SEC. 6. STUDY AND DEMONSTRATION OF EVICTION-PRE-
VENTING INSURANCE MODELS. 
(a) IN GENERAL.—Not later than 18 months after 
the date of enactment of this Act, the Secretary shall 
study, and submit to Congress a report on— 
(1) insurance models designed to reduce evic-
tions or expand access to rental opportunities for 
tenants, such as rental payment insurance; 
(2) the cost of various insurance models de-
scribed in paragraph (1); and 
(3) the effects of various insurance models de-
scribed in paragraph (1) on tenants, landlords, and 
housing markets. 
(b) OBJECTIVES.—In conducting the study under 
subsection (a), the Secretary shall seek to— 
(1) better understand insurance models de-
scribed in that subsection that are not widely avail-
able in the United States; 
(2) assess the viability of the insurance models 
in United States markets and how the insurance 
models could be implemented through private, pub-
lic, or subsidized programs; 
(3) determine whether insurance models in 
which the insurance policy is purchased by the ten-
ant, the landlord, or a public entity would be most 
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effective in achieving the objectives under this sub-
section; 
(4) study any existing relevant insurance pro-
grams and the effectiveness of those programs, both 
domestically and internationally; 
(5) study how Federal mortgage insurance pro-
grams could help inform the structure or breadth of 
the insurance models; 
(6) study how the insurance models could be 
structured in order to best prevent evictions, par-
ticularly small-dollar evictions; 
(7) study how to structure the insurance models 
in order to prevent moral hazard; 
(8) study the potential for the insurance models 
to serve as a bridge for tenants between— 
(A) participating in more cost-intensive, 
longer-term housing programs, such as public 
housing under the United States Housing Act 
of 1937 (42 U.S.C. 1437 et seq.) or rental as-
sistance under section 8 of that Act (42 U.S.C. 
1437f); and 
(B) leaving the programs described in sub-
paragraph (A) entirely; 
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(9) study how the insurance models could be 
tailored to target or benefit lower-income families or 
vulnerable renters; and 
(10) study the extent to which the insurance 
models could be paired with landlord-tenant medi-
ation efforts. 
(c) RESULTS OF STUDY.— 
(1) REPORT.—The Secretary shall include in 
the report under subsection (a)— 
(A) a description of any insurance models 
that— 
(i) have the strongest potential to 
achieve the objectives under subsection (b); 
and 
(ii) could be tested through a dem-
onstration project; and 
(B) a proposal for a demonstration project 
to test the most promising insurance model de-
scribed in subparagraph (A). 
(2) DEMONSTRATION PROJECT PRIORITY FOR 
GRANT RECIPIENTS.—In selecting the jurisdiction in 
which to conduct the demonstration project proposed 
under paragraph (1)(B), the Secretary shall give pri-
ority to jurisdictions served by a recipient of a cov-
ered grant. 
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(3) BUDGET REQUEST.—After submitting the 
report under subsection (a), the Secretary shall in-
clude in the first annual budget request that the 
Secretary submits to Congress under section 1105 of 
title 31, United States Code, a request for funds for 
the demonstration proposal described in paragraph 
(1)(B). 
Æ 
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