(B) EFFECTIVE DATE.—The amendments 
made by this paragraph shall apply to alloca-
tions of credits under section 42 of the Internal 
Revenue Code of 1986 made after December 
31, 2023. 
(2) INCLUSION OF INDIAN AREAS AS DIFFICULT 
DEVELOPMENT AREAS FOR PURPOSES OF CERTAIN 
BUILDINGS.— 
(A) IN GENERAL.—Subclause (I) of section 
42(d)(5)(B)(iii) of the Internal Revenue Code 
of 1986 is amended by inserting before the pe-
riod the following: ‘‘, and any Indian area’’. 
(B) INDIAN AREA.—Clause (iii) of section 
42(d)(5)(B) of the Internal Revenue Code of 
1986 is amended by redesignating subclause 
(II) as subclause (III) and by inserting after 
subclause (I) the following new subclause: 
‘‘(II) INDIAN
AREA.—For pur-
poses of subclause (I), the term ‘In-
dian area’ means any Indian area (as 
defined in section 4(11) of the Native 
American Housing Assistance and 
Self Determination Act of 1996 (25 
U.S.C. 4103(11))) and any housing 
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area (as defined in section 801(5) of 
such Act (25 U.S.C. 4221(5))).’’. 
(C) ELIGIBLE BUILDINGS.—Clause (iii) of 
section 42(d)(5)(B) of the Internal Revenue 
Code of 1986, as amended by subparagraph 
(B), is further amended by adding at the end 
the following new subclause: 
‘‘(IV) SPECIAL RULE FOR BUILD-
INGS IN INDIAN AREAS.—In the case 
of an area which is a difficult develop-
ment area solely because it is an In-
dian area, a building shall not be 
treated as located in such area unless 
such building is assisted or financed 
under the Native American Housing 
Assistance and Self Determination 
Act of 1996 (25 U.S.C. 4101 et seq.) 
or the project sponsor is an Indian 
tribe 
(as 
defined 
in 
section 
45A(c)(6)), a tribally designated hous-
ing entity (as defined in section 4(22) 
of such Act (25 U.S.C. 4103(22))), or 
wholly owned or controlled by such an 
Indian tribe or tribally designated 
housing entity.’’. 
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(D) EFFECTIVE DATE.—The amendments 
made by this paragraph shall apply to buildings 
placed in service after December 31, 2023. 
(e) REFORMS RELATING TO RURAL ASSISTANCE.— 
(1) INCLUSION OF RURAL AREAS AS DIFFICULT 
DEVELOPMENT AREAS.— 
(A) IN GENERAL.—Subclause (I) of section 
42(d)(5)(B)(iii) of the Internal Revenue Code 
of 1986, as amended by subsection (d)(2), is 
further amended by inserting ‘‘, any rural area’’ 
after ‘‘median gross income’’. 
(B) RURAL AREA.—Clause (iii) of section 
42(d)(5)(B) of the Internal Revenue Code of 
1986, as amended by subsection (d)(2), is fur-
ther amended by redesignating subclause (III) 
as subclause (IV) and by inserting after sub-
clause (II) the following new subclause: 
‘‘(III) RURAL
AREA.—For pur-
poses of subclause (I), the term ‘rural 
area’ means any non-metropolitan 
area, or any rural area as defined by 
section 520 of the Housing Act of 
1949, which is identified by the quali-
fied allocation plan under subsection 
(m)(1)(B).’’. 
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(C) EFFECTIVE DATE.—The amendments 
made by this paragraph shall apply to buildings 
placed in service after December 31, 2023. 
(2) UNIFORM INCOME ELIGIBILITY FOR RURAL 
PROJECTS.— 
(A) IN GENERAL.—Paragraph (8) of sec-
tion 42(i) of the Internal Revenue Code of 1986 
is amended by striking the second sentence. 
(B) EFFECTIVE
DATE.—The amendment 
made by this paragraph shall apply to taxable 
years beginning after December 31, 2022. 
(f) TREATMENT OF EXEMPT FACILITY BONDS RE-
FUNDING ISSUES.— 
(1) IN GENERAL.—Subparagraph (A) of section 
146(i)(6) of the Internal Revenue Code of 1986 is 
amended to read as follows: 
‘‘(A) IN GENERAL.—During the 12-month 
period beginning on the date of a repayment of 
a loan financed by an issue 95 percent or more 
of the net proceeds of which are used to provide 
projects described in section 142(d), if such re-
payment is used to provide a new loan for any 
project described in section 142(a)(7) or for 
any purpose described in subsection (a)(2)(A) 
or (b) of section 143, any bond which is issued 
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to refinance such issue shall be treated as a re-
funding issue. Any issue treated as a refunding 
issue by reason of the preceding sentence shall 
be so treated only to the extent the principal 
amount of such refunding issue does not exceed 
the principal amount of the bonds refunded.’’. 
(2) REMOVAL
OF
ONE-REFUNDING
LIMIT.— 
Subparagraph (B) of section 146(i)(6) of the Inter-
nal Revenue Code of 1986 is amended— 
(A) by striking ‘‘4 years’’ in clause (i) and 
inserting ‘‘10 years’’, 
(B) by striking ‘‘was issued’’ in clause (ii) 
and inserting ‘‘is issued’’, 
(C) by redesignating clauses (i) (as so 
amended), (ii) (as so amended), and (iii) as 
subclauses (I), (II), and (III), respectively, and 
by moving such subclauses 2 ems to the right, 
(D) by striking ‘‘LIMITATIONS.—Subpara-
graph (A) shall apply to only one refunding of 
the original issue and’’ and inserting ‘‘LIMITA-
TIONS.— 
‘‘(i) IN GENERAL.—Subparagraph (A) 
shall apply to a bond’’, and 
(E) by adding at the end the following new 
clause: 
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‘‘(ii) 
SOURCE
OF
LOAN
REPAY-
MENT.—Subparagraph (A) shall not apply 
to any repayment of a loan which is— 
‘‘(I) made by a repayment of an-
other loan, or 
‘‘(II) financed by an issue treated 
as a refunding issue under subpara-
graph (A).’’. 
(3) CONFORMING AMENDMENT.—The heading 
of paragraph (6) of section 146(i) of the Internal 
Revenue Code of 1986 is amended by striking ‘‘RES-
IDENTIAL RENTAL PROJECT BONDS AS REFUNDING 
BONDS IRRESPECTIVE OF OBLIGOR’’ and inserting 
‘‘BONDS AS REFUNDING BONDS’’. 
(4) EFFECTIVE DATES.— 
(A) IN GENERAL.—The amendments made 
by paragraphs (1) and (3) shall apply to re-
funding issues described in section 146(i)(6)(A) 
of the Internal Revenue Code of 1986 issued on 
or after the date of the enactment of this Act. 
(B) 
REMOVAL
OF
ONE-REFUNDING 
LIMIT.—The amendments made by paragraph 
(2) shall apply to repayments of loans received 
after July 30, 2008. 
(g) AFFORDABLE HOUSING TAX CREDIT.— 
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(1) IN GENERAL.—The heading of section 42 of 
the Internal Revenue Code of 1986 is amended by 
striking ‘‘LOW-INCOME’’ and inserting ‘‘AFFORD-
ABLE’’. 
(2) CONFORMING AMENDMENTS.— 
(A) Subsection (a) of section 42 of the In-
ternal Revenue Code of 1986 is amended by 
striking ‘‘low-income’’ and inserting ‘‘afford-
able’’. 
(B) Paragraph (5) of section 38(b) of such 
Code is amended by striking ‘‘low-income’’ and 
inserting ‘‘affordable’’. 
(C) The heading of subparagraph (D) of 
section 469(i)(3) of such Code is amended by 
striking ‘‘LOW-INCOME’’ and inserting ‘‘AF-
FORDABLE’’. 
(D) The heading of subparagraph (B) of 
section 469(i)(6) of such Code is amended by 
striking ‘‘LOW-INCOME’’ and inserting ‘‘AF-
FORDABLE’’. 
(E) Paragraph (7) of section 772(a) of 
such Code is amended by striking ‘‘low-income’’ 
and inserting ‘‘affordable’’. 
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(F) Paragraph (5) of section 772(d) of 
such Code is amended by striking ‘‘low-income’’ 
and inserting ‘‘affordable’’. 
(3) CLERICAL AMENDMENT.—The item relating 
to section 42 in the table of sections for subpart D 
of part IV of subchapter A of chapter 1 of the Inter-
nal Revenue Code of 1986 is amended to read as fol-
lows: 
‘‘Sec. 42. Affordable housing credit.’’. 
(h) SENSE OF CONGRESS REGARDING DATA AND 
TRANSPARENCY.—It is the sense of Congress that in addi-
tion to expanding and strengthening the affordable hous-
ing credit through the provisions in this section, subse-
quent steps should also be taken to share data and identify 
other ways to increase the transparency of the program, 
and the House of Representatives and the Senate should 
work together with Federal agencies to identify data 
sources that can be shared. 
SEC. 
107. 
DECREASING 
THE 
EQUITY 
PENALTY 
AND 
INCENTIVIZING MORE LONG-TERM OWNERS 
TO SELL HOMES. 
(a) INCREASE OF EXCLUSION OF GAIN FROM SALE 
OF PRINCIPAL RESIDENCE.—Section 121(b) of the Inter-
nal Revenue Code of 1986 is amended— 
(1) by striking ‘‘$250,000’’ and inserting 
‘‘$500,000’’ each place it appears, 
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100 
(2) by striking ‘‘500,000’’ and inserting 
‘‘$1,000,000’’ each place it appears, 
(3) in paragraph (2)(A), in the heading, by 
striking ‘‘$500,000’’ and inserting ‘‘$1,000,000’’, and 
(4) by adding at the end the following new 
paragraph: 
‘‘(5) ADJUSTMENT
FOR
INFLATION.—In the 
case of a taxable year beginning after 2023, the 
$500,000 and $1,000,000 amounts in paragraphs 
(1), (2), and (4) shall be increased by an amount 
equal to— 
‘‘(A) such dollar amount, multiplied by 
‘‘(B) the cost-of-living adjustment deter-
mined under section 1(f)(3) for the calendar 
year in which the taxable year begins, deter-
mined by substituting ‘2022’ for ‘2016’ in sub-
paragraph (A)(ii) thereof. 
If any increase under this clause is not a multiple 
of $100, such increase shall be rounded to the next 
lowest multiple of $100.’’. 
(b) EFFECTIVE DATE.—The amendments made by 
this section shall apply to sales and exchanges after the 
date of the enactment of this Act. 
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101 
TITLE II— INCREASING ACCESS 
TO HOUSING AND ADDRESS-
ING COST 
SEC. 201. EXPANDING WORKFORCE AND VOLUNTEER HOUS-
ING. 
(a) CONGRESSIONAL FINDINGS.—The Congress finds 
that— 
(1) the lack of affordable housing in the United 
States is an issue impacting millions of middle-class, 
working American families; 
(2) many of these families earn more annually 
than the income limits for certain Federal housing 
financing and benefits; and 
(3) these families are often excluded from living 
in neighborhoods near their places of work, schools, 
shopping, and healthcare due to a lack of afford-
ability. 
(b) REPORT TO CONGRESS.—Not later than 180 days 
after the date of the enactment of this Act, the Comp-
troller General of the United States shall submit to the 
Congress a report that— 
(1) identifies issues with housing affordability 
for America’s middle-income homeowners and rent-
ers, including identifying geographically where hous-
ing is the most unaffordable for these populations; 
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102 
(2) identifies Federal housing programs, includ-
ing Federal tax credits, grants, credit programs, and 
other programs that currently benefit lower-income 
households, which are not available to middle-income 
households; 
(3) identifies any gaps in the inclusion of mid-
dle-income households in Federal housing programs 
designed to promote affordability; 
(4) sets forth recommendations for a definition 
of ‘‘workforce housing’’ based on income parameters 
in order to assist Federal agencies in including mid-
dle-income households under existing Federal pro-
grams; and 
(5) analyzes how such a definition could relate 
to incentives for workforce housing development 
through Federal programs, policies, and other initia-
tives. 
SEC. 202. SUPPORTING AFFORDABILITY AND SAFETY FOR 
PUBLIC SERVANTS. 
Section 3(a) of the United States Housing Act of 
1937 (42 U.S.C. 1437a(a)) is amended— 
(1) in paragraph (1), by striking ‘‘Except as 
provided in paragraph (2)’’ and inserting ‘‘Except as 
provided in paragraphs (2) and (4)’’; and 
(2) in paragraph (4)— 
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103 
(A) in the heading, by striking ‘‘OCCU-
PANCY
BY
POLICE
OFFICERS’’ and inserting, 
‘‘OCCUPANCY
BY
POLICE
OFFICERS, 
FIRE-
FIGHTERS, AND EMERGENCY MEDICAL TECHNI-
CIANS’’; 
(B) by redesignating subparagraph (C) as 
subparagraph (D); 
(C) by inserting after subparagraph (B) 
the following: 
‘‘(C) 
RENTAL
PAYMENTS.—Notwith-
standing paragraph (1), a family of which one 
or more members are a police officer, fire-
fighter, or emergency medical technician shall 
pay as rent for a dwelling unit assisted under 
this Act the highest of the following amounts, 
rounded to the nearest dollar: 
‘‘(i) 15 per centum of the family’s 
monthly adjusted income; or 
‘‘(ii) 5 per centum of the family’s 
monthly income’’; and 
(D) by amending subparagraph (D), as so 
redesignated, to read as follows: 
‘‘(D) DEFINITIONS.—In this paragraph: 
‘‘(i) POLICE OFFICER.—The term ‘po-
lice officer’ means any person determined 
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104 
by a public housing agency to be, during 
the period of residence of that person in 
public housing, employed on a full-time 
basis as a duly licensed professional police 
officer by a Federal, State, or local govern-
ment or by any agency thereof (including 
a public housing agency having an accred-
ited police force). 
‘‘(ii) FIREFIGHTER.—The term ‘fire-
fighter’ means any person determined by a 
public housing agency to be, during the pe-
riod of residence of that person in public 
housing, employed on a full-time basis as 
a firefighter by a fire department or emer-
gency medical services responder unit of 
the Federal Government, a State, unit of 
general local government, or an Indian 
tribal government. 
‘‘(iii) EMERGENCY MEDICAL TECHNI-
CIAN.—The term ‘emergency medical tech-
nician’ means any person determined by a 
public housing agency to be, during the pe-
riod of residence of that person in public 
housing, employed on a full-time basis as 
an emergency medical technician by a fire 
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105 
department or emergency medical services 
responder unit of the Federal Government, 
a State, unit of general local government, 
or an Indian tribal government.’’. 
SEC. 203. EXPANDING PROGRAMS SUPPORTING HOMEOWN-
ERSHIP FOR THOSE SERVING THE COMMU-
NITY. 
(a) ELIGIBILITY FOR GOOD NEIGHBORS NEXT DOOR 
SALES PROGRAM.—Members of the Armed Forces, fire-
fighters, and law enforcement officers shall be eligible to 
purchase eligible properties under the Good Neighbor 
Next Door Sales Program of the Secretary of Housing and 
Urban Development, as provided under subsection (b). 
(b) ELIGIBLE PROPERTIES.—Notwithstanding sec-
tion 204 of the National Housing Act (12 U.S.C. 1710), 
part 291 of the regulations of the Secretary of Housing 
and Urban Development (24 C.F.R. part 291), or any 
other provision of law, regulation, guideline, order, or no-
tice, in carrying out the Good Neighbor Next Door Sales 
Program for single-unit properties acquired by the Sec-
retary, properties shall be made available for purchase 
under the Program by members of the Armed Forces, by 
firefighters, and by law enforcement officers without re-
gard to whether or not they are located in a revitalization 
area. 
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106 
(c) REGULATIONS.—The Secretary of Housing and 
Urban Development shall amend the regulations of the 
Secretary as necessary to carry out subsections (a) and 
(b). 
SEC. 204. IMPROVING VOLUNTEER FIRST RESPONDER 
HOUSING. 
(a) DEFINITIONS.—In this section: 
(1) BONA
FIDE
VOLUNTEER; ELIGIBLE
EM-
PLOYER; QUALIFIED SERVICES.—The terms ‘‘bona 
fide volunteer’’, ‘‘eligible employer’’, and ‘‘qualified 
services’’ have the meanings given those terms in 
section 457(e) of the Internal Revenue Code of 
1986. 
(2) INDIAN TRIBE.—The term ‘‘Indian Tribe’’ 
has the meaning given the term ‘‘Indian tribe’’ in 
section 501(b) of the Housing Act of 1949 (42 
U.S.C. 1471(b)). 
(3) 
QUALIFIED
VOLUNTEER
FIRST
RE-
SPONDER.—The term ‘‘qualified volunteer first re-
sponder’’ means any individual who— 
(A) is a bona fide volunteer performing 
qualified services for an eligible employer; 
(B) continuously served as a volunteer for 
the eligible employer during the 2-year period 
preceding the date on which the individual sub-
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107 
mits a verification letter under section 3(b) or 
4(b); 
(C) during each of the 2 years described in 
subparagraph (B)— 
(i) met the minimum requirements for 
active membership established by the eligi-
ble employer; or 
(ii) if the eligible employer did not es-
tablish minimum requirements, volunteered 
for not less than 200 hours; and 
(D) is certified as a firefighter or other 
first responder in the State, political subdivision 
of a State, or jurisdiction of an Indian Tribe in 
which the individual is serving as volunteer. 
(b) DEPARTMENT OF AGRICULTURE SINGLE FAMILY 
HOUSING GUARANTEED LOAN PROGRAM.— 
(1) IN GENERAL.—A qualified volunteer first 
responder who submits to the Secretary of Agri-
culture (referred to in this subsection as the ‘‘Sec-
retary’’) a verification letter in accordance with 
paragraph (2) shall be eligible for a deduction in an-
nual income under section 3555.152(c) of title 7, 
Code of Federal Regulations (or any successor regu-
lation), in the amount of $18,000. 
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108 
(2) VERIFICATION LETTER.—To be eligible for 
a deduction under paragraph (1), a qualified volun-
teer first responder shall submit to the Secretary a 
verification letter from the head of the eligible em-
ployer for which the qualified volunteer first re-
sponder volunteers, which shall— 
(A) include the date on which the qualified 
volunteer first responder joined the eligible em-
ployer as a volunteer; 
(B) attest to the Secretary that the quali-
fied volunteer first responder meets the require-
ments under subparagraphs (B) and (C) of sub-
section (a)(3); and 
(C) include a copy of the certification de-
scribed in subsection (a)(3)(D). 
(c) GOOD NEIGHBOR NEXT DOOR SALES PROGRAM 
AND SIMILAR PROGRAMS.— 
(1) ELIGIBILITY.—A qualified volunteer first 
responder who submits to the Secretary of Housing 
and Urban Development (referred to in this section 
as the ‘‘Secretary’’) a verification letter in accord-
ance with paragraph (2) shall qualify as a firefighter 
or emergency medical technician for purposes of any 
single family property disposition program carried 
out by the Secretary by regulation under section 
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110 
SEC. 205. IMPROVING ACCESS TO HOUSING FOR VETERANS. 
(a) SERVICE CONNECTED DISABILITY COMPENSA-
TION.—Section 102(a)(20) of the Housing and Commu-
nity Development Act of 1974 (42 U.S.C. 5302(a)(20)) 
is amended by adding at the end the following: 
‘‘(C) 
SERVICE-CONNECTED
DISABILITY 
COMPENSATION.—When determining whether a 
person is of a person of low and moderate in-
come, a person of low income, or a person of 
moderate income under this paragraph, a State, 
unit of general local government, or Indian 
tribe shall exclude any service-connected dis-
ability compensation received by such person 
from the Department of Veterans Affairs.’’. 
(b) REPORT.—The Comptroller General of the 
United States shall, not later than 1 year after the date 
of the enactment of this Act, submit to the Congress a 
report that— 
(1) examines how service-connected disability 
compensation is treated for the purposes of deter-
mining eligibility for all programs administered by 
the Secretary of Housing and Urban Development 
and identifies any cases where service-connected dis-
ability compensation is treated inconsistently across 
a program; and 
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111 
(2) with respect to each program administered 
by the Secretary of Housing and Urban Develop-
ment, provides legislative recommendations relating 
to how such program could better serve veteran pop-
ulations, and under-served communities. 
SEC. 206. SUPPORTING VETERAN FAMILIES IN NEED. 
Section 2044(e) of title 38, United States Code, is 
amended— 
(1) by redesignating subparagraphs (A) through 
(H) as paragraphs (1) through (8), respectively; and 
(2) by adding at the end the following new 
paragraph: 
‘‘(9) The amounts that are appropriated to 
carry out such subsections for fiscal year 2025 and 
each fiscal year thereafter.’’. 
SEC. 207. ATTRACTING PRIVATE INVESTMENT TO BUILD 
AND 
REHABILITATE 
OWNER-OCCUPIED 
HOMES. 
(a) IN GENERAL.—Subpart D of part IV of sub-
chapter A of chapter 1 of the Internal Revenue Code of 
1986 is amended by inserting after section 42 the fol-
lowing new section: 
‘‘SEC. 42A. NEIGHBORHOOD HOMES CREDIT. 
‘‘(a) ALLOWANCE OF CREDIT.—For purposes of sec-
tion 38, the neighborhood homes credit determined under 
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112 
this section for the taxable year is, with respect to each 
qualified residence sold by the taxpayer during such tax-
able year in an affordable sale, the lesser of— 
‘‘(1) an amount equal to— 
‘‘(A) the excess (if any) of— 
‘‘(i) the reasonable development costs 
paid or incurred by the taxpayer with re-
spect to such qualified residence, over 
‘‘(ii) the sale price of such qualified 
residence (reduced by any reasonable ex-
penses paid or incurred by the taxpayer in 
connection with such sale), or 
‘‘(B) if the neighborhood homes credit 
agency determines it is necessary to ensure fi-
nancial feasibility, an amount not to exceed 120 
percent of the amount under subparagraph (A), 
‘‘(2) 35 percent of the eligible development 
costs paid or incurred by the taxpayer with respect 
to such qualified residence, or 
‘‘(3) 28 percent of the national median sale 
price for new homes (as determined pursuant to the 
most recent census data available as of the date on 
which the neighborhood homes credit agency makes 
an allocation for the qualified project). 
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113 
‘‘(b) DEVELOPMENT COSTS.—For purposes of this 
section— 
‘‘(1) REASONABLE DEVELOPMENT COSTS.— 
‘‘(A) IN GENERAL.—The term ‘reasonable 
development costs’ means amounts paid or in-
curred for the acquisition of buildings and land, 
construction, substantial rehabilitation, demoli-
tion of structures, or environmental remedi-
ation, to the extent that the neighborhood 
homes credit agency determines that such 
amounts meet the standards specified pursuant 
to subsection (f)(1)(C) (as of the date on which 
construction or substantial rehabilitation is sub-
stantially complete, as determined by such 
agency) and are necessary to ensure the finan-
cial feasibility of such qualified residence. 
‘‘(B) CONSIDERATIONS IN MAKING DETER-
MINATION.—In making the determination under 
subparagraph (A), the neighborhood homes 
credit agency shall consider— 
‘‘(i) the sources and uses of funds and 
the total financing, 
‘‘(ii) any proceeds or receipts gen-
erated or expected to be generated by rea-
son of tax benefits, and 
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‘‘(iii) the reasonableness of the devel-
opmental costs and fees. 
‘‘(2) ELIGIBLE
DEVELOPMENT
COSTS.—The 
term ‘eligible development costs’ means the amount 
which would be reasonable development costs if the 
amounts taken into account as paid or incurred for 
the acquisition of buildings and land did not exceed 
75 percent of such costs determined without regard 
to any amount paid or incurred for the acquisition 
of buildings and land. 
‘‘(3) 
SUBSTANTIAL
REHABILITATION.—The 
term ‘substantial rehabilitation’ means amounts paid 
or incurred for rehabilitation of a qualified residence 
if such amounts exceed the greater of— 
‘‘(A) $20,000, or 
‘‘(B) 20 percent of the amounts paid or in-
curred by the taxpayer for the acquisition of 
buildings and land with respect to such quali-
fied residence. 
‘‘(4) CONSTRUCTION
AND
REHABILITATION 
ONLY AFTER ALLOCATION TAKEN INTO ACCOUNT.— 
‘‘(A) IN GENERAL.—The terms ‘reasonable 
development costs’ and ‘eligible development 
costs’ shall not include any amount paid or in-
curred before the date on which an allocation is 
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made to the taxpayer under subsection (e) with 
respect to the qualified project of which the 
qualified residence is part unless such amount 
is paid or incurred for the acquisition of build-
ings or land. 
‘‘(B) LAND
AND
BUILDING
ACQUISITION 
COSTS.—Amounts paid or incurred for the ac-
quisition of buildings or land shall be included 
under paragraph (A) only if paid or incurred 
not more than 3 years before the date on which 
the allocation referred to in subparagraph (A) 
is made. If the taxpayer acquired any building 
or land from an entity (or any related party to 
such entity) that holds an ownership interest in 
the taxpayer, then such entity must also have 
acquired such property within such 3-year pe-
riod, and the acquisition cost included under 
subparagraph (A) with respect to the taxpayer 
shall not exceed the amount such entity paid or 
incurred to acquire such property. 
‘‘(c) QUALIFIED RESIDENCE.—For purposes of this 
section— 
‘‘(1) IN GENERAL.—The term ‘qualified resi-
dence’ means a residence that— 
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‘‘(A) is real property affixed on a perma-
nent foundation, 
‘‘(B) is— 
‘‘(i) a house which is comprised of 4 
or fewer residential units, 
‘‘(ii) a condominium unit, or 
‘‘(iii) a house or an apartment owned 
by a cooperative housing corporation (as 
defined in section 216(b)), 
‘‘(C) is part of a qualified project with re-
spect to which the neighborhood homes credit 
agency has made an allocation under subsection 
(e), and 
‘‘(D) is located in a qualified census tract 
(determined as of the date of such allocation). 
‘‘(2) QUALIFIED CENSUS TRACT.— 
‘‘(A) IN
GENERAL.—The term ‘qualified 
census tract’ means a census tract— 
‘‘(i) which— 
‘‘(I) has a median family income 
which does not exceed 80 percent of 
the median family income for the ap-
plicable area, 
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‘‘(II) has a poverty rate that is 
not less than 130 percent of the pov-
erty rate of the applicable area, and 
‘‘(III) has a median value for 
owner-occupied homes that does not 
exceed the median value for owner-oc-
cupied homes in the applicable area, 
‘‘(ii) which— 
‘‘(I) is located in a city which has 
a population of not less than 50,000 
and such city has a poverty rate that 
is not less than 150 percent of the 
poverty rate of the applicable area, 
‘‘(II) has a median family income 
which does not exceed the median 
family income for the applicable area, 
and 
‘‘(III) has a median value for 
owner-occupied homes that does not 
exceed 80 percent of the median value 
for owner-occupied homes in the ap-
plicable area, 
‘‘(iii) which— 
‘‘(I) is located in a nonmetropoli-
tan county, 
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‘‘(II) has a median family income 
which does not exceed the median 
family income for the applicable area, 
and 
‘‘(III) has been designated by a 
neighborhood homes credit agency 
under this clause, or 
‘‘(iv) which is not otherwise a quali-
fied census tract and is located in a dis-
aster 
area 
(as 
defined 
in 
section 
7508A(d)(3)), but only with respect to 
credits allocated in any period during 
which the President of the United States 
has determined that such area warrants in-
dividual or individual and public assistance 
by the Federal Government under the Rob-
ert T. Stafford Disaster Relief and Emer-
gency Assistance Act. 
‘‘(B) APPLICABLE AREA.—The term ‘appli-
cable area’ means— 
‘‘(i) in the case of a metropolitan cen-
sus tract, the metropolitan area in which 
such census tract is located, and 
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‘‘(ii) in the case of a census tract 
other than a census tract described in 
clause (i), the State. 
‘‘(d) AFFORDABLE SALE.—For purposes of this sec-
tion— 
‘‘(1) IN GENERAL.—The term ‘affordable sale’ 
means a sale to a qualified homeowner of a qualified 
residence that the neighborhood homes credit agency 
certifies as meeting the standards promulgated 
under subsection (f)(1)(D) for a price that does not 
exceed— 
‘‘(A) in the case of any qualified residence 
not described in subparagraph (B), (C), or (D), 
the amount equal to the product of 4 multiplied 
by the median family income for the applicable 
area (as determined pursuant to the most re-
cent census data available as of the date of the 
contract for such sale), 
‘‘(B) in the case of a house comprised of 
2 residential units, 125 percent of the amount 
described in subparagraph (A), 
‘‘(C) in the case of a house comprised of 
3 residential units, 150 percent of the amount 
described in subparagraph (A), or 
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‘‘(D) in the case of a house comprised of 
4 residential units, 175 percent of the amount 
described in subparagraph (A). 
‘‘(2) 
QUALIFIED
HOMEOWNER.—The 
term 
‘qualified homeowner’ means, with respect to a 
qualified residence, an individual— 
‘‘(A) who owns and uses such qualified res-
idence as the principal residence of such indi-
vidual, and 
‘‘(B) whose family income (determined as 
of the date that a binding contract for the af-
fordable sale of such residence is entered into) 
is 140 percent or less of the median family in-
come for the applicable area in which the quali-
fied residence is located. 
‘‘(e) CREDIT CEILING AND ALLOCATIONS.— 
‘‘(1) CREDIT LIMITED BASED ON ALLOCATIONS 
TO QUALIFIED PROJECTS.— 
‘‘(A) IN
GENERAL.—The credit allowed 
under subsection (a) to any taxpayer for any 
taxable year with respect to one or more quali-
fied residences which are part of the same 
qualified project shall not exceed the excess (if 
any) of— 
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‘‘(i) the amount allocated by the 
neighborhood homes credit agency under 
this paragraph to such taxpayer with re-
spect to such qualified project, over 
‘‘(ii) the aggregate amount of credit 
allowed under subsection (a) to such tax-
payer with respect to qualified residences 
which are a part of such qualified project 
for all prior taxable years. 
‘‘(B) DEADLINE
FOR
COMPLETION.—No 
credit shall be allowed under subsection (a) 
with respect to any qualified residence unless 
the affordable sale of such residence is during 
the 5-year period beginning on the date of the 
allocation to the qualified project of which such 
residence is a part (or, in the case of a qualified 
residence to which subsection (i) applies, the re-
habilitation of such residence is completed dur-
ing such 5-year period). 
‘‘(2) LIMITATIONS ON ALLOCATIONS TO QUALI-
FIED PROJECTS.— 
‘‘(A) ALLOCATIONS
LIMITED
BY
STATE 
NEIGHBORHOOD HOMES CREDIT CEILING.—The 
aggregate amount allocated to taxpayers with 
respect to qualified projects by the neighbor-
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122 
hood homes credit agency of any State for any 
calendar year shall not exceed the State neigh-
borhood homes credit amount of such State for 
such calendar year. 
‘‘(B) SET-ASIDE FOR CERTAIN PROJECTS 
INVOLVING QUALIFIED NONPROFIT ORGANIZA-
TIONS.—Rules similar to the rules of section 
42(h)(5) shall apply for purposes of this sec-
tion. 
‘‘(3) DETERMINATION
OF
STATE
NEIGHBOR-
HOOD HOMES CREDIT CEILING.— 
‘‘(A) IN GENERAL.—The State neighbor-
hood homes credit amount for a State for a cal-
endar year is an amount equal to the sum of— 
‘‘(i) the greater of— 
‘‘(I) the product of $7, multiplied 
by the State population (determined 
in accordance with section 146(j)), or 
‘‘(II) $9,000,000, and 
‘‘(ii) any amount previously allocated 
to any taxpayer with respect to any quali-
fied project by the neighborhood homes 
credit agency of such State which can no 
longer be allocated to any qualified resi-
dence because the 5-year period described 
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in paragraph (1)(B) expires during cal-
endar year. 
‘‘(B) 3-YEAR CARRYFORWARD OF UNUSED 
LIMITATION.—The State neighborhood homes 
credit amount for a State for a calendar year 
shall be increased by the excess (if any) of the 
State neighborhood homes credit amount for 
such State for the preceding calendar year over 
the aggregate amount allocated by the neigh-
borhood homes credit agency of such State dur-
ing such preceding calendar year. Any amount 
carried forward under the preceding sentence 
shall not be carried past the third calendar year 
after the calendar year in which such credit 
amount originally arose, determined on a first- 
in, first-out basis. 
‘‘(f) RESPONSIBILITIES OF NEIGHBORHOOD HOMES 
CREDIT AGENCIES.— 
‘‘(1) IN GENERAL.—Notwithstanding subsection 
(e), the State neighborhood homes credit dollar 
amount shall be zero for a calendar year unless the 
neighborhood homes credit agency of the State— 
‘‘(A) allocates such amount pursuant to a 
qualified allocation plan of the neighborhood 
homes credit agency, 
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‘‘(B) allocates not more than 20 percent of 
amounts allocated in the previous year (or for 
allocations made in 2023, not more than 20 
percent of the neighborhood homes credit ceil-
ing for such year) to projects with respect to 
qualified residences which— 
‘‘(i) are located in census tracts de-
scribed 
in 
subsection 
(c)(2)(A)(iii), 
(c)(2)(A)(iv), (i)(5), or 
‘‘(ii) are not located in a qualified 
census tract but meet the requirements of 
subsection (i)(8), 
‘‘(C) promulgates standards with respect 
to reasonable qualified development costs and 
fees, 
‘‘(D) promulgates standards with respect 
to construction quality, 
‘‘(E) in the case of any neighborhood 
homes credit agency which makes an allocation 
to a qualified project which includes any quali-
fied residence to which subsection (i) applies, 
promulgates standards with respect to pro-
tecting the owners of such residences, including 
the capacity of such owners to pay rehabilita-
tion costs not covered by the credit provided by 
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this section and providing for the disclosure to 
such owners of their rights and responsibilities 
with respect to the rehabilitation of such resi-
dences, 
‘‘(F) submits to the Secretary (at such 
time and in such manner as the Secretary may 
prescribe) an annual report specifying— 
‘‘(i) the amount of the neighborhood 
homes credits allocated to each qualified 
project for the previous year, 
‘‘(ii) with respect to each qualified 
residence completed in the preceding cal-
endar year— 
‘‘(I) the census tract in which 
such qualified residence is located, 
‘‘(II) with respect to the qualified 
project that includes such qualified 
residence, the year in which such 
project received an allocation under 
this section, 
‘‘(III) whether such qualified res-
idence was new, substantially rehabili-
tated and sold to a qualified home-
owner, or substantially rehabilitated 
pursuant to subsection (i), 
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‘‘(IV) the eligible development 
costs of such qualified residence, 
‘‘(V) the amount of the neighbor-
hood homes credit with respect to 
such qualified residence, 
‘‘(VI) the sales price of such 
qualified residence, if applicable, and 
‘‘(VII) the family income of the 
qualified homeowner (expressed as a 
percentage of the applicable area me-
dian family income for the location of 
the qualified residence), and 
‘‘(iii) such other information as the 
Secretary may require, and 
‘‘(G) makes available to the general public 
a written explanation for any allocation of a 
neighborhood homes credit dollar amount which 
is not made in accordance with established pri-
orities and selection criteria of the neighbor-
hood homes credit agency. 
Subparagraph (B) shall be applied by substituting 
‘40 percent’ for ‘20 percent’ each place it appears in 
the case of any State in which at least 45 percent 
of the State population resides outside metropolitan 
statistical areas (within the meaning of section 
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143(k)(2)(B)) and less than 20 percent of the cen-
sus tracts located in the State are described in sub-
section (c)(2)(A)(i). 
‘‘(2) QUALIFIED ALLOCATION PLAN.—For pur-
poses of this subsection, the term ‘qualified alloca-
tion plan’ means any plan which— 
‘‘(A) sets forth the selection criteria to be 
used to prioritize qualified projects for alloca-
tions of State neighborhood homes credit dollar 
amounts, including— 
‘‘(i) the need for new or substantially 
rehabilitated owner-occupied homes in the 
area addressed by the project, 
‘‘(ii) the expected contribution of the 
project to neighborhood stability and revi-
talization, including the impact on neigh-
borhood residents, 
‘‘(iii) the capability and prior perform-
ance of the project sponsor, and 
‘‘(iv) the likelihood the project will re-
sult in long-term homeownership, 
‘‘(B) has been made available for public 
comment, and 
‘‘(C) provides a procedure that the neigh-
borhood homes credit agency (or any agent or 
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contractor of such agency) shall follow for pur-
poses of— 
‘‘(i) identifying noncompliance with 
any provisions of this section, and 
‘‘(ii) notifying the Internal Revenue 
Service of any such noncompliance of 
which the agency becomes aware. 
‘‘(g) REPAYMENT.— 
‘‘(1) IN GENERAL.— 
‘‘(A) SOLD DURING 5-YEAR PERIOD.—If a 
qualified residence is sold during the 5-year pe-
riod beginning immediately after the affordable 
sale of such qualified residence referred to in 
subsection (a), the seller shall transfer an 
amount equal to the repayment amount to the 
relevant neighborhood homes credit agency. 
‘‘(B) USE OF REPAYMENTS.—A neighbor-
hood homes credit agency shall use any amount 
received pursuant to subparagraph (A) only for 
purposes of qualified projects. 
‘‘(2) REPAYMENT AMOUNT.—For purposes of 
paragraph (1)(A)— 
‘‘(A) 
IN
GENERAL.—The 
repayment 
amount is an amount equal to the applicable 
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percentage of the gain from the sale to which 
the repayment relates. 
‘‘(B) 
APPLICABLE
PERCENTAGE.—For 
purposes of subparagraph (A), the applicable 
percentage is 50 percent, reduced by 10 per-
centage points for each year of the 5-year pe-
riod referred to in paragraph (1)(A) which ends 
before the date of such sale. 
‘‘(3) LIEN
FOR
REPAYMENT
AMOUNT.—A 
neighborhood homes credit agency receiving an allo-
cation under this section shall place a lien on each 
qualified residence that is built or rehabilitated as 
part of a qualified project for an amount such agen-
cy deems necessary to ensure potential repayment 
pursuant to paragraph (1)(A). 
‘‘(4) WAIVER.— 
‘‘(A) IN
GENERAL.—The neighborhood 
homes credit agency may waive the repayment 
required under paragraph (1)(A) if the agency 
determines that making a repayment would 
constitute a hardship to the seller. 
‘‘(B) HARDSHIP.—For purposes of sub-
paragraph (A), with respect to the seller, a 
hardship may include— 
‘‘(i) divorce, 
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‘‘(ii) disability, 
‘‘(iii) illness, or 
‘‘(iv) any other hardship identified by 
the neighborhood homes credit agency for 
purposes of this paragraph. 
‘‘(h) OTHER DEFINITIONS AND SPECIAL RULES.— 
For purposes of this section— 
‘‘(1) NEIGHBORHOOD
HOMES
CREDIT
AGEN-
CY.—The term ‘neighborhood homes credit agency’ 
means the agency designated by the governor of a 
State as the neighborhood homes credit agency of 
the State. 
‘‘(2) QUALIFIED PROJECT.—The term ‘qualified 
project’ means a project that a neighborhood homes 
credit agency certifies will build or substantially re-
habilitate one or more qualified residences. 
‘‘(3) DETERMINATIONS OF FAMILY INCOME.— 
Rules similar to the rules of section 143(f)(2) shall 
apply for purposes of this section. 
‘‘(4) POSSESSIONS TREATED AS STATES.—The 
term ‘State’ includes the District of Columbia and 
the possessions of the United States. 
‘‘(5) SPECIAL RULES RELATED TO CONDOMIN-
IUMS AND COOPERATIVE HOUSING CORPORATIONS.— 
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‘‘(A) DETERMINATION OF DEVELOPMENT 
COSTS.—In the case of a qualified residence de-
scribed in clause (ii) or (iii) of subsection 
(c)(1)(A), the reasonable development costs and 
eligible development costs of such qualified resi-
dence shall be an amount equal to such costs, 
respectively, of the entire condominium or coop-
erative housing property in which such qualified 
residence is located, multiplied by a fraction— 
‘‘(i) the numerator of which is the 
total floor space of such qualified resi-
dence, and 
‘‘(ii) the denominator of which is the 
total floor space of all residences within 
such property. 
‘‘(B) TENANT-STOCKHOLDERS OF COOPER-
ATIVE
HOUSING
CORPORATIONS
TREATED
AS 
OWNERS.—In the case of a cooperative housing 
corporation (as such term is defined in section 
216(b)), a tenant-stockholder shall be treated 
as owning the house or apartment which such 
person is entitled to occupy. 
‘‘(6) RELATED PARTY SALES NOT TREATED AS 
AFFORDABLE SALES.— 
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‘‘(A) IN GENERAL.—A sale between related 
persons shall not be treated as an affordable 
sale. 
‘‘(B) RELATED
PERSONS.—For purposes 
of this paragraph, a person (in this subpara-
graph referred to as the ‘related person’) is re-
lated to any person if the related person bears 
a relationship to such person specified in sec-
tion 267(b) or 707(b)(1), or the related person 
and such person are engaged in trades or busi-
nesses under common control (within the mean-
ing of subsections (a) and (b) of section 52). 
For purposes of the preceding sentence, in ap-
plying section 267(b) or 707(b)(1), ‘10 percent’ 
shall be substituted for ‘50 percent’. 
‘‘(7) INFLATION ADJUSTMENT.— 
‘‘(A) IN GENERAL.—In the case of a cal-
endar year after 2023, the dollar amounts in 
subsections 
(b)(3)(A), 
(e)(3)(A)(i)(I), 
(e)(3)(A)(i)(II), and (i)(2)(C) shall each be in-
creased by an amount equal to— 
‘‘(i) such dollar amount, multiplied by 
‘‘(ii) the cost-of-living adjustment de-
termined under section 1(f)(3) for such 
calendar year by substituting ‘calendar 
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year 2022’ for ‘calendar year 2016’ in sub-
paragraph (A)(ii) thereof. 
‘‘(B) ROUNDING.— 
‘‘(i) In the case of the dollar amounts 
in subsections (b)(3)(A) and (i)(2)(C), any 
increase under paragraph (1) which is not 
a multiple of $1,000 shall be rounded to 
the nearest multiple of $1,000. 
‘‘(ii) In the case of the dollar amount 
in subsection (e)(3)(A)(i)(I), any increase 
under paragraph (1) which is not a mul-
tiple of $0.01 shall be rounded to the near-
est multiple of $0.01. 
‘‘(iii) In the case of the dollar amount 
in subsection (e)(3)(A)(i)(II), any increase 
under paragraph (1) which is not a mul-
tiple of $100,000 shall be rounded to the 
nearest multiple of $100,000. 
‘‘(8) REPORT.— 
‘‘(A) IN
GENERAL.—The Secretary shall 
annually issue a report, to be made available to 
the public, which contains the information sub-
mitted pursuant to subsection (f)(1)(F). 
‘‘(B) DE-IDENTIFICATION.—The Secretary 
shall ensure that any information made public 
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134 
pursuant to subparagraph (A) excludes any in-
formation that would allow for the identification 
of qualified homeowners. 
‘‘(9) LIST
OF
QUALIFIED
CENSUS
TRACTS.— 
The Secretary of Housing and Urban Development 
shall, for each year, make publicly available a list of 
qualified census tracts under— 
‘‘(A) on a combined basis, clauses (i) and 
(ii) of subsection (c)(2)(A), 
‘‘(B) clause (iii) of such subsection, and 
‘‘(C) subsection (i)(5)(A). 
‘‘(10) DENIAL OF DEDUCTIONS IF CONVERTED 
TO RENTAL HOUSING.—If, during the 5-year period 
beginning immediately after the affordable sale of a 
qualified residence referred to in subsection (a), an 
individual who owns a qualified residence (whether 
or not such individual was the purchaser in such af-
fordable sale) fails to use such qualified residence as 
such individual’s principal residence for any period 
of time, no deduction shall be allowed for expenses 
paid or incurred by such individual with respect to 
renting, during such period of time, such qualified 
residence. 
‘‘(i) APPLICATION OF CREDIT WITH RESPECT TO 
OWNER-OCCUPIED REHABILITATIONS.— 
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‘‘(1) IN GENERAL.—In the case of a qualified 
rehabilitation by the taxpayer of any qualified resi-
dence which is owned (as of the date that the writ-
ten binding contract referred to in paragraph (3) is 
entered into) by a specified homeowner, the rules of 
paragraphs (2) through (7) shall apply. 
‘‘(2) ALTERNATIVE CREDIT DETERMINATION.— 
In the case of any qualified residence described in 
paragraph (1), the neighborhood homes credit deter-
mined under subsection (a) with respect to such res-
idence shall (in lieu of any credit otherwise deter-
mined under subsection (a) with respect to such res-
idence) be allowed in the taxable year during which 
the qualified rehabilitation is completed (as deter-
mined by the neighborhood homes credit agency) 
and shall be equal to the least of— 
‘‘(A) the excess (if any) of— 
‘‘(i) the amounts paid or incurred by 
the taxpayer for the qualified rehabilitation 
of the qualified residence to the extent that 
such amounts are certified by the neigh-
borhood homes credit agency (at the time 
of the completion of such rehabilitation) as 
meeting the standards specified pursuant 
to subsection (f)(1)(C), over 
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‘‘(ii) any amounts paid to such tax-
payer for such rehabilitation, 
‘‘(B) 50 percent of the amounts described 
in subparagraph (A)(i), or 
‘‘(C) $50,000. 
‘‘(3) QUALIFIED REHABILITATION.— 
‘‘(A) IN GENERAL.—For purposes of this 
subsection, the term ‘qualified rehabilitation’ 
means a rehabilitation or reconstruction per-
formed pursuant to a written binding contract 
between the taxpayer and the specified home-
owner if the amount paid or incurred by the 
taxpayer in the performance of such rehabilita-
tion or reconstruction exceeds the dollar 
amount in effect under subsection (b)(3)(A). 
‘‘(B) APPLICATION OF LIMITATION TO EX-
PENSES
PAID
OR
INCURRED
AFTER
ALLOCA-
TION.—A rule similar to the rule of section 
(b)(4) shall apply for purposes of this sub-
section. 
‘‘(4) SPECIFIED
HOMEOWNER.—For purposes 
of this subsection, the term ‘qualified homeowner’ 
means, with respect to a qualified residence, an indi-
vidual— 
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‘‘(A) who owns and uses such qualified res-
idence as the principal residence of such indi-
vidual as of the date that the written binding 
contract referred to in paragraph (3) is entered 
into, and 
‘‘(B) whose family income (determined as 
of such date) does not exceed the median family 
income for the applicable area (with respect to 
the census tract in which the qualified residence 
is located). 
‘‘(5) ADDITIONAL CENSUS TRACTS IN WHICH 
OWNER-OCCUPIED RESIDENCES MAY BE LOCATED.— 
In the case of any qualified residence described in 
paragraph (1), the term ‘qualified census tract’ in-
cludes any census tract which— 
‘‘(A) meets the requirements of subsection 
(c)(2)(A)(i) without regard to subclause (III) 
thereof, and 
‘‘(B) is designated by the neighborhood 
homes credit agency for purposes of this para-
graph. 
‘‘(6) MODIFICATION OF REPAYMENT REQUIRE-
MENT.—In the case of any qualified residence de-
scribed in paragraph (1), subsection (g) shall be ap-
plied by beginning the 5-year period otherwise de-
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scribed therein on the date on which the qualified 
homeowner acquired such residence. 
‘‘(7) RELATED PARTIES.—Paragraph (1) shall 
not apply if the taxpayer is the owner of the quali-
fied residence described in paragraph (1) or is re-
lated (within the meaning of subsection (h)(6)(B)) 
to such owner. 
‘‘(8) PYRRHOTITE REMEDIATION.—The require-
ment of subsection (c)(1)(C) shall not apply to a 
qualified rehabilitation under this subsection of a 
qualified residence that is documented by an engi-
neer’s report and core testing to have a foundation 
that is adversely impacted by pyrrhotite or other 
iron sulfide minerals. 
‘‘(j) REGULATIONS.—The Secretary shall prescribe 
such regulations as may be necessary or appropriate to 
carry out the purposes of this section, including regula-
tions that prevent avoidance of the rules, and abuse of 
the purposes, of this section.’’. 
(b) CREDIT ALLOWED AS PART OF GENERAL BUSI-
NESS CREDIT.—Section 38(b) of the Internal Revenue 
Code of 1986 is amended by striking ‘‘plus’’ at the end 
of paragraph (37), by striking the period at the end of 
paragraph (38) and inserting ‘‘, plus’’, and by adding at 
the end the following new paragraph: 
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‘‘(39) the neighborhood homes credit deter-
mined under section 42A(a).’’. 
(c) CREDIT ALLOWED AGAINST ALTERNATIVE MIN-
IMUM TAX.—Section 38(c)(4)(B) of the Internal Revenue 
Code of 1986 is amended by redesignating clauses (iv) 
through (xii) as clauses (v) through (xiii), respectively, and 
by inserting after clause (iii) the following new clause: 
‘‘(iv) the credit determined under sec-
tion 42A,’’. 
(d) BASIS ADJUSTMENTS.— 
(1) ENERGY EFFICIENT HOME IMPROVEMENT 
CREDIT.—Section 25C(g) of the Internal Revenue 
Code of 1986 is amended by adding after the first 
sentence the following new sentence: ‘‘This sub-
section shall not apply for purposes of determining 
the eligible development costs or adjusted basis of 
any building under section 42A.’’. 
(2) RESIDENTIAL
CLEAN
ENERGY
CREDIT.— 
Section 25D(f) of such Code is amended by adding 
after the first sentence the following new sentence: 
‘‘This subsection shall not apply for purposes of de-
termining the eligible development costs or adjusted 
basis of any building under section 42A.’’. 
(3) NEW ENERGY EFFICIENT HOME CREDIT.— 
Section 45L(e) of such Code is amended by inserting 
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‘‘or for purposes of determining the eligible develop-
ment costs or adjusted basis of any building under 
section 42A’’ after ‘‘section 42’’. 
(e) EXCLUSION FROM GROSS INCOME.—Part III of 
subchapter B of chapter 1 of the Internal Revenue Code 
of 1986 is amended by inserting before section 140 the 
following new section: 
‘‘SEC. 139J. STATE ENERGY SUBSIDIES FOR QUALIFIED 
RESIDENCES. 
‘‘(a) EXCLUSION FROM GROSS INCOME.—Gross in-
come shall not include the value of any subsidy provided 
to a taxpayer (whether directly or indirectly) by any State 
energy office (as defined in section 124(a) of the Energy 
Policy Act of 2005 (42 U.S.C. 15821(a))) for purposes 
of any energy improvements made to a qualified residence 
(as defined in section 42A(c)(1)).’’. 
(f) CONFORMING AMENDMENTS.— 
(1) Subsections (i)(3)(C), (i)(6)(B)(i), and 
(k)(1) of section 469 of the Internal Revenue Code 
of 1986 are each amended by inserting ‘‘or 42A’’ 
after ‘‘section 42’’. 
(2) The table of sections for subpart D of part 
IV of subchapter A of chapter 1 of such Code is 
amended by inserting after the item relating to sec-
tion 42 the following new item: 
‘‘Sec. 42A. Neighborhood homes credit.’’. 
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(3) The table of sections for part III of sub-
chapter B of chapter 1 of such Code is amended by 
inserting before the item relating to section 140 the 
following new item: 
‘‘Sec. 139J. State energy subsidies for qualified residences.’’. 
(g) EFFECTIVE DATE.—The amendments made by 
this section shall apply to taxable years beginning after 
December 31, 2023. 
SEC. 208. BETTER UTILIZING AND DISPOSING OF UNUSED 
MILITARY AND GOVERNMENT LANDS FOR 
HOUSING. 
(a) IN GENERAL.—A State or unit of local govern-
ment may submit a petition to a Federal agency request-
ing to use unused property owned by such Federal agency 
for the construction of affordable housing. 
(b) SUBMISSION TO PBRB.—Any Federal agency 
that receives a petition under subsection (a) shall submit 
a copy of such petition to the Public Buildings Reform 
Board. 
(c) DETERMINATION.—A Federal agency that re-
ceives a petition under subsection (a) shall, not less that 
60 days after receiving such petition determine whether 
the property is excess. 
(d) JUSTIFICATION REQUIRED.—If a Federal agency 
determines under subsection (c) that a property is not ex-
cess such Federal agency shall submit to the Office of 
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Management and Budget a statement that justifies why 
such property is not excess. 
(e) DONATION BY GSA.—If a Federal agency deter-
mines a property to be excess under subsection (b), the 
General Services Administration may donate such prop-
erty to the State or unit of local government that sub-
mitted the petition under subsection (a). 
SEC. 209. ENERGY CONSERVATION STANDARDS FOR MANU-
FACTURED HOUSING. 
The Secretary of Energy may not, by rule or other-
wise, establish energy conservation standards for manu-
factured housing. 
SEC. 210. RENTAL ASSISTANCE DEMONSTRATION PRO-
GRAM. 
The matter under the heading ‘‘Rental Assistance 
Demonstration’’ in the Department of Housing and Urban 
Development Appropriations Act, 2012 (Public Law 112– 
55), is amended— 
(1) by striking the second proviso; and 
(2) by striking the fourth proviso. 
SEC. 211. CREATING INCENTIVES FOR SMALL DOLLAR 
LOAN ORIGINATORS. 
(a) SMALL DOLLAR MORTGAGE DEFINED.—In this 
section, the term ‘‘small dollar mortgage’’ means a mort-
gage loan that— 
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(1) has an original principal obligation of not 
more than $70,000; 
(2) is secured by real property designed for the 
occupancy of 1 to 4 families; and 
(3) is— 
(A) insured by the Federal Housing Ad-
ministration under title II of the National 
Housing Act (12 U.S.C. 1707 et seq.); 
(B) made, guaranteed, or insured by the 
Department of Veterans Affairs; 
(C) made, guaranteed, or insured by the 
Department of Agriculture; or 
(D) eligible to be purchased or securitized 
by the Federal Home Loan Mortgage Corpora-
tion or the Federal National Mortgage Associa-
tion. 
(b) REQUIREMENT TO UPDATE REGULATIONS.—Not 
later than 270 days after the date of enactment of this 
Act, the Director of the Bureau of Consumer Financial 
Protection shall issue regulations to update part 1026 of 
title 12, Code of Federal Regulations (commonly referred 
to as ‘‘Regulation Z’’) to allow for salaried originators of 
residential mortgage loans that only originate small dollar 
mortgages. 
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SEC. 212. SMALL DOLLAR MORTGAGE POINTS AND FEES. 
(a) DEFINITION.—In this section, the term ‘‘small 
dollar mortgage’’ means a mortgage with an original prin-
cipal obligation of less than $70,000. 
(b) AMENDMENTS REQUIRED.—Not later than 180 
days after the date of enactment of this Act, the Director 
of the Bureau of Consumer Financial Protection, in con-
sultation with the Secretary of Housing and Urban Devel-
opment and the Director of the Federal Housing Finance 
Agency, shall amend the limitations with respect to points 
and fees under section 1026.32 of title 12, Code of Fed-
eral Regulations, or any successor regulation, to encourage 
additional lending for small dollar mortgages. 
SEC. 213. REMOVING OUTDATED REGULATION FOR MANU-
FACTURED HOUSING. 
(a) IN GENERAL.—Section 603(6) of the National 
Manufactured Housing Construction and Safety Stand-
ards Act of 1974 (42 U.S.C. 5402(6)) is amended by 
striking ‘‘built on a permanent chassis and’’. 
(b) IMPLEMENTATION.—Not later than 90 days after 
the date of the enactment of this Act, the consensus com-
mittee established under section 604(a)(3) of the National 
Manufactured Housing Construction and Safety Stand-
ards Act of 1974 (42 U.S.C. 5403(a)(3)) shall meet to 
develop and recommend to the Secretary of Housing and 
Urban Development such revisions to the Federal manu-
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factured home construction and safety standards, and re-
lated regulations, as are necessary to implement the 
amendment made by subsection (a) of this section. Such 
revised standards shall be considered by the Secretary for 
adoption pursuant to the process set forth in section 604 
of such Act. 
SEC. 214. RELIEVING BURDENS ON AFFORDABILITY. 
(a) IN GENERAL.—Section 164(b)(6) of the Internal 
Revenue Code of 1986 is amended by adding at the end 
the following: ‘‘In the case of a joint return for a taxable 
year beginning after December 31, 2022, and before Jan-
uary 1, 2024, if the taxpayer’s adjusted gross income for 
such taxable year is less than $500,000, subparagraph (B) 
shall be applied by substituting ‘$20,000’ for ‘$10,000’.’’. 
(b) EFFECTIVE DATE.—The amendment made by 
this section shall apply to taxable years beginning after 
December 31, 2022. 
SEC. 215. PROTECTING HOME AFFORDABILITY FROM EN-
ERGY MANDATES. 
Congress disapproves the rule submitted by the De-
partment of Housing and Urban Development and the De-
partment of Agriculture relating to ‘‘Final Determination: 
Adoption of Energy Efficiency Standards for New Con-
struction of HUD- and USDA-Financed Housing’’ (89 
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Fed. Reg. 33112 (April 26, 2024)), and such rule shall 
have no force or effect. 
TITLE III—SERVING THE MOST 
VULNERABLE; HEALTH AND 
SAFETY 
SEC. 301. GAO STUDY TO DETERMINE PROXIMITY OF HOUS-
ING TO SUPERFUND SITES. 
(a) STUDY.—The Comptroller General of the United 
States shall carry out a study to identify how many resi-
dential dwelling units, and how many dwelling units in 
public housing (as such term is defined in section 3(b) 
of the United States Housing Act of 1937 (42 U.S.C. 
1437a(B))), are located within one mile of a site that is 
included on the National Priorities List pursuant to sec-
tion 105 of the Comprehensive Environmental Response, 
Compensation, and Liability Act of 1980 (42 U.S.C. 
9605). 
(b) REPORT.—Not later than the expiration of the 
6-month period beginning on the date of the enactment 
of this Act, the Comptroller General shall submit a report 
to the Congress identifying, for each site referred to in 
subsection (a), how many residential dwelling units, and 
how many dwelling units in public housing, are located 
within one mile of such site. 
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SEC. 302. ENSURING PUBLIC HOUSING AGENCIES INSPECT 
EACH DWELLING UNIT EACH YEAR. 
The Secretary of Housing and Urban Development 
and the Comptroller General of the United States shall, 
not later than 1 year after the date of the enactment of 
this section, conduct a study and submit a report to the 
Congress that identifies: 
(1) how many inspections required to be con-
ducted by the Secretary of Housing and Urban De-
velopment in the 1-year period are incomplete; and 
(2) how many inspectors are needed to ensure 
that all inspections required to be conducted by the 
Secretary of Housing and Urban Development can 
be completed each year. 
SEC. 303. INCENTIVIZING LOCAL SOLUTIONS TO HOME-
LESSNESS. 
(a) CONTINUUM OF CARE PROGRAM.—Section 428 of 
the McKinney-Vento Homeless Assistance Act (42 U.S.C. 
1186b) is amended by adding at the end the following: 
‘‘(f) INCENTIVES FOR REDUCING HOMELESNESS.— 
‘‘(1) IN GENERAL.—From the amounts made 
available to carry out this subtitle for a fiscal year, 
the Secretary may use not more than 10 percent of 
the amounts made available to carry out this subtitle 
for incentives described in paragraph (2). 
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‘‘(2) INCENTIVES.—The Secretary may provide 
bonuses or other incentives to a geographic area 
under this subtitle if, during a fiscal year, the Sec-
retary determines that an entity receiving funds 
under this subtitle has demonstrably and measurably 
improved housing outcomes for homeless individuals 
in the geographic area.’’. 
(b) EMERGENCY SOLUTIONS GRANTS PROGRAM.— 
Section 413 of the McKinney-Vento Homeless Assistance 
Act (42 U.S.C. 11372a) is amended by adding at the end 
the following: 
‘‘(c) INCENTIVES FOR REDUCING HOMELESNESS.— 
‘‘(1) IN GENERAL.—From the amounts made 
available to carry out this subtitle for a fiscal year, 
the Secretary may use not more than 10 percent of 
the amounts made available to carry out this subtitle 
for incentives described in paragraph (2). 
‘‘(2) INCENTIVES.—The Secretary may provide 
bonuses or other incentives to a geographic area 
under this subtitle if, during a fiscal year, the Sec-
retary determines that an entity receiving funds 
under this subtitle has demonstrably and measurably 
improved housing outcomes for homeless individuals 
in the geographic area.’’. 
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SEC. 304. IMPROVING MOLD AND HEALTH STANDARDS. 
(a) DEFINITIONS.—In this section: 
(1) INDOOR
RESIDENTIAL
MOLD.—The term 
‘‘indoor residential mold’’ means any form of multi-
cellular fungi in indoor environments, including 
cladosporium, penicillium, alternaria, aspergillus, fu-
sarium, 
trichoderma, 
memnoniella, 
mucor, 
stachybotrys 
chartarum, 
streptomyces, 
and 
epicoccumoften found in water-damaged indoor envi-
ronments and building materials. 
(2) RESIDENTIAL
MOLD
INSPECTION.—The 
term ‘‘residential mold inspection’’ means an inspec-
tion, by a certified or licensed mold inspector or 
other indoor environmental professional, including 
through the Real Estate Assessment Center, of real 
property that is designed to discover— 
(A) indoor mold growth in residential prop-
erties; 
(B) conditions that facilitate indoor resi-
dential mold growth; or 
(C) indicia of conditions that are likely to 
facilitate indoor residential mold growth. 
(3) TOXIGENIC
MOLD.—The term ‘‘toxigenic 
mold’’ means any indoor mold growth that may be 
capable of producing a toxin or toxic compound, in-
cluding mycotoxins and mVOCs, that can cause pul-
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monary, respiratory, neurological, gastrointestinal, 
or dermatological illnesses, or other major adverse 
health impacts, as jointly determined by the Director 
of the National Institutes of Health, the Secretary 
of Housing and Urban Development, the Adminis-
trator of the Environmental Protection Agency, and 
the Director of the Centers for Disease Control and 
Prevention. 
(b) INTERAGENCY RESEARCH ON HEALTH IMPACTS 
OF INDOOR RESIDENTIAL MOLD.— 
(1) RESEARCH.— 
(A) IN GENERAL.—As soon as practicable 
after the date of enactment of this Act, the Di-
rector of the National Institute of Environ-
mental Health Sciences at the National Insti-
tutes of Health, in conjunction with the Sec-
retary of Housing and Urban Development, the 
Director of the Centers for Disease Control and 
Prevention, the Administrator of the Environ-
mental Protection Agency, the Secretary of En-
ergy, the Secretary of Health and Human Serv-
ices, the President of the National Academy of 
Sciences, and the Chair of the board of direc-
tors of the National Institute of Building 
Sciences shall jointly conduct a comprehensive 
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study of the health effects of indoor residential 
mold growth, using the most up-to-date sci-
entific peer-reviewed medical literature. 
(B) CONTENTS.—The study conducted 
under subparagraph (A) shall ascertain, among 
other things— 
(i) detailed information about harmful 
or toxigenic mold, as well as any toxin or 
toxic compound such mold can produce; 
(ii) the most accurate research-based 
methods of detecting harmful or toxigenic 
mold; 
(iii) potential dangers of prolonged or 
chronic exposure to indoor residential mold 
growth; 
(iv) the hazards involved with inad-
equate residential mold inspections and im-
proper indoor residential mold remediation; 
(v) the estimated current public 
health burden of new or exacerbated phys-
ical illness resulting from exposure to in-
door residential mold, including its dis-
proportionate impact on vulnerable com-
munities, including children and seniors; 
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(vi) improved understanding of the 
different health symptomology that can re-
sult from exposure to mold in indoor resi-
dential environments; 
(vii) ongoing surveillance of the preva-
lence of idiopathic pulmonary hemorrhage 
(AIPH) in infants; and 
(viii) longitudinal studies on the ef-
fects of indoor old exposure in early child-
hood on the development of asthma and 
other respiratory illnesses. 
(C) AVAILABILITY.—Not later than the ex-
piration of the 3-year period beginning on the 
date of the enactment of this Act, the results of 
the study conducted under subparagraph (A) 
shall be submitted to Congress and the Presi-
dent and made available to the general public. 
(c) MAPPING.— 
(1) IN
GENERAL.—Not later than one year 
after the date of the enactment of this Act, the Sec-
retary of Housing and Urban Development shall, 
using the previous two years of inspection data, es-
tablish a geographic information system mapping 
tool that identifies areas which are impacted by a 
known presence of indoor residential mold. 
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(2) REQUIRED
INCLUSIONS.—The Secretary 
shall include, as part of the mapping tool— 
(A) inspection documentation; 
(B) management and occupancy reviews; 
(C) transfers of budget authority for con-
tracts under section 8 of the United States 
Housing Act of 1937 (42 U.S.C. 1437f); and 
(D) any additional information, as required 
by the Secretary. 
(3) UPDATES.—The Secretary shall update the 
mapping tool with the latest inspection data not less 
often than once per year. 
(d) PUBLIC INFORMATION AND EDUCATION CAM-
PAIGN.— 
(1) REQUIREMENT.—The Administrator of the 
Environmental Protection Agency, the Secretary of 
Housing and Urban Development, and the heads of 
any other relevant Federal agencies, as determined 
by such Administrator and Secretary, shall jointly 
develop and carry out a public information and edu-
cation campaign regarding indoor air quality and re-
lated issues that provides information required 
under this section on a recurring and annual basis 
through public outreach. The campaign shall com-
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mence within 1 year after the date of the enactment 
of this Act. 
(2) TOPICS.—The information and education 
campaign shall include information on the dangers 
and prevention of indoor residential moisture and 
mold, volatile organic compounds, dust, smoking, 
pollution, indoor origins of smoke, including cooking, 
and any other health risks, as determined by such 
Administrator and Secretary. 
(3) INDOOR
RESIDENTIAL
MOLD
INFORMA-
TION.—The information and education campaign 
shall include, at minimum, the following information 
regarding indoor residential mold: 
(A) The conditions that facilitate indoor 
residential moisture and mold growth. 
(B) Guidelines for inspecting indoor resi-
dential mold growth. 
(C) Guidelines for remediating indoor resi-
dential mold growth. 
(D) The dangers and health risks of expo-
sure to indoor residential mold growth. 
(E) The importance of ventilation and 
methods to prevent moisture accumulation in 
indoor residential environments. 
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(F) Any other information as determined 
appropriate by the heads of the agencies re-
ferred to in paragraph (1). 
(4) MODES OF COMMUNICATION.— 
(A) IN GENERAL.—The public information 
and education campaign shall provide education 
and information through modes of communica-
tion that are commonly utilized and able to be 
easily consumed by relevant individuals or orga-
nizations, which shall include communication 
through advertisements on public transit in all 
50 States and in territories and possessions of 
the United States, and distribution of the pam-
phlet developed pursuant to paragraph (9) as 
required under such paragraph. 
(B) AVAILABILITY.—All education and in-
formation that is part of the information and 
education campaign shall be made publicly 
available on the websites of the Environmental 
Protection Agency, the Department of Housing 
and Urban Development, and any other applica-
ble Federal agencies. 
(5) TARGETED GROUPS.—The public informa-
tion and education campaign shall be designed to 
reach tenants, tenant organizations working directly 
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with tenants in project-based rental assistance and 
other types of federally-assisted housing, resident 
groups, landlords, health professionals, the general 
public, homeowners, prospective homeowners, the 
real estate industry, the home construction and ren-
ovation industries, the health, property and casualty, 
and life insurance industries, technical and voca-
tional schools and colleges, and other academic insti-
tutions. 
(6) INFORMATION SPECIFIC TO HEALTH PRO-
FESSIONS.—The public information and education 
campaign shall include information about warning 
signs of mold and other indoor air exposure pollut-
ants and shall include education for health profes-
sions on mold-related illness, including for health 
professions who work with vulnerable populations 
and children in school or daycare settings. 
(7) COORDINATION.—In developing and car-
rying out the public information and education cam-
paign, the heads of the agencies referred to in para-
graph (1) may coordinate with the Ad Council. 
(8) 
LANGUAGE.—All 
information 
provided 
under the public information and education cam-
paign— 
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(A) shall be provided in at least two lan-
guages, as determined by the Secretary, based 
on the most common languages spoken in the 
neighborhood, tribe, municipality, State, or re-
gion, and may be provided in additional lan-
guages based on the most common languages 
spoken in the neighborhood, tribe, municipality, 
State, or region, as determined by the Sec-
retary; and 
(B) shall be provided in language that is at 
a sixth grade reading level and is easy to under-
stand. 
(9) PAMPHLET.— 
(A) REQUIREMENT.—The Secretary of 
Housing and Urban Development, in consulta-
tion with the Director of the National Institutes 
of Health, the Administrator of the Environ-
mental Protection Agency, and the heads of any 
other agencies the Secretary considers appro-
priate, shall develop, publish, and revise, not 
less frequently than every 5 years, a pamphlet 
regarding indoor residential mold hazards. 
(B) CONTENT.—The pamphlet required 
under this subsection shall— 
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(i) contain information regarding the 
health risks associated with exposure to in-
door residential mold growth; 
(ii) provide information on the haz-
ards of indoor residential mold growth in 
federally-assisted 
and 
federally-owned 
housing; 
(iii) describe the risks of indoor resi-
dential mold exposure for persons residing 
in a dwelling with toxigenic mold; 
(iv) provide information on approved 
methods for evaluating and reducing in-
door residential mold growth and their ef-
fectiveness in identifying, reducing, elimi-
nating, or preventing indoor residential 
mold growth; 
(v) provide advice on how to obtain a 
list of persons certified to inspect or reme-
diate indoor residential mold growth in the 
area in which the pamphlet is to be used; 
(vi) include a statement that a risk 
assessment or inspection for indoor resi-
dential mold growth is recommended prior 
to the purchase, lease, or renovation of tar-
get housing; 
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(vii) include a statement that certain 
State and local laws impose additional re-
quirements related to indoor residential 
mold growth in housing and provide a list-
ing of Federal, State, and local agencies in 
each State, including address, telephone 
number, and electronic mail address, if 
available, that can provide information 
about applicable laws and available govern-
mental and private assistance and financ-
ing; 
(viii) provide information considered 
by the Administrator of the Environmental 
Protection Agency to be appropriate or 
necessary to promote awareness of the haz-
ards posed by indoor residential mold; 
(ix) include information on indoor air 
quality safety generally, including best 
practices when cooking, taking a shower or 
bath, and smoking cessation; 
(x) be publicly available on the 
websites of the Department of Housing 
and Urban Development, the Environ-
mental Protection Agency, and other appli-
cable Federal agencies; and 
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(xi) include any other information 
considered by the Administrator of the En-
vironmental Protection Agency to be ap-
propriate or necessary. 
(10) AUTHORIZATION
OF
APPROPRIATIONS.— 
There is authorized to be appropriated such sums as 
may be necessary to carry out this subsection. 
(e) GAO STUDY ON HEALTH AND SAFETY CON-
CERNS IN FEDERALLY-ASSISTED HOUSING.—Not later 
than the expiration of the 3-year period beginning on the 
date of the enactment of this Act, the Comptroller General 
of the United States shall submit a report to the Congress 
analyzing and assessing the communication, as applicable, 
between public housing agencies, landlords, and tenants 
over resolving problems with the health, safety, or other 
issues of dwelling units that are federally subsidized and 
inspected through subpart G of part 5 of title 24, Code 
of Federal Regulations, landlord responsiveness regarding 
such issues, opportunities for improvement in such com-
munications, and how tenants understand their rights and 
how they are responded to when issues arise, including 
protocols for responding to tenant complaints and tenant 
understanding of such processes. The report shall include 
recommendations for how to improve such communica-
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tions and the physical quality of the housing stock for 
which such assistance is provided. 
SEC. 305. IMPROVING PROTECTION FROM LEAD HAZARDS. 
(a) DEFINITIONS.—In this section— 
(1) the term ‘‘covered housing’’ means a dwell-
ing unit receiving project-based rental assistance or 
tenant-based rental assistance under section 8 of the 
United States Housing Act of 1937 (42 U.S.C. 
1437f); and 
(2) the term ‘‘Department’’ means the Depart-
ment of Housing and Urban Development. 
(b) ANNUAL RISK ASSESSMENT AND REPORT.—Not 
later than 1 year after the date of enactment of this Act, 
and every year thereafter, the Deputy Assistant Secretary 
for the Office of Multifamily Housing Programs of the De-
partment, in collaboration with the Office of Lead Hazard 
Control and Healthy Homes of the Department, shall— 
(1) conduct a risk assessment of covered hous-
ing to identify properties with the greatest risk of 
exposing children under the age of 6 years old to 
lead hazards, including lead-based paint and lead 
service lines; 
(2) develop an action plan relating to remedi-
ation, control, and safeguards to address lead haz-
ards, including lead-based paint and lead-service 
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lines, in covered housing identified in the risk as-
sessment conducted under paragraph (1), with pri-
ority given to those properties with children under 
the age of 6 years old; and 
(3) submit to Congress a report on properties 
with covered housing that have lead-based paint or 
lead service lines, including the number of children 
under the age of 6 years old living at these prop-
erties. 
(c) UNIFORM PHYSICAL CONDITION STANDARD IN-
SPECTIONS.—In conducting uniform physical condition in-
spections in accordance with part 5 of title 24, Code of 
Federal Regulations, or any successor regulation, the Sec-
retary shall include lead-based paint and lead service lines 
in the graded scoring as an exigent health and safety defi-
ciency to ensure that— 
(1) lead-based paint and lead service lines are 
tracked at each applicable property; and 
(2) the owners of those properties are held ac-
countable for remediating deficiencies. 
SEC. 306. IMPROVING HOUSING FOR THE ELDERLY AND 
DISABLED. 
The Comptroller General of the United States shall, 
not later than 1 year after the date of the enactment of 
this section, conduct a study that identifies options to re-
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move barriers and improve housing for persons who are 
elderly or disabled, including any potential impacts of pro-
viding capital advances for— 
(1) the program for supportive housing for the 
elderly under section 202 of the Housing Act of 
1959; and 
(2) the program for supportive housing for per-
sons with disabilities under section 811 of the Cran-
ston-Gonzalez National Affordable Housing Act. 
TITLE IV—GOOD GOVERNANCE 
SEC. 401. REQUIRING ANNUAL TESTIMONY AND OVER-
SIGHT FROM HOUSING REGULATORS. 
(a) TESTIMONY BY SECRETARY.— Section 7 of the 
Department of Housing and Urban Development Act (42 
U.S.C. 3535) is amended by adding at the end the fol-
lowing new subsection: 
‘‘(u) ANNUAL TESTIMONY.—The Secretary shall ap-
pear before the Committee on Financial Services of the 
House of Representatives and the Committee on Banking, 
Housing, and Urban Affairs of the Senate at an annual 
hearing and present testimony regarding the operations 
of the Department during the preceding year, including 
regarding the following topics: 
‘‘(1) The physical condition of all public hous-
ing and other housing assisted by the Department. 
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‘‘(2) The financial health of the mortgage in-
surance funds of the FHA. 
‘‘(3) Oversight by the Department of grantees 
and sub-grantees engaging in waste, fraud, and 
abuse. 
‘‘(4) Ongoing activities of the Department, as 
appropriate.’’. 
(b) TESTIMONY BY INSPECTOR GENERAL.—Not later 
than October 1 of each year, the Inspector General of the 
Department of Housing and Urban Development shall ap-
pear before the Committee on Financial Services of the 
House of Representatives and the Committee on Banking, 
Housing, and Urban Affairs of the Senate and present tes-
timony on the Office of Inspector General’s— 
(1) efforts to detect and prevent fraud, waste, 
and abuse; 
(2) ability to conduct and supervise audits, in-
vestigations, and reviews; 
(3) actions to identify opportunities for the pro-
grams of the Department of Housing and Urban 
Development to progress and succeed; and 
(4) ongoing activities regarding any such addi-
tional work, as appropriate. 
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SEC. 402. REQUIRING ANNUAL TESTIMONY AND OVER-
SIGHT FOR GOVERNMENT GUARANTEED OR 
INSURED MORTGAGE PROGRAMS. 
On an annual basis, the following individuals shall 
testify before the Committee on Banking, Housing, and 
Urban Affairs of the Senate and the Committee on Finan-
cial Services of the House of Representatives on mortgage 
loans guaranteed or insured by the Federal Government: 
(1) The President of the Government National 
Mortgage Association. 
(2) The Federal Housing Commissioner. 
(3) The Administrator of the Rural Housing 
Service. 
SEC. 403. TESTIMONY AND REPORT FROM UNITED STATES 
INTERAGENCY COUNCIL ON HOMELESSNESS. 
Section 203(a) of the McKinney-Vento Homeless As-
sistance Act (42 U.S.C. 11313(a)) is amended— 
(1) in paragraph (1)— 
(A) by striking ‘‘Homeless Emergency As-
sistance and Rapid Transition to Housing Act 
of 2009’’ and inserting ‘‘Revitalizing America’s 
Housing Act’’; and 
(B) by striking ‘‘update such plan annu-
ally’’ and inserting the following: ‘‘submit to the 
President and Congress a report every year 
thereafter that includes— 
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‘‘(A) the status of completion of the plan; 
‘‘(B) any modifications that were made to 
the plan and the reasons for those modifica-
tions; and 
‘‘(C) an estimate of when homelessness will 
be ended;’’; 
(2) by redesignating paragraphs (10) through 
(13) as paragraphs (11) through (14), respectively; 
(3) by redesignating the second paragraph (9) 
(relating to collecting and disseminating informa-
tion) as paragraph (10); 
(4) in paragraph (13), as so redesignated, by 
striking ‘‘and’’ at the end; 
(5) in paragraph (14), as so redesignated, by 
striking the period at the end and inserting ‘‘; and’’; 
and 
(6) by adding at the end the following: 
‘‘(15) testify annually before Congress.’’. 
SEC. 404. REPORT DETAILING NYCHA COMPLIANCE WITH 
AND HUD OVERSIGHT OF 2019 AGREEMENT. 
(a) CONGRESSIONAL FINDINGS.—The Congress finds 
that— 
(1) the New York City Housing Authority (in 
this section referred to as the ‘‘Authority’’) is the 
largest housing authority in the United States, pro-
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viding housing for over 520,000 residents in over 
177,000 apartments in the City of New York (in 
this section referred to as the ‘‘City’’); 
(2) the Authority is a public housing agency 
that receives Federal financial assistance from the 
Department of Housing and Urban Development (in 
this section referred to as the ‘‘Department’’) to ad-
minister its public housing program; 
(3) the Authority is required to, among other 
things, provide decent, safe, and sanitary housing 
for the public housing residents of the City and com-
ply with Federal law protecting children from the 
hazards of lead poisoning; 
(4) on June 11, 2018, the United States filed 
a complaint in the United States District Court for 
the Southern District of New York (in this section 
referred to as the ‘‘Complaint’’); which set forth the 
findings of the United States investigation, alleging, 
among other things, that the Authority had— 
(A) routinely failed to comply with lead- 
based paint safety regulations; 
(B) failed to provide decent, safe, and san-
itary housing, including with respect to the pro-
vision of heat and elevators and the control and 
treatment of mold and pests; and 
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(C) repeatedly misled the Department 
through false statements and deceptive prac-
tices; 
(5) in a Consent Decree executed June 11, 
2018, the Authority made admissions regarding, 
among other things, deficiencies in physical condi-
tions with respect to lead, mold, heating, elevators 
and pests and made untrue statements to the De-
partment regarding the conditions of the Authority’s 
properties and practices with regard to Public Hous-
ing Assessment System inspections; 
(6) based on the Authority’s misconduct as de-
tailed in the Complaint, on January 31, 2019, the 
Secretary of Housing and Urban Development (in 
this section referred to as the ‘‘Secretary’’) declared 
that the Authority is in substantial default within 
the meaning of section 6(j)(3)(A) of the United 
States 
Housing 
Act 
of 
1937 
(42 
U.S.C. 
1437d(j)(3)(A)); 
(7) the Department did not take possession of 
the Authority or appoint a receiver, but instead en-
tered into a voluntary agreement between the Au-
thority, the Department, and the City on January 
31, 2019, under which the Authority agreed to rem-
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