I 
118TH CONGRESS 
1ST SESSION H. R. 5533 
To combat toxic indoor mold, and for other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
SEPTEMBER 18, 2023 
Mr. COURTNEY (for himself and Mrs. BEATTY) introduced the following bill; 
which was referred to the Committee on Financial Services, and in addi-
tion to the Committees on Energy and Commerce, and Ways and Means, 
for a period to be subsequently determined by the Speaker, in each case 
for consideration of such provisions as fall within the jurisdiction of the 
committee concerned 
A BILL 
To combat toxic indoor mold, and for other purposes. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE; TABLE OF CONTENTS. 
(a) SHORT TITLE.—This Act may be cited as the 
‘‘Healthy at Home Act of 2023’’. 
(b) TABLE OF CONTENTS.—The table of contents for 
this Act is as follows: 
Sec. 1. Short title; table of contents. 
Sec. 2. Definitions. 
Sec. 3. Interagency research on health impacts of indoor residential mold. 
Sec. 4. Health, safety, and habitability standards and model standards. 
Sec. 5. Mapping. 
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Sec. 6. Housing stock quality requirements. 
Sec. 7. Construction requirements for public housing and certain other -assisted 
construction. 
Sec. 8. Preservation grants for properties receiving section 8 project-based rent-
al assistance. 
Sec. 9. Public information and education campaign. 
Sec. 10. Empowering tenants. 
Sec. 11. Healthy Homes incentive for requiring indoor residential mold and 
other hazard disclosure. 
Sec. 12. Uniform physical inspection sampling. 
Sec. 13. Denial of depreciation deduction for properties with failed NSPIRE in-
spections. 
Sec. 14. Supporting landlords to receive timely voucher payments. 
Sec. 15. Project-based contract administrator reporting requirements. 
Sec. 16. Coordination Between USDA and HUD. 
Sec. 17. GAO study on health and safety concerns in federally-assisted housing. 
Sec. 18. Sense of Congress. 
Sec. 19. Administrative provisions. 
SEC. 2. DEFINITIONS. 
In this Act: 
(1) INDOOR
RESIDENTIAL
MOLD.—The term 
‘‘indoor residential mold’’ means any form of multi-
cellular fungi in indoor environments, including 
cladosporium, penicillium, alternaria, aspergillus, fu-
sarium, 
trichoderma, 
memnoniella, 
mucor, 
stachybotrys 
chartarum, 
streptomyces, 
and 
epicoccumoften found in water-damaged indoor envi-
ronments and building materials. 
(2) RESIDENTIAL
MOLD
INSPECTION.—The 
term ‘‘residential mold inspection’’ means an inspec-
tion, by a certified or licensed mold inspector or 
other indoor environmental professional, including 
through the Real Estate Assessment Center, of real 
property that is designed to discover— 
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(A) indoor mold growth in residential prop-
erties; 
(B) conditions that facilitate indoor resi-
dential mold growth; or 
(C) indicia of conditions that are likely to 
facilitate indoor residential mold growth. 
(3) TOXIGENIC
MOLD.—The term ‘‘toxigenic 
mold’’ means any indoor mold growth that may be 
capable of producing a toxin or toxic compound, in-
cluding mycotoxins and mVOCs, that can cause pul-
monary, respiratory, neurological, gastrointestinal, 
or dermatological illnesses, or other major adverse 
health impacts, as jointly determined by the Director 
of the National Institutes of Health, the Secretary 
of Housing and Urban Development, the Adminis-
trator of the Environmental Protection Agency, and 
the Director of the Centers for Disease Control and 
Prevention. 
SEC. 3. INTERAGENCY RESEARCH ON HEALTH IMPACTS OF 
INDOOR RESIDENTIAL MOLD. 
(a) RESEARCH.— 
(1) IN GENERAL.—As soon as practicable after 
the date of enactment of this Act, the Director of 
the National Institute of Environmental Health 
Sciences at the National Institutes of Health, in 
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conjunction with the Secretary of Housing and 
Urban Development, the Director of the Centers for 
Disease Control and Prevention, the Administrator 
of the Environmental Protection Agency, the Sec-
retary of Energy, the Secretary of Health and 
Human Services, the President of the National 
Academy of Sciences, and the Chair of the board of 
directors of the National Institute of Building 
Sciences shall jointly conduct a comprehensive study 
of the health effects of indoor residential mold 
growth, using the most up-to-date scientific peer-re-
viewed medical literature. 
(2) CONTENTS.—The study conducted under 
paragraph (1) shall ascertain, among other things— 
(A) detailed information about harmful or 
toxigenic mold, as well as any toxin or toxic 
compound such mold can produce; 
(B) the most accurate research-based 
methods of detecting harmful or toxigenic mold; 
(C) potential dangers of prolonged or 
chronic exposure to indoor residential mold 
growth; 
(D) the hazards involved with inadequate 
residential mold inspections and improper in-
door residential mold remediation; 
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(E) the estimated current public health 
burden of new or exacerbated physical illness 
resulting from exposure to indoor residential 
mold, including its disproportionate impact on 
vulnerable communities, including children and 
seniors; 
(F) improved understanding of the dif-
ferent health symptomology that can result 
from exposure to mold in indoor residential en-
vironments; 
(G) ongoing surveillance of the prevalence 
of idiopathic pulmonary hemorrhage (AIPH) in 
infants; and 
(H) longitudinal studies on the effects of 
indoor old exposure in early childhood on the 
development of asthma and other respiratory 
illnesses. 
(3) AVAILABILITY.—Not later than the expira-
tion of the 3-year period beginning on the date of 
the enactment of this Act, the results of the study 
conducted under paragraph (1) shall be submitted to 
Congress and the President and made available to 
the general public. 
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SEC. 4. HEALTH, SAFETY, AND HABITABILITY STANDARDS 
AND MODEL STANDARDS. 
(a) MODEL STANDARDS FOR PREVENTING, DETECT-
ING, AND REMEDIATING INDOOR RESIDENTIAL MOLD 
GROWTH.—Based on the results of the interagency health 
study conducted under section 3, the Administrator of the 
Environmental Protection Agency, in conjunction with the 
Secretary of Housing and Urban Development, the Direc-
tor of the Centers for Disease Control and Prevention, the 
Assistant Secretary of Labor for Occupational Safety and 
Health at the Occupational Safety and Health Adminis-
tration, the Secretary of Energy, the Executive Director 
of the National Institute of Building Sciences, and the 
President of the National Academy of Sciences shall, in 
accordance with section 12(d) of the National Technology 
Transfer and Advancement Act of 1995 (15 U.S.C. 272 
note; Public Law 104–113), jointly issue model health, 
safety, and habitability standards for preventing, detect-
ing, and remediating indoor residential mold growth, in-
cluding— 
(1) model indoor residential mold inspection 
standards; 
(2) model indoor residential mold remediation 
standards; 
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(3) standards for testing the toxicity of indoor 
residential mold and any toxin or toxic compound 
produced by indoor residential mold; 
(4) health and safety standards for the protec-
tion of indoor residential mold inspectors and re-
mediators; 
(5) standards for indoor residential mold test-
ing labs; 
(6) model ventilation standards for the design, 
installation, and maintenance of air ventilation or 
air-conditioning systems to prevent indoor residen-
tial mold growth or the creation of conditions that 
foster indoor mold growth in residential properties; 
and 
(7) model building code standards to control 
moisture and prevent mold growth in indoor residen-
tial environments. 
(b) CONSULTATION.—To the maximum extent pos-
sible, model standards issued under this section shall be 
developed in consideration of the needs and vulnerabilities 
of low-income populations and with the assistance of— 
(1) organizations that develop mold and water 
damage standards; 
(2) organizations involved in establishing na-
tional building construction standards; 
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(3) representatives of State or local authorities 
responsible for building inspections and issuance of 
certificates of occupancy; 
(4) organizations involved in improving indoor 
air quality; 
(5) public health advocates; and 
(6) health and medical professionals, including 
practitioners that care for children and other vulner-
able populations. 
(c) RESILIENCY.—Model standards issued under this 
section shall take into account geographic diversity, pro-
pensity for extreme weather or flooding, and other resil-
iency metrics. 
(d) DEADLINES.— 
(1) PUBLIC REVIEW AND COMMENT.—The offi-
cers identified in subsection (a) shall make draft 
standards issued under this section available for 
public review and comment at least 90 days prior to 
publication of the final standards or model stand-
ards pursuant to paragraph (2). 
(2) PUBLICATION.—Not later than 3 years 
after the results of the study conducted under sec-
tion 3 are submitted to Congress in accordance with 
such section, the officers identified in subsection (a) 
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shall issue, and make available to the public, final 
standards and model standards under this section. 
(e) REVIEW AND UPDATES.—The officers identified 
in subsection (a) shall— 
(1) review the model standards issued under 
this section at least once every 3 years based on lat-
est scientific advances and published studies relating 
to indoor residential mold growth; and 
(2) update such standards and model standards 
as necessary to adequately and effectively inform the 
public and protect human health, preserve and im-
prove the quality of federally-assisted housing, and 
reduce the displacement of tenants. 
(f) PHYSICAL CONDITION INSPECTIONS.—Not later 
than 3 years after the publication of standards and model 
standards under subsection (a), the Secretary of Housing 
and Urban Development shall revise the requirements for 
conducting uniform physical condition inspections under 
part 5 of title 24, Code of Federal Regulations, or any 
successor regulation, to incorporate the model standards 
issued under this section, as applicable. 
SEC. 5. MAPPING. 
(a) IN GENERAL.—Not later than one year after the 
date of the enactment of this Act, the Secretary of Hous-
ing and Urban Development shall, using the previous two 
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years of inspection data, establish a geographic informa-
tion system mapping tool that identifies areas which are 
impacted by a known presence of indoor residential mold. 
(b) REQUIRED INCLUSIONS.—The Secretary shall in-
clude, as part of the mapping tool— 
(1) inspection documentation; 
(2) management and occupancy reviews; 
(3) transfers of budget authority for contracts 
under section 8 of the United States Housing Act of 
1937 (42 U.S.C. 1437f); and 
(4) any additional information, as required by 
the Secretary. 
(c) UPDATES.—The Secretary shall update the map-
ping tool with the latest inspection data not less often than 
once per year. 
SEC. 6. HOUSING STOCK QUALITY REQUIREMENTS. 
Section 8 of the United States Housing Act of 1937 
(42 U.S.C. 1437f) is amended by inserting after sub-
section (v) the following new subsection: 
‘‘(w) STANDARDS FOR PHYSICAL CONDITION AND 
MANAGEMENT OF HOUSING RECEIVING ASSISTANCE PAY-
MENTS.— 
‘‘(1) STANDARDS.—Any entity receiving hous-
ing assistance payments under this section shall 
maintain decent, safe, and sanitary conditions, as 
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determined by the Secretary, and comply with any 
standards under applicable State or local laws, rules, 
ordinances, or regulations relating to the physical 
condition of any insured or non-insured property 
covered under a housing assistance payment con-
tract for project-based assistance. 
‘‘(2) REMEDIATION.—The Secretary shall take 
action under paragraph (3) when a multifamily 
housing project with a housing assistance payment 
contract under this section or a contract with the 
Department of Housing and Urban Development for 
similar project-based assistance— 
‘‘(A) receives a failing score on a physical 
inspection by the Department; or 
‘‘(B) fails to certify in writing to the Sec-
retary within 3 days that all severe health or 
safety deficiencies identified at the project by 
the inspector have been corrected. 
The requirements under this paragraph shall apply 
to insured and non-insured projects with assistance 
attached to the dwelling units under this section. 
‘‘(3) NOTICE OF DEFAULT.— 
‘‘(A) ISSUANCE.—Within 15 days of the 
issuance of the Real Estate Assessment Center 
inspection, the Secretary shall provide the 
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owner with a notice of default that shall include 
a specified timetable, determined by the Sec-
retary, for correcting all deficiencies. 
‘‘(B) COPIES.—The Secretary shall provide 
a copy of the notice of default to the tenants of 
the property, the local government for the juris-
diction within which the property is located, any 
mortgagees, and any contract administrator. 
‘‘(C) 
APPEAL; 
WITHDRAWAL.—If 
the 
owner appeals the notice of default and the ap-
peal results in a passing Uniform Physical Con-
dition Standards score for the property, the 
Secretary may withdraw the notice of default. 
‘‘(4) ENFORCEMENT.—If the owner fails to 
fully correct all deficiencies identified in the notice 
of default by the end of the time period for cor-
recting such deficiencies specified in the notice, the 
Secretary shall, in consultation with the tenant orga-
nization, one or more of the following actions, and 
provide additional notice of those actions to the 
owner and the parties specified in paragraph (3)(B) 
to improve property conditions and preserve housing 
assistance: 
‘‘(A) Take any regulatory or contractual 
remedies available as deemed necessary and ap-
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propriate by the Secretary to improve property 
conditions, protect tenants from displacement 
and harm, and preserve the housing assistance. 
‘‘(B) Require immediate replacement of 
the project management with a management 
agent approved by the Secretary. 
‘‘(C) Abate the section 8 contract, includ-
ing partial abatement, as determined by the 
Secretary, until all deficiencies have been cor-
rected. 
‘‘(D) Pursue transfer of the project to an 
owner approved by the Secretary, in consulta-
tion with the tenant organization, under estab-
lished procedures, who shall be obligated to 
promptly make all required repairs and to ac-
cept renewal of the assistance contract if such 
renewal is offered, in conjunction with the ap-
propriate public housing agency or other local 
entity. 
‘‘(E) Transfer the existing section 8 con-
tract to another project or projects and owner 
or owners who have demonstrated financial and 
organizational capacity to rehabilitate the 
project, in consultation with tenants and the 
appropriate public housing agency. 
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‘‘(F) Pursue exclusionary sanctions, in-
cluding suspensions or debarments from Fed-
eral programs. 
‘‘(G) Relocate tenants while providing the 
same level of housing assistance. 
‘‘(H) Seek judicial appointment of a re-
ceiver to manage the property and cure all 
project deficiencies or seek a judicial order of 
specific performance requiring the owner to 
cure all project deficiencies. 
‘‘(I) Cooperate with receivership efforts by 
State or local governments or lenders which aim 
to improve the property conditions and preserve 
the project-based housing assistance. 
‘‘(J) Work with the owner, lender, tenants, 
or other related party to stabilize the property 
in an attempt to preserve the property through 
compliance, transfer of ownership, or an infu-
sion of capital or other resources. 
‘‘(5) PROHIBITION ON RENT INCREASES.—Ef-
fective upon the expiration of the 12-month period 
beginning on the date of the enactment of this sub-
section, the Secretary shall prohibit any increases in 
rents for dwelling units in the property until the 
owner fully corrects all deficiencies identified in the 
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notice of default or demonstrates an ability to finan-
cially address conditions by— 
‘‘(A) providing a rehabilitation plan, devel-
oped in consultation with the tenants and ap-
proved by the Secretary; and 
‘‘(B) separately demonstrating a written 
and enforceable commitment by the tenants and 
the Secretary that any increases will address 
the conditions of the property. 
‘‘(6) INFEASIBLE PROPERTIES.—The Secretary 
shall take appropriate steps to ensure that project- 
based contracts for rental assistance remain in ef-
fect, subject to the exercise of contractual abatement 
remedies to assist relocation of tenants for major 
threats to health and safety, taken after written no-
tice to the affected tenants. To the extent the Sec-
retary determines, in consultation with the tenants 
and the local government, that a property is not fea-
sible for continued rental assistance payments under 
such section 8 or other programs, based on consider-
ation of— 
‘‘(A) the costs of rehabilitating and oper-
ating the property and all available Federal, 
State, and local resources, including rent ad-
justments under section 524 of the Multifamily 
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Assisted Housing Reform and Affordability Act 
of 1997 (42 U.S.C. 1437f note), and 
‘‘(B) environmental conditions that cannot 
be remedied in a cost-effective fashion, 
the Secretary may contract for project-based rental 
assistance payments with an owner or owners of 
other housing properties, and to the maximum ex-
tent practicable, ensure that the project-based rental 
assistance is available to tenants from the origi-
nating site. 
‘‘(7) REPORTING.— 
‘‘(A) IN
GENERAL.—The Secretary shall 
submit a report to the Committees on Financial 
Services of the House of Representatives and 
Banking, Housing, and Urban Affairs of the 
Senate semi-annually identifying all properties 
covered by this subsection that received a fail-
ing physical inspection score or have received 
an unsatisfactory management and occupancy 
review during the 36-month period ending upon 
submission of such report. Each such report 
shall include— 
‘‘(i) identification of the enforcement 
actions being taken to address such condi-
tions leading to such score at each such 
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property, including imposition of civil 
money penalties and termination of sub-
sidies, and identification of properties that 
have such conditions multiple times; 
‘‘(ii) identification of actions that the 
Department of Housing and Urban Devel-
opment is taking to protect tenants of such 
identified properties; and 
‘‘(iii) any recommendations for admin-
istrative or legislative actions to further 
improve the living conditions at such prop-
erties. 
‘‘(B) TIMING.—The first report required 
under subparagraph (A) shall be submitted not 
later than 30 days after the date of the enact-
ment of this subsection, and the second report 
shall be submitted within 180 days of the sub-
mission of the first report.’’. 
SEC. 7. CONSTRUCTION REQUIREMENTS FOR PUBLIC 
HOUSING AND CERTAIN OTHER FEDERALLY- 
ASSISTED CONSTRUCTION. 
(a) EFFECTIVE DATE; APPLICABILITY.—The Sec-
retary of Housing and Urban Development shall take such 
actions and impose such standards and conditions as may 
be necessary or appropriate to ensure that any public 
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housing constructed after the date of the issuance of the 
model construction standards and techniques established 
under subsection (b), is constructed in accordance with 
such model standards and techniques. 
(b) MODEL CONSTRUCTION STANDARDS.— 
(1) IN GENERAL.—The Secretary of Housing 
and Urban Development, jointly with the Executive 
Director of the National Institute of Building 
Sciences, and the President of the National Acad-
emy of Sciences, to the extent such Director and 
President agree to participate, shall develop model 
construction standards and techniques for pre-
venting and controlling indoor residential mold in 
new residential buildings. 
(2) CONTENTS.—The model standards and 
techniques shall provide for geographic differences in 
construction types and materials, geology, weather, 
and other variables that may affect indoor residen-
tial mold levels in new buildings. 
(3) CONSULTATION.—To the maximum extent 
possible, such standards and techniques shall be de-
veloped with— 
(A) the assistance of organizations involved 
in establishing national building construction 
standards and techniques; 
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(B) the assistance of organizations that de-
velop mold and water damage standards; 
(C) representatives of State or local au-
thorities responsible for building inspections 
and the issuance of certificates of occupancy; 
(D) public health advocates; and 
(E) housing advocates and organizations 
representing the interests of tenants. 
(4) PUBLICATION.—The Secretary shall make a 
draft of the document containing the model stand-
ards and techniques available for public review and 
comment. The Secretary shall make final model 
standards and techniques available to the public not 
later than one year after the date of the enactment 
of this Act. 
(5) APPLICABILITY
TO
NEW
CONSTRUCTION 
AND REHABILITATION.—Within 1 year of the publi-
cation of the final model standards and techniques 
required by paragraph (4), the Secretary of Housing 
and Urban Development, the Secretary of Health 
and Human Services, the Secretary of Energy, the 
Administrator of the Environmental Protection 
Agency, the Secretary of the Treasury, and the Sec-
retary of Defense shall each include such model 
standards and techniques as a requirement for resi-
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dential rehabilitation or new construction projects 
funded with Federal appropriations made available 
by such agencies. 
(6) APPLICABILITY
TO
RENTAL
ASSISTANCE 
DEMONSTRATION AND RAD SECTION 18 BLEND PRO-
GRAMS.—Within 1 year of the publication of the 
final model standards and techniques required by 
paragraph (4), the Secretary of Housing and Urban 
Development shall ensure that any rehabilitation or 
new construction through the Rental Assistance 
Demonstration program under the heading ‘‘Rental 
Assistance Demonstration’’ in title II of the Trans-
portation, Housing and Urban Development, and 
Related Agencies Appropriations Act, 2012 (division 
C of Public Law 112–55; 125 Stat. 673), or through 
any program blending such Rental Assistance Dem-
onstration and section 18 of the United States 
Housing Act of 1937 complies with such model 
standards and techniques. 
SEC. 8. PRESERVATION GRANTS FOR PROPERTIES RECEIV-
ING SECTION 8 PROJECT-BASED RENTAL AS-
SISTANCE. 
(a) AUTHORIZATION OF APPROPRIATIONS.—There is 
authorized to be appropriated for the Secretary of Hous-
ing and Urban Development to provide assistance to own-
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ers of properties receiving project-based subsidy contracts 
under section 8 of the United States Housing Act of 1937 
(42 U.S.C. 1437f) or to municipalities or other units of 
local government that may administer repairs to a prop-
erty receiving such project-based subsidy contracts, 
$250,000,000, which shall remain available until ex-
pended. 
(b) SET ASIDE FOR NEW CONSTRUCTION.— 
(1) SET ASIDE.—Of the total amount of funds 
provided pursuant to this section, not less than 10 
percent shall be available to eligible recipients de-
scribed in subsection (a) for the purpose of adding 
new dwelling units to properties already receiving 
project-based subsidy contracts under section 8 of 
the United States Housing Act of 1937. 
(2) ELIGIBILITY.—Funds made available under 
this subsection for new construction may only be 
used by an eligible recipients who are already receiv-
ing an award for rehabilitation under this section. 
(3) PRIORITY
OF
WORK.—Eligible recipients 
who receive funds for both new construction and for 
rehabilitation shall complete rehabilitation work be-
fore beginning new construction and shall provide 
certification to the Secretary, in a manner to be de-
termined by the Secretary, that the rehabilitation 
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has been completed in a satisfactory manner to 
eliminate health and safety risks before receiving 
any funds for new construction. 
(4) MODEL BUILDING STANDARDS.—Within one 
year after the publication of the model building 
standards under section 7(b)(4), the Secretary shall 
require eligible recipients who receive funds for new 
construction and rehabilitation to ensure that new 
construction and rehabilitation projects are in com-
pliance with the model building standards and tech-
niques developed under section 7(b)(1). 
(c) SET-ASIDE FOR TECHNICAL ASSISTANCE.—Of 
the total amount of funds provided pursuant to this sec-
tion, not less than 3 percent shall be used to provide tech-
nical assistance to applicants and to advertise the avail-
ability of funds under this section to areas disproportion-
ately impacted by health and safety concerns in federally- 
assisted housing. 
(d) USE OF AMOUNTS.— 
(1) IN GENERAL.—Amounts provided pursuant 
to this section shall be used for competitive grants 
and low-interest loans for capital improvements to 
such properties, including grants for activities that 
mitigate threats to the health and safety of resi-
dents, reduce lead-based paint hazards, reduce other 
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housing-related hazards, including carbon monoxide, 
radon, or indoor residential mold, improve water and 
energy efficiency, or reduce the risk of harm to occu-
pants or property from natural hazards, or for low- 
interest loans for the same use. 
(2) LOAN AND GRANT ELIGIBILITY.—An owner 
of such a property shall be eligible for— 
(A) a grant under this section only if such 
owner is a nonprofit entity; and 
(B) a low-interest loan under this section 
only if such owner is a for-profit individual or 
entity. 
(3) ELIGIBILITY OF UNITS OF LOCAL GOVERN-
MENT.—A municipal government, county, or other 
unit of local government may receive a grant under 
this section if sufficient capacity is demonstrated in 
their application to the Secretary of Housing and 
Urban Development. 
(e) GRANTS FOR AREAS OF HIGH AND PERSISTENT 
POVERTY.—Of any amounts made available pursuant to 
this section, not less than 30 percent shall be available 
without regard to any requirement regarding minimum 
grant amount and only for eligible uses within or directly 
benefitting— 
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(1) any county that has consistently had 20 
percent or more of the population living in poverty 
during the 30-year period preceding the date of en-
actment of this Act, as measured by the decennial 
census data obtained during those years and the 
most recent annual Small Area Income and Poverty 
Estimates as estimated by the Bureau of the Cen-
sus; 
(2) any census tract having a poverty rate of at 
least 20 percent as measured by the most recent 5- 
year data series available from the American Com-
munity Survey of the Census Bureau; or 
(3) any census tract having a predominantly 
disenfranchised population or a population dis-
proportionately impacted by health and safety haz-
ards in federally-assisted housing (as defined by the 
Secretary). 
(f) PRIORITIZATION.—In awarding grants under this 
section, the Secretary of Housing and Urban Development 
shall prioritize awards that ameliorate or prevent indoor 
residential mold or other severe health or safety threats. 
(g) WAGE RATE REQUIREMENTS.—Projects funded 
with funds provided under this section shall comply with 
the same requirements of subchapter IV of chapter 31 of 
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title 40, United States Code that are applicable to con-
tracts described in section 3142(a) of such title. 
(h) POLICIES; PROCEDURES; CONTRACTS.—Grants 
and low-interest loans under this section shall— 
(1) be provided through the policies, proce-
dures, contracts, and transactional infrastructure of 
the authorized programs administered by the De-
partment of Housing and Urban Development, on 
such terms and conditions as the Secretary of Hous-
ing and Urban Development deems appropriate to 
ensure the maintenance and preservation of the 
property, the continued operation and maintenance 
of energy efficiency technologies, and the timely ex-
penditure of funds; and 
(2) include a financial assessment and physical 
inspection of such property. 
(i) ELIGIBLE OWNERS.—To be eligible for a grant 
or low-interest loan under this section, the owner of the 
property shall have at least a satisfactory management 
and occupancy review rating, be in substantial compliance 
with applicable performance standards and legal require-
ments, and commit to an additional period of affordability 
determined by the Secretary, but of not fewer than 50 
years. Owners shall include nonprofit owners and preser-
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vation purchasers, including public housing agencies and 
nonprofit developers. 
(j) LOAN TERMS.— 
(1) IN GENERAL.—A loan under this section 
shall— 
(A) bear interest at a rate, determined by 
the Secretary, that— 
(i) does not exceed by 3 percentage 
points the discount window primary credit 
interest
rate
most recently published on 
the
Federal
Reserve Statistical Release 
on selected interest
rates (daily or week-
ly), commonly referred to as the ‘‘H.15 re-
lease’’ or the ‘‘Federal
funds
rate’’; and 
(ii) is below the average interest rate 
at the given time for a home improvement 
loan; and 
(B) have a term to maturity of 10 years or 
20 years, as determined by the Secretary based 
on the credit of the borrower. 
(2) VIOLATIONS.—If the owner of a property 
receiving a loan under this section does not use the 
loan amounts as required under subsection (b)(1), 
does not maintain the affordability of the property 
as required under subsection (i), or does not comply 
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cation for health professions on mold-related illness, in-
cluding for health professions who work with vulnerable 
populations and children in school or daycare settings. 
(h) COORDINATION.—In developing and carrying out 
the public information and education campaign, the heads 
of the agencies referred to in subsection (a) may coordi-
nate with the Ad Council. 
(i) LANGUAGE.—All information provided under the 
public information and education campaign— 
(1) shall be provided in at least two languages, 
as determined by the Secretary, based on the most 
common languages spoken in the neighborhood, 
tribe, municipality, State, or region, and may be pro-
vided in additional languages based on the most 
common languages spoken in the neighborhood, 
tribe, municipality, State, or region, as determined 
by the Secretary; and 
(2) shall be provided in language that is at a 
sixth grade reading level and is easy to understand. 
(j) PROVISION TO COVERED TENANTS.— 
(1) TIMING.—The Secretary of Housing and 
Urban Development, the Secretary of Agriculture, 
the Secretary of the Treasury, the Secretary of Vet-
erans Affairs, and the Attorney General shall ensure 
that all appropriate information under the informa-
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