104 STAT. 3820 7 USC 1981f. 7 USC 1981f note. PUBLIC LAW 101-624—NOV. 28, 1990 (1) in subsection (b)(l), by inserting "debt settlement programs," after "preservation loan service programs,"; and (2) in subsection (e), by striking "45" and inserting "60". SEC. 1808. UNDERWRITING FORMS AND STANDARDS. (a) IN GENERAL. —The Act is simended by inserting after section 331E (7 U.S.C. 1981e) the following new section: "SEC. 331F. UNDERWRITING FORMS AND STANDARDS. "In the administration of this title, the Secretary shall, to the extent practicable, use underwriting forms, standards, practices, and terminology similar to the forms, standards, practices, and terminology used by lenders in the private sector.". OJ) REGULATIONS.—The Secretary of Agriculture shall not issue final regulations providing for the use of ratios and standards for determining the degree of potential loan risk under section 331F of the Consolidated Farm and Rural Development Act (as added by subsection (a) of this section), prior to the submission of the study and report on the effects of the regulations required by section 621 of the Agricultural Credit Act of 1987 (7 U.S.C. 1989 note). SEC. 1809. COUNTY COMMITTEES. (a) FMHA-ELIGIBLE BORROWERS. — Section 332(a)(4) (7 U.S.C. 1982(a)(4)) is amended by inserting "be elected to" before "serve". (b) MAIUNG BALLOTS. — Section 332(a) is amended by adding at the end the following new paragraph: "(6) The Secretary shall provide for the mailing of ballots to persons eligible to vote for the election of county committee members only if the mailing of the ballots coincides with the mailing of ballots under other programs administered by the Secretary.". (c) TRAINING. —Section 332 is amended by adding at the end the following new subsection: "(d)(1) The Secretary shall provide annual training of county committee members on the job responsibilities of the members under this title. "(2) The Secretary shall develop and provide a county committee training manual to all county committee members and shall update the manual in a timely manner to reflect changes in law or regulations.". SEC. 1810. CERTIFICATION OF LOAN ELIGIBILITY. Section 333(b) (7 U.S.C. 19830?)) is amended to read as follows: "(b)(l)(A) for loans (other than under sections 306, 310B, 314, and 321(a)(2)), the county committee to certify in writing that the applicant meets the eligibility requirements for the loan, and has the character, industry, and ability to carry out the proposed operations, and will in the opinion of the county committee honestly endeavor to carry out the applicant's undertakings and obligations; "(B) for loans under sections 306, 310B, 314, and 321(a)(2), the recommendation of the county committee as to the making or insuring of the loan; and "(C) for all loans, the certification of eligibility under this subsection shall continue in effect for a period of not to exceed 2 years as the committee may determine appropriate; and "(2) the Secretary may provide a procedure for appeal and review of any determination relating to a certification or rec-
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