; and (2) ending not earlier than 2 years after that date of enactment. 3. Farm loan reform (a) In general Subtitle D of the Consolidated Farm and Rural Development Act is amended by inserting after section 374 ( 7 U.S.C. 2008i ) the following: 375. Farm loan reform (a) Definitions In this section: (1) Adverse decision The term adverse decision has the meaning given the term in section 271 of the Department of Agriculture Reorganization Act of 1994 ( 7 U.S.C. 6991 ). (2) Farm loan The term farm loan means a loan administered by the Farm Service Agency under subtitle A or B. (3) Principal residence The term principal residence means the principal residence of a borrower of a farm loan, including adjoining land of not more than 10 acres. (b) Determination letters and adverse decisions (1) In general In the case of any adverse decision relating to a farm loan, a Farm Service Agency program benefit, or the noninsured crop disaster assistance program established by section 196 of the Federal Agriculture Improvement and Reform Act of 1996 ( 7 U.S.C. 7333 ), the Secretary shall include in a determination letter provided to the applicant, to the maximum extent practicable— (A) a description of each reason known, or that reasonably should have been known, to the Secretary for that adverse decision; (B) a reference to each regulation, and Farm Loan Program handbook instruction, with the maximum practicable specificity, that forms the basis for each reason described in subparagraph (A)