,i  #aai? ,,congress  #a/ ,session  ,h4 
,r4 #fgga  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,decemb] #ag1         
#bjbe,ms4 ,wat]s introduc$ ! foll[+     
bill2 :i* 0 ref]r$ to ! ,committee on   
,appropriations1 & 9 addition to !      
,committee on ,f9ancial ,s]vices1 = a   
p]iod to be subsequ5tly det]m9$ by !    
,speak]1 9 ea* case = consid]ation ( su*
 provisions z fall )9 ! jurisdiction ( !
 committee conc]n$  ,a ,,bill  ,to      
facilitate ! developm5t ( fair &        
af=dable h\s+1 decrease h\s+ co/s1 & =  
o!r purposes4  #a4 ,%ort title2 table ( 
cont5ts  7a7 ,%ort title ,?is ,act may  
be cit$ z ! ,h\s+ ,crisis ,response ,act
 ( #bjbe4  7b7 ,table ( cont5ts ,! table
 ( cont5ts = ?is ,act is z foll[s3      
,sec4 #a4 ,%ort title2 table ( cont5ts4 
,title ,i--,creat+ & ,pres]v+ ,af=dable1
 ,equitable1 & ,accessible ,h\s+ = !    
#ba/ ,c5tury ,sec4 #aja4 ,public h\s+   
inve/m5ts4 ,sec4 #ajb4 ,inve/m5ts 9     
af=dable & accessible h\s+ production4  
,sec4 #ajc4 ,h\s+ inve/m5t fund4 ,sec4  

#ajd4 ,section #haa supportive h\s+ = p 
) disabilities4 ,sec4 #aje4 ,section    
#bjb supportive h\s+ = ! eld]ly program4
 ,sec4 #ajf4 ,improv+ en]gy effici5cy or
 wat] effici5cy or climate resili5ce (  
af=dable h\s+4 ,sec4 #ajg4              
,revitalization ( di/ress$ multifamily  
prop]ties4 ,sec4 #ajh4 ,inve/m5ts 9     
rural r5tal h\s+4 ,sec4 #aji4 ,h\s+     
v\*]s4 ,sec4 #aaj4 ,project-bas$ r5tal  
assi/ance4 ,sec4 #aaa4 ,inve/m5ts 9     
,native ,am]ican ,communities4 ,sec4    
#aab4 ,increas$ af=dable h\s+ program   
inve/m5t4 ,sec4 #aac4 ,promot+ h\s+     
accessibility & visitability4 ,title    
,,ii--#ba/ ,c5tury ,su/a9able &         
,equitable ,communities ,sec4 #bja4     
,community developm5t block grant fund+ 
= af=dable h\s+ & infra/ructure4 ,sec4  
#bjb4 ,lead-bas$ pa9t haz>d control &   
h\s+-relat$ heal? & safety haz>d        
mitigation 9 h\s+ ( families ) l[]      
incomes4 ,sec4 #bjc4 ,unlock+           
possibilities program4 ,sec4 #bjd4      
,/r5g!n+ resili5ce "u national flood    

insurance program4 ,sec4 #bje4          
,community ,re/oration & ,revitalization
 ,fund4 ,sec4 #bjf4 ,fair h\s+          
activities & inve/igations4 ,sec4 #bjg4 
,int]gov]nm5tal fair h\s+ activities &  
inve/igations4 ,title ,,iii--,home[n]%ip
 ,inve/m5ts ,sec4 #cja4 ,fir/-,g5]ation 
,d[npaym5t ,assi/ance4 ,sec4 #cjb4 ,home
 loan program4 ,sec4 #cjc4 ,,hud-insur$ 
small doll> mortgage demon/ration       
program4 ,sec4 #cjd4 ,inve/m5ts 9 rural 
home[n]%ip4 ,title ,,iv--,,hud          
,adm9i/ration1 ,capacity ,build+1       
,te*nical ,assi/ance1 & ,ag5cy ,ov]sight
 ,sec4 #dja4 ,program adm9i/ration1     
tra9+1 te*nical assi/ance1 capacity     
build+1 & ov]sight4 ,sec4 #djb4         
,community-l$ capacity build+4  ,i      
,creat+ & ,pres]v+ ,af=dable1           
,equitable1 & ,accessible ,h\s+ = ! #ba/
 ,c5tury  #aja4 ,public h\s+ inve/m5ts  
7a7 ,appropriation ,9 addition to am\nts
 o!rwise made available1 !re is         
appropriat$ to ! ,secret>y ( ,h\s+ &    
,urban ,developm5t 79 ?is section ref]r$

 to z ! ,secret>y7 = fiscal ye> #bjbf1  
out ( any money 9 ! ,treasury n o!rwise 
appropriat$-- 7#a7 #aj1jjj1jjj1jjj1 to  
rema9 available until ,septemb] #cj1    
#bjcc1 = ! ,capital ,fund "u section    
#i7;d7 ( ! ,unit$ ,/ates ,h\s+ ,act (   
#aicg 7#db ,u4,s4,c4 #adcg;g7d77        
pursuant to ! same =mula z 9 fiscal ye> 
#bjba1 to be made available )9 #fj days 
( ! date ( ! enactm5t ( ?is ,act2  7#b7 
#ec1jjj1jjj1jjj1 to rema9 available     
until ,septemb] #cj1 #bjbh1 = eligible  
activities "u section #i7;d77#a7 ( !    
,unit$ ,/ates ,h\s+ ,act ( #aicg 7#db   
,u4,s4,c4 #adcg;g7d77#a77 = priority    
inve/m5ts z det]m9$ by ! ,secret>y to   
repair1 replace1 or con/ruct prop]ties  
assi/$ "u su* section #i2  7#c7         
#a1bjj1jjj1jjj1 to rema9 available until
 ,septemb] #cj1 #bjbh1 = competitive    
grants "u section #bd ( ! ,unit$ ,/ates 
,h\s+ ,act ( #aicg 7#db ,u4,s4,c4       
#adcgv7 79 ?is section ref]r$ to z      
section #bd71 "u ! t]ms & conditions 9  
subsection 7b71 = trans=mation1         

rehabilitation1 & replacem5t h\s+ ne$s (
 public & assi/$ h\s+1 & to trans=m     
neighborhoods ( pov]ty into function+1  
su/a9able mix$-income neighborhoods2    
7#d7 #gej1jjj1jjj1 to rema9 available   
until ,septemb] #cj1 #bjcc1 = ! co/s to 
! ,secret>y ( adm9i/]+ & ov]see+ !      
implem5tation ( ?is section & ! ,public 
,h\s+ ,capital ,fund & ! section #bd    
grant program g5]ally1 includ+ in=mation
 te*nology1 f9ancial report+1 rese>* &  
evaluation1 o!r cross-program co/s 9    
support ( programs adm9i/]$ by !        
,secret>y 9 ?is title1 & o!r co/s2 &    
7#e7 #ej1jjj1jjj1 to rema9 available    
until ,septemb] #cj1 #bjcc1 to make new 
aw>ds or increase prior aw>ds to exi/+  
te*nical assi/ance provid]s to provide  
an increase 9 capacity build+ & te*nical
 assi/ance available to entities        
eligible = fund+ = activities or        
projects consi/5t ) ?is section4  7b7   
,t]ms & conditions = section #bd grants 
,grants aw>d$ "u subsection 7a77#c7 %all
 be subject to t]ms & conditions det]m9$

 by ! ,secret>y1 :i* %all include !     
foll[+3 7#a7 ,use ,grant funds may be   
us$ = resid5t & community s]vices1      
community developm5t & revitalization1 &
 af=dable h\s+ ne$s 9 ! community4  7#b7
 ,applicants ,eligible recipi5ts (      
grants %all include lead applicants &   
jo9t applicants1 z foll[s3 7,a7 ,lead   
applicants ,a lead applicant %all be a  
local gov]nm5t1 a public h\s+ ag5cy1 or 
an own] ( an assi/$ h\s+ prop]ty4  7,b7 
,jo9t applicants ,a nonpr(it            
organization or a =-pr(it develop] may  
apply jo9tly z a jo9t applicant ) su*   
public entities specifi$ 9 subp>agraph  
7,a74 ,a local gov]nm5t mu/ be a jo9t   
applicant ) an own] ( an assi/$ h\s+    
prop]ty specifi$ 9 subp>agraph 7,a74    
7#c7 ,p]iod ( af=dability ,grantees %all
 commit to a p]iod ( af=dability det]m9$
 by ! ,secret>y ( n few] ?an #bj ye>s1 b
 ! ,secret>y may specify a p]iod (      
af=dability t is few] ?an #bj ye>s )    
respect to home[n]%ip units develop$ )  
section #bd grants4  7#d7 ,environm5tal 

review ,= purposes ( environm5tal       
review1 a grantee %all be treat$ z a    
public h\s+ ag5cy "u section #bf ( !    
,unit$ ,/ates ,h\s+ ,act ( #aicg 7#db   
,u4,s4,c4 #adcgx74  7#e7 ,l[-income &   
af=dable h\s+ ,am\nts made available "u 
?is section %all be us$ = l[-income h\s+
 7z su* t]m is def9$ "u section #c7;b7 (
 ! ,unit$ ,/ates ,h\s+ ,act ( #aicg 7#db
 ,u4,s4,c4 #adcg;a7b7771 ,,hud-assi/$   
h\s+1 & af=dable h\s+1 :i* %all be h\s+ 
= :i* ! own] ( ! project %all record an 
af=dability use re/riction approv$ by ! 
,secret>y = h\seholds e>n+ up to #abj   
p]c5t ( ! area m$ian income & is subject
 to ! p]iod ( af=dability "u p>agraph   
7#c7 ( ?is subsection4  7c7 ,o!r t]ms & 
conditions ,grants aw>d$ "u ?is section 
%all be subject to ! foll[+ t]ms &      
conditions3 7#a7 ,limitation ,am\nts    
provid$ pursuant to ?is section may n be
 us$ = op]at+ co/s or r5tal assi/ance4  
7#b7 ,developm5t ( new units ,p>agraph  
7#c7 ( section #i7;g7 ( ! ,unit$ ,/ates 
,h\s+ ,act ( #aicg 7#db ,u4,s4,c4       

#adcg;g7g77#c77 %all n apply to new     
funds made available "u ?is section4    
7#c7 ,heal? & safety ,am\nts made       
available "u ?is section %all be us$ to 
address heal?1 safety1 & environm5tal   
haz>ds1 includ+ lead1 fire1 c>bon       
monoxide1 mold1 asbe/os1 radon1 pe/     
infe/ation1 & o!r haz>ds z def9$ by !   
,secret>y4  7#d7 ,en]gy effici5cy &     
resili5ce ,am\nts made available "u ?is 
section %all advance improvem5ts to     
en]gy & wat] effici5cy or climate &     
disa/] resili5ce 9 h\s+ assi/$ "u ?is   
section4  7#e7 ,recapture ,if !         
,secret>y recaptures fund+ allocat$ by  
=mula f a public h\s+ ag5cy "u          
subsection 7a77#a71 su* recaptur$ am\nts
 %all be add$ to ! am\nts available "u  
subsection 7a77#b71 & %all be obligat$  
by ! ,secret>y prior to ! expiration (  
su* funds4  7#f7 ,supplem5tation ( funds
 ,! ,secret>y %all ensure t am\nts      
provid$ pursuant to ?is section %all    
s]ve to supplem5t & n supplant o!r      
am\nts g5]at$ by a recipi5t ( su* am\nts

 or am\nts provid$ by o!r ,f$]al1 ,/ate1
 or local s\rces4  7d7 ,implem5tation ,!
 ,secret>y %all h au?ority to issue su* 
regulations or notices1 or o!r guidance1
 =ms1 in/ructions1 & publications to    
c>ry out ! programs1 projects1 or       
activities au?oriz$ "u ?is section to   
ensure t su* programs1 projects1 or     
activities are complet$ 9 a timely &    
effective mann]4  #ajb4 ,inve/m5ts 9    
af=dable & accessible h\s+ production   
7a7 ,appropriation ,9 addition to am\nts
 o!rwise made available1 !re is         
appropriat$ to ! ,secret>y ( ,h\s+ &    
,urban ,developm5t 79 ?is section ref]r$
 to z ! ,secret>y7 = fiscal ye> #bjbf1  
out ( any money 9 ! ,treasury n o!rwise 
appropriat$-- 7#a7 #i1ibe1jjj1jjj1 to   
rema9 available until ,septemb] #cj1    
#bjbh1 = activities & assi/ance = !     
,,home ,inve/m5t ,p>tn]%ips ,program 79 
?is section ref]r$ to z ! ,,home        
program71 z au?oriz$ "u sections #bda   
?r\gh #bdb1 #bdd ?r\gh #bec1 #bee ?r\gh 
#bef1 & #bha ?r\gh #bij ( !             

,cran/on-,gonzalez ,national ,af=dable  
,h\s+ ,act 7#db ,u4,s4,c4 #abgda-abgdb1 
#db ,u4,s4,c4 #abgdd-abgec1 #db         
,u4,s4,c4 #abgee-abgef1 #db ,u4,s4,c4   
#abhca-abhdj7 79 ?is section ref]r$ to z
 ,,naha71 subject to ! t]ms & conditions
 p>agraph 7#a77;,a7 ( subsection 7b72   
7#b7 #ad1ibe1jjj1jjj1 to rema9 available
 until ,septemb] #cj1 #bjbh1 =          
activities & assi/ance = ! ,,home       
,inve/m5t ,p>tn]%ips ,program1 z        
au?oriz$ "u sections #bda ?r\gh #bdb1   
#bdd ?r\gh #bec1 #bee ?r\gh #bef1 & #bha
 ?r\gh #bij ( ! ,cran/on-,gonzalez      
,national ,af=dable ,h\s+ ,act 7#db     
,u4,s4,c4 #abgda-abgdb1 #db ,u4,s4,c4   
#abgdd-abgec1 #db ,u4,s4,c4             
#abgee-abgef1 #db ,u4,s4,c4             
#abhca-abhdj71 subject to ! t]ms &      
conditions 9 p>agraphs 7#a77;,b7 & 7#b7 
( subsection 7b72  7#c7 #ej1jjj1jjj1 to 
rema9 available until ,septemb] #cj1    
#bjcc1 to make new aw>ds or increase    
prior aw>ds to exi/+ te*nical assi/ance 
provid]s to provide an increase 9       

capacity build+ & te*nical assi/ance    
available to any grantees implem5t+     
activities or projects consi/5t ) ?is   
section2 &  7#d7 #ajj1jjj1jjj1 to rema9 
available until ,septemb] #cj1 #bjcc1 = 
! co/s to ! ,secret>y ( adm9i/]+ &      
ov]see+ ! implem5tation ( ?is section & 
! ,,home & ,h\s+ ,tru/ ,fund programs   
g5]ally1 includ+ in=mation te*nology1   
f9ancial report+1 rese>* & evaluations1 
& o!r cross-program co/s 9 support (    
programs adm9i/]$ by ! ,secret>y 9 ?is  
title1 & o!r co/s4  7b7 ,t]ms &         
conditions  7#a7 ,=mulas  7,a7 ,!       
,secret>y %all allocate am\nts made     
available "u subsection 7a77#a7 pursuant
 to section #bag ( ,,naha 7#db ,u4,s4,c4
 #abgdg7 to grantees t receiv$          
allocations pursuant to t same =mula 9  
fiscal ye> #bjbc & %all make su*        
allocations )9 #fj days ( ! enactm5t (  
?is ,act4  7,b7 ,! ,secret>y %all       
allocate am\nts made available "u       
subsection 7a77#b7 pursuant to ! =mula  
specifi$ 9 section #acch7;c77#c7 ( !    

,f$]al ,h\s+ ,ent]prises ,f9ancial      
,safety & ,s\ndness ,act ( #aiib 7#ab   
,u4,s4,c4 #defh7;c77#c77 to grantees t  
receiv$ ,h\s+ ,tru/ ,fund allocations   
pursuant to t same =mula 9 fiscal ye>   
#bjbc & %all make su* allocations )9 #fj
 days ( ! date ( ! enactm5t ( ?is ,act4 
7#b7 ,eligible activities ,o!r ?an z    
provid$ 9 p>agraph 7#e7 ( ?is           
subsection1 funds made available "u     
subsection 7a77#b7 may only be us$ =    
eligible activities describ$ 9          
subp>agraphs 7,a7 ?r\gh 7,b77i7 (       
section #acch7;c77#g7 ( ! ,f$]al ,h\s+  
,ent]prises ,f9ancial ,safety &         
,s\ndness ,act ( #aiib 7#ab ,u4,s4,c4   
#defh7;c77#g771 except t n m ?an #aj    
p]c5t ( funds made available may be us$ 
= activities "u su* subp>agraph 7,b77i74
  7#c7 ,fund+ re/rictions ,! commitm5t  
requirem5ts 9 section #bah7;g7 7#db     
,u4,s4,c4 #abgdh7;g77 ( ,,naha1 ! mat*+ 
requirem5ts 9 section #bbj 7#db         
,u4,s4,c4 #abgej7 ( ,,naha1 & !         
set-aside = h\s+ develop$1 sponsor$1 or 

own$ by community h\s+ developm5t       
organizations requir$ 9 section #bca (  
,,naha 7#db ,u4,s4,c4 #abgga7 %all n    
apply = am\nts made available "u ?is    
section4  7#d7 ,reallocation ,= funds   
provid$ "u p>agraphs 7#a7 & 7#b7 (      
subsection 7a71 ! ,secret>y may         
recapture c]ta9 am\nts rema9+ available 
to a grantee "u ?is section or am\nts   
decl9$ by a grantee1 & reallocate su*   
am\nts to o!r grantees "u t p>agraph to 
ensure fund exp5diture1 geographic      
div]sity1 & availability ( fund+ to     
communities )9 ! ,/ate f :i* ! funds h  
be5 recaptur$4  7#e7 ,adm9i/ration      
,not)/&+ subsections 7c7 & 7d77#a7 (    
section #bab ( ,,naha 7#db ,u4,s4,c4    
#abgdb71 grantees may use n m ?an #ae   
p]c5t ( _! allocations "u ?is section = 
adm9i/rative & plann+ co/s4  7c7        
,implem5tation ,! ,secret>y %all h      
au?ority to issue su* regulations1      
notices1 or o!r guidance1 =ms1          
in/ructions1 & publications to c>ry out 
! programs1 projects1 or activities     

au?oriz$ "u ?is section to ensure t su* 
programs1 projects1 or activities are   
complet$ 9 a timely & effective mann]4  
#ajc4 ,h\s+ inve/m5t fund  7a7          
,appropriation ,9 addition to am\nts    
o!rwise available1 !re is appropriat$ = 
fiscal ye> #bjbf1 out ( any money 9 !   
,treasury n o!rwise appropriat$1 to     
rema9 available until ,septemb] #cj1    
#bjbh-- 7#a7 #gdj1jjj1jjj to ! ,dep>tm5t
 ( ! ,treasury to e/abli% ! ,h\s+       
,inve/m5t ,fund e/abli%$ by ?is section 
)9 ! ,community ,developm5t ,f9ancial   
,in/itutions ,fund 79 ?is section ref]r$
 to z ! ,,cdfi ,fund7 to make grants to 
increase inve/m5t 9 ! developm5t1       
pres]vation1 rehabilitation1 f9anc+1 or 
pur*ase ( af=dable h\s+ prim>ily = l[-1 
v-l[1 & extremely l[-income families :o 
are r5t]s1 & = home[n]s ) incomes up to 
#abj p]c5t ( ! area m$ian income1 & =   
economic developm5t & community         
facilities relat$ to su* h\s+ & to fur!r
 fair h\s+2 &  7#b7 #aj1jjj1jjj = ! co/s
 to ! ,,cdfi ,fund ( adm9i/]+ & ov]see+ 

! implem5tation ( ?is section1 includ+  
in=mation te*nology1 f9ancial report+1  
rese>* & evaluations1 & o!r co/s4  7b7  
,eligible grantees ,a grant "u ?is      
section may be made1 pursuant to su*    
requirem5ts z ! ,,cdfi ,fund %all       
e/abli%1 only to--  7#a7 a ,,cdfi ,fund 
c]tifi$ community developm5t f9ancial   
in/itution1 z su* t]m is def9$ 9 section
 #ajc ( ! ,riegle ,community ,developm5t
 & ,regulatory ,improvem5t ,act ( #aiid 
7#ab ,u4,s4,c4 #dgjb72  7#b7 a nonpr(it 
organization hav+ z "o ( its pr9cipal   
purposes ! creation1 developm5t1 or     
pres]vation ( af=dable h\s+1 includ+ a  
subsidi>y ( a public h\s+ au?ority2 or  
7#c7 a consortium compris$ ( c]tifi$    
community developm5t f9ancial           
in/itutions1 eligible nonpr(it h\s+     
organizations1 or a comb9ation ( bo?4   
7c7 ,eligible uses ,eligible uses =     
grant am\nts aw>d$ f ! ,h\s+ ,inve/m5t  
,fund pursuant to ?is section %all--    
7#a7 be reasonably expect$ to result 9  
eligible af=dable h\s+ activities t     

support or su/a9 af=dable h\s+ fund$ by 
a grant "u ?is section & capital f o!r  
public & private s\rces2 &  7#b7 include
 activities--  7,a7 to provide loan loss
 res]ves2  7,b7 to capitalize an        
acquisition fund to acquire resid5tial1 
indu/rial1 or comm]cial prop]ty & l& = !
 purpose ( ! pres]vation1 developm5t1 or
 rehabilitation ( af=dable h\s+1 includ+
 to support ! creation1 pres]vation1 or 
rehabilitation ( resid5t-own$           
manufactur$ h\s+ communities2  7,c7 to  
capitalize an af=dable h\s+ fund1 =     
developm5t1 pres]vation1 rehabilitation1
 or f9anc+ ( af=dable h\s+ & economic   
developm5t activities1 includ+ community
 facilities1 if "p ( a mix$-use project1
 or activities describ$ 9 ?is p>agraph  
relat$ to transit-ori5t$ developm5t1 :i*
 may also be designat$ z a focus ( su* a
 fund2  7,d7 to capitalize an af=dable  
h\s+ mortgage fund1 to facilitate !     
orig9ation ( mortgages to buy]s t may   
exp]i5ce significant b>ri]s to access+  
af=dable mortgage cr$it1 includ+        

mortgages hav+ l[ orig9al pr9cipal      
obligations2  7,e7 = risk-%>+ loans2    
7,f7 to provide loan gu>antees2 &  7,g7 
to fund r5tal h\s+ op]ations4  7d7      
,implem5tation ,! ,,cdfi ,fund %all h ! 
au?ority to issue su* regulations1      
notice1 or o!r guidance1 =ms1           
in/ructions1 & publications to c>ry out 
! programs1 projects1 or activities     
au?oriz$ "u ?is section to ensure t su* 
programs1 projects1 or activities are   
complet$ 9 a timely & effective mann]4  
#ajd4 ,section #haa supportive h\s+ = p 
) disabilities  7a7 ,appropriation ,9   
addition to am\nts o!rwise available1   
!re is appropriat$ to ! ,secret>y (     
,h\s+ & ,urban ,developm5t 79 ?is       
section ref]r$ to z ! ,secret>y7 =      
fiscal ye> #bjbf1 out ( any money 9 !   
,treasury n o!rwise appropriat$-- 7#a7  
#dej1jjj1jjj = capital advances1 includ+
 am5dm5ts to capital advance contracts1 
= supportive h\s+ = p]sons )            
disabilities1 z au?oriz$ by section     
#haa7;b77#b7 ( ! ,cran/on-,gonzalez     

,national ,af=dable ,h\s+ ,act 7#db     
,u4,s4,c4 #hjac7;b77#b77 79 ?is section 
ref]r$ to z ! ,act71 & subject to       
subsections 7a7 ?r\gh 7h77#d71 7h77#f7  
?r\gh 7i77#a77;,c71 & 7i77#b7 ?r\gh 7m7 
( su* section #haa 7#db ,u4,s4,c4       
#hjac7;a7-#db ,u4,s4,c4 #hjac7;h77#d71  
#db ,u4,s4,c4 #hjac7;h77#f7-db ,u4,s4,c4
 #hjac7;i77#a77;,c71 #db ,u4,s4,c4      
#hjac7;i77#b7-db ,u4,s4,c4 #hjac7m771 & 
= project r5tal assi/ance = supportive  
h\s+ = p]sons ) disabilities "u section 
#haa7;d77#b7 ( ! ,act & = project       
assi/ance contracts pursuant to section 
#bjb7;h7 ( ! ,h\s+ ,act ( #aiei 7,public
 ,law #hf-cgb2 #gc ,/at4 #ffg71 =       
project r5tal assi/ance to ,/ate h\s+   
f9ance ag5cies & o!r appropriate        
entities z au?oriz$ "u section          
#haa7;b77#c7 ( ! ,act1 = ,/ate h\s+     
f9ance ag5cies2  7#b7 #g1ejj1jjj =      
provid+ te*nical assi/ance to support   
,/ate-level ef=ts to integrate h\s+     
assi/ance & volunt>y supportive s]vices 
= resid5ts ( h\s+ receiv+ su* assi/ance1

 :i* fund+ may also be us$ to provide   
te*nical assi/ance to applicants &      
pot5tial applicants to und]/& program   
requirem5ts & develop effective         
applications1 & ! ,secret>y may use     
am\nts made available "u ?is p>agraph to
 increase prior aw>ds to exi/+ te*nical 
assi/ance provid]s to provide an        
imm$iate increase 9 capacity build+ &   
te*nical assi/ance2 &  7#c7 #db1ejj1jjj 
= ! co/s to ! ,secret>y ( adm9i/]+ &    
ov]see+ ! implem5tation ( ?is section & 
! ,supportive ,h\s+ = ,p]sons )         
,disabilities program g5]ally1 includ+  
in=mation te*nology1 f9ancial report+1  
rese>* & evaluations1 o!r cross-program 
co/s 9 support ( programs adm9i/]$ by ! 
,secret>y 9 ?is title1 & o!r co/s4      
,am\nts appropriat$ by ?is section %all 
rema9 available until ,septemb] #cj1    
#bjcc4  7b7 ,limitations on co/s ,:5    
aw>d+ grants "u p>agraph 7#a7 (         
subsection 7a71 ! ,secret>y %all e/abli%
 & assess reasonable developm5t co/     
limitations by m>ket area = v>i\s types 

& sizes ( supportive h\s+ = p]sons )    
disabilities4 ,! ,secret>y %all n c\nt  
own] or sponsor contributions ( o!r     
fund+ or assi/ance aga9/ ! ov]all co/ ( 
a project4  7c7 ,occupancy /&>ds ,! own]
 or sponsor ( h\s+ assi/$ ) funds       
provid$ "u ?is section may1 ) ! approval
 ( ! ,secret>y1 limit occupancy ) ! h\s+
 to p]sons ) disabilities :o c b5efit f 
! supportive s]vices (f]$ 9 connection )
 ! h\s+4  7d7 ,implem5tation ,!         
,secret>y %all h au?ority to issue su*  
regulations1 notices1 or o!r guidance1  
=ms1 in/ructions1 & publications to c>ry
 out ! programs1 projects1 or activities
 au?oriz$ "u ?is section to ensure t su*
 programs1 projects1 or activities are  
complet$ 9 a timely & effective mann]4  
#aje4 ,section #bjb supportive h\s+ = ! 
eld]ly program  7a7 ,appropriation ,9   
addition to am\nts o!rwise available1   
!re is appropriat$ to ! ,secret>y (     
,h\s+ & ,urban ,developm5t 79 ?is       
section ref]r$ to z ! ,secret>y7 =      
fiscal ye> #bjbf1 out ( any money 9 !   

,treasury n o!rwise appropriat$--  7#a7 
#dej1jjj1jjj = ! ,supportive ,h\s+ = !  
,eld]ly ,program au?oriz$ "u section    
#bjb ( ! ,h\s+ ,act ( #aiei1 & subject  
to subsections 7a7 ?r\gh 7g71 7h77#b7   
?r\gh 7h77#e71 & 7i7 ?r\gh 7m7 ( su*    
section #bjb 7#ab ,u4,s4,c4             
#agjaq7a7-#ab ,u4,s4,c4 #agjaq7g71 #ab  
,u4,s4,c4 #agjaq7h77#b7-ab ,u4,s4,c4    
#agjaq7h77#e71 #ab ,u4,s4,c4            
#agjaq7i7-#ab ,u4,s4,c4 #agjaq7m77 79   
?is section ref]r$ to z ! ,act71 :i*    
%all be us$-- 7,a7 = capital advance    
aw>ds 9 accordance ) section            
#bjb7;c77#a7 ( ! ,act to recipi5ts t are
 eligible "u ! ,act2  7,b7 = new section
 #h project-bas$ r5tal assi/ance        
contracts "u section #h7;b7 ( ! ,unit$  
,/ates ,h\s+ ,act ( #aicg ,act 7#db     
,u4,s4,c4 #adcg;f7b771 subject to       
subsection 7c7 ( ?is section1 ) !       
,secret>y sett+ ! t]ms ( su*            
project-bas$ r5tal assi/ance contracts1 
includ+ ! duration & provisions reg>d+  
r5t sett+ & r5t adju/m5t1 to support !  

capital advance projects fund$ "u ?is   
section2 &  7,c7 = s]vice coord9ators2  
7#b7 #g1ejj1jjj1 to provide te*nical    
assi/ance to support ,/ate-level ef=ts  
to improve ! design & deliv]y ( volunt>y
 supportive s]vices = resid5ts ( any    
h\s+ assi/$ "u ! ,act & o!r h\s+        
support+ l[-income old] adults1 9 ord]  
to support resid5ts to age-9-place &    
avoid in/itutional c>e1 z well z to     
assi/ applicants & pot5tial applicants )
 project-specific design1 & ! ,secret>y 
may use am\nts made available "u ?is    
p>agraph to increase prior aw>ds to     
exi/+ te*nical assi/ance provid]s to    
provide an imm$iate increase 9 capacity 
build+ & te*nical assi/ance2 &  7#c7    
#db1ejj1jjj = ! co/s to ! ,secret>y (   
adm9i/]+ & ov]see+ ! implem5tation ( ?is
 section & ! ,supportive ,h\s+ = !      
,eld]ly program g5]ally1 includ+        
in=mation te*nology1 f9ancial report+1  
rese>* & evaluation1 o!r cross-program  
co/s 9 support ( programs adm9i/]$ by ! 
,secret>y 9 ?is title1 & o!r co/s4      

,am\nts appropriat$ by ?is section %all 
rema9 available until ,septemb] #cj1    
#bjcc4  7b7 ,limitation on co/s ,:5     
aw>d+ grants "u p>agraph 7#a7 (         
subsection 7a71 ! ,secret>y %all e/abli%
 & assess reasonable developm5t co/     
limitations by m>ket area = v>i\s types 
& sizes ( supportive h\s+ = ! eld]ly4 ,!
 ,secret>y %all n c\nt own] or sponsor  
contributions ( o!r fund+ or assi/ance  
aga9/ ! ov]all co/ ( a project4  7c7    
,implem5tation ,! ,secret>y %all h      
au?ority to issue su* regulations1      
notices1 or o!r guidance1 =ms1          
in/ructions1 & publications to c>ry out 
! programs1 projects1 or activities     
au?oriz$ "u ?is section to ensure t su* 
programs1 projects1 or activities are   
complet$ 9 a timely & effective mann]4  
#ajf4 ,improv+ en]gy effici5cy or wat]  
effici5cy or climate resili5ce (        
af=dable h\s+  7a7 ,appropriation ,9    
addition to am\nts o!rwise available1   
!re is appropriat$ to ! ,secret>y (     
,h\s+ & ,urban ,developm5t 79 ?is       

section ref]r$ to z ! ,secret>y7 =      
fiscal ye> #bjbf1 out ( any money 9 !   
,treasury n o!rwise appropriat$-- 7#a7  
#a1ggj1jjj1jjj1 to rema9 available until
 ,septemb] #cj1 #bjcj1 = ! co/ ( provid+
 direct loans1 includ+ ! co/s ( modify+ 
su* loans1 & = grants1 z provid$ = &    
subject to t]ms & conditions 9          
subsection 7b71 includ+ to subsidize    
gross obligations = ! pr9cipal am\nt (  
direct loans1 n to exce$ #d1jjj1jjj1jjj1
 to fund projects t improve ! en]gy or  
wat] effici5cy1 indoor air quality &    
su/a9ability improvem5ts1 implem5t      
l[-emission te*nologies1 mat]ials1 or   
processes1 includ+ z]o-emission         
electricity g5]ation1 en]gy /orage1 or  
build+ electrification1 electric c> *>g+
 /ation in/allations1 or address climate
 resili5ce ( multifamily prop]ties2     
7#b7 #be1jjj1jjj1 to rema9 available    
until ,septemb] #cj1 #bjcb1 = ! co/s to 
! ,secret>y ( adm9i/]+ & ov]see+ !      
implem5tation ( ?is section1 includ+    
in=mation te*nology1 f9ancial report+1  

rese>* & evaluation1 o!r cross-program  
co/s 9 support ( programs adm9i/]$ by ! 
,secret>y 9 ?is title1 & o!r co/s2  7#c7
 #abj1jjj1jjj1 to rema9 available until 
,septemb] #cj1 #bjca1 = exp5ses (       
contracts adm9i/]$ by ! ,secret>y1      
includ+ to c>ry out prop]ty climate     
risk1 en]gy1 or wat] assessm5ts1 due    
dilig5ce1 & und]writ+ functions = su*   
grant & direct loan program2 &  7#d7    
#he1jjj1jjj1 to rema9 available until   
,septemb] #cj1 #bjcj1 = en]gy & wat]    
b5*m>k+ ( prop]ties eligible to receive 
grants or loans "u ?is section1         
reg>dless ( :e!r !y actually receiv$ su*
 grants1 along ) associat$ data analysis
 & evaluation at ! prop]ty & portfolio  
level1 includ+ ! developm5t ( in=mation 
te*nology sy/ems necess>y = !           
collection1 evaluation1 & analysis ( su*
 data4  7b7 ,loan & grant t]ms &        
conditions ,am\nts made available "u ?is
 section %all be = direct loans1 grants1
 & direct loans t c be conv]t$ to grants
 to eligible recipi5ts t agree to an    

ext5d$ p]iod ( af=dability = ! prop]ty4 
7c7 ,def9itions ,z us$ 9 ?is section--  
7#a7 ! t]m eligible recipi5t means any  
own] or sponsor ( an eligible prop]ty2 &
  7#b7 ! t]m eligible prop]ty means a   
prop]ty receiv+ project-bas$ assi/ance  
pursuant to-- 7,a7 section #bjb ( !     
,h\s+ ,act ( #aiei 7#ab ,u4,s4,c4       
#agjaq72  7,b7 section #haa ( !         
,cran/on-,gonzalez ,national ,af=dable  
,h\s+ ,act 7#db ,u4,s4,c4 #hjac72 or    
7,c7 section #h7;b7 ( ! ,unit$ ,/ates   
,h\s+ ,act ( #aicg 7#db ,u4,s4,c4       
#adcg;f7b774  7d7 ,implem5tation ,!     
,secret>y %all h au?ority to issue su*  
regulations1 notices1 or o!r guidance1  
=ms1 in/ructions1 & publications to c>ry
 out ! programs1 projects1 or activities
 au?oriz$ "u ?is section to ensure t su*
 programs1 projects1 or activities are  
complet$ 9 a timely & effective mann]4  
#ajg4 ,revitalization ( di/ress$        
multifamily prop]ties  7a7              
,appropriation ,9 addition to am\nts    
o!rwise available1 !re is appropriat$ to

 ! ,secret>y ( ,h\s+ & ,urban           
,developm5t 79 ?is section ref]r$ to z !
 ,secret>y7 = fiscal ye> #bjbf1 out (   
any money 9 ! ,treasury n o!rwise       
appropriat$--  7#a7 #a1eej1jjj1jjj =    
provid+ direct loans1 :i* may be        
=givable1 to own]s ( di/ress$ prop]ties 
= ! purpose ( mak+ necess>y physical    
improvem5ts1 includ+ to subsidize gross 
obligations = ! pr9cipal am\nt ( direct 
loans n to exce$ #f1jjj1jjj1jjj1 subject
 to ! t]ms & conditions 9 subsection    
7b72 &  7#b7 #ej1jjj1jjj = ! co/s to !  
,secret>y ( adm9i/]+ & ov]see+ !        
implem5tation ( ?is section & ! ,(fice (
 ,h\s+ programs g5]ally1 includ+        
in=mation te*nology1 f9ancial report+1  
rese>* & evaluations1 o!r cross-program 
co/s 9 support ( programs adm9i/]$ by ! 
,secret>y 9 ?is title1 & o!r co/s4      
,am\nts appropriat$ by ?is section %all 
rema9 available until ,septemb] #cj1    
#bjca4  7b7 ,loan t]ms & conditions     
7#a7 ,eligibility ,own]s or sponsors (  
multifamily h\s+ projects :o meet ea* ( 

! foll[+ requirem5ts %all be eligible = 
loan assi/ance "u ?is section3 7,a7 ,!  
multifamily h\s+ project1 includ+ any   
project f :i* assi/ance has be5 approv$ 
to be transf]r$ has defici5cies t cause 
! project to be at risk ( physical      
obsolesc5ce or economic non-viability4  
7,b7 ,! actual r5ts receiv$ by ! own] or
 sponsor ( ! di/ress$ prop]ty w\ld n    
adequately su/a9 ! debt ne$$ to make    
necess>y physical improvem5ts4  7,c7 ,! 
own] or sponsor meets any su* additional
 eligibility crit]ia z ! ,secret>y      
det]m9es to be appropriate1 consid]+    
factors t contribut$ to ! project's     
defici5cies4  7#b7 ,use ( loan funds    
,ea* recipi5t ( loan assi/ance "u ?is   
section may only use su* loan assi/ance 
to make necess>y physical improvem5ts4  
7#c7 ,loan availability ,! ,secret>y    
%all only provide loan assi/ance to an  
own] or sponsor ( a multifamily h\s+    
project :5 su* assi/ance1 consid]$ ) o!r
 f9ancial res\rces available to ! own]  
or sponsor1 is ne$$ to make ! necess>y  

physical improvem5ts4  7#d7 ,int]e/     
rates & l5g? ,loans provid$ "u ?is      
section %all be> int]e/ at #a p]c5t1 &  
at orig9ation %all h a repaym5t p]iod   
cot]m9\s ) ! af=dability p]iod e/abli%$ 
"u p>agraph 7#f71 ) ! frequ5cy & am\nt (
 repaym5ts to be det]m9$ by requirem5ts 
e/abli%$ by ! ,secret>y4  7#e7 ,loan    
modifications or =giv5ess ,) respect to 
loans provid$ "u ?is section1 !         
,secret>y may take any ( ! foll[+       
actions if ! ,secret>y det]m9es t do+ s 
w pres]ve af=dability ( ! project3  7,a7
 ,waive any due on sale or due on       
ref9anc+ re/riction4  7,b7 ,cons5t to ! 
t]ms ( new debt to :i* ! loans may be   
subord9ate1 ev5 if su* new debt w\ld    
impact ! repaym5t ( ! loans4  7,c7      
,ext5d ! t]m ( ! loan4  7,d7 ,=give !   
loan 9 :ole or 9 "p4  7#f7 ,ext5d$      
af=dability p]iod ,ea* recipi5t ( loan  
assi/ance "u ?is section %all agree to  
an ext5d$ af=dability p]iod = ! project 
t is subject to ! loan by ext5d+ any    
exi/+ af=dable h\s+ use agreem5ts = an  

additional #cj ye>s or1 if ! project is 
n curr5tly subject to a use agreem5t    
e/abli%+ af=dability requirem5ts1 by    
e/abli%+ a use agreem5t = #cj ye>s4     
7#g7 ,mat*+ contribution ,ea* recipi5t (
 loan assi/ance "u ?is section %all     
secure at lea/ #bj p]c5t ( ! total co/  
ne$$ to make ! necess>y physical        
improvem5ts f non-,f$]al s\rces1 except 
9 cases :]e ! ,secret>y det]m9es t a    
lack ( f9ancial res\rces qualifies a    
loan recipi5t =--  7,a7 a r$uc$         
contribution bel[ #bj p]c5t2 or  7,b7 an
 exemption to ! mat*+ contribution      
requirem5t4  7#h7 ,additional loan      
conditions ,! ,secret>y may e/abli%     
additional conditions = loan eligibility
 provid$ "u ?is section z ! ,secret>y   
det]m9es to be appropriate4  7#i7       
,prop]ties insur$ by ! ,secret>y ,9 !   
case ( any prop]ty ) respect to :i*     
assi/ance is provid$ "u ?is section t   
has a mortgage insur$ by ! ,secret>y1 ! 
,secret>y may use funds available "u ?is
 section z necess>y to pay = ! co/s (   

modify+ su* loan4  7c7 ,def9itions ,z   
us$ 9 ?is section-- 7#a7 ! t]m          
multifamily h\s+ project means a project
 consi/+ ( five or m dwell+ units assi/$
 or approv$ to receive a transf] (      
assi/ance1 insur$1 or ) a loan held by !
 ,secret>y or a ,/ate or ,/ate ag5cy 9  
"p or 9 :ole pursuant to--  7,a7 section
 #h ( ! ,unit$ ,/ates ,h\s+ ,act ( #aicg
 7#db ,u4,s4,c4 #adcg;f71 n includ+     
subsection 7o77#ac7 ( su* section2  7,b7
 section #bjb ( ! ,h\s+ ,act ( #aiei    
7#ab ,u4,s4,c4 #agjaq71 z am5d$ by      
section #hja ( ! ,cran/on-,gonzalez     
,national ,af=dable ,h\s+ ,act2  7,c7   
section #bjb ( ! ,h\s+ ,act ( #aiei 7=m]
 #ab ,u4,s4,c4 #agjaq71 z su* section   
exi/$ be=e ! enactm5t ( !               
,cran/on-,gonzalez ,national ,af=dable  
,h\s+ ,act2  7,d7 section #haa ( !      
,cran/on-,gonzalez ,national ,af=dable  
,h\s+ ,act 7#db ,u4,s4,c4 #hjac72 or    
7,e7 section #bcf ( ! ,national ,h\s+   
,act 7#ab ,u4,s4,c4 #agaez-#a72 &  7#b7 
! t]m necess>y physical improvem5ts     

means new con/ruction or capital        
improvem5ts to an exi/+ multifamily h\s+
 project t ! ,secret>y det]m9es are     
necess>y to address ! defici5cies or t  
rise to su* a level t delay+ physical   
improvem5ts to ! project w\ld be        
detrim5tal to ! longevity ( ! project z 
suitable h\s+ = occupancy4  7d7         
,implem5tation ,! ,secret>y %all h !    
au?ority to issue su* regulations1      
notices1 or o!r guidance1 =ms1          
in/ructions1 & publications to c>ry out 
! programs1 projects1 or activities     
au?oriz$ "u ?is section to ensure t su* 
programs1 projects1 or activities are   
complet$ 9 a timely & effective mann]4  
#ajh4 ,inve/m5ts 9 rural r5tal h\s+  7a7
 ,appropriation ,9 addition to am\nts   
o!rwise available1 !re is appropriat$ to
 ! ,rural ,h\s+ ,s]vice ( ! ,dep>tm5t ( 
,agriculture = fiscal ye> #bjbf1 out (  
any money 9 ! ,treasury n o!rwise       
appropriat$--  7#a7 #a1hjj1jjj1jjj1 to  
rema9 available until ,septemb] #cj1    
#bjca1 = ! ,adm9i/rator ( ! ,rural ,h\s+

 ,s]vice = mak+ loans & grants = new    
con/ruction1 improvem5ts to en]gy & wat]
 effici5cy or climate resili5ce1 !      
removal ( heal? & safety haz>ds1 & !    
pres]vation & revitalization ( h\s+ =   
o!r purposes describ$ "u section #ead ( 
! ,h\s+ ,act ( #aidi 7#db ,u4,s4,c4     
#adhd71 subsections 7a77#a7 ?r\gh       
7a77#b71 7b77#a7 ?r\gh 7b77#c71 7b77#e7 
?r\gh 7aa77#b77;,a71 & 7aa77#d7 (       
section #eae ( su* ,act 7#db ,u4,s4,c4  
#adhe7;a77#a7-db ,u4,s4,c4              
#adhe7;a77#b71 #db ,u4,s4,c4            
#adhe7;b77#a7-7;b77#c71 #db ,u4,s4,c4   
#adhe7;b77#e7-db ,u4,s4,c4              
#adhe7;aa77#b77;,a71 #db ,u4,s4,c4      
#adhe7;aa77#d771 & #eaf ( su* act 7#db  
,u4,s4,c4 #adhf71 subject to ! t]ms &   
conditions 9 subsection 7b72  7#b7      
#ajj1jjj1jjj1 to rema9 available until  
,septemb] #cj1 #bjca1 to provide cont9u$
 assi/ance pursuant to section #cbjc ( !
 ,am]ican ,rescue ,plan ,act ( #bjba2 & 
7#c7 #ajj1jjj1jjj1 to rema9 available   
until ,septemb] #cj1 #bjcb1 = ! co/s to 

! ,rural ,h\s+ ,s]vice ( ! ,dep>tm5t (  
,agriculture ( adm9i/]+ & ov]see+ !     
implem5tation ( ?is section1 includ+    
in=mation te*nology1 f9ancial report+1  
rese>* & evaluations1 o!r cross-program 
co/s 9 support ( programs adm9i/]$ by ! 
,secret>y 9 ?is title1 & o!r co/s4  7b7 
,pres]vation & revitalization t]ms &    
conditions  7#a7 ,loans & grants & o!r  
assi/ance ,! ,adm9i/rator ( ! ,rural    
,h\s+ ,s]vice ( ! ,dep>tm5t (           
,agriculture %all provide direct loans &
 grants1 includ+ ! co/ ( modify+ loans1 
to re/ructure exi/+ ,dep>tm5t (         
,agriculture multi-family h\s+ loans    
expressly = ! purposes ( ensur+ !       
project has suffici5t res\rces to       
pres]ve ! project = ! purpose ( provid+ 
safe & af=dable h\s+ = l[-income        
resid5ts & f>m labor]s1 includ+--  7,a7 
r$uc+ or elim9at+ int]e/2  7,b7 def]r+  
loan paym5ts2  7,c7 subord9at+1 r$uc+1  
or re-amortiz+ loan debt2 &  7,d7       
provid+ o!r f9ancial assi/ance1 includ+ 
advances1 paym5ts1 & inc5tives 7includ+ 

! ability ( own]s to obta9 reasonable   
returns on inve/m5t7 requir$ by !       
,secret>y1 includ+ su* assi/ance to     
non-pr(it entities & public h\s+        
au?orities4  7#b7 ,re/rictive use       
agreem5t ,! ,adm9i/rator ( ! ,rural     
,h\s+ ,s]vice ( ! ,dep>tm5t (           
,agriculture %all z "p ( ! pres]vation &
 revitalization agreem5t obta9 a        
re/rictive use agreem5t consi/5t ) !    
t]ms ( ! re/ructur+4  7c7 ,implem5tation
 ,! ,adm9i/rator ( ! ,rural ,h\s+       
,s]vice ( ! ,dep>tm5t ( ,agriculture    
%all h au?ority to issue su*            
regulations1 notices1 or o!r guidance1  
=ms1 in/ructions1 & publications to c>ry
 out ! programs1 projects1 or activities
 au?oriz$ "u ?is section to ensure t su*
 programs1 projects1 or activities are  
complet$ 9 a timely & effective mann]4  
#aji4 ,h\s+ v\*]s  7a7 ,appropriation ,9
 addition to am\nts o!rwise available1  
!re is appropriat$ to ! ,secret>y (     
,h\s+ & ,urban ,developm5t 79 ?is       
section ref]r$ to z ! ,secret>y7 =      

fiscal ye> #bjbf1 out ( any money 9 !   
,treasury n o!rwise appropriat$-- 7#a7  
#ae1jjj1jjj1jjj1 to rema9 available     
until ,septemb] #cj1 #bjca1 =--  7,a7   
increm5tal t5ant-bas$ r5tal assi/ance = 
extremely l[-income families "u section 
#h7o7 ( ! ,unit$ ,/ates ,h\s+ ,act (    
#aicg 7#db ,u4,s4,c4 #adcg;f7o772  7,b7 
r5ewals ( su* t5ant-bas$ r5tal          
assi/ance2 &  7,c7 fees = ! co/s (      
adm9i/]+ t5ant-bas$ r5tal assi/ance &   
o!r exp5ses relat$ to ! utilization (   
v\*] assi/ance "u subp>agraph 7,a71 :i* 
may include ! co/ ( facilitat+ ! use (  
v\*] assi/ance provid$ "u p>agraph 7#e72
  7#b7 #g1ajj1jjj1jjj1 to rema9         
available until ,septemb] #cj1 #bjca1   
=--  7,a7 increm5tal t5ant-bas$ r5tal   
assi/ance "u section #h7o7 ( ! ,unit$   
,/ates ,h\s+ ,act ( #aicg 7#db ,u4,s4,c4
 #adcg;f7o77 = h\seholds exp]i5c+ or at 
risk ( homelessness1 survivors ( dome/ic
 viol5ce1 dat+ viol5ce1 sexual assault1 
& /alk+1 & survivors ( traffick+2  7,b7 
r5ewals ( su* t5ant-bas$ r5tal          

assi/ance2 &  7,c7 fees = ! co/s (      
adm9i/]+ t5ant-bas$ r5tal assi/ance &   
o!r exp5ses relat$ to ! utilization (   
v\*] assi/ance "u subp>agraph 7,a71 :i* 
may include ! co/ ( facilitat+ ! use (  
v\*] assi/ance provid$ "u p>agraph 7#e72
  7#c7 #a1jjj1jjj1jjj1 to rema9         
available until ,septemb] #cj1 #bjcc1   
=--  7,a7 t5ant protection v\*]s =      
relocation & replacem5t ( public h\s+   
units demoli%$ or dispos$ z "p ( a      
public h\s+ pres]vation or project-bas$ 
replacem5t transaction us+ funds made   
available "u ?is title2  7,b7 r5ewals ( 
su* t5ant-bas$ r5tal assi/ance2 &  7,c7 
fees = ! co/s ( adm9i/]+ t5ant-bas$     
r5tal assi/ance & o!r exp5ses relat$ to 
! utilization ( v\*] assi/ance "u       
subp>agraph 7,a71 :i* may include ! co/ 
( facilitat+ ! use ( v\*] assi/ance     
provid$ "u p>agraph 7#e72  7#d7         
#cjj1jjj1jjj1 to rema9 available until  
,septemb] #cj1 #bjcc1 = competitive     
grants1 subject to t]ms & conditions    
det]m9$ by ! ,secret>y1 to public h\s+  

ag5cies = mobility-relat$ s]vices = v\*]
 families1 includ+ families ) *ildr51 & 
s]vice coord9ation2  7#e7 #bcj1jjj1jjj1 
to rema9 available until ,septemb] #cj1 
#bjcc1 = eligible exp5ses to facilitate 
! use ( v\*] assi/ance "u ?is section & 
= o!r v\*] assi/ance "u section #h7o7 ( 
! ,unit$ ,/ates ,h\s+ ,act ( #aicg1 z   
det]m9$ by ! ,secret>y1 9 addition to   
am\nts o!rwise available = su* exp5ses1 
includ+ prop]ty own] outrea* & ret5tion 
activities su* z inc5tive paym5ts1      
security deposit paym5ts & loss res]ves1
 l&lord liaisons1 & o!r uses ( funds    
design$ prim>ily-- 7,a7 to recruit own]s
 ( dwell+ units1 p>ticul>ly dwell+ units
 9 c5sus tracts ) a pov]ty rate ( less  
?an #bj p]c5t1 to ent] into h\s+        
assi/ance paym5t contracts2 &  7,b7 to  
enc\rage own]s t ent] into h\s+         
assi/ance paym5t contracts z describ$ 9 
subp>agraph 7,a7 to cont9ue to lease _! 
dwell+ units to t5ants assi/$ "u section
 #h7o7 ( ! ,unit$ ,/ates ,h\s+ ,act (   
#aicg2  7#f7 #cjj1jjj1jjj1 to rema9     

available until ,septemb] #cj1 #bjcc1 = 
! co/s to ! ,secret>y ( adm9i/]+ &      
ov]see+ ! implem5tation ( ?is section & 
! ,h\s+ ,*oice ,v\*] program g5]ally1   
includ+ in=mation te*nology1 f9ancial   
report+1 rese>* & evaluations1 o!r      
cross-program co/s 9 support ( programs 
adm9i/]$ by ! ,secret>y 9 ?is title1 &  
o!r co/s2 &  7#g7 #gj1jjj1jjj1 to rema9 
available until ,septemb] #cj1 #bjcc1 = 
mak+ new aw>ds or increas+ prior aw>ds  
to exi/+ te*nical assi/ance provid]s to 
provide an increase 9 capacity build+ & 
te*nical assi/ance available to public  
h\s+ ag5cies4  7b7 ,t]ms & conditions   
7#a7 ,allocation ,! ,secret>y %all      
allocate initial increm5tal assi/ance   
provid$ = r5tal assi/ance "u subsection 
7a77#a7 & 7#b7 9 ea* fiscal ye> comm5c+ 
9 #bjbf & end+ 9 #bjcj 9 accordance ) a 
=mula or =mulas t include measures (    
sev]e h\s+ ne$ among extremely l[-income
 r5t]s & public h\s+ ag5cy capacity1 &  
ensures geographic div]sity among public
 h\s+ ag5cies adm9i/]+ ! ,h\s+ ,*oice   

,v\*] program4  7#b7 ,election to       
adm9i/] ,! ,secret>y %all e/abli% a     
proc$ure = public h\s+ ag5cies to accept
 or decl9e ! increm5tal v\*]s made      
available "u ?is section4  7#c7 ,failure
 to use v\*]s promptly ,if a public h\s+
 ag5cy fails to lease ! au?oriz$ v\*]s x
 has receiv$ "u ?is subsection on behalf
 ( eligible families )9 a reasonable    
p]iod ( "t1 ! ,secret>y may (fset !     
ag5cy's v\*] r5ewal allocations & may   
revoke & r$i/ribute any unleas$ v\*]s & 
associat$ funds1 :i* may include        
adm9i/rative fees & am\nts allocat$ "u  
subsections 7a77#c7 & 7a77#d71 to o!r   
public h\s+ ag5cies4  7#d7 ,limitation (
 use ( funds ,public h\s+ ag5cies may   
use funds receiv$ "u ?is section only = 
! activities li/$ 9 subsection 7a7 = :i*
 ! funds 7 provid$ to su* ag5cy4  7#e7  
,cap on project-bas$ v\*]s = vuln]able  
populations ,^u reque/ by a public h\s+ 
ag5cy1 ! ,secret>y may designate a numb]
 ( ! public h\s+ ag5cy's v\*]s allocat$ 
"u ?is section z except$ units t d n    

c\nt aga9/ ! p]c5tage limitation on !   
numb] ( au?oriz$ units a public h\s+    
ag5cy may project-base "u section       
#h7o77#ac77;,b7 ( ! ,unit$ ,/ates ,h\s+ 
,act ( #aicg1 9 accordance ) !          
conditions e/abli%$ by ! ,secret>y4 ,?is
 p>agraph may n be con/ru$ to waive1    
limit1 or specify alt]native            
requirem5ts1 or p]mit su* waiv]s1       
limitations1 or alt]native requirem5ts1 
relat$ to fair h\s+ & nondiscrim9ation1 
includ+ ! requirem5t to provide h\s+ &  
s]vices to individuals ) disabilities 9 
integrat$ sett+s4  7#f7 ,homeless waiv] 
au?ority ,9 adm9i/]+ ! v\*] assi/ance   
t>get$ = h\seholds exp]i5c+ or at risk (
 homelessness1 survivors ( dome/ic      
viol5ce1 dat+ viol5ce1 sexual assault1 &
 /alk+1 & survivors ( traffick+ "u      
subsection 7a77#b71 ! ,secret>y may1 ^u 
a f9d+ t a waiv] or alt]native          
requirem5t is necess>y to facilitate !  
use ( su* assi/ance1 waive or specify   
alt]native requirem5ts =-- 7,a7 section 
#h7o77#f77;,a7 ( ! ,unit$ ,/ates ,h\s+  

,act ( #aicg 7#db ,u4,s4,c4             
#adcg;f7o77#f77;,a77 & regulatory       
provisions relat$ to ! adm9i/ration (   
wait+ li/s & local pref]5ces2  7,b7     
section #bad7;d77#b7 ( ! ,h\s+ &        
,community ,developm5t ,act ( #aihj 7#db
 ,u4,s4,c4 #adcf;a7d77#b771 section     
#egf7;a71 7b71 & 7c7 ( ! ,quality ,h\s+ 
& ,"w ,responsibility ,act ( #aiih 7#db 
,u4,s4,c4 #acffa7;a71 7b71 & 7c771 &    
regulatory provisions relat$ to !       
v]ification ( eligibility1 eligibility  
requirem5ts1 & ! admissions process2    
7,c7 section #h7o777#g77;,a7 ( ! ,unit$ 
,/ates ,h\s+ ,act ( #aicg 7#db ,u4,s4,c4
 #adcg;f7o77#g77;,a77 & regulatory      
provisions relat$ to ! initial lease    
t]m2  7,d7 section #h7r77,b77i7 ( !     
,unit$ ,/ates ,h\s+ ,act ( #aicg 7#db   
,u4,s4,c4 #adcg;f7r77,b77i77 &          
regulatory provisions relat$ to         
portability moves by non-resid5t        
applicants2 &  7,e7 regulatory          
provisions relat$ to ! e/abli%m5t (     
paym5t /&>ds4  7c7 ,implem5tation ,!    

,secret>y %all h au?ority to issue su*  
regulations1 notices1 or o!r guidance1  
=ms1 in/ructions1 & publications to c>ry
 out ! programs1 projects1 or activities
 au?oriz$ "u ?is section to ensure t su*
 programs1 projects1 or activities are  
complet$ 9 a timely & effective mann]4  
#aaj4 ,project-bas$ r5tal assi/ance  7a7
 ,appropriation ,9 addition to am\nts   
o!rwise available1 !re is appropriat$ to
 ! ,secret>y ( ,h\s+ & ,urban           
,developm5t 79 ?is section ref]r$ to z !
 ,secret>y7 = fiscal ye> #bjbf1 out (   
any money 9 ! ,treasury n o!rwise       
appropriat$--  7#a7 #hhj1jjj1jjj = !    
project-bas$ r5tal assi/ance program1 z 
au?oriz$ "u section #h7;b7 ( ! ,unit$   
,/ates ,h\s+ ,act ( #aicg 7#db ,u4,s4,c4
 #adcg;f7b771 79 ?is section ref]r$ to z
 ! 8,act071 subject to ! t]ms &         
conditions ( subsection 7b7 ( ?is       
section2  7#b7 #bj1jjj1jjj = provid+    
te*nical assi/ance to recipi5ts ( or    
applicants = project-bas$ r5tal         
assi/ance or to ,/ates allocat+ !       

project-bas$ r5tal assi/ance2 &  7#c7   
#ajj1jjj1jjj = ! co/s to ! ,secret>y (  
adm9i/]+ & ov]see+ ! implem5tation ( ?is
 section & ! section #h project-bas$    
r5tal assi/ance program g5]ally1 includ+
 in=mation te*nology1 f9ancial report+1 
rese>* & evaluations1 o!r cross-program 
co/s 9 support ( programs adm9i/]$ by ! 
,secret>y 9 ?is title1 & o!r co/s4      
,am\nts appropriat$ by ?is section %all 
rema9 available until ,septemb] #cj1    
#bjcc4  7b7 ,t]ms & conditions  7#a7    
,au?ority ,not)/&+ section #h7;a7 ! ,act
 7#db ,u4,s4,c4 #adcg;f7a771 ! ,secret>y
 may use am\nts made available "u ?is   
section to provide assi/ance paym5ts )  
respect to newly con/ruct$ h\s+1 exi/+  
h\s+1 or sub/antially rehabilitat$      
non-h\s+ /ructures = use z new          
multifamily h\s+ 9 accordance ) ?is     
section & ! provisions ( section #h ( ! 
,act4 ,9 addition1 ! ,secret>y may use  
am\nts made available "u ?is section =  
p]=mance-bas$ contract adm9i/rators =   
section #h project-bas$ assi/ance1 =    

c>ry+ out ?is section & section #h ( !  
,act4  7#b7 ,project-bas$ r5tal         
assi/ance ,! ,secret>y may make         
assi/ance paym5ts us+ am\nts made       
available "u ?is section pursuant to    
contracts ) own]s or prospective own]s  
:o agree to con/ruct h\s+1 to           
sub/antially rehabilitate exi/+ h\s+1 to
 sub/antially rehabilitate non-h\s+     
/ructures = use z new multifamily h\s+1 
or to atta* ! assi/ance to newly        
con/ruct$ h\s+ 9 :i* "s or all ( ! units
 %all be available = occupancy by v     
l[-income families 9 accordance ) !     
provisions ( section #h ( ! ,act4 ,9    
aw>d+ contracts pursuant to ?is section1
 ! ,secret>y %all give priority to own]s
 or prospective own]s ( multifamily h\s+
 projects locat$ or to be locat$ 9 areas
 ( high opportunity1 z def9$ by !       
,secret>y1 9 areas exp]i5c+ economic    
gr[? or ris+ h\s+ prices to prev5t      
displacem5t or secure af=dable h\s+ =   
l[-income h\seholds1 or t s]ve p at risk
 ( homelessness or t integrate          

additional units t are accessible =     
p]sons ) mobility impairm5ts & p]sons ) 
he>+ or visual impairm5ts beyond ^?     
requir$ by applicable ,f$]al            
accessibility /&>ds4  7#c7 ,allocation  
,! ,secret>y %all make aw>ds ) am\nts   
made available "u ?is section us+ !     
foll[+ me*anisms1 alone or 9 comb9ation3
  7,a7 ,a competitive process1 :i* !    
,secret>y may c>ry out 9 multiple r\nds 
( competition1 ea* ( :i* may h its own  
selection1 p]=mance1 & report+ crit]ia z
 e/abli%$ by ! ,secret>y4  7,b7 ,select+
 proposals submitt$ ?r\gh ,,fha loan    
applications t meet specifi$ crit]ia4   
7,c7 ,delegat+ to ,/ates ! aw>d+ (      
contracts1 includ+ relat$ det]m9ations  
su* z ! maximum mon?ly r5t1 subject to !
 requirem5ts ( section #h ( ! ,act1 z   
det]m9$ by ! ,secret>y4  7#d7 ,contract 
t]m1 r5t sett+1 & r5t adju/m5ts ,!      
,secret>y may set ! t]ms ( ! contract1  
includ+ ! duration & provisions reg>d+  
r5t sett+ & r5t adju/m5ts4  7c7         
,implem5tation ,! ,secret>y %all h !    

au?ority to issue su* regulations1      
notices1 or o!r guidance1 =ms1          
in/ructions1 & publications to c>ry out 
! programs1 projects1 or activities     
au?oriz$ "u ?is section to ensure t su* 
programs1 projects1 or activities are   
complet$ 9 a timely & effective mann]4  
#aaa4 ,inve/m5ts 9 ,native ,am]ican     
,communities  7a7 ,appropriation ,9     
addition to am\nts o!rwise available1   
!re is appropriat$ to ! ,secret>y (     
,h\s+ & ,urban ,developm5t 79 ?is       
section ref]r$ to z ! ,secret>y7 =      
fiscal ye> #bjbf1 out ( any money 9 !   
,treasury n o!rwise appropriat$--  7#a7 
#bgg1ejj1jjj = =mula grants = eligible  
af=dable h\s+ activities describ$ 9     
section #bjb ( ! ,native ,am]ican ,h\s+ 
,assi/ance & ,self-,det]m9ation ,act (  
#aiif 79 ?is section ref]r$ to z        
,,nahasda7 7#be ,u4,s4,c4 #dacb71 :i*   
%all be di/ribut$ accord+ to ! mo/ rec5t
 fiscal ye> fund+ =mula = ! ,indian     
,h\s+ ,block ,grant2  7#b7 #bjj1jjj1jjj 
=--  7,a7 af=dable h\s+ activities      

au?oriz$ "u section #haj7;a7 ( ,,nahasda
 7#be ,u4,s4,c4 #dbbi72  7,b7           
community-wide infra/ructure &          
infra/ructure improvem5t projects c>ri$ 
out on ,hawaiian ,home ,l&s pursuant to 
section #haj7;b77#e7 ( ,,nahasda 7#be   
,u4,s4,c4 #dbbi7;b77#e772 &  7,c7 r5tal 
assi/ance to ,native ,hawaiians 7z def9$
 9 section #hja ( ,,nahasda 7#be        
,u4,s4,c4 #dbba77 on & (f ,hawaiian     
,home ,l&s2  7#c7 #bgg1ejj1jjj =        
competitive grants = eligible af=dable  
h\s+ activities describ$ 9 section #bjb 
( ,,nahasda 7#be ,u4,s4,c4 #dacb72  7#d7
 #bjj1jjj1jjj =-- 7,a7 competitive      
s+le-purpose ,indian community          
developm5t block grants = ,indian       
tribes2 &  7,b7 imm95t ?reat ,indian    
community developm5t block grants1      
includ+ = long-t]m environm5tal ?reats &
 relocation1 = ,indian tribes1 or a     
tribal organization1 gov]nm5tal entity1 
or nonpr(it organization designat$ by ! 
,indian tribe to apply = a grant on its 
behalf2  7#e7 #be1jjj1jjj = ! co/s to ! 

,secret>y ( adm9i/]+ & ov]see+ !        
implem5tation ( ?is section & ,indian & 
,native ,hawaiian programs adm9i/]$ by !
 ,secret>y1 includ+ in=mation te*nology1
 f9ancial report+1 rese>* & evaluations1
 o!r cross-program co/s 9 support (     
programs adm9i/]$ by ! ,secret>y 9 ?is  
title1 & o!r co/s2 &  7#f7 #bj1jjj1jjj  
to make new aw>ds or increase prior     
aw>ds to te*nical assi/ance provid]s to 
provide an imm$iate increase 9 capacity 
build+ & te*nical assi/ance to grantees4
  ,am\nts appropriat$ by ?is section    
%all rema9 available until ,septemb]    
#cj1 #bjcc4  7b7 ,reallocation ,am\nts  
made available "u subsection 7a77#a7 t  
are n accept$ )9 a "t specifi$ by !     
,secret>y1 are volunt>ily return$1 or   
are o!rwise recaptur$ = any reason %all 
be us$ to fund grants "u p>agraph 7#c7  
or 7#d7 ( subsection 7a74  7c7          
,undisburs$ funds ,am\nts provid$ "u ?is
 ,act t rema9 undisburs$ may n be us$ z 
a basis to r$uce any grant allocation "u
 section #cjb ( ,,nahasda 7#be ,u4,s4,c4

 #daeb7 to an ,indian tribe 9 any fiscal
 ye>4  7d7 ,prohibition on inve/m5ts    
,am\nts made available "u ?is section   
may n be inve/$ 9 inve/m5t securities & 
o!r obligations4  7e7 ,implem5tation ,! 
,secret>y %all h au?ority to issue su*  
regulations1 notices1 or o!r guidance1  
=ms1 in/ructions1 & publications to c>ry
 out ! programs1 projects1 or activities
 au?oriz$ "u ?is section to ensure t su*
 programs1 projects1 or activities are  
complet$ 9 a timely & effective mann]4  
#aab4 ,increas$ af=dable h\s+ program   
inve/m5t ,not)/&+ subsection            
7j77#e77;,c7 ( section #aj ( ! ,f$]al   
,home ,loan ,bank ,act 7#ab ,u4,s4,c4   
#adcj71 9 #bjbf & e ye> !reaft] until   
#bjca1 ea* ,f$]al ,home ,loan ,bank %all
 annually contribute #ae p]c5t ( !      
prec$+ ye>'s net income ( ! ,f$]al ,home
 ,bank1 or su* prorat$ sums z may be    
requir$ to assure t ! aggregate         
contribution ( ! ,f$]al ,home ,loan     
,banks %all n be less ?an #ajj1jjj1jjj =
 ea* su* ye>1 to support grants or      

subsidiz$ advances ?r\gh ! ,af=dable    
,h\s+ ,programs e/abli%$ & c>ri$ out "u 
subp>agraphs 7j77#a71 7#b71 7#c77;,a71  
7#c77;,c71 & 7#d7 ?r\gh 7#ac7 ( section 
#aj ( su* ,act4  #aac4 ,promot+ h\s+    
accessibility & visitability  7a7       
,accessibility requirem5t ,! ,secret>y (
 ,h\s+ & ,urban ,developm5t %all issue a
 rule am5d+ sections #h4bb & #h4bc (    
title #bd1 ,code ( ,f$]al ,regulations  
to require t-- 7#a7 n less ?an #aj p]c5t
 ( total dwell+ units or "o dwell+ unit1
 :i*ev] is great]1 9 ea* multifamily    
h\s+ project %all be accessible = p]sons
 ) mobility impairm5ts2 &  7#b7 9       
addition to ! units meet+ ! requirem5ts 
( p>agraph 7#a71 n less ?an #e p]c5t (  
total dwell+ units or "o dwell+ unit1   
:i*ev] is great]1 9 ea* multifamily h\s+
 project %all be %all be accessible =   
p]sons ) he>+ or vision impairm5ts4  7b7
 ,visitability requirem5t  7#a7         
,requirem5t ,x %all be unlawful = any   
p]son or entity1 ) respect to a cov]$   
dwell+ unit design$1 con/ruct$1 or      

commission$1 contract$1 or o!rwise      
arrang$ = con/ruction1 by ! p]son or    
entity1 to fail to ensure t ! dwell+    
unit conta9s n less ?an #a level t      
complies ) ! ,/&>ds = ,type ,c          
7,visitable7 ,units ( ! ,am]ican        
,national ,/&>ds ,in/itute 7commonly    
kn[n z ,,ansi7 ,/&>ds = ,accessible &   
,usable ,build+s & ,facilities 7section 
#ajje ( ,,icc ,,ansi ,a#aag4a-bjji7 or  
any successor /&>d4  7#b7 ,def9itions ,z
 us$ 9 ?is subsection3 7,a7 ,cov]$      
dwell+ unit ,! t]m cov]$ dwell+ unit    
means a dwell+ unit t--  7i7 is-- 7,i7 a
 deta*$ s+le-family h\se2  7,,ii7 a     
t[nh\se or multi-level dwell+ unit 7:e!r
 deta*$ or atta*$ to o!r units or       
/ructures72 or  7,,iii7 a gr\nd-floor   
unit 9 a build+ ( n m ?an #c dwell+     
units2  7ii7 is design$ z1 or int5d$ =  
occupancy z1 a resid5ce2  7iii7 0       
design$1 con/ruct$1 or commission$1     
contract$1 or o!rwise arrang$ =         
con/ruction1 by any p]son or entity t1  
at any "t be=e ! design or con/ruction1 

receiv$ or 0 gu>ante$ ,f$]al f9ancial   
assi/ance = any program or activity     
relat+ to ! design1 con/ruction1 or     
commission+1 contract+1 or o!r          
arrangem5t = con/ruction1 ( ! dwell+    
unit2 &  7iv7 is made available = fir/  
occupancy on or aft] ! date t is #a ye> 
aft] ! date ( enactm5t ( ?is ,act4  7,b7
 ,f$]al f9ancial assi/ance ,! t]m ,f$]al
 f9ancial assi/ance means--  7i7 any    
assi/ance t is provid$ or o!rwise made  
available by ! ,secret>y ( ,h\s+ &      
,urban ,developm5t or ! ,secret>y (     
,vet]ans ,affairs1 or "u any program or 
activity ( ! ,dep>tm5t ( ,h\s+ & ,urban 
,developm5t or ! ,dep>tm5t ( ,vet]ans   
,affairs1 ?r\gh any grant1 loan1        
contract1 or any o!r arrangem5t1 on or  
aft] ! date t is #a ye> aft] ! date (   
enactm5t ( ?is ,act1 includ+-- 7,i7 a   
grant1 a subsidy1 or any o!r funds2     
7,,ii7 s]vice provid$ by a ,f$]al       
employee2  7,,iii7 real or p]sonal      
prop]ty or any int]e/ 9 or use ( su*    
prop]ty1 includ+--  7aa7 a transf] or   

lease ( ! prop]ty = less ?an ! fair     
m>ket value or = r$uc$ consid]ation2 &  
7bb7 proce$s f a subsequ5t transf] or   
lease ( ! prop]ty if ! ,f$]al %>e ( !   
fair m>ket value is n return$ to !      
,f$]al ,gov]nm5t2  7,,iv7 any-- 7aa7 tax
 cr$it2 or  7bb7 mortgage or loan       
gu>antee or insurance2 &  7,v7 community
 developm5t funds 9 ! =m ( an obligation
 gu>ante$ "u section #ajh ( ! ,h\s+ &   
,community ,developm5t ,act ( #aigd 7#db
 ,u4,s4,c4 #ecjh72 &  7ii7 any assi/ance
 t is provid$ or o!rwise made available 
by ! ,secret>y ( ,agriculture "u title  
,v ( ! ,h\s+ ,act ( #aidi 7#db ,u4,s4,c4
 #adga et seq474  ,,ii #ba/ ,c5tury     
,su/a9able & ,equitable ,communities    
#bja4 ,community developm5t block grant 
fund+ = af=dable h\s+ & infra/ructure   
7a7 ,appropriation ,9 addition to am\nts
 o!rwise available1 !re is appropriat$  
to ! ,secret>y ( ,h\s+ & ,urban         
,developm5t 79 ?is section ref]r$ to z !
 ,secret>y7 = fiscal ye> #bjbf1 out (   
any money 9 ! ,treasury n o!rwise       

appropriat$--  7#a7 #a1gce1jjj1jjj =    
grants 9 accordance ) sections #aja1    
#ajb1 #ajc1 #ajd7;a7 ?r\gh #ajd7;i71    
#ajd7l71 #ajd7m71 #aje7;a7 ?r\gh        
#aje7;g71 #ajf7;a77#b71 #ajf7;a77#d71   
#ajf7;b7 ?r\gh #ajf7;f71 #aji1 #aaj1    
#aaa1 #aac1 #aae1 #aaf1 #abj1 & #abb ( !
 ,h\s+ & ,community ,developm5t ,act (  
#aigd 7#db ,u4,s4,c4 #ecja1 #ecjb1      
#ecjc1 #ecjd7;a7-7i71 #ecjd7l71         
#ecjd7m71 #ecje7;a7-7g71 #ecjf7;a77#b71 
#ecjf7;a77#d71 #ecjf7;b7-7f71 #ecji1    
#ecaj1 #ecaa1 #ecac1 #ecae1 #ecaf1      
#ecai1 & #ecba7 to grantees "u          
subsections 7a77#b7 & 7#d7 & 7d7 (      
section #ajf ( su* ,act 7#db ,u4,s4,c4  
#ecjf7;a77#b71 7a77#d71 & 7d771 subject 
to subsection 7b7 ( ?is section1 except 
t = purposes ( am\nts made available by 
?is p>agraph1 p>agraph 7#b7 ( su*       
section #ajf7;a7 %all be appli$ by      
sub/itut+ #gj1jjj1jjj = #g1jjj1jjj2     
7#b7 #gjj1jjj1jjj = grants 9 accordance 
) sections #aja1 #ajb1 #ajc1 #ajd7;a7   
?r\gh #ajd7;i71 #ajd7l71 #ajd7m71       

#aje7;a7 ?r\gh #aje7;g71 #ajf7;a77#b71  
#ajf7;a77#d71 #ajf7;b7 ?r\gh #ajf7;f71  
#aji1 #aaj1 #aaa1 #aac1 #aae1 #aaf1     
#abj1 & #abb ( title ,i ( ! ,h\s+ &     
,community ,developm5t ,act ( #aigd 7#db
 ,u4,s4,c4 #ecja1 #ecjb1 #ecjc1         
#ecjd7;a7-7i71 #ecjd7l71 #ecjd7m71      
#ecje7;a7-7g71 #ecjf7;a77#b71           
#ecjf7;a77#d71 #ecjf7;b7-7f71 #ecji1    
#ecaj1 #ecaa1 #ecac1 #ecae1 #ecaf1      
#ecai1 & #ecba7 to community developm5t 
block grant grantees1 z det]m9$ by !    
,secret>y1 "u subsections 7a77#d7 & 7b7 
?r\gh 7f7 ( section #ajf ( su* ,act     
7#ecjf7;a77#d7 & #ecjf7;b7-7f771 only = 
colonias1 to address ! community & h\s+ 
infra/ructure ne$s ( exi/+ colonia      
resid5ts bas$ on a =mula t takes into   
acc\nt p]sons 9 pov]ty 9 ! colonia      
areas1 except t grantees may use funds 9
 colonias outside ( ! #aej-mile bord]   
area ^u approval ( ! ,secret>y2  7#c7   
#ejj1jjj1jjj = grants 9 accordance )    
sections #aja1 #ajb1 #ajc1 #ajd7;a7     
?r\gh #ajd7;i71 #ajd7l71 #ajd7m71       

#aje7;a7 ?r\gh #aje7;g71 #ajf7;a77#b71  
#ajf7;a77#d71 #ajf7;b7 ?r\gh #ajf7;f71  
#aji1 #aaj1 #aaa1 #aac1 #aae1 #aaf1     
#abj1 & #abb ( title ,i ( ! ,h\s+ &     
,community ,developm5t ,act ( #aigd 7#db
 ,u4,s4,c4 #ecja1 #ecjb1 #ecjc1         
#ecjd7;a7-7i71 #ecjd7l71 #ecjd7m71      
#ecje7;a7-7g71 #ecjf7;a77#b71           
#ecjf7;a77#d71 #ecjf7;b7-7f71 #ecji1    
#ecaj1 #ecaa1 #ecac1 #ecae1 #ecaf1      
#ecai1 & #ecba71 to eligible recipi5ts  
"u subsection 7c7 ( ?is section =       
manufactur$ h\s+ infra/ructure          
improvem5ts 9 eligible manufactur$ home 
communities2  7#d7 #hg1ejj1jjj = ! co/s 
to ! ,secret>y ( adm9i/]+ & ov]see+ !   
implem5tation ( ?is section1 !          
,community ,developm5t ,block ,grant    
program1 & ! manufactur$ home           
con/ruction & safety /&>ds program      
g5]ally1 includ+ in=mation te*nology1   
f9ancial report+1 rese>* & evaluations1 
o!r cross-program co/s 9 support (      
programs adm9i/]$ by ! ,secret>y 9 ?is  
title1 & o!r co/s2 &  7#e7 #bg1ejj1jjj =

 provid+ te*nical assi/ance to recipi5ts
 ( or applicants = grants "u ?is        
section4  ,am\nts appropriat$ by ?is    
section %all rema9 available until      
,septemb] #cj1 #bjcc4  7b7 ,h\s+        
con/ruction ,exp5ditures on new         
con/ruction ( h\s+ %all be an eligible  
exp5se = a recipi5t ( funds made        
available "u ?is section t is n a       
recipi5t ( funds "u section #djjjb ( ?is
 title4  7c7 ,manufactur$ h\s+ community
 improvem5t grant program  7#a7         
,e/abli%m5t ,! ,secret>y ( ,h\s+ &      
,urban ,developm5t %all c>ry out a      
competitive grant program to aw>d funds 
appropriat$ "u subsection 7a77#c7 to    
eligible recipi5ts to c>ry out eligible 
projects = improvem5ts 9 eligible       
manufactur$ home communities4  7#b7     
,eligible projects ,am\nts f grants "u  
?is subsection %all be us$ to assi/ 9   
c>ry+ out a project = con/ruction1      
recon/ruction1 repair1 or cle>ance (    
h\s+1 facilities & improvem5ts 9 or s]v+
 a manufactur$ h\s+ community t is      

necess>y to protect ! heal? & safety ( !
 resid5ts ( ! manufactur$ h\s+ community
 & ! long-t]m su/a9ability ( !          
community4  7d7 ,def9itions ,= purposes 
( ?is section1 ! foll[+ def9itions %all 
apply3 7#a7 ,colonia area ,! t]m colonia
 area means any c5sus tract t--  7,a7 is
 an area ( ! ,unit$ ,/ates )9 #aej miles
 ( ! contigu\s bord] betwe5 ! ,unit$    
,/ates & ,mexico1 except z o!rwise      
det]m9$ by ! ,secret>y2 &  7,b7 lacks   
potable wat] supply1 adequate sewage    
sy/ems1 or dec5t1 safe1 sanit>y h\s+1 or
 o!r objective crit]ia z approv$ by !   
,secret>y4  7#b7 ,eligible manufactur$  
home community ,! t]m eligible          
manufactur$ home community means a      
community t-- 7,a7 is af=dable to l[- & 
mod]ate-income p]sons 7z su* t]m is     
def9$ 9 section #ajb7;a7 ( ! ,h\s+ &    
,community ,developm5t ,act ( #aigd 7#db
 ,u4,s4,c4 #ecjb7;a7772 &  7,b7  7i7 is 
own$ by ! resid5ts ( ! manufactur$ h\s+ 
community ?r\gh a resid5t-controll$     
entity1 z def9$ by ! ,secret>y1 9 :i* at

 lea/ two-?irds ( resid5ts are          
memb]-own]s ( ! l&-own+ entity2 or  7ii7
 w be ma9ta9$ z su* a community1 & rema9
 af=dable = l[- & mod]ate-income        
families1 to ! maximum ext5t practicable
 & = ! longe/ p]iod feasible4  7#c7     
,eligible recipi5t ,! t]m eligible      
recipi5t means a p>tn]%ip (-- 7,a7 a    
grantee "u p>agraph 7#b7 or 7#d7 (      
section #ajf7;a7 or section #ajf7;d7 ( !
 ,h\s+ & ,community ,developm5t ,act (  
#aigd 7#db ,u4,s4,c4 #ecjf7;a77#b71     
7a77#d71 & 7d772 &  7,b7 an eligible    
manufactur$ home community1 a nonpr(it  
entity1 or a consortia ( nonpr(it       
entities work+ ) an eligible manufactur$
 home community4  7#d7 ,manufactur$ home
 community ,! t]m manufactur$ home      
community means any community1 c\rt1 or 
p>k equipp$ to accommodate manufactur$  
homes = :i* pad sites1 ) or )\t exi/+   
manufactur$ homes or o!r all[$ homes1 or
 o!r suitable sites1 are us$ prim>ily = 
resid5tial purposes1 ) any additional   
requirem5ts z det]m9$ by ! ,secret>y1   

includ+ any manufactur$ h\s+ community z
 su* t]m is us$ = purposes ( ! program (
 ! ,f$]al ,national ,mortgage           
,association = multifamily loans =      
manufactur$ h\s+ communities & ! program
 ( ! ,f$]al ,home ,loan ,mortgage       
,corporation = loans = manufactur$ h\s+ 
communities4  7e7 ,implem5tation ,!     
,secret>y %all h au?ority to issue su*  
regulations1 notices1 or o!r guidance1  
=ms1 in/ructions1 & publications to c>ry
 out ! programs1 projects1 or activities
 au?oriz$ "u ?is section to ensure t su*
 programs1 projects1 or activities are  
complet$ 9 a timely & effective mann]4  
#bjb4 ,lead-bas$ pa9t haz>d control &   
h\s+-relat$ heal? & safety haz>d        
mitigation 9 h\s+ ( families ) l[]      
incomes  7a7 ,appropriation ,9 addition 
to am\nts o!rwise made available1 !re is
 appropriat$ to ! ,secret>y ( ,h\s+ &   
,urban ,developm5t 79 ?is section ref]r$
 to z ! ,secret>y7 = fiscal ye> #bjbf1  
out ( any money 9 ! ,treasury n o!rwise 
appropriat$--  7#a7 #c1dbe1jjj1jjj =    

grants to ,/ates1 units ( g5]al local   
gov]nm5t1 ,indian tribes or _! tribally 
designat$ h\s+ entities1 & nonpr(it     
organizations = ! activities "u         
subsection 7c7 9 t>get h\s+ units t d n 
receive ,f$]al h\s+ assi/ance o!r ?an   
assi/ance provid$ "u subsection #h7o7 ( 
! ,unit$ ,/ates ,h\s+ ,act ( #aicg 7#db 
,u4,s4,c4 #adcg;f7o771 exclud+ p>agraph 
7o77#ac7 ( su* section1 & common areas  
s]vic+ su* units1 :]e l[-income families
 reside or are expect$ to reside2  7#b7 
#bej1jjj1jjj = grants to ,/ates or units
 ( g5]al local gov]nm5t or nonpr(it     
entities = ! activities 9 subsection 7c7
 9 t>get h\s+ units1 & common areas     
s]vic+ su* units1 t are be+ assi/$ "u ! 
,wea!rization ,assi/ance ,program       
au?oriz$ "u "p ,a ( title ,,iv ( !      
,en]gy ,cons]vation & ,production ,act  
7#db ,u4,s4,c4 #fhfa-fhgb7 b are n      
assi/$ "u any o!r ,f$]al h\s+ program   
o!r ?an subsection #h7o7 ( ! ,unit$     
,/ates ,h\s+ ,act ( #aicg 7#db ,u4,s4,c4
 #adcg;f7o771 exclud+ p>agraph          

#h7o77#ac7 ( su* section2  7#c7         
#a1jjj1jjj1jjj = grants to own]s ( a    
prop]ty receiv+ project-bas$ r5tal      
assi/ance "u section #h ( ! ,unit$      
,/ates ,h\s+ ,act ( #aicg 7#db ,u4,s4,c4
 #adcg;f71 includ+ "u subsection        
7o77#ac7 ( su* section1 t meets !       
def9ition ( t>get h\s+ & t has n receiv$
 a grant = simil> purposes "u ?is ,act1 
= ! activities 9 subsection 7c71 except 
= abatem5t ( lead-bas$ pa9t by enclosure
 or encapsulation1 or int]im controls ( 
lead-bas$ pa9t haz>ds 9 t>get h\s+ units
 receiv+ su* assi/ance & common areas   
s]vic+ su* units2  7#d7 #ge1jjj1jjj =   
co/s relat$ to tra9+ & te*nical         
assi/ance to support id5tification &    
mitigation ( lead & h\s+-relat$ heal? & 
safety haz>ds1 rese>*1 & evaluation2 &  
7#e7 #bej1jjj1jjj = ! co/s to !         
,secret>y ( adm9i/]+ & ov]see+ !        
implem5tation ( ?is section1 & !        
,secret>y's lead haz>d r$uction & relat$
 programs g5]ally includ+ in=mation     
te*nology1 f9ancial report+1 rese>* &   

evaluations1 o!r cross-program co/s 9   
support ( programs adm9i/]$ by !        
,secret>y 9 ?is title1 & o!r co/s4      
,am\nts appropriat$ by ?is section %all 
rema9 available until ,septemb] #cj1    
#bjcc4  7b7 ,t]ms & conditions  7#a7    
,income eligibility det]m9ations ,!     
,secret>y may make income det]m9ations (
 eligibility = enrollm5t ( h\s+ units = 
assi/ance "u ?is section t are consi/5t 
) eligibility requirem5ts = grants aw>d$
 "u o!r ,f$]al means-te/$ programs1     
provid$ su* det]m9ation does n require  
additional action by o!r ,f$]al ag5cies4
  7#b7 ,h\s+ families ) "y *ildr5 ,an   
own] ( r5tal prop]ty t receives         
assi/ance "u subsection 7a77#c7 %all    
give priority 9 r5t+ units = :i* !      
lead-bas$ pa9t has be5 abat$ pursuant to
 subsection 7a77#c71 = n less ?an #c    
ye>s foll[+ ! completion ( lead abatem5t
 activities1 to families ) a *ild "u !  
age ( #f ye>s4  7#c7 ,adm9i/rative      
exp5ses ,a recipi5t ( a grant "u ?is    
section may use up to #aj p]c5t ( !     

grant = adm9i/rative exp5ses associat$ )
 ! activities fund$ by ?is section4  7c7
 ,eligible activities ,grants aw>d$ "u  
?is section %all be us$ = purposes (    
build+ capacity & conduct+ activities   
relat+ to te/+1 evaluat+1 & mitigat+    
lead-bas$ pa9t1 lead-bas$ pa9t haz>ds1 &
 h\s+-relat$ heal? & safety haz>ds2     
outrea*1 education1 & engagem5t )       
community /akehold]s1 includ+ /akehold]s
 9 disadvantag$ communities2 program    
evaluation & rese>*2 grant adm9i/ration1
 & o!r activities t directly or         
indirectly support ! "w "u ?is section1 
z applicable1 t )\t :i* su* activities  
c\ld n be conduct$4  7d7 ,def9itions ,= 
purposes ( ?is section1 ! foll[+        
def9itions1 & def9itions 9 p>agraphs    
7#a71 7#b71 7#c71 7#e71 7#f71 7#g71     
7#aj7 ?r\gh 7#ag71 & 7#bj7 ?r\gh 7#bg7 (
 section #ajjd ( ! ,resid5tial          
,lead-,bas$ ,pa9t ,haz>d ,r$uction ,act 
( #aiib 7#db ,u4,s4,c4 #dhea;b7#a7-7c71 
#db ,u4,s4,c4 #dhea;b7#e7-7g71 #db      
,u4,s4,c4 #dhea;b7#aj7-7ag71 #db        

,u4,s4,c4 #dhea;b7#bj7-7bg71 %all apply3
  7#a7 ,nonpr(it2 nonpr(it organization 
,! t]ms nonpr(it & nonpr(it organization
 mean a corporation1 community *e/1     
fund1 or f\ndation n organiz$ = pr(it1 b
 organiz$ & op]at$ exclusively =        
religi\s1 *>itable1 sci5tific1 te/+ =   
public safety1 lit]>y1 or educational   
purposes2 or an organization n organiz$ 
= pr(it b op]at$ exclusively = !        
promotion ( social welf>e4  7#b7 ,public
 h\s+2 public h\s+ ag5cy2 l[-income     
family ,! t]ms public h\s+1 public h\s+ 
ag5cy1 & l[-income family h ! same mean+
 giv5 su* t]ms 9 section #c7;b7 ( !     
,unit$ ,/ates ,h\s+ ,act ( #aicg 7#db   
,u4,s4,c4 #adcg;a7b774  7#c7 ,/ate2 unit
 ( g5]al local gov]nm5t ,! t]ms ,/ate & 
unit ( g5]al local gov]nm5t h ! same    
mean+ giv5 su* t]ms 9 section #ajb ( !  
,h\s+ & ,community ,developm5t ,act (   
#aigd 7#db ,u4,s4,c4 #ecjb74  7e7 ,grant
 compliance ,= any grant ( assi/ance "u 
?is section1 a ,/ate or unit ( g5]al    
local gov]nm5t may assume               

responsibilities = elem5ts ( grant      
compliance1 reg>dless ( :e!r x is !     
grant recipi5t1 if ! ,/ate or unit (    
g5]al local gov]nm5t is p]mitt$ to      
assume responsibility = ! applicable    
elem5t ( grant compliance = grants = :i*
 x is ! recipi5t "u section #ajaa ( !   
,resid5tial ,lead-,bas$ ,pa9t ,haz>d    
,r$uction ,act ( #aiib 7#db ,u4,s4,c4   
#dheb74  7f7 ,implem5tation ,! ,secret>y
 %all h ! au?ority to issue su*         
regulations1 notices1 or o!r guidance1  
=ms1 in/ructions1 & publications to c>ry
 out ! programs1 projects1 or activities
 au?oriz$ "u ?is section to ensure t su*
 programs1 projects1 or activities are  
complet$ 9 a timely & effective mann]4  
#bjc4 ,unlock+ possibilities program    
7a7 ,appropriation ,9 addition to am\nts
 o!rwise available1 !re is appropriat$  
to ! ,secret>y ( ,h\s+ & ,urban         
,developm5t = fiscal ye> #bjbf1 out (   
any money 9 ! ,treasury n o!rwise       
appropriat$--  7#a7 #a1fdf1jjj1jjj =    
aw>d+ grants "u section #aja1 #ajb1     

#ajc1 #ajd7;a7 ?r\gh #ajd7;i71 #ajd7l71 
#ajd7m71 #aje7;a7 ?r\gh #aje7;g71       
#ajf7;a77#b71 #ajf7;a77#d71 #ajf7;b7    
?r\gh #ajf7;f71 #aji1 #aaj1 #aaa1 #aac1 
#aae1 #aaf1 #abj1 & #abb ( ! ,h\s+ &    
,community ,developm5t ,act ( #aigd 7#db
 ,u4,s4,c4 #ecja1 #ecjb1 #ecjc1         
#ecjd7;a7-7i71 #ecjd7l71 #ecjd7m71      
#ecje7;a7-7g71 #ecjf7;a77#b71           
#ecjf7;a77#d71 #ecjf7;b7-7f71 #ecji1    
#ecaj1 #ecaa1 #ecac1 #ecae1 #ecaf1      
#ecai1 & #ecba7 aw>d$ on a competitive  
basis to eligible recipi5ts to c>ry out 
grants "u subsection 7c7 ( ?is section2 
7#b7 #h1jjj1jjj = rese>* & evaluation   
relat$ to h\s+ plann+ & o!r associat$   
co/s2  7#c7 #cj1jjj1jjj to provide      
te*nical assi/ance to grantees or       
applicants = grants made available by   
?is section2 &  7#d7 #ff1jjj1jjj = !    
co/s to ! ,secret>y ( adm9i/]+ & ov]see+
 ! implem5tation ( ?is section &        
community & economic developm5t programs
 ov]se5 by ! ,secret>y g5]ally1 includ+ 
in=mation te*nology1 f9ancial report+1  

rese>* & evaluations1 & o!r             
cross-program co/s 9 support ( programs 
adm9i/]$ by ! ,secret>y 9 ?is title1 &  
o!r co/s4  ,am\nts appropriat$ by ?is   
section %all rema9 available until      
,septemb] #cj1 #bjcc4  7b7 ,program     
e/abli%m5t ,! ,secret>y ( ,h\s+ & ,urban
 ,developm5t %all e/abli% a competitive 
grant program =-- 7#a7 plann+ grants to 
develop & evaluate h\s+ plans &         
sub/antially improve h\s+ /rategies2    
7#b7 /reaml9+ regulatory requirem5ts &  
%ort5 processes1 re=m zon+ codes1       
increas+ capacity to conduct h\s+       
inspections1 or o!r initiatives t r$uce 
b>ri]s to h\s+ supply ela/icity &       
af=dability2  7#c7 develop+ & evaluat+  
local or regional plans = community     
developm5t to sub/antially improve      
community developm5t /rategies relat$ to
 su/a9ability1 fair h\s+1 & location    
effici5cy2  7#d7 implem5tation & livable
 community inve/m5t grants2 &  7#e7     
rese>* & evaluation4  7c7 ,grants  7#a7 
,plann+ grants ,! ,secret>y %all1 "u    

selection crit]ia det]m9$ by !          
,secret>y1 aw>d grants "u ?is p>agraph  
on a competitive basis to eligible      
entities to assi/ plann+ activities1    
includ+ adm9i/ration ( su* activities1  
engagem5t ) community /akehold]s & h\s+ 
practition]s1 to-- 7,a7 develop h\s+    
plans2  7,b7 sub/antially improve ,/ate 
or local h\s+ /rategies2  7,c7 develop  
new regulatory requirem5ts & processes1 
re=m zon+ codes1 increas+ capacity to   
conduct h\s+ inspections1 or und]take   
o!r initiatives to r$uce b>ri]s to h\s+ 
supply ela/icity & af=dability2  7,d7   
develop local or regional plans =       
community developm5t2 &  7,e7           
sub/antially improve community          
developm5t /rategies1 includ+ /rategies 
to increase availability & access to    
af=dable h\s+1 to fur!r access to public
 transportation or to advance o!r       
su/a9able or location-effici5t community
 developm5t goals4  7#b7 ,implem5tation 
& livable community inve/m5t grants ,!  
,secret>y %all aw>d implem5tation grants

 "u ?is p>agraph on a competitive basis 
to eligible entities = ! purpose (      
implem5t+ & adm9i/]+-- 7,a7 complet$    
h\s+ /rategies & h\s+ plans & any plann+
 to affirmatively fur!r fair h\s+ )9 !  
mean+ ( subsections 7d7 & 7e7 ( section 
#hjh ( ! ,fair ,h\s+ ,act 7#db ,u4,s4,c4
 #fjh7 & applicable regulations & =     
community inve/m5ts t support ! goals   
id5tifi$ 9 su* h\s+ /rategies or h\s+   
plans2  7,b7 new regulatory requirem5ts 
& processes1 re=m$ zon+ codes1 increas$ 
capacity to conduct h\s+ inspections1 or
 o!r initiatives to r$uce b>ri]s to h\s+
 supply ela/icity & af=dability t are   
consi/5t ) a plan "u subp>agraph 7,a72  
7,c7 complet$ local or regional plans = 
community developm5t & any plann+ to    
increase availability & access to       
af=dable h\s+1 access to public         
transportation & o!r su/a9able or       
location-effici5t community developm5t  
goals4  7d7 ,coord9ation ) ,,fta        
,adm9i/rator ,to ! ext5t practicable1 ! 
,secret>y %all coord9ate ) ! ,f$]al     

,transit ,adm9i/rator 9 c>ry+ out ?is   
section4  7e7 ,def9itions ,= purposes ( 
?is section1 ! foll[+ def9itions apply3 
7#a7 ,eligible entity ,! t]m eligible   
entity means-- 7,a7 a ,/ate1 insul>     
area1 metropolitan city1 or urban c\nty1
 z su* t]ms are def9$ 9 section #ajb ( !
 ,h\s+ & ,community ,developm5t ,act (  
#aigd 7#db ,u4,s4,c4 #ecjb72 or  7,b7 = 
purposes ( grants "u subsection 7b77#a71
 a regional plann+ ag5cy or consortia4  
7#b7 ,h\s+ plan2 h\s+ /rategy  7,a7     
,h\s+ plan ,! t]m h\s+ plan means a plan
 ( an eligible entity to1 ) respect to !
 area )9 ! jurisdiction ( ! eligible    
entity--  7i7 mat* ! creation ( h\s+    
supply to exi/+ dem& & project$ dem&    
gr[? 9 ! area1 ) att5tion to prev5t+    
displacem5t ( resid5ts1 r$uc+ !         
conc5tration ( pov]ty1 & mean+fully     
r$uc+ & n p]petuat+ h\s+ segregation on 
! basis ( race1 color1 religion1 natural
 orig91 sex1 disability1 or familial    
/atus2  7ii7 increase ! af=dability (   
h\s+ 9 ! area1 increase ! accessibility 

( h\s+ 9 ! area = p ) disabilities1     
includ+ location-effici5t h\s+1 &       
pres]ve or improve ! quality ( h\s+ 9 ! 
area2  7iii7 r$uce b>ri]s to h\s+       
developm5t 9 ! area1 ) consid]ation =   
location effici5cy1 af=dability1 &      
accessibility2 &  7iv7 coord9ate ) !    
metropolitan transportation plan ( !    
area "u ! jurisdiction ( ! eligible     
entity1 or o!r regional plan4  7,b7     
,h\s+ /rategy ,! t]m h\s+ /rategy means 
! h\s+ /rategy requir$ "u section #aje (
 ! ,cran/on-,gonzalez ,national         
,af=dable ,h\s+ ,act 7#db ,u4,s4,c4     
#abgje74  7f7 ,co/s to grantees ,up to  
#ae p]c5t ( a recipi5t's grant may be   
us$ = adm9i/rative co/s4  7g7 ,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$]al ,gov]nm5t1 %all be    
eligible "u ?is section :5 necess>y &   
appropriate z a "p ( a natural haz>d    
mitigation project4  7h7 ,implem5tation 
,! ,secret>y %all h ! au?ority to issue 
su* regulations notices1 or o!r         
guidance1 =ms1 in/ructions1 &           
publications to c>ry out ! programs1    
projects1 or activities au?oriz$ "u ?is 
section to ensure t su* programs1       
projects1 or activities are complet$ 9 a
 timely & effective mann]4  #bjd4       
,/r5g!n+ resili5ce "u national flood    
insurance program  7a7 ,,nfip program   
activities  7#a7 ,cancellation ,all     
indebt$ness ( ! ,adm9i/rator ( ! ,f$]al 
,em]g5cy ,managem5t ,ag5cy "u any notes 
or o!r obligations issu$ pursuant to    
section #acji7;a7 ( ! ,national ,flood  
,insurance ,act ( #aifh 7#db ,u4,s4,c4  
#djaf7;a77 & section #ae7;e7 ( ! ,f$]al 

,insurance ,act ( #aief 7#db ,u4,s4,c4  
#bdad7;e771 & out/&+ z ( ! date ( !     
enactm5t ( ?is ,act1 is h]eby cancell$1 
! ,adm9i/rator & ! ,national ,flood     
,insurance ,fund are reliev$ ( all      
liability "u any su* notes or o!r       
obligations1 includ+ = any int]e/ due1  
includ+ capitaliz$ int]e/1 & any o!r    
fees & *>ges payable 9 connection ) su* 
notes & obligations4  7#b7 ,use ( sav+s 
= flood mapp+ ,9 addition to am\nts     
o!rwise available1 = ea* ( fiscal ye>s  
#bjbf & #bjbf1 an am\nt equal to !      
int]e/ ! ,national ,flood ,insurance    
,program w\ld h accru$ f s]vic+ !       
cancel$ debt "u p>agraph 7#a7 9 t fiscal
 ye>1 :i* %all be d]iv$ f (fsett+ am\nts
 collect$ "u section #acaj7;d7 ( !      
,national ,flood ,insurance ,act ( #aifh
 7#db ,u4,s4,c4 #djag7;d77 & %all rema9 
available until exp5d$ = activities     
id5tifi$ 9 section #ajjbaf 7b77#a77;,a7 
( ! ,bigg]t-,wat]s ,flood ,insurance    
,re=m ,act ( #bjab 7#db ,u4,s4,c4       
#daja;b7b77#a77;,a77 & relat$ sal>ies & 

adm9i/rative exp5ses4  7b7 ,means-,te/$ 
assi/ance = ,national ,flood ,insurance 
,program policyhold]s  7#a7             
,appropriation ,9 addition to am\nts    
o!rwise available1 !re is appropriat$ to
 ! ,adm9i/rator ( ! ,f$]al ,em]g5cy     
,managem5t ,ag5cy = fiscal ye> #bjbf1   
out ( any money 9 ! ,treasury n o!rwise 
appropriat$1 #fjj1jjj1jjj1 to rema9     
available until ,septemb] #cj1 #bjbh1 to
 provide assi/ance to eligible          
policyhold]s 9 ! =m ( graduat$ disc\nts 
= insurance co/s ) respect to cov]$     
prop]ties4  7#b7 ,t]ms & conditions     
7,a7 ,disc\nts ,! ,adm9i/rator %all use 
funds provid$ "u ?is subsection to      
e/abli% graduat$ disc\nts available to  
eligible policyhold]s "u ?is subsection1
 ) respect to cov]$ prop]ties1 :i* may  
be bas$ on ! foll[+ factors3  7i7 ,!    
p]c5tage by :i* ! h\sehold income ( !   
eligible policyhold] is equal to1 or    
less ?an1 #abj p]c5t ( ! area m$ian     
income = ! area 9 :i* ! prop]ty to :i* !
 policy applies is locat$4  7ii7 ,!     

numb] ( eligible policyhold]s p>ticipat+
 9 ! program au?oriz$ "u ?is subsection4
  7iii7 ,! availability ( fund+4  7,b7  
,di/ribution ( premium ,) respect to !  
am\nt ( ! disc\nts provid$ "u ?is       
subsection 9 a fiscal ye>1 & any        
adm9i/rative exp5ses incurr$ 9 c>ry+ out
 ?is subsection = t fiscal ye>1 !       
,adm9i/rator %all1 f am\nts made        
available to c>ry out ?is subsection = t
 fiscal ye>1 deposit 9 ! ,national      
,flood ,insurance ,fund e/abli%$ "u     
section #acaj ( ! ,national ,flood      
,insurance ,act ( #aifh 7#db ,u4,s4,c4  
#djag7 an am\nt equal to ^? disc\nts &  
adm9i/rative exp5ses1 except to ! ext5t 
t section #acaj;,a ( ! ,national ,flood 
,insurance ,act ( #aifh 7#db ,u4,s4,c4  
#djag;a7 applies to any portion ( ^?    
disc\nts or adm9i/rative exp5ses1 9 :i* 
case ! ,adm9i/rator %all deposit an     
am\nt equal to ^? am\nts to :i* su*     
section #acaj;,a applies 9 ! ,national  
,flood ,insurance ,res]ve ,fund e/abli%$
 "u su* section #acaj;,a4  7,c7         

,requirem5t on tim+ ,n lat] ?an #ba     
mon?s aft] ! date ( ! enactm5t ( ?is    
section1 ! ,adm9i/rator %all issue      
int]im guidance to implem5t ?is         
subsection :i* %all expire on ! lat] (--
 7i7 ! date t is #fj mon?s aft] ! date (
 ! enactm5t ( ?is section2 or  7ii7 !   
date on :i* a f9al rule issu$ to        
implem5t ?is subsection takes effect4   
7#c7 ,def9itions ,9 ?is subsection3     
7,a7 ,adm9i/rator ,! t]m ,adm9i/rator   
means ! ,adm9i/rator ( ! ,f$]al ,em]g5cy
 ,managem5t ,ag5cy4  7,b7 ,cov]$ prop]ty
 ,! t]m cov]$ prop]ty means--  7i7 a    
prim>y resid5tial dwell+ design$ = !    
occupancy ( f #a to #d families2 or     
7ii7 p]sonal prop]ty relat+ to a dwell+ 
describ$ 9 clause 7i7 or p]sonal prop]ty
 9 ! prim>y resid5tial dwell+ ( a r5t]4 
7,c7 ,eligible policyhold] ,! t]m       
eligible policyhold] means a policyhold]
 ) a h\sehold income t is n m ?an #abj  
p]c5t ( ! area m$ian income = ! area 9  
:i* ! prop]ty to :i* ! policy applies is
 locat$4  7,d7 ,insurance co/s ,! t]m   

insurance co/s means insurance premiums1
 fees1 & sur*>ges *>g$ "u ! ,national   
,flood ,insurance ,program1 ) respect to
 a cov]$ prop]ty = a ye>4  #bje4        
,community ,re/oration & ,revitalization
 ,fund  7a7 ,appropriation ,9 addition  
to am\nts o!rwise available1 !re is     
appropriat$ to ! ,community ,re/oration 
& ,revitalization ,fund e/abli%$ "u     
subsection 7b7 = fiscal ye> #bjbf1 out (
 any money 9 ! ,treasury n o!rwise      
appropriat$1 to rema9 available until   
,septemb] #cj1 #bjcc-- 7#a7             
#b1jjj1jjj1jjj = aw>ds ( plann+ &       
implem5tation grants "u section #aja1   
#ajb1 #ajc1 #ajd7;a7 ?r\gh #ajd7;i71    
#ajd7l71 #ajd7m71 #aje7;a7 ?r\gh        
#aje7;g71 #ajf7;a77#b71 #ajf7;a77#d71   
#ajf7;b7 ?r\gh #ajf7;f71 #aji1 #aaj1    
#aaa1 #aac1 #aae1 #aaf1 #abj1 & #abb ( !
 ,h\s+ & ,community ,developm5t ,act (  
#aigd 7#db ,u4,s4,c4 #ecja1 #ecjb1      
#ecjc1 #ecjd7;a7-7i71 #ecjd7l71         
#ecjd7m71 #ecje7;a7-7g71 #ecjf7;a77#b71 
#ecjf7;a77#d71 #ecjf7;b7-7f71 #ecji1    

#ecaj1 #ecaa1 #ecac1 #ecae1 #ecaf1      
#ecai1 & #ecba71 aw>d$ on a competitive 
basis to eligible recipi5ts1 z def9$ "u 
subsection 7c77#b7 ( ?is section1 to    
c>ry out community-l$ projects to create
 equitable civic infra/ructure & create 
or pres]ve af=dable1 accessible h\s+1   
includ+ creat+1 exp&+1 & ma9ta9+        
community l& tru/s & %>$ equity         
home[n]%ip programs2  7#b7 #ejj1jjj1jjj 
= plann+ & implem5tation grants "u      
section #aja1 #ajb1 #ajc1 #ajd7;a7 ?r\gh
 #ajd7;i71 #ajd7l71 #ajd7m71 #aje7;a7   
?r\gh #aje7;g71 #ajf7;a77#b71           
#ajf7;a77#d71 #ajf7;b7 ?r\gh #ajf7;f71  
#aji1 #aaj1 #aaa1 #aac1 #aae1 #aaf1     
#abj1 & #abb ( ! ,h\s+ & ,community     
,developm5t ,act ( #aigd 7#db ,u4,s4,c4 
#ecja1 #ecjb1 #ecjc1 #ecjd7;a7-7i71     
#ecjd7l71 #ecjd7m71 #ecje7;a7-7g71      
#ecjf7;a77#b7 #ecjf7;a77#d71            
#ecjf7;b7-7f71 #ecji1 #ecaj1 #ecaa1     
#ecac1 #ecae1 #ecaf1 #ecai1 & #ecba71   
aw>d$ on a competitive basis to eligible
 recipi5ts to create1 exp&1 & ma9ta9    

community l& tru/s & %>$ equity         
home[n]%ip1 includ+ ?r\gh ! acquisition1
 rehabilitation1 & new con/ruction (    
af=dable1 accessible h\s+2  7#c7        
#djj1jjj1jjj = ! ,secret>y to provide   
te*nical assi/ance1 capacity build+1 &  
program support to applicants1 pot5tial 
applicants1 & recipi5ts ( am\nts        
appropriat$ = grants "u ?is section2 &  
7#d7 #ajj1jjj1jjj = ! co/s to !         
,secret>y ( adm9i/]+ & ov]see+ !        
implem5tation ( ?is section & community 
& economic developm5t programs ov]se5 by
 ! ,secret>y g5]ally1 includ+ in=mation 
te*nology1 f9ancial report+1 rese>* &   
evaluations1 & o!r cross-program co/s 9 
support ( programs adm9i/]$ by !        
,secret>y 9 ?is title1 & o!r co/s4  7b7 
,e/abli%m5t ( ,fund ,! ,secret>y ( ,h\s+
 & ,urban ,developm5t 79 ?is section    
ref]r$ to z ! ,secret>y7 %all e/abli% a 
,community ,re/oration & ,revitalization
 ,fund 79 ?is section ref]r$ to z !     
,fund7 to aw>d plann+ & implem5tation   
grants on a competitive basis to        

eligible recipi5ts z def9$ 9 ?is section
 = activities au?oriz$ "u subsections   
7a7 ?r\gh 7g7 ( section #aje ( ! ,h\s+ &
 ,community ,developm5t ,act ( #aigd    
7#db ,u4,s4,c4 #ecje7 & "u ?is section =
 community-l$ af=dable h\s+ & civic     
infra/ructure projects4  7c7 ,eligible  
geographical areas1 recipi5ts1 &        
applicants  7#a7 ,geographical areas ,! 
,secret>y %all aw>d grants f ! ,fund to 
eligible recipi5ts )9 geographical areas
 at ! neighborhood1 c\nty1 or c5sus     
tract level1 includ+ c5sus tracts       
adjac5t to ! project area t are areas 9 
ne$ ( inve/m5t1 z demon/rat$ by two or m
 ( ! foll[+ factors3 7,a7 ,high &       
p]si/5t rates ( pov]ty4  7,b7           
,population at risk ( displacem5t due to
 ris+ h\s+ co/s4  7,c7 ,dwell+ unit     
sales prices t are l[] ?an ! co/ to     
acquire & rehabilitate1 or build1 a new 
dwell+ unit4  7,d7 ,high proportions (  
resid5tial & comm]cial prop]ties t are  
vacant due to =eclosure1 eviction1      
ab&onm5t1 or o!r causes4  7,e7 ,l[ rates

 ( home[n]%ip by race & e?nicity1       
relative to ! national home[n]%ip rate4 
7#b7 ,eligible recipi5t ,an eligible    
recipi5t ( a plann+ or implem5tation    
grant "u subsection 7a77#a7 or an       
implem5tation grant "u subsection       
7a77#b7 %all be a local p>tn]%ip ( a    
lead applicant & "o or m jo9t applicants
 ) ! ability to adm9i/] ! grant4 ,an    
eligible recipi5t ( a plann+ grant "u   
subsection 7b77#a7 %all be a lead       
applicant ) ! ability to adm9i/] !      
grant1 includ+ a regional1 ,/ate1 or    
national nonpr(it4  7d7 ,eligible       
recipi5ts & applicants  7#a7 ,lead      
applicant ,an eligible lead applicant = 
a grant aw>d$ "u ?is section %all be an 
entity t is locat$ )9 or s]ves !        
geographic area ( ! project1 or d]ives  
its mission & op]ational priorities f ! 
ne$s ( ! geographic area ( ! project1   
demon/rates a commitm5t to              
anti-displacem5t ef=ts1 & t is--  7,a7 a
 nonpr(it organization t has exp]tise 9 
community plann+1 engagem5t1 organiz+1  

h\s+ & community developm5t2  7,b7 a    
community developm5t corporation2  7,c7 
a community h\s+ developm5t             
organization2  7,d7 a community-bas$    
developm5t organization2 or  7,e7 a     
community developm5t f9ancial           
in/itution1 z def9$ by section #ajc ( ! 
,riegle ,community ,developm5t &        
,regulatory ,improvem5t ,act ( #aiid    
7#ab ,u4,s4,c4 #dgjb74  7#b7 ,jo9t      
applicants ,a jo9t applicant %all be an 
entity eligible to be a lead applicant 9
 p>agraph 7#a71 or a local1 regional1 or
 national--  7,a7 nonpr(it organization2
  7,b7 community developm5t f9ancial    
in/itution2  7,c7 unit ( g5]al local    
gov]nm5t2  7,d7 ,indian tribe2  7,e7    
,/ate h\s+ f9ance ag5cy2  7,f7 l& bank2 
7,g7 fair h\s+ en=cem5t organization 7z 
su* t]m is def9$ 9 section #efa ( !     
,h\s+ & ,community ,developm5t ,act (   
#aihg 7#db ,u4,s4,c4 #cfaf;a772  7,h7   
public h\s+ ag5cy2  7,i7 tribally       
designat$ h\s+ entity2 or  7,j7         
philan?ropic organization4  7#c7 ,lack (

 local entity ,a regional1 ,/ate1 or    
national nonpr(it organization may s]ve 
z a lead entity if !re is no local      
entity t meets ! geographic requirem5ts 
9 p>agraph 7#a74  7e7 ,uses ( funds     
7#a7 ,9 g5]al ,plann+ & implem5tation   
grants aw>d$ "u ?is section %all be us$ 
to support civic infra/ructure &        
h\s+-relat$ activities4  7#b7           
,implem5tation grants ,implem5tation    
grants aw>d$ "u ?is section may be us$ =
 activities eligible "u subsections 7a7 
?r\gh 7g7 ( section #aje ( ! ,h\s+ &    
,community ,developm5t ,act ( #aigd 7#db
 ,u4,s4,c4 #ecje7 & o!r activities to   
support civic infra/ructure &           
h\s+-relat$ activities1 includ+-- 7,a7  
new con/ruction ( h\s+2  7,b7 demolition
 ( ab&on$ or di/ress$ /ructures1 b only 
if su* activity is "p ( a /rategy t     
incorporates rehabilitation or new      
con/ruction1 anti-displacem5t ef=ts su* 
z t5ants' "r to return & "r ( fir/      
refusal to pur*ase1 & ef=ts to increase 
af=dable1 accessible h\s+ & home[n]%ip1 

except t n m ?an #aj p]c5t ( any grant  
made "u ?is section may be us$ =        
activities "u ?is subp>agraph unless !  
,secret>y det]m9es t su* use is to !    
b5efit ( exi/+ resid5ts2  7,c7          
facilitat+ ! creation1 ma9t5ance1 or    
availability ( r5tal units1 includ+     
units 9 mix$-use prop]ties1 af=dable &  
accessible to a h\sehold ^: income does 
n exce$ #hj p]c5t ( ! m$ian income = !  
area1 z det]m9$ by ! ,secret>y1 = a     
p]iod ( n less ?an #cj ye>s2  7,d7      
facilitat+ ! creation1 ma9t5ance1 or    
availability ( home[n]%ip units af=dable
 & accessible to h\seholds ^: incomes d 
n exce$ #abj p]c5t ( ! m$ian income = ! 
area1 z det]m9$ by ! ,secret>y2  7,e7   
e/abli%+ or op]at+ l& banks2 &  7,f7    
provid+ assi/ance to exi/+ resid5ts     
exp]i5c+ economic di/ress or at risk (  
displacem5t1 includ+ pur*as+ nonp]=m+   
mortgages & cle>+ & obta9+ =mal title4  
7#c7 ,community ,l& ,tru/ grants & %>$  
equity home[n]%ip grants ,an eligible   
recipi5t ( a community l& tru/ grant    

aw>d$ = e/abli%+ & op]at+ a community l&
 tru/ or %>$ equity home[n]%ip program2 
creation1 subsidization1 con/ruction1   
acquisition1 rehabilitation1 &          
pres]vation ( h\s+ 9 a community l& tru/
 or %>$ equity home[n]%ip program1 &    
exp&+ ! capacity ( ! recipi5t to c>ry   
out ! grant4  7f7 ,def9itions ,=        
purposes ( ?is section1 ! foll[+        
def9itions %all apply3 7#a7 ,community  
l& tru/ ,! t]m community l& tru/' means 
a nonpr(it organization or ,/ate or     
local gov]nm5ts or in/rum5talities t--  
7,a7 use a gr\nd lease or de$ cov5ant ) 
an af=dability p]iod ( at lea/ #cj ye>s 
or m to-- 7i7 make r5tal & home[n]%ip   
units af=dable to h\seholds2 &  7ii7    
/ipulate a preemptive option to pur*ase 
! af=dable r5tals or home[n]%ip units s 
t ! af=dability ( ! units is pres]v$ =  
successive income-eligible h\seholds2 & 
7,b7 monitor prop]ties to ensure        
af=dability is pres]v$4  7#b7 ,l& bank  
,! t]m l& bank means a gov]nm5t entity1 
ag5cy1 or program1 or a special purpose 

nonpr(it entity =m$ by "o or m units (  
gov]nm5t 9 accordance ) ,/ate or local  
l& bank enabl+ law1 t has be5 designat$ 
by "o or m ,/ate or local gov]nm5ts to  
acquire1 /ew>d1 & dispose ( vacant1     
ab&on$1 or o!r problem prop]ties 9      
accordance ) locally-det]m9$ priorities 
& goals4  7#c7 ,%>$ equity home[n]%ip   
program ,! t]m %>$ equity home[n]%ip    
program means a program to facilitate   
af=dable home[n]%ip pres]vation ?r\gh a 
resale re/riction program adm9i/]$ by a 
community l& tru/1 o!r nonpr(it         
organization1 or ,/ate or local gov]nm5t
 or in/rum5talities & t utilizes a gr\nd
 lease1 de$ re/riction1 subord9ate loan1
 or simil> me*anism t includes          
provisions ensur+ t ! program %all--    
7,a7 ma9ta9 ! home z af=dable =         
subsequ5t v l[-1 l[-1 or mod]ate-income 
families = an af=dability t]m ( at lea/ 
#cj ye>s aft] recordation2  7,b7 apply a
 resale =mula t limits ! home[n]'s      
proce$s ^u resale2 &  7,c7 provide !    
program adm9i/rator or su* adm9i/rator's

 assignee a preemptive option to pur*ase
 ! home[n]%ip unit f ! home[n] at       
resale4  7g7 ,implem5tation ,! ,secret>y
 %all h au?ority to issue su*           
regulations1 notices1 or o!r guidance1  
=ms1 in/ructions1 & publications to c>ry
 out ! programs1 projects1 or activities
 au?oriz$ "u ?is section to ensure t su*
 programs1 projects1 or activities are  
complet$ 9 a timely & effective mann]4  
#bjf4 ,fair h\s+ activities &           
inve/igations  7a7 ,appropriation ,9    
addition to am\nts o!rwise available1   
!re is appropriat$ to ! ,secret>y (     
,h\s+ & ,urban ,developm5t 79 ?is       
section ref]r$ to z ! ,secret>y7 =      
fiscal ye> #bjbf1 out ( any money 9 !   
,treasury n o!rwise appropriat$-- 7#a7  
#edj1jjj1jjj1 to rema9 available until  
,septemb] #cj1 #bjbh1 = ! ,fair ,h\s+   
,initiatives ,program "u section #efa ( 
! ,h\s+ & ,community ,developm5t ,act ( 
#aihg 7#db ,u4,s4,c4 #cfaf;a7 to ensure 
exi/+ & new fair h\s+ organizations h   
exp&$ & /r5g!n$ capacity to address fair

 h\s+ inquiries & compla9ts1 conduct    
local1 regional1 & national te/+ &      
inve/igations1 conduct education &      
outrea* activities1 & address co/s (    
deliv]+ or adapt+ s]vices to meet       
increas$ h\s+ m>ket activity & evolv+   
bus9ess practices 9 ! h\s+1 h\s+-relat$1
 & l5d+ m>kets4 ,am\nts made available  
"u ?is section %all support great]      
organizational cont9uity & capacity1    
includ+ ?r\gh up to #aj-ye> grants2 &   
7#b7 #afj1jjj1jjj1 to rema9 available   
until ,septemb] #cj1 #bjcc1 = ! co/s to 
! ,secret>y ( adm9i/]+ & ov]see+ !      
implem5tation ( ?is section & ! ,fair   
,h\s+ ,initiatives & ,fair ,h\s+        
,assi/ance ,programs g5]ally1 includ+   
in=mation te*nology1 f9ancial report+1  
rese>* & evaluations1 o!r cross-program 
co/s 9 support ( programs adm9i/]$ by ! 
,secret>y 9 ?is title1 & o!r co/s4  7b7 
,implem5tation ,! ,secret>y %all h      
au?ority to issue su* regulations1      
notices1 or o!r guidance1 =ms1          
in/ructions1 & publications to c>ry out 

! programs1 projects1 or activities     
au?oriz$ "u ?is section to ensure t su* 
programs1 projects1 or activities are   
complet$ 9 a timely & effective mann]4  
#bjg4 ,int]gov]nm5tal fair h\s+         
activities & inve/igations ,9 addition  
to am\nts o!rwise available1 !re is     
appropriat$ to ! ,secret>y ( ,h\s+ &    
,urban ,developm5t 79 ?is section ref]r$
 to z ! ,secret>y7 = fiscal ye> #bjbf1  
out ( any money 9 ! ,treasury n o!rwise 
appropriat$-- 7#a7 #ge1jjj1jjj = support
 = coop]ative ef=ts ) ,/ate & local     
ag5cies adm9i/]+ fair h\s+ laws "u      
section #hag ( ! ,fair ,h\s+ ,act 7#db  
,u4,s4,c4 #cfaf7 to assi/ ! ,secret>y to
 affirmatively fur!r fair h\s+1 & =     
,fair ,h\s+ ,assi/ance ,program         
coop]ative agreem5ts ) int]im c]tifi$ & 
c]tifi$ ,/ate & local ag5cies1 "u !     
requirem5ts ( subp>t ,c ( "p #aae (     
title #bd1 ,code ( ,f$]al ,regulations1 
to ensure exp&$ & /r5g!n$ capacity (    
sub/antially equival5t ag5cies to assume
 a great] %>e ( ! responsibility = !    

adm9i/ration & en=cem5t ( fair h\s+     
laws2 &  7#b7 #be1jjj1jjj = ! co/s to ! 
,secret>y ( adm9i/]+ & ov]see+ !        
implem5tation ( ?is section & ! ,fair   
,h\s+ ,assi/ance & ,fair ,h\s+          
,initiatives ,programs g5]ally1 includ+ 
in=mation te*nology1 f9ancial report+1  
rese>* & evaluations1 o!r cross-program 
co/s 9 support ( programs adm9i/]$ by ! 
,secret>y 9 ?is title1 & o!r co/s4      
,,iii ,home[n]%ip ,inve/m5ts  #cja4     
,fir/-,g5]ation ,d[npaym5t ,assi/ance   
7a7 ,appropriation ,9 addition to am\nts
 o!rwise available1 !re is appropriat$  
to ! ,fir/ ,g5]ation ,d[npaym5t ,fund to
 increase equal access to home[n]%ip1   
e/abli%$ "u subsection 7b7 = fiscal ye> 
#bjbf1 out ( any money 9 ! ,treasury n  
o!rwise appropriat$--  7#a7             
#f1hbe1jjj1jjj1 to rema9 available until
 ,septemb] #cj1 #bjbh1 = !              
,fir/-,g5]ation ,d[npaym5t ,assi/ance   
,fund "u ?is section = allocation to ea*
 ,/ate 9 accordance ) a =mula e/abli%$  
by ! ,secret>y1 :i* %all take into      

consid]ation be/ available data to      
approximate ! numb] ( pot5tial qualifi$ 
homebuy]s z def9$ 9 subsection 7e77#g7 z
 well z m$ian area home prices1 to c>ry 
out ! eligible uses ( ! ,fund z describ$
 9 subsection 7d72  7#b7 #b1bge1jjj1jjj1
 to rema9 available until ,septemb] #cj1
 #bjbh1 = ! ,fir/-,g5]ation ,d[npaym5t  
,assi/ance ,program "u ?is section =    
competitive grants to eligible entities 
to c>ry out ! eligible uses ( ! ,fund z 
describ$ 9 subsection 7d72  7#c7        
#ejj1jjj1jjj1 to rema9 available until  
,septemb] #cj1 #bjcc1 = ! co/s ( provid+
 h\s+ c\nsel+ requir$ "u !              
,fir/-,g5]ation ,d[npaym5t ,assi/ance   
,program "u subsection 7d77#a72 &  7#d7 
#djj1jjj1jjj1 to rema9 available until  
,septemb] #cj1 #bjcc1 = ! co/s to !     
,secret>y ( ,h\s+ & ,urban ,developm5t (
 adm9i/]+ & ov]see+ ! implem5tation ( ! 
,fir/-,g5]ation ,d[npaym5t ,assi/ance   
,program1 includ+ in=mation te*nology1  
f9ancial report+1 programmatic report+1 
rese>* & evaluations1 :i* %all include !

 program's impact on racial & e?nic     
disp>ities 9 home[n]%ip rates1 te*nical 
assi/ance to recipi5ts ( am\nts "u ?is  
section1 & o!r cross-program co/s 9     
support ( programs adm9i/]$ by !        
,secret>y 9 ?is ,act1 & o!r co/s4  7b7  
,e/abli%m5t ,! ,secret>y ( ,h\s+ &      
,urban ,developm5t %all e/abli% & manage
 a fund to be kn[n z ! ,fir/ ,g5]ation  
,d[npaym5t ,fund 79 ?is section ref]r$  
to z ! ,fund7 = ! uses set =? 9         
subsection 7d74  7c7 ,allocation (      
,funds  7#a7 ,initial allocation ,!     
,secret>y %all allocate & aw>d fund+    
provid$ by subsection 7a7 z provid$ "u  
su* subsection n lat] ?an #ab mon?s aft]
 ! date ( ! enactm5t ( ?is section4     
7#b7 ,reallocation ,if a ,/ate or       
eligible entity does n demon/rate !     
capacity to exp5d grant funds provid$ "u
 ?is section1 ! ,secret>y may recapture 
am\nts rema9+ available to a grantee t  
has n demon/rat$ ! capacity to exp5d su*
 funds 9 a mann] t fur!rs ! purposes (  
?is section & %all reallocate su* am\nts

 among any o!r ,/ates or eligible       
entities t h demon/rat$ to ! ,secret>y !
 capacity to exp5d su* am\nts 9 a mann] 
t fur!rs ! purposes ( ?is section4  7d7 
,t]ms & conditions ( grants allocat$ or 
aw>d$ f ,fund  7#a7 ,uses ( funds ,/ates
 & eligible entities receiv+ grants f ! 
,fund %all use su* grants to provide    
assi/ance to or on behalf ( a qualifi$  
homebuy] :o has complet$ a program (    
h\s+ c\nsel+ provid$ ?r\gh a h\s+       
c\nsel+ ag5cy approv$ by ! ,secret>y or 
o!r adequate homebuy] education be=e    
ent]+ into a sales pur*ase agreem5t =-- 
7,a7 co/s 9 connection ) ! acquisition1 
involv+ an eligible mortgage loan1 ( an 
eligible home1 includ+ d[npaym5t co/s1  
clos+ co/s1 & co/s to r$uce ! rates (   
int]e/ on eligible mortgage loans2  7,b7
 subsidies to make %>$ equity homes     
af=dable to eligible homebuy]s2 &  7,c7 
pre-occupancy home modifications to     
accommodate qualifi$ homebuy]s or memb]s
 ( _! h\sehold ) disabilities2  7#b7    
,am\nt ( assi/ance ,assi/ance "u ?is    

section--  7,a7 may be provid$ to or on 
behalf ( any qualifi$ homebuy]2  7,b7   
may be provid$ to or on behalf ( any    
qualifi$ homebuy] only once 9 ! =m (    
grants or =givable1 non-amortiz+1       
non-int]e/-be>+ loans t may only be     
requir$ to be repaid pursuant to        
p>agraph 7d77#d72 &  7,c7 may n exce$ ! 
great] ( #bj1jjj or #aj p]c5t ( !       
pur*ase price 9 ! case ( a qualifi$     
homebuy]1 n to include assi/ance receiv$
 "u subsection 7d77#a77;,c7 = disability
 relat$ home modifications1 except t !  
,secret>y may increase su* maximum      
limitation am\nts = qualifi$ homebuy]s  
:o are economically disadvantag$4  7#c7 
,prohibition ( priority or rec\pm5t (   
funds ,9 select+ qualifi$ homebuy]s =   
assi/ance ) grant am\nts "u ?is section1
 a ,/ate or eligible entity may n       
provide any priority or pref]5ce =      
homebuy]s :o are acquir+ eligible homes 
) a mortgage loan made1 insur$1         
gu>ante$1 or o!rwise assi/$ by ! ,/ate  
h\s+ f9ance ag5cy = ! ,/ate1 any o!r    

h\s+ ag5cy ( ! ,/ate1 or an eligible    
entity :5 applicable1 nor may ! ,/ate or
 eligible entity seek to rec\p any funds
 associat$ ) ! provision ( d[npaym5t    
assi/ance to ! qualifi$ homebuy]1 :e!r  
?r\gh premium pric+ or o!rwise1 except z
 provid$ 9 p>agraph 7#d7 ( ?is          
subsection or o!rwise au?oriz$ by !     
,secret>y4  7#d7 ,repaym5t ( assi/ance  
7,a7 ,requirem5t ,! ,secret>y %all      
require t1 if a homebuy] to or on behalf
 ( :om assi/ance is provid$ f grant     
am\nts "u ?is section fails or ceases to
 occupy ! prop]ty acquir$ us+ su*       
assi/ance z ! prim>y resid5ce ( !       
homebuy]1 except 9 ! case ( assi/ance   
provid$ 9 connection ) ! pur*ase ( a    
pr9cipal resid5ce ?r\gh a %>$ equity    
home[n]%ip program1 ! homebuy] %all     
repay to ! ,/ate or eligible entity1 z  
applicable1 9 a proportional am\nt ( !  
assi/ance ! homebuy] receives bas$ on ! 
numb] ( ye>s !y h occupi$ ! eligible    
home up to #e ye>s1 except t no         
assi/ance %all be repaid if ! qualifi$  

homebuy] occupies ! eligible home z a   
prim>y resid5ce = #e ye>s or m4  7,b7   
,limitation ,not)/&+ subp>agraph 7,a71 a
 homebuy] to or on behalf ( :om         
assi/ance is provid$ f grant am\nts "u  
?is section %all n be liable to ! ,/ate 
or eligible entity = ! repaym5t ( !     
am\nt ( su* %ortage if ! homebuy] fails 
or ceases to occupy ! prop]ty acquir$   
us+ su* assi/ance z ! pr9cipal resid5ce 
( ! homebuy] at lea/ 9 "p because ( a   
h>d%ip1 or sells ! prop]ty acquir$ ) su*
 assi/ance be=e ! expiration ( !        
#fj-mon? p]iod beg9n+ on su* date (     
acquisition & ! capital ga9s f su* sale 
to a bona fide pur*as] 9 an arm's l5g?  
transaction are less ?an ! am\nt !      
homebuy] is requir$ to repay ! ,/ate or 
eligible entity "u subp>agraph 7,a74    
7#e7 ,reliance on borr[] atte/ations ,no
 additional docum5tation beyond !       
borr[]'s atte/ation %all be requir$ to  
demon/rate eligibility "u subp>agraphs  
7,b7 & 7,c7 ( subsection 7e77#g7 & no   
,/ate1 eligible entity1 or cr$itor %all 

be subject to liability bas$ on !       
accuracy ( su* atte/ation4  7#f7 ,co/s  
to grantee ,/ates & eligible entities   
receiv+ grants f ! ,fund may use a      
portion ( su* grants = adm9i/rative co/s
 up to ! limit specifi$ by ! ,secret>y4 
7e7 ,def9itions ,= purposes ( ?is       
section1 ! foll[+ def9itions %all apply3
 7#a7 ,eligible entity ,! t]m eligible  
entity means--  7,a7 a m9ority          
depository in/itution1 z su* t]m is     
def9$ 9 section #cjh ( ! ,f9ancial      
,in/itutions ,re=m1 ,recov]y1 &         
,en=cem5t ,act ( #aihi 7#ab ,u4,s4,c4   
#adfc note72  7,b7 a community          
developm5t f9ancial in/itution1 z su*   
t]m is def9$ 9 section #ajc ( ! ,riegle 
,community ,developm5t & ,regulatory    
,improvem5t ,act ( #aiid 7#ab ,u4,s4,c4 
#dgjb71 t is c]tifi$ by ! ,secret>y ( ! 
,treasury & t>gets s]vices to m9ority & 
l[-income populations or provides       
s]vices 9 neighborhoods hav+ high       
conc5trations ( m9ority & l[-income     
populations2  7,c7 any o!r nonpr(it     

entity t ! ,secret>y f9ds has a track   
record ( provid+ assi/ance to home[n]s1 
t>gets s]vices to m9ority & l[-income or
 provides s]vices 9 neighborhoods hav+  
high conc5trations ( m9ority & l[-income
 populations2 &  7,d7 a unit ( g5]al    
local gov]nm5t1 z su* t]m is def9$ 9    
section #ajb ( ! ,h\s+ & ,community     
,developm5t ,act ( #aigd 7#db ,u4,s4,c4 
#ecjb74  7#b7 ,eligible home ,! t]m     
eligible home means a resid5tial dwell+ 
t-- 7,a7 consi/s ( #a to #d dwell+      
units2 &  7,b7 w be occupi$ by !        
qualifi$ homebuy] z ! prim>y resid5ce ( 
! homebuy]4  7#c7 ,eligible mortgage    
loan ,! t]m eligible mortgage loan means
 a s+le-family resid5tial mortgage loan 
t--  7,a7 meets ! und]writ+ requirem5ts 
& doll> am\nt limitations = acquisition 
by ! ,f$]al ,national ,mortgage         
,association or ! ,f$]al ,home ,loan    
,mortgage ,corporation2  7,b7 is made1  
insur$1 or gu>ante$ "u any program      
adm9i/]$ by ! ,secret>y2  7,c7 is made1 
insur$1 or gu>ante$ by ! ,rural ,h\s+   

,adm9i/rator ( ! ,dep>tm5t (            
,agriculture2  7,d7 is a qualifi$       
mortgage1 z su* t]m is def9$ 9 section  
#abi;,c7b77#b7 ( ! ,tru? 9 ,l5d+ ,act   
7#ae ,u4,s4,c4 #afci;c7b77#b772 or  7,e7
 is made1 insur$1 or gu>ante$ = ! b5efit
 ( a vet]an4  7#d7 ,fir/-g5]ation       
homebuy] ,! t]m fir/-g5]ation homebuy]  
means a homebuy] t is1 z atte/$ by !    
homebuy]--  7,a7 an individual-- 7i7 ^: 
p>5ts or legal gu>dians d n1 or did n at
 ! "t ( _! dea?1 to ! be/ ( !           
individual's k1 h any pres5t own]%ip    
int]e/ 9 a resid5ce 9 any ,/ate1 exclud+
 own]%ip ( heir prop]ty or own]%ip (    
*attel2 &  7ii7 ^: sp\se or dome/ic     
p>tn] has n1 dur+ ! #c-ye> p]iod end+ ^u
 acquisition ( ! eligible home to be    
acquir$ us+ su* assi/ance1 _h any pres5t
 own]%ip int]e/ 9 a resid5ce 9 any      
,/ate1 exclud+ own]%ip ( heir prop]ty or
 own]%ip ( *attel1 :e!r ! individual is 
a co-borr[] on ! loan or n2 or  7,b7 an 
individual :o has at any "t be5 plac$ 9 
fo/] c>e or in/itutional c>e ^: sp\se or

 dome/ic p>tn] has n1 dur+ ! #c-ye>     
p]iod end+ ^u acquisition ( ! eligible  
home to be acquir$ us+ su* assi/ance1 _h
 any own]%ip int]e/ 9 a resid5ce 9 any  
,/ate1 exclud+ own]%ip ( heir prop]ty or
 own]%ip ( *attel1 :e!r su* individuals 
are co-borr[]s on ! loan or n4  7#e7    
,heir prop]ty ,! t]m heir prop]ty means 
resid5tial prop]ty = :i* title pass$ by 
op]ation ( law ?r\gh inte/acy & is held 
by two or m heirs z t5ants 9 common4    
7#f7 ,own]%ip int]e/ ,! t]m own]%ip     
int]e/ means any own]%ip1 exclud+ any   
int]e/ 9 heir prop]ty1 9--  7,a7 real   
e/ate 9 fee simple2  7,b7 a leasehold on
 real e/ate "u a lease = n less ?an     
n9ety-n9e ye>s :i* is r5ewable2 or  7,c7
 a fee int]e/ 91 or long-t]m leasehold  
int]e/ 91 real e/ate consi/+ ( a        
"o-family unit 9 a multifamily project1 
includ+ a project 9 :i* ! dwell+ units  
are atta*$1 or are manufactur$ h\s+     
units1 semi-deta*$1 or deta*$1 & an     
undivid$ int]e/ 9 ! common areas &      
facilities :i* s]ve ! project4  7#g7    

,qualifi$ homebuy] ,! t]m qualifi$      
homebuy] means a homebuy]--  7,a7 hav+  
an annual h\sehold income t is less ?an 
or equal to-- 7i7 #abj p]c5t ( m$ian    
income1 z det]m9$ by ! ,secret>y1 =--   
7,i7 ! area 9 :i* ! home to be acquir$  
us+ su* assi/ance is locat$2 or  7,,ii7 
! area 9 :i* ! place ( resid5ce ( !     
homebuy] is locat$2 or  7ii7 #adj p]c5t 
( ! m$ian income1 z det]m9$ by !        
,secret>y1 = ! area )9 :i* ! eligible   
home to be acquir$ us+ su* assi/ance is 
locat$ if ! homebuy] is acquir+ an      
eligible home locat$ 9 a high-co/ area2 
7,b7 :o is a fir/-"t homebuy]1 z su* t]m
 is def9$ 9 section #ajd ( !            
,cran/on-,gonzalez ,national ,af=dable  
,h\s+ ,act 7#db ,u4,s4,c4 #abgjd71      
except t = ! purposes ( ?is section !   
ref]5ce 9 su* section #ajd to title ,,ii
 %all be consid]$ to ref] to ?is        
section1 & except t own]%ip ( heir      
prop]ty %all n be treat$ z own+ a home =
 purposes ( det]m9+ :e!r a borr[]       
qualifies z a fir/-"t homebuy]2 &  7,c7 

:o is a fir/-g5]ation homebuy]4  7#h7   
,secret>y ,! t]m ,secret>y means !      
,secret>y ( ,h\s+ & ,urban ,developm5t4 
7#i7 ,%>$ equity home[n]%ip program     
7,a7 ,9 g5]al ,! t]m %>$ equity         
home[n]%ip program means af=dable       
home[n]%ip pres]vation ?r\gh a resale   
re/riction program adm9i/]$ by a        
community l& tru/1 o!r nonpr(it         
organization1 or ,/ate or local gov]nm5t
 or in/rum5talities4  7,b7 ,af=dability 
requirem5ts ,any su* program "u         
subp>agraph 7,a7 %all--  7i7 provide    
af=dable home[n]%ip opportunities to    
h\seholds2 &  7ii7 utilize a gr\nd      
lease1 de$ re/riction1 subord9ate loan1 
or simil> me*anism t includes provisions
 ensur+ t ! program %all--  7,i7 ma9ta9 
! home[n]%ip unit z af=dable = subsequ5t
 v l[-1 l[-1 or mod]ate-income families 
= an af=dability t]m ( at lea/ #cj ye>s 
aft] recordation2  7,,ii7 apply a resale
 =mula t limits ! home[n]'s proce$s ^u  
resale2 &  7,,iii7 provide ! program    
adm9i/rator or su* adm9i/rator's        

assignee a preemptive option to pur*ase 
! home[n]%ip unit f ! home[n] at resale4
  7#aj7 ,/ate ,! t]m ,/ate means any    
,/ate ( ! ,unit$ ,/ates1 ! ,di/rict (   
,columbia1 ! ,commonweal? ( ,pu]to      
,rico1 ! ,unit$ ,/ates ,virg9 ,isl&s1   
,guam1 ! ,commonweal? ( ! ,nor!rn       
,m>iana ,isl&s1 & ,am]ican ,samoa4  7f7 
,implem5tation ,! ,secret>y %all h      
au?ority to issue su* regulations1      
notices1 or o!r guidance1 =ms1          
in/ructions1 & publications to c>ry out 
! programs1 projects1 or activities     
au?oriz$ "u ?is section to ensure t su* 
programs1 projects1 or activities are   
complet$ 9 a timely & effective mann]4  
#cjb4 ,home loan program  7a7           
,appropriation ,9 addition to am\nts    
o!rwise available1 !re is appropriat$ = 
fiscal ye> #bjbf1 out ( any am\nts 9 !  
,treasury n o!rwise appropriat$1 to     
rema9 available until ,septemb] #cj1    
#bjcc--  7#a7 #d1jjj1jjj1jjj to !       
,secret>y ( ,h\s+ & ,urban ,developm5t =
 ! co/ ( gu>ante$ or insur$ loans & o!r 

obligations1 includ+ ! co/ ( modify+ su*
 loans1 "u subsection 7e77#a77;,a72     
7#b7 #ejj1jjj1jjj to ! ,secret>y ( ,h\s+
 & ,urban ,developm5t = co/s ( c>ry+ out
 ! program "u p>agraph 7#a7 & programs (
 ! ,f$]al ,h\s+ ,adm9i/ration & !       
,gov]nm5t ,national ,mortgage           
,association g5]ally1 includ+ in=mation 
te*nology1 f9ancial report+1 & o!r      
cross-program co/s 9 support ( programs 
adm9i/]$ by ! ,secret>y 9 ?is title1 &  
o!r co/s2  7#c7 #aej1jjj1jjj to !       
,secret>y ( ,agriculture = ! co/ (      
gu>ante$ & insur$ loans & o!r           
obligations1 includ+ ! co/ ( modify+ su*
 loans1 "u subsection 7e77#a77;,b72     
7#d7 #ej1jjj1jjj to ! ,secret>y (       
,agriculture = ! co/s ( c>ry+ out !     
program "u p>agraph 7#c7 & programs ( ! 
,rural ,h\s+ ,s]vice g5]ally1 includ+   
in=mation te*nology & f9ancial report+ 9
 support ( ! ,program adm9i/]$ by !     
,secret>y ( ,agriculture 9 ?is title2 & 
7#e7 #cjj1jjj1jjj to ! ,secret>y (      
,treasury = ! co/s ( c>ry+ out ! program

 "u ?is section4  7b7 ,use ( funds  7#a7
 ,9 g5]al  7,a7 ,! ,secret>y ( ,h\s+ &  
,urban ,developm5t & ! ,secret>y (      
,agriculture %all use ! funds provid$ "u
 subsections 7a77#a71 7a77#b71 7a77#c71 
& 7a77#d7 to c>ry out ! programs "u     
subsections 7a77#a7 & 7a77#c7 to make   
cov]$ mortgage loans4  7,b7 ,! ,secret>y
 ( ! ,treasury %all use ! funds provid$ 
"u subsections 7a77#e7 & 7b77#b7 to--   
7i7 pur*ase1 on behalf ( ! ,secret>y (  
,h\s+ & ,urban ,developm5t1 securities t
 are secur$ by cov]$ mortgage loans1 &  
sell1 manage1 & ex]cise any rights      
receiv$ 9 connection )1 any f9ancial    
in/rum5ts or assets acquir$ pursuant to 
! au?orities grant$ "u ?is section1     
includ+1 z appropriate1 e/abli%+ & us+  
vehicles to pur*ase1 hold1 & sell su*   
f9ancial in/rum5ts or assets2  7ii7     
designate "o or m banks1 security brok]s
 or deal]s1 asset manag]s1 or inve/m5t  
advis]s1 z a f9ancial ag5t ( ! ,f$]al   
,gov]nm5t to p]=m duties relat$ to      
au?orities grant$ "u ?is section2 &     

7iii7 use ! s]vices ( ! ,dep>tm5t (     
,h\s+ & ,urban ,developm5t on a         
reimbursable basis1 & ! ,secret>y (     
,h\s+ & ,urban ,developm5t is au?oriz$  
to provide s]vices z reque/$ by !       
,secret>y ( ,treasury us+ all au?orities
 ve/$ 9 or delegat$ to ! ,dep>tm5t (    
,h\s+ & ,urban ,developm5t4  7#b7       
,transf] ( am\nts to ,treasury ,su*     
portions ( ! appropriation to !         
,secret>y ( ,h\s+ & ,urban ,developm5t  
%all be transf]r$ by ! ,secret>y ( ,h\s+
 & ,urban ,developm5t to ! ,dep>tm5t ( !
 ,treasury f "t-to-"t 9 an am\nt equal  
to1 z det]m9$ by ! ,secret>y ( !        
,treasury 9 consultation ) ! ,secret>y (
 ,h\s+ & ,urban ,developm5t1 ! am\nt    
necess>y = ! pur*ase ( securities "u !  
,program dur+ ! p]iod = :i* ! funds are 
int5d$ to be available4  7#c7 ,use (    
proce$s ,rev5ues ( & proce$s f ! sale1  
ex]cise1 or surr5d] ( assets pur*as$ or 
acquir$ "u ! ,program "u ?is section    
%all be available to ! ,secret>y ( !    
,treasury ?r\gh ,septemb] #cj1 #bjcc1 = 

purposes ( pur*ases "u subsection       
7b77#a77;,b77i74  7c7 ,limitation on    
aggregate loan insurance or gu>antee    
au?ority ,! aggregate orig9al pr9cipal  
obligation ( all cov]$ mortgage loans   
insur$ or gu>ante$ "u subsection        
7e77#a77;,a7 ( ?is section may n exce$  
#dh1jjj1jjj1jjj1 & "u section           
7e77#a77;,b7 may n exce$                
#ab1jjj1jjj1jjj4  7d7 ,,gnma gu>antee   
au?ority & fee ,to c>ry out ! purposes (
 ?is section1 ! ,gov]nm5t ,national     
,mortgage ,association may ent] into new
 commitm5ts to issue gu>antees (        
securities bas$ on or back$ by mortgages
 insur$ or gu>ante$ "u ?is section1 n   
exce$+ #fj1jjj1jjj1jjj1 & %all collect  
gu>anty fees consi/5t ) section         
#cjf7;g77#a7 ( ! ,national ,h\s+ ,act   
7#ab ,u4,s4,c4 #agba7;g77#a77 t are paid
 at securitization4  7e7 ,def9itions ,9 
?is section3 7#a7 ,cov]$ mortgage loan  
7,a7 ,9 g5]al ,! t]m cov]$ mortgage loan
 means1 = purposes ( ! ,program e/abli%$
 by ! ,secret>y ( ,h\s+ & ,urban        

,developm5t1 a mortgage loan t--  7i7 is
 insur$ by ! ,f$]al ,h\s+ ,adm9i/ration 
pursuant to section #bjc7;b7 ( !        
,national ,h\s+ ,act1 subject to !      
eligibility crit]ia set =? 9 ?is        
subsection1 & has a case numb] issu$ on 
or be=e ,decemb] #ca1 #bjca2  7ii7 is   
made = an orig9al t]m ( #bj ye>s ) a    
mon?ly mortgage paym5t ( pr9cipal &     
int]e/ t is n m ?an #aaj p]c5t & n less 
?an #ajj p]c5t ( ! mon?ly paym5t (      
pr9cipal1 int]e/1 & p]iodic mortgage    
insurance premium associat$ ) a newly   
orig9at$ #cj-ye> mortgage loan ) ! same 
loan balance insur$ by ! ag5cy z det]m9$
 by ! ,secret>y2  7iii7 subject to      
subp>agraph 7,c7 ( ?is p>agraph &       
not)/&+ section #bjc7;c77#b7 ( !        
,national ,h\s+ ,act 7#ab ,u4,s4,c4     
#agji7;c77#b771 has a mortgage insurance
 premium ( n m ?an #d p]c5t ( ! loan    
balance t is paid at clos+1 f9anc$ into 
! pr9cipal balance ( ! loan1 paid ?r\gh 
an annual premium1 or a comb9ation !re(2
  7iv7 involves a rate ( int]e/ t is    

fix$ ov] ! t]m ( ! mortgage loan2 &  7v7
 is secur$ by a s+le-family resid5ce t  
is ! pr9cipal resid5ce ( an eligible    
homebuy]4  7,b7 ,! t]m cov]$ mortgage   
loan means1 = purposes ( ! ,program     
e/abli%$ by ! ,secret>y ( ,agriculture1 
a loan gu>ante$ "u section #ejb7;h7 ( ! 
,h\s+ ,act ( #aidi 7#db ,u4,s4,c4       
#adgb7;h77 t--  7i7 not)/&+ section     
#ejb7;h77#g77;,a7 ( ! ,h\s+ ,act ( #aidi
 7#db ,u4,s4,c4 #adgb7;h77#g77;,a771 is 
made = an orig9al t]m ( #bj ye>s ) a    
mon?ly mortgage paym5t ( pr9cipal &     
int]e/ t is n m ?an #aaj p]c5t & n less 
?an #ajj p]c5t ( ! mon?ly paym5t (      
pr9cipal1 int]e/1 & loan gu>antee fee   
associat$ ) a newly orig9at$ #cj-ye>    
mortgage loan ) ! same loan balance     
gu>ante$ by ! ag5cy z det]m9$ by !      
,secret>y2 &  7ii7 subject to           
subp>agraph 7,c7 ( ?is p>agraph &       
not)/&+ section #ejb7;h77#h77;,a7 ( !   
,h\s+ ,act ( #aidi 7#db ,u4,s4,c4       
#adgb7;h77#h77;,a771 has a loan gu>antee
 fee ( n m ?an #d p]c5t ( ! pr9cipal    

obligation ( ! loan4  7#b7 ,eligible    
homebuy] ,! t]m eligible homebuy] means 
an individual :o-- 7,a7 = purposes ( !  
,program e/abli%$ by ! ,secret>y ( ,h\s+
 & ,urban ,developm5t--  7i7 has an     
annual h\sehold income t is less ?an or 
equal to-- 7,i7 #abj p]c5t ( m$ian      
income = ! area1 z det]m9$ by !         
,secret>y ( ,h\s+ & ,urban ,developm5t  
=--  7aa7 ! area 9 :i* ! home to be     
acquir$ us+ su* assi/ance is locat$2 or 
7bb7 ! area 9 :i* ! place ( resid5ce ( !
 homebuy] is locat$2 or  7,,ii7 if !    
homebuy] is acquir+ an eligible home t  
is locat$ 9 a high-co/ area1 #adj p]c5t 
( ! m$ian income1 z det]m9$ by !        
,secret>y1 = ! area )9 :i* ! eligible   
home to be acquir$ us+ assi/ance provid$
 "u ?is section is locat$2  7ii7 is a   
fir/-"t homebuy]1 z def9$ 9 p>agraph    
7#d7 ( ?is subsection2 &  7iii7 is a    
fir/-g5]ation homebuy] z def9$ 9        
p>agraph 7#c7 ( ?is subsection2  7,b7 = 
purposes ( ! ,program e/abli%$ by !     
,secret>y ( ,agriculture--  7i7 meets ! 

applicable requirem5ts 9 section        
#ejb7;h7 ( ! ,h\s+ ,act ( #aidi 7#db    
,u4,s4,c4 #adgb7;h772 &  7ii7 is a      
fir/-"t homebuy] z def9$ 9 p>agraph 7#d7
 ( ?is subsection & a fir/-g5]ation     
homebuy] z def9$ 9 p>agraph 7#c7 ( ?is  
subsection4  7#c7 ,fir/-g5]ation        
homebuy] ,! t]m fir/-g5]ation homebuy]  
means a homebuy] t1 z atte/$ by !       
homebuy]1 is-- 7,a7 an individual--  7i7
 ^: p>5ts or legal gu>dians d n1 or did 
n at ! "t ( _! dea?1 to ! be/ ( !       
individual's k1 h any pres5t own]%ip    
int]e/ 9 a resid5ce 9 any ,/ate or      
own]%ip ( *attel1 exclud+ own]%ip ( heir
 prop]ty2 &  7ii7 ^: sp\se1 or dome/ic  
p>tn] has n1 dur+ ! #c-ye> p]iod end+ ^u
 acquisition ( ! eligible home to be    
acquir$ us+ su* assi/ance1 h any pres5t 
own]%ip int]e/ 9 a resid5ce 9 any ,/ate1
 exclud+ own]%ip ( heir prop]ty or      
own]%ip ( *attel1 :e!r ! individual is a
 co-borr[] on ! loan or n2 or  7,b7 an  
individual :o has at any "t be5 plac$ 9 
fo/] c>e or in/itutional c>e ^: sp\se or

 dome/ic p>tn] has n1 dur+ ! #c-ye>     
p]iod end+ ^u acquisition ( ! eligible  
home to be acquir$ us+ su* assi/ance1 _h
 any own]%ip int]e/ 9 a resid5ce 9 any  
,/ate1 exclud+ own]%ip ( heir prop]ty or
 own]%ip ( *attel1 :e!r su* individuals 
are co-borr[]s on ! loan or n4  7#d7    
,fir/-"t homebuy] ,! t]m fir/-"t        
homebuy] means a homebuy] z def9$ 9     
section #ajd ( ! ,cran/on-,gonzalez     
,national ,af=dable ,h\s+ ,act 7#db     
,u4,s4,c4 #abgjd71 except t = ! purposes
 ( ?is section ! ref]5ce 9 su* section  
#abgjd7ad7 to title ,,ii %all be        
consid]$ to ref] to ?is section1 &      
except t own]%ip ( heir prop]ty %all n  
be treat$ z own+ a home = purposes (    
det]m9+ :e!r a borr[] qualifies z a     
fir/-"t homebuy]4  7#e7 ,heir prop]ty ,!
 t]m heir prop]ty means resid5tial      
prop]ty = :i* title pass$ by op]ation ( 
law ?r\gh inte/acy & is held by two or m
 heirs z t5ants 9 common4  7#f7 ,own]%ip
 int]e/ ,! t]m own]%ip int]e/ means any 
own]%ip1 exclud+ any int]e/ 9 heir      

prop]ty1 9--  7,a7 real e/ate 9 fee     
simple2  7,b7 a leasehold on real e/ate 
"u a lease = n less ?an n9ety-n9e ye>s  
:i* is r5ewable2 or  7,c7 a fee int]e/  
91 or long-t]m leasehold int]e/ 91 real 
e/ate consi/+ ( a "o-family unit 9 a    
multifamily project1 includ+ a project 9
 :i* ! dwell+ units are atta*$1 or are  
manufactur$ h\s+ units1 semi-deta*$1 or 
deta*$1 & an undivid$ int]e/ 9 ! common 
areas & facilities :i* s]ve ! project4  
7#g7 ,/ate ,! t]m ,/ate means ! ,/ates (
 ! ,unit$ ,/ates1 ! ,di/rict (          
,columbia1 ! ,commonweal? ( ,pu]to      
,rico1 ! ,commonweal? ( ! ,nor!rn       
,m>iana ,isl&s1 ,guam1 ! ,virg9 ,isl&s1 
,am]ican ,samoa1 ! ,tru/ ,t]ritory ( !  
,pacific ,isl&s1 & any o!r t]ritory or  
possession ( ! ,unit$ ,/ates4  7f7      
,reliance on borr[] atte/ations ,no     
additional docum5tation beyond !        
borr[]'s atte/ation %all be requir$ to  
demon/rate eligibility "u clauses 7ii7 &
 7iii7 ( subsection 7e77#b77;,a7 &      
clause 7ii7 ( subsection 7e77#b77;,b7 & 

no ,/ate1 eligible entity1 or cr$itor   
%all be subject to liability bas$ on !  
accuracy ( su* atte/ation4  7g7         
,implem5tation ,! ,secret>y ( ,h\s+ &   
,urban ,developm5t1 ! ,secret>y (       
,agriculture1 & ! ,secret>y ( ,treasury 
%all h au?ority to issue su*            
regulations1 notices1 or o!r guidance1  
=ms1 in/ructions1 & publications to c>ry
 out ! programs1 projects1 or activities
 au?oriz$ "u ?is section to ensure t su*
 programs1 projects1 or activities are  
complet$ 9 a timely & effective mann]4  
#cjc4 ,,hud-insur$ small doll> mortgage 
demon/ration program  7a7 ,appropriation
 ,9 addition to am\nts o!rwise          
available1 !re is appropriat$ to !      
,secret>y ( ,h\s+ & ,urban ,developm5t  
79 ?is section ref]r$ to z ! ,secret>y7 
= fiscal ye> #bjbf1 out ( any money 9 ! 
,treasury n o!rwise appropriat$1 to     
rema9 available until ,septemb] #cj1    
#bjcc-- 7#a7 #gf1jjj1jjj = a program to 
increase access to small-doll>          
mortgages1 z def9$ 9 subsection 7b71 :i*

 may include paym5t ( inc5tives to      
l5d]s1 adju/m5ts to t]ms & co/s1        
individual f9ancial assi/ance1 te*nical 
assi/ance to l5d]s & c]ta9 f9ancial     
in/itutions to help orig9ate loans1 l5d]
 & borr[] outrea*1 & o!r activities2    
7#b7 #aj1jjj1jjj = ! co/ ( insur$ or    
gu>ante$ loans1 includ+ ! co/ ( modify+ 
loans2 &  7#c7 #ad1jjj1jjj = ! co/s to !
 ,secret>y ( adm9i/]+ & ov]see+ !       
implem5tation ( ?is section & programs 9
 ! ,(fice ( ,h\s+ g5]ally1 includ+      
in=mation te*nology1 f9ancial report+1  
rese>* & evaluations1 fair h\s+ & fair  
l5d+ compliance1 & o!r cross-program    
co/s 9 support ( programs adm9i/]$ by ! 
,secret>y 9 ?is title1 & o!r co/s4  7b7 
,small-,doll> mortgage ,= purposes ( ?is
 section1 ! t]m small-doll> mortgage    
means a =w>d mortgage t-- 7#a7 has an   
orig9al pr9cipal balance ( #ajj1jjj or  
less2  7#b7 is secur$ by a "o- to       
f\r-unit prop]ty t is ! mortgagor's     
pr9cipal resid5ce2 &  7#c7 is insur$ or 
gu>ante$ by ! ,secret>y4  7c7           

,implem5tation ,! ,secret>y %all h      
au?ority to issue su* regulations1      
notices1 or o!r guidance1 =ms1          
in/ructions1 & publications to c>ry out 
! programs1 projects1 or activities     
au?oriz$ "u ?is section to ensure t su* 
programs1 projects1 or activities are   
complet$ 9 a timely & effective mann]4  
#cjd4 ,inve/m5ts 9 rural home[n]%ip  7a7
 ,appropriation ,9 addition to am\nts   
o!rwise available1 !re is appropriat$ to
 ! ,rural ,h\s+ ,s]vice ( ! ,dep>tm5t ( 
,agriculture = fiscal ye> #bjbf1 out (  
any money 9 ! ,treasury n o!rwise       
appropriat$1 to rema9 available until   
exp5d$--  7#a7 #ij1jjj1jjj = provid+    
s+le family h\s+ repair grants "u       
section #ejd7;a7 ( ! ,h\s+ ,act ( #aidi 
7#db ,u4,s4,c4 #adgd7;a771 subject to ! 
t]ms & conditions 9 subsection 7b7 ( ?is
 section2  7#b7 #aj1jjj1jjj =           
adm9i/rative exp5ses ( ! ,rural ,h\s+   
,s]vice ( ! ,dep>tm5t ( ,agriculture t 9
 :ole or 9 "p support activities fund$  
by ?is section & relat$ activities4  7b7

 ,t]ms & conditions  7#a7 ,eligibility  
,eligibility = grants f am\nts made     
available by subsection 7a77#a7 %all n  
be subject to ! limitations 9 section   
#ceej4ajc7;b7 ( title #g1 ,code ( ,f$]al
 ,regulations4  7#b7 ,uses ,not)/&+ !   
limitations 9 section #ceej4ajb7;a7 (   
title #g1 ,code ( ,f$]al ,regulations1  
grants f am\nts made available by       
subsection 7a77#b7 %all be available = !
 eligible purposes 9 section            
#ceej4ajb7;b7 ( title #g1 ,code ( ,f$]al
 ,regulations4  7c7 ,implem5tation ,!   
,adm9i/rator ( ! ,rural ,h\s+ ,s]vice   
%all h au?ority to issue su*            
regulations1 notices1 or o!r guidance1  
=ms1 in/ructions1 & publications to c>ry
 out ! programs1 projects1 or activities
 au?oriz$ "u ?is section to ensure t su*
 programs1 projects1 or activities are  
complet$ 9 a timely & effective mann]4  
,,iv ,,hud ,adm9i/ration1 ,capacity     
,build+1 ,te*nical ,assi/ance1 & ,ag5cy 
,ov]sight  #dja4 ,program adm9i/ration1 
tra9+1 te*nical assi/ance1 capacity     

build+1 & ov]sight  7a7 ,appropriation  
,9 addition to am\nts o!rwise available1
 !re is appropriat$ = fiscal ye> #bjbf1 
out ( any money 9 ! ,treasury n o!rwise 
appropriat$1--  7#a7 #idi1bej1jjj to !  
,secret>y ( ,h\s+ & ,urban ,developm5t  
=-- 7,a7 ! co/s to ! ,secret>y (        
adm9i/]+ & ov]see+ ! implem5tation ( ?is
 title & ! ,dep>tm5t's programs g5]ally1
 includ+ in=mation te*nology1           
inspections ( h\s+ units1 rese>* &      
evaluation1 f9ancial report+1 & o!r     
co/s2 &  7,b7 new aw>ds or increas+     
prior aw>ds to provide tra9+1 te*nical  
assi/ance1 & capacity build+ relat$ to !
 ,dep>tm5t's programs1 includ+ direct   
program support to program recipi5ts    
?r\gh\t ! c\ntry1 includ+ insul> areas1 
t require su* assi/ance ) daily         
op]ations2  7#b7 #dc1bej1jjj to ! ,(fice
 ( ,inspector ,g5]al ( ! ,dep>tm5t (    
,h\s+ & ,urban ,developm5t = necess>y   
sal>ies & exp5ses = conduct+ ov]sight ( 
am\nts provid$ by ?is title2  7#c7      
#e1jjj1jjj to ! ,(fice ( ,inspector     

,g5]al ( ! ,dep>tm5t ( ! ,treasury =    
necess>y sal>ies & exp5ses = conduct+   
ov]sight ( am\nts provid$ by ?is title2 
&  7#d7 #b1ejj1jjj to ! ,(fice (        
,inspector ,g5]al ( ! ,dep>tm5t ( !     
,agriculture = necess>y sal>ies &       
exp5ses = conduct+ ov]sight ( am\nts    
provid$ by ?is title4  ,am\nts          
appropriat$ by ?is section %all rema9   
available until ,septemb] #cj1 #bjcc4   
7b7 ,implem5tation ,! ,secret>y ( ,h\s+ 
& ,urban ,developm5t %all h au?ority to 
issue su* regulations1 notices1 or o!r  
guidance1 =ms1 in/ructions1 &           
publications to c>ry out ! programs1    
projects1 or activities au?oriz$ "u ?is 
section to ensure t su* programs1       
projects1 or activities are complet$ 9 a
 timely & effective mann]4  #djb4       
,community-l$ capacity build+  7a7      
,appropriation ,9 addition to am\nts    
o!rwise made available1 !re is          
appropriat$ to ! ,secret>y ( ,h\s+ &    
,urban ,developm5t 79 ?is section ref]r$
 to z ! ,secret>y7 = fiscal ye> #bjbf1  

out ( any money 9 ! ,treasury n o!rwise 
appropriat$--  7#a7 #ij1jjj1jjj =       
competitively aw>d$ funds = te*nical    
assi/ance & capacity build+ to          
non-,f$]al entities1 includ+ grants     
aw>d$ to nonpr(it organizations to      
provide te*nical assi/ance activities to
 community developm5t corporations1     
community h\s+ developm5t organizations1
 community l& tru/s1 nonpr(it           
organizations 9 insul> areas1 & o!r     
mission-driv5 & nonpr(it organizations t
 t>get s]vices to l[-income & socially  
disadvantag$ populations1 & provide     
s]vices 9 neighborhoods hav+ high       
conc5trations ( m9ority1 l[-income1 or  
socially disadvantag$ populations to--  
7,a7 provide tra9+1 education1 support1 
& advice to enhance ! te*nical &        
adm9i/rative capabilities ( community   
developm5t corporations1 community h\s+ 
developm5t organizations1 community l&  
tru/s1 & o!r mission-driv5 & nonpr(it   
organizations und]tak+ af=dable h\s+    
developm5t1 acquisition1 pres]vation1 or

 rehabilitation activities2  7,b7       
provide pr$evelopm5t assi/ance to       
community developm5t corporations1      
community h\s+ developm5t organizations1
 & o!r mission-driv5 & nonpr(it         
organizations und]tak+ af=dable h\s+    
developm5t1 acquisition1 pres]vation1 or
 rehabilitation activities2 &  7,c7 c>ry
 out su* o!r activities z may be det]m9$
 by ! grantees 9 consultation ) !       
,secret>y2 &  7#b7 #aj1jjj1jjj = ! co/s 
to ! ,secret>y ( adm9i/]+ & ov]see+ !   
implem5tation ( ?is section & !         
,dep>tm5t's te*nical assi/ance programs 
g5]ally1 includ+ in=mation te*nology1   
rese>* & evaluations1 f9ancial report+1 
& o!r cross-program co/s 9 support (    
programs adm9i/]$ by ! ,secret>y 9 ?is  
title & o!r co/s4  ,am\nts appropriat$  
by ?is section %all rema9 available     
until ,septemb] #cj1 #bjcc4  7b7        
,implem5tation ,! ,secret>y %all h      
au?ority to issue su* regulations1      
notices1 or o!r guidance1 =ms1          
in/ructions1 & publications to c>ry out 

! programs1 projects1 or activities     
au?oriz$ "u ?is section to ensure t su* 
programs1 projects1 or activities are   
complet$ 9 a timely & effective mann]4