HR 5072 RFS 
provision of law, continue or adjust the dollar amount limi-
tations in effect pursuant to this section for such des-
ignated county for such preceding year, as appropriate, 
consistent with the criteria under this section. 
SEC. 
22. 
IDENTIFICATION 
REQUIREMENTS 
FOR 
BOR-
ROWERS. 
Section 203 of the National Housing Act (12 U.S.C. 
1709), as amended by the preceding provisions of this Act, 
is further amended by adding at the end the following new 
subsection: 
‘‘(z) IDENTIFICATION REQUIREMENTS
FOR BOR-
ROWERS.—No mortgage on a 1- to 4-family dwelling may 
be insured under this title unless the mortgagor under 
such mortgage— 
‘‘(1) provides a valid Social Security Number; 
and 
‘‘(2) is (A) a United States citizen, (B) a lawful 
permanent resident alien, or (C) a non-permanent 
resident alien who legally resides in and is author-
ized to work in the United States. 
The Secretary shall establish policies under which mortga-
gees verify compliance with the requirements under this 
subsection.’’. 
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SEC. 23. REQUIRED CERTIFICATIONS. 
Section 203 of the National Housing Act (12 U.S.C. 
1709), as amended by the preceding provisions of this Act, 
is further amended by adding at the end the following new 
subsection: 
‘‘(z) REQUIRED CERTIFICATIONS.—Notwithstanding 
any other provision of law, the Secretary may not insure 
any mortgage secured by a one- to four-family dwelling 
unless the mortgagor under such mortgage certifies, under 
penalty of perjury, that the mortgagor has not been con-
victed of a sex offense against a minor (as such terms are 
defined in section 111 of the Sex Offender Registration 
and Notification Act (42 U.S.C. 16911)).’’. 
SEC. 24. PROHIBITION ON USE OF FUNDS FOR CERTAIN 
FEDERAL EMPLOYEES. 
None of the funds authorized under this Act or any 
amendment made by this Act may be used to pay the sal-
ary of any individual engaged in activities related to title 
II of the National Housing Act who has been officially 
disciplined for violations of subpart G of the Standards 
of Ethical Conduct for Employees of the Executive Branch 
for viewing, downloading, or exchanging pornography, in-
cluding child pornography, on a Federal Government com-
puter or while performing official Federal Government du-
ties. 
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SEC. 25. PROHIBITION OF MORTGAGE INSURANCE FOR 
BORROWERS WITH STRATEGIC DEFAULTS. 
Section 203 of the National Housing Act (12 U.S.C. 
1709), as amended by the preceding provisions of this Act, 
is further amended by adding at the end the following new 
subsection: 
‘‘(z) PROHIBITION OF MORTGAGE INSURANCE FOR 
BORROWERS WITH STRATEGIC DEFAULTS.— 
‘‘(1) PROHIBITION.—The Secretary may not 
newly insure any mortgage under this title that is 
secured by a 1- to 4-family dwelling unless the mort-
gagee has determined, in accordance with such 
standards and requirements established by the Sec-
retary, that the mortgagor under such mortgage has 
not previously engaged in any strategic default with 
respect to any residential mortgage loan. 
‘‘(2) STRATEGIC
DEFAULT.—For purposes of 
this subsection, the term ‘strategic default’ means, 
with respect to a residential mortgage loan, an in-
tentional default having such characteristics or 
under such circumstances as the Secretary shall, by 
regulation, provide.’’. 
SEC. 26. PROHIBITION ON TAXPAYER BAILOUT OF FHA 
PROGRAM. 
Section 205 of the National Housing Act (12 U.S.C. 
1711), as amended by the preceding provisions of this Act, 
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is further amended by adding at the end the following new 
subsection: 
‘‘(h) TAXPAYER PROTECTION.—The Secretary shall 
use all available actions and methods authorized under law 
to ensure compliance with subsection (f)(2) and to protect 
the taxpayers of the United States from financial responsi-
bility for any obligations of the Fund, including authority 
to increase insurance premiums charged under this title 
for mortgages that are obligations of the Fund, authority 
to establish more stringent underwriting standards for 
such mortgages, and authority to increase the amount of 
cash or its equivalent required to be paid on account of 
the property subject to such a mortgage.’’. 
Passed the House of Representatives June 10, 2010. 
Attest: 
LORRAINE C. MILLER, 
Clerk. 
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