; and (B) include an explanation of the differences between those protections and the minimum consumer protections described in subsection (b). (e) Penalties (1) In general The Secretary and Director shall— (A) prohibit a borrower or an affiliate of the borrower from securing future federally backed financing or other housing-related Federal assistance for a period of not less than 2 years beginning on the date of the violation or failure if the borrower or affiliate, as applicable, willfully and materially— (i) violates a consumer protection described in subsection (b); or (ii) fails to include the consumer protections described in subsection (b) in any lease agreement; and (B) determine appropriate penalties for any borrower who fails to— (i) include the consumer protections described in subsection (b) in any lease agreement; or (ii) comply with a lease agreement including the protections described in subsection (b). (2) Nature of penalties The penalties determined under paragraph (1)(B) shall be in addition to minimum payments to the injured tenant as follows: (A) For a material violation of subparagraph (A) or (J) of subsection (b)(1), 6 months of the current monthly rent. (B) For a material violation of subsection (b)(1)(B), any increased rent must be paid back to the tenant with interest, plus 25 percent. (C) For a material violation of subsection (b)(1)(C), any penalties or late fees must be paid back to the tenant with interest, plus 25 percent. (D) For a material violation of subparagraph (D), (E), or (F) of subsection (b)(1), the greater of— (i) the sale price of the manufactured home, if the borrower or an affiliate sells it within 12 months of the violation