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S. 1452 (es) To modernize the requirements under the National Manufactured Housing [Engrossed in Senate] ...


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                In the House of Representatives, U. S.,

                                                      October 24, 2000.

    Resolved, That the bill from the Senate (S. 1452) entitled ``An Act to 
modernize the requirements under the National Manufactured Housing Construction 
and Safety Standards Act of 1974 and to establish a balanced consensus process 
for the development, revision, and interpretation of Federal construction and 
safety standards for manufactured homes'', do pass with the following

                              AMENDMENTS:

            Strike out all after the enacting clause and insert:

SEC. 1. SHORT TITLE AND TABLE OF CONTENTS.

    (a) Short Title.--This Act may be cited as the ``American 
Homeownership and Economic Opportunity Act of 2000''.
    (b) Table of Contents.--The table of contents for this Act is as 
follows:

Sec. 1. Short title and table of contents.
Sec. 2. Findings and purpose.

         TITLE I--REMOVAL OF BARRIERS TO HOUSING AFFORDABILITY

Sec. 101. Short title.
Sec. 102. Grants for regulatory barrier removal strategies.
Sec. 103. Regulatory barriers clearinghouse.

              TITLE II--HOMEOWNERSHIP FOR WORKING FAMILIES

Sec. 201. Reduced downpayment requirements for loans for teachers, 
                            public safety officers, and other uniformed 
                            municipal employees.
Sec. 202. Home equity conversion mortgages.
Sec. 203. Law enforcement officer homeownership pilot program.
Sec. 204. Assistance for self-help housing providers.

               TITLE III--SECTION 8 HOMEOWNERSHIP OPTION

Sec. 301. Downpayment assistance.
Sec. 302. Pilot program for homeownership assistance for disabled 
                            families.
Sec. 303. Funding for pilot programs.

   TITLE IV--PRIVATE MORTGAGE INSURANCE CANCELLATION AND TERMINATION

Sec. 401. Short title.
Sec. 402. Changes in amortization schedule.
Sec. 403. Deletion of ambiguous references to residential mortgages.
Sec. 404. Cancellation rights after cancellation date.
Sec. 405. Clarification of cancellation and termination issues and 
                            lender paid mortgage insurance disclosure 
                            requirements.
Sec. 406. Definitions.

                 TITLE V--NATIVE AMERICAN HOMEOWNERSHIP

                  Subtitle A--Native American Housing

Sec. 501. Lands title report commission.
Sec. 502. Loan guarantees.
Sec. 503. Native American housing assistance.

                  Subtitle B--Native Hawaiian Housing

Sec. 511. Short title.
Sec. 512. Findings.
Sec. 513. Housing assistance.
Sec. 514. Loan guarantees.

               TITLE VI--MANUFACTURED HOUSING IMPROVEMENT

Sec. 601. Short title; references.
Sec. 602. Findings and purposes.
Sec. 603. Definitions.
Sec. 604. Federal manufactured home construction and safety standards.
Sec. 605. Abolishment of National Manufactured Home Advisory Council; 
                            manufactured home installation.
Sec. 606. Public information.
Sec. 607. Research, testing, development, and training.
Sec. 608. Prohibited acts.
Sec. 609. Fees.
Sec. 610. Dispute resolution.
Sec. 611. Elimination of annual reporting requirement.
Sec. 612. Effective date.
Sec. 613. Savings provisions.

                TITLE VII--RURAL HOUSING HOMEOWNERSHIP.

Sec. 701. Guarantees for refinancing of rural housing loans.
Sec. 702. Promissory note requirement under housing repair loan 
                            program.
Sec. 703. Limited partnership eligibility for farm labor housing loans.
Sec. 704. Project accounting records and practices.
Sec. 705. Definition of rural area.
Sec. 706. Operating assistance for migrant farmworkers projects.
Sec. 707. Multifamily rental housing loan guarantee program.
Sec. 708. Enforcement provisions.
Sec. 709. Amendments to title 18 of United States Code.

         TITLE VIII--HOUSING FOR ELDERLY AND DISABLED FAMILIES

Sec. 801. Short title.
Sec. 802. Regulations.
Sec. 803. Effective date.

  Subtitle A--Refinancing for Section 202 Supportive Housing for the 
                                Elderly

Sec. 811. Prepayment and refinancing.

Subtitle B--Authorization of Appropriations for Supportive Housing for 
               the Elderly and Persons With Disabilities

Sec. 821. Supportive housing for elderly persons.
Sec. 822. Supportive housing for persons with disabilities.
Sec. 823. Service coordinators and congregate services for elderly and 
                            disabled housing.

Subtitle C--Expanding Housing Opportunities for the Elderly and Persons 
                           With Disabilities

                    Part 1--Housing for the Elderly

Sec. 831. Eligibility of for-profit limited partnerships.
Sec. 832. Mixed funding sources.
Sec. 833. Authority to acquire structures.
Sec. 834. Use of project reserves.
Sec. 835. Commercial activities.

             Part 2--Housing for Persons With Disabilities

Sec. 841. Eligibility of for-profit limited partnerships.
Sec. 842. Mixed funding sources.
Sec. 843. Tenant-based assistance.
Sec. 844. Use of project reserves.
Sec. 845. Commercial activities.

                        Part 3--Other Provisions

Sec. 851. Service coordinators.

          Subtitle D--Preservation of Affordable Housing Stock

Sec. 861. Section 236 assistance.

       Subtitle E--Mortgage Insurance for Health Care Facilities

Sec. 871. Rehabilitation of existing hospitals, nursing homes, and 
                            other facilities.
Sec. 872. New integrated service facilities.
Sec. 873. Hospitals and hospital-based integrated service facilities.

               TITLE IX--OTHER RELATED HOUSING PROVISIONS

Sec. 901. Extension of loan term for manufactured home lots.
Sec. 902. Use of section 8 vouchers for opt-outs.
Sec. 903. Maximum payment standard for enhanced vouchers.
Sec. 904. Use of section 8 assistance by ``grand-families'' to rent 
                            dwelling units in assisted projects.

              TITLE X--BANKING AND HOUSING AGENCY REPORTS

Sec. 1001. Short title.
Sec. 1002. Amendments to the Federal Reserve Act.
Sec. 1003. Preservation of certain reporting requirements.
Sec. 1004. Coordination of reporting requirements.
Sec. 1005. Elimination of certain reporting requirements.

                       TITLE XI--NUMISMATIC COINS

Sec. 1101. Short title.
Sec. 1102. Clarification of Mint's authority.
Sec. 1103. Additional report requirement.

                 TITLE XII--FINANCIAL REGULATORY RELIEF

Sec. 1200. Short title.

    Subtitle A--Improving Monetary Policy and Financial Institution 
                          Management Practices

Sec. 1201. Repeal of savings association liquidity provision.
Sec. 1202. Noncontrolling investments by savings association holding 
                            companies.
Sec. 1203. Repeal of deposit broker notification and recordkeeping 
                            requirement.
Sec. 1204. Expedited procedures for certain reorganizations.
Sec. 1205. National bank directors.
Sec. 1206. Amendment to National Bank Consolidation and Merger Act.
Sec. 1207. Loans on or purchases by institutions of their own stock; 
                            affiliations.
Sec. 1208. Purchased mortgage servicing rights.

          Subtitle B--Streamlining Activities of Institutions

Sec. 1211. Call report simplification.

                Subtitle C--Streamlining Agency Actions

Sec. 1221. Elimination of duplicative disclosure of fair market value 
                            of assets and liabilities.
Sec. 1222. Payment of interest in receiverships with surplus funds.
Sec. 1223. Repeal of reporting requirement on differences in accounting 
                            standards.
Sec. 1224. Agency review of competitive factors in Bank Merger Act 
                            filings.

                       Subtitle D--Miscellaneous

Sec. 1231. Federal Reserve Board buildings.
Sec. 1232. Positions of Board of Governors of Federal Reserve System on 
                            the Executive Schedule.
Sec. 1233. Extension of time.

                   Subtitle E--Technical Corrections

Sec. 1241. Technical correction relating to deposit insurance funds.
Sec. 1242. Rules for continuation of deposit insurance for member banks 
                            converting charters.
Sec. 1243. Amendments to the Revised Statutes of the United States.
Sec. 1244. Conforming change to the International Banking Act of 1978.

SEC. 2. FINDINGS AND PURPOSE.

    (a) Findings.--The Congress finds that--
            (1) the priorities of our Nation should include expanding 
        homeownership opportunities by providing access to affordable 
        housing that is safe, clean, and healthy;
            (2) our Nation has an abundance of conventional capital 
        sources available for homeownership financing;
            (3) experience with local homeownership programs has shown 
        that if flexible capital sources are available, communities 
        possess ample will and creativity to provide opportunities 
        uniquely designed to assist their citizens in realizing the 
        American dream of homeownership; and
            (4) each consumer should be afforded every reasonable 
        opportunity to access mortgage credit, to obtain the lowest 
        cost mortgages for which the consumer can qualify, to know the 
        true cost of the mortgage, to be free of regulatory burdens, 
        and to know what factors underlie a lender's decision regarding 
        the consumer's mortgage.
    (b) Purpose.--It is the purpose of this Act--
            (1) to encourage and facilitate homeownership by families 
        in the United States who are not otherwise able to afford 
        homeownership; and
            (2) to expand homeownership through policies that--
                    (A) promote the ability of the private sector to 
                produce affordable housing without excessive government 
                regulation;
                    (B) encourage tax incentives, such as the mortgage 
                interest deduction, at all levels of government; and
                    (C) facilitate the availability of flexible capital 
                for homeownership opportunities and provide local 
                governments with increased flexibility under existing 
                Federal programs to facilitate homeownership.

         TITLE I--REMOVAL OF BARRIERS TO HOUSING AFFORDABILITY

SEC. 101. SHORT TITLE.

    This title may be cited as the ``Housing Affordability Barrier 
Removal Act of 2000''.

SEC. 102. GRANTS FOR REGULATORY BARRIER REMOVAL STRATEGIES.

    (a) Authorization of Appropriations.--Subsection (a) of section 
1204 of the Housing and Community Development Act of 1992 (42 U.S.C. 
12705c(a)) is amended to read as follows:
    ``(a) Funding.--There is authorized to be appropriated for grants 
under subsections (b) and (c) such sums as may be necessary for each of 
fiscal years 2001, 2002, 2003, 2004, and 2005.''.
    (b) Consolidation of State and Local Grants.--Subsection (b) of 
section 1204 of the Housing and Community Development Act of 1992 (42 
U.S.C. 12705c(b)) is amended--
            (1) in the subsection heading, by striking ``State Grants'' 
        and inserting ``Grant Authority'';
            (2) in the matter preceding paragraph (1), by inserting 
        after ``States'' the following: ``and units of general local 
        government (including consortia of such governments)'';
            (3) in paragraph (3), by striking ``a State program to 
        reduce State and local'' and inserting ``State, local, or 
        regional programs to reduce'';
            (4) in paragraph (4), by inserting ``or local'' after 
        ``State''; and
            (5) in paragraph (5), by striking ``State''.
    (c) Repeal of Local Grants Provision.--Section 1204 of the Housing 
and Community Development Act of 1992 (42 U.S.C. 12705c) is amended by 
striking subsection (c).
    (d) Application and Selection.--The last sentence of section 
1204(e) of the Housing and Community Development Act of 1992 (42 U.S.C. 
12705c(e)) is amended--
            (1) by striking ``and for the selection of units of general 
        local government to receive grants under subsection (f)(2)''; 
        and
            (2) by inserting before the period at the end the 
        following: ``and such criteria shall require that grant amounts 

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