(3) STATE.—The term ‘‘State’’ means each of 
the several States, the Commonwealth of Puerto 
Rico, the District of Columbia, the Commonwealth 
of the Northern Mariana Islands, Guam, the Virgin 
Islands, American Samoa, the Trust Territories of 
the Pacific, or any other possession of the United 
States. 
SEC. 25. GREEN BANKING CENTERS. 
(a) INSURED DEPOSITORY INSTITUTIONS.—Section 8 
of the Federal Deposit Insurance Act (12 U.S.C. 1818) 
by adding at the end the following new subsection: 
‘‘(x) ‘GREEN BANKING’ CENTERS.— 
‘‘(1) IN GENERAL.—The Federal banking agen-
cies shall prescribe guidelines encouraging the estab-
lishment and maintenance of ‘green banking’ centers 
by insured depository institutions to provide any 
consumer who seeks information on obtaining a 
mortgage, home improvement loan, or home equity 
loan with additional information on— 
‘‘(A) obtaining an home energy rating or 
audit for the residence for which such mortgage 
or loan is sought; 
‘‘(B) obtaining financing for cost-effective 
energy-saving improvements to such property; 
and 
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‘‘(C) obtaining beneficial terms for any 
mortgage or loan, or qualifying for a larger 
mortgage or loan, secured by a residence which 
meets or will meet energy-efficiency standards. 
‘‘(2) INFORMATION AND REFERRALS.—The in-
formation made available to consumers under para-
graph (1) may include— 
‘‘(A) information on obtaining a home en-
ergy rating and contact information on quali-
fied energy raters in the area of the residence; 
‘‘(B) information on the secondary market 
guidelines that permit lenders to provide more 
favorable terms by allowing lenders to increase 
the ratio on debt-to-income requirements or to 
use the projected utility savings as a compen-
sating factor; 
‘‘(C) information including eligibility infor-
mation about, and contact information for, any 
conservation or renewable energy programs, 
grants, or loans offered by the Secretary of 
Housing and Urban Development, including the 
Energy Efficient Mortgage Program; 
‘‘(D) information including eligibility infor-
mation about, and contact information for, any 
conservation or renewable energy programs, 
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grants, or loans offered for qualified military 
personal, reservists, and veterans by the Sec-
retary of Veterans Affairs; 
‘‘(E) information about, and contact infor-
mation for, the Office of Efficiency and Renew-
able Energy at the Department of Energy, in-
cluding the weatherization assistance program; 
‘‘(F) information about, and contact infor-
mation for, the Energy Star Program of the 
Environmental Protection Agency; 
‘‘(G) information from, and contact infor-
mation for, the Federal Citizen Information 
Center of the General Services Administration 
on energy efficient mortgages and loans, home 
energy rating systems, and the availability of 
energy efficient mortgage information from a 
variety of Federal agencies; and 
‘‘(H) such other information as the agen-
cies or the insured depository institution may 
determine to be appropriate or useful.’’. 
(b) INSURED CREDIT UNIONS.—Section 206 of the 
Federal Credit Union Act (12 U.S.C. 1786) is amended 
by adding at the end the following new subsection: 
‘‘(x) ‘GREEN BANKING’ CENTERS.— 
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‘‘(1) IN GENERAL.—The Board shall prescribe 
guidelines encouraging the establishment and main-
tenance of ‘green banking’ centers by insured credit 
unions to provide any member who seeks informa-
tion on obtaining a mortgage, home improvement 
loan, or home equity loan with additional informa-
tion on— 
‘‘(A) obtaining an home energy rating or 
audit for the residence for which such mortgage 
or loan is sought; 
‘‘(B) obtaining financing for cost-effective 
energy-saving improvements to such property; 
and 
‘‘(C) obtaining beneficial terms for any 
mortgage or loan, or qualifying for a larger 
mortgage or loan, secured by a residence which 
meets or will meet energy-efficiency standards. 
‘‘(2) INFORMATION AND REFERRALS.—The in-
formation made available to members under para-
graph (1) may include— 
‘‘(A) information on obtaining a home en-
ergy rating and contact information on quali-
fied energy raters in the area of the residence; 
‘‘(B) information on the secondary market 
guidelines that permit lenders to provide more 
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sroberts on PROD1PC70 with BILLS
favorable terms by allowing lenders to increase 
the ratio on debt-to-income requirements or to 
use the projected utility savings as a compen-
sating factor; 
‘‘(C) information including eligibility infor-
mation about, and contact information for, any 
conservation or renewable energy programs, 
grants, or loans offered by the Secretary of 
Housing and Urban Development, including the 
Energy Efficient Mortgage Program; 
‘‘(D) information including eligibility infor-
mation about, and contact information for, any 
conservation or renewable energy programs, 
grants, or loans offered for qualified military 
personal, reservists, and veterans by the Sec-
retary of Veterans Affairs; 
‘‘(E) information about, and contact infor-
mation for, the Office of Efficiency and Renew-
able Energy at the Department of Energy, in-
cluding the weatherization assistance program; 
‘‘(F) information from, and contact infor-
mation for, the Federal Citizen Information 
Center of the General Services Administration 
on energy efficient mortgages and loans, home 
energy rating systems, and the availability of 
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energy efficient mortgage information from a 
variety of Federal agencies; and 
‘‘(G) such other information as the Board 
or the insured credit union may determine to be 
appropriate or useful.’’. 
Æ 
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