Relief and Credit Reform Sec. 30701. Short title. Sec. 30702. Expansion and improvement of earned income tax credit. Subtitle H—School Modernization and Efficient Access to Lunches for Students Sec. 30801. Short title. Sec. 30802. Expanding direct certification. Sec. 30803. Direct certification improvement grants and technical assistance. Sec. 30804. Enhancing the community eligibility option. Sec. 30805. Enhancing direct certification. Sec. 30806. State performance on enrolling children receiving program benefits for free school meals. Subtitle I—Protect SNAP Sec. 30901. Short title. Sec. 30902. Preventing the changing of regulations governing waivers under the supplemental nutrition assistance program. Sec. 30903. Restriction on Federal funds. Subtitle J—Protections Against Poverty Sec. 31001. Findings. Sec. 31002. Sense of the House of Representatives. Subtitle K—LIFT (Livable Incomes for Families Today) the Middle Class Sec. 31101. Short title. Sec. 31102. Establishment of middle class tax credit. Sec. 31103. Return preparation programs for low-income taxpayers. Sec. 31104. Sense of the House of Representatives. Subtitle L—Financial Inclusion in Banking Sec. 31201. Short title. Sec. 31202. Office of Community Affairs duties with respect to under-banked, un-banked, and underserved consumers. Sec. 31203. Discretionary surplus funds. Sec. 31204. Determination of Budgetary Effects. Subtitle M—Investing in State Energy Sec. 31301. Short title. Sec. 31302. Timing for distribution of certain financial assistance under the State energy program and the Weatherization Assistance Program. Subtitle N—Pathways Out of Poverty Sec. 31401. Findings. Sec. 31402. Definitions. Sec. 31403. Establishment of the Federal Interagency Working Group on Reducing Poverty. Sec. 31404. Appointment and responsibilities of the Director. Sec. 31405. Consultation. Sec. 31406. Reports to Congress and the public. Title IV—Housing and Asset Building Subtitle A—Affirming the right of all renters to a safe, affordable, and decent home