3-year period ending on the date of purchase of a 
property using a grant under subsection (b)— 
(A) has had no present ownership in a 
principal residence in any State, excluding own-
ership of heir property; or 
(B) surrendered any present ownership in-
terest in a principal residence in any State, ex-
cluding ownership of heir property, as part of 
a divorce proceeding. 
(4) HEIR
PROPERTY.—The term ‘‘heir prop-
erty’’ means residential property for which title— 
(A) passed by operation of law through in-
testacy; and 
(B) is held by 2 or more heirs as tenants 
in common. 
(5) SECRETARY.—The term ‘‘Secretary’’ means 
the Secretary of Housing and Urban Development. 
(6) STATE.—The term ‘‘State’’ includes the 
District of Columbia and any territory or possession 
of the United States. 
(b) ESTABLISHMENT.—There is established in the 
Treasury of the United States a fund that— 
(1) shall be administered by the Secretary, act-
ing through the Office of Housing of the Depart-
ment of Housing and Urban Development; and 
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(2) shall be used— 
(A) to provide grants to eligible residents 
to purchase a property for use as a principal 
residence; 
(B) for outreach to financial institutions in 
targeted areas and eligible residents, including 
for the administration of that outreach; 
(C) for counseling or financial education 
administered by counseling agencies approved 
by the Secretary in order to ensure sustainable 
homeownership; and 
(D) to maintain any records required to 
implement this section. 
(c) GRANT AMOUNT.—An eligible resident may re-
ceive a grant under subsection (b) in an amount equal 
to— 
(1) not more than 3.5 percent of the appraised 
value of the property to be purchased; or 
(2) if the appraised value of the property to be 
purchased exceeds the principal obligation amount 
limitation for mortgages insured under title II of the 
National Housing Act (12 U.S.C. 1707 et seq.), 3.5 
percent of the maximum principal obligation limita-
tion for the property to be purchased. 
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(d) RELATION TO FHA LOAN.—An eligible resident 
shall not be required to obtain a mortgage that is insured 
under title II of the National Housing Act (12 U.S.C. 
1707 et seq.) as a condition of receiving a grant under 
subsection (b). 
(e) LAYERING OF ASSISTANCE.—Receipt by an eligi-
ble recipient of assistance for a down payment from a 
source other than the fund established under subsection 
(b), including assistance from the Federal Government, a 
State or local government, or any other public, private, 
or nonprofit source, shall not affect the eligibility of the 
eligible recipient for assistance under subsection (b). 
(f) REGULATIONS AND DATABASE.—Not later than 
1 year after the date of enactment of this Act, the Sec-
retary shall— 
(1) in consultation with interested parties, in-
cluding housing counseling agencies approved by the 
Secretary and individuals or groups with expertise in 
fair housing, promulgate regulations relating to the 
use of the fund established under subsection (b); 
(2) promulgate regulations relating to the dis-
bursement of funds under this section to ensure that 
an eligible resident is able to receive funds before 
the closing date for the home of the eligible resident, 
which may include creating a program that allows a 
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lender to be reimbursed by the fund established 
under subsection (b) if the lender— 
(A) provides an eligible resident with funds 
for the closing; or 
(B) allows an eligible resident to be 
preapproved to receive assistance under this 
section when arranging financing for the home 
of the eligible resident; and 
(3) establish methods to verify that an indi-
vidual is an eligible resident. 
(g) APPROPRIATION.—Out of funds in the Treasury 
not otherwise appropriated, there is appropriated to the 
fund established under subsection (b) such sums as may 
be necessary for each of fiscal years 2025 through 2034 
to carry out the activities under subsection (b)(2). 
(h) INCLUSION OF PROGRAM IN HOME BUYING IN-
FORMATION BOOKLETS.—Section 5(b) of the Real Estate 
Settlement Procedures Act of 1974 (12 U.S.C. 2604(b)) 
is amended by inserting after paragraph (14) the fol-
lowing: 
‘‘(15) Information relating to the down pay-
ment assistance program established under section 
201 of the American Housing and Economic Mobil-
ity Act of 2024.’’. 
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(i) INCLUSION OF PROGRAM AS MORTGAGE PROD-
UCT.—Section 203(f)(1) of the National Housing Act (12 
U.S.C. 1709(f)(1)) is amended by inserting ‘‘, including 
the down payment assistance program established under 
section 201 of the American Housing and Economic Mo-
bility Act of 2024,’’ after ‘‘mortgage products’’. 
(j) RELIANCE ON BORROWER ATTESTATIONS.—No 
additional documentation beyond the borrower’s attesta-
tion shall be required to demonstrate eligibility under 
paragraphs (2) and (3) of subsection (a), and no creditor 
shall be subject to liability, including monetary penalties 
or requirements to indemnify a Federal agency or repur-
chase a loan that has been sold or securitized, for the pro-
vision of down payment assistance under this section to 
a borrower who does not meet the eligibility requirements 
under those paragraphs if the creditor does so in good 
faith reliance on borrower attestations of eligibility re-
quired by those paragraphs or any regulation promulgated 
to carry out those paragraphs. 
(k) REPAYMENT OF ASSISTANCE.— 
(1) REQUIREMENT.—An eligible resident who 
receives a grant under subsection (b) to purchase a 
property for use as a principal residence and does 
not occupy the property as a principal residence for 
5 years or more shall repay to the Secretary a pro-
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portional amount of the grant based on the number 
of years, if any, for which the eligible resident has 
occupied the property as a principal residence. 
(2) LIMITATION.—Notwithstanding paragraph 
(1), an eligible resident who receives a grant under 
subsection (b) to purchase a property for use as a 
principal residence and does not occupy the property 
as a principal residence for 5 years or more shall not 
be liable to the Secretary for repayment under para-
graph (1) of this subsection if— 
(A) the failure to occupy the property as a 
principal residence is due at least in part to a 
hardship; or 
(B) the eligible resident sells the property 
before the expiration of the 5-year period begin-
ning on the date of acquisition and the capital 
gains from the sale to a bona fide purchaser in 
an arm’s length transaction are less than the 
amount the eligible resident would be required 
to repay under paragraph (1). 
SEC. 202. FORMULA GRANT PROGRAM FOR COMMUNITIES 
WITH AN APPRAISAL GAP. 
(a) DEFINITIONS.—In this section— 
(1) the term ‘‘neighborhood with an appraisal 
gap’’ means a census tract in which the median sales 
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price of a dwelling unit is lower than the median 
cost to acquire and rehabilitate, or build, a new 
dwelling unit; 
(2) the term ‘‘Secretary’’ means the Secretary 
of Housing and Urban Development; and 
(3) the term ‘‘State’’ has the meaning given the 
term in section 3(b)(7) of the United States Hous-
ing Act of 1937 (42 U.S.C. 1437a(b)(7)). 
(b) ESTABLISHMENT.—The Secretary shall establish 
a formula grant program to provide funding to States to 
support neighborhoods with an appraisal gap, including 
borrowers with negative equity in their primary residence 
in those neighborhoods, through— 
(1) measures that provide funds to borrowers 
to— 
(A) pay down arrears on an otherwise af-
fordable loan; 
(B) pay down arrears or principal on a 
loan in order to qualify for a loan modification 
that will allow the borrower to keep the home; 
(C) pay off, or pay down part of, a second 
mortgage or home equity line of credit; 
(D) pay off a small-dollar mortgage; 
(E) pay delinquent taxes and tax liens; 
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(F) pay off delinquent water or sewer bills 
and liens; and 
(G) pay for home repairs or maintenance 
or for modifications to bring the home into 
compliance with any applicable codes; and 
(2) programs to purchase or rehabilitate vacant 
or distressed properties to enhance neighborhood 
property values. 
(c) FORMULA.—The Secretary shall distribute 
amounts under this section to States based on— 
(1) the number of borrowers with a primary 
residence with negative equity in each State; and 
(2) the share of neighborhoods with an ap-
praisal gap in each State. 
(d) AUTHORIZATION OF APPROPRIATIONS.—There is 
authorized to be appropriated to carry out this section 
$5,000,000,000 for fiscal year 2025. 
SEC. 203. STRENGTHENING THE COMMUNITY REINVEST-
MENT ACT OF 1977. 
(a) SHORT TITLE.—This section may be cited as the 
‘‘Community Reinvestment Reform Act of 2024’’. 
(b) AMENDMENTS TO THE COMMUNITY REINVEST-
MENT ACT OF 1977.—The Community Reinvestment Act 
of 1977 (12 U.S.C. 2901 et seq.) is amended— 
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(1) by striking sections 802 and 803 (12 U.S.C. 
2901, 2902) and inserting the following: 
‘‘SEC. 802. FINDINGS AND PURPOSE. 
‘‘(a) FINDINGS.—Congress finds that— 
‘‘(1) regulated financial institutions are re-
quired by law to demonstrate that they serve the 
convenience and needs of the communities in which 
they are chartered or do business, in particular low- 
and moderate-income communities; 
‘‘(2) the convenience and needs of communities 
include the need for credit services, deposit services, 
transaction services, other financial services, and 
community development loans and investments; and 
‘‘(3) regulated financial institutions have a con-
tinuing and affirmative obligation to meet the credit 
or other financial needs of all the local communities 
in which they are chartered or do business, including 
communities in which— 
‘‘(A) the institutions make loans and do 
not accept deposits; or 
‘‘(B) the institutions accept deposits but 
do not make loans. 
‘‘(b) PURPOSE.—It is the purpose of this title to re-
quire each appropriate Federal financial supervisory agen-
cy to use its authority when examining regulated financial 
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institutions to ensure that those institutions meet the 
credit and other financial needs of the local communities 
in which they are chartered or do business consistent with 
the safe and sound operation of those institutions. 
‘‘SEC. 803. DEFINITIONS. 
‘‘In this title: 
‘‘(1) APPLICATION FOR A DEPOSIT FACILITY.— 
The term ‘application for a deposit facility’ means 
an application to the appropriate Federal financial 
supervisory agency otherwise required under Federal 
law or regulations thereunder for— 
‘‘(A) a charter for a national bank or Fed-
eral savings and loan association; 
‘‘(B) deposit insurance in connection with 
a newly chartered State bank, savings bank, 
savings and loan association, or similar institu-
tion; 
‘‘(C) the establishment of a domestic 
branch or other facility with the ability to ac-
cept deposits of a regulated financial institu-
tion; 
‘‘(D) the relocation of the home office or a 
branch office of a regulated financial institu-
tion; 
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‘‘(E) the merger or consolidation with, the 
acquisition of the assets of, or the assumption 
of the liabilities of a regulated financial institu-
tion requiring approval under section 18(c) of 
the Federal Deposit Insurance Act (12 U.S.C. 
1828(c)); or 
‘‘(F) the acquisition of shares in, or the as-
sets of, a regulated financial institution requir-
ing approval under section 3 of the Bank Hold-
ing Company Act of 1956 (12 U.S.C. 1842). 
‘‘(2) APPROPRIATE FEDERAL BANKING AGEN-
CY.—The term ‘appropriate Federal banking agency’ 
has the meaning given the term in section 3 of the 
Federal Deposit Insurance Act (12 U.S.C. 1813). 
‘‘(3) APPROPRIATE
FEDERAL
FINANCIAL
SU-
PERVISORY
AGENCY.—The term ‘appropriate Fed-
eral financial supervisory agency’ means— 
‘‘(A) the appropriate Federal banking 
agency with respect to depository institutions 
and depository institution holding companies; 
and 
‘‘(B) the Bureau of Consumer Financial 
Protection with respect to any covered person 
supervised by the Bureau pursuant to section 
1024 of the Dodd-Frank Wall Street Reform 
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and Consumer Protection Act (12 U.S.C. 
5514). 
‘‘(4) ASSESSMENT
AREA.—The term ‘assess-
ment area’ means, with respect to a regulated finan-
cial institution, each community, including a State, 
metropolitan area, or urban or rural county, in 
which the institution— 
‘‘(A) maintains deposit-taking branches, 
automated teller machines, or retail offices; 
‘‘(B) is represented by an agent; or 
‘‘(C) issues a significant number of loans 
or other products relative to the total number 
of loans or other products made by the institu-
tion or relative to the total number of loans or 
other products offered by the private sector 
market. 
‘‘(5) CLIMATE RESILIENCY AND DISASTER MITI-
GATION.—The term ‘climate resiliency and disaster 
mitigation’ means activities that— 
‘‘(A) assist individuals and communities to 
prepare for, adapt to, and withstand climate-re-
lated risks, natural disasters, or weather-related 
disasters; 
‘‘(B) benefit or serve residents of low- to 
moderate-income census tracts or climate vul-
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nerable communities and do not directly result 
in forced or involuntary relocation of those resi-
dents; and 
‘‘(C) are done in conjunction with— 
‘‘(i) a plan, program or initiative of a 
Federal, State, local or Tribal government; 
or 
‘‘(ii) a mission-driven nonprofit orga-
nization that is focused on benefiting or 
serving targeted census tracts or climate 
vulnerable communities. 
‘‘(6) CLIMATE
VULNERABLE
COMMUNITIES.— 
The term ‘climate vulnerable communities’ means 
communities experiencing heightened risk and in-
creased sensitivity to climate change with less capac-
ity and fewer resources to cope with, adapt to, or re-
cover from climate impacts, as determined by the 
appropriate Federal financial supervisory agencies 
using tools developed by Federal agencies that iden-
tify census tracts as disadvantaged based in part on 
environmental factors, including the climate and eco-
nomic justice screening tool developed by the Council 
on Environmental Quality. 
‘‘(7) COMMUNITY BENEFITS PLAN.—The term 
‘community benefits plan’ means a plan that pro-
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vides measurable goals for future amounts of safe 
and sound loans, investments, services, and other fi-
nancial products for low- and moderate-income com-
munities and other distressed or underserved com-
munities. 
‘‘(8) COMMUNITY
DEVELOPMENT.—The term 
‘community development’ includes— 
‘‘(A) affordable housing for low- or mod-
erate-income individuals and avoidance of pat-
terns of lending resulting in the loss of afford-
able housing units and housing for low- and 
moderate-income individuals in high-opportunity 
areas; 
‘‘(B) community development services, in-
cluding counseling and successful mortgage or 
loan modifications of delinquent loans; 
‘‘(C) activities that promote integration; 
‘‘(D) activities that promote economic de-
velopment by financing small businesses or 
farms that meet the size eligibility requirements 
of the development company or small business 
investment company programs under section 
121.301 of title 13, Code of Federal Regula-
tions, or any successor regulation, with an em-
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phasis on small businesses that have gross an-
nual revenues of not more than $1,000,000; 
‘‘(E) activities that revitalize or stabilize— 
‘‘(i) low- or moderate-income geog-
raphies; 
‘‘(ii) designated disaster areas; 
‘‘(iii) distressed or underserved non-
metropolitan middle-income geographies 
designated by the Federal Financial Insti-
tutions Examination Council, based on— 
‘‘(I) rates of poverty, unemploy-
ment, and population loss; or 
‘‘(II) population size, density, 
and dispersion, if those activities help 
to meet essential community needs, 
including the needs of low- and mod-
erate-income individuals; or 
‘‘(iv) other distressed or underserved 
communities; 
‘‘(F) activities that promote physical, envi-
ronmental, and sensory accessibility in housing 
stock that is integrated into the community; 
and 
‘‘(G) other activities that promote the ob-
jectives of this title, as determined by the ap-
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propriate Federal financial supervisory agen-
cies. 
‘‘(9) DEPOSITORY
INSTITUTION; DEPOSITORY 
INSTITUTION HOLDING COMPANY; INSURED DEPOSI-
TORY INSTITUTION.—The terms ‘depository institu-
tion’, ‘depository institution holding company’, and 
‘insured depository institution’ have the meanings 
given those terms in section 3 of the Federal De-
posit Insurance Act (12 U.S.C. 1813). 
‘‘(10) ENTIRE COMMUNITY.—The term ‘entire 
community’ means— 
‘‘(A) all of the assessment areas of a regu-
lated financial institution; and 
‘‘(B) areas outside of assessment areas de-
scribed in subparagraph (A) in which a regu-
lated financial institution has made loans or re-
ceived deposits. 
‘‘(11) ENUMERATED
CONSUMER
LAWS.—The 
term ‘enumerated consumer laws’ has the meaning 
given the term in section 1002 of the Consumer Fi-
nancial Protection Act of 2010 (12 U.S.C. 5481). 
‘‘(12) FOSSIL
FUEL.—The term ‘fossil fuel’ 
means coal, petroleum, methane gas (often referred 
to as ‘natural gas’), or any derivative of coal, petro-
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leum, or methane gas that is used for fuel directly 
or indirectly, such as for generating electricity. 
‘‘(13) FOSSIL FUEL COMPANY.—The term ‘fos-
sil fuel company’ means any company that— 
‘‘(A) is among the 200 companies with the 
largest fossil fuel reserves in the world; 
‘‘(B) is among the 30 largest public com-
pany owners in the world of coal-fired power 
plants; 
‘‘(C) has as its core business— 
‘‘(i) the construction or operation of 
fossil fuel infrastructure; or 
‘‘(ii) the exploration, extraction, refin-
ing, processing or distribution of fossil 
fuels; or 
‘‘(D) receives more than 50 percent of its 
gross revenue from companies that meet the 
definition under subparagraph (A), (B), or (C). 
‘‘(14) FOSSIL
FUEL
EXPANSION.—The term 
‘fossil fuel expansion’ means financing for new fossil 
fuel infrastructure projects, including financing of 
exploration activities, that would— 
‘‘(A) increase greenhouse gas emissions; 
and 
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‘‘(B) increase the difficulty of achieving 
Federal, State, or local carbon emission reduc-
tion goals. 
‘‘(15) FOSSIL
FUEL
INFRASTRUCTURE.—The 
term ‘fossil fuel infrastructure’ means oil or gas 
wells, oil or gas pipelines and refineries, oil, coal or 
gas-fired power plants, oil and gas storage tanks, 
fossil fuel export terminals, and any other infra-
structure used exclusively for fossil fuels, including 
facilities with carbon capture, utilization, and stor-
age. 
‘‘(16) GEOGRAPHY.—The term ‘geography’ 
means a census tract delineated by the Bureau of 
the Census in the most recent decennial census. 
‘‘(17) INTERMEDIATE BANK.—The term ‘inter-
mediate bank’ is a depository institution with assets 
between $391,000,000 and $1,564,000,000, as ad-
justed annually for purposes of an examination 
under section 804. 
‘‘(18) LARGE BANK.— The term ‘large bank’ is 
a depository institution with assets of not less than 
$1,564,000,000, as adjusted annually for purposes 
of an examination under section 804. 
‘‘(19) OTHER DISTRESSED OR UNDERSERVED 
COMMUNITY.—The term ‘other distressed or under-
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served community’ means an area or census tract 
that, according to a periodic review and data anal-
ysis by the appropriate Federal financial supervisory 
agencies on an interagency basis through the Fed-
eral Financial Institutions Examination Council of 
certain metrics, such as loans per households or 
small business, is experiencing economic hardship or 
is underserved by financial institutions. 
‘‘(20) OTHER
UNDERSERVED
POPULATION.— 
The term ‘other underserved population’ means a 
population that is experiencing ongoing effects of 
discrimination or is relatively underserved by finan-
cial institutions, as measured by loans per house-
holds or other similar metrics. 
‘‘(21) REGULATED FINANCIAL INSTITUTION.— 
The term ‘regulated financial institution’ means— 
‘‘(A) an insured depository institution; 
‘‘(B) a depository institution holding com-
pany; and 
‘‘(C) a U.S. nonbank mortgage originator. 
‘‘(22) SMALL BANK.—The term ‘small bank’ is 
a depository institution with assets of less than 
$391,000,000, as adjusted annually to take into ac-
count inflation for purposes of determining which in-
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stitutions are subject to an examination under sec-
tion 804. 
‘‘(23) 
U.S. 
NONBANK
MORTGAGE
ORIGI-
NATOR.—The term ‘U.S. nonbank mortgage origi-
nator’ means a covered person subject to section 
1024 of the Dodd-Frank Wall Street Reform and 
Consumer Protection Act (12 U.S.C. 5514) that of-
fers or provides— 
‘‘(A) origination of loans secured by real 
estate for use by consumers primarily for per-
sonal, family, or household purposes; or 
‘‘(B) loan modification or foreclosure relief 
services in connection with a loan described in 
subparagraph (A).’’; 
(2) in section 804 (12 U.S.C. 2903)— 
(A) by redesignating subsections (c) and 
(d) as subsections (f) and (g), respectively; 
(B) by striking subsections (a) and (b) and 
inserting the following: 
‘‘(a) DEPOSITORY INSTITUTIONS AND BANK HOLD-
ING COMPANIES.— 
‘‘(1) IN GENERAL.—In connection with its ex-
amination of a regulated financial institution other 
than a U.S. nonbank mortgage originator, the ap-
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propriate Federal financial supervisory agency shall 
perform the following: 
‘‘(A) Assess the record of the institution in 
meeting the credit and other financial needs of 
its entire community, in particular low- and 
moderate-income people and communities, and 
other distressed or underserved communities, 
and other underserved populations consistent 
with the safe and sound operation of the insti-
tution. 
‘‘(B) Assess the effectiveness of the fol-
lowing activities in meeting the credit and other 
financial needs of the assessment areas of the 
institution, consistent with the safe and sound 
operation of the institution: 
‘‘(i) Retail lending, including home, 
small business, consumer, automobile, and 
other lending and financial products, that 
responds to credit needs or other financial 
needs. 
‘‘(ii) Community development lending 
and investments, which may include a con-
sideration of— 
‘‘(I) the origination of loans and 
other efforts by the institution to as-
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sist existing low- and moderate-income 
residents to remain in affordable 
housing in their community; and 
‘‘(II) the origination of loans by 
the institution that result in the con-
struction, rehabilitation, or preserva-
tion of affordable housing units. 
‘‘(iii) Community development finance 
tests or similar tests developed by the Fed-
eral bank agencies shall include separate 
quantitative measures for community de-
velopment investments. The evaluation of 
investments shall positively or negatively 
affect test scores depending on bank per-
formance, in community development fi-
nance tests or similar tests. 
‘‘(iv) Retail financial services and 
community development services. 
‘‘(v) Evaluation of the responsiveness, 
affordability, and sustainability of retail fi-
nancial services including credit and de-
posit products shall positively or negatively 
affect tests scores, depending on bank per-
formance, in the retail products and serv-
ice test or similar tests. 
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‘‘(vi) Retail lending assessment areas, 
as defined by the regulations in part 25 of 
title 12, Code of Federal Regulations, or 
any successor regulations, shall be estab-
lished for large banks and intermediate 
banks if not more than 90 percent of the 
retail loans of the bank are in facility- 
based assessment areas containing their 
branches and deposit-taking automated 
teller machines. Large banks and inter-
mediate bank evaluations shall also exam-
ine lending outside of retail lending assess-
ment areas and facility-based assessment 
areas. Evaluations of these loans shall be 
considered when assigning an institution 
level rating to the bank. 
‘‘(C) With respect to its evaluation of an 
application for a deposit facility by the institu-
tion— 
‘‘(i) consider the record described in 
subparagraph (A), the effectiveness of the 
activities described in subparagraph (B), 
the overall rating of the institution under 
this section, and any improvement plans 
submitted pursuant to this section; 
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‘‘(ii) provide an opportunity for public 
comment for a period of not less than 60 
days; 
‘‘(iii) consider changes in the commu-
nity reinvestment performance of the insti-
tution since the most recent rating under 
this section by the appropriate Federal fi-
nancial supervisory agency; and 
‘‘(iv) require— 
‘‘(I) a demonstration of public 
benefit, including a community bene-
fits plan with measurable goals re-
garding increasing responsible lending 
and other financial products that is 
commensurate with the ability of the 
institution to accomplish those goals; 
‘‘(II) that the institution consult 
with community-based organizations 
and other community stakeholders in 
developing the community benefits 
plan; and 
‘‘(III) a public hearing for any 
institution that has a received a ‘need- 
to-improve’ or ‘low satisfactory’ grade 
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in any individual assessment area dur-
ing the most recent examination. 
‘‘(2) CONSIDERATION
OF
LENDING
IN
PART-
NERSHIP WITH NON-DEPOSITORY LENDERS.— 
‘‘(A) IN GENERAL.—As part of assessing a 
financial institution under paragraph (1), the 
appropriate Federal financial supervisory agen-
cy shall evaluate the performance of the finan-
cial institution in originating loans for small 
farms, consumer loans (including residential 
mortgages, unsecured installment loans, ad-
vances, and lines of credit), and loans for small 
businesses (including unsecured installment 
loans, advances, and lines of credit) in partner-
ship with 1 or more non-depository lenders. 
‘‘(B) 
AFFORDABILITY
AND
SUSTAIN-
ABILITY.—In making the evaluation described 
in subparagraph (A), the appropriate Federal 
financial supervisory agency shall consider the 
affordability and sustainability of the loan origi-
nations made in partnership with 1 or more 
non-depository lenders. 
‘‘(C) DEFINITIONS.—In this paragraph: 
‘‘(i) NON-DEPOSITORY LENDER.—The 
term ‘non-depository lender’ means a lend-
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er that is not an insured depository institu-
tion. 
‘‘(ii) 
SMALL
BUSINESS; 
SMALL 
FARM.—The terms ‘small business’ and 
‘small farm’ have the meanings given those 
terms under the regulations promulgated 
by the Bureau implementing the amend-
ments made by section 1071 of the Dodd 
Frank Wall Street Reform and Consumer 
Protection Act of 2010 (Public Law 111– 
203; 124 Stat. 2056) under part 1002 of 
title 12, Code of Federal Regulations, or 
any successor regulation. 
‘‘(3) DEDUCTIONS FOR FOSSIL EXPANSION.— 
‘‘(A) IN GENERAL.—As part of assessing a 
financial institution under paragraph (1), the 
appropriate Federal financial supervisory agen-
cy shall— 
‘‘(i) determine the total dollar amount 
of loans and investments to fossil fuel com-
panies for the purposes of fossil fuel ex-
pansion that were originated or held by the 
financial institution during the period cov-
ered by an examination under section 804; 
and 
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‘‘(ii) deduct not more than that total 
dollar amount from the reported commu-
nity development loans and investments of 
the financial institution, both in the aggre-
gate and at the local market, or assess-
ment area, level. 
‘‘(B) 
ACTIVITIES.—The 
deduction 
de-
scribed in subparagraph (A)(ii) may only be off-
set by financing by the institution of climate re-
siliency and disaster mitigation activities spe-
cifically targeted to underserved communities, 
such as— 
‘‘(i) the development of climate resil-
ient affordable housing, schools, and small 
businesses 
(as 
defined 
in 
paragraph 
(2)(C)); 
‘‘(ii) clean electricity projects and 
microgrids; 
‘‘(iii) nature-based protective infra-
structure; 
‘‘(iv) building decarbonization, which 
includes holistic home weatherization and 
health interventions; 
‘‘(v) lending to green small businesses 
and companies with legitimate public 
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decarbonization transition plans, strate-
gies, and targets; 
‘‘(vi) electric public transit and elec-
tric vehicle charging infrastructure; 
‘‘(vii) investments in weatherization 
and climate resilience for local businesses; 
‘‘(viii) operational and technical sup-
port and capacity building for environ-
mental and climate justice organizations, 
including support for community groups 
active in environmental testing and train-
ing of community members to identify cli-
mate or environmental risks and opportu-
nities in their communities; and 
‘‘(ix) workforce development related to 
the transition away from fossil fuels, in-
cluding activities to train workers on skills 
needed to participate in carbon-pollution- 
free energy sectors. 
‘‘(4) PENALTIES FOR SUSTAINED FAILING PER-
FORMANCE.—A regulated financial institution other 
than a U.S. nonbank mortgage originator that re-
ceives overall performance ratings under this section 
of ‘needs to improve’ or ‘substantial noncompliance’ 
for 2 consecutive examinations shall be subject to 
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the following penalties, as deemed applicable by the 
appropriate Federal financial supervisory agency: 
‘‘(A) Restrictions on the institution’s 
growth (overall or in discrete areas), business 
activities, or payment of dividends, including re-
strictions on ability to sell loans originated by 
the institution to enterprises, as defined in sec-
tion 1303 of the Federal Housing Enterprises 
Financial Safety and Soundness Act of 1992 
(12 U.S.C. 4502). 
‘‘(B) Recommendations to appropriate 
State agencies that State mortgage licenses be 
suspended or revoked with a statement of facts 
covering the justification for the recommended 
suspension or revocation. 
‘‘(C) Requiring the institution to simplify 
or reduce its operations, including that the in-
stitution reduce its asset size, divest subsidi-
aries or business lines, or exit from 1 or more 
markets of operation. 
‘‘(D) Recovery, or claw back, of portions of 
executive compensation received during consecu-
tive evaluation periods under this section of 
which the institution received an overall per-
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formance rating of ‘needs to improve’ or ‘sub-
stantial noncompliance’. 
‘‘(b) U.S. NONBANK MORTGAGE ORIGINATOR.— 
‘‘(1) IN GENERAL.—In connection with its ex-
amination of a U.S. nonbank mortgage originator, 
the appropriate Federal financial supervisory agency 
shall perform the following: 
‘‘(A) Assess the record of the U.S. 
nonbank mortgage originator in meeting the 
credit or other financial needs of its entire com-
munity, in particular low-income and moderate- 
income people and communities and other dis-
tressed or underserved communities and other 
underserved populations, consistent with the 
safe and sound operation of the U.S. nonbank 
mortgage originator. 
‘‘(B) Assess, as appropriate, the following 
activities in the assessment areas of the U.S. 
nonbank mortgage originator: 
‘‘(i) Retail lending, including home 
loans. 
‘‘(ii) Community development services. 
‘‘(iii) Community development lending 
and investments, which may include a con-
sideration of— 
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‘‘(I) the origination of loans and 
other efforts by the institution to as-
sist existing low- and moderate-income 
residents to remain in affordable 
housing in their community; 
‘‘(II) the origination of loans by 
the institution that result in the con-
struction, rehabilitation or preserva-
tion of affordable housing units; and 
‘‘(III) investments in, grants to, 
or loans to community development fi-
nancial institutions (as defined in sec-
tion 103 of the Community Develop-
ment Banking and Financial Institu-
tions Act of 1994 (12 U.S.C. 4702)), 
community development corporations 
(as defined in section 613 of the Com-
munity Economic Development Act of 
1981 (42 U.S.C. 9802)), and other 
nonprofit organizations serving the 
housing and development needs of the 
community. 
‘‘(iv) Retail lending assessment areas, 
as defined by the regulations in part 25 of 
title 12, Code of Federal Regulations, or 
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any successor regulation, shall be estab-
lished if not more than 90 percent of the 
retail loans of the U.S. nonbank originator 
are in facility-based assessment areas con-
taining offices or agents. The evaluations 
shall also examine lending outside of retail 
lending assessment areas and facility-based 
assessment areas. Evaluations of these 
loans shall be considered when assigning 
an institution level rating to the U.S. 
nonbank mortgage originator. 
‘‘(C) With respect to its evaluation of an 
application for a deposit facility by the U.S. 
nonbank mortgage originator— 
‘‘(i) consider the record described in 
subparagraph (A) the overall rating of the 
U.S. nonbank mortgage originator under 
this section, and any improvement plans 
submitted pursuant to this section; 
‘‘(ii) provide an opportunity for public 
comment for a period of not less than 60 
days; 
‘‘(iii) consider changes in the commu-
nity reinvestment performance of the U.S. 
nonbank mortgage originator since the 
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most recent rating under this section by 
the appropriate Federal financial super-
visory agency; and 
‘‘(iv) require— 
‘‘(I) a demonstration that grant-
ing the application for a deposit facil-
ity is in the public interest, which 
shall include a submission of a com-
munity benefits plan, which shall be 
commensurate with the ability of the 
institution to accomplish the plan, by 
the U.S. nonbank mortgage originator 
to the appropriate Federal financial 
supervisory agency; 
‘‘(II) that the U.S. nonbank 
mortgage originator consult with com-
munity-based organizations and other 
community stakeholders in developing 
the community benefits plan; and 
‘‘(III) a public hearing for any 
U.S. nonbank mortgage originator 
that has a received a ‘need-to-im-
prove’ or ‘low satisfactory’ grade in 
any individual assessment area during 
the most recent examination. 
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‘‘(2) PENALTIES AND FEES.—The appropriate 
Federal financial supervisory agency shall have the 
same authority to assess penalties and fees under 
subsection (a)(4) for U.S. nonbank mortgage origi-
nator as is the case for regulated financial institu-
tions described in subsection (a). 
‘‘(3) AUTHORITY TO ADJUST EXAMINATION AND 
SUPERVISORY FEES.— The appropriate Federal fi-
nancial supervisory agencies shall have the authority 
to adjust the dollar amount of examination and su-
pervisory fees, based in part, on the rating of insti-
tutions under this section. 
‘‘(c) REQUIREMENTS.— 
‘‘(1) IN GENERAL.—In connection with its ex-
amination of a regulated financial institution under 
subsection (a) or (b), the appropriate Federal finan-
cial supervisory agency shall— 
‘‘(A) consider public comments received by 
the appropriate Federal financial supervisory 
agency regarding the record of the institution in 
meeting the credit or other financial needs of 
its entire community, including low- and mod-
erate-income communities, and hold not less 
than 1 public hearing to receive comments for 
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large banks with assets of not less than 
$50,000,000,000; and 
‘‘(B) require— 
‘‘(i) an improvement plan for an insti-
tution that receives a rating of ‘low satis-
factory’ or lower on the written evaluation 
of the institution, or such a rating in any 
individual assessment area; and 
‘‘(ii) the improvement plan described 
in clause (i) to result in the reasonable 
likelihood that the institution will obtain a 
rating of at least ‘high satisfactory’ in 
meeting community credit or other finan-
cial needs in the relevant measure on the 
next examination. 
‘‘(2) IMPROVEMENT PLAN.— 
‘‘(A) IN GENERAL.—A regulated financial 
institution that is required to submit an im-
provement plan required under paragraph 
(1)(B) shall submit the plan in writing to the 
appropriate Federal financial supervisory agen-
cy not later than 90 days after receiving notice 
that the regulated financial institution is re-
quired to submit the plan. 
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‘‘(B) PUBLIC COMMENT.—Upon receipt of 
an improvement plan of a regulated financial 
institution required under paragraph (1)(B), 
the appropriate Federal financial supervisory 
agency shall— 
‘‘(i) make the plan available to the 
public for review and comment for a period 
of not less than 60 days; and 
‘‘(ii) require the regulated financial 
institution to revise, as appropriate, the 
improvement plan in response to the public 
comments received under the public review 
and comment period described in clause (i) 
and submit the plan to the appropriate 
Federal financial supervisory agency not 
later than 60 days after the end of that pe-
riod. 
‘‘(3) EXAMINATION
OF
CERTAIN
REGULATED 
FINANCIAL INSTITUTIONS.—In the case of a regu-
lated financial institution whose lending or other 
business is not clustered in geographical areas and 
is thinly dispersed across the country, the institution 
shall— 
‘‘(A) be evaluated under subsection (a) or 
(b), as applicable— 
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‘‘(i) by considering the effectiveness of 
the institution in serving customers or bor-
rowers, with a special emphasis on low- 
and moderate-income individuals and other 
underserved populations across the country 
regardless of where the individuals reside; 
and 
‘‘(ii) based on objective thresholds de-
veloped by the appropriate Federal finan-
cial supervisory agencies to clarify when 
lending or other business is dispersed 
across the country and not clustered in 
distinct geographical areas, which may in-
clude low levels of lending or other finan-
cial products across States or other areas; 
and 
‘‘(B) meet the needs of other distressed or 
underserved communities. 
‘‘(d) CONSIDERATION.—Remediation of consumers 
pursuant to an order by a court or administrative body 
or a settlement with a government agency or a private 
party may not be considered in an assessment conducted 
under subsection (a)(2) or (b)(2). 
‘‘(e) RULE OF CONSTRUCTION.—An evaluation of a 
bank holding company under this section shall incorporate 
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evaluations of subsidiary regulated financial institutions 
made by the appropriate Federal financial supervisory 
agency of each subsidiary, if applicable.’’; 
(C) in subsection (f), as so redesignated— 
(i) by striking paragraph (2); 
(ii) by redesignating paragraph (3) as 
paragraph (2); and 
(iii) in paragraph (2), as so redesig-
nated, by striking subparagraph (C); and 
(D) in subsection (g), as so redesignated, 
by striking ‘‘subsection (a)’’ and inserting ‘‘sub-
sections (a) and (b)’’; 
(3) in section 807 (12 U.S.C. 2906)— 
(A) in subsection (a)— 
(i) by striking ‘‘an insured depository 
institution’’ and inserting ‘‘a regulated fi-
nancial institution’’; and 
(ii) by inserting ‘‘or financial’’ after 
‘‘credit’’; 
(B) in subsection (b)— 
(i) in paragraph (1)— 
(I) in subparagraph (A)— 
(aa) in clause (ii), by strik-
ing ‘‘and’’ at the end; 
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(bb) by redesignating clause 
(iii) as clause (iv); and 
(cc) by inserting after clause 
(ii) the following: 
‘‘(iii) disclose whether the institution en-
gaged in acts or practices that the Bureau of 
Consumer Financial Protection has determined, 
and has publicly disclosed, violate the enumer-
ated consumer laws; and’’; and 
(II) by striking subparagraph (B) 
and inserting the following: 
‘‘(B) EVALUATION ON AN ASSESSMENT AREA 
BASIS.—The information required under subsections 
(a) and (b) of section 804 shall be presented sepa-
rately for each assessment area. 
‘‘(C) TREATMENT
WITH
RESPECT
TO
VIOLA-
TIONS
OF
ENUMERATED
CONSUMER
LAWS.—If a 
regulated financial institution has engaged in acts or 
practices that the appropriate Federal financial su-
pervisory agency has determined to be unfair, decep-
tive, or abusive or acts or practices that violate enu-
merated consumer laws intended to ensure the fair, 
equitable, and nondiscriminatory access to credit for 
individuals and communities that are enforced by 
the Bureau of Consumer Financial Protection or 
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other Federal or State agencies, the written evalua-
tion shall be negatively influenced in a manner com-
mensurate with the extent of the harm suffered by 
those individuals and communities.’’; 
(ii) in paragraph (2)— 
(I) by striking subparagraphs 
(A), (B), (C), and (D) and inserting 
the following: 
‘‘(A) ‘Outstanding record of meeting com-
munity credit or other financial needs’. 
‘‘(B) ‘High Satisfactory record of meeting 
community credit or other financial needs’. 
‘‘(C) ‘Low Satisfactory record of meeting 
community credit or other financial needs’. 
‘‘(D) ‘Needs to improve record of meeting 
community credit or other financial needs’. 
‘‘(E) ‘Substantial noncompliance in meet-
ing 
community 
credit 
or 
other 
financial 
needs’.’’; and 
(iii) by inserting after the flush text 
following paragraph (2) the following: 
‘‘(3) ADDITIONAL
AUTHORITY.—The appro-
priate Federal financial supervisory agencies may— 
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‘‘(A) alter the ratings under this sub-
section to change or include additional ratings 
for the overall ratings and subtest ratings; and 
‘‘(B) develop an accompanying point sys-
tem that includes ranges for each rating cat-
egory under paragraph (2).’’; 
(C) by redesignating subsection (e) as sub-
section (f); and 
(D) by inserting after subsection (d) the 
following: 
‘‘(e) APPEALS OF RATING.—If a regulated financial 
institution appeals the assigned rating under this section, 
the appropriate Federal financial supervisory agency 
shall— 
‘‘(1) post a public notice of the appeal on the 
part of the website of the appropriate Federal finan-
cial supervisory agency that contains information on 
this title; and 
‘‘(2) provide an opportunity for public comment 
on the appeal.’’; 
(4) in section 806 (12 U.S.C. 2905)— 
(A) by striking ‘‘Regulations’’ and insert-
ing the following: 
‘‘(a) IN GENERAL.—Regulations’’; 
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(B) in subsection (a), as so designated, by 
striking ‘‘companies,,’’ and inserting ‘‘compa-
nies,’’; and 
(C) by adding at the end the following: 
‘‘(b) PERIODIC REVIEW.—Not later than 5 years 
after the date of enactment of this subsection and every 
5 years thereafter, the appropriate Federal financial su-
pervisory agencies shall— 
‘‘(1) review the regulations promulgated to 
carry out this title; and 
‘‘(2) report to Congress any recommendations 
for updates to the regulations and this title, which 
may include consideration of— 
‘‘(A) data collection under this title; 
‘‘(B) the rigor of evaluations under this 
title; 
‘‘(C) the assessment area coverage of loans 
and deposits; and 
‘‘(D) the extent to which the provisions of 
this title are reducing disparities in access to 
credit and capital by income and race.’’; and 
(5) by adding at the end the following: 
‘‘SEC. 810. DATA COLLECTION AND REPORTING REQUIRE-
MENTS. 
‘‘(a) DATA COLLECTION.— 
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‘‘(1) CONSUMER LOANS.— 
‘‘(A) IN GENERAL.—Each regulated finan-
cial institution shall collect and maintain in ma-
chine readable form, as prescribed by the ap-
propriate Federal financial supervisory agency, 
data for consumer loans originated or pur-
chased by the regulated financial institution, in-
cluding motor vehicle loans, credit cards, lines 
of credit, and other secured or unsecured loans. 
The regulated financial institution shall main-
tain data separately for each category of con-
sumer loan, including the following for each 
loan: 
‘‘(i) A unique number or alpha-nu-
meric symbol that can be used to identify 
the relevant loan. 
‘‘(ii) The loan amount at origination 
or purchase. 
‘‘(iii) The loan location. 
‘‘(iv) The gross annual income of the 
borrower that the regulated financial insti-
tution considered in making its credit deci-
sion. 
‘‘(B) EXEMPTIONS.—The appropriate Fed-
eral financial supervisory agencies may exempt 
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classes of regulated financial institutions from 
the requirements under subparagraph (A) due 
to low levels of consumer lending or other fac-
tors. 
‘‘(2) COMMUNITY
DEVELOPMENT
LOANS
AND 
INVESTMENTS.— 
‘‘(A) COLLECTION AND MAINTENANCE OF 
DATA.—Each regulated financial institution 
shall collect and maintain in machine readable 
form, as prescribed by the appropriate Federal 
financial supervisory agency, data on the cat-
egories of community development lending and 
investments, including data regarding financing 
affordable housing, small business development, 
and economic development. 
‘‘(B) PUBLIC DISSEMINATION.—Each reg-
ulated financial institution and the appropriate 
Federal financial supervisory agencies shall— 
‘‘(i) publicly disseminate the data de-
scribed in subparagraph (A) on a county 
level and for categories of census tracts in-
cluding low- and moderate-income census 
tracts or other distressed and underserved 
census tracts; and 
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‘‘(ii) consider disseminating the data 
described in subparagraph (A) by indi-
vidual census tracts in addition to the cat-
egories described in clause (i). 
‘‘(3) ASSESSMENT AREA DATA.— 
‘‘(A) IN GENERAL.—Each regulated finan-
cial institution shall collect and report to the 
appropriate Federal financial supervisory agen-
cy by March 1 of each year a list for each as-
sessment area showing the geographies within 
the area. 
‘‘(B) 
PUBLICATION.—The 
appropriate 
Federal financial supervisory agencies shall 
make the list of assessment areas reported by 
each regulated financial institution under sub-
paragraph (A) publicly available on the part of 
the website of the appropriate Federal financial 
supervisory agency that contains information on 
this title. 
‘‘(4) DEPOSITS.—The appropriate Federal fi-
nancial supervisory agencies shall— 
‘‘(A) collect data from regulated financial 
institutions that reflects— 
‘‘(i) the number of customers of those 
institutions that reside in categories of 
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census tracts including low- and moderate- 
income census tracts or other distressed 
and underserved census tracts and the dol-
lar amount of deposits of those customers; 
and 
‘‘(ii) the number of small businesses 
that are located in the census tract cat-
egories described in clause (i); and 
‘‘(B) consider the dissemination of the de-
posit data collected under subparagraph (A) by 
individual census tracts in addition to the cat-
egories described in that subparagraph. 
‘‘(b) AGGREGATE DISCLOSURE STATEMENTS.— 
‘‘(1) IN GENERAL.—Each appropriate Federal 
financial supervisory agency shall prepare annually, 
for each assessment area, a disclosure statement of 
home, small business, small farm, and consumer 
lending for each regulated financial institution sub-
ject to reporting under this section and an aggre-
gated statement for all reporting institutions com-
bined, which shall indicate, for each assessment 
area, the number and amount of all small business, 
small farm, and consumer loans originated or pur-
chased sorted by income level of borrowers, race and 
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ethnicity of borrowers, revenue size of small business 
and farms, and categories of census tracts. 
‘‘(2) DEPOSITS
AND
COMMUNITY
DEVELOP-
MENT LOANS AND INVESTMENTS.—An appropriate 
Federal financial supervisory agency shall include 
data on deposits and community development loans 
and investments in the disclosure statements pre-
pared under paragraph (1). 
‘‘(3) ADJUSTED FORM.—An appropriate Fed-
eral financial supervisory agency may adjust the 
form of the disclosure statement prepared under 
paragraph (1) if necessary, because of special cir-
cumstances, to protect the privacy of a borrower or 
the competitive position of a regulated financial in-
stitution. 
‘‘(c) CENTRAL DATA DEPOSITORIES.—The Federal 
Financial Institutions Examination Council, in consulta-
tion with the appropriate Federal financial supervisory 
agencies, shall implement a system— 
‘‘(1) to allow the public to access online and in 
a searchable format the data maintained under 
paragraphs (1) through (4) of subsection (a); and 
‘‘(2) that ensures that personally identifiable fi-
nancial information is not disclosed to public. 
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‘‘(d) LIMITATION.—An appropriate Federal financial 
supervisory agency may not use the authorities of the ap-
propriate Federal financial supervisory agency under this 
section to obtain a record from a regulated financial insti-
tution for the purpose of gathering or analyzing the per-
sonally identifiable financial information of a consumer. 
‘‘SEC. 811. COMMUNITY ADVISORY COMMITTEES. 
‘‘(a) DEPOSITORY INSTITUTIONS.—Each regulated 
financial institution that is not a U.S. nonbank mortgage 
originator shall form a separate Community Advisory 
Committee (which shall be composed of a diverse set of 
consumer, housing, community development, and other 
stakeholder groups) in each of the following: 
‘‘(1) With respect to a depository institution 
with consolidated assets equal to or greater than 
$2,000,000,000 the branches of which are located in 
1 census region, each metropolitan statistical area 
where the financial institution or any subsidiaries of 
the financial institution have a branch or other facil-
ity (including an automated teller machine) and each 
metropolitan statistical area where the financial in-
stitution has a substantial number of customers who 
maintain deposit accounts with the financial institu-
tion. 
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‘‘(2) With respect to a depository institution 
with consolidated assets equal to or greater than 
$2,000,000,000 the branches of which are located in 
more than 1 census region, each census division 
within each of the regions. 
‘‘(3) With respect to a depository institution 
with 
consolidated 
assets 
of 
less 
than 
$2,000,000,000, each State where the financial in-
stitution or any subsidiaries of the financial institu-
tion are located. 
‘‘(b) U.S. NONBANK MORTGAGE ORIGINATORS.— 
Each U.S. nonbank mortgage originator shall form a sepa-
rate Community Advisory Committee (which shall be com-
posed of a diverse set of consumer, housing, community 
development, and other stakeholder groups) in each of the 
following: 
‘‘(1) With respect to a U.S. nonbank mortgage 
originator that is required to make a number of dis-
closures under the Home Mortgage Disclosure Act of 
1975 (12 U.S.C. 2801 et seq.) that is less than the 
national median, each State in which the U.S. 
nonbank mortgage originator offers loans. 
‘‘(2) With respect to a U.S. nonbank mortgage 
originator that is required to make a number of dis-
closures under the Home Mortgage Disclosure Act of 
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1975 (12 U.S.C. 2801 et seq.) that is more than the 
national median, each census division within the cen-
sus regions in which the U.S. nonbank mortgage 
originator offers loans. 
‘‘(c) BIANNUAL CONSULTATION.—The executives of 
each regulated financial institution shall meet not less fre-
quently than twice per year with the Community Advisory 
Committees of the regulated financial institution formed 
under subsection (a) or (b), as applicable— 
‘‘(1) to discuss the financial institution’s cur-
rent work to meet the credit and deposit needs of 
low- and moderate-income individuals and under-
served 
communities, 
persons 
with 
disabilities, 
LGBTQ+ communities, and Chinese, Asian Indian, 
Filipino, Japanese, Korean, Vietnamese, Pakistani, 
Cambodian, Hmong, Laotian, Thai, Taiwanese, Bur-
mese, Bangladeshi, Nepalese, Indonesian, Malaysian, 
Hispanic or Latino, Black or African American, 
American Indian and Alaska Native, Native Hawai-
ian, 
Samoan, 
Chamorro, 
Tongan, 
iTaukei, 
Marshallese, and Other Pacific Islander commu-
nities, as applicable to the geographic areas of the 
financial institution; 
‘‘(2) with respect to an institution described in 
subsection (a)(2) or a U.S. nonbank mortgage origi-
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nator described in subsection (b)(2), to assist the ex-
ecutives in developing and updating a plan for how 
the institution will work to meet the credit needs of 
the institution’s entire community, including low- 
and moderate-income neighborhoods; and 
‘‘(3) to discuss the institution’s data (which 
shall be disaggregated by Chinese, Asian Indian, Fil-
ipino, Japanese, Korean, Vietnamese, Pakistani, 
Cambodian, Hmong, Laotian, Thai, Taiwanese, Bur-
mese, Bangladeshi, Nepalese, Indonesian, Malaysian, 
Hispanic or Latino, Black or African American, 
American Indian and Alaska Native, and Native Ha-
waiian, 
Samoan, 
Chamorro, 
Tongan, 
iTaukei, 
Marshallese and Other Pacific Islander communities, 
as applicable to the institution’s geographic areas) 
on— 
‘‘(A) mortgage lending and lending to 
small businesses and small farms, as defined in 
section 804(a)(2)(C); 
‘‘(B) retail products and services; 
‘‘(C) community development services; and 
‘‘(D) community development financing. 
‘‘(d) SPECIFIC CONSULTATIONS.—In addition to the 
consultations required under paragraph (2), the executives 
of a depository institution described in subsection (a)(2) 
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117 
(3) in section 805 (42 U.S.C. 3605)— 
(A) by inserting ‘‘actual or perceived’’ be-
fore ‘‘race, color’’ each place that term appears; 
and 
(B) by striking ‘‘sex,’’ each place that term 
appears and inserting ‘‘sex (including sexual 
orientation and gender identity), marital status, 
source of income, veteran status,’’; 
(4) in section 806 (42 U.S.C. 3606)— 
(A) by inserting ‘‘actual or perceived’’ be-
fore ‘‘race, color’’; and 
(B) by striking ‘‘sex,’’ each place that term 
appears and inserting ‘‘sex (including sexual 
orientation and gender identity), marital status, 
source of income, veteran status,’’; and 
(5) in section 808(e)(6) (42 U.S.C. 3608(e)(6)), 
by striking ‘‘sex,’’ and inserting ‘‘sex (including sex-
ual orientation and gender identity), marital status, 
source of income, veteran status,’’. 
(c) PREVENTION OF INTIMIDATION.—Section 901 of 
the Civil Rights Act of 1968 (42 U.S.C. 3631) is amend-
ed— 
(1) by inserting ‘‘actual or perceived’’ before 
‘‘race, color’’ each place that term appears; and 
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