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sources and that such homeownership counseling is avail- able, including through programs sponsored by the Sec- retary of Housing and Urban Development. ‘‘(B) CONTACT INFORMATION.—Each segment of the Public multimedia campaign under subparagraph (A) shall pub- information. licize the toll-free telephone number and website of the Web posting. Department of Housing and Urban Development through which persons seeking housing counseling can locate a housing counseling agency in their State that is certified by the Secretary of Housing and Urban Development and can provide advice on buying a home, renting, defaults, foreclosures, credit issues, and reverse mortgages. ‘‘(C) AUTHORIZATION OF APPROPRIATIONS.—There are authorized to be appropriated to the Secretary, not to exceed $3,000,000 for fiscal years 2009, 2010, and 2011, for the development, implementation, and conduct of national public service multimedia campaigns under this paragraph. ‘‘(D) FORECLOSURE RESCUE EDUCATION PROGRAMS.— ‘‘(i) IN GENERAL.—Ten percent of any funds appro- priated pursuant to the authorization under subpara- graph (C) shall be used by the Director of Housing Counseling to conduct an education program in areas that have a high density of foreclosure. Such program shall involve direct mailings to persons living in such areas describing— ‘‘(I) tips on avoiding foreclosure rescue scams; ‘‘(II) tips on avoiding predatory lending mort- gage agreements; ‘‘(III) tips on avoiding for-profit foreclosure counseling services; and ‘‘(IV) local counseling resources that are approved by the Department of Housing and Urban Development. ‘‘(ii) PROGRAM EMPHASIS.—In conducting the edu- cation program described under clause (i), the Director of Housing Counseling shall also place an emphasis on serving communities that have a high percentage of retirement communities or a high percentage of low-income minority communities. ‘‘(iii) TERMS DEFINED.—For purposes of this subparagraph: ‘‘(I) HIGH DENSITY OF FORECLOSURES.—An area has a ‘high density of foreclosures’ if such area is one of the metropolitan statistical areas (as that term is defined by the Director of the Office of Management and Budget) with the highest home foreclosure rates. ‘‘(II) HIGH PERCENTAGE OF RETIREMENT COMMUNITIES.—An area has a ‘high percentage of retirement communities’ if such area is one of the metropolitan statistical areas (as that term is defined by the Director of the Office of Manage- ment and Budget) with the highest percentage LAWS of residents aged 65 or older. ‘‘(III) HIGH PERCENTAGE OF LOW-INCOME MINORITY COMMUNITIES.—An area has a ‘highPUBLIC with on anorris VerDate Nov 24 2008 22:28 Sep 03, 2010 Jkt 089139 PO 00203 Frm 00795 Fmt 6580 Sfmt 6581 E:\PUBLAW\PUBL203.111 PUBL203