“ FINANCING OPTIONS— Assistance provided under this section by the Entity may be provided only for programs for financing solar and renewable energy capital investments and projects, which may include programs for making loans, making grants, reducing the principal obligations of loans, prepayment of interest on loans, purchase and sale of loans and advances of credit, providing loan guarantees, providing loan downpayment assistance, and providing rebates and other incentives for the purchase and installation of solar and renewable energy measures. ”

“ PROHIBITION AGAINST FRAUDULENT USE OF `MADE IN AMERICA' LABELS— A person shall not intentionally affix a label bearing the inscription of `Made in America', or any inscription with that meaning, to any product sold in or shipped to the United States, if that product is not a domestic product. ”

“ QUALIFYING ACTIVITIES— An insured depository institution shall be eligible for any community enterprise assessment credit for any semiannual period for— `` (A) the amount, during such period, of new originations of qualified loans and other financial assistance provided for low- and moderate-income persons in distressed communities, or enterprises integrally involved with such neighborhoods, which the Board determines are qualified to be taken into account for purposes of this subsection ”

“ The term ``fair housing enforcement organization ́ ́ means any organization that— `` (A) meets the requirements specified in paragraph (1) (A) ; `` (B) is currently engaged in the activities specified in paragraph (1) (B) ; `` (C) upon the receipt of funds under this section will become engaged in all of the activities specified in paragraph (1) (B) ; and `` (D) for purposes of funding under subsection (b) , has at least 1 year of experience in the activities specified in paragraph (1) (B) . ”

“ ELIGIBILITY REQUIREMENTS— For purposes of this subsection, an area meets the requirements of this paragraph if the following criteria are met: `` (A) At least 30 percent of the residents residing in the area have incomes which are less than the national poverty level. `` (B) The unemployment rate for the area is 1 1/2 times greater than the national average (as determined by the Bureau of Labor Statistics' most recent figures) . `` (C) Such additional eligibility requirements as the Board may, in its discretion, deem necessary to carry out the provisions of this subtitle. ”

“ Floodplain management criteria for such communities shall not require the elevation of improvements to existing structures and shall not exceed 3 feet above existing grade for new construction, provided the base flood elevation based on the disaccredited flood control system does not exceed five feet above existing grade, or the remaining new construction in such communities is limited to infill sites, rehabilitation of existing structures, or redevelopment of previously developed areas. ”

“ PROHIBITION ON USE OF `RULE OF 78's' IN CONNECTION WITH MORTGAGE REFINANCINGS AND OTHER CONSUMER LOANS. (a) PROMPT REFUND OF UNEARNED INTEREST REQUIRED— (1) IN GENERAL— If a consumer prepays in full the financed amount under any consumer credit transaction, the creditor shall promptly refund any unearned portion of the interest charge to the consumer. (2) EXCEPTION FOR REFUND OF DE MINIMUS AMOUNT— No refund shall be required under paragraph (1) with respect to the prepayment of any consumer credit transaction if the total amount of the refund would be less than $1. ”

“ PERSONNEL— In addition to the executive director, the Commission may appoint and fix the compensation of such personnel as the Commission deems advisable, in accordance with the provisions of title 5, United States Code, governing appointments to the competitive service, and the provisions of chapter 51 and subchapter III of chapter 53 of such title, relating to classification and General Schedule pay rates. ”

“ EXEMPTION— Subparagraph (A) shall not apply to any individual who— `` (i) performs services for which the individual volunteered; `` (ii) (I) does not receive compensation for such services; or `` (II) is paid expenses, reasonable benefits, or a nominal fee for such services; and `` (iii) is not otherwise employed at any time in the construction work. ”

“ The Secretary shall evaluate alternatives to foreclosure based on fairness of the procedures to the homeowner and reducing adverse effects on the mortgage lending system. (b) REPORT— Not later than March 1, 1993, the Secretary shall submit a report to the Congress regarding the results of the study conducted under subsection (a) . ”

“ In conducting the study, the Secretary— (1) may consult with any appropriate Federal agencies that make, insure, or guarantee mortgage loans relating to 1- to 4-family dwellings and with the Federal National Mortgage Association, the Federal Home Loan Mortgage Corporation, the Government National Mortgage Association, and the Federal Agricultural Mortgage Corporation; and (2) shall review and assess the adequacy, with respect to providing alternatives to foreclosure, of— (A) the temporary mortgage assistance payments program authorized under section 230 of the National Housing Act ”