119 HR 6644 RH: Housing for the 21st Century Act U.S. House of Representatives 2026-01-15 text/xml EN Pursuant to Title 17 Section 105 of the United States Code, this file is not subject to copyright protection and is in the public domain.
IBUnion Calendar No. 392119th CONGRESS2d SessionH. R. 6644[Report No. 119–457, Part I]IN THE HOUSE OF REPRESENTATIVESDecember 11, 2025Mr. Hill of Arkansas (for himself, Ms. Waters, Mr. Flood, and Mr. Cleaver) introduced the following bill; which was referred to the Committee on Financial Services, and in addition to the Committee on Veterans' Affairs, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concernedJanuary 15, 2026Additional sponsors: Mr. Green of Texas, Mr. Sessions, Ms. Velázquez, Mr. Rose, Mr. Sherman, Mr. Steil, Mr. David Scott of Georgia, Mr. Stutzman, Mrs. Beatty, Mr. Meuser, Ms. Pressley, Mrs. Kim, Ms. Tlaib, Mr. Garbarino, Mr. Torres of New York, Mr. Lawler, Ms. Garcia of Texas, Ms. De La Cruz, Ms. Pettersen, Mr. Nunn of Iowa, Mr. Fields, Ms. Salazar, Ms. Bynum, Mr. Downing, Mr. Liccardo, Mr. Haridopolos, Mr. Moskowitz, and Mr. Moore of North CarolinaJanuary 15, 2026Reported from the Committee on Financial Services with amendmentsStrike out all after the enacting clause and insert the part printed in italicJanuary 15, 2026Committee on Veterans' Affairs discharged; committed to the Committee of the Whole House on the State of the Union and ordered to be printedFor text of introduced bill, see copy of bill as introduced on December 11, 2025A BILLA bill to increase the supply of housing in America, and for other purposes.
1.
Short title; table of contents
(a)
Short title
This Act may be cited as the Housing for the 21st Century Act. (b)
Table of contents
The table of contents for this Act is as follows:Sec. 1. Short title; table of contents.Title I—Building Smarter for the 21st CenturySec. 101. Housing Supply Frameworks.Sec. 102. Accelerating home building grant program.Sec. 103. Federal guidelines for point-access block buildings.Sec. 104. Unlocking Housing Supply Through Streamlined and Modernized Reviews.Sec. 105. Federal Housing Agency Application of Environmental Reviews.Sec. 106. Multifamily loan limits.Sec. 107. GAO studies.Title II—Modernizing Local Development and Rural Housing ProgramsSec. 201. HOME Reform.Sec. 202. Community Development Fund Amendments.Sec. 203. Grants for planning and implementation associated with affordable housing.Sec. 204. Rural housing service program improvements.Sec. 205. Choice in Affordable Housing.Title III—Expanding Manufactured and Affordable Housing Finance OpportunitiesSec. 301. Manufactured Housing Innovations.Sec. 302. FHA small-dollar mortgages.Sec. 303. Community investment and prosperity.Title IV—Protecting Borrowers and Assisted FamiliesSec. 401. Exclusion of certain disability benefits.Sec. 402. Military service question.Sec. 403. HUD–USDA–VA Interagency Coordination.Sec. 404. Family self-sufficiency escrow expansion pilot program.Sec. 405. Reforms to housing counseling and financial literacy programs.Sec. 406. Establishment of eviction helpline.Sec. 407. Temperature Sensor pilot program.Sec. 408. GAO studies.Title V—Enhancing Oversight of Housing ProvidersSec. 501. Requirement to testify.Sec. 502. Improving public housing agency accountability.
<enum>I</enum><header>Building Smarter for the 21st Century</header><section commented="no" display-inline="no-display-inline" id="H7BFC9054EB1D48DB97F19DCB9363B350"><enum>101.</enum><header>Housing Supply Frameworks</header><subsection id="HB7AEBF330AEC40938896590EA2B0978A"><enum>(a)</enum><header>Definitions</header><text display-inline="yes-display-inline">In this section:</text><paragraph id="H23E32CAC5F2E4666BB9711964FC3C9EA"><enum>(1)</enum><header>Affordable housing</header><text>The term <term>affordable housing</term> means housing for which the monthly payment is not more than 30-percent of the monthly income of the household.</text></paragraph><paragraph id="HB9CF7150537A45A984B98D95999404A0"><enum>(2)</enum><header>Assistant Secretary</header><text>The term <term>Assistant Secretary</term> means the Assistant Secretary for Policy Development and Research of the Department of Housing and Urban Development.</text></paragraph><paragraph id="H32B548527AB146CD849917A0ACBE3B0A"><enum>(3)</enum><header>Local zoning framework</header><text>The term <term>local zoning framework</term> means the local zoning codes and other ordinances, procedures, and policies governing zoning and land-use at the local level.</text></paragraph><paragraph id="H02C207D3D91D4A99AD9BEFE322320D27"><enum>(4)</enum><header>Secretary</header><text display-inline="yes-display-inline">The term <term>Secretary</term> means the Secretary of Housing and Urban Development.</text></paragraph><paragraph id="HC9260658202740DFA042228F4FA07BFB"><enum>(5)</enum><header>State zoning framework</header><text>The term <term>State zoning framework</term> means the State legislation or State agency and department procedures, or such legislation or procedures in an insular area of the United States, enabling local planning and zoning authorities and establishing and guiding related policies and programs.</text></paragraph></subsection><subsection id="HB8BD2AB6F7F24F25848B058539DF7012"><enum>(b)</enum><header>Guidelines on State and local zoning frameworks</header><paragraph id="H1A7E8D0E57B2437DB166634A6184E937"><enum>(1)</enum><header>In general</header><text display-inline="yes-display-inline">Not later than 3 years after the date of enactment of this Act, the Assistant Secretary shall publish documents outlining guidelines and best practices to support production of adequate housing to meet the needs of communities and provide housing opportunities for individuals at every income level across communities with respect to—</text><subparagraph id="H9D14DEA80E7C45C4A5EA11462955BC3F"><enum>(A)</enum><text>State zoning frameworks; and</text></subparagraph><subparagraph id="H8B8CA737A76F4D849068CF91CFC276BB"><enum>(B)</enum><text>local zoning frameworks.</text></subparagraph></paragraph><paragraph id="H2015F594FC1C42F3A69018637AE7CA7D"><enum>(2)</enum><header>Consultation; public comment</header><text display-inline="yes-display-inline">During the 2-year period beginning on the date of enactment of this Act, in developing the guidelines and best practices required under paragraph (1), the Assistant Secretary shall—</text><subparagraph id="H4C0C842499EB4BC7A9FCC390B3428739"><enum>(A)</enum><text display-inline="yes-display-inline">publish draft guidelines and best practices in the Federal Register for public comment; and</text></subparagraph><subparagraph id="H4FAE64AFCBEE4EDDB908F955F49BA02E"><enum>(B)</enum><text>establish a task force for the purpose of providing consultation to draft the guidelines and best practices published under subparagraph (A), the members of which shall include—</text><clause id="H80C138FAC0704F4594A48BC3141F33B0"><enum>(i)</enum><text display-inline="yes-display-inline">urban planners and architects;</text></clause><clause id="HB367D344AC334F049A82511B01100381"><enum>(ii)</enum><text display-inline="yes-display-inline">housing developers, including affordable and market-rate housing developers, manufactured housing developers, cooperative housing developers, and other business interests;</text></clause><clause id="HAAD1DFC70C7344D1ABA974D77B3CE536"><enum>(iii)</enum><text>community engagement experts and community members impacted by zoning decisions;</text></clause><clause id="H3C2266ECFACF46E3A9647B0E2193CD5B"><enum>(iv)</enum><text>public housing agencies and transit authorities;</text></clause><clause id="HC82B41F474B449109826E6674A00DBF4"><enum>(v)</enum><text>members of local zoning and planning boards and local and regional transportation planning organizations;</text></clause><clause id="H10CB0F3EE3C045D69794073A2D8FCD4B"><enum>(vi)</enum><text>State officials responsible for housing or land use, including members of State zoning boards of appeals;</text></clause><clause id="H0240E1E86E294790B3B833CB80A10083"><enum>(vii)</enum><text>academic researchers; and</text></clause><clause id="HD29B52A6B3784D47900D942F5AA341C6"><enum>(viii)</enum><text>home builders.</text></clause></subparagraph></paragraph><paragraph id="H8DC7280EB3E44740879780B32BA15EA7"><enum>(3)</enum><header>Contents</header><text display-inline="yes-display-inline">The guidelines and best practices required under paragraph (1) shall—</text><subparagraph id="H557F5CAAC93D422893020D28AA9E0EE5"><enum>(A)</enum><text display-inline="yes-display-inline">with respect to State zoning frameworks, outline potential models for updated State enabling legislation or State agency and department procedures;</text></subparagraph><subparagraph id="H96CA706853B54D84B9C899FFED21379D"><enum>(B)</enum><text>include recommendations regarding— </text><clause id="HF94917CD49EB4006A426D99E6DFEDB39"><enum>(i)</enum><text>the reduction or elimination of parking minimums;</text></clause><clause id="H3836C16751F745EB9A8C7ACBDE1FA42A"><enum>(ii)</enum><text>the increase in maximum floor area ratio requirements and maximum building heights and the reduction in minimum lot sizes and set-back requirements;</text></clause><clause id="H2BB1EF8DFE7344609BC61414FAFC2C28"><enum>(iii)</enum><text display-inline="yes-display-inline">the elimination of restrictions against accessory dwelling units;</text></clause><clause id="H72228CDCA72246688B2A283FCB9FB808"><enum>(iv)</enum><text>increasing by-right uses, including duplex, triplex, or quadplex buildings, across cities or metropolitan areas;</text></clause><clause id="H26CD729ED7454BA8BDA11BDEF903B5D4"><enum>(v)</enum><text>mechanisms, including proximity to transit, to determine the appropriate scope for rezoning and ensure development that does not disproportionately burden residents of economically distressed areas;</text></clause><clause id="H681FD52A2FC24B788EB3ED45BFA1AE76"><enum>(vi)</enum><text>provisions regarding review of by-right development proposals to streamline review and reduce uncertainty, including—</text><subclause id="HD75568D51DDB454993E34CBF216C5336"><enum>(I)</enum><text>nondiscretionary, ministerial review; and</text></subclause><subclause id="HF021570E6D2D4F0DB72207B543235629"><enum>(II)</enum><text>entitlement and design review processes;</text></subclause></clause><clause id="H37615D4D2EDF43F5857EC935DC886455"><enum>(vii)</enum><text display-inline="yes-display-inline">the reduction of obstacles, regulatory or otherwise, to a range of housing types at all levels of affordability, including manufactured and modular housing;</text></clause><clause id="H52D03A1479BA4795AA6CD937A59244D1"><enum>(viii)</enum><text>State model zoning regulations for directing local reforms, including mechanisms to encourage adoption;</text></clause><clause id="H72AD52AE4B47426B8A4319EF06CA7030"><enum>(ix)</enum><text>provisions to encourage transit-oriented development, including increased permissible units per structure and reduced minimum lot sizes near existing or planned public transit stations;</text></clause><clause id="HC9A9D839ECF7487CA81292C64EB35FE7"><enum>(x)</enum><text>potential reforms to strengthen the public engagement process;</text></clause><clause id="H897813122C91409B9FE55230625A707E"><enum>(xi)</enum><text display-inline="yes-display-inline">reforms to protest petition statutes;</text></clause><clause id="H04398A29D6F7471A91D8A9B44D469B97"><enum>(xii)</enum><text>the standardization, reduction, or elimination of impact fees;</text></clause><clause id="H3F4482A9F8E94A63BC701CB63CE36535"><enum>(xiii)</enum><text>cost-effective and appropriate building codes;</text></clause><clause id="H10372946C8F049E8A06D9F4984F6544F"><enum>(xiv)</enum><text>models for community benefit agreements;</text></clause><clause id="HDBC1E2B8D7DD480C96463F6E555AF986"><enum>(xv)</enum><text>mechanisms to preserve affordability, limit disruption of low-income communities, and prevent displacement of existing residents;</text></clause><clause id="HFDC158CFB0B740CFA256D6A0BFA34090"><enum>(xvi)</enum><text display-inline="yes-display-inline">with respect to State zoning frameworks—</text><subclause id="H5EF9F6A2615948708B714FC626D9AA66"><enum>(I)</enum><text>State model codes for directing local reforms, including mechanisms to encourage adoption;</text></subclause><subclause id="HD841807794DA4EEFB96B81C2D86B6CCB"><enum>(II)</enum><text>a model for a State zoning appeals process, which would—</text><item id="HC7666C266CE242F38131E8DE6B1529B7"><enum>(aa)</enum><text>create a process for developers or builders requesting a variance, conditional use, special permit, zoning district change, similar discretionary permit, or otherwise petitioning a local zoning or planning board for a project including a State-defined amount of affordable housing to appeal a rejection to a State body or regional body empowered by the State; and</text></item><item id="H7C13CA3301FE40A2833134A44FD09A7E"><enum>(bb)</enum><text>establish qualifications for communities to be exempted from the appeals process based on their available stock of affordable housing; and</text></item></subclause><subclause id="HA8DF0A51B02A45ABB84474BB42B181BA"><enum>(III)</enum><text>streamlining of State environmental review policies;</text></subclause></clause><clause id="H98EF68CA68594E2B9ECA98497FEE3817"><enum>(xvii)</enum><text display-inline="yes-display-inline">with respect to local zoning frameworks—</text><subclause id="H4E0BFB77AEE94FCA80AE30EC8FCB8AA8"><enum>(I)</enum><text>the simplification and standardization of existing zoning codes;</text></subclause><subclause id="HB182993B17734F5A97D2AA161F7947D0"><enum>(II)</enum><text>maximum review timelines;</text></subclause><subclause id="HB3EE620921494489B4A820530E883555"><enum>(III)</enum><text>best practices for the disposition of land owned by local governments for affordable housing development;</text></subclause><subclause id="H088E6C9AA9414E48995BAC32B6DC8180"><enum>(IV)</enum><text>differentiations between best practices for rural, suburban, and urban communities, and communities with different levels of density or population distribution; and</text></subclause><subclause id="HA68D8DEB09F1469AB84DECE3F99069D8"><enum>(V)</enum><text>streamlining of local environmental review policies; and</text></subclause></clause><clause id="H6A44D09EF16A431BAC0C48F3894E89D5"><enum>(xviii)</enum><text>other land use measures that promote access to new housing opportunities identified by the Secretary; and</text></clause></subparagraph><subparagraph id="H0DAD12819BC544E18C097FEEC0ED3A25"><enum>(C)</enum><text>consider—</text><clause id="H282838A3117E4EBD915B2A935BCB5890"><enum>(i)</enum><text>the effects of adopting any recommendation on eligibility for Federal discretionary grants and tax credits for the purpose of housing or community development;</text></clause><clause id="H13D9232F4BE049C3A94589FCF28B05B2"><enum>(ii)</enum><text>coordination between infrastructure investments and housing planning;</text></clause><clause id="HFFDE938160FA49B09983A7377FA1E532"><enum>(iii)</enum><text>local housing needs, including ways to set and measure housing goals and targets;</text></clause><clause id="HA5818E76BC6C42E2976F4E685D836ED2"><enum>(iv)</enum><text>a range of affordability for rental units, with a prioritization of units attainable to extremely low-, low-, and moderate-income residents;</text></clause><clause id="H09BBFAD460F54520844CA82CF02852A8"><enum>(v)</enum><text>a range of affordability for homeownership;</text></clause><clause id="H4144847B2BFD4A24AB32C851CAFE0249"><enum>(vi)</enum><text>accountability measures;</text></clause><clause id="HC36DDD70CD4C45248763C14A6EFFF284"><enum>(vii)</enum><text>the long-term cost to residents and businesses if more housing is not constructed;</text></clause><clause id="HC5326D26E2F3475E857FDCF23210AAE1"><enum>(viii)</enum><text>barriers to individuals seeking to access affordable housing in growing communities and communities with economic opportunity;</text></clause><clause id="H476CDD1D90D044D0BB5A583883D605C6"><enum>(ix)</enum><text>with respect to State zoning frameworks—</text><subclause id="H8982FFB12ACA46CEB80F6EC10C44C0FF"><enum>(I)</enum><text>distinctions between States providing constitutional or statutory home rule authority to municipalities and States operating under the Dillon Rule, as articulated in <italic>Hunter</italic> v. <italic>Pittsburgh</italic>, 207 U.S. 161 (1907); and</text></subclause><subclause id="H751F5196FF9540D8A88F9F2810BB4D68"><enum>(II)</enum><text>Statewide mechanisms to preserve existing affordability over the long term, including support for land banks and community land trusts;</text></subclause></clause><clause id="H0F867E54D2514AF287EFDCC6B983BD43"><enum>(x)</enum><text>public comments elicited under paragraph (2)(A); and</text></clause><clause id="H1C87ED4521B040A0B7901A53B79B2AB3"><enum>(xi)</enum><text>other considerations, as identified by the Assistant Secretary.</text></clause></subparagraph></paragraph></subsection><subsection id="H6BBBDB13FC1441ADA5AF263919DA7698" display-inline="no-display-inline"><enum>(c)</enum><header>Abolishment of the regulatory barriers clearinghouse</header><paragraph id="H0724281FBC474B619161E0D2CB970631"><enum>(1)</enum><header>In general</header><text display-inline="yes-display-inline">The Regulatory Barriers Clearinghouse established pursuant to section 1205 of the Housing and Community Development Act of 1992 (<external-xref legal-doc="usc" parsable-cite="usc/42/12705d">42 U.S.C. 12705d</external-xref>) is abolished.</text></paragraph><paragraph id="H32836E1FB9154BF3BBD110B6F438010C"><enum>(2)</enum><header>Repeal</header><text display-inline="yes-display-inline">Section 1205 of the Housing and Community Development Act of 1992 (<external-xref legal-doc="usc" parsable-cite="usc/42/12705d">42 U.S.C. 12705d</external-xref>) is repealed.</text></paragraph></subsection><subsection id="H126E84CF7AAF4ADB9B35E5D4DFEEDD91"><enum>(d)</enum><header>Reporting</header><text display-inline="yes-display-inline">Not later than 5 years after the date on which the Assistant Secretary publishes the final guidelines and best practices for State and local zoning frameworks under this section, the Assistant Secretary shall submit to the Congress a report describing—</text><paragraph id="H1F6448FB78B64D6081E2922A781DB519"><enum>(1)</enum><text display-inline="yes-display-inline">the States that have adopted recommendations from the guidelines and best practices, pursuant to section 4 of this Act;</text></paragraph><paragraph id="H4AFD333ACBEC44779CA46BD8E95867ED"><enum>(2)</enum><text>a summary of the localities that have adopted recommendations from the guidelines and best practices, pursuant to section 4 of this Act;</text></paragraph><paragraph id="H0BA7E88654B1443D8793A2C23DD14CB4"><enum>(3)</enum><text>a list of States that adopted a State zoning framework;</text></paragraph><paragraph id="HC945E210E1304524B2702DD086301E44"><enum>(4)</enum><text>a summary of the modifications that each State has made in their State zoning framework; </text></paragraph><paragraph id="H3860BAE13CA2476D84479C7563A67BDE"><enum>(5)</enum><text>a general summary of the types of updates localities have made to their local zoning framework;</text></paragraph><paragraph id="H339C326B9B5C4EDF86B27F48B3C4E946"><enum>(6)</enum><text display-inline="yes-display-inline">with respect to the States that have adopted a State zoning framework or recommendations from the guidelines and best practices, the effect of such adoptions; and</text></paragraph><paragraph id="H4AB73D88AD6E4266A976F66DE8F40D6C"><enum>(7)</enum><text display-inline="yes-display-inline">a summary of any recommendations that were routinely not adopted by States or by localities.</text></paragraph></subsection><subsection id="H786E2BAFCE4441E68516AB7959D8B5BD"><enum>(e)</enum><header>Rule of construction</header><text display-inline="yes-display-inline">Nothing in this section may be construed to permit the Department of Housing and Urban Development to take an adverse action against or fail to provide otherwise offered actions or services for any State or locality if the State or locality declines to adopt a guideline or best practice under subsection (c). </text></subsection></section><section id="HC292C1D7755C4BF29EB2BDC4D7D2FC1F" section-type="subsequent-section"><enum>102.</enum><header>Accelerating home building grant program</header><subsection id="H9F4730E7AA2747A7BD0E28D73EC0ED5A"><enum>(a)</enum><header>In general</header><text display-inline="yes-display-inline">The Secretary may award grants to eligible entities to review designs of covered structures of mixed-income housing and designate such reviewed designs to be included in pattern books for use in the jurisdiction of the eligible entity.</text></subsection><subsection id="HD67E1945CB1A4AB4838BE4B7A4A5E12A"><enum>(b)</enum><header>Restriction</header><text display-inline="yes-display-inline">Amounts awarded under this section may not be used for construction, alteration, or repair work.</text></subsection><subsection id="H346D2E2366CE4BB5A1307F494D4636DF"><enum>(c)</enum><header>Considerations</header><text>In reviewing applications submitted by eligible entities for a grant under this section, the Secretary shall consider—</text><paragraph id="H52502FEC64A347A3A2E59F04653E674F"><enum>(1)</enum><text display-inline="yes-display-inline">the need for affordable housing in the eligible entity;</text></paragraph><paragraph id="H79A0B92507364CB5827C67B6F2918431"><enum>(2)</enum><text>the presence of high opportunity areas in the eligible entity;</text></paragraph><paragraph id="H0AF63D76924740D0B506F2B95727F5E7"><enum>(3)</enum><text>coordination between the eligible entity and a State agency; and</text></paragraph><paragraph id="HA683263C5AD54D8B8237958AD19DC0CD"><enum>(4)</enum><text>coordination between the eligible entity and State, local, and regional transportation planning authorities.</text></paragraph></subsection><subsection id="HCCC37402D4824CCABCCE334114E08E6F"><enum>(d)</enum><header>Set-aside for rural areas</header><text>Of the amounts made available in each fiscal year for grants under this section, the Secretary shall ensure that not less than 10-percent shall be used for grants to eligible entities that are located in rural areas.</text></subsection><subsection id="HFA3109B812F248A7A2EED1506FEE4D6F"><enum>(e)</enum><header>Report requirement</header><text display-inline="yes-display-inline">Not later than 3 years after being awarded a grant under this section, an eligible entity shall submit to the Secretary a report that—</text><paragraph id="HDE250D90600E43319FFE3A1AB0F66A93"><enum>(1)</enum><text>describes the impacts of the activities carried out using the amounts provided under this section on improving the production and supply of affordable housing;</text></paragraph><paragraph id="HA78984DFA3B44C49ADFD9AE92437C4E8"><enum>(2)</enum><text>includes a list of any pattern books the eligible entity has established using amounts provided under this section, including a description of the designs such pattern book includes;</text></paragraph><paragraph id="HFD000B94525F4E19B54586F71FB4BB01"><enum>(3)</enum><text>identifies the number of permits issued by the eligible entity for housing development using designs from such pattern book; and</text></paragraph><paragraph id="HC984DF930A694A819FED7F39B8992FE7"><enum>(4)</enum><text>identifies the number of housing units produced in developments of the eligible entity using a design from such pattern book.</text></paragraph></subsection><subsection id="H1101C764B3664CAAB089637A91A3FA94"><enum>(f)</enum><header>Availability of information</header><text>The Secretary shall—</text><paragraph id="HA61B2EDA1DDC47EBA4C33761F587FD80"><enum>(1)</enum><text display-inline="yes-display-inline">to the extent possible, encourage eligible entities awarded grants under this section to make any pattern books established by such entity, and designs in such pattern book, publicly available through a website; and</text></paragraph><paragraph id="HF906695DDAE24ACD90C0C9D5D69C6740"><enum>(2)</enum><text display-inline="yes-display-inline">collect, identify, and disseminate best practices relating to pattern books and make such information publicly available on a website of the Department of Housing and Urban Development.</text></paragraph></subsection><subsection id="H04F5063A10404CE1869016316FDC6E26"><enum>(g)</enum><header>Repayment of awarded amounts</header><text display-inline="yes-display-inline">The Secretary may require an eligible entity to return, to the Secretary, grant amounts awarded under this section if the Secretary determines that the eligible entity has not approved a sufficient number of building permits that use designs included in a pattern book established by the eligible entity, during the 5-year period following receipt of the grant by the eligible entity, unless such period is extended by the Secretary.</text></subsection><subsection id="H06400C7B22B54ABD960D47A956E6ED76"><enum>(h)</enum><header>Definitions</header><text>In this section:</text><paragraph id="H9C10006372E846A2A4FEBBDD424F97B6"><enum>(1)</enum><header>Affordable housing</header><text>The term <term>affordable housing</term> means housing for which the total monthly housing cost payment is not more than 30-percent of the monthly household income for a household earning not more than 80-percent of the area-median income.</text></paragraph><paragraph id="H5047BE7F148C4DA0BE4DF851A452E3AB"><enum>(2)</enum><header>Covered structure</header><text display-inline="yes-display-inline">The term <term>covered structure</term> means a low-rise or mid-rise structure with not more than 25 dwelling units that may include—</text><subparagraph id="H20B4EADE7474407DAE080FAAE735C336"><enum>(A)</enum><text>an accessory dwelling unit;</text></subparagraph><subparagraph id="HFBCD9EF614954D4E8A1C597AA2334007"><enum>(B)</enum><text>infill development;</text></subparagraph><subparagraph id="HDACC77B05FC243AE8460FFAD86089439"><enum>(C)</enum><text>a duplex;</text></subparagraph><subparagraph id="HC3F57A66B1A14DF29F32F56E252CD219"><enum>(D)</enum><text>a triplex;</text></subparagraph><subparagraph id="HE03369A5BCA84512B2EBB9378A99AFB7"><enum>(E)</enum><text>a fourplex;</text></subparagraph><subparagraph id="HEDFF3DF57FD84254A186C00DD5FF883C"><enum>(F)</enum><text>a cottage court;</text></subparagraph><subparagraph id="HA9CD7DE8D8E741DB901EC9604821585F"><enum>(G)</enum><text>a courtyard building;</text></subparagraph><subparagraph id="H81F8C301CE4743C4B8998DD469A1EF79"><enum>(H)</enum><text>a townhouse;</text></subparagraph><subparagraph id="HC4DDC7D622974622A6672295E9F6968B"><enum>(I)</enum><text>a multiplex; and</text></subparagraph><subparagraph id="HCBD1E1ADF2CD4A1792B24AC8B627C648"><enum>(J)</enum><text display-inline="yes-display-inline">any other structure with not less than 2 dwelling units that the Secretary has determined in advance to be appropriate.</text></subparagraph></paragraph><paragraph id="H2AEF6471672D47FA84954904116AB36C"><enum>(3)</enum><header>Eligible entity</header><text>The term <term>eligible entity</term> means—</text><subparagraph id="HD3C0FDD0B74648EDA915ACA6A87232A7"><enum>(A)</enum><text>a unit of general local government, as defined in section 102(a) of the Housing and Community Development Act of 1974 (<external-xref legal-doc="usc" parsable-cite="usc/42/5302">42 U.S.C. 5302(a)</external-xref>); and</text></subparagraph><subparagraph id="H7F4AE851DE004E12B9AA7D3F28301E86"><enum>(B)</enum><text>an Indian Tribe, as defined in section 102(a) of the Housing and Community Development Act of 1974 (<external-xref legal-doc="usc" parsable-cite="usc/42/5302">42 U.S.C. 5302(a)</external-xref>).</text></subparagraph></paragraph><paragraph id="HB7C0CA8146954799BA843D41E8D267C5"><enum>(4)</enum><header>High opportunity area</header><text>The term <term>high opportunity area</term> has the meaning given the term in section 1282.1 of title 12, Code of Federal Regulations, or any successor regulation.</text></paragraph><paragraph id="HDABBBD5AC1FF478AB76138612CFE5EF3"><enum>(5)</enum><header>Infill development</header><text>The term <term>infill development</term> means a residential housing development on small parcels in previously established areas for replacement by new or refurbished housing that utilizes existing utilities and infrastructure.</text></paragraph><paragraph id="H438071200EDD48F9B202A864BBA6A9F0"><enum>(6)</enum><header>Mixed-income housing</header><text>The term <term>mixed-income housing</term> means a housing development that is comprised of housing units that promote differing levels of affordability in the community.</text></paragraph><paragraph id="H7B428CC5C2A642A38D29F12F33D787EC" commented="no"><enum>(7)</enum><header>Pattern book</header><text display-inline="yes-display-inline">The term <term>pattern book</term> means a set of pre-reviewed, designated designs or construction plans that are assessed and approved as by-right development by localities for compliance with local building and permitting standards to streamline and expedite approval pathways for housing construction.</text></paragraph><paragraph id="HB985D7354163426998100503D975D9A8"><enum>(8)</enum><header>Rural area</header><text>The term <term>rural area</term> means any area other than a city or town that has a population of less than 50,000 inhabitants.</text></paragraph><paragraph id="HDAA5548163064AC48CD6785855A4C5A5"><enum>(9)</enum><header>Secretary</header><text>The term <term>Secretary</term> means the Secretary of Housing and Urban Development.</text></paragraph></subsection></section><section id="H82956CD7CFE84E45B457A490CB8AA485"><enum>103.</enum><header>Federal guidelines for point-access block buildings</header><subsection id="H0546CD9FB4974376A10BDC0C9D5E94C9"><enum>(a)</enum><header>In general</header><text display-inline="yes-display-inline">Not later than 18 months after the date of enactment of this section, the Secretary of Housing and Urban Development shall issue guidelines to provide States, territories, Tribes, and localities with model code language, best practices, and technical guidance that could be used to facilitate the permitting of point-access block residential buildings. </text></subsection><subsection id="H10F3BB38A65443328AA3C94E2CF72771"><enum>(b)</enum><header>Contents</header><text display-inline="yes-display-inline">When developing the guidelines under subsection (a), the Secretary shall consider—</text><paragraph id="HB11FBC39F3E54E3F96B3397642B04C05"><enum>(1)</enum><text>fire safety considerations, including sprinkler coverage, smoke detection, ventilation, and building egress performance;</text></paragraph><paragraph id="H3FF96397E02E4C17A66737D3F4E6518C"><enum>(2)</enum><text>construction costs and potential impacts on housing affordability, including the potential for increasing housing supply in high-cost jurisdictions;</text></paragraph><paragraph id="HA5DF5C214976418A91013F43B320C246"><enum>(3)</enum><text>flexibility for diverse consumer needs, including family sizes, unit configurations, and accessibility;</text></paragraph><paragraph id="HB70CEA103ABE41C6A15DDE895ED624AC"><enum>(4)</enum><text>examples of single-stair codes adopted or considered by States and cities in the United States;</text></paragraph><paragraph id="HCDB9AED56A0944148ECD6C51907582F0"><enum>(5)</enum><text display-inline="yes-display-inline">examples single-stair codes used in relevant international standards;</text></paragraph><paragraph id="HCF5F5903F3D045E99FC5BA4102106111"><enum>(6)</enum><text display-inline="yes-display-inline">research and model language relating to single-stair codes produced by organizations that focus on point-access block building design and building-code reform;</text></paragraph><paragraph id="HFB433F50471749B0A7B1DF4A7BE44131"><enum>(7)</enum><text>consulting with experts, including developers, architects, fire marshals, researchers, economists, housing authorities, and officials in States that have enacted or piloted single-stair codes; and</text></paragraph><paragraph id="HDF6D2333BE9F4EAFBD0C684213FA0D87"><enum>(8)</enum><text>alternative methods of safety compliance, including options that utilize additional passive or active safety features.</text></paragraph></subsection><subsection id="HCC150246AFA14BEBBBE075B4CA759D7B"><enum>(c)</enum><header>Coordination with the International Code Council</header><text display-inline="yes-display-inline">The Secretary shall coordinate with the International Code Council to encourage the International Code Council to incorporate provisions about point-access block buildings into the International Building Code.</text></subsection><subsection id="H1C1890EB47854D2E964CCEAF23C81EB1" commented="no"><enum>(d)</enum><header>Grants</header><text display-inline="yes-display-inline">The Secretary may award competitive grants to eligible entities to implement pilot projects that evaluate, demonstrate, or validate the safety, feasibility, or cost-effectiveness of point-access block residential buildings.</text></subsection><subsection id="H5F73F9BE640B4475B67326E23E326786"><enum>(e)</enum><header>Rule of construction</header><text display-inline="yes-display-inline">Nothing in this section may be construed to preempt a State or local building code.</text></subsection><subsection id="H75A719F73FDC48A69DE09B16261D8F81"><enum>(f)</enum><header>Definitions</header><text>In this section:</text><paragraph id="HC0461D4BCA1A42B1B67D1B3016623C9F"><enum>(1)</enum><header>Eligible entity</header><text>The term <term>eligible entity</term> means a State, unit of local government, Tribal Government, public housing agency, nonprofit housing organization, community development organization, private developer, construction firm, qualified design firm, engineering firm, academic institution, research institution, or any partnership or consortium comprised of 2 or more such types of entities.</text></paragraph><paragraph id="H80002D0392844FEA84D1ABF12DDD33F0"><enum>(2)</enum><header>Point-access block building</header><text display-inline="yes-display-inline">The term <term>point-access block building</term> means a Group R–2 occupancy residential structure, as such term is defined by the International Building Code, in which a single internal stairway provides access and egress for all dwelling units in a building that is not greater than 6 stories in height.</text></paragraph></subsection></section><section id="H1A492E181A814B2D9E549D129165E1FF"><enum>104.</enum><header>Unlocking Housing Supply Through Streamlined and Modernized Reviews</header><subsection id="H230A53E2178F40EE930597524E4B86F5" display-inline="no-display-inline"><enum>(a)</enum><header>NEPA streamlining for HUD housing-related activities</header><paragraph id="H3F68C2CD46524317A90B574DD23386D4"><enum>(1)</enum><header>In general</header><text>The Secretary of Housing and Urban Development shall, in accordance with section 553 of title 5, United States Code, expand and reclassify housing-related activities under the necessary administrative regulations as follows:</text><subparagraph id="HC3AA0473E52446309818148D24580A00"><enum>(A)</enum><text>The following housing-related activities shall be subject to regulations equivalent or substantially similar to the regulations entitled <quote>exempt activities</quote> as set forth in section 58.34 of title 24, Code of Federal Regulations, as in effect on January 1, 2025:</text><clause id="HD5936F08DF654B7A994E343475F371CB"><enum>(i)</enum><text>Tenant-based rental assistance, as defined in section 8(o) of the United States Housing Act of 1937 (<external-xref legal-doc="usc" parsable-cite="usc/42/1437f">42 U.S.C. 1437f(o)</external-xref>).</text></clause><clause id="HE84B409392264EE3A331EF771996A2B8"><enum>(ii)</enum><text>Supportive services, including health care, housing services, permanent housing placement, day care, nutritional services, short-term payment for rent, mortgage, or utility costs, and assistance in gaining access to Federal Government and State and local government benefits and services.</text></clause><clause id="H9339258CCC914B5A92D3D596307A2FD5"><enum>(iii)</enum><text>Operating costs, including maintenance, security, operation, utilities, furnishings, equipment, supplies, staff training, and recruitment and other incidental costs.</text></clause><clause id="HECEB1959F0F44BCD821690440212E003"><enum>(iv)</enum><text>Economic development activities, including equipment purchases, inventory financing, interest subsidies, operating expenses, and similar costs not associated with construction or expansion of existing operations.</text></clause><clause id="HD97BFA93F9474122BB36E3501171B3A3"><enum>(v)</enum><text>Activities to assist homebuyers to purchase existing dwelling units or dwelling units under construction, including closing costs and down payment assistance, interest rate buydowns, and similar activities that result in the transfer of title.</text></clause><clause id="H6A2E43F467F34CBEA39BB973D89659E7"><enum>(vi)</enum><text>Affordable housing predevelopment costs related to obtaining site options, project financing, administrative costs and fees for loan commitment, zoning approvals, and other related activities that do not have a physical impact.</text></clause><clause id="HB982AF11B0E84AFFBE3935C9A7F99036"><enum>(vii)</enum><text>Approval of supplemental assistance, including insurance or guarantee, to a project previously approved by the Secretary.</text></clause><clause id="H6D3AD40D33A14CF690841A21C4408669"><enum>(viii)</enum><text>Emergency homeowner or renter assistance for HVAC, hot water heaters, and other necessary uses of existing utilities required under applicable law.</text></clause></subparagraph><subparagraph id="H7534399348B14876B41B60B54101BF49"><enum>(B)</enum><text>The following housing-related activities shall be subject to regulations equivalent or substantially similar to the regulations entitled—</text><clause id="HE2EB55AE926246218A3C66675FF27FDC"><enum>(i)</enum><text><quote>categorical exclusions not subject to section 58.5</quote>; and</text></clause><clause id="H30AEE10B2DDE4B3BB0EC89804DBE738A"><enum>(ii)</enum><text><quote>categorical exclusions not subject to the Federal laws and authorities cited in sections 50.4</quote> in section 58.35(b) and section 50.19, respectively of title 24, Code of Federal Regulations, as in effect on January 1, 2025, if such activities do not materially alter environmental conditions and do not materially exceed the original scope of the project:</text><subclause id="HBAEC46A6BF944C1D9B8438BAB7E019AA"><enum>(I)</enum><text>Acquisition, repair, improvement, reconstruction, or rehabilitation of public facilities and improvements (other than buildings) if the facilities and improvements are in place and will be retained in the same use without change in size or capacity of more than 20-percent, including replacement of water or sewer lines, reconstruction of curbs and sidewalks, and repaving of streets.</text></subclause><subclause id="H560F6E68E5C24FE2ABCC75605CD78ED3"><enum>(II)</enum><text>Rehabilitation of 1-to-4 unit residential buildings, and existing housing-related infrastructure, such as repairs or rehabilitation of existing wells, septics, or utility lines that connect to that housing.</text></subclause><subclause id="H29A0C39C7DFA44228AE7464B528BE083"><enum>(III)</enum><text>New construction, development, demolition, acquisition, or disposition on up to 4 scattered site existing dwelling units where there is a maximum of 4 units on any 1 site.</text></subclause><subclause id="H9373586E8A454FF1A690A1E5F89784F8"><enum>(IV)</enum><text>Acquisitions (including leasing) or disposition of, or equity loans on an existing structure, or acquisition (including leasing) of vacant land if the structure or land acquired, financed, or disposed of will be retained for the same use.</text></subclause></clause></subparagraph><subparagraph id="H4DCA2B54C11E4BF6BA84DEE70EBC0C5B"><enum>(C)</enum><text>The following housing-related activities shall be subject to regulations equivalent or substantially similar to the regulations entitled—</text><clause id="H960308B5E9C442D4BF6E3897BE213565"><enum>(i)</enum><text><quote>categorical exclusions subject to section 58.5</quote>; and</text></clause><clause id="HA3F3FF464D2D464BBD5855CD17BE5EED"><enum>(ii)</enum><text><quote>categorical exclusions subject to the Federal laws and authorities cited in sections 50.4</quote> in section 58.35(a) and section 50.20, respectively, of title 24, Code of Federal Regulations, as in effect on January 1, 2025, if such activities do not materially alter environmental conditions and do not materially exceed the original scope of the project:</text><subclause id="H2EA6F6B6F92F4CCB84788EA60F28FB63"><enum>(I)</enum><text>Acquisitions of open space or residential property, where such property will be retained for the same use or will be converted to open space to help residents relocate out of an area designated as a high-risk area by the Secretary.</text></subclause><subclause id="HBDBE9A3C25894092892F1DA14FAD0A60"><enum>(II)</enum><text>Conversion of existing office buildings into residential development, subject to—</text><item id="H34E88180B13C4B5389D51C2D5E36B792" commented="no" display-inline="no-display-inline"><enum>(aa)</enum><text display-inline="yes-display-inline">a maximum number of units to be determined by the Secretary; and</text></item><item id="H175BFFCC4E43409B89056D2E1B6FA9EA" commented="no" display-inline="no-display-inline"><enum>(bb)</enum><text display-inline="yes-display-inline">a limitation on the change in building size to not more than 20-percent.</text></item></subclause><subclause id="H62579F91057549E8A858F654E6D794D7"><enum>(III)</enum><text>New construction, development, demolition, acquisition, or disposition on 5 to 15 dwelling units where there is a maximum of 15 units on any 1 site. The units can be 15 1-unit buildings or 1 15-unit building, or any combination in between.</text></subclause><subclause id="H10526A9F0CC8413C931A7F7033080BAA"><enum>(IV)</enum><text>New construction, development, demolition, acquisition, or disposition on 15 or more housing units developed on scattered sites when there are not more than 15 housing units on any 1 site, and the sites are more than a set number of feet apart as determined by the Secretary.</text></subclause><subclause id="HF50B35A0D9F6436AA03288D8E0C7D262"><enum>(V)</enum><text>Rehabilitation of buildings and improvements in the case of a building for residential use with 5 to 15 units, if the density is not increased beyond 15 units and the land use is not changed.</text></subclause><subclause id="HD595633FD0B74CA9B809FB1F25726A31"><enum>(VI)</enum><text>Infill projects consisting of new construction, rehabilitation, or development of residential housing units.</text></subclause><subclause id="H0CAD66E9A5F740D3ABDF8FFE9EB6C2CF" commented="no"><enum>(VII)</enum><text>Buyouts, defined as the voluntary acquisition of properties located in—</text><item id="HF31D6EBD981B4FE99A4321EDEA375720" commented="no"><enum>(aa)</enum><text>a floodway;</text></item><item id="H0553128C583A425E87DF7B2F3A15BA7B" commented="no"><enum>(bb)</enum><text>a floodplain; or</text></item><item id="HE724E1DC5234468B872C9C9497203EFD" commented="no"><enum>(cc)</enum><text>an other area, clearly delineated by the grantee, that has been impacted by a predictable environmental threat to the safety and wellbeing of program beneficiaries caused or exacerbated by a federally declared disaster.</text></item></subclause></clause></subparagraph></paragraph><paragraph id="HE32B177A0EC147B7AA0F92E55A393C5D"><enum>(2)</enum><header>Report</header><text>The Secretary shall submit to the Committee on Banking, Housing, and Urban Affairs of the Senate and the Committee on Financial Services of the House of Representatives annual reports during the 5-year period beginning on the date that is 2 years after the date of enactment of this Act that provide a summary of findings of reductions in review times and administrative cost reduction, with a particular focus on the affordable housing sector, as a result of the actions set forth in this subsection, and any recommendations of the Secretary for future congressional action with respect to revising categorical exclusions or exemptions under title 24, Code of Federal Regulations.</text></paragraph></subsection><subsection id="H0960322E677D49568B737B9AF3D13488"><enum>(b)</enum><header>Better Use of Intergovernmental and Local Development for Housing</header><paragraph id="HEA1139357A0A44E3B7EECE027B286561" commented="no" display-inline="no-display-inline"><enum>(1)</enum><header>Designation of environmental review procedure</header><text>The Department of Housing and Urban Development Act (<external-xref legal-doc="usc" parsable-cite="usc/42/3531">42 U.S.C. 3531 et seq.</external-xref>) is amended by inserting after section 12 (<external-xref legal-doc="usc" parsable-cite="usc/42/3537a">42 U.S.C. 3537a</external-xref>) the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="HBE033D930ECA4B0BB5F44579B693E4CD" changed="added" reported-display-style="italic" committee-id="HBA00"><section id="H88723E0613A74CE29589696A8EA91425"><enum>13.</enum><header>Designation of environmental review procedure</header><subsection id="HC29F1E9636AF47DF99EA2562AD59B86C"><enum>(a)</enum><header>In general</header><text>Except as provided in subsection (b), the Secretary may, for purposes of environmental review, decision-making, and action pursuant to the National Environmental Policy Act of 1969 (<external-xref legal-doc="usc" parsable-cite="usc/42/4321">42 U.S.C. 4321 et seq.</external-xref>), and other provisions of law that further the purposes of such Act, designate the treatment of assistance administered by the Secretary as funds for a special project for purposes of section 305(c) of the Multifamily Housing Property Disposition Reform Act of 1994 (<external-xref legal-doc="usc" parsable-cite="usc/42/3547">42 U.S.C. 3547</external-xref>).</text></subsection><subsection id="HA8EA683593E242E7A0403F60A89CFEC7"><enum>(b)</enum><header>Exception</header><text>The designation described in subsection (a) shall not apply to assistance for which a procedure for carrying out the responsibilities of the Secretary under the National Environmental Policy Act of 1969 (<external-xref legal-doc="usc" parsable-cite="usc/42/4321">42 U.S.C. 4321 et seq.</external-xref>), and other provisions of law that further the purposes of such Act, is otherwise specified in law.</text></subsection></section><after-quoted-block>.</after-quoted-block></quoted-block></paragraph><paragraph id="H202BFA5656CA495088E83D4280FD1935"><enum>(2)</enum><header>Tribal assumption of environmental review obligations</header><text>Section 305(c) of the Multifamily Housing Property Disposition Reform Act of 1994 (<external-xref legal-doc="usc" parsable-cite="usc/42/3547">42 U.S.C. 3547</external-xref>) is amended—</text><subparagraph id="HD8096C54F90A42B5A8873621A76AC9EC"><enum>(A)</enum><text>by striking <quote>State or unit of general local government</quote> each place it appears and inserting <quote>State, Indian Tribe, or unit of general local government</quote>;</text></subparagraph><subparagraph id="H4AB77FBFDEC941FEAA3629C076CD3570" commented="no" display-inline="no-display-inline"><enum>(B)</enum><text display-inline="yes-display-inline">in paragraph (1)(C), in the heading, by striking <quote><header-in-text level="subparagraph" style="OLC">state or unit of general local government</header-in-text></quote> and inserting <quote><header-in-text level="subparagraph" style="OLC">state, Indian Tribe, or unit of general local government</header-in-text></quote>; and</text></subparagraph><subparagraph id="H63A068E7C22441CCB2EE52A308FD005C"><enum>(C)</enum><text>by adding at the end the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="H46B0E875279543ACB0A1680141624428" changed="added" reported-display-style="italic" committee-id="HBA00"><paragraph id="H861650957E134A8FA55D9C41E803197A"><enum>(5)</enum><header>Definition of Indian Tribe</header><text>For purposes of this subsection, the term <term>Indian Tribe</term> means a federally recognized Tribe, as defined in section 4(13)(B) of the Native American Housing Assistance and Self-Determination Act of 1996 (<external-xref legal-doc="usc" parsable-cite="usc/25/4103">25 U.S.C. 4103(13)(B)</external-xref>).</text></paragraph><after-quoted-block>.</after-quoted-block></quoted-block></subparagraph></paragraph></subsection><subsection id="HE39406D38B5C42C08E73A3046DF82C07" commented="no" display-inline="no-display-inline"><enum>(c)</enum><header>Infill project defined</header><text display-inline="yes-display-inline">In this section, the term <term>infill project</term> means a project that—</text><paragraph id="HA26A4A746155437E9B7C1A3987E4586D"><enum>(1)</enum><text>occurs within the geographic limits of a municipality;</text></paragraph><paragraph id="H92C4FE478EE341B1A41A5C2369926B99"><enum>(2)</enum><text>is adequately served by existing utilities and public services as required under applicable law;</text></paragraph><paragraph id="H8A70AF4209C841D0ADC24F10A8E700B8"><enum>(3)</enum><text>is located on a site of previously disturbed land of not more than 5 acres and substantially surrounded by residential or commercial development;</text></paragraph><paragraph id="H311EC3835B6A442D88C73B04DF087EB6"><enum>(4)</enum><text>will repurpose a vacant or underutilized parcel of land, or a dilapidated or abandoned structure; and</text></paragraph><paragraph id="H0DC77155DF9F4C32AB96F2679D7F3E0A"><enum>(5)</enum><text>will serve a residential or commercial purpose.</text></paragraph></subsection></section><section id="HA923586D60604FC382E9E143C4347BD2"><enum>105.</enum><header>Federal Housing Agency Application of Environmental Reviews</header><subsection id="H3A3175A163384A6AA6A71A47CF3E66DB"><enum>(a)</enum><header>Memorandum of understanding</header><paragraph id="HFED7CE39C47D47D89F644A4F6BC49A9F" commented="no" display-inline="no-display-inline"><enum>(1)</enum><header display-inline="yes-display-inline">In general</header><text>Not later than 180 days after the date of enactment of this Act, the Secretary of Housing and Urban Development and the Secretary of Agriculture shall enter into a memorandum of understanding to—</text><subparagraph id="HA82CDF4052984FC1AE06490A1CC92048" commented="no" display-inline="no-display-inline"><enum>(A)</enum><text display-inline="yes-display-inline">evaluate the use of categorical exclusions (as defined in section 111 of the National Environmental Policy Act of 1969 (<external-xref legal-doc="usc" parsable-cite="usc/42/4336e">42 U.S.C. 4336e</external-xref>)) for housing projects funded by amounts from the Department of the Housing and Urban Development and the Department of Agriculture;</text></subparagraph><subparagraph id="H7804FC93CE334EB4BC22001CAD6DDF48"><enum>(B)</enum><text>develop a process to designate a lead agency among the Department of Housing and Urban Development and the Department of Agriculture to streamline the adoption of environmental impact statements and environmental assessments approved by the other agency to construct housing projects funded by amounts from both agencies;</text></subparagraph><subparagraph id="HD68E897056184E7C9945B5D5CA79B3CE" commented="no" display-inline="no-display-inline"><enum>(C)</enum><text>maintain compliance with environmental regulations under part 58 of title 24, Code of Federal Regulations, as in effect on January 1, 2025; and</text></subparagraph><subparagraph id="H5C90C0053C99402798812508917C9294" commented="no" display-inline="no-display-inline"><enum>(D)</enum><text>evaluate the feasibility of a joint physical inspection process for housing projects funded by amounts from the Department of the Housing and Urban Development and the Department of Agriculture.</text></subparagraph></paragraph><paragraph id="HDF83A6405453447DB8F0990C6C7F1B8F" commented="no" display-inline="no-display-inline"><enum>(2)</enum><header>Advisory working group</header><subparagraph id="HA92EB9B13C8347F5A5C7F3413940DEC4" commented="no" display-inline="no-display-inline"><enum>(A)</enum><header>In general</header><text display-inline="yes-display-inline">Not later than 180 days after the date of enactment of this Act, the Secretary of Housing and Urban Development and the Secretary of Agriculture shall establish an advisory working group for the purpose of consulting on the implementation of the memorandum of understanding entered into under paragraph (1).</text></subparagraph><subparagraph id="HE804F67CD8A34BCEA3E7EE1086FF2F62" commented="no" display-inline="no-display-inline"><enum>(B)</enum><header>Members</header><text>The advisory working group established under subparagraph (A) shall consist of rural and nonrural stakeholders, including—</text><clause id="HA52B68BFF11140FEA6471A64B2541D3E"><enum>(i)</enum><text>affordable housing nonprofit organizations;</text></clause><clause id="HC1F3B4D75EF34E79A1B8F8F0B11822DF"><enum>(ii)</enum><text>State housing and housing finance agencies;</text></clause><clause id="H707303776A5143AFBB777895F90C900A"><enum>(iii)</enum><text>nonprofit and for-profit home builders and housing developers;</text></clause><clause id="HEABE7382A3074555BA0E1F690E4A4197" commented="no" display-inline="no-display-inline"><enum>(iv)</enum><text>property management companies;</text></clause><clause id="H15A15DD9330D42F49CB11FCF724A8706" commented="no" display-inline="no-display-inline"><enum>(v)</enum><text>owners of multifamily properties, including nonprofit and for-profit owners and operators;</text></clause><clause id="H438F46ACDE4245BF99CC8D0A009F5765" commented="no" display-inline="no-display-inline"><enum>(vi)</enum><text>public housing agencies;</text></clause><clause id="H1AA9F556C822481BBA042484441A2945" commented="no" display-inline="no-display-inline"><enum>(vii)</enum><text>residents in housing assisted by the Department of Housing and Urban Development or the Department of Agriculture and representatives of those residents; and</text></clause><clause id="H5CA6E3907A2644498596C820B37FBB19" commented="no" display-inline="no-display-inline"><enum>(viii)</enum><text>housing contract administrators.</text></clause></subparagraph></paragraph><paragraph id="H3DC72566B00048808F9A84B2177F7A2C" commented="no" display-inline="no-display-inline"><enum>(3)</enum><header>Report</header><text>Not later than 1 year after the date of enactment of this Act, the Secretary of Housing and Urban Development and the Secretary of Agriculture shall submit to the Committee on Banking, Housing, and Urban Affairs of the Senate and the Committee on Financial Services of the House of Representatives a report that includes recommendations for legislative, regulatory, or administrative actions—</text><subparagraph id="HA1D2DB7340E141AA83C9C05100C56FF0" commented="no" display-inline="no-display-inline"><enum>(A)</enum><text display-inline="yes-display-inline">to improve the efficiency and effectiveness of housing projects funded by amounts from the Department of the Housing and Urban Development and the Department of Agriculture; and</text></subparagraph><subparagraph id="HA4D83C3C31414B0FA5DFD22D58673F97" commented="no" display-inline="no-display-inline"><enum>(B)</enum><text>that do not materially, with respect to residents of housing projects described in subparagraph (A)—</text><clause id="HAE36BC9B45F64D09A227DA471081F894" commented="no" display-inline="no-display-inline"><enum>(i)</enum><text>reduce the safety of those residents;</text></clause><clause id="H2993322E7226404BAEEB1D42AB30CC1D" commented="no" display-inline="no-display-inline"><enum>(ii)</enum><text>shift long-term costs onto those residents; or</text></clause><clause id="HDBBDC9212C8F49FAA1517B351CDE787A" commented="no" display-inline="no-display-inline"><enum>(iii)</enum><text>undermine the environmental standards of those residents.</text></clause></subparagraph></paragraph></subsection><subsection id="HDB58729CF6ED4F04A3495BBA5E2B56EE"><enum>(b)</enum><header>Study and Review</header><paragraph id="H1985EE084B7944029CA7DD7C53806FAB"><enum>(1)</enum><header>Exemption</header><text>In providing assistance under section 501, 502, 504, 515, 533, or 538 of the Housing Act of 1949 (<external-xref legal-doc="usc" parsable-cite="usc/42/1471">42 U.S.C. 1471</external-xref>, 1472, 1474, 1485, 1490m, or 1490p–2) for the construction or modification of residential housing located on an infill site, the Secretary of Agriculture shall not be required to carry out any study or report on the environmental effects of such assistance.</text></paragraph><paragraph id="H5C7547644C174A85A7B84B1922D2119A"><enum>(2)</enum><header>Report</header><text>Not later than the date that is 5 years after the date of enactment of this section, the Secretary of Agriculture shall submit, to the Committee on Financial Services of the House of Representatives and the Committee on Banking, Housing, and Urban Affairs of the Senate, a report that—</text><subparagraph id="HA47B84C41B0E4FB680EE111EBEB54039"><enum>(A)</enum><text>determines whether the implementation of this section—</text><clause id="HFA645FE345854097913363039A7F11F5"><enum>(i)</enum><text display-inline="yes-display-inline">reduced the amount of time it takes to review an application for assistance under the sections of the Housing Act of 1949 identified in paragraph (1); and</text></clause><clause id="H6DEFC003771C4D31A6B159A6CA8435BB"><enum>(ii)</enum><text>reduced the administrative cost of providing such assistance;</text></clause></subparagraph><subparagraph id="HD818A4E2F3B54021A321B4D884902540"><enum>(B)</enum><text>describes how the implementation of this section affects the affordable housing sector in rural America; and</text></subparagraph><subparagraph id="HE9AB9F232E264EE5A22DC0B37A610092"><enum>(C)</enum><text>includes any legislative recommendations from the Secretary of Agriculture.</text></subparagraph></paragraph><paragraph id="H6B08DE65189341F085F3EDF617655C34"><enum>(2)</enum><header>Definitions</header><text>In this section:</text><subparagraph id="H1EEB95B22BD2459AB94FE84A909498F3"><enum>(A)</enum><header>Greenfield</header><text>The term <term>greenfield</term> means a site that has not been developed, including a woodland, farmland, and an open field.</text></subparagraph><subparagraph id="H2952F7D319964AC1B1F0B197C87956C2"><enum>(B)</enum><header>Infill site</header><text>The term <term>infill site</term>—</text><clause id="H0B1BA74D1CC845C79310A32EC6D13340"><enum>(i)</enum><text>means a site that is served by existing infrastructure, including water lines, sewer lines, and roads; and</text></clause><clause id="H91E2CDE32CB1463CBD49221C7D72F2AA"><enum>(ii)</enum><text>does not include—</text><subclause id="HFCD94F90BA364B3987B5153E0395BE1C"><enum>(I)</enum><text>a site that is served by existing infrastructure that only consists of a road;</text></subclause><subclause id="HA43FB6E2B31C4580A9EB73F67B350661"><enum>(II)</enum><text>a site within a census tract designated as very high or relatively high risk for wildfire, coastal flooding, and riverine flooding under the National Risk Index of the Federal Emergency Management Agency pursuant to section 206 of the Robert T. Stafford Disaster Relief and Emergency Assistance Act (<external-xref legal-doc="usc" parsable-cite="usc/42/5136">42 U.S.C. 5136</external-xref>); and</text></subclause><subclause id="HB89406C0B5954B9C8E2A85797DBDB311"><enum>(III)</enum><text>a greenfield.</text></subclause></clause></subparagraph></paragraph></subsection></section><section commented="no" display-inline="no-display-inline" id="HE236D8BD6A8E4EB0A73E462F46854B83"><enum>106.</enum><header>Multifamily loan limits</header><subsection id="H334A36D9313245B0A3829375FB240E87"><enum>(a)</enum><header>In general</header><text display-inline="yes-display-inline">Title II of the National Housing Act (<external-xref legal-doc="usc" parsable-cite="usc/12/1707">12 U.S.C. 1707 et seq.</external-xref>) is amended—</text><paragraph commented="no" display-inline="no-display-inline" id="H27E3ADFB4118435FBF087E4F934330F7"><enum>(1)</enum><text display-inline="yes-display-inline">in section 206A (<external-xref legal-doc="usc" parsable-cite="usc/12/1712a">12 U.S.C. 1712a</external-xref>)—</text><subparagraph commented="no" display-inline="no-display-inline" id="H100F245235F949EC9886B838011B889F"><enum>(A)</enum><text display-inline="yes-display-inline">in subsection (a), in the matter following paragraph (7), by striking <quote>(commencing in 2004</quote> and all that follows through the period at the end and inserting the following: <quote>, commencing on January 1, 2026. The adjustment of the Dollar Amounts shall be calculated by the Secretary using the percentage change in the Price Deflator Index of Multifamily Residential Units Under Construction released by the Bureau of the Census from March of the previous year to March of the year in which the adjustment is made, or calculated by the Secretary using an alternative indicator after publishing information about such alternative indicator in the Federal Register for public comment if the Price Deflator Index of Multifamily Residential Units Under Construction is not available or published.</quote>; and</text></subparagraph><subparagraph commented="no" display-inline="no-display-inline" id="H3BE0C0DDABD142BDB59F61F77E464ACF"><enum>(B)</enum><text display-inline="yes-display-inline">by striking subsection (b) and inserting the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="H3FE75606B943496A952F766E1138512C" changed="added" reported-display-style="italic" committee-id="HBA00"><subsection id="H4D9219C5E7054D6E855653A5995F6C5A"><enum>(b)</enum><header>Rounding</header><text>The dollar amount of any adjustment described in subsection (a) shall be rounded to the next lower dollar. </text></subsection><subsection commented="no" display-inline="no-display-inline" id="H7D37C4FE8F88422C94353111245EC7DE"><enum>(c)</enum><header>Publication</header><text display-inline="yes-display-inline">The Secretary shall publish in the Federal Register any adjustments made to the Dollar Amounts.</text></subsection><after-quoted-block>;</after-quoted-block></quoted-block></subparagraph></paragraph><paragraph id="H91D09E49A3DC4F83A1ED9477B82F45F2"><enum>(2)</enum><text>in section 207(c)(3)(A) (<external-xref legal-doc="usc" parsable-cite="usc/12/1713">12 U.S.C. 1713(c)(3)(A)</external-xref>)—</text><subparagraph id="HF1A6238599E4444AA2A988E1476586BC"><enum>(A)</enum><text>by striking <quote>$38,025</quote> and inserting <quote>$167,310</quote>;</text></subparagraph><subparagraph id="H8557F724C094408EB171A5C583CBAED0"><enum>(B)</enum><text>by striking <quote>$42,120</quote> and inserting <quote>$185,328</quote>;</text></subparagraph><subparagraph id="H0F45F35E8DE04B0F86B61C4CF79B1DAE"><enum>(C)</enum><text>by striking <quote>$50,310</quote> and inserting <quote>$221,364</quote>;</text></subparagraph><subparagraph id="H03DCD4E86AAD485BB0052520930EFC73"><enum>(D)</enum><text>by striking <quote>$62,010</quote> and inserting <quote>$272,844</quote>;</text></subparagraph><subparagraph id="HB45F23DC97EC4A09891FC7A48B618A09"><enum>(E)</enum><text>by striking <quote>$70,200</quote> and inserting <quote>$308,880</quote>;</text></subparagraph><subparagraph id="H99479F3C86984B98B63CCD47CBA94413"><enum>(F)</enum><text>by striking <quote>, or not to exceed $17,460 per space</quote>;</text></subparagraph><subparagraph id="H5E2B3A4C338947D3A9FD09C6FFA31EA5"><enum>(G)</enum><text>by striking <quote>$43,875</quote> and inserting <quote>$193,050</quote>;</text></subparagraph><subparagraph id="HBCEE618BAB1A4561BAB562B60BC6EF4D"><enum>(H)</enum><text>by striking <quote>$49,140</quote> and inserting <quote>$216,216</quote>;</text></subparagraph><subparagraph id="HA264521BE0CB411283476E0AD42010F6"><enum>(I)</enum><text>by striking <quote>$60,255</quote> and inserting <quote>$265,122</quote>;</text></subparagraph><subparagraph id="H0F029A7BC4C6442E82214AB3311E6C93"><enum>(J)</enum><text>by striking <quote>$75,465</quote> and inserting <quote>$332,046</quote>; and</text></subparagraph><subparagraph commented="no" display-inline="no-display-inline" id="HF49B6286B9EC47848535CF9EB20AC0EE"><enum>(K)</enum><text>by striking <quote>$85,328</quote> and inserting <quote>$375,443</quote>;</text></subparagraph></paragraph><paragraph commented="no" display-inline="no-display-inline" id="HCE23C1D38AE24BAA9182F13E5A832B96"><enum>(3)</enum><text display-inline="yes-display-inline">in section 213(b)(2) (<external-xref legal-doc="usc" parsable-cite="usc/12/1715e">12 U.S.C. 1715e(b)(2)</external-xref>)—</text><subparagraph id="H6DF4D042074048D29F437129FA22E49D"><enum>(A)</enum><text>by striking <quote>$41,207</quote> and inserting <quote>$181,311</quote>;</text></subparagraph><subparagraph id="H46998FF658FB4001AFF5A08E74D3D104"><enum>(B)</enum><text>by striking <quote>$47,511</quote> and inserting <quote>$209,048</quote>;</text></subparagraph><subparagraph id="HEC1E90AEE29B47C1A3EC42938C979E65"><enum>(C)</enum><text>by striking <quote>$57,300</quote> and inserting <quote>$252,120</quote>;</text></subparagraph><subparagraph id="H983C96204C49468F8FCDF040AD6945A8"><enum>(D)</enum><text>by striking <quote>$73,343</quote> and inserting <quote>$322,709</quote>;</text></subparagraph><subparagraph id="HA0EF11825F674F33B2EE5C8A2250F1BF"><enum>(E)</enum><text>by striking <quote>$81,708</quote> and inserting <quote>$359,515</quote>;</text></subparagraph><subparagraph id="HEB7766F5ED7041F1A86C342C8A5E2B45"><enum>(F)</enum><text>by striking <quote>$43,875</quote> and inserting <quote>$193,050</quote>;</text></subparagraph><subparagraph id="HF3568B23742840E4BFDECEC7A0509CFF"><enum>(G)</enum><text>by striking <quote>$49,710</quote> and inserting <quote>$218,724</quote>;</text></subparagraph><subparagraph id="H4314F76DE481410FB1755EB79F5BB09D"><enum>(H)</enum><text>by striking <quote>$60,446</quote> and inserting <quote>$265,962</quote>;</text></subparagraph><subparagraph id="H9B2A28C59D794DEEBBAE84DE0361028B"><enum>(I)</enum><text>by striking <quote>$78,197</quote> and inserting <quote>$344,067</quote>; and</text></subparagraph><subparagraph id="H9B9F9CA1BB93497A87B2468EBBF8C8C7"><enum>(J)</enum><text>by striking <quote>$85,836</quote> and inserting <quote>$377,678</quote>;</text></subparagraph></paragraph><paragraph commented="no" display-inline="no-display-inline" id="HD36426D482B04F6F946C1FFC2382EE0A"><enum>(4)</enum><text>in section 220(d)(3)(B)(iii)(I) (<external-xref legal-doc="usc" parsable-cite="usc/12/1715k">12 U.S.C. 1715k(d)(3)(B)(iii)(I)</external-xref>)—</text><subparagraph id="H39D3D9AA9DA745DEBDF25F6865CDB230"><enum>(A)</enum><text>by striking <quote>$38,025</quote> and inserting <quote>$167,310</quote>;</text></subparagraph><subparagraph id="H9918B26DD7AF4777BFC1F3618AFE2FC8"><enum>(B)</enum><text>by striking <quote>$42,120</quote> and inserting <quote>$185,328</quote>;</text></subparagraph><subparagraph id="H9302DF1041A7458A91F4B5AB74A682E4"><enum>(C)</enum><text>by striking <quote>$50,310</quote> and inserting <quote>$221,364</quote>;</text></subparagraph><subparagraph id="HF1E897F153FE475C8B9826DB2A69CF3B"><enum>(D)</enum><text>by striking <quote>$62,010</quote> and inserting <quote>$272,844</quote>;</text></subparagraph><subparagraph id="HD481AAD1CDC64F14A4CF26E9EDE8CAF3"><enum>(E)</enum><text>by striking <quote>$70,200</quote> and inserting <quote>$308,880</quote>;</text></subparagraph><subparagraph id="HA9D338EF89F14F3CB744EB9815AE89C1"><enum>(F)</enum><text>by striking <quote>$43,875</quote> and inserting <quote>$193,050</quote>;</text></subparagraph><subparagraph id="HA6E9CDC089D2478AB094959D0724D5B0"><enum>(G)</enum><text>by striking <quote>$49,140</quote> and inserting <quote>$216,216</quote>;</text></subparagraph><subparagraph id="H89D3C8EF092841388D8B1BEF8CC607EC"><enum>(H)</enum><text>by striking <quote>$60,255</quote> and inserting <quote>$265,122</quote>;</text></subparagraph><subparagraph id="H26772DAB90094BDF869BFF514CBA34FC"><enum>(I)</enum><text>by striking <quote>$75,465</quote> and inserting <quote>$332,046</quote>; and</text></subparagraph><subparagraph commented="no" display-inline="no-display-inline" id="H97BE02693C914064A3B62AD4BF89C1B8"><enum>(J)</enum><text>by striking <quote>$85,328</quote> and inserting <quote>$375,443</quote>;</text></subparagraph></paragraph><paragraph commented="no" display-inline="no-display-inline" id="H774503BF73264F37B4A858E90E3ACA59"><enum>(5)</enum><text display-inline="yes-display-inline">in section 221(d)(4)(ii)(I) (<external-xref legal-doc="usc" parsable-cite="usc/12/1715l">12 U.S.C. 1715l(d)(4)(ii)(I)</external-xref>)—</text><subparagraph id="H3ED02ADE452A4595A27FA5F2C83242C1"><enum>(A)</enum><text>by striking <quote>$37,843</quote> and inserting <quote>$166,509</quote>;</text></subparagraph><subparagraph id="H08A0DF422DF044D3ADD1FFD32CB833F3"><enum>(B)</enum><text>by striking <quote>$42,954</quote> and inserting <quote>$188,997</quote>;</text></subparagraph><subparagraph id="H4CF7F85B4D6D48E18B68CC254923B419"><enum>(C)</enum><text>by striking <quote>$51,920</quote> and inserting <quote>$228,448</quote>;</text></subparagraph><subparagraph id="H3C01A3568185413093C4D3B9678CE985"><enum>(D)</enum><text>by striking <quote>$65,169</quote> and inserting <quote>$286,744</quote>;</text></subparagraph><subparagraph id="HFBEA9777288F4C38A456DDB2AFB82556"><enum>(E)</enum><text>by striking <quote>$73,846</quote> and inserting <quote>$324,922</quote>;</text></subparagraph><subparagraph id="H8BE3A275D4004E1592DE0A0C1D5ABC8F"><enum>(F)</enum><text>by striking <quote>$40,876</quote> and inserting <quote>$179,854</quote>;</text></subparagraph><subparagraph id="H853B6804942E4A8E91ABDE7FCA21D287"><enum>(G)</enum><text>by striking <quote>$46,859</quote> and inserting <quote>$206,180</quote>;</text></subparagraph><subparagraph id="H799963878173491BADEAEBB8CE40AE4E"><enum>(H)</enum><text>by striking <quote>$56,979</quote> and inserting <quote>$250,708</quote>;</text></subparagraph><subparagraph id="HFEAFBDDC2EA44CF99E8223BDEE538FB2"><enum>(I)</enum><text>by striking <quote>$73,710</quote> and inserting <quote>$324,324</quote>; and</text></subparagraph><subparagraph id="H2BBCB4C3237942B8A7A7C6E6DDC557C1"><enum>(J)</enum><text>by striking <quote>$80,913</quote> and inserting <quote>$356,017</quote>;</text></subparagraph></paragraph><paragraph commented="no" display-inline="no-display-inline" id="HF8138DCE3A4C4162BBBD8A60ADDE61C1"><enum>(6)</enum><text display-inline="yes-display-inline">in section 231(c)(2)(A) (<external-xref legal-doc="usc" parsable-cite="usc/12/1715v">12 U.S.C. 1715v(c)(2)(A)</external-xref>)—</text><subparagraph id="H409D207BD473438CA39AFFA781CD4479"><enum>(A)</enum><text>by striking <quote>$35,978</quote> and inserting <quote>$166,509</quote>;</text></subparagraph><subparagraph id="H08FB409202814DE19E1F3B17A9EC9E5F"><enum>(B)</enum><text>by striking <quote>$40,220</quote> and inserting <quote>$188,997</quote>;</text></subparagraph><subparagraph id="H82D55F968A114292AB12D1A9F425102F"><enum>(C)</enum><text>by striking <quote>$48,029</quote> and inserting <quote>$228,448</quote>;</text></subparagraph><subparagraph id="H3E7A35853FED4EE1B70B9BDCC41E1F69"><enum>(D)</enum><text>by striking <quote>$57,798</quote> and inserting <quote>$286,744</quote>;</text></subparagraph><subparagraph id="HF41AE118F7AF4492A77FB5A8EC0046CC"><enum>(E)</enum><text>by striking <quote>$67,950</quote> and inserting <quote>$324,922</quote>;</text></subparagraph><subparagraph id="H8E4E1198BD674FAD95B9E54AF5A68C0A"><enum>(F)</enum><text>by striking <quote>$40,876</quote> and inserting <quote>$179,854</quote>;</text></subparagraph><subparagraph id="H2D6454539DF949A7A27630891CEE7AD0"><enum>(G)</enum><text>by striking <quote>$46,859</quote> and inserting <quote>$206,180</quote>;</text></subparagraph><subparagraph id="H09EC14E0296D438E9E2A5D994602DE95"><enum>(H)</enum><text>by striking <quote>$56,979</quote> and inserting <quote>$250,708</quote>;</text></subparagraph><subparagraph id="H754FB86115E541AA98C2B1DAC70F9926"><enum>(I)</enum><text>by striking <quote>$73,710</quote> and inserting <quote>$324,324</quote>; and</text></subparagraph><subparagraph id="H5C2D40E0C71D43188309C3DD7490A6F0"><enum>(J)</enum><text>by striking <quote>$80,913</quote> and inserting <quote>$356,017</quote>; and</text></subparagraph></paragraph><paragraph commented="no" display-inline="no-display-inline" id="HE352C89BA67C4E8F909BD4E2C758155F"><enum>(7)</enum><text>in section 234(e)(3)(A) (<external-xref legal-doc="usc" parsable-cite="usc/12/1715y">12 U.S.C. 1715y(e)(3)(A)</external-xref>)—</text><subparagraph id="HCC87B8DCBDB34C6CA3971892453AC8AE"><enum>(A)</enum><text>by striking <quote>$42,048</quote> and inserting <quote>$185,011</quote>;</text></subparagraph><subparagraph id="H53D4FB50E899427E94EC585A76408D25"><enum>(B)</enum><text>by striking <quote>$48,481</quote> and inserting <quote>$213,316</quote>;</text></subparagraph><subparagraph id="H8F1B536A2AC945CBB852E21A1F1F71A7"><enum>(C)</enum><text>by striking <quote>$58,469</quote> and inserting <quote>$257,263</quote>;</text></subparagraph><subparagraph id="H691D7BD3FE424EEFB74595896A2B28F4"><enum>(D)</enum><text>by striking <quote>$74,840</quote> and inserting <quote>$329,296</quote>;</text></subparagraph><subparagraph id="HAD75DA37ECDC4E29BC581AEFEFED90F9"><enum>(E)</enum><text>by striking <quote>$83,375</quote> and inserting <quote>$366,850</quote>;</text></subparagraph><subparagraph id="HD63E09D113914CD7AFAE806E14E8354D"><enum>(F)</enum><text>by striking <quote>$44,250</quote> and inserting <quote>$194,700</quote>;</text></subparagraph><subparagraph id="H69C4C28622654366BA2F172C95C13C30"><enum>(G)</enum><text>by striking <quote>$50,724</quote> and inserting <quote>$223,186</quote>;</text></subparagraph><subparagraph id="H77652BA38253404DB7D85FBD1750029A"><enum>(H)</enum><text>by striking <quote>$61,680</quote> and inserting <quote>$271,392</quote>;</text></subparagraph><subparagraph id="H26E1673349694526B63448AA06741215"><enum>(I)</enum><text>by striking <quote>$79,793</quote> and inserting <quote>$351,089</quote>; and</text></subparagraph><subparagraph id="H10EE68F93C1C495BBBB9B0187B98AECA"><enum>(J)</enum><text>by striking <quote>$87,588</quote> and inserting <quote>$385,387</quote>.</text></subparagraph></paragraph></subsection><subsection id="H1BB9689563C343AD9B65348078369698"><enum>(b)</enum><header>Rule of construction</header><text display-inline="yes-display-inline">Nothing in this section or the amendments made by this section may be construed to limit the authority of the Secretary of Housing and Urban Development to revise the statutory exceptions for high-cost percentage and high-cost areas annual indexing.</text></subsection></section><section id="H7932F9A15CB5483098D605A33020CEAC"><enum>107.</enum><header>GAO studies</header><subsection id="H2B90E85652894DD3A587F284523D48E3"><enum>(a)</enum><header>Workforce housing study</header><paragraph id="H899B85A16C994A3FAECD7A434E0A474B"><enum>(1)</enum><header>In general</header><text>Not later than 1 year after the date of the enactment of this section, the Comptroller General of the United States shall conduct a study and submit to the Congress a report that—</text><subparagraph id="HACF35DF4B91C4FCB85D396A0B66B5D4D" commented="no"><enum>(A)</enum><text>identifies obstacles middle-income households face when looking to secure affordable housing;</text></subparagraph><subparagraph id="H07DA0B4B86FA4A60A8A9C9739816CB43"><enum>(B)</enum><text display-inline="yes-display-inline">identifies geographic areas where housing is the most unaffordable and unavailable for middle-income households;</text></subparagraph><subparagraph id="H1B0964E89FAF432A9D0827FB6B28A107"><enum>(C)</enum><text display-inline="yes-display-inline">includes a list of Federal housing programs, including Federal tax credits, grants, and loan programs, that are not available to middle-income households due to their income status, including Federal housing programs designed to promote affordability;</text></subparagraph><subparagraph id="H67FFFB387C4E4DAFA39BE3F6B273FC54"><enum>(D)</enum><text display-inline="yes-display-inline">recommends income and other parameters to establish a clear and consistent Federal definition for the term <term>workforce housing</term> for use when describing the segment of housing that could be made available to such middle-income households in Federal housing programs if funding commensurate with the additional eligibility were to be made available; and</text></subparagraph><subparagraph id="H4D1F84F9A68148B7B26BDA6D87733FAE"><enum>(E)</enum><text display-inline="yes-display-inline">analyzes how to modify or newly develop new Federal housing programs and incentives to include <quote>workforce housing</quote> if funding commensurate with the additional eligibility were to be made available.</text></subparagraph></paragraph><paragraph id="HAB8B21E4B7C74FD4912C6BAAC4510DB2"><enum>(2)</enum><header>Middle-income household defined</header><text display-inline="yes-display-inline">In this subsection, the term <term>middle income household</term> means a household with an income above 80-percent but that does not exceed 120-percent of the median family income of the area, as determined by the Secretary with adjustments for smaller and larger families.</text></paragraph></subsection><subsection id="H520C4B8EB8CA4C17B51BC47F13597BE3"><enum>(b)</enum><header>Uniform building code study</header><text display-inline="yes-display-inline">Not later than 1 year after the date of the enactment of this section, the Comptroller General of the United States shall conduct a study and submit a report to the Congress that examines the costs and benefits that could be associated with establishing a Federal uniform residential building code, including whether such a code could—</text><paragraph id="HAEDF0F10DAAE4B068543AFDCB4B1EFED"><enum>(1)</enum><text>reduce the amount of time required for units of local government to approve new construction;</text></paragraph><paragraph id="HBF8563867392423FB88AF32E54169AD6"><enum>(2)</enum><text>reduce the cost of residential construction in the United States; or</text></paragraph><paragraph id="H34643E1ABBCA4DAD8143C6D217431BE3"><enum>(3)</enum><text>increase the quality of available and affordable residential housing in the United States.</text></paragraph></subsection></section><enum>II</enum><header>Modernizing Local Development and Rural Housing Programs</header><section id="H70E5402081824425970A4AD5D9411247"><enum>201.</enum><header>HOME Reform</header><subsection id="H427E5720220049049FB4CC7AF848E237" display-inline="no-display-inline"><enum>(a)</enum><header>In general</header><text display-inline="yes-display-inline">Section 104 of the Cranston-Gonzalez National Affordable Housing Act (<external-xref legal-doc="usc" parsable-cite="usc/42/12704">42 U.S.C. 12704</external-xref>) is amended—</text><paragraph id="H54FE75A09C5041FEBC0BEF125137F8F8"><enum>(1)</enum><text>in paragraph (6)(B), by striking <quote>significant</quote>; and</text></paragraph><paragraph id="HC5F812FE8A8045B087C95735BD4CCDE7"><enum>(2)</enum><text>by adding at end the following new paragraph:</text><quoted-block style="OLC" display-inline="no-display-inline" id="H24485A98DD2F48849FF9298327D2455E" changed="added" reported-display-style="italic" committee-id="HBA00"><paragraph id="HBF24A0A679B34DF6A16B27ACDF78EC7A" commented="no"><enum>(26)</enum><text display-inline="yes-display-inline">The term <term>infill housing project</term> means a residential housing project that—</text><subparagraph id="H4055E6BCF3DA470ABE0E643022F1A97B" commented="no"><enum>(A)</enum><text>is located within the geographic limits of a municipality;</text></subparagraph><subparagraph id="HE8188268AE8C4DD6A2EB95342362CFA3" commented="no"><enum>(B)</enum><text display-inline="yes-display-inline">is adequately served by existing utilities and public services as required under applicable law;</text></subparagraph><subparagraph id="H04798430FD0A4A1E9E153902250FB6B5" commented="no"><enum>(C)</enum><text display-inline="yes-display-inline">is located on a site of previously disturbed land of not more than 5 acres; and</text></subparagraph><subparagraph id="H1E5B15774F474FF1903125B4EF598DA0" commented="no"><enum>(D)</enum><text display-inline="yes-display-inline">is substantially surrounded by residential or commercial development, as determined by the Secretary.</text></subparagraph></paragraph><after-quoted-block>.</after-quoted-block></quoted-block></paragraph></subsection><subsection id="HD3780E6004E44F02A73D563F25B2B535" display-inline="no-display-inline"><enum>(b)</enum><header>Assistance for low-Income families</header><text display-inline="yes-display-inline">Title II of the Cranston-Gonzalez National Affordable Housing Act (<external-xref legal-doc="usc" parsable-cite="usc/42/12721">42 U.S.C. 12721 et seq.</external-xref>) is amended—</text><paragraph id="H0C96E37D538643B7AFDEFDC624811967"><enum>(1)</enum><text>in section 214(2), by striking <quote>households that qualify as low-income families</quote> and inserting <quote>families with a household income that does not exceed 100-percent of the median-family income of the area, as determined by the Secretary</quote>;</text></paragraph><paragraph id="H9E0C7185725D454395597A4B3FAE6AA7"><enum>(2)</enum><text display-inline="yes-display-inline">in section 215—</text><subparagraph id="HA00794EB67F54FE9B42948B97455920B"><enum>(A)</enum><text>in subsection (b)(2), by striking <quote>whose family qualifies as a low-income family</quote> and inserting <quote>with a family income that does not exceed 100-percent of the median-family income of the area as determined by the Secretary with adjustments for smaller and larger families</quote>; and</text></subparagraph><subparagraph id="H31A4EE6C315143AA9EFD5D157597A12E"><enum>(B)</enum><text>in subsection (b)(3)(A)(ii), by striking <quote>low-income homebuyers</quote> and inserting <quote>homebuyers with a household income that does not exceed 100-percent of the median-family income of the area, as determined by the Secretary with adjustments for smaller and larger families</quote>; and</text></subparagraph></paragraph><paragraph id="H8A754F3E89D04549B8288A55092E1B18"><enum>(3)</enum><text display-inline="yes-display-inline">in section 271(c)—</text><subparagraph id="HD658D85969C54A63AD8264C6244A3403"><enum>(A)</enum><text>in paragraph (1)(B), by striking <quote>low-income</quote> and inserting <quote>families with a household income that does not exceed 100-percent of the median-family income of the area as determined by the Secretary with adjustments for smaller and larger families</quote>; and</text></subparagraph><subparagraph id="H5D5CF9EB0FA7404B966CF46325714CDD"><enum>(B)</enum><text>in paragraph (2)(A), by striking <quote>low-income families</quote> and inserting <quote>families with a household income that does not exceed 100-percent of the median-family income of the area as determined by the Secretary with adjustments for smaller and larger families</quote>.</text></subparagraph></paragraph></subsection><subsection id="H21D5A025D12C43A980E9A708BEF25B76"><enum>(c)</enum><header>Choices made by participating jurisdictions</header><text>Section 212(a)(2) of the Cranston-Gonzalez National Affordable Housing Act (<external-xref legal-doc="usc" parsable-cite="usc/42/12742">42 U.S.C. 12742</external-xref>) is amended to read as follows:</text><quoted-block style="OLC" id="HDE557AC67FA44D3989608CF282711AE9" display-inline="no-display-inline" changed="added" reported-display-style="italic" committee-id="HBA00"><paragraph id="H2E4CBB0140554AA18E7A27E2FB101242"><enum>(2)</enum><header>Limitation</header><text display-inline="yes-display-inline">The Secretary may not restrict a participating jurisdiction’s choice of rehabilitation, substantial rehabilitation, new construction, reconstruction, acquisition, or other eligible housing uses authorized in paragraph (1) unless such restriction is explicitly authorized under section 223(2).</text></paragraph><after-quoted-block>.</after-quoted-block></quoted-block></subsection><subsection id="H087EFA1FE7EC474C8AC5EB9F656236B1" commented="no" display-inline="no-display-inline"><enum>(d)</enum><header>Use of amounts by certain jurisdictions for infrastructure improvements</header><paragraph id="HC3D30FB96BF145E6925D9A237D696D96" commented="no"><enum>(1)</enum><header>In general</header><text>Section 212(a) of the Cranston-Gonzalez National Affordable Housing Act (<external-xref legal-doc="usc" parsable-cite="usc/42/12742">42 U.S.C. 12742(a)</external-xref>) is amended by inserting after paragraph (3) the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="HF5DC9B6B37B249F6BBD06517F0FB163B" changed="added" reported-display-style="italic" committee-id="HBA00"><paragraph id="H4EDDFE307FC9465C93B790E9A76F879D" commented="no"><enum>(4)</enum><header>Infrastructure improvements in nonentitlement areas</header><subparagraph id="HAA283A81328F40CD8F9AA5813966D623"><enum>(A)</enum><header>In general</header><text display-inline="yes-display-inline">A participating jurisdiction may use funds provided under this subtitle for infrastructure improvements, including the installation or repair of water and sewer lines, sidewalks, roads, and utility connections if—</text><clause id="HCCE777D1AF024F22BEF2789E6C6CC719"><enum>(i)</enum><text>such participating jurisdiction does not receive assistance under title I of the Housing and Community Development Act of 1974; and</text></clause><clause id="H436CCBF653AC45A1901826F06ED1EF2C"><enum>(ii)</enum><text>such improvements are directly related to, and located within or immediately adjacent to—</text><subclause id="H679F9D4CD64E42A18C8AA9EF2CFA6554" commented="no"><enum>(I)</enum><text>housing assisted under this subtitle; or</text></subclause><subclause id="HCF9C0883AFB04956BFB50BCEBA01027B" commented="no"><enum>(II)</enum><text>housing assisted under <external-xref legal-doc="usc" parsable-cite="usc/26/42">section 42</external-xref> of the Internal Revenue Code of 1986.</text></subclause></clause></subparagraph><subparagraph id="H1DEBB6CA5FB74C39A5EFF73D199E70BD"><enum>(B)</enum><header>Application of labor standards</header><text display-inline="yes-display-inline">The labor standards and requirements set forth in section 110 of the Housing and Community Development Act of 1974 (<external-xref legal-doc="usc" parsable-cite="usc/42/5310">42 U.S.C. 5310</external-xref>) shall apply to any infrastructure improvement conducted using funds provided under this subtitle.</text></subparagraph><subparagraph id="HA69C9684DC7E49F987F7D0E6E8CA3883"><enum>(C)</enum><header>Rule of construction</header><text display-inline="yes-display-inline">Nothing in this paragraph may be construed to impose any requirements of the HOME Investment Partnerships program on housing that benefits from an infrastructure improvement conducted using funds provided under this subtitle but was not otherwise assisted under the HOME Investment Partnerships program.</text></subparagraph></paragraph><after-quoted-block>.</after-quoted-block></quoted-block></paragraph><paragraph id="H24B48666F11D425DB98058A99C2DF0E4" commented="no" display-inline="no-display-inline"><enum>(2)</enum><header>Rulemaking</header><text display-inline="yes-display-inline">Not later than 1 year after the date of the enactment of this section, the Secretary shall issue rules to carry out the amendment made by paragraph (1).</text></paragraph></subsection><subsection id="H4EA2C296D3F749378AA834A6C8334F2B"><enum>(e)</enum><header>Per unit investment limitations</header><text>Section 212(e)(1) of the Cranston-Gonzalez National Affordable Housing Act (<external-xref legal-doc="usc" parsable-cite="usc/42/12742">42 U.S.C. 12742(e)(1)</external-xref>) is amended by striking the second sentence.</text></subsection><subsection id="H518DB32859844953989072DE0A26C2F7"><enum>(f)</enum><header>Affordable rental housing qualifications</header><text>Section 215(a) of the Cranston-Gonzalez National Affordable Housing Act (<external-xref legal-doc="usc" parsable-cite="usc/42/12745">42 U.S.C. 12745(a)</external-xref>) is amended by adding at the end the following: </text><quoted-block style="OLC" id="HC802CEE51EFB43B4BA4CBFC94192D952" display-inline="no-display-inline" changed="added" reported-display-style="italic" committee-id="HBA00"><paragraph id="H47209184106849FE992BFC12A2696751"><enum>(7)</enum><header>Qualification Exception</header><text display-inline="yes-display-inline">Notwithstanding paragraph (1)(A), a rental unit shall be considered to qualify as affordable housing under this title if—</text><subparagraph id="H90330153C5DA428ABD0F45A15073C398"><enum>(A)</enum><text display-inline="yes-display-inline">the unit is occupied by a tenant receiving tenant-based rental assistance under section 8 of the United States Housing Act of 1937 (<external-xref legal-doc="usc" parsable-cite="usc/42/1437f">42 U.S.C. 1437f</external-xref>);</text></subparagraph><subparagraph id="H3D9D86DEF78142B1A850A16EE7EDC66E"><enum>(B)</enum><text>the tenant’s contribution toward rent does not exceed the amount permitted under such section 8 assistance; and</text></subparagraph><subparagraph id="H757F98401E784D67BBDAF568A2E47B5D"><enum>(C)</enum><text display-inline="yes-display-inline">the total rent for the unit does not exceed the amount approved by the public housing agency administering the assistance under that program.</text></subparagraph></paragraph><after-quoted-block>.</after-quoted-block></quoted-block></subsection><subsection id="HA9729435E0404F618B0BD17F12AF2EE8"><enum>(g)</enum><header>Affordable homeownership housing qualifications</header><text>Section 215 of the Cranston-Gonzalez National Affordable Housing Act (<external-xref legal-doc="usc" parsable-cite="usc/42/12745">42 U.S.C. 12745(b)</external-xref>) is amended—</text><paragraph id="H5E042FE204114F7D9909F88D9E0F0958"><enum>(1)</enum><text display-inline="yes-display-inline">in subsection (b)—</text><subparagraph id="H162F7B0262A6461FB583AFA19AB02891"><enum>(A)</enum><text>in paragraph (1), by striking <quote>95 percent</quote> and inserting <quote>110 percent</quote>;</text></subparagraph><subparagraph id="HC4B87A68F066482E9C10416FD0949E11"><enum>(B)</enum><text>in paragraph (3)—</text><clause id="H34A14217896743A7B055C83239018E39"><enum>(i)</enum><text>in subparagraph (A)(ii), by striking <quote>or</quote> at the end;</text></clause><clause id="HD49CAB889FF749AFA245E64E115851F2"><enum>(ii)</enum><text>in subparagraph (B), by striking <quote>and</quote> at the end and inserting <quote>or</quote>; and</text></clause><clause id="HA73A2BB30A2D455C8829F917860BB127"><enum>(iii)</enum><text>by adding at the end the following new subparagraph:</text><quoted-block style="OLC" id="HB778D19982E94FD1AAA8BBE0FA0346E3" display-inline="no-display-inline" changed="added" reported-display-style="italic" committee-id="HBA00"><subparagraph id="HA5B98C2B36BD4744B9AFB8295BEE5AE3" commented="no"><enum>(C)</enum><text display-inline="yes-display-inline">maintain long-term affordability through a shared equity ownership model, a community land trust, a limited equity cooperative, a community development corporation, or other mechanism approved by the Secretary, that preserves affordability for future eligible homebuyers and ensures compliance with the purposes of this title, including through the use of purchase options, rights of first refusal or other preemptive rights to purchase housing; and</text></subparagraph><after-quoted-block>; and</after-quoted-block></quoted-block></clause></subparagraph></paragraph><paragraph id="HAF275ABF915144EC81906E72E48EEAF9"><enum>(2)</enum><text display-inline="yes-display-inline">by adding at the end the following:</text><quoted-block style="OLC" id="HE89AD979D2BD40F7B49E4D8B636EB2AC" display-inline="no-display-inline" changed="added" reported-display-style="italic" committee-id="HBA00"><subsection id="HF70D4AFA644F4D6E85641DE7F3B37F1B" commented="no"><enum>(c)</enum><header>Qualification exceptions for homeownership</header><paragraph id="H3C785F2A0E304808A87A3441CA8461D9" commented="no"><enum>(1)</enum><header>Military members</header><text display-inline="yes-display-inline">A participating jurisdiction, in accordance with terms established by the Secretary, may suspend or waive the income qualifications described in subsection (b)(2) with respect to housing that otherwise meets the criteria described in subsection (b) if the owner of the housing—</text><subparagraph id="HA0E07C88EBB84B4BA85A94762AC44502" commented="no"><enum>(A)</enum><text display-inline="yes-display-inline">is a member of a regular component of the armed forces or a member of the National Guard on full-time National Guard duty, active Guard and Reserve duty, or inactive-duty training (as those terms are defined in section 101(d) of title 10, United States Code); and</text></subparagraph><subparagraph id="H0BEEE7F7D45B47E5B632FBD770BCE4F9" commented="no"><enum>(B)</enum><text display-inline="yes-display-inline">has received—</text><clause id="H5B396B5C7EC14A8E9DE8FA36458F33B9" commented="no"><enum>(i)</enum><text display-inline="yes-display-inline">temporary duty orders to deploy with a military unit or military orders to deploy as an individual acting in support of a military operation, to a location that is not within a reasonable distance from the housing, as determined by the Secretary, for a period of not less than 90 days; or</text></clause><clause id="H63DECA416AFD40CF98DFE0A4E02AF0B9" commented="no"><enum>(ii)</enum><text display-inline="yes-display-inline">orders for a permanent change of station.</text></clause></subparagraph></paragraph><paragraph id="H44A82213304D418081072CA230F403A4"><enum>(2)</enum><header>Heirs and beneficiaries of deceased owners</header><text>Housing that meets the criteria described in subsection (b)(3) prior to the death of an owner of such housing shall continue to qualify as affordable housing under this title if—</text><subparagraph id="HCE9C2F31B0194FF18FE1BA6998399859"><enum>(A)</enum><text>the housing is the principal residence of an heir or beneficiary of the deceased owner, as defined by the Secretary; and</text></subparagraph><subparagraph id="H91AB4E5EEE774D67AAEEC1A98EC5C751"><enum>(B)</enum><text>the heir or beneficiary, in accordance with terms established by the Secretary, assumes the duties and obligations of the deceased owner with respect to funds provided under this title.</text></subparagraph></paragraph></subsection><after-quoted-block>.</after-quoted-block></quoted-block></paragraph></subsection><subsection id="H395E222696E84BB4B4BD54C250F4C372"><enum>(h)</enum><header>Elimination of expiration of right to draw home investment trust funds</header><text>Section 218 of the Cranston-Gonzalez National Affordable Housing Act (<external-xref legal-doc="usc" parsable-cite="usc/42/12748">42 U.S.C. 12748</external-xref>) is amended—</text><paragraph id="H3E73142046D44A5CACE451E97A2A25A6"><enum>(1)</enum><text>by striking subsection (g); and</text></paragraph><paragraph id="H727C0AB1ED7346B998866CF475B10DAA"><enum>(2)</enum><text>by redesignating subsection (h) as subsection (g).</text></paragraph></subsection><subsection id="H443C8F8EB12A4618BE62B2257E3449CE"><enum>(i)</enum><header>Adjusted recapture and reuse of set-aside for community housing developmental organizations</header><text>Section 231(b) of the Cranston-Gonzalez National Affordable Housing Act (<external-xref legal-doc="usc" parsable-cite="usc/42/12771">42 U.S.C. 12771(b)</external-xref>) is amended to read as follows:</text><quoted-block style="OLC" id="HCD18AEB012E2488F9CEE88526B83FFE3" display-inline="no-display-inline" changed="added" reported-display-style="italic" committee-id="HBA00"><subsection id="H92C855FA2DB1421DB00CC3492755246C"><enum>(b)</enum><header>Recapture and reuse</header><text display-inline="yes-display-inline">If any funds reserved under subsection (a) remain uninvested for a period of 24 months, the Secretary shall make such funds available to the participating jurisdiction for any eligible activities under title II of this Act without regard to whether a community housing development organization materially participates in the use of such funds.</text></subsection><after-quoted-block>.</after-quoted-block></quoted-block></subsection><subsection id="H6B7F8E3129E44714911FCF631865E7C3"><enum>(j)</enum><header>Asset recycling information dissemination expansion</header><text>Section 245(b)(2) of the Cranston-Gonzalez National Affordable Housing Act (<external-xref legal-doc="usc" parsable-cite="usc/42/12785">42 U.S.C. 12785(b)(2)</external-xref>) is amended by striking <quote>95 percent</quote> and inserting <quote>110 percent</quote>.</text></subsection><subsection id="H541B9E2F326C4CBC8E9E33BC18AEFF5D"><enum>(k)</enum><header>Environmental review requirements</header><paragraph id="H44BED16A81F84E048B3E1E90F758DF34"><enum>(1)</enum><header>In general</header><text display-inline="yes-display-inline">Section 288 of the Cranston-Gonzalez National Affordable Housing Act (<external-xref legal-doc="usc" parsable-cite="usc/42/12838">42 U.S.C. 12838</external-xref>) is amended by adding at the end the following:</text><quoted-block style="OLC" id="HEAF7C06415BD45E7A265EC98A4E0F30D" display-inline="no-display-inline" changed="added" reported-display-style="italic" committee-id="HBA00"><subsection id="H9D89C459DC46439299DF6F9F645054E2"><enum>(e)</enum><header>Categorical exemptions</header><text display-inline="yes-display-inline">The following categories of activities carried out under this title shall be statutorily exempt from environmental review under the National Environmental Policy Act of 1969 (<external-xref legal-doc="usc" parsable-cite="usc/42/4321">42 U.S.C. 4321 et seq.</external-xref>), and shall not require further review under such Act—</text><paragraph id="H2EF0430EC38245B4AFBF8B84D4AA2E01" commented="no"><enum>(1)</enum><text display-inline="yes-display-inline">new construction infill housing projects;</text></paragraph><paragraph id="H605166B3DFF544C7BB61EA238F7E42D5"><enum>(2)</enum><text display-inline="yes-display-inline">acquisition of real property for affordable housing purposes;</text></paragraph><paragraph id="HCF956A3848A7490695990C1181660DF6"><enum>(3)</enum><text display-inline="yes-display-inline">rehabilitation projects carried out pursuant to section 212(a)(1); and</text></paragraph><paragraph id="H059E067D5F77458AB176A3C102CE6BB0" commented="no"><enum>(4)</enum><text display-inline="yes-display-inline">new construction projects of 15 units or less.</text></paragraph></subsection><subsection id="H0C5A0CBAF23D4BE6834D78B6E1196246" commented="no"><enum>(f)</enum><header>Removing duplicative reviews</header><paragraph id="H939C211E1D7E41A7806B4D9B6E04BB26" commented="no"><enum>(1)</enum><header>In general</header><text>To the extent practicable and permitted by law, the Secretary shall ensure that a project that has undergone an environmental review under this section shall not be subject to a duplicative environmental review solely due to the addition, substitution, or reallocation of other sources of Federal assistance, if the scope, scale, and location of the project remain substantially unchanged.</text></paragraph><paragraph id="H2147977F41BC4088B2D27370DB23DF17" commented="no"><enum>(2)</enum><header>Coordination of environmental review responsibilities</header><text>The Secretary shall, by regulation, provide for coordination of environmental review responsibilities with other Federal agencies to streamline inter-agency compliance and avoid unnecessary duplication of effort under the National Environmental Policy Act of 1969 (<external-xref legal-doc="usc" parsable-cite="usc/42/4321">42 U.S.C. 4321 et seq.</external-xref>) and other applicable laws.</text></paragraph><paragraph id="HF9D06E6EC6BB4AC88B38053C72CF1C4F"><enum>(3)</enum><header>Recognition of prior reviews by responsible entities</header><text display-inline="yes-display-inline">A project may not be subject to an environmental review under this section if a substantially similar review has already been completed by an entity designated under section 104(g)(1) of the Housing and Community Development Act of 1974 (<external-xref legal-doc="usc" parsable-cite="usc/42/5304">42 U.S.C. 5304(g)(1)</external-xref>) or by another entity the Secretary determines to have equivalent authority, if the scope, scale, and location of the project remain substantially unchanged.</text></paragraph></subsection><after-quoted-block>.</after-quoted-block></quoted-block></paragraph><paragraph id="HFF5AF0B9A5EE40DAB2D899CC0AADFA54"><enum>(2)</enum><header>Rulemaking</header><text display-inline="yes-display-inline">Not later than 1 year after the date of the enactment of this Act, the Secretary shall issue such rules as the Secretary determines necessary to carry out the amendment made by this subsection.</text></paragraph></subsection><subsection id="H2A2481B58DF64960BF4A1EB99078AC5E"><enum>(l)</enum><header>Application of other specified statutory requirements</header><text>Title II of the Cranston-Gonzalez National Affordable Housing Act (<external-xref legal-doc="usc" parsable-cite="usc/42/12721">42 U.S.C. 12721 et seq.</external-xref>) is amended by adding at the end the following new sections (and by conforming the table of sections in section 1(b), accordingly):</text><quoted-block style="OLC" display-inline="no-display-inline" id="HC6CFE3C54E9F4ECA8E7F0AAA0A7AA1FD" changed="added" reported-display-style="italic" committee-id="HBA00"><section id="HC4E42E72DB034D0397A243DC332B6B9C" commented="no"><enum>291.</enum><header>Application of build America, buy America requirements</header><text display-inline="no-display-inline">With respect to activities assisted under this title, requirements under the Build America, Buy America Act (<external-xref legal-doc="usc" parsable-cite="usc/41/8301">41 U.S.C. 8301</external-xref> note) and any implementing regulations or guidance, shall only apply to infrastructure improvements conducted under section 212(a)(4) using funds provided under subtitle A.</text></section><section id="H858B06E654564AB1BEAB5F85E5C2B2C3"><enum>292.</enum><header>Nonapplicability of certain requirements for small projects</header><text display-inline="no-display-inline">Notwithstanding any other provision of law, the requirements of section 3 of the Housing and Urban Development Act of 1968 (<external-xref legal-doc="usc" parsable-cite="usc/12/1701u">12 U.S.C. 1701u</external-xref>), and any implementing regulations or guidance, shall not apply to an activity assisted under this title that involves rehabilitation, construction, or other development of housing if—</text><paragraph id="HE49931C6B6AB42D3A63CCE47512C29F0"><enum>(1)</enum><text display-inline="yes-display-inline">the recipient of assistance under this title is—</text><subparagraph id="HD4DE883CA04640E0BE082387B715FED3"><enum>(A)</enum><text>a State recipient pursuant to section 216; or</text></subparagraph><subparagraph id="H3F3266BBCA7441E6B9577E7127077263"><enum>(B)</enum><text>a participating jurisdiction that received a total allocation of less than $3,000,000 in the most recent fiscal year pursuant to section 216; and</text></subparagraph></paragraph><paragraph id="H5CFD0B92258C461DBD69093DAAB26E4D"><enum>(2)</enum><text>the total number of dwelling units assisted as a part of such activity is 50 or fewer.</text></paragraph></section><after-quoted-block>.</after-quoted-block></quoted-block></subsection><subsection id="H17384D0E422644B984E740C849E54E17"><enum>(m)</enum><header>Technical amendments</header><text>The Cranston-Gonzalez National Affordable Housing Act (<external-xref legal-doc="usc" parsable-cite="usc/42/12701">42 U.S.C. 12701 et seq.</external-xref>) is amended—</text><paragraph id="HBA6E31E21E984E3FB076756416268DCD"><enum>(1)</enum><text>by striking <quote>Stewart B. McKinney Homeless Assistance Act</quote> each place it appears and inserting <quote>McKinney-Vento Homeless Assistance Act</quote>; and</text></paragraph><paragraph id="H92B02E5A48F1475D9256234CF92BF022"><enum>(2)</enum><text display-inline="yes-display-inline">by striking <quote>Committee on Banking, Finance and Urban Affairs</quote> each place it appears and inserting <quote>Committee on Financial Services</quote>.</text></paragraph></subsection><subsection id="H83F0D6D83146464EBBA92444A7083CED"><enum>(n)</enum><header>Reallocation not available for certain jurisdictions</header><text display-inline="yes-display-inline">Section 217(d) of the Cranston-Gonzalez National Affordable Housing Act (<external-xref legal-doc="usc" parsable-cite="usc/42/12747">42 U.S.C. 12747(d)</external-xref>) is amended—</text><paragraph id="HC72A7A6B4F8E482DAF64193069583CA8"><enum>(1)</enum><text>in paragraph (1), by striking the second sentence and inserting the following: <quote>Subject to paragraph (4), jurisdictions eligible for such reallocations shall include participating jurisdictions and jurisdictions meeting the requirements of this title, including the requirements in paragraphs (3), (4), and (5) of section 216.</quote>; and</text></paragraph><paragraph id="HFA5FCC6439C04FD789A4AB7B0B45F18D" commented="no"><enum>(2)</enum><text>by adding at the end the following:</text><quoted-block style="OLC" id="H6857DE394AD544CFBA16EE616B907B16" display-inline="no-display-inline" changed="added" reported-display-style="italic" committee-id="HBA00"><paragraph id="H0394921A737141D58563F51DEA87D799" commented="no"><enum>(4)</enum><header>Reallocation not available for certain jurisdictions</header><text display-inline="yes-display-inline">The Secretary may decline to make a reallocation available to a jurisdiction eligible for such reallocation if such jurisdiction has failed to meet or comply with any requirement under this title.</text></paragraph><after-quoted-block>.</after-quoted-block></quoted-block></paragraph></subsection><subsection id="H61218C7A43D443D5BCA89678886F8913"><enum>(o)</enum><header>Amendments to qualification as affordable housing</header><text display-inline="yes-display-inline">Section 215(a) of the Cranston-Gonzalez National Affordable Housing Act (<external-xref legal-doc="usc" parsable-cite="usc/42/12745">42 U.S.C. 12745(a)</external-xref>) is amended—</text><paragraph id="HF47BD0F9B0A64864B73DC0464BCC4E4A"><enum>(1)</enum><text>in paragraph (1)(E), by striking <quote>except upon a foreclosure by a lender (or upon other transfer in lieu of foreclosure) if such action (i) recognizes any contractual or legal rights of public agencies, nonprofit sponsors, or others to take actions that would avoid termination of low-income affordability in the case of foreclosure or transfer in lieu of foreclosure, and (ii) is not for the purpose of avoiding low income affordability restrictions, as determined by the Secretary; and</quote> and inserting the following: “except—</text><quoted-block style="OLC" display-inline="no-display-inline" id="HDC6FC70FA6DE454DAC965A4DF93F148C" changed="added" reported-display-style="italic" committee-id="HBA00"><clause id="H88A290F0F5E644CE98A32A13EE0A9E72"><enum>(i)</enum><text>upon a foreclosure by a lender (or upon other transfer in lieu of foreclosure) if such action—</text><subclause id="HA3FB4D9DFC08485FBC548F9F4D77228E"><enum>(I)</enum><text>recognizes any contractual or legal rights of public agencies, nonprofit sponsors, or others to take actions that would avoid termination of low-income affordability in the case of foreclosure or transfer in lieu of foreclosure; and</text></subclause><subclause id="H63CF44308AD34590BAB624E2F49B7C94"><enum>(II)</enum><text>is not for the purpose of avoiding low-income affordability restrictions, as determined by the Secretary; or</text></subclause></clause><clause id="HD83D53F328F2484986B927BD99292DB1"><enum>(ii)</enum><text>where existing affordable housing is no longer financially viable due to unforeseen acts or occurrences beyond the reasonable contemplation or control of the participating jurisdiction in which the affordable housing is located or the owner of the affordable housing that significantly impact the financial or physical condition of the affordable housing, as determined by the Secretary; and</text></clause><after-quoted-block>; and</after-quoted-block></quoted-block></paragraph><paragraph id="HEC269EDA21894575ACD9AA1082E920B6"><enum>(2)</enum><text>by adding at the end the following:</text><quoted-block style="OLC" id="H83CC776ADADC436E98D71941C6787912" display-inline="no-display-inline" changed="added" reported-display-style="italic" committee-id="HBA00"><paragraph id="H04EF3872C26F4C4DA50A30D04DD0B301"><enum>(8)</enum><header>Small-scale housing</header><subparagraph id="HDC2158798A1A4540B01FC18DE2CDFC0E"><enum>(A)</enum><header>In general</header><text>Small-scale housing shall qualify as affordable housing under this title if—</text><clause id="HEB8D306E26954CA5A76C67E8240A79DC"><enum>(i)</enum><text>each dwelling unit in such housing bears rent in an amount that complies with the requirements described in paragraph (1)(A);</text></clause><clause id="H891AFDA2DAB44FEBA4280228EAA77272"><enum>(ii)</enum><text>each dwelling unit in such housing is occupied by a low-income family;</text></clause><clause id="H11D15E8497A445FA88A3700336FB6540"><enum>(iii)</enum><text>no dwelling unit in such housing is refused for leasing to a holder of a voucher under section 8 of the United States Housing Act of 1937 (<external-xref legal-doc="usc" parsable-cite="usc/42/1437f">42 U.S.C. 1437f</external-xref>) because of the status of the prospective tenant as a holder of such voucher;</text></clause><clause id="H6C4A4F396C66487ABF1A91EEA85453A1"><enum>(iv)</enum><text>such housing complies with the requirement described in paragraph (1)(E); and</text></clause><clause id="H476873ABFC044739A5BE2BD7C2F176D7"><enum>(v)</enum><text>the participating jurisdiction in which such small-scale housing is located monitors the compliance of such housing with the requirements of this title in a manner consistent with the purposes of section 226(b), as determined by the Secretary.</text></clause></subparagraph><subparagraph id="HCAEEBCBE9C5C44B6B805769243B9BF68"><enum>(B)</enum><header>Small-scale housing defined</header><text display-inline="yes-display-inline">In this paragraph, the term <term>small-scale housing</term> means housing with not more than 4 dwelling units each of which is made available for rental. </text></subparagraph></paragraph><after-quoted-block>.</after-quoted-block></quoted-block></paragraph></subsection><subsection id="H5D9A882A06F14D4191D63AF19BA13362"><enum>(p)</enum><header>Tenant and participant protections for small-scale affordable housing</header><text display-inline="yes-display-inline">Section 225 of the Cranston-Gonzalez National Affordable Housing Act (<external-xref legal-doc="usc" parsable-cite="usc/42/12755">42 U.S.C. 12755</external-xref>) is amended by adding at the end the following:</text><quoted-block style="OLC" id="HFBD0A9E53A6D4D9A9C31657FB3CF1E02" display-inline="no-display-inline" changed="added" reported-display-style="italic" committee-id="HBA00"><subsection id="HCCAB194CF62F4B96915AB97C6B913AC4"><enum>(e)</enum><header>Exception</header><text display-inline="yes-display-inline">Paragraphs (2), (3), and (4) shall not apply to small-scale housing, as such term is defined in section 215(a)(7).</text></subsection><after-quoted-block>.</after-quoted-block></quoted-block></subsection><subsection id="H10D13D6E17664059BDE84C081003FE45" commented="no" display-inline="no-display-inline"><enum>(q)</enum><header>Revision of definition of community land trust</header><text display-inline="yes-display-inline">Section 104 of the Cranston-Gonzalez National Affordable Housing Act (<external-xref legal-doc="usc" parsable-cite="usc/42/12704">42 U.S.C. 12704</external-xref>) is amended by adding at the end the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="H20953D602DE540B79E2498B392B54A49" changed="added" reported-display-style="italic" committee-id="HBA00"><paragraph id="H488B905284DE4394B4E2793C2EEE5DC6"><enum>(27)</enum><text>The term <term>community land trust</term> means a nonprofit entity, a State, a unit of local government or instrumentality of a State or unit of local government that—</text><subparagraph id="H6CF2C5F259224D7A858CBE5B87442B9F"><enum>(A)</enum><text>is not managed by, or an affiliate of, a for-profit organization;</text></subparagraph><subparagraph id="H9B2081A855E94D31B000125B012FB2B3"><enum>(B)</enum><text>has as a primary purpose of acquiring, developing, or holding land to provide housing that is permanently affordable to low- and moderate-income persons;</text></subparagraph><subparagraph id="H79EB9534809F46E985B09FF4E3DE0A58"><enum>(C)</enum><text>monitors properties to ensure affordability is preserved;</text></subparagraph><subparagraph id="HE94012E7000E4EA3AC9A2A0B0FCB32A8"><enum>(D)</enum><text display-inline="yes-display-inline">provides housing that is permanently affordable to low- and moderate-income persons using a ground lease, deed covenant, or other similar legally enforceable measure, determined acceptable by the Secretary, that—</text><clause id="H2BB3149822444DF7B82FA9466D5BD96A"><enum>(i)</enum><text>keeps housing affordable to low- and moderate-income persons for not less than 30 years; and</text></clause><clause id="H0FA2623F35144097ABBB89D55D650078"><enum>(ii)</enum><text>enables low- and moderate-income persons to rent or purchase the housing for homeownership; and</text></clause></subparagraph><subparagraph id="H0E2DA92ADDC74AE6A78460A2CA30B000" commented="no"><enum>(E)</enum><text>maintains preemptive purchase options to purchase the property if such purchase would allow the housing to remain affordable to low-and moderate-income persons.</text></subparagraph></paragraph><after-quoted-block>.</after-quoted-block></quoted-block></subsection><subsection id="HB40F4CCE006C4FC191F4A7ABD02A956B" commented="no"><enum>(r)</enum><header>Conforming amendments</header><text display-inline="yes-display-inline">The Cranston-Gonzalez National Affordable Housing Act (<external-xref legal-doc="usc" parsable-cite="usc/42/12701">42 U.S.C. 12701 et seq.</external-xref>) is amended—</text><paragraph id="H33CB57B59D154C3BA7123322A6849BA8" commented="no"><enum>(1)</enum><text display-inline="yes-display-inline">in section 233 by striking subsection (f); and</text></paragraph><paragraph id="H5832E89B479344A0B2E8E4CB0CD596DE" commented="no"><enum>(2)</enum><text>in section 233(b)(6), by striking <quote>to community land trusts (as such term is defined in subsection (f))</quote> and inserting <quote>to community land trusts (as such term is defined in section 104)</quote>. </text></paragraph></subsection><subsection id="HADE9A7703D624F56800CEC333F32AC7B"><enum>(s)</enum><header>Minimum allocations</header><text display-inline="yes-display-inline">Section 217(b) of the Cranston-Gonzalez National Affordable Housing Act (42 U.S.C. 12747 (b)) is amended—</text><paragraph id="H5EF244BD057742D08C9D209F2FBACD6A" commented="no"><enum>(1)</enum><text display-inline="yes-display-inline">in paragraph (2), by striking <quote>$500,000</quote> each place that term appears and inserting <quote>$750,000</quote>;</text></paragraph><paragraph id="HACE72EF9035C45BD80BC4EA69EAD8DBB"><enum>(2)</enum><text>in paragraph (3)—</text><subparagraph id="H706EE655B9A44D7B86042ABD9933EA78" commented="no" display-inline="no-display-inline"><enum>(A)</enum><text display-inline="yes-display-inline">by striking <quote>jurisdictions that are allocated an amount of $500,000 or more</quote> and inserting <quote>jurisdictions that are allocated an amount of $750,000 or more</quote>;</text></subparagraph><subparagraph id="HD5A3C8C2148A42A0ABE14CA10DA88012"><enum>(B)</enum><text>by striking <quote>that are allocated an amount less than $500,000</quote> and inserting <quote>that are allocated an amount less than $500,000 before the date of the enactment of the Housing for the 21st Century Act or less than $750,000 on or after the date of the enactment of the Housing for the 21st Century Act</quote>; and </text></subparagraph><subparagraph id="H9CCCD2BC2B3E4E13BBC358229E5301AD" commented="no" display-inline="no-display-inline"><enum>(C)</enum><text>by striking <quote>, except as provided in paragraph (4)</quote>; and</text></subparagraph></paragraph><paragraph id="H20E51C09099443539EAC9618A4583C6F"><enum>(3)</enum><text>by striking paragraph (4).</text></paragraph></subsection><subsection id="H7E7F43FF7FA342A5A99CF78D32C9D5C4"><enum>(t)</enum><header>Additional technical corrections</header><text>The Cranston-Gonzalez National Affordable Housing Act (<external-xref legal-doc="usc" parsable-cite="usc/42/12701">42 U.S.C. 12701 et seq.</external-xref>) is amended—</text><paragraph id="H43EC5A5CDE644B73B82ABD3D2B68D246"><enum>(1)</enum><text>in section 108(a)(1), by striking <quote>section 105(b)(15)</quote> and inserting <quote>section 105(b)(18)</quote>; and</text></paragraph><paragraph id="H713F68D42380409FAD5F56DC7695E500" commented="no"><enum>(2)</enum><text display-inline="yes-display-inline">in section 217(b)(1)(F), by striking <quote>Subcommittee on Housing and Community Development</quote> and inserting <quote>Subcommittee on Housing, Transportation, and Community Development</quote>.</text></paragraph></subsection></section><section id="H381C5CC49A23407C882CC028FB52D1F3"><enum>202.</enum><header>Community Development Fund Amendments</header><subsection id="H28A38A5DB60D4535B72337643328B2DD"><enum>(a)</enum><header>Identifying Regulatory Barriers to Housing Supply</header><text display-inline="yes-display-inline">Section 104 of the Housing and Community Development Act of 1974 (<external-xref legal-doc="usc" parsable-cite="usc/42/5304">42 U.S.C. 5304</external-xref>) is amended by adding at the end the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="HABF1B08CA4D74FD7B56CC496DC22DC70" changed="added" reported-display-style="italic" committee-id="HBA00"><subsection id="HA322C5CFF75D44288568110345DBD610"><enum>(n)</enum><header>Plan to track and reduce overly burdensome land use policies</header><paragraph id="H70A642AFAD5B4AFEB16A43EFD0247F48"><enum>(1)</enum><header>In general</header><text display-inline="yes-display-inline">Beginning 1 year after the date of the enactment of this subsection, prior to receipt in any fiscal year of a grant from the Secretary under subsection (b), (d)(1), or (d)(2)(B) of section 106, each recipient shall have prepared and submitted, not less frequently than once during the preceding 5-year period, a description of—</text><subparagraph id="H76F280CE01CE4E4A996C377261F9AE74"><enum>(A)</enum><text>whether the jurisdiction served by the recipient has adopted any of the types of land use policies described in paragraph (2) during the preceding 5-year period;</text></subparagraph><subparagraph id="HEF4130D6D4BF4F899E6522583C2C3A10"><enum>(B)</enum><text display-inline="yes-display-inline">the plans the jurisdiction served by the recipient has to adopt and implement any of the types of land use policies described in paragraph (2); and</text></subparagraph><subparagraph id="H6A141E7B933B488AA4D80AB5D5C59849"><enum>(C)</enum><text display-inline="yes-display-inline">any ways in which the jurisdiction served by the recipient expects the planned adoption of any of the types of land use policies described in paragraph (2) would benefit the jurisdiction.</text></subparagraph></paragraph><paragraph id="HABC64495EDBB496B84ED1E72C81DDFD6"><enum>(2)</enum><header>Types of land use policies</header><text>The types of policies to be considered for the purposes of the submission of information required under paragraph (1) include the following: </text><subparagraph id="H4B0FD60C6A034D43966F718B2CB769C9"><enum>(A)</enum><text>Expanding by-right multifamily zoned areas.</text></subparagraph><subparagraph id="H15F20891218C4E23B4413CC10D30270B"><enum>(B)</enum><text>Allowing duplexes, triplexes, or fourplexes in areas zoned primarily for single-family residential homes.</text></subparagraph><subparagraph id="HD4323F2BE877421CBB6F2A3BD38F80E5"><enum>(C)</enum><text>Allowing manufactured homes in areas zoned primarily for single-family residential homes.</text></subparagraph><subparagraph id="HE68B1516C98B4C16B74A44A8B82091D7"><enum>(D)</enum><text>Allowing multifamily development in retail, office, and light manufacturing zones.</text></subparagraph><subparagraph id="H91B2DFE2166D407EA6D4C81139D28956"><enum>(E)</enum><text>Allowing single-room occupancy development wherever multifamily housing is allowed.</text></subparagraph><subparagraph id="H3357238467D746939980244C854C5C6B"><enum>(F)</enum><text>Reducing minimum lot size.</text></subparagraph><subparagraph id="HD652C9549C8A4B37ABC361B05E0E4F21"><enum>(G)</enum><text display-inline="yes-display-inline">Ensuring historic preservation requirements and other land use policies or requirements are coordinated to encourage creation of housing in historic buildings and historic districts.</text></subparagraph><subparagraph id="HA1681E0E6C194C8C97DFD8450F7CA34F"><enum>(H)</enum><text>Increasing the allowable floor area ratio by allowing a higher ratio of total floor area in a building in comparison to its lot size.</text></subparagraph><subparagraph id="H5E46867312CB4F7CB11F2FAE812B7C81"><enum>(I)</enum><text>Creating transit-oriented development zones.</text></subparagraph><subparagraph id="HCDCE923512A54B65B8BAC9B58C2353CF"><enum>(J)</enum><text>Streamlining or shortening permitting processes and timelines, including through one-stop and parallel-process permitting.</text></subparagraph><subparagraph id="H644E70CBC7174751A3C0081860EB3883"><enum>(K)</enum><text>Eliminating or reducing off-street parking requirements.</text></subparagraph><subparagraph id="H671EA315D2534ED5816CF735C9A0E901"><enum>(L)</enum><text display-inline="yes-display-inline">Ensuring impact and utility investment fees accurately reflect required infrastructure needs and related impacts on housing affordability are otherwise mitigated.</text></subparagraph><subparagraph id="HE21F4457B1D74CDD87C8653484376E82"><enum>(M)</enum><text>Allowing off-site construction, including prefabricated construction.</text></subparagraph><subparagraph id="H8B41AE4537E84FC5898AEB34403D6C94"><enum>(N)</enum><text>Reducing or eliminating minimum unit square footage requirements.</text></subparagraph><subparagraph id="HCA2263BC2D724667AF148D185737F0D6"><enum>(O)</enum><text>Allowing the conversion of office units to apartments.</text></subparagraph><subparagraph id="H6DBBDDA4C1A04D8F99DFA3D27817C2FD"><enum>(P)</enum><text>Allowing the subdivision of single-family homes into duplexes.</text></subparagraph><subparagraph id="HC5564B61717D4E0D891BF235DF06E551"><enum>(Q)</enum><text>Allowing accessory dwelling units, including detached accessory dwelling units, on all lots with single-family homes.</text></subparagraph><subparagraph id="H8032EDB1927E4C01B40A4F954ADA22E4"><enum>(R)</enum><text display-inline="yes-display-inline">Establishing density bonuses.</text></subparagraph><subparagraph id="HD5B64BDD5C8744B1BDFEC569AE18D596"><enum>(S)</enum><text>Eliminating or relaxing residential property height limitations.</text></subparagraph><subparagraph id="H9B207B0F46E24AAD88A74D6FFD49F262"><enum>(T)</enum><text>Using property tax abatements to enable higher density and mixed-income communities.</text></subparagraph><subparagraph id="H9DFB8FF790F84B9E90F1BF8B7EC1A905"><enum>(U)</enum><text>Donating vacant land for affordable housing development.</text></subparagraph><subparagraph id="H58BF6DD39CA24568820911E8A97E3491"><enum>(V)</enum><text>Enacting other relevant high-density, single-family, and multifamily zoning policies that the recipient chooses to report.</text></subparagraph></paragraph><paragraph id="H7AEC03EDEF3E473F97BE89C801289353"><enum>(3)</enum><header>Effect of submission</header><text>A submission under this subsection shall not be binding with respect to the use or distribution of amounts received under section 106.</text></paragraph><paragraph id="HDF09D9B4A6F345EAB9AE17A9B0A81128" commented="no"><enum>(4)</enum><header>Acceptance or nonacceptance of plan</header><text>The acceptance or nonacceptance of any plan submitted under this subsection in which the information required under this subsection is provided may not be considered an endorsement or approval of the plan, policies, or methodologies, or lack thereof.</text></paragraph><paragraph id="H9278336719314ED5B3E74958B7F2D745"><enum>(5)</enum><header>Prohibition on use of information for enforcement</header><text display-inline="yes-display-inline">Information provided by a recipient to the Secretary under this subsection may not be used as the basis for any enforcement action.</text></paragraph></subsection><after-quoted-block>.</after-quoted-block></quoted-block></subsection><subsection id="H03686466435140C7A0F8E56FB1E04D8A"><enum>(b)</enum><header>Addition of affordable housing construction as an eligible activity</header><paragraph id="H81A372DB75CB47DFA6BEB6FD34A8088A"><enum>(1)</enum><header>Eligible activity</header><text>Section 105(a) of the Housing and Community Development Act of 1974 (<external-xref legal-doc="usc" parsable-cite="usc/42/5305">42 U.S.C. 5305(a)</external-xref>) is amended—</text><subparagraph id="H5891718A0B414087A7F6E0C74823E642"><enum>(A)</enum><text>in paragraph (25)(D), by striking <quote>and</quote> at the end;</text></subparagraph><subparagraph id="H383DE580CAD84F248878915B5FB5D728"><enum>(B)</enum><text>in paragraph (26), by striking the period at the end and inserting <quote>; and</quote>; and</text></subparagraph><subparagraph id="H74767F3D1CE64F44874FB156E25CFBE8"><enum>(C)</enum><text>by adding at the end the following new paragraph:</text><quoted-block id="H35EBBD9D77E045E0B1C314AD0793C5B2" style="OLC" changed="added" reported-display-style="italic" committee-id="HBA00"><paragraph id="HD9986FA4EA094A89982D36E59A3BB359" commented="no"><enum>(27)</enum><text display-inline="yes-display-inline">the new construction of affordable housing, within the meaning given such term under section 215 of the Cranston-Gonzalez National Affordable Housing Act (<external-xref legal-doc="usc" parsable-cite="usc/42/12745">42 U.S.C. 12745</external-xref>), and which shall not exceed 20-percent of the amounts allocated to the recipient.</text></paragraph><after-quoted-block>.</after-quoted-block></quoted-block></subparagraph></paragraph><paragraph id="H5A445649CDE94B188678C8DDF6F72839"><enum>(2)</enum><header>Low- and moderate-income requirement</header><text>Section 105(c)(3) of the Housing and Community Development Act of 1974 (<external-xref legal-doc="usc" parsable-cite="usc/42/5305">42 U.S.C. 5305(c)(3)</external-xref>) is amended by striking <quote>or rehabilitation</quote> and inserting <quote>, rehabilitation, or new construction</quote>.</text></paragraph><paragraph id="H0AF21E637518499995427162DDC98143"><enum>(3)</enum><header>Applicability</header><text>The amendments made by this subsection shall apply with respect only to amounts appropriated after the date of the enactment of this Act.</text></paragraph></subsection><subsection id="HD3B4270D0CBF4AD492786BAE11FD5D19" commented="no"><enum>(c)</enum><header>Databases of publicly owned land</header><paragraph id="HCEBDC116F31E48E8A6A91E9061FFD1DB" commented="no"><enum>(1)</enum><header>In general</header><text>Section 104(b) of the Housing and Community Development Act of 1974 (<external-xref legal-doc="usc" parsable-cite="usc/42/5304">42 U.S.C. 5304(b)</external-xref>) is amended—</text><subparagraph id="H25EF87959A494568A9AA85D178E06643" commented="no"><enum>(A)</enum><text>in paragraph (5), by striking <quote>and</quote> at the end;</text></subparagraph><subparagraph id="H66F00F1076F7432783837823B7EEFB67" commented="no"><enum>(B)</enum><text>in paragraph (6), by striking the period at the end and inserting <quote>; and</quote>; and</text></subparagraph><subparagraph id="H6D6DF3E224A645F6B0441AF35D47229D" commented="no"><enum>(C)</enum><text>by adding at the end the following:</text><quoted-block id="H87DC39AA01D346FB9D29AC952022CD01" style="OLC" changed="added" reported-display-style="italic" committee-id="HBA00"><paragraph id="HDCF72A87A4D34F499F3E84D076678F3D" commented="no"><enum>(7)</enum><text>the grantee maintains, on a publicly accessible website, a searchable database that identifies all parcels of undeveloped land owned by the grantee.</text></paragraph><after-quoted-block>.</after-quoted-block></quoted-block></subparagraph></paragraph><paragraph id="HDEDAF3B0EA7747DCA85DE46CB77CDEA6" commented="no"><enum>(2)</enum><header>Effective date</header><text>The amendments made by this subsection shall take effect on October 1, 2026.</text></paragraph></subsection></section><section id="HAC09EC540DE84E468BC53A89C8D0CE87"><enum>203.</enum><header>Grants for planning and implementation associated with affordable housing</header><subsection id="H9DAD5A0353C54161B9D78DF041E9BB9C"><enum>(a)</enum><header>In general</header><text>The Secretary of Housing and Urban Development shall, not later than 1 year after the date of the enactment of this section, establish a program to award grants on a competitive basis to eligible entities to assist planning and implementation activities associated with affordable housing.</text></subsection><subsection id="H568992A52F3345F6871A1A53B43949E6"><enum>(b)</enum><header>Use of amounts</header><paragraph id="H5641EE850C74418FA886DF98714B8A5F"><enum>(1)</enum><header>By regional planning agencies</header><text>If an eligible entity that receives amounts under this section is a regional planning agency or consortia of regional planning agencies, such eligible entity shall use such amounts to assist planning activities with respect to affordable housing, including—</text><subparagraph id="H521403B2B85240C3B498821820DA41D6"><enum>(A)</enum><text>the development of housing plans;</text></subparagraph><subparagraph id="HB1E1A08ADA70491481E4D9C86F58DE3F"><enum>(B)</enum><text>the substantial improvement of State or local housing strategies;</text></subparagraph><subparagraph id="H1CAAFE2A40A148208E05D66AA38738F1"><enum>(C)</enum><text>the development of new regulatory requirements and processes;</text></subparagraph><subparagraph id="H9C51BC8086354DE7993C97291F2C113D"><enum>(D)</enum><text>updating zoning codes;</text></subparagraph><subparagraph id="H8C751451D48743C6887F92FC14550C0A"><enum>(E)</enum><text>increasing the capacity to conduct housing inspections;</text></subparagraph><subparagraph id="HE0F9E54944E2443EAA9C4D2A61E9D3C0"><enum>(F)</enum><text>increasing the capacity to reduce barriers to housing supply elasticity and housing affordability;</text></subparagraph><subparagraph id="H7FF347488A144F2E94A50DC1DABDEDDF"><enum>(G)</enum><text>the development of local or regional plans for community development; and</text></subparagraph><subparagraph id="H2EF13905B980438085690602CB5C857B"><enum>(H)</enum><text>the substantial improvement of community development strategies, including strategies designed to—</text><clause id="H95FCCE23B4F442E0849DCA0852A8F7A0"><enum>(i)</enum><text>increase the availability of affordable housing and access to affordable housing;</text></clause><clause id="HB82E8242250544CB91E99A5D4E434C37"><enum>(ii)</enum><text>increase access to public transportation; and</text></clause><clause id="HB46D2C4400D94D5CB41259F95FB943E7"><enum>(iii)</enum><text>advance sustainable or location-efficient community development goals.</text></clause></subparagraph></paragraph><paragraph id="H2DCA11C41E5E491699CCCB0BC5195532"><enum>(2)</enum><header>By states, insular areas, metropolitan cities, and urban counties</header><text>If an eligible entity that receives amounts under this section is a State, insular area, metropolitan city, or urban county, such eligible entity shall use such amounts to—</text><subparagraph id="H8BB3960E810740FB9D911209C8B925EA"><enum>(A)</enum><text>implement and administer housing strategies and housing plans;</text></subparagraph><subparagraph id="H7C2F07E28A394C2DA23C73ECCAEA0EA6"><enum>(B)</enum><text>implement and administer any plans to increase housing choice, address disparities in housing needs, and provide greater access to opportunity;</text></subparagraph><subparagraph id="H8C7976C54060447FB0342399A84F3E5F"><enum>(C)</enum><text>fund any community investments that support goals identified in a housing strategy or housing plan;</text></subparagraph><subparagraph id="H185DF304279F412BB39D1A9D5DC521EE"><enum>(D)</enum><text>implement and administer regulatory requirements and processes with respect to reformed zoning codes;</text></subparagraph><subparagraph id="H5434D71FCC064D31A25A123F49E25CAE"><enum>(E)</enum><text>increase the capacity to conduct housing inspections;</text></subparagraph><subparagraph id="HB2849342827C4CDA8CC1C57E0D9461B1"><enum>(F)</enum><text>increase the capacity to reduce barriers to housing supply elasticity and housing affordability;</text></subparagraph><subparagraph id="H1C4994D1A1AD4594814C4DAC96746FFE"><enum>(G)</enum><text>implement and administer local or regional plans for community development; and</text></subparagraph><subparagraph id="H12B2BE16112D4E2581F0B7FA7350EFE4"><enum>(H)</enum><text>fund any planning to increase—</text><clause id="H1BB44929CDDB4213A6CB7C55ABF9D233"><enum>(i)</enum><text>the availability of affordable housing and access to affordable housing;</text></clause><clause id="H41C278CB2B394484B501D0812A7BE680"><enum>(ii)</enum><text>access to public transportation; and</text></clause><clause id="H2B9F9DAE5F844681AF9BCF05D47147BA"><enum>(iii)</enum><text>any location-efficient community development goals.</text></clause></subparagraph></paragraph><paragraph id="HF147F919C6E249E29B4D261C056D4E2B"><enum>(3)</enum><header>Use for administrative costs</header><text>A eligible entity that receives amounts under this section may not use more than 10-percent of such amounts for administrative costs.</text></paragraph></subsection><subsection id="H85558808E9D4407F9E2DF77595FBEDAD"><enum>(c)</enum><header>Coordination</header><text>To the extent practicable, the Secretary shall coordinate with the Federal Transit Administrator in carrying out this section.</text></subsection><subsection id="H3E52334566EA47099C2ABD1D2164A551"><enum>(d)</enum><header>Additional uses of amounts</header><paragraph id="H888AA95B8D344DA584EF6526D260322E" display-inline="no-display-inline"><enum>(1)</enum><header>Housing construction</header><text>Expenditures on new construction of housing shall be an eligible expense under this section.</text></paragraph><paragraph id="H8618BAA0FA5E4A07BADAC3A9A4F1F6ED"><enum>(2)</enum><header>Buildings for general conduct of government</header><text>Expenditures on building for the general conduct of government, other than the Federal Government, shall be eligible under this section when necessary and appropriate as a part of a natural hazard mitigation project.</text></paragraph></subsection><subsection id="H7407E9BC170D4AE8AF07983959A32465"><enum>(e)</enum><header>Definitions</header><text>In this subsection:</text><paragraph id="HF11F42B9BDAE4504846095EE932D7913"><enum>(1)</enum><header>Eligible entity</header><text>The term <quote>eligible entity</quote> means—</text><subparagraph id="H8F0CFEDC6B4A4D4AB82E012FF13BD6AF"><enum>(A)</enum><text>a State, insular area, metropolitan city, or urban county, as such terms are defined in section 102 of the Housing and Community Development Act of 1974; or</text></subparagraph><subparagraph id="HD00005FA7729464CBA4DF1AA98872007" commented="no"><enum>(B)</enum><text>a regional planning agency or consortia of regional planning agencies.</text></subparagraph></paragraph><paragraph id="H9A1C28E7C14340858F4D89A21FA04E35"><enum>(2)</enum><header>Housing plan</header><text>The term <quote>housing plan</quote> means a plan to, with respect to an area within the jurisdiction of an eligible entity—</text><subparagraph id="HFB91AF1877034248ABF35B7F4B26F27F"><enum>(A)</enum><text>increase the amount of available housing to meet the demand for such housing and any projected increase in the demand for such housing;</text></subparagraph><subparagraph id="H97D1A53300BC4008A3FF9ECDB350C90D"><enum>(B)</enum><text>increase the affordability of housing;</text></subparagraph><subparagraph id="H8B863658FD3142DEA686FED460A7FCB5"><enum>(C)</enum><text>increase the accessibility of housing for people with disabilities, including location-efficient housing;</text></subparagraph><subparagraph id="H83FDAC71764F412BA19CB47980112A0D"><enum>(D)</enum><text>preserve or improve the quality of housing;</text></subparagraph><subparagraph id="H0F99C631F7C7472584171CB64E1575EA"><enum>(E)</enum><text>reduce barriers to housing development; and</text></subparagraph><subparagraph id="H8DDE324F8F604EBC822598C4DE444F3C"><enum>(F)</enum><text>coordinate with transportation-related agencies.</text></subparagraph></paragraph><paragraph id="HEEB6083CAC784820B505C11BD21A96F4"><enum>(3)</enum><header>Housing strategy</header><text>The term <quote>housing strategy</quote> means a housing strategy required under section 105 of the Cranston-Gonzalez National Affordable Housing Act.</text></paragraph></subsection></section><section id="H7A2D73F1E9B546C6B18A7F7674286810"><enum>204.</enum><header>Rural housing service program improvements</header><subsection id="H023B2EB7C0484A96937D73DF9362E1BB"><enum>(a)</enum><header>In general</header><text>Section 504(a) of the Housing Act of 1949 (<external-xref legal-doc="usc" parsable-cite="usc/42/1474">42 U.S.C. 1474(a)</external-xref>) is amended—</text><paragraph id="H182A140C76AF4131BAD3DE51AF291602"><enum>(1)</enum><text>in the first sentence, by inserting <quote>and may make a loan to an eligible low-income applicant</quote> after <quote>applicant</quote>; and</text></paragraph><paragraph id="HE8AB93B096BA488B96236BAC5F7CF610" commented="no" display-inline="no-display-inline"><enum>(2)</enum><text display-inline="yes-display-inline">by striking <quote>$7,500</quote> and inserting <quote>$15,000</quote>.</text></paragraph></subsection><subsection id="H9CC9B30A81DC45BBA73768285D1C10BD" commented="no"><enum>(b)</enum><header>Annual report on rural housing programs</header><text>Title V of the Housing Act of 1949 (<external-xref legal-doc="usc" parsable-cite="usc/42/1471">42 U.S.C. 1471 et seq.</external-xref>), as amended by this section, is amended by adding at the end the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="HAE5D1241AC2942E08E4667094A0D8A1D" changed="added" reported-display-style="italic" committee-id="HBA00"><section id="H445119F22A9E4FC9A5C6376F67E51E75" commented="no"><enum>545.</enum><header>Annual report</header><subsection commented="no" display-inline="no-display-inline" id="HA560D68B087F4B2DB5E357607E36FE2E"><enum>(a)</enum><header display-inline="yes-display-inline">In general</header><text display-inline="yes-display-inline">The Secretary shall submit to the Committee on Financial Services of the House of Representatives and the Committee on Banking, Housing, and Urban Affairs of the Senate and publish on a website of the Department of Agriculture an annual report on the rural housing programs carried out under this title.</text></subsection><subsection id="H9A81F3A049494C07A7677E0C4AC4C0EB" commented="no"><enum>(b)</enum><header>Contents</header><text>The report required under subsection (a) shall include significant details on the information about the health of the programs carried out by the Rural Housing Service, including—</text><paragraph commented="no" display-inline="no-display-inline" id="H781BE10AD1674562A9FE4DB6D7BF99FD"><enum>(1)</enum><text display-inline="yes-display-inline">raw data about loan performance that can be sorted by program and region;</text></paragraph><paragraph commented="no" display-inline="no-display-inline" id="H33F242925FC34D3CBBE7492DA5B88C71"><enum>(2)</enum><text display-inline="yes-display-inline">a description of the housing stock of such programs;</text></paragraph><paragraph id="H58F848606BC547FDBAB8FAA52A9D6A35" commented="no"><enum>(3)</enum><text>information about why properties end participation in such programs, including maturation prepayment, foreclosure, or other servicing issues; and</text></paragraph><paragraph commented="no" display-inline="no-display-inline" id="H19963A5DDA4B4043AFC101DCD0DC00F0"><enum>(4)</enum><text display-inline="yes-display-inline">risk ratings for properties assisted under such programs.</text></paragraph></subsection><subsection commented="no" display-inline="no-display-inline" id="HA93F27F2210A44D2AA17E55E05C03A35"><enum>(c)</enum><header>Protection of information</header><text display-inline="yes-display-inline">Data included in a report required under subsection (a) may be aggregated or anonymized to protect the financial information and personal information of program participants.</text></subsection></section><after-quoted-block>.</after-quoted-block></quoted-block></subsection><subsection id="H10F4C3FB7BF74515B4CA7B1C303EE298"><enum>(c)</enum><header>Application review</header><paragraph id="H806E5B0232804ED58A3A0CD9A82373C2"><enum>(1)</enum><header>Sense of Congress</header><text>It is the sense of the Congress, not later than 90 days after the date on which the Secretary of Agriculture receives an application for a loan, grant or combined loan and grant under section 502 or 504 of the Housing Act of 1949 (<external-xref legal-doc="usc" parsable-cite="usc/42/1472">42 U.S.C. 1472</external-xref>, 1474), the Secretary of Agriculture should—</text><subparagraph id="H67237D5FBB864CBEAAD931EC892E5E42"><enum>(A)</enum><text>review the application;</text></subparagraph><subparagraph id="H51A4FC5F422E42ACBB0D3310B81E7CDF"><enum>(B)</enum><text>complete the underwriting;</text></subparagraph><subparagraph id="H51A14DD79AB847A980D353EBC32D050D"><enum>(C)</enum><text>make a determination of eligibility with respect to the application; and</text></subparagraph><subparagraph id="HD979561D72C24D239E58CC3C976BE72F"><enum>(D)</enum><text>notify the applicant of determination.</text></subparagraph></paragraph><paragraph id="HF5F0117CF8244846A27A5A0F02B06F47"><enum>(2)</enum><header>Report</header><subparagraph id="H8DC6712746EC444BB4E24A8971A7EADD"><enum>(A)</enum><header>In general</header><text>Not later than 90 days after the date of enactment of this Act, and annually thereafter until the date described in subparagraph (B), the Secretary of Agriculture shall submit to the Committee on Banking, Housing, and Urban Affairs of the Senate and the Committee on Financial Services of the House of Representatives a report that—</text><clause id="HA75D067D6D6C483E80DF18809DE8B578"><enum>(i)</enum><text>details the timeliness of eligibility determinations and final determinations with respect to applications under section 502 and 504 of the Housing Act of 1949 (<external-xref legal-doc="usc" parsable-cite="usc/42/1472">42 U.S.C. 1472</external-xref>, 1474), including justifications for any eligibility determinations taking longer than 90 days; and</text></clause><clause id="HCF8107C5E2CA4997ACD12D00740AB0AC"><enum>(ii)</enum><text display-inline="yes-display-inline">includes recommendations to shorten the timeline for notifications of eligibility determinations described in subparagraph (A) to not more than 90 days.</text></clause></subparagraph><subparagraph id="HE373D55823A14FF1B905109DBF374365"><enum>(B)</enum><header>Date described</header><text display-inline="yes-display-inline">The date described in this paragraph is the date on which, during the preceding 5-year period, the Secretary of Agriculture provides each eligibility determination described in subparagraph (A) during the 90-day period beginning on the date on which each application is received.</text></subparagraph></paragraph></subsection><subsection id="HEC4F63F6DB0246DEAFBAE246BA256CAF"><enum>(d)</enum><header>GAO report on Rural Housing Service technology</header><text>Not later than 1 year after the date of enactment of this Act, the Comptroller General of the United States shall submit to the Congress a report that includes—</text><paragraph id="HEE5DC55668524FBF8C83FD9CC1CA2E5E" commented="no" display-inline="no-display-inline"><enum>(1)</enum><text display-inline="yes-display-inline">an analysis of how the outdated technology used by the Rural Housing Service impacts participants in the programs of the Rural Housing Service;</text></paragraph><paragraph id="H038240F534BD4462B8219AD44617A85C" commented="no" display-inline="no-display-inline"><enum>(2)</enum><text>an estimate of the amount of funding that is needed to modernize the technology used by the Rural Housing Service; and</text></paragraph><paragraph id="HCD7CA2EBECB1401A8D349A565C0F52ED" commented="no" display-inline="no-display-inline"><enum>(3)</enum><text>an estimate of the number and type of new employees the Rural Housing Service needs to modernize the technology used by the Rural Housing Service.</text></paragraph></subsection></section><section id="H21840C33F3BE45879DC88024BA827C94" commented="no"><enum>205.</enum><header>Choice in Affordable Housing</header><subsection commented="no" display-inline="no-display-inline" id="H4415CD1D5A7943A18EFA7FCE9B0B9733"><enum>(a)</enum><header>Preapproval of units</header><text>Section 8(o)(8)(A) of the United States Housing Act of 1937 (<external-xref legal-doc="usc" parsable-cite="usc/42/1437f">42 U.S.C. 1437f(o)(8)(A)</external-xref>) is amended by adding at the end the following:</text><quoted-block id="H779B26C8AD834B6AAA7146F5DC077732" display-inline="no-display-inline" style="OLC" changed="added" reported-display-style="italic" committee-id="HBA00"><clause id="H92E8DB6CE930492CB323D45AECE387B0" commented="no"><enum>(iv)</enum><header>Initial inspection prior to lease agreement</header><subclause id="HD99E77CD9BD74E3FAE1F55469C39D336" commented="no"><enum>(I)</enum><header>Definition</header><text>In this clause, the term <term>new landlord</term> means an owner of a dwelling unit who has not previously entered into a housing assistance payment contract with a public housing agency under this subsection for any dwelling unit.</text></subclause><subclause id="H5746A1B758CB497F842ED30DACC71D3D" commented="no"><enum>(II)</enum><header>Early inspection</header><text>Upon the request of a new landlord, a public housing agency may inspect the dwelling unit owned by the new landlord to determine whether the unit meets the housing quality standards under subparagraph (B) before the unit is selected by a family assisted under this subsection.</text></subclause><subclause id="H9D43FE55E83744208D1682737C275A92" commented="no"><enum>(III)</enum><header>Effect</header><text>An inspection conducted under subclause (II) that determines that the dwelling unit meets the housing quality standards under subparagraph (B) shall satisfy the requirements in this subparagraph and subparagraph (C) if the new landlord enters into a lease agreement with a family assisted under this subsection not later than 60 days after the date of the inspection.</text></subclause><subclause id="H00F887AEA83D47978B5FB206EAA519C7" commented="no" display-inline="no-display-inline"><enum>(IV)</enum><header>Information when family is selected</header><text>When a public housing agency selects a family to participate in the tenant-based assistance program under this subsection, the public housing agency shall include in the information provided to the family a list of dwelling units that have been inspected under subclause (II) and determined to meet the housing quality standards under subparagraph (B).</text></subclause></clause><after-quoted-block>.</after-quoted-block></quoted-block></subsection><subsection id="H1D6E1A76FC09426CA8F3AED875899916" commented="no"><enum>(b)</enum><header>Satisfaction of inspection requirements through participation in other housing programs</header><text>Section 8(o)(8) of the United States Housing Act of 1937 (<external-xref legal-doc="usc" parsable-cite="usc/42/1437f">42 U.S.C. 1437f(o)(8)</external-xref>) is amended by adding at the end the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="H793E602FF0CF4323A3F60CB668FC957E" changed="added" reported-display-style="italic" committee-id="HBA00"><subparagraph id="H5D7FC437492343E48C66A01E1AF792A1" commented="no"><enum>(I)</enum><header>Satisfaction of inspection requirements through participation in other housing programs</header><clause id="HE8C88F9CA1834DBE95EDE3E114BCC31C" commented="no"><enum>(i)</enum><header>Low-income housing tax credit-financed buildings</header><text>A dwelling unit shall be deemed to meet the inspection requirements under this paragraph if—</text><subclause id="HC80EA5D7751B480D8C779EDF1D22A901" commented="no"><enum>(I)</enum><text>the dwelling unit is in a building, the acquisition, rehabilitation, or construction of which was financed by a person who received a low-income housing tax credit under <external-xref legal-doc="usc" parsable-cite="usc/26/42">section 42</external-xref> of the Internal Revenue Code of 1986 in exchange for that financing;</text></subclause><subclause id="H1DD4C9EC2B5E4700B727C41384527513" commented="no"><enum>(II)</enum><text>the dwelling unit was physically inspected and passed inspection as part of the low-income housing tax credit program described in subclause (I) during the preceding 12-month period; and</text></subclause><subclause id="H5B4C6E19A1734CA89BFB562BBBE7C9E4" commented="no"><enum>(III)</enum><text>the applicable public housing agency is able to obtain the results of the inspection described in subclause (II).</text></subclause></clause><clause id="H85E13803E3A94C2F949A80360CE9C4D5" commented="no"><enum>(ii)</enum><header>Home investment partnerships program</header><text>A dwelling shall be deemed to meet the inspection requirements under this paragraph if—</text><subclause id="H1CB87F74138D48A1B60A49B0289A989E" commented="no"><enum>(I)</enum><text>the dwelling unit is assisted under the HOME Investment Partnerships Program under title II of the Cranston-Gonzalez National Affordable Housing Act;</text></subclause><subclause id="H519293E78CD44C81A1A7D628A2FA8671" commented="no"><enum>(II)</enum><text>the dwelling unit was physically inspected and passed inspection as part of the program described in subclause (I) during the preceding 12-month period; and</text></subclause><subclause id="HBE1123DAA0E344D3BF6FEF9400E72081" commented="no"><enum>(III)</enum><text>the applicable public housing agency is able to obtain the results of the inspection described in subclause (II).</text></subclause></clause><clause id="H3271C0DCDFA149048E73E2FA7CD5126D" commented="no"><enum>(iii)</enum><header>Rural Housing Service</header><text>A dwelling unit shall be deemed to meet the inspection requirements under this paragraph if—</text><subclause id="HA5AADE2ED7DC4E41A6F4DC2CA973855C" commented="no"><enum>(I)</enum><text>the dwelling unit is assisted by the Rural Housing Service of the Department of Agriculture;</text></subclause><subclause id="HEE57A6A5A8C74CFDBBF2553559E93FDB" commented="no"><enum>(II)</enum><text>the dwelling unit was physically inspected and passed inspection in connection with the assistance described in subclause (I) during the preceding 12-month period; and</text></subclause><subclause id="H9C9417347F3E4EB79928488845B52B30" commented="no"><enum>(III)</enum><text>the applicable public housing agency is able to obtain the results of the inspection described in subclause (II).</text></subclause></clause><clause commented="no" display-inline="no-display-inline" id="H1DBBB709A60142DD8E62863BA0C9C57D"><enum>(iv)</enum><header>Remote or video inspections</header><text display-inline="yes-display-inline">When complying with inspection requirements for a housing unit located in a rural or small area using assistance under this subtitle, the Secretary may allow a grantee to conduct a remote or video inspection of a unit provided that the remote or video inspection—</text><subclause id="HC1FAE3E0FCAB48678419400735B3D76C"><enum>(I)</enum><text>covers a substantially similar review of the relevant aspects of the unit compared to an in-person inspection;</text></subclause><subclause id="H69E491A680A7449C85EC2B48C1815F96"><enum>(II)</enum><text>does not misrepresent the condition of the unit; and</text></subclause><subclause id="HDA3AAFF3D57149E0870AE140EC0D6FEB"><enum>(III)</enum><text>provides the information necessary to fully and accurately evaluate the conditions of the unit to ensure that the unit meets the applicable standards.</text></subclause></clause><clause id="H1B9683D2B64F47948A884E41A6C55FA8" commented="no"><enum>(v)</enum><header>Rule of construction</header><text>Nothing in clause (i), (ii), (iii), or (iv) may be construed to affect the operation of a housing program described in, or authorized under a provision of law described in, that clause.</text></clause></subparagraph><after-quoted-block>.</after-quoted-block></quoted-block></subsection></section><enum>III</enum><header>Expanding Manufactured and Affordable Housing Finance Opportunities</header><section id="H8EAC10D9925F4675A5347D6F173FC6C3" commented="no"><enum>301.</enum><header>Manufactured Housing Innovations</header><subsection id="HCB84BADB194D43DDBDCA89E0F51150D9" display-inline="no-display-inline" commented="no"><enum>(a)</enum><header>In general</header><text>Section 603(6) of the National Manufactured Housing Construction and Safety Standards Act of 1974 (<external-xref legal-doc="usc" parsable-cite="usc/42/5402">42 U.S.C. 5402(6)</external-xref>) is amended by striking <quote>on a permanent chassis</quote> and inserting <quote>with or without a permanent chassis</quote>.</text></subsection><subsection id="HF59847A36F9D4D5D8439EB9DEBD38293" commented="no" display-inline="no-display-inline"><enum>(b)</enum><header>Standards for manufactured homes built without a permanent chassis</header><text>Section 604(a) of the National Manufactured Housing Construction and Safety Standards Act of 1974 (<external-xref legal-doc="usc" parsable-cite="usc/42/5403">42 U.S.C. 5403</external-xref>) is amended by adding at the end the following:</text><quoted-block style="OLC" id="H67269E89B81C4E8487CDECEE3DAAEDB9" display-inline="no-display-inline" changed="added" reported-display-style="italic" committee-id="HBA00"><paragraph id="H2F116491158644298950A286DDE8C493" commented="no"><enum>(7)</enum><header>Standards for manufactured homes built without a permanent chassis</header><subparagraph id="HD3BD8C1B8C784CEE9BFD2708DD56CB32" commented="no"><enum>(A)</enum><header>In general</header><text display-inline="yes-display-inline">The Secretary shall issue revised standards for manufactured homes built without a permanent chassis and shall consult with the consensus committee in the development of such revised standards, using the process described in paragraph (4). </text></subparagraph><subparagraph id="H29070123F813494FA5938B2556A8F586" commented="no"><enum>(B)</enum><header>Creating final standards</header><text display-inline="yes-display-inline">The Secretary shall, after consulting and conferring with the consensus committee, establish standards to ensure manufactured homes without a permanent chassis have— </text><clause id="H317B583A69AF4DEDB2954103FE64F4C0" commented="no"><enum>(i)</enum><text display-inline="yes-display-inline">a distinct label to be issued by the Secretary distinguishing manufactured homes built without a permanent chassis from manufactured homes built on a permanent chassis;</text></clause><clause id="HD975EB6A8FF34EAA843192187CF5F3FC" commented="no"><enum>(ii)</enum><text display-inline="yes-display-inline">a data plate, as described in section 3280.5 of title 24, Code of Federal Regulations, distinguishing manufactured homes built without a permanent chassis from manufactured homes built on a permanent chassis; and</text></clause><clause id="H058FCF49463D47A9BB0F645D900837F0" commented="no"><enum>(iii)</enum><text display-inline="yes-display-inline">a notation on any invoice produced by the manufacturer of a manufactured home that is distinguishable from the invoice for a manufactured home constructed with a permanent chassis.</text></clause></subparagraph></paragraph><after-quoted-block>.</after-quoted-block></quoted-block></subsection><subsection id="H3E79F77E8487469397B93B0FB801B1A4" display-inline="no-display-inline" commented="no"><enum>(c)</enum><header>Manufactured home standards and certifications</header><text>Section 604 of the National Manufactured Housing Construction and Safety Standards Act of 1974 (<external-xref legal-doc="usc" parsable-cite="usc/42/5403">42 U.S.C. 5403</external-xref>) is amended by adding at the end the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="HE6CEE092AA4A48F498811FDAD771EB56" changed="added" reported-display-style="italic" committee-id="HBA00"><subsection id="H9AE66FE94B5A403D8D42BC317DEC2874" commented="no"><enum>(i)</enum><header>Manufactured home standards and certifications</header><paragraph id="H482121090CFA4A4DA7F9EF476A0B85E6" commented="no"><enum>(1)</enum><header>In general</header><subparagraph id="H1A256C1DD894444A8758B617F7DC40EF" commented="no"><enum>(A)</enum><header>Initial certification</header><text display-inline="yes-display-inline">Subject to subparagraph (B), not later than 1 year after the date of enactment of this subsection, a State shall submit to the Secretary an initial certification that the laws and regulations of the State—</text><clause id="H8D1C7955906D4DD08AD14D1DDB3185C6" commented="no"><enum>(i)</enum><text display-inline="yes-display-inline">treat a manufactured home without a chassis in parity with a manufactured home (as defined and regulated by the State); and</text></clause><clause id="HC1FF18BF4E324E3F96CC8379DAB8C3FA" commented="no"><enum>(ii)</enum><text>subject a manufactured home without a permanent chassis to the same laws and regulations of the State as a manufactured home built on a permanent chassis with respect to financing, title, insurance, manufacture, sale, taxes, transportation, installation, and other areas as the Secretary determines, after consultation with and approval by the consensus committee, are necessary to give effect to the purpose of this section.</text></clause></subparagraph><subparagraph id="H809438B7696C403AB2FB2438B2C452BF" commented="no"><enum>(B)</enum><header>State plan submission</header><text display-inline="yes-display-inline">Any State plan submitted under section 623(c) of the National Manufactured Housing Construction and Safety Standards Act of 1974 (<external-xref legal-doc="usc" parsable-cite="usc/42/5422">42 U.S.C. 5422(c)</external-xref>) shall contain the required State certification under subparagraph (A) or paragraph (3) and, if contained therein, no additional or State certification under subparagraph (A) or paragraph (3).</text></subparagraph><subparagraph id="HFD87A11816C34AC2AD5C82FF464397E1" commented="no"><enum>(C)</enum><header>Extended deadline</header><text display-inline="yes-display-inline">With respect to a State with a legislature that meets biennially, the deadline for the submission of the initial certification required under subparagraph (A) shall be 2 years after the date of enactment of this subsection.</text></subparagraph><subparagraph id="H52D4AF0C632845979218D87DD28426B6" commented="no"><enum>(D)</enum><header>Late certification</header><clause commented="no" display-inline="no-display-inline" id="H7877F4C318824D4C87CCD9E2110EE3D9"><enum>(i)</enum><header display-inline="yes-display-inline"> No waiver</header><text>The Secretary may not waive the prohibition described in paragraph (5)(B) with respect to a certification submitted after the deadline under subparagraph (A) or paragraph (3) unless the Secretary approves the late certification.</text></clause><clause commented="no" display-inline="no-display-inline" id="H453A74F86AA04B179F25B2128F6BFC9C"><enum>(ii)</enum><header display-inline="yes-display-inline">Rule of construction</header><text>Nothing in this subsection shall be construed to prevent a State from submitting the initial certification required under subparagraph (A) after the required deadline under that subparagraph.</text></clause></subparagraph></paragraph><paragraph id="H44EB9A82A2E5464891D963118F4A571C" commented="no"><enum>(2)</enum><header>Form of State certification not presented in a State plan</header><text>The initial certification required under paragraph (1)(A), if not submitted with a State plan under paragraph (1)(B), shall contain, in a form prescribed by the Secretary, an attestation by an official that the State has taken the steps necessary to ensure the veracity of the certification required under paragraph (1)(A), including, as necessary, by—</text><subparagraph id="H40A0E0B5FA35457CBE8EE98390A5B54A" commented="no"><enum>(A)</enum><text>amending the definition of <term>manufactured home</term> in the laws and regulations of the State; and</text></subparagraph><subparagraph id="HD19A0D6F961D40A499D8FE2F5F4C73BD" commented="no"><enum>(B)</enum><text>directing State agencies to amend the definition of <term>manufactured home</term> in regulations.</text></subparagraph></paragraph><paragraph id="HA8A9A812A13546DD98F9E3EFDB5AC2D4" commented="no"><enum>(3)</enum><header>Annual recertification</header><text>Not later than a date to be determined by the Secretary each year, a State shall submit to the Secretary an additional certification that—</text><subparagraph id="HCE32139822EB45498A9C16149C646B83" commented="no"><enum>(A)</enum><text>confirms the accuracy of the initial certification submitted under subparagraph (A) or (B) of paragraph (1); and</text></subparagraph><subparagraph id="HD11144552D1041D6B45F45193AB89D74" commented="no"><enum>(B)</enum><text>certifies that any new laws or regulations enacted or adopted by the State since the date of the previous certification do not change the veracity of the initial certification submitted under paragraph (1)(A).</text></subparagraph></paragraph><paragraph id="H2C303A3F6B7242538C415AECB4D7D801" commented="no"><enum>(4)</enum><header>List</header><text>The Secretary shall publish and maintain in the Federal Register and on the website of the Department of Housing and Urban Development a list of States that are up-to-date with the submission of initial and subsequent certifications required under this subsection.</text></paragraph><paragraph id="H10914645B84D42A39260991B7C7EEA7C" commented="no"><enum>(5)</enum><header>Prohibition</header><subparagraph id="H899F55DFFE07428887B76E4BCEF75E17" commented="no"><enum>(A)</enum><header>Definition</header><text>In this paragraph, the term <term>covered manufactured home</term> means a home that is—</text><clause id="H7264A2A11E1C4DB6A2A78549D60E727E" commented="no"><enum>(i)</enum><text>not considered a manufactured home under the laws and regulations of a State because the home is constructed without a permanent chassis;</text></clause><clause id="H6BA5133A0B17438187E3E843953CCB60" commented="no"><enum>(ii)</enum><text>considered a manufactured home under the definition of the term in section 603; and</text></clause><clause id="H13E83799771E4E08A9D76192C25D32D6" commented="no"><enum>(iii)</enum><text display-inline="yes-display-inline">constructed after the date of enactment of this subsection.</text></clause></subparagraph><subparagraph commented="no" id="H8FAEDFA0AF8945A5B5E1A8CD1108CA38"><enum>(B)</enum><header>Building, installation, and sale</header><text>If a State does not submit a certification under paragraph (1)(A) or paragraph (3) by the date on which those certifications are required to be submitted—</text><clause commented="no" id="H5D20BFAA725E41D99A20EB83DAA8A530"><enum>(i)</enum><text>with respect to a State in which the State administers the installation of manufactured homes, the State shall prohibit the manufacture, installation, or sale of a covered manufactured home within the State; and</text></clause><clause commented="no" id="HB5C38059E1D44B1BA47304634EF59827"><enum>(ii)</enum><text>with respect to a State in which the Secretary administers the installation of manufactured homes, the State and the Secretary shall prohibit the manufacture, installation, or sale of a covered manufactured home within the State.</text></clause></subparagraph></paragraph></subsection><after-quoted-block>.</after-quoted-block></quoted-block></subsection><subsection id="H0A1D85575B9E44929A752F739BA2E9E7" display-inline="no-display-inline" commented="no"><enum>(d)</enum><header>Other Federal laws regulating manufactured homes</header><text>The Secretary of Housing and Urban Development may coordinate with the heads of other Federal agencies to ensure that Federal agencies treat a manufactured home (that is defined in Federal laws and regulations other than section 603 of the National Manufactured Housing Construction and Safety Standards Act of 1974 (<external-xref legal-doc="usc" parsable-cite="usc/42/5402">42 U.S.C. 5402</external-xref>)) in the same manner as a manufactured home (that is defined in section 603 of the National Manufactured Housing Construction and Safety Standards Act of 1974 (<external-xref legal-doc="usc" parsable-cite="usc/42/5402">42 U.S.C. 5402</external-xref>)), as amended by this Act.</text></subsection><subsection id="H1A9959C65CD7478381909F4C3B79B9E9" display-inline="no-display-inline" commented="no"><enum>(e)</enum><header>Assistance to States</header><text>Section 609 of the National Manufactured Housing Construction and Safety Standards Act of 1974 (<external-xref legal-doc="usc" parsable-cite="usc/42/5408">42 U.S.C. 5408</external-xref>) is amended—</text><paragraph id="H3DF05BF0869C4EEABB2D906FBD702C6C" commented="no"><enum>(1)</enum><text>in paragraph (1), by striking <quote>and</quote> at the end;</text></paragraph><paragraph id="H12F6328770314053BA2A278CB668D40C" commented="no"><enum>(2)</enum><text>in paragraph (2), by striking the period at the end and inserting <quote>; and</quote>; and</text></paragraph><paragraph id="HF51FD2D9B2724022903513023DE90204" commented="no"><enum>(3)</enum><text>by adding at the end the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="H57B74AF9B9E54A38ABA233E57284D935" changed="added" reported-display-style="italic" committee-id="HBA00"><paragraph id="H79EB9BD8E649438A9D3EF27B08E9033C" commented="no"><enum>(3)</enum><text>model guidance to support the submission of the certification required under section 604(i).</text></paragraph><after-quoted-block>.</after-quoted-block></quoted-block></paragraph></subsection><subsection id="HEF170C1E5450460FA6CF72DBE6241EE8" commented="no" display-inline="no-display-inline"><enum>(f)</enum><header>Preemption</header><text>Nothing in this section or the amendments made by this section may be construed as limiting the scope of Federal preemption under section 604(d) of the National Manufactured Housing Construction and Safety Standards Act of 1974 (<external-xref legal-doc="usc" parsable-cite="usc/42/5403">42 U.S.C. 5403(d)</external-xref>).</text></subsection><subsection id="HBE82F8480CD94F1382FA08FF69A1EE0E" commented="no"><enum>(g)</enum><header>Primary authority to establish manufactured home construction and safety standards</header><text display-inline="yes-display-inline">The National Manufactured Housing Construction and Safety Standards Act of 1974 (<external-xref legal-doc="usc" parsable-cite="usc/42/5401">42 U.S.C. 5401 et seq.</external-xref>) is further amended—</text><paragraph id="HA05BCBF6EE384E7480A7AA20BC19F6CA" commented="no"><enum>(1)</enum><text>in section 603(7), by inserting <quote>energy efficiency,</quote> after <quote>design,</quote>; and</text></paragraph><paragraph id="H1B3A368FACD049359F6D1A7B00B105E1" commented="no"><enum>(2)</enum><text>in section 604, by adding at the end the following:</text><quoted-block style="OLC" id="H699A4A26F4A54B34A8ADFF9339ACE601" display-inline="no-display-inline" changed="added" reported-display-style="italic" committee-id="HBA00"><subsection id="H7CB3C421BC7645B68E35E9151D98C307" commented="no"><enum>(j)</enum><header>Primary authority to establish standards</header><paragraph id="H3957CCED265B4FC5BD2FCA360D8A2D78" commented="no"><enum>(1)</enum><header>In general</header><text>The Secretary shall have the primary authority to establish Federal manufactured home construction and safety standards.</text></paragraph><paragraph id="H06E07F5799AF49289F63A067B1D3ED56" commented="no"><enum>(2)</enum><header>Approval from Secretary</header><subparagraph id="HA1566F66669C4CEC917F19C317D59D50" commented="no"><enum>(A)</enum><header>In general</header><text>The head of any Federal agency that seeks to establish a manufactured home construction and safety standard on or after the date of the enactment of this subsection—</text><clause id="HCA58688622FC46EE9DDBD2B20A0F34DE" commented="no"><enum>(i)</enum><text>shall submit to the Secretary a proposal describing such standard; and</text></clause><clause id="H7F8AA8A1FAE9414C899D6778A7652367" commented="no"><enum>(ii)</enum><text>may not establish such standard without approval from the Secretary.</text></clause></subparagraph><subparagraph id="HC8A0F366F34D42A7A1056074AF95DE4A" commented="no"><enum>(B)</enum><header>Rejection of standards</header><text>The Secretary shall reject a standard submitted to the Secretary for approval under subparagraph (A)—</text><clause id="HCEE40294DD3A4141982691F986D621E3" commented="no"><enum>(i)</enum><text>if the standard would significantly increase the cost of producing manufactured homes, as determined by the Secretary;</text></clause><clause id="HC49CAE81420F4FCAA04CCDE4A1A83D86" commented="no"><enum>(ii)</enum><text>if the standard would conflict with existing manufactured home construction and safety standards established by the Secretary; or</text></clause><clause id="H190A802D18614E09A6675EDD315C0366" commented="no"><enum>(iii)</enum><text>for any other reason as determined appropriate by the Secretary.</text></clause></subparagraph><subparagraph id="H4CFA5FA7FE914441AB8C54C46957F871" commented="no"><enum>(C)</enum><header>Rule of construction</header><text>Nothing in this subsection may be construed to require the Secretary to establish new or revised Federal manufactured home construction and safety standards. </text></subparagraph></paragraph></subsection><after-quoted-block>.</after-quoted-block></quoted-block></paragraph></subsection></section><section id="HEBD43F5929FB4635A6E95A631678DD0F" section-type="subsequent-section" display-inline="no-display-inline"><enum>302.</enum><header>FHA small-dollar mortgages</header><subsection id="H04EAF7CB5A3743DABB9D5612656DC2A1"><enum>(a)</enum><header>In general</header><text display-inline="yes-display-inline">Not later than 1 year after the date of the enactment of this section, the Secretary of Housing and Urban Development, acting through the Federal Housing Commissioner, may establish a pilot program to increase access to small-dollar mortgages for mortgagors which may include—</text><paragraph id="H67049B8E8896451990D22F821076ACEC"><enum>(1)</enum><text>authorizing direct payments to mortgagees to incentivize the origination of small-dollar mortgages;</text></paragraph><paragraph id="H5D2C5AE174BA4783838BFF7ACFE54A6C"><enum>(2)</enum><text>adjusting terms and costs imposed by the Federal Housing Administration with respect to small-dollar mortgages;</text></paragraph><paragraph id="H6C9BF9D71644472EB48C0E3B07F3FA13"><enum>(3)</enum><text>providing direct grants for mortgagors who obtain small-dollar mortgages to cover costs associated with—</text><subparagraph id="H4606352A4DC34AFDA17C8AA5B2F626E0"><enum>(A)</enum><text>down payments;</text></subparagraph><subparagraph id="H89790C3A3EB040E4B1A434B4AD4F4035"><enum>(B)</enum><text>closing costs;</text></subparagraph><subparagraph id="H4E6BE623D4D046758F4639D47CC6453A"><enum>(C)</enum><text>appraisals; and</text></subparagraph><subparagraph id="H55A8689C80B648DFB1F622341996B690"><enum>(D)</enum><text>title insurance;</text></subparagraph></paragraph><paragraph id="HDAEE227675B5497FB3912A0795DD8500" display-inline="no-display-inline"><enum>(4)</enum><text>conducting outreach to potential mortgagors about the availability of small-dollar mortgages; and</text></paragraph><paragraph id="HC7EA7F83B71F4E519CB27331449AA72C"><enum>(5)</enum><text>providing technical assistance for mortgagees that originate small-dollar mortgages.</text></paragraph></subsection><subsection id="H61AE819ACC7F44CBAB79524ABE3E1CF4"><enum>(b)</enum><header>Report</header><text display-inline="yes-display-inline">Beginning not later than 1 year after the establishment of the pilot program under subsection (a) and ending 1 year after the sunset of the pilot program, the Federal Housing Commissioner shall submit to the Congress an annual report that—</text><paragraph id="HA2C3C535228C437494D806959B75C355"><enum>(1)</enum><text display-inline="yes-display-inline">tracks and evaluates the outcomes of small-dollar mortgages originated by mortgagees as a result of support provided under subsection (a);</text></paragraph><paragraph id="HD855F936F46645F2A7B6F0243D3C6B8E"><enum>(2)</enum><text>analyzes risks of the pilot program to the solvency of the Mutual Mortgage Insurance Fund; </text></paragraph><paragraph id="HC4C3C7B297BA4A5FB12FA18F1C3186AD"><enum>(3)</enum><text>includes data with respect to—</text><subparagraph id="H89891E6BBB1743B8AA8FF9ABBE8BB4A6"><enum>(A)</enum><text>the number of small-dollar mortgages originated in the 10-year period preceding the date of the enactment of this section, including small-dollar mortgages insured or guaranteed by the Federal Government and small-dollar mortgages not insured by the Federal Government;</text></subparagraph><subparagraph id="H000395C4CED14CD6AC3BB621F1F1AB54"><enum>(B)</enum><text>the original principal balance of each small-dollar mortgage identified under subparagraph (A);</text></subparagraph><subparagraph id="HAD0594B5E2524D7EBCC837F9715F5454"><enum>(C)</enum><text>demographic information about the mortgagors associated with each such small-dollar mortgages; and</text></subparagraph><subparagraph id="H8F0F4A538AAC4D949D2215E1C7942668"><enum>(D)</enum><text>the number and type of mortgagees that offer small-dollar mortgages;</text></subparagraph></paragraph><paragraph id="H231D2443E0A5495B837F78EC3115C0DF" display-inline="no-display-inline"><enum>(4)</enum><text>provides a description of the fixed costs that are associated with mortgages and the impact of such costs on the ability of lenders to earn a market rate return on small-dollar mortgages; and</text></paragraph><paragraph id="H7677469D197041B0BAFF7AB5C3FC8F74"><enum>(5)</enum><text>includes analysis, by regions of the United States, including rural regions, that identifies regions with the greatest need for, and the highest likelihood of, the origination of small-dollar mortgages and regions that could benefit the most from increased availability of small-dollar mortgages.</text></paragraph></subsection><subsection id="H727013EC717342A1A3F3B08876264830"><enum>(c)</enum><header>Sunset</header><text display-inline="yes-display-inline">The pilot program established under subsection (a) shall terminate on the date that is 4 years after the date on which the pilot program is established under subsection (a).</text></subsection><subsection id="H0B0A426C25284965A6D5468C1962B4D7"><enum>(d)</enum><header>Expiration of authority</header><text display-inline="yes-display-inline">After the expiration of the 3-year period beginning on the date of enactment of this section, neither the Federal Housing Commissioner nor the Secretary of Housing and Urban Development may newly establish a pilot program to increase access to small-dollar mortgages for mortgagors.</text></subsection><subsection id="H946B6FC5304540F5AA57BE63AC75CF54"><enum>(e)</enum><header>Small-dollar mortgage defined</header><text>The term <term>small-dollar mortgage</term> means a mortgage that—</text><paragraph id="HBD9C8B4047A046E394868D7960C63071"><enum>(1)</enum><text>has an original principal balance of $100,000 or less; and</text></paragraph><paragraph id="H1E0B63AEA4354A75A1E56B2D52EEB0D6"><enum>(2)</enum><text>is secured by a 1- to 4-unit property that is the principal residence of the mortgagor.</text></paragraph></subsection></section><section id="H039F3FAB12E64BB8960DECBE0617CA71" commented="no"><enum>303.</enum><header>Community investment and prosperity</header><subsection id="H7FE12CA418264190986AB9AF8581235D" commented="no"><enum>(a)</enum><header>Revised statutes</header><text>The paragraph designated as the <quote>Eleventh</quote> of section 5136 of the Revised Statutes of the United States (<external-xref legal-doc="usc" parsable-cite="usc/12/24">12 U.S.C. 24</external-xref>) is amended, in the fifth sentence, by striking <quote>15</quote> each place it appears and inserting <quote>20</quote>.</text></subsection><subsection id="H6EFDFBA5013C450BB48CEA15FBF2EBD4" commented="no"><enum>(b)</enum><header>Federal Reserve Act</header><text>Section 9(23) of the Federal Reserve Act (<external-xref legal-doc="usc" parsable-cite="usc/12/338a">12 U.S.C. 338a</external-xref>) is amended, in the fifth sentence, by striking <quote>15</quote> each place it appears and inserting <quote>20</quote>.</text></subsection><subsection id="H9F3909E5CC3F407FBC8D157D652344A1" commented="no"><enum>(c)</enum><header>Study</header><text display-inline="yes-display-inline">Not later than 2 years after the date of the enactment of this section, and every 2 years thereafter, the Comptroller of the Currency and the Board of Governors of the Federal Reserve System shall each submit to the Committee on Financial Services of the House of Representatives and the Committee on Banking, Housing, and Urban Affairs of the Senate, a report, after consulting with the other agency in the development of such report, about public welfare investments that were made by associations under section 5136 of the Revised Statutes of the United States and State member banks under section 9(23) of the Federal Reserve Act in the 2 previous calendar years, that—</text><paragraph id="H6F6901FF994742668505A435EB58E86F" commented="no"><enum>(1)</enum><text>identifies the number of such investments, broken down by—</text><subparagraph id="H463FB4EA4EE045609EEF7A8BC4438B65" commented="no"><enum>(A)</enum><text>purpose;</text></subparagraph><subparagraph id="H5D40FC88694546DDAD3052D10A7B28B5" commented="no"><enum>(B)</enum><text>type;</text></subparagraph><subparagraph id="HF181A142D044488198C0AFD9C023CBC0" commented="no"><enum>(C)</enum><text>amount of assets of the association or State member bank that made the investment, using not less than 4 categories to describe the amount of assets of the associations and banks; and</text></subparagraph><subparagraph id="H8E3ED98E10B64FA59277269BC43F0865" commented="no"><enum>(D)</enum><text>State, or other location;</text></subparagraph></paragraph><paragraph id="HAA37F3904B5D4F2A8A4F98CA34DF0E62" commented="no"><enum>(2)</enum><text>identifies the dollar amounts of such investments, broken down by—</text><subparagraph id="HB80E49BF6EE6436F81CB8EF0FBDA1D8B" commented="no"><enum>(A)</enum><text>purpose;</text></subparagraph><subparagraph id="H5CAAD191CE4A4DB29725205E330A5AD8" commented="no"><enum>(B)</enum><text>type;</text></subparagraph><subparagraph id="H005F133AE6714D219FB89B0ED7D9380B" commented="no"><enum>(C)</enum><text>amount of assets of the association or State member bank that made the investment, using not less than 4 categories to describe the amount of assets of the associations and banks; and</text></subparagraph><subparagraph id="H9DA90570ED7F440CBBD2EEBACABF9EDD" commented="no"><enum>(D)</enum><text>State or other location; and</text></subparagraph></paragraph><paragraph id="H6D91AEF1BB3940BAA534E8AEC81FFE0D" commented="no"><enum>(3)</enum><text display-inline="yes-display-inline">for each type of public welfare investment identified under paragraphs (1) and (2), a description of the substantive and procedural requirements that apply to each type of investment made under—</text><subparagraph id="HEC255ECC1D5749D3BB8C2E432CBE5E32"><enum>(A)</enum><text display-inline="yes-display-inline">in the case of a report by the Comptroller of the Currency, section 5136 of the Revised Statutes of the United States; or</text></subparagraph><subparagraph id="HE1A04B6D9B334E0ABBD2A334D3657134"><enum>(B)</enum><text display-inline="yes-display-inline">in the case of a report by the Board of Governors, section 9(23) of the Federal Reserve Act.</text></subparagraph></paragraph></subsection></section><enum>IV</enum><header>Protecting Borrowers and Assisted Families</header><section id="H3F6F8F8324E04C85824510AA3D76D273"><enum>401.</enum><header>Exclusion of certain disability benefits</header><subsection id="HC623DA4092C3466CAE6972AFF56C25F5"><enum>(a)</enum><header>In general</header><text display-inline="yes-display-inline">Section 3(b)(4)(B) of the United States Housing Act of 1937 (<external-xref legal-doc="usc" parsable-cite="usc/42/1437a">42 U.S.C. 1437a(b)(4)(B)</external-xref>) is amended—</text><paragraph id="HC09484E1BECF4F1890617AC339D4307B"><enum>(1)</enum><text display-inline="yes-display-inline">by redesignating clauses (iv) and (v) as clauses (vi) and (vii), respectively; and</text></paragraph><paragraph id="HA1CA29347F654CB3AF6315CDD6D8846C"><enum>(2)</enum><text>by inserting after clause (iii) the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="H036652089990484DB444D3395ACB5C36" changed="added" reported-display-style="italic" committee-id="HBA00"><clause id="H360A463325A44C9DA8F133F66A1736B4"><enum>(iv)</enum><text display-inline="yes-display-inline">with respect to the supported housing program under section 8(o)(19), any disability benefits received under chapter 11 or <external-xref legal-doc="usc-chapter" parsable-cite="usc-chapter/38/15">chapter 15</external-xref> of title 38, United States Code, received by a veteran, except that this exclusion may not apply to the definition of adjusted income;</text></clause><clause id="HCFBF40541D704E3CBDCFF5714A0A671E"><enum>(v)</enum><text display-inline="yes-display-inline">with respect to any household receiving rental assistance under the supported housing program under section 8(o)(19) as it relates to eligibility for other types of housing assistance, any disability benefits received under chapter 11 or <external-xref legal-doc="usc-chapter" parsable-cite="usc-chapter/38/15">chapter 15</external-xref> of title 38, United States Code, received by a veteran, except that this exclusion may not apply to the definition of adjusted income; </text></clause><after-quoted-block>.</after-quoted-block></quoted-block></paragraph></subsection><subsection id="H7405497CF04940EC9C53804EB0807454"><enum>(b)</enum><header>Service-connected disability compensation</header><text display-inline="yes-display-inline">Section 102(a)(20) of the Housing and Community Development Act of 1974 (<external-xref legal-doc="usc" parsable-cite="usc/42/5302">42 U.S.C. 5302(a)(20)</external-xref>) is amended by adding at the end the following:</text><quoted-block style="OLC" id="HC4CD10ABA2BE4481B67E49F66732F7CE" display-inline="no-display-inline" changed="added" reported-display-style="italic" committee-id="HBA00"><subparagraph id="H81F2481E230642BABCC492803CEA3188"><enum>(C)</enum><header>Service-connected disability compensation</header><text display-inline="yes-display-inline">When determining whether a person is a person of low- and moderate-income, a person of low-income or a person of moderate-income under this paragraph, a State, unit of general local government, or Indian Tribe shall exclude any service-connected disability compensation received by such person from the Department of Veterans Affairs.</text></subparagraph><after-quoted-block>.</after-quoted-block></quoted-block></subsection><subsection id="HDC70FF75A8EF4D5FB87D8B7722639B9F"><enum>(c)</enum><header>Treatment of certain disability benefits</header><text display-inline="yes-display-inline">When determining the eligibility of a veteran to rent a residential dwelling unit constructed on Department property on or after the date of the enactment of this Act, for which assistance is provided as part of a housing assistance program administered by the Secretary of Housing and Urban Development and not yet in existence at the time of the enactment of this section, the Secretary shall exclude from income any disability benefits received under chapter 11 or <external-xref legal-doc="usc-chapter" parsable-cite="usc-chapter/38/15">chapter 15</external-xref> of title 38, United States Code, by such person.</text></subsection><subsection id="HA311B28A345F4A3689DCF5F78432CC70"><enum>(d)</enum><header>Report</header><text display-inline="yes-display-inline">The Comptroller General of the United States shall, not later than 1 year after the date of the enactment of this Act, submit to the Congress a report that—</text><paragraph id="HE0C61DAC33E34BA1978DC1F249765195"><enum>(1)</enum><text>examines how service-connected disability compensation is treated for the purposes of determining eligibility for all programs administered by the Secretary of Housing and Urban Development;</text></paragraph><paragraph id="H15ACB0955A224546AE0F9166BDFB9DBE"><enum>(2)</enum><text>identifies any instances where service-connected disability compensation is treated in a manner inconsistent with the amendments made by subsections (a) and (b); and</text></paragraph><paragraph id="H9294A4AC02F142C89FFADDD13DA7E8D5"><enum>(3)</enum><text>with respect to each program administered by the Secretary of Housing and Urban Development in which service-connected disability compensation is treated inconsistently, provides legislative recommendations relating to how such program could better serve veteran populations, and underserved communities.</text></paragraph></subsection><subsection id="H2F05C353EC634024A518F3A34DAB236F"><enum>(e)</enum><header>Definitions</header><text>In this section:</text><paragraph id="H2DE0F44515ED45CF90F7D0BDF9459482"><enum>(1)</enum><header>Department property</header><text>The term <term>Department property</term> has the meaning given the term in section 901 of title 38, United States Code.</text></paragraph><paragraph id="H0453C0191D6E495E93E141D69B15CED7"><enum>(2)</enum><header>Secretary</header><text display-inline="yes-display-inline">The term <term>Secretary</term> means the Secretary of Housing and Urban Development.</text></paragraph></subsection></section><section id="H750782D6BE054441B465C15914713F20"><enum>402.</enum><header>Military service question</header><subsection commented="no" display-inline="no-display-inline" id="H75921DD0FC6E4048BAE50F20F6644A3A"><enum>(a)</enum><header display-inline="yes-display-inline">In general</header><text>Subpart A of part 2 of the Federal Housing Enterprises Financial Safety and Soundness Act of 1992 (<external-xref legal-doc="usc" parsable-cite="usc/12/4541">12 U.S.C. 4541 et seq.</external-xref>) is amended by adding at the end the following:</text><quoted-block style="OLC" display-inline="no-display-inline" id="H162B278596EA42E9A3C2AC623275A5CD" changed="added" reported-display-style="italic" committee-id="HBA00"><section id="HB18AC6BDAEF04340A19CBD46BC9225F3"><enum>1329.</enum><header>Uniform residential loan application</header><text display-inline="no-display-inline">Not later than 6 months after the date of enactment of this section, the Director shall, by regulation or order, require each enterprise to include a disclaimer below the military service question which shall be above the signature line on the form known as the Uniform Residential Loan Application stating, <quote>If yes, you may qualify for a VA Home Loan. Consult your lender regarding eligibility.</quote>.</text></section><after-quoted-block>.</after-quoted-block></quoted-block></subsection><subsection commented="no" display-inline="no-display-inline" id="H0DF0BD710BEE49468A34231F4808C914"><enum>(b)</enum><header>GAO study</header><text>Not later than 18 months after the date of enactment of this Act, the Comptroller General of the United States shall conduct a study and submit to the Congress a report on whether or not less than 80-percent of lenders using the Uniform Residential Loan Application have included on that form the disclaimer required under section 1329 of the Federal Housing Enterprises Financial Safety and Soundness Act of 1992, as added by subsection (a).</text></subsection></section><section id="HD767463AA8BE4FCF9DF823C9D8CD4278"><enum>403.</enum><header>HUD–USDA–VA Interagency Coordination</header><subsection id="HBA3436A1B9CA48E2B8B3AFBB915070D5" commented="no" display-inline="no-display-inline"><enum>(a)</enum><header>Memorandum of understanding</header><text display-inline="yes-display-inline">Not later than 180 days after the date of enactment of this Act, the Secretary of Housing and Urban Development, the Secretary of Agriculture, and the Secretary of Veterans Affairs shall establish a memorandum of understanding, or other appropriate interagency agreement, to share relevant housing-related research and market data that facilitates evidence-based policymaking.</text></subsection><subsection id="H313D9CF9F502444CB75660854A08CFEE"><enum>(b)</enum><header>Interagency report</header><paragraph id="H104A024E8D934C42B3ADB0E935DE2CA0" commented="no" display-inline="no-display-inline"><enum>(1)</enum><header display-inline="yes-display-inline">Report</header><text>Not later than 1 year after the date of enactment of this Act, the Secretary of Housing and Urban Development, the Secretary of Agriculture, and the Secretary of Veterans Affairs shall jointly submit to the Committee on Banking, Housing, and Urban Affairs, the Committee on Agriculture, Nutrition, and Forestry, and the Committee on Veterans’ Affairs of the Senate and the Committee on Financial Services, the Committee on Agriculture, and the Committee on Veterans’ Affairs of the House of Representatives a report that describes opportunities for increased collaboration between the Secretary of Housing and Urban Development, the Secretary of Agriculture, and the Secretary of Veterans Affairs to improve efficiencies in housing programs.</text></paragraph><paragraph id="HF3C25E0CA8CD4569995183E10F4CE827" commented="no" display-inline="no-display-inline"><enum>(2)</enum><header display-inline="yes-display-inline">Publication</header><text>The report required under paragraph (1) shall, prior to submission, be published in the Federal Register and open for comment for a period of 30 days.</text></paragraph></subsection></section><section commented="no" display-inline="no-display-inline" section-type="subsequent-section" id="H2D03FC9273004D949F56C8C2028A41AC"><enum>404.</enum><header>Family self-sufficiency escrow expansion pilot program</header><text display-inline="no-display-inline">Title I of the United States Housing Act of 1937 (<external-xref legal-doc="usc" parsable-cite="usc/42/1437">42 U.S.C. 1437 et seq.</external-xref>) is amended by adding at the end the following:</text><quoted-block style="OLC" id="H27366883EEF744D1B2715BB4C8B8731E" display-inline="no-display-inline" changed="added" reported-display-style="italic" committee-id="HBA00"><section id="H04255FDC2C0142DAA0602A349E7837CF"><enum>39.</enum><header>Escrow expansion pilot program</header><subsection id="H97A468E5248C477DAA4C532E2FDE29B0"><enum>(a)</enum><header>Definitions</header><text display-inline="yes-display-inline">In this section:</text><paragraph id="H5CE580C8C47948808C72D04ADD2675BA"><enum>(1)</enum><header>Covered family</header><text display-inline="yes-display-inline">The term <term>covered family</term> means a family that—</text><subparagraph id="H4EB487D0F6F14495AD5DDFD90FD5C3A9"><enum>(A)</enum><text>receives assistance under section 8 or 9 of this Act;</text></subparagraph><subparagraph id="H86E4B9A3208A4F03A2272F8988DABFEB"><enum>(B)</enum><text>is enrolled in the pilot program; and </text></subparagraph><subparagraph id="HB0DF9D4841CC4F3B9ED6D1C19D62AA26"><enum>(C)</enum><text display-inline="yes-display-inline">has an adjusted income that does not exceed 80-percent of the area-median income at the time of enrollment in the pilot program.</text></subparagraph></paragraph><paragraph id="HE1B0BF764AEF47DC934CF136925FF594"><enum>(2)</enum><header>Eligible entity</header><text>The term <term>eligible entity</term> means an entity described in subsection (c)(2) of section 23.</text></paragraph><paragraph id="H928CFDBA57FB40C0902F3E3F9A7ACA9C"><enum>(3)</enum><header>Pilot program</header><text>The term <term>pilot program</term> means the pilot program established under this section.</text></paragraph><paragraph id="H684E60E342D64AB38C5F41230DC18B65"><enum>(4)</enum><header>Welfare assistance</header><text>The term <term>welfare assistance</term> has the meaning given the term in section 984.103 of title 24, Code of Federal Regulations, or any successor regulation.</text></paragraph></subsection><subsection id="H7617EC689D244BE290CF8DB02431D292"><enum>(b)</enum><header>Program establishment</header><text display-inline="yes-display-inline">The Secretary shall, not later than 1 year after the date of the enactment of this section, establish a pilot program under which the Secretary shall select not more than 25 eligible entities to establish and manage escrow accounts for not more than a total of 5,000 covered families, in accordance with this section.</text></subsection><subsection id="HC1E531AA5B7E425193280C2E018A9D83"><enum>(c)</enum><header>Escrow accounts</header><paragraph id="H69032FB7BCC44A44BE5745496208E868"><enum>(1)</enum><header>In general</header><text display-inline="yes-display-inline">An eligible entity selected to participate in the pilot program—</text><subparagraph id="H87F33907C66C43B8ABA2A99706FA58E9"><enum>(A)</enum><text display-inline="yes-display-inline">shall establish an interest-bearing escrow account and place into the account an amount equal to any increase in the amount of rent paid by each covered family in accordance with the provisions of section 3, 8(o), or 8(y), as applicable, that is attributable to increases in earned income by the covered family during the participation of such covered family in the pilot program; and</text></subparagraph><subparagraph id="H7E1A1BB892BD48E5A2A499E8E40E18AD"><enum>(B)</enum><text display-inline="yes-display-inline">notwithstanding any other provision of law, may use existing funds made available to such entity at any time under section 8 or 9 for the purposes of making the escrow deposit for a covered family assisted under, or residing in a unit assisted under, section 8 or 9 provided that such amounts are offset by the increase in the amount of rent paid by the covered family.</text></subparagraph></paragraph><paragraph id="HF68D87CC00D8401CA65AD3E3D5A7B3B3"><enum>(2)</enum><header>Withdrawals</header><text display-inline="yes-display-inline">A covered family may withdraw funds, including any interest earned, from an escrow account established by an eligible entity under the pilot program for such covered family—</text><subparagraph id="HDBFA2A15DEDA4E00993B7D32B2D7D0A4"><enum>(A)</enum><text display-inline="yes-display-inline">after the covered family ceases to receive welfare assistance; and</text></subparagraph><subparagraph id="H102ABBF6064D410697E8C244F0B63CB2"><enum>(B)</enum><clause commented="no" display-inline="yes-display-inline" id="H9D881177C6A942FCADDC3CA23F942B3E"><enum>(i)</enum><text display-inline="yes-display-inline">not earlier than the date that is 5 years after the date on which the eligible entity establishes the escrow account under this subsection;</text></clause><clause id="H123537920B7945F79BBFC2515EC9E731" indent="up1"><enum>(ii)</enum><text>not later than the date that is 7 years after the date on which the eligible entity establishes the escrow account under this subsection, if the covered family chooses to continue to participate in the pilot program after the date that is 5 years after the date on which the eligible entity establishes the escrow account;</text></clause><clause id="HEFFD8F01010647AF8BF9DA39210D34A3" indent="up1"><enum>(iii)</enum><text>on the date the covered family ceases to receive housing assistance under section 8 or 9, if such date is earlier than 5 years after the date on which the eligible entity establishes the escrow account;</text></clause><clause id="H7A9C06EDA1B847AA8FFED23D56466B2D" indent="up1"><enum>(iv)</enum><text>earlier than 5 years after the date on which the eligible entity establishes the escrow account, if the covered family is using the funds to advance a self-sufficiency goal as approved by the eligible entity; or</text></clause><clause id="HB238EAA0F5D148F6A5917CA492C987E0" indent="up1"><enum>(v)</enum><text display-inline="yes-display-inline">under other circumstances for good cause as determined by the Secretary.</text></clause></subparagraph></paragraph><paragraph id="HC1353450036A4C86A66F9829E2A3AA0C"><enum>(3)</enum><header>Interim recertification</header><text display-inline="yes-display-inline">For the purposes of the pilot program established under this section, a covered family shall recertify the income of such family not less than once each year.</text></paragraph><paragraph id="H4E049E3CE87E4AD29E4B87A7F16FB63C"><enum>(4)</enum><header>Contract or plan</header><text display-inline="yes-display-inline">An eligible entity may not require a covered family to—</text><subparagraph id="HF0768BDC944F4023BAF656FD576AB9C8"><enum>(A)</enum><text>complete a contract that requires the participation of the covered family in the pilot program established under this section; or</text></subparagraph><subparagraph id="H4EFC1A1F080741B88C8320313FDF8576"><enum>(B)</enum><text display-inline="yes-display-inline">participate in any individual training or services plan as a condition for participating in the pilot program.</text></subparagraph></paragraph></subsection><subsection id="H0908533F73F14F6A8C82728FCF0BEAFE" display-inline="no-display-inline"><enum>(d)</enum><header>Effect of increases in family income</header><text display-inline="yes-display-inline">The amount equal to any increase in the earned income of a covered family from the date of enrollment of the covered family in the pilot program established under this section through the date all funds are withdrawn from the escrow account established for such family under this section may not be considered as income or a resource for purposes of eligibility of the covered family for other benefits, or amount of benefits payable to the family, under any program administered by the Secretary.</text></subsection><subsection id="HBF7DF202AA4149869AF7EC86BD6B0548"><enum>(e)</enum><header>Application</header><paragraph id="H08BAC69E686440E39789478E5998FAE0"><enum>(1)</enum><header>In general</header><text display-inline="yes-display-inline">An eligible entity seeking to participate in the pilot program shall submit to the Secretary an application—</text><subparagraph id="H57742B9DC53A4B2399C59E2E15F2E536"><enum>(A)</enum><text display-inline="yes-display-inline">at such time, in such manner, and containing such information as the Secretary may require by notice; and</text></subparagraph><subparagraph id="HA31DC224931A4931A09F11C0CE61FA6B"><enum>(B)</enum><text>that includes the number of covered families to which the eligible entity intends to provide escrow accounts under this section.</text></subparagraph></paragraph><paragraph id="H0701DB36FCC746F69D6C76AABEF08E1A"><enum>(2)</enum><header>Geographic and entity variety</header><text display-inline="yes-display-inline">The Secretary shall ensure that eligible entities selected to participate in the pilot program—</text><subparagraph id="H91EF097F50E2467FA562DA83408D7F63"><enum>(A)</enum><text display-inline="yes-display-inline">are located across various States and in both urban and rural areas; and</text></subparagraph><subparagraph id="H8692A42BD29B4E01B4F2DB553318A54F"><enum>(B)</enum><text>vary by size and type, including both public housing agencies and private owners of projects receiving project-based rental assistance under section 8.</text></subparagraph></paragraph></subsection><subsection id="HBEB5E616BAE44CB89ED7AAF0D16DFF62"><enum>(f)</enum><header>Notification and opt-out</header><text display-inline="yes-display-inline">An eligible entity participating in the pilot program shall—</text><paragraph id="H1D9D9F06C01B4FB2BE42EBC8B6EDBB96"><enum>(1)</enum><text display-inline="yes-display-inline">notify each covered family of their enrollment in the pilot program;</text></paragraph><paragraph id="H45A55B4490AF4D3A8EAA8A557D427FFF"><enum>(2)</enum><text>provide each covered family with a detailed description of the pilot program, including how the pilot program will impact their rent and finances;</text></paragraph><paragraph id="HD4644036830140B297F74DC02CB20671"><enum>(3)</enum><text>inform each covered family that the family may not simultaneously participate in the pilot program and the Family Self-Sufficiency program under this section; and</text></paragraph><paragraph id="H901C0D7FF8664F4EB3599237A73684DB"><enum>(4)</enum><text>provide each covered family with the ability to elect not to participate in the pilot program—</text><subparagraph id="H3C891C637BD6400EB67099D355874927"><enum>(A)</enum><text>not less than 2 weeks before the date on which the escrow account is established under subsection (c); and</text></subparagraph><subparagraph id="HE9F01A6CC1974881BB62992DFBD4B147"><enum>(B)</enum><text>at any point during the duration of the pilot program.</text></subparagraph></paragraph></subsection><subsection id="H3B013FEA9BE340DC91682374F895501D"><enum>(g)</enum><header>Maximum rents</header><text display-inline="yes-display-inline">During the term of participation by a covered family in the pilot program, the amount of rent paid by the covered family shall be calculated under the section 3 or 8(o), as applicable.</text></subsection><subsection id="H7E81BA0FC40D456FA5DE06A80EF1460E"><enum>(h)</enum><header>Pilot program timeline</header><paragraph id="HBF0C759326984C97ADF344E3CD81A2EC"><enum>(1)</enum><header>Awards</header><text display-inline="yes-display-inline">Not later than 18 months after the date of enactment of this section, the Secretary shall select the eligible entities to participate in the pilot program.</text></paragraph><paragraph id="H0449B1FB57E24CF2A5A894A723A1CD07"><enum>(2)</enum><header>Establishment and terms of accounts</header><text display-inline="yes-display-inline">An eligible entity selected to participate in the pilot program shall—</text><subparagraph id="H29C59F1FAADD485C9DB5B70DF917C89D"><enum>(A)</enum><text>not later than 6 months after selection, establish escrow accounts under subsection (c) for covered families; and</text></subparagraph><subparagraph id="H3EC2858E2A7945998D20A18C2682F912"><enum>(B)</enum><text display-inline="yes-display-inline">maintain those escrow accounts for not less than 5 years, or until the date the family ceases to receive assistance under section 8 or 9, and, at the discretion of the covered family, not more than 7 years after the date on which the escrow account is established.</text></subparagraph></paragraph></subsection><subsection id="H1C6744752FC149DFB8408B77053725B1"><enum>(i)</enum><header>Nonparticipation and housing assistance</header><paragraph id="HA029A19FA5534EAA8AC93EC87392D272"><enum>(1)</enum><header>In general</header><text display-inline="yes-display-inline">A family that elects not to participate in the pilot program may not be delayed or denied assistance under section 8 or 9 for reason of such election.</text></paragraph><paragraph id="HC3941E73A7C04FEB91A48B7245E0EB24"><enum>(2)</enum><header>No termination</header><text display-inline="yes-display-inline">Housing assistance may not be terminated as a consequence of participating, or not participating, in the pilot program under this section for any period of time.</text></paragraph></subsection><subsection id="H8BE4AFFACBBF4BF7B9B23D031897EDFA"><enum>(j)</enum><header>Study</header><text display-inline="yes-display-inline">Not later than 8 years after the date the Secretary selects eligible entities to participate in the pilot program under this section, the Secretary shall conduct a study and submit to the Committee on Banking, Housing, and Urban Affairs of the Senate and the Committee on Financial Services of the House of Representatives a report on outcomes for covered families that participated in the pilot program, which shall evaluate the effectiveness of the pilot program in assisting families to achieve economic independence and self-sufficiency, and the impact coaching and supportive services, or the lack thereof, had on individual incomes.</text></subsection><subsection id="HBD24309E6A2E4BEE93E435AE34484CE6"><enum>(k)</enum><header>Waivers</header><text display-inline="yes-display-inline">The Secretary may, upon the written request of an eligible entity receiving amounts under this section, waive requirements under this section that relate to the administration of the pilot program for the eligible entity that submitted the request if such waiver would allow such eligible entity to effectively administer the pilot program and make the required escrow account deposits under this section. </text></subsection><subsection id="H0A3D473D963D4B529FE26F3C396EB0EA"><enum>(l)</enum><header>Termination</header><text display-inline="yes-display-inline">The pilot program established under this section shall terminate on the date that is 10 years after the date of enactment of this section.</text></subsection></section><after-quoted-block>.</after-quoted-block></quoted-block></section><section id="H0E4DFBF5FF824BAA870CA5D61A488182"><enum>405.</enum><header>Reforms to housing counseling and financial literacy programs</header><subsection id="HB213B751FF4F4E378709A3D621EE9F3B"><enum>(a)</enum><header>In general</header><text>Section 106 of the Housing and Urban Development Act of 1968 (<external-xref legal-doc="usc" parsable-cite="usc/12/1701x">12 U.S.C. 1701x</external-xref>) is amended—</text><paragraph id="H6C2F0CF2794B4FDBA05CFDBFACC17FF6"><enum>(1)</enum><text>in subsection (a)(4)(C), by striking <quote>adequate distribution</quote> and all that follows through <quote>foreclosure rates</quote> and inserting <quote>that the recipients are geographically diverse and include organizations that serve urban or rural areas</quote>;</text></paragraph><paragraph id="HBD6B7CC906A943F48A42579436E0AF71"><enum>(2)</enum><text>in subsection (e), by adding at the end the following:</text><quoted-block id="H3E287CF878DC41B88154F35042F22D4D" style="OLC" changed="added" reported-display-style="italic" committee-id="HBA00"><paragraph id="HC69CEF1D27E646BB95889AC15180C202"><enum>(6)</enum><header>Performance review</header><text>The Secretary—</text><subparagraph id="HCD00D3C0ACCE4636AB005D5AAFF08109"><enum>(A)</enum><text>may conduct periodic reviews; and</text></subparagraph><subparagraph id="H19C6611C71BC49729E2BFB0E05AE9CAD"><enum>(B)</enum><text display-inline="yes-display-inline">shall conduct performance reviews of all organizations receiving assistance under this section that—</text><clause id="H5EEA1006961A46FC97CF83B48CC4A6CF"><enum>(i)</enum><text display-inline="yes-display-inline">consist of a review of the organization’s or entity’s compliance with all program requirements; and</text></clause><clause id="HB18F6CE789E04780BFB9B893EACFED0D"><enum>(ii)</enum><text display-inline="yes-display-inline">may take into account the organization’s or entity’s aggregate counselor performance under paragraph (7)(B).</text></clause></subparagraph></paragraph><paragraph id="HED59CE9E102646DCA6C9149516FC3E32"><enum>(7)</enum><header>Considerations</header><subparagraph id="H14692474966246AE88A22B9E264F7B71"><enum>(A)</enum><header>Covered mortgage loan defined</header><text>In this paragraph, the term <term>covered mortgage loan</term> means any loan which is secured by a first or subordinate lien on residential real property (including individual units of condominiums and cooperatives) designed principally for the occupancy of between 1 and 4 families that is—</text><clause id="H3629DAC8E0BE4E688ACA50841527D054"><enum>(i)</enum><text>insured by the Federal Housing Administration under title II of the National Housing Act (<external-xref legal-doc="usc" parsable-cite="usc/12/1707">12 U.S.C. 1707 et seq.</external-xref>); or</text></clause><clause id="H7A5CA4D7AC1041A58E522EB57D5B3AF3"><enum>(ii)</enum><text>guaranteed under section 184 or 184A of the Housing and Community Development Act of 1992 (12 U.S.C. 1715z–13a, 1715z–13b).</text></clause></subparagraph><subparagraph id="H78ED87FE8F9745AE9A2EBC75491E489D"><enum>(B)</enum><header>Comparison</header><text>For each counselor employed by an organization receiving assistance under this section for pre-purchase housing counseling, the Secretary may consider the performance of the counselor compared to the default rate of all counseled borrowers of a covered mortgage loan in comparable markets and such other factors as the Secretary determines appropriate to further the purposes of this section.</text></subparagraph></paragraph><paragraph id="H1472F6BD6757403DBA61DF525A48436A"><enum>(8)</enum><header>Certification</header><text>If, based on the comparison required under paragraph (7)(B), the Secretary determines that a counselor lacks competence to provide counseling in the areas described in subsection (e)(2) and such action will not create a significant loss of capacity for housing counseling services in the service area, the Secretary may—</text><subparagraph id="HA6050EF8537D4F27B9D712767FD40EC5"><enum>(A)</enum><text>require continued education coupled with successful completion of a probationary period;</text></subparagraph><subparagraph id="HF04EE114C61E4F30BA14FEA3CDEFDFF0"><enum>(B)</enum><text>require retesting if the counselor continues to demonstrate a lack of competence under paragraph (7)(B); and</text></subparagraph><subparagraph id="HC256A272B678461AA3D51FF6090D3B79"><enum>(C)</enum><text>suspend an individual certification if a counselor fails to demonstrate competence after not fewer than 2 retesting opportunities under subparagraph (B).</text></subparagraph></paragraph><after-quoted-block>;</after-quoted-block></quoted-block></paragraph><paragraph id="H38BF3B8077C54F65AD6AE0A8399F3951"><enum>(3)</enum><text>in subsection (i)—</text><subparagraph id="H9B7235BDC71F4F10A5CFC4E2EF1B71C3"><enum>(A)</enum><text>by redesignating paragraph (3) as paragraph (4); and</text></subparagraph><subparagraph id="H417D337CD5794393893FE3ADE4B8E910"><enum>(B)</enum><text>by inserting after paragraph (2) the following:</text><quoted-block id="H79373A2159344B3C9F7E6A1477E01B31" style="OLC" changed="added" reported-display-style="italic" committee-id="HBA00"><paragraph id="H456DB248641B452C9D55E147C7CA1DE4"><enum>(3)</enum><header>Termination of assistance</header><subparagraph id="H5B2203C634E04FE2850082DD0C540E29"><enum>(A)</enum><header>In general</header><text>The Secretary may deny renewal of covered assistance to an organization or entity receiving covered assistance if the Secretary determines that the organization or entity, or the individual through which the organization or entity provides counseling, is not in compliance with program requirements—</text><clause id="HE3946B1751EA493DBF115696F011256D"><enum>(i)</enum><text>based on the performance review described in subsection (e)(6); and</text></clause><clause id="HBC08A57D299042F3A69CCD7CAD7E9479"><enum>(ii)</enum><text>in accordance with existing regulations issued by the Secretary.</text></clause></subparagraph><subparagraph id="H074102C99E304F6A9A7BC1F94188269A"><enum>(B)</enum><header>Notice</header><text>The Secretary shall give an organization or entity receiving covered assistance not less than 60 days prior written notice of any denial of renewal under this paragraph, and the determination of renewal shall not be finalized until the end of that notice period.</text></subparagraph><subparagraph id="H52AC3B223E9949FFABB9D8E41FCC6F12"><enum>(C)</enum><header>Informal conference</header><text>If requested in writing by the organization or entity within the notice period described in subparagraph (B), the organization or entity shall be entitled to an informal conference with the Deputy Assistant Secretary of Housing Counseling on behalf of the Secretary at which the organization or entity may present for consideration specific factors that the organization or entity believes were beyond the control of the organization or entity and that caused the failure to comply with program requirements, such as a lack of lender or servicer coordination or communication with housing counseling agencies and individual counselors.</text></subparagraph></paragraph><after-quoted-block>; and</after-quoted-block></quoted-block></subparagraph></paragraph><paragraph id="H8833F0E430664C8E924EB50EC0EA19EF"><enum>(4)</enum><text>by adding at the end the following:</text><quoted-block id="HCA1259C324BC42DDAEA47FA31A74895A" style="OLC" changed="added" reported-display-style="italic" committee-id="HBA00"><subsection id="HA4253CDAD68E475D9F11A463756AF91D"><enum>(j)</enum><header>Offering foreclosure mitigation counseling</header><paragraph id="HD89FADA9094E45678C27C3FE19D82CD8"><enum>(1)</enum><header>Covered mortgage loan defined</header><text>In this subsection, the term <term>covered mortgage loan</term> means any loan which is secured by a first or subordinate lien on residential real property (including individual units of condominiums and housing cooperatives) or stock or membership in a cooperative ownership housing corporation designed principally for the occupancy of between 1 and 4 families that is—</text><subparagraph id="HCE1E1D45C056486389AD62ECF6351739"><enum>(A)</enum><text>insured by the Federal Housing Administration under title II of the National Housing Act (<external-xref legal-doc="usc" parsable-cite="usc/12/1707">12 U.S.C. 1707 et seq.</external-xref>);</text></subparagraph><subparagraph id="H4F9E87D41B054531BBF3E2EAF2BC0993"><enum>(B)</enum><text>guaranteed under section 184 or 184A of the Housing and Community Development Act of 1992 (12 U.S.C. 1715z–13a, 1715z–13b);</text></subparagraph><subparagraph id="HA92D148F9E444A5D9760C151D5322F1B"><enum>(C)</enum><text>made, guaranteed, or insured by the Department of Veterans Affairs; or</text></subparagraph><subparagraph id="H2AF25C2A931740E9A00AC1A36E75DEC5"><enum>(D)</enum><text>made, guaranteed, or insured by the Department of Agriculture.</text></subparagraph></paragraph><paragraph id="HA718B98E26F743619CE8CF46508E9781"><enum>(2)</enum><header>Opportunity for borrowers</header><text>A borrower with respect to a covered mortgage loan who is 30 days or more delinquent on payments for the covered mortgage loan shall be given an opportunity to participate in available housing counseling.</text></paragraph><paragraph id="HE3E6EA0CE27A4DE8993C55B3FB86F957"><enum>(3)</enum><header>Cost</header><text>If the requirements of sections 202(a)(3) and 205(f) of the National Housing Act (<external-xref legal-doc="usc" parsable-cite="usc/12/1708">12 U.S.C. 1708(a)(3)</external-xref>, 1711(f)) are met, the fair market rate cost of counseling for delinquent borrowers described in paragraph (2) with respect to a covered mortgage loan described in paragraph (1)(A) shall be paid for by the Mutual Mortgage Insurance Fund, as authorized under section 203(r)(4) of the National Housing Act (<external-xref legal-doc="usc" parsable-cite="usc/12/1709">12 U.S.C. 1709(r)(4)</external-xref>).</text></paragraph></subsection><after-quoted-block>.</after-quoted-block></quoted-block></paragraph></subsection></section><section id="H0946EF8FF0E44E69ACEBC5171E7A46AF"><enum>406.</enum><header>Establishment of eviction helpline</header><subsection id="HEA3F426C966B45BBA5F5FDB995BF3407" display-inline="no-display-inline"><enum>(a)</enum><header>In general</header><text display-inline="yes-display-inline">The Secretary of Housing and Urban Development shall, not later than 1 year after the date of the enactment of this Act—</text><paragraph id="H6BD5C6EA8F2B4B17AF88766C042608AC"><enum>(1)</enum><text>establish a hotline to provide tenants of covered federally assisted rental dwelling units with counseling, resources, and referrals to available assistance relating to eviction-related matters; and</text></paragraph><paragraph id="HF66BF4C0BB894A119CDC5605D9BFF7B9"><enum>(2)</enum><text display-inline="yes-display-inline">provide information about such hotline to tenants of covered federally assisted rental dwelling units by publishing information about such hotline in common areas of each federally assisted rental dwellings and through other means determined appropriate by the Secretary.</text></paragraph></subsection><subsection id="H8CDCDD82693C4F40A68D9646FD654070"><enum>(b)</enum><header>Definitions</header><text display-inline="yes-display-inline">In this section:</text><paragraph id="H4CD8C8D7E5564261AA461013C6DA9929" display-inline="no-display-inline"><enum>(1)</enum><header>Assistance</header><text>The term <term>assistance</term> means any grant, loan, subsidy, contract, cooperative agreement, or other form of financial assistance, but such term does not include the insurance or guarantee of a loan, mortgage, or pool of loans or mortgages.</text></paragraph><paragraph id="H9A0754F556164E9A976B83B1F9B912F8" display-inline="no-display-inline"><enum>(2)</enum><header>Covered federally assisted rental dwelling unit</header><text>The term <term>covered federally assisted rental dwelling unit</term> means a residential dwelling unit—</text><subparagraph id="H1A54208E95FC4533AF4AF0B0E51EF9B6"><enum>(A)</enum><text display-inline="yes-display-inline">that is made available for rental; and</text></subparagraph><subparagraph id="H5A2DF9D368DC4F30955C04FCE60A1969"><enum>(B)</enum><clause commented="no" display-inline="yes-display-inline" id="HBEE354872E9343C5962B6D564962D66C"><enum>(i)</enum><text>for which assistance is provided, or that is part of a housing project for which assistance is provided, under any program administered by the Secretary of Housing and Urban Development, including—</text><subclause id="HBC14C4590C0E4464BF7EB678B777D01D" indent="up1"><enum>(I)</enum><text>the public housing program under the United States Housing Act of 1937 (<external-xref legal-doc="usc" parsable-cite="usc/42/1437">42 U.S.C. 1437 et seq.</external-xref>);</text></subclause><subclause id="HF9FE4C7C97314C45BE0DE208B8557FA3" indent="up1"><enum>(II)</enum><text>the program for rental assistance under section 8 of the United States Housing Act of 1937 (<external-xref legal-doc="usc" parsable-cite="usc/42/1437f">42 U.S.C. 1437f</external-xref>);</text></subclause><subclause id="H3A7E43D6ECCE4069A3590BA04F1264DB" indent="up1"><enum>(III)</enum><text>the HOME Investment Partnerships program under title II of the Cranston-Gonzalez National Affordable Housing Act (<external-xref legal-doc="usc" parsable-cite="usc/42/12721">42 U.S.C. 12721 et seq.</external-xref>);</text></subclause><subclause id="H9FA1ABBB44A14A34824CDE3715944A30" indent="up1"><enum>(IV)</enum><text>title IV of the McKinney-Vento Homeless Assistance Act (<external-xref legal-doc="usc" parsable-cite="usc/42/11360">42 U.S.C. 11360 et seq.</external-xref>);</text></subclause><subclause id="HECDF35F2837341E595BD97D859CBC062" indent="up1"><enum>(V)</enum><text>the Housing Trust Fund program under section 1338 of the Housing and Community Development Act of 1992 (<external-xref legal-doc="usc" parsable-cite="usc/12/4568">12 U.S.C. 4568</external-xref>);</text></subclause><subclause id="H5BD3517B0C68453E8E79A7F63378A8AB" indent="up1"><enum>(VI)</enum><text>the program for supportive housing for the elderly under section 202 of the Housing Act of 1959 (<external-xref legal-doc="usc" parsable-cite="usc/12/1701q">12 U.S.C. 1701q</external-xref>);</text></subclause><subclause id="HA59434F86E024FDAB3BFFDDD55C3210C" indent="up1"><enum>(VII)</enum><text>the program for supportive housing for persons with disabilities under section 811 of the Cranston-Gonzalez National Affordable Housing Act (<external-xref legal-doc="usc" parsable-cite="usc/42/8013">42 U.S.C. 8013</external-xref>);</text></subclause><subclause id="H19FACDECB34545CEB047F957D4ED4DA7" indent="up1"><enum>(VIII)</enum><text>the AIDS Housing Opportunities program under subtitle D of title VIII of the Cranston-Gonzalez National Affordable Housing Act (<external-xref legal-doc="usc" parsable-cite="usc/42/12901">42 U.S.C. 12901 et seq.</external-xref>);</text></subclause><subclause id="H3292A58DA01F4822B069F0C002FE8641" indent="up1"><enum>(IX)</enum><text>the program for Native American housing under the Native American Housing Assistance and Self-Determination Act of 1996 (<external-xref legal-doc="usc" parsable-cite="usc/25/4101">25 U.S.C. 4101 et seq.</external-xref>); and</text></subclause><subclause id="HEFE7D8A68A0D408CB96B56B9DBD007E0" indent="up1"><enum>(X)</enum><text>the program for housing assistance for Native Hawaiians under title VIII of the Native American Housing Assistance and Self-Determination Act of 1996 (<external-xref legal-doc="usc" parsable-cite="usc/25/4221">25 U.S.C. 4221 et seq.</external-xref>); or</text></subclause></clause><clause id="H19AAC9DCC64042FE87B550D818307D79" indent="up1"><enum>(ii)</enum><text>that is a property, or is on or in a property, that has a federally backed mortgage loan or federally backed multifamily mortgage loan, as such terms are defined in section 4024(a) of the CARES Act (<external-xref legal-doc="usc" parsable-cite="usc/15/9058">15 U.S.C. 9058(a)</external-xref>).</text></clause></subparagraph></paragraph></subsection></section><section id="H2D55B0FADFF74A049AC9B0235CDFE885"><enum>407.</enum><header>Temperature Sensor pilot program</header><subsection id="H0247CD61E744476F9F08F7F9D3D3A4E9"><enum>(a)</enum><header>In general</header><text display-inline="yes-display-inline">The Secretary of Housing and Urban Development shall establish a temperature sensor 3-year pilot program to provide grants to public housing agencies and owners of covered federally assisted rental dwelling units to acquire, install, and test the efficacy of approved temperature sensors in residential dwelling units to ensure such units remain in compliance with temperature requirements. </text></subsection><subsection id="HA1D411F3DAB040DBAD5CD5255F6E1D72"><enum>(b)</enum><header>Eligibility</header><paragraph id="H33E62B9E8D4D405DA65F59AD983FB471" commented="no"><enum>(1)</enum><header>In general</header><text display-inline="yes-display-inline">The Secretary shall, not later than 180 days after the date of the enactment of this Act, establish eligibility criteria for public housing agencies and owners of covered federally assisted rental dwelling units to participate in the pilot program established pursuant to subsection (a). </text></paragraph><paragraph id="H41F3F1E82C774A38B09586EF067DE034"><enum>(2)</enum><header>Criteria</header><text>In establishing the eligibility criteria described in paragraph (1), the Secretary shall ensure—</text><subparagraph id="HA32ECA41DD204A0AB88EFB2374438CD4"><enum>(A)</enum><text>the pilot program includes a diverse range of participants that represent different geographic regions, climate regions, unit sizes, and types of housing; and</text></subparagraph><subparagraph id="HCDEBAA38DFD24013861F0184DF39AB88"><enum>(B)</enum><text>that the functionality of an approved temperature sensor will be installed and tested using amounts awarded under this section, including internet connectivity requirements. </text></subparagraph></paragraph></subsection><subsection id="H3B4D03C35798486590F9068E74EEA82E"><enum>(c)</enum><header>Installation</header><text display-inline="yes-display-inline">Each public housing agency or owner of a covered federally assisted rental dwelling unit that acquires 1 or more approved temperature sensors under this section shall, after receiving written permission from the resident of a dwelling unit, install such temperature sensor and monitor the data from such temperature sensor.</text></subsection><subsection id="HE4C4962D4BBC449AAD72437F1176A7BA"><enum>(d)</enum><header>Collection of complaint records</header><paragraph id="HB6F3B0AB02ED403C8EAC3175B5A0C4B5"><enum>(1)</enum><header>In general</header><text>Each public housing agency or owner of a covered federally assisted rental dwelling unit that installs 1 or more approved temperature sensors under this section shall collect and retain information about temperature-related complaints and violations.</text></paragraph><paragraph id="H06C1584269E94F91BC9D27D9CC71A285"><enum>(2)</enum><header>Definitions</header><text>The Secretary shall, not later than 180 days after the date of the enactment of this Act, define the terms <quote>temperature-related complaints</quote> and <quote>temperature-related violations</quote> for the purposes of this section. </text></paragraph></subsection><subsection id="HCDAED2B29044492F9ECDD3DC625BC01D"><enum>(e)</enum><header>Data collection</header><paragraph id="HF114E8B77D044520876076D814AF8FDD"><enum>(1)</enum><header>In general</header><text display-inline="yes-display-inline">Data collected from temperature sensors acquired and installed by public housing agencies and owners of covered federally assisted rental dwelling units under this section shall be retained until the Secretary notifies the public housing agency or owner that the pilot program and the evaluation of the pilot program are complete.</text></paragraph><paragraph id="HC7E7228E71F74AF38CD1A4C2F3AD5E8B"><enum>(2)</enum><header>Personally identifiable information</header><text>The Secretary shall, not later than 180 days after the date of the enactment of this Act, establish standards for the protection of personally identifiably information collected during the pilot program by public housing agencies, owners of federally assisted rental dwelling units, and the Secretary.</text></paragraph></subsection><subsection id="HFDAD53BB121F4348ADA26D25FAEDD423"><enum>(f)</enum><header>Pilot program evaluation</header><paragraph id="HE89283E0B62D4257B8D79B95677B310E"><enum>(1)</enum><header>Interim evaluation</header><text display-inline="yes-display-inline">Not later than 12 months after the establishment of the pilot program under this section, the Secretary shall publicly publish and submit to the Congress a report that—</text><subparagraph id="H950DBFA28A134D8FBE3C24064D63D7F7"><enum>(A)</enum><text display-inline="yes-display-inline">examines the number of temperature-related complaints and violations in federally assisted rental dwelling units with temperature sensors, disaggregated by temperature sensor technology and climate region—</text><clause id="H4D5FB4EDE83D423C9E76F24FFC370AA2"><enum>(i)</enum><text>that occurred before the installation of such sensor, if known; and</text></clause><clause id="HDEB57325C96B4F82A4EA857EAFBAD138"><enum>(ii)</enum><text>that occurred after the installation of such sensor; and</text></clause></subparagraph><subparagraph id="HCE687A0577034036883EC0A6EAB3BA34"><enum>(B)</enum><text display-inline="yes-display-inline">identifies any barriers to full utility of temperature sensor capabilities, including broadband internet access and tenant participation.</text></subparagraph></paragraph><paragraph id="H838686BDE2E94AC185F0B1C86792EBAC"><enum>(2)</enum><header>Final evaluation</header><text display-inline="yes-display-inline">Not later than 36 months after the conclusion of the pilot program established by the Secretary under this section, the Secretary shall publicly publish and submit to the Congress a report that—</text><subparagraph id="HB088F0D68E5F4B62861D96F4EDFA8404"><enum>(A)</enum><text display-inline="yes-display-inline">examines the number of temperature-related complaints and violations in federally assisted rental dwelling units with temperature sensors, disaggregated by temperature sensor technology and climate region—</text><clause id="H4A18A966428342C0B30EE1C333751B5F"><enum>(i)</enum><text>that occurred before the installation of such sensor; and</text></clause><clause id="HE7BE500D80D049EC8190A98B8FCF4015"><enum>(ii)</enum><text>that occurred after the installation of such sensor;</text></clause></subparagraph><subparagraph id="H06126DBA50B8435ABF0B30C72FF20523"><enum>(B)</enum><text display-inline="yes-display-inline">identifies any barriers to full utility of temperature sensor capabilities, including broadband internet access and tenant participation; and</text></subparagraph><subparagraph id="H574B954EC98240C1965BFF6B1818E193"><enum>(C)</enum><text display-inline="yes-display-inline">compares the utility of various temperature sensor technologies based on—</text><clause id="H22F5DED238244BD3B168A5E494FF6B07"><enum>(i)</enum><text>climate zones;</text></clause><clause id="H839D387FAB834D7284494C3D4D39E465"><enum>(ii)</enum><text>cost;</text></clause><clause id="H3336657F60CD41A392A93A0AD9F78909"><enum>(iii)</enum><text>features; and</text></clause><clause id="H63003C8B477A4A96A209D4B0C81D2A64"><enum>(iv)</enum><text>any other factors identified by the Secretary. </text></clause></subparagraph></paragraph></subsection><subsection id="H219297F5030345F78D7539158282023C"><enum>(g)</enum><header>Definitions</header><text display-inline="yes-display-inline">For the purposes of this section:</text><paragraph id="H50928AA8DE104864AE28A390CDA11BA6"><enum>(1)</enum><header>Approved temperature sensor</header><text>The term <term>approved temperature sensor</term> means an internet capable temperature reporting device able to measure ambient air temperature to the tenth degree Fahrenheit and Celsius selected from a list of such devices approved in advance by the Secretary.</text></paragraph><paragraph id="H45A1151A31734DA7AC1D0A6926E3ECD8"><enum>(2)</enum><header>Assistance</header><text>The term <term>assistance</term> means any grant, loan, subsidy, contract, cooperative agreement, or other form of financial assistance, but such term does not include the insurance or guarantee of a loan, mortgage, or pool of loans or mortgages.</text></paragraph><paragraph id="HC910488CDA5E42AAA5DD6185D2B8BCCC"><enum>(3)</enum><header>Covered federally assisted rental dwelling unit</header><text display-inline="yes-display-inline">The term <term>covered federally assisted rental dwelling unit</term> means a residential dwelling unit that is made available for rental and for which assistance is provided, or that is part of a housing project for which assistance is provided, under—</text><subparagraph id="H38B9431C099949158AE2E345AA9B35B9"><enum>(A)</enum><text>the program for project-based rental assistance under section 8 of the United States Housing Act of 1937 (<external-xref legal-doc="usc" parsable-cite="usc/42/1437f">42 U.S.C. 1437f</external-xref>);</text></subparagraph><subparagraph id="H7CA6C35B8DF9412F9CA2B3C64BADBEB9"><enum>(B)</enum><text display-inline="yes-display-inline">the public housing program under the United States Housing Act of 1937 (<external-xref legal-doc="usc" parsable-cite="usc/42/1437">42 U.S.C. 1437 et seq.</external-xref>);</text></subparagraph><subparagraph id="HD60DE090196040149E7B4E8FCA7B0E01"><enum>(C)</enum><text display-inline="yes-display-inline">the program for supportive housing for the elderly under section 202 of the Housing Act of 1959 (<external-xref legal-doc="usc" parsable-cite="usc/12/1701q">12 U.S.C. 1701q</external-xref>); or</text></subparagraph><subparagraph id="HEFF47AE50310460FBC99A59A1E4CAEDF"><enum>(D)</enum><text>the program for supportive housing for persons with disabilities under section 811 of the Cranston-Gonzalez National Affordable Housing Act (<external-xref legal-doc="usc" parsable-cite="usc/42/8013">42 U.S.C. 8013</external-xref>).</text></subparagraph></paragraph><paragraph id="HF56D490AFB744641BCD60E04BED4B9B1"><enum>(4)</enum><header>Owner</header><text display-inline="yes-display-inline">The term <term>owner</term> means—</text><subparagraph id="H74A0246054974FD48CE3924D4F016ABC"><enum>(A)</enum><text display-inline="yes-display-inline">with respect to the program for project-based rental assistance under section 8 of the United States Housing Act of 1937 (<external-xref legal-doc="usc" parsable-cite="usc/42/1437f">42 U.S.C. 1437f</external-xref>), any private person or entity, including a cooperative, an agency of the Federal Government, or a public housing agency, having the legal right to lease or sublease dwelling units;</text></subparagraph><subparagraph id="H911307464194470AAD9CCBF1596A8DB9"><enum>(B)</enum><text display-inline="yes-display-inline">with respect to the public housing program under the United States Housing Act of 1937 (<external-xref legal-doc="usc" parsable-cite="usc/42/1437">42 U.S.C. 1437 et seq.</external-xref>), a public housing agency or an owner entity of public housing units as defined in section 905.108 of title 24, Code of Federal Regulations;</text></subparagraph><subparagraph id="H6F9690A17A6F40A39D77EEBFF322EAE7"><enum>(C)</enum><text display-inline="yes-display-inline">with respect to the program for supportive housing for the elderly under section 202 of the Housing Act of 1959 (<external-xref legal-doc="usc" parsable-cite="usc/12/1701q">12 U.S.C. 1701q</external-xref>), a private nonprofit organization as defined under section 202(k)(4) of the Housing Act of 1959; and</text></subparagraph><subparagraph id="H4BE43A0592F14EF6A75BB061AAE04D82"><enum>(D)</enum><text display-inline="yes-display-inline">with respect to the program for supportive housing for persons with disabilities under section 811 of the Cranston-Gonzalez National Affordable Housing Act (<external-xref legal-doc="usc" parsable-cite="usc/42/8013">42 U.S.C. 8013</external-xref>), a private nonprofit organization as defined under section 811(k)(5) of the Cranston-Gonzalez National Affordable Housing Act.</text></subparagraph></paragraph></subsection></section><section id="H7BEF100945DF4655B35400F59271DBF6"><enum>408.</enum><header>GAO studies</header><subsection id="HBCF9CB62B04A441686FCA77E110C252E" commented="no"><enum>(a)</enum><header>Report to Congress</header><text display-inline="yes-display-inline">Not later than 1 year after the date of the enactment of this Act, the Comptroller General of the United States shall carry out a study and submit to the Congress a report that identifies options to remove barriers and improve housing for persons who are elderly or disabled, including any potential impacts of providing capital advances for—</text><paragraph id="H239D26238C244F7996AF2591A8E8FD8C" commented="no"><enum>(1)</enum><text>the program for supportive housing for the elderly under section 202 of the Housing Act of 1959 (<external-xref legal-doc="usc" parsable-cite="usc/12/1701q">12 U.S.C. 1701q</external-xref>); and </text></paragraph><paragraph id="HA51A819B808E4C2CB0D4778E334B5530" commented="no"><enum>(2)</enum><text>the program for supportive housing for persons with disabilities under section 811 of the Cranston-Gonzalez National Affordable Housing Act (<external-xref legal-doc="usc" parsable-cite="usc/42/8013">42 U.S.C. 8013</external-xref>).</text></paragraph></subsection><subsection id="H7E979735DEF6466698A07E6EF62F2762"><enum>(b)</enum><header>GAO study to determine proximity of housing to Superfund sites</header><text display-inline="yes-display-inline">Not later than 1 year after the date of the enactment of this section, the Comptroller General of the United States shall carry out a study and submit to the Congress a report that identifies how many residential dwelling units, and how many dwelling units that are a part of public housing (as such term is defined in section 3(b) of the United States Housing Act of 1937 (<external-xref legal-doc="usc" parsable-cite="usc/42/1437a">42 U.S.C. 1437a(b)</external-xref>)), are located less than 1 mile from a site that is included on the National Priorities List established pursuant to section 105 of the Comprehensive Environmental Response, Compensation, and Liability Act of 1980 (<external-xref legal-doc="usc" parsable-cite="usc/42/9605">42 U.S.C. 9605</external-xref>).</text></subsection><subsection id="HCE083AD1156E42A7ABAD75976ED61A8F" commented="no"><enum>(c)</enum><header>Report to congress</header><text>Not later than 1 year after the date of the enactment of this Act, the Comptroller General of the United States shall carry out a study and submit to the Committee on Financial Services of the House of Representatives and the Committee on Banking, Housing, and Urban Affairs of the Senate a report that—</text><paragraph id="H42F97FF0B10A4F46823BB374EF8A274F" commented="no"><enum>(1)</enum><text>establishes a comprehensive definition of residential heirs property, or family land inherited without a will or legal documentation of ownership;</text></paragraph><paragraph id="H6C37536954BD4168AE7FDB41FB909F2B" commented="no"><enum>(2)</enum><text>examines the occurrence of and consequences to owners of residential heirs property, and provides an estimate regarding the number of current residential heirs properties;</text></paragraph><paragraph id="HACC135C98D3E497DAE6D3790378FB3E3" commented="no"><enum>(3)</enum><text>describes the objectives and requirements of the Uniform Partition of Heirs Property Act as approved by the National Conference of Commissioners on Uniform State Laws in 2010;</text></paragraph><paragraph id="HAAA449C390904B2BB8E327BC4B811A0F" commented="no"><enum>(4)</enum><text>details the various resources that may be available to the owners of residential heirs properties, including housing counseling, legal services, and financial assistance to resolve residential heirs property title issues from the Federal Government, nonprofits, and institutes of higher education; and</text></paragraph><paragraph id="H24AB0CE2B3E349BFB0C06DED6B1D6055" commented="no"><enum>(5)</enum><text>makes recommendations with respect to how to reduce the number of residential heirs properties, including—</text><subparagraph id="H295DF339980F4CF2A4C20D4638924598" commented="no"><enum>(A)</enum><text>by incentivizing States and other jurisdictions which enact or adopt the Uniform Partition of Heirs Property Act or similar such reforms;</text></subparagraph><subparagraph id="HC51FD081491642BC96FA84C6828115C7" commented="no"><enum>(B)</enum><text>by awarding grants to States and other jurisdictions to assist residents of such States and jurisdictions to establish and document property ownership rights or settle a decedent’s estate;</text></subparagraph><subparagraph id="H6BA8ED9D642C4739986A4902B2D1D2B5" commented="no"><enum>(C)</enum><text>by awarding grants to entities which provide housing counseling, legal assistance, and financial assistance to homeowners and their heirs relating to title clearing and home retention efforts of heirs’ property and which target services to low- and moderate-income persons or provide services in neighborhoods that have a high concentration of low- and moderate-income persons; and</text></subparagraph><subparagraph id="H4022524213E94ACA91B8C4B667D3EE8A" commented="no"><enum>(D)</enum><text>by conducting other activities that assist individuals to clear title with respect to heirs’ property and with general estate planning.</text></subparagraph></paragraph></subsection></section><enum>V</enum><header>Enhancing Oversight of Housing Providers</header><section id="H64D14D5F8AAC41298A5CC888FA13732B"><enum>501.</enum><header>Requirement to testify</header><text display-inline="no-display-inline">Section 7 of the Department of Housing and Urban Development Act (<external-xref legal-doc="usc" parsable-cite="usc/42/3535">42 U.S.C. 3535</external-xref>) is amended by adding at the end the following new subsection:</text><quoted-block style="OLC" id="H3A9F5F1504A44D9D999604B1EA9BD9AB" display-inline="no-display-inline" changed="added" reported-display-style="italic" committee-id="HBA00"><subsection id="H5455EBE435DD4A14993D64ED9A0ABB08"><enum>(u)</enum><header>Annual testimony</header><text display-inline="yes-display-inline">The Secretary shall appear before the Committee on Financial Services of the House of Representatives and the Committee on Banking, Housing, and Urban Affairs of the Senate at an annual hearing and present testimony regarding the operations of the Department during the preceding year, including—</text><paragraph id="HFA2796C2023246F787A5FD3A5071ACD9"><enum>(1)</enum><text display-inline="yes-display-inline">the current programs and operations of the Department;</text></paragraph><paragraph id="H3A0B3D2A73AC441FBF46083A282E885A"><enum>(2)</enum><text>the physical condition of all public housing and other housing assisted by the Department;</text></paragraph><paragraph id="HA582A929880A4E90B847333E5F140628"><enum>(3)</enum><text>the financial health of the mortgage insurance funds of the Federal Housing Agency;</text></paragraph><paragraph id="HDC6E535A3ECE4713B1813316670458E0"><enum>(4)</enum><text display-inline="yes-display-inline">oversight by the Department of grantees and subgrantees for purposes of preventing waste, fraud, and abuse;</text></paragraph><paragraph id="H0F2EBC9C0A724ADCAD24E9F7901E4506"><enum>(5)</enum><text display-inline="yes-display-inline">the progress made by the Federal Government in ending the affordable housing and homelessness crises; </text></paragraph><paragraph id="HB6E6D34B3BCB469B90CEDBF83038C5D4"><enum>(6)</enum><text display-inline="yes-display-inline">the capacity of the Department to deliver on its statutory mission; and</text></paragraph><paragraph id="H547B270CB943430EB1EC38A7033187DB"><enum>(7)</enum><text>other ongoing activities of the Department, as appropriate.</text></paragraph></subsection><after-quoted-block>.</after-quoted-block></quoted-block></section><section id="H5EE3C84BC06E464C83C9C935CFF3B849"><enum>502.</enum><header>Improving public housing agency accountability</header><subsection id="H7FD048505C5244B8A3205D3548AF257D"><enum>(a)</enum><header>In general</header><text>The Secretary shall require each covered public housing agency to provide a notice each year to the Secretary that—</text><paragraph id="HF8A494238E844ABFAC4026FEB81D9EBA"><enum>(1)</enum><text>indicates that if a receiver or Federal monitor remains appointed for the covered public housing agency as of October 1 of the calendar year to which such notice relates;</text></paragraph><paragraph id="HB6A62F760F28492F9C4EA8EAFD8A1CF6"><enum>(2)</enum><text>provides the date on which the receiver or Federal monitor was first appointed and the projected date, if known, the appointment of the receiver or Federal monitor will be terminated; and</text></paragraph><paragraph id="H9CB3E968AC2A442BA3345A46F4AF8F55"><enum>(3)</enum><text>identifies the current receiver or Federal monitor appointed to oversee the public housing agency.</text></paragraph></subsection><subsection id="H9D9A2A2FCA0A4584A080C1860E88E80D"><enum>(b)</enum><header>Federal monitor and receiver transparency</header><paragraph id="H7D870F8D6B4B4FF8BD32A3D07ED21958"><enum>(1)</enum><text>Notwithstanding any other provision of law, not later than October 1 of each year, each receiver or Federal monitor that is currently appointed to oversee a covered public housing agency shall provide to the Committee on Financial Services of the House of Representatives and the Committee on Banking, Housing, and Urban Affairs of the Senate a written assessment that—</text><subparagraph id="HEEC408FFD4644764B0E46B70E3482315"><enum>(A)</enum><text>describes the management and oversight activities of the receiver or Federal monitor for the covered public housing agency;</text></subparagraph><subparagraph id="H950718A3CB3F4993AEF7A561532CCC09"><enum>(B)</enum><text>identifies the significant factors that led to the appointment of the receiver or Federal monitor for the covered public housing agency;</text></subparagraph><subparagraph id="HB292D9F42017464EBBF824C84A62584E"><enum>(C)</enum><text>identifies the factors that remain unresolved at the covered public housing agency that have led to the continued oversight of the receiver or Federal monitor; and</text></subparagraph><subparagraph id="H043AFA31C0CB43D9A17EA581241DFE37"><enum>(D)</enum><text>includes a timeline developed by the receiver or Federal monitor that projects when the factors identified under subparagraphs (B) and (C) will be resolved.</text></subparagraph></paragraph><paragraph id="H36C8E01E7D0F4228B13436656608F1E6"><enum>(2)</enum><text>In addition to the written assessment required in paragraph (1), upon written request by the Committee on Financial Services of the House of Representatives or the Committee on Banking, Housing, and Urban Affairs of the Senate, each receiver or Federal monitor appointed to oversee a covered public housing agency shall promptly furnish additional or supplemental information requested by the Committee on Financial Services of the House of Representatives or the Committee on Banking, Housing, and Urban Affairs of the Senate with respect to the covered public housing agency which such receiver or Federal monitor is appointed to oversee, including presenting testimony upon request.</text></paragraph></subsection><subsection id="HD110D753E81549A9BE91DB7758A3E370"><enum>(c)</enum><header>Disclosure required</header><text>The Secretary shall, not later than 1 year after the date of the enactment of this section, require each covered public housing agency to publicly disclose, on the website of the covered public housing agency, with respect to each contract entered into by such covered public housing agency in the preceding year, the following information:</text><paragraph id="HA9BB93C13EDE469889E180854F8E2CAF"><enum>(1)</enum><text>All material information about the contract, including the goods and service provided.</text></paragraph><paragraph id="H96CFD3F900244DB3B74FEE4E00AC398E"><enum>(2)</enum><text>The identity of the vendor selected to receive the contract.</text></paragraph><paragraph id="H0E3D54C2062F4BB38B813D512EB32B11"><enum>(3)</enum><text>The date of the solicitation of the contract.</text></paragraph><paragraph id="H278B4FB028244CD08A1AA59651E1613A"><enum>(4)</enum><text>The relevant information pertaining to the bids and quotes solicited for the contract.</text></paragraph><paragraph id="HA9115A975A2C461080D4126F649374BE"><enum>(5)</enum><text>The name of the official who solicited the contract.</text></paragraph></subsection><subsection id="HB5B08686BF9D499390916B836AF96AAE"><enum>(d)</enum><header>Inspector general review</header><text>Not later than 180 days after receiving a written request from the Committee on Financial Services of the House of Representatives or the Committee on Banking, Housing, and Urban Affairs of the Senate, the inspector general shall provide to the requesting committee an analysis of—</text><paragraph id="HF17FBB86B29548ECA13010A991C6400E"><enum>(1)</enum><text>the status of any covered public housing agency’s compliance with any agreements entered into between the covered public housing agency and the Department of Housing and Urban Development, including specific areas of deficiency and progress toward compliance;</text></paragraph><paragraph id="H4FEB6C5EE5314B91AC6031A569C2C7AA"><enum>(2)</enum><text>a review of actions taken by the receiver or Federal monitor appointed to oversee a covered public housing agency and any private sector housing development partners pursuant to such agreement, including any gaps in oversight by the receiver or Federal monitor;</text></paragraph><paragraph id="HB4F3D48B8A5A4349AF02E809436AB833"><enum>(3)</enum><text>an assessment of the physical conditions of housing provided by the covered public housing agency, including the status of the covered public housing agency’s compliance with relevant health and safety requirements;</text></paragraph><paragraph id="HD98646BB53AD4A09998ED969487F8253"><enum>(4)</enum><text>an examination of any allegations of waste, fraud, abuse or violations of Federal law committed by employees or contractors of the covered public housing agency;</text></paragraph><paragraph id="H6E549D51D0464B3791799920F4278FEF"><enum>(5)</enum><text>any additional pertinent information, as determined necessary and appropriate by the inspector general; and</text></paragraph><paragraph id="H9C0499CF90A44985AE75FBED8CE99DC8"><enum>(6)</enum><text>any recommendations of the inspector general that relate to how to improve the compliance of the covered public housing agency with any agreements entered into with the Department of Housing and Urban Development or enhance the oversight of the receiver or Federal monitor over such covered public housing agency.</text></paragraph></subsection><subsection id="H03A06740E50E426080FB6490999B7C48"><enum>(e)</enum><header>Definitions</header><paragraph id="H35FF9678C08A4067B78E4C2AB9D07B5F"><enum>(1)</enum><header>Covered public housing agency</header><text>The term <quote>covered public housing agency</quote> means a public housing agency (as such term is defined in section 3(b) of the United States Housing Act of 1937 (<external-xref legal-doc="usc" parsable-cite="usc/42/1437a">42 U.S.C. 1437a(b)</external-xref>)) for which an administrative or judicial receiver or Federal monitor was appointed.</text></paragraph><paragraph id="HEEE660C3C5C94A96864D87D3D51F0E1D"><enum>(2)</enum><header>Inspector general</header><text>The term <quote>inspector general</quote> means the inspector general of the Department of Housing and Urban Development.</text></paragraph><paragraph id="H65F11CD6EFC74C3D887892063E2648DA"><enum>(3)</enum><header>Secretary</header><text>The term <quote>Secretary</quote> means the Secretary of Housing and Urban Development.</text></paragraph></subsection></section>Amend the title so as to read: A bill to increase the supply of housing in America, and for other purposes..January 15, 2026Reported from the Committee on Financial Services with amendmentsJanuary 15, 2026Committee on Veterans' Affairs discharged; committed to the Committee of the Whole House on the State of the Union and ordered to be printed