[Federal Register Volume 62, Number 84 (Thursday, May 1, 1997)]
[Notices]
[Pages 23916-23925]
From the Federal Register Online via the Government Publishing Office [www.gpo.gov]
[FR Doc No: 97-11273]



[[Page 23915]]

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Part V





Department of Housing and Urban Development





_______________________________________________________________________



Funding Availability of HUD-Approved Housing Counseling Agencies, 
Fiscal Year 1997; Notice

  Federal Register / Vol. 62, No. 84 / Thursday, May 1, 1997 / 
Notices  

[[Page 23916]]


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DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT

[Docket No. FR-4172-N-01]


Fiscal Year 1997 Notice of Funding Availability HUD-Approved 
Housing Counseling Agencies

AGENCY: Office of the Assistant Secretary for Housing-Federal Housing 
Commissioner, HUD.

ACTION: Notice of Funding Availability (NOFA).

-----------------------------------------------------------------------

SUMMARY: Purpose. This notice announces the availability of Fiscal Year 
(FY) 1997 funding from the U.S. Department of Housing and Urban 
Development (HUD) for HUD-approved housing counseling agencies to 
provide housing counseling to homebuyers, homeowners, and renters.
    Available Funds. Up to $13,125,000.
    Eligible Applicants. All housing counseling agencies approved by 
HUD as of the publication date of this NOFA may apply for FY 1997 
funding. This includes: (1) Multi-State, regional, or national 
intermediary organizations, and (2) local housing counseling agencies 
that do not elect to affiliate with a HUD-approved intermediary 
organization.
    This NOFA contains additional information on the purpose and 
background of the NOFA and funding levels available to local counseling 
agencies and intermediary organizations respectively; eligible 
activities and funding criteria; and application requirements and 
procedures.

DEADLINE FOR RECEIPT OF APPLICATIONS: Completed applications must be 
submitted no later than 4:00 p.m. local time on June 2, 1997. As 
further described below, any completed application must be physically 
received by this deadline date and hour at the appropriate local HUD 
office (for local applicants) or at the Office of Housing, Department 
of Housing and Urban Development, 451 7th Street, SW, Room 9166, 
Washington D.C. 20410 (for national, regional or multi-State 
applicants). In the interest of fairness to all applicants, late 
applications will be treated as ineligible for consideration. 
Applicants should take this requirement into account and make early 
submission of their applications to avoid loss of eligibility brought 
about by any unanticipated delays or other delivery-related problems. 
It is not sufficient for an application to be postmarked within the 
deadline. Applications sent by facsimile (FAX) will not be accepted. 
HUD will not waive this submission deadline for any reason.

ADDRESSES: For local housing counseling agency applicants: An original 
and three copies of the completed application must be submitted to the 
local HUD office having jurisdiction over the locality or area in which 
the proposed program is located. These copies should be sent to the 
attention of the Single Family Division Director, and the envelope 
should be clearly marked, ``FY 1997 Counseling Application''. A list of 
Single Family Division Directors and local HUD Offices appears at the 
end of this NOFA. Failure to submit an application to the correct 
office in accordance with the above procedures will result in 
disqualification of the application.
    For national, regional and multi-State housing counseling agencies: 
An original and three copies of the completed application must be 
submitted to the person listed below in HUD Headquarters. The envelope 
should be clearly marked, ``FY 1997 Counseling Application.''

FOR FURTHER INFORMATION CONTACT: Monica Schuster, Director, Marketing 
and Outreach Division, Office of Insured Single Family Housing, 
Department of Housing and Urban Development, 451 7th Street, SW, Room 
9166, Washington DC 20410; telephone (202) 708-0317 (voice); and the 
hearing and speech impaired persons may access this number by calling 
the Federal Information Relay Operator at 1-800-877-8339 (TTY number).

SUPPLEMENTARY INFORMATION:

Paperwork Reduction Act Statement

    The information collection requirements contained in this NOFA have 
been approved by the Office of Management and Budget, under section 
3504(h) of the Paperwork Reduction Act of 1995 (44 USC 3501-3520), and 
assigned OMB control number 2502-0261. An agency may not conduct or 
sponsor, and a person is not required to respond to, a collection of 
information unless the collection displays a valid control number.

Promoting Comprehensive Approaches to Housing and Community 
Development

    HUD is interested in promoting comprehensive, coordinated 
approaches to housing and community development. Economic development, 
community development, public housing revitalization, homeownership, 
assisted housing for special needs populations, supportive services, 
and welfare-to-work initiatives can work better if linked at the local 
level. Toward this end, HUD in recent years has developed the 
Consolidated Planning process designed to help communities undertake 
such approaches.
    In this spirit, it may be helpful for applicants under this NOFA to 
be aware of other related HUD NOFAs that have recently been published 
or are expected to be published in the near future. By reviewing these 
NOFAs with respect to their program purposes and the eligibility of 
applicants and activities, applicants may be able to relate the 
activities proposed for funding under this NOFA to the recent and 
upcoming NOFAs and to the community's Consolidated Plan.
    With respect to homeownership, the Department expects to publish in 
the Federal Register in the next few weeks the Homeownership Zones 
NOFA.
    To foster comprehensive, coordinated approaches by communities, HUD 
intends for the remainder of FY 1997 to continue to alert applicants to 
upcoming and recent NOFAs as each NOFA is published. In addition, a 
complete schedule of NOFAs to be published during the fiscal year and 
those already published appears under the HUD Homepage on the Internet, 
which can be accessed at http://www.hud.gov/nofas.html. Additional 
steps on NOFA coordination may be considered for FY 1998.
    For help in obtaining a copy of your community's Consolidated Plan, 
please contact the community development office of your municipal 
government.

I. Purpose and Substantive Description

A. Authority and Purpose

    HUD's housing counseling program is authorized under Section 106 of 
the Housing and Urban Development Act of 1968 (12 USC 1701x). The 
purpose of the program is to promote and protect the interests of 
housing consumers participating in HUD and other housing programs, as 
well as to help protect the interests of HUD and mortgage lenders. The 
Housing Counseling program is generally governed by HUD Handbook 
7610.1, REV-4, dated August 9, 1995.
    Section 106 authorizes HUD to provide counseling and advice to 
tenants and homeowners with respect to property maintenance, financial 
management, and such other matters as may be appropriate to assist 
tenants and homeowners in improving their housing conditions and in 
meeting the responsibilities of tenancy and homeownership. In addition, 
HUD-approved counseling agencies are permitted and encouraged by HUD to 
conduct community outreach activities

[[Page 23917]]

and provide counseling to individuals, such as minorities and persons 
with disabilities with the objective of increasing awareness of 
homeownership opportunities and improving access of low and moderate 
income households to sources of mortgage credit. HUD believes that this 
activity is key to the revitalization and stabilization of low income 
neighborhoods.
    Under the housing counseling program, HUD contracts with qualified 
public or private nonprofit organizations to provide the services 
authorized by the statute. When Congress appropriates funds for this 
purpose, HUD announces the availability of such funds, and invites 
applications from eligible agencies, through a notice published in the 
Federal Register. Currently there are 746 HUD-approved local housing 
counseling agencies with 335 Branch Offices and 9 HUD-approved 
intermediary organizations. Annually, all HUD-approved agencies are 
eligible to apply for housing counseling grants. However, an agency 
that is approved by HUD does not automatically receive HUD funding, and 
HUD expects that all counseling agencies will continually work to 
develop other funding resources. In FY '96, 183 HUD-approved local 
housing counseling agencies and 4 HUD-approved national/regional/multi-
state housing counseling agencies received funding from HUD.

B. Allocation Amounts

    Fifteen million dollars ($15 million) has been appropriated from 
the 1997 Appropriations Act, P. L. 104-204, approved October 7, 1996 
for this program. Of this amount, $13,125,000 is being made available 
under this NOFA for lump-sum, performance-based grants, as defined at 
24 CFR part 84, subpart E. Approximately $5 million is being set aside 
to fund national, regional and multi-State organizations that apply for 
funding under this NOFA. No national/regional/multi-State agency may 
receive more than $1 million. Approximately $8,125,000 has been made 
available for grants to local HUD approved housing counseling agencies, 
and it has been allocated to each of the HUD Field Offices by a formula 
that gives equal weight to the percentage of HUD insured single family 
mortgage defaults within each Field Office jurisdiction as of August 
31, 1996, compared to the nationwide total and the percentage of first-
time homebuyers that were approved for FHA-insured mortgages within the 
Field Office jurisdiction during FY 1996 compared to the nationwide 
total for that period. This formula reflects the increased emphasis 
that HUD is placing on the expansion of homeownership opportunities for 
first-time homebuyers and its intent to ensure appropriate geographical 
distribution of program funds. For FY 1997, no individual local housing 
counseling agency may be awarded more than $100,000.
    Allocations for use in local agency programs, by HUD Field Office, 
are estimated as follows:

--------------------------------------------------------------------------------------------------------------------------------------------------------
                                                                                     Default data             First time homebuyer data                 
                                                                              --------------------------------------------------------------            
                                                                      No. of                                          % of                      Total   
                         HUD field office                            defaults    % of      Allocation      No. of    nat'l     Allocation     allocation
                                                                                 nat'l       amount         1st       1st        amount                 
                                                                               defaults                    timers    timers                             
--------------------------------------------------------------------------------------------------------------------------------------------------------
                            New England                                                                                                                 
                                                                                                                                                        
Boston............................................................        812      0.48       19,554.75      5,232     1.09       44,348.05       63,903
Hartford..........................................................      1,726      1.02       41,565.89      6,745     1.41       57,172.70       98,739
Manchester*.......................................................        401      0.24        9,656.97      3,085     0.64       26,149.41       35,806
*(NH, ME, VT).....................................................                                                                                      
Providence........................................................        266      0.16        6,405.87      1,719     0.36       14,570.78       20,977
                                                                                                                                                        
                          New York/Jersey                                                                                                               
                                                                                                                                                        
Albany............................................................      2,190      1.30       52,740.04      6,032     1.26       51,129.10      103,869
Buffalo...........................................................      2,578      1.53       62,083.93      5,522     1.15       46,806.18      108,890
Camden............................................................      4,076      2.42       98,159.08      5,841     1.22       49,510.12      147,669
New York..........................................................      3,518      2.09       84,721.21      7,992     1.67       67,742.66      152,464
Newark............................................................      2,121      1.26       51,078.36      4,466     0.93       37,855.20       88,934
                                                                                                                                                        
                           Mid Atlantic                                                                                                                 
                                                                                                                                                        
Baltimore.........................................................      3,957      2.35       95,293.30     12,961     2.70      109,861.44      205,155
Charleston........................................................         93      0.06        2,239.65        894     0.19        7,577.82        9,817
Philadelphia*.....................................................      5,952      3.53      143,337.31     12,678     2.65      107,462.65      250,800
(* DE)............................................................  .........  ........  ..............  .........  .......  ..............  ...........
Pittsburgh........................................................      1,241      0.74       29,886.02      3,923     0.82       33,252.56       63,139
Richmond..........................................................      4,343      2.57      104,589.03     12,102     2.53      102,580.29      207,169
Washington DC.....................................................      4,681      2.77      112,728.82     12,141     2.53      102,910.87      215,640
                                                                                                                                                        
                        Southeast/Caribbean                                                                                                             
                                                                                                                                                        
Atlanta...........................................................      7,267      4.31      175,005.41     13,627     2.84      115,506.66      290,512
Birmingham........................................................      2,478      1.47       59,675.71      5,987     1.25       50,747.66      110,423
Caribbean.........................................................      3,944      2.34       94,980.23      6,710     1.40       56,876.03      151,856
Coral Gables......................................................      6,048      3.59      145,649.20     12,183     2.54      103,266.87      248,916
Columbia..........................................................      2,098      1.24       50,524.47      3,852     0.80       32,650.74       83,175
Greensboro........................................................      3,251      1.93       78,291.26      9,140     1.91       77,473.47      155,765
Jackson...........................................................      1,997      1.18       48,092.17      3,775     0.79       31,998.07       80,090
Jacksonville......................................................      1,733      1.03       41,734.47      4,666     0.97       39,550.46       81,285
Louisville........................................................        861      0.51       20,734.78      5,083     1.06       43,085.08       63,820
Knoxville.........................................................        993      0.59       23,913.63      3,086     0.64       26,157.89       50,072
Memphis...........................................................      4,616      2.74      111,163.47      6,462     1.35       54,773.91      165,937
Nashville.........................................................      1,526      0.90       36,749.45      4,612     0.96       39,092.74       75,842
Orlando...........................................................      3,052      1.81       73,498.90      6,451     1.35       54,680.67      128,180
Tampa.............................................................      2,686      1.59       64,684.81      6,803     1.42       57,664.33      122,349
                                                                                                                                                        
                              Midwest                                                                                                                   
                                                                                                                                                        
Chicago and Spring................................................      8,012      4.75      192,946.65     21,878     4.56      185,444.69      378,391

[[Page 23918]]

                                                                                                                                                        
Cincinnati........................................................      1,147      0.68       27,622.29      4,843     1.01       41,050.77       68,673
Cleveland.........................................................      3,058      1.81       73,643.39      5,135     1.07       43,525.85      117,169
Columbus..........................................................      1,612      0.96       38,820.52      4,665     0.97       39,541.98       78,363
Detroit...........................................................      3,065      1.82       73,811.97     10,318     2.15       87,458.56      161,271
Grand Rapids......................................................        882      0.52       21,240.51      5,040     1.05       42,720.60       63,961
Indianapolis......................................................      2,902      1.72       69,886.57     10,810     2.26       91,628.90      161,515
Milwaukee.........................................................        649      0.38       15,629.35      2,257     0.47       19,131.03       34,760
Flint.............................................................        429      0.25       10,331.27      1,849     0.39       15,672.70       26,004
Minneapolis.......................................................      3,194      1.89       76,918.57     14,239     2.97      120,694.17      197,613
                                                                                                                                                        
                             Southwest                                                                                                                  
                                                                                                                                                        
Albuquerque.......................................................        552      0.33       13,293.38      2,841     0.59       24,081.19       37,375
Ft Worth and Dallas...............................................      7,096      4.21      170,887.35     14,357     3.00      121,694.37      292,582
Houston...........................................................      3,388      2.01       81,590.52      5,984     1.25       50,722.23      132,313
Little Rock.......................................................      1,627      0.96       39,181.75      5,500     1.15       46,619.70       85,801
Lubbock...........................................................      1,403      0.83       33,787.34      3,742     0.78       31,718.35       65,506
New Orleans.......................................................      1,707      1.01       41,108.33      4,957     1.03       42,017.06       83,125
Oklahoma City.....................................................      1,247      0.74       30,030.51      3,999     0.83       33,896.76       63,927
San Antonio.......................................................      2,548      1.51       61,361.47      9,285     1.94       78,702.53      140,064
Shreveport........................................................        785      0.47       18,904.53      1,510     0.32       12,799.23       31,704
Tulsa.............................................................        914      0.54       22,011.14      2,371     0.49       20,097.33       42,108
                                                                                                                                                        
                           Great Plains                                                                                                                 
                                                                                                                                                        
 Des Moines.......................................................        429      0.25       10,331.27      2,114     0.44       17,918.92       28,250
Kansas Cty/Topeka.................................................      1,905      1.13       45,876.61      8,198     1.71       69,488.78      115,365
Omaha.............................................................        607      0.36       14,617.90      3,583     0.75       30,370.62       44,989
St Louis..........................................................      1,704      1.01       41,036.08      5,757     1.20       48,798.11       89,834
                                                                                                                                                        
                          Rocky Mountains                                                                                                               
                                                                                                                                                        
Denver*...........................................................      2,554      1.51       61,505.96     18,181     3.79      154,107.78      215,614
*(WY, ND, SD).....................................................  .........  ........  ..............  .........  .......  ..............  ...........
Helena............................................................        369      0.22        8,886.33      1,546     0.32       13,104.37       21,991
Salt Lake City....................................................        926      0.55       22,300.13      8,372     1.75       70,963.66       93,264
                                                                                                                                                        
                          Pacific/Hawaii                                                                                                                
                                                                                                                                                        
Fresno............................................................      3,109      1.84       74,871.59     10,157     2.12       86,093.87      160,965
Honolulu..........................................................        343      0.20        8,260.20        786     0.16        6,662.38       14,923
Los Angeles.......................................................      5,976      3.54      143,915.28     18,831     3.93      159,617.38      303,533
Phoenix...........................................................      3,483      2.06       83,878.33     11,602     2.42       98,342.14      182,220
Reno (See below)..................................................  .........      0.00            0.00  .........     0.00            0.00            0
Sacramento........................................................      1,983      1.18       47,755.02      7,511     1.57       63,665.56      111,421
San Diego.........................................................        883      0.52       21,264.59      3,746     0.78       31,752.25       53,017
San Francisco.....................................................      1,273      0.75       30,656.65      4,076     0.85       34,549.44       65,206
Santa Anna........................................................      1,205      6.64      269,841.15     20,908     4.36      177,222.67      447,064
Las Vegas and Reno................................................      1,685      1.00       40,578.52      6,626     1.38       56,164.02       96,743
Tucson............................................................        525      0.31       12,643.16      1,480     0.31       12,544.94       25,188
                                                                                                                                                        
                         Northwest/Alaska                                                                                                               
                                                                                                                                                        
Anchorage.........................................................        139      0.08        3,347.43      1,242     0.26       10,527.58       13,875
Boise.............................................................        532      0.32       12,811.73      2,177     0.45       18,452.92       31,265
Portland..........................................................        610      0.36       14,690.15      5,013     1.05       42,491.74       57,182
Seattle and Spokane...............................................      1,731      1.03       41,686.30      8,021     1.67       67,988.48      109,675
                                                                   -------------------------------------------------------------------------------------
    TOTAL.........................................................    168,693  ........       4,062,500    479,277  .......       4,062,500    8,125,000
--------------------------------------------------------------------------------------------------------------------------------------------------------

    An allocation of $1,875,000 in program funding has been set aside 
for Housing Counseling support which may include: Continuation of the 
Housing Counseling Clearinghouse, 800 service to provide information to 
the public regarding local HUD-approved housing counseling agencies, 
and/or other HUD counseling initiatives.
    If funds remain after HUD has funded all approvable grant 
applications in a HUD Field Office jurisdiction, or if any funds become 
available due to deobligation, that amount shall be reallocated and 
used in keeping with the statute and in a manner that will improve the 
delivery of housing counseling service nationwide. Left over and 
recaptured funds will be reallocated and used consistent with the terms 
of this NOFA. Consideration will be given to the field offices with the 
greatest need. The criteria will include the number of defaults and 
first-time home buyers, and if there is at least one housing counseling 
grantee servicing the locality.

C. Eligible Applicants

1. General
    There are two types of HUD-approved organizations that are eligible 
to submit applications pursuant to this NOFA: (1) National, regional, 
or multi-State housing counseling organizations (also known as 
``intermediaries'' or ``umbrella groups''); and (2) local housing 
counseling agencies.
    National, regional, and multi-State nonprofit, intermediary 
organizations must identify all their proposed

[[Page 23919]]

affiliates in their application. These intermediaries must assure that 
their proposed affiliates are unique to their team and will not 
undertake a separate application for funds either as an affiliate of 
another intermediary or directly as a HUD-approved local counseling 
agency. Should any duplication occur, both the intermediary 
organization and the local agency involved will automatically be 
ineligible for further consideration to receive FY 1997 housing 
counseling funds. In addition, an intermediary-applicant must also 
assure that it has executed a sub-agreement with its affiliates that 
clearly delineates their mutual responsibilities for program 
management, incorporating appropriate timeframes for reporting results 
to HUD.
    Once funded, the national, regional, and multi-State intermediaries 
will be given broad discretion in implementing their housing counseling 
programs. On behalf of HUD, the intermediaries will act as managers in 
the housing counseling process and, as such, may determine funding 
levels and counseling activity for each of their affiliates, except 
that no single affiliate may receive more than $100,000. HUD will hold 
the intermediary organization accountable for the performance of its 
affiliates.
    Local counseling agencies may apply either directly to HUD for 
funding, or as a part of an affiliated intermediary network. Since 
continuation of funding for housing counseling activities as a separate 
and discrete program for FY 1997 and thereafter is not guaranteed, HUD 
encourages local agencies to consider affiliating with a larger entity 
as one avenue of possible future funding and support for local 
programs. Local housing counseling agencies that are not currently HUD-
approved may receive FY 1997 funding only as an affiliate of a HUD-
approved national, regional, or multi-State intermediary's application 
for FY 1997 funds. In this instance, the intermediary organization must 
certify that the quality of services provided will meet, or exceed, 
standards for local HUD-approved agencies.
2. Civil Rights Prerequisites
    Applicants that fall into any one of the following categories will 
be ineligible for funding under this NOFA:
    a. The Department of Justice has brought a civil rights suit 
against the applicant and the suit is pending;
    b. There has been an adjudication of a civil rights violation in a 
civil action brought against the applicant by a private individual, 
unless the applicant is operating in compliance with a court order, or 
implementing a HUD-approved compliance agreement designed to correct 
the areas of noncompliance;
    c. There are outstanding findings of noncompliance with civil 
rights statutes, Executive Orders or regulations as a result of formal 
administrative proceedings, or the Secretary has issued a charge 
against the applicant under the Fair Housing Act, unless the applicant 
is operating under a conciliation or compliance agreement designed to 
correct the areas of noncompliance; or
    d. HUD has deferred application processing by HUD under one of the 
following authorities:
    i. Title VI of the Civil Rights Act of 1964 and the implementing 
guidelines of the Attorney General (28 CFR 50.3) and the HUD 
regulations (24 CFR 1.8);
    ii. Section 504 of the Rehabilitation Act of 1973 and the HUD 
section 504 regulations (24 CFR 8.57);
    iii. Executive Order 11063, as amended by Executive Order 12892 and 
HUD regulations (24 CFR Part 107);
    iv. Title II of the Americans with Disabilities Act of 1990 and 
applicable regulations (28 CFR Part 36); or
    v. The Age Discrimination Act of 1975 (42 U.S.C. 6101-6107) and 
implementing regulations (24 CFR Part 146).
3. Requirements to Affirmatively Further Fair Housing
    Three Civil Rights acts and their implementing regulations form the 
basis for HUD's evaluation of proposals for the extent to which they 
will affirmatively further fair housing:
    a. Section 808(e)(5) of the Fair Housing Act requires HUD to 
administer all its programs in a manner which affirmatively furthers 
fair housing on the bases of race, color, national origin, religion, 
sex, disability, and familial status.
    b. HUD's regulation at 24 CFR 1.4(b)(6) which implements Title VI 
of the Civil Rights Act requires recipients of HUD funds to take 
affirmative action to overcome the effects of conditions which resulted 
from limiting participation of persons by race, color, or national 
origin even in the absence of prior discrimination by the organization.
    c. Section 504 of the Rehabilitation Act of 1973 requires 
recipients of HUD funds to provide housing opportunities for persons 
with disabilities which are comparable to those for non-disabled 
persons and to ensure accessibility in all programs so funded.
    All applications must address these requirements by discussing how 
the recipient plans to affirmatively further fair housing. This may be 
done in a variety of ways, as appropriate to the community. Making 
counseling offices and services accessible to persons with a wide range 
of disabilities and helping such persons to locate suitable housing in 
locations throughout the metropolitan or community area is suggested 
for both national, regional, or multi-state housing counseling 
organization, as well as for local counseling agencies. However, 
programs should be developed to meet the needs of all individuals 
regardless of race, national origin, or disability. The following are 
additional suggestions:

National, Regional, or Multi-State Housing Counseling Organizations

--Implement affirmative marketing strategies to attract all segments of 
the population listed as prohibited bases in the Fair Housing Act who 
are least likely to apply for Housing Counseling to purchase or retain 
their homes.
--Take actions to reduce concentrations of poverty and/or minority 
populations. This could include working with, or adopting the 
counseling practices of, agencies which conduct opportunity counseling 
to encourage low-income and minority persons to move to low-
concentration areas and helping to locate suitable housing in such 
areas. It could also include working with local lenders to develop 
alternative lending criteria: For instance, the counseling agency may 
make referrals to the lenders of clients with good credit and payment 
histories, but who do not fit the standard profiles for lending 
practices or of clients with financial patterns which reflect cultural 
differences (such as family savings pools common among some Asian 
populations). Such activity should also focus on finding appropriate 
housing, free from environmental hazards, for all segments of the 
population in neighborhoods with good transportation, schools, 
employment opportunities, and other services. Such housing would 
include accessible housing to accommodate persons with a variety of 
disabilities, i.e., mobility, hearing, visual, and persons with 
multiple chemical sensitivities (MCS), etc.

Local Housing Counseling Agencies

--Participate in local fair housing strategies with major emphasis on 
remedying the effects of past discrimination and limitations in the 
community. This could include: working with CPD Entitlement 
Jurisdictions to help to identify impediments to fair housing choice

[[Page 23920]]

which have been identified in the process of working with clients; 
becoming familiar with the jurisdiction's identified impediments and 
adjusting its counseling activities to help overcome these impediments; 
and/or working with other public and private resources to develop fair 
housing strategies applicable to the counseling activities, on a 
community-wide or metropolitan-wide basis. Counseling agencies could 
also work with local disability rights organizations and housing 
providers to identify and list by address and type, accessible housing 
which is available to accommodate persons with a variety of 
disabilities, i.e. mobility, hearing, visual, and MCS, etc.
4. Requirements Applicable to Religious Organizations
    Where the applicant is, or proposes to contract with, a primarily 
religious organization, or a wholly secular organization established by 
a primarily religious organization, to provide, manage, or operate a 
housing counseling program, the organization must undertake its 
responsibilities under the counseling program in accordance with the 
following principles:
    a. It will not discriminate against any employee or applicant for 
employment under the program on the basis of religion and will not 
limit employment or give preference in employment to persons on the 
basis of religion;
    b. It will not discriminate against any person applying for 
counseling under the program on the basis of religion and will not 
limit such assistance or give preference to persons on the basis of 
religion; and
    c. It will provide no religious instruction or religious 
counseling, conduct no religious services or worship, engage in no 
religious proselytizing, and exert no other religious influence in the 
provision of assistance under the housing counseling program.

D. Eligible Activities

    Eligible activities will vary depending upon whether the applicant 
is a HUD-approved local counseling agency or a HUD-approved national, 
regional, or multi-State housing counseling intermediary. Lease, 
rehabilitation, or acquisition of facilities is not an eligible 
activity.
1. Local Housing Counseling Agencies
    Local housing counseling agencies funded under this NOFA may use 
HUD funds to deliver comprehensive housing counseling or to specialize 
in the delivery of particular housing counseling services according to 
the housing needs they identified for their target area in the plan 
that was previously approved by HUD. HUD recognizes that local housing 
counseling agencies may offer a wide range of services, including:
    a. Renter assistance, including information about rent subsidy 
programs, rights and responsibilities of tenants, lease and rental 
agreements, etc.;
    b. Outreach initiatives, including providing general information 
about housing opportunities within the community and providing 
appropriate information to persons with disabilities;
    c. Pre-purchase homeownership counseling, covering such issues as 
purchase procedures, mortgage financing, downpayment/closing cost fund 
accumulation, accessibility requirements of the property--if 
appropriate, credit improvement, debt consolidation, etc.;
    d. Post-purchase counseling, including such issues as property 
maintenance, personal money management, home equity conversion 
mortgages, etc.; or
    e. Mortgage delinquency and default resolution, including 
restructuring debt, arrangement of reinstatement plans, loan 
forbearance, loss mitigation, etc.
    HUD-funded local counseling agencies may elect to offer their 
services to a wide range of clients or may elect to serve a more 
limited audience, so long as limitations are not based on any of the 
prohibited bases of the Fair Housing Act. Potential clients include: 
renters; potential homebuyers including those homebuyers that have been 
underserved such as minority and persons with disabilities; homeowners 
eligible for and applying for HUD-related, VA, FmHA (or its successor 
agency), State, local, or conventionally financed housing or housing 
assistance; or persons who occupy such housing and seek the assistance 
of a HUD-approved housing counseling agency to resolve a housing need 
(including the need of a person with a disability for accessible 
housing) or problem. Local housing counseling agencies may elect to 
offer this assistance in conjunction with any HUD housing program but 
must be familiar with FHA's single family and multifamily housing 
programs.
2. National, Regional, or Multi-State Counseling Intermediaries
    The primary activity of national, regional, or multi-State 
nonprofit housing counseling intermediaries will be to manage the use 
of HUD housing counseling funds, including the distribution of 
counseling funding to affiliated local housing counseling 
organizations. Local affiliates of the selected national, regional, or 
multi-State counseling intermediaries are eligible to undertake any or 
all of the housing counseling activities outlined above for the HUD-
approved local housing counseling agencies. The local affiliates 
receiving funding through intermediaries do not need to be HUD-approved 
in order to receive these funds from the intermediary. However, the 
national, regional, or multi-State intermediary organization must be 
HUD-approved as of the NOFA publication date.

E. Selection Process

1. Housing Counseling Agencies
    All applications meeting the requirements of this NOFA will be 
selected for funding within their competitive category, if sufficient 
funds are available: (1) In the set aside for National, Regional, or 
multi-State organizations, or (2) within the HUD Field Office 
allocation for local housing counseling agency applicants.
    a. Criteria/Ranking Factors: All applications from Intermediary 
agencies will be rated and ranked by staff in the HUD Headquarters 
Office. All applications from local counseling agencies will be rated 
and ranked by staff in the appropriate local HUD Field Office and by 
the Secretary's Representative in the appropriate State office. The 
Secretary's Representative and the local HUD Office staff will use the 
same criteria and ranking factors, as follows:
    i. Capability of the applicant as determined by HUD, including 
competent delivery of counseling services and timely drawdown of any 
HUD funds awarded in the prior Fiscal Year--up to 45 points (up to 40 
points assigned by HUD's Housing staff; up to 5 points assigned by the 
Secretary's Representative). Rating factors will include but not be 
limited to the following: first-time home buyer education and 
counseling; default, loss mitigation and foreclosure prevention 
counseling; information on the availability and financing of housing; 
counseling on rehabilitating and refinancing of housing; information on 
the purchase of housing from HUD and other government agencies; 
providing HECM counseling;
    ii. Adequacy of the activities proposed by the applicant in 
response to housing needs identified in the applicant's housing 
counseling plan as previously approved by HUD--up to 20

[[Page 23921]]

points (up to 15 points assigned by HUD's Housing staff; up to 5 points 
assigned by the Secretary's Representative);
    iii. Evidence of private funding sources contributing to the 
applicant's operating budget over the past calendar year--up to 15 
points assigned by HUD's Housing staff; and
    iv. Evidence of current funding support from units of government 
located within the target area which the applicant intends to serve--up 
to 10 points assigned by HUD's Housing staff.
    v. Extent to which proposal provides methods for affirmatively 
furthering fair housing--up to 10 points assigned by HUD's FHEO staff. 
Special consideration will be given to particularly innovative 
strategies and those designed to remedy the effects of past 
discrimination as described in paragraph C.3, Requirements to 
Affirmatively Further Fair Housing.
    b. Selection Procedure: National, regional, and multi-State 
applications will be rated and ranked in Headquarters and selected for 
funding, in rank order, until all funds for such agencies are depleted. 
Local agency applications will be rated and ranked by the Field Office 
and selected for funding, in rank order, until all funds for such 
agencies are depleted.
i. Breaking a Tie
    If two or more applications receive the same number of points and 
sufficient funds are not available to fund all such applications, first 
the application or applications requesting the smallest grants will be 
selected, if a sufficient amount remains to fund them. If two or more 
tied applications request the same amount and sufficient funds are not 
available to fund all such applications, the following system will be 
used to break the ties:
    A. If the tied applications are for programs to be carried out in 
different jurisdictions, applications with the highest number of points 
for the rating criterion a.ii. (adequacy of activities) stated above 
will be selected, if sufficient funds remain.
    B. If the tied applications are to be carried out in the same 
jurisdiction, applications with the highest number of points for the 
rating criterion a.i. (capability) stated above will be selected, if 
sufficient funds remain.
ii. Reallocations
    Funds remaining after applying the procedures described in 
paragraph E.1.b. will be reallocated to Headquarters for distribution 
in accordance with the statute.
iii. Procedural Errors
    Procedural errors by HUD discovered after initial ratings, but 
before notification to Congress of selected applicants, will be 
corrected and rankings will be revised.
iv. Reductions
    HUD will approve an application for an amount lower than the amount 
requested or adjust line items in the proposed budget within the amount 
requested (or both) if it determines that:
    A. The amount requested for one or more eligible activities is 
unreasonable, unnecessary, or unjustified;
    B. An activity proposed for funding does not qualify as an eligible 
activity;
    C. The applicant is not able to carry out all the activities 
requested; or
    D. Insufficient amounts remain in that funding round to fund the 
full amount requested in the application.
v. Limitation of Geographic Scope
    HUD may reduce the geographic scope of the proposed program if it 
determines that:
    A. Two or more fundable applications substantially overlap; or
    B. The proposed geographic scope is overly large given the capacity 
of the organization.
2. National, Regional, and Multi-State Counseling Organizations
    If more applications are submitted to HUD Headquarters from 
national, regional, and multi-State organizations that meet all the 
requirements of this NOFA than can be funded with the amount allocated 
for this purpose, they will be rated by staff in HUD Headquarters using 
the above ranking criteria stated in paragraph 1.a., and the top-rated 
applicants will be selected. Paragraphs 1. b.iii., b.iv., and b.v., 
above also apply to the selection of national, regional, and multi-
State counseling organizations.
3. Notification of Approval or Disapproval
    After completion of the selection process, but no later than six 
months after the deadline date for submission of the applications, as 
stated in this NOFA, HUD will notify, in writing, the applicants that 
have been selected and the applicants that have not been selected.

F. Funding Levels

    Funding levels will be based on the amount authorized by the 
Congress, geographical distribution as described above, the performance 
record of each counseling agency as determined by HUD's analysis of 
prior year counseling workload and results of the most recent biennial 
performance review, competent delivery of counseling services and 
timely drawdown of funds awarded, and the agency's needs, as specified 
in the application according to its housing counseling plan previously 
approved by HUD. In addition, applicants that can demonstrate 
successful efforts to obtain non-HUD funding in their applications will 
receive extra consideration in HUD's rating and ranking process. HUD 
funding provided must be less than the total actual cost of the 
agency's housing counseling program.
1. Local Housing Counseling Agencies
    HUD will fund local agencies according to the budget submitted with 
the application, in an amount not to exceed $100,000. Amounts requested 
by local housing counseling agencies should reflect anticipated 
operating needs for housing counseling activities, based upon 
counseling experience during the last year and existing agency 
capacity. To the maximum extent possible, local counseling agencies 
also must seek other private and public sources of funding to 
supplement HUD funding. HUD never intends for its counseling grant 
funds to cover all costs incurred by an agency participating in the 
program.
    Local housing counseling agencies may use the HUD grant to 
undertake any of the eligible counseling activities described in this 
NOFA and included in their HUD-approved plan. FY 1997 housing 
counseling grant funds also may be used for ``capacity building'' which 
permits up to $4,000 of the grant amount be used to: purchase computer 
equipment that meets, or exceeds, HUD specifications; enhance existing 
telephone service, such as purchasing a telecommunications equipment 
for the hearing-impaired (TTY) to serve persons with hearing 
impairments (as an alternative to using the TTY relay service); and 
install FAX machines. The Department will require that all grantees 
funded in 1997 which do not currently have adequate computer systems 
(and were not funded by HUD under the FY 1995 or FY 1996 NOFA) use all 
or a portion of their $4,000 capacity building portion of the grant to 
purchase computer hardware according to HUD specifications. Computer 
training for one staff person also may be paid from the $4,000 set-
aside, as may training on how to use a TTY. Title to equipment acquired 
by a recipient with program funds shall vest in the recipient, subject 
to the provisions of 24 CFR part 84, subpart E. Agencies funded under 
the FY 1995 and/or FY 1996 NOFA already received an allocation of 
capacity

[[Page 23922]]

building funds and may not request additional capacity building funds 
in 1997.
2. National, Regional, or Multi-State Counseling Intermediaries
    The intermediary organization will distribute the majority of funds 
awarded to their proposed local housing counseling affiliates. 
Intermediaries should budget an amount which reflects their best 
estimate of cost to oversee and fund these counseling efforts, as well 
as the funding needs of their affiliates. Note that HUD housing 
counseling funding is not intended to fully fund either the 
intermediary's housing counseling program or the housing counseling 
programs of the local affiliates. To the maximum extent possible, 
intermediaries and their local affiliates are expected to seek other 
private and public sources of funding for housing counseling to 
supplement HUD funding.
    An intermediary may use up to $5,000 of its total grant amount for 
capacity building expenses such as: purchasing computer equipment; 
enhancing telephone service, such as purchasing a telecommunications 
equipment for the hearing-impaired (TTY) to serve persons with hearing 
impairments (as an alternative to using TTY relay service); installing 
FAX machines; and preparing or publishing counseling materials. If the 
intermediary does not have an adequate computer system and was not 
funded under the FY 1995 or FY 1996 NOFA, the Department will require 
that the $5,000 capacity building portion of the grant be used to 
purchase necessary equipment meeting HUD specifications. Title to 
equipment acquired by a recipient with program funds shall vest in the 
recipient, subject to the provisions of 24 CFR part 84, subpart E. 
Intermediaries funded under the FY 1995 and/or FY 1996 NOFA may not 
request additional capacity building funds in FY 1997.
    HUD will give the selected nonprofit intermediaries wide discretion 
to implement the housing counseling program with their affiliates. The 
intermediary may decide how to allocate funding among its affiliates 
and may determine funding levels at or below $100,000 for individual 
affiliates with the understanding that a written record will be kept of 
how this determination is made. This record shall be made available to 
the agencies affiliated with the intermediary.

III. Checklist of Application Submission Requirements

A. General

    Contents of an application will differ somewhat for local housing 
counseling agencies and for national, regional, or multi-State 
intermediaries; however, all applicants are expected to submit:
    1. Standard Form 424, Application for Federal Assistance.
    2. Standard Form 424B, Assurances--Non-construction Programs.
    3. Drug-Free Workplace Requirements Certification.
    4. Applicant/Recipient Disclosure/Update Report, Form HUD-2880.
    5. Certification and Disclosure of Lobbying Activities, Standard 
Form LLL, for National Intermediaries only, if applicable.
    6. Certification Regarding Civil Rights.
    7. Form HUD-9902, Housing Counseling Agency Fiscal Year Activity 
Report for fiscal year October 1, 1995 through September 30, 1996. 
Where an applicant did not participate in HUD's Housing Counseling 
Program during FY 1996, this report should be completed to reflect the 
agency's counseling workload during that period in any case. This form 
must be fully completed and submitted by every applicant for FY 1997 
HUD funding. HUD will reject any application that does not include this 
form.
    8. Computer Equipment Inventory (if applicable).
    9. Budget Worksheet. A realistic, proposed budget for use of HUD 
funds, if awarded. This should be broken down into two categories: 
Direct counseling costs and capacity building costs. Note that the 
budget submitted by a local agency may not exceed a total of $100,000, 
including capacity building costs which may not exceed $4,000. 
National, regional and multi-State organizations may submit a proposed 
budget up to $1 million, including capacity building costs which may 
not exceed $5,000.
    10. Exhibits for National, regional, multi-State or local housing 
counseling agencies (as described below in B1-B3 and in the application 
kit).
    11. Evidence of Housing Counseling Funding Sources (required by all 
applicants).
    12. Current Housing Counseling Plan.
    13. A description of counseling activities to be performed.
    14. A description of FHEO activities.
    15. A description of organization capability.
    16. Direct-labor and Hourly-labor rate and Counseling Time Per 
Client.
    17. Congressional District Information.

B. National, Regional, and Multi-State Intermediaries

    National, regional, and multi-State intermediaries must submit an 
application which covers both their network organization and their 
affiliated agencies. This application must include:
    1. Description of affiliated agencies. For each, list the following 
information:

a. Organization name
b. Address
c. Director and contact person (if different)
d. Phone/FAX numbers (including TTY, if appropriate)
e. Federal tax identification number
f. ZIP code service areas
g. Number of staff providing counseling
h. Type of services offered (defined by renter assistance, outreach 
initiatives, pre-purchase counseling, post-purchase counseling, and 
mortgage default and delinquency counseling)
i. Number of Years of Housing Counseling Experience
    2. Relationship with affiliates. Briefly describe the 
intermediary's relationship with affiliates (i.e. membership 
organization, field or branch offices, subsidiary organizations, etc.).
    3. Oversight system. Describe the process that will be used for 
determining affiliate funding levels, distributing funds, and 
monitoring affiliate performance.

IV. Corrections to Deficient Applications

    After the submission deadline, applicants may cure only non-
substantial, technical deficiencies that surface during HUD screening 
of their application. Applicants will have a ``cure period'' to correct 
such deficiencies that are not integral to HUD's review of the 
application. Applicants have 14 calendar days from the date HUD 
notifies them of any problem to submit the appropriate information to 
HUD. Notification of a technical deficiency may be in writing or by 
telephone. If the HUD notification is by telephone, a written 
confirmation will be transmitted by HUD to the applicant. Where HUD 
determines that an application as initially submitted is fundamentally 
incomplete, or would require substantial revisions, it will not 
consider the application further. Note: HUD will not inform applicants 
regarding application deficiencies other than as described in this 
section.

V. Other Matters

Environmental Impact

    This NOFA does not direct, provide for assistance or loan and 
mortgage

[[Page 23923]]

insurance for, or otherwise govern or regulate property acquisition, 
disposition, lease, rehabilitation, alteration, demolition, or new 
construction, or set out or provide for standards for construction or 
construction materials, manufactured housing, or occupancy. 
Accordingly, under 24 CFR 50.19(c)(1), this NOFA is categorically 
excluded from environmental review under the National Environmental 
Policy Act of 1969, as amended (42 U.S.C. 4321).

Federalism Impact

    The General Counsel, as the Designated Official under section 6(a) 
of Executive Order 12612, Federalism, has determined that this NOFA 
does not have ``federalism implications'' because it does not have 
substantial direct effects on the States (including their political 
subdivisions), or on the distribution of power and responsibilities 
among the various levels of government. This NOFA only affects 
nonprofit or public organizations who seek funding for their housing 
counseling activities.

Impact on the Family

    The General Counsel, as the Designated Official under Executive 
Order 12606, the Family, has determined that this NOFA has potential 
significant impact on family formation, maintenance, and general well-
being only to the extent that the entities who qualify for 
participation in HUD's housing counseling program under this notice 
will provide families with the counseling and advice they need to avoid 
rent delinquencies or mortgage defaults, and to develop competence and 
responsibility in meeting their housing needs. Since the potential 
impact on the family is considered beneficial, no further review under 
the Order is necessary.

Accountability in the Provision of HUD Assistance

    Section 102 of the Department of Housing and Urban Development 
Reform Act of 1989 (HUD Reform Act) and the final rule codified at 24 
CFR part 4, subpart A, published on April 1, 1996 (61 FR 1448), contain 
a number of provisions that are designed to ensure greater 
accountability and integrity in the provision of certain types of 
assistance administered by HUD. On January 14, 1992, HUD published, at 
57 FR 1942, a notice that also provides information on the 
implementation of section 102. The documentation, public access, and 
disclosure requirements of section 102 are applicable to assistance 
awarded under this NOFA as follows:
    Documentation and public access requirements. HUD will ensure that 
documentation and other information regarding each application 
submitted pursuant to this NOFA are sufficient to indicate the basis 
upon which assistance was provided or denied. This material, including 
any letters of support, will be made available for public inspection 
for a five-year period beginning not less than 30 days after the award 
of the assistance. Material will be made available in accordance with 
the Freedom of Information Act (5 U.S.C. 552) and HUD's implementing 
regulations at 24 CFR part 15. In addition, HUD will include the 
recipients of assistance pursuant to this NOFA in its Federal Register 
notice of all recipients of HUD assistance awarded on a competitive 
basis.
    Disclosures. HUD will make available to the public for five years 
all applicant disclosure reports (HUD Form 2880) submitted in 
connection with this NOFA. Update reports (also Form 2880) will be made 
available along with the applicant disclosure reports, but in no case 
for a period less than three years. All reports--both applicant 
disclosures and updates--will be made available in accordance with the 
Freedom of Information Act (5 U.S.C. 552) and HUD's implementing 
regulations at 24 CFR part 15.

Prohibition Against Advance Information on Funding Decisions

    HUD's regulation implementing section 103 of the HUD Reform Act, 
codified as 24 CFR part 4, applies to the funding competition announced 
today. The requirements of the rule continue to apply until the 
announcement of the selection of successful applicants.
    HUD employees involved in the review of applications and in the 
making of funding decisions are restrained by part 4 from providing 
advance information to any person (other than persons authorized to 
receive such information) concerning funding decisions, or from 
otherwise giving any applicant an unfair competitive advantage. Persons 
who apply for assistance in this competition should confine their 
inquiries to the subject areas permitted under 24 CFR part 4.
    Applicants or employees who have ethics related questions should 
contact the HUD Ethics Law Division (202) 708-3815 (voice), (202) 708-
1112 (TTY). (These are not toll-free numbers.) For HUD employees who 
have specific program questions, the employee should contact the 
appropriate Field Office Counsel or Headquarters Counsel for the 
program to which the question pertains.

Prohibition Against Lobbying Activities

    The use of funds awarded under this NOFA is subject to the 
disclosure requirements and prohibitions of Section 319 of the 
Department of Interior and Related Agencies Appropriations Act for 
Fiscal Year 1990 (31 U.S.C. 1352) and the HUD implementing regulations 
at 24 CFR Part 87. These authorities prohibit recipients of federal 
contracts, grants or loans from using appropriated funds for lobbying 
the Executive or Legislative Branches of the Federal Government in 
connection with a specific contract, grant or loan. The prohibition 
also covers the awarding of contracts, grants, cooperative agreements 
or loans unless the recipient has made an acceptable certification 
regarding lobbying. Under 24 CFR Part 87, applicants, recipients and 
subrecipients of assistance exceeding $100,000 must certify that no 
federal funds have been or will be spent on lobbying activities in 
connection with the assistance. Required Reporting. A certification is 
required at the time application for funds is made that Federally 
appropriated funds are not being or have not been used in violation of 
section 319 and the disclosure will be made of payments for lobbying 
with other than federally appropriated funds. The standard disclosure 
form, SF-LLL, ``Disclosure Form to Report Lobbying'', and the 
certification form must be use to disclose lobbying with other than 
Federally appropriated funds at the time of the application.

Catalog of Federal Domestic Assistance

    The Catalog of Federal Domestic Assistance Program number is 
14.169.

    Dated: April 23, 1997.
Stephanie A. Smith,
General Deputy, Assistant Secretary for Housing-Federal Housing 
Commissioner.

Appendix A--HUD Offices

    Note: The title of all those listed is: Director, Single Family 
Division, U.S. Department of Housing and Urban Development. 
Telephone numbers are not toll-free.

HUD--New England Area

Connecticut State Office

Mr. Gary T. Le Vine, First Floor, 330 Main Street, Hartford, CT 
06106-1860, (203) 240-4569

Massachusetts State Office

Mr. Edward T. Bernard, Room 375, Thomas P. O'Neill, Jr. Federal 
Building, 10 Causeway Street, Boston, MA 02222-1092, (617) 565-5335

New Hampshire State Office

Mr. Loren Cole, Norris Cotton Federal Building, 275 Chestnut Street, 
Manchester, NH 03101-2487, (603) 666-7755

[[Page 23924]]

Rhode Island State Office

Mr. Michael Dziok, Sixth Floor, 10 Weybosset Street, Providence, RI 
02903-2808, (401) 528-5365

HUD--New York, New Jersey Area

New Jersey State Office

Ms. Theresa Arce, Thirteenth Floor, One Newark Center, Newark, NJ 
07102-5260, (201) 622-7900 X3500

New York State Office

Mr. Juan Baustista, 26 Federal Plaza, New York, NY 10278-0068, (212) 
264-0777 X3746

Albany Area Office

Mr. Robert S. Scofield, Jr., 52 Corporate Circle, Albany, NY 12203-
5121, (518) 464-4200 EXT. 4204

Buffalo Area Office

Mr. Glenn Ruggles, Lafayette Court, 465 Main Street, Buffalo, NY 
14203-1780, (716) 846-5752

Camden Area Office

Mr. Philip Caulfield, Second Floor, Hudson Building, 800 Hudson 
Square, Camden, NJ 08102-1156, (609) 757-5083

HUD--Midatlantic Area

District of Columbia Office

Ms. Carole Catineau, 820 First Street, NE, Washington, D.C. 20002-
4502, (202) 275-7543 X3055

Maryland State Office

Ms. Candace Simms, Fifth Floor, City Crescent Building, 10 South 
Howard Street, Baltimore, MD 21201-2505, (410) 962-2520 X3094

Pennsylvania State Office

Mr. Mike Perretta, The Wanamaker Building, 100 Penn Square East, 
Philadelphia, PA 19107-3380, (215) 656-0507

Virginia State Office

Ms. Rheba G. Gwaltney, The 3600 Centre, 3600 West Broad Street, P.O. 
Box 90331, Richmond, VA 23230--0331, (804) 278-4506 X3003

West Virginia State Office

Mr. Peter Minter, Suite 708, 405 Capitol Street, Charleston, WV 
25301-1795, (304) 347-7064 X 7000

Pittsburgh Area Office

Mr. Al Curotola, 339 Sixth Ave., Sixth Floor, Pittsburgh, PA 15222-
2515, (412) 644-2737

HUD--Southeast/Caribbean Area

Alabama State Office

Ms. Martha Andrus, Suite 300, Beacon Ridge Tower, 600 Beacon 
Parkway, West, Birmingham, AL 35209-3144, (205) 290-7360 X1027

Caribbean Office

Ms. Margarita Delgado, New San Juan Office Building, 159 Carlos 
Chardon Avenue, San Juan, PR 00918-1804, (787) 766-5256

Georgia State Office

Ms. Janice Cooper, Richard B. Russell Federal Building, 75 Spring 
Street, S.W., Atlanta, GA 30303-3388, (404) 331-4801 X2145

Kentucky State Office

Mr. David A. Powell, 601 West Broadway, P.O. Box 1044, Louisville, 
KY 40201-1044, (502) 582-6163 X610

Mississippi State Office

Mr. Jerry F. Perkins, Suite 910, Doctor A.H. McCoy Federal Building, 
100 West Capitol Street, Jackson, MS 39269-1016, (601) 965-4930

North Carolina State Office

Mr. Robert Dennis, Koger Building, 2306 West Meadowview Road, 
Greensboro, NC 27407-3707, (910) 547-4053 X4121

South Carolina State Office

Mr. David L. Ball, Strom Thurmond Federal Building, 1835 Assembly 
Street, Columbia, SC 29201-2480, (803) 253-3208

Coral Gables Area Office

Ms. Sara D. Warren, Gables 1 Tower, 1320 South Dixie Highway, Coral 
Gables, FL 33146-2911, (305) 662-4526

Jacksonville Area Office

Ms. Ann Whaley, Suite 2200, Southern Bell Tower, 301 West Bay 
Street, Jacksonville, FL 32202-5121, (904) 232-3627

Knoxville Area Office

Mr. William Pavelchik, Third Floor, John J. Duncan Federal Building, 
710 Locust Street, Knoxville, TN 37902-2526, (423) 545-4377

Memphis Area Office

Mr. Benjamin Davis, Suite 1200, One Memphis, Place, 200 Jefferson 
Avenue, Memphis, TN 38103-2335, (901) 544-3367

Tennessee State Office

Mr. Ed M. Phillips, Suite 200, 251 Cumberland Bend Drive, Nashville, 
TN 37228-1803, (615) 736-5365

Orlando Area Office

Mr. Robert K. Osterman, Suite 270, Langley Building, 3751 Maguire 
Boulevard, Orlando, FL 32803-3032, (407) 648-6441

Tampa Area Office

Ms. Nikki A. Spitzer, Suite 700, Timberlake Federal Building Annex, 
501 East Polk Street, Tampa, FL 33602-3945, (813) 228-2504

HUD--Midwest Area

Illinois State Office

Ms. Debra F. Robinson, Ralph H. Metcalfe Federal Building, 77 West 
Jackson Boulevard, Chicago, IL 60604-3507, (312) 353-6236 X2204

Indiana State Office

Mr. William Fattic, 151 North Delaware Street, Indianapolis, IN 
46204-2526, (317) 226-7034

Michigan State Office

Mr. John Frelich, Patrick V. McNamara Federal Building, 477 Michigan 
Avenue, Detroit, MI 48226-2592, (313) 226-4899

Minnesota State Office

Mr. John E. Buenger, 220 Second Street, South, Minneapolis, MN 
55401-2195, (612) 370-3053

Ohio State Office

Mr. Verlon Shannon, 200 North High Street, Columbus, OH 43215-2499, 
(614) 469-5536

Wisconsin State Office

Mr. Joe Bates, Suite 1380, Henry S. Reuss Federal Plaza, 310 West 
Wisconsin Avenue, Milwaukee, WI 53203-2289, (414) 297-3156

Cincinnati Area Office

Ms. Louistine Tuck, 525 Vine St Suite 700, Cincinnati, OH 45202-
3253, (513) 684-2833

Cleveland Area Office

Mr. Kendel King, Fifth Floor, Renaissance Building, 1350 Euclid 
Avenue, Cleveland, OH 44115-1815, (216) 522-2784

Flint Area Office

Mr. John Frelich, Room 200, 605 North Saginaw Street, Flint, MI 
48502-1953, (810) 766-5107

Grand Rapids Area Office

Ms. Shirley Bryant, 50 Louis St, N.W., Grand Rapids, MI 49503-2648, 
(616) 456-2146

HUD--Southwest Area

Arkansas State Office

Ms. Susan E. Finister, Suite 900, TCBY Tower, 425 West Capitol 
Avenue, Little Rock, AR 72201-3488, (501) 324-5961

Louisiana State Office

Mr. Byron D. Duplantier, 9th Floor, Hale Boggs Federal Building, 501 
Magazine St., New Orleans, LA 70130-3099, (504) 589-6570

New Mexico State Office

Ms. Carol G. Johnson, 625 Truman Street, NE, Albuquerque, NM 87110-
6443, (505) 262-6269 X238

Texas State Office

Mr. Louis Ybarra, 1600 Throckmorton Street, P.O. Box 2905, Fort 
Worth, TX 76113-2905, (817) 885-6259 X3001

Houston Area Office

Mr. Henry Hadnot, Suite 200, Norfolk Tower 2211 Norfolk, Houston, TX 
77098-4096, (713) 313-2274 EXT. 7019

Lubbock Area Office

Mr. Miguel Rincon, Federal Office Building 1205 Texas Avenue, 
Lubbock, TX 79401-4093, (806) 743-7291

Oklahoma State Office

Mr. Ken Beck, 500 West Main St., Suite 400, Oklahoma City, OK 73102-
2233, (405) 553-7444

San Antonio Area Office

Mr. Antonio C. Cabral, Washington Square, 800 Dolorosa Street, San 
Antonio, TX 78207-4563, (210) 472-6898

Shreveport Area Office

Ms. Martha Sakre, Suite 1510, 401 Edwards Street, Shreveport, LA 
71101-3107, (318) 676-3440

[[Page 23925]]

Tulsa Area Office

Mr. Ken Beck, 50 East 15th Street, Suite 110, Tulsa, OK 74119-4032, 
(918) 581-7168 X3027

HUD--Great Plains

Iowa State Office

Mr. Patrick Liao, Room 239, Federal Building, 210 Walnut Street, Des 
Moines, IA 50309-2155, (515) 284-4435

Kansas/Missouri State Office

Mr. Deryl Sellmeyer, Room 200, Gateway Tower II, 400 State Avenue, 
Kansas City, KS 66101-2406, (913) 551-6820

Nebraska State Office

Ms. Nancy Sheets, Executive Tower Centre, 10909 Mill Valley Road, 
Omaha, NE 68154-3955, (402) 492-3135

Saint Louis Area Field Office

Mr. Dennis Martin, Third Floor, Robert A. Young Federal Building 
1222 Spruce Street, St. Louis, MO 63103-2836, (314) 539-6388

HUD--Rocky Mountains Area

Colorado State Office

Mr. Ron Bailey (Acting), First Interstate Tower North, 633 17th 
Street, Denver, CO 80202-3607, (303) 672-5343

Montana State Office

Mr. Gerard Boone, Room 340, Federal Office Building, Drawer 10095, 
301 S. Park, Helena, MT 59626-0095, (406) 441-1300

Utah State Office

Mr. Richard P. Bell, Suite 550, 257 Tower, 257 East, 200 South, Salt 
Lake City, UT 84111-2048, (801) 524-5237

HUD--Pacific/Hawaii Area

Arizona State Office

Ms. Bernice Campbell, Suite 1600, Two Arizona Center, 400 North 5th 
Street, Phoenix, AZ 85004-2361, (602) 379-6704

California State Office

Mr. James McClanahan, Philip Burton Federal Building and U.S. 
Courthouse 450 Golden Gate Avenue, P.O. Box 36003, San Francisco, CA 
94102-3448, (415) 436-6518

Hawaii State Office

Ms. Jill B. Hurt, 7 Waterfront Plaza (Suite 500), 500 Ala Moana 
Boulevard, Honolulu, HI 96813-4918, (808) 522-8190 X251

Nevada State Office and Reno

Ms. Sharon Atwell, Suite 700, Atrium Building, 333 No. Rancho Drive, 
Las Vegas, NV 89106-3714, (702) 388-6500 X1802

Fresno Area Office

Ms. Yvielle Edwards-Lee, Suite 138, 1630 E. Shaw Avenue, Fresno, CA 
93710-8193, (209) 487-5032

Los Angeles Area Office

Mr. Malcolm Findley, 1615 West Olympic Boulevard, Los Angeles, CA 
90015-3801, (213) 251-7220

Reno Area Office--see Nevada

Sacramento Area Office

Mr. Ron M. Johnson, Suite 200, 777 12th Avenue, Sacramento, CA 
95814-1997, (916) 498-5220 X282

San Diego Area Office

Mr. Danny E. Mendez, Mission City Corporate Center, 2365 Northside 
Drive (Suite 300), San Diego, CA 92108-2712, (619) 557-2610 X227

Santa Ana Area Office

Mr. David A. Westerfield, Suite 500, 3 Hutton Centre, Santa Ana, CA 
92707-5764, (714) 957-3745

Tucson Area Office

Ms. Bernice Campbell, Suite 700, Security Pacific Bank Plaza, 33 
North Stone Avenue, Tucson, AZ 85701-1467, (520) 670-6000

HUD--Northwest/Alaska Area

Alaska State Office

Mr. Paul O. Johnson, Suite 401, University Plaza Building, 949 East 
36th Avenue, Anchorage, AK 99508-4399, (907) 271-4610

Idaho State Office

Mr. Gary L. Gillespie, Suite 220, Plaza IV, 800 Park Boulevard, 
Boise, ID 83712-7743, (208) 334-1991

Oregon State Office

Ms. Pamela D. West, 400 S.W. Sixth Ave., Suite 700, Portland, OR 
97204, (503) 326-2684

Washington State Office

Mr. David L. Rodgers, Suite 200, Seattle Federal Office Building, 
909 First Avenue, Seattle, WA 98104-1000, (206) 220-5200 X3252

[FR Doc. 97-11273 Filed 4-30-97; 8:45 am]
BILLING CODE 4210-27-P