; (2) programs to purchase or rehabilitate vacant land and foreclosed homes to enhance neighborhood property values; and (3) loan programs to help underwater borrowers rehabilitate or conduct maintenance on their homes. (b) Formula The Secretary of Housing and Urban Development shall distribute amounts under this section based on the number of borrowers in the State with a primary residence with negative equity. (c) Authorization of appropriations There is authorized to be appropriated to carry out this section $2,000,000,000 for fiscal year 2019. 203. Strengthening the Community Reinvestment Act of 1977 (a) Short title This section may be cited as the Community Reinvestment Reform Act of 2018 . (b) Amendments to the Community Reinvestment Act of 1977 The Community Reinvestment Act of 1977 ( 12 U.S.C. 2901 et seq.) is amended— (1) by amending sections 802 and 803 ( 12 U.S.C. 2901 , 2902) to read as follows: 802. Findings and purpose (a) Findings Congress finds that— (1) regulated financial institutions are required by law to demonstrate that they serve the convenience and needs of the communities in which they are chartered or do business, in particular low- and moderate-income communities; (2) the convenience and needs of communities include the need for credit services, deposit services, transaction services, other financial services, and community development loans and investments