{
  "legislationId": "119_HR_8092",
  "lastUpdate": "2026-04-13T14:49:16.489Z",
  "history": [
    {
      "timestamp": "2026-04-13T14:49:16.489Z",
      "source_url": "https://www.congress.gov/119/bills/hr8092/BILLS-119hr8092ih.htm",
      "model": "gemini-flash-lite-latest",
      "prompt_sent": "\nROLE: Fact Checker.\nZADANIE: Porównaj SOURCE (oryginał) i SUMMARY (streszczenie przygotowane przez inne AI).\n\nTwoim celem jest wykrycie \"ZMYŚLONYCH KONKRETÓW\" (Fabricated Entities) w SUMMARY.\n\nSOURCE:\n[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.R. 8092 Introduced in House (IH)] <DOC> 119th CONGRESS 2d Session H. R. 8092 To reauthorize the Native American Housing Assistance and Self- Determination Act of 1996, and for other purposes. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES March 26, 2026 Mr. Downing (for himself, Ms. Bynum, Mr. Cole, Mr. Lucas, Mr. Huizenga, Mrs. Wagner, Mr. Meuser, Mr. Haridopolos, Mr. Lawler, Ms. De La Cruz, Mr. Barr, Mr. Steil, Mr. Davidson, Mr. Stutzman, Mr. Loudermilk, Mr. Zinke, Mr. Bacon, Mr. Fleischmann, Mr. Johnson of South Dakota, Mrs. Fedorchak, Mr. Simpson, Mr. Liccardo, Ms. Moore of Wisconsin, Ms. Davids of Kansas, Ms. Craig, Mr. Davis of North Carolina, Mr. Vasquez, Mr. Larsen of Washington, Mr. Stanton, Mr. Keating, Ms. Leger Fernandez, Ms. Pingree, Ms. Stansbury, Mr. Bentz, and Mr. Nunn of Iowa) introduced the following bill; which was referred to the Committee on Financial Services _______________________________________________________________________ A BILL To reauthorize the Native American Housing Assistance and Self- Determination Act of 1996, and for other purposes. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. SHORT TITLE; TABLE OF CONTENTS. (a) Short Title.--This Act may be cited as the ``Native American Housing Assistance and Self-Determination Modernization Act of 2026''. (b) Table of Contents.--The table of contents for this Act is as follows: Sec. 1. Short title; Table of contents. Sec. 2. Consolidation of environmental review requirements. Sec. 3. Authorization of appropriations. Sec. 4. Student housing assistance. Sec. 5. Clarification of application of rent rule only to units owned or operated by Indian Tribe or tribally designated housing entity. Sec. 6. Deadline for action on request for approval regarding exceeding TDC maximum cost for project. Sec. 7. Homeownership or lease-to-own low-income requirement and income targeting. Sec. 8. Lease requirements and tenant selection. Sec. 9. Statutory authority to suspend grant funds in emergencies. Sec. 10. Reports to Congress. Sec. 11. 99-year leasehold interest in trust or restricted lands for housing purposes. Sec. 12. Reauthorization of housing assistance for Native Hawaiians. Sec. 13. Community-based development organizations and special activities by Indian Tribes. Sec. 14. Housing counseling certification waiver. Sec. 15. Eligibility for housing counseling grants. Sec. 16. Section 184 Indian home loan guarantee program. Sec. 17. Loan guarantees for Native Hawaiian housing. Sec. 18. Rental assistance for homeless or at-risk Indian veterans. Sec. 19. Continuum of care. Sec. 20. Streamlining reporting requirements. Sec. 21. Application of Build America, Buy America requirements. SEC. 2. CONSOLIDATION OF ENVIRONMENTAL REVIEW REQUIREMENTS. Section 105 of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4115) is amended-- (1) in subsection (c)(2) by adding after ``other officer of the Tribe'' the following: ``, or a tribally designated housing entity official designated by the Tribe,''; (2) in subsection (d)-- (A) by redesignating paragraphs (1) through (4) as subparagraphs (A) through (D), respectively; (B) by striking ``The Secretary may'' and inserting the following: ``(1) In general.--The Secretary shall''; and (C) by adding at the end the following: ``(2) Waiver request.--The Secretary shall act upon a waiver request submitted under this subsection within 60 days after receipt of such request.''; and (3) by adding at the end the following new subsections: ``(e) Consolidation of Environmental Review Requirements.--For assistance provided under this Act, including under title VIII of this Act, and grants to Indian Tribes issued under title I of the Housing and Community Development Act of 1974 (42 U.S.C. 5301 et seq.), the Indian Tribe or the Director of the Department of Hawaiian Home Lands shall be deemed to be in compliance with the environmental review requirements under this section or section 806 of this Act, title I of the Housing and Community Development Act of 1974, and the National Environmental Policy Act of 1969 (42 U.S.C. 4321 et seq.), with regard to such project and to discharge any applicable environmental review requirements that might apply to Federal agencies with respect to the use of additional Federal funding sources for that project, if-- ``(1) a recipient is using 1 or more sources of Federal funds in addition to grant amounts under this Act or in addition to a grant made to an Indian Tribe under title I of the Housing and Community Development Act of 1974; ``(2) such other sources of Federal funds do not exceed 49 percent of the Federal share of the project cost; and ``(3) the recipient's Indian Tribe or the Director of the Department of Hawaiian Home Lands has assumed all of the responsibilities for environmental review, decision-making, and action pursuant to this section, section 806 of this Act, or title I of the Housing and Community Development Act of 1974. ``(f) Environmental Streamlining.--For activities assisted under this Act, including title VIII of this Act, or assisted with a grant to an Indian Tribe under title I of the Housing and Community Development Act (42 U.S.C. 5301 et seq.), each of the following apply: ``(1) General exemption.--Notwithstanding any other provision of law, activities are exempt from any environmental review requirements where-- ``(A) similar statutory exemptions apply to comparable activities of other Federal agencies; ``(B) the activity is an affordable housing activity having a total cost of not more than $250,000; ``(C) the activity is acquisition of property, including long-term equipment, funded using non-Federal sources; or ``(D) the activity involves the rehabilitation of a structure and-- ``(i) the cost of the rehabilitation is less than fifty percent of the market value of the structure before rehabilitation; and ``(ii) the rehabilitation involves no ground disturbance, footprint change, or historic structure. ``(2) Radon exemption.--Notwithstanding any other provision of law, the Secretary may not require recipients (including the Director under title VIII of this Act) and Indian Tribes to consider or test for radon in the environmental review. Nothing in this provision shall be construed to limit the authority of a recipient (including the Director under title VIII of this Act) and an Indian Tribe to consider, test for, and mitigate radon. ``(3) Lead testing.-- ``(A) Testing.--Lead paint testing of target housing that is in a remote area, and that is being rehabilitated, renovated, repaired, or painted in a manner that will repair or disturb building components that are painted or coated, must be conducted via-- ``(i) paint chip testing, lead-based paint inspection, visual assessment for deteriorated paint, or a lead risk assessment for lead-based paint hazards, as applicable in accordance with section 1012 of the Residential Lead-Based Paint Hazard Reduction Act of 1992; or ``(ii) visual assessment for deteriorated paint and use of EPA-recognized lead test kits in accordance with sections 402 or 404, as applicable, of the Toxic Substances Control Act (15 U.S.C. 2682, 2684) on each building component that is painted or coated and is to be disturbed. ``(B) Definitions.--In this paragraph: ``(i) Remote area.--The term `Remote Area' means as the area of a United States Postal Service ZIP Code that has a level 1 Frontier and Remote Area code as most recently posted on the website of the Department of Agriculture. ``(ii) Target housing.--The term `Target Housing' has the meaning given the term in section 1004(27) of the Residential Lead-Based Paint Hazard Reduction Act of 1992 (42 U.S.C. 4851b(27)) assisted under the Native American Housing Assistance and Self-Determination Act of 1996. ``(4) Siting of hud projects near explosive and flammable hazards.-- ``(A) In general.--Recipients carrying out activities under this Act (including the Director under title VIII of this Act) or Indian Tribe carrying out activities under title I of the Housing and Community Development Act shall be exempt from the Secretary's acceptable separation distance requirements and mitigation for residential tanks when the tank-- ``(i) has a capacity of 1,320 gallons or less; ``(ii) is intended to contain common liquid fuels such as gasoline, fuel oil, kerosene, diesel, liquified petroleum gas (propane), or crude oil; ``(iii) is sited on land or property that contains a one- to four-family dwelling; ``(iv) is intended to be used solely by residents of such dwelling; and ``(v) is intended to be used by residents of such dwelling exclusively for non- commercial, non-industrial purposes. ``(B) Rule of construction.--Nothing in this provision shall be construed to limit the authority of a recipient (including the Director under title VIII of this Act) or an Indian Tribe to consider acceptable separation distance or implement mitigation measures. ``(C) Application.--The Secretary's acceptable separation distance requirements between a residential structure assisted with funds under this Act (or assisted with funds under a grant to an Indian Tribe under title 1 of the Housing and Community Development Act) and an above-ground storage tank used to store hazardous substances as defined in subpart C of part 51 of title 24, Code of Federal Regulations, or successor regulation, including mitigation measures, do not apply if the Indian Tribe or recipient (including the Director under title VIII of this Act) determines that-- ``(i) inapplicability of the requirements is necessary to address the housing needs of the Indian Tribe or recipient (including the Director under title VIII of this Act); ``(ii) the use of an alternative standard, or the absence of a standard, does not present an unacceptable risk to the health or safety of residents; and ``(iii) the Indian Tribe or recipient (including the Director under title VIII of this Act) has provided notice and an opportunity for comment to residents of the affected area regarding the inapplicability of the requirements, and has developed a safety and response plan. ``(5) Streamlining wetland requirements.--The Secretary may not apply additional requirements involving protection of wetlands in instances where an affected wetland requires a U.S. Army Corps of Engineers General, Regional, or individual permit and the Indian Tribe or recipient (including the Director under title VIII of this Act) complies with permit conditions.''. SEC. 3. AUTHORIZATION OF APPROPRIATIONS. Section 108 of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4117) is amended, in the first sentence, by striking ``2009 through 2013'' and inserting ``2026 through 2032''. SEC. 4. STUDENT HOUSING ASSISTANCE. Section 202(3) of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4132(3)) is amended by inserting ``including college housing assistance,'' after ``self-sufficiency and other services,''. SEC. 5. CLARIFICATION OF APPLICATION OF RENT RULE ONLY TO UNITS OWNED OR OPERATED BY INDIAN TRIBE OR TRIBALLY DESIGNATED HOUSING ENTITY. Section 203(a) of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4133(a)) is amended-- (1) in paragraph (2), by inserting ``owned or operated by a recipient and'' after ``residing in a dwelling unit''; and (2) by adding at the end the following: ``(3) Self-determination.--Notwithstanding paragraph (2), recipients may establish their own policies governing maximum and minimum rents and homebuyer payments for dwelling units assisted under this Act, provided such policies are written and made publicly available.''. SEC. 6. DEADLINE FOR ACTION ON REQUEST FOR APPROVAL REGARDING EXCEEDING TDC MAXIMUM COST FOR PROJECT. (a) Approval.--Section 103 of the Native American Housing Assistance and Self-Determination Act of 1996 (25 U.S.C. 4113) is amended by adding at the end the following new subsection: ``(f) Deadline for Action on Request To Exceed TDC Maximum.-- ``(1) Deadline.--A request for approval by the Secretary to exceed by more than 10 percent the total development cost maximum cost for a project shall be approved or denied during the 60-day period that begins on the date that the Secretary receives the request. ``(2) No response by secretary.--If the Secretary does not respond to a request in the 60-day period described in paragraph (1), the request shall be deemed approved.''. (b) Definition.--Section 4 of the Native American Housing Assistance and Self-Determination Act of 1996 (25 U.S.C. 4103) is amended-- (1) by redesignating paragraph (22) as paragraph (23); and (2) by inserting after paragraph (21) the following new paragraph: ``(22) Total development cost.--The term `total development cost' means, with respect to a housing project, the sum of all costs for the project, including all undertakings necessary for administration, planning, site acquisition, demolition, construction or equipment and financing (including payment of carrying charges), and for otherwise carrying out the development of the project, excluding off-site water and sewer. The total development cost amounts shall be based on a moderately designed house and determined by averaging the current construction costs as listed in not less than two nationally recognized residential construction cost indices.''. SEC. 7. HOMEOWNERSHIP OR LEASE-TO-OWN LOW-INCOME REQUIREMENT AND INCOME TARGETING. Section 205 of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4135) is amended-- (1) in subsection (a)(1)-- (A) in subparagraph (C), by striking ``and'' at the end; and (B) by adding at the end the following: ``(E) notwithstanding any other provision of this paragraph, in the case of rental housing that is made available to a current rental family for conversion to a homebuyer or a lease-purchase unit-- ``(i) that the current rental family can purchase through a contract of sale, lease- purchase agreement, or any other sales agreement; and ``(ii) the housing is made available for purchase only by the current rental family, if the rental family was a low-income family at the time of their initial occupancy of such unit; and''; and (2) in subsection (c)-- (A) by striking ``The provisions'' and inserting the following: ``(1) In general.--The provisions''; and (B) by adding at the end the following: ``(2) Applicability to improvements.--The provisions of subsection (a)(2) regarding binding commitments for the remaining useful life of property shall not apply to improvements of privately owned homes if the cost of the improvements do not exceed 10 percent of the maximum total development cost for the home.''. SEC. 8. LEASE REQUIREMENTS AND TENANT SELECTION. Section 207 of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4137) is amended by adding at the end the following: ``(c) Notice of Termination.--The notice period described in subsection (a)(3) shall apply to projects and programs funded in part by amounts authorized under this Act.''. SEC. 9. STATUTORY AUTHORITY TO SUSPEND GRANT FUNDS IN EMERGENCIES. Section 401(a)(4) of the Native American Housing Assistance and Self-Determination Act of 1996 (25 U.S.C. 4161(a)(4)) is amended-- (1) in subparagraph (A), by striking ``may take an action described in paragraph (1)(C)'' and inserting ``may immediately take an action described in paragraph (1)(C)''; and (2) by striking subparagraph (B) and inserting the following: ``(B) Procedural requirements.-- ``(i) In general.--If the Secretary takes an action described in subparagraph (A), the Secretary shall provide notice to the recipient at the time that the Secretary takes that action. ``(ii) Notice requirements.--The notice under clause (i) shall inform the recipient that the recipient may request a hearing by not later than 30 days after the date on which the Secretary provides the notice. ``(iii) Hearing requirements.--A hearing requested under clause (ii) shall be conducted-- ``(I) in accordance with subpart A of part 26 of title 24, Code of Federal Regulations (or successor regulations); and ``(II) to the maximum extent practicable, on an expedited basis. ``(iv) Failure to conduct a hearing.--If a hearing requested under clause (ii) is not completed by the date that is 180 days after the date on which the recipient requests the hearing, the action of the Secretary to limit the availability of payments shall no longer be effective.''. SEC. 10. REPORTS TO CONGRESS. Section 407 of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4167) is amended-- (1) in subsection (a), by striking ``Congress'' and inserting ``Committee on Indian Affairs and the Committee on Banking, Housing, and Urban Affairs of the Senate and the Committee on Financial Services of the House of Representatives''; and (2) by adding at the end the following: ``(c) Public Availability.--The report described in subsection (a) shall be made publicly available, including to recipients.''. SEC. 11. 99-YEAR LEASEHOLD INTEREST IN TRUST OR RESTRICTED LANDS FOR HOUSING PURPOSES. Section 702 of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4211) is amended-- (1) in the section heading, by striking ``50-year'' and inserting ``99-year''; (2) in subsection (b), by striking ``50 years'' and inserting ``99 years''; and (3) in subsection (c)(2), by striking ``50 years'' and inserting ``99 years''. SEC. 12. REAUTHORIZATION OF HOUSING ASSISTANCE FOR NATIVE HAWAIIANS. Section 824 of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4243) is amended by striking ``for each of fiscal years 2001, 2002, 2003, 2004, and 2005'' and inserting ``each of fiscal years 2026 through 2032.''. SEC. 13. COMMUNITY-BASED DEVELOPMENT ORGANIZATIONS AND SPECIAL ACTIVITIES BY INDIAN TRIBES. Section 105 of the Housing and Community Development Act of 1974 (42 U.S.C. 5305) is amended by adding at the end the following: ``(i) Indian Tribes, Tribally Designated Housing Entities, and Tribal Organizations as Community-Based Development Organizations.-- ``(1) Definitions.--In this subsection: ``(A) Tribally designated housing entity.--The term `tribally designated housing entity' has the meaning given the term in section 4 of the Native American Housing Assistance and Self-Determination Act of 1996 (25 U.S.C. 4103). ``(B) Tribal organization.--The term `Tribal organization' has the meaning given the term in section 4 of the Indian Self-Determination and Education Assistance Act (25 U.S.C. 5304). ``(2) Qualification.--An Indian Tribe, a tribally designated housing entity, or a Tribal organization shall qualify as a community-based development organization for purposes of carrying out new housing construction under this subsection for a grant made under section 106(a)(1). ``(j) Special Activities by Indian Tribes.--An Indian Tribe (or a Tribal organization or Tribally designated housing entity designated by such Indian Tribe) receiving a grant under section 106(a)(1) shall be authorized to directly carry out activities described in subsection (a)(15).''. SEC. 14. HOUSING COUNSELING CERTIFICATION WAIVER. Subtitle A of title II of the Native American Housing Assistance and Self-Determination Act of 1996 (25 U.S.C. 4131 et seq.) is amended by adding at the end the following new section: ``SEC. 211. HOUSING COUNSELING CERTIFICATION WAIVER. ``Notwithstanding section 106(g)(1) of the Housing and Urban Development Act of 1968 (12 U.S.C. 1701x(g)(1)), Indian Tribes, Tribal organizations, tribally designated housing entities and the Department of Hawaiian Homelands carrying out homeownership counseling or rental housing counseling under section 105(a)(20) of the Housing and Community Development Act of 1974 (42 U.S.C. 5305(a)(20)) and sections 202(3) and 810(b)(2)(A) of the Native American Housing and Self- Determination Act of 1996 (25 U.S.C. 4132(3), 4229(b)(2)(A)), may not be required to comply with any housing counseling certification requirements established by the Secretary. Nothing in this provision shall be construed as limiting such recipients' ability to obtain a housing counseling certification from the Secretary.''. SEC. 15. ELIGIBILITY FOR HOUSING COUNSELING GRANTS. Section 106(a)(4) of the Housing and Urban Development Act of 1968 (12 U.S.C. 1701x(a)(4)) is amended-- (1) in subparagraph (A)-- (A) by striking ``and'' and inserting a comma; and (B) by inserting before the period at the end the following: ``, Indian Tribes, and tribally designated housing entities''; (2) in subparagraph (B), by inserting ``, Indian Tribes, and tribally designated housing entities'' after ``organizations)''; (3) by redesignating subparagraph (F) as subparagraph (G); and (4) by inserting after subparagraph (E) the following: ``(F) Definitions.--In this paragraph, the terms `Indian Tribe' and `tribally designated housing entity' have the meanings given those terms in section 4 of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4103).''. SEC. 16. SECTION 184 INDIAN HOME LOAN GUARANTEE PROGRAM. (a) In General.--Section 184 of the Housing and Community Development Act of 1992 (12 U.S.C. 1715z-13a) is amended-- (1) by amending subsection (a) to read as follows: ``(a) Authority.--To provide access to sources of private financing to Indian families, Indian housing authorities, and Indian Tribes, who otherwise could not acquire housing financing because of the unique legal status of Indian lands and the unique nature of Tribal economies, and to expand homeownership opportunities to Indian families, tribally designated housing entities, Indian housing authorities and Indian Tribes on fee simple lands, the Secretary may guarantee not to exceed 100 percent of the unpaid principal and interest due on any loan eligible under subsection (b) made to an Indian family, tribally designated housing entities, Indian housing authority, or Indian Tribe on trust land and fee simple land.''; (2) in subsection (b)-- (A) by amending paragraph (2) to read as follows: ``(2) Eligible housing.--The loan shall be used to construct, acquire, refinance, or rehabilitate 1- to 4-family dwellings that are standard housing.''; (B) in paragraph (4)-- (i) by redesignating subparagraphs (A) through (D) as clauses (i) through (iv), respectively, and adjusting the margins accordingly; (ii) by striking ``The loan'' and inserting the following: ``(A) In general.--The loan''; (iii) in subparagraph (A), as so redesignated, by adding at the end the following: ``(v) Any entity certified as a community development financial institution by the Community Development Financial Institutions Fund established under section 104(a) of the Riegle Community Development and Regulatory Improvement Act of 1994 (12 U.S.C. 4703(a)).''; and (iv) by adding at the end the following: ``(B) Direct guarantee process.-- ``(i) Authorization.--The Secretary may authorize qualifying lenders to participate in a direct guarantee process for approving loans under this section. ``(ii) Indemnification.-- ``(I) In general.--If the Secretary determines that a mortgage guaranteed through a direct guarantee process under this subparagraph was not originated in accordance with the requirements established by the Secretary, the Secretary may require the lender approved under this subparagraph to indemnify the Secretary for the loss, irrespective of whether the violation caused the mortgage default. ``(II) Fraud or misrepresentation.--If fraud or misrepresentation is involved in a direct guarantee process under this subparagraph, the Secretary may require the originating lender approved under this subparagraph to indemnify the Secretary for the loss regardless of when an insurance claim is paid. ``(III) Implementation.--The Secretary may implement any requirement described in this subparagraph by regulation, notice or Dear Lender Letter. ``(C) Review of mortgagees.-- ``(i) In general.--The Secretary may periodically review the mortgagees originating, underwriting, or servicing single family mortgage loans under this section. ``(ii) Requirements.--In conducting a review under clause (i), the Secretary-- ``(I) shall compare the mortgagee with other mortgagees originating or underwriting loan guarantees for Indian housing based on the rates of defaults and claims for guaranteed mortgage loans originated, underwritten, or serviced by that mortgagee; ``(II) may compare the mortgagee with such other mortgagees based on underwriting quality, geographic area served, or any commonly used factors the Secretary determines necessary for comparing mortgage default risk, provided that the comparison is of factors that the Secretary would expect to affect the default risk of mortgage loans guaranteed by the Secretary; ``(III) shall implement such comparisons by regulation, notice, or Dear Lender Letter; and ``(IV) may terminate the approval of a mortgagee to originate, underwrite, or service loan guarantees for housing under this section if the Secretary determines that the mortgage loans originated, underwritten, or serviced by the mortgagee present an unacceptable risk to the Indian Housing Loan Guarantee Fund established under clause (i)-- ``(aa) based on a comparison of any of the factors set forth in this subparagraph; or ``(bb) by a determination that the mortgagee engaged in fraud or misrepresentation.''; and (C) in paragraph (5)(A), by inserting before the semicolon at the end the following: ``except, as determined by the Secretary, when there is a loan modification under subsection (h)(1)(B), the term of the loan shall not exceed 40 years''; (3) in subsection (c)-- (A) in paragraph (1)-- (i) by striking ``Before'' and inserting the following: ``(A) In general.--Except as provided in subparagraph (B), before''; and (ii) by adding at the end the following: ``(B) Exception.--Subparagraph (A) shall not apply when the Secretary exercises their discretion to delegate direct guarantee endorsement authority to eligible lenders under subsection (b)(4)(B)(i).''; (B) in paragraph (2)-- (i) by striking ``The Secretary'' and inserting the following: ``(A) In general.--Except as provided in subparagraph (B), the Secretary''; and (ii) by adding at the end the following: ``(B) Exceptions.--When the Secretary exercises its discretion to delegate direct guarantee endorsement authority to eligible lenders under subsection (b)(4)(B)(i)-- ``(i) subparagraph (A) shall not apply; and ``(ii) the direct guarantee endorsement lender may issue a certificate under this paragraph as evidence of the guarantee in accordance with requirements established by the Secretary.''; and (C) in paragraph (3), by inserting ``, or where applicable, the direct guarantee endorsement lender,'' after ``Secretary'' in each place that term appears; and (4) in subsection (l)-- (A) by redesignating paragraphs (8) and (9) as paragraphs (9) and (10), respectively; and (B) by inserting after paragraph (7) the following: ``(8) The term `tribally designated housing entity' has the meaning given the term in section 4 of the Native American Housing Assistance and Self-Determination Act of 1996 (25 U.S.C. 4103).''. (b) Loan Guarantees for Indian Housing.--Section 184(i)(5) of the Housing and Community Development Act of 1992 (12 U.S.C. 1715z- 13a(i)(5)) is amended-- (1) in subparagraph (B), by inserting after the first sentence the following: ``There are authorized to be appropriated for those costs such sums as may be necessary for each of fiscal years 2026 through 2032.''; and (2) in subparagraph (C), by striking ``2008 through 2012'' and inserting ``2026 through 2032''. SEC. 17. LOAN GUARANTEES FOR NATIVE HAWAIIAN HOUSING. Section 184A of the Housing and Community Development Act of 1992 (12 U.S.C. 1715z-13b) is amended-- (1) in subsection (b), by inserting ``, and to expand homeownership opportunities to Native Hawaiian families who are eligible to receive a homestead under the Hawaiian Homes Commission Act, 1920 (42 Stat. 108) on fee simple lands in the State of Hawaii'' after ``markets''; (2) in subsection (c)-- (A) by amending paragraph (2) to read as follows: ``(2) Eligible housing.--The loan shall be used to construct, acquire, refinance, or rehabilitate 1- to 4-family dwellings that are standard housing.''; (B) in paragraph (4)-- (i) in subparagraph (B)-- (I) by redesignating clause (iv) as clause (v); and (II) by adding after clause (iii) the following: ``(iv) Any other lender that is supervised, approved, regulated, or insured by any agency of the Federal Government, including any entity certified as a community development financial institution by the Community Development Financial Institutions Fund established under section 104(a) of the Riegle Community Development and Regulatory Improvement Act of 1994 (12 U.S.C. 4703(a)).''; and (ii) by adding at the end the following: ``(C) Direct guarantee endorsement and indemnification.-- ``(i) In general.--If the Secretary determines that a loan guaranteed under this section was not originated in accordance with the requirements established by the Secretary, the Secretary may require the lender approved under this paragraph to indemnify the Secretary for the loss or potential loss, irrespective of whether the violation caused or will cause the loan default. ``(ii) Direct guarantee endorsement.--The Secretary may, dependent on the availability of systems development and staffing resources, delegate to eligible lenders the authority to directly endorse loans under this section. ``(iii) Fraud or misrepresentation.--If fraud or misrepresentation is involved in a loan guaranteed under this section, the Secretary may require the originating lender approved under this subparagraph to indemnify the Secretary for the loss regardless of whether there was a payment made by the Secretary under the guarantee. ``(iv) Implementation.--The Secretary may implement any requirements described in this subparagraph by regulation, notice, or Dear Lender Letter. ``(v) Review of lenders.-- ``(I) In general.--The Secretary may periodically review the lenders originating, underwriting, or servicing single family mortgage loans under this section. ``(II) Requirements.--In conducting a review under paragraph (1), the Secretary-- ``(aa) shall compare the lender with other lenders originating or underwriting loan guarantees for Indian housing and Native Hawaiian housing based on the rates of defaults and claims for guaranteed loans originated, underwritten, or serviced by that lender; and ``(bb) may compare the lender with such other lenders based on underwriting quality, geographic area served, or any commonly used factors the Secretary determines necessary for comparing mortgage default risk, provided that the comparison is of factors that the Secretary would expect to affect the default risk of mortgage loans guaranteed by the Secretary.''; and (C) in paragraph (5)(A), by inserting before the semicolon at the end the following: ``except, as determined by the Secretary, when there is a loan modification under subsection (i)(1)(B), the term of the loan shall not exceed 40 years''; (3) in subsection (d)-- (A) in paragraph (1)-- (i) in subparagraph (A), by striking ``Before'' and inserting ``Except as provided in subsection (C), before''; (ii) in subparagraph (B), by striking ``If'' and inserting ``Except as provided under subparagraph (C), before''; and (iii) by adding at the end the following: ``(C) Exception.--When the Secretary exercises its discretion to delegate direct guarantee endorsement authority pursuant to subsection (c)(4)(C)(ii), subparagraphs (A) and (B) of this paragraph shall not apply.''; (B) by amending paragraph (2) to read as follows: ``(2) Standard for approval.-- ``(A) Approval.--Except as provided in subparagraph (B), the Secretary may approve a loan for guarantee under this section and issue a certificate under this subsection only if the Secretary determines that there is a reasonable prospect of repayment of the loan. ``(B) Exceptions.--When the Secretary exercises its discretion to delegate direct guarantee endorsement authority pursuant to subsection (c)(4)(C)(ii)-- ``(i) subparagraph (A) shall not apply; and ``(ii) the direct guarantee endorsement lender may issue a certificate under this paragraph as evidence of the guarantee in accordance with requirements prescribed by the Secretary.''; and (C) in paragraph (3)(A), by inserting ``or, where applicable, the direct guarantee endorsement lender,'' after ``Secretary''; and (4) in subsection (j)(5)(B), by inserting after the first sentence the following: ``There are authorized to be appropriated for those costs such sums as may be necessary for each of fiscal years 2026 through 2032.''. SEC. 18. RENTAL ASSISTANCE FOR HOMELESS OR AT-RISK INDIAN VETERANS. Section 8(o)(19) of the United States Housing Act of 1937 (42 U.S.C. 1437f(o)(19)) is amended by adding at the end the following: ``(E) Indian veterans housing rental assistance program.-- ``(i) Definitions.--In this subparagraph: ``(I) Eligible indian veteran.--The term `eligible Indian veteran' means an Indian veteran who is-- ``(aa) homeless or at risk of homelessness; and ``(bb) living-- ``(AA) on or near a reservation; or ``(BB) in or near any other Indian area. ``(II) Eligible recipient.--The term `eligible recipient' means a recipient eligible to receive a grant under section 101 of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4111). ``(III) Indian; indian area.--The terms `Indian' and `Indian area' have the meanings given those terms in section 4 of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4103). ``(IV) Indian veteran.--The term `Indian veteran' means an Indian who is a veteran. ``(V) Program.--The term `Program' means the Tribal HUD-VASH program carried out under clause (ii). ``(VI) Tribal organization.--The term `Tribal organization' has the meaning given the term in section 4 of the Indian Self-Determination and Education Assistance Act (25 U.S.C. 5304). ``(ii) Program specifications.--The Secretary may not use less than 5 percent of the amounts made available for rental assistance under this paragraph to carry out a rental assistance and supported housing program, to be known as the `Tribal HUD-VASH program', in conjunction with the Secretary of Veterans Affairs, by awarding grants for the benefit of eligible Indian veterans. ``(iii) Model.-- ``(I) In general.--Except as provided in subclause (II), the Secretary shall model the Program on the rental assistance and supported housing program authorized under subparagraph (A) and applicable appropriations Acts, including administration in conjunction with the Secretary of Veterans Affairs. ``(II) Exceptions.-- ``(aa) Secretary of housing and urban development.--After consultation with Indian Tribes, eligible recipients, and any other appropriate Tribal organizations, the Secretary may make necessary and appropriate modifications to facilitate the use of the Program by eligible recipients to serve eligible Indian veterans. ``(bb) Secretary of veterans affairs.--After consultation with Indian Tribes, eligible recipients, and any other appropriate Tribal organizations, the Secretary of Veterans Affairs may make necessary and appropriate modifications to facilitate the use of the Program by eligible recipients to serve eligible Indian veterans. ``(iv) Eligible recipients.--The Secretary shall make amounts for rental assistance and associated administrative costs under the Program available in the form of grants to eligible recipients. ``(v) Funding criteria.--The Secretary shall award grants under the Program based on-- ``(I) need; ``(II) administrative capacity; and ``(III) any other funding criteria established by the Secretary in a notice published in the Federal Register after consulting with the Secretary of Veterans Affairs. ``(vi) Administration.--Grants awarded under the Program shall be administered in accordance with the Native American Housing Assistance and Self-Determination Act of 1996 (25 U.S.C. 4101 et seq.), except that recipients shall-- ``(I) submit to the Secretary, in a manner prescribed by the Secretary, reports on the utilization of rental assistance provided under the Program; and ``(II) provide to the Secretary information specified by the Secretary to assess the effectiveness of the Program in serving eligible Indian veterans. ``(vii) Consultation.-- ``(I) Grant recipients; tribal organizations.--The Secretary, in coordination with the Secretary of Veterans Affairs, shall consult with eligible recipients and any other appropriate Tribal organization on the design of the Program to ensure the effective delivery of rental assistance and supportive services to eligible Indian veterans under the Program. ``(II) Indian health service.--The Director of the Indian Health Service shall provide any assistance requested by the Secretary or the Secretary of Veterans Affairs in carrying out the Program. ``(viii) Waiver.-- ``(I) In general.--Except as provided in subclause (II), the Secretary may waive or specify alternative requirements for any provision of law (including regulations) that the Secretary administers in connection with the use of rental assistance made available under the Program if the Secretary finds that the waiver or alternative requirement is necessary for the effective delivery and administration of rental assistance under the Program to eligible Indian veterans. ``(II) Exception.--The Secretary may not waive or specify alternative requirements under subclause (I) for any provision of law (including regulations) relating to labor standards or the environment. ``(ix) Renewal grants.--The Secretary may-- ``(I) set aside, from amounts made available for tenant-based rental assistance under this subsection and without regard to the amounts used for new grants under clause (ii), such amounts as may be necessary to award renewal grants to eligible recipients that received a grant under the Program in a previous year; and ``(II) specify criteria that an eligible recipient must satisfy to receive a renewal grant under subclause (I), including providing data on how the eligible recipient used the amounts of any grant previously received under the Program. ``(x) Reporting.--Not later than 1 year after the date of enactment of this subparagraph, and every 5 years thereafter, the Secretary, in coordination with the Secretary of Veterans Affairs and the Director of the Indian Health Service, shall-- ``(I) conduct a review of the implementation of the Program, including any factors that may have limited its success; and ``(II) submit a report describing the results of the review under item (aa) to-- ``(aa) the Committee on Indian Affairs, the Committee on Banking, Housing, and Urban Affairs, the Committee on Veterans' Affairs, and the Committee on Appropriations of the Senate; and ``(bb) the Subcommittee on Indian and Insular Affairs of the Committee on Natural Resources, the Committee on Financial Services, the Committee on Veterans' Affairs, and the Committee on Appropriations of the House of Representatives. ``(xi) Impact on formula current assisted stock.--For a given fiscal year's allocation formula of the Native American Housing Block Grants program, as authorized under title I of the Native American Housing Assistance and Self-Determination Act of 1996 (25 U.S.C. 4111 et seq.), the number of qualifying low-income housing dwelling units under section 302(b)(1) of the Native American Housing Assistance and Self-Determination Act of 1996 (25 U.S.C. 4152(b)(1)) may not be reduced due to the placement of an eligible Indian veteran assisted with amounts provided under the Program within such qualifying units.''. SEC. 19. CONTINUUM OF CARE. Title IV of the McKinney-Vento Homeless Assistance Act (42 U.S.C. 11360 et seq.) is amended-- (1) in section 401 (42 U.S.C. 11360)-- (A) by redesignating paragraphs (32) through (35) as paragraphs (33) through (36), respectively; and (B) by inserting after paragraph (31) the following: ``(32) Tribally designated housing entity.--The term `tribally designated housing entity' has the meaning given the term in section 4 of the Native American Housing Assistance and Self-Determination Act of 1996 (25 U.S.C. 4103).''; (2) in section 423(g) (42 U.S.C. 11383(g)), by inserting ``Indian Tribe, tribally designated housing entity,'' after ``private nonprofit organization,''; and (3) in section 435 (42 U.S.C. 11389)-- (A) by striking ``(as defined in section 4 of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4103))''; (B) by striking ``Notwithstanding'' and inserting the following: ``(a) Eligible Entities.--Notwithstanding''; and (C) by adding at the end the following: ``(b) Civil Rights Exemptions.--With respect to grants awarded to carry out eligible activities under this subtitle, title VI of the Civil Rights Act of 1964 (42 U.S.C. 2000d et seq.) and title VIII of the Civil Rights Act of 1968 (42 U.S.C. 3601 et seq.) shall not apply to applications or awards for projects to be carried out-- ``(1) on or off reservation or trust lands for awards made to Indian Tribes or tribally designated housing entities; ``(2) on reservation or trust lands for awards made to eligible entities; or ``(3) with respect to a project in which amounts provided under this Act will be used specifically to benefit Tribal communities or Tribal members, in formula areas (as such term is defined in section 1000.302 of title 24, Code of Federal Regulations, or any successor regulation) for the Indian Housing Block Grant. ``(c) Certification.--Notwithstanding section 106 of the Cranston- Gonzalez National Affordable Housing Act (42 U.S.C. 12706) and section 403 of this Act, with respect to applications for projects to be carried out on reservations or trust land using grants awarded under this subtitle-- ``(1) the applications shall contain a certification of consistency with an approved Indian housing plan developed under section 102 of the Native American Housing Assistance and Self-Determination Act (25 U.S.C. 4112); and ``(2) Indian Tribes and tribally designated housing entities that are recipients of awards for projects on reservations or trust land from such funds shall certify that they are following an approved housing plan developed under section 102 of the Native American Housing Assistance and Self- Determination Act (25 U.S.C. 4112). ``(d) Consolidated Plan Exemption.--A collaborative applicant for a Continuum of Care whose geographic area includes only reservation or trust land is not required to meet the requirement described in section 402(f)(2). ``(e) Waiver Authority for Tribal Participation.--In administering the amounts made available under this Act, the Secretary may waive, or specify alternative requirements for, any provision of any statute or regulation that the Secretary administers in connection with the obligation by the Secretary or the use by the recipient of these amounts (except for requirements related to labor standards and the environment), if the Secretary finds that good cause exists for the waiver or alternative requirement and such waiver or alternative requirement is necessary to modify any requirements preventing the participation of Indian Tribes or tribally designated housing entity in the Continuum of Care Program, or would expedite or facilitate the use of funds.''. SEC. 20. STREAMLINING REPORTING REQUIREMENTS. Section 404 of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4164) is amended-- (1) by redesignating subsection (d) as subsection (e); and (2) by inserting after subsection (c) the following: ``(d) Consolidated Reporting.--Notwithstanding any other provision of law, the Secretary shall develop policies and procedures that authorize interested Indian Tribes and tribally designated housing entities receiving grant amounts under this Act to submit to the Secretary, at their discretion, one consolidated annual performance report covering all grants the Indian Tribe or tribally designated housing entity receives from other grant programs administered by the Secretary.''. SEC. 21. APPLICATION OF BUILD AMERICA, BUY AMERICA REQUIREMENTS. The requirements under the Build America, Buy America Act (41 U.S.C. 8301 note) and any implementing regulations or guidance shall not apply to any housing activities carried out using any Federal financial assistance provided to Indian tribes, tribally designated housing entities, tribal organizations, and other Tribal entities (including the Department of Hawaiian Home Lands) under any Federal program. <all>\n\nSUMMARY TO EVALUATE:\nTitle: Native American Housing Assistance and Self-Determination Modernization Act of 2026\nSummary: This act extends and improves housing assistance programs for Native American and Native Hawaiian communities through 2032. It simplifies home loan access, supports homeless veterans, and speeds up home construction by reducing bureaucratic red tape.\nKey Points: Extension of funding for social housing and renovation programs until 2032., Introduction of 99-year land leases to provide long-term residential stability., Creation of a dedicated rental assistance program for homeless or at-risk Indian veterans., Streamlining environmental review processes for smaller housing projects under $250,000., Allowing guaranteed home loan terms to be extended up to 40 years for loan modifications., New financial support for college housing for students from tribal communities., Exemption of tribal housing projects from certain restrictive federal material purchasing requirements.\n\nZASADY OCENY:\n1. Sprawdź wszystkie LICZBY, DATY i KWOTY w SUMMARY. Jeśli którejś brakuje w SOURCE -> is_valid: false.\n2. Sprawdź wszystkie NAZWISKA, ORGANIZACJE i MIEJSCA w SUMMARY. Jeśli którejś brakuje w SOURCE -> is_valid: false.\n3. Sprawdź wszystkie konkretne DZIAŁANIA PRAWNE . Jeśli tego mechanizmu nie ma w SOURCE -> is_valid: false.\n\nWAŻNE: Abstrakcyjne pojęcia (np. \"transparentność\", \"zaufanie\") są dozwolone jako wnioski.\n\nOUTPUT (JSON):\n{\n  \"is_valid\": true/false,\n  \"issue\": \"fabricated_entity\" / \"contradiction\" / \"none\"\n}\n\nWYMAGANIA FORMATOWANIA:\n1. Odpowiedz WYŁĄCZNIE surowym obiektem JSON.\n2. NIE używaj bloków kodu Markdown.\n3. NIE dodawaj żadnych wstępów ani wyjaśnień przed ani po JSONie.\n4. JSON musi być poprawny i gotowy do parsowania.\n\n",
      "ai_response_raw": "{\n  \"is_valid\": true,\n  \"issue\": \"none\"\n}"
    },
    {
      "timestamp": "2026-04-13T14:45:15.725Z",
      "source_url": "https://www.congress.gov/119/bills/hr8092/BILLS-119hr8092ih.htm",
      "model": "gemini-flash-latest",
      "prompt_sent": "\nJesteś ekspertem od prawa Stanów Zjednoczonych, który ma za zadanie analizować dokumenty ustaw, uchwał oraz innych dokumentów legislacyjnych, a następnie przygotowywać z nich informacje w przystępny sposób dla obywateli. Twoim celem jest przedstawienie informacji tak, aby obywatele mogli sami ocenić wpływ legislacji na ich życie, nawet bez posiadania specjalistycznej wiedzy legislacyjnej. Skup się na faktach i obiektywnych skutkach wprowadzanych zmian, unikając wartościowania i osobistych opinii. Wszelki żargon prawny jest zabroniony. Prezentuj informacje w jasny, zwięzły i angażujący sposób, tak aby były zrozumiałe dla osoby bez wykształcenia prawniczego. Unikaj długich, złożonych zdań. Zamiast pisać \"projekt ma na celu nowelizację kodeksu podatkowego...\", napisz \"Zmiany w podatkach: nowe ulgi i obowiązki dla...\". Kontynuuj swoją pracę, dopóki nie rozwiążesz swojego zadania. Jeśli nie masz pewności co do generowanej treści, przeanalizuj dokument ponownie – nie zgaduj. Rozplanuj dobrze swoje zadanie przed przystąpieniem do niego. W podsumowaniu i kluczowych punktach, jeśli to możliwe i uzasadnione, podkreśl, jakie konkretne korzyści lub skutki (pozytywne lub negatywne) wprowadza ustawa dla życia codziennego obywateli, ich praw i obowiązków, finansów osobistych, bezpieczeństwa i innych ważnych kwestii (np. kategorycznych zakazów i nakazów czy najważniejszych konkretnych alokacji finansowych i terytorialnych).\n\nTwoja odpowiedź MUSI być w formacie JSON - i zawierać następujące klucze.\nZanim zwrócisz odpowiedź, dokładnie zweryfikuj, czy cała struktura JSON jest w 100% poprawna, włącznie ze wszystkimi przecinkami, nawiasami klamrowymi, kwadratowymi oraz cudzysłowami. Błędny JSON jest nieakceptowalny i uniemożliwi przetworzenie Twojej pracy.\n\nPrzeanalizuj dokładnie poniższy tekst dokumentu prawnego. To jest treść, na podstawie której masz wygenerować podsumowanie i kluczowe punkty:\n--- POCZĄTEK DOKUMENTU ---\n[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.R. 8092 Introduced in House (IH)] <DOC> 119th CONGRESS 2d Session H. R. 8092 To reauthorize the Native American Housing Assistance and Self- Determination Act of 1996, and for other purposes. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES March 26, 2026 Mr. Downing (for himself, Ms. Bynum, Mr. Cole, Mr. Lucas, Mr. Huizenga, Mrs. Wagner, Mr. Meuser, Mr. Haridopolos, Mr. Lawler, Ms. De La Cruz, Mr. Barr, Mr. Steil, Mr. Davidson, Mr. Stutzman, Mr. Loudermilk, Mr. Zinke, Mr. Bacon, Mr. Fleischmann, Mr. Johnson of South Dakota, Mrs. Fedorchak, Mr. Simpson, Mr. Liccardo, Ms. Moore of Wisconsin, Ms. Davids of Kansas, Ms. Craig, Mr. Davis of North Carolina, Mr. Vasquez, Mr. Larsen of Washington, Mr. Stanton, Mr. Keating, Ms. Leger Fernandez, Ms. Pingree, Ms. Stansbury, Mr. Bentz, and Mr. Nunn of Iowa) introduced the following bill; which was referred to the Committee on Financial Services _______________________________________________________________________ A BILL To reauthorize the Native American Housing Assistance and Self- Determination Act of 1996, and for other purposes. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. SHORT TITLE; TABLE OF CONTENTS. (a) Short Title.--This Act may be cited as the ``Native American Housing Assistance and Self-Determination Modernization Act of 2026''. (b) Table of Contents.--The table of contents for this Act is as follows: Sec. 1. Short title; Table of contents. Sec. 2. Consolidation of environmental review requirements. Sec. 3. Authorization of appropriations. Sec. 4. Student housing assistance. Sec. 5. Clarification of application of rent rule only to units owned or operated by Indian Tribe or tribally designated housing entity. Sec. 6. Deadline for action on request for approval regarding exceeding TDC maximum cost for project. Sec. 7. Homeownership or lease-to-own low-income requirement and income targeting. Sec. 8. Lease requirements and tenant selection. Sec. 9. Statutory authority to suspend grant funds in emergencies. Sec. 10. Reports to Congress. Sec. 11. 99-year leasehold interest in trust or restricted lands for housing purposes. Sec. 12. Reauthorization of housing assistance for Native Hawaiians. Sec. 13. Community-based development organizations and special activities by Indian Tribes. Sec. 14. Housing counseling certification waiver. Sec. 15. Eligibility for housing counseling grants. Sec. 16. Section 184 Indian home loan guarantee program. Sec. 17. Loan guarantees for Native Hawaiian housing. Sec. 18. Rental assistance for homeless or at-risk Indian veterans. Sec. 19. Continuum of care. Sec. 20. Streamlining reporting requirements. Sec. 21. Application of Build America, Buy America requirements. SEC. 2. CONSOLIDATION OF ENVIRONMENTAL REVIEW REQUIREMENTS. Section 105 of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4115) is amended-- (1) in subsection (c)(2) by adding after ``other officer of the Tribe'' the following: ``, or a tribally designated housing entity official designated by the Tribe,''; (2) in subsection (d)-- (A) by redesignating paragraphs (1) through (4) as subparagraphs (A) through (D), respectively; (B) by striking ``The Secretary may'' and inserting the following: ``(1) In general.--The Secretary shall''; and (C) by adding at the end the following: ``(2) Waiver request.--The Secretary shall act upon a waiver request submitted under this subsection within 60 days after receipt of such request.''; and (3) by adding at the end the following new subsections: ``(e) Consolidation of Environmental Review Requirements.--For assistance provided under this Act, including under title VIII of this Act, and grants to Indian Tribes issued under title I of the Housing and Community Development Act of 1974 (42 U.S.C. 5301 et seq.), the Indian Tribe or the Director of the Department of Hawaiian Home Lands shall be deemed to be in compliance with the environmental review requirements under this section or section 806 of this Act, title I of the Housing and Community Development Act of 1974, and the National Environmental Policy Act of 1969 (42 U.S.C. 4321 et seq.), with regard to such project and to discharge any applicable environmental review requirements that might apply to Federal agencies with respect to the use of additional Federal funding sources for that project, if-- ``(1) a recipient is using 1 or more sources of Federal funds in addition to grant amounts under this Act or in addition to a grant made to an Indian Tribe under title I of the Housing and Community Development Act of 1974; ``(2) such other sources of Federal funds do not exceed 49 percent of the Federal share of the project cost; and ``(3) the recipient's Indian Tribe or the Director of the Department of Hawaiian Home Lands has assumed all of the responsibilities for environmental review, decision-making, and action pursuant to this section, section 806 of this Act, or title I of the Housing and Community Development Act of 1974. ``(f) Environmental Streamlining.--For activities assisted under this Act, including title VIII of this Act, or assisted with a grant to an Indian Tribe under title I of the Housing and Community Development Act (42 U.S.C. 5301 et seq.), each of the following apply: ``(1) General exemption.--Notwithstanding any other provision of law, activities are exempt from any environmental review requirements where-- ``(A) similar statutory exemptions apply to comparable activities of other Federal agencies; ``(B) the activity is an affordable housing activity having a total cost of not more than $250,000; ``(C) the activity is acquisition of property, including long-term equipment, funded using non-Federal sources; or ``(D) the activity involves the rehabilitation of a structure and-- ``(i) the cost of the rehabilitation is less than fifty percent of the market value of the structure before rehabilitation; and ``(ii) the rehabilitation involves no ground disturbance, footprint change, or historic structure. ``(2) Radon exemption.--Notwithstanding any other provision of law, the Secretary may not require recipients (including the Director under title VIII of this Act) and Indian Tribes to consider or test for radon in the environmental review. Nothing in this provision shall be construed to limit the authority of a recipient (including the Director under title VIII of this Act) and an Indian Tribe to consider, test for, and mitigate radon. ``(3) Lead testing.-- ``(A) Testing.--Lead paint testing of target housing that is in a remote area, and that is being rehabilitated, renovated, repaired, or painted in a manner that will repair or disturb building components that are painted or coated, must be conducted via-- ``(i) paint chip testing, lead-based paint inspection, visual assessment for deteriorated paint, or a lead risk assessment for lead-based paint hazards, as applicable in accordance with section 1012 of the Residential Lead-Based Paint Hazard Reduction Act of 1992; or ``(ii) visual assessment for deteriorated paint and use of EPA-recognized lead test kits in accordance with sections 402 or 404, as applicable, of the Toxic Substances Control Act (15 U.S.C. 2682, 2684) on each building component that is painted or coated and is to be disturbed. ``(B) Definitions.--In this paragraph: ``(i) Remote area.--The term `Remote Area' means as the area of a United States Postal Service ZIP Code that has a level 1 Frontier and Remote Area code as most recently posted on the website of the Department of Agriculture. ``(ii) Target housing.--The term `Target Housing' has the meaning given the term in section 1004(27) of the Residential Lead-Based Paint Hazard Reduction Act of 1992 (42 U.S.C. 4851b(27)) assisted under the Native American Housing Assistance and Self-Determination Act of 1996. ``(4) Siting of hud projects near explosive and flammable hazards.-- ``(A) In general.--Recipients carrying out activities under this Act (including the Director under title VIII of this Act) or Indian Tribe carrying out activities under title I of the Housing and Community Development Act shall be exempt from the Secretary's acceptable separation distance requirements and mitigation for residential tanks when the tank-- ``(i) has a capacity of 1,320 gallons or less; ``(ii) is intended to contain common liquid fuels such as gasoline, fuel oil, kerosene, diesel, liquified petroleum gas (propane), or crude oil; ``(iii) is sited on land or property that contains a one- to four-family dwelling; ``(iv) is intended to be used solely by residents of such dwelling; and ``(v) is intended to be used by residents of such dwelling exclusively for non- commercial, non-industrial purposes. ``(B) Rule of construction.--Nothing in this provision shall be construed to limit the authority of a recipient (including the Director under title VIII of this Act) or an Indian Tribe to consider acceptable separation distance or implement mitigation measures. ``(C) Application.--The Secretary's acceptable separation distance requirements between a residential structure assisted with funds under this Act (or assisted with funds under a grant to an Indian Tribe under title 1 of the Housing and Community Development Act) and an above-ground storage tank used to store hazardous substances as defined in subpart C of part 51 of title 24, Code of Federal Regulations, or successor regulation, including mitigation measures, do not apply if the Indian Tribe or recipient (including the Director under title VIII of this Act) determines that-- ``(i) inapplicability of the requirements is necessary to address the housing needs of the Indian Tribe or recipient (including the Director under title VIII of this Act); ``(ii) the use of an alternative standard, or the absence of a standard, does not present an unacceptable risk to the health or safety of residents; and ``(iii) the Indian Tribe or recipient (including the Director under title VIII of this Act) has provided notice and an opportunity for comment to residents of the affected area regarding the inapplicability of the requirements, and has developed a safety and response plan. ``(5) Streamlining wetland requirements.--The Secretary may not apply additional requirements involving protection of wetlands in instances where an affected wetland requires a U.S. Army Corps of Engineers General, Regional, or individual permit and the Indian Tribe or recipient (including the Director under title VIII of this Act) complies with permit conditions.''. SEC. 3. AUTHORIZATION OF APPROPRIATIONS. Section 108 of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4117) is amended, in the first sentence, by striking ``2009 through 2013'' and inserting ``2026 through 2032''. SEC. 4. STUDENT HOUSING ASSISTANCE. Section 202(3) of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4132(3)) is amended by inserting ``including college housing assistance,'' after ``self-sufficiency and other services,''. SEC. 5. CLARIFICATION OF APPLICATION OF RENT RULE ONLY TO UNITS OWNED OR OPERATED BY INDIAN TRIBE OR TRIBALLY DESIGNATED HOUSING ENTITY. Section 203(a) of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4133(a)) is amended-- (1) in paragraph (2), by inserting ``owned or operated by a recipient and'' after ``residing in a dwelling unit''; and (2) by adding at the end the following: ``(3) Self-determination.--Notwithstanding paragraph (2), recipients may establish their own policies governing maximum and minimum rents and homebuyer payments for dwelling units assisted under this Act, provided such policies are written and made publicly available.''. SEC. 6. DEADLINE FOR ACTION ON REQUEST FOR APPROVAL REGARDING EXCEEDING TDC MAXIMUM COST FOR PROJECT. (a) Approval.--Section 103 of the Native American Housing Assistance and Self-Determination Act of 1996 (25 U.S.C. 4113) is amended by adding at the end the following new subsection: ``(f) Deadline for Action on Request To Exceed TDC Maximum.-- ``(1) Deadline.--A request for approval by the Secretary to exceed by more than 10 percent the total development cost maximum cost for a project shall be approved or denied during the 60-day period that begins on the date that the Secretary receives the request. ``(2) No response by secretary.--If the Secretary does not respond to a request in the 60-day period described in paragraph (1), the request shall be deemed approved.''. (b) Definition.--Section 4 of the Native American Housing Assistance and Self-Determination Act of 1996 (25 U.S.C. 4103) is amended-- (1) by redesignating paragraph (22) as paragraph (23); and (2) by inserting after paragraph (21) the following new paragraph: ``(22) Total development cost.--The term `total development cost' means, with respect to a housing project, the sum of all costs for the project, including all undertakings necessary for administration, planning, site acquisition, demolition, construction or equipment and financing (including payment of carrying charges), and for otherwise carrying out the development of the project, excluding off-site water and sewer. The total development cost amounts shall be based on a moderately designed house and determined by averaging the current construction costs as listed in not less than two nationally recognized residential construction cost indices.''. SEC. 7. HOMEOWNERSHIP OR LEASE-TO-OWN LOW-INCOME REQUIREMENT AND INCOME TARGETING. Section 205 of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4135) is amended-- (1) in subsection (a)(1)-- (A) in subparagraph (C), by striking ``and'' at the end; and (B) by adding at the end the following: ``(E) notwithstanding any other provision of this paragraph, in the case of rental housing that is made available to a current rental family for conversion to a homebuyer or a lease-purchase unit-- ``(i) that the current rental family can purchase through a contract of sale, lease- purchase agreement, or any other sales agreement; and ``(ii) the housing is made available for purchase only by the current rental family, if the rental family was a low-income family at the time of their initial occupancy of such unit; and''; and (2) in subsection (c)-- (A) by striking ``The provisions'' and inserting the following: ``(1) In general.--The provisions''; and (B) by adding at the end the following: ``(2) Applicability to improvements.--The provisions of subsection (a)(2) regarding binding commitments for the remaining useful life of property shall not apply to improvements of privately owned homes if the cost of the improvements do not exceed 10 percent of the maximum total development cost for the home.''. SEC. 8. LEASE REQUIREMENTS AND TENANT SELECTION. Section 207 of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4137) is amended by adding at the end the following: ``(c) Notice of Termination.--The notice period described in subsection (a)(3) shall apply to projects and programs funded in part by amounts authorized under this Act.''. SEC. 9. STATUTORY AUTHORITY TO SUSPEND GRANT FUNDS IN EMERGENCIES. Section 401(a)(4) of the Native American Housing Assistance and Self-Determination Act of 1996 (25 U.S.C. 4161(a)(4)) is amended-- (1) in subparagraph (A), by striking ``may take an action described in paragraph (1)(C)'' and inserting ``may immediately take an action described in paragraph (1)(C)''; and (2) by striking subparagraph (B) and inserting the following: ``(B) Procedural requirements.-- ``(i) In general.--If the Secretary takes an action described in subparagraph (A), the Secretary shall provide notice to the recipient at the time that the Secretary takes that action. ``(ii) Notice requirements.--The notice under clause (i) shall inform the recipient that the recipient may request a hearing by not later than 30 days after the date on which the Secretary provides the notice. ``(iii) Hearing requirements.--A hearing requested under clause (ii) shall be conducted-- ``(I) in accordance with subpart A of part 26 of title 24, Code of Federal Regulations (or successor regulations); and ``(II) to the maximum extent practicable, on an expedited basis. ``(iv) Failure to conduct a hearing.--If a hearing requested under clause (ii) is not completed by the date that is 180 days after the date on which the recipient requests the hearing, the action of the Secretary to limit the availability of payments shall no longer be effective.''. SEC. 10. REPORTS TO CONGRESS. Section 407 of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4167) is amended-- (1) in subsection (a), by striking ``Congress'' and inserting ``Committee on Indian Affairs and the Committee on Banking, Housing, and Urban Affairs of the Senate and the Committee on Financial Services of the House of Representatives''; and (2) by adding at the end the following: ``(c) Public Availability.--The report described in subsection (a) shall be made publicly available, including to recipients.''. SEC. 11. 99-YEAR LEASEHOLD INTEREST IN TRUST OR RESTRICTED LANDS FOR HOUSING PURPOSES. Section 702 of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4211) is amended-- (1) in the section heading, by striking ``50-year'' and inserting ``99-year''; (2) in subsection (b), by striking ``50 years'' and inserting ``99 years''; and (3) in subsection (c)(2), by striking ``50 years'' and inserting ``99 years''. SEC. 12. REAUTHORIZATION OF HOUSING ASSISTANCE FOR NATIVE HAWAIIANS. Section 824 of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4243) is amended by striking ``for each of fiscal years 2001, 2002, 2003, 2004, and 2005'' and inserting ``each of fiscal years 2026 through 2032.''. SEC. 13. COMMUNITY-BASED DEVELOPMENT ORGANIZATIONS AND SPECIAL ACTIVITIES BY INDIAN TRIBES. Section 105 of the Housing and Community Development Act of 1974 (42 U.S.C. 5305) is amended by adding at the end the following: ``(i) Indian Tribes, Tribally Designated Housing Entities, and Tribal Organizations as Community-Based Development Organizations.-- ``(1) Definitions.--In this subsection: ``(A) Tribally designated housing entity.--The term `tribally designated housing entity' has the meaning given the term in section 4 of the Native American Housing Assistance and Self-Determination Act of 1996 (25 U.S.C. 4103). ``(B) Tribal organization.--The term `Tribal organization' has the meaning given the term in section 4 of the Indian Self-Determination and Education Assistance Act (25 U.S.C. 5304). ``(2) Qualification.--An Indian Tribe, a tribally designated housing entity, or a Tribal organization shall qualify as a community-based development organization for purposes of carrying out new housing construction under this subsection for a grant made under section 106(a)(1). ``(j) Special Activities by Indian Tribes.--An Indian Tribe (or a Tribal organization or Tribally designated housing entity designated by such Indian Tribe) receiving a grant under section 106(a)(1) shall be authorized to directly carry out activities described in subsection (a)(15).''. SEC. 14. HOUSING COUNSELING CERTIFICATION WAIVER. Subtitle A of title II of the Native American Housing Assistance and Self-Determination Act of 1996 (25 U.S.C. 4131 et seq.) is amended by adding at the end the following new section: ``SEC. 211. HOUSING COUNSELING CERTIFICATION WAIVER. ``Notwithstanding section 106(g)(1) of the Housing and Urban Development Act of 1968 (12 U.S.C. 1701x(g)(1)), Indian Tribes, Tribal organizations, tribally designated housing entities and the Department of Hawaiian Homelands carrying out homeownership counseling or rental housing counseling under section 105(a)(20) of the Housing and Community Development Act of 1974 (42 U.S.C. 5305(a)(20)) and sections 202(3) and 810(b)(2)(A) of the Native American Housing and Self- Determination Act of 1996 (25 U.S.C. 4132(3), 4229(b)(2)(A)), may not be required to comply with any housing counseling certification requirements established by the Secretary. Nothing in this provision shall be construed as limiting such recipients' ability to obtain a housing counseling certification from the Secretary.''. SEC. 15. ELIGIBILITY FOR HOUSING COUNSELING GRANTS. Section 106(a)(4) of the Housing and Urban Development Act of 1968 (12 U.S.C. 1701x(a)(4)) is amended-- (1) in subparagraph (A)-- (A) by striking ``and'' and inserting a comma; and (B) by inserting before the period at the end the following: ``, Indian Tribes, and tribally designated housing entities''; (2) in subparagraph (B), by inserting ``, Indian Tribes, and tribally designated housing entities'' after ``organizations)''; (3) by redesignating subparagraph (F) as subparagraph (G); and (4) by inserting after subparagraph (E) the following: ``(F) Definitions.--In this paragraph, the terms `Indian Tribe' and `tribally designated housing entity' have the meanings given those terms in section 4 of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4103).''. SEC. 16. SECTION 184 INDIAN HOME LOAN GUARANTEE PROGRAM. (a) In General.--Section 184 of the Housing and Community Development Act of 1992 (12 U.S.C. 1715z-13a) is amended-- (1) by amending subsection (a) to read as follows: ``(a) Authority.--To provide access to sources of private financing to Indian families, Indian housing authorities, and Indian Tribes, who otherwise could not acquire housing financing because of the unique legal status of Indian lands and the unique nature of Tribal economies, and to expand homeownership opportunities to Indian families, tribally designated housing entities, Indian housing authorities and Indian Tribes on fee simple lands, the Secretary may guarantee not to exceed 100 percent of the unpaid principal and interest due on any loan eligible under subsection (b) made to an Indian family, tribally designated housing entities, Indian housing authority, or Indian Tribe on trust land and fee simple land.''; (2) in subsection (b)-- (A) by amending paragraph (2) to read as follows: ``(2) Eligible housing.--The loan shall be used to construct, acquire, refinance, or rehabilitate 1- to 4-family dwellings that are standard housing.''; (B) in paragraph (4)-- (i) by redesignating subparagraphs (A) through (D) as clauses (i) through (iv), respectively, and adjusting the margins accordingly; (ii) by striking ``The loan'' and inserting the following: ``(A) In general.--The loan''; (iii) in subparagraph (A), as so redesignated, by adding at the end the following: ``(v) Any entity certified as a community development financial institution by the Community Development Financial Institutions Fund established under section 104(a) of the Riegle Community Development and Regulatory Improvement Act of 1994 (12 U.S.C. 4703(a)).''; and (iv) by adding at the end the following: ``(B) Direct guarantee process.-- ``(i) Authorization.--The Secretary may authorize qualifying lenders to participate in a direct guarantee process for approving loans under this section. ``(ii) Indemnification.-- ``(I) In general.--If the Secretary determines that a mortgage guaranteed through a direct guarantee process under this subparagraph was not originated in accordance with the requirements established by the Secretary, the Secretary may require the lender approved under this subparagraph to indemnify the Secretary for the loss, irrespective of whether the violation caused the mortgage default. ``(II) Fraud or misrepresentation.--If fraud or misrepresentation is involved in a direct guarantee process under this subparagraph, the Secretary may require the originating lender approved under this subparagraph to indemnify the Secretary for the loss regardless of when an insurance claim is paid. ``(III) Implementation.--The Secretary may implement any requirement described in this subparagraph by regulation, notice or Dear Lender Letter. ``(C) Review of mortgagees.-- ``(i) In general.--The Secretary may periodically review the mortgagees originating, underwriting, or servicing single family mortgage loans under this section. ``(ii) Requirements.--In conducting a review under clause (i), the Secretary-- ``(I) shall compare the mortgagee with other mortgagees originating or underwriting loan guarantees for Indian housing based on the rates of defaults and claims for guaranteed mortgage loans originated, underwritten, or serviced by that mortgagee; ``(II) may compare the mortgagee with such other mortgagees based on underwriting quality, geographic area served, or any commonly used factors the Secretary determines necessary for comparing mortgage default risk, provided that the comparison is of factors that the Secretary would expect to affect the default risk of mortgage loans guaranteed by the Secretary; ``(III) shall implement such comparisons by regulation, notice, or Dear Lender Letter; and ``(IV) may terminate the approval of a mortgagee to originate, underwrite, or service loan guarantees for housing under this section if the Secretary determines that the mortgage loans originated, underwritten, or serviced by the mortgagee present an unacceptable risk to the Indian Housing Loan Guarantee Fund established under clause (i)-- ``(aa) based on a comparison of any of the factors set forth in this subparagraph; or ``(bb) by a determination that the mortgagee engaged in fraud or misrepresentation.''; and (C) in paragraph (5)(A), by inserting before the semicolon at the end the following: ``except, as determined by the Secretary, when there is a loan modification under subsection (h)(1)(B), the term of the loan shall not exceed 40 years''; (3) in subsection (c)-- (A) in paragraph (1)-- (i) by striking ``Before'' and inserting the following: ``(A) In general.--Except as provided in subparagraph (B), before''; and (ii) by adding at the end the following: ``(B) Exception.--Subparagraph (A) shall not apply when the Secretary exercises their discretion to delegate direct guarantee endorsement authority to eligible lenders under subsection (b)(4)(B)(i).''; (B) in paragraph (2)-- (i) by striking ``The Secretary'' and inserting the following: ``(A) In general.--Except as provided in subparagraph (B), the Secretary''; and (ii) by adding at the end the following: ``(B) Exceptions.--When the Secretary exercises its discretion to delegate direct guarantee endorsement authority to eligible lenders under subsection (b)(4)(B)(i)-- ``(i) subparagraph (A) shall not apply; and ``(ii) the direct guarantee endorsement lender may issue a certificate under this paragraph as evidence of the guarantee in accordance with requirements established by the Secretary.''; and (C) in paragraph (3), by inserting ``, or where applicable, the direct guarantee endorsement lender,'' after ``Secretary'' in each place that term appears; and (4) in subsection (l)-- (A) by redesignating paragraphs (8) and (9) as paragraphs (9) and (10), respectively; and (B) by inserting after paragraph (7) the following: ``(8) The term `tribally designated housing entity' has the meaning given the term in section 4 of the Native American Housing Assistance and Self-Determination Act of 1996 (25 U.S.C. 4103).''. (b) Loan Guarantees for Indian Housing.--Section 184(i)(5) of the Housing and Community Development Act of 1992 (12 U.S.C. 1715z- 13a(i)(5)) is amended-- (1) in subparagraph (B), by inserting after the first sentence the following: ``There are authorized to be appropriated for those costs such sums as may be necessary for each of fiscal years 2026 through 2032.''; and (2) in subparagraph (C), by striking ``2008 through 2012'' and inserting ``2026 through 2032''. SEC. 17. LOAN GUARANTEES FOR NATIVE HAWAIIAN HOUSING. Section 184A of the Housing and Community Development Act of 1992 (12 U.S.C. 1715z-13b) is amended-- (1) in subsection (b), by inserting ``, and to expand homeownership opportunities to Native Hawaiian families who are eligible to receive a homestead under the Hawaiian Homes Commission Act, 1920 (42 Stat. 108) on fee simple lands in the State of Hawaii'' after ``markets''; (2) in subsection (c)-- (A) by amending paragraph (2) to read as follows: ``(2) Eligible housing.--The loan shall be used to construct, acquire, refinance, or rehabilitate 1- to 4-family dwellings that are standard housing.''; (B) in paragraph (4)-- (i) in subparagraph (B)-- (I) by redesignating clause (iv) as clause (v); and (II) by adding after clause (iii) the following: ``(iv) Any other lender that is supervised, approved, regulated, or insured by any agency of the Federal Government, including any entity certified as a community development financial institution by the Community Development Financial Institutions Fund established under section 104(a) of the Riegle Community Development and Regulatory Improvement Act of 1994 (12 U.S.C. 4703(a)).''; and (ii) by adding at the end the following: ``(C) Direct guarantee endorsement and indemnification.-- ``(i) In general.--If the Secretary determines that a loan guaranteed under this section was not originated in accordance with the requirements established by the Secretary, the Secretary may require the lender approved under this paragraph to indemnify the Secretary for the loss or potential loss, irrespective of whether the violation caused or will cause the loan default. ``(ii) Direct guarantee endorsement.--The Secretary may, dependent on the availability of systems development and staffing resources, delegate to eligible lenders the authority to directly endorse loans under this section. ``(iii) Fraud or misrepresentation.--If fraud or misrepresentation is involved in a loan guaranteed under this section, the Secretary may require the originating lender approved under this subparagraph to indemnify the Secretary for the loss regardless of whether there was a payment made by the Secretary under the guarantee. ``(iv) Implementation.--The Secretary may implement any requirements described in this subparagraph by regulation, notice, or Dear Lender Letter. ``(v) Review of lenders.-- ``(I) In general.--The Secretary may periodically review the lenders originating, underwriting, or servicing single family mortgage loans under this section. ``(II) Requirements.--In conducting a review under paragraph (1), the Secretary-- ``(aa) shall compare the lender with other lenders originating or underwriting loan guarantees for Indian housing and Native Hawaiian housing based on the rates of defaults and claims for guaranteed loans originated, underwritten, or serviced by that lender; and ``(bb) may compare the lender with such other lenders based on underwriting quality, geographic area served, or any commonly used factors the Secretary determines necessary for comparing mortgage default risk, provided that the comparison is of factors that the Secretary would expect to affect the default risk of mortgage loans guaranteed by the Secretary.''; and (C) in paragraph (5)(A), by inserting before the semicolon at the end the following: ``except, as determined by the Secretary, when there is a loan modification under subsection (i)(1)(B), the term of the loan shall not exceed 40 years''; (3) in subsection (d)-- (A) in paragraph (1)-- (i) in subparagraph (A), by striking ``Before'' and inserting ``Except as provided in subsection (C), before''; (ii) in subparagraph (B), by striking ``If'' and inserting ``Except as provided under subparagraph (C), before''; and (iii) by adding at the end the following: ``(C) Exception.--When the Secretary exercises its discretion to delegate direct guarantee endorsement authority pursuant to subsection (c)(4)(C)(ii), subparagraphs (A) and (B) of this paragraph shall not apply.''; (B) by amending paragraph (2) to read as follows: ``(2) Standard for approval.-- ``(A) Approval.--Except as provided in subparagraph (B), the Secretary may approve a loan for guarantee under this section and issue a certificate under this subsection only if the Secretary determines that there is a reasonable prospect of repayment of the loan. ``(B) Exceptions.--When the Secretary exercises its discretion to delegate direct guarantee endorsement authority pursuant to subsection (c)(4)(C)(ii)-- ``(i) subparagraph (A) shall not apply; and ``(ii) the direct guarantee endorsement lender may issue a certificate under this paragraph as evidence of the guarantee in accordance with requirements prescribed by the Secretary.''; and (C) in paragraph (3)(A), by inserting ``or, where applicable, the direct guarantee endorsement lender,'' after ``Secretary''; and (4) in subsection (j)(5)(B), by inserting after the first sentence the following: ``There are authorized to be appropriated for those costs such sums as may be necessary for each of fiscal years 2026 through 2032.''. SEC. 18. RENTAL ASSISTANCE FOR HOMELESS OR AT-RISK INDIAN VETERANS. Section 8(o)(19) of the United States Housing Act of 1937 (42 U.S.C. 1437f(o)(19)) is amended by adding at the end the following: ``(E) Indian veterans housing rental assistance program.-- ``(i) Definitions.--In this subparagraph: ``(I) Eligible indian veteran.--The term `eligible Indian veteran' means an Indian veteran who is-- ``(aa) homeless or at risk of homelessness; and ``(bb) living-- ``(AA) on or near a reservation; or ``(BB) in or near any other Indian area. ``(II) Eligible recipient.--The term `eligible recipient' means a recipient eligible to receive a grant under section 101 of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4111). ``(III) Indian; indian area.--The terms `Indian' and `Indian area' have the meanings given those terms in section 4 of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4103). ``(IV) Indian veteran.--The term `Indian veteran' means an Indian who is a veteran. ``(V) Program.--The term `Program' means the Tribal HUD-VASH program carried out under clause (ii). ``(VI) Tribal organization.--The term `Tribal organization' has the meaning given the term in section 4 of the Indian Self-Determination and Education Assistance Act (25 U.S.C. 5304). ``(ii) Program specifications.--The Secretary may not use less than 5 percent of the amounts made available for rental assistance under this paragraph to carry out a rental assistance and supported housing program, to be known as the `Tribal HUD-VASH program', in conjunction with the Secretary of Veterans Affairs, by awarding grants for the benefit of eligible Indian veterans. ``(iii) Model.-- ``(I) In general.--Except as provided in subclause (II), the Secretary shall model the Program on the rental assistance and supported housing program authorized under subparagraph (A) and applicable appropriations Acts, including administration in conjunction with the Secretary of Veterans Affairs. ``(II) Exceptions.-- ``(aa) Secretary of housing and urban development.--After consultation with Indian Tribes, eligible recipients, and any other appropriate Tribal organizations, the Secretary may make necessary and appropriate modifications to facilitate the use of the Program by eligible recipients to serve eligible Indian veterans. ``(bb) Secretary of veterans affairs.--After consultation with Indian Tribes, eligible recipients, and any other appropriate Tribal organizations, the Secretary of Veterans Affairs may make necessary and appropriate modifications to facilitate the use of the Program by eligible recipients to serve eligible Indian veterans. ``(iv) Eligible recipients.--The Secretary shall make amounts for rental assistance and associated administrative costs under the Program available in the form of grants to eligible recipients. ``(v) Funding criteria.--The Secretary shall award grants under the Program based on-- ``(I) need; ``(II) administrative capacity; and ``(III) any other funding criteria established by the Secretary in a notice published in the Federal Register after consulting with the Secretary of Veterans Affairs. ``(vi) Administration.--Grants awarded under the Program shall be administered in accordance with the Native American Housing Assistance and Self-Determination Act of 1996 (25 U.S.C. 4101 et seq.), except that recipients shall-- ``(I) submit to the Secretary, in a manner prescribed by the Secretary, reports on the utilization of rental assistance provided under the Program; and ``(II) provide to the Secretary information specified by the Secretary to assess the effectiveness of the Program in serving eligible Indian veterans. ``(vii) Consultation.-- ``(I) Grant recipients; tribal organizations.--The Secretary, in coordination with the Secretary of Veterans Affairs, shall consult with eligible recipients and any other appropriate Tribal organization on the design of the Program to ensure the effective delivery of rental assistance and supportive services to eligible Indian veterans under the Program. ``(II) Indian health service.--The Director of the Indian Health Service shall provide any assistance requested by the Secretary or the Secretary of Veterans Affairs in carrying out the Program. ``(viii) Waiver.-- ``(I) In general.--Except as provided in subclause (II), the Secretary may waive or specify alternative requirements for any provision of law (including regulations) that the Secretary administers in connection with the use of rental assistance made available under the Program if the Secretary finds that the waiver or alternative requirement is necessary for the effective delivery and administration of rental assistance under the Program to eligible Indian veterans. ``(II) Exception.--The Secretary may not waive or specify alternative requirements under subclause (I) for any provision of law (including regulations) relating to labor standards or the environment. ``(ix) Renewal grants.--The Secretary may-- ``(I) set aside, from amounts made available for tenant-based rental assistance under this subsection and without regard to the amounts used for new grants under clause (ii), such amounts as may be necessary to award renewal grants to eligible recipients that received a grant under the Program in a previous year; and ``(II) specify criteria that an eligible recipient must satisfy to receive a renewal grant under subclause (I), including providing data on how the eligible recipient used the amounts of any grant previously received under the Program. ``(x) Reporting.--Not later than 1 year after the date of enactment of this subparagraph, and every 5 years thereafter, the Secretary, in coordination with the Secretary of Veterans Affairs and the Director of the Indian Health Service, shall-- ``(I) conduct a review of the implementation of the Program, including any factors that may have limited its success; and ``(II) submit a report describing the results of the review under item (aa) to-- ``(aa) the Committee on Indian Affairs, the Committee on Banking, Housing, and Urban Affairs, the Committee on Veterans' Affairs, and the Committee on Appropriations of the Senate; and ``(bb) the Subcommittee on Indian and Insular Affairs of the Committee on Natural Resources, the Committee on Financial Services, the Committee on Veterans' Affairs, and the Committee on Appropriations of the House of Representatives. ``(xi) Impact on formula current assisted stock.--For a given fiscal year's allocation formula of the Native American Housing Block Grants program, as authorized under title I of the Native American Housing Assistance and Self-Determination Act of 1996 (25 U.S.C. 4111 et seq.), the number of qualifying low-income housing dwelling units under section 302(b)(1) of the Native American Housing Assistance and Self-Determination Act of 1996 (25 U.S.C. 4152(b)(1)) may not be reduced due to the placement of an eligible Indian veteran assisted with amounts provided under the Program within such qualifying units.''. SEC. 19. CONTINUUM OF CARE. Title IV of the McKinney-Vento Homeless Assistance Act (42 U.S.C. 11360 et seq.) is amended-- (1) in section 401 (42 U.S.C. 11360)-- (A) by redesignating paragraphs (32) through (35) as paragraphs (33) through (36), respectively; and (B) by inserting after paragraph (31) the following: ``(32) Tribally designated housing entity.--The term `tribally designated housing entity' has the meaning given the term in section 4 of the Native American Housing Assistance and Self-Determination Act of 1996 (25 U.S.C. 4103).''; (2) in section 423(g) (42 U.S.C. 11383(g)), by inserting ``Indian Tribe, tribally designated housing entity,'' after ``private nonprofit organization,''; and (3) in section 435 (42 U.S.C. 11389)-- (A) by striking ``(as defined in section 4 of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4103))''; (B) by striking ``Notwithstanding'' and inserting the following: ``(a) Eligible Entities.--Notwithstanding''; and (C) by adding at the end the following: ``(b) Civil Rights Exemptions.--With respect to grants awarded to carry out eligible activities under this subtitle, title VI of the Civil Rights Act of 1964 (42 U.S.C. 2000d et seq.) and title VIII of the Civil Rights Act of 1968 (42 U.S.C. 3601 et seq.) shall not apply to applications or awards for projects to be carried out-- ``(1) on or off reservation or trust lands for awards made to Indian Tribes or tribally designated housing entities; ``(2) on reservation or trust lands for awards made to eligible entities; or ``(3) with respect to a project in which amounts provided under this Act will be used specifically to benefit Tribal communities or Tribal members, in formula areas (as such term is defined in section 1000.302 of title 24, Code of Federal Regulations, or any successor regulation) for the Indian Housing Block Grant. ``(c) Certification.--Notwithstanding section 106 of the Cranston- Gonzalez National Affordable Housing Act (42 U.S.C. 12706) and section 403 of this Act, with respect to applications for projects to be carried out on reservations or trust land using grants awarded under this subtitle-- ``(1) the applications shall contain a certification of consistency with an approved Indian housing plan developed under section 102 of the Native American Housing Assistance and Self-Determination Act (25 U.S.C. 4112); and ``(2) Indian Tribes and tribally designated housing entities that are recipients of awards for projects on reservations or trust land from such funds shall certify that they are following an approved housing plan developed under section 102 of the Native American Housing Assistance and Self- Determination Act (25 U.S.C. 4112). ``(d) Consolidated Plan Exemption.--A collaborative applicant for a Continuum of Care whose geographic area includes only reservation or trust land is not required to meet the requirement described in section 402(f)(2). ``(e) Waiver Authority for Tribal Participation.--In administering the amounts made available under this Act, the Secretary may waive, or specify alternative requirements for, any provision of any statute or regulation that the Secretary administers in connection with the obligation by the Secretary or the use by the recipient of these amounts (except for requirements related to labor standards and the environment), if the Secretary finds that good cause exists for the waiver or alternative requirement and such waiver or alternative requirement is necessary to modify any requirements preventing the participation of Indian Tribes or tribally designated housing entity in the Continuum of Care Program, or would expedite or facilitate the use of funds.''. SEC. 20. STREAMLINING REPORTING REQUIREMENTS. Section 404 of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4164) is amended-- (1) by redesignating subsection (d) as subsection (e); and (2) by inserting after subsection (c) the following: ``(d) Consolidated Reporting.--Notwithstanding any other provision of law, the Secretary shall develop policies and procedures that authorize interested Indian Tribes and tribally designated housing entities receiving grant amounts under this Act to submit to the Secretary, at their discretion, one consolidated annual performance report covering all grants the Indian Tribe or tribally designated housing entity receives from other grant programs administered by the Secretary.''. SEC. 21. APPLICATION OF BUILD AMERICA, BUY AMERICA REQUIREMENTS. The requirements under the Build America, Buy America Act (41 U.S.C. 8301 note) and any implementing regulations or guidance shall not apply to any housing activities carried out using any Federal financial assistance provided to Indian tribes, tribally designated housing entities, tribal organizations, and other Tribal entities (including the Department of Hawaiian Home Lands) under any Federal program. <all>\n--- KONIEC DOKUMENTU ---\n\nPAMIĘTAJ: Twoja odpowiedź MUSI być wyłącznie poprawnym obiektem JSON. Nie dodawaj żadnych dodatkowych znaków, komentarzy ani tekstu przed znacznikiem '{' ani po znaczniku '}'. Cała odpowiedź musi być parsowalna jako JSON.\nNa podstawie POWYŻSZEGO dokumentu, wypełnij poniższą strukturę JSON:\nOto struktura JSON, której oczekuję (wypełnij ją treścią):\n{\n  \"pl_ai_title\": \"Nowy, krótki tytuł dla aktu prawnego po polsku, oddający sedno wprowadzanych zmian (np. maksymalnie 10-12 słów).\",\n  \"pl_summary\": \"2-3 zdania zwięzłego podsumowania treści aktu prawnego po polsku, napisane z perspektywy wpływu na życie codzienne obywateli.\",\n  \"pl_key_points\": [\n    \"Pierwszy krótki punkt po polsku dotyczący najważniejszych wprowadzanych rozwiązań lub zmian.\",\n    \"Drugi krótki punkt po polsku...\"\n  ],\n  \"eng_ai_title\": \"A new, short title for the legal act in English, capturing the essence of the changes (e.g., max 10-12 words).\",\n  \"eng_summary\": \"2-3 sentences summarizing the legal act in English, from the perspective of its impact on citizens' daily lives.\",\n  \"eng_key_points\": [\n    \"First short bullet point in English regarding the most important solutions or changes being introduced.\",\n    \"Second short bullet point in English...\"\n  ],\n  \"de_ai_title\": \"Ein neuer, kurzer Titel für das Rechtsdokument auf Deutsch, der den Kern der Änderungen erfasst (z.B. max. 10-12 Wörter).\",\n  \"de_summary\": \"2-3 Sätze Zusammenfassung des Rechtsdokuments auf Deutsch, aus der Perspektive seiner Auswirkungen auf das tägliche Leben der Bürger.\",\n  \"de_key_points\": [\n    \"Erster kurzer Stichpunkt auf Deutsch zu den wichtigsten eingeführten Lösungen oder Änderungen.\",\n    \"Zweiter kurzer Stichpunkt auf Deutsch...\"\n  ],\n  \"fr_ai_title\": \"Un nouveau titre court pour l'acte juridique en français, saisissant l'essence des changements (par exemple, 10-12 mots maximum).\",\n  \"fr_summary\": \"Résumé de 2-3 phrases de l'acte juridique en français, du point de vue de son impact sur la vie quotidienne des citoyens.\",\n  \"fr_key_points\": [\n    \"Premier court point en français concernant les solutions ou changements les plus importants introduits.\",\n    \"Deuxième court point en français...\"\n  ],\n  \"es_ai_title\": \"Un nuevo título breve para el acto jurídico en español, que recoja la esencia de los cambios (por ejemplo, máximo 10-12 palabras).\",\n  \"es_summary\": \"Resumen de 2-3 frases del acto jurídico en español, desde la perspectiva de su impacto en la vida cotidiana de los ciudadanos.\",\n  \"es_key_points\": [\n    \"Primer punto breve en español sobre las soluciones o cambios más importantes que se introducen.\",\n    \"Segundo punto breve en español...\"\n  ],\n  \"it_ai_title\": \"Un nuovo titolo breve per l'atto giuridico in italiano, che colga l'essenza delle modifiche (ad es. massimo 10-12 parole).\",\n  \"it_summary\": \"Riepilogo di 2-3 frasi dell'atto giuridico in italiano, dal punto di vista del suo impatto sulla vita quotidiana dei cittadini.\",\n  \"it_key_points\": [\n    \"Primo breve punto in italiano riguardante le soluzioni o le modifiche più importanti introdotte.\",\n    \"Secondo breve punto in italiano...\"\n  ],\n  \"nl_ai_title\": \"Een nieuwe, korte titel voor de rechtshandeling in het Nederlands, die de essentie van de wijzigingen weergeeft (bijv. max. 10-12 woorden).\",\n  \"nl_summary\": \"Samenvatting van 2-3 zinnen van de rechtshandeling in het Nederlands, vanuit het perspectief van de impact op het dagelijks leven van burgers.\",\n  \"nl_key_points\": [\n    \"Eerste korte punt in het Nederlands betreffende de belangrijkste geïntroduceerde oplossingen of wijzigingen.\",\n    \"Tweede korte punt in het Nederlands...\"\n  ],\n  \"pt_ai_title\": \"Um novo título curto para o ato jurídico em português, capturando a essência das mudanças (por exemplo, máx. 10-12 palavras).\",\n  \"pt_summary\": \"Resumo de 2-3 frases do ato jurídico em português, na perspetiva do seu impacto na vida quotidiana dos cidadãos.\",\n  \"pt_key_points\": [\n    \"Primeiro ponto curto em português sobre as soluções ou alterações mais importantes introduzidas.\",\n    \"Segundo ponto curto em português...\"\n  ],\n  \"category\": [\"Categorize the document into one category by default, based on the field it primarily concerns. Choose up to 3 if the document also touches upon SIGNIFICANT issues from other categories. You MUST select categories ONLY from the following list: Health, Education, Family, Taxes, Labor, Security, Environment, Courts and Law, Transport, Benefits, Real Estate, Media and Culture, Local Government, Migration, Agriculture, Public Investments, Informatization, Economy. If the document does not definitively fit any of these, you MUST use \"Other\". If you use \"Other\", it should be the ONLY category selected. Do NOT invent new categories. The response must be an array of strings, e.g., [\"Taxes\", \"Family\"].\"]\n}\n\n",
      "ai_response_raw": "{\n  \"pl_ai_title\": \"Modernizacja wsparcia mieszkaniowego dla rdzennych Amerykanów i Hawajczyków 2026\",\n  \"pl_summary\": \"Ustawa przedłuża i usprawnia programy pomocy mieszkaniowej dla społeczności rdzennych Amerykanów i Hawajczyków do 2032 roku. Zmiany ułatwiają dostęp do kredytów hipotecznych, wspierają bezdomnych weteranów oraz przyspieszają budowę nowych domów poprzez uproszczenie formalności.\",\n  \"pl_key_points\": [\n    \"Przedłużenie finansowania programów budownictwa społecznego i remontów do 2032 roku.\",\n    \"Wprowadzenie 99-letnich dzierżaw gruntów, co ułatwia stabilne planowanie miejsca zamieszkania.\",\n    \"Uruchomienie specjalnego programu dopłat do czynszu dla bezdomnych lub zagrożonych bezdomnością weteranów.\",\n    \"Uproszczenie przepisów środowiskowych dla mniejszych inwestycji mieszkaniowych (do 250 tys. dolarów).\",\n    \"Możliwość wydłużenia okresu spłaty gwarantowanych kredytów mieszkaniowych do 40 lat w określonych sytuacjach.\",\n    \"Wprowadzenie pomocy finansowej na zakwaterowanie dla studentów pochodzących ze społeczności plemiennych.\",\n    \"Zwolnienie plemiennych projektów mieszkaniowych z niektórych restrykcyjnych wymogów dotyczących zakupu materiałów budowlanych.\"\n  ],\n  \"eng_ai_title\": \"Native American Housing Assistance and Self-Determination Modernization Act of 2026\",\n  \"eng_summary\": \"This act extends and improves housing assistance programs for Native American and Native Hawaiian communities through 2032. It simplifies home loan access, supports homeless veterans, and speeds up home construction by reducing bureaucratic red tape.\",\n  \"eng_key_points\": [\n    \"Extension of funding for social housing and renovation programs until 2032.\",\n    \"Introduction of 99-year land leases to provide long-term residential stability.\",\n    \"Creation of a dedicated rental assistance program for homeless or at-risk Indian veterans.\",\n    \"Streamlining environmental review processes for smaller housing projects under $250,000.\",\n    \"Allowing guaranteed home loan terms to be extended up to 40 years for loan modifications.\",\n    \"New financial support for college housing for students from tribal communities.\",\n    \"Exemption of tribal housing projects from certain restrictive federal material purchasing requirements.\"\n  ],\n  \"de_ai_title\": \"Modernisierung der Wohnungsbauhilfe für amerikanische Ureinwohner 2026\",\n  \"de_summary\": \"Dieses Gesetz verlängert und verbessert die Wohnungsbauprogramme für amerikanische Ureinwohner und Hawaiianer bis 2032. Es erleichtert den Zugang zu Hypotheken, unterstützt obdachlose Veteranen und beschleunigt den Wohnungsbau durch Bürokratieabbau.\",\n  \"de_key_points\": [\n    \"Verlängerung der Finanzierung für sozialen Wohnungsbau und Renovierungen bis 2032.\",\n    \"Einführung von 99-jährigen Pachtverträgen für mehr langfristige Planungssicherheit.\",\n    \"Einrichtung eines speziellen Mietbeihilfeprogramms für obdachlose oder gefährdete indigene Veteranen.\",\n    \"Vereinfachung von Umweltprüfungen für kleinere Bauprojekte bis zu 250.000 US-Dollar.\",\n    \"Möglichkeit, die Laufzeit garantierter Wohnungsbaudarlehen in Sonderfällen auf 40 Jahre zu verlängern.\",\n    \"Finanzielle Unterstützung für die Unterbringung von Studenten aus Stammesgemeinschaften.\",\n    \"Befreiung von bestimmten restriktiven Bundesvorschriften beim Kauf von Baumaterialien.\"\n  ],\n  \"fr_ai_title\": \"Modernisation de l'aide au logement pour les Amérindiens et les Hawaïens 2026\",\n  \"fr_summary\": \"Cette loi prolonge et améliore les programmes d'aide au logement pour les communautés amérindiennes et hawaïennes jusqu'en 2032. Elle facilite l'accès aux prêts immobiliers, soutient les vétérans sans-abri et accélère la construction de logements en simplifiant les formalités.\",\n  \"fr_key_points\": [\n    \"Prolongation du financement des programmes de logement social et de rénovation jusqu'en 2032.\",\n    \"Introduction de baux fonciers de 99 ans pour assurer une plus grande stabilité résidentielle.\",\n    \"Création d'un programme spécial d'aide au loyer pour les vétérans amérindiens sans-abri ou à risque.\",\n    \"Simplification des examens environnementaux pour les petits projets de logement (moins de 250 000 $).\",\n    \"Possibilité d'étendre la durée des prêts immobiliers garantis jusqu'à 40 ans pour certaines modifications.\",\n    \"Soutien financier pour le logement étudiant des membres des communautés tribales.\",\n    \"Exemption des projets de logement tribaux de certaines exigences fédérales d'achat de matériaux.\"\n  ],\n  \"es_ai_title\": \"Modernización de la Asistencia de Vivienda para Nativos Americanos 2026\",\n  \"es_summary\": \"Esta ley extiende y mejora los programas de ayuda para la vivienda de las comunidades nativas americanas y hawaianas hasta 2032. Facilita el acceso a préstamos hipotecarios, apoya a veteranos sin hogar y agiliza la construcción mediante la reducción de trámites.\",\n  \"es_key_points\": [\n    \"Extensión del financiamiento para programas de vivienda social y renovación hasta 2032.\",\n    \"Introducción de contratos de arrendamiento de tierras por 99 años para mayor estabilidad a largo plazo.\",\n    \"Creación de un programa especial de asistencia para el alquiler destinado a veteranos indígenas sin hogar.\",\n    \"Simplificación de las revisiones ambientales para proyectos de vivienda menores a 250,000 dólares.\",\n    \"Posibilidad de extender el plazo de préstamos hipotecarios garantizados hasta 40 años en casos específicos.\",\n    \"Apoyo financiero para el alojamiento de estudiantes universitarios de comunidades tribales.\",\n    \"Exención de ciertos requisitos federales de compra de materiales para proyectos de vivienda tribales.\"\n  ],\n  \"it_ai_title\": \"Modernizzazione dell'assistenza abitativa per i nativi americani 2026\",\n  \"it_summary\": \"Questa legge estende e migliora i programmi di assistenza abitativa per le comunità dei nativi americani e hawaiani fino al 2032. Facilita l'accesso ai mutui, sostiene i veterani senza fissa dimora e accelera la costruzione di case riducendo la burocrazia.\",\n  \"it_key_points\": [\n    \"Proroga dei finanziamenti per l'edilizia sociale e le ristrutturazioni fino al 2032.\",\n    \"Introduzione di contratti di locazione del terreno a 99 anni per una maggiore stabilità abitativa.\",\n    \"Creazione di un programma speciale di assistenza all'affitto per i veterani nativi senza tetto.\",\n    \"Semplificazione delle verifiche ambientali per i piccoli progetti edilizi sotto i 250.000 dollari.\",\n    \"Possibilità di estendere la durata dei mutui garantiti fino a 40 anni per le modifiche ai prestiti.\",\n    \"Sostegno finanziario per l'alloggio degli studenti universitari provenienti dalle tribù.\",\n    \"Esenzione dei progetti abitativi tribali da alcuni vincoli federali sull'acquisto di materiali.\"\n  ],\n  \"nl_ai_title\": \"Modernisering van huisvestingsbijstand voor inheemse Amerikanen 2026\",\n  \"nl_summary\": \"Deze wet verlengt en verbetert de huisvestingsprogramma's voor inheemse Amerikaanse en Hawaiiaanse gemeenschappen tot 2032. Het vergemakkelijkt de toegang tot hypotheken, ondersteunt dakloze veteranen en versnelt de woningbouw door minder regels.\",\n  \"nl_key_points\": [\n    \"Verlenging van de financiering voor sociale woningbouw en renovaties tot 2032.\",\n    \"Invoering van erfpachtcontracten van 99 jaar voor meer woonzekerheid op lange termijn.\",\n    \"Oprichting van een speciaal huurtoeslagprogramma voor dakloze of kwetsbare inheemse veteranen.\",\n    \"Vereenvoudiging van milieucontroles voor kleinere woningbouwprojecten tot 250.000 dollar.\",\n    \"Mogelijkheid om de looptijd van gegarandeerde woningleningen te verlengen tot 40 jaar.\",\n    \"Financiële steun voor de huisvesting van studenten uit stamgemeenschappen.\",\n    \"Vrijstelling van bepaalde federale inkoopregels voor bouwmaterialen bij stamprojecten.\"\n  ],\n  \"pt_ai_title\": \"Modernização da Assistência à Habitação para Nativos Americanos 2026\",\n  \"pt_summary\": \"Esta lei prorroga e melhora os programas de assistência à habitação para as comunidades nativas americanas e havaianas até 2032. Facilita o acesso a empréstimos, apoia veteranos sem-abrigo e acelera a construção ao reduzir a burocracia.\",\n  \"pt_key_points\": [\n    \"Prorrogação do financiamento para programas de habitação social e renovação até 2032.\",\n    \"Introdução de arrendamentos de terras por 99 anos para garantir estabilidade residencial a longo prazo.\",\n    \"Criação de um programa especial de auxílio ao aluguer para veteranos indígenas sem-abrigo.\",\n    \"Simplificação das revisões ambientais para pequenos projetos de habitação (até 250 mil dólares).\",\n    \"Possibilidade de estender o prazo de empréstimos habitacionais garantidos para até 40 anos.\",\n    \"Apoio financeiro para alojamento de estudantes universitários de comunidades tribais.\",\n    \"Isenção de projetos habitacionais tribais de certas exigências federais de compra de materiais.\"\n  ],\n  \"category\": [\"Real Estate\", \"Benefits\", \"Local Government\"]\n}"
    },
    {
      "timestamp": "2026-04-13T14:34:45.860Z",
      "source_url": "https://www.congress.gov/119/bills/hr8092/BILLS-119hr8092ih.htm",
      "model": "gemini-flash-lite-latest",
      "prompt_sent": "\nROLE: Fact Checker.\nZADANIE: Porównaj SOURCE (oryginał) i SUMMARY (streszczenie przygotowane przez inne AI).\n\nTwoim celem jest wykrycie \"ZMYŚLONYCH KONKRETÓW\" (Fabricated Entities) w SUMMARY.\n\nSOURCE:\n[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.R. 8092 Introduced in House (IH)] <DOC> 119th CONGRESS 2d Session H. R. 8092 To reauthorize the Native American Housing Assistance and Self- Determination Act of 1996, and for other purposes. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES March 26, 2026 Mr. Downing (for himself, Ms. Bynum, Mr. Cole, Mr. Lucas, Mr. Huizenga, Mrs. Wagner, Mr. Meuser, Mr. Haridopolos, Mr. Lawler, Ms. De La Cruz, Mr. Barr, Mr. Steil, Mr. Davidson, Mr. Stutzman, Mr. Loudermilk, Mr. Zinke, Mr. Bacon, Mr. Fleischmann, Mr. Johnson of South Dakota, Mrs. Fedorchak, Mr. Simpson, Mr. Liccardo, Ms. Moore of Wisconsin, Ms. Davids of Kansas, Ms. Craig, Mr. Davis of North Carolina, Mr. Vasquez, Mr. Larsen of Washington, Mr. Stanton, Mr. Keating, Ms. Leger Fernandez, Ms. Pingree, Ms. Stansbury, Mr. Bentz, and Mr. Nunn of Iowa) introduced the following bill; which was referred to the Committee on Financial Services _______________________________________________________________________ A BILL To reauthorize the Native American Housing Assistance and Self- Determination Act of 1996, and for other purposes. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. SHORT TITLE; TABLE OF CONTENTS. (a) Short Title.--This Act may be cited as the ``Native American Housing Assistance and Self-Determination Modernization Act of 2026''. (b) Table of Contents.--The table of contents for this Act is as follows: Sec. 1. Short title; Table of contents. Sec. 2. Consolidation of environmental review requirements. Sec. 3. Authorization of appropriations. Sec. 4. Student housing assistance. Sec. 5. Clarification of application of rent rule only to units owned or operated by Indian Tribe or tribally designated housing entity. Sec. 6. Deadline for action on request for approval regarding exceeding TDC maximum cost for project. Sec. 7. Homeownership or lease-to-own low-income requirement and income targeting. Sec. 8. Lease requirements and tenant selection. Sec. 9. Statutory authority to suspend grant funds in emergencies. Sec. 10. Reports to Congress. Sec. 11. 99-year leasehold interest in trust or restricted lands for housing purposes. Sec. 12. Reauthorization of housing assistance for Native Hawaiians. Sec. 13. Community-based development organizations and special activities by Indian Tribes. Sec. 14. Housing counseling certification waiver. Sec. 15. Eligibility for housing counseling grants. Sec. 16. Section 184 Indian home loan guarantee program. Sec. 17. Loan guarantees for Native Hawaiian housing. Sec. 18. Rental assistance for homeless or at-risk Indian veterans. Sec. 19. Continuum of care. Sec. 20. Streamlining reporting requirements. Sec. 21. Application of Build America, Buy America requirements. SEC. 2. CONSOLIDATION OF ENVIRONMENTAL REVIEW REQUIREMENTS. Section 105 of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4115) is amended-- (1) in subsection (c)(2) by adding after ``other officer of the Tribe'' the following: ``, or a tribally designated housing entity official designated by the Tribe,''; (2) in subsection (d)-- (A) by redesignating paragraphs (1) through (4) as subparagraphs (A) through (D), respectively; (B) by striking ``The Secretary may'' and inserting the following: ``(1) In general.--The Secretary shall''; and (C) by adding at the end the following: ``(2) Waiver request.--The Secretary shall act upon a waiver request submitted under this subsection within 60 days after receipt of such request.''; and (3) by adding at the end the following new subsections: ``(e) Consolidation of Environmental Review Requirements.--For assistance provided under this Act, including under title VIII of this Act, and grants to Indian Tribes issued under title I of the Housing and Community Development Act of 1974 (42 U.S.C. 5301 et seq.), the Indian Tribe or the Director of the Department of Hawaiian Home Lands shall be deemed to be in compliance with the environmental review requirements under this section or section 806 of this Act, title I of the Housing and Community Development Act of 1974, and the National Environmental Policy Act of 1969 (42 U.S.C. 4321 et seq.), with regard to such project and to discharge any applicable environmental review requirements that might apply to Federal agencies with respect to the use of additional Federal funding sources for that project, if-- ``(1) a recipient is using 1 or more sources of Federal funds in addition to grant amounts under this Act or in addition to a grant made to an Indian Tribe under title I of the Housing and Community Development Act of 1974; ``(2) such other sources of Federal funds do not exceed 49 percent of the Federal share of the project cost; and ``(3) the recipient's Indian Tribe or the Director of the Department of Hawaiian Home Lands has assumed all of the responsibilities for environmental review, decision-making, and action pursuant to this section, section 806 of this Act, or title I of the Housing and Community Development Act of 1974. ``(f) Environmental Streamlining.--For activities assisted under this Act, including title VIII of this Act, or assisted with a grant to an Indian Tribe under title I of the Housing and Community Development Act (42 U.S.C. 5301 et seq.), each of the following apply: ``(1) General exemption.--Notwithstanding any other provision of law, activities are exempt from any environmental review requirements where-- ``(A) similar statutory exemptions apply to comparable activities of other Federal agencies; ``(B) the activity is an affordable housing activity having a total cost of not more than $250,000; ``(C) the activity is acquisition of property, including long-term equipment, funded using non-Federal sources; or ``(D) the activity involves the rehabilitation of a structure and-- ``(i) the cost of the rehabilitation is less than fifty percent of the market value of the structure before rehabilitation; and ``(ii) the rehabilitation involves no ground disturbance, footprint change, or historic structure. ``(2) Radon exemption.--Notwithstanding any other provision of law, the Secretary may not require recipients (including the Director under title VIII of this Act) and Indian Tribes to consider or test for radon in the environmental review. Nothing in this provision shall be construed to limit the authority of a recipient (including the Director under title VIII of this Act) and an Indian Tribe to consider, test for, and mitigate radon. ``(3) Lead testing.-- ``(A) Testing.--Lead paint testing of target housing that is in a remote area, and that is being rehabilitated, renovated, repaired, or painted in a manner that will repair or disturb building components that are painted or coated, must be conducted via-- ``(i) paint chip testing, lead-based paint inspection, visual assessment for deteriorated paint, or a lead risk assessment for lead-based paint hazards, as applicable in accordance with section 1012 of the Residential Lead-Based Paint Hazard Reduction Act of 1992; or ``(ii) visual assessment for deteriorated paint and use of EPA-recognized lead test kits in accordance with sections 402 or 404, as applicable, of the Toxic Substances Control Act (15 U.S.C. 2682, 2684) on each building component that is painted or coated and is to be disturbed. ``(B) Definitions.--In this paragraph: ``(i) Remote area.--The term `Remote Area' means as the area of a United States Postal Service ZIP Code that has a level 1 Frontier and Remote Area code as most recently posted on the website of the Department of Agriculture. ``(ii) Target housing.--The term `Target Housing' has the meaning given the term in section 1004(27) of the Residential Lead-Based Paint Hazard Reduction Act of 1992 (42 U.S.C. 4851b(27)) assisted under the Native American Housing Assistance and Self-Determination Act of 1996. ``(4) Siting of hud projects near explosive and flammable hazards.-- ``(A) In general.--Recipients carrying out activities under this Act (including the Director under title VIII of this Act) or Indian Tribe carrying out activities under title I of the Housing and Community Development Act shall be exempt from the Secretary's acceptable separation distance requirements and mitigation for residential tanks when the tank-- ``(i) has a capacity of 1,320 gallons or less; ``(ii) is intended to contain common liquid fuels such as gasoline, fuel oil, kerosene, diesel, liquified petroleum gas (propane), or crude oil; ``(iii) is sited on land or property that contains a one- to four-family dwelling; ``(iv) is intended to be used solely by residents of such dwelling; and ``(v) is intended to be used by residents of such dwelling exclusively for non- commercial, non-industrial purposes. ``(B) Rule of construction.--Nothing in this provision shall be construed to limit the authority of a recipient (including the Director under title VIII of this Act) or an Indian Tribe to consider acceptable separation distance or implement mitigation measures. ``(C) Application.--The Secretary's acceptable separation distance requirements between a residential structure assisted with funds under this Act (or assisted with funds under a grant to an Indian Tribe under title 1 of the Housing and Community Development Act) and an above-ground storage tank used to store hazardous substances as defined in subpart C of part 51 of title 24, Code of Federal Regulations, or successor regulation, including mitigation measures, do not apply if the Indian Tribe or recipient (including the Director under title VIII of this Act) determines that-- ``(i) inapplicability of the requirements is necessary to address the housing needs of the Indian Tribe or recipient (including the Director under title VIII of this Act); ``(ii) the use of an alternative standard, or the absence of a standard, does not present an unacceptable risk to the health or safety of residents; and ``(iii) the Indian Tribe or recipient (including the Director under title VIII of this Act) has provided notice and an opportunity for comment to residents of the affected area regarding the inapplicability of the requirements, and has developed a safety and response plan. ``(5) Streamlining wetland requirements.--The Secretary may not apply additional requirements involving protection of wetlands in instances where an affected wetland requires a U.S. Army Corps of Engineers General, Regional, or individual permit and the Indian Tribe or recipient (including the Director under title VIII of this Act) complies with permit conditions.''. SEC. 3. AUTHORIZATION OF APPROPRIATIONS. Section 108 of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4117) is amended, in the first sentence, by striking ``2009 through 2013'' and inserting ``2026 through 2032''. SEC. 4. STUDENT HOUSING ASSISTANCE. Section 202(3) of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4132(3)) is amended by inserting ``including college housing assistance,'' after ``self-sufficiency and other services,''. SEC. 5. CLARIFICATION OF APPLICATION OF RENT RULE ONLY TO UNITS OWNED OR OPERATED BY INDIAN TRIBE OR TRIBALLY DESIGNATED HOUSING ENTITY. Section 203(a) of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4133(a)) is amended-- (1) in paragraph (2), by inserting ``owned or operated by a recipient and'' after ``residing in a dwelling unit''; and (2) by adding at the end the following: ``(3) Self-determination.--Notwithstanding paragraph (2), recipients may establish their own policies governing maximum and minimum rents and homebuyer payments for dwelling units assisted under this Act, provided such policies are written and made publicly available.''. SEC. 6. DEADLINE FOR ACTION ON REQUEST FOR APPROVAL REGARDING EXCEEDING TDC MAXIMUM COST FOR PROJECT. (a) Approval.--Section 103 of the Native American Housing Assistance and Self-Determination Act of 1996 (25 U.S.C. 4113) is amended by adding at the end the following new subsection: ``(f) Deadline for Action on Request To Exceed TDC Maximum.-- ``(1) Deadline.--A request for approval by the Secretary to exceed by more than 10 percent the total development cost maximum cost for a project shall be approved or denied during the 60-day period that begins on the date that the Secretary receives the request. ``(2) No response by secretary.--If the Secretary does not respond to a request in the 60-day period described in paragraph (1), the request shall be deemed approved.''. (b) Definition.--Section 4 of the Native American Housing Assistance and Self-Determination Act of 1996 (25 U.S.C. 4103) is amended-- (1) by redesignating paragraph (22) as paragraph (23); and (2) by inserting after paragraph (21) the following new paragraph: ``(22) Total development cost.--The term `total development cost' means, with respect to a housing project, the sum of all costs for the project, including all undertakings necessary for administration, planning, site acquisition, demolition, construction or equipment and financing (including payment of carrying charges), and for otherwise carrying out the development of the project, excluding off-site water and sewer. The total development cost amounts shall be based on a moderately designed house and determined by averaging the current construction costs as listed in not less than two nationally recognized residential construction cost indices.''. SEC. 7. HOMEOWNERSHIP OR LEASE-TO-OWN LOW-INCOME REQUIREMENT AND INCOME TARGETING. Section 205 of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4135) is amended-- (1) in subsection (a)(1)-- (A) in subparagraph (C), by striking ``and'' at the end; and (B) by adding at the end the following: ``(E) notwithstanding any other provision of this paragraph, in the case of rental housing that is made available to a current rental family for conversion to a homebuyer or a lease-purchase unit-- ``(i) that the current rental family can purchase through a contract of sale, lease- purchase agreement, or any other sales agreement; and ``(ii) the housing is made available for purchase only by the current rental family, if the rental family was a low-income family at the time of their initial occupancy of such unit; and''; and (2) in subsection (c)-- (A) by striking ``The provisions'' and inserting the following: ``(1) In general.--The provisions''; and (B) by adding at the end the following: ``(2) Applicability to improvements.--The provisions of subsection (a)(2) regarding binding commitments for the remaining useful life of property shall not apply to improvements of privately owned homes if the cost of the improvements do not exceed 10 percent of the maximum total development cost for the home.''. SEC. 8. LEASE REQUIREMENTS AND TENANT SELECTION. Section 207 of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4137) is amended by adding at the end the following: ``(c) Notice of Termination.--The notice period described in subsection (a)(3) shall apply to projects and programs funded in part by amounts authorized under this Act.''. SEC. 9. STATUTORY AUTHORITY TO SUSPEND GRANT FUNDS IN EMERGENCIES. Section 401(a)(4) of the Native American Housing Assistance and Self-Determination Act of 1996 (25 U.S.C. 4161(a)(4)) is amended-- (1) in subparagraph (A), by striking ``may take an action described in paragraph (1)(C)'' and inserting ``may immediately take an action described in paragraph (1)(C)''; and (2) by striking subparagraph (B) and inserting the following: ``(B) Procedural requirements.-- ``(i) In general.--If the Secretary takes an action described in subparagraph (A), the Secretary shall provide notice to the recipient at the time that the Secretary takes that action. ``(ii) Notice requirements.--The notice under clause (i) shall inform the recipient that the recipient may request a hearing by not later than 30 days after the date on which the Secretary provides the notice. ``(iii) Hearing requirements.--A hearing requested under clause (ii) shall be conducted-- ``(I) in accordance with subpart A of part 26 of title 24, Code of Federal Regulations (or successor regulations); and ``(II) to the maximum extent practicable, on an expedited basis. ``(iv) Failure to conduct a hearing.--If a hearing requested under clause (ii) is not completed by the date that is 180 days after the date on which the recipient requests the hearing, the action of the Secretary to limit the availability of payments shall no longer be effective.''. SEC. 10. REPORTS TO CONGRESS. Section 407 of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4167) is amended-- (1) in subsection (a), by striking ``Congress'' and inserting ``Committee on Indian Affairs and the Committee on Banking, Housing, and Urban Affairs of the Senate and the Committee on Financial Services of the House of Representatives''; and (2) by adding at the end the following: ``(c) Public Availability.--The report described in subsection (a) shall be made publicly available, including to recipients.''. SEC. 11. 99-YEAR LEASEHOLD INTEREST IN TRUST OR RESTRICTED LANDS FOR HOUSING PURPOSES. Section 702 of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4211) is amended-- (1) in the section heading, by striking ``50-year'' and inserting ``99-year''; (2) in subsection (b), by striking ``50 years'' and inserting ``99 years''; and (3) in subsection (c)(2), by striking ``50 years'' and inserting ``99 years''. SEC. 12. REAUTHORIZATION OF HOUSING ASSISTANCE FOR NATIVE HAWAIIANS. Section 824 of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4243) is amended by striking ``for each of fiscal years 2001, 2002, 2003, 2004, and 2005'' and inserting ``each of fiscal years 2026 through 2032.''. SEC. 13. COMMUNITY-BASED DEVELOPMENT ORGANIZATIONS AND SPECIAL ACTIVITIES BY INDIAN TRIBES. Section 105 of the Housing and Community Development Act of 1974 (42 U.S.C. 5305) is amended by adding at the end the following: ``(i) Indian Tribes, Tribally Designated Housing Entities, and Tribal Organizations as Community-Based Development Organizations.-- ``(1) Definitions.--In this subsection: ``(A) Tribally designated housing entity.--The term `tribally designated housing entity' has the meaning given the term in section 4 of the Native American Housing Assistance and Self-Determination Act of 1996 (25 U.S.C. 4103). ``(B) Tribal organization.--The term `Tribal organization' has the meaning given the term in section 4 of the Indian Self-Determination and Education Assistance Act (25 U.S.C. 5304). ``(2) Qualification.--An Indian Tribe, a tribally designated housing entity, or a Tribal organization shall qualify as a community-based development organization for purposes of carrying out new housing construction under this subsection for a grant made under section 106(a)(1). ``(j) Special Activities by Indian Tribes.--An Indian Tribe (or a Tribal organization or Tribally designated housing entity designated by such Indian Tribe) receiving a grant under section 106(a)(1) shall be authorized to directly carry out activities described in subsection (a)(15).''. SEC. 14. HOUSING COUNSELING CERTIFICATION WAIVER. Subtitle A of title II of the Native American Housing Assistance and Self-Determination Act of 1996 (25 U.S.C. 4131 et seq.) is amended by adding at the end the following new section: ``SEC. 211. HOUSING COUNSELING CERTIFICATION WAIVER. ``Notwithstanding section 106(g)(1) of the Housing and Urban Development Act of 1968 (12 U.S.C. 1701x(g)(1)), Indian Tribes, Tribal organizations, tribally designated housing entities and the Department of Hawaiian Homelands carrying out homeownership counseling or rental housing counseling under section 105(a)(20) of the Housing and Community Development Act of 1974 (42 U.S.C. 5305(a)(20)) and sections 202(3) and 810(b)(2)(A) of the Native American Housing and Self- Determination Act of 1996 (25 U.S.C. 4132(3), 4229(b)(2)(A)), may not be required to comply with any housing counseling certification requirements established by the Secretary. Nothing in this provision shall be construed as limiting such recipients' ability to obtain a housing counseling certification from the Secretary.''. SEC. 15. ELIGIBILITY FOR HOUSING COUNSELING GRANTS. Section 106(a)(4) of the Housing and Urban Development Act of 1968 (12 U.S.C. 1701x(a)(4)) is amended-- (1) in subparagraph (A)-- (A) by striking ``and'' and inserting a comma; and (B) by inserting before the period at the end the following: ``, Indian Tribes, and tribally designated housing entities''; (2) in subparagraph (B), by inserting ``, Indian Tribes, and tribally designated housing entities'' after ``organizations)''; (3) by redesignating subparagraph (F) as subparagraph (G); and (4) by inserting after subparagraph (E) the following: ``(F) Definitions.--In this paragraph, the terms `Indian Tribe' and `tribally designated housing entity' have the meanings given those terms in section 4 of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4103).''. SEC. 16. SECTION 184 INDIAN HOME LOAN GUARANTEE PROGRAM. (a) In General.--Section 184 of the Housing and Community Development Act of 1992 (12 U.S.C. 1715z-13a) is amended-- (1) by amending subsection (a) to read as follows: ``(a) Authority.--To provide access to sources of private financing to Indian families, Indian housing authorities, and Indian Tribes, who otherwise could not acquire housing financing because of the unique legal status of Indian lands and the unique nature of Tribal economies, and to expand homeownership opportunities to Indian families, tribally designated housing entities, Indian housing authorities and Indian Tribes on fee simple lands, the Secretary may guarantee not to exceed 100 percent of the unpaid principal and interest due on any loan eligible under subsection (b) made to an Indian family, tribally designated housing entities, Indian housing authority, or Indian Tribe on trust land and fee simple land.''; (2) in subsection (b)-- (A) by amending paragraph (2) to read as follows: ``(2) Eligible housing.--The loan shall be used to construct, acquire, refinance, or rehabilitate 1- to 4-family dwellings that are standard housing.''; (B) in paragraph (4)-- (i) by redesignating subparagraphs (A) through (D) as clauses (i) through (iv), respectively, and adjusting the margins accordingly; (ii) by striking ``The loan'' and inserting the following: ``(A) In general.--The loan''; (iii) in subparagraph (A), as so redesignated, by adding at the end the following: ``(v) Any entity certified as a community development financial institution by the Community Development Financial Institutions Fund established under section 104(a) of the Riegle Community Development and Regulatory Improvement Act of 1994 (12 U.S.C. 4703(a)).''; and (iv) by adding at the end the following: ``(B) Direct guarantee process.-- ``(i) Authorization.--The Secretary may authorize qualifying lenders to participate in a direct guarantee process for approving loans under this section. ``(ii) Indemnification.-- ``(I) In general.--If the Secretary determines that a mortgage guaranteed through a direct guarantee process under this subparagraph was not originated in accordance with the requirements established by the Secretary, the Secretary may require the lender approved under this subparagraph to indemnify the Secretary for the loss, irrespective of whether the violation caused the mortgage default. ``(II) Fraud or misrepresentation.--If fraud or misrepresentation is involved in a direct guarantee process under this subparagraph, the Secretary may require the originating lender approved under this subparagraph to indemnify the Secretary for the loss regardless of when an insurance claim is paid. ``(III) Implementation.--The Secretary may implement any requirement described in this subparagraph by regulation, notice or Dear Lender Letter. ``(C) Review of mortgagees.-- ``(i) In general.--The Secretary may periodically review the mortgagees originating, underwriting, or servicing single family mortgage loans under this section. ``(ii) Requirements.--In conducting a review under clause (i), the Secretary-- ``(I) shall compare the mortgagee with other mortgagees originating or underwriting loan guarantees for Indian housing based on the rates of defaults and claims for guaranteed mortgage loans originated, underwritten, or serviced by that mortgagee; ``(II) may compare the mortgagee with such other mortgagees based on underwriting quality, geographic area served, or any commonly used factors the Secretary determines necessary for comparing mortgage default risk, provided that the comparison is of factors that the Secretary would expect to affect the default risk of mortgage loans guaranteed by the Secretary; ``(III) shall implement such comparisons by regulation, notice, or Dear Lender Letter; and ``(IV) may terminate the approval of a mortgagee to originate, underwrite, or service loan guarantees for housing under this section if the Secretary determines that the mortgage loans originated, underwritten, or serviced by the mortgagee present an unacceptable risk to the Indian Housing Loan Guarantee Fund established under clause (i)-- ``(aa) based on a comparison of any of the factors set forth in this subparagraph; or ``(bb) by a determination that the mortgagee engaged in fraud or misrepresentation.''; and (C) in paragraph (5)(A), by inserting before the semicolon at the end the following: ``except, as determined by the Secretary, when there is a loan modification under subsection (h)(1)(B), the term of the loan shall not exceed 40 years''; (3) in subsection (c)-- (A) in paragraph (1)-- (i) by striking ``Before'' and inserting the following: ``(A) In general.--Except as provided in subparagraph (B), before''; and (ii) by adding at the end the following: ``(B) Exception.--Subparagraph (A) shall not apply when the Secretary exercises their discretion to delegate direct guarantee endorsement authority to eligible lenders under subsection (b)(4)(B)(i).''; (B) in paragraph (2)-- (i) by striking ``The Secretary'' and inserting the following: ``(A) In general.--Except as provided in subparagraph (B), the Secretary''; and (ii) by adding at the end the following: ``(B) Exceptions.--When the Secretary exercises its discretion to delegate direct guarantee endorsement authority to eligible lenders under subsection (b)(4)(B)(i)-- ``(i) subparagraph (A) shall not apply; and ``(ii) the direct guarantee endorsement lender may issue a certificate under this paragraph as evidence of the guarantee in accordance with requirements established by the Secretary.''; and (C) in paragraph (3), by inserting ``, or where applicable, the direct guarantee endorsement lender,'' after ``Secretary'' in each place that term appears; and (4) in subsection (l)-- (A) by redesignating paragraphs (8) and (9) as paragraphs (9) and (10), respectively; and (B) by inserting after paragraph (7) the following: ``(8) The term `tribally designated housing entity' has the meaning given the term in section 4 of the Native American Housing Assistance and Self-Determination Act of 1996 (25 U.S.C. 4103).''. (b) Loan Guarantees for Indian Housing.--Section 184(i)(5) of the Housing and Community Development Act of 1992 (12 U.S.C. 1715z- 13a(i)(5)) is amended-- (1) in subparagraph (B), by inserting after the first sentence the following: ``There are authorized to be appropriated for those costs such sums as may be necessary for each of fiscal years 2026 through 2032.''; and (2) in subparagraph (C), by striking ``2008 through 2012'' and inserting ``2026 through 2032''. SEC. 17. LOAN GUARANTEES FOR NATIVE HAWAIIAN HOUSING. Section 184A of the Housing and Community Development Act of 1992 (12 U.S.C. 1715z-13b) is amended-- (1) in subsection (b), by inserting ``, and to expand homeownership opportunities to Native Hawaiian families who are eligible to receive a homestead under the Hawaiian Homes Commission Act, 1920 (42 Stat. 108) on fee simple lands in the State of Hawaii'' after ``markets''; (2) in subsection (c)-- (A) by amending paragraph (2) to read as follows: ``(2) Eligible housing.--The loan shall be used to construct, acquire, refinance, or rehabilitate 1- to 4-family dwellings that are standard housing.''; (B) in paragraph (4)-- (i) in subparagraph (B)-- (I) by redesignating clause (iv) as clause (v); and (II) by adding after clause (iii) the following: ``(iv) Any other lender that is supervised, approved, regulated, or insured by any agency of the Federal Government, including any entity certified as a community development financial institution by the Community Development Financial Institutions Fund established under section 104(a) of the Riegle Community Development and Regulatory Improvement Act of 1994 (12 U.S.C. 4703(a)).''; and (ii) by adding at the end the following: ``(C) Direct guarantee endorsement and indemnification.-- ``(i) In general.--If the Secretary determines that a loan guaranteed under this section was not originated in accordance with the requirements established by the Secretary, the Secretary may require the lender approved under this paragraph to indemnify the Secretary for the loss or potential loss, irrespective of whether the violation caused or will cause the loan default. ``(ii) Direct guarantee endorsement.--The Secretary may, dependent on the availability of systems development and staffing resources, delegate to eligible lenders the authority to directly endorse loans under this section. ``(iii) Fraud or misrepresentation.--If fraud or misrepresentation is involved in a loan guaranteed under this section, the Secretary may require the originating lender approved under this subparagraph to indemnify the Secretary for the loss regardless of whether there was a payment made by the Secretary under the guarantee. ``(iv) Implementation.--The Secretary may implement any requirements described in this subparagraph by regulation, notice, or Dear Lender Letter. ``(v) Review of lenders.-- ``(I) In general.--The Secretary may periodically review the lenders originating, underwriting, or servicing single family mortgage loans under this section. ``(II) Requirements.--In conducting a review under paragraph (1), the Secretary-- ``(aa) shall compare the lender with other lenders originating or underwriting loan guarantees for Indian housing and Native Hawaiian housing based on the rates of defaults and claims for guaranteed loans originated, underwritten, or serviced by that lender; and ``(bb) may compare the lender with such other lenders based on underwriting quality, geographic area served, or any commonly used factors the Secretary determines necessary for comparing mortgage default risk, provided that the comparison is of factors that the Secretary would expect to affect the default risk of mortgage loans guaranteed by the Secretary.''; and (C) in paragraph (5)(A), by inserting before the semicolon at the end the following: ``except, as determined by the Secretary, when there is a loan modification under subsection (i)(1)(B), the term of the loan shall not exceed 40 years''; (3) in subsection (d)-- (A) in paragraph (1)-- (i) in subparagraph (A), by striking ``Before'' and inserting ``Except as provided in subsection (C), before''; (ii) in subparagraph (B), by striking ``If'' and inserting ``Except as provided under subparagraph (C), before''; and (iii) by adding at the end the following: ``(C) Exception.--When the Secretary exercises its discretion to delegate direct guarantee endorsement authority pursuant to subsection (c)(4)(C)(ii), subparagraphs (A) and (B) of this paragraph shall not apply.''; (B) by amending paragraph (2) to read as follows: ``(2) Standard for approval.-- ``(A) Approval.--Except as provided in subparagraph (B), the Secretary may approve a loan for guarantee under this section and issue a certificate under this subsection only if the Secretary determines that there is a reasonable prospect of repayment of the loan. ``(B) Exceptions.--When the Secretary exercises its discretion to delegate direct guarantee endorsement authority pursuant to subsection (c)(4)(C)(ii)-- ``(i) subparagraph (A) shall not apply; and ``(ii) the direct guarantee endorsement lender may issue a certificate under this paragraph as evidence of the guarantee in accordance with requirements prescribed by the Secretary.''; and (C) in paragraph (3)(A), by inserting ``or, where applicable, the direct guarantee endorsement lender,'' after ``Secretary''; and (4) in subsection (j)(5)(B), by inserting after the first sentence the following: ``There are authorized to be appropriated for those costs such sums as may be necessary for each of fiscal years 2026 through 2032.''. SEC. 18. RENTAL ASSISTANCE FOR HOMELESS OR AT-RISK INDIAN VETERANS. Section 8(o)(19) of the United States Housing Act of 1937 (42 U.S.C. 1437f(o)(19)) is amended by adding at the end the following: ``(E) Indian veterans housing rental assistance program.-- ``(i) Definitions.--In this subparagraph: ``(I) Eligible indian veteran.--The term `eligible Indian veteran' means an Indian veteran who is-- ``(aa) homeless or at risk of homelessness; and ``(bb) living-- ``(AA) on or near a reservation; or ``(BB) in or near any other Indian area. ``(II) Eligible recipient.--The term `eligible recipient' means a recipient eligible to receive a grant under section 101 of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4111). ``(III) Indian; indian area.--The terms `Indian' and `Indian area' have the meanings given those terms in section 4 of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4103). ``(IV) Indian veteran.--The term `Indian veteran' means an Indian who is a veteran. ``(V) Program.--The term `Program' means the Tribal HUD-VASH program carried out under clause (ii). ``(VI) Tribal organization.--The term `Tribal organization' has the meaning given the term in section 4 of the Indian Self-Determination and Education Assistance Act (25 U.S.C. 5304). ``(ii) Program specifications.--The Secretary may not use less than 5 percent of the amounts made available for rental assistance under this paragraph to carry out a rental assistance and supported housing program, to be known as the `Tribal HUD-VASH program', in conjunction with the Secretary of Veterans Affairs, by awarding grants for the benefit of eligible Indian veterans. ``(iii) Model.-- ``(I) In general.--Except as provided in subclause (II), the Secretary shall model the Program on the rental assistance and supported housing program authorized under subparagraph (A) and applicable appropriations Acts, including administration in conjunction with the Secretary of Veterans Affairs. ``(II) Exceptions.-- ``(aa) Secretary of housing and urban development.--After consultation with Indian Tribes, eligible recipients, and any other appropriate Tribal organizations, the Secretary may make necessary and appropriate modifications to facilitate the use of the Program by eligible recipients to serve eligible Indian veterans. ``(bb) Secretary of veterans affairs.--After consultation with Indian Tribes, eligible recipients, and any other appropriate Tribal organizations, the Secretary of Veterans Affairs may make necessary and appropriate modifications to facilitate the use of the Program by eligible recipients to serve eligible Indian veterans. ``(iv) Eligible recipients.--The Secretary shall make amounts for rental assistance and associated administrative costs under the Program available in the form of grants to eligible recipients. ``(v) Funding criteria.--The Secretary shall award grants under the Program based on-- ``(I) need; ``(II) administrative capacity; and ``(III) any other funding criteria established by the Secretary in a notice published in the Federal Register after consulting with the Secretary of Veterans Affairs. ``(vi) Administration.--Grants awarded under the Program shall be administered in accordance with the Native American Housing Assistance and Self-Determination Act of 1996 (25 U.S.C. 4101 et seq.), except that recipients shall-- ``(I) submit to the Secretary, in a manner prescribed by the Secretary, reports on the utilization of rental assistance provided under the Program; and ``(II) provide to the Secretary information specified by the Secretary to assess the effectiveness of the Program in serving eligible Indian veterans. ``(vii) Consultation.-- ``(I) Grant recipients; tribal organizations.--The Secretary, in coordination with the Secretary of Veterans Affairs, shall consult with eligible recipients and any other appropriate Tribal organization on the design of the Program to ensure the effective delivery of rental assistance and supportive services to eligible Indian veterans under the Program. ``(II) Indian health service.--The Director of the Indian Health Service shall provide any assistance requested by the Secretary or the Secretary of Veterans Affairs in carrying out the Program. ``(viii) Waiver.-- ``(I) In general.--Except as provided in subclause (II), the Secretary may waive or specify alternative requirements for any provision of law (including regulations) that the Secretary administers in connection with the use of rental assistance made available under the Program if the Secretary finds that the waiver or alternative requirement is necessary for the effective delivery and administration of rental assistance under the Program to eligible Indian veterans. ``(II) Exception.--The Secretary may not waive or specify alternative requirements under subclause (I) for any provision of law (including regulations) relating to labor standards or the environment. ``(ix) Renewal grants.--The Secretary may-- ``(I) set aside, from amounts made available for tenant-based rental assistance under this subsection and without regard to the amounts used for new grants under clause (ii), such amounts as may be necessary to award renewal grants to eligible recipients that received a grant under the Program in a previous year; and ``(II) specify criteria that an eligible recipient must satisfy to receive a renewal grant under subclause (I), including providing data on how the eligible recipient used the amounts of any grant previously received under the Program. ``(x) Reporting.--Not later than 1 year after the date of enactment of this subparagraph, and every 5 years thereafter, the Secretary, in coordination with the Secretary of Veterans Affairs and the Director of the Indian Health Service, shall-- ``(I) conduct a review of the implementation of the Program, including any factors that may have limited its success; and ``(II) submit a report describing the results of the review under item (aa) to-- ``(aa) the Committee on Indian Affairs, the Committee on Banking, Housing, and Urban Affairs, the Committee on Veterans' Affairs, and the Committee on Appropriations of the Senate; and ``(bb) the Subcommittee on Indian and Insular Affairs of the Committee on Natural Resources, the Committee on Financial Services, the Committee on Veterans' Affairs, and the Committee on Appropriations of the House of Representatives. ``(xi) Impact on formula current assisted stock.--For a given fiscal year's allocation formula of the Native American Housing Block Grants program, as authorized under title I of the Native American Housing Assistance and Self-Determination Act of 1996 (25 U.S.C. 4111 et seq.), the number of qualifying low-income housing dwelling units under section 302(b)(1) of the Native American Housing Assistance and Self-Determination Act of 1996 (25 U.S.C. 4152(b)(1)) may not be reduced due to the placement of an eligible Indian veteran assisted with amounts provided under the Program within such qualifying units.''. SEC. 19. CONTINUUM OF CARE. Title IV of the McKinney-Vento Homeless Assistance Act (42 U.S.C. 11360 et seq.) is amended-- (1) in section 401 (42 U.S.C. 11360)-- (A) by redesignating paragraphs (32) through (35) as paragraphs (33) through (36), respectively; and (B) by inserting after paragraph (31) the following: ``(32) Tribally designated housing entity.--The term `tribally designated housing entity' has the meaning given the term in section 4 of the Native American Housing Assistance and Self-Determination Act of 1996 (25 U.S.C. 4103).''; (2) in section 423(g) (42 U.S.C. 11383(g)), by inserting ``Indian Tribe, tribally designated housing entity,'' after ``private nonprofit organization,''; and (3) in section 435 (42 U.S.C. 11389)-- (A) by striking ``(as defined in section 4 of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4103))''; (B) by striking ``Notwithstanding'' and inserting the following: ``(a) Eligible Entities.--Notwithstanding''; and (C) by adding at the end the following: ``(b) Civil Rights Exemptions.--With respect to grants awarded to carry out eligible activities under this subtitle, title VI of the Civil Rights Act of 1964 (42 U.S.C. 2000d et seq.) and title VIII of the Civil Rights Act of 1968 (42 U.S.C. 3601 et seq.) shall not apply to applications or awards for projects to be carried out-- ``(1) on or off reservation or trust lands for awards made to Indian Tribes or tribally designated housing entities; ``(2) on reservation or trust lands for awards made to eligible entities; or ``(3) with respect to a project in which amounts provided under this Act will be used specifically to benefit Tribal communities or Tribal members, in formula areas (as such term is defined in section 1000.302 of title 24, Code of Federal Regulations, or any successor regulation) for the Indian Housing Block Grant. ``(c) Certification.--Notwithstanding section 106 of the Cranston- Gonzalez National Affordable Housing Act (42 U.S.C. 12706) and section 403 of this Act, with respect to applications for projects to be carried out on reservations or trust land using grants awarded under this subtitle-- ``(1) the applications shall contain a certification of consistency with an approved Indian housing plan developed under section 102 of the Native American Housing Assistance and Self-Determination Act (25 U.S.C. 4112); and ``(2) Indian Tribes and tribally designated housing entities that are recipients of awards for projects on reservations or trust land from such funds shall certify that they are following an approved housing plan developed under section 102 of the Native American Housing Assistance and Self- Determination Act (25 U.S.C. 4112). ``(d) Consolidated Plan Exemption.--A collaborative applicant for a Continuum of Care whose geographic area includes only reservation or trust land is not required to meet the requirement described in section 402(f)(2). ``(e) Waiver Authority for Tribal Participation.--In administering the amounts made available under this Act, the Secretary may waive, or specify alternative requirements for, any provision of any statute or regulation that the Secretary administers in connection with the obligation by the Secretary or the use by the recipient of these amounts (except for requirements related to labor standards and the environment), if the Secretary finds that good cause exists for the waiver or alternative requirement and such waiver or alternative requirement is necessary to modify any requirements preventing the participation of Indian Tribes or tribally designated housing entity in the Continuum of Care Program, or would expedite or facilitate the use of funds.''. SEC. 20. STREAMLINING REPORTING REQUIREMENTS. Section 404 of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4164) is amended-- (1) by redesignating subsection (d) as subsection (e); and (2) by inserting after subsection (c) the following: ``(d) Consolidated Reporting.--Notwithstanding any other provision of law, the Secretary shall develop policies and procedures that authorize interested Indian Tribes and tribally designated housing entities receiving grant amounts under this Act to submit to the Secretary, at their discretion, one consolidated annual performance report covering all grants the Indian Tribe or tribally designated housing entity receives from other grant programs administered by the Secretary.''. SEC. 21. APPLICATION OF BUILD AMERICA, BUY AMERICA REQUIREMENTS. The requirements under the Build America, Buy America Act (41 U.S.C. 8301 note) and any implementing regulations or guidance shall not apply to any housing activities carried out using any Federal financial assistance provided to Indian tribes, tribally designated housing entities, tribal organizations, and other Tribal entities (including the Department of Hawaiian Home Lands) under any Federal program. <all>\n\nSUMMARY TO EVALUATE:\nTitle: Native American Housing Assistance and Self-Determination Modernization Act of 2026\nSummary: This act simplifies housing assistance and mortgage access for Native American and Native Hawaiian communities by streamlining regulations and increasing funding. It introduces new support for students and dedicated housing programs for veterans at risk of homelessness.\nKey Points: Extends land lease terms on tribal lands to 99 years to facilitate homeownership and financing., Provides new financial assistance specifically for college student housing., Streamlines environmental review processes to speed up the construction of new housing projects., Establishes a permanent rental assistance program for Native American veterans facing homelessness., Grants tribes more autonomy to set their own rent levels and tenant selection policies.\n\nZASADY OCENY:\n1. Sprawdź wszystkie LICZBY, DATY i KWOTY w SUMMARY. Jeśli którejś brakuje w SOURCE -> is_valid: false.\n2. Sprawdź wszystkie NAZWISKA, ORGANIZACJE i MIEJSCA w SUMMARY. Jeśli którejś brakuje w SOURCE -> is_valid: false.\n3. Sprawdź wszystkie konkretne DZIAŁANIA PRAWNE . Jeśli tego mechanizmu nie ma w SOURCE -> is_valid: false.\n\nWAŻNE: Abstrakcyjne pojęcia (np. \"transparentność\", \"zaufanie\") są dozwolone jako wnioski.\n\nOUTPUT (JSON):\n{\n  \"is_valid\": true/false,\n  \"issue\": \"fabricated_entity\" / \"contradiction\" / \"none\"\n}\n\nWYMAGANIA FORMATOWANIA:\n1. Odpowiedz WYŁĄCZNIE surowym obiektem JSON.\n2. NIE używaj bloków kodu Markdown.\n3. NIE dodawaj żadnych wstępów ani wyjaśnień przed ani po JSONie.\n4. JSON musi być poprawny i gotowy do parsowania.\n\n",
      "ai_response_raw": "{\n  \"is_valid\": false,\n  \"issue\": \"fabricated_entity\"\n}"
    },
    {
      "timestamp": "2026-04-13T14:10:50.634Z",
      "source_url": "https://www.congress.gov/119/bills/hr8092/BILLS-119hr8092ih.htm",
      "model": "gemini-flash-latest",
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To jest treść, na podstawie której masz wygenerować podsumowanie i kluczowe punkty:\n--- POCZĄTEK DOKUMENTU ---\n[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.R. 8092 Introduced in House (IH)] <DOC> 119th CONGRESS 2d Session H. R. 8092 To reauthorize the Native American Housing Assistance and Self- Determination Act of 1996, and for other purposes. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES March 26, 2026 Mr. Downing (for himself, Ms. Bynum, Mr. Cole, Mr. Lucas, Mr. Huizenga, Mrs. Wagner, Mr. Meuser, Mr. Haridopolos, Mr. Lawler, Ms. De La Cruz, Mr. Barr, Mr. Steil, Mr. Davidson, Mr. Stutzman, Mr. Loudermilk, Mr. Zinke, Mr. Bacon, Mr. Fleischmann, Mr. Johnson of South Dakota, Mrs. Fedorchak, Mr. Simpson, Mr. Liccardo, Ms. Moore of Wisconsin, Ms. Davids of Kansas, Ms. Craig, Mr. Davis of North Carolina, Mr. Vasquez, Mr. Larsen of Washington, Mr. Stanton, Mr. Keating, Ms. Leger Fernandez, Ms. Pingree, Ms. Stansbury, Mr. Bentz, and Mr. Nunn of Iowa) introduced the following bill; which was referred to the Committee on Financial Services _______________________________________________________________________ A BILL To reauthorize the Native American Housing Assistance and Self- Determination Act of 1996, and for other purposes. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. SHORT TITLE; TABLE OF CONTENTS. (a) Short Title.--This Act may be cited as the ``Native American Housing Assistance and Self-Determination Modernization Act of 2026''. (b) Table of Contents.--The table of contents for this Act is as follows: Sec. 1. Short title; Table of contents. Sec. 2. Consolidation of environmental review requirements. Sec. 3. Authorization of appropriations. Sec. 4. Student housing assistance. Sec. 5. Clarification of application of rent rule only to units owned or operated by Indian Tribe or tribally designated housing entity. Sec. 6. Deadline for action on request for approval regarding exceeding TDC maximum cost for project. Sec. 7. Homeownership or lease-to-own low-income requirement and income targeting. Sec. 8. Lease requirements and tenant selection. Sec. 9. Statutory authority to suspend grant funds in emergencies. Sec. 10. Reports to Congress. Sec. 11. 99-year leasehold interest in trust or restricted lands for housing purposes. Sec. 12. Reauthorization of housing assistance for Native Hawaiians. Sec. 13. Community-based development organizations and special activities by Indian Tribes. Sec. 14. Housing counseling certification waiver. Sec. 15. Eligibility for housing counseling grants. Sec. 16. Section 184 Indian home loan guarantee program. Sec. 17. Loan guarantees for Native Hawaiian housing. Sec. 18. Rental assistance for homeless or at-risk Indian veterans. Sec. 19. Continuum of care. Sec. 20. Streamlining reporting requirements. Sec. 21. Application of Build America, Buy America requirements. SEC. 2. CONSOLIDATION OF ENVIRONMENTAL REVIEW REQUIREMENTS. Section 105 of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4115) is amended-- (1) in subsection (c)(2) by adding after ``other officer of the Tribe'' the following: ``, or a tribally designated housing entity official designated by the Tribe,''; (2) in subsection (d)-- (A) by redesignating paragraphs (1) through (4) as subparagraphs (A) through (D), respectively; (B) by striking ``The Secretary may'' and inserting the following: ``(1) In general.--The Secretary shall''; and (C) by adding at the end the following: ``(2) Waiver request.--The Secretary shall act upon a waiver request submitted under this subsection within 60 days after receipt of such request.''; and (3) by adding at the end the following new subsections: ``(e) Consolidation of Environmental Review Requirements.--For assistance provided under this Act, including under title VIII of this Act, and grants to Indian Tribes issued under title I of the Housing and Community Development Act of 1974 (42 U.S.C. 5301 et seq.), the Indian Tribe or the Director of the Department of Hawaiian Home Lands shall be deemed to be in compliance with the environmental review requirements under this section or section 806 of this Act, title I of the Housing and Community Development Act of 1974, and the National Environmental Policy Act of 1969 (42 U.S.C. 4321 et seq.), with regard to such project and to discharge any applicable environmental review requirements that might apply to Federal agencies with respect to the use of additional Federal funding sources for that project, if-- ``(1) a recipient is using 1 or more sources of Federal funds in addition to grant amounts under this Act or in addition to a grant made to an Indian Tribe under title I of the Housing and Community Development Act of 1974; ``(2) such other sources of Federal funds do not exceed 49 percent of the Federal share of the project cost; and ``(3) the recipient's Indian Tribe or the Director of the Department of Hawaiian Home Lands has assumed all of the responsibilities for environmental review, decision-making, and action pursuant to this section, section 806 of this Act, or title I of the Housing and Community Development Act of 1974. ``(f) Environmental Streamlining.--For activities assisted under this Act, including title VIII of this Act, or assisted with a grant to an Indian Tribe under title I of the Housing and Community Development Act (42 U.S.C. 5301 et seq.), each of the following apply: ``(1) General exemption.--Notwithstanding any other provision of law, activities are exempt from any environmental review requirements where-- ``(A) similar statutory exemptions apply to comparable activities of other Federal agencies; ``(B) the activity is an affordable housing activity having a total cost of not more than $250,000; ``(C) the activity is acquisition of property, including long-term equipment, funded using non-Federal sources; or ``(D) the activity involves the rehabilitation of a structure and-- ``(i) the cost of the rehabilitation is less than fifty percent of the market value of the structure before rehabilitation; and ``(ii) the rehabilitation involves no ground disturbance, footprint change, or historic structure. ``(2) Radon exemption.--Notwithstanding any other provision of law, the Secretary may not require recipients (including the Director under title VIII of this Act) and Indian Tribes to consider or test for radon in the environmental review. Nothing in this provision shall be construed to limit the authority of a recipient (including the Director under title VIII of this Act) and an Indian Tribe to consider, test for, and mitigate radon. ``(3) Lead testing.-- ``(A) Testing.--Lead paint testing of target housing that is in a remote area, and that is being rehabilitated, renovated, repaired, or painted in a manner that will repair or disturb building components that are painted or coated, must be conducted via-- ``(i) paint chip testing, lead-based paint inspection, visual assessment for deteriorated paint, or a lead risk assessment for lead-based paint hazards, as applicable in accordance with section 1012 of the Residential Lead-Based Paint Hazard Reduction Act of 1992; or ``(ii) visual assessment for deteriorated paint and use of EPA-recognized lead test kits in accordance with sections 402 or 404, as applicable, of the Toxic Substances Control Act (15 U.S.C. 2682, 2684) on each building component that is painted or coated and is to be disturbed. ``(B) Definitions.--In this paragraph: ``(i) Remote area.--The term `Remote Area' means as the area of a United States Postal Service ZIP Code that has a level 1 Frontier and Remote Area code as most recently posted on the website of the Department of Agriculture. ``(ii) Target housing.--The term `Target Housing' has the meaning given the term in section 1004(27) of the Residential Lead-Based Paint Hazard Reduction Act of 1992 (42 U.S.C. 4851b(27)) assisted under the Native American Housing Assistance and Self-Determination Act of 1996. ``(4) Siting of hud projects near explosive and flammable hazards.-- ``(A) In general.--Recipients carrying out activities under this Act (including the Director under title VIII of this Act) or Indian Tribe carrying out activities under title I of the Housing and Community Development Act shall be exempt from the Secretary's acceptable separation distance requirements and mitigation for residential tanks when the tank-- ``(i) has a capacity of 1,320 gallons or less; ``(ii) is intended to contain common liquid fuels such as gasoline, fuel oil, kerosene, diesel, liquified petroleum gas (propane), or crude oil; ``(iii) is sited on land or property that contains a one- to four-family dwelling; ``(iv) is intended to be used solely by residents of such dwelling; and ``(v) is intended to be used by residents of such dwelling exclusively for non- commercial, non-industrial purposes. ``(B) Rule of construction.--Nothing in this provision shall be construed to limit the authority of a recipient (including the Director under title VIII of this Act) or an Indian Tribe to consider acceptable separation distance or implement mitigation measures. ``(C) Application.--The Secretary's acceptable separation distance requirements between a residential structure assisted with funds under this Act (or assisted with funds under a grant to an Indian Tribe under title 1 of the Housing and Community Development Act) and an above-ground storage tank used to store hazardous substances as defined in subpart C of part 51 of title 24, Code of Federal Regulations, or successor regulation, including mitigation measures, do not apply if the Indian Tribe or recipient (including the Director under title VIII of this Act) determines that-- ``(i) inapplicability of the requirements is necessary to address the housing needs of the Indian Tribe or recipient (including the Director under title VIII of this Act); ``(ii) the use of an alternative standard, or the absence of a standard, does not present an unacceptable risk to the health or safety of residents; and ``(iii) the Indian Tribe or recipient (including the Director under title VIII of this Act) has provided notice and an opportunity for comment to residents of the affected area regarding the inapplicability of the requirements, and has developed a safety and response plan. ``(5) Streamlining wetland requirements.--The Secretary may not apply additional requirements involving protection of wetlands in instances where an affected wetland requires a U.S. Army Corps of Engineers General, Regional, or individual permit and the Indian Tribe or recipient (including the Director under title VIII of this Act) complies with permit conditions.''. SEC. 3. AUTHORIZATION OF APPROPRIATIONS. Section 108 of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4117) is amended, in the first sentence, by striking ``2009 through 2013'' and inserting ``2026 through 2032''. SEC. 4. STUDENT HOUSING ASSISTANCE. Section 202(3) of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4132(3)) is amended by inserting ``including college housing assistance,'' after ``self-sufficiency and other services,''. SEC. 5. CLARIFICATION OF APPLICATION OF RENT RULE ONLY TO UNITS OWNED OR OPERATED BY INDIAN TRIBE OR TRIBALLY DESIGNATED HOUSING ENTITY. Section 203(a) of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4133(a)) is amended-- (1) in paragraph (2), by inserting ``owned or operated by a recipient and'' after ``residing in a dwelling unit''; and (2) by adding at the end the following: ``(3) Self-determination.--Notwithstanding paragraph (2), recipients may establish their own policies governing maximum and minimum rents and homebuyer payments for dwelling units assisted under this Act, provided such policies are written and made publicly available.''. SEC. 6. DEADLINE FOR ACTION ON REQUEST FOR APPROVAL REGARDING EXCEEDING TDC MAXIMUM COST FOR PROJECT. (a) Approval.--Section 103 of the Native American Housing Assistance and Self-Determination Act of 1996 (25 U.S.C. 4113) is amended by adding at the end the following new subsection: ``(f) Deadline for Action on Request To Exceed TDC Maximum.-- ``(1) Deadline.--A request for approval by the Secretary to exceed by more than 10 percent the total development cost maximum cost for a project shall be approved or denied during the 60-day period that begins on the date that the Secretary receives the request. ``(2) No response by secretary.--If the Secretary does not respond to a request in the 60-day period described in paragraph (1), the request shall be deemed approved.''. (b) Definition.--Section 4 of the Native American Housing Assistance and Self-Determination Act of 1996 (25 U.S.C. 4103) is amended-- (1) by redesignating paragraph (22) as paragraph (23); and (2) by inserting after paragraph (21) the following new paragraph: ``(22) Total development cost.--The term `total development cost' means, with respect to a housing project, the sum of all costs for the project, including all undertakings necessary for administration, planning, site acquisition, demolition, construction or equipment and financing (including payment of carrying charges), and for otherwise carrying out the development of the project, excluding off-site water and sewer. The total development cost amounts shall be based on a moderately designed house and determined by averaging the current construction costs as listed in not less than two nationally recognized residential construction cost indices.''. SEC. 7. HOMEOWNERSHIP OR LEASE-TO-OWN LOW-INCOME REQUIREMENT AND INCOME TARGETING. Section 205 of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4135) is amended-- (1) in subsection (a)(1)-- (A) in subparagraph (C), by striking ``and'' at the end; and (B) by adding at the end the following: ``(E) notwithstanding any other provision of this paragraph, in the case of rental housing that is made available to a current rental family for conversion to a homebuyer or a lease-purchase unit-- ``(i) that the current rental family can purchase through a contract of sale, lease- purchase agreement, or any other sales agreement; and ``(ii) the housing is made available for purchase only by the current rental family, if the rental family was a low-income family at the time of their initial occupancy of such unit; and''; and (2) in subsection (c)-- (A) by striking ``The provisions'' and inserting the following: ``(1) In general.--The provisions''; and (B) by adding at the end the following: ``(2) Applicability to improvements.--The provisions of subsection (a)(2) regarding binding commitments for the remaining useful life of property shall not apply to improvements of privately owned homes if the cost of the improvements do not exceed 10 percent of the maximum total development cost for the home.''. SEC. 8. LEASE REQUIREMENTS AND TENANT SELECTION. Section 207 of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4137) is amended by adding at the end the following: ``(c) Notice of Termination.--The notice period described in subsection (a)(3) shall apply to projects and programs funded in part by amounts authorized under this Act.''. SEC. 9. STATUTORY AUTHORITY TO SUSPEND GRANT FUNDS IN EMERGENCIES. Section 401(a)(4) of the Native American Housing Assistance and Self-Determination Act of 1996 (25 U.S.C. 4161(a)(4)) is amended-- (1) in subparagraph (A), by striking ``may take an action described in paragraph (1)(C)'' and inserting ``may immediately take an action described in paragraph (1)(C)''; and (2) by striking subparagraph (B) and inserting the following: ``(B) Procedural requirements.-- ``(i) In general.--If the Secretary takes an action described in subparagraph (A), the Secretary shall provide notice to the recipient at the time that the Secretary takes that action. ``(ii) Notice requirements.--The notice under clause (i) shall inform the recipient that the recipient may request a hearing by not later than 30 days after the date on which the Secretary provides the notice. ``(iii) Hearing requirements.--A hearing requested under clause (ii) shall be conducted-- ``(I) in accordance with subpart A of part 26 of title 24, Code of Federal Regulations (or successor regulations); and ``(II) to the maximum extent practicable, on an expedited basis. ``(iv) Failure to conduct a hearing.--If a hearing requested under clause (ii) is not completed by the date that is 180 days after the date on which the recipient requests the hearing, the action of the Secretary to limit the availability of payments shall no longer be effective.''. SEC. 10. REPORTS TO CONGRESS. Section 407 of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4167) is amended-- (1) in subsection (a), by striking ``Congress'' and inserting ``Committee on Indian Affairs and the Committee on Banking, Housing, and Urban Affairs of the Senate and the Committee on Financial Services of the House of Representatives''; and (2) by adding at the end the following: ``(c) Public Availability.--The report described in subsection (a) shall be made publicly available, including to recipients.''. SEC. 11. 99-YEAR LEASEHOLD INTEREST IN TRUST OR RESTRICTED LANDS FOR HOUSING PURPOSES. Section 702 of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4211) is amended-- (1) in the section heading, by striking ``50-year'' and inserting ``99-year''; (2) in subsection (b), by striking ``50 years'' and inserting ``99 years''; and (3) in subsection (c)(2), by striking ``50 years'' and inserting ``99 years''. SEC. 12. REAUTHORIZATION OF HOUSING ASSISTANCE FOR NATIVE HAWAIIANS. Section 824 of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4243) is amended by striking ``for each of fiscal years 2001, 2002, 2003, 2004, and 2005'' and inserting ``each of fiscal years 2026 through 2032.''. SEC. 13. COMMUNITY-BASED DEVELOPMENT ORGANIZATIONS AND SPECIAL ACTIVITIES BY INDIAN TRIBES. Section 105 of the Housing and Community Development Act of 1974 (42 U.S.C. 5305) is amended by adding at the end the following: ``(i) Indian Tribes, Tribally Designated Housing Entities, and Tribal Organizations as Community-Based Development Organizations.-- ``(1) Definitions.--In this subsection: ``(A) Tribally designated housing entity.--The term `tribally designated housing entity' has the meaning given the term in section 4 of the Native American Housing Assistance and Self-Determination Act of 1996 (25 U.S.C. 4103). ``(B) Tribal organization.--The term `Tribal organization' has the meaning given the term in section 4 of the Indian Self-Determination and Education Assistance Act (25 U.S.C. 5304). ``(2) Qualification.--An Indian Tribe, a tribally designated housing entity, or a Tribal organization shall qualify as a community-based development organization for purposes of carrying out new housing construction under this subsection for a grant made under section 106(a)(1). ``(j) Special Activities by Indian Tribes.--An Indian Tribe (or a Tribal organization or Tribally designated housing entity designated by such Indian Tribe) receiving a grant under section 106(a)(1) shall be authorized to directly carry out activities described in subsection (a)(15).''. SEC. 14. HOUSING COUNSELING CERTIFICATION WAIVER. Subtitle A of title II of the Native American Housing Assistance and Self-Determination Act of 1996 (25 U.S.C. 4131 et seq.) is amended by adding at the end the following new section: ``SEC. 211. HOUSING COUNSELING CERTIFICATION WAIVER. ``Notwithstanding section 106(g)(1) of the Housing and Urban Development Act of 1968 (12 U.S.C. 1701x(g)(1)), Indian Tribes, Tribal organizations, tribally designated housing entities and the Department of Hawaiian Homelands carrying out homeownership counseling or rental housing counseling under section 105(a)(20) of the Housing and Community Development Act of 1974 (42 U.S.C. 5305(a)(20)) and sections 202(3) and 810(b)(2)(A) of the Native American Housing and Self- Determination Act of 1996 (25 U.S.C. 4132(3), 4229(b)(2)(A)), may not be required to comply with any housing counseling certification requirements established by the Secretary. Nothing in this provision shall be construed as limiting such recipients' ability to obtain a housing counseling certification from the Secretary.''. SEC. 15. ELIGIBILITY FOR HOUSING COUNSELING GRANTS. Section 106(a)(4) of the Housing and Urban Development Act of 1968 (12 U.S.C. 1701x(a)(4)) is amended-- (1) in subparagraph (A)-- (A) by striking ``and'' and inserting a comma; and (B) by inserting before the period at the end the following: ``, Indian Tribes, and tribally designated housing entities''; (2) in subparagraph (B), by inserting ``, Indian Tribes, and tribally designated housing entities'' after ``organizations)''; (3) by redesignating subparagraph (F) as subparagraph (G); and (4) by inserting after subparagraph (E) the following: ``(F) Definitions.--In this paragraph, the terms `Indian Tribe' and `tribally designated housing entity' have the meanings given those terms in section 4 of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4103).''. SEC. 16. SECTION 184 INDIAN HOME LOAN GUARANTEE PROGRAM. (a) In General.--Section 184 of the Housing and Community Development Act of 1992 (12 U.S.C. 1715z-13a) is amended-- (1) by amending subsection (a) to read as follows: ``(a) Authority.--To provide access to sources of private financing to Indian families, Indian housing authorities, and Indian Tribes, who otherwise could not acquire housing financing because of the unique legal status of Indian lands and the unique nature of Tribal economies, and to expand homeownership opportunities to Indian families, tribally designated housing entities, Indian housing authorities and Indian Tribes on fee simple lands, the Secretary may guarantee not to exceed 100 percent of the unpaid principal and interest due on any loan eligible under subsection (b) made to an Indian family, tribally designated housing entities, Indian housing authority, or Indian Tribe on trust land and fee simple land.''; (2) in subsection (b)-- (A) by amending paragraph (2) to read as follows: ``(2) Eligible housing.--The loan shall be used to construct, acquire, refinance, or rehabilitate 1- to 4-family dwellings that are standard housing.''; (B) in paragraph (4)-- (i) by redesignating subparagraphs (A) through (D) as clauses (i) through (iv), respectively, and adjusting the margins accordingly; (ii) by striking ``The loan'' and inserting the following: ``(A) In general.--The loan''; (iii) in subparagraph (A), as so redesignated, by adding at the end the following: ``(v) Any entity certified as a community development financial institution by the Community Development Financial Institutions Fund established under section 104(a) of the Riegle Community Development and Regulatory Improvement Act of 1994 (12 U.S.C. 4703(a)).''; and (iv) by adding at the end the following: ``(B) Direct guarantee process.-- ``(i) Authorization.--The Secretary may authorize qualifying lenders to participate in a direct guarantee process for approving loans under this section. ``(ii) Indemnification.-- ``(I) In general.--If the Secretary determines that a mortgage guaranteed through a direct guarantee process under this subparagraph was not originated in accordance with the requirements established by the Secretary, the Secretary may require the lender approved under this subparagraph to indemnify the Secretary for the loss, irrespective of whether the violation caused the mortgage default. ``(II) Fraud or misrepresentation.--If fraud or misrepresentation is involved in a direct guarantee process under this subparagraph, the Secretary may require the originating lender approved under this subparagraph to indemnify the Secretary for the loss regardless of when an insurance claim is paid. ``(III) Implementation.--The Secretary may implement any requirement described in this subparagraph by regulation, notice or Dear Lender Letter. ``(C) Review of mortgagees.-- ``(i) In general.--The Secretary may periodically review the mortgagees originating, underwriting, or servicing single family mortgage loans under this section. ``(ii) Requirements.--In conducting a review under clause (i), the Secretary-- ``(I) shall compare the mortgagee with other mortgagees originating or underwriting loan guarantees for Indian housing based on the rates of defaults and claims for guaranteed mortgage loans originated, underwritten, or serviced by that mortgagee; ``(II) may compare the mortgagee with such other mortgagees based on underwriting quality, geographic area served, or any commonly used factors the Secretary determines necessary for comparing mortgage default risk, provided that the comparison is of factors that the Secretary would expect to affect the default risk of mortgage loans guaranteed by the Secretary; ``(III) shall implement such comparisons by regulation, notice, or Dear Lender Letter; and ``(IV) may terminate the approval of a mortgagee to originate, underwrite, or service loan guarantees for housing under this section if the Secretary determines that the mortgage loans originated, underwritten, or serviced by the mortgagee present an unacceptable risk to the Indian Housing Loan Guarantee Fund established under clause (i)-- ``(aa) based on a comparison of any of the factors set forth in this subparagraph; or ``(bb) by a determination that the mortgagee engaged in fraud or misrepresentation.''; and (C) in paragraph (5)(A), by inserting before the semicolon at the end the following: ``except, as determined by the Secretary, when there is a loan modification under subsection (h)(1)(B), the term of the loan shall not exceed 40 years''; (3) in subsection (c)-- (A) in paragraph (1)-- (i) by striking ``Before'' and inserting the following: ``(A) In general.--Except as provided in subparagraph (B), before''; and (ii) by adding at the end the following: ``(B) Exception.--Subparagraph (A) shall not apply when the Secretary exercises their discretion to delegate direct guarantee endorsement authority to eligible lenders under subsection (b)(4)(B)(i).''; (B) in paragraph (2)-- (i) by striking ``The Secretary'' and inserting the following: ``(A) In general.--Except as provided in subparagraph (B), the Secretary''; and (ii) by adding at the end the following: ``(B) Exceptions.--When the Secretary exercises its discretion to delegate direct guarantee endorsement authority to eligible lenders under subsection (b)(4)(B)(i)-- ``(i) subparagraph (A) shall not apply; and ``(ii) the direct guarantee endorsement lender may issue a certificate under this paragraph as evidence of the guarantee in accordance with requirements established by the Secretary.''; and (C) in paragraph (3), by inserting ``, or where applicable, the direct guarantee endorsement lender,'' after ``Secretary'' in each place that term appears; and (4) in subsection (l)-- (A) by redesignating paragraphs (8) and (9) as paragraphs (9) and (10), respectively; and (B) by inserting after paragraph (7) the following: ``(8) The term `tribally designated housing entity' has the meaning given the term in section 4 of the Native American Housing Assistance and Self-Determination Act of 1996 (25 U.S.C. 4103).''. (b) Loan Guarantees for Indian Housing.--Section 184(i)(5) of the Housing and Community Development Act of 1992 (12 U.S.C. 1715z- 13a(i)(5)) is amended-- (1) in subparagraph (B), by inserting after the first sentence the following: ``There are authorized to be appropriated for those costs such sums as may be necessary for each of fiscal years 2026 through 2032.''; and (2) in subparagraph (C), by striking ``2008 through 2012'' and inserting ``2026 through 2032''. SEC. 17. LOAN GUARANTEES FOR NATIVE HAWAIIAN HOUSING. Section 184A of the Housing and Community Development Act of 1992 (12 U.S.C. 1715z-13b) is amended-- (1) in subsection (b), by inserting ``, and to expand homeownership opportunities to Native Hawaiian families who are eligible to receive a homestead under the Hawaiian Homes Commission Act, 1920 (42 Stat. 108) on fee simple lands in the State of Hawaii'' after ``markets''; (2) in subsection (c)-- (A) by amending paragraph (2) to read as follows: ``(2) Eligible housing.--The loan shall be used to construct, acquire, refinance, or rehabilitate 1- to 4-family dwellings that are standard housing.''; (B) in paragraph (4)-- (i) in subparagraph (B)-- (I) by redesignating clause (iv) as clause (v); and (II) by adding after clause (iii) the following: ``(iv) Any other lender that is supervised, approved, regulated, or insured by any agency of the Federal Government, including any entity certified as a community development financial institution by the Community Development Financial Institutions Fund established under section 104(a) of the Riegle Community Development and Regulatory Improvement Act of 1994 (12 U.S.C. 4703(a)).''; and (ii) by adding at the end the following: ``(C) Direct guarantee endorsement and indemnification.-- ``(i) In general.--If the Secretary determines that a loan guaranteed under this section was not originated in accordance with the requirements established by the Secretary, the Secretary may require the lender approved under this paragraph to indemnify the Secretary for the loss or potential loss, irrespective of whether the violation caused or will cause the loan default. ``(ii) Direct guarantee endorsement.--The Secretary may, dependent on the availability of systems development and staffing resources, delegate to eligible lenders the authority to directly endorse loans under this section. ``(iii) Fraud or misrepresentation.--If fraud or misrepresentation is involved in a loan guaranteed under this section, the Secretary may require the originating lender approved under this subparagraph to indemnify the Secretary for the loss regardless of whether there was a payment made by the Secretary under the guarantee. ``(iv) Implementation.--The Secretary may implement any requirements described in this subparagraph by regulation, notice, or Dear Lender Letter. ``(v) Review of lenders.-- ``(I) In general.--The Secretary may periodically review the lenders originating, underwriting, or servicing single family mortgage loans under this section. ``(II) Requirements.--In conducting a review under paragraph (1), the Secretary-- ``(aa) shall compare the lender with other lenders originating or underwriting loan guarantees for Indian housing and Native Hawaiian housing based on the rates of defaults and claims for guaranteed loans originated, underwritten, or serviced by that lender; and ``(bb) may compare the lender with such other lenders based on underwriting quality, geographic area served, or any commonly used factors the Secretary determines necessary for comparing mortgage default risk, provided that the comparison is of factors that the Secretary would expect to affect the default risk of mortgage loans guaranteed by the Secretary.''; and (C) in paragraph (5)(A), by inserting before the semicolon at the end the following: ``except, as determined by the Secretary, when there is a loan modification under subsection (i)(1)(B), the term of the loan shall not exceed 40 years''; (3) in subsection (d)-- (A) in paragraph (1)-- (i) in subparagraph (A), by striking ``Before'' and inserting ``Except as provided in subsection (C), before''; (ii) in subparagraph (B), by striking ``If'' and inserting ``Except as provided under subparagraph (C), before''; and (iii) by adding at the end the following: ``(C) Exception.--When the Secretary exercises its discretion to delegate direct guarantee endorsement authority pursuant to subsection (c)(4)(C)(ii), subparagraphs (A) and (B) of this paragraph shall not apply.''; (B) by amending paragraph (2) to read as follows: ``(2) Standard for approval.-- ``(A) Approval.--Except as provided in subparagraph (B), the Secretary may approve a loan for guarantee under this section and issue a certificate under this subsection only if the Secretary determines that there is a reasonable prospect of repayment of the loan. ``(B) Exceptions.--When the Secretary exercises its discretion to delegate direct guarantee endorsement authority pursuant to subsection (c)(4)(C)(ii)-- ``(i) subparagraph (A) shall not apply; and ``(ii) the direct guarantee endorsement lender may issue a certificate under this paragraph as evidence of the guarantee in accordance with requirements prescribed by the Secretary.''; and (C) in paragraph (3)(A), by inserting ``or, where applicable, the direct guarantee endorsement lender,'' after ``Secretary''; and (4) in subsection (j)(5)(B), by inserting after the first sentence the following: ``There are authorized to be appropriated for those costs such sums as may be necessary for each of fiscal years 2026 through 2032.''. SEC. 18. RENTAL ASSISTANCE FOR HOMELESS OR AT-RISK INDIAN VETERANS. Section 8(o)(19) of the United States Housing Act of 1937 (42 U.S.C. 1437f(o)(19)) is amended by adding at the end the following: ``(E) Indian veterans housing rental assistance program.-- ``(i) Definitions.--In this subparagraph: ``(I) Eligible indian veteran.--The term `eligible Indian veteran' means an Indian veteran who is-- ``(aa) homeless or at risk of homelessness; and ``(bb) living-- ``(AA) on or near a reservation; or ``(BB) in or near any other Indian area. ``(II) Eligible recipient.--The term `eligible recipient' means a recipient eligible to receive a grant under section 101 of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4111). ``(III) Indian; indian area.--The terms `Indian' and `Indian area' have the meanings given those terms in section 4 of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4103). ``(IV) Indian veteran.--The term `Indian veteran' means an Indian who is a veteran. ``(V) Program.--The term `Program' means the Tribal HUD-VASH program carried out under clause (ii). ``(VI) Tribal organization.--The term `Tribal organization' has the meaning given the term in section 4 of the Indian Self-Determination and Education Assistance Act (25 U.S.C. 5304). ``(ii) Program specifications.--The Secretary may not use less than 5 percent of the amounts made available for rental assistance under this paragraph to carry out a rental assistance and supported housing program, to be known as the `Tribal HUD-VASH program', in conjunction with the Secretary of Veterans Affairs, by awarding grants for the benefit of eligible Indian veterans. ``(iii) Model.-- ``(I) In general.--Except as provided in subclause (II), the Secretary shall model the Program on the rental assistance and supported housing program authorized under subparagraph (A) and applicable appropriations Acts, including administration in conjunction with the Secretary of Veterans Affairs. ``(II) Exceptions.-- ``(aa) Secretary of housing and urban development.--After consultation with Indian Tribes, eligible recipients, and any other appropriate Tribal organizations, the Secretary may make necessary and appropriate modifications to facilitate the use of the Program by eligible recipients to serve eligible Indian veterans. ``(bb) Secretary of veterans affairs.--After consultation with Indian Tribes, eligible recipients, and any other appropriate Tribal organizations, the Secretary of Veterans Affairs may make necessary and appropriate modifications to facilitate the use of the Program by eligible recipients to serve eligible Indian veterans. ``(iv) Eligible recipients.--The Secretary shall make amounts for rental assistance and associated administrative costs under the Program available in the form of grants to eligible recipients. ``(v) Funding criteria.--The Secretary shall award grants under the Program based on-- ``(I) need; ``(II) administrative capacity; and ``(III) any other funding criteria established by the Secretary in a notice published in the Federal Register after consulting with the Secretary of Veterans Affairs. ``(vi) Administration.--Grants awarded under the Program shall be administered in accordance with the Native American Housing Assistance and Self-Determination Act of 1996 (25 U.S.C. 4101 et seq.), except that recipients shall-- ``(I) submit to the Secretary, in a manner prescribed by the Secretary, reports on the utilization of rental assistance provided under the Program; and ``(II) provide to the Secretary information specified by the Secretary to assess the effectiveness of the Program in serving eligible Indian veterans. ``(vii) Consultation.-- ``(I) Grant recipients; tribal organizations.--The Secretary, in coordination with the Secretary of Veterans Affairs, shall consult with eligible recipients and any other appropriate Tribal organization on the design of the Program to ensure the effective delivery of rental assistance and supportive services to eligible Indian veterans under the Program. ``(II) Indian health service.--The Director of the Indian Health Service shall provide any assistance requested by the Secretary or the Secretary of Veterans Affairs in carrying out the Program. ``(viii) Waiver.-- ``(I) In general.--Except as provided in subclause (II), the Secretary may waive or specify alternative requirements for any provision of law (including regulations) that the Secretary administers in connection with the use of rental assistance made available under the Program if the Secretary finds that the waiver or alternative requirement is necessary for the effective delivery and administration of rental assistance under the Program to eligible Indian veterans. ``(II) Exception.--The Secretary may not waive or specify alternative requirements under subclause (I) for any provision of law (including regulations) relating to labor standards or the environment. ``(ix) Renewal grants.--The Secretary may-- ``(I) set aside, from amounts made available for tenant-based rental assistance under this subsection and without regard to the amounts used for new grants under clause (ii), such amounts as may be necessary to award renewal grants to eligible recipients that received a grant under the Program in a previous year; and ``(II) specify criteria that an eligible recipient must satisfy to receive a renewal grant under subclause (I), including providing data on how the eligible recipient used the amounts of any grant previously received under the Program. ``(x) Reporting.--Not later than 1 year after the date of enactment of this subparagraph, and every 5 years thereafter, the Secretary, in coordination with the Secretary of Veterans Affairs and the Director of the Indian Health Service, shall-- ``(I) conduct a review of the implementation of the Program, including any factors that may have limited its success; and ``(II) submit a report describing the results of the review under item (aa) to-- ``(aa) the Committee on Indian Affairs, the Committee on Banking, Housing, and Urban Affairs, the Committee on Veterans' Affairs, and the Committee on Appropriations of the Senate; and ``(bb) the Subcommittee on Indian and Insular Affairs of the Committee on Natural Resources, the Committee on Financial Services, the Committee on Veterans' Affairs, and the Committee on Appropriations of the House of Representatives. ``(xi) Impact on formula current assisted stock.--For a given fiscal year's allocation formula of the Native American Housing Block Grants program, as authorized under title I of the Native American Housing Assistance and Self-Determination Act of 1996 (25 U.S.C. 4111 et seq.), the number of qualifying low-income housing dwelling units under section 302(b)(1) of the Native American Housing Assistance and Self-Determination Act of 1996 (25 U.S.C. 4152(b)(1)) may not be reduced due to the placement of an eligible Indian veteran assisted with amounts provided under the Program within such qualifying units.''. SEC. 19. CONTINUUM OF CARE. Title IV of the McKinney-Vento Homeless Assistance Act (42 U.S.C. 11360 et seq.) is amended-- (1) in section 401 (42 U.S.C. 11360)-- (A) by redesignating paragraphs (32) through (35) as paragraphs (33) through (36), respectively; and (B) by inserting after paragraph (31) the following: ``(32) Tribally designated housing entity.--The term `tribally designated housing entity' has the meaning given the term in section 4 of the Native American Housing Assistance and Self-Determination Act of 1996 (25 U.S.C. 4103).''; (2) in section 423(g) (42 U.S.C. 11383(g)), by inserting ``Indian Tribe, tribally designated housing entity,'' after ``private nonprofit organization,''; and (3) in section 435 (42 U.S.C. 11389)-- (A) by striking ``(as defined in section 4 of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4103))''; (B) by striking ``Notwithstanding'' and inserting the following: ``(a) Eligible Entities.--Notwithstanding''; and (C) by adding at the end the following: ``(b) Civil Rights Exemptions.--With respect to grants awarded to carry out eligible activities under this subtitle, title VI of the Civil Rights Act of 1964 (42 U.S.C. 2000d et seq.) and title VIII of the Civil Rights Act of 1968 (42 U.S.C. 3601 et seq.) shall not apply to applications or awards for projects to be carried out-- ``(1) on or off reservation or trust lands for awards made to Indian Tribes or tribally designated housing entities; ``(2) on reservation or trust lands for awards made to eligible entities; or ``(3) with respect to a project in which amounts provided under this Act will be used specifically to benefit Tribal communities or Tribal members, in formula areas (as such term is defined in section 1000.302 of title 24, Code of Federal Regulations, or any successor regulation) for the Indian Housing Block Grant. ``(c) Certification.--Notwithstanding section 106 of the Cranston- Gonzalez National Affordable Housing Act (42 U.S.C. 12706) and section 403 of this Act, with respect to applications for projects to be carried out on reservations or trust land using grants awarded under this subtitle-- ``(1) the applications shall contain a certification of consistency with an approved Indian housing plan developed under section 102 of the Native American Housing Assistance and Self-Determination Act (25 U.S.C. 4112); and ``(2) Indian Tribes and tribally designated housing entities that are recipients of awards for projects on reservations or trust land from such funds shall certify that they are following an approved housing plan developed under section 102 of the Native American Housing Assistance and Self- Determination Act (25 U.S.C. 4112). ``(d) Consolidated Plan Exemption.--A collaborative applicant for a Continuum of Care whose geographic area includes only reservation or trust land is not required to meet the requirement described in section 402(f)(2). ``(e) Waiver Authority for Tribal Participation.--In administering the amounts made available under this Act, the Secretary may waive, or specify alternative requirements for, any provision of any statute or regulation that the Secretary administers in connection with the obligation by the Secretary or the use by the recipient of these amounts (except for requirements related to labor standards and the environment), if the Secretary finds that good cause exists for the waiver or alternative requirement and such waiver or alternative requirement is necessary to modify any requirements preventing the participation of Indian Tribes or tribally designated housing entity in the Continuum of Care Program, or would expedite or facilitate the use of funds.''. SEC. 20. STREAMLINING REPORTING REQUIREMENTS. Section 404 of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4164) is amended-- (1) by redesignating subsection (d) as subsection (e); and (2) by inserting after subsection (c) the following: ``(d) Consolidated Reporting.--Notwithstanding any other provision of law, the Secretary shall develop policies and procedures that authorize interested Indian Tribes and tribally designated housing entities receiving grant amounts under this Act to submit to the Secretary, at their discretion, one consolidated annual performance report covering all grants the Indian Tribe or tribally designated housing entity receives from other grant programs administered by the Secretary.''. SEC. 21. APPLICATION OF BUILD AMERICA, BUY AMERICA REQUIREMENTS. The requirements under the Build America, Buy America Act (41 U.S.C. 8301 note) and any implementing regulations or guidance shall not apply to any housing activities carried out using any Federal financial assistance provided to Indian tribes, tribally designated housing entities, tribal organizations, and other Tribal entities (including the Department of Hawaiian Home Lands) under any Federal program. <all>\n--- KONIEC DOKUMENTU ---\n\nPAMIĘTAJ: Twoja odpowiedź MUSI być wyłącznie poprawnym obiektem JSON. Nie dodawaj żadnych dodatkowych znaków, komentarzy ani tekstu przed znacznikiem '{' ani po znaczniku '}'. Cała odpowiedź musi być parsowalna jako JSON.\nNa podstawie POWYŻSZEGO dokumentu, wypełnij poniższą strukturę JSON:\nOto struktura JSON, której oczekuję (wypełnij ją treścią):\n{\n  \"pl_ai_title\": \"Nowy, krótki tytuł dla aktu prawnego po polsku, oddający sedno wprowadzanych zmian (np. maksymalnie 10-12 słów).\",\n  \"pl_summary\": \"2-3 zdania zwięzłego podsumowania treści aktu prawnego po polsku, napisane z perspektywy wpływu na życie codzienne obywateli.\",\n  \"pl_key_points\": [\n    \"Pierwszy krótki punkt po polsku dotyczący najważniejszych wprowadzanych rozwiązań lub zmian.\",\n    \"Drugi krótki punkt po polsku...\"\n  ],\n  \"eng_ai_title\": \"A new, short title for the legal act in English, capturing the essence of the changes (e.g., max 10-12 words).\",\n  \"eng_summary\": \"2-3 sentences summarizing the legal act in English, from the perspective of its impact on citizens' daily lives.\",\n  \"eng_key_points\": [\n    \"First short bullet point in English regarding the most important solutions or changes being introduced.\",\n    \"Second short bullet point in English...\"\n  ],\n  \"de_ai_title\": \"Ein neuer, kurzer Titel für das Rechtsdokument auf Deutsch, der den Kern der Änderungen erfasst (z.B. max. 10-12 Wörter).\",\n  \"de_summary\": \"2-3 Sätze Zusammenfassung des Rechtsdokuments auf Deutsch, aus der Perspektive seiner Auswirkungen auf das tägliche Leben der Bürger.\",\n  \"de_key_points\": [\n    \"Erster kurzer Stichpunkt auf Deutsch zu den wichtigsten eingeführten Lösungen oder Änderungen.\",\n    \"Zweiter kurzer Stichpunkt auf Deutsch...\"\n  ],\n  \"fr_ai_title\": \"Un nouveau titre court pour l'acte juridique en français, saisissant l'essence des changements (par exemple, 10-12 mots maximum).\",\n  \"fr_summary\": \"Résumé de 2-3 phrases de l'acte juridique en français, du point de vue de son impact sur la vie quotidienne des citoyens.\",\n  \"fr_key_points\": [\n    \"Premier court point en français concernant les solutions ou changements les plus importants introduits.\",\n    \"Deuxième court point en français...\"\n  ],\n  \"es_ai_title\": \"Un nuevo título breve para el acto jurídico en español, que recoja la esencia de los cambios (por ejemplo, máximo 10-12 palabras).\",\n  \"es_summary\": \"Resumen de 2-3 frases del acto jurídico en español, desde la perspectiva de su impacto en la vida cotidiana de los ciudadanos.\",\n  \"es_key_points\": [\n    \"Primer punto breve en español sobre las soluciones o cambios más importantes que se introducen.\",\n    \"Segundo punto breve en español...\"\n  ],\n  \"it_ai_title\": \"Un nuovo titolo breve per l'atto giuridico in italiano, che colga l'essenza delle modifiche (ad es. massimo 10-12 parole).\",\n  \"it_summary\": \"Riepilogo di 2-3 frasi dell'atto giuridico in italiano, dal punto di vista del suo impatto sulla vita quotidiana dei cittadini.\",\n  \"it_key_points\": [\n    \"Primo breve punto in italiano riguardante le soluzioni o le modifiche più importanti introdotte.\",\n    \"Secondo breve punto in italiano...\"\n  ],\n  \"nl_ai_title\": \"Een nieuwe, korte titel voor de rechtshandeling in het Nederlands, die de essentie van de wijzigingen weergeeft (bijv. max. 10-12 woorden).\",\n  \"nl_summary\": \"Samenvatting van 2-3 zinnen van de rechtshandeling in het Nederlands, vanuit het perspectief van de impact op het dagelijks leven van burgers.\",\n  \"nl_key_points\": [\n    \"Eerste korte punt in het Nederlands betreffende de belangrijkste geïntroduceerde oplossingen of wijzigingen.\",\n    \"Tweede korte punt in het Nederlands...\"\n  ],\n  \"pt_ai_title\": \"Um novo título curto para o ato jurídico em português, capturando a essência das mudanças (por exemplo, máx. 10-12 palavras).\",\n  \"pt_summary\": \"Resumo de 2-3 frases do ato jurídico em português, na perspetiva do seu impacto na vida quotidiana dos cidadãos.\",\n  \"pt_key_points\": [\n    \"Primeiro ponto curto em português sobre as soluções ou alterações mais importantes introduzidas.\",\n    \"Segundo ponto curto em português...\"\n  ],\n  \"category\": [\"Categorize the document into one category by default, based on the field it primarily concerns. Choose up to 3 if the document also touches upon SIGNIFICANT issues from other categories. You MUST select categories ONLY from the following list: Health, Education, Family, Taxes, Labor, Security, Environment, Courts and Law, Transport, Benefits, Real Estate, Media and Culture, Local Government, Migration, Agriculture, Public Investments, Informatization, Economy. If the document does not definitively fit any of these, you MUST use \"Other\". If you use \"Other\", it should be the ONLY category selected. Do NOT invent new categories. The response must be an array of strings, e.g., [\"Taxes\", \"Family\"].\"]\n}\n\n",
      "ai_response_raw": "{\n  \"pl_ai_title\": \"Modernizacja pomocy mieszkaniowej dla rdzennych Amerykanów i Hawajczyków 2026\",\n  \"pl_summary\": \"Ustawa ułatwia dostęp do mieszkań i kredytów hipotecznych dla społeczności rdzennych Amerykanów oraz Hawajczyków poprzez uproszczenie przepisów i zwiększenie finansowania. Wprowadza nowe formy wsparcia dla studentów oraz specjalne programy mieszkaniowe dla weteranów zagrożonych bezdomnością.\",\n  \"pl_key_points\": [\n    \"Wydłużenie okresu dzierżawy gruntów plemiennych do 99 lat, co ułatwia uzyskanie kredytu i budowę domu.\",\n    \"Wprowadzenie nowej pomocy finansowej na zakwaterowanie dla studentów pochodzących z plemion.\",\n    \"Uproszczenie procedur środowiskowych, co przyspieszy budowę nowych osiedli mieszkaniowych.\",\n    \"Stworzenie stałego programu dopłat do czynszu dla weteranów wojennych znajdujących się w trudnej sytuacji życiowej.\",\n    \"Zwiększenie swobody plemion w ustalaniu własnych zasad dotyczących wysokości czynszów i wyboru najemców.\"\n  ],\n  \"eng_ai_title\": \"Native American Housing Assistance and Self-Determination Modernization Act of 2026\",\n  \"eng_summary\": \"This act simplifies housing assistance and mortgage access for Native American and Native Hawaiian communities by streamlining regulations and increasing funding. It introduces new support for students and dedicated housing programs for veterans at risk of homelessness.\",\n  \"eng_key_points\": [\n    \"Extends land lease terms on tribal lands to 99 years to facilitate homeownership and financing.\",\n    \"Provides new financial assistance specifically for college student housing.\",\n    \"Streamlines environmental review processes to speed up the construction of new housing projects.\",\n    \"Establishes a permanent rental assistance program for Native American veterans facing homelessness.\",\n    \"Grants tribes more autonomy to set their own rent levels and tenant selection policies.\"\n  ],\n  \"de_ai_title\": \"Modernisierung der Wohnungsbauhilfe für indigene Amerikaner und Hawaiianer 2026\",\n  \"de_summary\": \"Dieses Gesetz vereinfacht den Zugang zu Wohnraum und Hypotheken für indigene Gemeinschaften durch den Abbau von Bürokratie und höhere Mittel. Es führt neue Hilfen für Studenten und spezielle Wohnprogramme für von Obdachlosigkeit bedrohte Veteranen ein.\",\n  \"de_key_points\": [\n    \"Verlängerung der Pachtdauer für Stammesland auf 99 Jahre zur Erleichterung von Hausbau und Finanzierung.\",\n    \"Einführung neuer finanzieller Unterstützung für die Unterbringung von Studenten.\",\n    \"Straffung der Umweltprüfungsverfahren, um den Bau neuer Wohnprojekte zu beschleunigen.\",\n    \"Einrichtung eines dauerhaften Mietassistenzprogramms für indigene Veteranen in Notlagen.\",\n    \"Mehr Eigenverantwortung für Stämme bei der Festlegung von Miethöhen und Belegungsregeln.\"\n  ],\n  \"fr_ai_title\": \"Modernisation de l'aide au logement pour les Amérindiens et Hawaïens 2026\",\n  \"fr_summary\": \"Cette loi facilite l'accès au logement et aux prêts immobiliers pour les communautés autochtones en simplifiant les réglementations et en augmentant les fonds. Elle introduit de nouveaux soutiens pour les étudiants et des programmes dédiés aux vétérans sans abri.\",\n  \"fr_key_points\": [\n    \"Extension des baux fonciers sur les terres tribales à 99 ans pour favoriser l'accession à la propriété.\",\n    \"Nouvelle aide financière spécifique pour le logement des étudiants universitaires.\",\n    \"Simplification des examens environnementaux pour accélérer la construction de nouveaux logements.\",\n    \"Création d'un programme permanent d'aide au loyer pour les vétérans autochtones risquant l'itinérance.\",\n    \"Plus grande autonomie des tribus pour fixer leurs propres niveaux de loyer et critères de sélection.\"\n  ],\n  \"es_ai_title\": \"Modernización de la asistencia de vivienda para nativos americanos y hawaianos 2026\",\n  \"es_summary\": \"Esta ley facilita el acceso a la vivienda y a hipotecas para las comunidades indígenas mediante la simplificación de normas y el aumento de fondos. Incluye nuevos apoyos para estudiantes y programas de vivienda para veteranos en riesgo de sinhogarismo.\",\n  \"es_key_points\": [\n    \"Extensión de los plazos de arrendamiento de tierras tribales a 99 años para facilitar la compra de viviendas.\",\n    \"Nueva asistencia financiera destinada específicamente al alojamiento de estudiantes universitarios.\",\n    \"Agilización de los trámites ambientales para acelerar la construcción de nuevos proyectos de vivienda.\",\n    \"Establecimiento de un programa permanente de ayuda al alquiler para veteranos indígenas vulnerables.\",\n    \"Mayor autonomía para que las tribus definan sus propios precios de alquiler y políticas de selección.\"\n  ],\n  \"it_ai_title\": \"Modernizzazione dell'assistenza abitativa per i nativi americani e hawaiani 2026\",\n  \"it_summary\": \"Questa legge facilita l'accesso alla casa e ai mutui per le comunità indigene semplificando le normative e aumentando i finanziamenti. Introduce nuovi aiuti per gli studenti e programmi abitativi per i veterani a rischio di povertà estrema.\",\n  \"it_key_points\": [\n    \"Estensione della durata delle locazioni di terreni tribali a 99 anni per favorire la proprietà della casa.\",\n    \"Nuovo sostegno finanziario specifico per l'alloggio degli studenti universitari.\",\n    \"Semplificazione delle procedure di revisione ambientale per velocizzare i nuovi progetti edilizi.\",\n    \"Creazione di un programma permanente di assistenza all'affitto per i veterani indigeni senza fissa dimora.\",\n    \"Maggiore autonomia alle tribù nella gestione dei canoni di locazione e nella scelta degli inquilini.\"\n  ],\n  \"nl_ai_title\": \"Modernisering van de huisvestingsbijstand voor inheemse Amerikanen en Hawaiianen 2026\",\n  \"nl_summary\": \"Deze wet vereenvoudigt de toegang tot woningen en hypotheken voor inheemse gemeenschappen door regels te versoepelen en budgetten te verhogen. Er komt nieuwe steun voor studenten en speciale huisvesting voor veteranen die dakloos dreigen te worden.\",\n  \"nl_key_points\": [\n    \"Verlenging van erfpachttermijnen op stamgronden naar 99 jaar om woningbouw en financiering te vergemakkelijken.\",\n    \"Nieuwe financiële bijstand specifiek voor de huisvesting van studenten.\",\n    \"Stroomlijning van milieucontroles om de bouw van nieuwe woonprojecten te versnellen.\",\n    \"Vastlegging van een permanent huurbijstandsprogramma voor inheemse veteranen in nood.\",\n    \"Meer vrijheid voor stammen om zelf huurprijzen en toelatingsbeleid voor huurders te bepalen.\"\n  ],\n  \"pt_ai_title\": \"Modernização da assistência habitacional para nativos americanos e havaianos 2026\",\n  \"pt_summary\": \"Esta lei facilita o acesso à habitação e a empréstimos para comunidades indígenas, simplificando regulamentos e aumentando o financiamento. Introduz novos apoios para estudantes e programas de habitação para veteranos em risco de sem-abrigo.\",\n  \"pt_key_points\": [\n    \"Extensão dos prazos de arrendamento de terras tribais para 99 anos para facilitar o financiamento da casa própria.\",\n    \"Novo apoio financeiro específico para o alojamento de estudantes universitários.\",\n    \"Simplificação dos processos de revisão ambiental para acelerar a construção de novos bairros.\",\n    \"Criação de um programa permanente de assistência ao aluguer para veteranos indígenas vulneráveis.\",\n    \"Maior autonomia para as tribos definirem os seus próprios níveis de renda e regras de seleção de inquilinos.\"\n  ],\n  \"category\": [\"Real Estate\", \"Benefits\"]\n}"
    },
    {
      "timestamp": "2026-04-13T14:10:41.685Z",
      "source_url": "https://www.congress.gov/119/bills/hr8092/BILLS-119hr8092ih.htm",
      "model": "gemini-flash-latest",
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To jest treść, na podstawie której masz wygenerować podsumowanie i kluczowe punkty:\n--- POCZĄTEK DOKUMENTU ---\n[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.R. 8092 Introduced in House (IH)] <DOC> 119th CONGRESS 2d Session H. R. 8092 To reauthorize the Native American Housing Assistance and Self- Determination Act of 1996, and for other purposes. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES March 26, 2026 Mr. Downing (for himself, Ms. Bynum, Mr. Cole, Mr. Lucas, Mr. Huizenga, Mrs. Wagner, Mr. Meuser, Mr. Haridopolos, Mr. Lawler, Ms. De La Cruz, Mr. Barr, Mr. Steil, Mr. Davidson, Mr. Stutzman, Mr. Loudermilk, Mr. Zinke, Mr. Bacon, Mr. Fleischmann, Mr. Johnson of South Dakota, Mrs. Fedorchak, Mr. Simpson, Mr. Liccardo, Ms. Moore of Wisconsin, Ms. Davids of Kansas, Ms. Craig, Mr. Davis of North Carolina, Mr. Vasquez, Mr. Larsen of Washington, Mr. Stanton, Mr. Keating, Ms. Leger Fernandez, Ms. Pingree, Ms. Stansbury, Mr. Bentz, and Mr. Nunn of Iowa) introduced the following bill; which was referred to the Committee on Financial Services _______________________________________________________________________ A BILL To reauthorize the Native American Housing Assistance and Self- Determination Act of 1996, and for other purposes. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. SHORT TITLE; TABLE OF CONTENTS. (a) Short Title.--This Act may be cited as the ``Native American Housing Assistance and Self-Determination Modernization Act of 2026''. (b) Table of Contents.--The table of contents for this Act is as follows: Sec. 1. Short title; Table of contents. Sec. 2. Consolidation of environmental review requirements. Sec. 3. Authorization of appropriations. Sec. 4. Student housing assistance. Sec. 5. Clarification of application of rent rule only to units owned or operated by Indian Tribe or tribally designated housing entity. Sec. 6. Deadline for action on request for approval regarding exceeding TDC maximum cost for project. Sec. 7. Homeownership or lease-to-own low-income requirement and income targeting. Sec. 8. Lease requirements and tenant selection. Sec. 9. Statutory authority to suspend grant funds in emergencies. Sec. 10. Reports to Congress. Sec. 11. 99-year leasehold interest in trust or restricted lands for housing purposes. Sec. 12. Reauthorization of housing assistance for Native Hawaiians. Sec. 13. Community-based development organizations and special activities by Indian Tribes. Sec. 14. Housing counseling certification waiver. Sec. 15. Eligibility for housing counseling grants. Sec. 16. Section 184 Indian home loan guarantee program. Sec. 17. Loan guarantees for Native Hawaiian housing. Sec. 18. Rental assistance for homeless or at-risk Indian veterans. Sec. 19. Continuum of care. Sec. 20. Streamlining reporting requirements. Sec. 21. Application of Build America, Buy America requirements. SEC. 2. CONSOLIDATION OF ENVIRONMENTAL REVIEW REQUIREMENTS. Section 105 of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4115) is amended-- (1) in subsection (c)(2) by adding after ``other officer of the Tribe'' the following: ``, or a tribally designated housing entity official designated by the Tribe,''; (2) in subsection (d)-- (A) by redesignating paragraphs (1) through (4) as subparagraphs (A) through (D), respectively; (B) by striking ``The Secretary may'' and inserting the following: ``(1) In general.--The Secretary shall''; and (C) by adding at the end the following: ``(2) Waiver request.--The Secretary shall act upon a waiver request submitted under this subsection within 60 days after receipt of such request.''; and (3) by adding at the end the following new subsections: ``(e) Consolidation of Environmental Review Requirements.--For assistance provided under this Act, including under title VIII of this Act, and grants to Indian Tribes issued under title I of the Housing and Community Development Act of 1974 (42 U.S.C. 5301 et seq.), the Indian Tribe or the Director of the Department of Hawaiian Home Lands shall be deemed to be in compliance with the environmental review requirements under this section or section 806 of this Act, title I of the Housing and Community Development Act of 1974, and the National Environmental Policy Act of 1969 (42 U.S.C. 4321 et seq.), with regard to such project and to discharge any applicable environmental review requirements that might apply to Federal agencies with respect to the use of additional Federal funding sources for that project, if-- ``(1) a recipient is using 1 or more sources of Federal funds in addition to grant amounts under this Act or in addition to a grant made to an Indian Tribe under title I of the Housing and Community Development Act of 1974; ``(2) such other sources of Federal funds do not exceed 49 percent of the Federal share of the project cost; and ``(3) the recipient's Indian Tribe or the Director of the Department of Hawaiian Home Lands has assumed all of the responsibilities for environmental review, decision-making, and action pursuant to this section, section 806 of this Act, or title I of the Housing and Community Development Act of 1974. ``(f) Environmental Streamlining.--For activities assisted under this Act, including title VIII of this Act, or assisted with a grant to an Indian Tribe under title I of the Housing and Community Development Act (42 U.S.C. 5301 et seq.), each of the following apply: ``(1) General exemption.--Notwithstanding any other provision of law, activities are exempt from any environmental review requirements where-- ``(A) similar statutory exemptions apply to comparable activities of other Federal agencies; ``(B) the activity is an affordable housing activity having a total cost of not more than $250,000; ``(C) the activity is acquisition of property, including long-term equipment, funded using non-Federal sources; or ``(D) the activity involves the rehabilitation of a structure and-- ``(i) the cost of the rehabilitation is less than fifty percent of the market value of the structure before rehabilitation; and ``(ii) the rehabilitation involves no ground disturbance, footprint change, or historic structure. ``(2) Radon exemption.--Notwithstanding any other provision of law, the Secretary may not require recipients (including the Director under title VIII of this Act) and Indian Tribes to consider or test for radon in the environmental review. Nothing in this provision shall be construed to limit the authority of a recipient (including the Director under title VIII of this Act) and an Indian Tribe to consider, test for, and mitigate radon. ``(3) Lead testing.-- ``(A) Testing.--Lead paint testing of target housing that is in a remote area, and that is being rehabilitated, renovated, repaired, or painted in a manner that will repair or disturb building components that are painted or coated, must be conducted via-- ``(i) paint chip testing, lead-based paint inspection, visual assessment for deteriorated paint, or a lead risk assessment for lead-based paint hazards, as applicable in accordance with section 1012 of the Residential Lead-Based Paint Hazard Reduction Act of 1992; or ``(ii) visual assessment for deteriorated paint and use of EPA-recognized lead test kits in accordance with sections 402 or 404, as applicable, of the Toxic Substances Control Act (15 U.S.C. 2682, 2684) on each building component that is painted or coated and is to be disturbed. ``(B) Definitions.--In this paragraph: ``(i) Remote area.--The term `Remote Area' means as the area of a United States Postal Service ZIP Code that has a level 1 Frontier and Remote Area code as most recently posted on the website of the Department of Agriculture. ``(ii) Target housing.--The term `Target Housing' has the meaning given the term in section 1004(27) of the Residential Lead-Based Paint Hazard Reduction Act of 1992 (42 U.S.C. 4851b(27)) assisted under the Native American Housing Assistance and Self-Determination Act of 1996. ``(4) Siting of hud projects near explosive and flammable hazards.-- ``(A) In general.--Recipients carrying out activities under this Act (including the Director under title VIII of this Act) or Indian Tribe carrying out activities under title I of the Housing and Community Development Act shall be exempt from the Secretary's acceptable separation distance requirements and mitigation for residential tanks when the tank-- ``(i) has a capacity of 1,320 gallons or less; ``(ii) is intended to contain common liquid fuels such as gasoline, fuel oil, kerosene, diesel, liquified petroleum gas (propane), or crude oil; ``(iii) is sited on land or property that contains a one- to four-family dwelling; ``(iv) is intended to be used solely by residents of such dwelling; and ``(v) is intended to be used by residents of such dwelling exclusively for non- commercial, non-industrial purposes. ``(B) Rule of construction.--Nothing in this provision shall be construed to limit the authority of a recipient (including the Director under title VIII of this Act) or an Indian Tribe to consider acceptable separation distance or implement mitigation measures. ``(C) Application.--The Secretary's acceptable separation distance requirements between a residential structure assisted with funds under this Act (or assisted with funds under a grant to an Indian Tribe under title 1 of the Housing and Community Development Act) and an above-ground storage tank used to store hazardous substances as defined in subpart C of part 51 of title 24, Code of Federal Regulations, or successor regulation, including mitigation measures, do not apply if the Indian Tribe or recipient (including the Director under title VIII of this Act) determines that-- ``(i) inapplicability of the requirements is necessary to address the housing needs of the Indian Tribe or recipient (including the Director under title VIII of this Act); ``(ii) the use of an alternative standard, or the absence of a standard, does not present an unacceptable risk to the health or safety of residents; and ``(iii) the Indian Tribe or recipient (including the Director under title VIII of this Act) has provided notice and an opportunity for comment to residents of the affected area regarding the inapplicability of the requirements, and has developed a safety and response plan. ``(5) Streamlining wetland requirements.--The Secretary may not apply additional requirements involving protection of wetlands in instances where an affected wetland requires a U.S. Army Corps of Engineers General, Regional, or individual permit and the Indian Tribe or recipient (including the Director under title VIII of this Act) complies with permit conditions.''. SEC. 3. AUTHORIZATION OF APPROPRIATIONS. Section 108 of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4117) is amended, in the first sentence, by striking ``2009 through 2013'' and inserting ``2026 through 2032''. SEC. 4. STUDENT HOUSING ASSISTANCE. Section 202(3) of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4132(3)) is amended by inserting ``including college housing assistance,'' after ``self-sufficiency and other services,''. SEC. 5. CLARIFICATION OF APPLICATION OF RENT RULE ONLY TO UNITS OWNED OR OPERATED BY INDIAN TRIBE OR TRIBALLY DESIGNATED HOUSING ENTITY. Section 203(a) of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4133(a)) is amended-- (1) in paragraph (2), by inserting ``owned or operated by a recipient and'' after ``residing in a dwelling unit''; and (2) by adding at the end the following: ``(3) Self-determination.--Notwithstanding paragraph (2), recipients may establish their own policies governing maximum and minimum rents and homebuyer payments for dwelling units assisted under this Act, provided such policies are written and made publicly available.''. SEC. 6. DEADLINE FOR ACTION ON REQUEST FOR APPROVAL REGARDING EXCEEDING TDC MAXIMUM COST FOR PROJECT. (a) Approval.--Section 103 of the Native American Housing Assistance and Self-Determination Act of 1996 (25 U.S.C. 4113) is amended by adding at the end the following new subsection: ``(f) Deadline for Action on Request To Exceed TDC Maximum.-- ``(1) Deadline.--A request for approval by the Secretary to exceed by more than 10 percent the total development cost maximum cost for a project shall be approved or denied during the 60-day period that begins on the date that the Secretary receives the request. ``(2) No response by secretary.--If the Secretary does not respond to a request in the 60-day period described in paragraph (1), the request shall be deemed approved.''. (b) Definition.--Section 4 of the Native American Housing Assistance and Self-Determination Act of 1996 (25 U.S.C. 4103) is amended-- (1) by redesignating paragraph (22) as paragraph (23); and (2) by inserting after paragraph (21) the following new paragraph: ``(22) Total development cost.--The term `total development cost' means, with respect to a housing project, the sum of all costs for the project, including all undertakings necessary for administration, planning, site acquisition, demolition, construction or equipment and financing (including payment of carrying charges), and for otherwise carrying out the development of the project, excluding off-site water and sewer. The total development cost amounts shall be based on a moderately designed house and determined by averaging the current construction costs as listed in not less than two nationally recognized residential construction cost indices.''. SEC. 7. HOMEOWNERSHIP OR LEASE-TO-OWN LOW-INCOME REQUIREMENT AND INCOME TARGETING. Section 205 of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4135) is amended-- (1) in subsection (a)(1)-- (A) in subparagraph (C), by striking ``and'' at the end; and (B) by adding at the end the following: ``(E) notwithstanding any other provision of this paragraph, in the case of rental housing that is made available to a current rental family for conversion to a homebuyer or a lease-purchase unit-- ``(i) that the current rental family can purchase through a contract of sale, lease- purchase agreement, or any other sales agreement; and ``(ii) the housing is made available for purchase only by the current rental family, if the rental family was a low-income family at the time of their initial occupancy of such unit; and''; and (2) in subsection (c)-- (A) by striking ``The provisions'' and inserting the following: ``(1) In general.--The provisions''; and (B) by adding at the end the following: ``(2) Applicability to improvements.--The provisions of subsection (a)(2) regarding binding commitments for the remaining useful life of property shall not apply to improvements of privately owned homes if the cost of the improvements do not exceed 10 percent of the maximum total development cost for the home.''. SEC. 8. LEASE REQUIREMENTS AND TENANT SELECTION. Section 207 of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4137) is amended by adding at the end the following: ``(c) Notice of Termination.--The notice period described in subsection (a)(3) shall apply to projects and programs funded in part by amounts authorized under this Act.''. SEC. 9. STATUTORY AUTHORITY TO SUSPEND GRANT FUNDS IN EMERGENCIES. Section 401(a)(4) of the Native American Housing Assistance and Self-Determination Act of 1996 (25 U.S.C. 4161(a)(4)) is amended-- (1) in subparagraph (A), by striking ``may take an action described in paragraph (1)(C)'' and inserting ``may immediately take an action described in paragraph (1)(C)''; and (2) by striking subparagraph (B) and inserting the following: ``(B) Procedural requirements.-- ``(i) In general.--If the Secretary takes an action described in subparagraph (A), the Secretary shall provide notice to the recipient at the time that the Secretary takes that action. ``(ii) Notice requirements.--The notice under clause (i) shall inform the recipient that the recipient may request a hearing by not later than 30 days after the date on which the Secretary provides the notice. ``(iii) Hearing requirements.--A hearing requested under clause (ii) shall be conducted-- ``(I) in accordance with subpart A of part 26 of title 24, Code of Federal Regulations (or successor regulations); and ``(II) to the maximum extent practicable, on an expedited basis. ``(iv) Failure to conduct a hearing.--If a hearing requested under clause (ii) is not completed by the date that is 180 days after the date on which the recipient requests the hearing, the action of the Secretary to limit the availability of payments shall no longer be effective.''. SEC. 10. REPORTS TO CONGRESS. Section 407 of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4167) is amended-- (1) in subsection (a), by striking ``Congress'' and inserting ``Committee on Indian Affairs and the Committee on Banking, Housing, and Urban Affairs of the Senate and the Committee on Financial Services of the House of Representatives''; and (2) by adding at the end the following: ``(c) Public Availability.--The report described in subsection (a) shall be made publicly available, including to recipients.''. SEC. 11. 99-YEAR LEASEHOLD INTEREST IN TRUST OR RESTRICTED LANDS FOR HOUSING PURPOSES. Section 702 of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4211) is amended-- (1) in the section heading, by striking ``50-year'' and inserting ``99-year''; (2) in subsection (b), by striking ``50 years'' and inserting ``99 years''; and (3) in subsection (c)(2), by striking ``50 years'' and inserting ``99 years''. SEC. 12. REAUTHORIZATION OF HOUSING ASSISTANCE FOR NATIVE HAWAIIANS. Section 824 of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4243) is amended by striking ``for each of fiscal years 2001, 2002, 2003, 2004, and 2005'' and inserting ``each of fiscal years 2026 through 2032.''. SEC. 13. COMMUNITY-BASED DEVELOPMENT ORGANIZATIONS AND SPECIAL ACTIVITIES BY INDIAN TRIBES. Section 105 of the Housing and Community Development Act of 1974 (42 U.S.C. 5305) is amended by adding at the end the following: ``(i) Indian Tribes, Tribally Designated Housing Entities, and Tribal Organizations as Community-Based Development Organizations.-- ``(1) Definitions.--In this subsection: ``(A) Tribally designated housing entity.--The term `tribally designated housing entity' has the meaning given the term in section 4 of the Native American Housing Assistance and Self-Determination Act of 1996 (25 U.S.C. 4103). ``(B) Tribal organization.--The term `Tribal organization' has the meaning given the term in section 4 of the Indian Self-Determination and Education Assistance Act (25 U.S.C. 5304). ``(2) Qualification.--An Indian Tribe, a tribally designated housing entity, or a Tribal organization shall qualify as a community-based development organization for purposes of carrying out new housing construction under this subsection for a grant made under section 106(a)(1). ``(j) Special Activities by Indian Tribes.--An Indian Tribe (or a Tribal organization or Tribally designated housing entity designated by such Indian Tribe) receiving a grant under section 106(a)(1) shall be authorized to directly carry out activities described in subsection (a)(15).''. SEC. 14. HOUSING COUNSELING CERTIFICATION WAIVER. Subtitle A of title II of the Native American Housing Assistance and Self-Determination Act of 1996 (25 U.S.C. 4131 et seq.) is amended by adding at the end the following new section: ``SEC. 211. HOUSING COUNSELING CERTIFICATION WAIVER. ``Notwithstanding section 106(g)(1) of the Housing and Urban Development Act of 1968 (12 U.S.C. 1701x(g)(1)), Indian Tribes, Tribal organizations, tribally designated housing entities and the Department of Hawaiian Homelands carrying out homeownership counseling or rental housing counseling under section 105(a)(20) of the Housing and Community Development Act of 1974 (42 U.S.C. 5305(a)(20)) and sections 202(3) and 810(b)(2)(A) of the Native American Housing and Self- Determination Act of 1996 (25 U.S.C. 4132(3), 4229(b)(2)(A)), may not be required to comply with any housing counseling certification requirements established by the Secretary. Nothing in this provision shall be construed as limiting such recipients' ability to obtain a housing counseling certification from the Secretary.''. SEC. 15. ELIGIBILITY FOR HOUSING COUNSELING GRANTS. Section 106(a)(4) of the Housing and Urban Development Act of 1968 (12 U.S.C. 1701x(a)(4)) is amended-- (1) in subparagraph (A)-- (A) by striking ``and'' and inserting a comma; and (B) by inserting before the period at the end the following: ``, Indian Tribes, and tribally designated housing entities''; (2) in subparagraph (B), by inserting ``, Indian Tribes, and tribally designated housing entities'' after ``organizations)''; (3) by redesignating subparagraph (F) as subparagraph (G); and (4) by inserting after subparagraph (E) the following: ``(F) Definitions.--In this paragraph, the terms `Indian Tribe' and `tribally designated housing entity' have the meanings given those terms in section 4 of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4103).''. SEC. 16. SECTION 184 INDIAN HOME LOAN GUARANTEE PROGRAM. (a) In General.--Section 184 of the Housing and Community Development Act of 1992 (12 U.S.C. 1715z-13a) is amended-- (1) by amending subsection (a) to read as follows: ``(a) Authority.--To provide access to sources of private financing to Indian families, Indian housing authorities, and Indian Tribes, who otherwise could not acquire housing financing because of the unique legal status of Indian lands and the unique nature of Tribal economies, and to expand homeownership opportunities to Indian families, tribally designated housing entities, Indian housing authorities and Indian Tribes on fee simple lands, the Secretary may guarantee not to exceed 100 percent of the unpaid principal and interest due on any loan eligible under subsection (b) made to an Indian family, tribally designated housing entities, Indian housing authority, or Indian Tribe on trust land and fee simple land.''; (2) in subsection (b)-- (A) by amending paragraph (2) to read as follows: ``(2) Eligible housing.--The loan shall be used to construct, acquire, refinance, or rehabilitate 1- to 4-family dwellings that are standard housing.''; (B) in paragraph (4)-- (i) by redesignating subparagraphs (A) through (D) as clauses (i) through (iv), respectively, and adjusting the margins accordingly; (ii) by striking ``The loan'' and inserting the following: ``(A) In general.--The loan''; (iii) in subparagraph (A), as so redesignated, by adding at the end the following: ``(v) Any entity certified as a community development financial institution by the Community Development Financial Institutions Fund established under section 104(a) of the Riegle Community Development and Regulatory Improvement Act of 1994 (12 U.S.C. 4703(a)).''; and (iv) by adding at the end the following: ``(B) Direct guarantee process.-- ``(i) Authorization.--The Secretary may authorize qualifying lenders to participate in a direct guarantee process for approving loans under this section. ``(ii) Indemnification.-- ``(I) In general.--If the Secretary determines that a mortgage guaranteed through a direct guarantee process under this subparagraph was not originated in accordance with the requirements established by the Secretary, the Secretary may require the lender approved under this subparagraph to indemnify the Secretary for the loss, irrespective of whether the violation caused the mortgage default. ``(II) Fraud or misrepresentation.--If fraud or misrepresentation is involved in a direct guarantee process under this subparagraph, the Secretary may require the originating lender approved under this subparagraph to indemnify the Secretary for the loss regardless of when an insurance claim is paid. ``(III) Implementation.--The Secretary may implement any requirement described in this subparagraph by regulation, notice or Dear Lender Letter. ``(C) Review of mortgagees.-- ``(i) In general.--The Secretary may periodically review the mortgagees originating, underwriting, or servicing single family mortgage loans under this section. ``(ii) Requirements.--In conducting a review under clause (i), the Secretary-- ``(I) shall compare the mortgagee with other mortgagees originating or underwriting loan guarantees for Indian housing based on the rates of defaults and claims for guaranteed mortgage loans originated, underwritten, or serviced by that mortgagee; ``(II) may compare the mortgagee with such other mortgagees based on underwriting quality, geographic area served, or any commonly used factors the Secretary determines necessary for comparing mortgage default risk, provided that the comparison is of factors that the Secretary would expect to affect the default risk of mortgage loans guaranteed by the Secretary; ``(III) shall implement such comparisons by regulation, notice, or Dear Lender Letter; and ``(IV) may terminate the approval of a mortgagee to originate, underwrite, or service loan guarantees for housing under this section if the Secretary determines that the mortgage loans originated, underwritten, or serviced by the mortgagee present an unacceptable risk to the Indian Housing Loan Guarantee Fund established under clause (i)-- ``(aa) based on a comparison of any of the factors set forth in this subparagraph; or ``(bb) by a determination that the mortgagee engaged in fraud or misrepresentation.''; and (C) in paragraph (5)(A), by inserting before the semicolon at the end the following: ``except, as determined by the Secretary, when there is a loan modification under subsection (h)(1)(B), the term of the loan shall not exceed 40 years''; (3) in subsection (c)-- (A) in paragraph (1)-- (i) by striking ``Before'' and inserting the following: ``(A) In general.--Except as provided in subparagraph (B), before''; and (ii) by adding at the end the following: ``(B) Exception.--Subparagraph (A) shall not apply when the Secretary exercises their discretion to delegate direct guarantee endorsement authority to eligible lenders under subsection (b)(4)(B)(i).''; (B) in paragraph (2)-- (i) by striking ``The Secretary'' and inserting the following: ``(A) In general.--Except as provided in subparagraph (B), the Secretary''; and (ii) by adding at the end the following: ``(B) Exceptions.--When the Secretary exercises its discretion to delegate direct guarantee endorsement authority to eligible lenders under subsection (b)(4)(B)(i)-- ``(i) subparagraph (A) shall not apply; and ``(ii) the direct guarantee endorsement lender may issue a certificate under this paragraph as evidence of the guarantee in accordance with requirements established by the Secretary.''; and (C) in paragraph (3), by inserting ``, or where applicable, the direct guarantee endorsement lender,'' after ``Secretary'' in each place that term appears; and (4) in subsection (l)-- (A) by redesignating paragraphs (8) and (9) as paragraphs (9) and (10), respectively; and (B) by inserting after paragraph (7) the following: ``(8) The term `tribally designated housing entity' has the meaning given the term in section 4 of the Native American Housing Assistance and Self-Determination Act of 1996 (25 U.S.C. 4103).''. (b) Loan Guarantees for Indian Housing.--Section 184(i)(5) of the Housing and Community Development Act of 1992 (12 U.S.C. 1715z- 13a(i)(5)) is amended-- (1) in subparagraph (B), by inserting after the first sentence the following: ``There are authorized to be appropriated for those costs such sums as may be necessary for each of fiscal years 2026 through 2032.''; and (2) in subparagraph (C), by striking ``2008 through 2012'' and inserting ``2026 through 2032''. SEC. 17. LOAN GUARANTEES FOR NATIVE HAWAIIAN HOUSING. Section 184A of the Housing and Community Development Act of 1992 (12 U.S.C. 1715z-13b) is amended-- (1) in subsection (b), by inserting ``, and to expand homeownership opportunities to Native Hawaiian families who are eligible to receive a homestead under the Hawaiian Homes Commission Act, 1920 (42 Stat. 108) on fee simple lands in the State of Hawaii'' after ``markets''; (2) in subsection (c)-- (A) by amending paragraph (2) to read as follows: ``(2) Eligible housing.--The loan shall be used to construct, acquire, refinance, or rehabilitate 1- to 4-family dwellings that are standard housing.''; (B) in paragraph (4)-- (i) in subparagraph (B)-- (I) by redesignating clause (iv) as clause (v); and (II) by adding after clause (iii) the following: ``(iv) Any other lender that is supervised, approved, regulated, or insured by any agency of the Federal Government, including any entity certified as a community development financial institution by the Community Development Financial Institutions Fund established under section 104(a) of the Riegle Community Development and Regulatory Improvement Act of 1994 (12 U.S.C. 4703(a)).''; and (ii) by adding at the end the following: ``(C) Direct guarantee endorsement and indemnification.-- ``(i) In general.--If the Secretary determines that a loan guaranteed under this section was not originated in accordance with the requirements established by the Secretary, the Secretary may require the lender approved under this paragraph to indemnify the Secretary for the loss or potential loss, irrespective of whether the violation caused or will cause the loan default. ``(ii) Direct guarantee endorsement.--The Secretary may, dependent on the availability of systems development and staffing resources, delegate to eligible lenders the authority to directly endorse loans under this section. ``(iii) Fraud or misrepresentation.--If fraud or misrepresentation is involved in a loan guaranteed under this section, the Secretary may require the originating lender approved under this subparagraph to indemnify the Secretary for the loss regardless of whether there was a payment made by the Secretary under the guarantee. ``(iv) Implementation.--The Secretary may implement any requirements described in this subparagraph by regulation, notice, or Dear Lender Letter. ``(v) Review of lenders.-- ``(I) In general.--The Secretary may periodically review the lenders originating, underwriting, or servicing single family mortgage loans under this section. ``(II) Requirements.--In conducting a review under paragraph (1), the Secretary-- ``(aa) shall compare the lender with other lenders originating or underwriting loan guarantees for Indian housing and Native Hawaiian housing based on the rates of defaults and claims for guaranteed loans originated, underwritten, or serviced by that lender; and ``(bb) may compare the lender with such other lenders based on underwriting quality, geographic area served, or any commonly used factors the Secretary determines necessary for comparing mortgage default risk, provided that the comparison is of factors that the Secretary would expect to affect the default risk of mortgage loans guaranteed by the Secretary.''; and (C) in paragraph (5)(A), by inserting before the semicolon at the end the following: ``except, as determined by the Secretary, when there is a loan modification under subsection (i)(1)(B), the term of the loan shall not exceed 40 years''; (3) in subsection (d)-- (A) in paragraph (1)-- (i) in subparagraph (A), by striking ``Before'' and inserting ``Except as provided in subsection (C), before''; (ii) in subparagraph (B), by striking ``If'' and inserting ``Except as provided under subparagraph (C), before''; and (iii) by adding at the end the following: ``(C) Exception.--When the Secretary exercises its discretion to delegate direct guarantee endorsement authority pursuant to subsection (c)(4)(C)(ii), subparagraphs (A) and (B) of this paragraph shall not apply.''; (B) by amending paragraph (2) to read as follows: ``(2) Standard for approval.-- ``(A) Approval.--Except as provided in subparagraph (B), the Secretary may approve a loan for guarantee under this section and issue a certificate under this subsection only if the Secretary determines that there is a reasonable prospect of repayment of the loan. ``(B) Exceptions.--When the Secretary exercises its discretion to delegate direct guarantee endorsement authority pursuant to subsection (c)(4)(C)(ii)-- ``(i) subparagraph (A) shall not apply; and ``(ii) the direct guarantee endorsement lender may issue a certificate under this paragraph as evidence of the guarantee in accordance with requirements prescribed by the Secretary.''; and (C) in paragraph (3)(A), by inserting ``or, where applicable, the direct guarantee endorsement lender,'' after ``Secretary''; and (4) in subsection (j)(5)(B), by inserting after the first sentence the following: ``There are authorized to be appropriated for those costs such sums as may be necessary for each of fiscal years 2026 through 2032.''. SEC. 18. RENTAL ASSISTANCE FOR HOMELESS OR AT-RISK INDIAN VETERANS. Section 8(o)(19) of the United States Housing Act of 1937 (42 U.S.C. 1437f(o)(19)) is amended by adding at the end the following: ``(E) Indian veterans housing rental assistance program.-- ``(i) Definitions.--In this subparagraph: ``(I) Eligible indian veteran.--The term `eligible Indian veteran' means an Indian veteran who is-- ``(aa) homeless or at risk of homelessness; and ``(bb) living-- ``(AA) on or near a reservation; or ``(BB) in or near any other Indian area. ``(II) Eligible recipient.--The term `eligible recipient' means a recipient eligible to receive a grant under section 101 of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4111). ``(III) Indian; indian area.--The terms `Indian' and `Indian area' have the meanings given those terms in section 4 of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4103). ``(IV) Indian veteran.--The term `Indian veteran' means an Indian who is a veteran. ``(V) Program.--The term `Program' means the Tribal HUD-VASH program carried out under clause (ii). ``(VI) Tribal organization.--The term `Tribal organization' has the meaning given the term in section 4 of the Indian Self-Determination and Education Assistance Act (25 U.S.C. 5304). ``(ii) Program specifications.--The Secretary may not use less than 5 percent of the amounts made available for rental assistance under this paragraph to carry out a rental assistance and supported housing program, to be known as the `Tribal HUD-VASH program', in conjunction with the Secretary of Veterans Affairs, by awarding grants for the benefit of eligible Indian veterans. ``(iii) Model.-- ``(I) In general.--Except as provided in subclause (II), the Secretary shall model the Program on the rental assistance and supported housing program authorized under subparagraph (A) and applicable appropriations Acts, including administration in conjunction with the Secretary of Veterans Affairs. ``(II) Exceptions.-- ``(aa) Secretary of housing and urban development.--After consultation with Indian Tribes, eligible recipients, and any other appropriate Tribal organizations, the Secretary may make necessary and appropriate modifications to facilitate the use of the Program by eligible recipients to serve eligible Indian veterans. ``(bb) Secretary of veterans affairs.--After consultation with Indian Tribes, eligible recipients, and any other appropriate Tribal organizations, the Secretary of Veterans Affairs may make necessary and appropriate modifications to facilitate the use of the Program by eligible recipients to serve eligible Indian veterans. ``(iv) Eligible recipients.--The Secretary shall make amounts for rental assistance and associated administrative costs under the Program available in the form of grants to eligible recipients. ``(v) Funding criteria.--The Secretary shall award grants under the Program based on-- ``(I) need; ``(II) administrative capacity; and ``(III) any other funding criteria established by the Secretary in a notice published in the Federal Register after consulting with the Secretary of Veterans Affairs. ``(vi) Administration.--Grants awarded under the Program shall be administered in accordance with the Native American Housing Assistance and Self-Determination Act of 1996 (25 U.S.C. 4101 et seq.), except that recipients shall-- ``(I) submit to the Secretary, in a manner prescribed by the Secretary, reports on the utilization of rental assistance provided under the Program; and ``(II) provide to the Secretary information specified by the Secretary to assess the effectiveness of the Program in serving eligible Indian veterans. ``(vii) Consultation.-- ``(I) Grant recipients; tribal organizations.--The Secretary, in coordination with the Secretary of Veterans Affairs, shall consult with eligible recipients and any other appropriate Tribal organization on the design of the Program to ensure the effective delivery of rental assistance and supportive services to eligible Indian veterans under the Program. ``(II) Indian health service.--The Director of the Indian Health Service shall provide any assistance requested by the Secretary or the Secretary of Veterans Affairs in carrying out the Program. ``(viii) Waiver.-- ``(I) In general.--Except as provided in subclause (II), the Secretary may waive or specify alternative requirements for any provision of law (including regulations) that the Secretary administers in connection with the use of rental assistance made available under the Program if the Secretary finds that the waiver or alternative requirement is necessary for the effective delivery and administration of rental assistance under the Program to eligible Indian veterans. ``(II) Exception.--The Secretary may not waive or specify alternative requirements under subclause (I) for any provision of law (including regulations) relating to labor standards or the environment. ``(ix) Renewal grants.--The Secretary may-- ``(I) set aside, from amounts made available for tenant-based rental assistance under this subsection and without regard to the amounts used for new grants under clause (ii), such amounts as may be necessary to award renewal grants to eligible recipients that received a grant under the Program in a previous year; and ``(II) specify criteria that an eligible recipient must satisfy to receive a renewal grant under subclause (I), including providing data on how the eligible recipient used the amounts of any grant previously received under the Program. ``(x) Reporting.--Not later than 1 year after the date of enactment of this subparagraph, and every 5 years thereafter, the Secretary, in coordination with the Secretary of Veterans Affairs and the Director of the Indian Health Service, shall-- ``(I) conduct a review of the implementation of the Program, including any factors that may have limited its success; and ``(II) submit a report describing the results of the review under item (aa) to-- ``(aa) the Committee on Indian Affairs, the Committee on Banking, Housing, and Urban Affairs, the Committee on Veterans' Affairs, and the Committee on Appropriations of the Senate; and ``(bb) the Subcommittee on Indian and Insular Affairs of the Committee on Natural Resources, the Committee on Financial Services, the Committee on Veterans' Affairs, and the Committee on Appropriations of the House of Representatives. ``(xi) Impact on formula current assisted stock.--For a given fiscal year's allocation formula of the Native American Housing Block Grants program, as authorized under title I of the Native American Housing Assistance and Self-Determination Act of 1996 (25 U.S.C. 4111 et seq.), the number of qualifying low-income housing dwelling units under section 302(b)(1) of the Native American Housing Assistance and Self-Determination Act of 1996 (25 U.S.C. 4152(b)(1)) may not be reduced due to the placement of an eligible Indian veteran assisted with amounts provided under the Program within such qualifying units.''. SEC. 19. CONTINUUM OF CARE. Title IV of the McKinney-Vento Homeless Assistance Act (42 U.S.C. 11360 et seq.) is amended-- (1) in section 401 (42 U.S.C. 11360)-- (A) by redesignating paragraphs (32) through (35) as paragraphs (33) through (36), respectively; and (B) by inserting after paragraph (31) the following: ``(32) Tribally designated housing entity.--The term `tribally designated housing entity' has the meaning given the term in section 4 of the Native American Housing Assistance and Self-Determination Act of 1996 (25 U.S.C. 4103).''; (2) in section 423(g) (42 U.S.C. 11383(g)), by inserting ``Indian Tribe, tribally designated housing entity,'' after ``private nonprofit organization,''; and (3) in section 435 (42 U.S.C. 11389)-- (A) by striking ``(as defined in section 4 of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4103))''; (B) by striking ``Notwithstanding'' and inserting the following: ``(a) Eligible Entities.--Notwithstanding''; and (C) by adding at the end the following: ``(b) Civil Rights Exemptions.--With respect to grants awarded to carry out eligible activities under this subtitle, title VI of the Civil Rights Act of 1964 (42 U.S.C. 2000d et seq.) and title VIII of the Civil Rights Act of 1968 (42 U.S.C. 3601 et seq.) shall not apply to applications or awards for projects to be carried out-- ``(1) on or off reservation or trust lands for awards made to Indian Tribes or tribally designated housing entities; ``(2) on reservation or trust lands for awards made to eligible entities; or ``(3) with respect to a project in which amounts provided under this Act will be used specifically to benefit Tribal communities or Tribal members, in formula areas (as such term is defined in section 1000.302 of title 24, Code of Federal Regulations, or any successor regulation) for the Indian Housing Block Grant. ``(c) Certification.--Notwithstanding section 106 of the Cranston- Gonzalez National Affordable Housing Act (42 U.S.C. 12706) and section 403 of this Act, with respect to applications for projects to be carried out on reservations or trust land using grants awarded under this subtitle-- ``(1) the applications shall contain a certification of consistency with an approved Indian housing plan developed under section 102 of the Native American Housing Assistance and Self-Determination Act (25 U.S.C. 4112); and ``(2) Indian Tribes and tribally designated housing entities that are recipients of awards for projects on reservations or trust land from such funds shall certify that they are following an approved housing plan developed under section 102 of the Native American Housing Assistance and Self- Determination Act (25 U.S.C. 4112). ``(d) Consolidated Plan Exemption.--A collaborative applicant for a Continuum of Care whose geographic area includes only reservation or trust land is not required to meet the requirement described in section 402(f)(2). ``(e) Waiver Authority for Tribal Participation.--In administering the amounts made available under this Act, the Secretary may waive, or specify alternative requirements for, any provision of any statute or regulation that the Secretary administers in connection with the obligation by the Secretary or the use by the recipient of these amounts (except for requirements related to labor standards and the environment), if the Secretary finds that good cause exists for the waiver or alternative requirement and such waiver or alternative requirement is necessary to modify any requirements preventing the participation of Indian Tribes or tribally designated housing entity in the Continuum of Care Program, or would expedite or facilitate the use of funds.''. SEC. 20. STREAMLINING REPORTING REQUIREMENTS. Section 404 of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4164) is amended-- (1) by redesignating subsection (d) as subsection (e); and (2) by inserting after subsection (c) the following: ``(d) Consolidated Reporting.--Notwithstanding any other provision of law, the Secretary shall develop policies and procedures that authorize interested Indian Tribes and tribally designated housing entities receiving grant amounts under this Act to submit to the Secretary, at their discretion, one consolidated annual performance report covering all grants the Indian Tribe or tribally designated housing entity receives from other grant programs administered by the Secretary.''. SEC. 21. APPLICATION OF BUILD AMERICA, BUY AMERICA REQUIREMENTS. The requirements under the Build America, Buy America Act (41 U.S.C. 8301 note) and any implementing regulations or guidance shall not apply to any housing activities carried out using any Federal financial assistance provided to Indian tribes, tribally designated housing entities, tribal organizations, and other Tribal entities (including the Department of Hawaiian Home Lands) under any Federal program. <all>\n--- KONIEC DOKUMENTU ---\n\nPAMIĘTAJ: Twoja odpowiedź MUSI być wyłącznie poprawnym obiektem JSON. Nie dodawaj żadnych dodatkowych znaków, komentarzy ani tekstu przed znacznikiem '{' ani po znaczniku '}'. Cała odpowiedź musi być parsowalna jako JSON.\nNa podstawie POWYŻSZEGO dokumentu, wypełnij poniższą strukturę JSON:\nOto struktura JSON, której oczekuję (wypełnij ją treścią):\n{\n  \"pl_ai_title\": \"Nowy, krótki tytuł dla aktu prawnego po polsku, oddający sedno wprowadzanych zmian (np. maksymalnie 10-12 słów).\",\n  \"pl_summary\": \"2-3 zdania zwięzłego podsumowania treści aktu prawnego po polsku, napisane z perspektywy wpływu na życie codzienne obywateli.\",\n  \"pl_key_points\": [\n    \"Pierwszy krótki punkt po polsku dotyczący najważniejszych wprowadzanych rozwiązań lub zmian.\",\n    \"Drugi krótki punkt po polsku...\"\n  ],\n  \"eng_ai_title\": \"A new, short title for the legal act in English, capturing the essence of the changes (e.g., max 10-12 words).\",\n  \"eng_summary\": \"2-3 sentences summarizing the legal act in English, from the perspective of its impact on citizens' daily lives.\",\n  \"eng_key_points\": [\n    \"First short bullet point in English regarding the most important solutions or changes being introduced.\",\n    \"Second short bullet point in English...\"\n  ],\n  \"de_ai_title\": \"Ein neuer, kurzer Titel für das Rechtsdokument auf Deutsch, der den Kern der Änderungen erfasst (z.B. max. 10-12 Wörter).\",\n  \"de_summary\": \"2-3 Sätze Zusammenfassung des Rechtsdokuments auf Deutsch, aus der Perspektive seiner Auswirkungen auf das tägliche Leben der Bürger.\",\n  \"de_key_points\": [\n    \"Erster kurzer Stichpunkt auf Deutsch zu den wichtigsten eingeführten Lösungen oder Änderungen.\",\n    \"Zweiter kurzer Stichpunkt auf Deutsch...\"\n  ],\n  \"fr_ai_title\": \"Un nouveau titre court pour l'acte juridique en français, saisissant l'essence des changements (par exemple, 10-12 mots maximum).\",\n  \"fr_summary\": \"Résumé de 2-3 phrases de l'acte juridique en français, du point de vue de son impact sur la vie quotidienne des citoyens.\",\n  \"fr_key_points\": [\n    \"Premier court point en français concernant les solutions ou changements les plus importants introduits.\",\n    \"Deuxième court point en français...\"\n  ],\n  \"es_ai_title\": \"Un nuevo título breve para el acto jurídico en español, que recoja la esencia de los cambios (por ejemplo, máximo 10-12 palabras).\",\n  \"es_summary\": \"Resumen de 2-3 frases del acto jurídico en español, desde la perspectiva de su impacto en la vida cotidiana de los ciudadanos.\",\n  \"es_key_points\": [\n    \"Primer punto breve en español sobre las soluciones o cambios más importantes que se introducen.\",\n    \"Segundo punto breve en español...\"\n  ],\n  \"it_ai_title\": \"Un nuovo titolo breve per l'atto giuridico in italiano, che colga l'essenza delle modifiche (ad es. massimo 10-12 parole).\",\n  \"it_summary\": \"Riepilogo di 2-3 frasi dell'atto giuridico in italiano, dal punto di vista del suo impatto sulla vita quotidiana dei cittadini.\",\n  \"it_key_points\": [\n    \"Primo breve punto in italiano riguardante le soluzioni o le modifiche più importanti introdotte.\",\n    \"Secondo breve punto in italiano...\"\n  ],\n  \"nl_ai_title\": \"Een nieuwe, korte titel voor de rechtshandeling in het Nederlands, die de essentie van de wijzigingen weergeeft (bijv. max. 10-12 woorden).\",\n  \"nl_summary\": \"Samenvatting van 2-3 zinnen van de rechtshandeling in het Nederlands, vanuit het perspectief van de impact op het dagelijks leven van burgers.\",\n  \"nl_key_points\": [\n    \"Eerste korte punt in het Nederlands betreffende de belangrijkste geïntroduceerde oplossingen of wijzigingen.\",\n    \"Tweede korte punt in het Nederlands...\"\n  ],\n  \"pt_ai_title\": \"Um novo título curto para o ato jurídico em português, capturando a essência das mudanças (por exemplo, máx. 10-12 palavras).\",\n  \"pt_summary\": \"Resumo de 2-3 frases do ato jurídico em português, na perspetiva do seu impacto na vida quotidiana dos cidadãos.\",\n  \"pt_key_points\": [\n    \"Primeiro ponto curto em português sobre as soluções ou alterações mais importantes introduzidas.\",\n    \"Segundo ponto curto em português...\"\n  ],\n  \"category\": [\"Categorize the document into one category by default, based on the field it primarily concerns. Choose up to 3 if the document also touches upon SIGNIFICANT issues from other categories. You MUST select categories ONLY from the following list: Health, Education, Family, Taxes, Labor, Security, Environment, Courts and Law, Transport, Benefits, Real Estate, Media and Culture, Local Government, Migration, Agriculture, Public Investments, Informatization, Economy. If the document does not definitively fit any of these, you MUST use \"Other\". If you use \"Other\", it should be the ONLY category selected. Do NOT invent new categories. The response must be an array of strings, e.g., [\"Taxes\", \"Family\"].\"]\n}\n\n",
      "ai_response_raw": "{\n  \"pl_ai_title\": \"Modernizacja wsparcia mieszkaniowego dla rdzennych Amerykanów i Hawajczyków 2026\",\n  \"pl_summary\": \"Ustawa przedłuża i usprawnia programy pomocy mieszkaniowej dla społeczności rdzennych Amerykanów i Hawajczyków do 2032 roku. Zmiany ułatwiają dostęp do kredytów hipotecznych, wspierają bezdomnych weteranów oraz przyspieszają budowę nowych domów poprzez uproszczenie formalności.\",\n  \"pl_key_points\": [\n    \"Przedłużenie finansowania programów budownictwa społecznego i remontów do 2032 roku.\",\n    \"Wprowadzenie 99-letnich dzierżaw gruntów, co ułatwia stabilne planowanie miejsca zamieszkania.\",\n    \"Uruchomienie specjalnego programu dopłat do czynszu dla bezdomnych lub zagrożonych bezdomnością weteranów.\",\n    \"Uproszczenie przepisów środowiskowych dla mniejszych inwestycji mieszkaniowych (do 250 tys. dolarów).\",\n    \"Możliwość wydłużenia okresu spłaty gwarantowanych kredytów mieszkaniowych do 40 lat w określonych sytuacjach.\",\n    \"Wprowadzenie pomocy finansowej na zakwaterowanie dla studentów pochodzących ze społeczności plemiennych.\",\n    \"Zwolnienie plemiennych projektów mieszkaniowych z niektórych restrykcyjnych wymogów dotyczących zakupu materiałów budowlanych.\"\n  ],\n  \"eng_ai_title\": \"Native American Housing Assistance and Self-Determination Modernization Act of 2026\",\n  \"eng_summary\": \"This act extends and improves housing assistance programs for Native American and Native Hawaiian communities through 2032. It simplifies home loan access, supports homeless veterans, and speeds up home construction by reducing bureaucratic red tape.\",\n  \"eng_key_points\": [\n    \"Extension of funding for social housing and renovation programs until 2032.\",\n    \"Introduction of 99-year land leases to provide long-term residential stability.\",\n    \"Creation of a dedicated rental assistance program for homeless or at-risk Indian veterans.\",\n    \"Streamlining environmental review processes for smaller housing projects under $250,000.\",\n    \"Allowing guaranteed home loan terms to be extended up to 40 years for loan modifications.\",\n    \"New financial support for college housing for students from tribal communities.\",\n    \"Exemption of tribal housing projects from certain restrictive federal material purchasing requirements.\"\n  ],\n  \"de_ai_title\": \"Modernisierung der Wohnungsbauhilfe für amerikanische Ureinwohner 2026\",\n  \"de_summary\": \"Dieses Gesetz verlängert und verbessert die Wohnungsbauprogramme für amerikanische Ureinwohner und Hawaiianer bis 2032. Es erleichtert den Zugang zu Hypotheken, unterstützt obdachlose Veteranen und beschleunigt den Wohnungsbau durch Bürokratieabbau.\",\n  \"de_key_points\": [\n    \"Verlängerung der Finanzierung für sozialen Wohnungsbau und Renovierungen bis 2032.\",\n    \"Einführung von 99-jährigen Pachtverträgen für mehr langfristige Planungssicherheit.\",\n    \"Einrichtung eines speziellen Mietbeihilfeprogramms für obdachlose oder gefährdete indigene Veteranen.\",\n    \"Vereinfachung von Umweltprüfungen für kleinere Bauprojekte bis zu 250.000 US-Dollar.\",\n    \"Möglichkeit, die Laufzeit garantierter Wohnungsbaudarlehen in Sonderfällen auf 40 Jahre zu verlängern.\",\n    \"Finanzielle Unterstützung für die Unterbringung von Studenten aus Stammesgemeinschaften.\",\n    \"Befreiung von bestimmten restriktiven Bundesvorschriften beim Kauf von Baumaterialien.\"\n  ],\n  \"fr_ai_title\": \"Modernisation de l'aide au logement pour les Amérindiens et les Hawaïens 2026\",\n  \"fr_summary\": \"Cette loi prolonge et améliore les programmes d'aide au logement pour les communautés amérindiennes et hawaïennes jusqu'en 2032. Elle facilite l'accès aux prêts immobiliers, soutient les vétérans sans-abri et accélère la construction de logements en simplifiant les formalités.\",\n  \"fr_key_points\": [\n    \"Prolongation du financement des programmes de logement social et de rénovation jusqu'en 2032.\",\n    \"Introduction de baux fonciers de 99 ans pour assurer une plus grande stabilité résidentielle.\",\n    \"Création d'un programme spécial d'aide au loyer pour les vétérans amérindiens sans-abri ou à risque.\",\n    \"Simplification des examens environnementaux pour les petits projets de logement (moins de 250 000 $).\",\n    \"Possibilité d'étendre la durée des prêts immobiliers garantis jusqu'à 40 ans pour certaines modifications.\",\n    \"Soutien financier pour le logement étudiant des membres des communautés tribales.\",\n    \"Exemption des projets de logement tribaux de certaines exigences fédérales d'achat de matériaux.\"\n  ],\n  \"es_ai_title\": \"Modernización de la Asistencia de Vivienda para Nativos Americanos 2026\",\n  \"es_summary\": \"Esta ley extiende y mejora los programas de ayuda para la vivienda de las comunidades nativas americanas y hawaianas hasta 2032. Facilita el acceso a préstamos hipotecarios, apoya a veteranos sin hogar y agiliza la construcción mediante la reducción de trámites.\",\n  \"es_key_points\": [\n    \"Extensión del financiamiento para programas de vivienda social y renovación hasta 2032.\",\n    \"Introducción de contratos de arrendamiento de tierras por 99 años para mayor estabilidad a largo plazo.\",\n    \"Creación de un programa especial de asistencia para el alquiler destinado a veteranos indígenas sin hogar.\",\n    \"Simplificación de las revisiones ambientales para proyectos de vivienda menores a 250,000 dólares.\",\n    \"Posibilidad de extender el plazo de préstamos hipotecarios garantizados hasta 40 años en casos específicos.\",\n    \"Apoyo financiero para el alojamiento de estudiantes universitarios de comunidades tribales.\",\n    \"Exención de ciertos requisitos federales de compra de materiales para proyectos de vivienda tribales.\"\n  ],\n  \"it_ai_title\": \"Modernizzazione dell'assistenza abitativa per i nativi americani 2026\",\n  \"it_summary\": \"Questa legge estende e migliora i programmi di assistenza abitativa per le comunità dei nativi americani e hawaiani fino al 2032. Facilita l'accesso ai mutui, sostiene i veterani senza fissa dimora e accelera la costruzione di case riducendo la burocrazia.\",\n  \"it_key_points\": [\n    \"Proroga dei finanziamenti per l'edilizia sociale e le ristrutturazioni fino al 2032.\",\n    \"Introduzione di contratti di locazione del terreno a 99 anni per una maggiore stabilità abitativa.\",\n    \"Creazione di un programma speciale di assistenza all'affitto per i veterani nativi senza tetto.\",\n    \"Semplificazione delle verifiche ambientali per i piccoli progetti edilizi sotto i 250.000 dollari.\",\n    \"Possibilità di estendere la durata dei mutui garantiti fino a 40 anni per le modifiche ai prestiti.\",\n    \"Sostegno finanziario per l'alloggio degli studenti universitari provenienti dalle tribù.\",\n    \"Esenzione dei progetti abitativi tribali da alcuni vincoli federali sull'acquisto di materiali.\"\n  ],\n  \"nl_ai_title\": \"Modernisering van huisvestingsbijstand voor inheemse Amerikanen 2026\",\n  \"nl_summary\": \"Deze wet verlengt en verbetert de huisvestingsprogramma's voor inheemse Amerikaanse en Hawaiiaanse gemeenschappen tot 2032. Het vergemakkelijkt de toegang tot hypotheken, ondersteunt dakloze veteranen en versnelt de woningbouw door minder regels.\",\n  \"nl_key_points\": [\n    \"Verlenging van de financiering voor sociale woningbouw en renovaties tot 2032.\",\n    \"Invoering van erfpachtcontracten van 99 jaar voor meer woonzekerheid op lange termijn.\",\n    \"Oprichting van een speciaal huurtoeslagprogramma voor dakloze of kwetsbare inheemse veteranen.\",\n    \"Vereenvoudiging van milieucontroles voor kleinere woningbouwprojecten tot 250.000 dollar.\",\n    \"Mogelijkheid om de looptijd van gegarandeerde woningleningen te verlengen tot 40 jaar.\",\n    \"Financiële steun voor de huisvesting van studenten uit stamgemeenschappen.\",\n    \"Vrijstelling van bepaalde federale inkoopregels voor bouwmaterialen bij stamprojecten.\"\n  ],\n  \"pt_ai_title\": \"Modernização da Assistência à Habitação para Nativos Americanos 2026\",\n  \"pt_summary\": \"Esta lei prorroga e melhora os programas de assistência à habitação para as comunidades nativas americanas e havaianas até 2032. Facilita o acesso a empréstimos, apoia veteranos sem-abrigo e acelera a construção ao reduzir a burocracia.\",\n  \"pt_key_points\": [\n    \"Prorrogação do financiamento para programas de habitação social e renovação até 2032.\",\n    \"Introdução de arrendamentos de terras por 99 anos para garantir estabilidade residencial a longo prazo.\",\n    \"Criação de um programa especial de auxílio ao aluguer para veteranos indígenas sem-abrigo.\",\n    \"Simplificação das revisões ambientais para pequenos projetos de habitação (até 250 mil dólares).\",\n    \"Possibilidade de estender o prazo de empréstimos habitacionais garantidos para até 40 anos.\",\n    \"Apoio financeiro para alojamento de estudantes universitários de comunidades tribais.\",\n    \"Isenção de projetos habitacionais tribais de certas exigências federais de compra de materiais.\"\n  ],\n  \"category\": [\"Real Estate\", \"Benefits\", \"Local Government\"]\n}"
    },
    {
      "timestamp": "2026-04-13T14:10:23.485Z",
      "source_url": "https://www.congress.gov/119/bills/hr8092/BILLS-119hr8092ih.htm",
      "model": "gemini-flash-latest",
      "prompt_sent": "\nJesteś ekspertem od prawa Stanów Zjednoczonych, który ma za zadanie analizować dokumenty ustaw, uchwał oraz innych dokumentów legislacyjnych, a następnie przygotowywać z nich informacje w przystępny sposób dla obywateli. Twoim celem jest przedstawienie informacji tak, aby obywatele mogli sami ocenić wpływ legislacji na ich życie, nawet bez posiadania specjalistycznej wiedzy legislacyjnej. Skup się na faktach i obiektywnych skutkach wprowadzanych zmian, unikając wartościowania i osobistych opinii. Wszelki żargon prawny jest zabroniony. Prezentuj informacje w jasny, zwięzły i angażujący sposób, tak aby były zrozumiałe dla osoby bez wykształcenia prawniczego. Unikaj długich, złożonych zdań. Zamiast pisać \"projekt ma na celu nowelizację kodeksu podatkowego...\", napisz \"Zmiany w podatkach: nowe ulgi i obowiązki dla...\". Kontynuuj swoją pracę, dopóki nie rozwiążesz swojego zadania. Jeśli nie masz pewności co do generowanej treści, przeanalizuj dokument ponownie – nie zgaduj. Rozplanuj dobrze swoje zadanie przed przystąpieniem do niego. W podsumowaniu i kluczowych punktach, jeśli to możliwe i uzasadnione, podkreśl, jakie konkretne korzyści lub skutki (pozytywne lub negatywne) wprowadza ustawa dla życia codziennego obywateli, ich praw i obowiązków, finansów osobistych, bezpieczeństwa i innych ważnych kwestii (np. kategorycznych zakazów i nakazów czy najważniejszych konkretnych alokacji finansowych i terytorialnych).\n\nTwoja odpowiedź MUSI być w formacie JSON - i zawierać następujące klucze.\nZanim zwrócisz odpowiedź, dokładnie zweryfikuj, czy cała struktura JSON jest w 100% poprawna, włącznie ze wszystkimi przecinkami, nawiasami klamrowymi, kwadratowymi oraz cudzysłowami. Błędny JSON jest nieakceptowalny i uniemożliwi przetworzenie Twojej pracy.\n\nPrzeanalizuj dokładnie poniższy tekst dokumentu prawnego. To jest treść, na podstawie której masz wygenerować podsumowanie i kluczowe punkty:\n--- POCZĄTEK DOKUMENTU ---\n[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.R. 8092 Introduced in House (IH)] <DOC> 119th CONGRESS 2d Session H. R. 8092 To reauthorize the Native American Housing Assistance and Self- Determination Act of 1996, and for other purposes. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES March 26, 2026 Mr. Downing (for himself, Ms. Bynum, Mr. Cole, Mr. Lucas, Mr. Huizenga, Mrs. Wagner, Mr. Meuser, Mr. Haridopolos, Mr. Lawler, Ms. De La Cruz, Mr. Barr, Mr. Steil, Mr. Davidson, Mr. Stutzman, Mr. Loudermilk, Mr. Zinke, Mr. Bacon, Mr. Fleischmann, Mr. Johnson of South Dakota, Mrs. Fedorchak, Mr. Simpson, Mr. Liccardo, Ms. Moore of Wisconsin, Ms. Davids of Kansas, Ms. Craig, Mr. Davis of North Carolina, Mr. Vasquez, Mr. Larsen of Washington, Mr. Stanton, Mr. Keating, Ms. Leger Fernandez, Ms. Pingree, Ms. Stansbury, Mr. Bentz, and Mr. Nunn of Iowa) introduced the following bill; which was referred to the Committee on Financial Services _______________________________________________________________________ A BILL To reauthorize the Native American Housing Assistance and Self- Determination Act of 1996, and for other purposes. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. SHORT TITLE; TABLE OF CONTENTS. (a) Short Title.--This Act may be cited as the ``Native American Housing Assistance and Self-Determination Modernization Act of 2026''. (b) Table of Contents.--The table of contents for this Act is as follows: Sec. 1. Short title; Table of contents. Sec. 2. Consolidation of environmental review requirements. Sec. 3. Authorization of appropriations. Sec. 4. Student housing assistance. Sec. 5. Clarification of application of rent rule only to units owned or operated by Indian Tribe or tribally designated housing entity. Sec. 6. Deadline for action on request for approval regarding exceeding TDC maximum cost for project. Sec. 7. Homeownership or lease-to-own low-income requirement and income targeting. Sec. 8. Lease requirements and tenant selection. Sec. 9. Statutory authority to suspend grant funds in emergencies. Sec. 10. Reports to Congress. Sec. 11. 99-year leasehold interest in trust or restricted lands for housing purposes. Sec. 12. Reauthorization of housing assistance for Native Hawaiians. Sec. 13. Community-based development organizations and special activities by Indian Tribes. Sec. 14. Housing counseling certification waiver. Sec. 15. Eligibility for housing counseling grants. Sec. 16. Section 184 Indian home loan guarantee program. Sec. 17. Loan guarantees for Native Hawaiian housing. Sec. 18. Rental assistance for homeless or at-risk Indian veterans. Sec. 19. Continuum of care. Sec. 20. Streamlining reporting requirements. Sec. 21. Application of Build America, Buy America requirements. SEC. 2. CONSOLIDATION OF ENVIRONMENTAL REVIEW REQUIREMENTS. Section 105 of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4115) is amended-- (1) in subsection (c)(2) by adding after ``other officer of the Tribe'' the following: ``, or a tribally designated housing entity official designated by the Tribe,''; (2) in subsection (d)-- (A) by redesignating paragraphs (1) through (4) as subparagraphs (A) through (D), respectively; (B) by striking ``The Secretary may'' and inserting the following: ``(1) In general.--The Secretary shall''; and (C) by adding at the end the following: ``(2) Waiver request.--The Secretary shall act upon a waiver request submitted under this subsection within 60 days after receipt of such request.''; and (3) by adding at the end the following new subsections: ``(e) Consolidation of Environmental Review Requirements.--For assistance provided under this Act, including under title VIII of this Act, and grants to Indian Tribes issued under title I of the Housing and Community Development Act of 1974 (42 U.S.C. 5301 et seq.), the Indian Tribe or the Director of the Department of Hawaiian Home Lands shall be deemed to be in compliance with the environmental review requirements under this section or section 806 of this Act, title I of the Housing and Community Development Act of 1974, and the National Environmental Policy Act of 1969 (42 U.S.C. 4321 et seq.), with regard to such project and to discharge any applicable environmental review requirements that might apply to Federal agencies with respect to the use of additional Federal funding sources for that project, if-- ``(1) a recipient is using 1 or more sources of Federal funds in addition to grant amounts under this Act or in addition to a grant made to an Indian Tribe under title I of the Housing and Community Development Act of 1974; ``(2) such other sources of Federal funds do not exceed 49 percent of the Federal share of the project cost; and ``(3) the recipient's Indian Tribe or the Director of the Department of Hawaiian Home Lands has assumed all of the responsibilities for environmental review, decision-making, and action pursuant to this section, section 806 of this Act, or title I of the Housing and Community Development Act of 1974. ``(f) Environmental Streamlining.--For activities assisted under this Act, including title VIII of this Act, or assisted with a grant to an Indian Tribe under title I of the Housing and Community Development Act (42 U.S.C. 5301 et seq.), each of the following apply: ``(1) General exemption.--Notwithstanding any other provision of law, activities are exempt from any environmental review requirements where-- ``(A) similar statutory exemptions apply to comparable activities of other Federal agencies; ``(B) the activity is an affordable housing activity having a total cost of not more than $250,000; ``(C) the activity is acquisition of property, including long-term equipment, funded using non-Federal sources; or ``(D) the activity involves the rehabilitation of a structure and-- ``(i) the cost of the rehabilitation is less than fifty percent of the market value of the structure before rehabilitation; and ``(ii) the rehabilitation involves no ground disturbance, footprint change, or historic structure. ``(2) Radon exemption.--Notwithstanding any other provision of law, the Secretary may not require recipients (including the Director under title VIII of this Act) and Indian Tribes to consider or test for radon in the environmental review. Nothing in this provision shall be construed to limit the authority of a recipient (including the Director under title VIII of this Act) and an Indian Tribe to consider, test for, and mitigate radon. ``(3) Lead testing.-- ``(A) Testing.--Lead paint testing of target housing that is in a remote area, and that is being rehabilitated, renovated, repaired, or painted in a manner that will repair or disturb building components that are painted or coated, must be conducted via-- ``(i) paint chip testing, lead-based paint inspection, visual assessment for deteriorated paint, or a lead risk assessment for lead-based paint hazards, as applicable in accordance with section 1012 of the Residential Lead-Based Paint Hazard Reduction Act of 1992; or ``(ii) visual assessment for deteriorated paint and use of EPA-recognized lead test kits in accordance with sections 402 or 404, as applicable, of the Toxic Substances Control Act (15 U.S.C. 2682, 2684) on each building component that is painted or coated and is to be disturbed. ``(B) Definitions.--In this paragraph: ``(i) Remote area.--The term `Remote Area' means as the area of a United States Postal Service ZIP Code that has a level 1 Frontier and Remote Area code as most recently posted on the website of the Department of Agriculture. ``(ii) Target housing.--The term `Target Housing' has the meaning given the term in section 1004(27) of the Residential Lead-Based Paint Hazard Reduction Act of 1992 (42 U.S.C. 4851b(27)) assisted under the Native American Housing Assistance and Self-Determination Act of 1996. ``(4) Siting of hud projects near explosive and flammable hazards.-- ``(A) In general.--Recipients carrying out activities under this Act (including the Director under title VIII of this Act) or Indian Tribe carrying out activities under title I of the Housing and Community Development Act shall be exempt from the Secretary's acceptable separation distance requirements and mitigation for residential tanks when the tank-- ``(i) has a capacity of 1,320 gallons or less; ``(ii) is intended to contain common liquid fuels such as gasoline, fuel oil, kerosene, diesel, liquified petroleum gas (propane), or crude oil; ``(iii) is sited on land or property that contains a one- to four-family dwelling; ``(iv) is intended to be used solely by residents of such dwelling; and ``(v) is intended to be used by residents of such dwelling exclusively for non- commercial, non-industrial purposes. ``(B) Rule of construction.--Nothing in this provision shall be construed to limit the authority of a recipient (including the Director under title VIII of this Act) or an Indian Tribe to consider acceptable separation distance or implement mitigation measures. ``(C) Application.--The Secretary's acceptable separation distance requirements between a residential structure assisted with funds under this Act (or assisted with funds under a grant to an Indian Tribe under title 1 of the Housing and Community Development Act) and an above-ground storage tank used to store hazardous substances as defined in subpart C of part 51 of title 24, Code of Federal Regulations, or successor regulation, including mitigation measures, do not apply if the Indian Tribe or recipient (including the Director under title VIII of this Act) determines that-- ``(i) inapplicability of the requirements is necessary to address the housing needs of the Indian Tribe or recipient (including the Director under title VIII of this Act); ``(ii) the use of an alternative standard, or the absence of a standard, does not present an unacceptable risk to the health or safety of residents; and ``(iii) the Indian Tribe or recipient (including the Director under title VIII of this Act) has provided notice and an opportunity for comment to residents of the affected area regarding the inapplicability of the requirements, and has developed a safety and response plan. ``(5) Streamlining wetland requirements.--The Secretary may not apply additional requirements involving protection of wetlands in instances where an affected wetland requires a U.S. Army Corps of Engineers General, Regional, or individual permit and the Indian Tribe or recipient (including the Director under title VIII of this Act) complies with permit conditions.''. SEC. 3. AUTHORIZATION OF APPROPRIATIONS. Section 108 of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4117) is amended, in the first sentence, by striking ``2009 through 2013'' and inserting ``2026 through 2032''. SEC. 4. STUDENT HOUSING ASSISTANCE. Section 202(3) of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4132(3)) is amended by inserting ``including college housing assistance,'' after ``self-sufficiency and other services,''. SEC. 5. CLARIFICATION OF APPLICATION OF RENT RULE ONLY TO UNITS OWNED OR OPERATED BY INDIAN TRIBE OR TRIBALLY DESIGNATED HOUSING ENTITY. Section 203(a) of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4133(a)) is amended-- (1) in paragraph (2), by inserting ``owned or operated by a recipient and'' after ``residing in a dwelling unit''; and (2) by adding at the end the following: ``(3) Self-determination.--Notwithstanding paragraph (2), recipients may establish their own policies governing maximum and minimum rents and homebuyer payments for dwelling units assisted under this Act, provided such policies are written and made publicly available.''. SEC. 6. DEADLINE FOR ACTION ON REQUEST FOR APPROVAL REGARDING EXCEEDING TDC MAXIMUM COST FOR PROJECT. (a) Approval.--Section 103 of the Native American Housing Assistance and Self-Determination Act of 1996 (25 U.S.C. 4113) is amended by adding at the end the following new subsection: ``(f) Deadline for Action on Request To Exceed TDC Maximum.-- ``(1) Deadline.--A request for approval by the Secretary to exceed by more than 10 percent the total development cost maximum cost for a project shall be approved or denied during the 60-day period that begins on the date that the Secretary receives the request. ``(2) No response by secretary.--If the Secretary does not respond to a request in the 60-day period described in paragraph (1), the request shall be deemed approved.''. (b) Definition.--Section 4 of the Native American Housing Assistance and Self-Determination Act of 1996 (25 U.S.C. 4103) is amended-- (1) by redesignating paragraph (22) as paragraph (23); and (2) by inserting after paragraph (21) the following new paragraph: ``(22) Total development cost.--The term `total development cost' means, with respect to a housing project, the sum of all costs for the project, including all undertakings necessary for administration, planning, site acquisition, demolition, construction or equipment and financing (including payment of carrying charges), and for otherwise carrying out the development of the project, excluding off-site water and sewer. The total development cost amounts shall be based on a moderately designed house and determined by averaging the current construction costs as listed in not less than two nationally recognized residential construction cost indices.''. SEC. 7. HOMEOWNERSHIP OR LEASE-TO-OWN LOW-INCOME REQUIREMENT AND INCOME TARGETING. Section 205 of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4135) is amended-- (1) in subsection (a)(1)-- (A) in subparagraph (C), by striking ``and'' at the end; and (B) by adding at the end the following: ``(E) notwithstanding any other provision of this paragraph, in the case of rental housing that is made available to a current rental family for conversion to a homebuyer or a lease-purchase unit-- ``(i) that the current rental family can purchase through a contract of sale, lease- purchase agreement, or any other sales agreement; and ``(ii) the housing is made available for purchase only by the current rental family, if the rental family was a low-income family at the time of their initial occupancy of such unit; and''; and (2) in subsection (c)-- (A) by striking ``The provisions'' and inserting the following: ``(1) In general.--The provisions''; and (B) by adding at the end the following: ``(2) Applicability to improvements.--The provisions of subsection (a)(2) regarding binding commitments for the remaining useful life of property shall not apply to improvements of privately owned homes if the cost of the improvements do not exceed 10 percent of the maximum total development cost for the home.''. SEC. 8. LEASE REQUIREMENTS AND TENANT SELECTION. Section 207 of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4137) is amended by adding at the end the following: ``(c) Notice of Termination.--The notice period described in subsection (a)(3) shall apply to projects and programs funded in part by amounts authorized under this Act.''. SEC. 9. STATUTORY AUTHORITY TO SUSPEND GRANT FUNDS IN EMERGENCIES. Section 401(a)(4) of the Native American Housing Assistance and Self-Determination Act of 1996 (25 U.S.C. 4161(a)(4)) is amended-- (1) in subparagraph (A), by striking ``may take an action described in paragraph (1)(C)'' and inserting ``may immediately take an action described in paragraph (1)(C)''; and (2) by striking subparagraph (B) and inserting the following: ``(B) Procedural requirements.-- ``(i) In general.--If the Secretary takes an action described in subparagraph (A), the Secretary shall provide notice to the recipient at the time that the Secretary takes that action. ``(ii) Notice requirements.--The notice under clause (i) shall inform the recipient that the recipient may request a hearing by not later than 30 days after the date on which the Secretary provides the notice. ``(iii) Hearing requirements.--A hearing requested under clause (ii) shall be conducted-- ``(I) in accordance with subpart A of part 26 of title 24, Code of Federal Regulations (or successor regulations); and ``(II) to the maximum extent practicable, on an expedited basis. ``(iv) Failure to conduct a hearing.--If a hearing requested under clause (ii) is not completed by the date that is 180 days after the date on which the recipient requests the hearing, the action of the Secretary to limit the availability of payments shall no longer be effective.''. SEC. 10. REPORTS TO CONGRESS. Section 407 of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4167) is amended-- (1) in subsection (a), by striking ``Congress'' and inserting ``Committee on Indian Affairs and the Committee on Banking, Housing, and Urban Affairs of the Senate and the Committee on Financial Services of the House of Representatives''; and (2) by adding at the end the following: ``(c) Public Availability.--The report described in subsection (a) shall be made publicly available, including to recipients.''. SEC. 11. 99-YEAR LEASEHOLD INTEREST IN TRUST OR RESTRICTED LANDS FOR HOUSING PURPOSES. Section 702 of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4211) is amended-- (1) in the section heading, by striking ``50-year'' and inserting ``99-year''; (2) in subsection (b), by striking ``50 years'' and inserting ``99 years''; and (3) in subsection (c)(2), by striking ``50 years'' and inserting ``99 years''. SEC. 12. REAUTHORIZATION OF HOUSING ASSISTANCE FOR NATIVE HAWAIIANS. Section 824 of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4243) is amended by striking ``for each of fiscal years 2001, 2002, 2003, 2004, and 2005'' and inserting ``each of fiscal years 2026 through 2032.''. SEC. 13. COMMUNITY-BASED DEVELOPMENT ORGANIZATIONS AND SPECIAL ACTIVITIES BY INDIAN TRIBES. Section 105 of the Housing and Community Development Act of 1974 (42 U.S.C. 5305) is amended by adding at the end the following: ``(i) Indian Tribes, Tribally Designated Housing Entities, and Tribal Organizations as Community-Based Development Organizations.-- ``(1) Definitions.--In this subsection: ``(A) Tribally designated housing entity.--The term `tribally designated housing entity' has the meaning given the term in section 4 of the Native American Housing Assistance and Self-Determination Act of 1996 (25 U.S.C. 4103). ``(B) Tribal organization.--The term `Tribal organization' has the meaning given the term in section 4 of the Indian Self-Determination and Education Assistance Act (25 U.S.C. 5304). ``(2) Qualification.--An Indian Tribe, a tribally designated housing entity, or a Tribal organization shall qualify as a community-based development organization for purposes of carrying out new housing construction under this subsection for a grant made under section 106(a)(1). ``(j) Special Activities by Indian Tribes.--An Indian Tribe (or a Tribal organization or Tribally designated housing entity designated by such Indian Tribe) receiving a grant under section 106(a)(1) shall be authorized to directly carry out activities described in subsection (a)(15).''. SEC. 14. HOUSING COUNSELING CERTIFICATION WAIVER. Subtitle A of title II of the Native American Housing Assistance and Self-Determination Act of 1996 (25 U.S.C. 4131 et seq.) is amended by adding at the end the following new section: ``SEC. 211. HOUSING COUNSELING CERTIFICATION WAIVER. ``Notwithstanding section 106(g)(1) of the Housing and Urban Development Act of 1968 (12 U.S.C. 1701x(g)(1)), Indian Tribes, Tribal organizations, tribally designated housing entities and the Department of Hawaiian Homelands carrying out homeownership counseling or rental housing counseling under section 105(a)(20) of the Housing and Community Development Act of 1974 (42 U.S.C. 5305(a)(20)) and sections 202(3) and 810(b)(2)(A) of the Native American Housing and Self- Determination Act of 1996 (25 U.S.C. 4132(3), 4229(b)(2)(A)), may not be required to comply with any housing counseling certification requirements established by the Secretary. Nothing in this provision shall be construed as limiting such recipients' ability to obtain a housing counseling certification from the Secretary.''. SEC. 15. ELIGIBILITY FOR HOUSING COUNSELING GRANTS. Section 106(a)(4) of the Housing and Urban Development Act of 1968 (12 U.S.C. 1701x(a)(4)) is amended-- (1) in subparagraph (A)-- (A) by striking ``and'' and inserting a comma; and (B) by inserting before the period at the end the following: ``, Indian Tribes, and tribally designated housing entities''; (2) in subparagraph (B), by inserting ``, Indian Tribes, and tribally designated housing entities'' after ``organizations)''; (3) by redesignating subparagraph (F) as subparagraph (G); and (4) by inserting after subparagraph (E) the following: ``(F) Definitions.--In this paragraph, the terms `Indian Tribe' and `tribally designated housing entity' have the meanings given those terms in section 4 of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4103).''. SEC. 16. SECTION 184 INDIAN HOME LOAN GUARANTEE PROGRAM. (a) In General.--Section 184 of the Housing and Community Development Act of 1992 (12 U.S.C. 1715z-13a) is amended-- (1) by amending subsection (a) to read as follows: ``(a) Authority.--To provide access to sources of private financing to Indian families, Indian housing authorities, and Indian Tribes, who otherwise could not acquire housing financing because of the unique legal status of Indian lands and the unique nature of Tribal economies, and to expand homeownership opportunities to Indian families, tribally designated housing entities, Indian housing authorities and Indian Tribes on fee simple lands, the Secretary may guarantee not to exceed 100 percent of the unpaid principal and interest due on any loan eligible under subsection (b) made to an Indian family, tribally designated housing entities, Indian housing authority, or Indian Tribe on trust land and fee simple land.''; (2) in subsection (b)-- (A) by amending paragraph (2) to read as follows: ``(2) Eligible housing.--The loan shall be used to construct, acquire, refinance, or rehabilitate 1- to 4-family dwellings that are standard housing.''; (B) in paragraph (4)-- (i) by redesignating subparagraphs (A) through (D) as clauses (i) through (iv), respectively, and adjusting the margins accordingly; (ii) by striking ``The loan'' and inserting the following: ``(A) In general.--The loan''; (iii) in subparagraph (A), as so redesignated, by adding at the end the following: ``(v) Any entity certified as a community development financial institution by the Community Development Financial Institutions Fund established under section 104(a) of the Riegle Community Development and Regulatory Improvement Act of 1994 (12 U.S.C. 4703(a)).''; and (iv) by adding at the end the following: ``(B) Direct guarantee process.-- ``(i) Authorization.--The Secretary may authorize qualifying lenders to participate in a direct guarantee process for approving loans under this section. ``(ii) Indemnification.-- ``(I) In general.--If the Secretary determines that a mortgage guaranteed through a direct guarantee process under this subparagraph was not originated in accordance with the requirements established by the Secretary, the Secretary may require the lender approved under this subparagraph to indemnify the Secretary for the loss, irrespective of whether the violation caused the mortgage default. ``(II) Fraud or misrepresentation.--If fraud or misrepresentation is involved in a direct guarantee process under this subparagraph, the Secretary may require the originating lender approved under this subparagraph to indemnify the Secretary for the loss regardless of when an insurance claim is paid. ``(III) Implementation.--The Secretary may implement any requirement described in this subparagraph by regulation, notice or Dear Lender Letter. ``(C) Review of mortgagees.-- ``(i) In general.--The Secretary may periodically review the mortgagees originating, underwriting, or servicing single family mortgage loans under this section. ``(ii) Requirements.--In conducting a review under clause (i), the Secretary-- ``(I) shall compare the mortgagee with other mortgagees originating or underwriting loan guarantees for Indian housing based on the rates of defaults and claims for guaranteed mortgage loans originated, underwritten, or serviced by that mortgagee; ``(II) may compare the mortgagee with such other mortgagees based on underwriting quality, geographic area served, or any commonly used factors the Secretary determines necessary for comparing mortgage default risk, provided that the comparison is of factors that the Secretary would expect to affect the default risk of mortgage loans guaranteed by the Secretary; ``(III) shall implement such comparisons by regulation, notice, or Dear Lender Letter; and ``(IV) may terminate the approval of a mortgagee to originate, underwrite, or service loan guarantees for housing under this section if the Secretary determines that the mortgage loans originated, underwritten, or serviced by the mortgagee present an unacceptable risk to the Indian Housing Loan Guarantee Fund established under clause (i)-- ``(aa) based on a comparison of any of the factors set forth in this subparagraph; or ``(bb) by a determination that the mortgagee engaged in fraud or misrepresentation.''; and (C) in paragraph (5)(A), by inserting before the semicolon at the end the following: ``except, as determined by the Secretary, when there is a loan modification under subsection (h)(1)(B), the term of the loan shall not exceed 40 years''; (3) in subsection (c)-- (A) in paragraph (1)-- (i) by striking ``Before'' and inserting the following: ``(A) In general.--Except as provided in subparagraph (B), before''; and (ii) by adding at the end the following: ``(B) Exception.--Subparagraph (A) shall not apply when the Secretary exercises their discretion to delegate direct guarantee endorsement authority to eligible lenders under subsection (b)(4)(B)(i).''; (B) in paragraph (2)-- (i) by striking ``The Secretary'' and inserting the following: ``(A) In general.--Except as provided in subparagraph (B), the Secretary''; and (ii) by adding at the end the following: ``(B) Exceptions.--When the Secretary exercises its discretion to delegate direct guarantee endorsement authority to eligible lenders under subsection (b)(4)(B)(i)-- ``(i) subparagraph (A) shall not apply; and ``(ii) the direct guarantee endorsement lender may issue a certificate under this paragraph as evidence of the guarantee in accordance with requirements established by the Secretary.''; and (C) in paragraph (3), by inserting ``, or where applicable, the direct guarantee endorsement lender,'' after ``Secretary'' in each place that term appears; and (4) in subsection (l)-- (A) by redesignating paragraphs (8) and (9) as paragraphs (9) and (10), respectively; and (B) by inserting after paragraph (7) the following: ``(8) The term `tribally designated housing entity' has the meaning given the term in section 4 of the Native American Housing Assistance and Self-Determination Act of 1996 (25 U.S.C. 4103).''. (b) Loan Guarantees for Indian Housing.--Section 184(i)(5) of the Housing and Community Development Act of 1992 (12 U.S.C. 1715z- 13a(i)(5)) is amended-- (1) in subparagraph (B), by inserting after the first sentence the following: ``There are authorized to be appropriated for those costs such sums as may be necessary for each of fiscal years 2026 through 2032.''; and (2) in subparagraph (C), by striking ``2008 through 2012'' and inserting ``2026 through 2032''. SEC. 17. LOAN GUARANTEES FOR NATIVE HAWAIIAN HOUSING. Section 184A of the Housing and Community Development Act of 1992 (12 U.S.C. 1715z-13b) is amended-- (1) in subsection (b), by inserting ``, and to expand homeownership opportunities to Native Hawaiian families who are eligible to receive a homestead under the Hawaiian Homes Commission Act, 1920 (42 Stat. 108) on fee simple lands in the State of Hawaii'' after ``markets''; (2) in subsection (c)-- (A) by amending paragraph (2) to read as follows: ``(2) Eligible housing.--The loan shall be used to construct, acquire, refinance, or rehabilitate 1- to 4-family dwellings that are standard housing.''; (B) in paragraph (4)-- (i) in subparagraph (B)-- (I) by redesignating clause (iv) as clause (v); and (II) by adding after clause (iii) the following: ``(iv) Any other lender that is supervised, approved, regulated, or insured by any agency of the Federal Government, including any entity certified as a community development financial institution by the Community Development Financial Institutions Fund established under section 104(a) of the Riegle Community Development and Regulatory Improvement Act of 1994 (12 U.S.C. 4703(a)).''; and (ii) by adding at the end the following: ``(C) Direct guarantee endorsement and indemnification.-- ``(i) In general.--If the Secretary determines that a loan guaranteed under this section was not originated in accordance with the requirements established by the Secretary, the Secretary may require the lender approved under this paragraph to indemnify the Secretary for the loss or potential loss, irrespective of whether the violation caused or will cause the loan default. ``(ii) Direct guarantee endorsement.--The Secretary may, dependent on the availability of systems development and staffing resources, delegate to eligible lenders the authority to directly endorse loans under this section. ``(iii) Fraud or misrepresentation.--If fraud or misrepresentation is involved in a loan guaranteed under this section, the Secretary may require the originating lender approved under this subparagraph to indemnify the Secretary for the loss regardless of whether there was a payment made by the Secretary under the guarantee. ``(iv) Implementation.--The Secretary may implement any requirements described in this subparagraph by regulation, notice, or Dear Lender Letter. ``(v) Review of lenders.-- ``(I) In general.--The Secretary may periodically review the lenders originating, underwriting, or servicing single family mortgage loans under this section. ``(II) Requirements.--In conducting a review under paragraph (1), the Secretary-- ``(aa) shall compare the lender with other lenders originating or underwriting loan guarantees for Indian housing and Native Hawaiian housing based on the rates of defaults and claims for guaranteed loans originated, underwritten, or serviced by that lender; and ``(bb) may compare the lender with such other lenders based on underwriting quality, geographic area served, or any commonly used factors the Secretary determines necessary for comparing mortgage default risk, provided that the comparison is of factors that the Secretary would expect to affect the default risk of mortgage loans guaranteed by the Secretary.''; and (C) in paragraph (5)(A), by inserting before the semicolon at the end the following: ``except, as determined by the Secretary, when there is a loan modification under subsection (i)(1)(B), the term of the loan shall not exceed 40 years''; (3) in subsection (d)-- (A) in paragraph (1)-- (i) in subparagraph (A), by striking ``Before'' and inserting ``Except as provided in subsection (C), before''; (ii) in subparagraph (B), by striking ``If'' and inserting ``Except as provided under subparagraph (C), before''; and (iii) by adding at the end the following: ``(C) Exception.--When the Secretary exercises its discretion to delegate direct guarantee endorsement authority pursuant to subsection (c)(4)(C)(ii), subparagraphs (A) and (B) of this paragraph shall not apply.''; (B) by amending paragraph (2) to read as follows: ``(2) Standard for approval.-- ``(A) Approval.--Except as provided in subparagraph (B), the Secretary may approve a loan for guarantee under this section and issue a certificate under this subsection only if the Secretary determines that there is a reasonable prospect of repayment of the loan. ``(B) Exceptions.--When the Secretary exercises its discretion to delegate direct guarantee endorsement authority pursuant to subsection (c)(4)(C)(ii)-- ``(i) subparagraph (A) shall not apply; and ``(ii) the direct guarantee endorsement lender may issue a certificate under this paragraph as evidence of the guarantee in accordance with requirements prescribed by the Secretary.''; and (C) in paragraph (3)(A), by inserting ``or, where applicable, the direct guarantee endorsement lender,'' after ``Secretary''; and (4) in subsection (j)(5)(B), by inserting after the first sentence the following: ``There are authorized to be appropriated for those costs such sums as may be necessary for each of fiscal years 2026 through 2032.''. SEC. 18. RENTAL ASSISTANCE FOR HOMELESS OR AT-RISK INDIAN VETERANS. Section 8(o)(19) of the United States Housing Act of 1937 (42 U.S.C. 1437f(o)(19)) is amended by adding at the end the following: ``(E) Indian veterans housing rental assistance program.-- ``(i) Definitions.--In this subparagraph: ``(I) Eligible indian veteran.--The term `eligible Indian veteran' means an Indian veteran who is-- ``(aa) homeless or at risk of homelessness; and ``(bb) living-- ``(AA) on or near a reservation; or ``(BB) in or near any other Indian area. ``(II) Eligible recipient.--The term `eligible recipient' means a recipient eligible to receive a grant under section 101 of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4111). ``(III) Indian; indian area.--The terms `Indian' and `Indian area' have the meanings given those terms in section 4 of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4103). ``(IV) Indian veteran.--The term `Indian veteran' means an Indian who is a veteran. ``(V) Program.--The term `Program' means the Tribal HUD-VASH program carried out under clause (ii). ``(VI) Tribal organization.--The term `Tribal organization' has the meaning given the term in section 4 of the Indian Self-Determination and Education Assistance Act (25 U.S.C. 5304). ``(ii) Program specifications.--The Secretary may not use less than 5 percent of the amounts made available for rental assistance under this paragraph to carry out a rental assistance and supported housing program, to be known as the `Tribal HUD-VASH program', in conjunction with the Secretary of Veterans Affairs, by awarding grants for the benefit of eligible Indian veterans. ``(iii) Model.-- ``(I) In general.--Except as provided in subclause (II), the Secretary shall model the Program on the rental assistance and supported housing program authorized under subparagraph (A) and applicable appropriations Acts, including administration in conjunction with the Secretary of Veterans Affairs. ``(II) Exceptions.-- ``(aa) Secretary of housing and urban development.--After consultation with Indian Tribes, eligible recipients, and any other appropriate Tribal organizations, the Secretary may make necessary and appropriate modifications to facilitate the use of the Program by eligible recipients to serve eligible Indian veterans. ``(bb) Secretary of veterans affairs.--After consultation with Indian Tribes, eligible recipients, and any other appropriate Tribal organizations, the Secretary of Veterans Affairs may make necessary and appropriate modifications to facilitate the use of the Program by eligible recipients to serve eligible Indian veterans. ``(iv) Eligible recipients.--The Secretary shall make amounts for rental assistance and associated administrative costs under the Program available in the form of grants to eligible recipients. ``(v) Funding criteria.--The Secretary shall award grants under the Program based on-- ``(I) need; ``(II) administrative capacity; and ``(III) any other funding criteria established by the Secretary in a notice published in the Federal Register after consulting with the Secretary of Veterans Affairs. ``(vi) Administration.--Grants awarded under the Program shall be administered in accordance with the Native American Housing Assistance and Self-Determination Act of 1996 (25 U.S.C. 4101 et seq.), except that recipients shall-- ``(I) submit to the Secretary, in a manner prescribed by the Secretary, reports on the utilization of rental assistance provided under the Program; and ``(II) provide to the Secretary information specified by the Secretary to assess the effectiveness of the Program in serving eligible Indian veterans. ``(vii) Consultation.-- ``(I) Grant recipients; tribal organizations.--The Secretary, in coordination with the Secretary of Veterans Affairs, shall consult with eligible recipients and any other appropriate Tribal organization on the design of the Program to ensure the effective delivery of rental assistance and supportive services to eligible Indian veterans under the Program. ``(II) Indian health service.--The Director of the Indian Health Service shall provide any assistance requested by the Secretary or the Secretary of Veterans Affairs in carrying out the Program. ``(viii) Waiver.-- ``(I) In general.--Except as provided in subclause (II), the Secretary may waive or specify alternative requirements for any provision of law (including regulations) that the Secretary administers in connection with the use of rental assistance made available under the Program if the Secretary finds that the waiver or alternative requirement is necessary for the effective delivery and administration of rental assistance under the Program to eligible Indian veterans. ``(II) Exception.--The Secretary may not waive or specify alternative requirements under subclause (I) for any provision of law (including regulations) relating to labor standards or the environment. ``(ix) Renewal grants.--The Secretary may-- ``(I) set aside, from amounts made available for tenant-based rental assistance under this subsection and without regard to the amounts used for new grants under clause (ii), such amounts as may be necessary to award renewal grants to eligible recipients that received a grant under the Program in a previous year; and ``(II) specify criteria that an eligible recipient must satisfy to receive a renewal grant under subclause (I), including providing data on how the eligible recipient used the amounts of any grant previously received under the Program. ``(x) Reporting.--Not later than 1 year after the date of enactment of this subparagraph, and every 5 years thereafter, the Secretary, in coordination with the Secretary of Veterans Affairs and the Director of the Indian Health Service, shall-- ``(I) conduct a review of the implementation of the Program, including any factors that may have limited its success; and ``(II) submit a report describing the results of the review under item (aa) to-- ``(aa) the Committee on Indian Affairs, the Committee on Banking, Housing, and Urban Affairs, the Committee on Veterans' Affairs, and the Committee on Appropriations of the Senate; and ``(bb) the Subcommittee on Indian and Insular Affairs of the Committee on Natural Resources, the Committee on Financial Services, the Committee on Veterans' Affairs, and the Committee on Appropriations of the House of Representatives. ``(xi) Impact on formula current assisted stock.--For a given fiscal year's allocation formula of the Native American Housing Block Grants program, as authorized under title I of the Native American Housing Assistance and Self-Determination Act of 1996 (25 U.S.C. 4111 et seq.), the number of qualifying low-income housing dwelling units under section 302(b)(1) of the Native American Housing Assistance and Self-Determination Act of 1996 (25 U.S.C. 4152(b)(1)) may not be reduced due to the placement of an eligible Indian veteran assisted with amounts provided under the Program within such qualifying units.''. SEC. 19. CONTINUUM OF CARE. Title IV of the McKinney-Vento Homeless Assistance Act (42 U.S.C. 11360 et seq.) is amended-- (1) in section 401 (42 U.S.C. 11360)-- (A) by redesignating paragraphs (32) through (35) as paragraphs (33) through (36), respectively; and (B) by inserting after paragraph (31) the following: ``(32) Tribally designated housing entity.--The term `tribally designated housing entity' has the meaning given the term in section 4 of the Native American Housing Assistance and Self-Determination Act of 1996 (25 U.S.C. 4103).''; (2) in section 423(g) (42 U.S.C. 11383(g)), by inserting ``Indian Tribe, tribally designated housing entity,'' after ``private nonprofit organization,''; and (3) in section 435 (42 U.S.C. 11389)-- (A) by striking ``(as defined in section 4 of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4103))''; (B) by striking ``Notwithstanding'' and inserting the following: ``(a) Eligible Entities.--Notwithstanding''; and (C) by adding at the end the following: ``(b) Civil Rights Exemptions.--With respect to grants awarded to carry out eligible activities under this subtitle, title VI of the Civil Rights Act of 1964 (42 U.S.C. 2000d et seq.) and title VIII of the Civil Rights Act of 1968 (42 U.S.C. 3601 et seq.) shall not apply to applications or awards for projects to be carried out-- ``(1) on or off reservation or trust lands for awards made to Indian Tribes or tribally designated housing entities; ``(2) on reservation or trust lands for awards made to eligible entities; or ``(3) with respect to a project in which amounts provided under this Act will be used specifically to benefit Tribal communities or Tribal members, in formula areas (as such term is defined in section 1000.302 of title 24, Code of Federal Regulations, or any successor regulation) for the Indian Housing Block Grant. ``(c) Certification.--Notwithstanding section 106 of the Cranston- Gonzalez National Affordable Housing Act (42 U.S.C. 12706) and section 403 of this Act, with respect to applications for projects to be carried out on reservations or trust land using grants awarded under this subtitle-- ``(1) the applications shall contain a certification of consistency with an approved Indian housing plan developed under section 102 of the Native American Housing Assistance and Self-Determination Act (25 U.S.C. 4112); and ``(2) Indian Tribes and tribally designated housing entities that are recipients of awards for projects on reservations or trust land from such funds shall certify that they are following an approved housing plan developed under section 102 of the Native American Housing Assistance and Self- Determination Act (25 U.S.C. 4112). ``(d) Consolidated Plan Exemption.--A collaborative applicant for a Continuum of Care whose geographic area includes only reservation or trust land is not required to meet the requirement described in section 402(f)(2). ``(e) Waiver Authority for Tribal Participation.--In administering the amounts made available under this Act, the Secretary may waive, or specify alternative requirements for, any provision of any statute or regulation that the Secretary administers in connection with the obligation by the Secretary or the use by the recipient of these amounts (except for requirements related to labor standards and the environment), if the Secretary finds that good cause exists for the waiver or alternative requirement and such waiver or alternative requirement is necessary to modify any requirements preventing the participation of Indian Tribes or tribally designated housing entity in the Continuum of Care Program, or would expedite or facilitate the use of funds.''. SEC. 20. STREAMLINING REPORTING REQUIREMENTS. Section 404 of the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4164) is amended-- (1) by redesignating subsection (d) as subsection (e); and (2) by inserting after subsection (c) the following: ``(d) Consolidated Reporting.--Notwithstanding any other provision of law, the Secretary shall develop policies and procedures that authorize interested Indian Tribes and tribally designated housing entities receiving grant amounts under this Act to submit to the Secretary, at their discretion, one consolidated annual performance report covering all grants the Indian Tribe or tribally designated housing entity receives from other grant programs administered by the Secretary.''. SEC. 21. APPLICATION OF BUILD AMERICA, BUY AMERICA REQUIREMENTS. The requirements under the Build America, Buy America Act (41 U.S.C. 8301 note) and any implementing regulations or guidance shall not apply to any housing activities carried out using any Federal financial assistance provided to Indian tribes, tribally designated housing entities, tribal organizations, and other Tribal entities (including the Department of Hawaiian Home Lands) under any Federal program. <all>\n--- KONIEC DOKUMENTU ---\n\nPAMIĘTAJ: Twoja odpowiedź MUSI być wyłącznie poprawnym obiektem JSON. Nie dodawaj żadnych dodatkowych znaków, komentarzy ani tekstu przed znacznikiem '{' ani po znaczniku '}'. Cała odpowiedź musi być parsowalna jako JSON.\nNa podstawie POWYŻSZEGO dokumentu, wypełnij poniższą strukturę JSON:\nOto struktura JSON, której oczekuję (wypełnij ją treścią):\n{\n  \"pl_ai_title\": \"Nowy, krótki tytuł dla aktu prawnego po polsku, oddający sedno wprowadzanych zmian (np. maksymalnie 10-12 słów).\",\n  \"pl_summary\": \"2-3 zdania zwięzłego podsumowania treści aktu prawnego po polsku, napisane z perspektywy wpływu na życie codzienne obywateli.\",\n  \"pl_key_points\": [\n    \"Pierwszy krótki punkt po polsku dotyczący najważniejszych wprowadzanych rozwiązań lub zmian.\",\n    \"Drugi krótki punkt po polsku...\"\n  ],\n  \"eng_ai_title\": \"A new, short title for the legal act in English, capturing the essence of the changes (e.g., max 10-12 words).\",\n  \"eng_summary\": \"2-3 sentences summarizing the legal act in English, from the perspective of its impact on citizens' daily lives.\",\n  \"eng_key_points\": [\n    \"First short bullet point in English regarding the most important solutions or changes being introduced.\",\n    \"Second short bullet point in English...\"\n  ],\n  \"de_ai_title\": \"Ein neuer, kurzer Titel für das Rechtsdokument auf Deutsch, der den Kern der Änderungen erfasst (z.B. max. 10-12 Wörter).\",\n  \"de_summary\": \"2-3 Sätze Zusammenfassung des Rechtsdokuments auf Deutsch, aus der Perspektive seiner Auswirkungen auf das tägliche Leben der Bürger.\",\n  \"de_key_points\": [\n    \"Erster kurzer Stichpunkt auf Deutsch zu den wichtigsten eingeführten Lösungen oder Änderungen.\",\n    \"Zweiter kurzer Stichpunkt auf Deutsch...\"\n  ],\n  \"fr_ai_title\": \"Un nouveau titre court pour l'acte juridique en français, saisissant l'essence des changements (par exemple, 10-12 mots maximum).\",\n  \"fr_summary\": \"Résumé de 2-3 phrases de l'acte juridique en français, du point de vue de son impact sur la vie quotidienne des citoyens.\",\n  \"fr_key_points\": [\n    \"Premier court point en français concernant les solutions ou changements les plus importants introduits.\",\n    \"Deuxième court point en français...\"\n  ],\n  \"es_ai_title\": \"Un nuevo título breve para el acto jurídico en español, que recoja la esencia de los cambios (por ejemplo, máximo 10-12 palabras).\",\n  \"es_summary\": \"Resumen de 2-3 frases del acto jurídico en español, desde la perspectiva de su impacto en la vida cotidiana de los ciudadanos.\",\n  \"es_key_points\": [\n    \"Primer punto breve en español sobre las soluciones o cambios más importantes que se introducen.\",\n    \"Segundo punto breve en español...\"\n  ],\n  \"it_ai_title\": \"Un nuovo titolo breve per l'atto giuridico in italiano, che colga l'essenza delle modifiche (ad es. massimo 10-12 parole).\",\n  \"it_summary\": \"Riepilogo di 2-3 frasi dell'atto giuridico in italiano, dal punto di vista del suo impatto sulla vita quotidiana dei cittadini.\",\n  \"it_key_points\": [\n    \"Primo breve punto in italiano riguardante le soluzioni o le modifiche più importanti introdotte.\",\n    \"Secondo breve punto in italiano...\"\n  ],\n  \"nl_ai_title\": \"Een nieuwe, korte titel voor de rechtshandeling in het Nederlands, die de essentie van de wijzigingen weergeeft (bijv. max. 10-12 woorden).\",\n  \"nl_summary\": \"Samenvatting van 2-3 zinnen van de rechtshandeling in het Nederlands, vanuit het perspectief van de impact op het dagelijks leven van burgers.\",\n  \"nl_key_points\": [\n    \"Eerste korte punt in het Nederlands betreffende de belangrijkste geïntroduceerde oplossingen of wijzigingen.\",\n    \"Tweede korte punt in het Nederlands...\"\n  ],\n  \"pt_ai_title\": \"Um novo título curto para o ato jurídico em português, capturando a essência das mudanças (por exemplo, máx. 10-12 palavras).\",\n  \"pt_summary\": \"Resumo de 2-3 frases do ato jurídico em português, na perspetiva do seu impacto na vida quotidiana dos cidadãos.\",\n  \"pt_key_points\": [\n    \"Primeiro ponto curto em português sobre as soluções ou alterações mais importantes introduzidas.\",\n    \"Segundo ponto curto em português...\"\n  ],\n  \"category\": [\"Categorize the document into one category by default, based on the field it primarily concerns. Choose up to 3 if the document also touches upon SIGNIFICANT issues from other categories. You MUST select categories ONLY from the following list: Health, Education, Family, Taxes, Labor, Security, Environment, Courts and Law, Transport, Benefits, Real Estate, Media and Culture, Local Government, Migration, Agriculture, Public Investments, Informatization, Economy. If the document does not definitively fit any of these, you MUST use \"Other\". If you use \"Other\", it should be the ONLY category selected. Do NOT invent new categories. The response must be an array of strings, e.g., [\"Taxes\", \"Family\"].\"]\n}\n\n",
      "ai_response_raw": "{\n  \"pl_ai_title\": \"Modernizacja wsparcia mieszkaniowego dla rdzennych Amerykanów i Hawajczyków 2026\",\n  \"pl_summary\": \"Ustawa przedłuża i usprawnia programy pomocy mieszkaniowej dla społeczności rdzennych Amerykanów i Hawajczyków do 2032 roku. Zmiany ułatwiają dostęp do kredytów hipotecznych, wspierają bezdomnych weteranów oraz przyspieszają budowę nowych domów poprzez uproszczenie formalności.\",\n  \"pl_key_points\": [\n    \"Przedłużenie finansowania programów budownictwa społecznego i remontów do 2032 roku.\",\n    \"Wprowadzenie 99-letnich dzierżaw gruntów, co ułatwia stabilne planowanie miejsca zamieszkania.\",\n    \"Uruchomienie specjalnego programu dopłat do czynszu dla bezdomnych lub zagrożonych bezdomnością weteranów.\",\n    \"Uproszczenie przepisów środowiskowych dla mniejszych inwestycji mieszkaniowych (do 250 tys. dolarów).\",\n    \"Możliwość wydłużenia okresu spłaty gwarantowanych kredytów mieszkaniowych do 40 lat w określonych sytuacjach.\",\n    \"Wprowadzenie pomocy finansowej na zakwaterowanie dla studentów pochodzących ze społeczności plemiennych.\",\n    \"Zwolnienie plemiennych projektów mieszkaniowych z niektórych restrykcyjnych wymogów dotyczących zakupu materiałów budowlanych.\"\n  ],\n  \"eng_ai_title\": \"Native American Housing Assistance and Self-Determination Modernization Act of 2026\",\n  \"eng_summary\": \"This act extends and improves housing assistance programs for Native American and Native Hawaiian communities through 2032. It simplifies home loan access, supports homeless veterans, and speeds up home construction by reducing bureaucratic red tape.\",\n  \"eng_key_points\": [\n    \"Extension of funding for social housing and renovation programs until 2032.\",\n    \"Introduction of 99-year land leases to provide long-term residential stability.\",\n    \"Creation of a dedicated rental assistance program for homeless or at-risk Indian veterans.\",\n    \"Streamlining environmental review processes for smaller housing projects under $250,000.\",\n    \"Allowing guaranteed home loan terms to be extended up to 40 years for loan modifications.\",\n    \"New financial support for college housing for students from tribal communities.\",\n    \"Exemption of tribal housing projects from certain restrictive federal material purchasing requirements.\"\n  ],\n  \"de_ai_title\": \"Modernisierung der Wohnungsbauhilfe für amerikanische Ureinwohner 2026\",\n  \"de_summary\": \"Dieses Gesetz verlängert und verbessert die Wohnungsbauprogramme für amerikanische Ureinwohner und Hawaiianer bis 2032. Es erleichtert den Zugang zu Hypotheken, unterstützt obdachlose Veteranen und beschleunigt den Wohnungsbau durch Bürokratieabbau.\",\n  \"de_key_points\": [\n    \"Verlängerung der Finanzierung für sozialen Wohnungsbau und Renovierungen bis 2032.\",\n    \"Einführung von 99-jährigen Pachtverträgen für mehr langfristige Planungssicherheit.\",\n    \"Einrichtung eines speziellen Mietbeihilfeprogramms für obdachlose oder gefährdete indigene Veteranen.\",\n    \"Vereinfachung von Umweltprüfungen für kleinere Bauprojekte bis zu 250.000 US-Dollar.\",\n    \"Möglichkeit, die Laufzeit garantierter Wohnungsbaudarlehen in Sonderfällen auf 40 Jahre zu verlängern.\",\n    \"Finanzielle Unterstützung für die Unterbringung von Studenten aus Stammesgemeinschaften.\",\n    \"Befreiung von bestimmten restriktiven Bundesvorschriften beim Kauf von Baumaterialien.\"\n  ],\n  \"fr_ai_title\": \"Modernisation de l'aide au logement pour les Amérindiens et les Hawaïens 2026\",\n  \"fr_summary\": \"Cette loi prolonge et améliore les programmes d'aide au logement pour les communautés amérindiennes et hawaïennes jusqu'en 2032. Elle facilite l'accès aux prêts immobiliers, soutient les vétérans sans-abri et accélère la construction de logements en simplifiant les formalités.\",\n  \"fr_key_points\": [\n    \"Prolongation du financement des programmes de logement social et de rénovation jusqu'en 2032.\",\n    \"Introduction de baux fonciers de 99 ans pour assurer une plus grande stabilité résidentielle.\",\n    \"Création d'un programme spécial d'aide au loyer pour les vétérans amérindiens sans-abri ou à risque.\",\n    \"Simplification des examens environnementaux pour les petits projets de logement (moins de 250 000 $).\",\n    \"Possibilité d'étendre la durée des prêts immobiliers garantis jusqu'à 40 ans pour certaines modifications.\",\n    \"Soutien financier pour le logement étudiant des membres des communautés tribales.\",\n    \"Exemption des projets de logement tribaux de certaines exigences fédérales d'achat de matériaux.\"\n  ],\n  \"es_ai_title\": \"Modernización de la Asistencia de Vivienda para Nativos Americanos 2026\",\n  \"es_summary\": \"Esta ley extiende y mejora los programas de ayuda para la vivienda de las comunidades nativas americanas y hawaianas hasta 2032. Facilita el acceso a préstamos hipotecarios, apoya a veteranos sin hogar y agiliza la construcción mediante la reducción de trámites.\",\n  \"es_key_points\": [\n    \"Extensión del financiamiento para programas de vivienda social y renovación hasta 2032.\",\n    \"Introducción de contratos de arrendamiento de tierras por 99 años para mayor estabilidad a largo plazo.\",\n    \"Creación de un programa especial de asistencia para el alquiler destinado a veteranos indígenas sin hogar.\",\n    \"Simplificación de las revisiones ambientales para proyectos de vivienda menores a 250,000 dólares.\",\n    \"Posibilidad de extender el plazo de préstamos hipotecarios garantizados hasta 40 años en casos específicos.\",\n    \"Apoyo financiero para el alojamiento de estudiantes universitarios de comunidades tribales.\",\n    \"Exención de ciertos requisitos federales de compra de materiales para proyectos de vivienda tribales.\"\n  ],\n  \"it_ai_title\": \"Modernizzazione dell'assistenza abitativa per i nativi americani 2026\",\n  \"it_summary\": \"Questa legge estende e migliora i programmi di assistenza abitativa per le comunità dei nativi americani e hawaiani fino al 2032. Facilita l'accesso ai mutui, sostiene i veterani senza fissa dimora e accelera la costruzione di case riducendo la burocrazia.\",\n  \"it_key_points\": [\n    \"Proroga dei finanziamenti per l'edilizia sociale e le ristrutturazioni fino al 2032.\",\n    \"Introduzione di contratti di locazione del terreno a 99 anni per una maggiore stabilità abitativa.\",\n    \"Creazione di un programma speciale di assistenza all'affitto per i veterani nativi senza tetto.\",\n    \"Semplificazione delle verifiche ambientali per i piccoli progetti edilizi sotto i 250.000 dollari.\",\n    \"Possibilità di estendere la durata dei mutui garantiti fino a 40 anni per le modifiche ai prestiti.\",\n    \"Sostegno finanziario per l'alloggio degli studenti universitari provenienti dalle tribù.\",\n    \"Esenzione dei progetti abitativi tribali da alcuni vincoli federali sull'acquisto di materiali.\"\n  ],\n  \"nl_ai_title\": \"Modernisering van huisvestingsbijstand voor inheemse Amerikanen 2026\",\n  \"nl_summary\": \"Deze wet verlengt en verbetert de huisvestingsprogramma's voor inheemse Amerikaanse en Hawaiiaanse gemeenschappen tot 2032. Het vergemakkelijkt de toegang tot hypotheken, ondersteunt dakloze veteranen en versnelt de woningbouw door minder regels.\",\n  \"nl_key_points\": [\n    \"Verlenging van de financiering voor sociale woningbouw en renovaties tot 2032.\",\n    \"Invoering van erfpachtcontracten van 99 jaar voor meer woonzekerheid op lange termijn.\",\n    \"Oprichting van een speciaal huurtoeslagprogramma voor dakloze of kwetsbare inheemse veteranen.\",\n    \"Vereenvoudiging van milieucontroles voor kleinere woningbouwprojecten tot 250.000 dollar.\",\n    \"Mogelijkheid om de looptijd van gegarandeerde woningleningen te verlengen tot 40 jaar.\",\n    \"Financiële steun voor de huisvesting van studenten uit stamgemeenschappen.\",\n    \"Vrijstelling van bepaalde federale inkoopregels voor bouwmaterialen bij stamprojecten.\"\n  ],\n  \"pt_ai_title\": \"Modernização da Assistência à Habitação para Nativos Americanos 2026\",\n  \"pt_summary\": \"Esta lei prorroga e melhora os programas de assistência à habitação para as comunidades nativas americanas e havaianas até 2032. Facilita o acesso a empréstimos, apoia veteranos sem-abrigo e acelera a construção ao reduzir a burocracia.\",\n  \"pt_key_points\": [\n    \"Prorrogação do financiamento para programas de habitação social e renovação até 2032.\",\n    \"Introdução de arrendamentos de terras por 99 anos para garantir estabilidade residencial a longo prazo.\",\n    \"Criação de um programa especial de auxílio ao aluguer para veteranos indígenas sem-abrigo.\",\n    \"Simplificação das revisões ambientais para pequenos projetos de habitação (até 250 mil dólares).\",\n    \"Possibilidade de estender o prazo de empréstimos habitacionais garantidos para até 40 anos.\",\n    \"Apoio financeiro para alojamento de estudantes universitários de comunidades tribais.\",\n    \"Isenção de projetos habitacionais tribais de certas exigências federais de compra de materiais.\"\n  ],\n  \"category\": [\"Real Estate\", \"Benefits\", \"Local Government\"]\n}"
    }
  ]
}