WASHINGTON — The fate of low-income and minority families under housing finance reform remains at the heart of negotiations over a Senate bill, highlighting a longstanding split between advocates pushing for affordable rental options and those urging access to homeownership.

Stakeholders continue to pressure Senate Banking Committee Chairman Tim Johnson and Sen. Mike Crapo, the panel's lead Republican, to make changes to affordable housing provisions in the bill in order to win more support from key lawmakers. The two senators are hoping to expand their current coalition of 12 members to win enough support to take the legislation quickly to the Senate floor.

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