122 
(i) DEFINITIONS.—For purposes of this section, the 
following definitions shall apply: 
(1) AFFIRMATIVELY
FURTHER
FAIR
HOUS-
ING.—The term ‘‘affirmatively further fair housing’’ 
has the same meaning as defined by the Secretary 
to implement section 808(e)(5) of the Fair Housing 
Act (42 U.S.C. 3608(e)(5)). 
(2) COMMUNITY
LAND
TRUST.—The term 
‘‘community land trust’’ means a nonprofit organiza-
tion or State or local governments or instrumental-
ities that— 
(A) use a ground lease or deed covenant 
with an affordability period of at least 30 years 
or more to— 
(i) make homeownership units afford-
able to households; and 
(ii) stipulate a preemptive option to 
purchase the affordable homeownership 
units so that the affordability of the units 
is preserved for successive income-eligible 
households; and 
(B) monitor properties to ensure afford-
ability is preserved. 
(3) ELIGIBLE ENTITY.—The term ‘‘eligible enti-
ty’’ means— 
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(A) a minority depository institution, as 
such term is defined in section 308 of the Fi-
nancial Institutions Reform, Recovery, and En-
forcement Act of 1989 (12 U.S.C. 1463 note); 
(B) a community development financial in-
stitution, as such term is defined in section 103 
of the Riegle Community Development and 
Regulatory Improvement Act of 1994 (12 
U.S.C. 4702), that is certified by the Secretary 
of the Treasury and targets services to minority 
and low-income populations and provides serv-
ices in neighborhoods having high concentra-
tions of minority and low-income populations; 
and 
(C) any other nonprofit, mission-driven en-
tity that the Secretary finds targets services to 
minority and low-income populations and pro-
vides services in neighborhoods having high con-
centrations of minority and low-income popu-
lations. 
(4) ELIGIBLE
HOME.—The term ‘‘eligible 
home’’ means a residential dwelling, including a unit 
in a condominium or cooperative project or a manu-
factured housing unit, that meets the requirements 
of subsection (c). 
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(5) ELIGIBLE MORTGAGE LOAN.—The term ‘‘el-
igible mortgage loan’’ means a residential mortgage 
loan that meets the requirements of subsection (d). 
(6) 
QUALIFIED
HOMEBUYER.—The 
term 
‘‘qualified homebuyer’’ means a homebuyer who 
meets the requirements of subsection (b), and in-
cludes homebuyers consisting of multiple individuals, 
co-purchasers, and multi-member households. 
(7) SECRETARY.—The term ‘‘Secretary’’ means 
the Secretary of Housing and Urban Development. 
(8) SHARED
EQUITY
HOMEOWNERSHIP
PRO-
GRAM.— 
(A) IN GENERAL.—The term ‘‘shared eq-
uity homeownership program’’ means affordable 
homeownership preservation through a resale 
restriction program administered by a commu-
nity land trust, other nonprofit organization, or 
State or local government or instrumentalities. 
(B) AFFORDABILITY
REQUIREMENTS.— 
Any such program under subparagraph (A) 
shall— 
(i) provide affordable homeownership 
opportunities to households; and 
(ii) utilize a ground lease, deed re-
striction, subordinate loan, or similar legal 
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mechanism that includes provisions ensur-
ing that the program shall— 
(I) maintain the homeownership 
unit as affordable for subsequent very 
low-, low-, or moderate-income fami-
lies for an affordability term of at 
least 30 years after recordation; 
(II) apply a resale formula that 
limits the homeowner’s proceeds upon 
resale; and 
(III) provide the program admin-
istrator or such administrator’s as-
signee a preemptive option to pur-
chase the homeownership unit from 
the homeowner at resale. 
(9) SOCIALLY AND ECONOMICALLY DISADVAN-
TAGED INDIVIDUAL.—The term ‘‘socially and eco-
nomically disadvantaged individual’’ means an indi-
vidual who meets the following requirements: 
(A) SOCIAL DISADVANTAGE.— 
(i) IN GENERAL.—The individual is a 
member of a socially disadvantaged group, 
whose members have historically been sub-
jected to racial or ethnic discrimination 
within the United States because of their 
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identity as members of such group without 
regard to their individual qualities. 
(ii) PRESUMPTION; REBUTTAL.—An 
individual identifying as Black, Hispanic, 
Native American, or Asian American, or 
any combination thereof, shall be presumed 
to be socially disadvantaged for purposes 
of clause (i). Such presumption may be re-
butted by such individual with credible evi-
dence to the contrary. 
(iii) BURDEN
OF
PROOF.—An indi-
vidual who does not identify as described 
in clause (ii) shall be required to establish 
individual social disadvantage for purposes 
of clause (i) by a preponderance of the evi-
dence. 
(iv) 
RULES.—The 
Secretary 
may 
issue regulations as necessary to establish 
procedures for complying with this sub-
paragraph. 
(B) ECONOMIC DISADVANTAGE.—The indi-
vidual has an income that meets the require-
ments under subsection (b)(1). 
(10) STATE.—The term ‘‘State’’ means any 
State of the United States, the District of Columbia, 
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the Commonwealth of Puerto Rico, the United 
States Virgin Islands, Guam, the Commonwealth of 
the Northern Mariana Islands, American Samoa, 
and the tribal government of any Indian tribe, as 
such term is defined in section 4 of the Native 
American Housing Assistance and Self-Determina-
tion Act of 1996 (25 U.S.C. 4103). 
(j) REGULATIONS.—The Secretary shall issue any 
regulations necessary to implement this section. 
(k) AUTHORIZATION OF APPROPRIATIONS.—There is 
authorized to be appropriated for grants under this section 
$10,000,000,000, and any amounts appropriated pursu-
ant to this section shall remain available until expended. 
SEC. 502. FHA-INSURED SMALL DOLLAR MORTGAGE DEM-
ONSTRATION PROGRAM. 
(a) AUTHORITY.—The Secretary of Housing and 
Urban Development shall carry out a demonstration pro-
gram to make available FHA mortgage insurance to en-
courage lenders to originate small-dollar residential mort-
gage loans having an original principal balance of 
$100,000 or less. 
(b) TERMS; TIMING.— The Secretary shall establish 
the terms and requirements of the demonstration program 
under this section not later than the expiration of the 12- 
month period beginning on the date of the enactment of 
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this Act and shall begin processing applications from lend-
ers for mortgage insurance under the demonstration pro-
gram not later than the expiration of the 18-month period 
beginning on such date of enactment. 
(c) LIMITATION.—The aggregate original principal 
amount of mortgages insured under the demonstration 
program under this section may not exceed $450,000.000. 
(d) AUTHORIZATION OF APPROPRIATIONS.—There is 
authorized to be appropriated $10,000,000 for costs (as 
such term is defined in section 502 of the Congressional 
Budget Act of 1974 (2 U.S.C. 661a)) of the demonstra-
tion program under this section. 
TITLE VI—EQUITY AND HUD 
CAPACITY-BUILDING 
SEC. 601. FAIR HOUSING ENFORCEMENT. 
(a) FAIR HOUSING INITIATIVES PROGRAM.—There is 
authorized to be appropriated for the Fair Housing Initia-
tives Program under section 561 of the Housing and Com-
munity Development Act of 1987 (42 U.S.C. 3616a) 
$2,500,000,000, to remain available until expended, to en-
sure existing and newly created fair housing organizations 
have expanded and strengthened capacity to address fair 
housing inquiries and complaints; conduct local, regional, 
and national testing and investigations; conduct education 
and outreach activities; and to address costs of delivering 
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129 
or adapting services in the wake of increased housing mar-
ket activity and evolving business practices in the housing 
and lending markets. 
(b) FAIR HOUSING ASSISTANCE PROGRAM.—There is 
authorized to be appropriated for the Fair Housing Assist-
ance Program under the Fair Housing Act (42 U.S.C. 
3601 et seq.) $2,500,000,000, to remain available until 
expended. 
SEC. 602. FAIR AND EQUITABLE HOUSING DEVELOPMENT 
REQUIREMENTS. 
(a) IN GENERAL.—The Secretary of Housing and 
Urban Development, the Secretary of Agriculture, the Ad-
ministrator of the Federal Emergency Management Agen-
cy, and the Secretary of the Treasury shall require, as part 
of application for a grant or funding made available pursu-
ant to title I, II, III, or V of this Act— 
(1)(A) certification of consultation with a quali-
fied fair housing enforcement organization, as such 
term is defined in section 561 of the Housing and 
Community Development Act of 1987 (42 U.S.C. 
3616a); or 
(B) where there is no qualified fair housing en-
forcement organization that covers the relevant serv-
ice area— 
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(i) a letter of support from a local govern-
ment office that has as its mission to advance 
fair housing laws and anti-discrimination prin-
ciples; or 
(ii) where there is no local government of-
fice that has as its mission to advance fair 
housing laws and anti-discrimination principles, 
a letter of support from a Fair Housing Assist-
ance Program agency, as such term is used in 
subpart C of title 24, Code of Federal Regula-
tions; and 
(2) a description of consultations made in ac-
cordance with paragraph (1) that includes the name 
of the entity consulted, a description of the nature 
of the consultation, identification of any concerns 
raised during the consultation, and an explanation of 
any changes made as a result of the consultation. 
(b) AFFIRMATIVELY FURTHERING FAIR HOUSING.— 
Recipients of a grant or funding made available pursuant 
to funds under this Act shall be in compliance with the 
Secretary’s regulations implementing the requirement 
under section 808(e)(5) of the Fair Housing Act (42 
U.S.C. 3608(e)(5)) to affirmatively further fair housing. 
(c) FUNDING.—Of any amounts available pursuant 
to this Act for administrative and planning costs for 
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grants under this Act, not more than 0.5 percent may be 
used to provide for consultations required under this sec-
tion. 
SEC. 603. INCLUSION OF MINORITY AND WOMEN’S BUSI-
NESS ENTERPRISES. 
(a) DUTY.—It shall be the duty of each relevant 
agency head— 
(1) to consult and cooperate with grantees and 
recipients, when utilizing funds made available pur-
suant to this Act, to promote the inclusion of minor-
ity and women’s business enterprises, as defined in 
subsection (b), including to establish— 
(A) special consideration to increasing 
grantee and recipient outreach to minority and 
women’s business enterprises to inform such 
businesses of hiring opportunities created 
through such funds; and 
(B) procurement goals for the utilization of 
minority and women’s business enterprises; and 
(2) to convene meetings with leaders and offi-
cials of State and local governments, tribal entities, 
and public housing authorities for the purpose of 
recommending and promoting funding opportunities 
and initiatives needed to advance the position of mi-
nority and women’s business enterprises when com-
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peting for funds made available pursuant to this 
Act. 
(b) DEFINITIONS.—For the purposes of this section, 
the following definitions shall apply: 
(1) MINORITY.—The term ‘‘minority’’ has the 
meaning given such term in section 308(b) of the 
Financial Institutions Reform, Recovery, and En-
forcement Act of 1989 (12 U.S.C. 1463 note) and 
also includes any indigenous person in the United 
States or its territories. 
(2) MINORITY AND WOMEN’S BUSINESS ENTER-
PRISE.—The term ‘‘minority and women’s business 
enterprise’’ means a business at least 51-percent 
owned and controlled by minority group members or 
women. 
(3) RELEVANT AGENCY HEAD.—The term ‘‘rel-
evant agency head’’ means, with respect to funds 
made available pursuant to any section of this Act, 
the head of the Federal agency responsible for ad-
ministering the program under which such funds are 
to be expended. 
SEC. 
604. 
PROMOTING 
HOUSING 
ACCESSIBILITY 
AND 
VISITABILITY. 
(a) ACCESSIBILITY REQUIREMENT.—The Secretary 
of Housing and Urban Development shall issue a rule 
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amending sections 8.22 and 8.23 of title 24, Code of Fed-
eral Regulations to require that— 
(1) not less than 10 percent of total dwelling 
units or one dwelling unit, whichever is greater, in 
each multifamily housing project shall be accessible 
for persons with mobility impairments; and 
(2) in addition to the units meeting the require-
ments of paragraph (1), not less than 5 percent of 
total dwelling units or one dwelling unit, whichever 
is greater, in each multifamily housing project shall 
be shall be accessible for persons with hearing or vi-
sion impairments. 
(b) VISITABILITY REQUIREMENT.— 
(1) REQUIREMENT.—It shall be unlawful for 
any person or entity, with respect to a covered dwell-
ing unit designed, constructed, or commissioned, 
contracted, or otherwise arranged for construction, 
by the person or entity, to fail to ensure that the 
dwelling unit contains not less than 1 level that com-
plies with the Standards for Type C (Visitable) 
Units of the American National Standards Institute 
(commonly known as ANSI) Standards for Acces-
sible and Usable Buildings and Facilities (section 
1005 of ICC ANSI A117.1–2009) or any successor 
standard. 
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(2) DEFINITIONS.—As used in this subsection: 
(A) COVERED DWELLING UNIT.—The term 
‘‘covered dwelling unit’’ means a dwelling unit 
that— 
(i) is— 
(I) 
a 
detached 
single-family 
house; 
(II) a townhouse or multi-level 
dwelling unit (whether detached or at-
tached to other units or structures); 
or 
(III) a ground-floor unit in a 
building of not more than 3 dwelling 
units; 
(ii) is designed as, or intended for oc-
cupancy as, a residence; 
(iii) was designed, constructed, or 
commissioned, contracted, or otherwise ar-
ranged for construction, by any person or 
entity that, at any time before the design 
or construction, received or was guaran-
teed Federal financial assistance for any 
program or activity relating to the design, 
construction, 
or 
commissioning, 
con-
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tracting, or other arrangement for con-
struction, of the dwelling unit; and 
(iv) is made available for first occu-
pancy on or after the date that is 1 year 
after the date of enactment of this Act. 
(B) FEDERAL
FINANCIAL
ASSISTANCE.— 
The 
term 
‘‘Federal 
financial 
assistance’’ 
means— 
(i) any assistance that is provided or 
otherwise made available by the Secretary 
of Housing and Urban Development or the 
Secretary of Veterans Affairs, or under 
any program or activity of the Department 
of Housing and Urban Development or the 
Department of Veterans Affairs, through 
any grant, loan, contract, or any other ar-
rangement, on or after the date that is 1 
year after the date of enactment of this 
Act, including— 
(I) a grant, a subsidy, or any 
other funds; 
(II) service provided by a Federal 
employee; 
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(III) real or personal property or 
any interest in or use of such prop-
erty, including— 
(aa) a transfer or lease of 
the property for less than the fair 
market value or for reduced con-
sideration; and 
(bb) proceeds from a subse-
quent transfer or lease of the 
property if the Federal share of 
the fair market value is not re-
turned to the Federal Govern-
ment; 
(IV) any— 
(aa) tax credit; or 
(bb) mortgage or loan guar-
antee or insurance; and 
(V) 
community 
development 
funds in the form of an obligation 
guaranteed under section 108 of the 
Housing and Community Development 
Act of 1974 (42 U.S.C. 5308); and 
(ii) any assistance that is provided or 
otherwise made available by the Secretary 
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of Agriculture under title V of the Housing 
Act of 1949 (42 U.S.C. 1471 et seq.). 
SEC. 605. REPORTS ON OUTCOMES. 
(a) IN GENERAL.—The Secretary of Housing and 
Urban Development, in coordination with the Secretary of 
the Treasury, the Administrator of the Federal Emer-
gency Management Agency, and the Secretary of Agri-
culture, shall submit a report to the Congress on an an-
nual basis until all funds made available pursuant to this 
Act are expended, that provides a summary of outcomes 
for each program for which such funds were made avail-
able, disaggregated at the census tract level or block group 
level, when available, that shall include, to the maximum 
extent possible, identification for the preceding year of— 
(1) the total number of housing units produced, 
rehabilitated, or mitigated using such funds; 
(2) the percentage of such housing units that 
are affordable to low-, to very low-, and to extremely 
low-income households; 
(3) the number of such housing units that are 
located in high-poverty census tracts; 
(4) the number of such housing units that are 
located in low-poverty census tracts; 
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(5) the number of such housing units located in 
areas where the percentage of households in a racial 
or ethnic minority group— 
(A) is at least 20 percentage points higher 
than the percentage of that minority group for 
the Metropolitan Statistical Area; 
(B) is at least 20 percentage points higher 
than the percentage of all minorities for the 
Metropolitan Statistical Area; or 
(C) exceeds 50 percent of the population; 
(6) the number of such housing units with three 
or more bedrooms; 
(7) the number of such housing units located in 
qualified opportunity zones designated pursuant to 
section 1400Z–1 of the Internal Revenue Code of 
1986; 
(8) the number of such housing units that are 
in compliance with the design and construction re-
quirements of the Department of Housing and 
Urban Development under section 100.205 of title 
24, Code of Federal Regulations; and 
(9) any other information that the Secretary of 
Housing and Urban Development considers appro-
priate to illustrate the number of housing units 
made available and accessible to protected classes 
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under the Fair Housing Act (42 U.S.C. 3601 et 
seq.), disaggregated by protected class. 
(b) FUNDING.—Of any amounts available pursuant 
to this Act for administrative and planning costs for 
grants under this title, not more than 0.5 percent may 
be used to provide for consultations required under this 
section. The Secretary shall encourage recipients of funds 
under this Act to consult with community-based and non-
profit organizations that have as their mission to advance 
fair housing and fair lending to meet the requirements 
under this section. 
SEC. 606. HUD SALARIES AND EXPENSES. 
There 
is 
authorized 
to 
be 
appropriated 
$5,000,000,000 for salaries and expenses of the Depart-
ment of Housing and Urban Development for costs of car-
rying out this Act. 
Æ 
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