Under-Banked and Un-Banked Consumers. Subtitle I—Fair Lending For All Sec. 40901. Short title. Sec. 40902. Office of Fair Lending Testing. Sec. 40903. Prohibition on credit discrimination. Sec. 40904. Criminal penalties for violations of the Equal Credit Opportunity Act. Sec. 40905. Review of loan applications. Sec. 40906. Mortgage data collection. Subtitle J—LEP Data Acquisition in Mortgage Lending Sec. 41001. Short title. Sec. 41002. Preferred language question. Subtitle K—Housing, Opportunity, Mobility and Equity Sec. 41101. Short title. Sec. 41102. Requirement for CDBG grantees. Sec. 41103. Refundable credit for rent costs of eligible individuals. Sec. 41104. Refund to Rainy Day Savings Program. Subtitle L—Lead-Safe Housing For Kids Sec. 41201. Short title. Sec. 41202. Amendments to the Lead-Based Paint Poisoning Prevention Act. Sec. 41203. Authorization of appropriations. Subtitle M—GROW Affordable Housing Sec. 41301. Short titles. Sec. 41302. Affordable housing allocations. Subtitle N—Expanding Opportunity for MDIs Sec. 41401. Short title. Sec. 41402. Establishment of Financial Agent Mentor-Protégé Program. Subtitle O—Closing the Racial Wealth Gap Sec. 41501. Short title. Sec. 41502. Findings. Sec. 41503. Data collection on race and wealth. Subtitle P—Housing Financial Literacy Sec. 41601. Short title. Sec. 41602. Discount on mortgage insurance premium payments for first-time homebuyers who complete financial literacy housing counseling programs. Subtitle Q—Rent Relief Sec. 41701. Short title. Sec. 41702. Refundable credit for rent paid for principal residence. Subtitle R—Safe Housing For Families Sec. 41801. Short title. Sec. 41802. Carbon monoxide detectors in federally assisted housing. Subtitle S—COVID–19 Mortgage Relief Sec. 41901. Mortgage relief. Subtitle T—Improving FHA Support for Small Dollar Mortgages Act Sec. 42001. Short title. Sec. 42002. Review of FHA small-dollar mortgage practices. Subtitle U—Rental Eviction Moratorium Sec. 42101. Short title. Sec. 42102. Temporary moratorium on eviction