and responsibilities of the Director. Sec. 31405. Consultation. Sec. 31406. Reports to Congress and the public. Title IV—Housing and Asset Building Subtitle A—Affirming the right of all renters to a safe, affordable, and decent home Sec. 40101. Findings. Sec. 40102. Sense of Congress. Subtitle B—Ending Homelessness Sec. 40201. Short title. Sec. 40202. Congressional findings. Sec. 40203. Emergency relief funding. Sec. 40204. Housing Trust Fund. Sec. 40205. Technical assistance funds to help states and local organizations align health and housing systems. Sec. 40206. Permanent authorization of appropriations for McKinney-Vento Homeless Assistance Act grants. Sec. 40207. Permanent extension of United States Interagency Council on Homelessness. Sec. 40208. Emergency designation. Subtitle C—Tenant Protection Sec. 40301. Short title. Sec. 40302. Tenant blacklisting. Subtitle D—Hardest Hit Housing Sec. 40401. Short title. Sec. 40402. Capital Fund amounts for large public housing agencies. Sec. 40403. Assistance to NeighborWorks for mortgage foreclosure mitigation activities. Sec. 40404. Incremental housing choice voucher assistance. Subtitle E—FHA Alternative Credit Pilot Program Reauthorization Sec. 40501. Short title. Sec. 40502. Extension of pilot program. Subtitle F—Housing Financial Literacy Sec. 40601. Short title. Sec. 40602. Discount on mortgage insurance premium payments for first-time homebuyers who complete financial literacy housing counseling programs. Subtitle G—Young Americans Financial Literacy Sec. 40701. Short title. Sec. 40702. Findings. Sec. 40703. Authorization for funding the establishment of centers of excellence in financial literacy education. Subtitle H—Improving Access to Traditional Banking Sec. 40801. Short title. Sec. 40802. Office for 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