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credit relating to plans described in section 101(53D) 
of title 11, United States Code.’’. 
(b) CIVIL LIABILITY.—Section 130(a) of the Truth in 
Lending Act (15 U.S.C. 1640(a)) is amended— 
(1) in paragraph (2)(A)(iii), by striking ‘‘not 
less than $200 or greater than $2,000’’ and inserting 
‘‘not less than $400 or greater than $4,000’’; and 
(2) in the penultimate sentence of the undesig-
nated matter following paragraph (4)— 
(A) 
by 
inserting 
‘‘or 
section 
128(b)(2)(C)(ii),’’ after ‘‘128(a),’’; and 
(B) 
by 
inserting 
‘‘or 
section 
128(b)(2)(C)(ii)’’ before the period. 
(c) EFFECTIVE DATES.— 
(1) GENERAL
DISCLOSURES.—Except as pro-
vided in paragraph (2), the amendments made by 
subsection (a) shall become effective 12 months after 
the date of enactment of this Act. 
(2) VARIABLE INTEREST RATES.—Subparagraph 
(C) of section 128(b)(2) of the Truth in Lending Act 
(15 U.S.C. 1638(b)(2)(C)), as added by subsection (a) 
of this section, shall become effective on the earlier 
of— 
(A) the compliance date established by the 
Board for such purpose, by regulation; or
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(B) 30 months after the date of enactment 
of this Act. 
SEC. 2503. COMMUNITY DEVELOPMENT INVESTMENT AU-
THORITY FOR DEPOSITORY INSTITUTIONS. 
(a) NATIONAL BANKS.—The first sentence of the para-
graph designated as the ‘‘Eleventh’’ of section 5136 of the 
Revised Statutes of the United States (12 U.S.C. 24) is 
amended by striking ‘‘promotes the public welfare by bene-
fitting primarily’’ and inserting ‘‘is designed primarily to 
promote the public welfare, including the welfare of’’. 
(b) STATE MEMBER BANKS.—The first sentence of the 
23rd paragraph of section 9 of the Federal Reserve Act (12 
U.S.C. 338a) is amended by striking ‘‘promotes the public 
welfare by benefitting primarily’’ and inserting ‘‘is de-
signed primarily to promote the public welfare, including 
the welfare of’’. 
TITLE VI—VETERANS HOUSING 
MATTERS 
SEC. 2601. HOME IMPROVEMENTS AND STRUCTURAL AL-
TERATIONS FOR TOTALLY DISABLED MEM-
BERS OF THE ARMED FORCES BEFORE DIS-
CHARGE OR RELEASE FROM THE ARMED 
FORCES. 
Section 1717 of title 38, United States Code, is amend-
ed by adding at the end the following new subsection:
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‘‘(d)(1) In the case of a member of the Armed Forces 
who, as determined by the Secretary, has a disability per-
manent in nature incurred or aggravated in the line of duty 
in the active military, naval, or air service, the Secretary 
may furnish improvements and structural alterations for 
such member for such disability or as otherwise described 
in subsection (a)(2) while such member is hospitalized or 
receiving outpatient medical care, services, or treatment for 
such disability if the Secretary determines that such mem-
ber is likely to be discharged or released from the Armed 
Forces for such disability. 
‘‘(2) The furnishing of improvements and alterations 
under paragraph (1) in connection with the furnishing of 
medical services described in subparagraph (A) or (B) of 
subsection (a)(2) shall be subject to the limitation specified 
in the applicable subparagraph.’’. 
SEC. 2602. ELIGIBILITY FOR SPECIALLY ADAPTED HOUSING 
BENEFITS AND ASSISTANCE FOR MEMBERS 
OF THE ARMED FORCES WITH SERVICE-CON-
NECTED DISABILITIES AND INDIVIDUALS RE-
SIDING OUTSIDE THE UNITED STATES. 
(a) ELIGIBILITY.—Chapter 21 of title 38, United 
States Code, is amended by inserting after section 2101 the 
following new section:
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‘‘§ 2101A. Eligibility for benefits and assistance: mem-
bers of the Armed Forces with service-con-
nected disabilities; individuals residing 
outside the United States 
‘‘(a) MEMBERS WITH SERVICE-CONNECTED DISABIL-
ITIES.—(1) The Secretary may provide assistance under 
this chapter to a member of the Armed Forces serving on 
active duty who is suffering from a disability that meets 
applicable criteria for benefits under this chapter if the dis-
ability is incurred or aggravated in line of duty in the ac-
tive military, naval, or air service. Such assistance shall 
be provided to the same extent as assistance is provided 
under this chapter to veterans eligible for assistance under 
this chapter and subject to the same requirements as vet-
erans under this chapter. 
‘‘(2) For purposes of this chapter, any reference to a 
veteran or eligible individual shall be treated as a reference 
to a member of the Armed Forces described in subsection 
(a) who is similarly situated to the veteran or other eligible 
individual so referred to. 
‘‘(b) BENEFITS AND ASSISTANCE FOR INDIVIDUALS 
RESIDING OUTSIDE THE UNITED STATES.—(1) Subject to 
paragraph (2), the Secretary may, at the Secretary’s discre-
tion, provide benefits and assistance under this chapter 
(other than benefits under section 2106 of this title) to any
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individual otherwise eligible for such benefits and assistance 
who resides outside the United States. 
‘‘(2) The Secretary may provide benefits and assist-
ance to an individual under paragraph (1) only if— 
‘‘(A) the country or political subdivision in 
which the housing or residence involved is or will be 
located permits the individual to have or acquire a 
beneficial property interest (as determined by the Sec-
retary) in such housing or residence; and 
‘‘(B) the individual has or will acquire a bene-
ficial property interest (as so determined) in such 
housing or residence. 
‘‘(c) REGULATIONS.—Benefits and assistance under 
this chapter by reason of this section shall be provided in 
accordance with such regulations as the Secretary may pre-
scribe.’’. 
(b) CONFORMING AMENDMENTS.— 
(1) REPEAL OF SUPERSEDED AUTHORITY.—Sec-
tion 2101 of title 38, United States Code, is amend-
ed— 
(A) by striking subsection (c); and 
(B) by redesignating subsection (d) as sub-
section (c). 
(2) LIMITATIONS ON ASSISTANCE.—Section 2102 
of title 38, United States Code, is amended—
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(A) in subsection (a)— 
(i) by striking ‘‘veteran’’ each place it 
appears and inserting ‘‘individual’’; and 
(ii) in paragraph (3), by striking ‘‘vet-
eran’s’’ and inserting ‘‘individual’s’’; 
(B) in subsection (b)(1), by striking ‘‘a vet-
eran’’ and inserting ‘‘an individual’’; 
(C) in subsection (c)— 
(i) by striking ‘‘a veteran’’ and insert-
ing ‘‘an individual’’; and 
(ii) by striking ‘‘the veteran’’ each 
place it appears and inserting ‘‘the indi-
vidual’’; and 
(D) in subsection (d), by striking ‘‘a vet-
eran’’ each place it appears and inserting ‘‘an 
individual’’. 
(3) ASSISTANCE FOR INDIVIDUALS TEMPORARILY 
RESIDING IN HOUSING OF FAMILY MEMBER.—Section 
2102A of title 38, United States Code, is amended— 
(A) by striking ‘‘veteran’’ each place it ap-
pears (other than in subsection (b)) and insert-
ing ‘‘individual’’; 
(B) in subsection (a), by striking ‘‘vet-
eran’s’’ each place it appears and inserting ‘‘in-
dividual’s’’; and