of the regulations required under this section and the Federal district court shall have jurisdiction to order such promulgation. (b) PENALTIES FOR VIOLATIONS.— (1) MONETARY PENALTY.-Any person who knowingly violates any provision of this section shall be subject to civil money penalties in accordance with the provisions of section 102 of the Department of Housing and Urban Development Reform Act of 1989 (42 U.S.C. 3545). (2) ACTION BY SECRETARY.-The Secretary is authorized to take such lawful action as may be necessary to enjoin any violation of this section. (3) CIVIL LIABILITY.-Any person who knowingly violates the provisions of this section shall be jointly and severally liable to the purchaser or lessee in an amount equal to 3 times the amount of damages incurred by such individual. (4) COSTS.-In any civil action brought for damages pursuant to paragraph (3), the appropriate court may award court costs to the party commencing such action, together with reasonable attorney fees and any expert witness fees, if that party prevails. (5) PROHIBITED ACT.-It shall be a prohibited act under section 409 of the Toxic Substances Control Act for any person to fail or refuse to comply with a provision of this section or with any rule or order issued under this section. For purposes of enforcing this section under the Toxic Substances Control Act, the penalty for each violation applicable under section 16 of that Act shall not be more than $10,000. (c) VALIDITY OF CONTRACTS AND LIENS.-Nothing in this section shall affect the validity or enforceability of any sale or contract for the purchase and sale or lease of any interest in residential real property or any loan, loan agreement, mortgage, or lien made or arising in connection with a mortgage loan, nor shall anything in this section create a defect in title. (d) EFFECTIVE DATE.-The regulations under this section shall take effect 3 years after the date of the enactment of this title. 1 [42 U.S.C. 4852d] Subtitle B-Lead Exposure Reduction SEC. 1021. CONTRACTOR TRAINING AND CERTIFICATION. (a) AMENDMENT TO THE TOXIC SUBSTANCES CONTROL ACT.— The Toxic Substances Control Act (15 U.S.C. 2601 et seq.) is amended by adding after title III the following new title: "TITLE IV-LEAD EXPOSURE 1 The date of enactment was October 28, 1992. Subtitle C-Worker Protection SEC. 1031. WORKER PROTECTION. Not later than 180 days after the enactment of this Act,1 the Secretary of Labor shall issue an interim final regulation regulating occupational exposure to lead in the construction industry. Such interim final regulation shall provide employment and places of employment to employees which are as safe and healthful as those which would prevail under the Department of Housing and Urban Development guidelines published at Federal Register 55, page 38973 (September 28, 1990) (Revised Chapter 8). Such interim final regulations shall take effect upon issuance (except that such regulations may include a reasonable delay in the effective date), shall have the legal effect of an Occupational Safety and Health Standard, and shall apply until a final standard becomes effective under section 6 of the Occupational Safety and Health Act of 1970. [42 U.S.C. 4853] SEC. 1032. COORDINATION BETWEEN ENVIRONMENTAL PROTECTION AGENCY AND DEPARTMENT OF LABOR. The Secretary of Labor, in promulgating regulations under section 1031, shall consult and coordinate with the Administrator of the Environmental Protection Agency for the purpose of achieving the maximum enforcement of title IV of the Toxic Substances Control Act and the Occupational Safety and Health Act of 1970 while imposing the least burdens of duplicative requirements on those subject to such title and Act and for other purposes. [42 U.S.C. 4853a] SEC. 1033. NIOSH RESPONSIBILITIES. Section 22 of the Occupational Safety and Health Act of 1970 is amended by adding the following new subsection at the end thereof: Subtitle D-Research and Development PART 1-HUD RESEARCH SEC. 1051. RESEARCH ON LEAD EXPOSURE FROM OTHER SOURCES. The Secretary, in cooperation with other Federal agencies, shall conduct research on strategies to reduce the risk of lead exposure from other sources, including exterior soil and interior lead dust in carpets, furniture, and forced air ducts. [42 U.S.C. 4854] SEC. 1052. TESTING TECHNOLOGIES. The Secretary, in cooperation with other Federal agencies, shall conduct research to (1) develop improved methods for evaluating lead-based paint hazards in housing; (2) develop improved methods for reducing lead-based paint hazards in housing; (3) develop improved methods for measuring lead in paint films, dust, and soil samples; (4) establish performance standards for various detection methods, including spot test kits; (5) establish performance standards for lead-based paint hazard reduction methods, including the use of encapsulants; (6) establish appropriate cleanup standards; (7) evaluate the efficacy of interim controls in various hazard situations; (8) evaluate the relative performance of various abatement techniques; (9) evaluate the long-term cost-effectiveness of interim control and abatement strategies; and (10) assess the effectiveness of hazard evaluation and reduction activities funded by this Act. [42 U.S.C. 4854a] SEC. 1053. AUTHORIZATION. Of the total amount approved in appropriation Acts under section 1011(o), there shall be set aside to carry out this part $5,000,000 for fiscal year 1993, and $5,000,000 for fiscal year 1994. [42 U.S.C. 4854b] PART 2-GAO REPORT SEC. 1056. FEDERAL IMPLEMENTATION AND INSURANCE STUDY. (a) FEDERAL IMPLEMENTATION STUDY.-The Comptroller General of the United States shall assess the effectiveness of Federal enforcement and compliance with lead safety laws and regulations, including any changes needed in annual inspection procedures to identify lead-based paint hazards in units receiving assistance under subsections (b) and (o) of section 8 of the United States Housing Act of 1937. (b) INSURANCE STUDY.-The Comptroller General of the United States shall assess the availability of liability insurance for owners of residential housing that contains lead-based paint and persons engaged in lead-based paint hazard evaluation and reduction activities. In carrying out the assessment, the Comptroller General shall (1) analyze any precedents in the insurance industry for the containment and abatement of environmental hazards, such as asbestos, in federally assisted housing; (2) provide an assessment of the recent insurance experience in the public housing lead hazard identification and reduction program; and (3) recommend measures for increasing the availability of liability insurance to owners and contractors engaged in federally supported work. [42 U.S.C. 4855] Subtitle E-Reports SEC. 1061. REPORTS OF THE SECRETARY OF HOUSING AND URBAN DEVELOPMENT. (a) ANNUAL REPORT.-The Secretary shall transmit to the Congress an annual report that— (1) sets forth the Secretary's assessment of the progress made in implementing the various programs authorized by this title; (2) summarizes the most current health and environmental studies on childhood lead poisoning, including studies that analyze the relationship between interim control and abatement activities and the incidence of lead poisoning in resident children; (3) recommends legislative and administrative initiatives that may improve the performance by the Department of Housing and Urban Development in combating lead hazards through the expansion of lead hazard evaluation and reduction activities; (4) describes the results of research carried out in accordance with subtitle D; and (5) estimates the amount of Federal assistance annually expended on lead hazard evaluation and reduction activities. (b) BIENNIAL REPORT. (1) IN GENERAL.-24 months after the date of enactment of this Act,1 and at the end of every 24-month period thereafter, the Secretary shall report to the Congress on the progress of the Department of Housing and Urban Development in implementing expanded lead-based paint hazard evaluation and reduction activities. (2) CONTENTS.-The report shall (A) assess the effectiveness of section 1018 in making the public aware of lead-based paint hazards; (B) estimate the extent to which lead-based paint hazard evaluation and reduction activities are being conducted in the various categories of housing; (C) monitor and report expenditures for lead-based paint hazard evaluation and reduction for programs within the jurisdiction of the Department of Housing and Urban Development; (D) identify the infrastructure needed to eliminate lead-based paint hazards in all housing as expeditiously as possible, including cost-effective technology, standards and regulations, trained and certified contractors, certified laboratories, liability insurance, private financing techniques, and appropriate Government subsidies; (E) assess the extent to which the infrastructure described in subparagraph (D) exists, make recommendations to correct shortcomings, and provide estimates of the costs of measures needed to build an adequate infrastructure; and (F) include any additional information that the Secretary deems appropriate. [42 U.S.C. 4856] 1 The date of enactment was October 28, 1992. HOME MORTGAGE DISCLOSURE ACT OF 1975 EXCERPT FROM PUBLIC LAW 94-200 [Public Law 94-200; 89 Stat. 1125; 12 U.S.C. 2801 et seq.] TITLE III-HOME MORTGAGE DISCLOSURE SHORT TITLE SEC. 301. This title may be cited as the "Home Mortgage Disclosure Act of 1975". [12 U.S.C. 2801 note] FINDINGS AND PURPOSES SEC. 302. (a) The Congress finds that some depository institutions have sometimes contributed to the decline of certain geographic areas by their failure pursuant to their chartering responsibilities to provide adequate home financing to qualified applicants on reasonable terms and conditions. (b) The purpose of this title is to provide the citizens and public officials of the United States with sufficient information to enable them to determine whether depository institutions are filling their obligations to serve the housing needs of the communities and neighborhoods in which they are located and to assist public officials in their determination of the distribution of public sector investments in a manner designed to improve the private investment environment. (c) Nothing in this title is intended to, nor shall it be construed to, encourage unsound lending practices or the allocation of credit. [12 U.S.C. 2801] DEFINITIONS SEC. 303. For purposes of this title (1) the term "mortgage loan" means a loan which is secured by residential real property or a home improvement loan; (2) the term "depository institution"— (A) means (i) any bank (as defined in section 3(a)(1) of the Federal Deposit Insurance Act); (ii) any savings association (as defined in section 3(b)(1) of the Federal Deposit Insurance Act); and (iii) any credit union, which makes federally related mortgage loans as determined by the Board; and (B) includes any other lending institution (as defined in paragraph (4)) other than any institution described in subparagraph (A); (3) the term "completed application" means an application in which the creditor has received the information that is regu |