(1) In 2018, according to the Department of 
Agriculture, 37,200,000 individuals in the United 
States (including 11,100,000 children) lived in food 
insecure households. That equals 1 in 9 individuals 
and 1 in 7 children. 
(2) In 2017, according to the Bureau of the 
Census, 
38,100,000 
individuals 
(including 
13,200,000 children) lived below the Federal poverty 
line. The majority of these individuals living in pov-
erty were working people, children, older individuals, 
and individuals with disabilities. 
(3) Many low-income individuals work multiple 
jobs and, contrary to common misconceptions, if un-
employed, they spend a great deal of time looking 
for work. They often travel by public transportation, 
laboriously making multiple connections to shuttle 
between home, work, social service agencies, houses 
of worship, and grocery stores. For those living in 
rural and suburban areas far from work and without 
adequate public transportation they rely upon vehi-
cles to get to work, but these are often less reliable 
secondhand vehicles, that often break down. From 
traveling greater distances between available jobs 
and livable areas with affordable housing options, 
seeking out scarce childcare options that fit a tight 
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budget and a constrained travel schedule, and caring 
for elderly parents or grandparents because a senior 
living facility is not financially realistic, low-income 
individuals have little spare time. 
(4) While government safety net programs help 
tens of million of individuals avoid starvation, home-
lessness, and other outcomes even more dreadful 
than everyday poverty, there are significant obstacles 
that those seeking and maintaining government as-
sistance face for as long as they are eligible. Quali-
fied applicants are often required to travel signifi-
cant distances to multiple government offices, pre-
paring and submitting piles of nearly identical pa-
perwork to access the different government assist-
ance programs. Even when the application process 
begins online, the eligible applicant is typically still 
required to physically follow up with each govern-
ment office with physical copies, for near identical 
meetings. As a result, many low-income people are 
actually unaware of all the government benefits for 
which they are eligible, reducing the amount of help 
going to individuals in need by tens of billions of 
dollars every year. The lines in these offices can 
seem endless, and sometimes clients need to wait 
outside, for hours, in the worst kinds of weather. 
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Many offices don’t have weekend or night hours, so 
an applicant is at risk of losing wages when often 
their only option is to apply for government help 
during work hours. 
(5) Each year, many vital government programs 
go underutilized because eligible beneficiaries are 
hindered by obtrusive, time consuming, and repet-
itive application barriers. In 2015, according to the 
Department of Agriculture, 15 percent of all people 
eligible for supplemental nutrition assistance pro-
gram (SNAP), 25 percent of the ‘‘working poor’’ eli-
gible for SNAP, and 55 percent of seniors over 60 
who were eligible failed to receive it. 
(6) The United States has hundreds of thou-
sands of nonprofit groups providing high quality and 
much needed social services, but it is nearly impos-
sible for struggling people to determine which of 
those organizations provides services they need, 
whether the organization is conveniently located, and 
for which services they are eligible. If they do deter-
mine that a nonprofit (or multiple nonprofits) could 
help, they need to take yet more time to visit each 
one. 
(7) Since many government and nonprofit pro-
grams require frequent reapplications and recertifi-
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cations, a low-income person often has to repeat the 
same endless and frustrating process. 
(8) Technology has fundamentally revamped the 
lives of most individuals, usually for the better. Ac-
cording to the Pew Research Center, 64 percent of 
low-income individuals have a smart phone as of 
2016 (not because a smart phone is a luxury but be-
cause it is an essential tool of learning and work in 
modern America) but they rarely can use these de-
vices to apply for benefits. Digital technology, com-
bined with policy improvements, can simplify the 
lives and boost the long-term self-sufficiency of our 
lowest income residents. 
SEC. 3. DEFINITIONS. 
(1) SECRETARIES.—The term ‘‘Secretaries’’ 
means the Secretary of Health and Human Services, 
the Secretary of Agriculture, and the Secretary of 
Housing and Urban Development, acting collabo-
ratively. 
(2) ELIGIBLE ENTITY.—The term ‘‘eligible pilot 
community’’ means a State, unit of general purpose 
local government, Tribal government, or an entity 
that represents a smaller geographical area therein 
(including a neighborhood). 
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(3) TARGET POPULATION.—The term ‘‘target 
population’’ includes an individual or household 
that— 
(A) earns an income below 200 percent of 
the Federal poverty line, 
(B) suffers from food insecurity, 
(C) earns insufficient income to ensure 
food security or economic security, 
(D) lives in a rural, suburban, or urban 
community that suffers from poverty, hunger, 
or food insecurity, 
(E) is homeless, 
(F) receives (or recently received) assist-
ance under a State program funded under part 
A of title IV of the Social Security Act (42 
U.S.C. et seq.), relating to temporary assistance 
to needy families, 
(G) is eligible for benefits under any Fed-
eral nutrition assistance program or Federal 
antipoverty program, or 
(H) is formerly a youth in transition from 
foster care or the juvenile detention facilities. 
(4) PARTNER NONPROFIT ORGANIZATION.—The 
term ‘‘partner nonprofit organization’’ means any 
national, regional, State, or local nonprofit group de-
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scribed in section 501(c)(3) of the Internal Revenue 
Code of 1986 and exempt from tax under section 
501(a) of such Code. 
SEC. 4. HOPE ACCOUNTS PILOT PROJECTS. 
(a) PILOT PROJECTS AUTHORIZED.—The Secretaries 
shall allow eligible entities that apply to do so—based on 
an application to be created by the Secretaries—to carry 
out HOPE (Health, Opportunity, and Personal Empower-
ment) Accounts Pilot Projects (in this section referred to 
as Projects) to enable target populations of individuals to 
establish through banks, credit unions, and any govern-
mental or Tribal agencies HOPE accounts that enable 
such individuals— 
(1) to have their paychecks deposited directly in 
such accounts, 
(2) to use such accounts to increase savings 
that would be matched with funds provided by gov-
ernment and private sources, including individual de-
velopment accounts, 
(3) to use an account app on a smart phone to 
easily locate and sign-up for job training and place-
ment services online, 
(4) to enable such individuals to use any smart 
phone, tablet, or computer— 
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(A) to learn about the public and philan-
thropic programs that provide benefits to such 
individuals, including aid to improve health, nu-
trition, job training and placement, housing, in-
come and to receive Federal and State tax cred-
its, and 
(B) to apply for, submit eligibility docu-
ments for, enroll in, and manage the use of 
such benefits at once through the convenience 
of their device if individuals or their households 
are eligible for 1 or more of such benefits, 
(5) to receive a basic smart phone, tablet, or 
computer, along with a subsidized internet Wi-Fi ac-
cess plan, if such individuals do not own a smart 
phone, tablet, or computer, 
(6) to obtain the access and information de-
scribed in paragraph (4) with assistance at libraries, 
government offices, or nonprofit agencies if such in-
dividuals are uncomfortable using internet tech-
nology themselves, 
(7) to obtain access to the information de-
scribed in paragraph (4), with the assistance of gov-
ernment or nonprofit employees, AmeriCorps na-
tional service participants, or Senior Corps members, 
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to receive home visits if such individuals are elderly 
or disabled, 
(8) to access health care information that speci-
fies medical benefits, and any out-of-pocket costs, 
for each of the health plans for which such individ-
uals may be eligible, and to empower them to easily 
select the plan that works best for them, 
(9) enable such individuals to file directly (and 
without expending funds to obtain third-party tax 
filing services) to obtain Federal tax credits and re-
funds, and in States and localities with their own 
supplemental tax credits, to simultaneously file for 
those, 
(10) to deposit cash in the account that is set 
aside for education, job training, starting a business, 
or buying a home and that would be nontaxable, 
(11) to easily access and monitor, in 1 central 
online account— 
(A) to be able to check the status, 
amounts, and recertification deadlines for some 
or all their benefits and savings, and 
(B) to pay all bills online, saving high 
check cashing fees and enormous amounts of 
time, 
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(12) to budget their resources by using real- 
time cash flow data and long-term financial planning 
data, including calculating how much they would 
lose in interest on credit cards versus how much 
they would gain in interest by saving more, 
(13) to access calendar and scheduling func-
tions that enable them to keep track of all job 
search, work, family, and school obligations, as well 
as any social service filing or appointment dates, 
(14) to be protected by security and privacy 
systems so that only such individuals, and not the 
government, nonprofit, or banking partners would be 
able to see or track private financial and appoint-
ment information, and 
(15) notwithstanding other provisions of law, to 
allow program applicants to easily and clearly au-
thorize their sharing of personal and financial infor-
mation with multiple government agencies, solely for 
the purpose of those government agencies enabling 
those to apply for and utilize government benefits. 
(b) FISCAL YEARS.—Pilot projects authorized by 
subsection (a) shall be carried out for a 1-year period in 
each of the fiscal years 2020 through 2025. 
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SEC. 5. HOPE ACTION PLANS PILOT PROJECTS. 
(a) PILOT PROJECTS AUTHORIZED.—The Secretaries 
shall allow eligible entities that apply to do so—based on 
an application to be created by the Secretaries—to carry 
out HOPE Action Plans Pilot Projects to enable target 
populations of individuals to partner with government and 
nonprofit organizations by entering into voluntary agree-
ments to carry out long-term HOPE action plans that— 
(1) specify exactly how the parties to such plans 
will help such individuals and their families earn, 
learn, and save better in order to ensure greater eco-
nomic opportunity for themselves and their children 
by working together in a long-term, positive relation-
ship for the purpose of ensuring upward mobility, 
(2) could empower such individuals and their 
families to better organize their time and focus their 
activities on productive endeavors while providing 
them extra resources to do so, 
(3) could be short-term, over just a year or 2, 
and aimed at helping families achieve very basic 
goals, such as avoiding homelessness and hunger, 
(4) could be long-term with far more ambitious 
goals for upward mobility, and 
(5) would require that participating individuals 
and families, government entities, and nonprofit 
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