; (B) is made with respect to an individual loan, including loan level certification; and (C) influenced the Government’s insurance or guaranty, or payment of money or property, based on the proper application of the applicable Government program requirements in connection with such individual claim. . II Increased Housing and Urban Development Clarity and Enforcement 201. Report and Study on defect taxonomy The Secretary of Housing and Urban Development shall, not later than 90 days after the date of enactment, complete a study and report to the Committee on Financial Services of the House of Representatives and the Committee on Banking, Housing, and Urban Affairs of the Senate on the authority and funding needed to ensure enforcement and educational and outreach effort regarding the Single Family Housing Loan Quality Assessment Methodology (in this Act referred to as the defect taxonomy ). 202. Guidance The Secretary of Housing and Urban Development shall publish guidance to clarify the remedy and enforcement procedures for mortgage defects related to the loan-level mortgagee and underwriter certifications on the HUD Addendum to Uniform Residential Loan Application and the Direct Endorsement Approval for a HUD/FHA–Insured Mortgage in accordance with the defect taxonomy. Such guidance shall include an effective date for such procedures to take effect within a reasonable amount of time after publication, but not later than 6 months after the effective date of this legislation. 203. Report on effects of actions Not later than 180 days after the issuance of guidance under section 202, the Secretary of Housing and Urban Development shall complete a study and submit a report to the committees referred to in section 201 on the effects of any actions taken by the Secretary with regard to— (1) attracting private capital back to the Federal Housing Administration market