I 
117TH CONGRESS 
1ST SESSION H. R. 6331 
To permanently authorize the Native Community Development Financial In-
stitutions lending program of the Department of Agriculture, and for 
other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
DECEMBER 20, 2021 
Mr. JOHNSON of South Dakota (for himself, Ms. LEGER FERNANDEZ, and 
Mr. KAHELE) introduced the following bill; which was referred to the 
Committee on Financial Services 
A BILL 
To permanently authorize the Native Community Develop-
ment Financial Institutions lending program of the De-
partment of Agriculture, 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. 
This Act may be cited as the ‘‘Native American Rural 
Homeownership Improvement Act of 2021’’. 
SEC. 2. NATIVE CDFI RELENDING PROGRAM. 
Section 502 of the Housing Act of 1949 (42 U.S.C. 
1472) is amended by adding at the end the following: 
VerDate Sep 11 2014 
00:01 Dec 24, 2021
Jkt 029200
PO 00000
Frm 00001
Fmt 6652
Sfmt 6201
E:\BILLS\H6331.IH
H6331
pbinns on DSKJLVW7X2PROD with BILLS
‘‘(j) SET ASIDE FOR NATIVE COMMUNITY DEVELOP-
MENT FINANCIAL INSTITUTIONS.— 
‘‘(1) DEFINITIONS.—In this subsection— 
‘‘(A) the term ‘Alaska Native’ has the 
meaning given the term ‘Native’ in section 3(b) 
of the Alaska Native Claims Settlement Act (43 
U.S.C. 1602(b)); 
‘‘(B) the term ‘appropriate congressional 
committees’ means— 
‘‘(i) the Committee on Agriculture of 
the Senate; 
‘‘(ii) the Committee on Indian Affairs 
of the Senate; 
‘‘(iii) the Committee on Banking, 
Housing, and Urban Affairs of the Senate; 
‘‘(iv) the Committee on Agriculture of 
the House of Representatives; 
‘‘(v) the Committee on Natural Re-
sources of the House of Representatives; 
and 
‘‘(vi) the Committee on Financial 
Services of the House of Representatives; 
‘‘(C) the term ‘community development fi-
nancial institution’ has the meaning given the 
term in section 103 of the Community Develop-
VerDate Sep 11 2014 
00:01 Dec 24, 2021
Jkt 029200
PO 00000
Frm 00002
Fmt 6652
Sfmt 6201
E:\BILLS\H6331.IH
H6331
pbinns on DSKJLVW7X2PROD with BILLS
ment Banking and Financial Institutions Act of 
1994 (12 U.S.C. 4702); 
‘‘(D) the term ‘Indian Tribe’ has the 
meaning given the term ‘Indian tribe’ in section 
4 of the Native American Housing Assistance 
and Self-Determination Act of 1996 (25 U.S.C. 
4103); 
‘‘(E) the term ‘Native community develop-
ment financial institution’ means an entity— 
‘‘(i) that has been certified as a com-
munity development financial institution by 
the Secretary of the Treasury; 
‘‘(ii) that is not less than 50 percent 
owned or controlled by members of Indian 
Tribes, Alaska Native communities, or Na-
tive Hawaiian communities; and 
‘‘(iii) for which not less than 50 per-
cent of the activities of the entity serve In-
dian Tribes, Alaska Native communities, 
or Native Hawaiian communities; 
‘‘(F) the term ‘Native Hawaiian’ has the 
meaning given the term in section 801 of the 
Native American Housing Assistance and Self- 
Determination Act of 1996 (25 U.S.C. 4221); 
and 
VerDate Sep 11 2014 
00:01 Dec 24, 2021
Jkt 029200
PO 00000
Frm 00003
Fmt 6652
Sfmt 6201
E:\BILLS\H6331.IH
H6331
pbinns on DSKJLVW7X2PROD with BILLS
‘‘(G) the term ‘priority Tribal land’ 
means— 
‘‘(i) any land located within the 
boundaries of— 
‘‘(I) an Indian reservation, pueb-
lo, or rancheria; or 
‘‘(II) a former reservation within 
Oklahoma; 
‘‘(ii) any land not located within the 
boundaries of an Indian reservation, pueb-
lo, or rancheria, the title to which is held— 
‘‘(I) in trust by the United States 
for the benefit of an Indian Tribe or 
an individual Indian; 
‘‘(II) by an Indian Tribe or an 
individual Indian, subject to restric-
tion against alienation under laws of 
the United States; or 
‘‘(III) by a dependent Indian 
community; 
‘‘(iii) any land located within a region 
established pursuant to section 7(a) of the 
Alaska Native Claims Settlement Act (43 
U.S.C. 1606(a)); 
VerDate Sep 11 2014 
00:01 Dec 24, 2021
Jkt 029200
PO 00000
Frm 00004
Fmt 6652
Sfmt 6201
E:\BILLS\H6331.IH
H6331
pbinns on DSKJLVW7X2PROD with BILLS
‘‘(iv) Hawaiian Home Lands, as de-
fined in section 801 of the Native Amer-
ican Housing Assistance and Self-Deter-
mination Act of 1996 (25 U.S.C. 4221); or 
‘‘(v) those areas or communities des-
ignated by the Assistant Secretary of In-
dian Affairs of the Department of the Inte-
rior that are near, adjacent, or contiguous 
to reservations where financial assistance 
and social service programs are provided to 
Indians because of their status as Indians. 
‘‘(2) PURPOSE.—The purpose of this subsection 
is to— 
‘‘(A) increase homeownership opportunities 
for Indian Tribes, Alaska Native Communities, 
and Native Hawaiian communities in rural 
areas; and 
‘‘(B) provide capital to Native community 
development financial institutions to increase 
the number of mortgage transactions carried 
out by those institutions. 
‘‘(3) SET
ASIDE
FOR
NATIVE
CDFIS.—Of 
amounts appropriated to make direct loans under 
this section for each fiscal year, the Secretary shall 
use $50,000,000 to make direct loans to Native 
VerDate Sep 11 2014 
00:01 Dec 24, 2021
Jkt 029200
PO 00000
Frm 00005
Fmt 6652
Sfmt 6201
E:\BILLS\H6331.IH
H6331
pbinns on DSKJLVW7X2PROD with BILLS
community, or a Native Hawaiian 
community; and 
‘‘(B) in making loans under subparagraph 
(A), give priority to borrowers described in that 
subparagraph who are residing on priority Trib-
al land. 
‘‘(6) NON-FEDERAL COST SHARE.— 
‘‘(A) IN GENERAL.—A Native community 
development financial institution that receives a 
loan under this section shall be required to 
match not less than 20 percent of the amount 
received. 
‘‘(B) WAIVER.—In the case of a loan for 
which amounts are used to make loans to bor-
rowers described in paragraph (5)(B), the Sec-
retary shall waive the non-Federal cost share 
requirement described in subparagraph (A) with 
respect to those loan amounts. 
‘‘(7) REPORTING.— 
‘‘(A) 
ANNUAL
REPORT
BY
NATIVE 
CDFIS.—Each Native community development 
financial institution that receives a loan pursu-
ant to this subsection shall submit an annual 
report to the Secretary on the lending activities 
VerDate Sep 11 2014 
00:01 Dec 24, 2021
Jkt 029200
PO 00000
Frm 00007
Fmt 6652
Sfmt 6201
E:\BILLS\H6331.IH
H6331
pbinns on DSKJLVW7X2PROD with BILLS
of the institution using the loan amounts, which 
shall include— 
‘‘(i) a description of the outreach ef-
forts of the institution in local communities 
to identify eligible borrowers; 
‘‘(ii) a description of how the institu-
tion leveraged additional capital to reach 
prospective borrowers; 
‘‘(iii) the number of loan applications 
received, approved, and deployed; 
‘‘(iv) the average loan amount; 
‘‘(v) the number of finalized loans 
that were made on Tribal trust lands and 
not on Tribal trust lands; and 
‘‘(vi) the number of finalized loans 
that were made on priority Tribal land and 
not priority Tribal land. 
‘‘(B) ANNUAL
REPORT
TO
CONGRESS.— 
Not later than 1 year after the date of enact-
ment of this subsection, and every year there-
after, the Secretary shall submit to the appro-
priate congressional communities a report that 
includes— 
‘‘(i) a list of loans made to Native 
community development financial institu-
VerDate Sep 11 2014 
00:01 Dec 24, 2021
Jkt 029200
PO 00000
Frm 00008
Fmt 6652
Sfmt 6201
E:\BILLS\H6331.IH
H6331
pbinns on DSKJLVW7X2PROD with BILLS
tions pursuant to this subsection, including 
the name of the institution and the loan 
amount; 
‘‘(ii) the percentage of loans made 
under this section to members of Indian 
Tribes, Alaska Native communities, and 
Native Hawaiian communities, respectively, 
including a breakdown of loans made to 
households residing on and not on Tribal 
trust lands; and 
‘‘(iii) the average loan amount made 
by Native community development finan-
cial institutions pursuant to this sub-
section. 
‘‘(C) EVALUATION
OF
PROGRAM.—Not 
later than 3 years after the date of enactment 
of this subsection, the Secretary and the Sec-
retary of the Treasury shall conduct an evalua-
tion of and submit to the appropriate congres-
sional committees a report on the program 
under this subsection, which shall— 
‘‘(i) evaluate the effectiveness of the 
program, including an evaluation of the de-
mand for loans under the program; and 
VerDate Sep 11 2014 
00:01 Dec 24, 2021
Jkt 029200
PO 00000
Frm 00009
Fmt 6652
Sfmt 6201
E:\BILLS\H6331.IH
H6331
pbinns on DSKJLVW7X2PROD with BILLS
‘‘(ii) include recommendations relating 
to the program, including whether— 
‘‘(I) the program should be ex-
panded such that all community devel-
opment financial institutions may 
make loans under the program to the 
borrowers described in paragraph (5); 
and 
‘‘(II) the set aside amount para-
graph (3) should be modified in order 
to match demand under the program. 
‘‘(8) GRANTS FOR OPERATIONAL SUPPORT.— 
‘‘(A) IN
GENERAL.—The Secretary shall 
make grants to Native community development 
financial institutions that receive a loan under 
this section to provide operational support and 
other related services to those institutions, sub-
ject to— 
‘‘(i) the satisfactory performance, as 
determined by the Secretary, of a Native 
community development financial institu-
tion in carrying out this section; and 
‘‘(ii) the availability of funding. 
‘‘(B) AMOUNT.—A Native community de-
velopment financial institution that receives a 
VerDate Sep 11 2014 
00:01 Dec 24, 2021
Jkt 029200
PO 00000
Frm 00010
Fmt 6652
Sfmt 6201
E:\BILLS\H6331.IH
H6331
pbinns on DSKJLVW7X2PROD with BILLS
loan under this section shall be eligible to re-
ceive an annual grant described in subpara-
graph (A) in an amount equal to not less than 
20 percent and not more than 25 percent of the 
total outstanding balance of loans made by the 
Native community development financial insti-
tution under the program under this section as 
of the date on which the grant is awarded. 
‘‘(9) OUTREACH
AND
TECHNICAL
ASSIST-
ANCE.—There is authorized to be appropriated to 
the Secretary $1,000,000 for each of fiscal years 
2022, 2023, and 2024— 
‘‘(A) to provide technical assistance to Na-
tive community development financial institu-
tions— 
‘‘(i) relating to homeownership and 
other housing-related assistance provided 
by the Secretary; and 
‘‘(ii) to assist those institutions to 
perform outreach to eligible homebuyers 
relating to the loan program under this 
section; or 
‘‘(B) to provide funding to a national orga-
nization representing Native American housing 
interests to perform outreach and provide tech-
VerDate Sep 11 2014 
00:01 Dec 24, 2021
Jkt 029200
PO 00000
Frm 00011
Fmt 6652
Sfmt 6201
E:\BILLS\H6331.IH
H6331
pbinns on DSKJLVW7X2PROD with BILLS
nical assistance as described in clauses (i) and 
(ii), respectively, of subparagraph (A).’’. 
Æ 
VerDate Sep 11 2014 
00:01 Dec 24, 2021
Jkt 029200
PO 00000
Frm 00012
Fmt 6652
Sfmt 6301
E:\BILLS\H6331.IH
H6331
pbinns on DSKJLVW7X2PROD with BILLS