; table of contents. Sec. 2. Findings. Sec. 3. Definitions. Title I—Homeownership Sec. 101. Direct down payment assistance. Sec. 102. Mortgage interest tax credit. Sec. 103. Positive rental history credit enhancement. Sec. 104. Individual development accounts. Sec. 105. Shared equity homeownership initiative. Sec. 106. National right of first refusal. Sec. 107. No cause evictions. Sec. 108. Right to Counsel. Sec. 109. Landlord guarantee program. Sec. 110. Including all forms of housing in HUD consolidated plan. Sec. 111. Prohibiting discrimination against voucher holders. Sec. 112. Fair market rent appeal. Sec. 113. Office of restorative housing justice. Title II—Construction and Preservation Sec. 201. Housing Trust Fund. Sec. 202. Rural housing trust fund construction of USDA multifamily housing for low-income families. Sec. 203. Strategy and investment in rural housing. Sec. 204. Manufactured housing preservation strategy and investment. Sec. 205. Community energy savings program. Title III—Housing Assistance for Homeless and Low-Income Families Sec. 301. Increasing direct rental assistance. Sec. 302. Supportive tiny housing village innovation pilot program. Sec. 303. Permanent supportive housing. Sec. 304. Navigation center pilot program. Title IV—Housing and Homelessness Innovation Sec. 401. Housing and homelessness innovation research centers. 2. Findings Congress finds the following: (1) The United States is experiencing an ongoing affordable housing crisis that the Federal Government has failed to adequately or proportionately address. The Harvard Housing Center found that about half of all renters in the United States spent more than 30 percent of their incomes on rent and utilities, while 1 in 4 renters spent more than half their incomes on housing in 2018. Although developers have increased new home construction in recent years, the impacts of increased supply have not alleviated pricing pressures evenly across income distributions. Often, housing developers focus new development on the most profitable