Sec. 520. definition of rural area
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## Sec. 520 definition of rural area **[**[42 U.S.C. 1490](/us/usc/t42/s1490)**]** As used in this title, the terms “**rural**” and “rural area” mean any open country, or any place, town, village, or city which is not (except in the cases of Pajaro, in the State of California, and Guadalupe, in the State of Arizona) part of or associated with an urban area and which
(1)has a population not in excess of 2,500 inhabitants, or
(2)has a population in excess of 2,500 but not in excess of 10,000 if it is rural in character, or
(3)has a population in excess of 10,000 but not in excess of 20,000, and
(A)is not contained within a standard metropolitan statistical area, and
(B)has a serious lack of mortgage credit for lower and moderate-income families, as determined by the Secretary and the Secretary of Housing and Urban Development.43 For purposes of this title, any area classifed as “rural” or a “rural area” prior to October 1, 1990, and determined not to be “rural” or a “rural area” as a result of data received from or after the 1990, 2000, 2010, or 2020 decennial census, and any area deemed to be a “rural area” for purposes of this title under any other provision of law at any time during the period beginning January 1, 2000, and ending December 31, 2020, shall continue to be so classified until the receipt of data from the decennial census in the year 2030, if such area has a population in excess of 10,000 but not in excess of 35,000, is rural in character, and has a serious lack of mortgage credit for lower and moderate-income families. Notwithstanding any other provision of this section, the city of Plainview, Texas, shall be considered a rural area for purposes of this title, and the city of Altus, Oklahoma, shall be considered a rural area for purposes of this title until the receipt of data from the decennial census in the year 2000. 43Section 761 of the Agriculture, Rural Development, Food and Drug Administration, and Related Agencies Appropriations Act, 2001 (H.R. 5426, 106th Congress, enacted by reference by Public Law 106–387, 114 Stat. 1549A-44) provides that “[h]ereafter, the Secretary of Agriculture shall consider the City of Kewanee and the City of Jacksonville, Illinois, as meeting the requirements of a rural area contained in section 520 of the Housing Act of 1949 (42 U.S.C. 1490).”.
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- Pub. L. 106-387
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