; table of contents. Sec. 2. Definitions. TITLE I—Improving consumer access to mortgage credit Sec. 101. Minimum standards for residential mortgage loans. Sec. 102. Safeguarding access to habitat for humanity homes. Sec. 103. Exemption from appraisals of real property located in rural areas. Sec. 104. Home Mortgage Disclosure Act adjustment and study. Sec. 105. Credit union residential loans. Sec. 106. Eliminating barriers to jobs for loan originators. Sec. 107. Protecting access to manufactured homes. Sec. 108. Property Assessed Clean Energy financing. Sec. 109. Escrow requirements relating to certain consumer credit transactions. Sec. 110. No wait for lower mortgage rates. TITLE II—Regulatory relief and protecting consumer access to credit Sec. 201. Capital simplification for qualifying community banks. Sec. 202. Limited exception for reciprocal deposits. Sec. 203. Community bank relief. Sec. 204. Removing naming restrictions. Sec. 205. Short form call reports. Sec. 206. Option for Federal savings associations to operate as covered savings associations. Sec. 207. Small bank holding company policy statement. Sec. 208. Application of the Expedited Funds Availability Act. Sec. 209. Mutual holding company dividend waivers. Sec. 210. Small public housing agencies. Sec. 211. Examination cycle. Sec. 212. National securities exchange regulatory parity. TITLE III—Protections for veterans, consumers, and homeowners Sec. 301. Protecting consumers' credit. Sec. 302. Protecting veterans’ credit. Sec. 303. Immunity from suit for disclosure of financial exploitation of senior citizens. Sec. 304. Restoration of the Protecting Tenants at Foreclosure Act of 2009. Sec. 305. Remediating lead and asbestos hazards. TITLE IV—Tailoring regulations for certain bank holding companies Sec. 401. Enhanced supervision and prudential standards for certain bank holding companies. Sec. 402. Supplementary leverage ratio for custodial banks. Sec. 403. Treatment of certain municipal obligations. TITLE V—Studies Sec. 501. Treasury report on risks