; and (2) any monthly obligations of the mortgagor with respect to mortgage payments, insurance payment, and taxes for the property subject to the mortgage, income and other taxes, maintenance, and utility expenses for the property, child care expenses, auto, consumer, and any other debt obligations, alimony and child support expenses, and such other expenses as the FHA may provide. (c) Effective date This section shall take effect on the date of the enactment of this Act. During the transition period under section 551, any reference in this section to the FHA shall be construed to refer to the Secretary of Housing and Urban Development to the extent the Secretary has not delegated authority under this section to the FHA pursuant to section 552(1). 228. Effective date This subtitle and the amendments made by this subtitle (except for sections 224, 225, 226, and 227, and any amendments made by such sections) shall take effect upon the expiration of the transition period under section 661. C Miscellaneous 241. Rule of construction Notwithstanding any other evidence of the intent of the Congress, it is hereby declared to be the intent of Congress that the provisions of this title shall be construed broadly to achieve the purposes of the title, and the provisions of any other Act that must be construed with any provision of this title shall similarly be construed to achieve the purposes of this title to the extent reasonably possible. This section shall take effect on the date of the enactment of this Act. 242. Definitions For purposes of this title, the following definitions shall apply: (1) Board The term Board means the Board of Directors of the FHA established under section 524. (2) Director The term Director means the Director of the Federal Housing Finance Agency. (3) FHA The term FHA means the Federal Housing Administration established under this title. (4) First-time homebuyer The term first-time homebuyer means an individual who meets any of the following criteria: (A) An individual, and his or her spouse,