; (4) although the FHA’s mission is to serve creditworthy borrowers who are underserved, according to the Urban Institute the FHA serves 24 percent of the overall market, but only 19 percent of the small-dollar mortgage market; and (5) the FHA should play a greater role in supporting affordable homeownership opportunities by reducing barriers to small-dollar lending, as is consistent with the Department of Housing and Urban Development’s mission, including meeting the housing needs of borrowers the program is designed to serve and protecting the solvency of the Mutual Mortgage Insurance Fund. (b) Review The Secretary of Housing and Urban Development shall conduct a review of its FHA single-family mortgage insurance policies, practices, and products to identify any barriers or impediments to supporting, facilitating, and making available mortgage insurance for mortgages having an original principal obligation of $70,000 or less. Not later than the expiration of the 12-month period beginning on the date of the enactment of this Act, the Secretary shall submit a report to the Congress describing the findings of such review and the actions that the Secretary will take to remove such barriers and impediments to providing mortgage insurance for such mortgages without adversely affecting the solvency of the Mutual Mortgage Insurance Fund.