,,ii #aai? ,,congress #a/ ,session ,s4 #cabf ,,9 ,,! ,,s5ate ,,( ,,! ,,unit$ ,,/ates ,novemb] #f1 #bjbe ,mr4 ,wel* 7= himself & ,mrs4 ,gillibr&7 introduc$ ! foll[+ bill2 :i* 0 read twice & ref]r$ to ! ,committee on ,agriculture1 ,nutrition1 & ,=e/ry ,a ,,bill ,to am5d ! ,consolidat$ ,f>m & ,rural ,developm5t ,act to re=m f>m loans1 to am5d ! ,dep>tm5t ( ,agriculture ,reorganization ,act ( #aiid to re=m ! ,national ,appeals ,division process1 & = o!r purposes4 #a4 ,%ort title ,?is ,act may be cit$ z ! ,fair ,cr$it = ,f>m]s ,act ( #bjbe4 #b4 ,def]m5t ( paym5ts = borr[]s ( f>m loans 7a7 ,def9itions ,9 ?is section3 7#a7 ,cov]$ produc] ,! t]m cov]$ produc] means-- 7,a7 a limit$ res\rce f>m] or ran*] 7z def9$ 9 section #gah4b ( title #g1 ,code ( ,f$]al ,regulations 7z 9 effect on ! date ( enactm5t ( ?is ,act772 7,b7 a socially disadvantag$ f>m] or ran*] 7z def9$ 9 section #beja7;a7 ( ! ,food1 ,agriculture1 ,cons]vation1 & ,trade ,act ( #aiij 7#g ,u4,s4,c4 #bbgi7;a7772 7,c7 a beg9n+ f>m] or ran*] 7z def9$ 9 t section72 & 7,d7 a vet]an f>m] or ran*] 7z def9$ 9 t section74 7#b7 ,eligible borr[] ,! t]m eligible borr[] means a borr[] t is a f>m] or ran*] t is-- 7,a7 del9qu5t1 z describ$ 9 ! def9ition ( ! t]m del9qu5t borr[] 9 section #gfa4b7;b7 ( title #g1 ,code ( ,f$]al ,regulations 7z 9 effect on ! date ( enactm5t ( ?is ,act72 or 7,b7 f9ancially di/ress$1 z describ$ 9 ! def9ition ( ! t]m f9ancially di/ress$ borr[] 9 section #gfa4b7;b7 ( title #g1 ,code ( ,f$]al ,regulations 7z 9 effect on ! date ( enactm5t ( ?is ,act74 7#c7 ,f>m loan ,! t]m f>m loan means a direct or gu>ante$-- 7,a7 f>m own]%ip loan "u subtitle ,a ( ! ,consolidat$ ,f>m & ,rural ,developm5t ,act 7#g ,u4,s4,c4 #aibb et seq472 7,b7 op]at+ loan "u subtitle ,b ( t ,act 7#g ,u4,s4,c4 #aida et seq472 or 7,c7 em]g5cy loan "u subtitle ,c ( t ,act 7#g ,u4,s4,c4 #aifa et seq474 7#d7 ,secret>y ,! t]m ,secret>y means ! ,secret>y ( ,agriculture4 7b7 ,def]m5t ( paym5ts on direct f>m loans 7#a7 ,9 g5]al ,! ,secret>y %all-- 7,a7 def] paym5ts ( pr9cipal & int]e/ due on direct f>m loans by eligible borr[]s dur+ ! #b-ye> p]iod beg9n+ on ! date ( enactm5t ( ?is ,act2 & 7,b7 ext5d by #b ye>s ! maturity date & repaym5t p]iod ( ea* direct f>m loan ! paym5ts on :i* are def]r$ "u subp>agraph 7,a74 7#b7 ,exclusion ,p>agraph 7#a7 does n apply to a direct f>m loan ! t]m ( :i* is #ab mon?s or less4 7#c7 ,au?ority to exce$ loan maturity dates ,9 ext5d+ a date "u p>agraph 7#a77;,b71 ! ,secret>y may exce$ by n m ?an #b ye>s-- 7,a7 ! maximum p]iod ( repaym5t describ$ 9 section #cjg ( ! ,consolidat$ ,f>m & ,rural ,developm5t ,act 7#g ,u4,s4,c4 #aibg7 = a f>m own]%ip loan "u subtitle ,a ( t ,act 7#g ,u4,s4,c4 #aibb et seq472 7,b7 ! maximum p]iod ( repaym5t describ$ 9 section #caf7;b7 ( t ,act 7#g ,u4,s4,c4 #aidf7;b77 = an op]at+ loan "u subtitle ,b ( t ,act 7#g ,u4,s4,c4 #aida et seq472 & 7,c7 ! maximum p]iod ( repaym5t describ$ 9 section #cbd7;d7 ( t ,act 7#g ,u4,s4,c4 #aifd7;d77 = an em]g5cy loan "u subtitle ,c ( t ,act 7#g ,u4,s4,c4 #aifa et seq474 7c7 ,int]e/ rate dur+ def]ral ,! ,secret>y %all modify ea* direct f>m loan ( an eligible borr[] t is out/&+ z ( ! date ( enactm5t ( ?is ,act su* t ! int]e/ rate on all rema9+ pr9cipal ( ! f>m loan is #j4abe p]c5t dur+ ! #b-ye> p]iod beg9n+ on t date ( enactm5t4 7d7 ,waiv] ( gu>ante$ f>m loan fees = cov]$ produc]s 7#a7 ,9 g5]al ,! ,secret>y %all require l5d]s ( gu>ante$ f>m loans to cov]$ produc]s to waive gu>antee fees 7z describ$ 9 section #gfb4acj7;d77#d7 ( title #g1 ,code ( ,f$]al ,regulations 7z 9 effect on ! date ( enactm5t ( ?is ,act77 on ^? loans dur+ ! p]iod-- 7,a7 beg9n+ on ! date ( enactm5t ( ?is ,act2 & 7,b7 end+ n e>li] ?an #b ye>s aft] t date ( enactm5t4 7#b7 ,ext5sion ,! ,secret>y may ext5d a deadl9e "u p>agraph 7#a77;,b7 by an additional #ahj days if ! ,secret>y det]m9es ! ext5sion to be necess>y4 #c4 ,f>m loan re=m 7a7 ,g5]al re=ms 7#a7 ,9 g5]al ,subtitle ,d ( ! ,consolidat$ ,f>m & ,rural ,developm5t ,act is am5d$ by ins]t+ aft] section #cgd 7#g ,u4,s4,c4 #bjjh;i7 ! foll[+3 #cge4 ,f>m] program loan re=m 7a7 ,def9itions ,9 ?is section3 7#a7 ,adv]se decision ,! t]m adv]se decision has ! mean+ giv5 ! t]m 9 section #bga ( ! ,dep>tm5t ( ,agriculture ,reorganization ,act ( #aiid 7#g ,u4,s4,c4 #fiia74 7#b7 ,pr9cipal resid5ce ,! t]m pr9cipal resid5ce means ! pr9cipal resid5ce 7z det]m9$ by ! ,secret>y7 ( a borr[] ( a f>m] program loan1 includ+ a resid5ce & n m ?an #aj acres ( adjo9+ l& possess$ & occupi$ by ! borr[]4 7b7 ,det]m9ation lett]s & adv]se decisions 7#a7 ,9 g5]al ,9 ! case ( any adv]se decision relat+ to a f>m] program loan1 a ,f>m ,s]vice ,ag5cy program b5efit1 or ! non9sur$ crop disa/] assi/ance program e/abli%$ by section #aif ( ! ,f$]al ,agriculture ,improvem5t & ,re=m ,act ( #aiif 7#g ,u4,s4,c4 #gccc71 ! ,secret>y %all include 9 a det]m9ation lett] provid$ to ! applicant1 to ! maximum ext5t practicable-- 7,a7 a description ( ea* reason kn[n1 or t reasonably %\ld h be5 kn[n1 to ! ,secret>y = t adv]se decision2 7,b7 a ref]5ce to ea* regulation & ea* relevant in/ruction 9 ! ,f>m ,loan ,programs h&book1 ! ,non9sur$ ,crop ,disa/] ,assi/ance ,program h&book1 or any o!r appropriate h&book publi%$ by ! ,f>m ,s]vice ,ag5cy2 & 7,c7 in/ructions = access+ ! ,electronic ,code ( ,f$]al ,regulations & ! h&books describ$ 9 subp>agraph 7,b7 onl9e4 7#b7 ,effect ( failure to /ate reasons ,if ! ,secret>y issues any adv]se decision relat+ to an application = a f>m] program loan1 a ,f>m ,s]vice ,ag5cy program b5efit1 or ! non9sur$ crop disa/] assi/ance program e/abli%$ by section #aif ( ! ,f$]al ,agriculture ,improvem5t & ,re=m ,act ( #aiif 7#g ,u4,s4,c4 #gccc7 & does n include 9 a det]m9ation lett] provid$ to ! applicant a reason kn[n or :i* %\ld h reasonably be5 kn[n to ! ,secret>y = t adv]se decision1 ! ,secret>y may n subsequ5tly issue an adv]se decision to t applicant on ! basis ( ! same reason1 kn[n or :i* %\ld h reasonably be5 kn[n to ! ,secret>y1 unless ! circum/ances ( ! applicant h sub/antially *ang$ s9ce ! issuance ( ! prior adv]se decision4 7c7 ,collat]alization 7#a7 ,orig9ation ,! ,secret>y may secure a direct f>m] program loan ) a pr9cipal resid5ce only if ! total value ( o!r assets available to secure ! f>m] program loan does n provide adequate security 7z def9$ 9 section #gfa4b7;b7 ( title #g1 ,code ( ,f$]al ,regulations 7z 9 effect on ! date ( enactm5t ( ! ,fair ,cr$it = ,f>m]s ,act ( #bjbe77 = ! loan4 7#b7 ,p>tial release ( pr9cipal resid5ce security ,9 ! case ( a f>m] program loan secur$ 9 "p by a pr9cipal resid5ce1 ! ,secret>y %all initiate a p>tial release ( ! pr9cipal resid5ce z security 9 accordance ) subp>t ,h ( "p #gfe ( title #g1 ,code ( ,f$]al ,regulations 7z 9 effect on ! date ( enactm5t ( ! ,fair ,cr$it = ,f>m]s ,act ( #bjbe71 )\t any action requir$ by ! borr[]1 :5 ! total value ( o!r assets secur+ ! f>m] program loan is equal to #ajj p]c5t ( ! rema9+ loan am\nt4 7#c7 ,loan s]vic+ 7,a7 ,9 g5]al ,9 ! case ( a f>m] program loan borr[] :o is del9qu5t prior to re/ructur+ ! f>m] program loan1 ! borr[] %all execute & provide to ! ,secret>y a li5 on assets necess>y to a*ieve n m ?an #ajj p]c5t collat]alization ( ! loan value4 7,b7 ,be/ li5 ,except z provid$ 9 section #gfd4ajf ( title #g1 ,code ( ,f$]al ,regulations 7z 9 effect on ! date ( enactm5t ( ! ,fair ,cr$it = ,f>m]s ,act ( #bjbe71 ! ,secret>y %all take ! be/ li5 obta9able on assets describ$ 9 subp>agraph 7,a71 subject to ! condition t a prim>y resid5ce %all be ! la/ option available to ! ,secret>y to a*ieve #ajj p]c5t collat]alization ( ! loan value4 7#d7 ,prohibition on additional security ,! ,secret>y may n secure a direct f>m] program loan ) any prop]ty t provides security 9 excess ( ! am\nt ( security value equal to ! loan am\nt4 7d7 ,eligibility requirem5ts ,! ,secret>y %all n impose any limitation relat+ to ! numb] ( ye>s 9 :i* a f>m] program loan may be clos$ by a borr[]4 4 7#b7 ,con=m+ am5dm5t ,section #aif7;b7 ( ! ,f$]al ,agriculture ,improvem5t & ,re=m ,act ( #aiif 7#g ,u4,s4,c4 #gccc7;b77 is am5d$ by add+ at ! end ! foll[+3 7#e7 ,adv]se decisions ,9 ! case ( an adv]se decision relat+ to an application "u ?is subsection1 section #cge7;b7 ( ! ,consolidat$ ,f>m & ,rural ,developm5t ,act %all apply4 4 7b7 ,f>m loan eligibility 7#a7 ,p]sons eligible = direct f>m own]%ip loans ,section #cjb7;b7 ( ! ,consolidat$ ,f>m & ,rural ,developm5t ,act 7#g ,u4,s4,c4 #aibb7;b77 is am5d$-- 7,a7 by /rik+ p>agraph 7#a7 & ins]t+ ! foll[+3 7#a7 ,9 g5]al ,! ,secret>y may make a direct loan "u ?is subtitle only to a f>m] or ran*] :o has at lea/ #a ye> ( exp]i5ce sub/antially p>ticipat+ 9 ! managem5t & bus9ess op]ations ( a f>m or ran*1 z det]m9$ by ! ,secret>y4 2 & 7,b7 by /rik+ p>agraphs 7#c7 & 7#d7 & ins]t+ ! foll[+3 7#c7 ,waiv] au?ority ,9 ! case ( a qualifi$ beg9n+ f>m] or ran*]1 ! ,secret>y may waive ! #a-ye> requirem5t describ$ 9 p>agraph 7#a7 if ! qualifi$ beg9n+ f>m] or ran*]-- 7,a7 has an e/abli%$ relation%ip ) an individual :o has exp]i5ce 9 f>m+ or ran*+1 or ) a local f>m or ran* op]ator or organization1 approv$ by ! ,secret>y1 t is committ$ to m5tor+ ! qualifi$ beg9n+ f>m] or ran*]2 or 7,b7 has o!r acceptable education or exp]i5ce = an appropriate p]iod ( "t1 z det]m9$ by ! ,secret>y4 4 7#b7 ,p]sons eligible = direct f>m op]at+ loans ,section #caa ( ! ,consolidat$ ,f>m & ,rural ,developm5t ,act 7#g ,u4,s4,c4 #aida7 is am5d$ by /rik+ subsection 7c74 7c7 ,ref9anc+ ( debt ) f>m loans 7#a7 ,all[$ purposes ( f>m own]%ip loans ,section #cjc7;a77#a7 ( ! ,consolidat$ ,f>m & ,rural ,developm5t ,act 7#g ,u4,s4,c4 #aibc7;a77#a77 is am5d$ by /rik+ subp>agraph 7,e7 & ins]t+ ! foll[+3 7,e7 ref9anc+ ! indebt$ness ( ! f>m] or ran*]1 if ! f>m] or ran*]-- 7i7 has us$ a direct loan "u ?is subtitle to ref9ance indebt$ness n m ?an #d times previ\sly2 & 7ii7 is ref9anc+ a debt obta9$ f a cr$itor o!r ?an ! ,secret>y1 includ+ a gu>ante$ loan4 4 7#b7 ,all[$ purposes ( direct op]at+ loans ,section #cab7;a7 ( ! ,consolidat$ ,f>m & ,rural ,developm5t ,act 7#g ,u4,s4,c4 #aidb7;a77 is am5d$ by /rik+ p>agraph 7#i7 & ins]t+ ! foll[+3 7#i7 ref9anc+ ! indebt$ness ( a borr[]2 or 4 7d7 ,effect ( pref]r$ l5d] c]tification ,section #cci7;d77#d77;,b7 ( ! ,consolidat$ ,f>m & ,rural ,developm5t ,act 7#g ,u4,s4,c4 #aihi7;d77#d77;,b77 is am5d$-- 7#a7 by /rik+ in/itutions to & ins]t+ ! foll[+3 in/itutions-- 7i7 to 2 & 7#b7 9 clause 7i7 7z s designat$7-- 7,a7 by /rik+ subsection relat+ & ins]t+ subsection1 relat+2 7,b7 by /rik+ wor?9ess1 ! & ins]t+ wor?9ess or !2 & 7,c7 by /rik+ collection & liquidation ( loans1 & to & ins]t+ ! foll[+3 or collection ( loans2 & 7ii7 to 4 7e7 ,loan fund set-,asides = beg9n+ f>m]s & ran*]s ,section #cdf7;b77#b7 ( ! ,consolidat$ ,f>m & ,rural ,developm5t ,act 7#g ,u4,s4,c4 #aiid7;b77#b77 is am5d$-- 7#a7 9 subp>agraph 7,a7-- 7,a7 9 clause 7i77,,ii71 by ins]t+ 1 to ! ext5t practicable aft] ,april #a ( ! fiscal ye>2 & 7,b7 9 clause 7iii71 by ins]t+ 1 to ! ext5t practicable aft] ,septemb] #a ( ! fiscal ye>2 & 7#b7 9 subp>agraph 7,b77iii71 by ins]t+ 1 to ! ext5t practicable aft] ,april #a ( ! fiscal ye>4 7f7 ,removal ( eligibility re/riction bas$ on previ\s debt write-,d[n or o!r loss ,section #cgc ( ! ,consolidat$ ,f>m & ,rural ,developm5t ,act 7#g ,u4,s4,c4 #bjjh;h7 is am5d$-- 7#a7 9 subsection 7b77#b77;,a7-- 7,a7 by /rik+ clause 7i72 7,b7 9 clause 7ii71 by /rik+ *apt]s #aa1 #ab1 or #ac ( ,title #aa ( ! & ins]t+ *apt] #aa1 #ab1 or #ac ( title #aa12 & 7,c7 by r$esignat+ clauses 7ii7 & 7iii7 z clauses 7i7 & 7ii71 respectively2 & 7#b7 by /rik+ subsection 7c7 & ins]t+ ! foll[+3 7c7 ,prohibition on eligibility re/riction bas$ on debt write-,d[n or o!r loss ,! ,secret>y %all n re/rict ! eligibility ( a borr[] = a f>m own]%ip or op]at+ loan "u subtitle ,a or ,b bas$ on a previ\s debt write-d[n or o!r loss to ! ,secret>y4 4 7g7 ,equitable relief 7#a7 ,9 g5]al ,section #cff ( ! ,consolidat$ ,f>m & ,rural ,developm5t ,act 7#g ,u4,s4,c4 #bjjh;a7 is am5d$-- 7,a7 9 subsection 7a7-- 7i7 9 p>agraph 7#a71 by /rik+ 7#a7 receiv$ & ins]t+ 7#a77;,a7 receiv$2 7ii7 9 p>agraph 7#b7-- 7,i7 by /rik+ ! p]iod at ! end & ins]t+ 2 or2 & 7,,ii7 by /rik+ 7#b7 ! ,secret>y & ins]t+ 7,b7 ! ,secret>y2 & 7iii7 by add+ at ! end ! foll[+3 7#b7 7,a7 receiv$ a b5efit "u any o!r program adm9i/]$ by an ag5cy 7z def9$ 9 section #bga ( ! ,dep>tm5t ( ,agriculture ,reorganization ,act ( #aiid 7#g ,u4,s4,c4 #fiia772 & 7,b7 ! ,secret>y det]m9es is n 9 compliance ) ! requirem5ts ( ! provisions ( law t au?orize t program4 2 7,b7 9 subsection 7b77#b71 by ins]t+ 1 includ+ hav+ made managem5t or f9ancial decisions = ! f>m+ or ran*+ op]ation ( ! f>m] or ran*] t 7 detrim5tal due to ! errone\s nature ( an (ficial communication f ! ,dep>tm5t ( ,agriculture1 reg>dless ( :e!r a f9ancial b5efit 0 receiv$ or only promis$ be=e ! p]iod at ! end2 7,c7 9 subsection 7c77#a71 by /rik+ 7a77#b7 & ins]t+ 7a77#a77;,b72 7,d7 9 subsection 7e71 by /rik+ section 9 ! matt] prec$+ p>agraph 7#a7 & all t foll[s ?r\gh %all n be 9 p>agraph 7#b7 & ins]t+ section %all be2 & 7,e7 by add+ at ! end ! foll[+3 7f7 ,au?ority ( ,national ,appeals ,division he>+ (fic]s 7#a7 ,9 g5]al ,a he>+ (fic] 7z def9$ 9 section #bga ( ! ,dep>tm5t ( ,agriculture ,reorganization ,act ( #aiid 7#g ,u4,s4,c4 #fiia77 may provide equitable relief "u ?is section4 7#b7 ,review ,! ,secret>y may review a decision ( a he>+ (fic] 7z s def9$7 to grant equitable relief pursuant to p>agraph 7#a74 7g7 ,cases 9 :i* an applicant is eligible 7#a7 ,def9itions ,9 ?is subsection3 7,a7 ,adv]se decision ,! t]m adv]se decision has ! mean+ giv5 ! t]m 9 section #bga ( ! ,dep>tm5t ( ,agriculture ,reorganization ,act ( #aiid 7#g ,u4,s4,c4 #fiia74 7,b7 ,applicant ,! t]m applicant means a p]son :o submitt$ to1 or attempt$ to submit to1 ! ,f>m ,s]vice ,ag5cy an application =-- 7i7 a direct f>m own]%ip1 op]at+1 or em]g5cy loan "u ?is title2 or 7ii7 a ,f>m ,s]vice ,ag5cy program b5efit4 7#b7 ,d5ial bas$ on feasibility 7,a7 ,9 g5]al ,a loan applicant %all be eligible = equitable relief "u ?is section if-- 7i7 ! ,national ,appeals ,division det]m9es t ! ,f>m ,s]vice ,ag5cy 0 9 error 9 d5y+ ! loan1 b5efit1 or paym5t bas$ on feasibility2 7ii7 ! ,national ,appeals ,division has confirm$ ! accuracy ( ! project$ income & project$ exp5ses describ$ 9 ! orig9al application submitt$ by ! applicant2 & 7iii7 ! orig9al application submitt$ by ! applicant is no long] feasible due to ! delay caus$ by ! errone\s d5ial by ! ,f>m ,s]vice ,ag5cy & ! l5g? ( ! appeals process4 7,b7 ,am\nt ,! am\nt ( equitable relief "u subp>agraph 7,a7 %all be ! am\nt equal to ! diff]5ce betwe5-- 7i7 ! project$ income describ$ 9 ! application2 & 7ii7 ! project$ exp5ses describ$ 9 ! application4 7#c7 ,d5ial bas$ on eligibility ,a loan applicant %all be eligible = equitable relief "u ?is section if-- 7,a7 feasibility 0 n li/$ z a reason = an adv]se decision 9 ! det]m9ation lett] provid$ to ! applicant2 7,b7 eligibility 0 li/$ z a reason = an adv]se decision 9 ! det]m9ation lett] provid$ to ! applicant2 7,c7 ! ,national ,appeals ,division det]m9es t ! ,f>m ,s]vice ,ag5cy 0 9 error 9 d5y+ ! loan bas$ on eligibility2 & 7,d7 ! orig9al application submitt$ by ! applicant is no long] feasible due to ! delay caus$ by ! errone\s d5ial by ! ,f>m ,s]vice ,ag5cy & ! l5g? ( ! appeals process4 7#d7 ,subsequ5tly )drawn adv]se decision ,an applicant %all be eligible = equitable relief "u ?is section if-- 7,a7 ! ,f>m ,s]vice ,ag5cy issu$ an adv]se decision on an application t ! ,f>m ,s]vice ,ag5cy subsequ5tly )drew2 & 7,b7 ! orig9al application submitt$ by ! applicant is no long] feasible due to ! delay caus$ by ! adv]se decision4 7#e7 ,promis$ program b5efits n receiv$ ,an applicant %all be eligible = equitable relief "u ?is section if-- 7,a7 ! ,f>m ,s]vice ,ag5cy indicat$ 9 an (ficial communication made aft] ! date ( enactm5t ( ?is subsection t ! applicant c\ld expect ! loan1 b5efit1 or paym5t1 & !n rev]s$ its decision2 & 7,b7 ! applicant act$ 9 good fai?4 4 7#b7 ,application ,subsection 7g7 ( section #cff ( ! ,consolidat$ ,f>m & ,rural ,developm5t ,act 7#g ,u4,s4,c4 #bjjh;a7-- 7,a7 applies only ) respect to applications submitt$ or attempt$ to be submitt$1 & decisions or communications made1 aft] ! date ( enactm5t ( ?is ,act2 & 7,b7 does n apply retroactively ) respect to-- 7i7 any application submitt$ or attempt$ to be submitt$1 or decision or communication made1 be=e t date ( enactm5t2 or 7ii7 any action1 inaction1 or consequ5ce result+ f a decision or communication made be=e t date ( enactm5t4 #d4 ,national appeals division re=m 7a7 ,burd5 ( pro( ,section #bgg7;c77#d7 ( ! ,dep>tm5t ( ,agriculture ,reorganization ,act ( #aiid 7#g ,u4,s4,c4 #fiig7;c77#d77 is am5d$-- 7#a7 by /rik+ ,! appellant & ins]t+ ! foll[+3 7,a7 ,9 g5]al ,except z provid$ 9 subp>agraph 7,b71 ! appellant 2 & 7#b7 by add+ at ! end ! foll[+3 7,b7 ,appellants bel[ income ?re%old 7i7 ,9 g5]al ,9 ! case ( an appellant describ$ 9 clause 7ii71 ! ag5cy %all be> ! burd5 ( prov+ by sub/antial evid5ce t ! adv]se decision ( ! ag5cy 0 n errone\s4 7ii7 ,appellants describ$ ,an appellant ref]r$ to 9 clause 7i7 is an appellant-- 7,i7 ! adju/$ gross income ( :i* = ! previ\s ye> is n m ?an #cjj1jjj2 or 7,,ii7 ! av]age annual adju/$ gross income ( :i* = ! previ\s #e-ye> p]iod is n m ?an #cjj1jjj4 4 7b7 ,implem5tation ,section #bhj ( ! ,dep>tm5t ( ,agriculture ,reorganization ,act ( #aiid 7#g ,u4,s4,c4 #gjjj7 is am5d$-- 7#a7 by r$esignat+ subsection 7b7 z subsection 7c72 & 7#b7 by ins]t+ aft] subsection 7a7 ! foll[+3 7b7 ,requirem5t ,9 implem5t+ a f9al det]m9ation 9 accordance ) subsection 7a71 ! head ( an ag5cy %all use ! in=mation us$ by ! ,division to make ! f9al det]m9ation1 )\t requir+ additional in=mation on :i* implem5tation w\ld be condition$1 except z o!rwise provid$ 9 ! decision lett] relat+ to ! f9al det]m9ation4 4