; and (2) by adding the following new clauses: (iii) retirement savings accounts of disadvantaged owners; (iv) investments in real estate other than primary personal residences of disadvantaged owners; and (v) equity in businesses that are not certified under this subsection of disadvantaged owners. . (b) Rulemaking Not later than 1 year after the date of the enactment of this Act, the Administrator shall issue or amend such rules as are necessary to carry out the amendments made by subsection (a).