A participating jurisdiction may use funds provided under this subtitle to provide loans or grants to very low- and low-income families for security deposits for rental of dwelling units, regardless of whether such family is provided tenant-based rental assistance pursuant to paragraph (3). The jurisdiction shall require the owner to return any unused amounts of security deposit assistance upon the termination of such family’s tenancy and may use such returned amounts only for assistance under this paragraph. . (b) Authorization of appropriations There is authorized to be appropriated to the Secretary of Housing and Urban Development such sums as may be necessary for assistance under subtitle A of title II of the Cranston-Gonzalez National Affordable Housing Act ( 42 U.S.C. 12741 et seq. ), to be made available only for providing security deposit assistance under paragraph (4) of section 212(a) of such Act (as added by the amendment made by subsection (a) of this section). 4. Study on alternatives to security deposits (a) Study The Secretary of Housing and Urban Development shall conduct a study to identify and analyze— (1) alternatives to rental housing security deposits, including products that require a tenant of a dwelling unit to pay a monthly insurance premium to cover costs of repairing damage to the dwelling unit