(d) ESTABLISHMENT OF LOAN LIMITS.—For a coun-
ty designated under this section, the Secretary may in-
crease the maximum dollar amount limitations on the 
principal obligation of mortgages otherwise determined 
under section 203(b)(2) of the National Housing Act to 
such levels as are appropriate, taking into consideration 
the criteria established for such designation, but not to 
exceed the dollar amount limitations for the abutting met-
ropolitan statistical area meeting the requirements of sub-
section (c)(1) that has the lowest such dollar amount limi-
tations. 
(e) EFFECTIVE DATE AND TERM OF DESIGNATION 
OF NEW COUNTYWIDE LOAN LIMITS.—A designation of 
a county under this section, and the maximum dollar 
amount limitations for such county pursuant to subsection 
(d), shall— 
(1) take effect upon the expiration of the 60- 
day period that begins upon the final determination 
for the county referred to in subsection (b)(2); and 
(2) remain in effect until the end of the cal-
endar year in which such designation takes effect. 
(f) LOAN LIMITS FOR SUCCEEDING YEARS.—With 
respect to each calendar year immediately following the 
calendar year in which a county is designated under this 
subsection, the Secretary may, notwithstanding any other
provision of law, continue or adjust the dollar amount limi-
tations in effect pursuant to this section for such des-
ignated county for such preceding year, as appropriate, 
consistent with the criteria under this section. 
SEC. 
22. 
IDENTIFICATION 
REQUIREMENTS 
FOR 
BOR-
ROWERS. 
Section 203 of the National Housing Act (12 U.S.C. 
1709), as amended by the preceding provisions of this Act, 
is further amended by adding at the end the following new 
subsection: 
‘‘(z) IDENTIFICATION REQUIREMENTS
FOR BOR-
ROWERS.—No mortgage on a 1- to 4-family dwelling may 
be insured under this title unless the mortgagor under 
such mortgage— 
‘‘(1) provides a valid Social Security Number; 
and 
‘‘(2) is (A) a United States citizen, (B) a lawful 
permanent resident alien, or (C) a non-permanent 
resident alien who legally resides in and is author-
ized to work in the United States. 
The Secretary shall establish policies under which mortga-
gees verify compliance with the requirements under this 
subsection.’’.
SEC. 23. REQUIRED CERTIFICATIONS. 
Section 203 of the National Housing Act (12 U.S.C. 
1709), as amended by the preceding provisions of this Act, 
is further amended by adding at the end the following new 
subsection: 
‘‘(z) REQUIRED CERTIFICATIONS.—Notwithstanding 
any other provision of law, the Secretary may not insure 
any mortgage secured by a one- to four-family dwelling 
unless the mortgagor under such mortgage certifies, under 
penalty of perjury, that the mortgagor has not been con-
victed of a sex offense against a minor (as such terms are 
defined in section 111 of the Sex Offender Registration 
and Notification Act (42 U.S.C. 16911)).’’. 
SEC. 24. PROHIBITION ON USE OF FUNDS FOR CERTAIN 
FEDERAL EMPLOYEES. 
None of the funds authorized under this Act or any 
amendment made by this Act may be used to pay the sal-
ary of any individual engaged in activities related to title 
II of the National Housing Act who has been officially 
disciplined for violations of subpart G of the Standards 
of Ethical Conduct for Employees of the Executive Branch 
for viewing, downloading, or exchanging pornography, in-
cluding child pornography, on a Federal Government com-
puter or while performing official Federal Government du-
ties.