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the Department of Health and Human Services under 
the authority of section 673(2) of the Community 
Services Block Grant Act (42 U.S.C. 9902(2)), appli-
cable to a family of the size involved; or (B) 30 per-
cent of the median family income for the area, as de-
termined by the Secretary, with adjustments for 
smaller and larger families, except that the Secretary 
may establish income ceilings higher or lower than 30 
percent of the median for the area on the basis of the 
Secretary’s findings that such variations are nec-
essary because of unusually high or low family in-
comes, and except that clause (A) of this sentence 
shall not apply in the case of public housing agencies 
located in Puerto Rico or any other territory or pos-
session of the United States.’’; 
(3) in paragraph (2) of section 3(b) by adding 
at the end the following new sentence: ‘‘The Secretary 
shall periodically, but not less than annually, deter-
mine or establish area median incomes and income 
ceilings and limits in accordance with this para-
graph’’; 
(4) in section 3(b)(5)(A)— 
(A) in clause (i) by striking ‘‘$400’’ and in-
serting in lieu thereof ‘‘$675’’; and 
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(B) in clause (ii), in the matter preceding 
subclause (I), by striking ‘‘3 percent’’ and insert-
ing in lieu thereof ‘‘10 percent’’; 
(5) in paragraph (1) of section 8(c)— 
(A) by inserting ‘‘(A)’’ after the paragraph 
designation; 
(B) by striking the fourth, fifth, seventh, 
eighth, ninth, and tenth sentences; and 
(C) by adding at the end the following: 
‘‘(B) Fair market rentals for an area shall 
be published not less than annually by the Sec-
retary on the Department’s Web site and in any 
other manner specified by the Secretary. The 
Secretary shall publish notice of the publication 
of such fair market rentals in the Federal Reg-
ister, and such fair market rentals shall become 
effective no earlier than 30 days after the date of 
such publication. The Secretary shall establish a 
procedure for public housing agencies and other 
interested parties to comment on such fair mar-
ket rentals and to request, within a time speci-
fied by the Secretary, reevaluation of the fair 
market rental in a jurisdiction. The Secretary 
shall publish for comment in the Federal Reg-
ister notices of proposed material changes in the 
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methodology for estimating fair market rentals 
and notices specifying the final decisions regard-
ing such proposed substantial methodological 
changes and responses to public comments.’’; 
(6) in subparagraph (B) of section 8(o)(1) by in-
serting before the period at the end the following: ‘‘, 
except that no public housing agency shall be required 
as a result of a reduction in the fair market rental 
to reduce the payment standard applied to a family 
continuing to reside in a unit for which the family 
was receiving assistance under this section at the time 
the fair market rental was reduced. The Secretary 
shall allow public housing agencies to request excep-
tion payment standards within fair market rental 
areas subject to criteria and procedures established by 
the Secretary’’; 
(7) in subparagraph (D) of section 8(o)(1) by in-
serting before the period at the end the following: ‘‘ex-
cept that a public housing agency may establish a 
payment standard of not more than 120 percent of 
the fair market rent, where necessary, as a reasonable 
accommodation for a person with a disability, with-
out approval of the Secretary. A public housing agen-
cy may seek approval of the Secretary to use a pay-
ment standard greater than 120 percent of the fair 
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market rent as a reasonable accommodation for a dis-
abled family or other family with a person with a 
disability. In connection with the use of any in-
creased payment standard established or approved 
pursuant to either of the preceding two sentences as 
a reasonable accommodation for a person with a dis-
ability, the Secretary may not establish additional re-
quirements regarding the amount of adjusted income 
paid by such person for rent’’; 
(8) in section 16(a)(2)(A) by striking ‘‘families 
whose incomes’’ and all that follows through ‘‘low 
family incomes’’ and inserting in lieu thereof ‘‘ex-
tremely low-income families’’; 
(9) in section 16(b)(1) by striking ‘‘families 
whose incomes’’ and all that follows through ‘‘low 
family incomes’’ and inserting in lieu thereof ‘‘ex-
tremely low-income families’’; and 
(10) in section 16(c)(3) by striking ‘‘families 
whose incomes’’ and all that follows through ‘‘low 
family incomes’’ and inserting in lieu thereof ‘‘ex-
tremely low-income families’’. 
SEC. 237. Section 579 of the Multifamily Assisted 
Housing Reform and Affordability Act of 1997 (42 U.S.C. 
1437f) is amended by striking ‘‘October 1, 2011’’ each place 
it appears and inserting in lieu thereof ‘‘October 1, 2015’’. 
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HOUSING LOAN LIMIT EXTENSIONS 
SEC. 238. (a) FEDERAL HOUSING ADMINISTRATION.— 
Notwithstanding any other provision of law, for mortgages 
for which a Federal Housing Administration case number 
has been assigned during the period beginning on the date 
of enactment of this Act and ending on December 31, 2013, 
the dollar amount limitation on the principal obligation 
for purposes of section 203 of the National Housing Act (12 
U.S.C. 1709) shall be considered to be, except for purposes 
of section 255(g) of such Act (12 U.S.C. 1715z–20(g)), the 
greater of— 
(1) the dollar amount limitation on the prin-
cipal obligation of a mortgage determined under sec-
tion 203(b)(2) of the National Housing Act (12 
U.S.C. 1709(b)(2)); or 
(2) the dollar amount limitation that was pre-
scribed for such size residence for such area for 2008 
pursuant to section 202 of the Economic Stimulus Act 
of 2008 (Public Law 110–185; 122 Stat. 620). 
(b) FANNIE MAE AND FREDDIE MAC LOAN LIMIT EX-
TENSION.— 
(1) IN
GENERAL.—Notwithstanding any other 
provision of law, for mortgage loans originated dur-
ing the period beginning on the date of enactment of 
this Act and ending on December 31, 2013, the limi-
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tation on the maximum original principal obligation 
of a mortgage that may be purchased by the Federal 
National Mortgage Association or the Federal Home 
Loan Mortgage Corporation shall be the greater of— 
(A) the limitation in effect at the time of 
the purchase of the mortgage loan, as determined 
pursuant to section 302(b)(2) of the Federal Na-
tional Mortgage Association Charter Act (12 
U.S.C. 1717(b)(2)) or section 305(a)(2) of the 
Federal Home Loan Mortgage Corporation Act 
(12 U.S.C. 1454(a)(2)), respectively; or 
(B) the limitation that was prescribed for 
loans originated during the period beginning on 
July 1, 2007 and ending on December 31, 2008, 
pursuant to section 201 of the Economic Stim-
ulus Act of 2008 (Public Law 110–185, 122 Stat. 
619). 
(2) PREMIUM LOAN FEE.— 
(A) IN
GENERAL.—Notwithstanding any 
other provision of law, the Federal Housing Fi-
nance Agency shall, by rule or order, impose a 
premium loan fee to be charged by the Federal 
National Mortgage Association and the Federal 
Home Loan Mortgage Corporation with respect 
to mortgage loans made eligible for purchase by 
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