JANET GAGNON

S. 406/H.R. 525, The Small Business Health Fairness Act, would create federal regulations for Association Health Plans, allowing them to negotiate on behalf of their members for health benefits exempt from most state laws. H.R. 846, Homeowners' Insurance Availability Act, would implement a reinsurance coverage program for residential property losses to homes and the contents of apartment buildings caused by "covered perils." This would act as a federal backstop to help cover the cost of large natural disasters. The Secretary of the Treasury's report to Congress the Terrorism Risk Insurance program. The State Modernization and Regulatory Transparency Act would replace the existing state-based insurance regulatory system with a uniform set of federal standards for insurance regulation.

H.R. 8/S. 420, The Death Tax Repeal Permanency Act, would make permanent the death tax repeal after 2010. S. 132, The Mortgage Insurance Fairness Act, would allow for the deduction of private or government mortgage insurance payments. The bill phases out the deduction for taxpayers with incomes above $100,000. H.R. 453, The Home Lead Safety Tax Credit Act, would allow owners of residential properties built in the U.S. before 1978 to take a tax credit for costs incurred for lead-based paint removal performed by a certified lead abatement contractor. H.R. 1010, The REMIC Modernization Act would allow for modifications and/or changes to be more easily made to properties secured with REMIC loans. S. 1213, The First-Time Homebuyers' Tax Credit Act, would allow first-time homebuyers to receive a tax credit of up to $3000 for individuals or $6000 for married couples. H.R. 1549/ S. 859, The Renewing the Dream Tax Credit Act, would allow developers and investors who construct or substantially rehabilitate housing for low- and moderate-income families for purchase to claim up to 50% of the cost over a five year period. H.R. 1663/S. 621, which would make the 15-year depreciation of leasehold improvements permanent. H.R. 3194, The Housing America's Workforce Act, would provide incentives for employer-provided employee housing assistance, and for other purposes. Foreign Investment in Real Property Tax Act, which requires sellers of property to furnish to buyers a non-foreign affidavit that includes their Tax Identification Number to avoid an automatic withholding.

S. 5, The Class Action Fairness Act, would give federal courts jurisdiction over class action cases that have national implications, and/or a majority of plaintiffs in multiple states. S. 115/H.R. 1069, The Notification of Risk to Personal Data Act, a bill to require Federal agencies, and persons engaged in interstate commerce, in possession of electronic data containing personal information, to disclose any unauthorized acquisition of such information S. 714, The Junk Fax Prevention Act, would broaden the FCC's July 2003 ruling regarding unsolicited facsimile advertisement to a business or residential fax machine allowing for an established business relation exemption. S. 852/H.R. 1360, The Fairness in Asbestos Injury Resolution, would establish a fund regulated by a new office within the department of labor to process claims for compensation for asbestos-related injuries. H.R. 2804, The ADA Notification Act, would require that businesses be given 90 days notice of a violation before they can be sued.

H.R. 8/S. 420, The Death Tax Repeal Permanency Act, would make permanent the death tax repeal after 2010. S. 132, The Mortgage Insurance Fairness Act, would allow for the deduction of private or government mortgage insurance payments. The bill phases out the deduction for taxpayers with incomes above $100,000. H.R. 453, The Home Lead Safety Tax Credit Act, would allow owners of residential properties built in the U.S. before 1978 to take a tax credit for costs incurred for lead-based paint removal performed by a certified lead abatement contractor. H.R. 1010, The REMIC Modernization Act would allow for modifications and/or changes to be more easily made to properties secured with REMIC loans. S. 1213, The First-Time Homebuyers' Tax Credit Act, would allow first-time homebuyers to receive a tax credit of up to $3000 for individuals or $6000 for married couples. H.R. 1549/ S. 859, The Renewing the Dream Tax Credit Act, would allow developers and investors who construct or substantially rehabilitate housing for low- and moderate-income families for purchase to claim up to 50% of the cost over a five year period. H.R. 1663/S. 621, which would make the 15-year depreciation of leasehold improvements permanent. H.R. 3194, The Housing America's Workforce Act, would provide incentives for employer-provided employee housing assistance, and for other purposes. Foreign Investment in Real Property Tax Act, which requires sellers of property to furnish to buyers a non-foreign affidavit that includes their Tax Identification Number to avoid an automatic withholding.

S. 675, The New Homestead Act, would create financial incentives for individuals who choose to live in and help preserve small rural towns. H.R. 798, The Methamphetamine Remediation Research Act, would require the EPA to establish voluntary guidelines for remediation of former methamphetamine labs. FCC order declining to exempt from the Do-Not-Call rules, calls to expired listings and to "for sale by owners" for the purpose of offering services to residential subscribers. HUD proposed rule regarding disposition of HUD-Acquired Single Family Property and disciplinary actions against HUD-qualified real estate brokers. Docket No. FR-4871-P-01 HUD's raising of the 2005-2008 housing goals for Fannie Mae and Freddie Mac for low- and moderate-income homebuyers, special affordable, and underserved areas.

S. 5, The Class Action Fairness Act, would give federal courts jurisdiction over class action cases that have national implications, and/or a majority of plaintiffs in multiple states. S. 115/H.R. 1069, The Notification of Risk to Personal Data Act, a bill to require Federal agencies, and persons engaged in interstate commerce, in possession of electronic data containing personal information, to disclose any unauthorized acquisition of such information S. 714, The Junk Fax Prevention Act, would broaden the FCC's July 2003 ruling regarding unsolicited facsimile advertisement to a business or residential fax machine allowing for an established business relation exemption. S. 852/H.R. 1360, The Fairness in Asbestos Injury Resolution, would establish a fund regulated by a new office within the department of labor to process claims for compensation for asbestos-related injuries. H.R. 2804, The ADA Notification Act, would require that businesses be given 90 days notice of a violation before they can be sued.

H.R. 8/S. 420, The Death Tax Repeal Permanency Act, would make permanent the death tax repeal after 2010. S. 132, The Mortgage Insurance Fairness Act, would allow for the deduction of private or government mortgage insurance payments. The bill phases out the deduction for taxpayers with incomes above $100,000. H.R. 453, The Home Lead Safety Tax Credit Act, would allow owners of residential properties built in the U.S. before 1978 to take a tax credit for costs incurred for lead-based paint removal performed by a certified lead abatement contractor. H.R. 1010, The REMIC Modernization Act would allow for modifications and/or changes to be more easily made to properties secured with REMIC loans. S. 1213, The First-Time Homebuyers' Tax Credit Act, would allow first-time homebuyers to receive a tax credit of up to $3000 for individuals or $6000 for married couples. H.R. 1549/ S. 859, The Renewing the Dream Tax Credit Act, would allow developers and investors who construct or substantially rehabilitate housing for low- and moderate-income families for purchase to claim up to 50% of the cost over a five year period. H.R. 1663/S. 621, which would make the 15-year depreciation of leasehold improvements permanent. H.R. 3194, The Housing America's Workforce Act, would provide incentives for employer-provided employee housing assistance, and for other purposes. Foreign Investment in Real Property Tax Act, which requires sellers of property to furnish to buyers a non-foreign affidavit that includes their Tax Identification Number to avoid an automatic withholding.

S. 98/H.R. 111, The Community Choice in Real Estate Act, would ensure that banks would not be allowed to engage in the selling or direct purchasing of property. H.R. 176, The FHA Single Family Loan Limit Adjustment Act, would raise the FHA loan limit to 100% of the conforming loan limit, which is currently $359,650. S. 256, The Bankruptcy Abuse Prevention and Consumer Protection Act, would reform bankruptcy laws to close the loophole that allows tenants to circumvent well-established state and local eviction laws, provide a 90-day stay from creditors for all commercial properties, offer protection for shopping-center owners and tenants by clarifying the rights of bankrupt retailers to honor the terms of their leases, and protect homeowner/condo association members by requiring owners in bankruptcy to pay their accrued fees. H.R. 378, The Homeowners' Emergency Mortgage Assistance Act, would restore home mortgage assistance through the FHA single-family mortgage insurance program. H.R. 1182/H.R. 1295, The Prohibit Predatory Lending Act and The Responsible Lending Act, are federal anti-predatory lending bills that would defined what loans are covered under the act, create counseling to educate consumers, and set civil liability penalties. H.R. 1461/S. 190, The Federal Housing Finance Reform Act and The Federal Housing Enterprise Regulatory Reform Act, addresses Government Sponsored Enterprise's (GSE)issues including; a new regulator, brightline, program approval, portfolio limitations, and conforming loan limits. H.R. 3043, Zero Downpayment Pilot Program Act, Amends the National Housing Act to authorize the Secretary of HUD to insure zero-downpayment mortgages for one-family residences FDIC Notice of Public Hearing on the Financial Services Roundtable petition for state-chartered banks to preempt a host state's laws. The petition asked "the FDIC to issue a rule that preempts the application of certain state laws to the interstate operations and activities of state banks." The OCC, FDIC, and Federal Reserve System's joint notice of proposed rulemaking on the Community Reinvestment Act (RIN 1557-AB98). The proposed rule would create a third category in which banks are classified by the size of their assets. HUD's proposal to require mortgagees of FHA-insured mortgages to collect as part of the monthly mortgage payment an escrow of the amounts necessary for the payment of condominium or homeowners associaiton fees. Ginnie Mae's requirment that FHA insured mortgages that are prepaid still accumulate interest until the last day of the month that the prepayment is made. Federal Reserve's decision to implement the Basel II Accord. This Accord would update the original Basel Capital Accord from 1988. The U.S. Department of the Trasury is considering defining REALTORS as "Financial Institutions," in that it relates to the application of the anti-money laundering program of the USA PATRIOT Act. HUD's consideration of altering the Real Estate Settlement Procedures Act and its application. The creation of a Federal Housing Authority subprime loan product for borrowers who would not meet traditional underwriting standards with respect to credit history; but meet the debt income and repayment ability standards. HUD's interim rule to enable the Secretary to insure five-year hybrid ARMS with interest rates adjustable up to two percentage points annually.

S. 98/H.R. 111, The Community Choice in Real Estate Act, would ensure that banks would not be allowed to engage in the selling or direct purchasing of property. H.R. 176, The FHA Single Family Loan Limit Adjustment Act, would raise the FHA loan limit to 100% of the conforming loan limit, which is currently $359,650. S. 256, The Bankruptcy Abuse Prevention and Consumer Protection Act, would reform bankruptcy laws to close the loophole that allows tenants to circumvent well-established state and local eviction laws, provide a 90-day stay from creditors for all commercial properties, offer protection for shopping-center owners and tenants by clarifying the rights of bankrupt retailers to honor the terms of their leases, and protect homeowner/condo association members by requiring owners in bankruptcy to pay their accrued fees. H.R. 378, The Homeowners' Emergency Mortgage Assistance Act, would restore home mortgage assistance through the FHA single-family mortgage insurance program. H.R. 1182/H.R. 1295, The Prohibit Predatory Lending Act and The Responsible Lending Act, are federal anti-predatory lending bills that would defined what loans are covered under the act, create counseling to educate consumers, and set civil liability penalties. H.R. 1461/S. 190, The Federal Housing Finance Reform Act and The Federal Housing Enterprise Regulatory Reform Act, addresses Government Sponsored Enterprise's (GSE)issues including; a new regulator, brightline, program approval, portfolio limitations, and conforming loan limits. H.R. 3043, Zero Downpayment Pilot Program Act, Amends the National Housing Act to authorize the Secretary of HUD to insure zero-downpayment mortgages for one-family residences FDIC Notice of Public Hearing on the Financial Services Roundtable petition for state-chartered banks to preempt a host state's laws. The petition asked "the FDIC to issue a rule that preempts the application of certain state laws to the interstate operations and activities of state banks." The OCC, FDIC, and Federal Reserve System's joint notice of proposed rulemaking on the Community Reinvestment Act (RIN 1557-AB98). The proposed rule would create a third category in which banks are classified by the size of their assets. HUD's proposal to require mortgagees of FHA-insured mortgages to collect as part of the monthly mortgage payment an escrow of the amounts necessary for the payment of condominium or homeowners associaiton fees. Ginnie Mae's requirment that FHA insured mortgages that are prepaid still accumulate interest until the last day of the month that the prepayment is made. Federal Reserve's decision to implement the Basel II Accord. This Accord would update the original Basel Capital Accord from 1988. The U.S. Department of the Trasury is considering defining REALTORS as "Financial Institutions," in that it relates to the application of the anti-money laundering program of the USA PATRIOT Act. HUD's consideration of altering the Real Estate Settlement Procedures Act and its application. The creation of a Federal Housing Authority subprime loan product for borrowers who would not meet traditional underwriting standards with respect to credit history; but meet the debt income and repayment ability standards. HUD's interim rule to enable the Secretary to insure five-year hybrid ARMS with interest rates adjustable up to two percentage points annually.

H.R. 8/S. 420, The Death Tax Repeal Permanency Act, would make permanent the death tax repeal after 2010. S. 132, The Mortgage Insurance Fairness Act, would allow for the deduction of private or government mortgage insurance payments. The bill phases out the deduction for taxpayers with incomes above $100,000. H.R. 453, The Home Lead Safety Tax Credit Act, would allow owners of residential properties built in the U.S. before 1978 to take a tax credit for costs incurred for lead-based paint removal performed by a certified lead abatement contractor. H.R. 1010, The REMIC Modernization Act would allow for modifications and/or changes to be more easily made to properties secured with REMIC loans. S. 1213, The First-Time Homebuyers' Tax Credit Act, would allow first-time homebuyers to receive a tax credit of up to $3000 for individuals or $6000 for married couples. H.R. 1549/ S. 859, The Renewing the Dream Tax Credit Act, would allow developers and investors who construct or substantially rehabilitate housing for low- and moderate-income families for purchase to claim up to 50% of the cost over a five year period. H.R. 1663/S. 621, which would make the 15-year depreciation of leasehold improvements permanent. H.R. 3194, The Housing America's Workforce Act, would provide incentives for employer-provided employee housing assistance, and for other purposes. Foreign Investment in Real Property Tax Act, which requires sellers of property to furnish to buyers a non-foreign affidavit that includes their Tax Identification Number to avoid an automatic withholding.

S. 406/H.R. 525, The Small Business Health Fairness Act, would create federal regulations for Association Health Plans, allowing them to negotiate on behalf of their members for health benefits exempt from most state laws. H.R. 846, Homeowners' Insurance Availability Act, would implement a reinsurance coverage program for residential property losses to homes and the contents of apartment buildings caused by "covered perils." This would act as a federal backstop to help cover the cost of large natural disasters. The Secretary of the Treasury's report to Congress the Terrorism Risk Insurance program. The State Modernization and Regulatory Transparency Act would replace the existing state-based insurance regulatory system with a uniform set of federal standards for insurance regulation.

H.R. 1077-Hope VI Program Revitalization Act of 2003 amends the United States Housing Act of 1937 to extend and authorize appropriations for the HOPE VI revitalization program. Revises grant selection criteria. H.R. 1102-National Affordable Housing Trust Fund Act would fund a new federal housing production program utilizing excess FHA and Ginnie Mae revenues to meet the goal of 1.5 million units of housing by 2010. H.R. 1276/S. 811-American Dream Downpayment Act will provide $200 million in grants to help homebuyers with downpayment and closing costs, assisting 40,000 families annually achieve the dream of homeownership. H.R. 1614 Hope VI Program Reauthorization and Small Community Mainstreet Rejuvenation and Housing Act of 2003-(Sec.2) Amends the United States Housing Act of 1937 to revise criteria for Hope VI grants, including addition of criteria regarding tenant displacement, existing tenant occupancy priority, and timelines of project completion. H.R. 1985/S. 1714-FHA Multi-Family Loan Limit Adjustment Act would increase affordable housing availability for low- and moderate-income families. The bill would allow HUD to increase multi-family mortgage loan limits for FHA insured properties. S. 602-New Homestead Act would create financial incentives for individuals who choose to live in and help preserve small rural towns. HUD's initiative on removal of regulatory barriers: proposals for incentive criteria on barrier removal in HUD's funding allocations, Docket No. FR-4882-N-01. HUD's proposed raising of the 2005-2008 housing goals for Fannie Mae and Freddie Mac for low- and moderate-income homebuyers, special affordable, and underserved areas.

H.R. 1077-Hope VI Program Revitalization Act of 2003 amends the United States Housing Act of 1937 to extend and authorize appropriations for the HOPE VI revitalization program. Revises grant selection criteria. H.R. 1102-National Affordable Housing Trust Fund Act would fund a new federal housing production program utilizing excess FHA and Ginnie Mae revenues to meet the goal of 1.5 million units of housing by 2010. H.R. 1276/S. 811-American Dream Downpayment Act will provide $200 million in grants to help homebuyers with downpayment and closing costs. H.R. 1614 Hope VI Program Reauthorization and Small Community Mainstreet Rejuvenation and Housing Act of 2003-(Sec.2) amends the United States Housing Act of 1937 to revise criteria for Hope VI grants, including addition of criteria regarding tenant displacement, existing tenant occupancy priority, and timelines of project completion. H.R. 1985/S. 1714-FHA Multi-Family Loan Limit Adjustment Act would increase affordable housing availability for low- and moderate-income families. The bill would allow HUD to increase multi-family mortgage loan limits for FHA insured properties. S. 602-New Homestead Act would create financial incentives for individuals who choose to live in and help preserve small rural towns. HUD's initiative on removal of regulatory barriers: proposals for incentive criteria on barrier removal in HUD's funding allocations. HUD's proposed raising of the 2005-2008 housing goals for Fannie Mae and Freddie Mac for low- and moderate-income homebuyers, special affordable, and underserved areas. HUD's proposed rule regarding the disposition of HUD-acquired single family property and disciplinary actions against HUD-qualified real estate brokers (Docket No. FR-4871-P-01; HUD 2004-0006). HUD Solicitation R-OPC-22505, Single Family Housing Management & Marketing Services. HUD's awarding of the 2004 Management & Marketing Services contract for Northern and Southern California to PEMCO, LTD. – a non-California based company. Federal Deposit Insurance Corporation (FDIC) proposal regarding the Community Reinvestment Act. Specifically, the FDIC's proposal to change the definition of “small bank” from banks with assets of $250 million or less to banks with assets of $1 billion or less.

H.R. 1077-Hope VI Program Revitalization Act of 2003 amends the United States Housing Act of 1937 to extend and authorize appropriations for the HOPE VI revitalization program. Revises grant selection criteria. H.R. 1102-National Affordable Housing Trust Fund Act would fund a new federal housing production program utilizing excess FHA and Ginnie Mae revenues to meet the goal of 1.5 million units of housing by 2010. H.R. 1276/S. 811-American Dream Downpayment Act will provide $200 million in grants to help homebuyers with downpayment and closing costs. H.R. 1614 Hope VI Program Reauthorization and Small Community Mainstreet Rejuvenation and Housing Act of 2003-(Sec.2) amends the United States Housing Act of 1937 to revise criteria for Hope VI grants, including addition of criteria regarding tenant displacement, existing tenant occupancy priority, and timelines of project completion. H.R. 1985/S. 1714-FHA Multi-Family Loan Limit Adjustment Act would increase affordable housing availability for low- and moderate-income families. The bill would allow HUD to increase multi-family mortgage loan limits for FHA insured properties. S. 602-New Homestead Act would create financial incentives for individuals who choose to live in and help preserve small rural towns. HUD's initiative on removal of regulatory barriers: proposals for incentive criteria on barrier removal in HUD's funding allocations. HUD's proposed raising of the 2005-2008 housing goals for Fannie Mae and Freddie Mac for low- and moderate-income homebuyers, special affordable, and underserved areas. HUD's proposed rule regarding the disposition of HUD-acquired single family property and disciplinary actions against HUD-qualified real estate brokers (Docket No. FR-4871-P-01; HUD 2004-0006). HUD Solicitation R-OPC-22505, Single Family Housing Management & Marketing Services. HUD's awarding of the 2004 Management & Marketing Services contract for Northern and Southern California to PEMCO, LTD. – a non-California based company. Federal Deposit Insurance Corporation (FDIC) proposal regarding the Community Reinvestment Act. Specifically, the FDIC's proposal to change the definition of “small bank” from banks with assets of $250 million or less to banks with assets of $1 billion or less.

H.R. 1077-Hope VI Program Revitalization Act of 2003 amends the United States Housing Act of 1937 to extend and authorize appropriations for the HOPE VI revitalization program. Revises grant selection criteria. H.R. 1102-National Affordable Housing Trust Fund Act would fund a new federal housing production program utilizing excess FHA and Ginnie Mae revenues to meet the goal of 1.5 million units of housing by 2010. H.R. 1276/S. 811-American Dream Downpayment Act will provide $200 million in grants to help homebuyers with downpayment and closing costs, assisting 40,000 families annually achieve the dream of homeownership. H.R. 1614 Hope VI Program Reauthorization and Small Community Mainstreet Rejuvenation and Housing Act of 2003-(Sec.2) Amends the United States Housing Act of 1937 to revise criteria for Hope VI grants, including addition of criteria regarding tenant displacement, existing tenant occupancy priority, and timelines of project completion. H.R. 1985/S. 1714-FHA Multi-Family Loan Limit Adjustment Act would increase affordable housing availability for low- and moderate-income families. The bill would allow HUD to increase multi-family mortgage loan limits for FHA insured properties. S. 602-New Homestead Act would create financial incentives for individuals who choose to live in and help preserve small rural towns. HUD's initiative on removal of regulatory barriers: proposals for incentive criteria on barrier removal in HUD's funding allocations, Docket No. FR-4882-N-01. HUD's proposed raising of the 2005-2008 housing goals for Fannie Mae and Freddie Mac for low- and moderate-income homebuyers, special affordable, and underserved areas.

H.R. 111/S. 98-Community Choice in Real Estate Act would ensure that banks would not be allowed to engage in the selling or direct purchasing of property. H.R. 1357-Homeowners Emergency Assistance Act would restore home mortgage assistance through the FHA single-family mortgage insurance program. H.R. 1443-Access to Affordable Mortgages Act would change language in laws that allow for ARMs, so they state that ARMs are capped at 1% for terms of 3 years and under, as opposed to the current 5 years and under. S. 1928-Predatory Lending Consumer Protection is a federal anti-predatory lending bill containing case-by-case review of a borrower's ability to repay the loan and no assignment of liability. H.R. 2575-Secondary Mortgage Market Enterprises Regulatory Improvement Act would amend the Homeowners' Loan Act to rename the Office of Thrift Supervision as the Office of Housing Finance Supervision, giving this office direct authority over Fannie Mae and Freddie Mac to ensure they are financially safe and adequately capitalized. H.R. 2803-Housing Finance Regulatory Restructuring Act would establish the Office of Housing Finance Oversight in the Department of the Treasury to ensure the financial safety and soundness of Fannie Mae, Freddie Mac, and the Federal home loan banks. H.R. 284/S. 5958-Housing Bond Fairness Act would rescind the sunset date on Mortgage Revenue Bonds, create a new qualifying system, and makes housing credit apartment production viable in rural areas. H.R. 975-Bankruptcy Abuse Prevention and Consumer Protection Act would reform bankruptcy laws to force people with the ability to repay their debts to file under Chapter 13, where courts establish repayment plans, instead of Chapter 7, which erases debts. H.R. 3507-Improving Homeownership in High Cost Areas, this bill would increase the conforming loan limit for states with a Statistical Metropolitan Area above the regular conforming loan limit. H.R. 3755-Zero Downpayment Act, amends the National Housing Act to authorize the Secretary of HUD to insure zero-downpayment mortgages for one-family residences. H.R. 4110-FHA Single Family Loan Limit Adjustment Act, would amend the National Housing Act to increase Federal Housing Administration (FHA) single family mortgage limits. Federal Reserve's decision to implement the Basel II Accord. This Accord would update the original Basel Capital Accord from 1988. The U.S. Department of the Treasury is considering defining REALTORS as "Financial Institutions," in that it relates to the application of the anti-money laundering program of the USA PATRIOT Act. The Creation of a Federal Housing Authority sub-prime loan product for borrowers who would not meet traditional underwriting standards with respect to credit history; but meet the debt income, and repayment ability standards. The proposed HUD rule to expand its offerings of adjustable rate mortgage products on FHA insured mortgages. The rule would create ARM products, the interest rate for 3 year and 5 year ARMs cannot change by more than 1% for the life of the loan. For 7 year and 10 year ARMs, the maximums are 2% annually and 6% for the life of the loan. Fannie Mae's and Freddie Mac's rule change that would boost interest rates for fees on cash-out refinancing that involve loans of more than 70% of a home's value, which could stop homeowners from tapping their equity. HUD's proposed rule on the Real Estate Settlement Procedures Act and its application. The OCC rule stating it "occupies the field" for all laws regarding national banks (Published at 69 Fed. Reg. 1895 (2004)). Ginnie Mae requirement that FHA insured mortgages that are prepaid still accumulate interest until the last day of the month that the prepayment is made. HUD's final rule on FHA multifamily loan limits. HUD's proposal to require mortgagees of FHA-insured mortgages to collect as part of the monthly mortgage payment an escrow of the amounts necessary for the payment of condominium or homeowners association fees.

H.R. 111/S. 98-Community Choice in Real Estate Act would ensure that banks would not be allowed to engage in the selling or direct purchasing of property. H.R. 1357-Homeowners Emergency Assistance Act would restore home mortgage assistance through the FHA single-family mortgage insurance program. H.R. 1443-Access to affordable Mortgages Act would change language in laws that allow for ARMs, so they state that ARMs are capped at 1% for terms of 3 years and under, as opposed to the current 5 years and under. S. 1928- Predatory Lending Consumer Protection is a federal anti-predatory lending bill containing case-by-case review of a borrower's ability to repay the loan and no assignment of liability. H.R. 2575-Secondary Mortgage Market Enterprises Regulatory Improvement Act would amend the Homeowners' Loan Act to rename the Office of Thrift Supervision as the Office of Housing Finance Supervision, giving this office direct authority over Fannie Mae and Freddie Mac to ensure they are financially safe and adequately capitalized. H.R. 2803-Housing Finance Regulatory Restructuring Act would establish the Office of Housing Finance Oversight in the Department of the Treasury to ensure the financial safety and soundness of Fannie Mae, Freddie Mac, and the Federal home loan banks. H.R. 284/S. 595-Housing Bond Fairness Act would rescind the sunset date on Mortgage Revenue Bonds, create a new qualifying system, and makes housing credit apartment production viable in rural areas. H.R. 975-Bankruptcy Abuse Prevention and Consumer Protection Act would reform bankruptcy laws to force people with the ability to repay their debts to file under Chapter 13, where courts establish repayment plans, instead of Chapter 7, which erases debts. H.R. 3507-Improving Homeownership in High Cost Areas, this bill would increase the conforming loan limit for states with a Statistical Metropolitan Area above the regular conforming loan limit. H.R. 3755-Zero Downpayment Act, amends the National Housing Act to authorize the Secretary of HUD to insure zero-downpayment mortgages for one-family residences. H.R. 4110-FHA Single Family Loan Limit Adjustment Act, would amend the National Housing Act to increase Federal Housing Administration (FHA) single family mortgage limits. Federal Reserve's decision to implement the Basel II Accord, the purpose of which is to reduce risk exposure to global economic cycles and level the playing field for large international banks. This Accord would update the original Basel Capital Accord from 1988. The U.S. Department of the Treasury is considering defining REALTORS as "Financial Institutions:, in that it related to the application of the anti-money laundering program of the USA PATRIOT Act. The Creation of a Federal Housing Authority sub-prime loan product for borrowers who would not meet traditional underwriting standards with respect to credit history; but meet the debt, income, and repayment ability standards. The proposed HUD rule to expand its offerings of adjustable rate mortgage products on FHA insured mortgages. The rule would create ARM products, the interest rate for 3 year and 5-year ARMs cannot change by more than 1% for the life of the loan. For 7-year and 10-year ARMs, the maximums are 2% annually and 6% for the life of the loan. Fannie Mae's and Freddie Mac's rule change that would boost interest rates or fees on cash-out refinancing that involve loans of more than 70% of a home's value, which could stop homeowners form tapping their equity. HUD's proposed rule on the Real Estate Settlement Procedures Act and its application. The OCC rule stating it "occupies the field" for all laws regarding national banks (Published at 69 Fed. Reg. 1895 (2004)). Ginnie Mae requirement that FHA insured mortgages that are prepayed still accumulate interest until the last day of the month that the prepayment is made. HUD's final rule on FHA multifamily loan limits.

H.R. 1115/S. 274/S. 1751-Class Action Fairness Act would give federal courts jurisdiction over class action cases that have national implications, and/or a majority of plaintiffs in multiple states. H.R. 1766-National Uniform Privacy Standards Act would make permanent the provisions of the Fair Credit Reporting Act and amend the Gramm-Leach-Bliley Act to establish a national uniform privacy standard for financial institutions. H.R. 2622-Fair & Accurate Credit Transaction Act amended the Fair Credit Reporting Act, to prevent identity theft, improve resolution of consumer disputes, improve the accuracy of consumer records, make improvements in the use of, and consumer access to credit information, and for other purposes. H.R. 728-ADA Notification Act would require that businesses be given 90 days notice of a violation before they can be sued. S. 877-CAN-SPAM Act ensures that all unsolicited electronic emails contain correct factual information, present themselves as advertisement or marketing, the possible creation of a do-not-spam registry, allow for the recipient to request not to receive any more, and instructs the FTC to define what a commercial electronic mail message is. H.R. 1636- Consumer Privacy Protection requires data collection organizations to notify consumers at the time of collection that their personally identifiable information may be used for an unrelated transaction purpose. H.R. 4600-The Junk Fax Prevention Act would broaden the FCC's July 2003 ruling regarding unsolicited facsimile advertisement to a business or residential fax machine.

H.R. 1115/S. 274/S. 1751-Class Action Fairness Act would give federal courts jurisdiction over class action cases that have national implications, and/or a majority of plaintiffs in multiple states. S. 1370-Consumer Credit Score Disclosure Act would amend the Fair Credit Reporting Act to provide for disclosure of credit-scoring information by creditors and consumer reporting agencies. H.R. 1766-National Uniform Privacy Standards Act would make permanent the provisions of the Fair Credit Reporting Act and amend the Gramm-Leach Bliley Act to establish a national uniform privacy standard for financial institutions. H.R. 2622-Fair & Accurate Credit Transaction Act amended the Fair Credit Reporting Act, to prevent identity theft, improve resolution of consumer disputes, improve the accuracy of consumer records, make improvements in the use of, and consumer access to, credit information, and for other purposes. H.R. 728-ADA Notification Act would require that businesses be given 90 days notice of a violation before they can be sued. S. 877 CAN-SPAM Act ensures that all unsolicited electronic emails contain correct factual information, present themselves as advertisement or marketing, the possible creation of a do-not-spam registry, and allow for the recipient to request not to receive any more. H.R. 1636-Consumer Privacy Protection, requires data collection organizations to notify consumers at the time of collection that their personally identifiable information may be used for an unrelated transaction purpose. Federal Communications Commission rules and regulations implementing the Telephone Consumer Protection Act of 1992, FCC 03-153 that would create a national Do-Not-Call Registry Covering both interstate and intrastate phone calls.

H.R. 1077-Hope VI Program Revitalization Act of 2003 amends the United States Housing Act of 1937 to extend and authorize appropriations for the HOPE VI revitalization program. Revises grant selection criteria. H.R. 1102-National Affordable Housing Trust Fund Act would fund a new federal housing production program utilizing excess FHA and Ginnie Mae revenues to meet the goal of 1.5 million units of housing by 2010. H.R. 1276/S. 811-American Dream Downpayment Act will provide $200 million in grants to help homebuyers with downpayment and closing costs, assisting 40,000 families annually achieve the dream of homeownership. H.R. 1614 Hope VI Program Reauthorization and Small Community Mainstreet Rejuvenation and Housing Act of 2003-(Sec.2) Amends the United States Housing Act of 1937 to revise criteria for Hope VI grants, including addition of criteria regarding tenant displacement, existing tenant occupancy priority, and timelines of project completion. H.R. 1985/S. 1714-FHA Multi-Family Loan Limit Adjustment Act would increase affordable housing availability for low- and moderate-income families. The bill would allow HUD to increase multi-family mortgage loan limits for FHA insured properties. S. 602-New Homestead Act would create financial incentives for individuals who choose to live in and help preserve small rural towns. HUD's initiative on removal of regulatory barriers: proposals for incentive criteria on barrier removal in HUD's funding allocations, Docket No. FR-4882-N-01. HUD's proposed raising of the 2005-2008 housing goals for Fannie Mae and Freddie Mac for low- and moderate-income homebuyers, special affordable, and underserved areas.

H.R. 1077-Hope VI Program Revitalization Act of 2003 amends the United States Housing Act of 1937 to extend and authorize appropriations for the HOPE VI revitalization program. Revises grant selection criteria. H.R. 1102-National Affordable Housing Trust Fund Act would fund a new federal housing production program utilizing excess FHA and Ginnie Mae revenues to meet the goal of 1.5 million units of housing by 2010. H.R. 1276/S. 811-American Dream Downpayment Act will provide $200 million in grants to help homebuyers with downpayment and closing costs. H.R. 1614 Hope VI Program Reauthorization and Small Community Mainstreet Rejuvenation and Housing Act of 2003-(Sec.2) amends the United States Housing Act of 1937 to revise criteria for Hope VI grants, including addition of criteria regarding tenant displacement, existing tenant occupancy priority, and timelines of project completion. H.R. 1985/S. 1714-FHA Multi-Family Loan Limit Adjustment Act would increase affordable housing availability for low- and moderate-income families. The bill would allow HUD to increase multi-family mortgage loan limits for FHA insured properties. S. 602-New Homestead Act would create financial incentives for individuals who choose to live in and help preserve small rural towns. HUD's initiative on removal of regulatory barriers: proposals for incentive criteria on barrier removal in HUD's funding allocations. HUD's proposed raising of the 2005-2008 housing goals for Fannie Mae and Freddie Mac for low- and moderate-income homebuyers, special affordable, and underserved areas. HUD's proposed rule regarding the disposition of HUD-acquired single family property and disciplinary actions against HUD-qualified real estate brokers (Docket No. FR-4871-P-01; HUD 2004-0006). HUD Solicitation R-OPC-22505, Single Family Housing Management & Marketing Services. HUD's awarding of the 2004 Management & Marketing Services contract for Northern and Southern California to PEMCO, LTD. – a non-California based company. Federal Deposit Insurance Corporation (FDIC) proposal regarding the Community Reinvestment Act. Specifically, the FDIC's proposal to change the definition of “small bank” from banks with assets of $250 million or less to banks with assets of $1 billion or less.

S. 1175-First-Time Homebuyers' Tax Credit Act would allow first-time homebuyers to receive a tax credit of up to #3000 for individuals or $6000 for married couples. S. 1175 allows individuals or couples in the 25% or lower tax brackets to take a tax credit on the purchase of their principal residence. H.R. 1336/S. 846-Mortgage Insurance Fairness Act would Amend the IRS code of 1986 to classify mortgage insurance premiums as residence interest, allowing for it to be tax deductible. H.R. 1634/S. 576-Business Property Economic Revitalization Act would shorten the tax depreciation life, on non-residential property, from 39 years to 10 years. S. 1918-would allow money given for the purpose of downpayment assistance to qualified organizations to be considered as charitable donations on tax returns. H.R. 22-The Individual and Small Business Tax Simplification Act of 2003 would amend the IRS Code to simplify certain provisions and establish a uniform pass-thru regime. H.R. 2896/H.R. 4520-American Jobs Creation Act would reduce the depreciation period for leasehold improvements from 39 years to 15 years, and extend the 50% bonus depreciation until December 2005. H.R. 3521/S. 1896-Tax Relief Extension Act would extend a number of expiring tax provisions, including the brownfield clean up deduction. S. 597-The bill would create tax incentives for property owners and landlords who made their properties more energy efficient. H.R. 666-Mortgage Cancellation Relief Act would grant relief from the discharge of indebtedness rules for sales of residences. H.R. 839/S. 875/S. 198-REnewing the Dream Tax Credit Act would allow developers and investors who construct or rehabilitate housing for low- and moderate-income families for purchase to claim a tax credit up to 50% of the cost over a five-year period. H.R. 4221-This bill would reduce the depreciation recapture tax rate from the current 25% down to 15%. S. 150/S. 2084-These bills would extend the moratorium that bars state and local governments from imposing multiple and discriminatory taxes on internet access. Treasury Department's Fiscal Year 2005 Budget proposal to "close loopholes, halt several abusive tax avoidance transactions, and simplify the tax code."

S. 1175-First-Time Homebuyers' Tax Credit Act would allow first-time homebuyers to receive a tax credit of up to $3000 for individuals or $6000 for married couples. H.R. 1336/S. 846-Mortgage Insurance Fairness Act would Amend the IRS code of 1986 to classify mortgage insurance premiums as residence interest, allowing for it to be tax deductible. H.R. 1634/S. 576- Business Property Economic Revitalization Act would shorten the tax depreciation life, on non-residential property, from 39 years to 10 years. S. 1918-Would allow money given for the purpose of downpayment assistance to qualified organizations to be considered as charitable donations on tax returns. H.R. 22-The Individual and Small Business Tax Simplification Act of 2003 would amend the IRS Code to simplify certain provisions and establish a uniform pass-thru regime. H.R. 2896/H.R. 4520-American Jobs Creation Act would reduce the depreciation period for leasehold improvements from 39 years to 15 years, extend the 50% bonus depreciation until December 2005, allow mortgage insurance payments to be deductible, allow all prepayments of Mortgage Revenue Bond backed mortgages to be reused to finance new loans, and amend Section 1031 of U.S. Tax Code (Title 26). H.R. 3521/S. 1896-Tax Relief Extension Act would extend a number of expiring tax provisions, including the Brownfield clean up deduction. S. 597-The bill would create tax incentives for property owners and landlords who made their properties more energy efficient. H.R. 666-Mortgage Cancellation Relief Act would grant relief from discharge of indebtedness rules for sales of residences. H.R. 839/S. 875/S. 198-Renewing the Dream Tax Credit Act would allow developers and envestors who construct or rehabilitate housing for low- and moderate-income families for purchase to claim a tax credit up to 50% of the cost over a five-year period. H.R. 4221-This bill would reduce the depreciation recapture tax rate from the current 25% down to 15%. S. 150/S. 2084-These bills would extend the moratorium that bars state and local governments from imposing multiple and discriminatory taxes on internet access. H.R. 4113-Would amend the Section of the IRS Tax Code governing commercial mortgage-backed securities, allowing for modifications and/or changes to be made to the properties. Treasury Department's Fiscal Year 2005 Budget proposal to "close loopholes, halt several abusive tax avoidance transactions, and simplify the tax code."

H.R. 111/S. 98-Community Choice in Real Estate Act would ensure that banks would not be allowed to engage in the selling or direct purchasing of property. H.R. 1357-Homeowners Emergency Assistance Act would restore home mortgage assistance through the FHA single-family mortgage insurance program. H.R. 1443-Access to affordable Mortgages Act would change language in laws that allow for ARMs, so they state that ARMs are capped at 1% for terms of 3 years and under, as opposed to the current 5 years and under. S. 1928- Predatory Lending Consumer Protection is a federal anti-predatory lending bill containing case-by-case review of a borrower's ability to repay the loan and no assignment of liability. H.R. 2575-Secondary Mortgage Market Enterprises Regulatory Improvement Act would amend the Homeowners' Loan Act to rename the Office of Thrift Supervision as the Office of Housing Finance Supervision, giving this office direct authority over Fannie Mae and Freddie Mac to ensure they are financially safe and adequately capitalized. H.R. 2803-Housing Finance Regulatory Restructuring Act would establish the Office of Housing Finance Oversight in the Department of the Treasury to ensure the financial safety and soundness of Fannie Mae, Freddie Mac, and the Federal home loan banks. H.R. 284/S. 595-Housing Bond Fairness Act would rescind the sunset date on Mortgage Revenue Bonds, create a new qualifying system, and makes housing credit apartment production viable in rural areas. H.R. 975-Bankruptcy Abuse Prevention and Consumer Protection Act would reform bankruptcy laws to force people with the ability to repay their debts to file under Chapter 13, where courts establish repayment plans, instead of Chapter 7, which erases debts. H.R. 3507-Improving Homeownership in High Cost Areas, this bill would increase the conforming loan limit for states with a Statistical Metropolitan Area above the regular conforming loan limit. H.R. 3755-Zero Downpayment Act, amends the National Housing Act to authorize the Secretary of HUD to insure zero-downpayment mortgages for one-family residences. H.R. 4110-FHA Single Family Loan Limit Adjustment Act, would amend the National Housing Act to increase Federal Housing Administration (FHA) single family mortgage limits. Federal Reserve's decision to implement the Basel II Accord, the purpose of which is to reduce risk exposure to global economic cycles and level the playing field for large international banks. This Accord would update the original Basel Capital Accord from 1988. The U.S. Department of the Treasury is considering defining REALTORS as "Financial Institutions:, in that it related to the application of the anti-money laundering program of the USA PATRIOT Act. The Creation of a Federal Housing Authority sub-prime loan product for borrowers who would not meet traditional underwriting standards with respect to credit history; but meet the debt, income, and repayment ability standards. The proposed HUD rule to expand its offerings of adjustable rate mortgage products on FHA insured mortgages. The rule would create ARM products, the interest rate for 3 year and 5-year ARMs cannot change by more than 1% for the life of the loan. For 7-year and 10-year ARMs, the maximums are 2% annually and 6% for the life of the loan. Fannie Mae's and Freddie Mac's rule change that would boost interest rates or fees on cash-out refinancing that involve loans of more than 70% of a home's value, which could stop homeowners form tapping their equity. HUD's proposed rule on the Real Estate Settlement Procedures Act and its application. The OCC rule stating it "occupies the field" for all laws regarding national banks (Published at 69 Fed. Reg. 1895 (2004)). Ginnie Mae requirement that FHA insured mortgages that are prepayed still accumulate interest until the last day of the month that the prepayment is made. HUD's final rule on FHA multifamily loan limits.

H.R. 111/S. 98-Community Choice in Real Estate Act would ensure that banks would not be allowed to engage in the selling or direct purchasing of property. H.R. 1357-Homeowners Emergency Assistance Act would restore home mortgage assistance through the FHA single-family mortgage insurance program. H.R. 1443-Access to Affordable Mortgages Act would change language in laws that allow for ARMs, so they state that ARMs are capped at 1% for terms of 3 years and under, as opposed to the current 5 years and under. S. 1928-Predatory Lending Consumer Protection is a federal anti-predatory lending bill containing case-by-case review of a borrower's ability to repay the loan and no assignment of liability. H.R. 2575-Secondary Mortgage Market Enterprises Regulatory Improvement Act would amend the Homeowners' Loan Act to rename the Office of Thrift Supervision as the Office of Housing Finance Supervision, giving this office direct authority over Fannie Mae and Freddie Mac to ensure they are financially safe and adequately capitalized. H.R. 2803-Housing Finance Regulatory Restructuring Act would establish the Office of Housing Finance Oversight in the Department of the Treasury to ensure the financial safety and soundness of Fannie Mae, Freddie Mac, and the Federal home loan banks. H.R. 284/S. 5958-Housing Bond Fairness Act would rescind the sunset date on Mortgage Revenue Bonds, create a new qualifying system, and makes housing credit apartment production viable in rural areas. H.R. 975-Bankruptcy Abuse Prevention and Consumer Protection Act would reform bankruptcy laws to force people with the ability to repay their debts to file under Chapter 13, where courts establish repayment plans, instead of Chapter 7, which erases debts. H.R. 3507-Improving Homeownership in High Cost Areas, this bill would increase the conforming loan limit for states with a Statistical Metropolitan Area above the regular conforming loan limit. H.R. 3755-Zero Downpayment Act, amends the National Housing Act to authorize the Secretary of HUD to insure zero-downpayment mortgages for one-family residences. H.R. 4110-FHA Single Family Loan Limit Adjustment Act, would amend the National Housing Act to increase Federal Housing Administration (FHA) single family mortgage limits. Federal Reserve's decision to implement the Basel II Accord. This Accord would update the original Basel Capital Accord from 1988. The U.S. Department of the Treasury is considering defining REALTORS as "Financial Institutions," in that it relates to the application of the anti-money laundering program of the USA PATRIOT Act. The Creation of a Federal Housing Authority sub-prime loan product for borrowers who would not meet traditional underwriting standards with respect to credit history; but meet the debt income, and repayment ability standards. The proposed HUD rule to expand its offerings of adjustable rate mortgage products on FHA insured mortgages. The rule would create ARM products, the interest rate for 3 year and 5 year ARMs cannot change by more than 1% for the life of the loan. For 7 year and 10 year ARMs, the maximums are 2% annually and 6% for the life of the loan. Fannie Mae's and Freddie Mac's rule change that would boost interest rates for fees on cash-out refinancing that involve loans of more than 70% of a home's value, which could stop homeowners from tapping their equity. HUD's proposed rule on the Real Estate Settlement Procedures Act and its application. The OCC rule stating it "occupies the field" for all laws regarding national banks (Published at 69 Fed. Reg. 1895 (2004)). Ginnie Mae requirement that FHA insured mortgages that are prepaid still accumulate interest until the last day of the month that the prepayment is made. HUD's final rule on FHA multifamily loan limits. HUD's proposal to require mortgagees of FHA-insured mortgages to collect as part of the monthly mortgage payment an escrow of the amounts necessary for the payment of condominium or homeowners association fees.

H.R. 111/S. 98-Community Choice in Real Estate Act would ensure that banks would not be allowed to engage in the selling or direct purchasing of property. H.R. 1357-Homeowners Emergency Assistance Act would restore home mortgage assistance through the FHA single-family mortgage insurance program. H.R. 1443-Access to Affordable Mortgages Act would change language in laws that allow for ARMs, so they state that ARMs are capped at 1% for terms of 3 years and under, as opposed to the current 5 years and under. S. 1928-Predatory Lending Consumer Protection is a federal anti-predatory lending bill containing case-by-case review of a borrower's ability to repay the loan and no assignment of liability. H.R. 2575-Secondary Mortgage Market Enterprises Regulatory Improvement Act would amend the Homeowners' Loan Act to rename the Office of Thrift Supervision as the Office of Housing Finance Supervision, giving this office direct authority over Fannie Mae and Freddie Mac to ensure they are financially safe and adequately capitalized. H.R. 2803-Housing Finance Regulatory Restructuring Act would establish the Office of Housing Finance Oversight in the Department of the Treasury to ensure the financial safety and soundness of Fannie Mae, Freddie Mac, and the Federal home loan banks. H.R. 284/S. 5958-Housing Bond Fairness Act would rescind the sunset date on Mortgage Revenue Bonds, create a new qualifying system, and makes housing credit apartment production viable in rural areas. H.R. 975-Bankruptcy Abuse Prevention and Consumer Protection Act would reform bankruptcy laws to force people with the ability to repay their debts to file under Chapter 13, where courts establish repayment plans, instead of Chapter 7, which erases debts. H.R. 3507-Improving Homeownership in High Cost Areas, this bill would increase the conforming loan limit for states with a Statistical Metropolitan Area above the regular conforming loan limit. H.R. 3755-Zero Downpayment Act, amends the National Housing Act to authorize the Secretary of HUD to insure zero-downpayment mortgages for one-family residences. H.R. 4110-FHA Single Family Loan Limit Adjustment Act, would amend the National Housing Act to increase Federal Housing Administration (FHA) single family mortgage limits. Federal Reserve's decision to implement the Basel II Accord. This Accord would update the original Basel Capital Accord from 1988. The U.S. Department of the Treasury is considering defining REALTORS as "Financial Institutions," in that it relates to the application of the anti-money laundering program of the USA PATRIOT Act. The Creation of a Federal Housing Authority sub-prime loan product for borrowers who would not meet traditional underwriting standards with respect to credit history; but meet the debt income, and repayment ability standards. The proposed HUD rule to expand its offerings of adjustable rate mortgage products on FHA insured mortgages. The rule would create ARM products, the interest rate for 3 year and 5 year ARMs cannot change by more than 1% for the life of the loan. For 7 year and 10 year ARMs, the maximums are 2% annually and 6% for the life of the loan. Fannie Mae's and Freddie Mac's rule change that would boost interest rates for fees on cash-out refinancing that involve loans of more than 70% of a home's value, which could stop homeowners from tapping their equity. HUD's proposed rule on the Real Estate Settlement Procedures Act and its application. The OCC rule stating it "occupies the field" for all laws regarding national banks (Published at 69 Fed. Reg. 1895 (2004)). Ginnie Mae requirement that FHA insured mortgages that are prepaid still accumulate interest until the last day of the month that the prepayment is made. HUD's final rule on FHA multifamily loan limits. HUD's proposal to require mortgagees of FHA-insured mortgages to collect as part of the monthly mortgage payment an escrow of the amounts necessary for the payment of condominium or homeowners association fees.

H.R. 111/S. 98-Community Choice in Real Estate Act would ensure that banks would not be allowed to engage in the selling or direct purchasing of property. H.R. 1357-Homeowners Emergency Assistance Act would restore home mortgage assistance through the FHA single-family mortgage insurance program. H.R. 1443-Access to affordable Mortgages Act would change language in laws that allow for ARMs, so they state that ARMs are capped at 1% for terms of 3 years and under, as opposed to the current 5 years and under. S. 1928- Predatory Lending Consumer Protection is a federal anti-predatory lending bill containing case-by-case review of a borrower's ability to repay the loan and no assignment of liability. H.R. 2575-Secondary Mortgage Market Enterprises Regulatory Improvement Act would amend the Homeowners' Loan Act to rename the Office of Thrift Supervision as the Office of Housing Finance Supervision, giving this office direct authority over Fannie Mae and Freddie Mac to ensure they are financially safe and adequately capitalized. H.R. 2803-Housing Finance Regulatory Restructuring Act would establish the Office of Housing Finance Oversight in the Department of the Treasury to ensure the financial safety and soundness of Fannie Mae, Freddie Mac, and the Federal home loan banks. H.R. 284/S. 595-Housing Bond Fairness Act would rescind the sunset date on Mortgage Revenue Bonds, create a new qualifying system, and makes housing credit apartment production viable in rural areas. H.R. 975-Bankruptcy Abuse Prevention and Consumer Protection Act would reform bankruptcy laws to force people with the ability to repay their debts to file under Chapter 13, where courts establish repayment plans, instead of Chapter 7, which erases debts. H.R. 3507-Improving Homeownership in High Cost Areas, this bill would increase the conforming loan limit for states with a Statistical Metropolitan Area above the regular conforming loan limit. H.R. 3755-Zero Downpayment Act, amends the National Housing Act to authorize the Secretary of HUD to insure zero-downpayment mortgages for one-family residences. H.R. 4110-FHA Single Family Loan Limit Adjustment Act, would amend the National Housing Act to increase Federal Housing Administration (FHA) single family mortgage limits. Federal Reserve's decision to implement the Basel II Accord, the purpose of which is to reduce risk exposure to global economic cycles and level the playing field for large international banks. This Accord would update the original Basel Capital Accord from 1988. The U.S. Department of the Treasury is considering defining REALTORS as "Financial Institutions:, in that it related to the application of the anti-money laundering program of the USA PATRIOT Act. The Creation of a Federal Housing Authority sub-prime loan product for borrowers who would not meet traditional underwriting standards with respect to credit history; but meet the debt, income, and repayment ability standards. The proposed HUD rule to expand its offerings of adjustable rate mortgage products on FHA insured mortgages. The rule would create ARM products, the interest rate for 3 year and 5-year ARMs cannot change by more than 1% for the life of the loan. For 7-year and 10-year ARMs, the maximums are 2% annually and 6% for the life of the loan. Fannie Mae's and Freddie Mac's rule change that would boost interest rates or fees on cash-out refinancing that involve loans of more than 70% of a home's value, which could stop homeowners form tapping their equity. HUD's proposed rule on the Real Estate Settlement Procedures Act and its application. The OCC rule stating it "occupies the field" for all laws regarding national banks (Published at 69 Fed. Reg. 1895 (2004)). Ginnie Mae requirement that FHA insured mortgages that are prepayed still accumulate interest until the last day of the month that the prepayment is made. HUD's final rule on FHA multifamily loan limits.

H.R. 1500-Would authorize a veteran to select an appraiser prior to the purchase of housing under a loan guaranteed by the Department of Veterans Affairs. H.R. 4345/S. 2522-Amends Federal veterans' benefits law to revise the maximum amount of home loan guaranty available under the home loan guaranty program of the Department of Veterans Affairs, specifically the guaranty of any loan of more than $144,000. Replaces the current formula of the lesser of $60,000 or 25 percent of the loan with the lesser of a certain maximum guaranty amount or 25 percent of the loan.

H.R. 1500-Would authorize a veteran to select an appraiser prior to the purchase of housing under a loan guaranteed by the Department of Veterans Affairs. H.R. 4345/S. 2522-Amends Federal veterans' benefits law to revise the maximum amount of home loan guaranty available under the home loan guaranty program of the Department of Veterans Affairs, specifically the guaranty of any loan of more that $144,000. Replaces the current formula of the lesser of $60,000 or 25 percent of the loan with the lesser of a certain maximum guaranty amount or 25 percent of the loan.

S. 1373-Insurance Consumer Protection. H.R. 1552-Homeowners' insurance availability would implement a reinsurance coverage program for residential property losses to homes and the contents of apartment buildings, caused by "covered perils," available only through contracts for reinsurance coverage purchased at regional auctions. This would act as a federal backstop to help cover the cost of large natural disasters. H.R. 660/S. 545-Small Business Health Fairness Act would create federal regulations for Association Health Plans, allowing them to negotiate on behalf of their members for health benefits exempt from most state laws. S. 2238/H.R. 253-National Flood Insurance Program Reauthorization. The Secretary of the Treasury's decision to extend the "make available" provision of the Terrorism Risk Insurance Program. Draft legislation that would reform the insurance regulatory system.

S. 1373-Insurance Consumer Protection. H.R. 1552-Homeowners' insurance availability would implement a reinsurance coverage program for residential property losses to homes and the contents of apartment buildings, caused by "covered perils", available only through contracts for reinsurance coverage purchased at regional auctions. This would act as a federal backstop to help cover the cost of large natural disasters. H.R. 660/ S. 545-Small Business Health Fairness Act would create federal regulations for Association Health Plans, allowing them to negotiate on behalf of their members for health benefits exempt from most state laws. S. 2238/H.R. 253-National Flood Insurance Program Reauthorization. The Secretary of the Treasury's decision to extend the "make available" provision of the Terrorism Risk Insurance Program.

H.R. 1077-Hope VI Program Revitalization Act of 2003 amends the United States Housing Act of 1937 to extend and authorize appropriations for the HOPE VI revitalization program. Revises grant selection criteria. H.R. 1102-National Affordable Housing Trust Fund Act would fund a new federal housing production program utilizing excess FHA and Ginnie Mae revenues to meet the goal of 1.5 million units of housing by 2010. H.R. 1276/S. 811-American Dream Downpayment Act will provide $200 million in grants to help homebuyers with downpayment and closing costs. H.R. 1614 Hope VI Program Reauthorization and Small Community Mainstreet Rejuvenation and Housing Act of 2003-(Sec.2) amends the United States Housing Act of 1937 to revise criteria for Hope VI grants, including addition of criteria regarding tenant displacement, existing tenant occupancy priority, and timelines of project completion. H.R. 1985/S. 1714-FHA Multi-Family Loan Limit Adjustment Act would increase affordable housing availability for low- and moderate-income families. The bill would allow HUD to increase multi-family mortgage loan limits for FHA insured properties. S. 602-New Homestead Act would create financial incentives for individuals who choose to live in and help preserve small rural towns. HUD's initiative on removal of regulatory barriers: proposals for incentive criteria on barrier removal in HUD's funding allocations. HUD's proposed raising of the 2005-2008 housing goals for Fannie Mae and Freddie Mac for low- and moderate-income homebuyers, special affordable, and underserved areas. HUD's proposed rule regarding the disposition of HUD-acquired single family property and disciplinary actions against HUD-qualified real estate brokers (Docket No. FR-4871-P-01; HUD 2004-0006). HUD Solicitation R-OPC-22505, Single Family Housing Management & Marketing Services. HUD's awarding of the 2004 Management & Marketing Services contract for Northern and Southern California to PEMCO, LTD. – a non-California based company. Federal Deposit Insurance Corporation (FDIC) proposal regarding the Community Reinvestment Act. Specifically, the FDIC's proposal to change the definition of “small bank” from banks with assets of $250 million or less to banks with assets of $1 billion or less.

H.R. 1077-Hope VI Program Revitalization Act of 2003 amends the United States Housing Act of 1937 to extend and authorize appropriations for the HOPE VI revitalization program. Revises grant selection criteria. H.R. 1102-National Affordable Housing Trust Fund Act would fund a new federal housing production program utilizing excess FHA and Ginnie Mae revenues to meet the goal of 1.5 million units of housing by 2010. H.R. 1276/S. 811-American Dream Downpayment Act will provide $200 million in grants to help homebuyers with downpayment and closing costs, assisting 40,000 families annually achieve the dream of homeownership. H.R. 1614 Hope VI Program Reauthorization and Small Community Mainstreet Rejuvenation and Housing Act of 2003-(Sec.2) Amends the United States Housing Act of 1937 to revise criteria for Hope VI grants, including addition of criteria regarding tenant displacement, existing tenant occupancy priority, and timelines of project completion. H.R. 1985/S. 1714-FHA Multi-Family Loan Limit Adjustment Act would increase affordable housing availability for low- and moderate-income families. The bill would allow HUD to increase multi-family mortgage loan limits for FHA insured properties. S. 602-New Homestead Act would create financial incentives for individuals who choose to live in and help preserve small rural towns. HUD's initiative on removal of regulatory barriers: proposals for incentive criteria on barrier removal in HUD's funding allocations, Docket No. FR-4882-N-01. HUD's proposed raising of the 2005-2008 housing goals for Fannie Mae and Freddie Mac for low- and moderate-income homebuyers, special affordable, and underserved areas.

S. 1175-First-Time Homebuyers' Tax Credit Act would allow first-time homebuyers to receive a tax credit of up to #3000 for individuals or $6000 for married couples. S. 1175 allows individuals or couples in the 25% or lower tax brackets to take a tax credit on the purchase of their principal residence. H.R. 1336/S. 846-Mortgage Insurance Fairness Act would Amend the IRS code of 1986 to classify mortgage insurance premiums as residence interest, allowing for it to be tax deductible. H.R. 1634/S. 576-Business Property Economic Revitalization Act would shorten the tax depreciation life, on non-residential property, from 39 years to 10 years. S. 1918-would allow money given for the purpose of downpayment assistance to qualified organizations to be considered as charitable donations on tax returns. H.R. 22-The Individual and Small Business Tax Simplification Act of 2003 would amend the IRS Code to simplify certain provisions and establish a uniform pass-thru regime. H.R. 2896/H.R. 4520-American Jobs Creation Act would reduce the depreciation period for leasehold improvements from 39 years to 15 years, and extend the 50% bonus depreciation until December 2005. H.R. 3521/S. 1896-Tax Relief Extension Act would extend a number of expiring tax provisions, including the brownfield clean up deduction. S. 597-The bill would create tax incentives for property owners and landlords who made their properties more energy efficient. H.R. 666-Mortgage Cancellation Relief Act would grant relief from the discharge of indebtedness rules for sales of residences. H.R. 839/S. 875/S. 198-REnewing the Dream Tax Credit Act would allow developers and investors who construct or rehabilitate housing for low- and moderate-income families for purchase to claim a tax credit up to 50% of the cost over a five-year period. H.R. 4221-This bill would reduce the depreciation recapture tax rate from the current 25% down to 15%. S. 150/S. 2084-These bills would extend the moratorium that bars state and local governments from imposing multiple and discriminatory taxes on internet access. Treasury Department's Fiscal Year 2005 Budget proposal to "close loopholes, halt several abusive tax avoidance transactions, and simplify the tax code."

S. 1175-First-Time Homebuyers' Tax Credit Act would allow first-time homebuyers to receive a tax credit of up to $3000 for individuals or $6000 for married couples. H.R. 1336/S. 846-Mortgage Insurance Fairness Act would Amend the IRS code of 1986 to classify mortgage insurance premiums as residence interest, allowing for it to be tax deductible. H.R. 1634/S. 576- Business Property Economic Revitalization Act would shorten the tax depreciation life, on non-residential property, from 39 years to 10 years. S. 1918-Would allow money given for the purpose of downpayment assistance to qualified organizations to be considered as charitable donations on tax returns. H.R. 22-The Individual and Small Business Tax Simplification Act of 2003 would amend the IRS Code to simplify certain provisions and establish a uniform pass-thru regime. H.R. 2896/H.R. 4520-American Jobs Creation Act would reduce the depreciation period for leasehold improvements from 39 years to 15 years, extend the 50% bonus depreciation until December 2005, allow mortgage insurance payments to be deductible, allow all prepayments of Mortgage Revenue Bond backed mortgages to be reused to finance new loans, and amend Section 1031 of U.S. Tax Code (Title 26). H.R. 3521/S. 1896-Tax Relief Extension Act would extend a number of expiring tax provisions, including the Brownfield clean up deduction. S. 597-The bill would create tax incentives for property owners and landlords who made their properties more energy efficient. H.R. 666-Mortgage Cancellation Relief Act would grant relief from discharge of indebtedness rules for sales of residences. H.R. 839/S. 875/S. 198-Renewing the Dream Tax Credit Act would allow developers and envestors who construct or rehabilitate housing for low- and moderate-income families for purchase to claim a tax credit up to 50% of the cost over a five-year period. H.R. 4221-This bill would reduce the depreciation recapture tax rate from the current 25% down to 15%. S. 150/S. 2084-These bills would extend the moratorium that bars state and local governments from imposing multiple and discriminatory taxes on internet access. H.R. 4113-Would amend the Section of the IRS Tax Code governing commercial mortgage-backed securities, allowing for modifications and/or changes to be made to the properties. Treasury Department's Fiscal Year 2005 Budget proposal to "close loopholes, halt several abusive tax avoidance transactions, and simplify the tax code."

H.R. 1115/S. 274/S. 1751-Class Action Fairness Act would give federal courts jurisdiction over class action cases that have national implications, and/or a majority of plaintiffs in multiple states. H.R. 1766-National Uniform Privacy Standards Act would make permanent the provisions of the Fair Credit Reporting Act and amend the Gramm-Leach-Bliley Act to establish a national uniform privacy standard for financial institutions. H.R. 2622-Fair & Accurate Credit Transaction Act amended the Fair Credit Reporting Act, to prevent identity theft, improve resolution of consumer disputes, improve the accuracy of consumer records, make improvements in the use of, and consumer access to credit information, and for other purposes. H.R. 728-ADA Notification Act would require that businesses be given 90 days notice of a violation before they can be sued. S. 877-CAN-SPAM Act ensures that all unsolicited electronic emails contain correct factual information, present themselves as advertisement or marketing, the possible creation of a do-not-spam registry, allow for the recipient to request not to receive any more, and instructs the FTC to define what a commercial electronic mail message is. H.R. 1636- Consumer Privacy Protection requires data collection organizations to notify consumers at the time of collection that their personally identifiable information may be used for an unrelated transaction purpose. H.R. 4600-The Junk Fax Prevention Act would broaden the FCC's July 2003 ruling regarding unsolicited facsimile advertisement to a business or residential fax machine.

H.R. 1115/S. 274/S. 1751-Class Action Fairness Act would give federal courts jurisdiction over class action cases that have national implications, and/or a majority of plaintiffs in multiple states. S. 1370-Consumer Credit Score Disclosure Act would amend the Fair Credit Reporting Act to provide for disclosure of credit-scoring information by creditors and consumer reporting agencies. H.R. 1766-National Uniform Privacy Standards Act would make permanent the provisions of the Fair Credit Reporting Act and amend the Gramm-Leach Bliley Act to establish a national uniform privacy standard for financial institutions. H.R. 2622-Fair & Accurate Credit Transaction Act amended the Fair Credit Reporting Act, to prevent identity theft, improve resolution of consumer disputes, improve the accuracy of consumer records, make improvements in the use of, and consumer access to, credit information, and for other purposes. H.R. 728-ADA Notification Act would require that businesses be given 90 days notice of a violation before they can be sued. S. 877 CAN-SPAM Act ensures that all unsolicited electronic emails contain correct factual information, present themselves as advertisement or marketing, the possible creation of a do-not-spam registry, and allow for the recipient to request not to receive any more. H.R. 1636-Consumer Privacy Protection, requires data collection organizations to notify consumers at the time of collection that their personally identifiable information may be used for an unrelated transaction purpose. Federal Communications Commission rules and regulations implementing the Telephone Consumer Protection Act of 1992, FCC 03-153 that would create a national Do-Not-Call Registry Covering both interstate and intrastate phone calls.

H.R. 2828/H.R. 2641-CALFED, would help ensure the future water supply of California. H.R. 1663-Replaces two maps relating to the Coastal Barrier Resources System Cape Fear Unit NC-07P. Directs the Secretary of the Interior to keep such maps on file and available for inspection in accordance with the Coastal Barrier Resources Act. H.R. 3529-would cancel two specific Bureau of Land Management sand and gravel mining leases for lands in Soledad Canyon, CA., and impose conditions for future mining in the area. H.R. 2933-Critical Habitat Reform Act, would give greater weight to economic considerations when the United States Fish and Wildlife Service is designating critical habitat. Amending the Endangered Species Act and the Critical Habitat Designations, to give government agencies the discretion to delay the designation of critical habitat to the stage where a recovery plan is being prepared for an endangered species. The Federal Environmental Protection Agency and the U.S. Army Corps of Engineers published an advanced Notice of proposed Rulemaking to clarify what kinds of wetlands are regulated under the Clean Water Act. FEMA's implementation of new Flood Plan Maps.

H.R. 2828/H.R. 2641-Would help ensure the future water supply of California, also known as CALFED. H.R. 1663-Replaces two maps relating to the Coastal Barrier Resources System Cape Fear Unit NC-07P. Directs the Secretary of the Interior to keep such maps on file and available for inspection in accordance with the Coastal Barrier Resources Act. H.R. 3529-would cancel two specific Bureau of Land Management sand and gravel mining leases for lands in Soledad Canyon, CA., and impose conditions for future mining in the area. H.R. 2933-Critical Habitat Reform Act, would give greater weight to economic considerations when the United States Fish and Wildlife Service is designating critical habitat. Amending the Endangered Species Act and the Critical Habitat Designations, to give government agencies the discretion to delay the designation of critical habitat to the stage where a recovery plan is being prepared for an endangered species. The Federal Environmental Protection Agency and the U.S. Army Corps of Engineers published an advanced Notice of Proposed Rulemaking to clarify what kinds of wetlands are regulated under the Clean Water Act. FEMA's implementation of new Flood Plan Maps.

H.R. 1115/S. 274/S. 1751-Class Action Fairness Act would give federal courts jurisdiction over class action cases that have national implications, and/or a majority of plaintiffs in multiple states. H.R. 1766-National Uniform Privacy Standards Act would make permanent the provisions of the Fair Credit Reporting Act and amend the Gramm-Leach-Bliley Act to establish a national uniform privacy standard for financial institutions. H.R. 2622-Fair & Accurate Credit Transaction Act amended the Fair Credit Reporting Act, to prevent identity theft, improve resolution of consumer disputes, improve the accuracy of consumer records, make improvements in the use of, and consumer access to credit information, and for other purposes. H.R. 728-ADA Notification Act would require that businesses be given 90 days notice of a violation before they can be sued. S. 877-CAN-SPAM Act ensures that all unsolicited electronic emails contain correct factual information, present themselves as advertisement or marketing, the possible creation of a do-not-spam registry, allow for the recipient to request not to receive any more, and instructs the FTC to define what a commercial electronic mail message is. H.R. 1636- Consumer Privacy Protection requires data collection organizations to notify consumers at the time of collection that their personally identifiable information may be used for an unrelated transaction purpose. H.R. 4600-The Junk Fax Prevention Act would broaden the FCC's July 2003 ruling regarding unsolicited facsimile advertisement to a business or residential fax machine.

H.R. 1115/S. 274/S. 1751-Class Action Fairness Act would give federal courts jurisdiction over class action cases that have national implications, and/or a majority of plaintiffs in multiple states. S. 1370-Consumer Credit Score Disclosure Act would amend the Fair Credit Reporting Act to provide for disclosure of credit-scoring information by creditors and consumer reporting agencies. H.R. 1766-National Uniform Privacy Standards Act would make permanent the provisions of the Fair Credit Reporting Act and amend the Gramm-Leach Bliley Act to establish a national uniform privacy standard for financial institutions. H.R. 2622-Fair & Accurate Credit Transaction Act amended the Fair Credit Reporting Act, to prevent identity theft, improve resolution of consumer disputes, improve the accuracy of consumer records, make improvements in the use of, and consumer access to, credit information, and for other purposes. H.R. 728-ADA Notification Act would require that businesses be given 90 days notice of a violation before they can be sued. S. 877 CAN-SPAM Act ensures that all unsolicited electronic emails contain correct factual information, present themselves as advertisement or marketing, the possible creation of a do-not-spam registry, and allow for the recipient to request not to receive any more. H.R. 1636-Consumer Privacy Protection, requires data collection organizations to notify consumers at the time of collection that their personally identifiable information may be used for an unrelated transaction purpose. Federal Communications Commission rules and regulations implementing the Telephone Consumer Protection Act of 1992, FCC 03-153 that would create a national Do-Not-Call Registry Covering both interstate and intrastate phone calls.

H.R. 1077-Hope VI Program Revitalization Act of 2003 amends the United States Housing Act of 1937 to extend and authorize appropriations for the HOPE VI revitalization program. Revises grant selection criteria. H.R. 1102-National Affordable Housing Trust Fund Act would fund a new federal housing production program utilizing excess FHA and Ginnie Mae revenues to meet the goal of 1.5 million units of housing by 2010. H.R. 1276/S. 811-American Dream Downpayment Act will provide $200 million in grants to help homebuyers with downpayment and closing costs, assisting 40,000 families annually achieve the dream of homeownership. H.R. 1614 Hope VI Program Reauthorization and Small Community Mainstreet Rejuvenation and Housing Act of 2003-(Sec.2) Amends the United States Housing Act of 1937 to revise criteria for Hope VI grants, including addition of criteria regarding tenant displacement, existing tenant occupancy priority, and timelines of project completion. H.R. 1985/S. 1714-FHA Multi-Family Loan Limit Adjustment Act would increase affordable housing availability for low- and moderate-income families. The bill would allow HUD to increase multi-family mortgage loan limits for FHA insured properties. S. 602-New Homestead Act would create financial incentives for individuals who choose to live in and help preserve small rural towns. HUD's initiative on removal of regulatory barriers: proposals for incentive criteria on barrier removal in HUD's funding allocations, Docket No. FR-4882-N-01. HUD's proposed raising of the 2005-2008 housing goals for Fannie Mae and Freddie Mac for low- and moderate-income homebuyers, special affordable, and underserved areas.

H.R. 1077-Hope VI Program Revitalization Act of 2003 amends the United States Housing Act of 1937 to extend and authorize appropriations for the HOPE VI revitalization program. Revises grant selection criteria. H.R. 1102-National Affordable Housing Trust Fund Act would fund a new federal housing production program utilizing excess FHA and Ginnie Mae revenues to meet the goal of 1.5 million units of housing by 2010. H.R. 1276/S. 811-American Dream Downpayment Act will provide $200 million in grants to help homebuyers with downpayment and closing costs. H.R. 1614 Hope VI Program Reauthorization and Small Community Mainstreet Rejuvenation and Housing Act of 2003-(Sec.2) amends the United States Housing Act of 1937 to revise criteria for Hope VI grants, including addition of criteria regarding tenant displacement, existing tenant occupancy priority, and timelines of project completion. H.R. 1985/S. 1714-FHA Multi-Family Loan Limit Adjustment Act would increase affordable housing availability for low- and moderate-income families. The bill would allow HUD to increase multi-family mortgage loan limits for FHA insured properties. S. 602-New Homestead Act would create financial incentives for individuals who choose to live in and help preserve small rural towns. HUD's initiative on removal of regulatory barriers: proposals for incentive criteria on barrier removal in HUD's funding allocations. HUD's proposed raising of the 2005-2008 housing goals for Fannie Mae and Freddie Mac for low- and moderate-income homebuyers, special affordable, and underserved areas. HUD's proposed rule regarding the disposition of HUD-acquired single family property and disciplinary actions against HUD-qualified real estate brokers (Docket No. FR-4871-P-01; HUD 2004-0006). HUD Solicitation R-OPC-22505, Single Family Housing Management & Marketing Services. HUD's awarding of the 2004 Management & Marketing Services contract for Northern and Southern California to PEMCO, LTD. – a non-California based company. Federal Deposit Insurance Corporation (FDIC) proposal regarding the Community Reinvestment Act. Specifically, the FDIC's proposal to change the definition of “small bank” from banks with assets of $250 million or less to banks with assets of $1 billion or less.

S. 1175-First-Time Homebuyers' Tax Credit Act would allow first-time homebuyers to receive a tax credit of up to $3000 for individuals or $6000 for married couples. H.R. 1336/S. 846-Mortgage Insurance Fairness Act would Amend the IRS code of 1986 to classify mortgage insurance premiums as residence interest, allowing for it to be tax deductible. H.R. 1634/S. 576- Business Property Economic Revitalization Act would shorten the tax depreciation life, on non-residential property, from 39 years to 10 years. S. 1918-Would allow money given for the purpose of downpayment assistance to qualified organizations to be considered as charitable donations on tax returns. H.R. 22-The Individual and Small Business Tax Simplification Act of 2003 would amend the IRS Code to simplify certain provisions and establish a uniform pass-thru regime. H.R. 2896/H.R. 4520-American Jobs Creation Act would reduce the depreciation period for leasehold improvements from 39 years to 15 years, extend the 50% bonus depreciation until December 2005, allow mortgage insurance payments to be deductible, allow all prepayments of Mortgage Revenue Bond backed mortgages to be reused to finance new loans, and amend Section 1031 of U.S. Tax Code (Title 26). H.R. 3521/S. 1896-Tax Relief Extension Act would extend a number of expiring tax provisions, including the Brownfield clean up deduction. S. 597-The bill would create tax incentives for property owners and landlords who made their properties more energy efficient. H.R. 666-Mortgage Cancellation Relief Act would grant relief from discharge of indebtedness rules for sales of residences. H.R. 839/S. 875/S. 198-Renewing the Dream Tax Credit Act would allow developers and envestors who construct or rehabilitate housing for low- and moderate-income families for purchase to claim a tax credit up to 50% of the cost over a five-year period. H.R. 4221-This bill would reduce the depreciation recapture tax rate from the current 25% down to 15%. S. 150/S. 2084-These bills would extend the moratorium that bars state and local governments from imposing multiple and discriminatory taxes on internet access. H.R. 4113-Would amend the Section of the IRS Tax Code governing commercial mortgage-backed securities, allowing for modifications and/or changes to be made to the properties. Treasury Department's Fiscal Year 2005 Budget proposal to "close loopholes, halt several abusive tax avoidance transactions, and simplify the tax code."

S. 1175-First-Time Homebuyers' Tax Credit Act would allow first-time homebuyers to receive a tax credit of up to #3000 for individuals or $6000 for married couples. S. 1175 allows individuals or couples in the 25% or lower tax brackets to take a tax credit on the purchase of their principal residence. H.R. 1336/S. 846-Mortgage Insurance Fairness Act would Amend the IRS code of 1986 to classify mortgage insurance premiums as residence interest, allowing for it to be tax deductible. H.R. 1634/S. 576-Business Property Economic Revitalization Act would shorten the tax depreciation life, on non-residential property, from 39 years to 10 years. S. 1918-would allow money given for the purpose of downpayment assistance to qualified organizations to be considered as charitable donations on tax returns. H.R. 22-The Individual and Small Business Tax Simplification Act of 2003 would amend the IRS Code to simplify certain provisions and establish a uniform pass-thru regime. H.R. 2896/H.R. 4520-American Jobs Creation Act would reduce the depreciation period for leasehold improvements from 39 years to 15 years, and extend the 50% bonus depreciation until December 2005. H.R. 3521/S. 1896-Tax Relief Extension Act would extend a number of expiring tax provisions, including the brownfield clean up deduction. S. 597-The bill would create tax incentives for property owners and landlords who made their properties more energy efficient. H.R. 666-Mortgage Cancellation Relief Act would grant relief from the discharge of indebtedness rules for sales of residences. H.R. 839/S. 875/S. 198-REnewing the Dream Tax Credit Act would allow developers and investors who construct or rehabilitate housing for low- and moderate-income families for purchase to claim a tax credit up to 50% of the cost over a five-year period. H.R. 4221-This bill would reduce the depreciation recapture tax rate from the current 25% down to 15%. S. 150/S. 2084-These bills would extend the moratorium that bars state and local governments from imposing multiple and discriminatory taxes on internet access. Treasury Department's Fiscal Year 2005 Budget proposal to "close loopholes, halt several abusive tax avoidance transactions, and simplify the tax code."

S. 1373-Insurance Consumer Protection. H.R. 1552-Homeowners' insurance availability would implement a reinsurance coverage program for residential property losses to homes and the contents of apartment buildings, caused by "covered perils," available only through contracts for reinsurance coverage purchased at regional auctions. This would act as a federal backstop to help cover the cost of large natural disasters. H.R. 660/S. 545-Small Business Health Fairness Act would create federal regulations for Association Health Plans, allowing them to negotiate on behalf of their members for health benefits exempt from most state laws. S. 2238/H.R. 253-National Flood Insurance Program Reauthorization. The Secretary of the Treasury's decision to extend the "make available" provision of the Terrorism Risk Insurance Program. Draft legislation that would reform the insurance regulatory system.

S. 1373-Insurance Consumer Protection. H.R. 1552-Homeowners' insurance availability would implement a reinsurance coverage program for residential property losses to homes and the contents of apartment buildings, caused by "covered perils", available only through contracts for reinsurance coverage purchased at regional auctions. This would act as a federal backstop to help cover the cost of large natural disasters. H.R. 660/ S. 545-Small Business Health Fairness Act would create federal regulations for Association Health Plans, allowing them to negotiate on behalf of their members for health benefits exempt from most state laws. S. 2238/H.R. 253-National Flood Insurance Program Reauthorization. The Secretary of the Treasury's decision to extend the "make available" provision of the Terrorism Risk Insurance Program.

H.R. 111/S. 98-Community Choice in Real Estate Act would ensure that banks would not be allowed to engage in the selling or direct purchasing of property. H.R. 1357-Homeowners Emergency Assistance Act would restore home mortgage assistance through the FHA single-family mortgage insurance program. H.R. 1443-Access to affordable Mortgages Act would change language in laws that allow for ARMs, so they state that ARMs are capped at 1% for terms of 3 years and under, as opposed to the current 5 years and under. S. 1928- Predatory Lending Consumer Protection is a federal anti-predatory lending bill containing case-by-case review of a borrower's ability to repay the loan and no assignment of liability. H.R. 2575-Secondary Mortgage Market Enterprises Regulatory Improvement Act would amend the Homeowners' Loan Act to rename the Office of Thrift Supervision as the Office of Housing Finance Supervision, giving this office direct authority over Fannie Mae and Freddie Mac to ensure they are financially safe and adequately capitalized. H.R. 2803-Housing Finance Regulatory Restructuring Act would establish the Office of Housing Finance Oversight in the Department of the Treasury to ensure the financial safety and soundness of Fannie Mae, Freddie Mac, and the Federal home loan banks. H.R. 284/S. 595-Housing Bond Fairness Act would rescind the sunset date on Mortgage Revenue Bonds, create a new qualifying system, and makes housing credit apartment production viable in rural areas. H.R. 975-Bankruptcy Abuse Prevention and Consumer Protection Act would reform bankruptcy laws to force people with the ability to repay their debts to file under Chapter 13, where courts establish repayment plans, instead of Chapter 7, which erases debts. H.R. 3507-Improving Homeownership in High Cost Areas, this bill would increase the conforming loan limit for states with a Statistical Metropolitan Area above the regular conforming loan limit. H.R. 3755-Zero Downpayment Act, amends the National Housing Act to authorize the Secretary of HUD to insure zero-downpayment mortgages for one-family residences. H.R. 4110-FHA Single Family Loan Limit Adjustment Act, would amend the National Housing Act to increase Federal Housing Administration (FHA) single family mortgage limits. Federal Reserve's decision to implement the Basel II Accord, the purpose of which is to reduce risk exposure to global economic cycles and level the playing field for large international banks. This Accord would update the original Basel Capital Accord from 1988. The U.S. Department of the Treasury is considering defining REALTORS as "Financial Institutions:, in that it related to the application of the anti-money laundering program of the USA PATRIOT Act. The Creation of a Federal Housing Authority sub-prime loan product for borrowers who would not meet traditional underwriting standards with respect to credit history; but meet the debt, income, and repayment ability standards. The proposed HUD rule to expand its offerings of adjustable rate mortgage products on FHA insured mortgages. The rule would create ARM products, the interest rate for 3 year and 5-year ARMs cannot change by more than 1% for the life of the loan. For 7-year and 10-year ARMs, the maximums are 2% annually and 6% for the life of the loan. Fannie Mae's and Freddie Mac's rule change that would boost interest rates or fees on cash-out refinancing that involve loans of more than 70% of a home's value, which could stop homeowners form tapping their equity. HUD's proposed rule on the Real Estate Settlement Procedures Act and its application. The OCC rule stating it "occupies the field" for all laws regarding national banks (Published at 69 Fed. Reg. 1895 (2004)). Ginnie Mae requirement that FHA insured mortgages that are prepayed still accumulate interest until the last day of the month that the prepayment is made. HUD's final rule on FHA multifamily loan limits.

H.R. 111/S. 98-Community Choice in Real Estate Act would ensure that banks would not be allowed to engage in the selling or direct purchasing of property. H.R. 1357-Homeowners Emergency Assistance Act would restore home mortgage assistance through the FHA single-family mortgage insurance program. H.R. 1443-Access to Affordable Mortgages Act would change language in laws that allow for ARMs, so they state that ARMs are capped at 1% for terms of 3 years and under, as opposed to the current 5 years and under. S. 1928-Predatory Lending Consumer Protection is a federal anti-predatory lending bill containing case-by-case review of a borrower's ability to repay the loan and no assignment of liability. H.R. 2575-Secondary Mortgage Market Enterprises Regulatory Improvement Act would amend the Homeowners' Loan Act to rename the Office of Thrift Supervision as the Office of Housing Finance Supervision, giving this office direct authority over Fannie Mae and Freddie Mac to ensure they are financially safe and adequately capitalized. H.R. 2803-Housing Finance Regulatory Restructuring Act would establish the Office of Housing Finance Oversight in the Department of the Treasury to ensure the financial safety and soundness of Fannie Mae, Freddie Mac, and the Federal home loan banks. H.R. 284/S. 5958-Housing Bond Fairness Act would rescind the sunset date on Mortgage Revenue Bonds, create a new qualifying system, and makes housing credit apartment production viable in rural areas. H.R. 975-Bankruptcy Abuse Prevention and Consumer Protection Act would reform bankruptcy laws to force people with the ability to repay their debts to file under Chapter 13, where courts establish repayment plans, instead of Chapter 7, which erases debts. H.R. 3507-Improving Homeownership in High Cost Areas, this bill would increase the conforming loan limit for states with a Statistical Metropolitan Area above the regular conforming loan limit. H.R. 3755-Zero Downpayment Act, amends the National Housing Act to authorize the Secretary of HUD to insure zero-downpayment mortgages for one-family residences. H.R. 4110-FHA Single Family Loan Limit Adjustment Act, would amend the National Housing Act to increase Federal Housing Administration (FHA) single family mortgage limits. Federal Reserve's decision to implement the Basel II Accord. This Accord would update the original Basel Capital Accord from 1988. The U.S. Department of the Treasury is considering defining REALTORS as "Financial Institutions," in that it relates to the application of the anti-money laundering program of the USA PATRIOT Act. The Creation of a Federal Housing Authority sub-prime loan product for borrowers who would not meet traditional underwriting standards with respect to credit history; but meet the debt income, and repayment ability standards. The proposed HUD rule to expand its offerings of adjustable rate mortgage products on FHA insured mortgages. The rule would create ARM products, the interest rate for 3 year and 5 year ARMs cannot change by more than 1% for the life of the loan. For 7 year and 10 year ARMs, the maximums are 2% annually and 6% for the life of the loan. Fannie Mae's and Freddie Mac's rule change that would boost interest rates for fees on cash-out refinancing that involve loans of more than 70% of a home's value, which could stop homeowners from tapping their equity. HUD's proposed rule on the Real Estate Settlement Procedures Act and its application. The OCC rule stating it "occupies the field" for all laws regarding national banks (Published at 69 Fed. Reg. 1895 (2004)). Ginnie Mae requirement that FHA insured mortgages that are prepaid still accumulate interest until the last day of the month that the prepayment is made. HUD's final rule on FHA multifamily loan limits. HUD's proposal to require mortgagees of FHA-insured mortgages to collect as part of the monthly mortgage payment an escrow of the amounts necessary for the payment of condominium or homeowners association fees.

H.R. 2828/H.R. 2641-Would help ensure the future water supply of California, also known as CALFED. H.R. 1663-Replaces two maps relating to the Coastal Barrier Resources System Cape Fear Unit NC-07P. Directs the Secretary of the Interior to keep such maps on file and available for inspection in accordance with the Coastal Barrier Resources Act. H.R. 3529-would cancel two specific Bureau of Land Management sand and gravel mining leases for lands in Soledad Canyon, CA., and impose conditions for future mining in the area. H.R. 2933-Critical Habitat Reform Act, would give greater weight to economic considerations when the United States Fish and Wildlife Service is designating critical habitat. Amending the Endangered Species Act and the Critical Habitat Designations, to give government agencies the discretion to delay the designation of critical habitat to the stage where a recovery plan is being prepared for an endangered species. The Federal Environmental Protection Agency and the U.S. Army Corps of Engineers published an advanced Notice of Proposed Rulemaking to clarify what kinds of wetlands are regulated under the Clean Water Act. FEMA's implementation of new Flood Plan Maps.

H.R. 2828/H.R. 2641-CALFED, would help ensure the future water supply of California. H.R. 1663-Replaces two maps relating to the Coastal Barrier Resources System Cape Fear Unit NC-07P. Directs the Secretary of the Interior to keep such maps on file and available for inspection in accordance with the Coastal Barrier Resources Act. H.R. 3529-would cancel two specific Bureau of Land Management sand and gravel mining leases for lands in Soledad Canyon, CA., and impose conditions for future mining in the area. H.R. 2933-Critical Habitat Reform Act, would give greater weight to economic considerations when the United States Fish and Wildlife Service is designating critical habitat. Amending the Endangered Species Act and the Critical Habitat Designations, to give government agencies the discretion to delay the designation of critical habitat to the stage where a recovery plan is being prepared for an endangered species. The Federal Environmental Protection Agency and the U.S. Army Corps of Engineers published an advanced Notice of proposed Rulemaking to clarify what kinds of wetlands are regulated under the Clean Water Act. FEMA's implementation of new Flood Plan Maps.

H.R. 111/S. 98-Community Choice in Real Estate Act would ensure that banks would not be allowed to engage in the selling or direct purchasing of property. H.R. 1357-Homeowners Emergency Assistance Act would restore home mortgage assistance through the FHA single-family mortgage insurance program. H.R. 1443-Access to Affordable Mortgages Act would change language in laws that allow for ARMs, so they state that ARMs are capped at 1% for terms of 3 years and under, as opposed to the current 5 years and under. S. 1928-Predatory Lending Consumer Protection is a federal anti-predatory lending bill containing case-by-case review of a borrower's ability to repay the loan and no assignment of liability. H.R. 2575-Secondary Mortgage Market Enterprises Regulatory Improvement Act would amend the Homeowners' Loan Act to rename the Office of Thrift Supervision as the Office of Housing Finance Supervision, giving this office direct authority over Fannie Mae and Freddie Mac to ensure they are financially safe and adequately capitalized. H.R. 2803-Housing Finance Regulatory Restructuring Act would establish the Office of Housing Finance Oversight in the Department of the Treasury to ensure the financial safety and soundness of Fannie Mae, Freddie Mac, and the Federal home loan banks. H.R. 284/S. 5958-Housing Bond Fairness Act would rescind the sunset date on Mortgage Revenue Bonds, create a new qualifying system, and makes housing credit apartment production viable in rural areas. H.R. 975-Bankruptcy Abuse Prevention and Consumer Protection Act would reform bankruptcy laws to force people with the ability to repay their debts to file under Chapter 13, where courts establish repayment plans, instead of Chapter 7, which erases debts. H.R. 3507-Improving Homeownership in High Cost Areas, this bill would increase the conforming loan limit for states with a Statistical Metropolitan Area above the regular conforming loan limit. H.R. 3755-Zero Downpayment Act, amends the National Housing Act to authorize the Secretary of HUD to insure zero-downpayment mortgages for one-family residences. H.R. 4110-FHA Single Family Loan Limit Adjustment Act, would amend the National Housing Act to increase Federal Housing Administration (FHA) single family mortgage limits. Federal Reserve's decision to implement the Basel II Accord. This Accord would update the original Basel Capital Accord from 1988. The U.S. Department of the Treasury is considering defining REALTORS as "Financial Institutions," in that it relates to the application of the anti-money laundering program of the USA PATRIOT Act. The Creation of a Federal Housing Authority sub-prime loan product for borrowers who would not meet traditional underwriting standards with respect to credit history; but meet the debt income, and repayment ability standards. The proposed HUD rule to expand its offerings of adjustable rate mortgage products on FHA insured mortgages. The rule would create ARM products, the interest rate for 3 year and 5 year ARMs cannot change by more than 1% for the life of the loan. For 7 year and 10 year ARMs, the maximums are 2% annually and 6% for the life of the loan. Fannie Mae's and Freddie Mac's rule change that would boost interest rates for fees on cash-out refinancing that involve loans of more than 70% of a home's value, which could stop homeowners from tapping their equity. HUD's proposed rule on the Real Estate Settlement Procedures Act and its application. The OCC rule stating it "occupies the field" for all laws regarding national banks (Published at 69 Fed. Reg. 1895 (2004)). Ginnie Mae requirement that FHA insured mortgages that are prepaid still accumulate interest until the last day of the month that the prepayment is made. HUD's final rule on FHA multifamily loan limits. HUD's proposal to require mortgagees of FHA-insured mortgages to collect as part of the monthly mortgage payment an escrow of the amounts necessary for the payment of condominium or homeowners association fees.

H.R. 111/S. 98-Community Choice in Real Estate Act would ensure that banks would not be allowed to engage in the selling or direct purchasing of property. H.R. 1357-Homeowners Emergency Assistance Act would restore home mortgage assistance through the FHA single-family mortgage insurance program. H.R. 1443-Access to affordable Mortgages Act would change language in laws that allow for ARMs, so they state that ARMs are capped at 1% for terms of 3 years and under, as opposed to the current 5 years and under. S. 1928- Predatory Lending Consumer Protection is a federal anti-predatory lending bill containing case-by-case review of a borrower's ability to repay the loan and no assignment of liability. H.R. 2575-Secondary Mortgage Market Enterprises Regulatory Improvement Act would amend the Homeowners' Loan Act to rename the Office of Thrift Supervision as the Office of Housing Finance Supervision, giving this office direct authority over Fannie Mae and Freddie Mac to ensure they are financially safe and adequately capitalized. H.R. 2803-Housing Finance Regulatory Restructuring Act would establish the Office of Housing Finance Oversight in the Department of the Treasury to ensure the financial safety and soundness of Fannie Mae, Freddie Mac, and the Federal home loan banks. H.R. 284/S. 595-Housing Bond Fairness Act would rescind the sunset date on Mortgage Revenue Bonds, create a new qualifying system, and makes housing credit apartment production viable in rural areas. H.R. 975-Bankruptcy Abuse Prevention and Consumer Protection Act would reform bankruptcy laws to force people with the ability to repay their debts to file under Chapter 13, where courts establish repayment plans, instead of Chapter 7, which erases debts. H.R. 3507-Improving Homeownership in High Cost Areas, this bill would increase the conforming loan limit for states with a Statistical Metropolitan Area above the regular conforming loan limit. H.R. 3755-Zero Downpayment Act, amends the National Housing Act to authorize the Secretary of HUD to insure zero-downpayment mortgages for one-family residences. H.R. 4110-FHA Single Family Loan Limit Adjustment Act, would amend the National Housing Act to increase Federal Housing Administration (FHA) single family mortgage limits. Federal Reserve's decision to implement the Basel II Accord, the purpose of which is to reduce risk exposure to global economic cycles and level the playing field for large international banks. This Accord would update the original Basel Capital Accord from 1988. The U.S. Department of the Treasury is considering defining REALTORS as "Financial Institutions:, in that it related to the application of the anti-money laundering program of the USA PATRIOT Act. The Creation of a Federal Housing Authority sub-prime loan product for borrowers who would not meet traditional underwriting standards with respect to credit history; but meet the debt, income, and repayment ability standards. The proposed HUD rule to expand its offerings of adjustable rate mortgage products on FHA insured mortgages. The rule would create ARM products, the interest rate for 3 year and 5-year ARMs cannot change by more than 1% for the life of the loan. For 7-year and 10-year ARMs, the maximums are 2% annually and 6% for the life of the loan. Fannie Mae's and Freddie Mac's rule change that would boost interest rates or fees on cash-out refinancing that involve loans of more than 70% of a home's value, which could stop homeowners form tapping their equity. HUD's proposed rule on the Real Estate Settlement Procedures Act and its application. The OCC rule stating it "occupies the field" for all laws regarding national banks (Published at 69 Fed. Reg. 1895 (2004)). Ginnie Mae requirement that FHA insured mortgages that are prepayed still accumulate interest until the last day of the month that the prepayment is made. HUD's final rule on FHA multifamily loan limits.

H.R. 2828/H.R. 2641-CALFED, would help ensure the future water supply of California. H.R. 1663-Replaces two maps relating to the Coastal Barrier Resources System Cape Fear Unit NC-07P. Directs the Secretary of the Interior to keep such maps on file and available for inspection in accordance with the Coastal Barrier Resources Act. H.R. 3529-would cancel two specific Bureau of Land Management sand and gravel mining leases for lands in Soledad Canyon, CA., and impose conditions for future mining in the area. H.R. 2933-Critical Habitat Reform Act, would give greater weight to economic considerations when the United States Fish and Wildlife Service is designating critical habitat. Amending the Endangered Species Act and the Critical Habitat Designations, to give government agencies the discretion to delay the designation of critical habitat to the stage where a recovery plan is being prepared for an endangered species. The Federal Environmental Protection Agency and the U.S. Army Corps of Engineers published an advanced Notice of proposed Rulemaking to clarify what kinds of wetlands are regulated under the Clean Water Act. FEMA's implementation of new Flood Plan Maps.

H.R. 2828/H.R. 2641-Would help ensure the future water supply of California, also known as CALFED. H.R. 1663-Replaces two maps relating to the Coastal Barrier Resources System Cape Fear Unit NC-07P. Directs the Secretary of the Interior to keep such maps on file and available for inspection in accordance with the Coastal Barrier Resources Act. H.R. 3529-would cancel two specific Bureau of Land Management sand and gravel mining leases for lands in Soledad Canyon, CA., and impose conditions for future mining in the area. H.R. 2933-Critical Habitat Reform Act, would give greater weight to economic considerations when the United States Fish and Wildlife Service is designating critical habitat. Amending the Endangered Species Act and the Critical Habitat Designations, to give government agencies the discretion to delay the designation of critical habitat to the stage where a recovery plan is being prepared for an endangered species. The Federal Environmental Protection Agency and the U.S. Army Corps of Engineers published an advanced Notice of Proposed Rulemaking to clarify what kinds of wetlands are regulated under the Clean Water Act. FEMA's implementation of new Flood Plan Maps.

S. 1175-First-Time Homebuyers' Tax Credit Act would allow first-time homebuyers to receive a tax credit of up to #3000 for individuals or $6000 for married couples. S. 1175 allows individuals or couples in the 25% or lower tax brackets to take a tax credit on the purchase of their principal residence. H.R. 1336/S. 846-Mortgage Insurance Fairness Act would Amend the IRS code of 1986 to classify mortgage insurance premiums as residence interest, allowing for it to be tax deductible. H.R. 1634/S. 576-Business Property Economic Revitalization Act would shorten the tax depreciation life, on non-residential property, from 39 years to 10 years. S. 1918-would allow money given for the purpose of downpayment assistance to qualified organizations to be considered as charitable donations on tax returns. H.R. 22-The Individual and Small Business Tax Simplification Act of 2003 would amend the IRS Code to simplify certain provisions and establish a uniform pass-thru regime. H.R. 2896/H.R. 4520-American Jobs Creation Act would reduce the depreciation period for leasehold improvements from 39 years to 15 years, and extend the 50% bonus depreciation until December 2005. H.R. 3521/S. 1896-Tax Relief Extension Act would extend a number of expiring tax provisions, including the brownfield clean up deduction. S. 597-The bill would create tax incentives for property owners and landlords who made their properties more energy efficient. H.R. 666-Mortgage Cancellation Relief Act would grant relief from the discharge of indebtedness rules for sales of residences. H.R. 839/S. 875/S. 198-REnewing the Dream Tax Credit Act would allow developers and investors who construct or rehabilitate housing for low- and moderate-income families for purchase to claim a tax credit up to 50% of the cost over a five-year period. H.R. 4221-This bill would reduce the depreciation recapture tax rate from the current 25% down to 15%. S. 150/S. 2084-These bills would extend the moratorium that bars state and local governments from imposing multiple and discriminatory taxes on internet access. Treasury Department's Fiscal Year 2005 Budget proposal to "close loopholes, halt several abusive tax avoidance transactions, and simplify the tax code."

S. 1175-First-Time Homebuyers' Tax Credit Act would allow first-time homebuyers to receive a tax credit of up to $3000 for individuals or $6000 for married couples. H.R. 1336/S. 846-Mortgage Insurance Fairness Act would Amend the IRS code of 1986 to classify mortgage insurance premiums as residence interest, allowing for it to be tax deductible. H.R. 1634/S. 576- Business Property Economic Revitalization Act would shorten the tax depreciation life, on non-residential property, from 39 years to 10 years. S. 1918-Would allow money given for the purpose of downpayment assistance to qualified organizations to be considered as charitable donations on tax returns. H.R. 22-The Individual and Small Business Tax Simplification Act of 2003 would amend the IRS Code to simplify certain provisions and establish a uniform pass-thru regime. H.R. 2896/H.R. 4520-American Jobs Creation Act would reduce the depreciation period for leasehold improvements from 39 years to 15 years, extend the 50% bonus depreciation until December 2005, allow mortgage insurance payments to be deductible, allow all prepayments of Mortgage Revenue Bond backed mortgages to be reused to finance new loans, and amend Section 1031 of U.S. Tax Code (Title 26). H.R. 3521/S. 1896-Tax Relief Extension Act would extend a number of expiring tax provisions, including the Brownfield clean up deduction. S. 597-The bill would create tax incentives for property owners and landlords who made their properties more energy efficient. H.R. 666-Mortgage Cancellation Relief Act would grant relief from discharge of indebtedness rules for sales of residences. H.R. 839/S. 875/S. 198-Renewing the Dream Tax Credit Act would allow developers and envestors who construct or rehabilitate housing for low- and moderate-income families for purchase to claim a tax credit up to 50% of the cost over a five-year period. H.R. 4221-This bill would reduce the depreciation recapture tax rate from the current 25% down to 15%. S. 150/S. 2084-These bills would extend the moratorium that bars state and local governments from imposing multiple and discriminatory taxes on internet access. H.R. 4113-Would amend the Section of the IRS Tax Code governing commercial mortgage-backed securities, allowing for modifications and/or changes to be made to the properties. Treasury Department's Fiscal Year 2005 Budget proposal to "close loopholes, halt several abusive tax avoidance transactions, and simplify the tax code."

H.R. 2828/H.R. 2641-Would help ensure the future water supply of California, also known as CALFED. H.R. 1663-Replaces two maps relating to the Coastal Barrier Resources System Cape Fear Unit NC-07P. Directs the Secretary of the Interior to keep such maps on file and available for inspection in accordance with the Coastal Barrier Resources Act. H.R. 3529-would cancel two specific Bureau of Land Management sand and gravel mining leases for lands in Soledad Canyon, CA., and impose conditions for future mining in the area. H.R. 2933-Critical Habitat Reform Act, would give greater weight to economic considerations when the United States Fish and Wildlife Service is designating critical habitat. Amending the Endangered Species Act and the Critical Habitat Designations, to give government agencies the discretion to delay the designation of critical habitat to the stage where a recovery plan is being prepared for an endangered species. The Federal Environmental Protection Agency and the U.S. Army Corps of Engineers published an advanced Notice of Proposed Rulemaking to clarify what kinds of wetlands are regulated under the Clean Water Act. FEMA's implementation of new Flood Plan Maps.

H.R. 2828/H.R. 2641-CALFED, would help ensure the future water supply of California. H.R. 1663-Replaces two maps relating to the Coastal Barrier Resources System Cape Fear Unit NC-07P. Directs the Secretary of the Interior to keep such maps on file and available for inspection in accordance with the Coastal Barrier Resources Act. H.R. 3529-would cancel two specific Bureau of Land Management sand and gravel mining leases for lands in Soledad Canyon, CA., and impose conditions for future mining in the area. H.R. 2933-Critical Habitat Reform Act, would give greater weight to economic considerations when the United States Fish and Wildlife Service is designating critical habitat. Amending the Endangered Species Act and the Critical Habitat Designations, to give government agencies the discretion to delay the designation of critical habitat to the stage where a recovery plan is being prepared for an endangered species. The Federal Environmental Protection Agency and the U.S. Army Corps of Engineers published an advanced Notice of proposed Rulemaking to clarify what kinds of wetlands are regulated under the Clean Water Act. FEMA's implementation of new Flood Plan Maps.

H.R. 3872-Consumer Access to Information, prohibits the misappropriation of a database by classifying such misappropriation as an unfair method of competition and an unfair or deceptive act or practice in commerce under the FTC Act. H.R. 3261-Database Protection Bill, makes civilly liable any person who makes available in commerce to others a substantial part of the information contained in a database generated, gathered, or maintained by another person without authorization

H.R. 3872-Consumer Access to Information, prohibits the misappropriation of a database by classifying such misappropriation as an unfair method of competition and an unfair or deceptive act or practice in commerce under the FTC Act. H.R. 3261-Database Protection Bill, makes civilly liable any person who makes available in commerce to others a substantial part of the information contained in a database generated, gathered, or maintained by another person without authorization.

H.R. 111/S. 98-Community Choice in Real Estate Act would ensure that banks would not be allowed to engage in the selling or direct purchasing of property. H.R. 1357-Homeowners Emergency Assistance Act would restore home mortgage assistance through the FHA single-family mortgage insurance program. H.R. 1443-Access to Affordable Mortgages Act would change language in laws that allow for ARMs, so they state that ARMs are capped at 1% for terms of 3 years and under, as opposed to the current 5 years and under. S. 1928-Predatory Lending Consumer Protection is a federal anti-predatory lending bill containing case-by-case review of a borrower's ability to repay the loan and no assignment of liability. H.R. 2575-Secondary Mortgage Market Enterprises Regulatory Improvement Act would amend the Homeowners' Loan Act to rename the Office of Thrift Supervision as the Office of Housing Finance Supervision, giving this office direct authority over Fannie Mae and Freddie Mac to ensure they are financially safe and adequately capitalized. H.R. 2803-Housing Finance Regulatory Restructuring Act would establish the Office of Housing Finance Oversight in the Department of the Treasury to ensure the financial safety and soundness of Fannie Mae, Freddie Mac, and the Federal home loan banks. H.R. 284/S. 5958-Housing Bond Fairness Act would rescind the sunset date on Mortgage Revenue Bonds, create a new qualifying system, and makes housing credit apartment production viable in rural areas. H.R. 975-Bankruptcy Abuse Prevention and Consumer Protection Act would reform bankruptcy laws to force people with the ability to repay their debts to file under Chapter 13, where courts establish repayment plans, instead of Chapter 7, which erases debts. H.R. 3507-Improving Homeownership in High Cost Areas, this bill would increase the conforming loan limit for states with a Statistical Metropolitan Area above the regular conforming loan limit. H.R. 3755-Zero Downpayment Act, amends the National Housing Act to authorize the Secretary of HUD to insure zero-downpayment mortgages for one-family residences. H.R. 4110-FHA Single Family Loan Limit Adjustment Act, would amend the National Housing Act to increase Federal Housing Administration (FHA) single family mortgage limits. Federal Reserve's decision to implement the Basel II Accord. This Accord would update the original Basel Capital Accord from 1988. The U.S. Department of the Treasury is considering defining REALTORS as "Financial Institutions," in that it relates to the application of the anti-money laundering program of the USA PATRIOT Act. The Creation of a Federal Housing Authority sub-prime loan product for borrowers who would not meet traditional underwriting standards with respect to credit history; but meet the debt income, and repayment ability standards. The proposed HUD rule to expand its offerings of adjustable rate mortgage products on FHA insured mortgages. The rule would create ARM products, the interest rate for 3 year and 5 year ARMs cannot change by more than 1% for the life of the loan. For 7 year and 10 year ARMs, the maximums are 2% annually and 6% for the life of the loan. Fannie Mae's and Freddie Mac's rule change that would boost interest rates for fees on cash-out refinancing that involve loans of more than 70% of a home's value, which could stop homeowners from tapping their equity. HUD's proposed rule on the Real Estate Settlement Procedures Act and its application. The OCC rule stating it "occupies the field" for all laws regarding national banks (Published at 69 Fed. Reg. 1895 (2004)). Ginnie Mae requirement that FHA insured mortgages that are prepaid still accumulate interest until the last day of the month that the prepayment is made. HUD's final rule on FHA multifamily loan limits. HUD's proposal to require mortgagees of FHA-insured mortgages to collect as part of the monthly mortgage payment an escrow of the amounts necessary for the payment of condominium or homeowners association fees.

H.R. 111/S. 98-Community Choice in Real Estate Act would ensure that banks would not be allowed to engage in the selling or direct purchasing of property. H.R. 1357-Homeowners Emergency Assistance Act would restore home mortgage assistance through the FHA single-family mortgage insurance program. H.R. 1443-Access to affordable Mortgages Act would change language in laws that allow for ARMs, so they state that ARMs are capped at 1% for terms of 3 years and under, as opposed to the current 5 years and under. S. 1928- Predatory Lending Consumer Protection is a federal anti-predatory lending bill containing case-by-case review of a borrower's ability to repay the loan and no assignment of liability. H.R. 2575-Secondary Mortgage Market Enterprises Regulatory Improvement Act would amend the Homeowners' Loan Act to rename the Office of Thrift Supervision as the Office of Housing Finance Supervision, giving this office direct authority over Fannie Mae and Freddie Mac to ensure they are financially safe and adequately capitalized. H.R. 2803-Housing Finance Regulatory Restructuring Act would establish the Office of Housing Finance Oversight in the Department of the Treasury to ensure the financial safety and soundness of Fannie Mae, Freddie Mac, and the Federal home loan banks. H.R. 284/S. 595-Housing Bond Fairness Act would rescind the sunset date on Mortgage Revenue Bonds, create a new qualifying system, and makes housing credit apartment production viable in rural areas. H.R. 975-Bankruptcy Abuse Prevention and Consumer Protection Act would reform bankruptcy laws to force people with the ability to repay their debts to file under Chapter 13, where courts establish repayment plans, instead of Chapter 7, which erases debts. H.R. 3507-Improving Homeownership in High Cost Areas, this bill would increase the conforming loan limit for states with a Statistical Metropolitan Area above the regular conforming loan limit. H.R. 3755-Zero Downpayment Act, amends the National Housing Act to authorize the Secretary of HUD to insure zero-downpayment mortgages for one-family residences. H.R. 4110-FHA Single Family Loan Limit Adjustment Act, would amend the National Housing Act to increase Federal Housing Administration (FHA) single family mortgage limits. Federal Reserve's decision to implement the Basel II Accord, the purpose of which is to reduce risk exposure to global economic cycles and level the playing field for large international banks. This Accord would update the original Basel Capital Accord from 1988. The U.S. Department of the Treasury is considering defining REALTORS as "Financial Institutions:, in that it related to the application of the anti-money laundering program of the USA PATRIOT Act. The Creation of a Federal Housing Authority sub-prime loan product for borrowers who would not meet traditional underwriting standards with respect to credit history; but meet the debt, income, and repayment ability standards. The proposed HUD rule to expand its offerings of adjustable rate mortgage products on FHA insured mortgages. The rule would create ARM products, the interest rate for 3 year and 5-year ARMs cannot change by more than 1% for the life of the loan. For 7-year and 10-year ARMs, the maximums are 2% annually and 6% for the life of the loan. Fannie Mae's and Freddie Mac's rule change that would boost interest rates or fees on cash-out refinancing that involve loans of more than 70% of a home's value, which could stop homeowners form tapping their equity. HUD's proposed rule on the Real Estate Settlement Procedures Act and its application. The OCC rule stating it "occupies the field" for all laws regarding national banks (Published at 69 Fed. Reg. 1895 (2004)). Ginnie Mae requirement that FHA insured mortgages that are prepayed still accumulate interest until the last day of the month that the prepayment is made. HUD's final rule on FHA multifamily loan limits.

S. 1175-First-Time Homebuyers' Tax Credit Act would allow first-time homebuyers to receive a tax credit of up to $3000 for individuals or $6000 for married couples. H.R. 1336/S. 846-Mortgage Insurance Fairness Act would Amend the IRS code of 1986 to classify mortgage insurance premiums as residence interest, allowing for it to be tax deductible. H.R. 1634/S. 576- Business Property Economic Revitalization Act would shorten the tax depreciation life, on non-residential property, from 39 years to 10 years. S. 1918-Would allow money given for the purpose of downpayment assistance to qualified organizations to be considered as charitable donations on tax returns. H.R. 22-The Individual and Small Business Tax Simplification Act of 2003 would amend the IRS Code to simplify certain provisions and establish a uniform pass-thru regime. H.R. 2896/H.R. 4520-American Jobs Creation Act would reduce the depreciation period for leasehold improvements from 39 years to 15 years, extend the 50% bonus depreciation until December 2005, allow mortgage insurance payments to be deductible, allow all prepayments of Mortgage Revenue Bond backed mortgages to be reused to finance new loans, and amend Section 1031 of U.S. Tax Code (Title 26). H.R. 3521/S. 1896-Tax Relief Extension Act would extend a number of expiring tax provisions, including the Brownfield clean up deduction. S. 597-The bill would create tax incentives for property owners and landlords who made their properties more energy efficient. H.R. 666-Mortgage Cancellation Relief Act would grant relief from discharge of indebtedness rules for sales of residences. H.R. 839/S. 875/S. 198-Renewing the Dream Tax Credit Act would allow developers and envestors who construct or rehabilitate housing for low- and moderate-income families for purchase to claim a tax credit up to 50% of the cost over a five-year period. H.R. 4221-This bill would reduce the depreciation recapture tax rate from the current 25% down to 15%. S. 150/S. 2084-These bills would extend the moratorium that bars state and local governments from imposing multiple and discriminatory taxes on internet access. H.R. 4113-Would amend the Section of the IRS Tax Code governing commercial mortgage-backed securities, allowing for modifications and/or changes to be made to the properties. Treasury Department's Fiscal Year 2005 Budget proposal to "close loopholes, halt several abusive tax avoidance transactions, and simplify the tax code."

S. 1175-First-Time Homebuyers' Tax Credit Act would allow first-time homebuyers to receive a tax credit of up to #3000 for individuals or $6000 for married couples. S. 1175 allows individuals or couples in the 25% or lower tax brackets to take a tax credit on the purchase of their principal residence. H.R. 1336/S. 846-Mortgage Insurance Fairness Act would Amend the IRS code of 1986 to classify mortgage insurance premiums as residence interest, allowing for it to be tax deductible. H.R. 1634/S. 576-Business Property Economic Revitalization Act would shorten the tax depreciation life, on non-residential property, from 39 years to 10 years. S. 1918-would allow money given for the purpose of downpayment assistance to qualified organizations to be considered as charitable donations on tax returns. H.R. 22-The Individual and Small Business Tax Simplification Act of 2003 would amend the IRS Code to simplify certain provisions and establish a uniform pass-thru regime. H.R. 2896/H.R. 4520-American Jobs Creation Act would reduce the depreciation period for leasehold improvements from 39 years to 15 years, and extend the 50% bonus depreciation until December 2005. H.R. 3521/S. 1896-Tax Relief Extension Act would extend a number of expiring tax provisions, including the brownfield clean up deduction. S. 597-The bill would create tax incentives for property owners and landlords who made their properties more energy efficient. H.R. 666-Mortgage Cancellation Relief Act would grant relief from the discharge of indebtedness rules for sales of residences. H.R. 839/S. 875/S. 198-REnewing the Dream Tax Credit Act would allow developers and investors who construct or rehabilitate housing for low- and moderate-income families for purchase to claim a tax credit up to 50% of the cost over a five-year period. H.R. 4221-This bill would reduce the depreciation recapture tax rate from the current 25% down to 15%. S. 150/S. 2084-These bills would extend the moratorium that bars state and local governments from imposing multiple and discriminatory taxes on internet access. Treasury Department's Fiscal Year 2005 Budget proposal to "close loopholes, halt several abusive tax avoidance transactions, and simplify the tax code."

H.R. 2828/H.R. 2641-CALFED, would help ensure the future water supply of California. H.R. 1663-Replaces two maps relating to the Coastal Barrier Resources System Cape Fear Unit NC-07P. Directs the Secretary of the Interior to keep such maps on file and available for inspection in accordance with the Coastal Barrier Resources Act. H.R. 3529-would cancel two specific Bureau of Land Management sand and gravel mining leases for lands in Soledad Canyon, CA., and impose conditions for future mining in the area. H.R. 2933-Critical Habitat Reform Act, would give greater weight to economic considerations when the United States Fish and Wildlife Service is designating critical habitat. Amending the Endangered Species Act and the Critical Habitat Designations, to give government agencies the discretion to delay the designation of critical habitat to the stage where a recovery plan is being prepared for an endangered species. The Federal Environmental Protection Agency and the U.S. Army Corps of Engineers published an advanced Notice of proposed Rulemaking to clarify what kinds of wetlands are regulated under the Clean Water Act. FEMA's implementation of new Flood Plan Maps.

H.R. 2828/H.R. 2641-Would help ensure the future water supply of California, also known as CALFED. H.R. 1663-Replaces two maps relating to the Coastal Barrier Resources System Cape Fear Unit NC-07P. Directs the Secretary of the Interior to keep such maps on file and available for inspection in accordance with the Coastal Barrier Resources Act. H.R. 3529-would cancel two specific Bureau of Land Management sand and gravel mining leases for lands in Soledad Canyon, CA., and impose conditions for future mining in the area. H.R. 2933-Critical Habitat Reform Act, would give greater weight to economic considerations when the United States Fish and Wildlife Service is designating critical habitat. Amending the Endangered Species Act and the Critical Habitat Designations, to give government agencies the discretion to delay the designation of critical habitat to the stage where a recovery plan is being prepared for an endangered species. The Federal Environmental Protection Agency and the U.S. Army Corps of Engineers published an advanced Notice of Proposed Rulemaking to clarify what kinds of wetlands are regulated under the Clean Water Act. FEMA's implementation of new Flood Plan Maps.

H.R. 111/S. 98-Community Choice in Real Estate Act would ensure that banks would not be allowed to engage in the selling or direct purchasing of property. H.R. 1357-Homeowners Emergency Assistance Act would restore home mortgage assistance through the FHA single-family mortgage insurance program. H.R. 1443-Access to affordable Mortgages Act would change language in laws that allow for ARMs, so they state that ARMs are capped at 1% for terms of 3 years and under, as opposed to the current 5 years and under. S. 1928- Predatory Lending Consumer Protection is a federal anti-predatory lending bill containing case-by-case review of a borrower's ability to repay the loan and no assignment of liability. H.R. 2575-Secondary Mortgage Market Enterprises Regulatory Improvement Act would amend the Homeowners' Loan Act to rename the Office of Thrift Supervision as the Office of Housing Finance Supervision, giving this office direct authority over Fannie Mae and Freddie Mac to ensure they are financially safe and adequately capitalized. H.R. 2803-Housing Finance Regulatory Restructuring Act would establish the Office of Housing Finance Oversight in the Department of the Treasury to ensure the financial safety and soundness of Fannie Mae, Freddie Mac, and the Federal home loan banks. H.R. 284/S. 595-Housing Bond Fairness Act would rescind the sunset date on Mortgage Revenue Bonds, create a new qualifying system, and makes housing credit apartment production viable in rural areas. H.R. 975-Bankruptcy Abuse Prevention and Consumer Protection Act would reform bankruptcy laws to force people with the ability to repay their debts to file under Chapter 13, where courts establish repayment plans, instead of Chapter 7, which erases debts. H.R. 3507-Improving Homeownership in High Cost Areas, this bill would increase the conforming loan limit for states with a Statistical Metropolitan Area above the regular conforming loan limit. H.R. 3755-Zero Downpayment Act, amends the National Housing Act to authorize the Secretary of HUD to insure zero-downpayment mortgages for one-family residences. H.R. 4110-FHA Single Family Loan Limit Adjustment Act, would amend the National Housing Act to increase Federal Housing Administration (FHA) single family mortgage limits. Federal Reserve's decision to implement the Basel II Accord, the purpose of which is to reduce risk exposure to global economic cycles and level the playing field for large international banks. This Accord would update the original Basel Capital Accord from 1988. The U.S. Department of the Treasury is considering defining REALTORS as "Financial Institutions:, in that it related to the application of the anti-money laundering program of the USA PATRIOT Act. The Creation of a Federal Housing Authority sub-prime loan product for borrowers who would not meet traditional underwriting standards with respect to credit history; but meet the debt, income, and repayment ability standards. The proposed HUD rule to expand its offerings of adjustable rate mortgage products on FHA insured mortgages. The rule would create ARM products, the interest rate for 3 year and 5-year ARMs cannot change by more than 1% for the life of the loan. For 7-year and 10-year ARMs, the maximums are 2% annually and 6% for the life of the loan. Fannie Mae's and Freddie Mac's rule change that would boost interest rates or fees on cash-out refinancing that involve loans of more than 70% of a home's value, which could stop homeowners form tapping their equity. HUD's proposed rule on the Real Estate Settlement Procedures Act and its application. The OCC rule stating it "occupies the field" for all laws regarding national banks (Published at 69 Fed. Reg. 1895 (2004)). Ginnie Mae requirement that FHA insured mortgages that are prepayed still accumulate interest until the last day of the month that the prepayment is made. HUD's final rule on FHA multifamily loan limits.

H.R. 111/S. 98-Community Choice in Real Estate Act would ensure that banks would not be allowed to engage in the selling or direct purchasing of property. H.R. 1357-Homeowners Emergency Assistance Act would restore home mortgage assistance through the FHA single-family mortgage insurance program. H.R. 1443-Access to Affordable Mortgages Act would change language in laws that allow for ARMs, so they state that ARMs are capped at 1% for terms of 3 years and under, as opposed to the current 5 years and under. S. 1928-Predatory Lending Consumer Protection is a federal anti-predatory lending bill containing case-by-case review of a borrower's ability to repay the loan and no assignment of liability. H.R. 2575-Secondary Mortgage Market Enterprises Regulatory Improvement Act would amend the Homeowners' Loan Act to rename the Office of Thrift Supervision as the Office of Housing Finance Supervision, giving this office direct authority over Fannie Mae and Freddie Mac to ensure they are financially safe and adequately capitalized. H.R. 2803-Housing Finance Regulatory Restructuring Act would establish the Office of Housing Finance Oversight in the Department of the Treasury to ensure the financial safety and soundness of Fannie Mae, Freddie Mac, and the Federal home loan banks. H.R. 284/S. 5958-Housing Bond Fairness Act would rescind the sunset date on Mortgage Revenue Bonds, create a new qualifying system, and makes housing credit apartment production viable in rural areas. H.R. 975-Bankruptcy Abuse Prevention and Consumer Protection Act would reform bankruptcy laws to force people with the ability to repay their debts to file under Chapter 13, where courts establish repayment plans, instead of Chapter 7, which erases debts. H.R. 3507-Improving Homeownership in High Cost Areas, this bill would increase the conforming loan limit for states with a Statistical Metropolitan Area above the regular conforming loan limit. H.R. 3755-Zero Downpayment Act, amends the National Housing Act to authorize the Secretary of HUD to insure zero-downpayment mortgages for one-family residences. H.R. 4110-FHA Single Family Loan Limit Adjustment Act, would amend the National Housing Act to increase Federal Housing Administration (FHA) single family mortgage limits. Federal Reserve's decision to implement the Basel II Accord. This Accord would update the original Basel Capital Accord from 1988. The U.S. Department of the Treasury is considering defining REALTORS as "Financial Institutions," in that it relates to the application of the anti-money laundering program of the USA PATRIOT Act. The Creation of a Federal Housing Authority sub-prime loan product for borrowers who would not meet traditional underwriting standards with respect to credit history; but meet the debt income, and repayment ability standards. The proposed HUD rule to expand its offerings of adjustable rate mortgage products on FHA insured mortgages. The rule would create ARM products, the interest rate for 3 year and 5 year ARMs cannot change by more than 1% for the life of the loan. For 7 year and 10 year ARMs, the maximums are 2% annually and 6% for the life of the loan. Fannie Mae's and Freddie Mac's rule change that would boost interest rates for fees on cash-out refinancing that involve loans of more than 70% of a home's value, which could stop homeowners from tapping their equity. HUD's proposed rule on the Real Estate Settlement Procedures Act and its application. The OCC rule stating it "occupies the field" for all laws regarding national banks (Published at 69 Fed. Reg. 1895 (2004)). Ginnie Mae requirement that FHA insured mortgages that are prepaid still accumulate interest until the last day of the month that the prepayment is made. HUD's final rule on FHA multifamily loan limits. HUD's proposal to require mortgagees of FHA-insured mortgages to collect as part of the monthly mortgage payment an escrow of the amounts necessary for the payment of condominium or homeowners association fees.

H.R. 3872-Consumer Access to Information, prohibits the misappropriation of a database by classifying such misappropriation as an unfair method of competition and an unfair or deceptive act or practice in commerce under the FTC Act. H.R. 3261-Database Protection Bill, makes civilly liable any person who makes available in commerce to others a substantial part of the information contained in a database generated, gathered, or maintained by another person without authorization

H.R. 3872-Consumer Access to Information, prohibits the misappropriation of a database by classifying such misappropriation as an unfair method of competition and an unfair or deceptive act or practice in commerce under the FTC Act. H.R. 3261-Database Protection Bill, makes civilly liable any person who makes available in commerce to others a substantial part of the information contained in a database generated, gathered, or maintained by another person without authorization.

H.R. 111/S. 98-Community Choice in Real Estate Act would ensure that banks would not be allowed to engage in the selling or direct purchasing of property. H.R. 1357-Homeowners Emergency Assistance Act would restore home mortgage assistance through the FHA single-family mortgage insurance program. H.R. 1443-Access to affordable Mortgages Act would change language in laws that allow for ARMs, so they state that ARMs are capped at 1% for terms of 3 years and under, as opposed to the current 5 years and under. S. 1928- Predatory Lending Consumer Protection is a federal anti-predatory lending bill containing case-by-case review of a borrower's ability to repay the loan and no assignment of liability. H.R. 2575-Secondary Mortgage Market Enterprises Regulatory Improvement Act would amend the Homeowners' Loan Act to rename the Office of Thrift Supervision as the Office of Housing Finance Supervision, giving this office direct authority over Fannie Mae and Freddie Mac to ensure they are financially safe and adequately capitalized. H.R. 2803-Housing Finance Regulatory Restructuring Act would establish the Office of Housing Finance Oversight in the Department of the Treasury to ensure the financial safety and soundness of Fannie Mae, Freddie Mac, and the Federal home loan banks. H.R. 284/S. 595-Housing Bond Fairness Act would rescind the sunset date on Mortgage Revenue Bonds, create a new qualifying system, and makes housing credit apartment production viable in rural areas. H.R. 975-Bankruptcy Abuse Prevention and Consumer Protection Act would reform bankruptcy laws to force people with the ability to repay their debts to file under Chapter 13, where courts establish repayment plans, instead of Chapter 7, which erases debts. H.R. 3507-Improving Homeownership in High Cost Areas, this bill would increase the conforming loan limit for states with a Statistical Metropolitan Area above the regular conforming loan limit. H.R. 3755-Zero Downpayment Act, amends the National Housing Act to authorize the Secretary of HUD to insure zero-downpayment mortgages for one-family residences. H.R. 4110-FHA Single Family Loan Limit Adjustment Act, would amend the National Housing Act to increase Federal Housing Administration (FHA) single family mortgage limits. Federal Reserve's decision to implement the Basel II Accord, the purpose of which is to reduce risk exposure to global economic cycles and level the playing field for large international banks. This Accord would update the original Basel Capital Accord from 1988. The U.S. Department of the Treasury is considering defining REALTORS as "Financial Institutions:, in that it related to the application of the anti-money laundering program of the USA PATRIOT Act. The Creation of a Federal Housing Authority sub-prime loan product for borrowers who would not meet traditional underwriting standards with respect to credit history; but meet the debt, income, and repayment ability standards. The proposed HUD rule to expand its offerings of adjustable rate mortgage products on FHA insured mortgages. The rule would create ARM products, the interest rate for 3 year and 5-year ARMs cannot change by more than 1% for the life of the loan. For 7-year and 10-year ARMs, the maximums are 2% annually and 6% for the life of the loan. Fannie Mae's and Freddie Mac's rule change that would boost interest rates or fees on cash-out refinancing that involve loans of more than 70% of a home's value, which could stop homeowners form tapping their equity. HUD's proposed rule on the Real Estate Settlement Procedures Act and its application. The OCC rule stating it "occupies the field" for all laws regarding national banks (Published at 69 Fed. Reg. 1895 (2004)). Ginnie Mae requirement that FHA insured mortgages that are prepayed still accumulate interest until the last day of the month that the prepayment is made. HUD's final rule on FHA multifamily loan limits.

H.R. 111/S. 98-Community Choice in Real Estate Act would ensure that banks would not be allowed to engage in the selling or direct purchasing of property. H.R. 1357-Homeowners Emergency Assistance Act would restore home mortgage assistance through the FHA single-family mortgage insurance program. H.R. 1443-Access to Affordable Mortgages Act would change language in laws that allow for ARMs, so they state that ARMs are capped at 1% for terms of 3 years and under, as opposed to the current 5 years and under. S. 1928-Predatory Lending Consumer Protection is a federal anti-predatory lending bill containing case-by-case review of a borrower's ability to repay the loan and no assignment of liability. H.R. 2575-Secondary Mortgage Market Enterprises Regulatory Improvement Act would amend the Homeowners' Loan Act to rename the Office of Thrift Supervision as the Office of Housing Finance Supervision, giving this office direct authority over Fannie Mae and Freddie Mac to ensure they are financially safe and adequately capitalized. H.R. 2803-Housing Finance Regulatory Restructuring Act would establish the Office of Housing Finance Oversight in the Department of the Treasury to ensure the financial safety and soundness of Fannie Mae, Freddie Mac, and the Federal home loan banks. H.R. 284/S. 5958-Housing Bond Fairness Act would rescind the sunset date on Mortgage Revenue Bonds, create a new qualifying system, and makes housing credit apartment production viable in rural areas. H.R. 975-Bankruptcy Abuse Prevention and Consumer Protection Act would reform bankruptcy laws to force people with the ability to repay their debts to file under Chapter 13, where courts establish repayment plans, instead of Chapter 7, which erases debts. H.R. 3507-Improving Homeownership in High Cost Areas, this bill would increase the conforming loan limit for states with a Statistical Metropolitan Area above the regular conforming loan limit. H.R. 3755-Zero Downpayment Act, amends the National Housing Act to authorize the Secretary of HUD to insure zero-downpayment mortgages for one-family residences. H.R. 4110-FHA Single Family Loan Limit Adjustment Act, would amend the National Housing Act to increase Federal Housing Administration (FHA) single family mortgage limits. Federal Reserve's decision to implement the Basel II Accord. This Accord would update the original Basel Capital Accord from 1988. The U.S. Department of the Treasury is considering defining REALTORS as "Financial Institutions," in that it relates to the application of the anti-money laundering program of the USA PATRIOT Act. The Creation of a Federal Housing Authority sub-prime loan product for borrowers who would not meet traditional underwriting standards with respect to credit history; but meet the debt income, and repayment ability standards. The proposed HUD rule to expand its offerings of adjustable rate mortgage products on FHA insured mortgages. The rule would create ARM products, the interest rate for 3 year and 5 year ARMs cannot change by more than 1% for the life of the loan. For 7 year and 10 year ARMs, the maximums are 2% annually and 6% for the life of the loan. Fannie Mae's and Freddie Mac's rule change that would boost interest rates for fees on cash-out refinancing that involve loans of more than 70% of a home's value, which could stop homeowners from tapping their equity. HUD's proposed rule on the Real Estate Settlement Procedures Act and its application. The OCC rule stating it "occupies the field" for all laws regarding national banks (Published at 69 Fed. Reg. 1895 (2004)). Ginnie Mae requirement that FHA insured mortgages that are prepaid still accumulate interest until the last day of the month that the prepayment is made. HUD's final rule on FHA multifamily loan limits. HUD's proposal to require mortgagees of FHA-insured mortgages to collect as part of the monthly mortgage payment an escrow of the amounts necessary for the payment of condominium or homeowners association fees.

S. 1175-First-Time Homebuyers' Tax Credit Act would allow first-time homebuyers to receive a tax credit of up to $3000 for individuals or $6000 for married couples. H.R. 1336/S. 846-Mortgage Insurance Fairness Act would Amend the IRS code of 1986 to classify mortgage insurance premiums as residence interest, allowing for it to be tax deductible. H.R. 1634/S. 576- Business Property Economic Revitalization Act would shorten the tax depreciation life, on non-residential property, from 39 years to 10 years. S. 1918-Would allow money given for the purpose of downpayment assistance to qualified organizations to be considered as charitable donations on tax returns. H.R. 22-The Individual and Small Business Tax Simplification Act of 2003 would amend the IRS Code to simplify certain provisions and establish a uniform pass-thru regime. H.R. 2896/H.R. 4520-American Jobs Creation Act would reduce the depreciation period for leasehold improvements from 39 years to 15 years, extend the 50% bonus depreciation until December 2005, allow mortgage insurance payments to be deductible, allow all prepayments of Mortgage Revenue Bond backed mortgages to be reused to finance new loans, and amend Section 1031 of U.S. Tax Code (Title 26). H.R. 3521/S. 1896-Tax Relief Extension Act would extend a number of expiring tax provisions, including the Brownfield clean up deduction. S. 597-The bill would create tax incentives for property owners and landlords who made their properties more energy efficient. H.R. 666-Mortgage Cancellation Relief Act would grant relief from discharge of indebtedness rules for sales of residences. H.R. 839/S. 875/S. 198-Renewing the Dream Tax Credit Act would allow developers and envestors who construct or rehabilitate housing for low- and moderate-income families for purchase to claim a tax credit up to 50% of the cost over a five-year period. H.R. 4221-This bill would reduce the depreciation recapture tax rate from the current 25% down to 15%. S. 150/S. 2084-These bills would extend the moratorium that bars state and local governments from imposing multiple and discriminatory taxes on internet access. H.R. 4113-Would amend the Section of the IRS Tax Code governing commercial mortgage-backed securities, allowing for modifications and/or changes to be made to the properties. Treasury Department's Fiscal Year 2005 Budget proposal to "close loopholes, halt several abusive tax avoidance transactions, and simplify the tax code."

S. 1175-First-Time Homebuyers' Tax Credit Act would allow first-time homebuyers to receive a tax credit of up to $3000 for individuals or $6000 for married couples. H.R. 1336/S. 846-Mortgage Insurance Fairness Act would Amend the IRS code of 1986 to classify mortgage insurance premiums as residence interest, allowing for it to be tax deductible. H.R. 1634/S. 576- Business Property Economic Revitalization Act would shorten the tax depreciation life, on non-residential property, from 39 years to 10 years. S. 1918-Would allow money given for the purpose of downpayment assistance to qualified organizations to be considered as charitable donations on tax returns. H.R. 22-The Individual and Small Business Tax Simplification Act of 2003 would amend the IRS Code to simplify certain provisions and establish a uniform pass-thru regime. H.R. 2896/H.R. 4520-American Jobs Creation Act would reduce the depreciation period for leasehold improvements from 39 years to 15 years, extend the 50% bonus depreciation until December 2005, allow mortgage insurance payments to be deductible, allow all prepayments of Mortgage Revenue Bond backed mortgages to be reused to finance new loans, and amend Section 1031 of U.S. Tax Code (Title 26). H.R. 3521/S. 1896-Tax Relief Extension Act would extend a number of expiring tax provisions, including the Brownfield clean up deduction. S. 597-The bill would create tax incentives for property owners and landlords who made their properties more energy efficient. H.R. 666-Mortgage Cancellation Relief Act would grant relief from discharge of indebtedness rules for sales of residences. H.R. 839/S. 875/S. 198-Renewing the Dream Tax Credit Act would allow developers and envestors who construct or rehabilitate housing for low- and moderate-income families for purchase to claim a tax credit up to 50% of the cost over a five-year period. H.R. 4221-This bill would reduce the depreciation recapture tax rate from the current 25% down to 15%. S. 150/S. 2084-These bills would extend the moratorium that bars state and local governments from imposing multiple and discriminatory taxes on internet access. H.R. 4113-Would amend the Section of the IRS Tax Code governing commercial mortgage-backed securities, allowing for modifications and/or changes to be made to the properties. Treasury Department's Fiscal Year 2005 Budget proposal to "close loopholes, halt several abusive tax avoidance transactions, and simplify the tax code."

S. 1175-First-Time Homebuyers' Tax Credit Act would allow first-time homebuyers to receive a tax credit of up to #3000 for individuals or $6000 for married couples. S. 1175 allows individuals or couples in the 25% or lower tax brackets to take a tax credit on the purchase of their principal residence. H.R. 1336/S. 846-Mortgage Insurance Fairness Act would Amend the IRS code of 1986 to classify mortgage insurance premiums as residence interest, allowing for it to be tax deductible. H.R. 1634/S. 576-Business Property Economic Revitalization Act would shorten the tax depreciation life, on non-residential property, from 39 years to 10 years. S. 1918-would allow money given for the purpose of downpayment assistance to qualified organizations to be considered as charitable donations on tax returns. H.R. 22-The Individual and Small Business Tax Simplification Act of 2003 would amend the IRS Code to simplify certain provisions and establish a uniform pass-thru regime. H.R. 2896/H.R. 4520-American Jobs Creation Act would reduce the depreciation period for leasehold improvements from 39 years to 15 years, and extend the 50% bonus depreciation until December 2005. H.R. 3521/S. 1896-Tax Relief Extension Act would extend a number of expiring tax provisions, including the brownfield clean up deduction. S. 597-The bill would create tax incentives for property owners and landlords who made their properties more energy efficient. H.R. 666-Mortgage Cancellation Relief Act would grant relief from the discharge of indebtedness rules for sales of residences. H.R. 839/S. 875/S. 198-REnewing the Dream Tax Credit Act would allow developers and investors who construct or rehabilitate housing for low- and moderate-income families for purchase to claim a tax credit up to 50% of the cost over a five-year period. H.R. 4221-This bill would reduce the depreciation recapture tax rate from the current 25% down to 15%. S. 150/S. 2084-These bills would extend the moratorium that bars state and local governments from imposing multiple and discriminatory taxes on internet access. Treasury Department's Fiscal Year 2005 Budget proposal to "close loopholes, halt several abusive tax avoidance transactions, and simplify the tax code."

H.R. 1500-Would authorize a veteran to select an appraiser prior to the purchase of housing under a loan guaranteed by the Department of Veterans Affairs. H.R. 4345/S. 2522-Amends Federal veterans' benefits law to revise the maximum amount of home loan guaranty available under the home loan guaranty program of the Department of Veterans Affairs, specifically the guaranty of any loan of more that $144,000. Replaces the current formula of the lesser of $60,000 or 25 percent of the loan with the lesser of a certain maximum guaranty amount or 25 percent of the loan.

H.R. 1500-Would authorize a veteran to select an appraiser prior to the purchase of housing under a loan guaranteed by the Department of Veterans Affairs. H.R. 4345/S. 2522-Amends Federal veterans' benefits law to revise the maximum amount of home loan guaranty available under the home loan guaranty program of the Department of Veterans Affairs, specifically the guaranty of any loan of more than $144,000. Replaces the current formula of the lesser of $60,000 or 25 percent of the loan with the lesser of a certain maximum guaranty amount or 25 percent of the loan.

H.R. 1115/S. 274/S. 1751-Class Action Fairness Act would give federal courts jurisdiction over class action cases that have national implications, and/or a majority of plaintiffs in multiple states. H.R. 1766-National Uniform Privacy Standards Act would make permanent the provisions of the Fair Credit Reporting Act and amend the Gramm-Leach-Bliley Act to establish a national uniform privacy standard for financial institutions. H.R. 2622-Fair & Accurate Credit Transaction Act amended the Fair Credit Reporting Act, to prevent identity theft, improve resolution of consumer disputes, improve the accuracy of consumer records, make improvements in the use of, and consumer access to credit information, and for other purposes. H.R. 728-ADA Notification Act would require that businesses be given 90 days notice of a violation before they can be sued. S. 877-CAN-SPAM Act ensures that all unsolicited electronic emails contain correct factual information, present themselves as advertisement or marketing, the possible creation of a do-not-spam registry, allow for the recipient to request not to receive any more, and instructs the FTC to define what a commercial electronic mail message is. H.R. 1636- Consumer Privacy Protection requires data collection organizations to notify consumers at the time of collection that their personally identifiable information may be used for an unrelated transaction purpose. H.R. 4600-The Junk Fax Prevention Act would broaden the FCC's July 2003 ruling regarding unsolicited facsimile advertisement to a business or residential fax machine.

S. 1373-Insurance Consumer Protection. H.R. 1552-Homeowners' insurance availability would implement a reinsurance coverage program for residential property losses to homes and the contents of apartment buildings, caused by "covered perils," available only through contracts for reinsurance coverage purchased at regional auctions. This would act as a federal backstop to help cover the cost of large natural disasters. H.R. 660/S. 545-Small Business Health Fairness Act would create federal regulations for Association Health Plans, allowing them to negotiate on behalf of their members for health benefits exempt from most state laws. S. 2238/H.R. 253-National Flood Insurance Program Reauthorization. The Secretary of the Treasury's decision to extend the "make available" provision of the Terrorism Risk Insurance Program. Draft legislation that would reform the insurance regulatory system.

S. 1373-Insurance Consumer Protection. H.R. 1552-Homeowners' insurance availability would implement a reinsurance coverage program for residential property losses to homes and the contents of apartment buildings, caused by "covered perils", available only through contracts for reinsurance coverage purchased at regional auctions. This would act as a federal backstop to help cover the cost of large natural disasters. H.R. 660/ S. 545-Small Business Health Fairness Act would create federal regulations for Association Health Plans, allowing them to negotiate on behalf of their members for health benefits exempt from most state laws. S. 2238/H.R. 253-National Flood Insurance Program Reauthorization. The Secretary of the Treasury's decision to extend the "make available" provision of the Terrorism Risk Insurance Program.

S. 1175-First-Time Homebuyers' Tax Credit Act would allow first-time homebuyers to receive a tax credit of up to $3000 for individuals or $6000 for married couples. H.R. 1336/S. 846-Mortgage Insurance Fairness Act would Amend the IRS code of 1986 to classify mortgage insurance premiums as residence interest, allowing for it to be tax deductible. H.R. 1634/S. 576- Business Property Economic Revitalization Act would shorten the tax depreciation life, on non-residential property, from 39 years to 10 years. S. 1918-Would allow money given for the purpose of downpayment assistance to qualified organizations to be considered as charitable donations on tax returns. H.R. 22-The Individual and Small Business Tax Simplification Act of 2003 would amend the IRS Code to simplify certain provisions and establish a uniform pass-thru regime. H.R. 2896/H.R. 4520-American Jobs Creation Act would reduce the depreciation period for leasehold improvements from 39 years to 15 years, extend the 50% bonus depreciation until December 2005, allow mortgage insurance payments to be deductible, allow all prepayments of Mortgage Revenue Bond backed mortgages to be reused to finance new loans, and amend Section 1031 of U.S. Tax Code (Title 26). H.R. 3521/S. 1896-Tax Relief Extension Act would extend a number of expiring tax provisions, including the Brownfield clean up deduction. S. 597-The bill would create tax incentives for property owners and landlords who made their properties more energy efficient. H.R. 666-Mortgage Cancellation Relief Act would grant relief from discharge of indebtedness rules for sales of residences. H.R. 839/S. 875/S. 198-Renewing the Dream Tax Credit Act would allow developers and envestors who construct or rehabilitate housing for low- and moderate-income families for purchase to claim a tax credit up to 50% of the cost over a five-year period. H.R. 4221-This bill would reduce the depreciation recapture tax rate from the current 25% down to 15%. S. 150/S. 2084-These bills would extend the moratorium that bars state and local governments from imposing multiple and discriminatory taxes on internet access. H.R. 4113-Would amend the Section of the IRS Tax Code governing commercial mortgage-backed securities, allowing for modifications and/or changes to be made to the properties. Treasury Department's Fiscal Year 2005 Budget proposal to "close loopholes, halt several abusive tax avoidance transactions, and simplify the tax code."

S. 1175-First-Time Homebuyers' Tax Credit Act would allow first-time homebuyers to receive a tax credit of up to #3000 for individuals or $6000 for married couples. S. 1175 allows individuals or couples in the 25% or lower tax brackets to take a tax credit on the purchase of their principal residence. H.R. 1336/S. 846-Mortgage Insurance Fairness Act would Amend the IRS code of 1986 to classify mortgage insurance premiums as residence interest, allowing for it to be tax deductible. H.R. 1634/S. 576-Business Property Economic Revitalization Act would shorten the tax depreciation life, on non-residential property, from 39 years to 10 years. S. 1918-would allow money given for the purpose of downpayment assistance to qualified organizations to be considered as charitable donations on tax returns. H.R. 22-The Individual and Small Business Tax Simplification Act of 2003 would amend the IRS Code to simplify certain provisions and establish a uniform pass-thru regime. H.R. 2896/H.R. 4520-American Jobs Creation Act would reduce the depreciation period for leasehold improvements from 39 years to 15 years, and extend the 50% bonus depreciation until December 2005. H.R. 3521/S. 1896-Tax Relief Extension Act would extend a number of expiring tax provisions, including the brownfield clean up deduction. S. 597-The bill would create tax incentives for property owners and landlords who made their properties more energy efficient. H.R. 666-Mortgage Cancellation Relief Act would grant relief from the discharge of indebtedness rules for sales of residences. H.R. 839/S. 875/S. 198-REnewing the Dream Tax Credit Act would allow developers and investors who construct or rehabilitate housing for low- and moderate-income families for purchase to claim a tax credit up to 50% of the cost over a five-year period. H.R. 4221-This bill would reduce the depreciation recapture tax rate from the current 25% down to 15%. S. 150/S. 2084-These bills would extend the moratorium that bars state and local governments from imposing multiple and discriminatory taxes on internet access. Treasury Department's Fiscal Year 2005 Budget proposal to "close loopholes, halt several abusive tax avoidance transactions, and simplify the tax code."

H.R. 1115/S. 274/S. 1751-Class Action Fairness Act would give federal courts jurisdiction over class action cases that have national implications, and/or a majority of plaintiffs in multiple states. H.R. 1766-National Uniform Privacy Standards Act would make permanent the provisions of the Fair Credit Reporting Act and amend the Gramm-Leach-Bliley Act to establish a national uniform privacy standard for financial institutions. H.R. 2622-Fair & Accurate Credit Transaction Act amended the Fair Credit Reporting Act, to prevent identity theft, improve resolution of consumer disputes, improve the accuracy of consumer records, make improvements in the use of, and consumer access to credit information, and for other purposes. H.R. 728-ADA Notification Act would require that businesses be given 90 days notice of a violation before they can be sued. S. 877-CAN-SPAM Act ensures that all unsolicited electronic emails contain correct factual information, present themselves as advertisement or marketing, the possible creation of a do-not-spam registry, allow for the recipient to request not to receive any more, and instructs the FTC to define what a commercial electronic mail message is. H.R. 1636- Consumer Privacy Protection requires data collection organizations to notify consumers at the time of collection that their personally identifiable information may be used for an unrelated transaction purpose. H.R. 4600-The Junk Fax Prevention Act would broaden the FCC's July 2003 ruling regarding unsolicited facsimile advertisement to a business or residential fax machine.

H.R. 1115/S. 274/S. 1751-Class Action Fairness Act would give federal courts jurisdiction over class action cases that have national implications, and/or a majority of plaintiffs in multiple states. S. 1370-Consumer Credit Score Disclosure Act would amend the Fair Credit Reporting Act to provide for disclosure of credit-scoring information by creditors and consumer reporting agencies. H.R. 1766-National Uniform Privacy Standards Act would make permanent the provisions of the Fair Credit Reporting Act and amend the Gramm-Leach Bliley Act to establish a national uniform privacy standard for financial institutions. H.R. 2622-Fair & Accurate Credit Transaction Act amended the Fair Credit Reporting Act, to prevent identity theft, improve resolution of consumer disputes, improve the accuracy of consumer records, make improvements in the use of, and consumer access to, credit information, and for other purposes. H.R. 728-ADA Notification Act would require that businesses be given 90 days notice of a violation before they can be sued. S. 877 CAN-SPAM Act ensures that all unsolicited electronic emails contain correct factual information, present themselves as advertisement or marketing, the possible creation of a do-not-spam registry, and allow for the recipient to request not to receive any more. H.R. 1636-Consumer Privacy Protection, requires data collection organizations to notify consumers at the time of collection that their personally identifiable information may be used for an unrelated transaction purpose. Federal Communications Commission rules and regulations implementing the Telephone Consumer Protection Act of 1992, FCC 03-153 that would create a national Do-Not-Call Registry Covering both interstate and intrastate phone calls.

S. 1175-First-Time Homebuyers' Tax Credit Act would allow first-time homebuyers to receive a tax credit of up to #3000 for individuals or $6000 for married couples. S. 1175 allows individuals or couples in the 25% or lower tax brackets to take a tax credit on the purchase of their principal residence. H.R. 1336/S. 846-Mortgage Insurance Fairness Act would Amend the IRS code of 1986 to classify mortgage insurance premiums as residence interest, allowing for it to be tax deductible. H.R. 1634/S. 576-Business Property Economic Revitalization Act would shorten the tax depreciation life, on non-residential property, from 39 years to 10 years. S. 1918-would allow money given for the purpose of downpayment assistance to qualified organizations to be considered as charitable donations on tax returns. H.R. 22-The Individual and Small Business Tax Simplification Act of 2003 would amend the IRS Code to simplify certain provisions and establish a uniform pass-thru regime. H.R. 2896/H.R. 4520-American Jobs Creation Act would reduce the depreciation period for leasehold improvements from 39 years to 15 years, and extend the 50% bonus depreciation until December 2005. H.R. 3521/S. 1896-Tax Relief Extension Act would extend a number of expiring tax provisions, including the brownfield clean up deduction. S. 597-The bill would create tax incentives for property owners and landlords who made their properties more energy efficient. H.R. 666-Mortgage Cancellation Relief Act would grant relief from the discharge of indebtedness rules for sales of residences. H.R. 839/S. 875/S. 198-REnewing the Dream Tax Credit Act would allow developers and investors who construct or rehabilitate housing for low- and moderate-income families for purchase to claim a tax credit up to 50% of the cost over a five-year period. H.R. 4221-This bill would reduce the depreciation recapture tax rate from the current 25% down to 15%. S. 150/S. 2084-These bills would extend the moratorium that bars state and local governments from imposing multiple and discriminatory taxes on internet access. Treasury Department's Fiscal Year 2005 Budget proposal to "close loopholes, halt several abusive tax avoidance transactions, and simplify the tax code."

S. 1175-First-Time Homebuyers' Tax Credit Act would allow first-time homebuyers to receive a tax credit of up to $3000 for individuals or $6000 for married couples. H.R. 1336/S. 846-Mortgage Insurance Fairness Act would Amend the IRS code of 1986 to classify mortgage insurance premiums as residence interest, allowing for it to be tax deductible. H.R. 1634/S. 576- Business Property Economic Revitalization Act would shorten the tax depreciation life, on non-residential property, from 39 years to 10 years. S. 1918-Would allow money given for the purpose of downpayment assistance to qualified organizations to be considered as charitable donations on tax returns. H.R. 22-The Individual and Small Business Tax Simplification Act of 2003 would amend the IRS Code to simplify certain provisions and establish a uniform pass-thru regime. H.R. 2896/H.R. 4520-American Jobs Creation Act would reduce the depreciation period for leasehold improvements from 39 years to 15 years, extend the 50% bonus depreciation until December 2005, allow mortgage insurance payments to be deductible, allow all prepayments of Mortgage Revenue Bond backed mortgages to be reused to finance new loans, and amend Section 1031 of U.S. Tax Code (Title 26). H.R. 3521/S. 1896-Tax Relief Extension Act would extend a number of expiring tax provisions, including the Brownfield clean up deduction. S. 597-The bill would create tax incentives for property owners and landlords who made their properties more energy efficient. H.R. 666-Mortgage Cancellation Relief Act would grant relief from discharge of indebtedness rules for sales of residences. H.R. 839/S. 875/S. 198-Renewing the Dream Tax Credit Act would allow developers and envestors who construct or rehabilitate housing for low- and moderate-income families for purchase to claim a tax credit up to 50% of the cost over a five-year period. H.R. 4221-This bill would reduce the depreciation recapture tax rate from the current 25% down to 15%. S. 150/S. 2084-These bills would extend the moratorium that bars state and local governments from imposing multiple and discriminatory taxes on internet access. H.R. 4113-Would amend the Section of the IRS Tax Code governing commercial mortgage-backed securities, allowing for modifications and/or changes to be made to the properties. Treasury Department's Fiscal Year 2005 Budget proposal to "close loopholes, halt several abusive tax avoidance transactions, and simplify the tax code."

H.R. 1115/S. 274/S. 1751-Class Action Fairness Act would give federal courts jurisdiction over class action cases that have national implications, and/or a majority of plaintiffs in multiple states. S. 1370-Consumer Credit Score Disclosure Act would amend the Fair Credit Reporting Act to provide for disclosure of credit-scoring information by creditors and consumer reporting agencies. H.R. 1766-National Uniform Privacy Standards Act would make permanent the provisions of the Fair Credit Reporting Act and amend the Gramm-Leach Bliley Act to establish a national uniform privacy standard for financial institutions. H.R. 2622-Fair & Accurate Credit Transaction Act amended the Fair Credit Reporting Act, to prevent identity theft, improve resolution of consumer disputes, improve the accuracy of consumer records, make improvements in the use of, and consumer access to, credit information, and for other purposes. H.R. 728-ADA Notification Act would require that businesses be given 90 days notice of a violation before they can be sued. S. 877 CAN-SPAM Act ensures that all unsolicited electronic emails contain correct factual information, present themselves as advertisement or marketing, the possible creation of a do-not-spam registry, and allow for the recipient to request not to receive any more. H.R. 1636-Consumer Privacy Protection, requires data collection organizations to notify consumers at the time of collection that their personally identifiable information may be used for an unrelated transaction purpose. Federal Communications Commission rules and regulations implementing the Telephone Consumer Protection Act of 1992, FCC 03-153 that would create a national Do-Not-Call Registry Covering both interstate and intrastate phone calls.

S. 1373-Insurance Consumer Protection. H.R. 1552-Homeowners' insurance availability would implement a reinsurance coverage program for residential property losses to homes and the contents of apartment buildings, caused by "covered perils," available only through contracts for reinsurance coverage purchased at regional auctions. This would act as a federal backstop to help cover the cost of large natural disasters. H.R. 660/S. 545-Small Business Health Fairness Act would create federal regulations for Association Health Plans, allowing them to negotiate on behalf of their members for health benefits exempt from most state laws. S. 2238/H.R. 253-National Flood Insurance Program Reauthorization. The Secretary of the Treasury's decision to extend the "make available" provision of the Terrorism Risk Insurance Program. Draft legislation that would reform the insurance regulatory system.

S. 1373-Insurance Consumer Protection. H.R. 1552-Homeowners' insurance availability would implement a reinsurance coverage program for residential property losses to homes and the contents of apartment buildings, caused by "covered perils", available only through contracts for reinsurance coverage purchased at regional auctions. This would act as a federal backstop to help cover the cost of large natural disasters. H.R. 660/ S. 545-Small Business Health Fairness Act would create federal regulations for Association Health Plans, allowing them to negotiate on behalf of their members for health benefits exempt from most state laws. S. 2238/H.R. 253-National Flood Insurance Program Reauthorization. The Secretary of the Treasury's decision to extend the "make available" provision of the Terrorism Risk Insurance Program.

H.R. 1077-Hope VI Program Revitalization Act of 2003 amends the United States Housing Act of 1937 to extend and authorize appropriations for the HOPE VI revitalization program. Revises grant selection criteria. H.R. 1102-National Affordable Housing Trust Fund Act would fund a new federal housing production program utilizing excess FHA and Ginnie Mae revenues to meet the goal of 1.5 million units of housing by 2010. H.R. 1276/S. 811-American Dream Downpayment Act will provide $200 million in grants to help homebuyers with downpayment and closing costs, assisting 40,000 families annually achieve the dream of homeownership. H.R. 1614 Hope VI Program Reauthorization and Small Community Mainstreet Rejuvenation and Housing Act of 2003-(Sec.2) Amends the United States Housing Act of 1937 to revise criteria for Hope VI grants, including addition of criteria regarding tenant displacement, existing tenant occupancy priority, and timelines of project completion. H.R. 1985/S. 1714-FHA Multi-Family Loan Limit Adjustment Act would increase affordable housing availability for low- and moderate-income families. The bill would allow HUD to increase multi-family mortgage loan limits for FHA insured properties. S. 602-New Homestead Act would create financial incentives for individuals who choose to live in and help preserve small rural towns. HUD's initiative on removal of regulatory barriers: proposals for incentive criteria on barrier removal in HUD's funding allocations, Docket No. FR-4882-N-01. HUD's proposed raising of the 2005-2008 housing goals for Fannie Mae and Freddie Mac for low- and moderate-income homebuyers, special affordable, and underserved areas.

H.R. 1077-Hope VI Program Revitalization Act of 2003 amends the United States Housing Act of 1937 to extend and authorize appropriations for the HOPE VI revitalization program. Revises grant selection criteria. H.R. 1102-National Affordable Housing Trust Fund Act would fund a new federal housing production program utilizing excess FHA and Ginnie Mae revenues to meet the goal of 1.5 million units of housing by 2010. H.R. 1276/S. 811-American Dream Downpayment Act will provide $200 million in grants to help homebuyers with downpayment and closing costs. H.R. 1614 Hope VI Program Reauthorization and Small Community Mainstreet Rejuvenation and Housing Act of 2003-(Sec.2) amends the United States Housing Act of 1937 to revise criteria for Hope VI grants, including addition of criteria regarding tenant displacement, existing tenant occupancy priority, and timelines of project completion. H.R. 1985/S. 1714-FHA Multi-Family Loan Limit Adjustment Act would increase affordable housing availability for low- and moderate-income families. The bill would allow HUD to increase multi-family mortgage loan limits for FHA insured properties. S. 602-New Homestead Act would create financial incentives for individuals who choose to live in and help preserve small rural towns. HUD's initiative on removal of regulatory barriers: proposals for incentive criteria on barrier removal in HUD's funding allocations. HUD's proposed raising of the 2005-2008 housing goals for Fannie Mae and Freddie Mac for low- and moderate-income homebuyers, special affordable, and underserved areas. HUD's proposed rule regarding the disposition of HUD-acquired single family property and disciplinary actions against HUD-qualified real estate brokers (Docket No. FR-4871-P-01; HUD 2004-0006). HUD Solicitation R-OPC-22505, Single Family Housing Management & Marketing Services. HUD's awarding of the 2004 Management & Marketing Services contract for Northern and Southern California to PEMCO, LTD. – a non-California based company. Federal Deposit Insurance Corporation (FDIC) proposal regarding the Community Reinvestment Act. Specifically, the FDIC's proposal to change the definition of “small bank” from banks with assets of $250 million or less to banks with assets of $1 billion or less.

H.R. 1115/S. 274/S. 1751-Class Action Fairness Act would give federal courts jurisdiction over class action cases that have national implications, and/or a majority of plaintiffs in multiple states. H.R. 1766-National Uniform Privacy Standards Act would make permanent the provisions of the Fair Credit Reporting Act and amend the Gramm-Leach-Bliley Act to establish a national uniform privacy standard for financial institutions. H.R. 2622-Fair & Accurate Credit Transaction Act amended the Fair Credit Reporting Act, to prevent identity theft, improve resolution of consumer disputes, improve the accuracy of consumer records, make improvements in the use of, and consumer access to credit information, and for other purposes. H.R. 728-ADA Notification Act would require that businesses be given 90 days notice of a violation before they can be sued. S. 877-CAN-SPAM Act ensures that all unsolicited electronic emails contain correct factual information, present themselves as advertisement or marketing, the possible creation of a do-not-spam registry, allow for the recipient to request not to receive any more, and instructs the FTC to define what a commercial electronic mail message is. H.R. 1636- Consumer Privacy Protection requires data collection organizations to notify consumers at the time of collection that their personally identifiable information may be used for an unrelated transaction purpose. H.R. 4600-The Junk Fax Prevention Act would broaden the FCC's July 2003 ruling regarding unsolicited facsimile advertisement to a business or residential fax machine.

H.R. 1115/S. 274/S. 1751-Class Action Fairness Act would give federal courts jurisdiction over class action cases that have national implications, and/or a majority of plaintiffs in multiple states. S. 1370-Consumer Credit Score Disclosure Act would amend the Fair Credit Reporting Act to provide for disclosure of credit-scoring information by creditors and consumer reporting agencies. H.R. 1766-National Uniform Privacy Standards Act would make permanent the provisions of the Fair Credit Reporting Act and amend the Gramm-Leach Bliley Act to establish a national uniform privacy standard for financial institutions. H.R. 2622-Fair & Accurate Credit Transaction Act amended the Fair Credit Reporting Act, to prevent identity theft, improve resolution of consumer disputes, improve the accuracy of consumer records, make improvements in the use of, and consumer access to, credit information, and for other purposes. H.R. 728-ADA Notification Act would require that businesses be given 90 days notice of a violation before they can be sued. S. 877 CAN-SPAM Act ensures that all unsolicited electronic emails contain correct factual information, present themselves as advertisement or marketing, the possible creation of a do-not-spam registry, and allow for the recipient to request not to receive any more. H.R. 1636-Consumer Privacy Protection, requires data collection organizations to notify consumers at the time of collection that their personally identifiable information may be used for an unrelated transaction purpose. Federal Communications Commission rules and regulations implementing the Telephone Consumer Protection Act of 1992, FCC 03-153 that would create a national Do-Not-Call Registry Covering both interstate and intrastate phone calls.

S. 1175-First-Time Homebuyers' Tax Credit Act would allow first-time homebuyers to receive a tax credit of up to #3000 for individuals or $6000 for married couples. S. 1175 allows individuals or couples in the 25% or lower tax brackets to take a tax credit on the purchase of their principal residence. H.R. 1336/S. 846-Mortgage Insurance Fairness Act would Amend the IRS code of 1986 to classify mortgage insurance premiums as residence interest, allowing for it to be tax deductible. H.R. 1634/S. 576-Business Property Economic Revitalization Act would shorten the tax depreciation life, on non-residential property, from 39 years to 10 years. S. 1918-would allow money given for the purpose of downpayment assistance to qualified organizations to be considered as charitable donations on tax returns. H.R. 22-The Individual and Small Business Tax Simplification Act of 2003 would amend the IRS Code to simplify certain provisions and establish a uniform pass-thru regime. H.R. 2896/H.R. 4520-American Jobs Creation Act would reduce the depreciation period for leasehold improvements from 39 years to 15 years, and extend the 50% bonus depreciation until December 2005. H.R. 3521/S. 1896-Tax Relief Extension Act would extend a number of expiring tax provisions, including the brownfield clean up deduction. S. 597-The bill would create tax incentives for property owners and landlords who made their properties more energy efficient. H.R. 666-Mortgage Cancellation Relief Act would grant relief from the discharge of indebtedness rules for sales of residences. H.R. 839/S. 875/S. 198-REnewing the Dream Tax Credit Act would allow developers and investors who construct or rehabilitate housing for low- and moderate-income families for purchase to claim a tax credit up to 50% of the cost over a five-year period. H.R. 4221-This bill would reduce the depreciation recapture tax rate from the current 25% down to 15%. S. 150/S. 2084-These bills would extend the moratorium that bars state and local governments from imposing multiple and discriminatory taxes on internet access. Treasury Department's Fiscal Year 2005 Budget proposal to "close loopholes, halt several abusive tax avoidance transactions, and simplify the tax code."

S. 1175-First-Time Homebuyers' Tax Credit Act would allow first-time homebuyers to receive a tax credit of up to $3000 for individuals or $6000 for married couples. H.R. 1336/S. 846-Mortgage Insurance Fairness Act would Amend the IRS code of 1986 to classify mortgage insurance premiums as residence interest, allowing for it to be tax deductible. H.R. 1634/S. 576- Business Property Economic Revitalization Act would shorten the tax depreciation life, on non-residential property, from 39 years to 10 years. S. 1918-Would allow money given for the purpose of downpayment assistance to qualified organizations to be considered as charitable donations on tax returns. H.R. 22-The Individual and Small Business Tax Simplification Act of 2003 would amend the IRS Code to simplify certain provisions and establish a uniform pass-thru regime. H.R. 2896/H.R. 4520-American Jobs Creation Act would reduce the depreciation period for leasehold improvements from 39 years to 15 years, extend the 50% bonus depreciation until December 2005, allow mortgage insurance payments to be deductible, allow all prepayments of Mortgage Revenue Bond backed mortgages to be reused to finance new loans, and amend Section 1031 of U.S. Tax Code (Title 26). H.R. 3521/S. 1896-Tax Relief Extension Act would extend a number of expiring tax provisions, including the Brownfield clean up deduction. S. 597-The bill would create tax incentives for property owners and landlords who made their properties more energy efficient. H.R. 666-Mortgage Cancellation Relief Act would grant relief from discharge of indebtedness rules for sales of residences. H.R. 839/S. 875/S. 198-Renewing the Dream Tax Credit Act would allow developers and envestors who construct or rehabilitate housing for low- and moderate-income families for purchase to claim a tax credit up to 50% of the cost over a five-year period. H.R. 4221-This bill would reduce the depreciation recapture tax rate from the current 25% down to 15%. S. 150/S. 2084-These bills would extend the moratorium that bars state and local governments from imposing multiple and discriminatory taxes on internet access. H.R. 4113-Would amend the Section of the IRS Tax Code governing commercial mortgage-backed securities, allowing for modifications and/or changes to be made to the properties. Treasury Department's Fiscal Year 2005 Budget proposal to "close loopholes, halt several abusive tax avoidance transactions, and simplify the tax code."