Revise laws related to community reinvestment organizations

This Montana bill (LC 2516) updates rules for community reinvestment programs to expand affordable housing access. It allows community land trust housing to count as "workforce housing" in inventory and limits annual appreciation on deed-restricted homes to 1% (or the standard share, whichever is higher). Community reinvestment organizations must use 95% of funds in their revolving accounts to help eligible households (earning 60-140% of local median income) buy homes, with the remaining 5% for administrative costs. The changes aim to make homeownership more affordable by restricting how much property value can increase over time while ensuring funds directly support low-to-moderate income buyers.