{
  "legislationId": "119_HR_8185",
  "lastUpdate": "2026-04-15T11:37:43.824Z",
  "history": [
    {
      "timestamp": "2026-04-15T11:37:43.824Z",
      "source_url": "https://www.congress.gov/119/bills/hr8185/BILLS-119hr8185ih.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. 8185 Introduced in House (IH)] <DOC> 119th CONGRESS 2d Session H. R. 8185 To create a database of eviction information, establish grant programs for eviction prevention and legal aid, and limit use of housing court- related records in consumer reports, and for other purposes. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES April 2, 2026 Ms. Pressley (for herself, Ms. DeLauro, Mr. Gomez, Ms. Norton, Ms. Tlaib, and Ms. Jayapal) introduced the following bill; which was referred to the Committee on Financial Services _______________________________________________________________________ A BILL To create a database of eviction information, establish grant programs for eviction prevention and legal aid, and limit use of housing court- related records in consumer reports, 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. This Act may be cited as the ``Housing Emergencies Lifeline Program Act of 2026'' or the ``HELP Act of 2026''. SEC. 2. DATABASE OF EVICTION INFORMATION. (a) Reports by Housing Providers.-- (1) In general.--The Secretary of Housing and Urban Development shall require each State and local entity that receives covered housing assistance to submit to the Secretary annual reports under this section regarding evictions from assisted dwelling units of the covered housing occurring during the preceding year. (2) Contents.--Each report submitted pursuant to subsection (a) shall include-- (A) for each household subject to an eviction proceeding during the year which the report covers-- (i) the reason or reasons that the eviction proceeding was undertaken and, in the case of any eviction proceeding undertaken in whole or in part based on an arrearage in rent owed, the amount of such arrearage and the amount of the tenant's required contribution toward rent; (ii) the date on which the household was ordered to be evicted; (iii) the address of the dwelling unit from which the household was evicted; (iv) whether the household was represented by legal counsel in any eviction proceeding, if such information is available; (v) the number of days the household was given to vacate the dwelling unit, if such information is available; and (vi) whether a writ of execution was issued in regards to the eviction; and (B) for each individual in any household subject to an eviction proceeding during the year which the report covers-- (i) the name of the individual; (ii) the annual income of the individual in the fiscal year prior to the year during which the individual was evicted, if available; (iii) the disability status of the individual evicted, if available; (iv) any available demographic information about the individual including race, ethnicity, age, and gender; (v) any foster care history for the individual, if available; (vi) any serious physical health problems or serious mental illness of the individual, if such information is available; (vii) any history of prior homelessness of the individual, if such information is available; and (viii) whether the individual has a criminal record, if such information is available. (3) Data requirements.--The Secretary of Housing and Urban Development shall develop requirements for States and local entities that receive covered housing assistance that-- (A) provides limitations on how long the information described in paragraph (2) shall be retained; and (B) establishes data privacy and security requirements for the information described in paragraph (2) that-- (i) includes appropriate measures to ensure that the privacy of the individuals and households is protected and that the information, including any personally identifiable information, is collected and used only for the purpose of submitting reports under paragraph (1); and (ii) ensures that any names collected are redacted and replaced with an anonymous identifier. (b) Database.-- (1) In general.--The Secretary shall establish a database for collecting and maintaining information submitted in reports pursuant to subsection (a). (2) Disaggregation.--To the extent possible, such database shall be disaggregated by the smallest census tract, block group, or block possible for the data set, and by income, race, gender, disability, and all other protected classes under the Fair Housing Act. (3) Privacy protections.--The Secretary shall establish appropriate measures regarding information in the database to ensure that, subject to paragraph (3), the privacy of the individuals and households is protected and that any personally identifiable information is not disclosed, including by redacting all names. (4) Research.--The Secretary may make full and unredacted information available to academic institutions for the purpose of researching causes and solutions to evictions and adherence to civil rights protections. SEC. 3. EVICTION PROTECTION GRANT PROGRAM. (a) Establishment.--The Secretary shall establish a grant program to award competitive grants to eligible entities as described in this section. (b) Eligibility.--To be eligible for a grant under this section, an entity shall be a nonprofit or government entity. (c) Eligible Uses.--An entity that is awarded a grant under this section shall use such grant to provide legal assistance (including assistance related to pretrial activities, trial activities, post-trial activities and alternative dispute resolution) at no cost to eligible low-income tenants at risk of or subject to eviction. (d) Priority.--In awarding grants under this section, the Secretary shall give preference to eligible entities that-- (1) include a marketing strategy for residents of areas with high rates of eviction; (2) have experience providing no-cost legal assistance to low-income individuals, including those with limited English proficiency or disabilities; and (3) have sufficient capacity to administer such assistance. (e) Use in Urban and Rural Areas.--The Secretary shall ensure, to the extent practicable, that the proportion of tenants living in rural areas who will receive legal assistance with grant amounts under this section is not less than the overall proportion of tenants who live in rural areas. (f) Authorization of Appropriations.--There is authorized to be appropriated to the Secretary such sums as needed for-- (1) grants under this section; and (2) assistance under the emergency solutions grants program under subtitle B of title IV of the McKinney-Vento Homeless Assistance Act (42 U.S.C. 11371 et seq.), to be used only for-- (A) providing legal counsel for tenants subject to or at risk of eviction with regard to any eviction related legal proceeding; and (B) costs of any court fees associated with an eviction-related legal proceeding for a tenant (excluding any attorneys fees for the attorney of the landlord of the tenant). SEC. 4. CONSUMER REPORTS. (a) In General.--Section 605(a) of the Fair Credit Reporting Act (15 U.S.C. 1681c(a)) is amended by adding at the end the following: ``(9) An eviction, or any information related to an eviction or a proceeding seeking eviction, of a consumer from a rental dwelling. ``(10) Any adverse item of information related to rent or utility arrears.''. (b) Applicability.--The amendment made by this section shall apply to any consumer report (as defined in section 603 of the Fair Credit Reporting Act (15 U.S.C. 1681a)) issued on or after the date of the enactment of this Act. SEC. 5. EVICTION INFORMATION. (a) In General.--The Secretary shall, not later than 1 year after the date of the enactment of this Act, issue rules that require each owner of a covered federally assisted rental dwelling unit to ensure that each tenant of such dwelling unit owned by such owner receives information, in writing-- (1) not less than once each year regarding-- (A) the rights and responsibilities of such owner with regard to eviction; and (B) local organizations and resources that can provide assistance in eviction-related matters; (2) upon provision of any notice of eviction, stating the reason or reasons for the eviction; and (3) all notices given shall clarify that rights and responsibilities of tenants are subject to State and local law. (b) Hotline.--The Secretary shall, not later than 1 year after the date of the enactment of this Act, establish a hotline to provide assistance with regard to eviction-related matters to tenants of covered federally assisted rental dwelling units. The Secretary shall establish guidance to ensure that the hotline is visible, promoted to consumers, is accessible in English and other languages, has accommodations for those who have disabilities, and maintains adequate staff to match the volume of calls to the hotline. Assistance must direct callers to available resources, including legal aid, and make callers aware of their rights and responsibilities as tenants. SEC. 6. DEFINITIONS. In this Act: (1) Assistance.--The term ``assistance'' means any grant, loan, subsidy, contract, cooperative agreement, or other form of financial assistance, but such term does not include the insurance or guarantee of a loan, mortgage, or pool of loans or mortgages. (2) Covered federally assisted rental dwelling unit.--The term ``covered federally assisted rental dwelling unit'' means a residential dwelling unit that-- (A) is made available for rental; and (B)(i) for which assistance is provided, or that is part of a housing project for which assistance is provided, under any program administered by the Secretary of Housing and Urban Development, including-- (I) the public housing program under the United States Housing Act of 1937 21 (42 U.S.C. 1437 et seq.); (II) the program for rental assistance under section 8 of the United States Housing Act of 1937 (42 U.S.C. 1437f); (III) the HOME Investment Partnerships program under title II of the Cranston-Gonzalez National Affordable Housing Act (42 U.S.C. 12721 et seq.); (IV) title IV of the McKinney-Vento Homeless Assistance Act (42 U.S.C. 11360 et seq.); (V) the Housing Trust Fund program under section 1338 of the Housing and Community Development Act of 1992 (12 U.S.C. 4568); (VI) the program for supportive housing for the elderly under section 202 of the Housing Act of 1959 (12 U.S.C. 1701q); (VII) the program for supportive housing for persons with disabilities under section 811 of the Cranston- Gonzalez National Affordable Housing Act (42 U.S.C. 8013); (VIII) the AIDS Housing Opportunities program under subtitle D of title VIII of the Cranston-Gonzalez National Affordable Housing Act (42 U.S.C. 12901 et seq.); (IX) the program for Native American housing under the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4101 et seq.); and (X) the program for housing assistance for Native Hawaiians under title VIII of the Native American Housing Assistance and Self- Determination Act of 1996 7 (25 U.S.C. 4221 et seq.); or (ii) is a property, or is on or in a property, that has a federally backed mortgage loan or federally backed multifamily mortgage loan, as 11 such terms are defined in section 4024(a) of the CARES Act (15 U.S.C. 9058(a)). (3) Covered housing.--The term ``covered housing'' means a dwelling unit assisted with amounts made available, or a loan or mortgage made, insured, or guaranteed, under any of the following programs: (A) The programs for tenant- and project-based rental assistance under section 8 of the United States Housing Act of 1937 (42 U.S.C. 21 1437f). (B) The program for public housing under the United States Housing Act of 1937 (42 24 U.S.C. 1437 et seq.). (C) The program for supportive housing for the elderly under section 202 of the Housing Act of 1959 (12 U.S.C. 1701q). (D) The program for supportive housing for persons with disabilities under section 811 of the Cranston- Gonzalez National Affordable Housing Act (42 U.S.C. 8013). (E) The community development block grant program under title I of the Housing and Community Development Act of 1974 (42 11 U.S.C. 5301 et seq.). (F) The HOME Investment Partnerships program under titles I and II of the Cranston-Gonzalez National Affordable Housing Act (42 U.S.C. 12704 et seq.). (G) The program for housing opportunities for persons with AIDS under subtitle D of title VIII of the Cranston-Gonzalez National Affordable Housing Act (42 U.S.C. 12901 et seq.). (H) The programs for homeless assistance under title IV of the Mckinney-Vento Homeless Assistance Act (42 U.S.C. 11361 et seq.). (4) Covered housing assistance.--The term ``covered housing assistance'' means assistance under any program specified in paragraph (3). (5) Legal counsel.--The term ``legal counsel'' means full representation by an attorney throughout proceedings in issue. (6) Owner.--For the purposes of this Act, the term ``owner'' means any private person or entity, including a cooperative, an agency of the Federal Government, or a public housing agency, having the legal right to lease or sublease dwelling units. (7) Secretary.--The term ``Secretary'' means Secretary of Housing and Urban Development. <all>\n\nSUMMARY TO EVALUATE:\nTitle: Housing Emergencies Lifeline Program Act of 2026 (HELP Act)\nSummary: This act protects tenants by providing free legal aid for those facing eviction and banning eviction history from credit reports. It also creates a national eviction database and a support hotline for residents of federally assisted housing.\nKey Points: Free legal assistance for low-income tenants at risk of losing their homes., Ban on including eviction records or rent arrears in consumer credit reports., Creation of a national hotline to help tenants understand their rights and find resources., Requirement for landlords to provide written reasons for eviction and info on local aid., New national database to track eviction trends while protecting individual tenant privacy.\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": "2026-04-15T11:21:00.657Z",
      "source_url": "https://www.congress.gov/119/bills/hr8185/BILLS-119hr8185ih.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. 8185 Introduced in House (IH)] <DOC> 119th CONGRESS 2d Session H. R. 8185 To create a database of eviction information, establish grant programs for eviction prevention and legal aid, and limit use of housing court- related records in consumer reports, and for other purposes. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES April 2, 2026 Ms. Pressley (for herself, Ms. DeLauro, Mr. Gomez, Ms. Norton, Ms. Tlaib, and Ms. Jayapal) introduced the following bill; which was referred to the Committee on Financial Services _______________________________________________________________________ A BILL To create a database of eviction information, establish grant programs for eviction prevention and legal aid, and limit use of housing court- related records in consumer reports, 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. This Act may be cited as the ``Housing Emergencies Lifeline Program Act of 2026'' or the ``HELP Act of 2026''. SEC. 2. DATABASE OF EVICTION INFORMATION. (a) Reports by Housing Providers.-- (1) In general.--The Secretary of Housing and Urban Development shall require each State and local entity that receives covered housing assistance to submit to the Secretary annual reports under this section regarding evictions from assisted dwelling units of the covered housing occurring during the preceding year. (2) Contents.--Each report submitted pursuant to subsection (a) shall include-- (A) for each household subject to an eviction proceeding during the year which the report covers-- (i) the reason or reasons that the eviction proceeding was undertaken and, in the case of any eviction proceeding undertaken in whole or in part based on an arrearage in rent owed, the amount of such arrearage and the amount of the tenant's required contribution toward rent; (ii) the date on which the household was ordered to be evicted; (iii) the address of the dwelling unit from which the household was evicted; (iv) whether the household was represented by legal counsel in any eviction proceeding, if such information is available; (v) the number of days the household was given to vacate the dwelling unit, if such information is available; and (vi) whether a writ of execution was issued in regards to the eviction; and (B) for each individual in any household subject to an eviction proceeding during the year which the report covers-- (i) the name of the individual; (ii) the annual income of the individual in the fiscal year prior to the year during which the individual was evicted, if available; (iii) the disability status of the individual evicted, if available; (iv) any available demographic information about the individual including race, ethnicity, age, and gender; (v) any foster care history for the individual, if available; (vi) any serious physical health problems or serious mental illness of the individual, if such information is available; (vii) any history of prior homelessness of the individual, if such information is available; and (viii) whether the individual has a criminal record, if such information is available. (3) Data requirements.--The Secretary of Housing and Urban Development shall develop requirements for States and local entities that receive covered housing assistance that-- (A) provides limitations on how long the information described in paragraph (2) shall be retained; and (B) establishes data privacy and security requirements for the information described in paragraph (2) that-- (i) includes appropriate measures to ensure that the privacy of the individuals and households is protected and that the information, including any personally identifiable information, is collected and used only for the purpose of submitting reports under paragraph (1); and (ii) ensures that any names collected are redacted and replaced with an anonymous identifier. (b) Database.-- (1) In general.--The Secretary shall establish a database for collecting and maintaining information submitted in reports pursuant to subsection (a). (2) Disaggregation.--To the extent possible, such database shall be disaggregated by the smallest census tract, block group, or block possible for the data set, and by income, race, gender, disability, and all other protected classes under the Fair Housing Act. (3) Privacy protections.--The Secretary shall establish appropriate measures regarding information in the database to ensure that, subject to paragraph (3), the privacy of the individuals and households is protected and that any personally identifiable information is not disclosed, including by redacting all names. (4) Research.--The Secretary may make full and unredacted information available to academic institutions for the purpose of researching causes and solutions to evictions and adherence to civil rights protections. SEC. 3. EVICTION PROTECTION GRANT PROGRAM. (a) Establishment.--The Secretary shall establish a grant program to award competitive grants to eligible entities as described in this section. (b) Eligibility.--To be eligible for a grant under this section, an entity shall be a nonprofit or government entity. (c) Eligible Uses.--An entity that is awarded a grant under this section shall use such grant to provide legal assistance (including assistance related to pretrial activities, trial activities, post-trial activities and alternative dispute resolution) at no cost to eligible low-income tenants at risk of or subject to eviction. (d) Priority.--In awarding grants under this section, the Secretary shall give preference to eligible entities that-- (1) include a marketing strategy for residents of areas with high rates of eviction; (2) have experience providing no-cost legal assistance to low-income individuals, including those with limited English proficiency or disabilities; and (3) have sufficient capacity to administer such assistance. (e) Use in Urban and Rural Areas.--The Secretary shall ensure, to the extent practicable, that the proportion of tenants living in rural areas who will receive legal assistance with grant amounts under this section is not less than the overall proportion of tenants who live in rural areas. (f) Authorization of Appropriations.--There is authorized to be appropriated to the Secretary such sums as needed for-- (1) grants under this section; and (2) assistance under the emergency solutions grants program under subtitle B of title IV of the McKinney-Vento Homeless Assistance Act (42 U.S.C. 11371 et seq.), to be used only for-- (A) providing legal counsel for tenants subject to or at risk of eviction with regard to any eviction related legal proceeding; and (B) costs of any court fees associated with an eviction-related legal proceeding for a tenant (excluding any attorneys fees for the attorney of the landlord of the tenant). SEC. 4. CONSUMER REPORTS. (a) In General.--Section 605(a) of the Fair Credit Reporting Act (15 U.S.C. 1681c(a)) is amended by adding at the end the following: ``(9) An eviction, or any information related to an eviction or a proceeding seeking eviction, of a consumer from a rental dwelling. ``(10) Any adverse item of information related to rent or utility arrears.''. (b) Applicability.--The amendment made by this section shall apply to any consumer report (as defined in section 603 of the Fair Credit Reporting Act (15 U.S.C. 1681a)) issued on or after the date of the enactment of this Act. SEC. 5. EVICTION INFORMATION. (a) In General.--The Secretary shall, not later than 1 year after the date of the enactment of this Act, issue rules that require each owner of a covered federally assisted rental dwelling unit to ensure that each tenant of such dwelling unit owned by such owner receives information, in writing-- (1) not less than once each year regarding-- (A) the rights and responsibilities of such owner with regard to eviction; and (B) local organizations and resources that can provide assistance in eviction-related matters; (2) upon provision of any notice of eviction, stating the reason or reasons for the eviction; and (3) all notices given shall clarify that rights and responsibilities of tenants are subject to State and local law. (b) Hotline.--The Secretary shall, not later than 1 year after the date of the enactment of this Act, establish a hotline to provide assistance with regard to eviction-related matters to tenants of covered federally assisted rental dwelling units. The Secretary shall establish guidance to ensure that the hotline is visible, promoted to consumers, is accessible in English and other languages, has accommodations for those who have disabilities, and maintains adequate staff to match the volume of calls to the hotline. Assistance must direct callers to available resources, including legal aid, and make callers aware of their rights and responsibilities as tenants. SEC. 6. DEFINITIONS. In this Act: (1) Assistance.--The term ``assistance'' means any grant, loan, subsidy, contract, cooperative agreement, or other form of financial assistance, but such term does not include the insurance or guarantee of a loan, mortgage, or pool of loans or mortgages. (2) Covered federally assisted rental dwelling unit.--The term ``covered federally assisted rental dwelling unit'' means a residential dwelling unit that-- (A) is made available for rental; and (B)(i) for which assistance is provided, or that is part of a housing project for which assistance is provided, under any program administered by the Secretary of Housing and Urban Development, including-- (I) the public housing program under the United States Housing Act of 1937 21 (42 U.S.C. 1437 et seq.); (II) the program for rental assistance under section 8 of the United States Housing Act of 1937 (42 U.S.C. 1437f); (III) the HOME Investment Partnerships program under title II of the Cranston-Gonzalez National Affordable Housing Act (42 U.S.C. 12721 et seq.); (IV) title IV of the McKinney-Vento Homeless Assistance Act (42 U.S.C. 11360 et seq.); (V) the Housing Trust Fund program under section 1338 of the Housing and Community Development Act of 1992 (12 U.S.C. 4568); (VI) the program for supportive housing for the elderly under section 202 of the Housing Act of 1959 (12 U.S.C. 1701q); (VII) the program for supportive housing for persons with disabilities under section 811 of the Cranston- Gonzalez National Affordable Housing Act (42 U.S.C. 8013); (VIII) the AIDS Housing Opportunities program under subtitle D of title VIII of the Cranston-Gonzalez National Affordable Housing Act (42 U.S.C. 12901 et seq.); (IX) the program for Native American housing under the Native American Housing Assistance and Self- Determination Act of 1996 (25 U.S.C. 4101 et seq.); and (X) the program for housing assistance for Native Hawaiians under title VIII of the Native American Housing Assistance and Self- Determination Act of 1996 7 (25 U.S.C. 4221 et seq.); or (ii) is a property, or is on or in a property, that has a federally backed mortgage loan or federally backed multifamily mortgage loan, as 11 such terms are defined in section 4024(a) of the CARES Act (15 U.S.C. 9058(a)). (3) Covered housing.--The term ``covered housing'' means a dwelling unit assisted with amounts made available, or a loan or mortgage made, insured, or guaranteed, under any of the following programs: (A) The programs for tenant- and project-based rental assistance under section 8 of the United States Housing Act of 1937 (42 U.S.C. 21 1437f). (B) The program for public housing under the United States Housing Act of 1937 (42 24 U.S.C. 1437 et seq.). (C) The program for supportive housing for the elderly under section 202 of the Housing Act of 1959 (12 U.S.C. 1701q). (D) The program for supportive housing for persons with disabilities under section 811 of the Cranston- Gonzalez National Affordable Housing Act (42 U.S.C. 8013). (E) The community development block grant program under title I of the Housing and Community Development Act of 1974 (42 11 U.S.C. 5301 et seq.). (F) The HOME Investment Partnerships program under titles I and II of the Cranston-Gonzalez National Affordable Housing Act (42 U.S.C. 12704 et seq.). (G) The program for housing opportunities for persons with AIDS under subtitle D of title VIII of the Cranston-Gonzalez National Affordable Housing Act (42 U.S.C. 12901 et seq.). (H) The programs for homeless assistance under title IV of the Mckinney-Vento Homeless Assistance Act (42 U.S.C. 11361 et seq.). (4) Covered housing assistance.--The term ``covered housing assistance'' means assistance under any program specified in paragraph (3). (5) Legal counsel.--The term ``legal counsel'' means full representation by an attorney throughout proceedings in issue. (6) Owner.--For the purposes of this Act, the term ``owner'' means any private person or entity, including a cooperative, an agency of the Federal Government, or a public housing agency, having the legal right to lease or sublease dwelling units. (7) Secretary.--The term ``Secretary'' means Secretary of Housing and Urban Development. <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\": \"Ustawa o pomocy w sytuacjach kryzysowych związanych z eksmisją (HELP Act 2026)\",\n  \"pl_summary\": \"Ustawa ma na celu ochronę lokatorów przed eksmisją poprzez zapewnienie bezpłatnej pomocy prawnej oraz zakaz umieszczania informacji o eksmisjach w raportach kredytowych. Wprowadza również ogólnokrajową bazę danych o eksmisjach i infolinię wsparcia dla najemców mieszkań dotowanych przez państwo.\",\n  \"pl_key_points\": [\n    \"Bezpłatna pomoc prawna dla osób o niskich dochodach zagrożonych eksmisją.\",\n    \"Zakaz wpisywania eksmisji i zaległości czynszowych do raportów kredytowych konsumentów.\",\n    \"Utworzenie ogólnokrajowej infolinii wsparcia dla lokatorów w sprawach eksmisyjnych.\",\n    \"Obowiązek pisemnego informowania najemców o ich prawach oraz konkretnych przyczynach eksmisji.\",\n    \"Stworzenie bezpiecznej bazy danych monitorującej skalę i przyczyny eksmisji w całym kraju.\"\n  ],\n  \"eng_ai_title\": \"Housing Emergencies Lifeline Program Act of 2026 (HELP Act)\",\n  \"eng_summary\": \"This act protects tenants by providing free legal aid for those facing eviction and banning eviction history from credit reports. It also creates a national eviction database and a support hotline for residents of federally assisted housing.\",\n  \"eng_key_points\": [\n    \"Free legal assistance for low-income tenants at risk of losing their homes.\",\n    \"Ban on including eviction records or rent arrears in consumer credit reports.\",\n    \"Creation of a national hotline to help tenants understand their rights and find resources.\",\n    \"Requirement for landlords to provide written reasons for eviction and info on local aid.\",\n    \"New national database to track eviction trends while protecting individual tenant privacy.\"\n  ],\n  \"de_ai_title\": \"Gesetz zur Unterstützung in Wohnnotfällen 2026 (HELP Act)\",\n  \"de_summary\": \"Dieses Gesetz schützt Mieter durch kostenlose Rechtshilfe bei drohenden Räumungen und verbietet die Aufnahme von Räumungsinformationen in Kreditauskünfte. Zudem werden eine nationale Räumungsdatenbank und eine Unterstützungs-Hotline für Bewohner staatlich geförderter Wohnungen eingerichtet.\",\n  \"de_key_points\": [\n    \"Kostenlose rechtliche Unterstützung für einkommensschwache Mieter bei Räumungsverfahren.\",\n    \"Verbot der Speicherung von Räumungen oder Mietrückständen in Verbraucherberichten.\",\n    \"Einrichtung einer nationalen Hotline für Mieterrechte und rechtliche Beratung.\",\n    \"Verpflichtung für Vermieter, Räumungsgründe und Hilfsangebote schriftlich mitzuteilen.\",\n    \"Aufbau einer Datenbank zur Analyse von Räumungsursachen unter Wahrung des Datenschutzes.\"\n  ],\n  \"fr_ai_title\": \"Loi de 2026 sur l'aide d'urgence au logement (HELP Act)\",\n  \"fr_summary\": \"Cette loi protège les locataires en offrant une aide juridique gratuite contre l'expulsion et en interdisant de mentionner les expulsions dans les rapports de solvabilité. Elle crée également une base de données nationale et une ligne d'assistance pour les résidents de logements sociaux.\",\n  \"fr_key_points\": [\n    \"Aide juridique gratuite pour les locataires à faible revenu risquant l'expulsion.\",\n    \"Interdiction d'inclure les expulsions ou les impayés de loyer dans les dossiers de crédit.\",\n    \"Création d'une ligne téléphonique nationale d'assistance pour informer les locataires sur leurs droits.\",\n    \"Obligation pour les propriétaires de fournir par écrit les motifs d'expulsion et les recours possibles.\",\n    \"Mise en place d'une base de données nationale pour suivre et prévenir les expulsions.\"\n  ],\n  \"es_ai_title\": \"Ley de Ayuda para Emergencias de Vivienda de 2026 (HELP Act)\",\n  \"es_summary\": \"Esta ley protege a los inquilinos al brindar asistencia legal gratuita contra desalojos y prohibir que los antecedentes de desalojo aparezcan en los informes de crédito. También establece una base de datos nacional y una línea de ayuda para residentes de viviendas con apoyo federal.\",\n  \"es_key_points\": [\n    \"Asistencia legal gratuita para inquilinos de bajos ingresos en riesgo de desalojo.\",\n    \"Prohibición de incluir desalojos o deudas de alquiler en los informes de crédito del consumidor.\",\n    \"Creación de una línea telefónica nacional de ayuda para informar a los inquilinos sobre sus derechos.\",\n    \"Obligación de los propietarios de entregar por escrito los motivos del desalojo y recursos de ayuda.\",\n    \"Nueva base de datos nacional para monitorear las causas de los desalojos y proteger la privacidad.\"\n  ],\n  \"it_ai_title\": \"Legge del 2026 sugli aiuti d'emergenza per l'alloggio (HELP Act)\",\n  \"it_summary\": \"Questa legge tutela gli inquilini offrendo assistenza legale gratuita contro lo sfratto e vietando l'inserimento dei dati sugli sfratti nei rapporti di solvibilità creditizia. Prevede inoltre una banca dati nazionale e un numero verde di supporto per chi vive in alloggi sovvenzionati.\",\n  \"it_key_points\": [\n    \"Assistenza legale gratuita per inquilini a basso reddito a rischio di sfratto.\",\n    \"Divieto di includere sfratti o arretrati di affitto nei rapporti di credito ai consumatori.\",\n    \"Istituzione di un numero verde nazionale per assistere gli inquilini sui propri diritti.\",\n    \"Obbligo per i proprietari di comunicare per iscritto i motivi dello sfratto e le risorse disponibili.\",\n    \"Creazione di un database nazionale per monitorare il fenomeno degli sfratti e le loro cause.\"\n  ],\n  \"nl_ai_title\": \"Wet op noodhulp bij huisvesting 2026 (HELP Act)\",\n  \"nl_summary\": \"Deze wet beschermt huurders door gratis rechtsbijstand te bieden bij dreigende huisuitzetting en verbiedt het vermelden van uitzettingen in kredietrapporten. Ook komt er een nationale database en een hulplijn voor bewoners van gesubsidieerde woningen.\",\n  \"nl_key_points\": [\n    \"Gratis juridische hulp voor huurders met lage inkomens die dreigen hun huis te verliezen.\",\n    \"Verbod op het opnemen van huisuitzettingen of huurachterstanden in consumentenrapporten.\",\n    \"Oprichting van een nationale hulplijn voor informatie over huurrechten en bijstand.\",\n    \"Verplichting voor verhuurders om schriftelijke redenen voor uitzetting en hulpmiddelen te verstrekken.\",\n    \"Nieuwe nationale database om de oorzaken van huisuitzettingen in kaart te brengen.\"\n  ],\n  \"pt_ai_title\": \"Lei de Auxílio a Emergências de Habitação de 2026 (HELP Act)\",\n  \"pt_summary\": \"Esta lei protege os inquilinos ao oferecer assistência jurídica gratuita contra despejos e proibir que informações de despejo constem em relatórios de crédito. Estabelece também uma base de dados nacional e uma linha de apoio para residentes de habitações subsidiadas.\",\n  \"pt_key_points\": [\n    \"Assistência jurídica gratuita para inquilinos de baixa renda em risco de despejo.\",\n    \"Proibição de incluir despejos ou dívidas de aluguel em relatórios de crédito ao consumidor.\",\n    \"Criação de uma linha direta nacional para orientar inquilinos sobre os seus direitos.\",\n    \"Obrigatoriedade de os senhorios fornecerem por escrito os motivos do despejo e recursos de apoio.\",\n    \"Nova base de dados nacional para monitorizar as causas dos despejos e proteger a privacidade.\"\n  ],\n  \"category\": [\n    \"Courts and Law\",\n    \"Real Estate\",\n    \"Benefits\"\n  ]\n}"
    }
  ]
}