; and (2) whether Single Family Housing Loan Quality Assessment Methodology adequately ensured the government has resources to prosecute and deter bad actors and protect consumers. 204. Additional guidance The Secretary of Housing and Urban Development shall publish guidance to ensure lenders are responsible for the taxonomy standards in effect at the time the standards were implemented by the Secretary. III Amendments to the Financial Institutions Reform, Recovery, and Enforcement Act of 1989 301. Amendments to the Financial Institutions Reform, Recovery, and Enforcement Act of 1989 Section 951(h) of the Financial Institutions Reform, Recovery, and Enforcement Act of 1989 ( 12 U.S.C. 1833a(h) ) is amended— (1) by striking A civil action and inserting the following: (1) In general Except as provided in paragraph (2), a civil action ; (2) by moving paragraph (1), as added by subsection (a), 2 ems to the right; and (3) by adding at the end the following: (2) Exception In the case of any action under this section arising from the Indian Home Loan Guarantee Program and the Native Hawaiian Housing Loan Guarantee Program or any program pertaining to residential mortgage loans insured or guaranteed by the Federal Housing Administration, the Department of Veterans Affairs or the Rural Housing Service of the Department of Agriculture, or any successor thereto, the action may not be commenced more than— (A) 6 years after the date on which the violation of this Act is committed, if such violation occurs in connection with obtaining government insurance or guaranty of a loan; or (B) 3 years after the date on which the violation of this Act is committed, if such violation occurs in connection with obtaining the payment of a claim for government insurance or guaranty benefits in respect of a loan, and, in each case, without explicit written consent from the Secretary responsible for the government guaranty or insurance program. .