mr THOMAS BEERS iii

H. R. 3221/S.2636 Foreclosure Prevention Act-Comprehensive FHA Title I and Title II Reform. Net Operating Loss (NOL) carryback provisions, tax credit for homebuyers who purchase a home in foreclosure, provision allowing for an additional standard deduction for real property taxes for non-itemizers, and extension of Energy Star Tax credit for MH manufacturers. H.R. 384 Floor plan lending: legislation that guides the new Administrtion on spending future TARP funds, states that Treasury should take any action to support dealer floor plan lending through Federal Reserve Board or otherwise. Emergency Economic Stabiliazation Act of 2008: Provides authority to the Treasury Secretary to restore liquidity and stability to the U.S. financial system and to ensure the economic well-being of Americans. To include: Purchase of troubled assets and insurance of troubled assets, establishes a financial oversight board, enables forclosure mitigation efforts, and assistance to homeowners. H.R. 1 Stimulus package- Provides economic stimulus through recovery rebates to individuals, incentives for business investment, and an increase in conforming and FHA loan limits. Congress adopted an $8000 first time homebuyer tax credit which expires on December , 2009. Advocacy to extend and expand the homebuyer tax credit. H.R. 3068-A bill to use amounts made available under the Troubled Assets Relief Program to the Secretary of the Treasury for relief for homeowners and neighborhoods. FHA Permanent Foundation Requirements for Manufactured Homes - 24 CRF 203.47f - In lieu of installing HUD Code homes in accordance with the Guide to Permanent Foundations, FHA will be proposing to adopt the HUD Model Installation Standard (or state equivalent) as its permanent foundation requirement HUD Proposed Rule - GSE Affordable Housing Goals-24 CFR Part 81-Proposed rule will establish the housing goals (effective 2009) for the GSEs. HUD Proposed Rule - Reform of the Real Estate Procedures Act (RESPA)-24 CFR Parts 203 and 3500-Proposed rule would require lenders to itemize borrower costs on an enhanced Good Faith Estimate. Lenders to disclose Yield Spread Premiums paid to brokers. New penalties for RESPA violations. Federal Reserve Proposed Rule - Regulation Z Reform- 12CFR Part 226 Fed proposed defines "higher prices mortgage loans" (HPML as any loan with an APR 3pts above yield on t-bills with comparable terms. Rules provides that HPML lenders required to consider borrower's ability to repay, verify income, escrow taxes and insurance, and are not permitted to use prepayment penalties FHA Title II Morgagee Letter "Manufactured Housing Policy Guidance" - "Manufactured Housing Policy Guidance"-The letter covers a host of issues under the topic of property eligiblity and underwriting eligibility. The letter indicates FHA's desire to receive invoices and supporting documentation for all site-work from installers and subcontractors. This documentation is not required for site-built construction loans and is excessive considering all homes are appraised by FHA approved appraisers. H.R. 958-Data Accountablity and Trust Act-Protects consumers by requiring reasonable security policies and procedures to protect computerized data containing personal information, and to provide for a nationwide notice in the event of a security breach. Bill expected to be re-introduced in 2009. Floor Plan Lending: The SBA has approved a pilot program that would provide loans to retail sales centers for floor plan financing, including manufactured homes. The pilot begins on July 1 and expires on October 1, 2010.

H. R. 3221/S.2636 Foreclosure Prevention Act-Comprehensive FHA Title I and Title II Reform. Net Operating Loss (NOL) carryback provisions, tax credit for homebuyers who purchase a home in foreclosure, provision allowing for an additional standard deduction for real property taxes for non-itemizers, and extension of Energy Star Tax credit for MH manufacturers. H.R. 384 Floor plan lending: legislation that guides the new Administrtion on spending future TARP funds, states that Treasury should take any action to support dealer floor plan lending through Federal Reserve Board or otherwise. Emergency Economic Stabiliazation Act of 2008: Provides authority to the Treasury Secretary to restore liquidity and stability to the U.S. financial system and to ensure the economic well-being of Americans. To include: Purchase of troubled assets and insurance of troubled assets, establishes a financial oversight board, enables forclosure mitigation efforts, and assistance to homeowners. H.R. 1 Stimulus package- Provides economic stimulus through recovery rebates to individuals, incentives for business investment, and an increase in conforming and FHA loan limits FHA Permanent Foundation Requirements for Manufactured Homes - 24 CRF 203.47f - In lieu of installing HUD Code homes in accordance with the Guide to Permanent Foundations, FHA will be proposing to adopt the HUD Model Installation Standard (or state equivalent) as its permanent foundation requirement HUD Proposed Rule - GSE Affordable Housing Goals-24 CFR Part 81-Proposed rule will establish the housing goals (effective 2009) for the GSEs. HUD Proposed Rule - Reform of the Real Estate Procedures Act (RESPA)-24 CFR Parts 203 and 3500-Proposed rule would require lenders to itemize borrower costs on an enhanced Good Faith Estimate. Lenders to disclose Yield Spread Premiums paid to brokers. New penalties for RESPA violations. Federal Reserve Proposed Rule - Regulation Z Reform- 12CFR Part 226 Fed proposed defines "higher prices mortgage loans" (HPML as any loan with an APR 3pts above yield on t-bills with comparable terms. Rules provides that HPML lenders required to consider borrower's ability to repay, verify income, escrow taxes and insurance, and are not permitted to use prepayment penalties FHA Title II Morgagee Letter "Manufactured Housing Policy Guidance" - "Manufactured Housing Policy Guidance"-The letter covers a host of issues under the topic of property eligiblity and underwriting eligibility. The letter indicates FHA's desire to receive invoices and supporting documentation for all site-work from installers and subcontractors. This documentation is not required for site-built construction loans and is excessive considering all homes are appraised by FHA approved appraisers. H.R. 6078- The Green Act-Estabishes certain energy efficiency and green building criteria for housing programs funded by the federal government. Bill expected to be re-intoduced in 2009 H.R. 958-Data Accountablity and Trust Act-Protects consumers by requiring reasonable security policies and procedures to protect computerized data containing personal information, and to provide for a nationwide notice in the event of a security breach. Bill expected to be re-introduced in 2009.

H. R. 200 /S. 61 - Helping Families Save Their Homes in Bankruptcy Act-Addresses the treatment of primary mortgages in foreclosure by allowing bankruptcy judges to modify loan terms.

H. R. 200 /S. 61 - Helping Families Save Their Homes in Bankruptcy Act-Addresses the treatment of primary mortgages in foreclosure by allowing bankruptcy judges to modify loan terms.

H.R. 1728 - Mortgage Reform and Anti-Predatory-Amends the Truth in Lending Act to reform consumer mortgage practices and provide accountablity for such practices, to provide certian minimum standards for consumer mortgage loans, and other purposes

H.R. 1728 - Mortgage Reform and Anti-Predatory-Amends the Truth in Lending Act to reform consumer mortgage practices and provide accountablity for such practices, to provide certian minimum standards for consumer mortgage loans, and other purposes

H. R. 3221/S.2636 Foreclosure Prevention Act-Comprehensive FHA Title I and Title II Reform. Net Operating Loss (NOL) carryback provisions, tax credit for homebuyers who purchase a home in foreclosure, provision allowing for an additional standard deduction for real property taxes for non-itemizers, and extension of Energy Star Tax credit for MH manufacturers. H.R. 384 Floor plan lending: legislation that guides the new Administrtion on spending future TARP funds, states that Treasury should take any action to support dealer floor plan lending through Federal Reserve Board or otherwise. Emergency Economic Stabiliazation Act of 2008: Provides authority to the Treasury Secretary to restore liquidity and stability to the U.S. financial system and to ensure the economic well-being of Americans. To include: Purchase of troubled assets and insurance of troubled assets, establishes a financial oversight board, enables forclosure mitigation efforts, and assistance to homeowners. H.R. 1 Stimulus package- Provides economic stimulus through recovery rebates to individuals, incentives for business investment, and an increase in conforming and FHA loan limits. Congress adopted an $8000 first time homebuyer tax credit which expires on December , 2009. Advocacy to extend and expand the homebuyer tax credit. H.R. 3068-A bill to use amounts made available under the Troubled Assets Relief Program to the Secretary of the Treasury for relief for homeowners and neighborhoods. FHA Permanent Foundation Requirements for Manufactured Homes - 24 CRF 203.47f - In lieu of installing HUD Code homes in accordance with the Guide to Permanent Foundations, FHA will be proposing to adopt the HUD Model Installation Standard (or state equivalent) as its permanent foundation requirement HUD Proposed Rule - GSE Affordable Housing Goals-24 CFR Part 81-Proposed rule will establish the housing goals (effective 2009) for the GSEs. HUD Proposed Rule - Reform of the Real Estate Procedures Act (RESPA)-24 CFR Parts 203 and 3500-Proposed rule would require lenders to itemize borrower costs on an enhanced Good Faith Estimate. Lenders to disclose Yield Spread Premiums paid to brokers. New penalties for RESPA violations. Federal Reserve Proposed Rule - Regulation Z Reform- 12CFR Part 226 Fed proposed defines "higher prices mortgage loans" (HPML as any loan with an APR 3pts above yield on t-bills with comparable terms. Rules provides that HPML lenders required to consider borrower's ability to repay, verify income, escrow taxes and insurance, and are not permitted to use prepayment penalties FHA Title II Morgagee Letter "Manufactured Housing Policy Guidance" - "Manufactured Housing Policy Guidance"-The letter covers a host of issues under the topic of property eligiblity and underwriting eligibility. The letter indicates FHA's desire to receive invoices and supporting documentation for all site-work from installers and subcontractors. This documentation is not required for site-built construction loans and is excessive considering all homes are appraised by FHA approved appraisers. H.R. 958-Data Accountablity and Trust Act-Protects consumers by requiring reasonable security policies and procedures to protect computerized data containing personal information, and to provide for a nationwide notice in the event of a security breach. Bill expected to be re-introduced in 2009. Floor Plan Lending: The SBA has approved a pilot program that would provide loans to retail sales centers for floor plan financing, including manufactured homes. The pilot begins on July 1 and expires on October 1, 2010.

H. R. 3221/S.2636 Foreclosure Prevention Act-Comprehensive FHA Title I and Title II Reform. Net Operating Loss (NOL) carryback provisions, tax credit for homebuyers who purchase a home in foreclosure, provision allowing for an additional standard deduction for real property taxes for non-itemizers, and extension of Energy Star Tax credit for MH manufacturers. H.R. 384 Floor plan lending: legislation that guides the new Administrtion on spending future TARP funds, states that Treasury should take any action to support dealer floor plan lending through Federal Reserve Board or otherwise. Emergency Economic Stabiliazation Act of 2008: Provides authority to the Treasury Secretary to restore liquidity and stability to the U.S. financial system and to ensure the economic well-being of Americans. To include: Purchase of troubled assets and insurance of troubled assets, establishes a financial oversight board, enables forclosure mitigation efforts, and assistance to homeowners. H.R. 1 Stimulus package- Provides economic stimulus through recovery rebates to individuals, incentives for business investment, and an increase in conforming and FHA loan limits FHA Permanent Foundation Requirements for Manufactured Homes - 24 CRF 203.47f - In lieu of installing HUD Code homes in accordance with the Guide to Permanent Foundations, FHA will be proposing to adopt the HUD Model Installation Standard (or state equivalent) as its permanent foundation requirement HUD Proposed Rule - GSE Affordable Housing Goals-24 CFR Part 81-Proposed rule will establish the housing goals (effective 2009) for the GSEs. HUD Proposed Rule - Reform of the Real Estate Procedures Act (RESPA)-24 CFR Parts 203 and 3500-Proposed rule would require lenders to itemize borrower costs on an enhanced Good Faith Estimate. Lenders to disclose Yield Spread Premiums paid to brokers. New penalties for RESPA violations. Federal Reserve Proposed Rule - Regulation Z Reform- 12CFR Part 226 Fed proposed defines "higher prices mortgage loans" (HPML as any loan with an APR 3pts above yield on t-bills with comparable terms. Rules provides that HPML lenders required to consider borrower's ability to repay, verify income, escrow taxes and insurance, and are not permitted to use prepayment penalties FHA Title II Morgagee Letter "Manufactured Housing Policy Guidance" - "Manufactured Housing Policy Guidance"-The letter covers a host of issues under the topic of property eligiblity and underwriting eligibility. The letter indicates FHA's desire to receive invoices and supporting documentation for all site-work from installers and subcontractors. This documentation is not required for site-built construction loans and is excessive considering all homes are appraised by FHA approved appraisers. H.R. 6078- The Green Act-Estabishes certain energy efficiency and green building criteria for housing programs funded by the federal government. Bill expected to be re-intoduced in 2009 H.R. 958-Data Accountablity and Trust Act-Protects consumers by requiring reasonable security policies and procedures to protect computerized data containing personal information, and to provide for a nationwide notice in the event of a security breach. Bill expected to be re-introduced in 2009.

H. R. 3221/S.2636 Foreclosure Prevention Act-Comprehensive FHA Title I and Title II Reform. Net Operating Loss (NOL) carryback provisions, tax credit for homebuyers who purchase a home in foreclosure, provision allowing for an additional standard deduction for real property taxes for non-itemizers, and extension of Energy Star Tax credit for MH manufacturers. H.R. 384 Floor plan lending: legislation that guides the new Administrtion on spending future TARP funds, states that Treasury should take any action to support dealer floor plan lending through Federal Reserve Board or otherwise. Emergency Economic Stabiliazation Act of 2008: Provides authority to the Treasury Secretary to restore liquidity and stability to the U.S. financial system and to ensure the economic well-being of Americans. To include: Purchase of troubled assets and insurance of troubled assets, establishes a financial oversight board, enables forclosure mitigation efforts, and assistance to homeowners. H.R. 1 Stimulus package- Provides economic stimulus through recovery rebates to individuals, incentives for business investment, and an increase in conforming and FHA loan limits. Congress adopted an $8000 first time homebuyer tax credit which expires on December , 2009. Advocacy to extend and expand the homebuyer tax credit. H.R. 3068-A bill to use amounts made available under the Troubled Assets Relief Program to the Secretary of the Treasury for relief for homeowners and neighborhoods. FHA Permanent Foundation Requirements for Manufactured Homes - 24 CRF 203.47f - In lieu of installing HUD Code homes in accordance with the Guide to Permanent Foundations, FHA will be proposing to adopt the HUD Model Installation Standard (or state equivalent) as its permanent foundation requirement HUD Proposed Rule - GSE Affordable Housing Goals-24 CFR Part 81-Proposed rule will establish the housing goals (effective 2009) for the GSEs. HUD Proposed Rule - Reform of the Real Estate Procedures Act (RESPA)-24 CFR Parts 203 and 3500-Proposed rule would require lenders to itemize borrower costs on an enhanced Good Faith Estimate. Lenders to disclose Yield Spread Premiums paid to brokers. New penalties for RESPA violations. Federal Reserve Proposed Rule - Regulation Z Reform- 12CFR Part 226 Fed proposed defines "higher prices mortgage loans" (HPML as any loan with an APR 3pts above yield on t-bills with comparable terms. Rules provides that HPML lenders required to consider borrower's ability to repay, verify income, escrow taxes and insurance, and are not permitted to use prepayment penalties FHA Title II Morgagee Letter "Manufactured Housing Policy Guidance" - "Manufactured Housing Policy Guidance"-The letter covers a host of issues under the topic of property eligiblity and underwriting eligibility. The letter indicates FHA's desire to receive invoices and supporting documentation for all site-work from installers and subcontractors. This documentation is not required for site-built construction loans and is excessive considering all homes are appraised by FHA approved appraisers. H.R. 958-Data Accountablity and Trust Act-Protects consumers by requiring reasonable security policies and procedures to protect computerized data containing personal information, and to provide for a nationwide notice in the event of a security breach. Bill expected to be re-introduced in 2009. Floor Plan Lending: The SBA has approved a pilot program that would provide loans to retail sales centers for floor plan financing, including manufactured homes. The pilot begins on July 1 and expires on October 1, 2010.

H. R. 3221/S.2636 Foreclosure Prevention Act-Comprehensive FHA Title I and Title II Reform. Net Operating Loss (NOL) carryback provisions, tax credit for homebuyers who purchase a home in foreclosure, provision allowing for an additional standard deduction for real property taxes for non-itemizers, and extension of Energy Star Tax credit for MH manufacturers. H.R. 384 Floor plan lending: legislation that guides the new Administrtion on spending future TARP funds, states that Treasury should take any action to support dealer floor plan lending through Federal Reserve Board or otherwise. Emergency Economic Stabiliazation Act of 2008: Provides authority to the Treasury Secretary to restore liquidity and stability to the U.S. financial system and to ensure the economic well-being of Americans. To include: Purchase of troubled assets and insurance of troubled assets, establishes a financial oversight board, enables forclosure mitigation efforts, and assistance to homeowners. H.R. 1 Stimulus package- Provides economic stimulus through recovery rebates to individuals, incentives for business investment, and an increase in conforming and FHA loan limits FHA Permanent Foundation Requirements for Manufactured Homes - 24 CRF 203.47f - In lieu of installing HUD Code homes in accordance with the Guide to Permanent Foundations, FHA will be proposing to adopt the HUD Model Installation Standard (or state equivalent) as its permanent foundation requirement HUD Proposed Rule - GSE Affordable Housing Goals-24 CFR Part 81-Proposed rule will establish the housing goals (effective 2009) for the GSEs. HUD Proposed Rule - Reform of the Real Estate Procedures Act (RESPA)-24 CFR Parts 203 and 3500-Proposed rule would require lenders to itemize borrower costs on an enhanced Good Faith Estimate. Lenders to disclose Yield Spread Premiums paid to brokers. New penalties for RESPA violations. Federal Reserve Proposed Rule - Regulation Z Reform- 12CFR Part 226 Fed proposed defines "higher prices mortgage loans" (HPML as any loan with an APR 3pts above yield on t-bills with comparable terms. Rules provides that HPML lenders required to consider borrower's ability to repay, verify income, escrow taxes and insurance, and are not permitted to use prepayment penalties FHA Title II Morgagee Letter "Manufactured Housing Policy Guidance" - "Manufactured Housing Policy Guidance"-The letter covers a host of issues under the topic of property eligiblity and underwriting eligibility. The letter indicates FHA's desire to receive invoices and supporting documentation for all site-work from installers and subcontractors. This documentation is not required for site-built construction loans and is excessive considering all homes are appraised by FHA approved appraisers. H.R. 6078- The Green Act-Estabishes certain energy efficiency and green building criteria for housing programs funded by the federal government. Bill expected to be re-intoduced in 2009 H.R. 958-Data Accountablity and Trust Act-Protects consumers by requiring reasonable security policies and procedures to protect computerized data containing personal information, and to provide for a nationwide notice in the event of a security breach. Bill expected to be re-introduced in 2009.

H. R. 1427 - Government Sponsored Enterprises Reform (GSE) H. R. 2139 - Federal Housing Administration Title I Reform (FHA Title I) S. 1741 - Federal Housing Adminstration Title I Reform (FHA Title I) H. R. 1852/1752 - Federal Housing Adminstration Title II Reform S. 2328 Federal Housing Adminstration Title I & II Reform H.R. 3221/S. 2636 Foreclosure Prevention Act H.R. 2895 - National Housing Trust Fund H. R. 5140 - House Stimulus package FHA Permanent Foundation Requirements for Manufactured Homes - 24 CRF 203.47f HUD Proposed Rule - GSE Affordable Housing Goals HUD Proposed Rule - Reform of the Real Estate Procedures Act (RESPA) Federal Reserve Proposed Rule - Regulation Z Reform Proposed FHA Title II Morgagee Letter "Manufactured Housing Policy Guidance"

H. R. 1427 - Government Sponsored Enterprises Reform (GSE)-Reform the regulation of certain housing relating to GSEs. H. R. 2139 - Federal Housing Administration Title I Reform (FHA Title I)-Modernizes the FHA Title I program (home only). S. 1741 - Federal Housing Adminstration Title I Reform (FHA Title I) Modernizes the FHA Title I program (home only). H. R. 1852/1752 - Federal Housing Adminstration Title II Reform-Modernize the National Housing Act. S. 2328 Federal Housing Adminstration Title I & II Reform-Contains comprehensive FHA reform package that incorporates S.1741. Includes authorization for MH condominiums and steamlines procedures for FHA loans that are subject to long-term leases. H.R. 3221/S. 2636 Foreclosure Prevention Act-Comprehensive FHA Title I and Title II Reform. Net Operating Loss (NOL) carryback provisions, tax credit for homebuyers who purchase a home in foreclosure, provision allowing for an additional standard deduction for real property taxes for non-itemizers, and extension of Energy Star tax credit for MH manufacturers. H.R. 2895 - National Housing Trust Fund - Establishes the National Affordable Housing Trust Fund in the Treasury of the United States to provide for the construction, rehabilitation, and preservation of decent, safe and affordable housing for low-income families. H. R. 5140 - House Stimulus package- Provides economic stimulus through recovery rebates to individuals, incentives for business investment, and an increase in conforming and FHA loan limits FHA Permanent Foundation Requirements for Manufactured Homes - 24 CRF 203.47f - In lieu of installing HUD Code homes in accordance with the Guide to Permanent Foundations, FHA will be proposing to adopt the HUD Model Installation Standard (or state equivalent) as its permanent foundation requirement HUD Proposed Rule - GSE Affordable Housing Goals-24 CFR Part 81-Proposed rule will establish the housing goals (effective 2009) for the GSEs. HUD Proposed Rule - Reform of the Real Estate Procedures Act (RESPA)-24 CFR Parts 203 and 3500-Proposed rule would require lenders to itemize borrower costs on an enhanced Good Faith Estimate. Lenders to disclose Yield Spread Premiums paid to brokers. New penalties for RESPA violations. Federal Reserve Proposed Rule - Regulation Z Reform- 12CFR Part 226 Fed proposed defines "higher prices mortgage loans" (HPML as any loan with an APR 3pts above yield on t-bills with comparable terms. Rules provides that HPML lenders required to consider borrower's ability to repay, verify income, escrow taxes and insurance, and are not permitted to use prepayment penalties FHA Title II Morgagee Letter "Manufactured Housing Policy Guidance" - "Manufactured Housing Policy Guidance"-The letter covers a host of issues under the topic of property eligiblity and underwriting eligibility. The letter indicates FHA's desire to receive invoices and supporting documentation for all site-work from installers and subcontractors. This documentation is not required for site-built construction loans and is excessive considering all homes are appraised by FHA approved appraisers. H.R. 6078- The Green Act-Estabishes certain energy efficiency and green building criteria for housing programs funded by the federal government. H.R. 958-Data Accountablity and Trust Act-Protects consumers by requiring reasonable security policies and procedures to protect computerized data containing personal information, and to provide for a nationwide notice in the event of a security breach. S. 495-Personal Data Privacy and Security Act-Prevents and mitigate identity theft, to ensure privacy, to provide notice of security breaches, and to enhance criminal penalties, law enforcement assistance, and other protections against security breaches, fraudulent access, and misuse of personally identifiable information.

H. R. 1427 - Government Sponsored Enterprises Reform (GSE)-Reform the regulation of certain housing relating to GSEs. H. R. 2139 - Federal Housing Administration Title I Reform (FHA Title I)-Modernizes the FHA Title I program (home only). S. 1741 - Federal Housing Adminstration Title I Reform (FHA Title I) Modernizes the FHA Title I program (home only). H. R. 1852/1752 - Federal Housing Adminstration Title II Reform-Modernize the National Housing Act. S. 2328 Federal Housing Adminstration Title I & II Reform-Contains comprehensive FHA reform package that incorporates S.1741. Includes authorization for MH condominiums and steamlines procedures for FHA loans that are subject to long-term leases. H.R. 3221/S. 2636 Foreclosure Prevention Act-Comprehensive FHA Title I and Title II Reform. Net Operating Loss (NOL) carryback provisions, tax credit for homebuyers who purchase a home in foreclosure, provision allowing for an additional standard deduction for real property taxes for non-itemizers, and extension of Energy Star tax credit for MH manufacturers. H.R. 2895 - National Housing Trust Fund - Establishes the National Affordable Housing Trust Fund in the Treasury of the United States to provide for the construction, rehabilitation, and preservation of decent, safe and affordable housing for low-income families. H. R. 5140 - House Stimulus package- Provides economic stimulus through recovery rebates to individuals, incentives for business investment, and an increase in conforming and FHA loan limits FHA Permanent Foundation Requirements for Manufactured Homes - 24 CRF 203.47f - In lieu of installing HUD Code homes in accordance with the Guide to Permanent Foundations, FHA will be proposing to adopt the HUD Model Installation Standard (or state equivalent) as its permanent foundation requirement HUD Proposed Rule - GSE Affordable Housing Goals-24 CFR Part 81-Proposed rule will establish the housing goals (effective 2009) for the GSEs. HUD Proposed Rule - Reform of the Real Estate Procedures Act (RESPA)-24 CFR Parts 203 and 3500-Proposed rule would require lenders to itemize borrower costs on an enhanced Good Faith Estimate. Lenders to disclose Yield Spread Premiums paid to brokers. New penalties for RESPA violations. Federal Reserve Proposed Rule - Regulation Z Reform- 12CFR Part 226 Fed proposed defines "higher prices mortgage loans" (HPML as any loan with an APR 3pts above yield on t-bills with comparable terms. Rules provides that HPML lenders required to consider borrower's ability to repay, verify income, escrow taxes and insurance, and are not permitted to use prepayment penalties FHA Title II Morgagee Letter "Manufactured Housing Policy Guidance" - "Manufactured Housing Policy Guidance"-The letter covers a host of issues under the topic of property eligiblity and underwriting eligibility. The letter indicates FHA's desire to receive invoices and supporting documentation for all site-work from installers and subcontractors. This documentation is not required for site-built construction loans and is excessive considering all homes are appraised by FHA approved appraisers. H.R. 6078- The Green Act-Estabishes certain energy efficiency and green building criteria for housing programs funded by the federal government. H.R. 958-Data Accountablity and Trust Act-Protects consumers by requiring reasonable security policies and procedures to protect computerized data containing personal information, and to provide for a nationwide notice in the event of a security breach. S. 495-Personal Data Privacy and Security Act-Prevents and mitigate identity theft, to ensure privacy, to provide notice of security breaches, and to enhance criminal penalties, law enforcement assistance, and other protections against security breaches, fraudulent access, and misuse of personally identifiable information.

H. R. 1427 - Government Sponsored Enterprises Reform (GSE) H. R. 2139 - Federal Housing Administration Title I Reform (FHA Title I) S. 1741 - Federal Housing Adminstration Title I Reform (FHA Title I) H. R. 1852/1752 - Federal Housing Adminstration Title II Reform S. 2328 Federal Housing Adminstration Title I & II Reform H.R. 3221/S. 2636 Foreclosure Prevention Act H.R. 2895 - National Housing Trust Fund H. R. 5140 - House Stimulus package FHA Permanent Foundation Requirements for Manufactured Homes - 24 CRF 203.47f HUD Proposed Rule - GSE Affordable Housing Goals HUD Proposed Rule - Reform of the Real Estate Procedures Act (RESPA) Federal Reserve Proposed Rule - Regulation Z Reform Proposed FHA Title II Morgagee Letter "Manufactured Housing Policy Guidance"

H. R. 1427 - Government Sponsored Enterprises Reform (GSE) H. R. 2139 - Federal Housing Administration Title I Reform (FHA Title I) S. 1741 - Federal Housing Adminstration Title I Reform (FHA Title I) H. R. 1852/1752 - Federal Housing Adminstration Title II Reform S. 2328 Federal Housing Adminstration Title I & II Reform H.R. 3221/S. 2636 Foreclosure Prevention Act H.R. 2895 - National Housing Trust Fund H. R. 5140 - House Stimulus package FHA Permanent Foundation Requirements for Manufactured Homes - 24 CRF 203.47f HUD Proposed Rule - GSE Affordable Housing Goals HUD Proposed Rule - Reform of the Real Estate Procedures Act (RESPA) Federal Reserve Proposed Rule - Regulation Z Reform Proposed FHA Title II Morgagee Letter "Manufactured Housing Policy Guidance"

H. R. 1427 - Government Sponsored Enterprises Reform (GSE)-Reform the regulation of certain housing relating to GSEs. H. R. 2139 - Federal Housing Administration Title I Reform (FHA Title I)-Modernizes the FHA Title I program (home only). S. 1741 - Federal Housing Adminstration Title I Reform (FHA Title I) Modernizes the FHA Title I program (home only). H. R. 1852/1752 - Federal Housing Adminstration Title II Reform-Modernize the National Housing Act. S. 2328 Federal Housing Adminstration Title I & II Reform-Contains comprehensive FHA reform package that incorporates S.1741. Includes authorization for MH condominiums and steamlines procedures for FHA loans that are subject to long-term leases. H.R. 3221/S. 2636 Foreclosure Prevention Act-Comprehensive FHA Title I and Title II Reform. Net Operating Loss (NOL) carryback provisions, tax credit for homebuyers who purchase a home in foreclosure, provision allowing for an additional standard deduction for real property taxes for non-itemizers, and extension of Energy Star tax credit for MH manufacturers. H.R. 2895 - National Housing Trust Fund - Establishes the National Affordable Housing Trust Fund in the Treasury of the United States to provide for the construction, rehabilitation, and preservation of decent, safe and affordable housing for low-income families. H. R. 5140 - House Stimulus package- Provides economic stimulus through recovery rebates to individuals, incentives for business investment, and an increase in conforming and FHA loan limits FHA Permanent Foundation Requirements for Manufactured Homes - 24 CRF 203.47f - In lieu of installing HUD Code homes in accordance with the Guide to Permanent Foundations, FHA will be proposing to adopt the HUD Model Installation Standard (or state equivalent) as its permanent foundation requirement HUD Proposed Rule - GSE Affordable Housing Goals-24 CFR Part 81-Proposed rule will establish the housing goals (effective 2009) for the GSEs. HUD Proposed Rule - Reform of the Real Estate Procedures Act (RESPA)-24 CFR Parts 203 and 3500-Proposed rule would require lenders to itemize borrower costs on an enhanced Good Faith Estimate. Lenders to disclose Yield Spread Premiums paid to brokers. New penalties for RESPA violations. Federal Reserve Proposed Rule - Regulation Z Reform- 12CFR Part 226 Fed proposed defines "higher prices mortgage loans" (HPML as any loan with an APR 3pts above yield on t-bills with comparable terms. Rules provides that HPML lenders required to consider borrower's ability to repay, verify income, escrow taxes and insurance, and are not permitted to use prepayment penalties FHA Title II Morgagee Letter "Manufactured Housing Policy Guidance" - "Manufactured Housing Policy Guidance"-The letter covers a host of issues under the topic of property eligiblity and underwriting eligibility. The letter indicates FHA's desire to receive invoices and supporting documentation for all site-work from installers and subcontractors. This documentation is not required for site-built construction loans and is excessive considering all homes are appraised by FHA approved appraisers. H.R. 6078- The Green Act-Estabishes certain energy efficiency and green building criteria for housing programs funded by the federal government. H.R. 958-Data Accountablity and Trust Act-Protects consumers by requiring reasonable security policies and procedures to protect computerized data containing personal information, and to provide for a nationwide notice in the event of a security breach. S. 495-Personal Data Privacy and Security Act-Prevents and mitigate identity theft, to ensure privacy, to provide notice of security breaches, and to enhance criminal penalties, law enforcement assistance, and other protections against security breaches, fraudulent access, and misuse of personally identifiable information.

H. R. 3609/S. 2133/2136 - Helping Families Save Their Homes in Bankruptcy Act-Addresses the treatment of primary mortgages in foreclosure by allowing bankruptcy judges to modify loan terms

H. R. 3609/S. 2133/2136 - Helping Families Save Their Homes in Bankruptcy Act-Addresses the treatment of primary mortgages in foreclosure by allowing bankruptcy judges to modify loan terms

H. R. 3609/S. 2133/2136 - Helping Families Save Their Homes in Bankruptcy Act

H. R. 3609/S. 2133/2136 - Helping Families Save Their Homes in Bankruptcy Act-Addresses the treatment of primary mortgages in foreclosure by allowing bankruptcy judges to modify loan terms

H. R. 3221/S.2636 Foreclosure Prevention Act-Comprehensive FHA Title I and Title II Reform. Net Operating Loss (NOL) carryback provisions, tax credit for homebuyers who purchase a home in foreclosure, provision allowing for an additional standard deduction for real property taxes for non-itemizers, and extension of Energy Star Tax credit for MH manufacturers. H. R. 1424: Emergency Economic Stabiliazation Act of 2008: Provides authority to the Treasury Secretary to restore liquidity and stability to the U.S. financial system and to ensure the economic well-being of Americans. To include: Purchase of troubled assets and insurance of troubled assets, establishes a financial oversight board, enables forclosure mitigation efforts, and assistance to homeowners. H. R. 5140 - House Stimulus package- Provides economic stimulus through recovery rebates to individuals, incentives for business investment, and an increase in conforming and FHA loan limits FHA Permanent Foundation Requirements for Manufactured Homes - 24 CRF 203.47f - In lieu of installing HUD Code homes in accordance with the Guide to Permanent Foundations, FHA will be proposing to adopt the HUD Model Installation Standard (or state equivalent) as its permanent foundation requirement HUD Proposed Rule - GSE Affordable Housing Goals-24 CFR Part 81-Proposed rule will establish the housing goals (effective 2009) for the GSEs. HUD Proposed Rule - Reform of the Real Estate Procedures Act (RESPA)-24 CFR Parts 203 and 3500-Proposed rule would require lenders to itemize borrower costs on an enhanced Good Faith Estimate. Lenders to disclose Yield Spread Premiums paid to brokers. New penalties for RESPA violations. Federal Reserve Proposed Rule - Regulation Z Reform- 12CFR Part 226 Fed proposed defines "higher prices mortgage loans" (HPML as any loan with an APR 3pts above yield on t-bills with comparable terms. Rules provides that HPML lenders required to consider borrower's ability to repay, verify income, escrow taxes and insurance, and are not permitted to use prepayment penalties FHA Title II Morgagee Letter "Manufactured Housing Policy Guidance" - "Manufactured Housing Policy Guidance"-The letter covers a host of issues under the topic of property eligiblity and underwriting eligibility. The letter indicates FHA's desire to receive invoices and supporting documentation for all site-work from installers and subcontractors. This documentation is not required for site-built construction loans and is excessive considering all homes are appraised by FHA approved appraisers. H.R. 6078- The Green Act-Estabishes certain energy efficiency and green building criteria for housing programs funded by the federal government. H.R. 958-Data Accountablity and Trust Act-Protects consumers by requiring reasonable security policies and procedures to protect computerized data containing personal information, and to provide for a nationwide notice in the event of a security breach. S. 495-Personal Data Privacy and Security Act-Prevents and mitigate identity theft, to ensure privacy, to provide notice of security breaches, and to enhance criminal penalties, law enforcement assistance, and other protections against security breaches, fraudulent access, and misuse of personally identifiable information.

H. R. 1427 - Government Sponsored Enterprises Reform (GSE)-Reform the regulation of certain housing relating to GSEs. H. R. 2139 - Federal Housing Administration Title I Reform (FHA Title I)-Modernizes the FHA Title I program (home only). S. 1741 - Federal Housing Adminstration Title I Reform (FHA Title I) Modernizes the FHA Title I program (home only). H. R. 1852/1752 - Federal Housing Adminstration Title II Reform-Modernize the National Housing Act. S. 2328 Federal Housing Adminstration Title I & II Reform-Contains comprehensive FHA reform package that incorporates S.1741. Includes authorization for MH condominiums and steamlines procedures for FHA loans that are subject to long-term leases. H.R. 3221/S. 2636 Foreclosure Prevention Act-Comprehensive FHA Title I and Title II Reform. Net Operating Loss (NOL) carryback provisions, tax credit for homebuyers who purchase a home in foreclosure, provision allowing for an additional standard deduction for real property taxes for non-itemizers, and extension of Energy Star tax credit for MH manufacturers. H.R. 2895 - National Housing Trust Fund - Establishes the National Affordable Housing Trust Fund in the Treasury of the United States to provide for the construction, rehabilitation, and preservation of decent, safe and affordable housing for low-income families. H. R. 5140 - House Stimulus package- Provides economic stimulus through recovery rebates to individuals, incentives for business investment, and an increase in conforming and FHA loan limits FHA Permanent Foundation Requirements for Manufactured Homes - 24 CRF 203.47f - In lieu of installing HUD Code homes in accordance with the Guide to Permanent Foundations, FHA will be proposing to adopt the HUD Model Installation Standard (or state equivalent) as its permanent foundation requirement HUD Proposed Rule - GSE Affordable Housing Goals-24 CFR Part 81-Proposed rule will establish the housing goals (effective 2009) for the GSEs. HUD Proposed Rule - Reform of the Real Estate Procedures Act (RESPA)-24 CFR Parts 203 and 3500-Proposed rule would require lenders to itemize borrower costs on an enhanced Good Faith Estimate. Lenders to disclose Yield Spread Premiums paid to brokers. New penalties for RESPA violations. Federal Reserve Proposed Rule - Regulation Z Reform- 12CFR Part 226 Fed proposed defines "higher prices mortgage loans" (HPML as any loan with an APR 3pts above yield on t-bills with comparable terms. Rules provides that HPML lenders required to consider borrower's ability to repay, verify income, escrow taxes and insurance, and are not permitted to use prepayment penalties FHA Title II Morgagee Letter "Manufactured Housing Policy Guidance" - "Manufactured Housing Policy Guidance"-The letter covers a host of issues under the topic of property eligiblity and underwriting eligibility. The letter indicates FHA's desire to receive invoices and supporting documentation for all site-work from installers and subcontractors. This documentation is not required for site-built construction loans and is excessive considering all homes are appraised by FHA approved appraisers. H.R. 6078- The Green Act-Estabishes certain energy efficiency and green building criteria for housing programs funded by the federal government. H.R. 958-Data Accountablity and Trust Act-Protects consumers by requiring reasonable security policies and procedures to protect computerized data containing personal information, and to provide for a nationwide notice in the event of a security breach. S. 495-Personal Data Privacy and Security Act-Prevents and mitigate identity theft, to ensure privacy, to provide notice of security breaches, and to enhance criminal penalties, law enforcement assistance, and other protections against security breaches, fraudulent access, and misuse of personally identifiable information.

H. R. 3221/S.2636 Foreclosure Prevention Act-Comprehensive FHA Title I and Title II Reform. Net Operating Loss (NOL) carryback provisions, tax credit for homebuyers who purchase a home in foreclosure, provision allowing for an additional standard deduction for real property taxes for non-itemizers, and extension of Energy Star Tax credit for MH manufacturers. H. R. 1424: Emergency Economic Stabiliazation Act of 2008: Provides authority to the Treasury Secretary to restore liquidity and stability to the U.S. financial system and to ensure the economic well-being of Americans. To include: Purchase of troubled assets and insurance of troubled assets, establishes a financial oversight board, enables forclosure mitigation efforts, and assistance to homeowners. H. R. 5140 - House Stimulus package- Provides economic stimulus through recovery rebates to individuals, incentives for business investment, and an increase in conforming and FHA loan limits FHA Permanent Foundation Requirements for Manufactured Homes - 24 CRF 203.47f - In lieu of installing HUD Code homes in accordance with the Guide to Permanent Foundations, FHA will be proposing to adopt the HUD Model Installation Standard (or state equivalent) as its permanent foundation requirement HUD Proposed Rule - GSE Affordable Housing Goals-24 CFR Part 81-Proposed rule will establish the housing goals (effective 2009) for the GSEs. HUD Proposed Rule - Reform of the Real Estate Procedures Act (RESPA)-24 CFR Parts 203 and 3500-Proposed rule would require lenders to itemize borrower costs on an enhanced Good Faith Estimate. Lenders to disclose Yield Spread Premiums paid to brokers. New penalties for RESPA violations. Federal Reserve Proposed Rule - Regulation Z Reform- 12CFR Part 226 Fed proposed defines "higher prices mortgage loans" (HPML as any loan with an APR 3pts above yield on t-bills with comparable terms. Rules provides that HPML lenders required to consider borrower's ability to repay, verify income, escrow taxes and insurance, and are not permitted to use prepayment penalties FHA Title II Morgagee Letter "Manufactured Housing Policy Guidance" - "Manufactured Housing Policy Guidance"-The letter covers a host of issues under the topic of property eligiblity and underwriting eligibility. The letter indicates FHA's desire to receive invoices and supporting documentation for all site-work from installers and subcontractors. This documentation is not required for site-built construction loans and is excessive considering all homes are appraised by FHA approved appraisers. H.R. 6078- The Green Act-Estabishes certain energy efficiency and green building criteria for housing programs funded by the federal government. H.R. 958-Data Accountablity and Trust Act-Protects consumers by requiring reasonable security policies and procedures to protect computerized data containing personal information, and to provide for a nationwide notice in the event of a security breach. S. 495-Personal Data Privacy and Security Act-Prevents and mitigate identity theft, to ensure privacy, to provide notice of security breaches, and to enhance criminal penalties, law enforcement assistance, and other protections against security breaches, fraudulent access, and misuse of personally identifiable information.

H. R. 3221/S.2636 Foreclosure Prevention Act-Comprehensive FHA Title I and Title II Reform. Net Operating Loss (NOL) carryback provisions, tax credit for homebuyers who purchase a home in foreclosure, provision allowing for an additional standard deduction for real property taxes for non-itemizers, and extension of Energy Star Tax credit for MH manufacturers. H. R. 1424: Emergency Economic Stabiliazation Act of 2008: Provides authority to the Treasury Secretary to restore liquidity and stability to the U.S. financial system and to ensure the economic well-being of Americans. To include: Purchase of troubled assets and insurance of troubled assets, establishes a financial oversight board, enables forclosure mitigation efforts, and assistance to homeowners. H. R. 5140 - House Stimulus package- Provides economic stimulus through recovery rebates to individuals, incentives for business investment, and an increase in conforming and FHA loan limits FHA Permanent Foundation Requirements for Manufactured Homes - 24 CRF 203.47f - In lieu of installing HUD Code homes in accordance with the Guide to Permanent Foundations, FHA will be proposing to adopt the HUD Model Installation Standard (or state equivalent) as its permanent foundation requirement HUD Proposed Rule - GSE Affordable Housing Goals-24 CFR Part 81-Proposed rule will establish the housing goals (effective 2009) for the GSEs. HUD Proposed Rule - Reform of the Real Estate Procedures Act (RESPA)-24 CFR Parts 203 and 3500-Proposed rule would require lenders to itemize borrower costs on an enhanced Good Faith Estimate. Lenders to disclose Yield Spread Premiums paid to brokers. New penalties for RESPA violations. Federal Reserve Proposed Rule - Regulation Z Reform- 12CFR Part 226 Fed proposed defines "higher prices mortgage loans" (HPML as any loan with an APR 3pts above yield on t-bills with comparable terms. Rules provides that HPML lenders required to consider borrower's ability to repay, verify income, escrow taxes and insurance, and are not permitted to use prepayment penalties FHA Title II Morgagee Letter "Manufactured Housing Policy Guidance" - "Manufactured Housing Policy Guidance"-The letter covers a host of issues under the topic of property eligiblity and underwriting eligibility. The letter indicates FHA's desire to receive invoices and supporting documentation for all site-work from installers and subcontractors. This documentation is not required for site-built construction loans and is excessive considering all homes are appraised by FHA approved appraisers. H.R. 6078- The Green Act-Estabishes certain energy efficiency and green building criteria for housing programs funded by the federal government. H.R. 958-Data Accountablity and Trust Act-Protects consumers by requiring reasonable security policies and procedures to protect computerized data containing personal information, and to provide for a nationwide notice in the event of a security breach. S. 495-Personal Data Privacy and Security Act-Prevents and mitigate identity theft, to ensure privacy, to provide notice of security breaches, and to enhance criminal penalties, law enforcement assistance, and other protections against security breaches, fraudulent access, and misuse of personally identifiable information.

H. R. 3221/S.2636 Foreclosure Prevention Act-Comprehensive FHA Title I and Title II Reform. Net Operating Loss (NOL) carryback provisions, tax credit for homebuyers who purchase a home in foreclosure, provision allowing for an additional standard deduction for real property taxes for non-itemizers, and extension of Energy Star Tax credit for MH manufacturers. H. R. 1424: Emergency Economic Stabiliazation Act of 2008: Provides authority to the Treasury Secretary to restore liquidity and stability to the U.S. financial system and to ensure the economic well-being of Americans. To include: Purchase of troubled assets and insurance of troubled assets, establishes a financial oversight board, enables forclosure mitigation efforts, and assistance to homeowners. H. R. 5140 - House Stimulus package- Provides economic stimulus through recovery rebates to individuals, incentives for business investment, and an increase in conforming and FHA loan limits FHA Permanent Foundation Requirements for Manufactured Homes - 24 CRF 203.47f - In lieu of installing HUD Code homes in accordance with the Guide to Permanent Foundations, FHA will be proposing to adopt the HUD Model Installation Standard (or state equivalent) as its permanent foundation requirement HUD Proposed Rule - GSE Affordable Housing Goals-24 CFR Part 81-Proposed rule will establish the housing goals (effective 2009) for the GSEs. HUD Proposed Rule - Reform of the Real Estate Procedures Act (RESPA)-24 CFR Parts 203 and 3500-Proposed rule would require lenders to itemize borrower costs on an enhanced Good Faith Estimate. Lenders to disclose Yield Spread Premiums paid to brokers. New penalties for RESPA violations. Federal Reserve Proposed Rule - Regulation Z Reform- 12CFR Part 226 Fed proposed defines "higher prices mortgage loans" (HPML as any loan with an APR 3pts above yield on t-bills with comparable terms. Rules provides that HPML lenders required to consider borrower's ability to repay, verify income, escrow taxes and insurance, and are not permitted to use prepayment penalties FHA Title II Morgagee Letter "Manufactured Housing Policy Guidance" - "Manufactured Housing Policy Guidance"-The letter covers a host of issues under the topic of property eligiblity and underwriting eligibility. The letter indicates FHA's desire to receive invoices and supporting documentation for all site-work from installers and subcontractors. This documentation is not required for site-built construction loans and is excessive considering all homes are appraised by FHA approved appraisers. H.R. 6078- The Green Act-Estabishes certain energy efficiency and green building criteria for housing programs funded by the federal government. H.R. 958-Data Accountablity and Trust Act-Protects consumers by requiring reasonable security policies and procedures to protect computerized data containing personal information, and to provide for a nationwide notice in the event of a security breach. S. 495-Personal Data Privacy and Security Act-Prevents and mitigate identity theft, to ensure privacy, to provide notice of security breaches, and to enhance criminal penalties, law enforcement assistance, and other protections against security breaches, fraudulent access, and misuse of personally identifiable information.

H. R. 1427 - Government Sponsored Enterprises Reform (GSE)-Reform the regulation of certain housing relating to GSEs. H. R. 2139 - Federal Housing Administration Title I Reform (FHA Title I)-Modernizes the FHA Title I program (home only). S. 1741 - Federal Housing Adminstration Title I Reform (FHA Title I) Modernizes the FHA Title I program (home only). H. R. 1852/1752 - Federal Housing Adminstration Title II Reform-Modernize the National Housing Act. S. 2328 Federal Housing Adminstration Title I & II Reform-Contains comprehensive FHA reform package that incorporates S.1741. Includes authorization for MH condominiums and steamlines procedures for FHA loans that are subject to long-term leases. H.R. 3221/S. 2636 Foreclosure Prevention Act-Comprehensive FHA Title I and Title II Reform. Net Operating Loss (NOL) carryback provisions, tax credit for homebuyers who purchase a home in foreclosure, provision allowing for an additional standard deduction for real property taxes for non-itemizers, and extension of Energy Star tax credit for MH manufacturers. H.R. 2895 - National Housing Trust Fund - Establishes the National Affordable Housing Trust Fund in the Treasury of the United States to provide for the construction, rehabilitation, and preservation of decent, safe and affordable housing for low-income families. H. R. 5140 - House Stimulus package- Provides economic stimulus through recovery rebates to individuals, incentives for business investment, and an increase in conforming and FHA loan limits FHA Permanent Foundation Requirements for Manufactured Homes - 24 CRF 203.47f - In lieu of installing HUD Code homes in accordance with the Guide to Permanent Foundations, FHA will be proposing to adopt the HUD Model Installation Standard (or state equivalent) as its permanent foundation requirement HUD Proposed Rule - GSE Affordable Housing Goals-24 CFR Part 81-Proposed rule will establish the housing goals (effective 2009) for the GSEs. HUD Proposed Rule - Reform of the Real Estate Procedures Act (RESPA)-24 CFR Parts 203 and 3500-Proposed rule would require lenders to itemize borrower costs on an enhanced Good Faith Estimate. Lenders to disclose Yield Spread Premiums paid to brokers. New penalties for RESPA violations. Federal Reserve Proposed Rule - Regulation Z Reform- 12CFR Part 226 Fed proposed defines "higher prices mortgage loans" (HPML as any loan with an APR 3pts above yield on t-bills with comparable terms. Rules provides that HPML lenders required to consider borrower's ability to repay, verify income, escrow taxes and insurance, and are not permitted to use prepayment penalties FHA Title II Morgagee Letter "Manufactured Housing Policy Guidance" - "Manufactured Housing Policy Guidance"-The letter covers a host of issues under the topic of property eligiblity and underwriting eligibility. The letter indicates FHA's desire to receive invoices and supporting documentation for all site-work from installers and subcontractors. This documentation is not required for site-built construction loans and is excessive considering all homes are appraised by FHA approved appraisers. H.R. 6078- The Green Act-Estabishes certain energy efficiency and green building criteria for housing programs funded by the federal government. H.R. 958-Data Accountablity and Trust Act-Protects consumers by requiring reasonable security policies and procedures to protect computerized data containing personal information, and to provide for a nationwide notice in the event of a security breach. S. 495-Personal Data Privacy and Security Act-Prevents and mitigate identity theft, to ensure privacy, to provide notice of security breaches, and to enhance criminal penalties, law enforcement assistance, and other protections against security breaches, fraudulent access, and misuse of personally identifiable information.

H. R. 1427 - Government Sponsored Enterprises Reform (GSE) H. R. 2139 - Federal Housing Administration Title I Reform (FHA Title I) S. 1741 - Federal Housing Adminstration Title I Reform (FHA Title I) H. R. 1852/1752 - Federal Housing Adminstration Title II Reform S. 2328 Federal Housing Adminstration Title I & II Reform H.R. 3221/S. 2636 Foreclosure Prevention Act H.R. 2895 - National Housing Trust Fund H. R. 5140 - House Stimulus package FHA Permanent Foundation Requirements for Manufactured Homes - 24 CRF 203.47f HUD Proposed Rule - GSE Affordable Housing Goals HUD Proposed Rule - Reform of the Real Estate Procedures Act (RESPA) Federal Reserve Proposed Rule - Regulation Z Reform Proposed FHA Title II Morgagee Letter "Manufactured Housing Policy Guidance"

H. R. 1427 - Government Sponsored Enterprises Reform (GSE)-Reform the regulation of certain housing relating to GSEs. H. R. 2139 - Federal Housing Administration Title I Reform (FHA Title I)-Modernizes the FHA Title I program (home only). S. 1741 - Federal Housing Adminstration Title I Reform (FHA Title I) Modernizes the FHA Title I program (home only). H. R. 1852/1752 - Federal Housing Adminstration Title II Reform-Modernize the National Housing Act. S. 2328 Federal Housing Adminstration Title I & II Reform-Contains comprehensive FHA reform package that incorporates S.1741. Includes authorization for MH condominiums and steamlines procedures for FHA loans that are subject to long-term leases. H.R. 3221/S. 2636 Foreclosure Prevention Act-Comprehensive FHA Title I and Title II Reform. Net Operating Loss (NOL) carryback provisions, tax credit for homebuyers who purchase a home in foreclosure, provision allowing for an additional standard deduction for real property taxes for non-itemizers, and extension of Energy Star tax credit for MH manufacturers. H.R. 2895 - National Housing Trust Fund - Establishes the National Affordable Housing Trust Fund in the Treasury of the United States to provide for the construction, rehabilitation, and preservation of decent, safe and affordable housing for low-income families. H. R. 5140 - House Stimulus package- Provides economic stimulus through recovery rebates to individuals, incentives for business investment, and an increase in conforming and FHA loan limits FHA Permanent Foundation Requirements for Manufactured Homes - 24 CRF 203.47f - In lieu of installing HUD Code homes in accordance with the Guide to Permanent Foundations, FHA will be proposing to adopt the HUD Model Installation Standard (or state equivalent) as its permanent foundation requirement HUD Proposed Rule - GSE Affordable Housing Goals-24 CFR Part 81-Proposed rule will establish the housing goals (effective 2009) for the GSEs. HUD Proposed Rule - Reform of the Real Estate Procedures Act (RESPA)-24 CFR Parts 203 and 3500-Proposed rule would require lenders to itemize borrower costs on an enhanced Good Faith Estimate. Lenders to disclose Yield Spread Premiums paid to brokers. New penalties for RESPA violations. Federal Reserve Proposed Rule - Regulation Z Reform- 12CFR Part 226 Fed proposed defines "higher prices mortgage loans" (HPML as any loan with an APR 3pts above yield on t-bills with comparable terms. Rules provides that HPML lenders required to consider borrower's ability to repay, verify income, escrow taxes and insurance, and are not permitted to use prepayment penalties FHA Title II Morgagee Letter "Manufactured Housing Policy Guidance" - "Manufactured Housing Policy Guidance"-The letter covers a host of issues under the topic of property eligiblity and underwriting eligibility. The letter indicates FHA's desire to receive invoices and supporting documentation for all site-work from installers and subcontractors. This documentation is not required for site-built construction loans and is excessive considering all homes are appraised by FHA approved appraisers. H.R. 6078- The Green Act-Estabishes certain energy efficiency and green building criteria for housing programs funded by the federal government. H.R. 958-Data Accountablity and Trust Act-Protects consumers by requiring reasonable security policies and procedures to protect computerized data containing personal information, and to provide for a nationwide notice in the event of a security breach. S. 495-Personal Data Privacy and Security Act-Prevents and mitigate identity theft, to ensure privacy, to provide notice of security breaches, and to enhance criminal penalties, law enforcement assistance, and other protections against security breaches, fraudulent access, and misuse of personally identifiable information.

H. R. 3609/S. 2133/2136 - Helping Families Save Their Homes in Bankruptcy Act-Addresses the treatment of primary mortgages in foreclosure by allowing bankruptcy judges to modify loan terms

H. R. 3609/S. 2133/2136 - Helping Families Save Their Homes in Bankruptcy Act

H. R. 3609/S. 2133/2136 - Helping Families Save Their Homes in Bankruptcy Act-Addresses the treatment of primary mortgages in foreclosure by allowing bankruptcy judges to modify loan terms

H. R. 3609/S. 2133/2136 - Helping Families Save Their Homes in Bankruptcy Act-Addresses the treatment of primary mortgages in foreclosure by allowing bankruptcy judges to modify loan terms

H. R. 1427 - Government Sponsored Enterprises Reform (GSE)-Reform the regulation of certain housing relating to GSEs. H. R. 2139 - Federal Housing Administration Title I Reform (FHA Title I)-Modernizes the FHA Title I program (home only). S. 1741 - Federal Housing Adminstration Title I Reform (FHA Title I) Modernizes the FHA Title I program (home only). H. R. 1852/1752 - Federal Housing Adminstration Title II Reform-Modernize the National Housing Act. S. 2328 Federal Housing Adminstration Title I & II Reform-Contains comprehensive FHA reform package that incorporates S.1741. Includes authorization for MH condominiums and steamlines procedures for FHA loans that are subject to long-term leases. H.R. 3221/S. 2636 Foreclosure Prevention Act-Comprehensive FHA Title I and Title II Reform. Net Operating Loss (NOL) carryback provisions, tax credit for homebuyers who purchase a home in foreclosure, provision allowing for an additional standard deduction for real property taxes for non-itemizers, and extension of Energy Star tax credit for MH manufacturers. H.R. 2895 - National Housing Trust Fund - Establishes the National Affordable Housing Trust Fund in the Treasury of the United States to provide for the construction, rehabilitation, and preservation of decent, safe and affordable housing for low-income families. H. R. 5140 - House Stimulus package- Provides economic stimulus through recovery rebates to individuals, incentives for business investment, and an increase in conforming and FHA loan limits FHA Permanent Foundation Requirements for Manufactured Homes - 24 CRF 203.47f - In lieu of installing HUD Code homes in accordance with the Guide to Permanent Foundations, FHA will be proposing to adopt the HUD Model Installation Standard (or state equivalent) as its permanent foundation requirement HUD Proposed Rule - GSE Affordable Housing Goals-24 CFR Part 81-Proposed rule will establish the housing goals (effective 2009) for the GSEs. HUD Proposed Rule - Reform of the Real Estate Procedures Act (RESPA)-24 CFR Parts 203 and 3500-Proposed rule would require lenders to itemize borrower costs on an enhanced Good Faith Estimate. Lenders to disclose Yield Spread Premiums paid to brokers. New penalties for RESPA violations. Federal Reserve Proposed Rule - Regulation Z Reform- 12CFR Part 226 Fed proposed defines "higher prices mortgage loans" (HPML as any loan with an APR 3pts above yield on t-bills with comparable terms. Rules provides that HPML lenders required to consider borrower's ability to repay, verify income, escrow taxes and insurance, and are not permitted to use prepayment penalties FHA Title II Morgagee Letter "Manufactured Housing Policy Guidance" - "Manufactured Housing Policy Guidance"-The letter covers a host of issues under the topic of property eligiblity and underwriting eligibility. The letter indicates FHA's desire to receive invoices and supporting documentation for all site-work from installers and subcontractors. This documentation is not required for site-built construction loans and is excessive considering all homes are appraised by FHA approved appraisers. H.R. 6078- The Green Act-Estabishes certain energy efficiency and green building criteria for housing programs funded by the federal government. H.R. 958-Data Accountablity and Trust Act-Protects consumers by requiring reasonable security policies and procedures to protect computerized data containing personal information, and to provide for a nationwide notice in the event of a security breach. S. 495-Personal Data Privacy and Security Act-Prevents and mitigate identity theft, to ensure privacy, to provide notice of security breaches, and to enhance criminal penalties, law enforcement assistance, and other protections against security breaches, fraudulent access, and misuse of personally identifiable information.

H. R. 1427 - Government Sponsored Enterprises Reform (GSE) H. R. 2139 - Federal Housing Administration Title I Reform (FHA Title I) S. 1741 - Federal Housing Adminstration Title I Reform (FHA Title I) H. R. 1852/1752 - Federal Housing Adminstration Title II Reform S. 2328 Federal Housing Adminstration Title I & II Reform H.R. 3221/S. 2636 Foreclosure Prevention Act H.R. 2895 - National Housing Trust Fund H. R. 5140 - House Stimulus package FHA Permanent Foundation Requirements for Manufactured Homes - 24 CRF 203.47f HUD Proposed Rule - GSE Affordable Housing Goals HUD Proposed Rule - Reform of the Real Estate Procedures Act (RESPA) Federal Reserve Proposed Rule - Regulation Z Reform Proposed FHA Title II Morgagee Letter "Manufactured Housing Policy Guidance"

H.R. 3915 - Mortgage Reform and Anti-Predatory-Amends the Truth in Lending Act to reform consumer mortgage practices and provide accountablity for such practices S. 2452 - Home Ownership Preservation and Protection Act-Amends the Truth in Lending Act to provide protection to consumers with respect to certain high-cost loans.

H.R. 3915 - Mortgage Reform and Anti-Predatory S. 2452 - Home Ownership Preservation and Protection Act

H. R. 1427 - Government Sponsored Enterprises Reform (GSE) H. R. 2139 - Federal Housing Administration Title I Reform (FHA Title I) S. 1741 - Federal Housing Adminstration Title I Reform (FHA Title I) H. R. 1852/1752 - Federal Housing Adminstration Title II Reform S. 2328 Federal Housing Adminstration Title I & II Reform H.R. 3221/S. 2636 Foreclosure Prevention Act H.R. 2895 - National Housing Trust Fund H. R. 5140 - House Stimulus package FHA Permanent Foundation Requirements for Manufactured Homes - 24 CRF 203.47f HUD Proposed Rule - GSE Affordable Housing Goals HUD Proposed Rule - Reform of the Real Estate Procedures Act (RESPA) Federal Reserve Proposed Rule - Regulation Z Reform Proposed FHA Title II Morgagee Letter "Manufactured Housing Policy Guidance"

H. R. 3221/S.2636 Foreclosure Prevention Act-Comprehensive FHA Title I and Title II Reform. Net Operating Loss (NOL) carryback provisions, tax credit for homebuyers who purchase a home in foreclosure, provision allowing for an additional standard deduction for real property taxes for non-itemizers, and extension of Energy Star Tax credit for MH manufacturers. H. R. 1424: Emergency Economic Stabiliazation Act of 2008: Provides authority to the Treasury Secretary to restore liquidity and stability to the U.S. financial system and to ensure the economic well-being of Americans. To include: Purchase of troubled assets and insurance of troubled assets, establishes a financial oversight board, enables forclosure mitigation efforts, and assistance to homeowners. H. R. 5140 - House Stimulus package- Provides economic stimulus through recovery rebates to individuals, incentives for business investment, and an increase in conforming and FHA loan limits FHA Permanent Foundation Requirements for Manufactured Homes - 24 CRF 203.47f - In lieu of installing HUD Code homes in accordance with the Guide to Permanent Foundations, FHA will be proposing to adopt the HUD Model Installation Standard (or state equivalent) as its permanent foundation requirement HUD Proposed Rule - GSE Affordable Housing Goals-24 CFR Part 81-Proposed rule will establish the housing goals (effective 2009) for the GSEs. HUD Proposed Rule - Reform of the Real Estate Procedures Act (RESPA)-24 CFR Parts 203 and 3500-Proposed rule would require lenders to itemize borrower costs on an enhanced Good Faith Estimate. Lenders to disclose Yield Spread Premiums paid to brokers. New penalties for RESPA violations. Federal Reserve Proposed Rule - Regulation Z Reform- 12CFR Part 226 Fed proposed defines "higher prices mortgage loans" (HPML as any loan with an APR 3pts above yield on t-bills with comparable terms. Rules provides that HPML lenders required to consider borrower's ability to repay, verify income, escrow taxes and insurance, and are not permitted to use prepayment penalties FHA Title II Morgagee Letter "Manufactured Housing Policy Guidance" - "Manufactured Housing Policy Guidance"-The letter covers a host of issues under the topic of property eligiblity and underwriting eligibility. The letter indicates FHA's desire to receive invoices and supporting documentation for all site-work from installers and subcontractors. This documentation is not required for site-built construction loans and is excessive considering all homes are appraised by FHA approved appraisers. H.R. 6078- The Green Act-Estabishes certain energy efficiency and green building criteria for housing programs funded by the federal government. H.R. 958-Data Accountablity and Trust Act-Protects consumers by requiring reasonable security policies and procedures to protect computerized data containing personal information, and to provide for a nationwide notice in the event of a security breach. S. 495-Personal Data Privacy and Security Act-Prevents and mitigate identity theft, to ensure privacy, to provide notice of security breaches, and to enhance criminal penalties, law enforcement assistance, and other protections against security breaches, fraudulent access, and misuse of personally identifiable information.

H. R. 3221/S.2636 Foreclosure Prevention Act-Comprehensive FHA Title I and Title II Reform. Net Operating Loss (NOL) carryback provisions, tax credit for homebuyers who purchase a home in foreclosure, provision allowing for an additional standard deduction for real property taxes for non-itemizers, and extension of Energy Star Tax credit for MH manufacturers. H. R. 1424: Emergency Economic Stabiliazation Act of 2008: Provides authority to the Treasury Secretary to restore liquidity and stability to the U.S. financial system and to ensure the economic well-being of Americans. To include: Purchase of troubled assets and insurance of troubled assets, establishes a financial oversight board, enables forclosure mitigation efforts, and assistance to homeowners. H. R. 5140 - House Stimulus package- Provides economic stimulus through recovery rebates to individuals, incentives for business investment, and an increase in conforming and FHA loan limits FHA Permanent Foundation Requirements for Manufactured Homes - 24 CRF 203.47f - In lieu of installing HUD Code homes in accordance with the Guide to Permanent Foundations, FHA will be proposing to adopt the HUD Model Installation Standard (or state equivalent) as its permanent foundation requirement HUD Proposed Rule - GSE Affordable Housing Goals-24 CFR Part 81-Proposed rule will establish the housing goals (effective 2009) for the GSEs. HUD Proposed Rule - Reform of the Real Estate Procedures Act (RESPA)-24 CFR Parts 203 and 3500-Proposed rule would require lenders to itemize borrower costs on an enhanced Good Faith Estimate. Lenders to disclose Yield Spread Premiums paid to brokers. New penalties for RESPA violations. Federal Reserve Proposed Rule - Regulation Z Reform- 12CFR Part 226 Fed proposed defines "higher prices mortgage loans" (HPML as any loan with an APR 3pts above yield on t-bills with comparable terms. Rules provides that HPML lenders required to consider borrower's ability to repay, verify income, escrow taxes and insurance, and are not permitted to use prepayment penalties FHA Title II Morgagee Letter "Manufactured Housing Policy Guidance" - "Manufactured Housing Policy Guidance"-The letter covers a host of issues under the topic of property eligiblity and underwriting eligibility. The letter indicates FHA's desire to receive invoices and supporting documentation for all site-work from installers and subcontractors. This documentation is not required for site-built construction loans and is excessive considering all homes are appraised by FHA approved appraisers. H.R. 6078- The Green Act-Estabishes certain energy efficiency and green building criteria for housing programs funded by the federal government. H.R. 958-Data Accountablity and Trust Act-Protects consumers by requiring reasonable security policies and procedures to protect computerized data containing personal information, and to provide for a nationwide notice in the event of a security breach. S. 495-Personal Data Privacy and Security Act-Prevents and mitigate identity theft, to ensure privacy, to provide notice of security breaches, and to enhance criminal penalties, law enforcement assistance, and other protections against security breaches, fraudulent access, and misuse of personally identifiable information.

H. R. 1427 - Government Sponsored Enterprises Reform (GSE)-Reform the regulation of certain housing relating to GSEs. H. R. 2139 - Federal Housing Administration Title I Reform (FHA Title I)-Modernizes the FHA Title I program (home only). S. 1741 - Federal Housing Adminstration Title I Reform (FHA Title I) Modernizes the FHA Title I program (home only). H. R. 1852/1752 - Federal Housing Adminstration Title II Reform-Modernize the National Housing Act. S. 2328 Federal Housing Adminstration Title I & II Reform-Contains comprehensive FHA reform package that incorporates S.1741. Includes authorization for MH condominiums and steamlines procedures for FHA loans that are subject to long-term leases. H.R. 3221/S. 2636 Foreclosure Prevention Act-Comprehensive FHA Title I and Title II Reform. Net Operating Loss (NOL) carryback provisions, tax credit for homebuyers who purchase a home in foreclosure, provision allowing for an additional standard deduction for real property taxes for non-itemizers, and extension of Energy Star tax credit for MH manufacturers. H.R. 2895 - National Housing Trust Fund - Establishes the National Affordable Housing Trust Fund in the Treasury of the United States to provide for the construction, rehabilitation, and preservation of decent, safe and affordable housing for low-income families. H. R. 5140 - House Stimulus package- Provides economic stimulus through recovery rebates to individuals, incentives for business investment, and an increase in conforming and FHA loan limits FHA Permanent Foundation Requirements for Manufactured Homes - 24 CRF 203.47f - In lieu of installing HUD Code homes in accordance with the Guide to Permanent Foundations, FHA will be proposing to adopt the HUD Model Installation Standard (or state equivalent) as its permanent foundation requirement HUD Proposed Rule - GSE Affordable Housing Goals-24 CFR Part 81-Proposed rule will establish the housing goals (effective 2009) for the GSEs. HUD Proposed Rule - Reform of the Real Estate Procedures Act (RESPA)-24 CFR Parts 203 and 3500-Proposed rule would require lenders to itemize borrower costs on an enhanced Good Faith Estimate. Lenders to disclose Yield Spread Premiums paid to brokers. New penalties for RESPA violations. Federal Reserve Proposed Rule - Regulation Z Reform- 12CFR Part 226 Fed proposed defines "higher prices mortgage loans" (HPML as any loan with an APR 3pts above yield on t-bills with comparable terms. Rules provides that HPML lenders required to consider borrower's ability to repay, verify income, escrow taxes and insurance, and are not permitted to use prepayment penalties FHA Title II Morgagee Letter "Manufactured Housing Policy Guidance" - "Manufactured Housing Policy Guidance"-The letter covers a host of issues under the topic of property eligiblity and underwriting eligibility. The letter indicates FHA's desire to receive invoices and supporting documentation for all site-work from installers and subcontractors. This documentation is not required for site-built construction loans and is excessive considering all homes are appraised by FHA approved appraisers. H.R. 6078- The Green Act-Estabishes certain energy efficiency and green building criteria for housing programs funded by the federal government. H.R. 958-Data Accountablity and Trust Act-Protects consumers by requiring reasonable security policies and procedures to protect computerized data containing personal information, and to provide for a nationwide notice in the event of a security breach. S. 495-Personal Data Privacy and Security Act-Prevents and mitigate identity theft, to ensure privacy, to provide notice of security breaches, and to enhance criminal penalties, law enforcement assistance, and other protections against security breaches, fraudulent access, and misuse of personally identifiable information.

H. R. 3221/S.2636 Foreclosure Prevention Act-Comprehensive FHA Title I and Title II Reform. Net Operating Loss (NOL) carryback provisions, tax credit for homebuyers who purchase a home in foreclosure, provision allowing for an additional standard deduction for real property taxes for non-itemizers, and extension of Energy Star Tax credit for MH manufacturers. H. R. 1424: Emergency Economic Stabiliazation Act of 2008: Provides authority to the Treasury Secretary to restore liquidity and stability to the U.S. financial system and to ensure the economic well-being of Americans. To include: Purchase of troubled assets and insurance of troubled assets, establishes a financial oversight board, enables forclosure mitigation efforts, and assistance to homeowners. H. R. 5140 - House Stimulus package- Provides economic stimulus through recovery rebates to individuals, incentives for business investment, and an increase in conforming and FHA loan limits FHA Permanent Foundation Requirements for Manufactured Homes - 24 CRF 203.47f - In lieu of installing HUD Code homes in accordance with the Guide to Permanent Foundations, FHA will be proposing to adopt the HUD Model Installation Standard (or state equivalent) as its permanent foundation requirement HUD Proposed Rule - GSE Affordable Housing Goals-24 CFR Part 81-Proposed rule will establish the housing goals (effective 2009) for the GSEs. HUD Proposed Rule - Reform of the Real Estate Procedures Act (RESPA)-24 CFR Parts 203 and 3500-Proposed rule would require lenders to itemize borrower costs on an enhanced Good Faith Estimate. Lenders to disclose Yield Spread Premiums paid to brokers. New penalties for RESPA violations. Federal Reserve Proposed Rule - Regulation Z Reform- 12CFR Part 226 Fed proposed defines "higher prices mortgage loans" (HPML as any loan with an APR 3pts above yield on t-bills with comparable terms. Rules provides that HPML lenders required to consider borrower's ability to repay, verify income, escrow taxes and insurance, and are not permitted to use prepayment penalties FHA Title II Morgagee Letter "Manufactured Housing Policy Guidance" - "Manufactured Housing Policy Guidance"-The letter covers a host of issues under the topic of property eligiblity and underwriting eligibility. The letter indicates FHA's desire to receive invoices and supporting documentation for all site-work from installers and subcontractors. This documentation is not required for site-built construction loans and is excessive considering all homes are appraised by FHA approved appraisers. H.R. 6078- The Green Act-Estabishes certain energy efficiency and green building criteria for housing programs funded by the federal government. H.R. 958-Data Accountablity and Trust Act-Protects consumers by requiring reasonable security policies and procedures to protect computerized data containing personal information, and to provide for a nationwide notice in the event of a security breach. S. 495-Personal Data Privacy and Security Act-Prevents and mitigate identity theft, to ensure privacy, to provide notice of security breaches, and to enhance criminal penalties, law enforcement assistance, and other protections against security breaches, fraudulent access, and misuse of personally identifiable information.

H. R. 3221/S.2636 Foreclosure Prevention Act-Comprehensive FHA Title I and Title II Reform. Net Operating Loss (NOL) carryback provisions, tax credit for homebuyers who purchase a home in foreclosure, provision allowing for an additional standard deduction for real property taxes for non-itemizers, and extension of Energy Star Tax credit for MH manufacturers. H. R. 1424: Emergency Economic Stabiliazation Act of 2008: Provides authority to the Treasury Secretary to restore liquidity and stability to the U.S. financial system and to ensure the economic well-being of Americans. To include: Purchase of troubled assets and insurance of troubled assets, establishes a financial oversight board, enables forclosure mitigation efforts, and assistance to homeowners. H. R. 5140 - House Stimulus package- Provides economic stimulus through recovery rebates to individuals, incentives for business investment, and an increase in conforming and FHA loan limits FHA Permanent Foundation Requirements for Manufactured Homes - 24 CRF 203.47f - In lieu of installing HUD Code homes in accordance with the Guide to Permanent Foundations, FHA will be proposing to adopt the HUD Model Installation Standard (or state equivalent) as its permanent foundation requirement HUD Proposed Rule - GSE Affordable Housing Goals-24 CFR Part 81-Proposed rule will establish the housing goals (effective 2009) for the GSEs. HUD Proposed Rule - Reform of the Real Estate Procedures Act (RESPA)-24 CFR Parts 203 and 3500-Proposed rule would require lenders to itemize borrower costs on an enhanced Good Faith Estimate. Lenders to disclose Yield Spread Premiums paid to brokers. New penalties for RESPA violations. Federal Reserve Proposed Rule - Regulation Z Reform- 12CFR Part 226 Fed proposed defines "higher prices mortgage loans" (HPML as any loan with an APR 3pts above yield on t-bills with comparable terms. Rules provides that HPML lenders required to consider borrower's ability to repay, verify income, escrow taxes and insurance, and are not permitted to use prepayment penalties FHA Title II Morgagee Letter "Manufactured Housing Policy Guidance" - "Manufactured Housing Policy Guidance"-The letter covers a host of issues under the topic of property eligiblity and underwriting eligibility. The letter indicates FHA's desire to receive invoices and supporting documentation for all site-work from installers and subcontractors. This documentation is not required for site-built construction loans and is excessive considering all homes are appraised by FHA approved appraisers. H.R. 6078- The Green Act-Estabishes certain energy efficiency and green building criteria for housing programs funded by the federal government. H.R. 958-Data Accountablity and Trust Act-Protects consumers by requiring reasonable security policies and procedures to protect computerized data containing personal information, and to provide for a nationwide notice in the event of a security breach. S. 495-Personal Data Privacy and Security Act-Prevents and mitigate identity theft, to ensure privacy, to provide notice of security breaches, and to enhance criminal penalties, law enforcement assistance, and other protections against security breaches, fraudulent access, and misuse of personally identifiable information.

H. R. 1427 - Government Sponsored Enterprises Reform (GSE)-Reform the regulation of certain housing relating to GSEs. H. R. 2139 - Federal Housing Administration Title I Reform (FHA Title I)-Modernizes the FHA Title I program (home only). S. 1741 - Federal Housing Adminstration Title I Reform (FHA Title I) Modernizes the FHA Title I program (home only). H. R. 1852/1752 - Federal Housing Adminstration Title II Reform-Modernize the National Housing Act. S. 2328 Federal Housing Adminstration Title I & II Reform-Contains comprehensive FHA reform package that incorporates S.1741. Includes authorization for MH condominiums and steamlines procedures for FHA loans that are subject to long-term leases. H.R. 3221/S. 2636 Foreclosure Prevention Act-Comprehensive FHA Title I and Title II Reform. Net Operating Loss (NOL) carryback provisions, tax credit for homebuyers who purchase a home in foreclosure, provision allowing for an additional standard deduction for real property taxes for non-itemizers, and extension of Energy Star tax credit for MH manufacturers. H.R. 2895 - National Housing Trust Fund - Establishes the National Affordable Housing Trust Fund in the Treasury of the United States to provide for the construction, rehabilitation, and preservation of decent, safe and affordable housing for low-income families. H. R. 5140 - House Stimulus package- Provides economic stimulus through recovery rebates to individuals, incentives for business investment, and an increase in conforming and FHA loan limits FHA Permanent Foundation Requirements for Manufactured Homes - 24 CRF 203.47f - In lieu of installing HUD Code homes in accordance with the Guide to Permanent Foundations, FHA will be proposing to adopt the HUD Model Installation Standard (or state equivalent) as its permanent foundation requirement HUD Proposed Rule - GSE Affordable Housing Goals-24 CFR Part 81-Proposed rule will establish the housing goals (effective 2009) for the GSEs. HUD Proposed Rule - Reform of the Real Estate Procedures Act (RESPA)-24 CFR Parts 203 and 3500-Proposed rule would require lenders to itemize borrower costs on an enhanced Good Faith Estimate. Lenders to disclose Yield Spread Premiums paid to brokers. New penalties for RESPA violations. Federal Reserve Proposed Rule - Regulation Z Reform- 12CFR Part 226 Fed proposed defines "higher prices mortgage loans" (HPML as any loan with an APR 3pts above yield on t-bills with comparable terms. Rules provides that HPML lenders required to consider borrower's ability to repay, verify income, escrow taxes and insurance, and are not permitted to use prepayment penalties FHA Title II Morgagee Letter "Manufactured Housing Policy Guidance" - "Manufactured Housing Policy Guidance"-The letter covers a host of issues under the topic of property eligiblity and underwriting eligibility. The letter indicates FHA's desire to receive invoices and supporting documentation for all site-work from installers and subcontractors. This documentation is not required for site-built construction loans and is excessive considering all homes are appraised by FHA approved appraisers. H.R. 6078- The Green Act-Estabishes certain energy efficiency and green building criteria for housing programs funded by the federal government. H.R. 958-Data Accountablity and Trust Act-Protects consumers by requiring reasonable security policies and procedures to protect computerized data containing personal information, and to provide for a nationwide notice in the event of a security breach. S. 495-Personal Data Privacy and Security Act-Prevents and mitigate identity theft, to ensure privacy, to provide notice of security breaches, and to enhance criminal penalties, law enforcement assistance, and other protections against security breaches, fraudulent access, and misuse of personally identifiable information.

H. R. 1427 - Government Sponsored Enterprises Reform (GSE) H. R. 2139 - Federal Housing Administration Title I Reform (FHA Title I) S. 1741 - Federal Housing Adminstration Title I Reform (FHA Title I) H. R. 1852/1752 - Federal Housing Adminstration Title II Reform S. 2328 Federal Housing Adminstration Title I & II Reform H.R. 3221/S. 2636 Foreclosure Prevention Act H.R. 2895 - National Housing Trust Fund H. R. 5140 - House Stimulus package FHA Permanent Foundation Requirements for Manufactured Homes - 24 CRF 203.47f HUD Proposed Rule - GSE Affordable Housing Goals HUD Proposed Rule - Reform of the Real Estate Procedures Act (RESPA) Federal Reserve Proposed Rule - Regulation Z Reform Proposed FHA Title II Morgagee Letter "Manufactured Housing Policy Guidance"

H. R. 1427 - Government Sponsored Enterprises Reform (GSE)-Reform the regulation of certain housing relating to GSEs. H. R. 2139 - Federal Housing Administration Title I Reform (FHA Title I)-Modernizes the FHA Title I program (home only). S. 1741 - Federal Housing Adminstration Title I Reform (FHA Title I) Modernizes the FHA Title I program (home only). H. R. 1852/1752 - Federal Housing Adminstration Title II Reform-Modernize the National Housing Act. S. 2328 Federal Housing Adminstration Title I & II Reform-Contains comprehensive FHA reform package that incorporates S.1741. Includes authorization for MH condominiums and steamlines procedures for FHA loans that are subject to long-term leases. H.R. 3221/S. 2636 Foreclosure Prevention Act-Comprehensive FHA Title I and Title II Reform. Net Operating Loss (NOL) carryback provisions, tax credit for homebuyers who purchase a home in foreclosure, provision allowing for an additional standard deduction for real property taxes for non-itemizers, and extension of Energy Star tax credit for MH manufacturers. H.R. 2895 - National Housing Trust Fund - Establishes the National Affordable Housing Trust Fund in the Treasury of the United States to provide for the construction, rehabilitation, and preservation of decent, safe and affordable housing for low-income families. H. R. 5140 - House Stimulus package- Provides economic stimulus through recovery rebates to individuals, incentives for business investment, and an increase in conforming and FHA loan limits FHA Permanent Foundation Requirements for Manufactured Homes - 24 CRF 203.47f - In lieu of installing HUD Code homes in accordance with the Guide to Permanent Foundations, FHA will be proposing to adopt the HUD Model Installation Standard (or state equivalent) as its permanent foundation requirement HUD Proposed Rule - GSE Affordable Housing Goals-24 CFR Part 81-Proposed rule will establish the housing goals (effective 2009) for the GSEs. HUD Proposed Rule - Reform of the Real Estate Procedures Act (RESPA)-24 CFR Parts 203 and 3500-Proposed rule would require lenders to itemize borrower costs on an enhanced Good Faith Estimate. Lenders to disclose Yield Spread Premiums paid to brokers. New penalties for RESPA violations. Federal Reserve Proposed Rule - Regulation Z Reform- 12CFR Part 226 Fed proposed defines "higher prices mortgage loans" (HPML as any loan with an APR 3pts above yield on t-bills with comparable terms. Rules provides that HPML lenders required to consider borrower's ability to repay, verify income, escrow taxes and insurance, and are not permitted to use prepayment penalties FHA Title II Morgagee Letter "Manufactured Housing Policy Guidance" - "Manufactured Housing Policy Guidance"-The letter covers a host of issues under the topic of property eligiblity and underwriting eligibility. The letter indicates FHA's desire to receive invoices and supporting documentation for all site-work from installers and subcontractors. This documentation is not required for site-built construction loans and is excessive considering all homes are appraised by FHA approved appraisers. H.R. 6078- The Green Act-Estabishes certain energy efficiency and green building criteria for housing programs funded by the federal government. H.R. 958-Data Accountablity and Trust Act-Protects consumers by requiring reasonable security policies and procedures to protect computerized data containing personal information, and to provide for a nationwide notice in the event of a security breach. S. 495-Personal Data Privacy and Security Act-Prevents and mitigate identity theft, to ensure privacy, to provide notice of security breaches, and to enhance criminal penalties, law enforcement assistance, and other protections against security breaches, fraudulent access, and misuse of personally identifiable information.

H. R. 1427 - Government Sponsored Enterprises Reform (GSE) H. R. 2139 - Federal Housing Administration Title I Reform (FHA Title I) S. 1741 - Federal Housing Adminstration Title I Reform (FHA Title I) H. R. 1852/1752 - Federal Housing Adminstration Title II Reform S. 2328 Federal Housing Adminstration Title I & II Reform H.R. 3221/S. 2636 Foreclosure Prevention Act H.R. 2895 - National Housing Trust Fund H. R. 5140 - House Stimulus package FHA Permanent Foundation Requirements for Manufactured Homes - 24 CRF 203.47f HUD Proposed Rule - GSE Affordable Housing Goals HUD Proposed Rule - Reform of the Real Estate Procedures Act (RESPA) Federal Reserve Proposed Rule - Regulation Z Reform Proposed FHA Title II Morgagee Letter "Manufactured Housing Policy Guidance"

H. R. 1427 - Government Sponsored Enterprises Reform (GSE)-Reform the regulation of certain housing relating to GSEs. H. R. 2139 - Federal Housing Administration Title I Reform (FHA Title I)-Modernizes the FHA Title I program (home only). S. 1741 - Federal Housing Adminstration Title I Reform (FHA Title I) Modernizes the FHA Title I program (home only). H. R. 1852/1752 - Federal Housing Adminstration Title II Reform-Modernize the National Housing Act. S. 2328 Federal Housing Adminstration Title I & II Reform-Contains comprehensive FHA reform package that incorporates S.1741. Includes authorization for MH condominiums and steamlines procedures for FHA loans that are subject to long-term leases. H.R. 3221/S. 2636 Foreclosure Prevention Act-Comprehensive FHA Title I and Title II Reform. Net Operating Loss (NOL) carryback provisions, tax credit for homebuyers who purchase a home in foreclosure, provision allowing for an additional standard deduction for real property taxes for non-itemizers, and extension of Energy Star tax credit for MH manufacturers. H.R. 2895 - National Housing Trust Fund - Establishes the National Affordable Housing Trust Fund in the Treasury of the United States to provide for the construction, rehabilitation, and preservation of decent, safe and affordable housing for low-income families. H. R. 5140 - House Stimulus package- Provides economic stimulus through recovery rebates to individuals, incentives for business investment, and an increase in conforming and FHA loan limits FHA Permanent Foundation Requirements for Manufactured Homes - 24 CRF 203.47f - In lieu of installing HUD Code homes in accordance with the Guide to Permanent Foundations, FHA will be proposing to adopt the HUD Model Installation Standard (or state equivalent) as its permanent foundation requirement HUD Proposed Rule - GSE Affordable Housing Goals-24 CFR Part 81-Proposed rule will establish the housing goals (effective 2009) for the GSEs. HUD Proposed Rule - Reform of the Real Estate Procedures Act (RESPA)-24 CFR Parts 203 and 3500-Proposed rule would require lenders to itemize borrower costs on an enhanced Good Faith Estimate. Lenders to disclose Yield Spread Premiums paid to brokers. New penalties for RESPA violations. Federal Reserve Proposed Rule - Regulation Z Reform- 12CFR Part 226 Fed proposed defines "higher prices mortgage loans" (HPML as any loan with an APR 3pts above yield on t-bills with comparable terms. Rules provides that HPML lenders required to consider borrower's ability to repay, verify income, escrow taxes and insurance, and are not permitted to use prepayment penalties FHA Title II Morgagee Letter "Manufactured Housing Policy Guidance" - "Manufactured Housing Policy Guidance"-The letter covers a host of issues under the topic of property eligiblity and underwriting eligibility. The letter indicates FHA's desire to receive invoices and supporting documentation for all site-work from installers and subcontractors. This documentation is not required for site-built construction loans and is excessive considering all homes are appraised by FHA approved appraisers. H.R. 6078- The Green Act-Estabishes certain energy efficiency and green building criteria for housing programs funded by the federal government. H.R. 958-Data Accountablity and Trust Act-Protects consumers by requiring reasonable security policies and procedures to protect computerized data containing personal information, and to provide for a nationwide notice in the event of a security breach. S. 495-Personal Data Privacy and Security Act-Prevents and mitigate identity theft, to ensure privacy, to provide notice of security breaches, and to enhance criminal penalties, law enforcement assistance, and other protections against security breaches, fraudulent access, and misuse of personally identifiable information.

H.R. 3915 - Mortgage Reform and Anti-Predatory-Amends the Truth in Lending Act to reform consumer mortgage practices and provide accountablity for such practices

H.R. 3915 - Mortgage Reform and Anti-Predatory S. 2452 - Home Ownership Preservation and Protection Act

H.R. 3915 - Mortgage Reform and Anti-Predatory-Amends the Truth in Lending Act to reform consumer mortgage practices and provide accountablity for such practices

H.R. 3915 - Mortgage Reform and Anti-Predatory-Amends the Truth in Lending Act to reform consumer mortgage practices and provide accountablity for such practices S. 2452 - Home Ownership Preservation and Protection Act-Amends the Truth in Lending Act to provide protection to consumers with respect to certain high-cost loans.

H. R. 1427 - Government Sponsored Enterprises Reform (GSE) H. R. 2139 - Federal Housing Administration Title I Reform (FHA Title I) S. 1741 - Federal Housing Adminstration Title I Reform (FHA Title I) H. R. 1852/1752 - Federal Housing Adminstration Title II Reform S. 2328 Federal Housing Adminstration Title I & II Reform H.R. 3221/S. 2636 Foreclosure Prevention Act H.R. 2895 - National Housing Trust Fund H. R. 5140 - House Stimulus package FHA Permanent Foundation Requirements for Manufactured Homes - 24 CRF 203.47f HUD Proposed Rule - GSE Affordable Housing Goals HUD Proposed Rule - Reform of the Real Estate Procedures Act (RESPA) Federal Reserve Proposed Rule - Regulation Z Reform Proposed FHA Title II Morgagee Letter "Manufactured Housing Policy Guidance"

H. R. 1427 - Government Sponsored Enterprises Reform (GSE)-Reform the regulation of certain housing relating to GSEs. H. R. 2139 - Federal Housing Administration Title I Reform (FHA Title I)-Modernizes the FHA Title I program (home only). S. 1741 - Federal Housing Adminstration Title I Reform (FHA Title I) Modernizes the FHA Title I program (home only). H. R. 1852/1752 - Federal Housing Adminstration Title II Reform-Modernize the National Housing Act. S. 2328 Federal Housing Adminstration Title I & II Reform-Contains comprehensive FHA reform package that incorporates S.1741. Includes authorization for MH condominiums and steamlines procedures for FHA loans that are subject to long-term leases. H.R. 3221/S. 2636 Foreclosure Prevention Act-Comprehensive FHA Title I and Title II Reform. Net Operating Loss (NOL) carryback provisions, tax credit for homebuyers who purchase a home in foreclosure, provision allowing for an additional standard deduction for real property taxes for non-itemizers, and extension of Energy Star tax credit for MH manufacturers. H.R. 2895 - National Housing Trust Fund - Establishes the National Affordable Housing Trust Fund in the Treasury of the United States to provide for the construction, rehabilitation, and preservation of decent, safe and affordable housing for low-income families. H. R. 5140 - House Stimulus package- Provides economic stimulus through recovery rebates to individuals, incentives for business investment, and an increase in conforming and FHA loan limits FHA Permanent Foundation Requirements for Manufactured Homes - 24 CRF 203.47f - In lieu of installing HUD Code homes in accordance with the Guide to Permanent Foundations, FHA will be proposing to adopt the HUD Model Installation Standard (or state equivalent) as its permanent foundation requirement HUD Proposed Rule - GSE Affordable Housing Goals-24 CFR Part 81-Proposed rule will establish the housing goals (effective 2009) for the GSEs. HUD Proposed Rule - Reform of the Real Estate Procedures Act (RESPA)-24 CFR Parts 203 and 3500-Proposed rule would require lenders to itemize borrower costs on an enhanced Good Faith Estimate. Lenders to disclose Yield Spread Premiums paid to brokers. New penalties for RESPA violations. Federal Reserve Proposed Rule - Regulation Z Reform- 12CFR Part 226 Fed proposed defines "higher prices mortgage loans" (HPML as any loan with an APR 3pts above yield on t-bills with comparable terms. Rules provides that HPML lenders required to consider borrower's ability to repay, verify income, escrow taxes and insurance, and are not permitted to use prepayment penalties FHA Title II Morgagee Letter "Manufactured Housing Policy Guidance" - "Manufactured Housing Policy Guidance"-The letter covers a host of issues under the topic of property eligiblity and underwriting eligibility. The letter indicates FHA's desire to receive invoices and supporting documentation for all site-work from installers and subcontractors. This documentation is not required for site-built construction loans and is excessive considering all homes are appraised by FHA approved appraisers. H.R. 6078- The Green Act-Estabishes certain energy efficiency and green building criteria for housing programs funded by the federal government. H.R. 958-Data Accountablity and Trust Act-Protects consumers by requiring reasonable security policies and procedures to protect computerized data containing personal information, and to provide for a nationwide notice in the event of a security breach. S. 495-Personal Data Privacy and Security Act-Prevents and mitigate identity theft, to ensure privacy, to provide notice of security breaches, and to enhance criminal penalties, law enforcement assistance, and other protections against security breaches, fraudulent access, and misuse of personally identifiable information.

H. R. 3221/S.2636 Foreclosure Prevention Act-Comprehensive FHA Title I and Title II Reform. Net Operating Loss (NOL) carryback provisions, tax credit for homebuyers who purchase a home in foreclosure, provision allowing for an additional standard deduction for real property taxes for non-itemizers, and extension of Energy Star Tax credit for MH manufacturers. H. R. 1424: Emergency Economic Stabiliazation Act of 2008: Provides authority to the Treasury Secretary to restore liquidity and stability to the U.S. financial system and to ensure the economic well-being of Americans. To include: Purchase of troubled assets and insurance of troubled assets, establishes a financial oversight board, enables forclosure mitigation efforts, and assistance to homeowners. H. R. 5140 - House Stimulus package- Provides economic stimulus through recovery rebates to individuals, incentives for business investment, and an increase in conforming and FHA loan limits FHA Permanent Foundation Requirements for Manufactured Homes - 24 CRF 203.47f - In lieu of installing HUD Code homes in accordance with the Guide to Permanent Foundations, FHA will be proposing to adopt the HUD Model Installation Standard (or state equivalent) as its permanent foundation requirement HUD Proposed Rule - GSE Affordable Housing Goals-24 CFR Part 81-Proposed rule will establish the housing goals (effective 2009) for the GSEs. HUD Proposed Rule - Reform of the Real Estate Procedures Act (RESPA)-24 CFR Parts 203 and 3500-Proposed rule would require lenders to itemize borrower costs on an enhanced Good Faith Estimate. Lenders to disclose Yield Spread Premiums paid to brokers. New penalties for RESPA violations. Federal Reserve Proposed Rule - Regulation Z Reform- 12CFR Part 226 Fed proposed defines "higher prices mortgage loans" (HPML as any loan with an APR 3pts above yield on t-bills with comparable terms. Rules provides that HPML lenders required to consider borrower's ability to repay, verify income, escrow taxes and insurance, and are not permitted to use prepayment penalties FHA Title II Morgagee Letter "Manufactured Housing Policy Guidance" - "Manufactured Housing Policy Guidance"-The letter covers a host of issues under the topic of property eligiblity and underwriting eligibility. The letter indicates FHA's desire to receive invoices and supporting documentation for all site-work from installers and subcontractors. This documentation is not required for site-built construction loans and is excessive considering all homes are appraised by FHA approved appraisers. H.R. 6078- The Green Act-Estabishes certain energy efficiency and green building criteria for housing programs funded by the federal government. H.R. 958-Data Accountablity and Trust Act-Protects consumers by requiring reasonable security policies and procedures to protect computerized data containing personal information, and to provide for a nationwide notice in the event of a security breach. S. 495-Personal Data Privacy and Security Act-Prevents and mitigate identity theft, to ensure privacy, to provide notice of security breaches, and to enhance criminal penalties, law enforcement assistance, and other protections against security breaches, fraudulent access, and misuse of personally identifiable information.

H. R. 3221/S.2636 Foreclosure Prevention Act-Comprehensive FHA Title I and Title II Reform. Net Operating Loss (NOL) carryback provisions, tax credit for homebuyers who purchase a home in foreclosure, provision allowing for an additional standard deduction for real property taxes for non-itemizers, and extension of Energy Star Tax credit for MH manufacturers. H. R. 1424: Emergency Economic Stabiliazation Act of 2008: Provides authority to the Treasury Secretary to restore liquidity and stability to the U.S. financial system and to ensure the economic well-being of Americans. To include: Purchase of troubled assets and insurance of troubled assets, establishes a financial oversight board, enables forclosure mitigation efforts, and assistance to homeowners. H. R. 5140 - House Stimulus package- Provides economic stimulus through recovery rebates to individuals, incentives for business investment, and an increase in conforming and FHA loan limits FHA Permanent Foundation Requirements for Manufactured Homes - 24 CRF 203.47f - In lieu of installing HUD Code homes in accordance with the Guide to Permanent Foundations, FHA will be proposing to adopt the HUD Model Installation Standard (or state equivalent) as its permanent foundation requirement HUD Proposed Rule - GSE Affordable Housing Goals-24 CFR Part 81-Proposed rule will establish the housing goals (effective 2009) for the GSEs. HUD Proposed Rule - Reform of the Real Estate Procedures Act (RESPA)-24 CFR Parts 203 and 3500-Proposed rule would require lenders to itemize borrower costs on an enhanced Good Faith Estimate. Lenders to disclose Yield Spread Premiums paid to brokers. New penalties for RESPA violations. Federal Reserve Proposed Rule - Regulation Z Reform- 12CFR Part 226 Fed proposed defines "higher prices mortgage loans" (HPML as any loan with an APR 3pts above yield on t-bills with comparable terms. Rules provides that HPML lenders required to consider borrower's ability to repay, verify income, escrow taxes and insurance, and are not permitted to use prepayment penalties FHA Title II Morgagee Letter "Manufactured Housing Policy Guidance" - "Manufactured Housing Policy Guidance"-The letter covers a host of issues under the topic of property eligiblity and underwriting eligibility. The letter indicates FHA's desire to receive invoices and supporting documentation for all site-work from installers and subcontractors. This documentation is not required for site-built construction loans and is excessive considering all homes are appraised by FHA approved appraisers. H.R. 6078- The Green Act-Estabishes certain energy efficiency and green building criteria for housing programs funded by the federal government. H.R. 958-Data Accountablity and Trust Act-Protects consumers by requiring reasonable security policies and procedures to protect computerized data containing personal information, and to provide for a nationwide notice in the event of a security breach. S. 495-Personal Data Privacy and Security Act-Prevents and mitigate identity theft, to ensure privacy, to provide notice of security breaches, and to enhance criminal penalties, law enforcement assistance, and other protections against security breaches, fraudulent access, and misuse of personally identifiable information.

S. 822/H.R. 1385 Extends certain tax provisions set to expire in 2007 -- New Homes Tax Credit; Housing and consumer tax credit legislation tied to energy efficiency Appliances and utilities; H.R. 2834/S. 1624 Carried Interest legislation Real Estate Partnerships; H.R. 3648/S. 1394 -- Mortgage Debt Forgiveness; H.R. 3970/3996 -- Carried interest provisions

Issue advocacy on water submetering and the Safe Drinking Water Act (SDWA); S. 926/H.R. 164 - Policyholder Disaster Protection Act; S. 927 -- Catastrophe Savings Accounts; S. 928 Homeowners Protection Act; H.R. 1682/3121 Flood Insurance Reform and Modernization, H.R. 3355 -- Homeowners Defense Act

H.R. 3074 -- FY08 Transportation, Treasury, & HUD Appropriations -- PATH funding; FY08 Homeland Security Appropriations FEMA funding; FY08 Agriculture Appropriations Rural Development/housing funding single family and multifamily; H.R. 4079 Revising Stafford Act; H.R. 1676 Native American Homeownership Act; Limited English Proficiency Guidance; H.R. 2787 CJs Home Protection Act; H.R. 1851 Section 8 Voucher Reform, H.R. 4830/2328 -- FEMA Accountability Act

Issue advocacy on water submetering and the Safe Drinking Water Act (SDWA); S. 926/H.R. 164 - Policyholder Disaster Protection Act; S. 927 -- Catastrophe Savings Accounts; S. 928 Homeowners Protection Act; H.R. 1682/3121 Flood Insurance Reform and Modernization, H.R. 3355 -- Homeowners Defense Act

H.R. 3074 -- FY08 Transportation, Treasury, & HUD Appropriations -- PATH funding; FY08 Homeland Security Appropriations FEMA funding; FY08 Agriculture Appropriations Rural Development/housing funding single family and multifamily; H.R. 4079 Revising Stafford Act; H.R. 1676 Native American Homeownership Act; Limited English Proficiency Guidance; H.R. 2787 CJs Home Protection Act; H.R. 1851 Section 8 Voucher Reform, H.R. 4830/2328 -- FEMA Accountability Act

H.R. 1427 Federal Housing Finance Reform Act GSE Reform; H.R. 2139/S. 1741 FHA Title I Reform Modernizes the manufactured housing loan insurance program under title I of the National Housing At; H.R. 1852, 1752, S. 2388 FHA Title II Reform -- Modernizes and update the National Housing Act and enable the Federal Housing Administration; Data Security legislation -- small business concerns

H.R. 1427 Federal Housing Finance Reform Act GSE Reform; H.R. 2139/S. 1741 FHA Title I Reform Modernizes the manufactured housing loan insurance program under title I of the National Housing At; H.R. 1852, 1752, S. 2388 FHA Title II Reform -- Modernizes and update the National Housing Act and enable the Federal Housing Administration; Data Security legislation -- small business concerns

H.R. 3074 -- FY08 Transportation, Treasury, & HUD Appropriations -- PATH funding; FY08 Homeland Security Appropriations FEMA funding; FY08 Agriculture Appropriations Rural Development/housing funding single family and multifamily; H.R. 4079 Revising Stafford Act; H.R. 1676 Native American Homeownership Act; Limited English Proficiency Guidance; H.R. 2787 CJs Home Protection Act; H.R. 1851 Section 8 Voucher Reform, H.R. 4830/2328 -- FEMA Accountability Act

S. 822/H.R. 1385 Extends certain tax provisions set to expire in 2007 -- New Homes Tax Credit; Housing and consumer tax credit legislation tied to energy efficiency Appliances and utilities; H.R. 2834/S. 1624 Carried Interest legislation Real Estate Partnerships; H.R. 3648/S. 1394 -- Mortgage Debt Forgiveness; H.R. 3970/3996 -- Carried interest provisions

H.R. 3010/S. 1782 -- Arbitration legislation

Issue advocacy on water submetering and the Safe Drinking Water Act (SDWA); S. 926/H.R. 164 - Policyholder Disaster Protection Act; S. 927 -- Catastrophe Savings Accounts; S. 928 Homeowners Protection Act; H.R. 1682/3121 Flood Insurance Reform and Modernization, H.R. 3355 -- Homeowners Defense Act

H.R. 3609/S. 2133/2136 -- Changes bankruptcy law

S. 822/H.R. 1385 Extends certain tax provisions set to expire in 2007 -- New Homes Tax Credit; Housing and consumer tax credit legislation tied to energy efficiency Appliances and utilities; H.R. 2834/S. 1624 Carried Interest legislation Real Estate Partnerships; H.R. 3648/S. 1394 -- Mortgage Debt Forgiveness; H.R. 3970/3996 -- Carried interest provisions

H.R. 85 -- Provides for the establishment of centers to encourage demonstration and commercial application of advanced energy methods and technologies; H.R. 365/S. 635 -- Methamphetamine Remediation Research Act

S. 822/H.R. 1385 Extends certain tax provisions set to expire in 2007 -- New Homes Tax Credit; Housing and consumer tax credit legislation tied to energy efficiency Appliances and utilities; H.R. 2834/S. 1624 Carried Interest legislation Real Estate Partnerships; H.R. 3648/S. 1394 -- Mortgage Debt Forgiveness; H.R. 3970/3996 -- Carried interest provisions

H.R. 3074 -- FY08 Transportation, Treasury, & HUD Appropriations -- PATH funding; FY08 Homeland Security Appropriations FEMA funding; FY08 Agriculture Appropriations Rural Development/housing funding single family and multifamily; H.R. 4079 Revising Stafford Act; H.R. 1676 Native American Homeownership Act; Limited English Proficiency Guidance; H.R. 2787 CJs Home Protection Act; H.R. 1851 Section 8 Voucher Reform, H.R. 4830/2328 -- FEMA Accountability Act

H.R. 3074 -- FY08 Transportation, Treasury, & HUD Appropriations -- PATH funding; FY08 Homeland Security Appropriations FEMA funding; FY08 Agriculture Appropriations Rural Development/housing funding single family and multifamily; H.R. 4079 Revising Stafford Act; H.R. 1676 Native American Homeownership Act; Limited English Proficiency Guidance; H.R. 2787 CJs Home Protection Act; H.R. 1851 Section 8 Voucher Reform, H.R. 4830/2328 -- FEMA Accountability Act

H.R. 85 -- Provides for the establishment of centers to encourage demonstration and commercial application of advanced energy methods and technologies; H.R. 365/S. 635 -- Methamphetamine Remediation Research Act

S. 822/H.R. 1385 Extends certain tax provisions set to expire in 2007 -- New Homes Tax Credit; Housing and consumer tax credit legislation tied to energy efficiency Appliances and utilities; H.R. 2834/S. 1624 Carried Interest legislation Real Estate Partnerships; H.R. 3648/S. 1394 -- Mortgage Debt Forgiveness; H.R. 3970/3996 -- Carried interest provisions

S. 822/H.R. 1385 Extends certain tax provisions set to expire in 2007 -- New Homes Tax Credit; Housing and consumer tax credit legislation tied to energy efficiency Appliances and utilities; H.R. 2834/S. 1624 Carried Interest legislation Real Estate Partnerships; H.R. 3648/S. 1394 -- Mortgage Debt Forgiveness; H.R. 3970/3996 -- Carried interest provisions

H.R. 1427 Federal Housing Finance Reform Act GSE Reform; H.R. 2139/S. 1741 FHA Title I Reform Modernizes the manufactured housing loan insurance program under title I of the National Housing At; H.R. 1852, 1752, S. 2388 FHA Title II Reform -- Modernizes and update the National Housing Act and enable the Federal Housing Administration; Data Security legislation -- small business concerns

H.R. 3010/S. 1782 -- Arbitration legislation

H.R. 3609/S. 2133/2136 -- Changes bankruptcy law

H.R. 1427 Federal Housing Finance Reform Act GSE Reform; H.R. 2139/S. 1741 FHA Title I Reform Modernizes the manufactured housing loan insurance program under title I of the National Housing At; H.R. 1852, 1752, S. 2388 FHA Title II Reform -- Modernizes and update the National Housing Act and enable the Federal Housing Administration; Data Security legislation -- small business concerns

H.R. 3915/S. 2452 -- Predatory Lending legislation -- Manufactured Housing concerns

H.R. 85 -- Provides for the establishment of centers to encourage demonstration and commercial application of advanced energy methods and technologies; H.R. 365/S. 635 -- Methamphetamine Remediation Research Act

S. 822/H.R. 1385 Extends certain tax provisions set to expire in 2007 -- New Homes Tax Credit; Housing and consumer tax credit legislation tied to energy efficiency Appliances and utilities; H.R. 2834/S. 1624 Carried Interest legislation Real Estate Partnerships; H.R. 3648/S. 1394 -- Mortgage Debt Forgiveness; H.R. 3970/3996 -- Carried interest provisions

Issue advocacy on water submetering and the Safe Drinking Water Act (SDWA); S. 926/H.R. 164 - Policyholder Disaster Protection Act; S. 927 -- Catastrophe Savings Accounts; S. 928 Homeowners Protection Act; H.R. 1682/3121 Flood Insurance Reform and Modernization, H.R. 3355 -- Homeowners Defense Act

Issue advocacy on water submetering and the Safe Drinking Water Act (SDWA); S. 926/H.R. 164 - Policyholder Disaster Protection Act; S. 927 -- Catastrophe Savings Accounts; S. 928 Homeowners Protection Act; H.R. 1682/3121 Flood Insurance Reform and Modernization, H.R. 3355 -- Homeowners Defense Act

Issue advocacy on water submetering and the Safe Drinking Water Act (SDWA); S. 926/H.R. 164 - Policyholder Disaster Protection Act; S. 927 -- Catastrophe Savings Accounts; S. 928 Homeowners Protection Act; H.R. 1682/3121 Flood Insurance Reform and Modernization, H.R. 3355 -- Homeowners Defense Act

H.R. 1427 Federal Housing Finance Reform Act GSE Reform; H.R. 2139/S. 1741 FHA Title I Reform Modernizes the manufactured housing loan insurance program under title I of the National Housing At; H.R. 1852, 1752, S. 2388 FHA Title II Reform -- Modernizes and update the National Housing Act and enable the Federal Housing Administration; Data Security legislation -- small business concerns

H.R. 3074 -- FY08 Transportation, Treasury, & HUD Appropriations -- PATH funding; FY08 Homeland Security Appropriations FEMA funding; FY08 Agriculture Appropriations Rural Development/housing funding single family and multifamily; H.R. 4079 Revising Stafford Act; H.R. 1676 Native American Homeownership Act; Limited English Proficiency Guidance; H.R. 2787 CJs Home Protection Act; H.R. 1851 Section 8 Voucher Reform, H.R. 4830/2328 -- FEMA Accountability Act

H.R. 6, H.R. 3221 -- Energy legislation -- Increases energy standards for HUD Code homes.

H.R. 3915/S. 2452 -- Predatory Lending legislation -- Manufactured Housing concerns