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— 
(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. 
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(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. 
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 REMOVING OUTDATED REGULATION FOR MANU-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-
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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-
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. 
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. 
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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. 
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 
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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). 
‘‘(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.— 
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‘‘(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.’’. 
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 
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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-
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.— 
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(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 
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; 
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(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; 
(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-
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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. 
(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. 
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(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-
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. 
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(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. 
(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 
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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 
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. 
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(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— 
(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 
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(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— 
(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; 
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(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; 
(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-
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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 
(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 
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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-
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 
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(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 
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. 
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(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-
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. 
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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. 
‘‘(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 
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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. 
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. 
VerDate Sep 11 2014 
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