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impacted communities. Under the interim final rule, recipients were allowed to presume that <br />families residing in QCTs or receiving services provided by Tribal governments were <br />disproportionately impacted by the pandemic. <br />Definition of Low- and Moderate -Income <br />Public Comment: As noted earlier, many commenters sought a definition for "low- and <br />moderate -income" to provide recipients greater clarity on which specific households could be <br />presumed to be impacted by the pandemic. <br />Treasury Response: The final rule maintains the presumptions identified in the interim <br />final rule and defines low- and moderate -income for the purposes of determining which <br />households and populations recipients may presume to have been impacted. To simplify the <br />administration of this presumption, the final rule adopts a definition of low- and moderate- <br />income based on thresholds established and used in other federal programs. <br />Definitions. The final rule defines a household as low income if it has (i) income at or <br />below 185 percent of the Federal Poverty Guidelines (FPG) for the size of its household based on <br />the most recently published poverty guidelines by the Department of Health and Human Services <br />(HHS) or (ii) income at or below 40 percent of the Area Median Income (AMI) for its county <br />and size of household based on the most recently published data by the Department of Housing <br />and Urban Development (HUD).22 <br />The final rule defines a household as moderate income if it has (i) income at or below <br />300 percent of the FPG for the size of its household based on the most recently published <br />22 AMI is also often referred to as median family income for the area. Since AMI is synonymous with this term and <br />used more generally, the final rule refers to AMI. <br />30 <br />