(c) AMENDMENT TO THE BANK HOLDING COMPANY 
ACT OF 1956.—Section 4(k)(6) of the Bank Holding 
Company Act of 1956 (12 U.S.C. 1843(k)(6)) is amended 
to read as follows: 
‘‘(6) NOTICE AND OPPORTUNITY FOR COMMENT 
REQUIRED.— 
‘‘(A) IN GENERAL.—No financial holding 
company shall directly or indirectly acquire, and 
no company that becomes a financial holding 
company shall directly or indirectly acquire con-
trol of, any company in the United States, in-
cluding through merger, consolidation, or other 
type of business combination, that is engaged in 
activities permitted under this subsection or 
subsection (n) or (o), unless— 
‘‘(i) the holding company has provided 
notice to the Board, not later than 60 days 
prior to the proposed acquisition or prior 
to becoming a financial holding company, 
and during that time period, or such 
longer time period not exceeding an addi-
tional 60 days, as established by the 
Board; 
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‘‘(ii) the Board has provided public 
notice and opportunity for comment for 
not less than 60 days; and 
‘‘(iii) the Board has not issued a no-
tice disapproving the proposed acquisition 
or retention. 
‘‘(B) FACTORS FOR CONSIDERATION.—In 
reviewing any prior notice filed under this para-
graph, the Board shall— 
‘‘(i) consider the overall rating of the 
financial holding company under the Com-
munity Reinvestment Act of 1977 (12 
U.S.C. 2901 et seq.) and any improvement 
plans submitted pursuant to that Act; 
‘‘(ii) provide opportunity for public 
comment for a period of not less than 60 
days; 
‘‘(iii) consider changes in the commu-
nity reinvestment performance of the fi-
nancial holding company since the last rat-
ing under the Community Reinvestment 
Act of 1977 (12 U.S.C. 2901 et seq.) by 
the appropriate Federal financial super-
visory agency; and 
‘‘(iv) require— 
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‘‘(I) a demonstration that grant-
ing the application for a deposit facil-
ity is in the public interest, which 
shall include submission to the appro-
priate Federal financial supervisory 
agency of a community benefits plan; 
‘‘(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 
bank that has received a ‘need-to-im-
prove’ or ‘sufficient’ grade in any as-
sessment area during the last exam-
ination under the Community Rein-
vestment Act of 1977 (12 U.S.C. 
2901 et seq.).’’. 
(d) TECHNICAL AND CONFORMING AMENDMENT.— 
Section 10(c)(2)(H)(i) of the Home Owners’ Loan Act (12 
U.S.C. 1467a(c)(2)(H)(i)) is amended by striking ‘‘section 
804(c) of the Community Reinvestment Act of 1977 (12 
U.S.C. 2903(c))’’ and inserting ‘‘section 804(f) of the 
Community Reinvestment Act of 1977 (12 U.S.C. 
2903(f))’’. 
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TITLE III—REMOVING BARRIERS 
THAT ISOLATE COMMUNITIES 
SEC. 301. EXPANDING RIGHTS UNDER THE FAIR HOUSING 
ACT. 
(a) IN GENERAL.—The Fair Housing Act (42 U.S.C. 
3601 et seq.) is amended— 
(1) in section 802 (42 U.S.C. 3602), by adding 
at the end the following: 
‘‘(p) ‘Gender identity’ means the gender-related iden-
tity, appearance, or mannerisms or other gender-related 
characteristics of an individual, with or without regard to 
the individual’s designated sex at birth. 
‘‘(q) ‘Marital status’ has the meaning given the term 
in section 202.2 of title 12, Code of Federal Regulations, 
or any successor regulation. 
‘‘(r) ‘Sexual orientation’ means homosexuality, het-
erosexuality, or bisexuality. 
‘‘(s) ‘Source of income’ includes income for which 
there is a reasonable expectation that the income will con-
tinue from— 
‘‘(1) a profession, occupation or job; 
‘‘(2) any government or private assistance, 
grant, loan or rental assistance program, including 
low-income housing 
assistance 
certificates 
and 
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vouchers issued under the United States Housing 
Act of 1937 (42 U.S.C. 1437 et seq.); 
‘‘(3) a gift, an inheritance, a pension, an annu-
ity, alimony, child support, or other consideration or 
benefit; or 
‘‘(4) the sale or pledge of property or an inter-
est in property.’’; 
(2) in section 804 (42 U.S.C. 3604)— 
(A) by inserting ‘‘actual or perceived’’ be-
fore ‘‘race, color’’ each place that term appears; 
and 
(B) by inserting ‘‘sexual orientation, gen-
der identity, marital status, source of income,’’ 
after ‘‘sex,’’ each place that term appears; 
(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 inserting ‘‘sexual orientation, gen-
der identity, marital status, source of income,’’ 
after ‘‘sex,’’ each place that term appears; 
(4) in section 806 (42 U.S.C. 3606)— 
(A) by inserting ‘‘actual or perceived’’ be-
fore ‘‘race, color’’; and 
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(B) by inserting ‘‘sexual orientation, gen-
der identity, marital status, source of income,’’ 
after ‘‘sex,’’; and 
(5) in section 807 (42 U.S.C. 3607), by adding 
at the end the following: 
‘‘(c) Nothing in this title limits the ability of the 
owner of a dwelling owner to determine, in a commercially 
reasonable and non-discriminatory manner, the ability of 
a person to afford to purchase or rent the dwelling.’’. 
(b) 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 
(2) by inserting ‘‘sexual orientation (as defined 
in section 802), gender identity (as defined in sec-
tion 802), marital status (as defined in section 802), 
source of income (as defined in section 802),’’ after 
‘‘sex,’’ each place that term appears. 
SEC. 302. IMPROVING OUTCOMES IN HOUSING ASSISTANCE 
PROGRAMS. 
(a) INDIAN HOUSING ASSISTANCE.—Section 502 of 
the Native American Housing Assistance and Self-Deter-
mination Act of 1996 (25 U.S.C. 4181) is amended by 
adding at the end the following: 
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