program describ$ 9 subclause 7,i7 dur+ ! prec$+ #ab-mon? p]iod2 & 7,,iii7 ! applicable public h\s+ ag5cy is able to obta9 ! results ( ! inspection describ$ 9 subclause 7,,ii74 7ii7 ,home inve/m5t p>tn]%ips program ,a dwell+ %all be deem$ to meet ! inspection requirem5ts "u ?is p>agraph if-- 7,i7 ! dwell+ unit is assi/$ "u ! ,,home ,inve/m5t ,p>tn]%ips ,program "u title ,,ii ( ! ,cran/on-,gonzalez ,national ,af=dable ,h\s+ ,act2 7,,ii7 ! dwell+ unit 0 physically inspect$ & pass$ inspection z "p ( ! program describ$ 9 subclause 7,i7 dur+ ! prec$+ #ab-mon? p]iod2 & 7,,iii7 ! applicable public h\s+ ag5cy is able to obta9 ! results ( ! inspection describ$ 9 subclause 7,,ii74 7iii7 ,rural ,h\s+ ,s]vice ,a dwell+ unit %all be deem$ to meet ! inspection requirem5ts "u ?is p>agraph if-- 7,i7 ! dwell+ unit is assi/$ by ! ,rural ,h\s+ ,s]vice ( ! ,dep>tm5t ( ,agriculture2 7,,ii7 ! dwell+ unit 0 physically inspect$ & pass$ inspection 9 connection ) ! assi/ance describ$ 9 subclause 7,i7 dur+ ! prec$+ #ab-mon? p]iod2 & 7,,iii7 ! applicable public h\s+ ag5cy is able to obta9 ! results ( ! inspection describ$ 9 subclause 7,,ii74 7iv7 ,remote or video inspections ,:5 comply+ ) inspection requirem5ts = a h\s+ unit locat$ 9 a rural or small area us+ assi/ance "u ?is subtitle1 ! ,secret>y may all[ a grantee to conduct a remote or video inspection ( a unit provid$ t ! remote or video inspection-- 7,i7 cov]s a sub/antially simil> review ( ! relevant aspects ( ! unit comp>$ to an 9-p]son inspection2 7,,ii7 does n misrepres5t ! condition ( ! unit2 & 7,,iii7 provides ! in=mation necess>y to fully & accurately evaluate ! conditions ( ! unit to ensure t ! unit meets ! applicable /&>ds4 7v7 ,rule ( con/ruction ,no?+ 9 clause 7i71 7ii71 7iii71 or 7iv7 may be con/ru$ to affect ! op]ation ( a h\s+ program describ$ 91 or au?oriz$ "u a provision ( law describ$ 91 t clause4 4 ,,iii ,exp&+ ,manufactur$ & ,af=dable ,h\s+ ,f9ance ,opportunities #cja4 ,manufactur$ ,h\s+ ,innovations 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 ,/&>ds = manufactur$ homes built )\t a p]man5t *assis ,section #fjd7;a7 ( ! ,national ,manufactur$ ,h\s+ ,con/ruction & ,safety ,/&>ds ,act ( #aigd 7#db ,u4,s4,c4 #edjc7 is am5d$ by add+ at ! end ! foll[+3 7#g7 ,/&>ds = manufactur$ homes built )\t a p]man5t *assis 7,a7 ,9 g5]al ,! ,secret>y %all issue revis$ /&>ds = manufactur$ homes built )\t a p]man5t *assis & %all consult ) ! cons5sus committee 9 ! developm5t ( su* revis$ /&>ds1 us+ ! process describ$ 9 p>agraph 7#d74 7,b7 ,creat+ f9al /&>ds ,! ,secret>y %all1 aft] consult+ & conf]r+ ) ! cons5sus committee1 e/abli% /&>ds to include manufactur$ homes )\t a p]man5t *assis h-- 7i7 a di/9ct label to be issu$ by ! ,secret>y di/+ui%+ manufactur$ homes built )\t a p]man5t *assis f manufactur$ homes built on a p]man5t *assis2 7ii7 a data plate1 z describ$ 9 section #cbhj4e ( title #bd1 ,code ( ,f$]al ,regulations1 di/+ui%+ manufactur$ homes built )\t a p]man5t *assis f manufactur$ homes built on a p]man5t *assis2 & 7iii7 a notation on any invoice produc$ by ! manufactur] ( a manufactur$ home t is di/+ui%able f ! invoice = a manufactur$ home con/ruct$ ) a p]man5t *assis4 4 7c7 ,manufactur$ home /&>ds & 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 /&>ds & 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 ( ?is subsection1 a ,/ate %all submit to ! ,secret>y an initial c]tification t ! laws & regulations ( ! ,/ate-- 7i7 treat a manufactur$ home )\t a *assis 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/allation1 & o!r areas z ! ,secret>y det]m9es1 aft] consultation ) & approval by ! cons5sus committee1 are necess>y to give effect to ! purpose ( ?is section4 7,b7 ,/ate plan submission ,any ,/ate plan submitt$ "u subp>agraph 7,c7 %all conta9 ! requir$ ,/ate c]tification "u subp>agraph 7,a7 or p>agraph 7#c7 &1 if conta9$ !re91 no additional or ,/ate c]tification "u subp>agraph 7,a7 or p>agraph 7#c74 7,c7 ,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 ( ?is subsection4 7,d7 ,late c]tification 7i7 ,no waiv] ,! ,secret>y may n waive ! prohibition describ$ 9 p>agraph 7#e77;,b7 ) respect to a c]tification submitt$ aft] ! deadl9e "u subp>agraph 7,a7 or p>agraph 7#c7 unless ! ,secret>y approves ! late c]tification4 7ii7 ,rule ( con/ruction ,no?+ 9 ?is subsection %all be con/ru$ to prev5t a ,/ate f submitt+ ! initial c]tification requir$ "u subp>agraph 7,a7 aft] ! requir$ deadl9e "u t subp>agraph4 7#b7 ,=m ( ,/ate c]tification n pres5t$ 9 a ,/ate plan ,! initial c]tification requir$ "u p>agraph 7#a77;,a71 if n submitt$ ) a ,/ate plan "u p>agraph 7#a77;,b71 %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 & regulations ( ! ,/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 a ,/ate %all submit to ! ,secret>y an additional c]tification t-- 7,a7 confirms ! accuracy ( ! initial c]tification submitt$ "u subp>agraph 7,a7 or 7,b7 ( p>agraph 7#a72 & 7,b7 c]tifies t any new laws or regulations enact$ or adopt$ by ! ,/ate s9ce ! date ( ! previ\s c]tification d 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>agraph1 ! 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 ( ?is subsection4 7,b7 ,build+1 in/allation1 & sale ,if a ,/ate does n submit a c]tification "u p>agraph 7#a77;,a7 or p>agraph 7#c7 by ! date on :i* ^? c]tifications are requir$ to be submitt$-- 7i7 ) respect to a ,/ate 9 :i* ! ,/ate adm9i/]s ! in/allation ( manufactur$ homes1 ! ,/ate %all prohibit ! manufacture1 in/allation1 or sale ( a cov]$ manufactur$ home )9 ! ,/ate2 & 7ii7 ) 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 7d7 ,o!r ,f$]al laws regulat+ manufactur$ homes ,! ,secret>y ( ,h\s+ & ,urban ,developm5t may 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 #fjc ( ! ,national ,manufactur$ ,h\s+ ,con/ruction & ,safety ,/&>ds ,act ( #aigd 7#db ,u4,s4,c4 #edjb71 z am5d$ by ?is ,act74 7e7 ,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 7f7 ,preemption ,no?+ 9 ?is section or ! am5dm5ts made by ?is section may be con/ru$ z limit+ ! scope ( ,f$]al preemption "u section #fjd7;d7 ( ! ,national ,manufactur$ ,h\s+ ,con/ruction & ,safety ,/&>ds ,act ( #aigd 7#db ,u4,s4,c4 #edjc7;d774 7g7 ,prim>y au?ority ,to e/abli% manufactur$ home con/ruction & safety /&>ds ,! ,national ,manufactur$ ,h\s+ ,con/ruction & ,safety ,/&>ds ,act ( #aigd 7#db ,u4,s4,c4 #edja et seq47 is fur!r am5d$-- 7#a7 9 section #fjc7g71 by ins]t+ en]gy effici5cy1 aft] design12 & 7#b7 9 section #fjd1 by add+ at ! end ! foll[+3 7j7 ,prim>y au?ority ,to e/abli% /&>ds 7#a7 ,9 g5]al ,! ,secret>y %all h ! prim>y au?ority to e/abli% ,f$]al manufactur$ home con/ruction & safety /&>ds4 7#b7 ,approval f ,secret>y 7,a7 ,9 g5]al ,! head ( any ,f$]al ag5cy t seeks to e/abli% a manufactur$ home con/ruction & safety /&>d on or aft] ! date ( ! enactm5t ( ?is subsection-- 7i7 %all submit to ! ,secret>y a proposal describ+ su* /&>d2 & 7ii7 may n e/abli% su* /&>d )\t approval f ! ,secret>y4 7,b7 ,rejection ( /&>ds ,! ,secret>y %all reject a /&>d submitt$ to ! ,secret>y = approval "u subp>agraph 7,a7-- 7i7 if ! /&>d w\ld significantly increase ! co/ ( produc+ manufactur$ homes1 z det]m9$ by ! ,secret>y2 7ii7 if ! /&>d w\ld conflict ) exi/+ manufactur$ home con/ruction & safety /&>ds e/abli%$ by ! ,secret>y2 or 7iii7 = any o!r reason z det]m9$ appropriate by ! ,secret>y4 7,c7 ,rule ( con/ruction ,no?+ 9 ?is subsection may be con/ru$ to require ! ,secret>y to e/abli% new or revis$ ,f$]al manufactur$ home con/ruction & safety /&>ds4 4 #cjb4 ,,fha small-doll> mortgages /udy 7a7 ,9 g5]al ,n lat] ?an #a ye> aft] ! date ( ! enactm5t ( ?is section1 ! ,secret>y ( ,h\s+ & ,urban ,developm5t %all submit to ! ,committee on ,bank+1 ,h\s+1 & ,urban ,affairs ( ! ,s5ate & ! ,committee on ,f9ancial ,s]vices ( ! ,h\se ( ,repres5tatives a report ab\t small-doll> mortgages t-- 7#a7 provides a proposal = a pilot program1 to la/ n long] ?an #d ye>s1 to increase access = individuals to small-doll> mortgages insur$ or gu>ante$ by ! ,secret>y "u title ,,ii ( ! ,national ,h\s+ ,act to be e/abli%$ by ! ,f$]al ,h\s+ ,adm9i/ration t may include-- 7,a7 au?oriz+ direct paym5ts to l5d]s to inc5tivize ! orig9ation ( small-doll> mortgages2 7,b7 adju/m5ts to ! t]ms & co/s ! ,f$]al ,h\s+ ,adm9i/ration requires ) respect to su* small-doll> mortgages2 7,c7 provid+ direct grants = mortgagors obta9+ su* small-doll> mortgages to cov] co/s associat$ )-- 7i7 d[n paym5ts2 7ii7 clos+ co/s2 7iii7 appraisals2 & 7iv7 title insurance2 & 7,d7 te*nical assi/ance = l5d]s & f9ancial in/itutions t orig9ate su* small-doll> mortgages & outrea* to borr[]s ab\t ! availability ( su* small-doll> mortgages2 7#b7 provides a detail$ analysis & projections ab\t-- 7,a7 a me?odology = track+ & evaluat+ ! outcomes ( small-doll> mortgages insur$ or gu>ante$ by ! ,secret>y "u title ,,ii ( ! ,national ,h\s+ ,act to :i* access is provid$ ?r\gh ! pilot program1 includ+ ! f9ancial impact ( su* loans on ! economic /atus ( ! mortgagors associat$ ) su* small-doll> mortgages2 7,b7 pot5tial risks ( pilot program to ! solv5cy ( ! ,mutual ,mortgage ,insurance ,fund2 7,c7 ! am\nt ( appropriations requir$ to cov] ! co/s associat$ ) insur+1 gu>antee+1 & modify+ small-doll> mortgages ov] ! l5g? ( ! pilot program2 & 7,d7 ! am\nt ( appropriations necess>y = ! ,secret>y to adm9i/] & ov]see ! pilot program1 includ+ am\nts to be us$ = in=mation te*nology1 f9ancial report+1 rese>* & evaluations1 fair h\s+ & fair l5d+ compliance1 audits1 & = su* o!r activities ! ,secret>y det]m9es necess>y to increase access to small-doll> mortgages2 & 7#c7 includes data & analysis relat+ to small-doll> mortgages1 includ+-- 7,a7 ! numb] ( small-doll> mortgages orig9at$ 9 ! #aj-ye> p]iod prec$+ ! date ( ! enactm5t ( ?is section1 includ+ small-doll> mortgages insur$ or gu>ante$ by ! ,f$]al ,gov]nm5t & small-doll> mortgages n insur$ by ! ,f$]al ,gov]nm5t2 7,b7 ! orig9al pr9cipal balance ( ea* small-doll> mortgage id5tifi$ "u subp>agraph 7,a72 7,c7 demographic in=mation ab\t ! mortgagors associat$ ) ea* su* small-doll> mortgages2 7,d7 ! numb] ( f9ancial in/itutions t (f] small-doll> mortgages2 7,e7 a description ( ! fix$ co/s t are associat$ ) mortgages & ! impact ( su* co/s on ! ability ( l5d]s to e>n a m>ket rate return on small-doll> mortgages2 & 7,f7 analysis by regions ( ! ,unit$ ,/ates1 includ+ rural regions1 t id5tifies regions ) ! greate/ ne$ =1 & ! highe/ likelihood (1 ! orig9ation ( small-doll> mortgages & regions t c\ld b5efit ! mo/ f increas$ availability ( small-doll> mortgages4 7b7 ,def9itions ,9 ?is section3 7#a7 ,small-doll> mortgage def9$ ,! t]m small-doll> mortgage means a mortgage t-- 7,a7 has an orig9al pr9cipal balance ( #ajj1jjj or less2 & 7,b7 is secur$ by a #a- to #d-unit prop]ty t is ! pr9cipal resid5ce ( ! mortgagor4 7#b7 ,secret>y ,! t]m ,secret>y means ! ,secret>y ( ,h\s+ & ,urban ,developm5t4 ,,iv ,protect+ ,borr[]s & ,assi/$ ,families #dja4 ,exclusion ( c]ta9 disability b5efits 7a7 ,9 g5]al ,section #c7;b77#d77;,b7 ( ! ,unit$ ,/ates ,h\s+ ,act ( #aicg 7#db ,u4,s4,c4 #adcg;a7b77#d77;,b77 is am5d$-- 7#a7 by r$esignat+ clauses 7iv7 & 7v7 z clauses 7vi7 & 7vii71 respectively2 & 7#b7 by ins]t+ aft] clause 7iii7 ! foll[+3 7iv7 ) respect to ! support$ h\s+ program "u section #h7o77#ai71 any disability b5efits receiv$ "u *apt] #aa or *apt] #ae ( title #ch1 ,unit$ ,/ates ,code1 receiv$ by a vet]an1 except t ?is exclusion may n apply to ! def9ition ( adju/$ income2 7v7 ) respect to any h\sehold receiv+ r5tal assi/ance "u ! support$ h\s+ program "u section #h7o77#ai7 z x relates to eligibility = o!r types ( h\s+ assi/ance1 any disability b5efits receiv$ "u *apt] #aa or *apt] #ae ( title #ch1 ,unit$ ,/ates ,code1 receiv$ by a vet]an1 except t ?is exclusion may n apply to ! def9ition ( adju/$ income2 4 7b7 ,s]vice-,connect$ disability comp5sation ,section #ajb7;a77#bj7 ( ! ,h\s+ & ,community ,developm5t ,act ( #aigd 7#db ,u4,s4,c4 #ecjb7;a77#bj77 is am5d$ by add+ at ! end ! foll[+3 7,c7 ,s]vice-connect$ disability comp5sation ,:5 det]m9+ :e!r a p]son is a p]son ( l[ & mod]ate income1 a p]son ( l[ income1 or a p]son ( mod]ate income "u ?is p>agraph1 a ,/ate1 unit ( g5]al local gov]nm5t1 or ,indian tribe %all exclude any s]vice-connect$ disability comp5sation receiv$ by su* p]son f ! ,dep>tm5t ( ,vet]ans ,affairs4 4 7c7 ,treatm5t ( c]ta9 disability b5efits ,:5 det]m9+ ! eligibility ( a vet]an to r5t a resid5tial dwell+ unit con/ruct$ on ,dep>tm5t prop]ty on or aft] ! date ( ! enactm5t ( ?is ,act1 = :i* assi/ance is provid$ z "p ( a h\s+ assi/ance program adm9i/]$ by ! ,secret>y ( ,h\s+ & ,urban ,developm5t & n yet 9 exi/5ce at ! "t ( ! enactm5t ( ?is section1 ! ,secret>y %all exclude f income any disability b5efits receiv$ "u *apt] #aa or *apt] #ae ( title #ch1 ,unit$ ,/ates ,code1 by su* p]son4 7d7 ,report ,! ,comptroll] ,g5]al ( ! ,unit$ ,/ates %all1 n lat] ?an #a ye> aft] ! date ( ! enactm5t ( ?is ,act1 submit to ! ,congress a report t-- 7#a7 exam9es h[ s]vice-connect$ disability comp5sation is treat$ = ! purposes ( det]m9+ eligibility = all programs adm9i/]$ by ! ,secret>y ( ,h\s+ & ,urban ,developm5t2 7#b7 id5tifies any in/ances :]e s]vice-connect$ disability comp5sation is treat$ 9 a mann] inconsi/5t ) ! am5dm5ts made by subsections 7a7 & 7b72 & 7#c7 ) respect to ea* program adm9i/]$ by ! ,secret>y ( ,h\s+ & ,urban ,developm5t 9 :i* s]vice-connect$ disability comp5sation is treat$ inconsi/5tly1 provides legislative recomm5dations relat+ to h[ su* program c\ld bett] s]ve vet]an populations1 & "u-s]v$ communities4 7e7 ,def9itions ,9 ?is section3 7#a7 ,secret>y ,! t]m ,secret>y means ! ,secret>y ( ,h\s+ & ,urban ,developm5t4 7#b7 ,dep>tm5t prop]ty ,! t]m ,dep>tm5t prop]ty has ! mean+ giv5 ! t]m 9 section #ija ( title #ch1 ,unit$ ,/ates ,code4 #djb4 ,milit>y s]vice "q 7a7 ,9 g5]al ,subp>t ,a ( "p #b ( ! ,f$]al ,h\s+ ,ent]prises ,f9ancial ,safety & ,s\ndness ,act ( #aiib 7#ab ,u4,s4,c4 #deda et seq47 is am5d$ by add+ at ! end ! foll[+3 #acbi4 ,uni=m resid5tial loan application ,n lat] ?an #f mon?s aft] ! date ( enactm5t ( ?is section1 ! ,director %all1 by regulation or ord]1 require ea* ent]prise to include a disclaim] bel[ ! milit>y s]vice "q on ! =m kn[n z ! ,uni=m ,resid5tial ,loan ,application /at+1 ,if yes1 y may qualify = a ,,va ,home ,loan4 ,consult y\r l5d] reg>d+ eligibility44 4 7b7 ,,gao /udy ,n lat] ?an #ah mon?s aft] ! date ( enactm5t ( ?is ,act1 ! ,comptroll] ,g5]al ( ! ,unit$ ,/ates %all conduct a /udy & submit to ! ,congress a report on :e!r or n less ?an #hj p]c5t ( l5d]s us+ ! ,uni=m ,resid5tial ,loan ,application h includ$ on t =m ! disclaim] requir$ "u section #acbi ( ! ,f$]al ,h\s+ ,ent]prises ,f9ancial ,safety & ,s\ndness ,act ( #aiib1 z add$ by subsection 7a74 #djc4 ,,hud-,,usda-,,va ,int]ag5cy ,coord9ation 7a7 ,memor&um ( und]/&+ ,n lat] ?an #ahj days aft] ! date ( enactm5t ( ?is ,act1 ! ,secret>y ( ,h\s+ & ,urban ,developm5t1 ! ,secret>y ( ,agriculture1 & ! ,secret>y ( ,vet]ans ,affairs %all e/abli% a memor&um ( und]/&+1 or o!r appropriate int]ag5cy agreem5t1 to %>e relevant h\s+-relat$ rese>* & m>ket data t facilitates evid5ce-bas$ policymak+4 7b7 ,int]ag5cy report 7#a7 ,report ,n lat] ?an #a ye> aft] ! date ( enactm5t ( ?is ,act1 ! ,secret>y ( ,h\s+ & ,urban ,developm5t1 ! ,secret>y ( ,agriculture1 & ! ,secret>y ( ,vet]ans ,affairs %all jo9tly submit to ! ,committee on ,bank+1 ,h\s+1 & ,urban ,affairs1 ! ,committee on ,agriculture1 ,nutrition1 & ,=e/ry1 & ! ,committee on ,vet]ans' ,affairs ( ! ,s5ate & ! ,committee on ,f9ancial ,s]vices1 ! ,committee on ,agriculture1 & ! ,committee on ,vet]ans' ,affairs ( ! ,h\se ( ,repres5tatives a report t describes opportunities = increas$ collaboration betwe5 ! ,secret>y ( ,h\s+ & ,urban ,developm5t1 ! ,secret>y ( ,agriculture1 & ! ,secret>y ( ,vet]ans ,affairs to improve effici5cies 9 h\s+ programs4 7#b7 ,publication ,! report requir$ "u p>agraph 7#a7 %all1 prior to submission1 be publi%$ 9 ! ,f$]al ,regi/] & op5 = comm5t = a p]iod ( #cj days4 #djd4 ,family self-suffici5cy escr[ expansion pilot program ,title ,i ( ! ( ! ,unit$ ,/ates ,h\s+ ,act ( #aicg 7#db ,u4,s4,c4 #adcg et seq47 is am5d$ by add+ at ! end ! foll[+3 #ci4 ,escr[ expansion pilot program 7a7 ,def9itions ,9 ?is section3 7#a7 ,cov]$ family ,! t]m cov]$ family means a family t-- 7,a7 receives assi/ance "u section #h or #i ( ?is ,act2 7,b7 is enroll$ 9 ! pilot program2 & 7,c7 has an adju/$ income t does n exce$ #hj p]c5t ( ! area m$ian income at ! "t ( enrollm5t 9 ! pilot program4 7#b7 ,eligible entity ,! t]m eligible entity means an entity describ$ 9 subsection 7c77#b7 ( section #bc4 7#c7 ,pilot program ,! t]m pilot program means ! pilot program e/abli%$ "u ?is section4 7#d7 ,welf>e assi/ance ,! t]m welf>e assi/ance has ! mean+ giv5 ! t]m 9 section #ihd4ajc ( title #bd1 ,code ( ,f$]al ,regulations1 or any successor regulation4 7b7 ,program e/abli%m5t ,! ,secret>y %all1 n lat] ?an #a ye> aft] ! date ( ! enactm5t ( ?is section1 e/abli% a pilot program "u :i* ! ,secret>y %all select n m ?an #be eligible entities to e/abli% & manage escr[ acc\nts = n m ?an #e1jjj cov]$ families1 9 accordance ) ?is subsection4 7c7 ,escr[ acc\nts 7#a7 ,9 g5]al ,an eligible entity select$ to p>ticipate 9 ! pilot program-- 7,a7 %all e/abli% an int]e/-be>+ escr[ acc\nt & place into ! acc\nt an am\nt equal to any increase 9 ! am\nt ( r5t paid by ea* cov]$ family 9 accordance ) ! provisions ( section #c1 #h7o71 or #h7y71 z applicable1 t is attributable to increases 9 e>n$ income by ! cov]$ families dur+ ! p>ticipation ( ea* cov]$ family 9 ! pilot program2 & 7,b7 not)/&+ any o!r provision ( law1 may use exi/+ funds x controls "u section #h or #i = purposes ( mak+ ! escr[ deposit = cov]$ families assi/$ "u1 or resid+ 9 units assi/$ "u1 section #h or #i1 respectively1 provid$ su* funds are (fset by ! increase 9 ! am\nt ( r5t paid by ! cov]$ family4 7#b7 ,)drawls ,a cov]$ family may )draw funds1 includ+ any int]e/ e>n$1 f an escr[ acc\nt e/abli%$ by an eligible entity "u ! pilot program = su* cov]$ family-- 7,a7 aft] ! cov]$ family ceases to receive welf>e assi/ance2 & 7,b7 7i7 n e>li] ?an ! date t is #e ye>s aft] ! date on :i* ! eligible entity e/abli%es ! escr[ acc\nt "u ?is subsection2 7ii7 n lat] ?an ! date t is #g ye>s aft] ! date on :i* ! eligible entity e/abli%es ! escr[ acc\nt "u ?is subsection1 if ! cov]$ family *ooses to cont9ue to p>ticipate 9 ! pilot program aft] ! date t is #e ye>s aft] ! date on :i* ! eligible entity e/abli%es ! escr[ acc\nt2 7iii7 on ! date ! cov]$ family ceases to receive h\s+ assi/ance "u section #h or #i1 if su* date is e>li] ?an #e ye>s aft] ! date on :i* ! eligible entity e/abli%es ! escr[ acc\nt2 7iv7 e>li] ?an #e ye>s aft] ! date on :i* ! eligible entity e/abli%es ! escr[ acc\nt1 if ! cov]$ family is us+ ! funds to advance a self-suffici5cy goal z approv$ by ! eligible entity2 or 7v7 "u o!r circum/ances 9 :i* ! ,secret>y det]m9es an exemption = good cause is w>rant$4 7#c7 ,int]im rec]tification ,= ! purposes ( ! pilot program e/abli%$ "u ?is section1 a cov]$ family %all rec]tify income n less ?an once ea* ye>4 7#d7 ,contract or plan ,a cov]$ family may n be requir$ by an eligible entity to complete a contract t requires ! p>ticipation ( ! cov]$ family 9 ! pilot program e/abli%$ "u ?is section or any individual tra9+ or s]vices plan z a condition = p>ticipat+ 9 ! pilot program4 7d7 ,effect ( increases 9 family income ,! am\nt equal to any increase 9 ! e>n$ income ( a cov]$ family f ! date ( enrollm5t ( ! cov]$ family 9 ! pilot program e/abli%$ "u ?is section ?r\gh ! date all funds are )drawn f ! escr[ acc\nt may n be consid]$ z income or a res\rce = purposes ( eligibility ( ! cov]$ family = o!r b5efits1 or am\nt ( b5efits payable to ! family1 "u any program adm9i/]$ by ! ,secret>y4 7e7 ,application 7#a7 ,9 g5]al ,an eligible entity seek+ to p>ticipate 9 ! pilot program %all submit to ! ,secret>y an application-- 7,a7 at su* "t1 9 su* mann]1 & conta9+ su* in=mation z ! ,secret>y may require by notice2 & 7,b7 t includes ! numb] ( cov]$ families to :i* ! eligible entity int5ds to provide escr[ acc\nts "u ?is subsection4 7#b7 ,geographic & entity v>iety ,! ,secret>y %all ensure t eligible entities select$ to p>ticipate 9 ! pilot program-- 7,a7 are locat$ across v>i\s ,/ates & 9 bo? urban & rural areas2 & 7,b7 v>y by size & type1 includ+ bo? public h\s+ ag5cies & private own]s ( projects receiv+ project-bas$ r5tal assi/ance "u section #h4 7f7 ,notification & opt-,out ,an eligible entity p>ticipat+ 9 ! pilot program %all-- 7#a7 notify ea* cov]$ family ( _! enrollm5t 9 ! pilot program2 7#b7 provide ea* cov]$ family ) a detail$ description ( ! pilot program1 includ+ h[ ! pilot program w impact _! r5t & f9ances2 7#c7 in=m ea* cov]$ family t ! family may n simultane\sly p>ticipate 9 ! pilot program & ! ,family ,self-,suffici5cy program "u ?is section2 & 7#d7 provide ea* cov]$ family ) ! ability to elect n to p>ticipate 9 ! pilot program-- 7,a7 n less ?an #b weeks be=e ! date on :i* ! escr[ acc\nt is e/abli%$ "u subsection 7c72 & 7,b7 at any po9t dur+ ! duration ( ! pilot program4 7g7 ,maximum r5ts ,dur+ ! t]m ( p>ticipation by a cov]$ family 9 ! pilot program1 ! am\nt ( r5t paid by ! cov]$ family %all be calculat$ "u ! r5tal provisions ( section #c or #h7o71 z applicable4 7h7 ,pilot program timel9e 7#a7 ,aw>ds ,n lat] ?an #ah mon?s aft] ! date ( enactm5t ( ?is subsection1 ! ,secret>y %all select ! eligible entities to p>ticipate 9 ! pilot program4 7#b7 ,e/abli%m5t & t]ms ( acc\nts ,an eligible entity select$ to p>ticipate 9 ! pilot program %all-- 7,a7 n lat] ?an #f mon?s aft] selection1 e/abli% escr[ acc\nts "u subsection 7c7 = cov]$ families2 & 7,b7 ma9ta9 ^? escr[ acc\nts = n less ?an #e ye>s1 or until ! date ! family ceases to receive assi/ance "u section #h or #i1 &1 at ! discretion ( ! cov]$ family1 n m ?an #g ye>s aft] ! date on :i* ! escr[ acc\nt is e/abli%$4 7i7 ,nonp>ticipation & h\s+ assi/ance 7#a7 ,9 g5]al ,a family t elects n to p>ticipate 9 ! pilot program may n be delay$ or d5i$ assi/ance "u section #h or #i = reason ( su* election4 7#b7 ,no t]m9ation ,h\s+ assi/ance may n be t]m9at$ z a consequ5ce ( p>ticipat+1 or n p>ticipat+1 9 ! pilot program "u ?is subsection = any p]iod ( "t4 7j7 ,/udy ,n lat] ?an #h ye>s aft] ! date ! ,secret>y selects eligible entities to p>ticipate 9 ! pilot program "u ?is subsection1 ! ,secret>y %all conduct a /udy & submit to ! ,committee on ,bank+1 ,h\s+1 & ,urban ,affairs ( ! ,s5ate & ! ,committee on ,f9ancial ,s]vices ( ! ,h\se ( ,repres5tatives a report on outcomes = cov]$ families t p>ticipat$ 9 ! pilot program1 :i* %all evaluate ! effectiv5ess ( ! pilot program 9 assi/+ families to a*ieve economic indep5d5ce & self-suffici5cy1 & ! impact coa*+ & supportive s]vices 7?is does n seem to be "p ( ?is pilot program71 or ! lack !re(1 _h on individual incomes4 7k7 ,waiv]s ,to all[ select$ eligible entities to effectively adm9i/] ! pilot program & make ! requir$ escr[ acc\nt deposits "u ?is subsection1 ! ,secret>y may waive requirem5ts "u ?is section4 7l7 ,t]m9ation ,! pilot program e/abli%$ "u ?is subsection %all t]m9ate on ! date t is #aj ye>s aft] ! date ( enactm5t ( ?is section4 4 #dje4 ,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$-- 7#a7 9 subsection 7a77#d77;,c71 by /rik+ adequate di/ribution & all t foll[s ?r\gh =eclosure rates & ins]t+ t ! recipi5ts are geographically div]se & include organizations t s]ve urban or rural areas2 7#b7 9 subsection 7e71 by add+ at ! end ! foll[+3 7#f7 ,p]=mance review ,! ,secret>y-- 7,a7 may conduct p]iodic on-site reviews2 & 7,b7 %all conduct p]=mance reviews ( all p>ticipat+ ag5cies t-- 7i7 consi/ ( a review ( ! p>ticipat+ ag5cy's compliance ) all program requirem5ts2 & 7ii7 may take into acc\nt ! ag5cy's aggregate c\nselor p]=mance "u p>agraph 7#g77;,b74 7#g7 ,consid]ations 7,a7 ,cov]$ 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 ( betwe5 #a & #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 section = pre-pur*ase h\s+ c\nsel+1 ! ,secret>y may consid] ! p]=mance ( ! c\nselor comp>$ to ! default rate ( all c\nsel$ borr[]s ( a cov]$ mortgage loan 9 comp>able m>kets & su* o!r factors z ! ,secret>y det]m9es appropriate to fur!r ! purposes ( ?is section4 7#h7 ,c]tification ,if1 bas$ on ! comp>ison requir$ "u p>agraph 7#g77;,b71 ! ,secret>y det]m9es t a c\nselor lacks compet5ce to provide c\nsel+ 9 ! areas describ$ 9 subsection 7e77#b7 & su* action w n create a significant loss ( capacity = h\s+ c\nsel+ s]vices 9 ! s]vice area1 ! ,secret>y may-- 7,a7 require cont9u$ education c\pl$ ) successful completion ( a probation>y p]iod2 7,b7 require rete/+ if ! c\nselor cont9ues to demon/rate a lack ( compet5ce "u p>agraph 7#g77;,b72 & 7,c7 p]man5tly susp5d an individual c]tification if a c\nselor fails to demon/rate compet5ce aft] n few] ?an #b rete/+ opportunities "u subp>agraph 7,b74 2 7#c7 9 subsection 7i7-- 7,a7 by r$esignat+ p>agraph 7#c7 z p>agraph 7#d72 & 7,b7 by ins]t+ aft] p>agraph 7#b7 ! foll[+3 7#c7 ,t]m9ation ( assi/ance 7,a7 ,9 g5]al ,! ,secret>y may d5y r5ewal ( cov]$ 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 c\nsel+1 is n 9 compliance ) program requirem5ts-- 7i7 bas$ on ! p]=mance review describ$ 9 subsection 7e77#f72 & 7ii7 9 accordance ) regulations issu$ by ! ,secret>y4 7,b7 ,notice ,! ,secret>y %all give an organization or entity receiv+ cov]$ assi/ance n less ?an #fj days prior writt5 notice ( any d5ial ( r5ewal "u ?is p>agraph1 & ! det]m9ation ( r5ewal %all n be f9aliz$ until ! end ( t notice p]iod4 7,c7 ,in=mal conf]5ce ,if reque/$ 9 writ+ by ! organization or entity )9 ! notice p]iod describ$ 9 subp>agraph 7,b71 ! organization or entity %all be entitl$ to an in=mal conf]5ce ) ! ,deputy ,assi/ant ,secret>y ( ,h\s+ ,c\nsel+ on behalf ( ! ,secret>y at :i* ! organization or entity may pres5t = consid]ation specific factors t ! organization or entity believes 7 beyond ! control ( ! organization or entity & t caus$ ! failure to comply ) program requirem5ts1 su* z a lack ( l5d] or s]vic] coord9ation or communication ) h\s+ c\nsel+ ag5cies & individual c\nselors4 2 & 7#d7 by add+ at ! end ! foll[+3 7j7 ,(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 & h\s+ coop]atives7 or /ock or memb]%ip 9 a coop]ative own]%ip h\s+ corporation design$ pr9cipally = ! occupancy ( betwe5 #a & #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 #cj days or m del9qu5t on paym5ts = ! cov]$ mortgage loan %all be giv5 an opportunity to p>ticipate 9 available h\s+ c\nsel+4 7#c7 ,co/ ,if ! requirem5ts ( sections #bjb7;a77#c7 & #bje7;f7 ( ! ,national ,h\s+ ,act 7#ab ,u4,s4,c4 #agjh7;a77#c71 #agaa7;f77 are met1 ! fair m>ket rate 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 4 #djf4 ,e/abli%m5t ( eviction helpl9e 7a7 ,9 g5]al ,! ,secret>y ( ,h\s+ & ,urban ,developm5t %all1 n lat] ?an #a ye> aft] ! date ( ! enactm5t ( ?is ,act1 e/abli% a helpl9e to provide t5ants ( cov]$ f$]ally assi/$ r5tal dwell+ units ) c\nsel+1 res\rces1 & ref]rals to available assi/ance relat+ to eviction-relat$ matt]s4 7b7 ,def9itions ,9 ?is section3 7#a7 ,assi/ance ,! t]m assi/ance means any grant1 loan1 subsidy1 contract1 coop]ative agreem5t1 or o!r =m ( f9ancial assi/ance1 b su* t]m does n include ! insurance or gu>antee ( a loan1 mortgage1 or pool ( loans or mortgages4 7#b7 ,cov]$ f$]ally assi/$ r5tal dwell+ unit ,! t]m cov]$ f$]ally assi/$ r5tal dwell+ unit means a resid5tial dwell+ unit t-- 7,a7 is made available = r5tal2 & 7,b7 7i7 = :i* assi/ance is provid$1 or t is "p ( a h\s+ project = :i* assi/ance is provid$1 "u any program adm9i/]$ by ! ,secret>y ( ,h\s+ & ,urban ,developm5t1 includ+-- 7,i7 ! public h\s+ program "u ! ,unit$ ,/ates ,h\s+ ,act ( #aicg #ba 7#db ,u4,s4,c4 #adcg et seq472 7,,ii7 ! program = r5tal assi/ance "u section #h ( ! ,unit$ ,/ates ,h\s+ ,act ( #aicg 7#db ,u4,s4,c4 #adcg;f72 7,,iii7 ! ,,home ,inve/m5t ,p>tn]%ips program "u title ,,ii ( ! ,cran/on-,gonzalez ,national ,af=dable ,h\s+ ,act 7#db ,u4,s4,c4 #abgba et seq472 7,,iv7 title ,,iv ( ! ,mc,kinney-,v5to ,homeless ,assi/ance ,act 7#db ,u4,s4,c4 #aacfj et seq472 7,v7 ! ,h\s+ ,tru/ ,fund program "u section #acch ( ! ,h\s+ & ,community ,developm5t ,act ( #aiib 7#ab ,u4,s4,c4 #defh72 7,,vi7 ! program = supportive h\s+ = ! eld]ly "u section #bjb ( ! ,h\s+ ,act ( #aiei 7#ab ,u4,s4,c4 #agjaq72 7,,vii7 ! program = supportive h\s+ = p]sons ) disabilities "u section #haa ( ! ,cran/on-,gonzalez ,national ,af=dable ,h\s+ ,act 7#db ,u4,s4,c4 #hjac72 7,,viii7 ! ,,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 seq472 7,,ix7 ! 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 seq472 & 7,x7 ! program = h\s+ assi/ance = ,native ,hawaiians "u title ,,viii ( ! ,native ,am]ican ,h\s+ ,assi/ance & ,self-,det]m9ation ,act ( #aiif #g 7#be ,u4,s4,c4 #dbba et seq472 or 7ii7 is a prop]ty1 or is on or 9 a prop]ty1 t has a f$]ally back$ mortgage loan or f$]ally back$ multifamily mortgage loan1 z #aa su* t]ms are def9$ 9 section #djbd7;a7 ( ! ,,c>es ,act 7#ae ,u4,s4,c4 #ijeh7;a774 #djg4 ,temp]ature ,s5sor ,pilot ,program 7a7 ,9 g5]al ,! ,secret>y ( ,h\s+ & ,urban ,developm5t %all e/abli% a temp]ature s5sor #c-ye> pilot program to provide grants to public h\s+ ag5cies & own]s ( cov]$ f$]ally assi/$ r5tal dwell+ units to in/all & te/ ! efficacy ( temp]ature s5sors 9 resid5tial dwell+ units to ensure su* units rema9 9 compliance ) temp]ature requirem5ts4 7b7 ,eligibility 7#a7 ,9 g5]al ,! ,secret>y %all1 n lat] ?an #ahj days aft] ! date ( ! enactm5t ( ?is ,act1 e/abli% eligibility crit]ia = p>ticipation 9 ! pilot program e/abli%$ pursuant to subsection 7a74 7#b7 ,crit]ia ,9 e/abli%+ ! eligibility crit]ia describ$ 9 p>agraph 7a71 ! ,secret>y %all ensure-- 7,a7 ! pilot program includes a div]se range ( p>ticipants t repres5t diff]5t geographic regions1 climate regions1 unit sizes & types ( h\s+2 & 7,b7 t ! functionality ( ! temp]ature s5sors t w be in/all$ & te/$ us+ am\nts aw>d$ "u ?is section1 includ+ int]net connectivity requirem5ts4 7c7 ,in/allation ,ea* public h\s+ ag5cy or own] ( a cov]$ f$]ally assi/$ r5tal dwell+ unit t receives #a or m temp]ature s5sors "u ?is section %all1 aft] receiv+ writt5 p]mission f ! resid5t ( a dwell+ unit1 in/all su* temp]ature s5sor & monitor ! data f su* temp]ature s5sor4 7d7 ,collection ( compla9t records 7#a7 ,9 g5]al ,ea* public h\s+ ag5cy or own] ( a cov]$ f$]ally assi/$ r5tal dwell+ unit t receives #a or m temp]ature s5sors "u ?is section %all collect & reta9 in=mation ab\t temp]ature-relat$ compla9ts & violations4 7#b7 ,def9itions ,! ,secret>y %all1 n lat] ?an #ahj days aft] ! date ( ! enactm5t ( ?is ,act1 def9e ! t]ms temp]ature-relat$ compla9ts & temp]ature-relat$ violations = ! purposes ( ?is section4 7e7 ,data collection 7#a7 ,9 g5]al ,data collect$ f temp]ature s5sors provid$ to public h\s+ ag5cies & own]s ( cov]$ f$]ally assi/$ r5tal dwell+ units "u ?is section %all be reta9$ until ! ,secret>y notifies ! public h\s+ ag5cy or own] t ! pilot program & ! evaluation ( ! pilot program are complete4 7#b7 ,p]sonally id5tifiable in=mation ,! ,secret>y %all1 n lat] ?an #ahj days aft] ! date ( ! enactm5t ( ?is ,act1 e/abli% /&>ds = ! protection ( p]sonally id5tifiably in=mation collect$ dur+ ! pilot program by public h\s+ ag5cies1 own]s ( f$]ally assi/$ r5tal dwell+ units1 & ! ,secret>y4 7f7 ,pilot program evaluation 7#a7 ,int]im evaluation ,n lat] ?an #ab mon?s aft] ! e/abli%m5t ( ! pilot program "u ?is section1 ! ,secret>y %all publicly publi% & submit to ! ,congress a report t-- 7,a7 exam9es ! numb] ( temp]ature-relat$ compla9ts & violations 9 ,f$]ally assi/$ r5tal dwell+ units ) temp]ature s5sors1 disaggregat$ by temp]ature s5sor te*nology & climate region-- 7i7 t occurr$ be=e ! in/allation ( su* s5sor1 if kn[n2 & 7ii7 t occurr$ aft] ! in/allation ( su* s5sor2 & 7,b7 id5tifies any b>ri]s to full utility ( temp]ature s5sor capabilities1 includ+ broadb& int]net access & t5ant p>ticipation4 7#b7 ,f9al evaluation ,n lat] ?an #cf mon?s aft] ! conclusion ( ! pilot program e/abli%$ by ! ,secret>y "u ?is section1 ! ,secret>y %all publicly publi% & submit to ! ,congress a report t-- 7,a7 exam9es ! numb] ( temp]ature-relat$ compla9ts & violations 9 f$]ally assi/$ r5tal dwell+ units ) temp]ature s5sors1 disaggregat$ by temp]ature s5sor te*nology & climate region-- 7i7 t occurr$ be=e ! in/allation ( su* s5sor2 & 7ii7 t occurr$ aft] ! in/allation ( su* s5sor2 7,b7 id5tifies any b>ri]s to full utility ( temp]ature s5sor capabilities1 includ+ broadb& int]net access & t5ant p>ticipation2 & 7,c7 comp>e ! utility ( v>i\s temp]ature s5sor te*nologies bas$ on-- 7i7 climate zones2 7ii7 co/2 7iii7 features2 & 7iv7 any o!r factors id5tifi$ by ! ,secret>y4 7g7 ,def9itions ,= ! purposes ( ?is section3 7#a7 ,temp]ature s5sor ,! t]m temp]ature s5sor means an int]net capable temp]ature report+ device able to measure ambi5t air temp]ature to ! t5? degree ,fahr5heit & ,celsius4 7#b7 ,cov]$ f$]ally assi/$ h\s+ ,! t]m cov]$ f$]ally assi/$ r5tal dwell+ unit means a resid5tial dwell+ unit t is made available = r5tal & = :i* assi/ance is provid$1 or t is "p ( a h\s+ project = :i* assi/ance is provid$1 "u-- 7,a7 ! program = project-bas$ r5tal assi/ance "u section #h ( ! ,unit$ ,/ates ,h\s+ ,act ( #aicg 7#db ,u4,s4,c4 #adcg;f72 7,b7 ! public h\s+ program "u ! ,unit$ ,/ates ,h\s+ ,act ( #aicg 7#db ,u4,s4,c4 #adcg et seq472 7,c7 ! program = supportive h\s+ = ! eld]ly "u section #bjb ( ! ,h\s+ ,act ( #aiei 7#ab ,u4,s4,c4 #agjaq72 or 7,d7 ! 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#c7 ,own] ,! t]m own] means-- 7,a7 ) respect to ! program = project-bas$ r5tal assi/ance "u section #h ( ! ,unit$ ,/ates ,h\s+ ,act ( #aicg 7#db ,u4,s4,c4 #adcg;f71 any private p]son or entity1 includ+ a coop]ative1 an ag5cy ( ! ,f$]al ,gov]nm5t1 or a public h\s+ ag5cy1 hav+ ! legal "r to lease or sublease dwell+ units2 7,b7 ) respect to public h\s+ program "u ! ,unit$ ,/ates ,h\s+ ,act ( #aicg 7#db ,u4,s4,c4 #adcg et seq471 a public h\s+ ag5cy or an own] entity ( public h\s+ units z def9$ 9 section #ije4ajh ( title #bd1 ,code ( ,f$]al ,regulations2 7,c7 ) respect to ! program = supportive h\s+ = ! eld]ly "u section #bjb ( ! ,h\s+ ,act ( #aiei 7#ab ,u4,s4,c4 #agjaq71 a private nonpr(it organization z def9$ "u section #bjb7k77#d7 ( ! ,h\s+ ,act ( #aiei2 & 7,d7 ) respect to ! program = supportive h\s+ = p]sons ) disabilities "u section #haa ( ! ,cran/on-,gonzalez ,national ,af=dable ,h\s+ ,act 7#db ,u4,s4,c4 #hjac71 a private nonpr(it organization z def9$ "u section #haa7k77#e7 ( section #haa ( ! ,cran/on-,gonzalez ,national ,af=dable ,h\s+ ,act4 #djh4 ,,gao /udies 7a7 ,report to ,congress ,n lat] ?an #a ye> aft] ! date ( ! enactm5t ( ?is act1 ! ,comptroll] ,g5]al ( ! ,unit$ ,/ates c>ry out a /udy & submit to ! ,congress a report t id5tifies options to remove b>ri]s & improve h\s+ = p]sons :o are eld]ly or disabl$1 includ+ any pot5tial impacts ( provid+ capital advances =-- 7#a7 ! program = supportive h\s+ = ! eld]ly "u section #bjb ( ! ,h\s+ ,act ( #aiei2 & 7#b7 ! program = supportive h\s+ = p]sons ) disabilities "u section #haa ( ! ,cran/on-,gonzalez ,national ,af=dable ,h\s+ ,act4 7b7 ,,gao /udy ,to det]m9e proximity ( h\s+ to ,sup]fund sites ,n lat] ?an #a ye> aft] ! date ( ! enactm5t ( ?is section1 ! ,comptroll] ,g5]al ( ! ,unit$ ,/ates %all c>ry out a /udy & submit to ! ,congress a report t id5tifies h[ _m resid5tial dwell+ units1 & h[ _m dwell+ units t are a "p ( public h\s+ 7z su* t]m is def9$ 9 section #c7;b7 ( ! ,unit$ ,/ates ,h\s+ ,act ( #aicg 7#db ,u4,s4,c4 #adcg;a7,b7771 are locat$ less ?an "o mile f a site t is includ$ on ! ,national ,priorities ,li/ e/abli%$ pursuant to section #aje ( ! ,compreh5sive ,environm5tal ,response1 ,comp5sation1 & ,liability ,act ( #aihj 7#db ,u4,s4,c4 #ifje74 ,v ,enhanc+ ,ov]sight ( ,h\s+ ,provid]s #eja4 ,requirem5t to te/ify ,section #g ( ! ,dep>tm5t ( ,h\s+ & ,urban ,developm5t ,act 7#db ,u4,s4,c4 #cece7 is am5d$ by add+ at ! end ! foll[+ new subsection3 7u7 ,annual te/imony ,! ,secret>y %all appe> be=e ! ,committee on ,f9ancial ,s]vices ( ! ,h\se ( ,repres5tatives & ! ,committee on ,bank+1 ,h\s+1 & ,urban ,affairs ( ! ,s5ate at an annual he>+ & pres5t te/imony reg>d+ ! op]ations ( ! ,dep>tm5t dur+ ! prec$+ ye>1 includ+-- 7#a7 ! curr5t programs & op]ations ( ! ,dep>tm5t2 7#b7 ! physical condition ( all public h\s+ & o!r h\s+ assi/$ by ! ,dep>tm5t2 7#c7 ! f9ancial heal? ( ! mortgage insurance funds ( ! ,f$]al ,h\s+ ,ag5cy2 7#d7 ov]sight by ! ,dep>tm5t ( grantees & sub-grantees = purposes ( prev5t+ wa/e1 fraud1 & abuse2 7#e7 ! progress made by ! ,f$]al ,gov]nm5t 9 end+ ! af=dable h\s+ & homelessness crises2 7#f7 ! capacity ( ! ,dep>tm5t to deliv] on its /atutory mission2 & 7#g7 o!r ongo+ activities ( ! ,dep>tm5t1 z appropriate4 4 #ejb4 ,disclosure requir$ ,! ,secret>y ( ,h\s+ & ,urban ,developm5t %all1 n lat] ?an #a ye> aft] ! date ( ! enactm5t ( ?is section1 require ea* public h\s+ ag5cy 7z su* t]m is def9$ 9 section #c7;b7 ( ! ,unit$ ,/ates ,h\s+ ,act ( #aicg 7#db ,u4,s4,c4 #adcg;a7b777 to publicly disclose1 on ! website ( ! public h\s+ ag5cy1 ) respect to ea* contract ent]$ into by su* public h\s+ ag5cy 9 ! prec$+ ye> ! foll[+3 7#a7 ,all mat]ial in=mation ab\t ! contract1 includ+ ! goods & s]vice provid$4 7#b7 ,! v5dor select$ to receive ! contract4 7#c7 ,! date ( ! solicitation ( ! contract4 7#d7 ,! bids & quotes solicit$4 7#e7 ,! "n ( (ficial :o solicit$ ! contract4 #ejc4 ,inve/igation & report to ,congress 7a7 ,inve/igation ,! ,inspector ,g5]al ( ! ,dep>tm5t ( ,h\s+ & ,urban ,developm5t %all conduct an inve/igation ( ! ,new ,york ,city ,h\s+ ,au?ority1 :i* %all include-- 7#a7 ! /atus ( ! ,new ,york ,city ,h\s+ ,au?ority's compliance ) ! agreem5t ent]$ into betwe5 ! ,new ,york ,city ,h\s+ ,au?ority1 ! ,dep>tm5t ( ,h\s+ & ,urban ,developm5t1 & ! ,city ( ,new ,york on ,janu>y #ca1 #bjai1 includ+ specific areas ( defici5cy & progress t[>ds compliance2 7#b7 a review ( actions tak5 by ! monitor ( ! ,new ,york ,city ,h\s+ ,au?ority pursuant to su* ,agreem5t1 includ+ any gaps 9 ov]sight by ! ,monitor2 7#c7 a survey ( ! physical conditions ( h\s+ provid$ by ! ,new ,york ,city ,h\s+ ,au?ority = resid5ts ( ! ,city ( ,new ,york2 7#d7 an exam9ation ( any wa/e1 fraud1 abuse & violations ( ,f$]al law committ$ by employees or contractors ( ! ,new ,york ,city ,h\s+ ,au?ority2 & 7#e7 in=mation on o!r issues & areas1 z deem$ necess>y & appropriate by ! ,inspector ,g5]al ( ! ,dep>tm5t ( ,h\s+ & ,urban ,developm5t4 7b7 ,report ,n lat] ?an #ahj days aft] ! date ( ! enactm5t ( ?is ,act1 ! ,inspector ,g5]al ( ! ,dep>tm5t ( ,h\s+ & ,urban ,developm5t %all provide to ! ,committee on ,f9ancial ,s]vices ( ! ,h\se ( ,repres5tatives & ! ,committee on ,bank+1 ,h\s+1 & ,urban ,affairs ( ! ,s5ate a report t includes-- 7#a7 ! results ( ! inve/igation conduct$ "u subsection 7a72 7#b7 a summ>y ( actions t ! ,dep>tm5t ( ,h\s+ & ,urban ,developm5t may take to compel ! ,new ,york ,city ,h\s+ ,au?ority to rem$y any defici5cies2 & 7#c7 any o!r recomm5dations ( ! ,inspector ,g5]al ( ! ,dep>tm5t ( ,h\s+ & ,urban ,developm5t4 #ejd4 ,f$]al monitor & receiv] te/imony ,n lat] ?an ,octob] #a ( ea* ye>1 any ,f$]al monitor or receiv] t has provid$ ov]sight ( a public h\s+ ag5cy 7z su* t]m is def9$ 9 section #c7;b7 ( ! ,unit$ ,/ates ,h\s+ ,act ( #aicg 7#db ,u4,s4,c4 #adcg;a7b777 9 ! previ\s ye> %all appe> be=e ! ,committee on ,f9ancial ,s]vices ( ! ,h\se ( ,repres5tatives & ! ,committee on ,bank+1 ,h\s+1 & ,urban ,affairs ( ! ,s5ate & pres5t te/imony on ! ongo+ managem5t & ov]sight activities ( ! public h\s+ ag5cy by ! ,f$]al monitor or receiv]4 #eje4 ,annual te/imony ,section #bjc7;a7 ( ! ,mc,kinney-,v5to ,homeless ,assi/ance ,act 7#db ,u4,s4,c4 #aacac7;a77 is am5d$-- 7#a7 9 p>agraph 7#ab7 by /rik+ & at ! end2 7#b7 9 p>agraph 7#ac7 /rik+ ! p]iod at ! end & ins]t+ 2 &2 & 7#c7 by add+ at ! end ! foll[+3 7#ad7 te/ify annually be=e ! ,committee on ,bank+1 ,h\s+1 & ,urban ,affairs ( ! ,s5ate4 4