any multifamily loans insured or reinsured 
under this subsection, except as provided in 
subparagraph (B). 
‘‘(B) AUTHORITY.—The Government Na-
tional Mortgage Association may, at the discre-
tion of the Director of Ginnie Mae, securitize 
any multifamily loan, provided that— 
‘‘(i) the Federal Housing Administra-
tion provides mortgage insurance based on 
the unpaid principal balance of the loan, as 
shall be described in the risk-sharing 
agreement; 
‘‘(ii) the Federal Housing Administra-
tion shall not require an assignment fee for 
mortgage insurance claims related to the 
securitized mortgages; and 
‘‘(iii) any successors and assigns of 
the risk-sharing partner (including the 
holders of credit instruments issued under 
a trust mortgage or deed of trust pursuant 
to which such holders act by and through 
a trustee therein named) shall not assume 
any obligation under the risk-sharing 
agreement and may assign any defaulted 
loan to the Federal Housing Administra-
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tion in exchange for payment of the mort-
gage insurance claim. 
The risk-sharing agreement shall provide for re-
imbursement to Ginnie Mae by the risk-sharing 
partner or partners for either all or a portion 
of the losses incurred on the loans insured.’’. 
(b) AUTHORITY.—Paragraph (6) of section 542(c) of 
the Housing and Community Development Act of 1992 
(12 U.S.C. 1715z–22(c)) is amended to read as follows: 
‘‘(6) GINNIE MAE SECURITIZATION.—The Gov-
ernment National Mortgage Association may, at the 
discretion of the Director of Ginnie Mae, securitize 
any multifamily loan insured under this subsection, 
provided that— 
‘‘(A) the Federal Housing Administration 
provides mortgage insurance based on the un-
paid principal balance of the loan, as shall be 
described by regulation; 
‘‘(B) the Federal Housing Administration 
shall not require an assignment fee for mort-
gage insurance claims related to the securitized 
mortgages; and 
‘‘(C) any successors and assigns of the 
risk-sharing partner (including the holders of 
credit instruments issued under a trust mort-
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gage or deed of trust pursuant to which such 
holders act by and through a trustee therein 
named) shall not assume any obligation under 
the risk-sharing agreement and may assign any 
defaulted loan to the Federal Housing Adminis-
tration in exchange for payment of the mort-
gage insurance claim. 
The risk-sharing agreement shall provide for reim-
bursement to Ginnie Mae by the risk-sharing part-
ner or partners for either all or a portion of the 
losses incurred on the loans insured.’’. 
(c) AMENDMENT TO GINNIE MAE CHARTER ACT.— 
Clause (ii) of the first sentence of section 306(g)(1) of 
the National Housing Act (12 U.S.C. 1721(g)(1)) is 
amended— 
(1) by striking the semicolon and inserting a 
comma; and 
(2) by inserting before the period at the end the 
following: ‘‘, or which are insured under subsection 
(b) or (c) of section 542 of the Housing and Com-
munity Development Act of 1992 (12 U.S.C. 1715z– 
22), subject to the terms of paragraph (8) or (6), re-
spectively, of such subsection’’. 
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TITLE V—AFFORDABLE 
HOUSING 
SEC. 501. AFFORDABLE HOUSING ALLOCATIONS. 
(a) FEE AND ALLOCATION OF AMOUNTS.—In addi-
tion to any fees for the provision of insurance established 
in accordance with title II, in each fiscal year the Platform 
shall— 
(1) charge and collect a fee in an amount equal 
to 10 basis points for each dollar of the outstanding 
principal balance of— 
(A) all eligible mortgage loans that 
collateralize securities insured under this Act; 
and 
(B) 
all 
other 
mortgage 
loans 
that 
collateralize securities on which Ginnie Mae 
guarantees the timely payment of principal and 
interest pursuant to title III of the National 
Housing Act (12 U.S.C. 1716 et seq.); and 
(2) allocate or otherwise transfer, on an annual 
basis— 
(A) 75 percent of such fee amounts to the 
Secretary of Housing and Urban Development 
to fund the Housing Trust Fund established 
under section 1338 of the Safety and Sound-
ness Act (12 U.S.C. 4568); 
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(B) 15 percent of such fee amounts to the 
Secretary of the Treasury to fund the Capital 
Magnet Fund established under section 1339 of 
the Safety and Soundness Act (12 U.S.C. 
4569); and 
(C) 10 percent of such fee amounts to the 
Ginnie Mae to fund the Market Access Fund 
established under section 504 of this Act. 
(b) CONTINUING OBLIGATION.—The fee required to 
be charged under subsection (a) shall be collected for the 
life of the security. 
(c) SUSPENSION OF CONTRIBUTIONS.—The Director 
may temporarily suspend, for an initial period of one year, 
allocations under subsection (a)(2) upon the submission 
by the Director to the Committee on Banking, Housing, 
and Urban Affairs of the Senate and the Committee on 
Financial Services of the House of Representatives of a 
written determination by the Director that such alloca-
tions are contributing, or would contribute, to the finan-
cial instability of the insurance Fund established under 
section 202(g). The Director may continue such suspen-
sion for additional periods, each up to one year in length, 
pursuant to the same submission and determination re-
quirements. 
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(d) RULE OF CONSTRUCTION.—The cost of the fee 
required to be charged under subsection (a) shall not be 
borne by eligible borrowers. 
SEC. 502. HOUSING TRUST FUND. 
Section 1338 of the Safety and Soundness Act (12 
U.S.C. 4568) is amended— 
(1) in subsection (a)(1)— 
(A) in the first sentence, by inserting ‘‘or 
pursuant to section 501 of the Partnership to 
Strengthen Homeownership Act of 2014’’ after 
‘‘section 1337’’; and 
(B) in the second sentence, by inserting 
‘‘federally-recognized tribes and’’ after ‘‘grants 
to’’; 
(2) by striking subsection (b) and inserting the 
following: 
‘‘(b) [Reserved.]’’; 
(3) in subsection (c)— 
(A) in paragraph (1), by striking ‘‘Except 
as provided in subsection (b), the’’ and insert-
ing ‘‘The’’; 
(B) in paragraph (2)— 
(i) by striking ‘‘(as such term is de-
fined in section 4 of the Native American 
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Housing Assistance and Self-Determina-
tion Act of 1997 (25 U.S.C. 4103))’’; and 
(ii) by adding at the end the fol-
lowing: ‘‘An Indian tribe receiving grant 
amounts under this subsection may des-
ignate a federally recognized tribe or a 
tribally designated housing entity to re-
ceive such grant amounts. Nothing in this 
subsection shall limit or be construed to 
limit the ability of an Indian tribe or a 
tribally designated housing entity from 
being a permissible designated recipient of 
grant amounts provided by a State under 
this section.’’; 
(C) in paragraph (3)— 
(i) in the heading, by inserting ‘‘IN-
DIAN TRIBES AND’’ before ‘‘STATES’’; 
(ii) in subparagraph (A), by striking 
‘‘The Secretary shall’’ and insert the fol-
lowing: 
‘‘(i) 
MINIMUM
TRIBAL
DISTRIBU-
TIONS.— 
‘‘(I) IN
GENERAL.—The Sec-
retary, acting through the Office of 
Native American Programs, shall dis-
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100 
tribute via competitive grants the 
amounts determined under subclause 
(II) and made available under this 
subsection to federally recognized 
tribes and tribally designated housing 
entities. 
‘‘(II) 
AMOUNTS.—The 
total 
amount required to be distributed 
under this subclause for a fiscal year 
shall be the greater of $20,000,000, 
or 2 percent of the total amount of 
amounts allocated for the Housing 
Trust Fund under this section. 
‘‘(III) USE OF AMOUNTS.—Com-
petitive grant amounts received by a 
federally recognized tribe or a tribally 
designated housing entity under this 
clause may be used, or committed to 
use, only for those activities that are 
identified as eligible affordable hous-
ing activities under section 202 of the 
Native American Housing Assistance 
and Self-Determination Act of 1996 
(25 U.S.C. 4132). 
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101 
‘‘(IV) EVALUATION OF APPLICA-
TIONS.— 
‘‘(aa) 
IN
GENERAL.—In 
evaluating any application for the 
receipt 
of 
competitive 
grant 
amounts authorized under this 
clause, 
the 
Secretary, 
acting 
through the Office of Native 
American Programs, shall con-
sider with respect to the federally 
recognized tribe applicant or trib-
ally designated housing entity ap-
plicant and to Indian reserva-
tions and other Indian areas as-
sociated with the federally recog-
nized tribe applicant or served by 
the tribally designated housing 
entity applicant evaluation cri-
teria, including the following: 
‘‘(AA) Level of poverty 
on the Indian reservation or 
in the Indian area. 
‘‘(BB) Level of unem-
ployment on the Indian res-
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102 
ervation or in the Indian 
area. 
‘‘(CC) 
Condition 
of 
housing stock on the Indian 
reservation or in the Indian 
area. 
‘‘(DD) Level of over-
crowded housing on the In-
dian reservation or in the 
Indian area, as measured by 
the number of households in 
which the number of persons 
per room is greater than 
one. 
‘‘(EE) 
Presence 
and 
prevalence of black mold on 
the Indian reservation or in 
the Indian area. 
‘‘(FF) 
Demonstrated 
experience, 
capacity, 
and 
ability of the applicant to 
manage affordable housing 
programs, including multi-
family rental housing pro-
grams, homeownership pro-
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103 
grams, and programs to as-
sist purchasers with down 
payments, closing costs, or 
interest rate buy-downs. 
‘‘(GG) 
Demonstrated 
ability of the applicant to 
meet the requirements under 
the Native American Hous-
ing Assistance and Self-De-
termination Act of 1996 (25 
U.S.C. 4101 et seq.), includ-
ing the timely and efficient 
expenditure of funds. 
‘‘(HH) Such other cri-
teria as may be specified by 
the Secretary in order to 
evaluate the overall quality 
of the proposed project, the 
feasibility of the proposed 
project, and whether the 
proposed project will address 
the housing needs on the In-
dian reservation or in the 
Indian area. 
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104 
‘‘(bb) REVIEW OF DATA.—In 
evaluating any application for the 
receipt 
of 
competitive 
grant 
amounts authorized under this 
clause, 
the 
Secretary, 
acting 
through the Office of Native 
American Programs, shall permit 
a federally recognized tribe appli-
cant or a tribally designated 
housing entity applicant to sup-
plement or replace, in whole or in 
part, any data compiled and pro-
duced by the Bureau of the Cen-
sus and upon which the Sec-
retary, acting through the Office 
of Native American Program, re-
lies, provided such tribally-col-
lected data meets the Depart-
ment of Housing and Urban De-
velopment’s standards for accu-
racy. 
‘‘(V) TREATMENT OF FUNDS.— 
Notwithstanding any other provision 
of law, competitive grant amounts re-
ceived under this clause shall not be 
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105 
considered Federal funds for purposes 
of matching other Federal sources of 
funds. 
‘‘(VI) 
RULE
OF
CONSTRUC-
TION.—The 
requirements 
under 
clause (ii), subparagraphs (B) and (C) 
of this paragraph, and paragraphs (4) 
through (8) and paragraph (10)(A) of 
this subsection shall not apply to any 
amounts distributed under this clause 
to a federally recognized tribe or a 
tribally designated housing entity. 
‘‘(ii) STATE
DISTRIBUTIONS.—From 
any amounts remaining in the Housing 
Trust Fund after the distribution of the 
amounts required under clause (i), the Sec-
retary shall’’; 
(iii) in subparagraph (B), by striking 
‘‘subparagraph (A)’’ and inserting ‘‘sub-
paragraph (A)(ii)’’; and 
(iv) in subparagraph (C), by striking 
‘‘subparagraph (A)’’ and inserting ‘‘sub-
paragraph (A)(ii)’’; 
(D) in paragraph (4)— 
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106 
(i) in subparagraph (B), by striking 
‘‘other than fiscal year 2009’’; and 
(ii) by striking subparagraph (C), and 
inserting the following: 
‘‘(C) MINIMUM STATE ALLOCATIONS.— 
‘‘(i) IN
GENERAL.—Except as pro-
vided in clause (ii), if the formula amount 
determined under paragraph (3) for a fis-
cal 
year 
would 
allocate 
less 
than 
$10,000,000 to any of the 50 States of the 
United States or the District of Columbia, 
the allocation for such State of the United 
States or the District of Columbia shall be 
the greater of $10,000,000, or 1 percent of 
the total amount of amounts allocated for 
the Housing Trust Fund under this section 
and the increase in any such allocation 
shall be deducted pro rata from the alloca-
tions made to all other of the States (as 
such term is defined in section 1303). 
‘‘(ii) EXCEPTION.—If the allocation to 
the Housing Trust Fund under section 
501(a)(2)(A) 
of 
the 
Partnership 
to 
Strengthen Homeownership Act of 2014 
for 
a 
fiscal 
year 
is 
less 
than 
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107 
$1,000,000,000, the minimum allocation to 
any of the 50 States of the United States 
or the District of Columbia shall be the 
greater of $5,000,000 or 1 percent of the 
total amount of amounts allocated for the 
Housing Trust Fund under this section 
and the increase in any such allocation 
shall be deducted pro rata from the alloca-
tions made to all other of the States (as 
such term is defined in section 1303).’’; 
(E) in paragraph (7)(B)(iv), by striking 
‘‘section 132’’ and inserting ‘‘section 1132’’; 
and 
(F) by adding at the end the following: 
‘‘(11) RULE
OF
CONSTRUCTION.—Nothing in 
this subsection shall be construed to limit the ability 
of a federally recognized tribe or a tribally des-
ignated housing entity from receiving grant amounts 
provided by a State under this section.’’; and 
(4) in subsection (f), by adding at the end the 
following: 
‘‘(7) TRIBAL TERMS.— 
‘‘(A) IN GENERAL.—The terms ‘federally 
recognized tribe’, ‘Indian area’, ‘Indian tribe’, 
and ‘tribally designated housing entity’ have the 
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108 
same meaning as in section 4 of the Native 
American Housing Assistance and Self-Deter-
mination Act of 1996 (25 U.S.C. 4103). 
‘‘(B) INDIAN
RESERVATION.—The term 
‘Indian reservation’ means land subject to the 
jurisdiction of an Indian tribe.’’. 
SEC. 503. CAPITAL MAGNET FUND. 
Section 1339 of the Safety and Soundness Act (12 
U.S.C. 4569) is amended— 
(1) in subsection (b)(1), by inserting ‘‘or sec-
tion 501 of the Partnership to Strengthen Home-
ownership Act of 2014’’ after ‘‘section 1337’’; 
(2) in subsection (c)(2), by inserting ‘‘and trib-
al’’ after ‘‘rural’’; and 
(3) in subsection (h)(2)(A), by inserting ‘‘and 
tribal’’ after ‘‘rural’’. 
‘‘(7) TRIBAL TERMS.— 
‘‘(A) IN GENERAL.—The terms ‘federally 
recognized tribe’, ‘Indian area’, ‘Indian tribe’, 
and ‘tribally designated housing entity’ have the 
same meaning as in section 4 of the Native 
American Housing Assistance and Self-Deter-
mination Act of 1996 (25 U.S.C. 4103). 
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109 
‘‘(B) INDIAN
RESERVATION.—The term 
‘Indian reservation’ means land subject to the 
jurisdiction of an Indian tribe.’’. 
SEC. 504. MARKET ACCESS FUND. 
(a) ESTABLISHMENT.—Ginnie Mae shall establish a 
fund, to be known as the ‘‘Market Access Fund’’. 
(b) DEPOSITS.—The Market Access Fund shall be 
credited with— 
(1) the share of the fee charged and collected 
by the Platform under section 501(a)(1)(B)(iii); and 
(2) such other amounts as may be appropriated 
or transferred to the Market Access Fund. 
(c) PURPOSE.—Amounts in the Market Access Fund 
shall be eligible for use by grantees to address the home-
ownership and rental housing needs of extremely low-, 
very low-, low-, and moderate-income and underserved or 
hard-to-serve populations by— 
(1) providing grants and loans for research, de-
velopment, and pilot testing of innovations in con-
sumer education, product design, underwriting, and 
servicing; 
(2) offering additional credit support for certain 
eligible mortgage loans or pools of eligible mortgage 
loans, such as by covering a portion of any capital 
required to obtain insurance from the Ginnie Mae 
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110 
under this Act, provided that amounts for such addi-
tional credit support do not replace borrower funds 
required of an eligible mortgage loan; 
(3) providing grants and loans, including 
through the use of pilot programs of sufficient scale, 
to support the research and development of sustain-
able homeownership and affordable rental programs, 
which programs shall include manufactured homes 
purchased through real estate and personal property 
loans and manufactured homes used as rental hous-
ing, provided that such grant or loan amounts are 
used only for the benefit of families whose income 
does not exceed 120 percent of the median income 
for the area as determined by Ginnie Mae, with ad-
justments for family size; 
(4) providing limited credit enhancement, and 
other forms of credit support, for product and serv-
ices that— 
(A) will increase the rate of sustainable 
homeownership and affordable rental housing, 
including 
manufactured 
homes 
purchased 
through real estate and personal property loans 
and manufactured homes used as rental hous-
ing, by individuals or families whose income 
does not exceed 120 percent of the area median 
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111 
income as determined by Ginnie Mae, with ad-
justments for family size; and 
(B) might not otherwise be offered or sup-
ported by a pilot program of sufficient scale to 
determine the viability of such products and 
services in the private market; 
(5) providing housing counseling by a HUD-ap-
proved housing counseling agency; and 
(6) providing incentives to achieve broader ac-
cess to credit. 
(d) ANNUAL REPORT.—The Director of Ginnie Mae 
shall, on an annual basis, report to Congress on the per-
formance and outcome of grants, loans, or credit support 
programs funded by the Market Access Fund in accord-
ance with subsection (c), including an evaluation of how 
each grant, loan, or credit support program— 
(1) succeeded in meeting or failed to meet the 
needs of certain populations, especially extremely 
low-, very low-, low-, and moderate-income and un-
derserved or hard-to-serve populations; and 
(2) succeeded in maximizing or failed to maxi-
mize the leverage of public investment made for each 
such grant, loan, or credit support program. 
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112 
TITLE VI—GENERAL 
PROVISIONS 
SEC. 601. RULE OF CONSTRUCTION REGARDING SENIOR 
PREFERRED 
STOCK 
PURCHASE 
AGREE-
MENTS. 
Nothing in this Act shall be construed to alter, super-
sede, or interfere with the final ruling of a court of com-
petent jurisdiction with respect to any provision of the 
Senior Preferred Stock Purchase Agreement or amend-
ments thereof of an enterprise. 
SEC. 602. TREATMENT OF COMMUNITY DEVELOPMENT FI-
NANCIAL INSTITUTION. 
(a) AMENDMENT.—Section 10(a) of the Federal 
Home Loan Bank Act (12 U.S.C. 1430(a)) is amended— 
(1) in paragraph (2)(B), by inserting ‘‘or com-
munity development financial institution (as defined 
in section 103 of the Riegle Community Develop-
ment and Regulatory Improvement Act of 1994 (12 
U.S.C. 4702))’’ after ‘‘community financial institu-
tion’’; and 
(2) in paragraph (3)(E), by inserting ‘‘or com-
munity development financial institution (as defined 
in section 103 of the Riegle Community Develop-
ment and Regulatory Improvement Act of 1994 (12 
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113 
U.S.C. 4702))’’ after ‘‘community financial institu-
tion’’. 
(b) EFFECTIVE DATE.—The amendment made by 
subsection (a) shall take effect on the certification date. 
Æ 
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