H. R. 4173—788 
the Secretary, a State housing finance authority, that the con-
sumer has received counseling on the advisability of the mort-
gage. Such counselor shall not be employed by the creditor 
or an affiliate of the creditor or be affiliated with the creditor. 
‘‘(2) DISCLOSURES
REQUIRED
PRIOR
TO
COUNSELING.—No 
counselor may certify that a consumer has received counseling 
on the advisability of the high-cost mortgage unless the coun-
selor can verify that the consumer has received each statement 
required (in connection with such loan) by this section or the 
Real Estate Settlement Procedures Act of 1974 with respect 
to the transaction. 
‘‘(3) REGULATIONS.—The Board may prescribe such regula-
tions as the Board determines to be appropriate to carry out 
the requirements of paragraph (1).’’. 
(f) CORRECTIONS AND UNINTENTIONAL VIOLATIONS.—Section 129 
of the Truth in Lending Act (15 U.S.C. 1639) is amended by 
inserting after subsection (u) (as added by subsection (e)) the fol-
lowing new subsection: 
‘‘(v) CORRECTIONS AND UNINTENTIONAL VIOLATIONS.—A creditor 
or assignee in a high-cost mortgage who, when acting in good 
faith, fails to comply with any requirement under this section 
will not be deemed to have violated such requirement if the creditor 
or assignee establishes that either— 
‘‘(1) within 30 days of the loan closing and prior to the 
institution of any action, the consumer is notified of or discovers 
the violation, appropriate restitution is made, and whatever 
adjustments are necessary are made to the loan to either, 
at the choice of the consumer— 
‘‘(A) make the loan satisfy the requirements of this 
chapter; or 
‘‘(B) in the case of a high-cost mortgage, change the 
terms of the loan in a manner beneficial to the consumer 
so that the loan will no longer be a high-cost mortgage; 
or 
‘‘(2) within 60 days of the creditor’s discovery or receipt 
of notification of an unintentional violation or bona fide error 
and prior to the institution of any action, the consumer is 
notified of the compliance failure, appropriate restitution is 
made, and whatever adjustments are necessary are made to 
the loan to either, at the choice of the consumer— 
‘‘(A) make the loan satisfy the requirements of this 
chapter; or 
‘‘(B) in the case of a high-cost mortgage, change the 
terms of the loan in a manner beneficial so that the loan 
will no longer be a high-cost mortgage.’’. 
Subtitle D—Office of Housing Counseling 
SEC. 1441. SHORT TITLE. 
This subtitle may be cited as the ‘‘Expand and Preserve Home 
Ownership Through Counseling Act’’. 
SEC. 1442. ESTABLISHMENT OF OFFICE OF HOUSING COUNSELING. 
Section 4 of the Department of Housing and Urban Develop-
ment Act (42 U.S.C. 3533) is amended by adding at the end the 
following new subsection:
H. R. 4173—789 
‘‘(g) OFFICE OF HOUSING COUNSELING.— 
‘‘(1) ESTABLISHMENT.—There is established, in the Depart-
ment, the Office of Housing Counseling. 
‘‘(2) DIRECTOR.—There is established the position of 
Director of Housing Counseling. The Director shall be the head 
of the Office of Housing Counseling and shall be appointed 
by, and shall report to, the Secretary. Such position shall be 
a career-reserved position in the Senior Executive Service. 
‘‘(3) FUNCTIONS.— 
‘‘(A) IN GENERAL.—The Director shall have primary 
responsibility within the Department for all activities and 
matters relating to homeownership counseling and rental 
housing counseling, including— 
‘‘(i) research, grant administration, public out-
reach, and policy development relating to such coun-
seling; and 
‘‘(ii) establishment, coordination, and administra-
tion of all regulations, requirements, standards, and 
performance measures under programs and laws 
administered by the Department that relate to housing 
counseling, 
homeownership 
counseling 
(including 
maintenance of homes), mortgage-related counseling 
(including home equity conversion mortgages and 
credit protection options to avoid foreclosure), and 
rental housing counseling, including the requirements, 
standards, and performance measures relating to 
housing counseling. 
‘‘(B) SPECIFIC FUNCTIONS.—The Director shall carry out 
the functions assigned to the Director and the Office under 
this section and any other provisions of law. Such functions 
shall include establishing rules necessary for— 
‘‘(i) the counseling procedures under section 
106(g)(1) of the Housing and Urban Development Act 
of 1968 (12 U.S.C. 1701x(h)(1)); 
‘‘(ii) carrying out all other functions of the Sec-
retary under section 106(g) of the Housing and Urban 
Development Act of 1968, including the establishment, 
operation, and publication of the availability of the 
toll-free telephone number under paragraph (2) of such 
section; 
‘‘(iii) contributing to the distribution of home 
buying information booklets pursuant to section 5 of 
the Real Estate Settlement Procedures Act of 1974 
(12 U.S.C. 2604); 
‘‘(iv) carrying out the certification program under 
section 106(e) of the Housing and Urban Development 
Act of 1968 (12 U.S.C. 1701x(e)); 
‘‘(v) carrying out the assistance program under 
section 106(a)(4) of the Housing and Urban Develop-
ment Act of 1968, including criteria for selection of 
applications to receive assistance; 
‘‘(vi) carrying out any functions regarding abusive, 
deceptive, or unscrupulous lending practices relating 
to residential mortgage loans that the Secretary con-
siders appropriate, which shall include conducting the 
study under section 6 of the Expand and Preserve 
Home Ownership Through Counseling Act;
H. R. 4173—790 
‘‘(vii) providing for operation of the advisory com-
mittee established under paragraph (4) of this sub-
section; 
‘‘(viii) 
collaborating 
with 
community-based 
organizations with expertise in the field of housing 
counseling; and 
‘‘(ix) providing for the building of capacity to pro-
vide housing counseling services in areas that lack 
sufficient services, including underdeveloped areas that 
lack basic water and sewer systems, electricity services, 
and safe, sanitary housing. 
‘‘(4) ADVISORY COMMITTEE.— 
‘‘(A) IN
GENERAL.—The Secretary shall appoint an 
advisory committee to provide advice regarding the car-
rying out of the functions of the Director. 
‘‘(B) MEMBERS.—Such advisory committee shall consist 
of not more than 12 individuals, and the membership of 
the committee shall equally represent the mortgage and 
real estate industry, including consumers and housing 
counseling agencies certified by the Secretary. 
‘‘(C) TERMS.—Except as provided in subparagraph (D), 
each member of the advisory committee shall be appointed 
for a term of 3 years. Members may be reappointed at 
the discretion of the Secretary. 
‘‘(D) TERMS OF INITIAL APPOINTEES.—As designated by 
the Secretary at the time of appointment, of the members 
first appointed to the advisory committee, 4 shall be 
appointed for a term of 1 year and 4 shall be appointed 
for a term of 2 years. 
‘‘(E) PROHIBITION OF PAY; TRAVEL EXPENSES.—Members 
of the advisory committee shall serve without pay, but 
shall receive travel expenses, including per diem in lieu 
of subsistence, in accordance with applicable provisions 
under subchapter I of chapter 57 of title 5, United States 
Code. 
‘‘(F) ADVISORY ROLE ONLY.—The advisory committee 
shall have no role in reviewing or awarding housing coun-
seling grants. 
‘‘(5) SCOPE OF HOMEOWNERSHIP COUNSELING.—In carrying 
out the responsibilities of the Director, the Director shall ensure 
that homeownership counseling provided by, in connection with, 
or pursuant to any function, activity, or program of the Depart-
ment addresses the entire process of homeownership, including 
the decision to purchase a home, the selection and purchase 
of a home, issues arising during or affecting the period of 
ownership of a home (including refinancing, default and fore-
closure, and other financial decisions), and the sale or other 
disposition of a home.’’. 
SEC. 1443. COUNSELING PROCEDURES. 
(a) IN GENERAL.—Section 106 of the Housing and Urban 
Development Act of 1968 (12 U.S.C. 1701x) is amended by adding 
at the end the following new subsection: 
‘‘(g) PROCEDURES AND ACTIVITIES.— 
‘‘(1) COUNSELING PROCEDURES.—
H. R. 4173—791 
‘‘(A) IN
GENERAL.—The Secretary shall establish, 
coordinate, and monitor the administration by the Depart-
ment of Housing and Urban Development of the counseling 
procedures for homeownership counseling and rental 
housing counseling provided in connection with any pro-
gram of the Department, including all requirements, stand-
ards, and performance measures that relate to homeowner-
ship and rental housing counseling. 
‘‘(B) HOMEOWNERSHIP COUNSELING.—For purposes of 
this subsection and as used in the provisions referred to 
in this subparagraph, the term ‘homeownership counseling’ 
means counseling related to homeownership and residential 
mortgage loans. Such term includes counseling related to 
homeownership and residential mortgage loans that is pro-
vided pursuant to— 
‘‘(i) section 105(a)(20) of the Housing and Commu-
nity Development Act of 1974 (42 U.S.C. 5305(a)(20)); 
‘‘(ii) in the United States Housing Act of 1937— 
‘‘(I) section 9(e) (42 U.S.C. 1437g(e)); 
‘‘(II) 
section 
8(y)(1)(D) 
(42 
U.S.C. 
1437f(y)(1)(D)); 
‘‘(III) 
section 
18(a)(4)(D) 
(42 
U.S.C. 
1437p(a)(4)(D)); 
‘‘(IV) section 23(c)(4) (42 U.S.C. 1437u(c)(4)); 
‘‘(V) section 32(e)(4) (42 U.S.C. 1437z–4(e)(4)); 
‘‘(VI) section 33(d)(2)(B) (42 U.S.C. 1437z– 
5(d)(2)(B)); 
‘‘(VII) sections 302(b)(6) and 303(b)(7) (42 
U.S.C. 1437aaa–1(b)(6), 1437aaa–2(b)(7)); and 
‘‘(VIII) section 304(c)(4) (42 U.S.C. 1437aaa– 
3(c)(4)); 
‘‘(iii) section 302(a)(4) of the American Homeowner-
ship and Economic Opportunity Act of 2000 (42 U.S.C. 
1437f note); 
‘‘(iv) sections 233(b)(2) and 258(b) of the Cranston- 
Gonzalez National Affordable Housing Act (42 U.S.C. 
12773(b)(2), 12808(b)); 
‘‘(v) this section and section 101(e) of the Housing 
and Urban Development Act of 1968 (12 U.S.C. 1701x, 
1701w(e)); 
‘‘(vi) section 220(d)(2)(G) of the Low-Income 
Housing Preservation and Resident Homeownership 
Act of 1990 (12 U.S.C. 4110(d)(2)(G)); 
‘‘(vii) 
sections 
422(b)(6), 
423(b)(7), 
424(c)(4), 
442(b)(6), and 443(b)(6) of the Cranston-Gonzalez 
National 
Affordable 
Housing 
Act 
(42 
U.S.C. 
12872(b)(6), 12873(b)(7), 12874(c)(4), 12892(b)(6), and 
12893(b)(6)); 
‘‘(viii) section 491(b)(1)(F)(iii) of the McKinney- 
Vento 
Homeless 
Assistance 
Act 
(42 
U.S.C. 
11408(b)(1)(F)(iii)); 
‘‘(ix) sections 202(3) and 810(b)(2)(A) of the Native 
American Housing and Self-Determination Act of 1996 
(25 U.S.C. 4132(3), 4229(b)(2)(A)); 
‘‘(x) in the National Housing Act— 
‘‘(I) in section 203 (12 U.S.C. 1709), the penul-
timate undesignated paragraph of paragraph (2)
H. R. 4173—792 
of subsection (b), subsection (c)(2)(A), and sub-
section (r)(4); 
‘‘(II) subsections (a) and (c)(3) of section 237 
(12 U.S.C. 1715z–2); and 
‘‘(III) subsections (d)(2)(B) and (m)(1) of section 
255 (12 U.S.C. 1715z–20); 
‘‘(xi) section 502(h)(4)(B) of the Housing Act of 
1949 (42 U.S.C. 1472(h)(4)(B)); 
‘‘(xii) section 508 of the Housing and Urban 
Development Act of 1970 (12 U.S.C. 1701z–7); and 
‘‘(xiii) section 106 of the Energy Policy Act of 1992 
(42 U.S.C. 12712 note). 
‘‘(C) RENTAL HOUSING COUNSELING.—For purposes of 
this subsection, the term ‘rental housing counseling’ means 
counseling related to rental of residential property, which 
may include counseling regarding future homeownership 
opportunities and providing referrals for renters and 
prospective renters to entities providing counseling and 
shall include counseling related to such topics that is pro-
vided pursuant to— 
‘‘(i) section 105(a)(20) of the Housing and Commu-
nity Development Act of 1974 (42 U.S.C. 5305(a)(20)); 
‘‘(ii) in the United States Housing Act of 1937— 
‘‘(I) section 9(e) (42 U.S.C. 1437g(e)); 
‘‘(II) 
section 
18(a)(4)(D) 
(42 
U.S.C. 
1437p(a)(4)(D)); 
‘‘(III) section 23(c)(4) (42 U.S.C. 1437u(c)(4)); 
‘‘(IV) section 32(e)(4) (42 U.S.C. 1437z–4(e)(4)); 
‘‘(V) section 33(d)(2)(B) (42 U.S.C. 1437z– 
5(d)(2)(B)); and 
‘‘(VI) section 302(b)(6) (42 U.S.C. 1437aaa– 
1(b)(6)); 
‘‘(iii) section 233(b)(2) of the Cranston-Gonzalez 
National 
Affordable 
Housing 
Act 
(42 
U.S.C. 
12773(b)(2)); 
‘‘(iv) section 106 of the Housing and Urban 
Development Act of 1968 (12 U.S.C. 1701x); 
‘‘(v) section 422(b)(6) of the Cranston-Gonzalez 
National 
Affordable 
Housing 
Act 
(42 
U.S.C. 
12872(b)(6)); 
‘‘(vi) section 491(b)(1)(F)(iii) of the McKinney-Vento 
Homeless Assistance Act (42 U.S.C. 11408(b)(1)(F)(iii)); 
‘‘(vii) sections 202(3) and 810(b)(2)(A) of the Native 
American Housing and Self-Determination Act of 1996 
(25 U.S.C. 4132(3), 4229(b)(2)(A)); and 
‘‘(viii) the rental assistance program under section 
8 of the United States Housing Act of 1937 (42 U.S.C. 
1437f). 
‘‘(2) STANDARDS FOR MATERIALS.—The Secretary, in con-
sultation with the advisory committee established under sub-
section (g)(4) of the Department of Housing and Urban Develop-
ment Act, shall establish standards for materials and forms 
to be used, as appropriate, by organizations providing homeown-
ership counseling services, including any recipients of assist-
ance pursuant to subsection (a)(4). 
‘‘(3) MORTGAGE SOFTWARE SYSTEMS.—
H. R. 4173—793 
‘‘(A) CERTIFICATION.—The Secretary shall provide for 
the certification of various computer software programs 
for consumers to use in evaluating different residential 
mortgage loan proposals. The Secretary shall require, for 
such certification, that the mortgage software systems take 
into account— 
‘‘(i) the consumer’s financial situation and the cost 
of maintaining a home, including insurance, taxes, and 
utilities; 
‘‘(ii) the amount of time the consumer expects to 
remain in the home or expected time to maturity of 
the loan; and 
‘‘(iii) such other factors as the Secretary considers 
appropriate to assist the consumer in evaluating 
whether to pay points, to lock in an interest rate, 
to select an adjustable or fixed rate loan, to select 
a conventional or government-insured or guaranteed 
loan and to make other choices during the loan applica-
tion process. 
If the Secretary determines that available existing software 
is inadequate to assist consumers during the residential 
mortgage loan application process, the Secretary shall 
arrange for the development by private sector software 
companies of new mortgage software systems that meet 
the Secretary’s specifications. 
‘‘(B) USE
AND
INITIAL
AVAILABILITY.—Such certified 
computer software programs shall be used to supplement, 
not replace, housing counseling. The Secretary shall provide 
that such programs are initially used only in connection 
with the assistance of housing counselors certified pursuant 
to subsection (e). 
‘‘(C) AVAILABILITY.—After a period of initial availability 
under subparagraph (B) as the Secretary considers appro-
priate, the Secretary shall take reasonable steps to make 
mortgage software systems certified pursuant to this para-
graph widely available through the Internet and at public 
locations, including public libraries, senior-citizen centers, 
public housing sites, offices of public housing agencies that 
administer rental housing assistance vouchers, and housing 
counseling centers. 
‘‘(D) BUDGET COMPLIANCE.—This paragraph shall be 
effective only to the extent that amounts to carry out 
this paragraph are made available in advance in appropria-
tions Acts. 
‘‘(4) NATIONAL PUBLIC SERVICE MULTIMEDIA CAMPAIGNS TO 
PROMOTE HOUSING COUNSELING.— 
‘‘(A) IN GENERAL.—The Director of Housing Counseling 
shall develop, implement, and conduct national public 
service multimedia campaigns designed to make persons 
facing 
mortgage 
foreclosure, 
persons 
considering 
a 
subprime mortgage loan to purchase a home, elderly per-
sons, persons who face language barriers, low-income per-
sons, minorities, and other potentially vulnerable con-
sumers aware that it is advisable, before seeking or 
maintaining a residential mortgage loan, to obtain home-
ownership counseling from an unbiased and reliable
H. R. 4173—794 
sources and that such homeownership counseling is avail-
able, including through programs sponsored by the Sec-
retary of Housing and Urban Development. 
‘‘(B) CONTACT
INFORMATION.—Each segment of the 
multimedia campaign under subparagraph (A) shall pub-
licize the toll-free telephone number and website of the 
Department of Housing and Urban Development through 
which persons seeking housing counseling can locate a 
housing counseling agency in their State that is certified 
by the Secretary of Housing and Urban Development and 
can provide advice on buying a home, renting, defaults, 
foreclosures, credit issues, and reverse mortgages. 
‘‘(C) AUTHORIZATION
OF
APPROPRIATIONS.—There are 
authorized to be appropriated to the Secretary, not to 
exceed $3,000,000 for fiscal years 2009, 2010, and 2011, 
for the development, implementation, and conduct of 
national public service multimedia campaigns under this 
paragraph. 
‘‘(D) FORECLOSURE RESCUE EDUCATION PROGRAMS.— 
‘‘(i) IN GENERAL.—Ten percent of any funds appro-
priated pursuant to the authorization under subpara-
graph (C) shall be used by the Director of Housing 
Counseling to conduct an education program in areas 
that have a high density of foreclosure. Such program 
shall involve direct mailings to persons living in such 
areas describing— 
‘‘(I) tips on avoiding foreclosure rescue scams; 
‘‘(II) tips on avoiding predatory lending mort-
gage agreements; 
‘‘(III) tips on avoiding for-profit foreclosure 
counseling services; and 
‘‘(IV) local counseling resources that are 
approved by the Department of Housing and 
Urban Development. 
‘‘(ii) PROGRAM EMPHASIS.—In conducting the edu-
cation program described under clause (i), the Director 
of Housing Counseling shall also place an emphasis 
on serving communities that have a high percentage 
of retirement communities or a high percentage of 
low-income minority communities. 
‘‘(iii) TERMS
DEFINED.—For purposes of this 
subparagraph: 
‘‘(I) HIGH DENSITY OF FORECLOSURES.—An area 
has a ‘high density of foreclosures’ if such area 
is one of the metropolitan statistical areas (as that 
term is defined by the Director of the Office of 
Management and Budget) with the highest home 
foreclosure rates. 
‘‘(II) 
HIGH
PERCENTAGE
OF
RETIREMENT 
COMMUNITIES.—An area has a ‘high percentage of 
retirement communities’ if such area is one of the 
metropolitan statistical areas (as that term is 
defined by the Director of the Office of Manage-
ment and Budget) with the highest percentage 
of residents aged 65 or older. 
‘‘(III) HIGH
PERCENTAGE
OF
LOW-INCOME 
MINORITY
COMMUNITIES.—An area has a ‘high
H. R. 4173—795 
percentage of low-income minority communities’ 
if such area contains a higher-than-normal 
percentage of residents who are both minorities 
and low-income, as defined by the Director of 
Housing Counseling. 
‘‘(5) EDUCATION PROGRAMS.—The Secretary shall provide 
advice and technical assistance to States, units of general local 
government, 
and 
nonprofit 
organizations 
regarding 
the 
establishment and operation of, including assistance with the 
development of content and materials for, educational programs 
to inform and educate consumers, particularly those most 
vulnerable with respect to residential mortgage loans (such 
as elderly persons, persons facing language barriers, low-income 
persons, minorities, and other potentially vulnerable con-
sumers), regarding home mortgages, mortgage refinancing, 
home equity loans, home repair loans, and where appropriate 
by region, any requirements and costs associated with obtaining 
flood or other disaster-specific insurance coverage.’’. 
(b) CONFORMING AMENDMENTS TO GRANT PROGRAM FOR HOME-
OWNERSHIP COUNSELING ORGANIZATIONS.—Section 106(c)(5)(A)(ii) of 
the Housing and Urban Development Act of 1968 (12 U.S.C. 
1701x(c)(5)(A)(ii)) is amended— 
(1) in subclause (III), by striking ‘‘and’’ at the end; 
(2) in subclause (IV) by striking the period at the end 
and inserting ‘‘; and’’; and 
(3) by inserting after subclause (IV) the following new 
subclause: 
‘‘(V) notify the housing or mortgage applicant 
of the availability of mortgage software systems 
provided pursuant to subsection (g)(3).’’. 
SEC. 1444. GRANTS FOR HOUSING COUNSELING ASSISTANCE. 
Section 106(a) of the Housing and Urban Development Act 
of 1968 (12 U.S.C. 1701x(a)) is amended by adding at the end 
the following new paragraph: 
‘‘(4) HOMEOWNERSHIP AND RENTAL COUNSELING ASSISTANCE.— 
‘‘(A) IN
GENERAL.—The Secretary shall make financial 
assistance available under this paragraph to HUD-approved 
housing counseling agencies and State housing finance agen-
cies. 
‘‘(B) QUALIFIED ENTITIES.—The Secretary shall establish 
standards and guidelines for eligibility of organizations 
(including governmental and nonprofit organizations) to receive 
assistance under this paragraph, in accordance with subpara-
graph (D). 
‘‘(C) DISTRIBUTION.—Assistance made available under this 
paragraph shall be distributed in a manner that encourages 
efficient and successful counseling programs and that ensures 
adequate distribution of amounts for rural areas having 
traditionally low levels of access to such counseling services, 
including areas with insufficient access to the Internet. In 
distributing such assistance, the Secretary may give priority 
consideration to entities serving areas with the highest home 
foreclosure rates. 
‘‘(D) LIMITATION ON DISTRIBUTION OF ASSISTANCE.— 
‘‘(i) IN GENERAL.—None of the amounts made available 
under this paragraph shall be distributed to—
H. R. 4173—796 
‘‘(I) any organization which has been convicted 
for a violation under Federal law relating to an election 
for Federal office; or 
‘‘(II) any organization which employs applicable 
individuals. 
‘‘(ii) DEFINITION OF APPLICABLE INDIVIDUALS.—In this 
subparagraph, the term ‘applicable individual’ means an 
individual who— 
‘‘(I) is— 
‘‘(aa) employed by the organization in a perma-
nent or temporary capacity; 
‘‘(bb) contracted or retained by the organiza-
tion; or 
‘‘(cc) acting on behalf of, or with the express 
or apparent authority of, the organization; and 
‘‘(II) has been convicted for a violation under Fed-
eral law relating to an election for Federal office. 
‘‘(E) GRANTMAKING PROCESS.—In making assistance avail-
able under this paragraph, the Secretary shall consider appro-
priate ways of streamlining and improving the processes for 
grant application, review, approval, and award. 
‘‘(F) 
AUTHORIZATION
OF
APPROPRIATIONS.—There 
are 
authorized to be appropriated $45,000,000 for each of fiscal 
years 2009 through 2012 for— 
‘‘(i) the operations of the Office of Housing Counseling 
of the Department of Housing and Urban Development; 
‘‘(ii) the responsibilities of the Director of Housing 
Counseling under paragraphs (2) through (5) of subsection 
(g); and 
‘‘(iii) assistance pursuant to this paragraph for entities 
providing homeownership and rental counseling.’’. 
SEC. 1445. REQUIREMENTS TO USE HUD-CERTIFIED COUNSELORS 
UNDER HUD PROGRAMS. 
Section 106(e) of the Housing and Urban Development Act 
of 1968 (12 U.S.C. 1701x(e)) is amended— 
(1) by striking paragraph (1) and inserting the following 
new paragraph: 
‘‘(1) REQUIREMENT FOR ASSISTANCE.—An organization may 
not receive assistance for counseling activities under subsection 
(a)(1)(iii), (a)(2), (a)(4), (c), or (d) of this section, or under section 
101(e), unless the organization, or the individuals through 
which the organization provides such counseling, has been cer-
tified by the Secretary under this subsection as competent 
to provide such counseling.’’; 
(2) in paragraph (2)— 
(A) by inserting ‘‘and for certifying organizations’’ 
before the period at the end of the first sentence; and 
(B) in the second sentence by striking ‘‘for certification’’ 
and inserting ‘‘, for certification of an organization, that 
each individual through which the organization provides 
counseling shall demonstrate, and, for certification of an 
individual,’’; 
(3) in paragraph (3), by inserting ‘‘organizations and’’ before 
‘‘individuals’’; 
(4) by redesignating paragraph (3) as paragraph (5); and