H. R. 1105—459 
TITLE III 
RELATED AGENCIES 
ARCHITECTURAL AND TRANSPORTATION BARRIERS COMPLIANCE 
BOARD 
SALARIES AND EXPENSES 
For expenses necessary for the Architectural and Transpor-
tation Barriers Compliance Board, as authorized by section 502 
of the Rehabilitation Act of 1973, as amended, $6,550,000: Provided, 
That, notwithstanding any other provision of law, there may be 
credited to this appropriation funds received for publications and 
training expenses. 
FEDERAL MARITIME COMMISSION 
SALARIES AND EXPENSES 
For necessary expenses of the Federal Maritime Commission 
as authorized by section 201(d) of the Merchant Marine Act, 1936, 
as amended (46 U.S.C. App. 1111), including services as authorized 
by 5 U.S.C. 3109; hire of passenger motor vehicles as authorized 
by 31 U.S.C. 1343(b); and uniforms or allowances therefor, as 
authorized by 5 U.S.C. 5901–5902, $22,800,000: Provided, That 
not to exceed $2,000 shall be available for official reception and 
representation expenses. 
NATIONAL TRANSPORTATION SAFETY BOARD 
SALARIES AND EXPENSES 
For necessary expenses of the National Transportation Safety 
Board, including hire of passenger motor vehicles and aircraft; 
services as authorized by 5 U.S.C. 3109, but at rates for individuals 
not to exceed the per diem rate equivalent to the rate for a GS– 
15; uniforms, or allowances therefor, as authorized by law (5 U.S.C. 
5901–5902) $91,000,000, of which not to exceed $2,000 may be 
used for official reception and representation expenses. The amounts 
made available to the National Transportation Safety Board in 
this Act include amounts necessary to make lease payments due 
in fiscal year 2009 only, on an obligation incurred in fiscal year 
2001 for a capital lease. Of the funds provided, up to $100,000 
shall be provided through reimbursement to the Department of 
Transportation’s Office of Inspector General to audit the National 
Transportation Safety Board’s financial statements. 
(RESCISSION) 
Of the available unobligated balances made available under 
this heading in Public Law 106–246, $671,275 are rescinded. 
NEIGHBORHOOD REINVESTMENT CORPORATION 
PAYMENT TO THE NEIGHBORHOOD REINVESTMENT CORPORATION 
For payment to the Neighborhood Reinvestment Corporation 
for use in neighborhood reinvestment activities, as authorized by
H. R. 1105—460 
the Neighborhood Reinvestment Corporation Act (42 U.S.C. 8101– 
8107), $131,000,000, of which $5,000,000 shall be for a multi-family 
rental housing program: Provided, That of the amounts made avail-
able under this heading, $6,000,000 shall be made available to 
conduct a consumer mortgage public education campaign: Provided 
further, That funding amounts provided under the previous proviso 
shall be available for campaign development, production, and out-
reach activities. 
For an additional amount, $50,000,000 shall be made available 
until expended to the Neighborhood Reinvestment Corporation for 
mortgage foreclosure mitigation activities, under the following terms 
and conditions: 
(1) The Neighborhood Reinvestment Corporation (‘‘NRC’’), 
shall make grants to counseling intermediaries approved by 
the Department of Housing and Urban Development (HUD) 
(with match to be determined by the NRC based on affordability 
and the economic conditions of an area; a match also may 
be waived by the NRC based on the aforementioned conditions) 
to provide mortgage foreclosure mitigation assistance primarily 
to States and areas with high rates of defaults and foreclosures 
primarily in the subprime housing market to help eliminate 
the default and foreclosure of mortgages of owner-occupied 
single-family homes that are at risk of such foreclosure. Other 
than areas with high rates of defaults and foreclosures, grants 
may also be provided to approved counseling intermediaries 
based on a geographic analysis of the Nation by the NRC 
which determines where there is a prevalence of subprime 
mortgages that are risky and likely to fail, including any trends 
for mortgages that are likely to default and face foreclosure. 
A State Housing Finance Agency may also be eligible where 
the State Housing Finance Agency meets all the requirements 
under this paragraph. A HUD-approved counseling inter-
mediary shall meet certain mortgage foreclosure mitigation 
assistance counseling requirements, as determined by the NRC, 
and shall be approved by HUD or the NRC as meeting these 
requirements. 
(2) Mortgage foreclosure mitigation assistance shall only 
be made available to homeowners of owner-occupied homes 
with mortgages in default or in danger of default. These mort-
gages shall likely be subject to a foreclosure action and home-
owners will be provided such assistance that shall consist of 
activities that are likely to prevent foreclosures and result 
in the long-term affordability of the mortgage retained pursuant 
to such activity or another positive outcome for the homeowner. 
No funds made available under this paragraph may be provided 
directly to lenders or homeowners to discharge outstanding 
mortgage balances or for any other direct debt reduction pay-
ments. 
(3) The use of Mortgage Foreclosure Mitigation Assistance 
by approved counseling intermediaries and State Housing 
Finance Agencies shall involve a reasonable analysis of the 
borrower’s financial situation, an evaluation of the current 
value of the property that is subject to the mortgage, counseling 
regarding the assumption of the mortgage by another non- 
Federal party, counseling regarding the possible purchase of 
the mortgage by a non-Federal third party, counseling and
H. R. 1105—461 
advice of all likely restructuring and refinancing strategies 
or the approval of a work-out strategy by all interested parties. 
(4) NRC may provide up to 15 percent of the total funds 
under this paragraph to its own charter members with expertise 
in foreclosure prevention counseling, subject to a certification 
by the NRC that the procedures for selection do not consist 
of any procedures or activities that could be construed as an 
unacceptable conflict of interest or have the appearance of 
impropriety. 
(5) HUD-approved counseling entities and State Housing 
Finance Agencies receiving funds under this paragraph shall 
have demonstrated experience in successfully working with 
financial institutions as well as borrowers facing default, delin-
quency and foreclosure as well as documented counseling 
capacity, outreach capacity, past successful performance and 
positive outcomes with documented counseling plans (including 
post mortgage foreclosure mitigation counseling), loan workout 
agreements and loan modification agreements. NRC may use 
other criteria to demonstrate capacity in underserved areas. 
(6) Of the total amount made available under this para-
graph, up to $5,000,000 may be made available to build the 
mortgage foreclosure and default mitigation counseling capacity 
of counseling intermediaries through NRC training courses with 
HUD-approved counseling intermediaries and their partners, 
except that private financial institutions that participate in 
NRC training shall pay market rates for such training. 
(7) Of the total amount made available under this para-
graph, up to 4 percent may be used for associated administra-
tive expenses for the NRC to carry out activities provided 
under this section. 
(8) Mortgage foreclosure mitigation assistance grants may 
include a budget for outreach and advertising, and training, 
as determined by the NRC. 
(9) The NRC shall report bi-annually to the House and 
Senate Committees on Appropriations as well as the Senate 
Banking Committee and House Financial Services Committee 
on its efforts to mitigate mortgage default. Such reports shall 
identify successful strategies and methods for preserving 
homeownership and the long-term affordability of at-risk mort-
gages and shall include recommended efforts that will or likely 
can assist in the success of this program as well as an analysis 
of any policy and procedures that failed to result in successful 
mortgage foreclosure mitigation. The report shall include an 
analysis of the details and use of any post mitigation counseling 
of assisted borrowers designed to ensure the continued long- 
term affordability of the mortgages which were the subject 
of the mortgage foreclosure mitigation assistance. 
UNITED STATES INTERAGENCY COUNCIL ON HOMELESSNESS 
OPERATING EXPENSES 
For necessary expenses (including payment of salaries, author-
ized travel, hire of passenger motor vehicles, the rental of conference 
rooms, and the employment of experts and consultants under section 
3109 of title 5, United States Code) of the United States Interagency 
Council on Homelessness in carrying out the functions pursuant 
to title II of the McKinney-Vento Homeless Assistance Act, as