104 STAT. 4242 PUBLIC LAW 101-625—NOV. 28, 1990 less than 2 separate metropolitan areas. The Secretary shall provide for counseling under the demonstration program under this subsection with respect to only such counseling target areas. " (B) CouNSEUNG TARGET AREAS.— Each Counseling target area shall consist of a group of contiguous census tracts— "(i) the population of which is greater than 50,000; "(ii) which together constitute an identifiable neighborhood, area, borough, district, or region within a metropolitan area (except that this clause may not be construed to exclude a group of census tracts containing areas not wholly contained within a single town, city, or other political subdivision of a State); '(iii) in which the average age of existing housing is greater than 20 years; and "(iv) for which (I) the percentage of qualified mortgages on homes within the area that are foreclosed exceeds 5 percent for the calendar year preceding the year in which the area is selected as a counseling target area, or (II) the number of qualified mortgeiges originated on homes in such area in the calendar year preceding the calendar year in which the area is selected as a counseling target area exceeds 20 percent of the total number of mortgages originated on residences in the area during such year. "(C) MORTGAGE CHARACTERISTICS. —In designating counseling target areas under subparagraph (A), the Secretary shall designate at least 1 such area that meets the requirements of subparagraph (B)(ivXD and at least 1 such area that meets the requirements of subparagraph (B)(ivXID- "(D) EXPANSION OF TARGET AREAS.—The Secretary may expgmd any counseling target area during the term of the demonstration program, if the Secretary determines that counseling can be adequately provided within such expanded area and the purposes of this subsection will be furthered by such expansion. Any such expansion shall include only groups of census tracts that are contiguous to the counseling target area expanded and such census tract groups shall not be subject to the provisions of subparagraph (B). "(E) DESIGNATION OF CONTROL AREAS. — For purposes of determining the effectiveness of counseling under the demonstration program, the Secretary shall designate 3 control areas, each of which shall correspond to 1 of the counseling target areas designated under subparagraph (A). Each control area shall be located in the metropolitan area in which the corresponding counseling target area is located, shall meet the requirements of subparagraph (B), and shall be similar to such area with respect to size, age of housing stock, median income, and racial makeup of the population. Each control area shall also comply with the requirements of subclause (I) or (II) of subparagraph (B)(iv), according to the subclause with which the corresponding counseling target area complies. Records. "(8) EVALUATION,— Each Organization providing counseling under the demonstration program under this subsection shall maintain records with respect to each eligible homebuyer and
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