; (2) direct services, including the full range of services provided by housing counselors to assist homeowners, renters, individuals experiencing homelessness, and individuals at risk of homelessness, including the practices, tools, and innovations in foreclosure mitigation that were utilized in the National Foreclosure Mitigation Counseling Program, and financial capability, credit counseling, homeless counseling, and rental counseling; (3) equipment and technology, including broad­band internet and equipment upgrades needed to ensure timely and effective service delivery; and (4) training, including capacitating housing counseling staff in various modes of counseling, including rental and foreclosure, delivery of remote counseling utilizing improved technology, enhanced network security, and supportive options for the delivery of client services; all of which may be billed as direct costs. (d) Disbursement The Corporation shall disburse all amounts made available pursuant to subsection (a) as expeditiously as possible, through grants to housing counseling intermediaries approved by the Department of Housing and Urban Development, State housing finance agencies, and NeighborWorks organizations. The aggregate amount provided to NeighborWorks organizations shall not exceed 15 percent of the total amounts made available pursuant to subsection (a).