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12 U.S.C. § 1715z–10 — Increasing access and understanding of energy efficient mortgages
Federal law — U.S. Code and appendices · legal_authorities
**(a) Definition** As used in this section, the term “energy efficient mortgage” has the same meaning as given that term in paragraph (24) of [section 12704 of title 42](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title42-section12704&num=0&edition=prelim).
**(b) Recommendations to eliminate barriers to use of energy efficient mortgages**
(1) **In general** — Not later than 180 days after July 30, 2008, the Secretary of Housing and Urban Development, in conjunction with the Secretary of Energy and the Administrator of the Environmental Protection Agency, shall consult with the residential mortgage industry and States to develop recommendations to eliminate the barriers that exist to increasing the availability, use, and purchase of energy efficient mortgages, including such barriers as—
(A) the lack of reliable and accessible information on such mortgages, including estimated energy savings and other benefits of energy efficient housing;
(B) the confusion regarding underwriting requirements and differences among various energy efficient mortgage programs;
(C) the complex and time consuming process of securing such mortgages;
(D) the lack of publicly available research on the default risk of such mortgages; and
(E) the availability of certified or accredited home energy rating services.
(2) **Report to Congress** — The Secretary of Housing and Urban Development shall submit a report to Congress that—
(A) summarizes the recommendations developed under paragraph (1); and
(B) includes any recommendations for statutory, regulatory, or administrative changes that the Secretary deems necessary to institute such recommendations.
**(c) Energy efficient mortgages outreach campaign**
(1) **In general** — The Secretary of Housing and Urban
Source: Supplied U.S. Code snapshot — release unconfirmed · 12 U.S.C. § 1715z–10
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Source file: Laws/federal/codes/united-states-code/title-12/section-1715z10-increasing-access-and-understanding-of-energy-efficient-mortgages--af640cc523.md
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Source location: Title 12, Chapter 13, § 1715z–10; chapter-013-national-housing.md
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**(a) Definition** As used in this section, the term “energy efficient mortgage” has the same meaning as given that term in paragraph (24) of [section 12704 of title 42](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title42-section12704&num=0&edition=prelim).
**(b) Recommendations to eliminate barriers to use of energy efficient mortgages**
(1) **In general** — Not later than 180 days after July 30, 2008, the Secretary of Housing and Urban Development, in conjunction with the Secretary of Energy and the Administrator of the Environmental Protection Agency, shall consult with the residential mortgage industry and States to develop recommendations to eliminate the barriers that exist to increasing the availability, use, and purchase of energy efficient mortgages, including such barriers as—
(A) the lack of reliable and accessible information on such mortgages, including estimated energy savings and other benefits of energy efficient housing;
(B) the confusion regarding underwriting requirements and differences among various energy efficient mortgage programs;
(C) the complex and time consuming process of securing such mortgages;
(D) the lack of publicly available research on the default risk of such mortgages; and
(E) the availability of certified or accredited home energy rating services.
(2) **Report to Congress** — The Secretary of Housing and Urban Development shall submit a report to Congress that—
(A) summarizes the recommendations developed under paragraph (1); and
(B) includes any recommendations for statutory, regulatory, or administrative changes that the Secretary deems necessary to institute such recommendations.
**(c) Energy efficient mortgages outreach campaign**
(1) **In general** — The Secretary of Housing and Urban Development, in consultation and coordination with the Secretary of Energy, the Administrator of the Environmental Protection Agency, and State Energy and Housing Finance Directors, shall carry out an education and outreach campaign to inform and educate consumers, home builders, residential lenders, and other real estate professionals on the availability, benefits, and advantages of—
(A) improved energy efficiency in housing; and
(B) energy efficient mortgages.
(2) **Authorization of appropriations** — There are authorized to be appropriated such sums as are necessary to carry out the education and outreach campaign described under paragraph (1).
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Federal law — U.S. Code and appendices · legal_authorities
As used in this subchapter and in subchapter II:
(1) The term “unit of general local government” means a city, town, township, county, parish, village, or other general purpose political subdivision of a State; the Federated States of Micronesia and Palau, the Marshall Islands, or a general purpose political subdivision thereof; a consortium of such political subdivisions recognized by the Secretary in accordance with [section 12746(2) of this title](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title42-section12746/2&num=0&edition=prelim); and any agency or instrumentality thereof that is established pursuant to legislation and designated by the chief executive to act on behalf of the jurisdiction with regard to provisions of this Act.
(2) The term “State” means any State of the United States, the District of Columbia, the Commonwealth of Puerto Rico, or any agency or instrumentality thereof that is established pursuant to legislation and designated by the chief executive officer to act on behalf of the State with regard to the provisions of this Act.
(3) The term “jurisdiction” means a State or unit of general local government.
(4) The term “participating jurisdiction” means any State or unit of general local government that has been so designated in accordance with [section 12746 of this title](https://uscode.house.gov/view.xhtml?req=granuleid:USC-prelim-title42-section12746&num=0&edition=prelim).
(5) The term “nonprofit organization” means any private, nonprofit organization (including a State or locally chartered, nonprofit organization) that—
(A) is organized under State or local laws,
(B) has no part of its net earnings inuring to the benefit of any member, founder, contributor, or individual,
(C) complies with standards of financial
Source: Supplied U.S. Code snapshot — release unconfirmed · 42 U.S.C. § 12704
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