this paragraph shall be used to provide, obtain, or arrange on behalf of a homeowner, legal representation involving or for the purposes of civil litigation. 40404. Incremental housing choice voucher assistance (a) Authorization of appropriations There is authorized to be appropriated for each of fiscal years 2022 through 2024 such sums as may be necessary to provide in each such fiscal year 20,000 incremental vouchers for rental assistance under section 8(o) of the United States Housing Act of 1937 ( 42 U.S.C. 1437f(o) ). (b) Eligible public housing agencies Any amounts appropriated pursuant to this section shall be used by the Secretary of Housing and Urban Development only to provide additional amounts for rental assistance vouchers for public housing agencies that administer 10,000 or more vouchers for rental assistance under such section 8(o). E FHA Alternative Credit Pilot Program Reauthorization 40501. Short title This subtitle may be cited as the FHA Alternative Credit Pilot Program Reauthorization Act of 2020 . 40502. Extension of pilot program Section 258(d) of the National Housing Act ( 12 U.S.C. 1715z–24(d) ) is amended by striking 5-year and inserting 14-year . F Housing Financial Literacy 40601. Short title This subtitle may be cited as the Housing Financial Literacy Act of 2020 . 40602. Discount on mortgage insurance premium payments for first-time homebuyers who complete financial literacy housing counseling programs The second sentence of subparagraph (A) of section 203(c)(2) of the National Housing Act ( 12 U.S.C. 1709(c)(2)(A) ) is amended by striking not exceed 2.75 percent of the amount of the original insured principal obligation of the mortgage and inserting be 25 basis points lower than the premium payment amount established by the Secretary under the first sentence of this subparagraph . G Young Americans Financial Literacy 40701. Short title This subtitle may be cited as the Young Americans Financial Literacy Act . 40702. Findings The Congress finds as follows: (1) That 87 percent of