of potentially millions of homeowners, renters, indi-
viduals experiencing homelessness, and individuals at 
risk of homelessness, making it difficult for them to 
pay their mortgages or rents on time; 
(2) housing counseling is critical to ensuring 
that homeowners, renters, individuals experiencing 
homelessness, and individuals at risk of homeless-
ness have the resources they need to manage finan-
cial hardships from the COVID-19 crisis; 
(3) foreclosure mitigation services are also crit-
ical to address the needs of homeowners who lose 
employment and income because of the pandemic 
and who face serious delinquency or mortgage de-
fault, or are in foreclosing proceedings during this 
period; 
(4) evaluations from the National Foreclosure 
Mitigation Counseling program revealed that home-
owners at risk of or facing foreclosure are better 
served when they have access to a housing counselor 
and a range of tools and resources to help them 
avoid losing their home and have the support they 
need to tailor the best possible response to their sit-
uation. 
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SEC. 3. FUNDING FOR HOUSING COUNSELING SERVICES. 
(a) AUTHORIZATION OF APPROPRIATIONS.—There is 
authorized to be appropriated to the Neighborhood Rein-
vestment Corporation (in this section referred to as the 
‘‘Corporation’’) established under the Neighborhood Rein-
vestment Corporation Act (42 U.S.C. 8101 et seq.) 
$700,000,000 for fiscal year 2020 for assistance under 
section 106 of the Housing and Urban Development Act 
of 1968 (12 U.S.C. 1701x) for housing counseling serv-
ices, which shall remain available until September 30, 
2023. 
(b) PRIORITIZATION
OF
HOUSING
COUNSELING 
SERVICES.—Of any amounts made available pursuant to 
subsection (a), not less than 40 percent shall be provided 
to counseling organizations that target counseling services 
regarding loss mitigation to minority and low-income 
homeowners, renters, individuals experiencing homeless-
ness, and individuals at risk of homelessness or provide 
such services in neighborhoods with high concentrations 
of minority and low-income homeowners, renters, individ-
uals experiencing homelessness, and individuals at risk of 
homelessness. 
(c) ELIGIBLE USES.—Amounts made available pur-
suant to subsection (a) may be used in such amounts as 
the Corporation determines for costs of— 
(1) public education and outreach; 
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(2) direct services, including the full range of 
services provided by housing counselors to assist 
homeowners, renters, individuals experiencing home-
lessness, and individuals at risk of homelessness, in-
cluding the practices, tools, and innovations in fore-
closure mitigation that were utilized in the National 
Foreclosure Mitigation Counseling Program, and fi-
nancial capability, credit counseling, homeless coun-
seling, and rental counseling; 
(3) equipment and technology, including broad-
band internet and equipment upgrades needed to en-
sure timely and effective service delivery; and 
(4) training, including capacitating housing 
counseling staff in various modes of counseling, in-
cluding rental and foreclosure, delivery of remote 
counseling utilizing improved technology, enhanced 
network security, and supportive options for the de-
livery of client services; 
all of which may be billed as direct costs. 
(d) DISBURSEMENT.—The Corporation shall disburse 
all amounts made available pursuant to subsection (a) as 
expeditiously as possible, through grants to housing coun-
seling intermediaries approved by the Department of 
Housing and Urban Development, State housing finance 
agencies, and NeighborWorks organizations. The aggre-
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gate amount provided to NeighborWorks organizations 
shall not exceed 15 percent of the total amounts made 
available pursuant to subsection (a). 
Æ 
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