than 5 percent of mortgages securitized by the Federal Home Loan Mortgage Corporation or the Federal National Mortgage Association by 2024 factor borrower opt-in positive rental payment history in the credit rating and underwriting process with respect to those mortgages. 104. Individual development accounts (a) In general Section 416 of the Assets for Independence Act ( 42 U.S.C. 604 note) is amended by striking $25,000,000 for each of fiscal years 1999, 2000, 2001, 2002, and 2003, and inserting $100,000,000 for each of fiscal years 2021 through 2030, . (b) Set aside An amount equal to 10 percent of the funds appropriated under section 416 of the Assets for Independence Act ( 42 U.S.C. 604 note) in a fiscal year shall be set aside and transferred to the Restorative Housing Justice Fund established under section 113(h). 105. Shared equity homeownership initiative (a) Definitions In this section: (1) Eligible entity The term eligible entity means— (A) a participating jurisdiction