Home Company Lending Standards Commission (in this section referred to as the Commission ). (b) Duties (1) Proposed standards Not later than the expiration of the 12-month period beginning on the date of the enactment of this Act, the Commission shall submit to the Congress, the Secretary of Housing and Urban Development, and the Director of the Federal Housing Finance Agency a report that sets forth proposed consumer protection standards for the covered loan programs that— (A) are in addition to and provide greater protection than the requirements under section 2(b)