### **CHAPTER 13—NATIONAL HOUSING**

Sec.
1701.
Short title.
1701a.
Short title of amendment of 1938.
1701b.
Short title of amendment of 1942.
1701c.
Secretary of Housing and Urban Development.
1701c–1 to 1701d–3. Omitted or Repealed.
1701d–4.
Exchange and assembly of housing and urban planning and development data; payment of expenses; acceptance of funds, services, facilities, materials, and other donations; approval of Secretary of State for international programs and activities.
1701e to 1701g–4. Repealed or Omitted.
1701g–5.
Revolving fund in connection with liquidating programs.
1701g–5a.
Transfer of New Communities Fund assets and liabilities.
1701g–5b.
Liquidation of New Communities Program; cancellation of debt.
1701g–5c.
Transfer of rehabilitation loan fund assets and liabilities.
1701h.
Advisory committees; payment of transportation and other expenses.
1701h–1.
Housing for elderly persons advisory committee.
1701i, 1701i–1, 1701j. Omitted or Repealed.
1701j–1.
Builder's certification as to construction.
1701j–2.
National Institute of Building Sciences.
1701j–3.
Preemption of due-on-sale prohibitions.
1701k.
Right to redeem property on which United States has lien.
1701 l.
Limitation on interest rates of insured mortgages; terms of sales.
1701l–1.
Mortgage proceeds fraudulently misappropriated by mortgagor; recovery of deficiency after foreclosure.
1701m.
Credit and cancellation of notes transferred from Reconstruction Finance Corporation; net loss computation.
1701n.
Reduction of vulnerability of congested urban areas to enemy attack.
1701 o.
Annual report of Secretary.
1701p.
Contents of report to President and Congress.
1701p–1.
Periodic report on residential mortgage delinquencies and foreclosures.
1701p–2.
Default and foreclosure database.
1701q.
Supportive housing for the elderly.
1701q–1.
Civil money penalties against mortgagors under section 1701q of this title.
1701q–2.
Grants for conversion of elderly housing to assisted living facilities and other purposes.
1701q–3.
Funds for housing for elderly and persons with disabilities available for cost of maintenance and disposal of such properties.
1701r.
Congressional findings respecting housing for senior citizens.
1701r–1.
Pet ownership in assisted rental housing for the elderly or handicapped.
1701s.
Rent supplement payments for qualified lower income families.
1701t.
Congressional affirmation of national goal of decent homes and suitable living environment for American families.
1701u.
Economic opportunities for low- and very low-income persons.
1701v.
Congressional findings and declaration for improved architectural design in Government housing programs.
1701w.
Budget, debt management, and related counseling services for mortgagors; authorization of appropriations.
1701x.
Assistance with respect to housing for low- and moderate-income families.
1701x–1.
Home inspection counseling.
1701x–2.
Legal assistance for foreclosure-related issues.
1701y.
National Homeownership Foundation.
1701z.
New technologies in the development of housing for lower income families.
1701z–1.
Research and demonstrations; authorization of appropriations; continuing availability of funds.
1701z–2.
Advanced technologies, methods, and materials for housing construction, rehabilitation, and maintenance.
1701z–3.
Experimental housing allowance payment program.
1701z–4.
Abandoned properties demonstration project.
1701z–5.
Demonstrations of heating or cooling residential housing utilizing solar energy.
1701z–6.
Special housing need research and demonstration authority.
1701z–7.
Studies to determine extent of need for counseling to mortgagors; report to Congress.
1701z–8.
Energy conservation and renewable-resource demonstration.
1701z–9.
Expansion of home ownership opportunities in urban areas.
1701z–10.
Model rehabilitation guidelines in inspection and approval of rehabilitated properties; report to Congress.
1701z–10a.
Biennial survey of economic and housing market conditions.
1701z–11.
Management and disposition of multifamily housing projects.
1701z–12.
Housing access.
1701z–13.
Solar energy for single-family and multifamily housing units.
1701z–14.
Lower cost technology demonstration program.
1701z–15.
Approval of individual residential water purification or treatment units.
1701z–16.
Energy efficient mortgages pilot program.
1701z–17.
Increasing access and understanding of energy efficient mortgages.

#### SUBCHAPTER I—HOUSING RENOVATION AND MODERNIZATION

1702.
Administrative provisions.
1702a.
Repealed.
1703.
Insurance of financial institutions.
1704.
Repealed.
1705.
Allocation of funds.
1706, 1706a.
Repealed.
1706b.
Taxation of real property held by Secretary.
1706c.
Insurance of mortgages.
1706d.
Applicability.
1706e.
Repealed.
1706f.
Prohibition against kickbacks and unearned fees.

#### SUBCHAPTER II—MORTGAGE INSURANCE

1707.
Definitions.
1708.
Federal Housing Administration operations.
1709.
Insurance of mortgages.
1709–1.
Repealed.
1709–1a.
State constitutional and legal limits upon interest chargeable on loans, mortgages, or other interim financing arrangements; applicability; covered arrangements.
1709–2.
Equity skimming; penalty; persons liable; one dwelling exemption.
1709a.
Determination of loan-to-value ratios.
1709b.
Repealed.
1710.
Payment of insurance.
1711.
General Surplus and Participating Reserve Accounts.
1712.
Investment of funds.
1712a.
Indexing of FHA multifamily housing loan limits.
1713.
Rental housing insurance.
1714.
Taxation.
1715.
Statistical and economic surveys.
1715a.
Repealed.
1715b.
Rules and regulations.
1715c.
Labor standards.
1715d.
Insurance of mortgages on property in Alaska, Guam, Hawaii, and Virgin Islands.
1715e.
Cooperative housing insurance.
1715f.
Process of applications and issuance of commitments.
1715g.
Insurance of mortgage where mortgagor is not occupant of property.
1715h to 1715j.
Repealed.
1715k.
Rehabilitation and neighborhood conservation housing insurance.
1715 l.
Housing for moderate income and displaced families.
1715m.
Repealed.
1715n.
Miscellaneous mortgage insurance.
1715 o.
Interest rate on debentures; method of establishment.
1715p.
Insurance of advances under open-end mortgages; payment of charges; eligibility and conditions.
1715q.
Delivery of statement of appraisal or estimates to home buyers.
1715r.
Requirement of builder's cost certification; definitions.
1715s.
Treatment of mortgages covering tax credit projects.
1715t.
Voluntary termination of insurance.
1715u.
Authority to assist mortgagors in default.
1715v.
Insurance of mortgages for housing for elderly persons.
1715w.
Mortgage insurance for nursing homes, intermediate care facilities, and board and care homes.
1715x.
Experimental housing insurance.
1715y.
Mortgage insurance for condominiums.
1715z.
Homeownership or membership in cooperative association for lower income families.
1715z–1.
Rental and cooperative housing for lower income families.
1715z–1a.
Assistance for troubled multifamily housing projects.
1715z–1b.
Tenant participation in multifamily housing projects.
1715z–1c.
Regulation of rents in insured projects.
1715z–2.
Repealed.
1715z–3.
Special Risk Insurance Fund.
1715z–4.
Modifications in terms of mortgages covering multifamily projects; requests for extensions to cure defaults or for modification of mortgage terms; regulations.
1715z–4a.
Double damages remedy for unauthorized use of multifamily housing project assets and income.
1715z–5.
Purchase of fee simple title from lessors.
1715z–6.
Supplemental loans for multifamily projects.
1715z–7.
Mortgage insurance for hospitals.
1715z–8.
Mortgage assistance payments for middle-income families.
1715z–9.
Co-insurance of eligible mortgage, advance, or loan.
1715z–10.
Repealed.
1715z–11.
Sale to cooperatives of multifamily housing projects acquired by Secretary; acceptance of purchase money mortgage for sale or insurance of mortgage; principal amount of mortgage; expenditures for repairs, etc., prior to sale.
1715z–11a.
Disposition of HUD-owned properties.
1715z–12.
Single-family mortgage insurance on Hawaiian home lands.
1715z–13.
Single family mortgage insurance on Indian reservations.
1715z–13a.
Loan guarantees for Indian housing.
1715z–13b.
Loan guarantees for Native Hawaiian housing.
1715z–14.
Risk-sharing demonstration.
1715z–15.
Limitation on prepayment of mortgages on multifamily rental housing.
1715z–16.
Adjustable rate single family mortgages.
1715z–17.
Shared appreciation mortgages for single family housing.
1715z–18.
Shared appreciation mortgages for multifamily housing.
1715z–19.
Equity skimming penalty.
1715z–20.
Insurance of home equity conversion mortgages for elderly homeowners.
1715z–21.
Delegation of insuring authority to direct endorsement mortgagees.
1715z–22.
Multifamily mortgage credit programs.
1715z–22a.
Definitions.
1715z–23.
HOPE for Homeowners Program.
1715z–24.
Pilot program for automated process for borrowers without sufficient credit history.
1715z–25.
Mortgage modification data collecting and reporting.

#### SUBCHAPTER III—NATIONAL MORTGAGE ASSOCIATIONS

1716.
Declaration of purposes of subchapter.
1716–1, 1716a.
Repealed.
1716b.
Partition of Federal National Mortgage Association into Federal National Mortgage Association and Government National Mortgage Association; assets and liabilities; operations.
1717.
Federal National Mortgage Association and Government National Mortgage Association.
1717a.
Prohibition against sale of obligations by Federal departments and agencies after June 30, 1966, without compliance with requirements of section 1717(c) of this title or without approval by Secretary of the Treasury; exemption.
1718.
Capitalization of Federal National Mortgage Association.
1719.
Secondary market operations.
1720.
Repealed.
1721.
Management and liquidation functions of Government National Mortgage Association.
1722.
Benefits and burdens incident to administration of functions and operations under sections 1720 and 1721.
1723.
Management.
1723a.
General powers of Government National Mortgage Association and Federal National Mortgage Association.
1723b.
Investment of funds.
1723c.
Obligations, participations, or other instruments as lawful investments; acceptance as security; exempt securities.
1723d.
Transfer of certain functions to Association.
1723e to 1723h.
Repealed.
1723i.
Civil money penalties against issuers.

#### SUBCHAPTER IV—INSURANCE OF SAVINGS AND LOAN ACCOUNTS

1724 to 1730i.
Repealed.

#### SUBCHAPTER V—MISCELLANEOUS

1731.
Repealed.
1731a.
Penalties.
1731b.
Prohibition against transient housing.
1732.
Separability.
1733.
Application of other laws.
1734.
Amendment, extension, or increase of commitment amounts.
1735.
Payment of certain funds to Treasury.
1735a.
Prepayment of mortgages by nonprofit educational institutions; refunds.
1735b.
Expenditures to correct or reimburse for structural or other major defects in mortgaged homes.
1735c.
General Insurance Fund.
1735d.
Payment of insurance benefits in cash or debentures; borrowing money from Treasury to make payments.
1735e.
Acceptance of materials or products used in structures.
1735e–1.
Use of American materials and products.
1735f.
Water and sewerage facilities.
1735f–1.
Waiver of deduction on assignment of property to Secretary in lieu of foreclosure.
1735f–2.
Uniform rehabilitation standards for housing within and without urban renewal areas.
1735f–3.
Insurance of mortgage proceeds advanced during construction or rehabilitation or prior to final endorsement of project mortgage.
1735f–4.
Minimum property standards.
1735f–5.
Prohibition against discrimination on account of sex in extension of mortgage assistance; consideration of combined income of husband and wife for purpose of extending mortgage credit; definitions.
1735f–6.
Secondary mortgages held by State or local governmental agency on insured properties.
1735f–7.
Exemption from State usury laws; applicability.
1735f–7a.
State constitution or laws limiting mortgage interest, discount points, and finance or other charges; exemption for obligations made after March 31, 1980.
1735f–8.
Time of payment of premium charges.
1735f–9.
Limitation on commitments to insure loans and mortgages.
1735f–10.
Change of mortgagee status.
1735f–11.
Review of mortgagee performance and authority to terminate.
1735f–12.
Assurance of adequate processing of applications for loan and mortgage insurance.
1735f–13.
Prohibition of requirement of minimum principal loan amount.
1735f–14.
Civil money penalties against mortgagees, lenders, and other participants in FHA programs.
1735f–15.
Civil money penalties against multifamily mortgagors.
1735f–16.
Annual audited financial statements.
1735f–17.
Examinations and sanctions for certain violations.
1735f–18.
Information regarding early defaults and foreclosures on insured mortgages.
1735f–19.
Partial payment of claims on defaulted mortgages and in connection with mortgage restructuring.
1735f–20.
Authorization of appropriations for General and Special Risk Insurance Funds.
1735g.
Mortgage relief for homeowners who are unemployed as result of closing of Federal installation.
1735h.
Repealed.

#### SUBCHAPTER VI—WAR HOUSING INSURANCE

1736.
Definitions.
1737.
Repealed.
1738.
Insurance of mortgages.
1739.
Mortgage insurance benefits.
1740.
Repealed.
1741.
State taxation of realty held by Secretary.
1742.
Rules and regulations.
1743.
Insurance of mortgages.
1744.
Insurance of loans for manufacture of houses.
1745.
Insurance of mortgages on sales of Government housing; limits and conditions; Greenbelt towns; State housing.
1746.
Insurance on mortgages on large-scale housing projects.
1746a.
Termination of commitment authority under this subchapter.

#### SUBCHAPTER VII—INSURANCE FOR INVESTMENTS IN RENTAL HOUSING FOR FAMILIES OF MODERATE INCOME

1747.
Purpose of subchapter; authorization; terms and conditions; expiration of insurance contract.
1747a.
Eligibility for insurance.
1747b.
Premium charges; fees for examination and inspection.
1747c.
Rent schedules.
1747d.
Excess earnings used for amortization of original investment.
1747e.
Financial statements by Secretary.
1747f.
Payment of claims; assignment of benefits by investors.
1747g.
Debentures.
1747h.
Termination of insurance contract by investor.
1747i.
Repealed.
1747j.
Taxation of real property.
1747k.
Rules and regulations.
1747 l.
Definitions.

#### SUBCHAPTER VIII—ARMED SERVICES HOUSING MORTGAGE INSURANCE

1748.
Definitions.
1748a.
Repealed.
1748b.
Insurance of mortgages.
1748c.
Repealed.
1748d.
Lease of property; terms and conditions.
1748e.
Mortgages on property in Alaska.
1748f.
Rules and regulations.
1748g.
Cost certification.
1748g–1, 1748h.
Omitted.
1748h–1.
Civilian employees of Armed Forces.
1748h–2.
Insurance of mortgages for defense housing for impacted areas.
1748h–3.
Payments in lieu of taxes; limitations; exemption from taxation.
1748i.
Omitted.

#### SUBCHAPTER IX—HOUSING FOR EDUCATIONAL INSTITUTIONS

1749 to 1749c.
Repealed.
1749d.
Cost of inspections and of providing representatives.

#### SUBCHAPTER IX–A—MORTGAGE INSURANCE FOR LAND DEVELOPMENT AND NEW COMMUNITIES

1749aa to 1749ll. Repealed.

#### SUBCHAPTER IX–B—MORTGAGE INSURANCE FOR GROUP PRACTICE FACILITIES AND MEDICAL PRACTICE FACILITIES

1749aaa.
Insurance of mortgages.
1749aaa–1.
Premiums and other charges.
1749aaa–2.
Payment of insurance benefits.
1749aaa–3.
Regulations.
1749aaa–4.
Administration.
1749aaa–5.
Definitions.

#### SUBCHAPTER IX–C—NATIONAL INSURANCE DEVELOPMENT PROGRAM

1749bbb to 1749bbb–2. Omitted.

#### Part A—Statewide Plans To Assure Fair Access to Insurance Requirements

1749bbb–3 to 1749bbb–6a. Omitted.

#### Part B—Reinsurance Coverage

1749bbb–7 to 1749bbb–10. Omitted.

#### Part C—Federal Insurance Against Burglary and Theft

1749bbb–10a to 1749bbb–10d. Omitted.

#### Part D—General Provisions

1749bbb–11 to 1749bbb–21. Omitted.

#### SUBCHAPTER X—NATIONAL DEFENSE HOUSING INSURANCE

1750.
Definitions.
1750a, 1750a–1.
Repealed or Omitted.
1750b.
Insurance in critical areas.
1750c.
Mortgage insurance benefits.
1750d.
Repealed.
1750e.
Taxation.
1750f.
Rules and regulations.
1750g.
Insurance of additional mortgages.

#### SUBCHAPTER XI—VOLUNTARY HOME MORTGAGE CREDIT

1750aa to 1750jj. Omitted.