; Public Law 95–588 ); or (B) that has an income that, as determined by the State in which such household is located, does not exceed the greater of— (i) an amount equal to 150 percent of the poverty level for such State; and (ii) an amount equal to 60 percent of the median income for such State. (2) Property The term property means land, including an estate or interest in land, including an easement or right of way in land. (f) Authorization of appropriations In addition to any amounts otherwise authorized to be appropriated for such purpose, there is authorized to be appropriated $20,000,000 for each of fiscal years 2022 through 2028 to carry out this section. . (b) Clerical amendment The table of contents in section 1(b) of the Homeland Security Act of 2002 is amended by inserting after the item relating to section 890A the following new item: Sec. 890B. Defense fund for private landowners. . M Examining Educational Redlining and Lending Act 21301. Short title This subtitle may be cited as the Examining Educational Redlining in Lending Act . 21302. Assessment of certain educational data (a) Assessment Not later than 180 days after the date of the enactment of this Act and annually thereafter, the Bureau of Consumer Financial Protection (referred to in this section as the Bureau ) shall, in coordination with relevant executive agencies and national civil rights stakeholders, assess— (1) the use of certain educational data by covered persons in determining the creditworthiness of an applicant; (2) the use of an underwriting process that involves gathering data points and creating applicant profiles, including automated or algorithmic processes, and the risks of such use, by covered persons to determine the creditworthiness of an applicant