; and (4) achieving other environmental, public health, and community goals. . 5. Financial capability guidance (a) Definitions In this section: (1) Affordability The term affordability means, with respect to payment of a utility bill, a measure of whether an individual customer or household can pay the bill without undue hardship or unreasonable sacrifice in the essential lifestyle or spending patterns of the individual or household, as determined by the Administrator. (2) Financial capability The term financial capability means the financial capability of a community to make investments necessary to make water quality or drinking water improvements. (3) Guidance The term guidance means the guidance published by the Administrator entitled Combined Sewer Overflows—Guidance for Financial Capability Assessment and Schedule Development and dated February 1997, as applicable to the combined sewer overflows and sanitary sewer overflows guidance published by the Administrator entitled Financial Capability Assessment Framework and dated November 24, 2014. (b) Use of median household income The Administrator shall not use median household income as the sole indicator of affordability for a residential household. (c) Revised guidance (1) In general Not later than 1 year after the date of completion of the National Academy of Public Administration study to establish a definition and framework for community affordability required by Senate Report 114–70, accompanying S. 1645 (114th Congress), the Administrator shall revise the guidance described in subsection (a)(3). (2) Use of guidance Beginning on the date on which the revised guidance referred to in paragraph (1) is finalized, the Administrator shall use the revised guidance in lieu of the guidance described in subsection (a)(3). (d) Consideration and consultation (1) Consideration In revising the guidance, the Administrator shall consider— (A) the recommendations of the study referred to in subsection (c) and any other relevant study, as determined by the Administrator