1. Short title This Act may be cited as the Helping Owners Meet Essential Standards Act of 2020 or the HOMES Act of 2020 . 2. Requirements for covered loan programs (a) Requirements No loan shall be eligible for insurance by the Secretary of Housing and Urban Development or purchase by an enterprise (as such term is defined in section 1303 of the Housing and Community Development Act of 1992 ( 12 U.S.C. 4502 )), as applicable, under a covered loan program (as such term is defined under section 4 of this Act) unless— (1) the borrower under the loan certifies to the Secretary or the applicable enterprise that the borrower will include, in any lease agreement for a pad site, or a pad site and manufactured home, located in any manufactured home community that the borrower or an affiliate of the borrower owns, the minimum consumer protections specified in subsection (b) of this section