FY 2021 Housing Counseling Training
Overview
The purpose of this assistance is to continue investing in the creation and maintenance of a professional and effective housing counseling industry that is able to meaningfully assist consumers by providing them with the information they need to make informed housing choices and maximize the impact of Federal funding appropriated for HUD’s Housing Counseling Program.
Statutory requirements enacted as part of the Dodd–Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) require that individual housing counselors participating in HUD’s Housing Counseling Program shall demonstrate, by written examination, that they are competent in providing counseling in each of the core topics provided at section 106(e)(2) of the Housing and Urban Development Act of 1968 (Section 106) (12 U.S.C. 1701x(e)(2)). HUD published the Final Rule implementing Housing Counseling Certification requirements on December 14, 2016, at 81 FR 90632. A revision of the certification timeline was later published in a Final Rule on December 4, 2020, at 85 FR 78230. The 2016 rule implements statutory requirements that housing counseling required under or provided in connection with all HUD programs must be provided by a HUD-certified counselor employed by a Participating Agency. HUD requires six (6) Core Topics in which housing counselors need to be trained and competent. These are: Financial Management; Property Maintenance; Homeownership and Tenancy; Fair Housing and other Civil Rights Laws and Requirements; Housing Affordability; Avoidance of, and responses to, rental and mortgage delinquency and avoidance of eviction and mortgage default.
HUD also acknowledges the need for more housing counselors trained in Rental Housing and Mortgage Delinquency and Default counseling. In that regard, the Coronavirus Aid, Relief, and Economic Security Act (CARES Act) enacted on March 27, 2020, as well as the Centers for Disease Control and Prevention (CDC) and Federal Housing Administration (FHA), provided various moratoriums on foreclosure and eviction filings to provide urgent economic relief to households impacted by COVID-19. The prospect of these moratoria expiring or having expired has amplified the need for housing counseling services provided by trained and competent counselors. HUD also recognizes the important role housing counselors can provide in helping to mitigate delinquencies and defaults leading to foreclosures and evictions and how counseling services directly result in a mitigation of losses to the FHA Mutual Mortgage Insurance Fund. This funding assistance will expand the number of agencies and counselors who can provide Rental HUD Housing and Mortgage Delinquency and Default counseling.
While these areas of specialty are most important, HUD also encourages housing counselor workforce development through programs designed to prepare students for future careers in housing counseling, to strengthen the overall capacity of the HUD housing counseling network. These programs can be administered directly by Training NOFO (TNOFO) grantees, or by partnering with institutions of higher education, including but not limited to, Historically Black Colleges or Universities (HBCUs), Tribal Colleges and Universities (TCUs), or other Minority Serving Institutions (MSIs). Current HUD priorities also center on Disaster Preparation and Recovery. Housing Counseling agencies (HCAs) are in a unique position to help their communities prepare for and recover from a disaster. They can help their clients prepare for disasters by integrating preparedness into their counseling and education activities. Post-disaster, they can use their knowledge of local resources and programs to help clients navigate the complexities of disaster recovery resources and programs. HUD recognizes that counselors may specialize in specific housing counseling topics, and that counselors will need more than general housing counseling training to provide high quality services that include general and specialized housing counseling topics. This NOFO supports courses that provide training in the areas of disaster preparation and recovery that prepare counselors for providing disaster-related quality housing counseling services.
Current HUD priorities also center on Disaster Preparation and Recovery. Housing Counseling agencies (HCAs) are in a unique position to help their communities prepare for and recover from a disaster. They can help their clients prepare for disasters by integrating preparedness into their counseling and education activities. Post-disaster, they can use their knowledge of local resources and programs to help clients navigate the complexities of disaster recovery resources and programs. HUD recognizes that counselors may specialize in specific housing counseling topics, and that counselors will need more than general housing counseling training to provide high quality services that include general and specialized housing counseling topics. This NOFO supports courses that provide training in the areas of disaster preparation and recovery that prepare counselors for providing disaster-related quality housing counseling services.
In summary, this NOFO provides notice of a grant program that supports the provision of both basic housing counseling training and specialized topics of training including training in the core topics for housing counselor certification, rental housing counseling, mortgage delinquency and default counseling, housing counselor workforce development, and disaster preparation and recovery to help meet these perceived needs. This financial support will assist HCAs to increase the use of partnerships with local and state-wide organizations to provide additional place-based training on state and local issues. In addition, this support should result in an increased number of counselor training scholarships.
Available Funds
Funding of approximately $2,000,000 is available through this NOFO.
Preference Points
This program does not offer preference points.
Program Office: Office of Housing
Funding Opportunity Title: FY21 NOFO Housing Counseling Training Grant Program
FAIN Number: FR-6500-N-30
Assistance Listing Number: 14.316
OMB Approval Numbers: 2502-0567
Estimated Opening Date: November 2, 2021
Estimated Deadline Date: November 19, 2021