Affordability and Fairness for Mountain Communities Act of 2025

[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.R. 5651 Introduced in House (IH)] <DOC> 119th CONGRESS 1st Session H. R. 5651 To establish a waiver program to allow for ZIP Code localization area median income calculations, and for other purposes. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES September 30, 2025 Mr. Neguse introduced the following bill; which was referred to the Committee on Financial Services _______________________________________________________________________ A BILL To establish a waiver program to allow for ZIP Code localization area median income calculations, and for other purposes. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. SHORT TITLE. This Act may be cited as the ``Affordability and Fairness for Mountain Communities Act of 2025''. SEC. 2. WAIVER PROGRAM FOR ZIP CODE LOCALIZATION OF AREA MEDIAN INCOME CALCULATIONS. (a) In General.--Not later than 90 days after the date of enactment of this Act, the Secretary of Housing and Urban Development shall establish a waiver program to be known as the Area Median Income Localization Waiver (in this Act referred to as the ``waiver program''). (b) The Waiver Program.--The waiver program established by the Secretary pursuant to subsection (a) shall allow a county government, or corresponding functional unit of government, to calculate area median income for covered programs using-- (1) a ZIP Code as the area for calculation; and (2) a group of counties that each share a border with such county as the area for calculation. (c) Application.--A county government, or a corresponding functional unit of government, may apply to participate in the waiver program by submitting an application to the Secretary at such time and in such manner as the Secretary may reasonably require. (d) Selection.--The Secretary shall grant a waiver to each c