II 

118TH CONGRESS 

2D SESSION S. 5027 

To increase access to affordable housing, reduce regulatory barriers, increase 

oversight, and assist the most vulnerable. 

IN THE SENATE OF THE UNITED STATES 

SEPTEMBER 11, 2024 

Mr. SCOTT of South Carolina (for himself, Mr. CRAPO, Mr. ROUNDS, Mr. 

HAGERTY, Ms. LUMMIS, Mrs. BRITT, Mr. CRAMER, and Mr. DAINES) introduced the following bill; which was read twice and referred to the Committee on Banking, Housing, and Urban Affairs 

A BILL 

To increase access to affordable housing, reduce regulatory 

barriers, increase oversight, and assist the most vulnerable. 

1 Be it enacted by the Senate and House of Representa2 tives of the United States of America in Congress assembled, 

3 SECTION 1. SHORT TITLE; TABLE OF CONTENTS. 

4 (a) SHORT TITLE.—This Act may be cited as the 

5 ‘‘Renewing Opportunity in the American Dream to Hous6 ing Act’’ or the ‘‘ROAD to Housing Act’’. 

7 (b) TABLE OF CONTENTS.—The table of contents for 

8 this Act is as follows: 

Sec. 1. Short title; table of contents. 

TITLE I—IMPROVING FINANCIAL LITERACY 


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Sec. 101. Reforms to housing counseling and financial literacy programs. 

TITLE II—INCREASING ACCESS TO HOUSING 

Sec. 201. Rental assistance demonstration program. 

Sec. 202. Creating incentives for small dollar loan originators. 

Sec. 203. Small dollar mortgage points and fees. 

TITLE III—REGULATORY FLEXIBILITY 

Sec. 301. Authorization of Moving to Work Program. 

Sec. 302. Improving self-sufficiency of families in HUD-subsidized housing. 

Sec. 303. Updating the definition of manufactured home. 

TITLE IV—SERVING THE MOST VULNERABLE 

Sec. 401. Incentivizing local solutions to homelessness. 

TITLE V—PROMOTING OPPORTUNITY 

Sec. 501. Increasing housing in opportunity zones. 

TITLE VI—GOOD GOVERNANCE 

Sec. 601. Requiring annual testimony and oversight from housing regulators. 

Sec. 602. FHA reporting requirements on safety and soundness. 

Sec. 603. United States Interagency Council on Homelessness. 

Sec. 604. Neighborhood Reinvestment Corporation oversight. 

1 TITLE I—IMPROVING FINANCIAL 

2 LITERACY 

3 SEC. 101. REFORMS TO HOUSING COUNSELING AND FINAN4 CIAL LITERACY PROGRAMS. 

5 (a) IN GENERAL.—Section 106 of the Housing and 

6 Urban Development Act of 1968 (12 U.S.C. 1701x) is 

7 amended— 

8 (1) in subsection (a)(4)— 

9 (A) in subparagraph (B), by striking ‘‘sub10 paragraph (D)’’ and inserting ‘‘subparagraph 

11 (E)’’; 

12 (B) in subparagraph (C), by striking ‘‘ade13 quate distribution’’ and all that follows through 


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1 ‘‘foreclosure rates’’ and inserting ‘‘that the re2 cipients are geographically diverse and include 

3 organizations that serve urban or rural areas’’; 

4 (C) by redesignating subparagraphs (D), 

5 (E), and (F) as subparagraphs (E), (F), and 

6 (G), respectively; and 

7 (D) by inserting after subparagraph (C) 

8 the following: 

9 ‘‘(D) PRIORITY CONSIDERATION.—In dis10 tributing assistance made available under this 

11 paragraph, the Secretary shall give priority con12 sideration to entities serving areas with the 

13 highest home foreclosure rates.’’. 

14 (2) in subsection (e), by adding at the end the 

15 following: 

16 ‘‘(6) CONSIDERATIONS.— 

17 ‘‘(A) COVERED MORTGAGE LOAN DE18 FINED.—In this paragraph, the term ‘covered 

19 mortgage loan’ means any loan which is secured 

20 by a first or subordinate lien on residential real 

21 property (including individual units of con22 dominiums and cooperatives) designed prin23 cipally for the occupancy of from 1- to 4-fami24 lies that is— 


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1 ‘‘(i) insured by the Federal Housing 

2 Administration under title II of the Na3 tional Housing Act (12 U.S.C. 1707 et 

4 seq.); or 

5 ‘‘(ii) guaranteed under section 184 or 

6 184A of the Housing and Community De7 velopment Act of 1992 (12 U.S.C. 1715z– 

8 13a, 1715z–13b). 

9 ‘‘(B) COMPARISON.—For each counselor 

10 employed by an organization receiving assist11 ance under this section, the Secretary shall con12 sider the competence of the counselor compared 

13 to the default rate of all counseled borrowers of 

14 a covered mortgage loan in comparable mar15 kets, and such other factors as the Secretary 

16 determines appropriate to further the purposes 

17 of this section. 

18 ‘‘(7) SUSPENSION OF CERTIFICATION.—If, 

19 based on the comparison required under paragraph 

20 (6)(B), the Secretary determines that a counselor 

21 lacks competence to provide counseling in the areas 

22 described in subsection (e)(2), the Secretary may— 

23 ‘‘(A) require retesting of the individual; or 

24 ‘‘(B) suspend the certification under this 

25 subsection for the individual.’’; and 


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1 (3) in subsection (i)— 

2 (A) by redesignating paragraph (3) as 

3 paragraph (4); and 

4 (B) by inserting after paragraph (2) the 

5 following: 

6 ‘‘(3) TERMINATION OF ASSISTANCE.— 

7 ‘‘(A) IN GENERAL.—The Secretary may 

8 deny future covered assistance to an organiza9 tion or entity receiving covered assistance if the 

10 Secretary determines that the organization or 

11 entity, or the individual through which the or12 ganization or entity provides such counseling, 

13 presents an unacceptable risk to families ac14 cessing counseling services or the programs 

15 under which covered mortgage loans (as defined 

16 in subsection (e)(6)(A)), which determination 

17 shall be— 

18 ‘‘(i) based on the comparison required 

19 under subsection (e)(6)(B); and 

20 ‘‘(ii) made in accordance with regula21 tions issued by the Secretary. 

22 ‘‘(B) NOTICE.— 

23 ‘‘(i) IN GENERAL.—The Secretary 

24 shall give an organization or entity receiv25 ing covered assistance at least 60 days 


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1 prior written notice of any termination 

2 under this paragraph, and the termination 

3 shall take effect at the end of the notice 

4 period, unless the Secretary withdraws the 

5 termination notice or extends the notice 

6 period. 

7 ‘‘(ii) INFORMAL CONFERENCE.—If re8 quested in writing by the organization or 

9 entity within 30 days of the date of the no10 tice described in clause (i), the organiza11 tion or entity shall be entitled to an infor12 mal conference with the official authorized 

13 to issue termination notices on behalf of 

14 the Secretary (or a designee of that offi15 cial) at which the organization or entity 

16 may present for consideration specific fac17 tors that the organization or entity believes 

18 were beyond the control of the organization 

19 or entity and that caused the excessive de20 fault rates.’’. 

21 (b) OFFERING FORECLOSURE MITIGATION COUN22 SELING.— 

23 (1) COVERED MORTGAGE LOAN DEFINED.—In 

24 this subsection, the term ‘‘covered mortgage loan’’ 

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1 dinate lien on residential real property (including in2 dividual units of condominiums and cooperatives) de3 signed principally for the occupancy of from 1- to 4- 

4 families that is— 

5 (A) insured by the Federal Housing Ad6 ministration under title II of the National 

7 Housing Act (12 U.S.C. 1707 et seq.); 

8 (B) guaranteed under section 184 or 184A 

9 of the Housing and Community Development 

10 Act of 1992 (12 U.S.C. 1715z–13a, 1715z– 

11 13b); 

12 (C) made, guaranteed, or insured by the 

13 Department of Veterans Affairs; or 

14 (D) made, guaranteed, or insured by the 

15 Department of Agriculture. 

16 (2) OPPORTUNITY FOR BORROWERS.—A bor17 rower with respect to a covered mortgage loan who 

18 is 60 days or more delinquent on payments for the 

19 covered mortgage loan shall be given an opportunity 

20 to participate in housing counseling. 

21 (3) COST.—The cost of counseling for delin22 quent borrowers described in paragraph (2) with re23 spect to a covered mortgage loan described in para24 graph (1)(A) shall be paid for by the Mutual Mort25 gage Insurance Fund, as authorized under section 


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1 203(r)(4) of the National Housing Act (12 U.S.C. 

2 1709(r)(4)). 

3 TITLE II—INCREASING ACCESS 

4 TO HOUSING 

5 SEC. 201. RENTAL ASSISTANCE DEMONSTRATION PRO6 GRAM. 

7 The language under the heading ‘‘Rental Assistance 

8 Demonstration’’ in the Department of Housing and Urban 

9 Development Appropriations Act, 2012 (Public Law 112– 

10 55), is amended— 

11 (1) by striking the second proviso; and 

12 (2) by striking the fourth proviso. 

13 SEC. 202. CREATING INCENTIVES FOR SMALL DOLLAR 

14 LOAN ORIGINATORS. 

15 (a) SMALL DOLLAR MORTGAGE DEFINED.—In this 

16 section, the term ‘‘small dollar mortgage’’ means a mort17 gage loan having an original principal obligation of not 

18 more than $70,000 that is— 

19 (1) secured by real property designed for the 

20 occupancy of 1 to 4 families; and 

21 (2)(A) insured by the Federal Housing Admin22 istration under title II of the National Housing Act 

23 (12 U.S.C. 1707 et seq.); 

24 (B) made, guaranteed, or insured by the De25 partment of Veterans Affairs; 


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1 (C) made, guaranteed, or insured by the De2 partment of Agriculture; or 

3 (D) eligible to be purchased or securitized by 

4 the Federal Home Loan Mortgage Corporation or 

5 the Federal National Mortgage Association. 

6 (b) REQUIREMENT TO UPDATE REGULATIONS.—Not 

7 later than 270 days after the date of enactment of this 

8 Act, the Director of the Bureau of Consumer Financial 

9 Protection shall issue regulations to update part 1026 of 

10 title 12, Code of Federal Regulations (commonly referred 

11 to as ‘‘Regulation Z’’) to provide flexibilities for loan origi12 nator compensation that encourage origination of small 

13 dollar mortgages. 

14 SEC. 203. SMALL DOLLAR MORTGAGE POINTS AND FEES. 

15 (a) DEFINITION.—In this section, the term ‘‘small 

16 dollar mortgage’’ means a mortgage with an original prin17 cipal obligation of less than $70,000. 

18 (b) AMENDMENTS REQUIRED.—Not later than 270 

19 days after the date of enactment of this Act, the Director 

20 of the Bureau of Consumer Financial Protection, in con21 sultation with the Secretary of Housing and Urban Devel22 opment and the Director of the Federal Housing Finance 

23 Agency, shall amend the limitations with respect to points 

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1 eral Regulations, or any successor regulation, to encourage 

2 additional lending for small dollar mortgages. 

3 TITLE III—REGULATORY 

4 FLEXIBILITY 

5 SEC. 301. AUTHORIZATION OF MOVING TO WORK PRO6 GRAM. 

7 (a) PROGRAM REFORMS.—Section 204 of the Depart8 ments of Veterans Affairs and Housing and Urban Devel9 opment, and Independent Agencies Appropriations Act, 

10 1996 (42 U.S.C. 1437f note) is amended— 

11 (1) in the section heading, by striking ‘‘DEM12 ONSTRATION’’ and inserting ‘‘PROGRAM’’; 

13 (2) by striking subsection (a) and inserting the 

14 following: 

15 ‘‘(a) PURPOSES.—The purposes of the program 

16 under this section are as follows: 

17 ‘‘(1) ECONOMIC INDEPENDENCE.—To develop 

18 measures to promote economic independence for 

19 families with children whose head of household is 

20 working, seeking work, or preparing for work, and 

21 for persons who are able to work, to obtain employ22 ment and become economically independent, by par23 ticipating in job training, educational programs, or 

24 other supportive services and programs that assist in 

25 meeting such goal. 


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1 ‘‘(2) FLEXIBILITY AND COST-EFFECTIVE2 NESS.—To give public housing agencies and the Sec3 retary of Housing and Urban Development the flexi4 bility to design and implement various approaches 

5 for providing and administering housing assistance 

6 that reduce cost and achieve greater cost effective7 ness in Federal expenditures. 

8 ‘‘(3) HOUSING CHOICE.—To increase housing 

9 choices for low-income families.’’; 

10 (3) in subsection (b)— 

11 (A) by striking ‘‘(b) PROGRAM AUTHOR12 ITY.—The Secretary’’ and inserting the fol13 lowing: 

14 ‘‘(b) PROGRAM AUTHORITY.— 

15 ‘‘(1) IN GENERAL.—The Secretary’’; 

16 (B) in the first sentence, by striking ‘‘con17 duct a demonstration program’’ and all that fol18 lows through ‘‘Indian housing program and’’ 

19 and inserting ‘‘carry out a program under this 

20 section under which public housing agencies ad21 ministering the public housing program or’’; 

22 (C) by inserting after the first sentence the 

23 following: ‘‘There shall be no limitation on the 

24 number of public housing agencies that may 

25 participate in the program under this section.’’; 


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1 (D) by striking ‘‘The Secretary shall’’ and 

2 all that follows through ‘‘demonstration.’’ and 

3 inserting the following: 

4 ‘‘(2) IDENTIFICATION OF REPLICABLE MOD5 ELS.—The Secretary shall provide training and tech6 nical assistance under the program and conduct de7 tailed evaluations of various agencies to identify 

8 replicable program models promoting the purposes 

9 of the program.’’; 

10 (E) by striking ‘‘Under the demonstration’’ 

11 and inserting the following: 

12 ‘‘(3) COMBINATION OF ASSISTANCE.—Under 

13 the program under this section’’; and 

14 (F) by striking ‘‘operating assistance pro15 vided under section 9 of the United States 

16 Housing Act of 1937, modernization assistance 

17 provided under section 14’’ and inserting 

18 ‘‘amounts provided to the agency from the Op19 erating Fund under section 9(e) of the United 

20 States Housing Act of 1937, amounts provided 

21 to the agency from the Capital Fund under sec22 tion 9(d)’’; 

23 (4) in subsection (c)— 


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1 (A) in the matter preceding paragraph (1), 

2 by striking ‘‘demonstration’’ and inserting ‘‘pro3 gram under this section’’; 

4 (B) in paragraph (1), by striking ‘‘9, and 

5 14’’ and inserting ‘‘9(d), and 9(e)’’; 

6 (C) in paragraph (3)— 

7 (i) in subparagraph (A), by striking 

8 ‘‘demonstration’’; 

9 (ii) in subparagraph (B)— 

10 (I) by striking ‘‘self-sufficiency’’ 

11 and inserting ‘‘economic independ12 ence’’; and 

13 (II) by striking ‘‘purpose of this 

14 demonstration’’ and inserting ‘‘pur15 pose of the program under subsection 

16 (a)(1)’’; 

17 (iii) in subparagraph (D), by striking 

18 ‘‘demonstration’’ and inserting ‘‘program 

19 under this section;’’; 

20 (iv) in subparagraph (E), by striking 

21 ‘‘demonstration program’’ and inserting 

22 ‘‘program under this section’’; 

23 (v) by redesignating subparagraphs 

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1 graphs (B), (C), (D), (G), and (H), respec2 tively; 

3 (vi) by inserting before subparagraph 

4 (B), as so redesignated, the following: 

5 ‘‘(A) actions to be taken under the pro6 posed program to achieve the purposes of the 

7 program under paragraphs (1), (2), and (3) of 

8 subsection (a);’’; and 

9 (vii) by inserting after subparagraph 

10 (D), as so redesignated, the following: 

11 ‘‘(E) hardship exceptions consistent with 

12 the purposes under subsection (a) under which 

13 tenants may be temporarily exempted from 

14 compliance with the program operated by the 

15 agency in the event of extenuating cir16 cumstances preventing such compliance and a 

17 process that provides tenants with recourse to 

18 a speedy determination regarding such an ex19 ception and makes available the contents and 

20 results of such a determination available to the 

21 public and the board of directors or other gov22 erning body on request of the tenant concerned 

23 and the director or other head official of the 

24 agency; 


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1 ‘‘(F) providing assisted families and par2 ticipants in the program operated by the agency 

3 with an informal administrative hearing or 

4 grievance process, prior to any eviction or ter5 mination of assistance, which process shall 

6 make the content and determination of the 

7 hearing available to the public and the board of 

8 directors or other governing body on request of 

9 the tenant concerned and the director or other 

10 head official of the agency;’’; and 

11 (D) in paragraph (4), by striking ‘‘dem12 onstration’’ and inserting ‘‘proposed program’’; 

13 (5) in subsection (d)— 

14 (A) by striking ‘‘(d) SELECTION.—In se15 lecting among applications, the Secretary shall 

16 take into account the potential of each agency 

17 to plan and carry out a program under the 

18 demonstration’’ and inserting the following: 

19 ‘‘(d) APPLICATIONS FOR PARTICIPATION.— 

20 ‘‘(1) SUBMISSION; STANDARDS FOR PARTICIPA21 TION.—The Secretary shall provide for public hous22 ing agencies to submit applications for participation 

23 in the program under this section and shall estab24 lish, and make public, standards and requirements 


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1 for participation that further the purposes of this 

2 program set forth in subsection (a), which shall— 

3 ‘‘(A) provide that all public housing agen4 cies designated as high performers pursuant to 

5 part 902 or subpart B of part 985, Code of 

6 Federal Regulations, at any time during the 

7 most recent 2 fiscal years are invited to submit 

8 applications for consideration; 

9 ‘‘(B) provide that participation of a public 

10 housing agency, upon approval, shall be for a 

11 period not shorter than 10 years; 

12 ‘‘(C) include a common set of performance 

13 metrics for use under the program that allow 

14 for comparison of the performance of different 

15 public housing agencies under the program; and 

16 ‘‘(D) require that each public housing 

17 agency include in its application— 

18 ‘‘(i) a list of innovative proposals to 

19 be carried out under the program that are 

20 designed to reduce the cost of, and in21 crease the cost-efficiency of, housing pro22 vided in connection with the program and 

23 metrics to assess the progress of the agen24 cy toward such goals; and 


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1 ‘‘(ii) a list of innovative manners in 

2 which the public housing agency will use 

3 the authorities under the program to assist 

4 families, goals regarding such activities to 

5 accomplish on an annual basis, and metrics 

6 to assess the progress of the agency toward 

7 such goals. 

8 ‘‘(2) DETERMINATION AND NOTIFICATION.— 

9 ‘‘(A) REVIEW AND DETERMINATION.— 

10 Upon receipt of an application for participation 

11 in the program under this section, the Secretary 

12 shall provide for review such application by a 

13 selection panel comprised of Federal officials 

14 and employees and established by the Secretary 

15 for such purpose. Based on such review, such 

16 selection panel shall make a determination of 

17 whether to approve such agency for participa18 tion in the program under this section, based 

19 on the criteria under paragraph (4). 

20 ‘‘(B) NOTIFICATION.—Upon making a de21 termination pursuant to subparagraph (A), the 

22 selection panel shall notify the public housing 

23 agency, the Secretary, and the governments for 

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1 cated of such determination. In the case of dis2 approval of an application, such notice shall in3 clude a statement specifying the reasons for 

4 such disapproval. 

5 ‘‘(3) TRANSITION.— 

6 ‘‘(A) NUMERICAL LIMITATION.— 

7 ‘‘(i) IN GENERAL.—The Secretary 

8 shall review and process such applications 

9 as to enable the transition of not fewer 

10 than 25 public housing agencies per year 

11 to the program under this section (subject 

12 to eligible applications), until such time as 

13 there are not 25 public housing agencies 

14 whose applications merit approval. 

15 ‘‘(ii) RESERVED SPOTS FOR SMALL

16 AND RURAL PHAS.—Of the applications of 

17 public housing agencies approved in each 

18 year pursuant to clause (i), not less than 

19 10 shall be applications of public housing 

20 agencies that administer, in the aggregate, 

21 fewer than 6,000 vouchers for rental as22 sistance under section 8 of the United 

23 States Housing Act of 1937 (42 U.S.C. 

24 1437f) and public housing dwelling units, 

25 except that if for any year the Secretary 


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1 receives fewer than 10 applications by pub2 lic housing agencies described in this 

3 clause that merit approval, the require4 ment under this clause shall apply for such 

5 year only to the extent of the number of 

6 such approvable applications received. 

7 ‘‘(iii) TREATMENT OF NEW MTW

8 AGENCIES.—Any agency that is newly 

9 transitioned under this subparagraph to 

10 participation in the program as in effect 

11 pursuant to the amendments made by the 

12 Renewing Opportunity in the American 

13 Dream to Housing Act shall count toward 

14 fulfillment of the numerical limitation in 

15 clause (i), notwithstanding the authority 

16 under section 239 of the Transportation, 

17 Housing and Urban Development, and Re18 lated Agencies Appropriations Act, 2016 

19 (division L of Public Law 114–113) or any 

20 other provision of law other than this sec21 tion authorizing participation of new agen22 cies. 

23 ‘‘(B) REVISIONS.—The Secretary shall, 

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1 ments for participation by agencies in the pro2 gram under this section, as the Secretary deter3 mines necessary. 

4 ‘‘(C) RENEWAL OF PARTICIPATION.— 

5 ‘‘(i) IN GENERAL.—The Secretary 

6 shall provide that upon expiration of a con7 tract for participation by a public housing 

8 agency in the program under this section, 

9 to continue participating in the program, 

10 the public housing agency shall be required 

11 to request to renew the participation of the 

12 agency with the Secretary. The standards 

13 and requirements applicable to applications 

14 for initial participation in the program 

15 shall also apply to applications for renewed 

16 participation in the program. Renewed par17 ticipation of a public housing agency under 

18 this clause shall proceed under the same 

19 terms applicable for the initial participa20 tion of the public housing agency in the 

21 program. 

22 ‘‘(ii) TREATMENT OF NUMERICAL LIM23 ITATION.—An agency approved for contin24 ued participation in the program pursuant 

25 to recertification under this subparagraph 


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1 shall not count toward fulfillment of the 

2 numerical limitation in subparagraph 

3 (A)(i). 

4 ‘‘(4) CRITERIA.—The Secretary shall establish 

5 criteria for approval of applications of public housing 

6 agencies for participation in the program under this 

7 section, which shall provide for approval of applica8 tions that are reasonably designed to carry out the 

9 purposes of the program under subsection (a). Such 

10 criteria shall take into consideration the capacity 

11 and the potential of each agency to plan and carry 

12 out a program’’; 

13 (B) by striking ‘‘each’’ and inserting 

14 ‘‘the’’; 

15 (C) by striking ‘‘a program under the dem16 onstration’’ and inserting ‘‘the proposed pro17 gram in the application’’; and 

18 (D) by striking ‘‘an agency’’ and inserting 

19 ‘‘the agency’’; 

20 (6) in subsection (e)— 

21 (A) in paragraph (1), by striking ‘‘this 

22 demonstration’’ and inserting ‘‘the program 

23 under this section’’; and 


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1 (B) in paragraph (2), by striking ‘‘dem2 onstration’’ and inserting ‘‘program under this 

3 section’’; 

4 (7) in subsection (f), by striking ‘‘section 9, or 

5 pursuant to section 14 by a public housing agency 

6 participating in the demonstration under this part’’ 

7 and inserting ‘‘of the United States Housing Act of 

8 1937, or provided from the Operating Fund under 

9 section 9(e) or from the Capital Fund under section 

10 9(d) of such Act, by a public housing agency partici11 pating in the program under this section’’; 

12 (8) in subsection (g)— 

13 (A) in paragraph (1), by inserting ‘‘, in14 cluding performance in achieving each of the 

15 purposes of the program specified in subsection 

16 (a)’’; 

17 (B) in paragraph (2)— 

18 (i) in the first sentence— 

19 (I) by inserting ‘‘, and including 

20 such content, as shall be’’ before 

21 ‘‘specified by the Secretary’’; and 

22 (II) by inserting ‘‘, but not less 

23 often than annually’’ before the period 

24 at the end; and 

25 (ii) in the second sentence— 


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1 (I) in subparagraph (B), by 

2 striking ‘‘the demonstration’’ and in3 serting ‘‘the program’’; and 

4 (II) by striking subparagraph (C) 

5 and inserting the following: 

6 ‘‘(C) describe and analyze the effects of 

7 the program of the agency and the assisted ac8 tivities under such program in addressing and 

9 achieving the objectives of the program under 

10 this section and each of the purposes specified 

11 in subsection (a), including the effects of the 

12 program on— 

13 ‘‘(i) the number of new families the 

14 agency has been able to assist from the 

15 waiting lists for housing assistance that is 

16 administered by the agency, including 

17 vouchers for rental assistance under sec18 tion 8(o) of the United States Housing Act 

19 of 1937 (42 U.S.C. 1437f(o)) and dwelling 

20 units in public housing, as a result of the 

21 flexibility of funds and achievement of eco22 nomic independence; 

23 ‘‘(ii) the cost and annual change, per 

24 family participating in the program, of 

25 providing housing assistance referred to in 


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1 clause (i) that is administered by the agen2 cy; 

3 ‘‘(iii) any cost savings and additional 

4 housing resulting from the program; and 

5 ‘‘(iv) the household incomes, and 

6 changes in such incomes, of members of 

7 families participating in the program who 

8 are not exempt from work requirements; 

9 and 

10 ‘‘(v) such other factors as the Sec11 retary considers appropriate.’’; 

12 (C) by redesignating paragraphs (3) and 

13 (4) as paragraphs (5) and (6); and 

14 (D) by inserting after paragraph (2) the 

15 following new paragraphs: 

16 ‘‘(3) ANNUAL PLAN.— 

17 ‘‘(A) REQUIREMENT.—Each agency shall 

18 submit annually to the Secretary, together with 

19 the report under paragraph (2), a plan for the 

20 program of the agency for the upcoming year 

21 and shall make such plan publicly available. 

22 ‘‘(B) FORM AND METRICS.—Each annual 

23 plan shall be set forth in a standard form, pre24 scribed by the Secretary and shall utilize com25 mon performance metrics that allow for comVerDate Sep 11 2014 19:36 Sep 16, 2024 Jkt 049200 PO 00000 Frm 00024 Fmt 6652 Sfmt 6201 E:\BILLS\S5027.IS S5027

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1 parison of the plans of all public housing agen2 cies participating in the program. 

3 ‘‘(C) CONTENT.—Each annual plan shall 

4 include such content as the Secretary shall 

5 specify, which shall include— 

6 ‘‘(i) a description and explanation of 

7 all new rules and policy changes adopted 

8 by the agency in accordance with this sec9 tion and the program under this section 

10 and, with respect to such new rules and 

11 policy changes— 

12 ‘‘(I) a description of the effect 

13 such rules and changes will have on 

14 the operation of the agency as com15 pared to the preceding year and as 

16 compared to the operations of the 

17 agency other than under the program 

18 under this section; 

19 ‘‘(II) a description of the extent 

20 to which such rules and changes 

21 helped to achieve the annual goals 

22 identified in the public housing agen23 cy’s application pursuant to sub24 section (d)(1)(E) and, in the case of 

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1 scription of the extent to which such 

2 goals were not achieved and the rea3 sons for such failure; and 

4 ‘‘(III) whether the adoption of 

5 such new rules and policy changes re6 quired an adjustment in the annual 

7 goals identified in the public housing 

8 agency’s application pursuant to sub9 section (d)(1); 

10 ‘‘(ii) a plan for all capital assets and 

11 anticipated construction and rehabilitation 

12 activities of the public housing agency in 

13 the upcoming year and a description of 

14 whether and how such activities are au15 thorized and assisted under the program 

16 under this section; and 

17 ‘‘(iii) assurances satisfactory to the 

18 Secretary that such plan will conform with 

19 all applicable provisions of title VI of the 

20 Civil Rights Act of 1964 (42 U.S.C. 2000d 

21 et seq.), the Fair Housing Act (42 U.S.C. 

22 3601 et seq.), section 504 of the Rehabili23 tation Act of 1973 (29 U.S.C. 794), and 

24 the Americans with Disabilities Act of 

25 1990 (42 U.S.C. 12101 et seq.). 


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1 ‘‘(4) PUBLIC AND RESIDENT PARTICIPATION.— 

2 ‘‘(A) NOTIFICATION OF RESIDENTS.—Each 

3 public housing agency shall annually hold a 

4 meeting to notify all assisted families partici5 pating in the program of the public housing 

6 agency of the contents of the plan under para7 graph (3) for such year and impacts on such 

8 assisted families. Any public housing agency 

9 that assists, in the aggregate, more than 

10 50,000 families or assists families in multiple 

11 counties shall hold as many meetings as nec12 essary to provide each assisted family a good13 faith opportunity to attend such a meeting. 

14 ‘‘(B) PUBLIC COMMENT.—Each annual re15 port under paragraph (2) and annual plan 

16 under paragraph (3) shall— 

17 ‘‘(i) be made available for inspection 

18 and public comment 30 days before the 

19 meeting required by subparagraph (A) re20 garding such plan or report; and 

21 ‘‘(ii) be approved in a public meeting 

22 of the board of directors or other gov23 erning body of the public housing agency 

24 before submission to the Secretary. 


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1 ‘‘(C) PUBLIC AVAILABILITY.—Each annual 

2 report under paragraph (2) and annual plan 

3 under paragraph (3) shall, upon submission to 

4 the Secretary, be made publicly available and 

5 shall include all comments provided pursuant to 

6 subparagraph (B).’’; 

7 (9) in subsection (h)— 

8 (A) in paragraph (1), by striking ‘‘dem9 onstration’’ and inserting ‘‘program under this 

10 section’’; and 

11 (B) by striking paragraph (2) and insert12 ing the following: 

13 ‘‘(2) REVIEW.—The Secretary shall annually 

14 review the activities of each public housing agency 

15 participating in the program under this section and, 

16 based on such review and the information submitted 

17 by the agency pursuant to subsection (g), deter18 mine— 

19 ‘‘(A) the impact and effectiveness of the 

20 public housing agency’s program and activities 

21 in achieving each of the purposes of the pro22 gram specified in subsection (a), including an 

23 assessment of such impact and effectiveness 

24 using the common set of budget metrics estab25 lished pursuant to subsection (d)(1)(D); 


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1 ‘‘(B) the progress of the public housing 

2 agency toward meeting the goals identified in 

3 the public housing agency’s application pursu4 ant to subsection (d)(1)(E), using the metrics 

5 identified in the public housing agency’s appli6 cation pursuant to such subsection; and 

7 ‘‘(C) the extent of compliance by the public 

8 housing agency with the requirements of the 

9 program under this section and, in determining 

10 such extent of compliance, shall take into con11 sideration the unique characteristics of the pub12 lic housing agency. 

13 ‘‘(3) VERIFICATION OF ACCURACY.—In assess14 ing information submitted by public housing agen15 cies pursuant to subsection (g) and in reviewing 

16 such information and making determinations pursu17 ant to paragraph (2) of this subsection, the Sec18 retary shall carry out control activities and proce19 dures designed to verify the accuracy of such infor20 mation, which shall include auditing a representative 

21 sample of such information using standard statis22 tical methods. 

23 ‘‘(4) CONTINUED PARTICIPATION.—The Sec24 retary shall not terminate the participation of any 


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1 public housing agency in the program under this 

2 section unless the Secretary finds that the agency— 

3 ‘‘(A) is in material default of the condi4 tions and obligations under the governing docu5 ment for the participation in the program; 

6 ‘‘(B) as demonstrated in its reports under 

7 subsection (g)(2) and its annual budget plans 

8 under subsection (g)(3), has persistently failed 

9 to meet the goals identified in its application, 

10 and the reasons or circumstances specified in 

11 the public housing agency’s reports and plans 

12 for such failure are not sufficient to justify the 

13 continued failure; 

14 ‘‘(C) has misused or misappropriated 

15 funds; 

16 ‘‘(D) has failed to make a good faith effort 

17 to carry out the purposes of the program speci18 fied in subsection (a); or 

19 ‘‘(E) has failed to cure a material defi20 ciency in performance after notice and an op21 portunity to correct the deficiency. 

22 ‘‘(5) CORRECTIVE ACTION PROGRAM.—The Sec23 retary shall carry out a program— 

24 ‘‘(A) to identify public housing agencies 

25 participating in the program under this section 


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1 that are at risk of termination of such partici2 pation pursuant to paragraph (6); 

3 ‘‘(B) to consult with such public housing 

4 agencies regarding actions that may be taken to 

5 avoid such termination; 

6 ‘‘(C) to establish goals and timelines for 

7 such corrective actions; and 

8 ‘‘(D) to provide appropriate technical as9 sistance designed to facilitate such actions and 

10 avoid such termination. 

11 ‘‘(6) TERMINATION OF PARTICIPATION.—Any 

12 public housing agency whose participation in the 

13 program under this section is terminated shall be 

14 subject to the provisions of the United States Hous15 ing Act of 1937 (42 U.S.C. 1437 et seq.) and all 

16 other provisions of law applicable to public housing 

17 agencies not participating in the program, except 

18 that the Secretary shall provide a transition period, 

19 that begins upon such termination and is not shorter 

20 than 18 months, for such public housing agencies to 

21 come into compliance with such laws. 

22 ‘‘(7) REPORTS TO CONGRESS.—Not later than 

23 the expiration of the 5-year period beginning on the 

24 date of the enactment of the Renewing Opportunity 

25 in the American Dream to Housing Act, and not 


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1 later than the expiration of each successive 5-year 

2 period thereafter, the Secretary shall submit a re3 port to the Congress regarding the program under 

4 this section and the results of the reviews conducted 

5 under paragraph (2), which shall— 

6 ‘‘(A) evaluate the programs carried out by 

7 public housing agencies participating in the pro8 gram, including with respect to each of the pur9 poses specified in subsection (a); and 

10 ‘‘(B) include findings and recommenda11 tions for appropriate legislative changes to the 

12 program. 

13 ‘‘(8) GAO REVIEWS AND REPORTS.—Not later 

14 than 180 days after the date of enactment of the 

15 Renewing Opportunity in the American Dream to 

16 Housing Act, and not less frequently than every 8 

17 years thereafter, the Comptroller General of the 

18 United States shall— 

19 ‘‘(A) conduct and complete a review of the 

20 program under this section, which shall include 

21 examination and analysis of the implementation 

22 of the program and identification of any short23 comings and any means for improving the pro24 gram; and 


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1 ‘‘(B) submit to the Congress a report re2 garding the review, which shall set forth a de3 tailed description of such implementation, any 

4 shortcomings of the program identified, and 

5 recommendations for improving the program.’’; 

6 (10) in subsection (i)— 

7 (A) in the matter preceding paragraph (1), 

8 by striking ‘‘section 14 of the United States 

9 Housing Act of 1937 for fiscal years 1996, 

10 1997, and 1998’’ and inserting ‘‘the Capital 

11 Fund under section 9(d) of the United States 

12 Housing Act of 1937 in each fiscal year’’; and 

13 (B) in paragraph (1)— 

14 (i) in subparagraph (A), by striking 

15 ‘‘the demonstration’’ and inserting ‘‘the 

16 program’’; and 

17 (ii) in subparagraph (B), by striking 

18 ‘‘up to 10’’; and 

19 (11) by striking subsection (j). 

20 (b) TREATMENT OF PARTICIPATING AGENCIES.— 

21 (1) CONTINUATION OF PARTICIPATION.—This 

22 section and the amendments made by this section 

23 shall not affect the status of any public housing 

24 agency that, as of the date of the enactment of this 

25 Act, is participating in the Moving to Work Program 


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1 under section 204 of the Departments of Veterans 

2 Affairs and Housing and Urban Development, and 

3 Independent Agencies Appropriations Act, 1996 (42 

4 U.S.C. 1437f note), as such a participating agency. 

5 (2) ELECTION.—Any public housing agency re6 ferred to in paragraph (1) may elect— 

7 (A) to continue participation in the Pro8 gram under section 204 of the Departments of 

9 Veterans Affairs and Housing and Urban De10 velopment, and Independent Agencies Appro11 priations Act, 1996 (42 U.S.C. 1437f note) 

12 under the terms of the agreement entered into 

13 between the agency and the Secretary providing 

14 for such participation until the date of the expi15 ration of such agreement; or 

16 (B) at any time before date of the expira17 tion of such agreement, to transition to partici18 pation under the program under such section 

19 204, as amended by this Act. 

20 (3) CONVERSION TO REFORMED PROGRAM.— 

21 (A) IN GENERAL.—Except as provided in 

22 subparagraph (B) of this paragraph, any public 

23 housing agency that elects pursuant to para24 graph (2)(A) of this subsection to continue par25 ticipation in the Program under section 204 of 


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1 the Departments of Veterans Affairs and Hous2 ing and Urban Development, and Independent 

3 Agencies Appropriations Act, 1996 (42 U.S.C. 

4 1437f note) shall, upon the expiration of the 

5 agreement referred to in such paragraph, be 

6 considered to have been approved for participa7 tion in the Program under such section 204, as 

8 amended by this Act, and the Secretary of 

9 Housing and Urban Development shall provide 

10 for the transition of the agency to participation 

11 under the Program under such section as so 

12 amended. 

13 (B) INAPPLICABILITY.—Subparagraph (A) 

14 shall not apply to any public housing agency 

15 that is determined by the Secretary to be in 

16 material default, upon the expiration of the 

17 agreement referred to in paragraph (2)(A), of 

18 the conditions and obligations under such 

19 agreement. 

20 (4) INAPPLICABILITY OF NUMERICAL LIMITA21 TION.—Any public housing agency transitioned pur22 suant to paragraph (2)(B) or (3)(A) of this sub23 section to participation under the program under 

24 section 204 of the Departments of Veterans Affairs 

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1 pendent Agencies Appropriations Act, 1996 (42 

2 U.S.C. 1437f note), as amended by this section, 

3 shall not count toward fulfillment of the numerical 

4 limitation under section 204(d)(3)(A) of the Depart5 ments of Veterans Affairs and Housing and Urban 

6 Development, and Independent Agencies Appropria7 tions Act, 1996 (42 U.S.C. 1437f note), as added by 

8 the amendment made by this section. 

9 SEC. 302. IMPROVING SELF-SUFFICIENCY OF FAMILIES IN 

10 HUD-SUBSIDIZED HOUSING. 

11 (a) IN GENERAL.— 

12 (1) STUDY.—Subject to subsection (b), the Sec13 retary of Housing and Urban Development shall 

14 conduct a study on the implementation of work re15 quirements by public housing agencies described in 

16 paragraph (2) participating in the program under 

17 section 204 of the Departments of Veterans Affairs 

18 and Housing and Urban Development, and Inde19 pendent Agencies Appropriations Act, 1996 (42 

20 U.S.C. 1437f note), as amended by section 301 of 

21 this Act. 

22 (2) PUBLIC HOUSING AGENCIES DESCRIBED.— 

23 The public housing agencies described in this para24 graph are public housing agencies that, as part of an 

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1 tion 204 of the Departments of Veterans Affairs and 

2 Housing and Urban Development, and Independent 

3 Agencies Appropriations Act, 1996 (42 U.S.C. 1437f 

4 note), as amended by section 301 of this Act, submit 

5 a proposal identifying work requirements as an inno6 vative proposal described in section 204(d)(1)(D)(i) 

7 of such Act, as amended by section 301 of this Act. 

8 (b) DETERMINATION.—The requirement under sub9 section (a) shall apply if the Secretary of Housing and 

10 Urban Development determines that— 

11 (1) there are a sufficient number of public 

12 housing agencies described in subsection (a)(2) such 

13 that the Secretary of Housing and Urban Develop14 ment can rigorously evaluate the impact of the im15 plementation of work requirements described in that 

16 subsection; and 

17 (2) the study would not negatively impact low18 income families receiving assistance through a public 

19 housing agency described in subsection (a)(2). 

20 SEC. 303. UPDATING THE DEFINITION OF MANUFACTURED 

21 HOME. 

22 (a) IN GENERAL.—Section 603(6) of the National 

23 Manufactured Housing Construction and Safety Stand24 ards Act of 1974 (42 U.S.C. 5402(6)) is amended by 


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1 striking ‘‘on a permanent chassis’’ and inserting ‘‘with or 

2 without a permanent chassis’’. 

3 (b) MANUFACTURED HOME CERTIFICATIONS.—Sec4 tion 604 of the National Manufactured Housing Construc5 tion and Safety Standards Act of 1974 (42 U.S.C. 5403) 

6 is amended by adding at the end the following: 

7 ‘‘(i) MANUFACTURED HOME CERTIFICATIONS.— 

8 ‘‘(1) IN GENERAL.— 

9 ‘‘(A) INITIAL CERTIFICATION.—Subject to 

10 subparagraph (B), not later than 1 year after 

11 the date of enactment of the Renewing Oppor12 tunity in the American Dream to Housing Act, 

13 a State shall submit to the Secretary an initial 

14 certification that the laws and regulations of 

15 the State— 

16 ‘‘(i) treat a manufactured home, in17 cluding a manufactured home without a 

18 permanent chassis, in parity with a manu19 factured home (as defined and regulated 

20 by the State); and 

21 ‘‘(ii) subject a manufactured home 

22 without a permanent chassis to the same 

23 laws and regulations of the State as a 

24 manufactured home built on a permanent 

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1 surance, manufacture, sale, taxes, trans2 portation, and installation. 

3 ‘‘(B) EXTENDED DEADLINE.—With re4 spect to a State with a legislature that meets 

5 biennially, the deadline for the submission of 

6 the initial certification required under subpara7 graph (A) shall be 2 years after the date of en8 actment of the Renewing Opportunity in the 

9 American Dream to Housing Act. 

10 ‘‘(2) FORM OF CERTIFICATION.—The initial 

11 certification required under paragraph (1)(A) shall 

12 contain, in a form prescribed by the Secretary, an 

13 attestation by an official that the State has taken 

14 the steps necessary to ensure the veracity of the cer15 tification required under paragraph (1)(A), includ16 ing, as necessary, by— 

17 ‘‘(A) amending the definition of ‘manufac18 tured home’ in the laws and regulation of the 

19 State; and 

20 ‘‘(B) directing State agencies to amend the 

21 definition of ‘manufactured home’ in regula22 tions. 

23 ‘‘(3) ANNUAL RECERTIFICATION.—Not later 

24 than a date to be determined by the Secretary each 


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1 year, the State shall submit to the Secretary an ad2 ditional certification that— 

3 ‘‘(A) confirms the accuracy of initial cer4 tification submitted under paragraph (1)(A); 

5 and 

6 ‘‘(B) certifies that any new laws or regula7 tions enacted or adopted by the State since the 

8 date of the previous certification does not 

9 change the veracity of the initial certification 

10 submitted under paragraph (1)(A). 

11 ‘‘(4) LIST.—The Secretary shall publish and 

12 maintain in the Federal Register and on the website 

13 of the Department of Housing and Urban Develop14 ment a list of States that are up-to-date with the 

15 submission of initial and subsequent certifications 

16 required under this subsection. 

17 ‘‘(5) PROHIBITION.— 

18 ‘‘(A) DEFINITION.—In this paragraph the 

19 term ‘covered manufactured home’ means a 

20 home that is— 

21 ‘‘(i) not considered a manufactured 

22 home under the laws and regulations of a 

23 State because the home is constructed 

24 without a permanent chassis; 


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1 ‘‘(ii) considered a manufactured home 

2 under the definition of the term in section 

3 603; and 

4 ‘‘(iii) constructed after the date of en5 actment of the Renewing Opportunity in 

6 the American Dream to Housing Act. 

7 ‘‘(B) BUILDING, INSTALLATION, AND

8 SALE.— 

9 ‘‘(i) IN GENERAL.—If a State does 

10 not submit a certification under paragraph 

11 (1)(A) or (3) by the date on which those 

12 certifications are required to be sub13 mitted— 

14 ‘‘(I) with respect to a State in 

15 which the State administers the in16 stallation of manufactured homes, the 

17 State shall prohibit the manufacture, 

18 installation, or sale of a covered man19 ufactured home within the State; and 

20 ‘‘(II) with respect to a State in 

21 which the Secretary administers the 

22 installation of manufactured homes, 

23 the State and the Secretary shall pro24 hibit the manufacture, installation, or 


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1 sale of a covered manufactured home 

2 within the State.’’. 

3 (c) OTHER FEDERAL LAWS REGULATING MANUFAC4 TURED HOMES.—The Secretary of Housing and Urban 

5 Development shall coordinate with the heads of other Fed6 eral agencies to ensure that Federal agencies treat a man7 ufactured home (as defined in Federal laws and regula8 tions other than section 603 of the National Manufactured 

9 Housing Construction and Safety Standards Act of 1974 

10 (42 U.S.C. 5402)) in the same manner as a manufactured 

11 home (as defined in section National Manufactured Hous12 ing Construction and Safety Standards Act of 1974 (42 

13 U.S.C. 5402), as amended by this Act). 

14 (d) ASSISTANCE TO STATES.—Section 609 of the Na15 tional Manufactured Housing Construction and Safety 

16 Standards Act of 1974 (42 U.S.C. 5408) is amended— 

17 (1) in paragraph (1), by striking ‘‘and’’ at the 

18 end; 

19 (2) in paragraph (2), by striking the period at 

20 the end and inserting ‘‘; and’’; and 

21 (3) by adding at the end the following: 

22 ‘‘(3) model guidance to support the submission 

23 of the certification required under section 604(i).’’. 


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1 TITLE IV—SERVING THE MOST 

2 VULNERABLE 

3 SEC. 401. INCENTIVIZING LOCAL SOLUTIONS TO HOME4 LESSNESS. 

5 (a) CONTINUUM OF CARE PROGRAM.—Section 428 of 

6 the McKinney-Vento Homeless Assistance Act (42 U.S.C. 

7 11386b) is amended by adding at the end the following: 

8 ‘‘(f) INCENTIVES FOR REDUCING HOMELESSNESS.— 

9 ‘‘(1) IN GENERAL.—From the amounts made 

10 available to carry out this subtitle for a fiscal year, 

11 the Secretary may use not more than 10 percent of 

12 the amounts made available to carry out this subtitle 

13 for incentives described in paragraph (2). 

14 ‘‘(2) INCENTIVES.—The Secretary may provide 

15 bonuses or other incentives to a geographic area 

16 under this subtitle if, during a fiscal year, the Sec17 retary determines that an entity receiving funds 

18 under this subtitle has demonstrably and measurably 

19 improved housing outcomes for homeless individuals 

20 in the geographic area.’’. 

21 (b) EMERGENCY SOLUTIONS GRANTS PROGRAM.— 

22 Section 413 of the McKinney-Vento Homeless Assistance 

23 Act (42 U.S.C. 11372a) is amended by adding at the end 

24 the following: 

25 ‘‘(c) INCENTIVES FOR REDUCING HOMELESSNESS.— 


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1 ‘‘(1) IN GENERAL.—From the amounts made 

2 available to carry out this subtitle for a fiscal year, 

3 the Secretary may use not more than 10 percent of 

4 the amounts made available to carry out this subtitle 

5 for incentives described in paragraph (2). 

6 ‘‘(2) INCENTIVES.—The Secretary may provide 

7 bonuses or other incentives to a geographic area 

8 under this subtitle if, during a fiscal year, the Sec9 retary determines that an entity receiving funds 

10 under this subtitle has demonstrably and measurably 

11 improved housing outcomes for homeless individuals 

12 in the geographic area.’’. 

13 TITLE V—PROMOTING 

14 OPPORTUNITY 

15 SEC. 501. INCREASING HOUSING IN OPPORTUNITY ZONES. 

16 (a) COVERED GRANT DEFINED.—In this section, the 

17 term ‘‘covered grant’’ means— 

18 (1) a Choice Neighborhoods Program grant; 

19 (2) a grant under section 11 of the Housing 

20 Opportunity Program Extension Act of 1996 (42 

21 U.S.C. 12805 note); and 

22 (3) any other competitive grant relating to the 

23 construction, modification, rehabilitation, or preser24 vation of housing, as determined by the Secretary of 

25 Housing and Urban Development. 


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1 (b) PRIORITY.—The Secretary of Housing and Urban 

2 Development shall prioritize the award of covered grants 

3 to recipients located in, or that primarily serve, a commu4 nity that has been designated as a qualified opportunity 

5 zone under section 1400Z–1 of the Internal Revenue Code 

6 of 1986. 

7 TITLE VI—GOOD GOVERNANCE 

8 SEC. 601. REQUIRING ANNUAL TESTIMONY AND OVER9 SIGHT FROM HOUSING REGULATORS. 

10 (a) HUD PROGRAMS.—The Department of Housing 

11 and Urban Development Act (42 U.S.C. 3531 et seq.) is 

12 amended by adding at the end the following: 

13 ‘‘SEC. 15. ANNUAL TESTIMONY. 

14 ‘‘The Secretary shall, on an annual basis, testify be15 fore the Committee on Banking, Housing, and Urban Af16 fairs of the Senate and the Committee on Financial Serv17 ices of the House of Representatives on the status of all 

18 programs carried out by the Department, whether author19 ized or unauthorized.’’. 

20 (b) GOVERNMENT GUARANTEED OR INSURED MORT21 GAGES.—On an annual basis, the following individuals 

22 shall testify before the appropriate committees of Congress 

23 with respect to mortgage loans made, guaranteed, or in24 sured by the Federal Government: 


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1 (1) The President of the Government National 

2 Mortgage Association. 

3 (2) The Federal Housing Commissioner. 

4 (3) The Administrator of the Rural Housing 

5 Service. 

6 (4) The Executive Director of the Loan Guar7 anty Service of the Department of Veterans Affairs. 

8 (c) MORTGAGEE REVIEW BOARD.—Section 202(c)(8) 

9 of the National Housing Act (12 U.S.C. 1708(c)(8)) is 

10 amended— 

11 (1) by striking ‘‘, in consultation with the Fed12 eral Housing Administration Advisory Board,’’; and 

13 (2) by inserting ‘‘and to Congress’’ after ‘‘the 

14 Secretary’’. 

15 SEC. 602. FHA REPORTING REQUIREMENTS ON SAFETY 

16 AND SOUNDNESS. 

17 (a) MONTHLY REPORTING ON MUTUAL MORTGAGE

18 INSURANCE FUND CAPITAL RATIO.—Section 202(a) of 

19 the National Housing Act (12 U.S.C. 1708(a)) is amended 

20 by adding at the end the following: 

21 ‘‘(8) OTHER REQUIRED REPORTING.—The Sec22 retary shall— 

23 ‘‘(A) submit to Congress monthly reports 

24 on the capital ratio required under section 

25 205(f)(2); and 


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1 ‘‘(B) notify Congress as soon as prac2 ticable after the Fund falls below the capital 

3 ratio required under section 205(f)(2).’’. 

4 (b) ANNUAL INDEPENDENT ACTUARIAL STUDY.— 

5 Section 202(a)(4) of the National Housing Act (12 U.S.C. 

6 1708(a)(4)) is amended— 

7 (1) by striking ‘‘The Secretary’’ and inserting 

8 the following: 

9 ‘‘(A) DEFINITION.—In this paragraph, the 

10 term ‘first-time homebuyer’ means a borrower 

11 for whom no consumer report (as defined in 

12 section 603 of the Fair Credit Reporting Act 

13 (15 U.S.C. 1681a)) indicates that the borrower 

14 has or had a loan with a consumer purpose that 

15 is secured by a 1- to 4-unit residential real 

16 property. 

17 ‘‘(B) STUDY AND REPORT.—The Sec18 retary’’; and 

19 (2) in subparagraph (B), as so designated, by 

20 striking ‘‘also’’ and inserting ‘‘detail how many loans 

21 were originated in each census tract to first-time 

22 homebuyers, as well as’’. 

23 (c) ANNUAL REPORT.—Section 203(w)(2) of the Na24 tional Housing Act (12 U.S.C. 1709(w))(2) is amended 


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1 by inserting ‘‘and first-time homebuyers (as defined in sec2 tion 202(a)(4)(A))’’ after ‘‘minority borrowers’’. 

3 (d) GAO STUDY ON SUSTAINABLE HOMEOWNER4 SHIP.—Not later than 180 days after the date of enact5 ment of this Act, the Comptroller General of the United 

6 States shall conduct a study and submit to Congress a 

7 report on— 

8 (1) the value for the Federal Housing Adminis9 tration of defining what is sustainable homeowner10 ship in way that considers borrower default, refi11 nancing to a non-insured mortgage product, paying 

12 off a mortgage loan and transitioning back to rent13 ing, and other factors that demonstrate whether in14 surance provided under title II of the National 

15 Housing Act (12 U.S.C. 1707 et seq.) has success16 fully served a borrower, including for first-time 

17 homebuyers (as defined in section 202(a)(4)(A) of 

18 the National Housing Act, as added by subsection 

19 (b)(1)); and 

20 (2) the feasibility of the Federal Housing Ad21 ministration developing a scorecard using the 

22 metrics described in paragraph (1) to measure bor23 rower performance and reporting the scorecard data 

24 to Congress. 


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1 SEC. 603. UNITED STATES INTERAGENCY COUNCIL ON 

2 HOMELESSNESS. 

3 Section 203(a) of the McKinney-Vento Homeless As4 sistance Act (42 U.S.C. 11313(a)) is amended— 

5 (1) in paragraph (1)— 

6 (A) by striking ‘‘Homeless Emergency As7 sistance and Rapid Transition to Housing Act 

8 of 2009’’ and inserting ‘‘Renewing Opportunity 

9 in the American Dream to Housing Act’’; and 

10 (B) by striking ‘‘update such plan annu11 ally’’ and inserting the following: ‘‘submit to the 

12 President and Congress a report every year 

13 thereafter that includes— 

14 ‘‘(A) the status of completion of the plan; 

15 ‘‘(B) any modifications that were made to 

16 the plan and the reasons for those modifica17 tions; and 

18 ‘‘(C) an estimate of when homelessness will 

19 be ended;’’; 

20 (2) by redesignating paragraphs (10) through 

21 (13) as paragraphs (11) through (14), respectively; 

22 (3) by redesignating the second paragraph (9) 

23 (relating to collecting and disseminating informa24 tion) as paragraph (10); 

25 (4) in paragraph (13), as so redesignated, by 

26 striking ‘‘and’’ at the end; 


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1 (5) in paragraph (14), as so redesignated, by 

2 striking the period at the end and inserting ‘‘; and’’; 

3 and 

4 (6) by adding at the end the following: 

5 ‘‘(15) testify annually before Congress.’’. 

6 SEC. 604. NEIGHBORHOOD REINVESTMENT CORPORATION 

7 OVERSIGHT. 

8 (a) INSPECTOR GENERAL.—The Neighborhood Rein9 vestment Corporation Act (42 U.S.C. 8101 et seq.) is 

10 amended by adding at the end the following: 

11 ‘‘SEC. 609. OVERSIGHT BY THE INSPECTOR GENERAL OF 

12 THE DEPARTMENT OF HOUSING AND URBAN 

13 DEVELOPMENT. 

14 ‘‘The Inspector General of the Department of Hous15 ing and Urban Development shall have all of the authori16 ties and responsibilities provided under chapter 4 of title 

17 5, United States Code, with respect to the corporation, 

18 as if the corporation were part of the Department of 

19 Housing and Urban Development.’’. 

20 (b) WHISTLEBLOWER PROTECTIONS.—Section 

21 9101(3) of title 31, United States Code, is amended by 

22 adding at the end the following: 

23 ‘‘(Q) the Neighborhood Reinvestment Cor24 poration.’’. 

Æ 


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