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Reported covered position: N/A
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Income and expense are whole-filing amounts associated with this lobbyist, not personal compensation or an allocated share.
No topic inference: each bill number appears in source LDA issue text assigned to this lobbyist.
Community Choice in Real Estate Act
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
Appraisal: H.R. 2061 - Predatory Mortgage Lending Practices Act Responsible Lending: H.R. 3915 - The Mortgage Reform and Anti-Predatory Lending Act of 2007 H.R. 3725 - The Mortgage Disclosure Simplification Act of 2007 S. 2153 - The Mortgage Disclosure Simplification Act of 2007 H.R. 3705 - Fair Disclosure for Homeowners Act of 2007 S. 2114 - American Home Ownership Preservation Act of 2007 H.R. 3705 - Fair Disclosure for Home Owners Act of 2007 H.R. 3296 - Mortgage Broker Transparency & Accountability Act of 2007 H.R. 2061 - Predatory Mortgage Lending Practices Reduction Act S. 1299 - Borrower's Protection Act of 2007 S. 2452 - Home Ownership Preservation and Protection Act of 2007 Separation of Banking & Commerce: H.R. 111 - Community Choice in Real Estate Act S. 413 - Community Choice in Real Estate Act Identity Verification: H.R. 480 - To amend the Truth in Lending Act to prohibit issuance of residential mortgages to any individual who lacks a Social Security account number.
Credit Union Regulatory Improvements Act of 2007
Specific issues are shown only where the LDA source assigned them to this lobbyist. Targets apply to the associated filing.
NATIONAL ASSOCIATION OF REALTORS via NATIONAL ASSOCIATION OF REALTORS
2008 · first_quarter · Q1
Bankruptcy Reform: H.R. 3609 - Emergency Home Ownership & Mortgage Equity Protection Act of 2007 S. 2136 -Helping Families Save Their Homes in Bankruptcy Act of 2007 H.R. 3778 / S. 2133 - Home Owners Mortgage & Equity Savings Act (HOMES Act) H.R. 3221 -- Foreclosure Prevention Act of 2009 (Cramdown Provisions)
FDIC ILC Moratorium: H.R. 698/S. 1356 -Industrial Bank Holding Company Act of 2007 Credit Union Reform: H.R. 1537- Credit Union Regulatory Improvements Act of 2007 GSE Reform: H.R. 1427- Federal Housing Finance Reform Act of 2007 S. 2391 - GSE Mission Improvement Act of 2007 S. 2169 - Promoting Refinancing Opportunities for Mortgages Impacted by the Subprime Emergency (PROMISE) Act of 2007 S. 2346 - Promoting Refinancing Opportunities for Mortgages Impacted by the Subprime Emergency (PROMISE) Act of 2007 S. 1100 - Federal Housing Enterprise Regulatory Reform Act of 2007 H.R. 5140 - Economic Stimulus Act of 2008 (Provisions pertaining to GSE Conforming Loan Limits) H.R. 3221 -- Foreclosure Prevention Act of 2009 (Provisions pertaining to GSE Conforming Loan Limits)
Source: Senate LDA
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
FDIC ILC Moratorium: H.R. 698/S. 1356 -Industrial Bank Holding Company Act of 2007 Credit Union Reform: H.R. 1537- Credit Union Regulatory Improvements Act of 2007 GSE Reform: H.R. 1427- Federal Housing Finance Reform Act of 2007 S. 2391 - GSE Mission Improvement Act of 2007 S. 2169 - Promoting Refinancing Opportunities for Mortgages Impacted by the Subprime Emergency (PROMISE) Act of 2007 S. 2346 - Promoting Refinancing Opportunities for Mortgages Impacted by the Subprime Emergency (PROMISE) Act of 2007 S. 1100 - Federal Housing Enterprise Regulatory Reform Act of 2007 H.R. 5140 - Economic Stimulus Act of 2008 (Provisions pertaining to GSE Conforming Loan Limits) H.R. 3221 -- Foreclosure Prevention Act of 2009 (Provisions pertaining to GSE Conforming Loan Limits)
Predatory Mortgage Lending Practices Reduction Act
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
Appraisal: H.R. 2061 - Predatory Mortgage Lending Practices Act Responsible Lending: H.R. 3915 - The Mortgage Reform and Anti-Predatory Lending Act of 2007 H.R. 3725 - The Mortgage Disclosure Simplification Act of 2007 S. 2153 - The Mortgage Disclosure Simplification Act of 2007 H.R. 3705 - Fair Disclosure for Homeowners Act of 2007 S. 2114 - American Home Ownership Preservation Act of 2007 H.R. 3705 - Fair Disclosure for Home Owners Act of 2007 H.R. 3296 - Mortgage Broker Transparency & Accountability Act of 2007 H.R. 2061 - Predatory Mortgage Lending Practices Reduction Act S. 1299 - Borrower's Protection Act of 2007 S. 2452 - Home Ownership Preservation and Protection Act of 2007 Separation of Banking & Commerce: H.R. 111 - Community Choice in Real Estate Act S. 413 - Community Choice in Real Estate Act Identity Verification: H.R. 480 - To amend the Truth in Lending Act to prohibit issuance of residential mortgages to any individual who lacks a Social Security account number.
Mortgage Broker Transparency and Accountability Act of 2007
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
Appraisal: H.R. 2061 - Predatory Mortgage Lending Practices Act Responsible Lending: H.R. 3915 - The Mortgage Reform and Anti-Predatory Lending Act of 2007 H.R. 3725 - The Mortgage Disclosure Simplification Act of 2007 S. 2153 - The Mortgage Disclosure Simplification Act of 2007 H.R. 3705 - Fair Disclosure for Homeowners Act of 2007 S. 2114 - American Home Ownership Preservation Act of 2007 H.R. 3705 - Fair Disclosure for Home Owners Act of 2007 H.R. 3296 - Mortgage Broker Transparency & Accountability Act of 2007 H.R. 2061 - Predatory Mortgage Lending Practices Reduction Act S. 1299 - Borrower's Protection Act of 2007 S. 2452 - Home Ownership Preservation and Protection Act of 2007 Separation of Banking & Commerce: H.R. 111 - Community Choice in Real Estate Act S. 413 - Community Choice in Real Estate Act Identity Verification: H.R. 480 - To amend the Truth in Lending Act to prohibit issuance of residential mortgages to any individual who lacks a Social Security account number.
Emergency Home Ownership and Mortgage Equity Protection Act of 2007
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
Bankruptcy Reform: H.R. 3609 - Emergency Home Ownership & Mortgage Equity Protection Act of 2007 S. 2136 -Helping Families Save Their Homes in Bankruptcy Act of 2007 H.R. 3778 / S. 2133 - Home Owners Mortgage & Equity Savings Act (HOMES Act) H.R. 3221 -- Foreclosure Prevention Act of 2009 (Cramdown Provisions)
Fair Disclosure for Homeowners Act of 2007
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
Appraisal: H.R. 2061 - Predatory Mortgage Lending Practices Act Responsible Lending: H.R. 3915 - The Mortgage Reform and Anti-Predatory Lending Act of 2007 H.R. 3725 - The Mortgage Disclosure Simplification Act of 2007 S. 2153 - The Mortgage Disclosure Simplification Act of 2007 H.R. 3705 - Fair Disclosure for Homeowners Act of 2007 S. 2114 - American Home Ownership Preservation Act of 2007 H.R. 3705 - Fair Disclosure for Home Owners Act of 2007 H.R. 3296 - Mortgage Broker Transparency & Accountability Act of 2007 H.R. 2061 - Predatory Mortgage Lending Practices Reduction Act S. 1299 - Borrower's Protection Act of 2007 S. 2452 - Home Ownership Preservation and Protection Act of 2007 Separation of Banking & Commerce: H.R. 111 - Community Choice in Real Estate Act S. 413 - Community Choice in Real Estate Act Identity Verification: H.R. 480 - To amend the Truth in Lending Act to prohibit issuance of residential mortgages to any individual who lacks a Social Security account number.
Mortgage Disclosure Simplification Act of 2007
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
Appraisal: H.R. 2061 - Predatory Mortgage Lending Practices Act Responsible Lending: H.R. 3915 - The Mortgage Reform and Anti-Predatory Lending Act of 2007 H.R. 3725 - The Mortgage Disclosure Simplification Act of 2007 S. 2153 - The Mortgage Disclosure Simplification Act of 2007 H.R. 3705 - Fair Disclosure for Homeowners Act of 2007 S. 2114 - American Home Ownership Preservation Act of 2007 H.R. 3705 - Fair Disclosure for Home Owners Act of 2007 H.R. 3296 - Mortgage Broker Transparency & Accountability Act of 2007 H.R. 2061 - Predatory Mortgage Lending Practices Reduction Act S. 1299 - Borrower's Protection Act of 2007 S. 2452 - Home Ownership Preservation and Protection Act of 2007 Separation of Banking & Commerce: H.R. 111 - Community Choice in Real Estate Act S. 413 - Community Choice in Real Estate Act Identity Verification: H.R. 480 - To amend the Truth in Lending Act to prohibit issuance of residential mortgages to any individual who lacks a Social Security account number.
Bankruptcy Reform: H.R. 3609 - Emergency Home Ownership & Mortgage Equity Protection Act of 2007 S. 2136 -Helping Families Save Their Homes in Bankruptcy Act of 2007 H.R. 3778 / S. 2133 - Home Owners Mortgage & Equity Savings Act (HOMES Act) H.R. 3221 -- Foreclosure Prevention Act of 2009 (Cramdown Provisions)
To amend the Truth in Lending Act to prohibit issuance of residential mortgages to any individual who lacks a Social Security account number.
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
Appraisal: H.R. 2061 - Predatory Mortgage Lending Practices Act Responsible Lending: H.R. 3915 - The Mortgage Reform and Anti-Predatory Lending Act of 2007 H.R. 3725 - The Mortgage Disclosure Simplification Act of 2007 S. 2153 - The Mortgage Disclosure Simplification Act of 2007 H.R. 3705 - Fair Disclosure for Homeowners Act of 2007 S. 2114 - American Home Ownership Preservation Act of 2007 H.R. 3705 - Fair Disclosure for Home Owners Act of 2007 H.R. 3296 - Mortgage Broker Transparency & Accountability Act of 2007 H.R. 2061 - Predatory Mortgage Lending Practices Reduction Act S. 1299 - Borrower's Protection Act of 2007 S. 2452 - Home Ownership Preservation and Protection Act of 2007 Separation of Banking & Commerce: H.R. 111 - Community Choice in Real Estate Act S. 413 - Community Choice in Real Estate Act Identity Verification: H.R. 480 - To amend the Truth in Lending Act to prohibit issuance of residential mortgages to any individual who lacks a Social Security account number.
Industrial Bank Holding Company Act of 2007
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
FDIC ILC Moratorium: H.R. 698/S. 1356 -Industrial Bank Holding Company Act of 2007 Credit Union Reform: H.R. 1537- Credit Union Regulatory Improvements Act of 2007 GSE Reform: H.R. 1427- Federal Housing Finance Reform Act of 2007 S. 2391 - GSE Mission Improvement Act of 2007 S. 2169 - Promoting Refinancing Opportunities for Mortgages Impacted by the Subprime Emergency (PROMISE) Act of 2007 S. 2346 - Promoting Refinancing Opportunities for Mortgages Impacted by the Subprime Emergency (PROMISE) Act of 2007 S. 1100 - Federal Housing Enterprise Regulatory Reform Act of 2007 H.R. 5140 - Economic Stimulus Act of 2008 (Provisions pertaining to GSE Conforming Loan Limits) H.R. 3221 -- Foreclosure Prevention Act of 2009 (Provisions pertaining to GSE Conforming Loan Limits)
Federal Housing Enterprise Regulatory Reform Act of 2007
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
FDIC ILC Moratorium: H.R. 698/S. 1356 -Industrial Bank Holding Company Act of 2007 Credit Union Reform: H.R. 1537- Credit Union Regulatory Improvements Act of 2007 GSE Reform: H.R. 1427- Federal Housing Finance Reform Act of 2007 S. 2391 - GSE Mission Improvement Act of 2007 S. 2169 - Promoting Refinancing Opportunities for Mortgages Impacted by the Subprime Emergency (PROMISE) Act of 2007 S. 2346 - Promoting Refinancing Opportunities for Mortgages Impacted by the Subprime Emergency (PROMISE) Act of 2007 S. 1100 - Federal Housing Enterprise Regulatory Reform Act of 2007 H.R. 5140 - Economic Stimulus Act of 2008 (Provisions pertaining to GSE Conforming Loan Limits) H.R. 3221 -- Foreclosure Prevention Act of 2009 (Provisions pertaining to GSE Conforming Loan Limits)
Borrower's Protection Act of 2007
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
Appraisal: H.R. 2061 - Predatory Mortgage Lending Practices Act Responsible Lending: H.R. 3915 - The Mortgage Reform and Anti-Predatory Lending Act of 2007 H.R. 3725 - The Mortgage Disclosure Simplification Act of 2007 S. 2153 - The Mortgage Disclosure Simplification Act of 2007 H.R. 3705 - Fair Disclosure for Homeowners Act of 2007 S. 2114 - American Home Ownership Preservation Act of 2007 H.R. 3705 - Fair Disclosure for Home Owners Act of 2007 H.R. 3296 - Mortgage Broker Transparency & Accountability Act of 2007 H.R. 2061 - Predatory Mortgage Lending Practices Reduction Act S. 1299 - Borrower's Protection Act of 2007 S. 2452 - Home Ownership Preservation and Protection Act of 2007 Separation of Banking & Commerce: H.R. 111 - Community Choice in Real Estate Act S. 413 - Community Choice in Real Estate Act Identity Verification: H.R. 480 - To amend the Truth in Lending Act to prohibit issuance of residential mortgages to any individual who lacks a Social Security account number.
Industrial Bank Holding Company Act of 2007
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
FDIC ILC Moratorium: H.R. 698/S. 1356 -Industrial Bank Holding Company Act of 2007 Credit Union Reform: H.R. 1537- Credit Union Regulatory Improvements Act of 2007 GSE Reform: H.R. 1427- Federal Housing Finance Reform Act of 2007 S. 2391 - GSE Mission Improvement Act of 2007 S. 2169 - Promoting Refinancing Opportunities for Mortgages Impacted by the Subprime Emergency (PROMISE) Act of 2007 S. 2346 - Promoting Refinancing Opportunities for Mortgages Impacted by the Subprime Emergency (PROMISE) Act of 2007 S. 1100 - Federal Housing Enterprise Regulatory Reform Act of 2007 H.R. 5140 - Economic Stimulus Act of 2008 (Provisions pertaining to GSE Conforming Loan Limits) H.R. 3221 -- Foreclosure Prevention Act of 2009 (Provisions pertaining to GSE Conforming Loan Limits)
American Home Ownership Preservation Act of 2007
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
Appraisal: H.R. 2061 - Predatory Mortgage Lending Practices Act Responsible Lending: H.R. 3915 - The Mortgage Reform and Anti-Predatory Lending Act of 2007 H.R. 3725 - The Mortgage Disclosure Simplification Act of 2007 S. 2153 - The Mortgage Disclosure Simplification Act of 2007 H.R. 3705 - Fair Disclosure for Homeowners Act of 2007 S. 2114 - American Home Ownership Preservation Act of 2007 H.R. 3705 - Fair Disclosure for Home Owners Act of 2007 H.R. 3296 - Mortgage Broker Transparency & Accountability Act of 2007 H.R. 2061 - Predatory Mortgage Lending Practices Reduction Act S. 1299 - Borrower's Protection Act of 2007 S. 2452 - Home Ownership Preservation and Protection Act of 2007 Separation of Banking & Commerce: H.R. 111 - Community Choice in Real Estate Act S. 413 - Community Choice in Real Estate Act Identity Verification: H.R. 480 - To amend the Truth in Lending Act to prohibit issuance of residential mortgages to any individual who lacks a Social Security account number.
Bankruptcy Reform: H.R. 3609 - Emergency Home Ownership & Mortgage Equity Protection Act of 2007 S. 2136 -Helping Families Save Their Homes in Bankruptcy Act of 2007 H.R. 3778 / S. 2133 - Home Owners Mortgage & Equity Savings Act (HOMES Act) H.R. 3221 -- Foreclosure Prevention Act of 2009 (Cramdown Provisions)
Helping Families Save Their Homes in Bankruptcy Act of 2008
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
Bankruptcy Reform: H.R. 3609 - Emergency Home Ownership & Mortgage Equity Protection Act of 2007 S. 2136 -Helping Families Save Their Homes in Bankruptcy Act of 2007 H.R. 3778 / S. 2133 - Home Owners Mortgage & Equity Savings Act (HOMES Act) H.R. 3221 -- Foreclosure Prevention Act of 2009 (Cramdown Provisions)
Mortgage Disclosure Improvement Act of 2007
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
Appraisal: H.R. 2061 - Predatory Mortgage Lending Practices Act Responsible Lending: H.R. 3915 - The Mortgage Reform and Anti-Predatory Lending Act of 2007 H.R. 3725 - The Mortgage Disclosure Simplification Act of 2007 S. 2153 - The Mortgage Disclosure Simplification Act of 2007 H.R. 3705 - Fair Disclosure for Homeowners Act of 2007 S. 2114 - American Home Ownership Preservation Act of 2007 H.R. 3705 - Fair Disclosure for Home Owners Act of 2007 H.R. 3296 - Mortgage Broker Transparency & Accountability Act of 2007 H.R. 2061 - Predatory Mortgage Lending Practices Reduction Act S. 1299 - Borrower's Protection Act of 2007 S. 2452 - Home Ownership Preservation and Protection Act of 2007 Separation of Banking & Commerce: H.R. 111 - Community Choice in Real Estate Act S. 413 - Community Choice in Real Estate Act Identity Verification: H.R. 480 - To amend the Truth in Lending Act to prohibit issuance of residential mortgages to any individual who lacks a Social Security account number.
Promoting Refinancing Opportunities for Mortgages Impacted by the Subprime Emergency Act of 2007
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
FDIC ILC Moratorium: H.R. 698/S. 1356 -Industrial Bank Holding Company Act of 2007 Credit Union Reform: H.R. 1537- Credit Union Regulatory Improvements Act of 2007 GSE Reform: H.R. 1427- Federal Housing Finance Reform Act of 2007 S. 2391 - GSE Mission Improvement Act of 2007 S. 2169 - Promoting Refinancing Opportunities for Mortgages Impacted by the Subprime Emergency (PROMISE) Act of 2007 S. 2346 - Promoting Refinancing Opportunities for Mortgages Impacted by the Subprime Emergency (PROMISE) Act of 2007 S. 1100 - Federal Housing Enterprise Regulatory Reform Act of 2007 H.R. 5140 - Economic Stimulus Act of 2008 (Provisions pertaining to GSE Conforming Loan Limits) H.R. 3221 -- Foreclosure Prevention Act of 2009 (Provisions pertaining to GSE Conforming Loan Limits)
FDIC ILC Moratorium: H.R. 698/S. 1356 -Industrial Bank Holding Company Act of 2007 Credit Union Reform: H.R. 1537- Credit Union Regulatory Improvements Act of 2007 GSE Reform: H.R. 1427- Federal Housing Finance Reform Act of 2007 S. 2391 - GSE Mission Improvement Act of 2007 S. 2169 - Promoting Refinancing Opportunities for Mortgages Impacted by the Subprime Emergency (PROMISE) Act of 2007 S. 2346 - Promoting Refinancing Opportunities for Mortgages Impacted by the Subprime Emergency (PROMISE) Act of 2007 S. 1100 - Federal Housing Enterprise Regulatory Reform Act of 2007 H.R. 5140 - Economic Stimulus Act of 2008 (Provisions pertaining to GSE Conforming Loan Limits) H.R. 3221 -- Foreclosure Prevention Act of 2009 (Provisions pertaining to GSE Conforming Loan Limits)
Government Sponsored Enterprise Mission Improvement Act
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
FDIC ILC Moratorium: H.R. 698/S. 1356 -Industrial Bank Holding Company Act of 2007 Credit Union Reform: H.R. 1537- Credit Union Regulatory Improvements Act of 2007 GSE Reform: H.R. 1427- Federal Housing Finance Reform Act of 2007 S. 2391 - GSE Mission Improvement Act of 2007 S. 2169 - Promoting Refinancing Opportunities for Mortgages Impacted by the Subprime Emergency (PROMISE) Act of 2007 S. 2346 - Promoting Refinancing Opportunities for Mortgages Impacted by the Subprime Emergency (PROMISE) Act of 2007 S. 1100 - Federal Housing Enterprise Regulatory Reform Act of 2007 H.R. 5140 - Economic Stimulus Act of 2008 (Provisions pertaining to GSE Conforming Loan Limits) H.R. 3221 -- Foreclosure Prevention Act of 2009 (Provisions pertaining to GSE Conforming Loan Limits)
Home Ownership Preservation and Protection Act of 2007
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
Appraisal: H.R. 2061 - Predatory Mortgage Lending Practices Act Responsible Lending: H.R. 3915 - The Mortgage Reform and Anti-Predatory Lending Act of 2007 H.R. 3725 - The Mortgage Disclosure Simplification Act of 2007 S. 2153 - The Mortgage Disclosure Simplification Act of 2007 H.R. 3705 - Fair Disclosure for Homeowners Act of 2007 S. 2114 - American Home Ownership Preservation Act of 2007 H.R. 3705 - Fair Disclosure for Home Owners Act of 2007 H.R. 3296 - Mortgage Broker Transparency & Accountability Act of 2007 H.R. 2061 - Predatory Mortgage Lending Practices Reduction Act S. 1299 - Borrower's Protection Act of 2007 S. 2452 - Home Ownership Preservation and Protection Act of 2007 Separation of Banking & Commerce: H.R. 111 - Community Choice in Real Estate Act S. 413 - Community Choice in Real Estate Act Identity Verification: H.R. 480 - To amend the Truth in Lending Act to prohibit issuance of residential mortgages to any individual who lacks a Social Security account number.
Community Choice in Real Estate Act
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
Appraisal: H.R. 2061 - Predatory Mortgage Lending Practices Act Responsible Lending: H.R. 3915 - The Mortgage Reform and Anti-Predatory Lending Act of 2007 H.R. 3725 - The Mortgage Disclosure Simplification Act of 2007 S. 2153 - The Mortgage Disclosure Simplification Act of 2007 H.R. 3705 - Fair Disclosure for Homeowners Act of 2007 S. 2114 - American Home Ownership Preservation Act of 2007 H.R. 3705 - Fair Disclosure for Home Owners Act of 2007 H.R. 3296 - Mortgage Broker Transparency & Accountability Act of 2007 H.R. 2061 - Predatory Mortgage Lending Practices Reduction Act S. 1299 - Borrower's Protection Act of 2007 S. 2452 - Home Ownership Preservation and Protection Act of 2007 Separation of Banking & Commerce: H.R. 111 - Community Choice in Real Estate Act S. 413 - Community Choice in Real Estate Act Identity Verification: H.R. 480 - To amend the Truth in Lending Act to prohibit issuance of residential mortgages to any individual who lacks a Social Security account number.
To amend the War Powers Resolution to require the President to include post-conflict strategy in the report required under the Resolution, and for other purposes.
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
FDIC ILC Moratorium: H.R. 698/S. 1356 -Industrial Bank Holding Company Act of 2007 Credit Union Reform: H.R. 1537- Credit Union Regulatory Improvements Act of 2007 GSE Reform: H.R. 1427- Federal Housing Finance Reform Act of 2007 S. 2391 - GSE Mission Improvement Act of 2007 S. 2169 - Promoting Refinancing Opportunities for Mortgages Impacted by the Subprime Emergency (PROMISE) Act of 2007 S. 2346 - Promoting Refinancing Opportunities for Mortgages Impacted by the Subprime Emergency (PROMISE) Act of 2007 S. 1100 - Federal Housing Enterprise Regulatory Reform Act of 2007 H.R. 5140 - Economic Stimulus Act of 2008 (Provisions pertaining to GSE Conforming Loan Limits) H.R. 3221 -- Foreclosure Prevention Act of 2009 (Provisions pertaining to GSE Conforming Loan Limits)
To amend the War Powers Resolution to require the President to include post-conflict strategy in the report required under the Resolution, and for other purposes.
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
Bankruptcy Reform: H.R. 3609 - Emergency Home Ownership & Mortgage Equity Protection Act of 2007 S. 2136 -Helping Families Save Their Homes in Bankruptcy Act of 2007 H.R. 3778 / S. 2133 - Home Owners Mortgage & Equity Savings Act (HOMES Act) H.R. 3221 -- Foreclosure Prevention Act of 2009 (Cramdown Provisions)
Small Business Disaster Response and Loan Improvements Act of 2007
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
H.R. 1044 - “Small Business Disaster Response and Loan Improvements Act of 2007” - To improve the disaster loan program of the Small Business Administration, and for other purposes. H.R. 1212 - “Catastrophic Disaster Recovery Improvements Act of 2007” - To amend the Small Business Act to authorize the Administrator of the Small Business Administration to waive the prohibition on duplication of certain disaster relief assistance. S. 599 - “Private Disaster Loans Act of 2007” - A bill to improve the disaster loan program of the Small Business Administration, and for other purposes. S. 690 - “Catastrophic Disaster Recovery Improvements Act of 2007” - A bill to amend the Small Business Act to authorize the Administrator of the Small Business Administration to waive the prohibition on duplication of certain disaster relief assistance.
Nonadmitted and Reinsurance Reform Act of 2007
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
H.R. 1065 - “Nonadmitted and Reinsurance Reform Act of 2007” - To streamline the regulation of nonadmitted insurance and reinsurance, and for other purposes. H.R. 1081 - “Insurance Industry Competition Act of 2007” - To further competition in the insurance industry. S. 40 - "National Insurance Act of 2007" - A bill to authorize the issuance of Federal charters and licenses for carrying on the sale, solicitation, negotiation, and underwriting of insurance or any other insurance operations, to provide a comprehensive system for the Federal regulation and supervision of national insurers and national agencies, to provide for policyholder protections in the event of an insolvency or the impairment of a national insurer, and for other purposes. S. 618 - “Insurance Industry Competition Act of 2007” - A bill to further competition in the insurance industry. H.R. 1065 - “Nonadmitted and Reinsurance Reform Act of 2007” - Would streamline state laws regarding “surplus lines” of insurance. H.R. 164 - “Policyholder Disaster Protection Act of 2007” - Provides for the creation of disaster protection funds by property and casualty insurance companies for the payment of policyholders’ claims arising from future catastrophic events. H.R. 1682 - “The Flood Insurance Reform and Modernization Act of 2007” - To restore financial solvency of the national flood insurance program, and for other purposes. H.R. 330 - “Homeowners’ Insurance Availability Act of 2007” - Establishes a federal reinsurance program for disaster insurance H.R. 537/S. 292 - “Commission on Catastrophic Disaster Risk and Insurance Act of 2007” - "Establishes the bipartisan Commission on Catastrophic Disaster Risk and Insurance H.R. 91 - “Homeowners Insurance Protection Act of 2007” - Establishes a federal catastrophic reinsurance fund; establishes a commission to study disaster insurance issues; requires a study of the national flood insurance program (NFIP). H.R. 920 - “Multiperil Insurance Act of 2007” - Would amend the National Flood Insurance Program to allow homeowners to purchase windstorm coverage in addition to flood coverage. S. 926 - “Policyholder Disaster Protection Act of 2007” - Would allow tax-deferred reserves for insurance companies. S. 928 - “Homeowners Protection Act of 2007” - Would create a federal insurance backstop for state catastrophe funds. S. 929 - “Non-admitted and Reinsurance Act of 2007” - Would streamline the regulation of non-admitted insurance and reinsurance.
Insurance Industry Competition Act of 2007
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
Insurance Industry Competitiveness: S. 618 - Insurance Industry Competition Act of 2007 H.R 1081 - Insurance Industry Compeition Act of 2007
Insurance Industry Competition Act of 2007
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
H.R. 1065 - “Nonadmitted and Reinsurance Reform Act of 2007” - To streamline the regulation of nonadmitted insurance and reinsurance, and for other purposes. H.R. 1081 - “Insurance Industry Competition Act of 2007” - To further competition in the insurance industry. S. 40 - "National Insurance Act of 2007" - A bill to authorize the issuance of Federal charters and licenses for carrying on the sale, solicitation, negotiation, and underwriting of insurance or any other insurance operations, to provide a comprehensive system for the Federal regulation and supervision of national insurers and national agencies, to provide for policyholder protections in the event of an insolvency or the impairment of a national insurer, and for other purposes. S. 618 - “Insurance Industry Competition Act of 2007” - A bill to further competition in the insurance industry. H.R. 1065 - “Nonadmitted and Reinsurance Reform Act of 2007” - Would streamline state laws regarding “surplus lines” of insurance. H.R. 164 - “Policyholder Disaster Protection Act of 2007” - Provides for the creation of disaster protection funds by property and casualty insurance companies for the payment of policyholders’ claims arising from future catastrophic events. H.R. 1682 - “The Flood Insurance Reform and Modernization Act of 2007” - To restore financial solvency of the national flood insurance program, and for other purposes. H.R. 330 - “Homeowners’ Insurance Availability Act of 2007” - Establishes a federal reinsurance program for disaster insurance H.R. 537/S. 292 - “Commission on Catastrophic Disaster Risk and Insurance Act of 2007” - "Establishes the bipartisan Commission on Catastrophic Disaster Risk and Insurance H.R. 91 - “Homeowners Insurance Protection Act of 2007” - Establishes a federal catastrophic reinsurance fund; establishes a commission to study disaster insurance issues; requires a study of the national flood insurance program (NFIP). H.R. 920 - “Multiperil Insurance Act of 2007” - Would amend the National Flood Insurance Program to allow homeowners to purchase windstorm coverage in addition to flood coverage. S. 926 - “Policyholder Disaster Protection Act of 2007” - Would allow tax-deferred reserves for insurance companies. S. 928 - “Homeowners Protection Act of 2007” - Would create a federal insurance backstop for state catastrophe funds. S. 929 - “Non-admitted and Reinsurance Act of 2007” - Would streamline the regulation of non-admitted insurance and reinsurance.
Community Choice in Real Estate Act
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
H.R. 1427 - “Federal Housing Finance Reform Act of 2007” (GSE Reform) - Overhauls the regulatory oversight of the housing government-sponsored enterprises (GSEs) – Fannie Mae, Freddie Mac, and the Federal Home Loan Banks system (FHLBanks). H.R. 2061 - “Predatory Mortgage Lending Practices Act” - Makes it unlawful to intimidate or coerce a person conducting an appraisal for the purpose of causing the appraised value to be based on any other factors than the appraisers’ independent judgment. S. 1222 - “STOP FRAUD Act” - Develops a grant program within HUD targeted to state appraisal agencies to improve monitoring and enforcement of housing appraisal regulations. S. 1299 - “Borrowers Protection Act” - Requires appraisers to be bonded. Prohibits mortgage originators from influencing the appraisal process to meet a targeted value. H.R. 111/S. 413 - “Community Choice in Real Estate” - Prohibits financial holding companies and national banks from engaging, directly or indirectly, in real estate brokerage or real estate management activities. H.R. 836 - “Cyber Security Enhancement and Consumer Data Protection Act of 2007” - A bill to better assure cyber-security and for other purposes. H.R. 958 - “The Data Accountability and Trust Act” - Any business that houses personal information must implement specific security practices, including methods for dealing with disposal of "obsolete" information. Like many of past proposals, it would also mandate notification requirements in the event of a breach of personal data. S. 1178 - “Identity Theft Prevention Act” - A bill to strengthen data protection and safeguards, require data breach notification, and further prevent identity theft. S. 238 - “Social Security Number Misuse Prevention Act” - A bill to limit the misuse of Social Security numbers, to establish criminal penalties for such misuse, and for other purposes. S. 495 - “Personal Data Privacy and Security Act of 2007” - Prevent and mitigate identity theft, to ensure privacy, to provide notice of security breaches, and to enhance criminal penalties, law enforcement assistance, and other protections against security breaches, fraudulent access, and misuse of personally identifiable information; to the Committee on the Judiciary. H.R. 1537 - “Credit Union Regulatory Improvements Act of 2007” - Modernizes credit union net worth standards, advance credit union efforts to promote economic growth, and modify credit union regulatory standards and reduce burdens, and for other purposes. H.R. 480 - Amends the Truth in Lending Act (TILA) to prohibit a lender from making a mortgage loan to a borrower for the purchase of a principal residence if a borrower does not have a valid social security number. H.R. 698 - “Industrial Bank Holding Company Act of 2007” - Amends the Federal Deposit Insurance Act to close the ILC loophole. H.R. 2061 - “Predatory Mortgage Lending Practices Reduction Act” - Establishes federal certification of mortgage brokers and agents and stiffer penalties for violation of federal law. Sets up minimum standards as they relate to providing information to consumers as well as best practices for dispute/complaint resolution. Creates civil penalties for violations of federal law pertaining to predatory lending. S. 1299 - “Borrower’s Protection Act of 2007” - Establishes a fiduciary duty for mortgage brokers and other non-bank mortgage originators. Creates a faith and fair dealing standard for all originators. Requires originators to underwrite loans at the fully indexed rate. Requires originators to create escrow accounts to pay taxes and hazard insurance on subprime loans. Prohibits steering (i.e. brokers may not direct or counsel a consumer to rates, charges and principal amount or prepayment terms that are not appropriate or suitable for them). Holds lenders responsible for policing their associated appraisers and brokers. Prohibits originators from influencing appraisal process.
American Health Security Act of 2007
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
H.R. 676 - “United States Health Insurance Act (or the Expanded and Improved Medical for All Act)” - To provide for comprehensive health insurance coverage for all United States residents, and for other purposes. H.R. 853 - “Wellness and Prevention Act of 2007” - To promote preventative health care for Americans. S. 158 - “Access to Affordable Health Care Act” - A bill to expand access to affordable health care and to strengthen the health care safety net and make health care services more available in rural and underserved areas. S. 334 - “Healthy Americans Act” - A bill to provide affordable, guaranteed private health coverage that will make Americans healthier and can never be taken away. S. 685 - “Reform Health Care Now Act” - A bill to establish an expedited procedure for congressional consideration of health care reform legislation. S. 733 - “Promoting Health Care Purchasing Cooperatives Act” - A bill to promote the development of health care cooperatives that will help businesses to pool the health care purchasing power of employers, and for other purposes. H.R. 241 - To amend title I of the Employee Retirement Income Security Act of 1974 to improve access and choice for entrepreneurs with small businesses with respect to medical care for their employees.” H.R. 1200 - “American Health Security Act of 2007” - To provide for health care for every American and to control the cost and enhance the quality of the health care system.
Catastrophic Disaster Recovery Improvements Act of 2007
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
Additional Gulf Coast Small Business Disaster Relief: S. 690 - Catastrophic Disaster Recovery Improvements Act of 2007 H.R. 1212 -Catastrophic Disaster Recovery Improvements Act of 2007
Catastrophic Disaster Recovery Improvements Act of 2007
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
H.R. 1044 - “Small Business Disaster Response and Loan Improvements Act of 2007” - To improve the disaster loan program of the Small Business Administration, and for other purposes. H.R. 1212 - “Catastrophic Disaster Recovery Improvements Act of 2007” - To amend the Small Business Act to authorize the Administrator of the Small Business Administration to waive the prohibition on duplication of certain disaster relief assistance. S. 599 - “Private Disaster Loans Act of 2007” - A bill to improve the disaster loan program of the Small Business Administration, and for other purposes. S. 690 - “Catastrophic Disaster Recovery Improvements Act of 2007” - A bill to amend the Small Business Act to authorize the Administrator of the Small Business Administration to waive the prohibition on duplication of certain disaster relief assistance.
Gulf Coast Hurricane Housing Recovery Act of 2007
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
H.R. 365/S. 635 - The Methamphetamine Remediation Research Act of 2007 - Requires EPA (in consultation with NIST) to develop voluntary guidelines for the remediation of former meth labs. They should be designed to assist State and local governments in the development and the implementation of legislation and other policies to clean up meth labs. Also requires EPA to establish a research program on the chemicals used to create meth, a study (with the National Academy of Sciences) on the residual effects of meth labs, and a research program to develop meth detection technologies. H.R. 1227 - “Gulf Coast Hurricane Housing Recovery Act of 2007” - To assist in the provision of affordable housing to low-income families affected by Hurricane Katrina. The bill requires one-for-one replacement of public housing units lost in New Orleans, requires HUD to survey all public housing residents about their desire to return, and extends the disaster voucher program to January 2008. The bill also included a provision to reimburse landlords who housed evacuees for damages due to FEMA's failure to follow through with agreements they made under the city lease program. H.R. 1676 - “Native American Home Ownership Opportunity Act of 2007”- This bill would reauthorize the program of the Secretary of Housing and Urban Development for loan guarantees for Indian housing. H.R. 1752 - “Expanding American Homeownership Act” - This bill would modernize the Federal Housing Administration (FHA), making the agency more efficient and competitive with the sub-prime industry. It will decrease premiums for borrowers, permit no-down payment loans, and increase access to homeownership. H.R. 1851 - "Section 8 Voucher Reform Act of 2007" - This bill would amend the housing choice voucher program under section 8 of the United States Housing Act of 1937. H.R. 1852 - “Expanding American Homeownership Act” - This bill would modernize the Federal Housing Administration (FHA), making the agency more efficient and competitive with the sub-prime industry. It will decrease premiums for borrowers, permit no-down payment loans, and increase access to homeownership. It also creates an Affordable Housing Fund from FHA proceeds. H.R. 1982 - “Rural Housing and Economic Development Improvement Act of 2007" - This bill would authorize the rural housing and economic development program of the Department of Housing and Urban Development. H.R. 2139 - “FHA Manufactured Housing Loan Modernization Act of 2007” - This bill would modernize the manufactured housing loan insurance program under title I of FHA. S. 947 - “21st Century Housing Act” - To allow FHA to hire off the GS scale, invest in updating information technology, increase FHA loans up to 50 years, allow FHA to provide flexible downpayments provide FHA with pilot program authority, increase the loan limits in high cost areas for FHA MULTI-family programs, increase the FHA single-family loan limits, increase the cap reserve which FHA must keep, and move the condo program in with other single family programs S. 1386 - "Homeownership Protection and Enhancement (HOPE) Act of 2007" - Expand access to foreclosure prevention services to all low- and moderate-income families and those who have experienced unexpected financial difficulties. Create an affirmative duty for lenders and servicers to engage in reasonable loss mitigation prior to foreclosure. Require notifications by lenders regarding availability of pre-purchase homeownership counseling, homeownership counseling, and services of State Homeownership Protection Centers. Appropriates money to reauthorize, enhance, and improve the Department of Housing and Urban Development’s housing counseling programs. H.R. 1723 - “Fair FHA Appraisal Act” - Would increase fines for those who would improperly influence appraisers in FHA transactions, established a blind draw selection system for FHA appraiser.
To modify the prohibition on recognition by United States courts of certain rights relating to certain marks, trade names, or commercial names.
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
H.R. 1908/S. 1145 - “Patent Reform Act of 2007 - To amend title 35, United States Code, to provide for patent reform. H.R. 1306/S. 749 - “A bill to modify the prohibition on recognition by United States courts of certain rights relating to certain marks, trade names, or commercial names.”
To modify the prohibition on recognition by United States courts of certain rights relating to certain marks, trade names, or commercial names.
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
Patent Reform: S.1145 / H.R. 1908 - Patent Reform Act of 2007 S. 749 / H.R. 1306 - To modify the prohibition on recognition by United States courts of certain rights relating to certain marks, trade names, or commercial names.
Individual AMT Repeal Act of 2007
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
H.R. 1876 - “Mortgage Cancellation Relief Act” - To amend the Internal Revenue Code of 1986 to exclude from gross income of individual taxpayers discharges of indebtedness attributable to certain forgiven residential mortgage obligations. H.R. 2014 - "Leasehold Improvement Depreciation Act of 2007" - To amend the Internal Revenue Code of 1986 to permanently extend the 15-year recovery period for the depreciation of certain leasehold improvements and to modify the depreciation rules relating to such leasehold improvements for purposes of computing earnings and profits. H.R. 914 - “Tax Equity and Affordability Act of 2007”- Amend the Internal Revenue Code of 1986 to allow individuals a refundable credit against income tax for the purchase of private health insurance, and for other purposes; to the Committee on Ways and Means. H.R. 976 - “Small Business Tax Relief Act of 2007” - To amend the Internal Revenue Code of 1986 to provide tax relief for small businesses, and for other purposes. A companion bill to the tax title of H.R. 2. Contains increased small business expensing (from $100,000 to $125,000) effective through 2010. S. 55 - “Individual Alternative Minimum Tax Repeal Act of 2007” - A bill to amend the Internal Revenue Code of 1986 to repeal the alternative minimum tax on individuals. H.R. 1562 - “Katrina Housing Relief Act of 2007” - Extends the Hurricane Katrina tax relief provisions related to the low-income housing tax credit and expands tax-exempt bond authority available to jurisdictions in Louisiana, Mississippi and Alabama. H.R. 1787/S. 927 - “Catastrophe Savings Accounts Act of 2007” - Would allow individuals to set up catastrophe savings accounts (similar to health savings accounts) to pay for losses resulting from catastrophic events. H.R. 1366 - “Individual AMT Repeal Act of 2007” - To amend the Internal Revenue Code of 1986 to repeal the alternative minimum tax on individuals. H.R. 1753 - To amend the Internal Revenue Code of 1986 to make the expensing of environmental remediation costs permanent law and to repeal the recapture of such expenses under section 1245 of such Code.
Credit Union Regulatory Improvements Act of 2007
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
FDIC ILC Moratorium: H.R. 698/S. 1356 -Industrial Bank Holding Company Act of 2007 Credit Union Reform: H.R. 1537- Credit Union Regulatory Improvements Act of 2007
Credit Union Regulatory Improvements Act of 2007
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
H.R. 1427 - “Federal Housing Finance Reform Act of 2007” (GSE Reform) - Overhauls the regulatory oversight of the housing government-sponsored enterprises (GSEs) – Fannie Mae, Freddie Mac, and the Federal Home Loan Banks system (FHLBanks). H.R. 2061 - “Predatory Mortgage Lending Practices Act” - Makes it unlawful to intimidate or coerce a person conducting an appraisal for the purpose of causing the appraised value to be based on any other factors than the appraisers’ independent judgment. S. 1222 - “STOP FRAUD Act” - Develops a grant program within HUD targeted to state appraisal agencies to improve monitoring and enforcement of housing appraisal regulations. S. 1299 - “Borrowers Protection Act” - Requires appraisers to be bonded. Prohibits mortgage originators from influencing the appraisal process to meet a targeted value. H.R. 111/S. 413 - “Community Choice in Real Estate” - Prohibits financial holding companies and national banks from engaging, directly or indirectly, in real estate brokerage or real estate management activities. H.R. 836 - “Cyber Security Enhancement and Consumer Data Protection Act of 2007” - A bill to better assure cyber-security and for other purposes. H.R. 958 - “The Data Accountability and Trust Act” - Any business that houses personal information must implement specific security practices, including methods for dealing with disposal of "obsolete" information. Like many of past proposals, it would also mandate notification requirements in the event of a breach of personal data. S. 1178 - “Identity Theft Prevention Act” - A bill to strengthen data protection and safeguards, require data breach notification, and further prevent identity theft. S. 238 - “Social Security Number Misuse Prevention Act” - A bill to limit the misuse of Social Security numbers, to establish criminal penalties for such misuse, and for other purposes. S. 495 - “Personal Data Privacy and Security Act of 2007” - Prevent and mitigate identity theft, to ensure privacy, to provide notice of security breaches, and to enhance criminal penalties, law enforcement assistance, and other protections against security breaches, fraudulent access, and misuse of personally identifiable information; to the Committee on the Judiciary. H.R. 1537 - “Credit Union Regulatory Improvements Act of 2007” - Modernizes credit union net worth standards, advance credit union efforts to promote economic growth, and modify credit union regulatory standards and reduce burdens, and for other purposes. H.R. 480 - Amends the Truth in Lending Act (TILA) to prohibit a lender from making a mortgage loan to a borrower for the purchase of a principal residence if a borrower does not have a valid social security number. H.R. 698 - “Industrial Bank Holding Company Act of 2007” - Amends the Federal Deposit Insurance Act to close the ILC loophole. H.R. 2061 - “Predatory Mortgage Lending Practices Reduction Act” - Establishes federal certification of mortgage brokers and agents and stiffer penalties for violation of federal law. Sets up minimum standards as they relate to providing information to consumers as well as best practices for dispute/complaint resolution. Creates civil penalties for violations of federal law pertaining to predatory lending. S. 1299 - “Borrower’s Protection Act of 2007” - Establishes a fiduciary duty for mortgage brokers and other non-bank mortgage originators. Creates a faith and fair dealing standard for all originators. Requires originators to underwrite loans at the fully indexed rate. Requires originators to create escrow accounts to pay taxes and hazard insurance on subprime loans. Prohibits steering (i.e. brokers may not direct or counsel a consumer to rates, charges and principal amount or prepayment terms that are not appropriate or suitable for them). Holds lenders responsible for policing their associated appraisers and brokers. Prohibits originators from influencing appraisal process.
Katrina Housing Tax Relief Act of 2007
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
H.R. 1876 - “Mortgage Cancellation Relief Act” - To amend the Internal Revenue Code of 1986 to exclude from gross income of individual taxpayers discharges of indebtedness attributable to certain forgiven residential mortgage obligations. H.R. 2014 - "Leasehold Improvement Depreciation Act of 2007" - To amend the Internal Revenue Code of 1986 to permanently extend the 15-year recovery period for the depreciation of certain leasehold improvements and to modify the depreciation rules relating to such leasehold improvements for purposes of computing earnings and profits. H.R. 914 - “Tax Equity and Affordability Act of 2007”- Amend the Internal Revenue Code of 1986 to allow individuals a refundable credit against income tax for the purchase of private health insurance, and for other purposes; to the Committee on Ways and Means. H.R. 976 - “Small Business Tax Relief Act of 2007” - To amend the Internal Revenue Code of 1986 to provide tax relief for small businesses, and for other purposes. A companion bill to the tax title of H.R. 2. Contains increased small business expensing (from $100,000 to $125,000) effective through 2010. S. 55 - “Individual Alternative Minimum Tax Repeal Act of 2007” - A bill to amend the Internal Revenue Code of 1986 to repeal the alternative minimum tax on individuals. H.R. 1562 - “Katrina Housing Relief Act of 2007” - Extends the Hurricane Katrina tax relief provisions related to the low-income housing tax credit and expands tax-exempt bond authority available to jurisdictions in Louisiana, Mississippi and Alabama. H.R. 1787/S. 927 - “Catastrophe Savings Accounts Act of 2007” - Would allow individuals to set up catastrophe savings accounts (similar to health savings accounts) to pay for losses resulting from catastrophic events. H.R. 1366 - “Individual AMT Repeal Act of 2007” - To amend the Internal Revenue Code of 1986 to repeal the alternative minimum tax on individuals. H.R. 1753 - To amend the Internal Revenue Code of 1986 to make the expensing of environmental remediation costs permanent law and to repeal the recapture of such expenses under section 1245 of such Code.
Policyholder Disaster Protection Act of 2007
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
H.R. 1065 - “Nonadmitted and Reinsurance Reform Act of 2007” - To streamline the regulation of nonadmitted insurance and reinsurance, and for other purposes. H.R. 1081 - “Insurance Industry Competition Act of 2007” - To further competition in the insurance industry. S. 40 - "National Insurance Act of 2007" - A bill to authorize the issuance of Federal charters and licenses for carrying on the sale, solicitation, negotiation, and underwriting of insurance or any other insurance operations, to provide a comprehensive system for the Federal regulation and supervision of national insurers and national agencies, to provide for policyholder protections in the event of an insolvency or the impairment of a national insurer, and for other purposes. S. 618 - “Insurance Industry Competition Act of 2007” - A bill to further competition in the insurance industry. H.R. 1065 - “Nonadmitted and Reinsurance Reform Act of 2007” - Would streamline state laws regarding “surplus lines” of insurance. H.R. 164 - “Policyholder Disaster Protection Act of 2007” - Provides for the creation of disaster protection funds by property and casualty insurance companies for the payment of policyholders’ claims arising from future catastrophic events. H.R. 1682 - “The Flood Insurance Reform and Modernization Act of 2007” - To restore financial solvency of the national flood insurance program, and for other purposes. H.R. 330 - “Homeowners’ Insurance Availability Act of 2007” - Establishes a federal reinsurance program for disaster insurance H.R. 537/S. 292 - “Commission on Catastrophic Disaster Risk and Insurance Act of 2007” - "Establishes the bipartisan Commission on Catastrophic Disaster Risk and Insurance H.R. 91 - “Homeowners Insurance Protection Act of 2007” - Establishes a federal catastrophic reinsurance fund; establishes a commission to study disaster insurance issues; requires a study of the national flood insurance program (NFIP). H.R. 920 - “Multiperil Insurance Act of 2007” - Would amend the National Flood Insurance Program to allow homeowners to purchase windstorm coverage in addition to flood coverage. S. 926 - “Policyholder Disaster Protection Act of 2007” - Would allow tax-deferred reserves for insurance companies. S. 928 - “Homeowners Protection Act of 2007” - Would create a federal insurance backstop for state catastrophe funds. S. 929 - “Non-admitted and Reinsurance Act of 2007” - Would streamline the regulation of non-admitted insurance and reinsurance.
Native American Home Ownership Opportunity Act of 2007
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
H.R. 365/S. 635 - The Methamphetamine Remediation Research Act of 2007 - Requires EPA (in consultation with NIST) to develop voluntary guidelines for the remediation of former meth labs. They should be designed to assist State and local governments in the development and the implementation of legislation and other policies to clean up meth labs. Also requires EPA to establish a research program on the chemicals used to create meth, a study (with the National Academy of Sciences) on the residual effects of meth labs, and a research program to develop meth detection technologies. H.R. 1227 - “Gulf Coast Hurricane Housing Recovery Act of 2007” - To assist in the provision of affordable housing to low-income families affected by Hurricane Katrina. The bill requires one-for-one replacement of public housing units lost in New Orleans, requires HUD to survey all public housing residents about their desire to return, and extends the disaster voucher program to January 2008. The bill also included a provision to reimburse landlords who housed evacuees for damages due to FEMA's failure to follow through with agreements they made under the city lease program. H.R. 1676 - “Native American Home Ownership Opportunity Act of 2007”- This bill would reauthorize the program of the Secretary of Housing and Urban Development for loan guarantees for Indian housing. H.R. 1752 - “Expanding American Homeownership Act” - This bill would modernize the Federal Housing Administration (FHA), making the agency more efficient and competitive with the sub-prime industry. It will decrease premiums for borrowers, permit no-down payment loans, and increase access to homeownership. H.R. 1851 - "Section 8 Voucher Reform Act of 2007" - This bill would amend the housing choice voucher program under section 8 of the United States Housing Act of 1937. H.R. 1852 - “Expanding American Homeownership Act” - This bill would modernize the Federal Housing Administration (FHA), making the agency more efficient and competitive with the sub-prime industry. It will decrease premiums for borrowers, permit no-down payment loans, and increase access to homeownership. It also creates an Affordable Housing Fund from FHA proceeds. H.R. 1982 - “Rural Housing and Economic Development Improvement Act of 2007" - This bill would authorize the rural housing and economic development program of the Department of Housing and Urban Development. H.R. 2139 - “FHA Manufactured Housing Loan Modernization Act of 2007” - This bill would modernize the manufactured housing loan insurance program under title I of FHA. S. 947 - “21st Century Housing Act” - To allow FHA to hire off the GS scale, invest in updating information technology, increase FHA loans up to 50 years, allow FHA to provide flexible downpayments provide FHA with pilot program authority, increase the loan limits in high cost areas for FHA MULTI-family programs, increase the FHA single-family loan limits, increase the cap reserve which FHA must keep, and move the condo program in with other single family programs S. 1386 - "Homeownership Protection and Enhancement (HOPE) Act of 2007" - Expand access to foreclosure prevention services to all low- and moderate-income families and those who have experienced unexpected financial difficulties. Create an affirmative duty for lenders and servicers to engage in reasonable loss mitigation prior to foreclosure. Require notifications by lenders regarding availability of pre-purchase homeownership counseling, homeownership counseling, and services of State Homeownership Protection Centers. Appropriates money to reauthorize, enhance, and improve the Department of Housing and Urban Development’s housing counseling programs. H.R. 1723 - “Fair FHA Appraisal Act” - Would increase fines for those who would improperly influence appraisers in FHA transactions, established a blind draw selection system for FHA appraiser.
Flood Insurance Reform and Modernization Act of 2007
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
H.R. 1065 - “Nonadmitted and Reinsurance Reform Act of 2007” - To streamline the regulation of nonadmitted insurance and reinsurance, and for other purposes. H.R. 1081 - “Insurance Industry Competition Act of 2007” - To further competition in the insurance industry. S. 40 - "National Insurance Act of 2007" - A bill to authorize the issuance of Federal charters and licenses for carrying on the sale, solicitation, negotiation, and underwriting of insurance or any other insurance operations, to provide a comprehensive system for the Federal regulation and supervision of national insurers and national agencies, to provide for policyholder protections in the event of an insolvency or the impairment of a national insurer, and for other purposes. S. 618 - “Insurance Industry Competition Act of 2007” - A bill to further competition in the insurance industry. H.R. 1065 - “Nonadmitted and Reinsurance Reform Act of 2007” - Would streamline state laws regarding “surplus lines” of insurance. H.R. 164 - “Policyholder Disaster Protection Act of 2007” - Provides for the creation of disaster protection funds by property and casualty insurance companies for the payment of policyholders’ claims arising from future catastrophic events. H.R. 1682 - “The Flood Insurance Reform and Modernization Act of 2007” - To restore financial solvency of the national flood insurance program, and for other purposes. H.R. 330 - “Homeowners’ Insurance Availability Act of 2007” - Establishes a federal reinsurance program for disaster insurance H.R. 537/S. 292 - “Commission on Catastrophic Disaster Risk and Insurance Act of 2007” - "Establishes the bipartisan Commission on Catastrophic Disaster Risk and Insurance H.R. 91 - “Homeowners Insurance Protection Act of 2007” - Establishes a federal catastrophic reinsurance fund; establishes a commission to study disaster insurance issues; requires a study of the national flood insurance program (NFIP). H.R. 920 - “Multiperil Insurance Act of 2007” - Would amend the National Flood Insurance Program to allow homeowners to purchase windstorm coverage in addition to flood coverage. S. 926 - “Policyholder Disaster Protection Act of 2007” - Would allow tax-deferred reserves for insurance companies. S. 928 - “Homeowners Protection Act of 2007” - Would create a federal insurance backstop for state catastrophe funds. S. 929 - “Non-admitted and Reinsurance Act of 2007” - Would streamline the regulation of non-admitted insurance and reinsurance.
Secure Rural Schools and Community Self-Determination Reauthorization Act of 2007
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
H.R. 17 - “Secure Rural Schools and Community Self-Determination Reauthorization Act of 2007” - To reauthorize the Secure Rural Schools and Community Self-Determination Act of 2000, and for other purposes.
Secure Rural Schools and Community Self-Determination Reauthorization Act of 2007
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
Smart Growth & School Quality: H.R. 17 - Secure Rural Schhols & Community Self-Determination Reauthorization Act of 2007
Fair FHA Appraisals Act of 2007
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
H.R. 365/S. 635 - The Methamphetamine Remediation Research Act of 2007 - Requires EPA (in consultation with NIST) to develop voluntary guidelines for the remediation of former meth labs. They should be designed to assist State and local governments in the development and the implementation of legislation and other policies to clean up meth labs. Also requires EPA to establish a research program on the chemicals used to create meth, a study (with the National Academy of Sciences) on the residual effects of meth labs, and a research program to develop meth detection technologies. H.R. 1227 - “Gulf Coast Hurricane Housing Recovery Act of 2007” - To assist in the provision of affordable housing to low-income families affected by Hurricane Katrina. The bill requires one-for-one replacement of public housing units lost in New Orleans, requires HUD to survey all public housing residents about their desire to return, and extends the disaster voucher program to January 2008. The bill also included a provision to reimburse landlords who housed evacuees for damages due to FEMA's failure to follow through with agreements they made under the city lease program. H.R. 1676 - “Native American Home Ownership Opportunity Act of 2007”- This bill would reauthorize the program of the Secretary of Housing and Urban Development for loan guarantees for Indian housing. H.R. 1752 - “Expanding American Homeownership Act” - This bill would modernize the Federal Housing Administration (FHA), making the agency more efficient and competitive with the sub-prime industry. It will decrease premiums for borrowers, permit no-down payment loans, and increase access to homeownership. H.R. 1851 - "Section 8 Voucher Reform Act of 2007" - This bill would amend the housing choice voucher program under section 8 of the United States Housing Act of 1937. H.R. 1852 - “Expanding American Homeownership Act” - This bill would modernize the Federal Housing Administration (FHA), making the agency more efficient and competitive with the sub-prime industry. It will decrease premiums for borrowers, permit no-down payment loans, and increase access to homeownership. It also creates an Affordable Housing Fund from FHA proceeds. H.R. 1982 - “Rural Housing and Economic Development Improvement Act of 2007" - This bill would authorize the rural housing and economic development program of the Department of Housing and Urban Development. H.R. 2139 - “FHA Manufactured Housing Loan Modernization Act of 2007” - This bill would modernize the manufactured housing loan insurance program under title I of FHA. S. 947 - “21st Century Housing Act” - To allow FHA to hire off the GS scale, invest in updating information technology, increase FHA loans up to 50 years, allow FHA to provide flexible downpayments provide FHA with pilot program authority, increase the loan limits in high cost areas for FHA MULTI-family programs, increase the FHA single-family loan limits, increase the cap reserve which FHA must keep, and move the condo program in with other single family programs S. 1386 - "Homeownership Protection and Enhancement (HOPE) Act of 2007" - Expand access to foreclosure prevention services to all low- and moderate-income families and those who have experienced unexpected financial difficulties. Create an affirmative duty for lenders and servicers to engage in reasonable loss mitigation prior to foreclosure. Require notifications by lenders regarding availability of pre-purchase homeownership counseling, homeownership counseling, and services of State Homeownership Protection Centers. Appropriates money to reauthorize, enhance, and improve the Department of Housing and Urban Development’s housing counseling programs. H.R. 1723 - “Fair FHA Appraisal Act” - Would increase fines for those who would improperly influence appraisers in FHA transactions, established a blind draw selection system for FHA appraiser.
Expanding American Homeownership Act of 2007
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
FHA Reform: H.R. 1752 - Expanding American Homeownership Act S. 947 - 21st Century Housing Act
Expanding American Homeownership Act of 2007
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
H.R. 365/S. 635 - The Methamphetamine Remediation Research Act of 2007 - Requires EPA (in consultation with NIST) to develop voluntary guidelines for the remediation of former meth labs. They should be designed to assist State and local governments in the development and the implementation of legislation and other policies to clean up meth labs. Also requires EPA to establish a research program on the chemicals used to create meth, a study (with the National Academy of Sciences) on the residual effects of meth labs, and a research program to develop meth detection technologies. H.R. 1227 - “Gulf Coast Hurricane Housing Recovery Act of 2007” - To assist in the provision of affordable housing to low-income families affected by Hurricane Katrina. The bill requires one-for-one replacement of public housing units lost in New Orleans, requires HUD to survey all public housing residents about their desire to return, and extends the disaster voucher program to January 2008. The bill also included a provision to reimburse landlords who housed evacuees for damages due to FEMA's failure to follow through with agreements they made under the city lease program. H.R. 1676 - “Native American Home Ownership Opportunity Act of 2007”- This bill would reauthorize the program of the Secretary of Housing and Urban Development for loan guarantees for Indian housing. H.R. 1752 - “Expanding American Homeownership Act” - This bill would modernize the Federal Housing Administration (FHA), making the agency more efficient and competitive with the sub-prime industry. It will decrease premiums for borrowers, permit no-down payment loans, and increase access to homeownership. H.R. 1851 - "Section 8 Voucher Reform Act of 2007" - This bill would amend the housing choice voucher program under section 8 of the United States Housing Act of 1937. H.R. 1852 - “Expanding American Homeownership Act” - This bill would modernize the Federal Housing Administration (FHA), making the agency more efficient and competitive with the sub-prime industry. It will decrease premiums for borrowers, permit no-down payment loans, and increase access to homeownership. It also creates an Affordable Housing Fund from FHA proceeds. H.R. 1982 - “Rural Housing and Economic Development Improvement Act of 2007" - This bill would authorize the rural housing and economic development program of the Department of Housing and Urban Development. H.R. 2139 - “FHA Manufactured Housing Loan Modernization Act of 2007” - This bill would modernize the manufactured housing loan insurance program under title I of FHA. S. 947 - “21st Century Housing Act” - To allow FHA to hire off the GS scale, invest in updating information technology, increase FHA loans up to 50 years, allow FHA to provide flexible downpayments provide FHA with pilot program authority, increase the loan limits in high cost areas for FHA MULTI-family programs, increase the FHA single-family loan limits, increase the cap reserve which FHA must keep, and move the condo program in with other single family programs S. 1386 - "Homeownership Protection and Enhancement (HOPE) Act of 2007" - Expand access to foreclosure prevention services to all low- and moderate-income families and those who have experienced unexpected financial difficulties. Create an affirmative duty for lenders and servicers to engage in reasonable loss mitigation prior to foreclosure. Require notifications by lenders regarding availability of pre-purchase homeownership counseling, homeownership counseling, and services of State Homeownership Protection Centers. Appropriates money to reauthorize, enhance, and improve the Department of Housing and Urban Development’s housing counseling programs. H.R. 1723 - “Fair FHA Appraisal Act” - Would increase fines for those who would improperly influence appraisers in FHA transactions, established a blind draw selection system for FHA appraiser.
To amend the Internal Revenue Code of 1986 to make the expensing of environmental remediation costs permanent law and to repeal the recapture of such expenses under section 1245 of such Code.
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
H.R. 1876 - “Mortgage Cancellation Relief Act” - To amend the Internal Revenue Code of 1986 to exclude from gross income of individual taxpayers discharges of indebtedness attributable to certain forgiven residential mortgage obligations. H.R. 2014 - "Leasehold Improvement Depreciation Act of 2007" - To amend the Internal Revenue Code of 1986 to permanently extend the 15-year recovery period for the depreciation of certain leasehold improvements and to modify the depreciation rules relating to such leasehold improvements for purposes of computing earnings and profits. H.R. 914 - “Tax Equity and Affordability Act of 2007”- Amend the Internal Revenue Code of 1986 to allow individuals a refundable credit against income tax for the purchase of private health insurance, and for other purposes; to the Committee on Ways and Means. H.R. 976 - “Small Business Tax Relief Act of 2007” - To amend the Internal Revenue Code of 1986 to provide tax relief for small businesses, and for other purposes. A companion bill to the tax title of H.R. 2. Contains increased small business expensing (from $100,000 to $125,000) effective through 2010. S. 55 - “Individual Alternative Minimum Tax Repeal Act of 2007” - A bill to amend the Internal Revenue Code of 1986 to repeal the alternative minimum tax on individuals. H.R. 1562 - “Katrina Housing Relief Act of 2007” - Extends the Hurricane Katrina tax relief provisions related to the low-income housing tax credit and expands tax-exempt bond authority available to jurisdictions in Louisiana, Mississippi and Alabama. H.R. 1787/S. 927 - “Catastrophe Savings Accounts Act of 2007” - Would allow individuals to set up catastrophe savings accounts (similar to health savings accounts) to pay for losses resulting from catastrophic events. H.R. 1366 - “Individual AMT Repeal Act of 2007” - To amend the Internal Revenue Code of 1986 to repeal the alternative minimum tax on individuals. H.R. 1753 - To amend the Internal Revenue Code of 1986 to make the expensing of environmental remediation costs permanent law and to repeal the recapture of such expenses under section 1245 of such Code.
Catastrophe Savings Accounts Act of 2007
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
Catastrophe Savings Accounts: S. 927 - Catastrophe Savings Accounts Act of 2007 H.R 1787 - Catastrophe Savings Accounts Act of 2007
Catastrophe Savings Accounts Act of 2007
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
H.R. 1876 - “Mortgage Cancellation Relief Act” - To amend the Internal Revenue Code of 1986 to exclude from gross income of individual taxpayers discharges of indebtedness attributable to certain forgiven residential mortgage obligations. H.R. 2014 - "Leasehold Improvement Depreciation Act of 2007" - To amend the Internal Revenue Code of 1986 to permanently extend the 15-year recovery period for the depreciation of certain leasehold improvements and to modify the depreciation rules relating to such leasehold improvements for purposes of computing earnings and profits. H.R. 914 - “Tax Equity and Affordability Act of 2007”- Amend the Internal Revenue Code of 1986 to allow individuals a refundable credit against income tax for the purchase of private health insurance, and for other purposes; to the Committee on Ways and Means. H.R. 976 - “Small Business Tax Relief Act of 2007” - To amend the Internal Revenue Code of 1986 to provide tax relief for small businesses, and for other purposes. A companion bill to the tax title of H.R. 2. Contains increased small business expensing (from $100,000 to $125,000) effective through 2010. S. 55 - “Individual Alternative Minimum Tax Repeal Act of 2007” - A bill to amend the Internal Revenue Code of 1986 to repeal the alternative minimum tax on individuals. H.R. 1562 - “Katrina Housing Relief Act of 2007” - Extends the Hurricane Katrina tax relief provisions related to the low-income housing tax credit and expands tax-exempt bond authority available to jurisdictions in Louisiana, Mississippi and Alabama. H.R. 1787/S. 927 - “Catastrophe Savings Accounts Act of 2007” - Would allow individuals to set up catastrophe savings accounts (similar to health savings accounts) to pay for losses resulting from catastrophic events. H.R. 1366 - “Individual AMT Repeal Act of 2007” - To amend the Internal Revenue Code of 1986 to repeal the alternative minimum tax on individuals. H.R. 1753 - To amend the Internal Revenue Code of 1986 to make the expensing of environmental remediation costs permanent law and to repeal the recapture of such expenses under section 1245 of such Code.
Section 8 Voucher Reform Act of 2007
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
H.R. 365/S. 635 - The Methamphetamine Remediation Research Act of 2007 - Requires EPA (in consultation with NIST) to develop voluntary guidelines for the remediation of former meth labs. They should be designed to assist State and local governments in the development and the implementation of legislation and other policies to clean up meth labs. Also requires EPA to establish a research program on the chemicals used to create meth, a study (with the National Academy of Sciences) on the residual effects of meth labs, and a research program to develop meth detection technologies. H.R. 1227 - “Gulf Coast Hurricane Housing Recovery Act of 2007” - To assist in the provision of affordable housing to low-income families affected by Hurricane Katrina. The bill requires one-for-one replacement of public housing units lost in New Orleans, requires HUD to survey all public housing residents about their desire to return, and extends the disaster voucher program to January 2008. The bill also included a provision to reimburse landlords who housed evacuees for damages due to FEMA's failure to follow through with agreements they made under the city lease program. H.R. 1676 - “Native American Home Ownership Opportunity Act of 2007”- This bill would reauthorize the program of the Secretary of Housing and Urban Development for loan guarantees for Indian housing. H.R. 1752 - “Expanding American Homeownership Act” - This bill would modernize the Federal Housing Administration (FHA), making the agency more efficient and competitive with the sub-prime industry. It will decrease premiums for borrowers, permit no-down payment loans, and increase access to homeownership. H.R. 1851 - "Section 8 Voucher Reform Act of 2007" - This bill would amend the housing choice voucher program under section 8 of the United States Housing Act of 1937. H.R. 1852 - “Expanding American Homeownership Act” - This bill would modernize the Federal Housing Administration (FHA), making the agency more efficient and competitive with the sub-prime industry. It will decrease premiums for borrowers, permit no-down payment loans, and increase access to homeownership. It also creates an Affordable Housing Fund from FHA proceeds. H.R. 1982 - “Rural Housing and Economic Development Improvement Act of 2007" - This bill would authorize the rural housing and economic development program of the Department of Housing and Urban Development. H.R. 2139 - “FHA Manufactured Housing Loan Modernization Act of 2007” - This bill would modernize the manufactured housing loan insurance program under title I of FHA. S. 947 - “21st Century Housing Act” - To allow FHA to hire off the GS scale, invest in updating information technology, increase FHA loans up to 50 years, allow FHA to provide flexible downpayments provide FHA with pilot program authority, increase the loan limits in high cost areas for FHA MULTI-family programs, increase the FHA single-family loan limits, increase the cap reserve which FHA must keep, and move the condo program in with other single family programs S. 1386 - "Homeownership Protection and Enhancement (HOPE) Act of 2007" - Expand access to foreclosure prevention services to all low- and moderate-income families and those who have experienced unexpected financial difficulties. Create an affirmative duty for lenders and servicers to engage in reasonable loss mitigation prior to foreclosure. Require notifications by lenders regarding availability of pre-purchase homeownership counseling, homeownership counseling, and services of State Homeownership Protection Centers. Appropriates money to reauthorize, enhance, and improve the Department of Housing and Urban Development’s housing counseling programs. H.R. 1723 - “Fair FHA Appraisal Act” - Would increase fines for those who would improperly influence appraisers in FHA transactions, established a blind draw selection system for FHA appraiser.
Expanding American Homeownership Act of 2007
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
H.R. 365/S. 635 - The Methamphetamine Remediation Research Act of 2007 - Requires EPA (in consultation with NIST) to develop voluntary guidelines for the remediation of former meth labs. They should be designed to assist State and local governments in the development and the implementation of legislation and other policies to clean up meth labs. Also requires EPA to establish a research program on the chemicals used to create meth, a study (with the National Academy of Sciences) on the residual effects of meth labs, and a research program to develop meth detection technologies. H.R. 1227 - “Gulf Coast Hurricane Housing Recovery Act of 2007” - To assist in the provision of affordable housing to low-income families affected by Hurricane Katrina. The bill requires one-for-one replacement of public housing units lost in New Orleans, requires HUD to survey all public housing residents about their desire to return, and extends the disaster voucher program to January 2008. The bill also included a provision to reimburse landlords who housed evacuees for damages due to FEMA's failure to follow through with agreements they made under the city lease program. H.R. 1676 - “Native American Home Ownership Opportunity Act of 2007”- This bill would reauthorize the program of the Secretary of Housing and Urban Development for loan guarantees for Indian housing. H.R. 1752 - “Expanding American Homeownership Act” - This bill would modernize the Federal Housing Administration (FHA), making the agency more efficient and competitive with the sub-prime industry. It will decrease premiums for borrowers, permit no-down payment loans, and increase access to homeownership. H.R. 1851 - "Section 8 Voucher Reform Act of 2007" - This bill would amend the housing choice voucher program under section 8 of the United States Housing Act of 1937. H.R. 1852 - “Expanding American Homeownership Act” - This bill would modernize the Federal Housing Administration (FHA), making the agency more efficient and competitive with the sub-prime industry. It will decrease premiums for borrowers, permit no-down payment loans, and increase access to homeownership. It also creates an Affordable Housing Fund from FHA proceeds. H.R. 1982 - “Rural Housing and Economic Development Improvement Act of 2007" - This bill would authorize the rural housing and economic development program of the Department of Housing and Urban Development. H.R. 2139 - “FHA Manufactured Housing Loan Modernization Act of 2007” - This bill would modernize the manufactured housing loan insurance program under title I of FHA. S. 947 - “21st Century Housing Act” - To allow FHA to hire off the GS scale, invest in updating information technology, increase FHA loans up to 50 years, allow FHA to provide flexible downpayments provide FHA with pilot program authority, increase the loan limits in high cost areas for FHA MULTI-family programs, increase the FHA single-family loan limits, increase the cap reserve which FHA must keep, and move the condo program in with other single family programs S. 1386 - "Homeownership Protection and Enhancement (HOPE) Act of 2007" - Expand access to foreclosure prevention services to all low- and moderate-income families and those who have experienced unexpected financial difficulties. Create an affirmative duty for lenders and servicers to engage in reasonable loss mitigation prior to foreclosure. Require notifications by lenders regarding availability of pre-purchase homeownership counseling, homeownership counseling, and services of State Homeownership Protection Centers. Appropriates money to reauthorize, enhance, and improve the Department of Housing and Urban Development’s housing counseling programs. H.R. 1723 - “Fair FHA Appraisal Act” - Would increase fines for those who would improperly influence appraisers in FHA transactions, established a blind draw selection system for FHA appraiser.
Mortgage Cancellation Relief Act of 2007
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
H.R. 1876 - “Mortgage Cancellation Relief Act” - To amend the Internal Revenue Code of 1986 to exclude from gross income of individual taxpayers discharges of indebtedness attributable to certain forgiven residential mortgage obligations. H.R. 2014 - "Leasehold Improvement Depreciation Act of 2007" - To amend the Internal Revenue Code of 1986 to permanently extend the 15-year recovery period for the depreciation of certain leasehold improvements and to modify the depreciation rules relating to such leasehold improvements for purposes of computing earnings and profits. H.R. 914 - “Tax Equity and Affordability Act of 2007”- Amend the Internal Revenue Code of 1986 to allow individuals a refundable credit against income tax for the purchase of private health insurance, and for other purposes; to the Committee on Ways and Means. H.R. 976 - “Small Business Tax Relief Act of 2007” - To amend the Internal Revenue Code of 1986 to provide tax relief for small businesses, and for other purposes. A companion bill to the tax title of H.R. 2. Contains increased small business expensing (from $100,000 to $125,000) effective through 2010. S. 55 - “Individual Alternative Minimum Tax Repeal Act of 2007” - A bill to amend the Internal Revenue Code of 1986 to repeal the alternative minimum tax on individuals. H.R. 1562 - “Katrina Housing Relief Act of 2007” - Extends the Hurricane Katrina tax relief provisions related to the low-income housing tax credit and expands tax-exempt bond authority available to jurisdictions in Louisiana, Mississippi and Alabama. H.R. 1787/S. 927 - “Catastrophe Savings Accounts Act of 2007” - Would allow individuals to set up catastrophe savings accounts (similar to health savings accounts) to pay for losses resulting from catastrophic events. H.R. 1366 - “Individual AMT Repeal Act of 2007” - To amend the Internal Revenue Code of 1986 to repeal the alternative minimum tax on individuals. H.R. 1753 - To amend the Internal Revenue Code of 1986 to make the expensing of environmental remediation costs permanent law and to repeal the recapture of such expenses under section 1245 of such Code.
Patent Reform Act of 2007
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
H.R. 1908/S. 1145 - “Patent Reform Act of 2007 - To amend title 35, United States Code, to provide for patent reform. H.R. 1306/S. 749 - “A bill to modify the prohibition on recognition by United States courts of certain rights relating to certain marks, trade names, or commercial names.”
Patent Reform Act of 2007
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
Patent Reform: S.1145 / H.R. 1908 - Patent Reform Act of 2007 S. 749 / H.R. 1306 - To modify the prohibition on recognition by United States courts of certain rights relating to certain marks, trade names, or commercial names.
Rural Housing and Economic Development Improvement Act of 2007
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
H.R. 365/S. 635 - The Methamphetamine Remediation Research Act of 2007 - Requires EPA (in consultation with NIST) to develop voluntary guidelines for the remediation of former meth labs. They should be designed to assist State and local governments in the development and the implementation of legislation and other policies to clean up meth labs. Also requires EPA to establish a research program on the chemicals used to create meth, a study (with the National Academy of Sciences) on the residual effects of meth labs, and a research program to develop meth detection technologies. H.R. 1227 - “Gulf Coast Hurricane Housing Recovery Act of 2007” - To assist in the provision of affordable housing to low-income families affected by Hurricane Katrina. The bill requires one-for-one replacement of public housing units lost in New Orleans, requires HUD to survey all public housing residents about their desire to return, and extends the disaster voucher program to January 2008. The bill also included a provision to reimburse landlords who housed evacuees for damages due to FEMA's failure to follow through with agreements they made under the city lease program. H.R. 1676 - “Native American Home Ownership Opportunity Act of 2007”- This bill would reauthorize the program of the Secretary of Housing and Urban Development for loan guarantees for Indian housing. H.R. 1752 - “Expanding American Homeownership Act” - This bill would modernize the Federal Housing Administration (FHA), making the agency more efficient and competitive with the sub-prime industry. It will decrease premiums for borrowers, permit no-down payment loans, and increase access to homeownership. H.R. 1851 - "Section 8 Voucher Reform Act of 2007" - This bill would amend the housing choice voucher program under section 8 of the United States Housing Act of 1937. H.R. 1852 - “Expanding American Homeownership Act” - This bill would modernize the Federal Housing Administration (FHA), making the agency more efficient and competitive with the sub-prime industry. It will decrease premiums for borrowers, permit no-down payment loans, and increase access to homeownership. It also creates an Affordable Housing Fund from FHA proceeds. H.R. 1982 - “Rural Housing and Economic Development Improvement Act of 2007" - This bill would authorize the rural housing and economic development program of the Department of Housing and Urban Development. H.R. 2139 - “FHA Manufactured Housing Loan Modernization Act of 2007” - This bill would modernize the manufactured housing loan insurance program under title I of FHA. S. 947 - “21st Century Housing Act” - To allow FHA to hire off the GS scale, invest in updating information technology, increase FHA loans up to 50 years, allow FHA to provide flexible downpayments provide FHA with pilot program authority, increase the loan limits in high cost areas for FHA MULTI-family programs, increase the FHA single-family loan limits, increase the cap reserve which FHA must keep, and move the condo program in with other single family programs S. 1386 - "Homeownership Protection and Enhancement (HOPE) Act of 2007" - Expand access to foreclosure prevention services to all low- and moderate-income families and those who have experienced unexpected financial difficulties. Create an affirmative duty for lenders and servicers to engage in reasonable loss mitigation prior to foreclosure. Require notifications by lenders regarding availability of pre-purchase homeownership counseling, homeownership counseling, and services of State Homeownership Protection Centers. Appropriates money to reauthorize, enhance, and improve the Department of Housing and Urban Development’s housing counseling programs. H.R. 1723 - “Fair FHA Appraisal Act” - Would increase fines for those who would improperly influence appraisers in FHA transactions, established a blind draw selection system for FHA appraiser.
Leasehold Improvement Depreciation Act of 2007
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
H.R. 1876 - “Mortgage Cancellation Relief Act” - To amend the Internal Revenue Code of 1986 to exclude from gross income of individual taxpayers discharges of indebtedness attributable to certain forgiven residential mortgage obligations. H.R. 2014 - "Leasehold Improvement Depreciation Act of 2007" - To amend the Internal Revenue Code of 1986 to permanently extend the 15-year recovery period for the depreciation of certain leasehold improvements and to modify the depreciation rules relating to such leasehold improvements for purposes of computing earnings and profits. H.R. 914 - “Tax Equity and Affordability Act of 2007”- Amend the Internal Revenue Code of 1986 to allow individuals a refundable credit against income tax for the purchase of private health insurance, and for other purposes; to the Committee on Ways and Means. H.R. 976 - “Small Business Tax Relief Act of 2007” - To amend the Internal Revenue Code of 1986 to provide tax relief for small businesses, and for other purposes. A companion bill to the tax title of H.R. 2. Contains increased small business expensing (from $100,000 to $125,000) effective through 2010. S. 55 - “Individual Alternative Minimum Tax Repeal Act of 2007” - A bill to amend the Internal Revenue Code of 1986 to repeal the alternative minimum tax on individuals. H.R. 1562 - “Katrina Housing Relief Act of 2007” - Extends the Hurricane Katrina tax relief provisions related to the low-income housing tax credit and expands tax-exempt bond authority available to jurisdictions in Louisiana, Mississippi and Alabama. H.R. 1787/S. 927 - “Catastrophe Savings Accounts Act of 2007” - Would allow individuals to set up catastrophe savings accounts (similar to health savings accounts) to pay for losses resulting from catastrophic events. H.R. 1366 - “Individual AMT Repeal Act of 2007” - To amend the Internal Revenue Code of 1986 to repeal the alternative minimum tax on individuals. H.R. 1753 - To amend the Internal Revenue Code of 1986 to make the expensing of environmental remediation costs permanent law and to repeal the recapture of such expenses under section 1245 of such Code.
Predatory Mortgage Lending Practices Reduction Act
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
Appraisal: H.R. 2061 - Predatory Mortgage Lending Practices Act
Predatory Mortgage Lending Practices Reduction Act
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
H.R. 1427 - “Federal Housing Finance Reform Act of 2007” (GSE Reform) - Overhauls the regulatory oversight of the housing government-sponsored enterprises (GSEs) – Fannie Mae, Freddie Mac, and the Federal Home Loan Banks system (FHLBanks). H.R. 2061 - “Predatory Mortgage Lending Practices Act” - Makes it unlawful to intimidate or coerce a person conducting an appraisal for the purpose of causing the appraised value to be based on any other factors than the appraisers’ independent judgment. S. 1222 - “STOP FRAUD Act” - Develops a grant program within HUD targeted to state appraisal agencies to improve monitoring and enforcement of housing appraisal regulations. S. 1299 - “Borrowers Protection Act” - Requires appraisers to be bonded. Prohibits mortgage originators from influencing the appraisal process to meet a targeted value. H.R. 111/S. 413 - “Community Choice in Real Estate” - Prohibits financial holding companies and national banks from engaging, directly or indirectly, in real estate brokerage or real estate management activities. H.R. 836 - “Cyber Security Enhancement and Consumer Data Protection Act of 2007” - A bill to better assure cyber-security and for other purposes. H.R. 958 - “The Data Accountability and Trust Act” - Any business that houses personal information must implement specific security practices, including methods for dealing with disposal of "obsolete" information. Like many of past proposals, it would also mandate notification requirements in the event of a breach of personal data. S. 1178 - “Identity Theft Prevention Act” - A bill to strengthen data protection and safeguards, require data breach notification, and further prevent identity theft. S. 238 - “Social Security Number Misuse Prevention Act” - A bill to limit the misuse of Social Security numbers, to establish criminal penalties for such misuse, and for other purposes. S. 495 - “Personal Data Privacy and Security Act of 2007” - Prevent and mitigate identity theft, to ensure privacy, to provide notice of security breaches, and to enhance criminal penalties, law enforcement assistance, and other protections against security breaches, fraudulent access, and misuse of personally identifiable information; to the Committee on the Judiciary. H.R. 1537 - “Credit Union Regulatory Improvements Act of 2007” - Modernizes credit union net worth standards, advance credit union efforts to promote economic growth, and modify credit union regulatory standards and reduce burdens, and for other purposes. H.R. 480 - Amends the Truth in Lending Act (TILA) to prohibit a lender from making a mortgage loan to a borrower for the purchase of a principal residence if a borrower does not have a valid social security number. H.R. 698 - “Industrial Bank Holding Company Act of 2007” - Amends the Federal Deposit Insurance Act to close the ILC loophole. H.R. 2061 - “Predatory Mortgage Lending Practices Reduction Act” - Establishes federal certification of mortgage brokers and agents and stiffer penalties for violation of federal law. Sets up minimum standards as they relate to providing information to consumers as well as best practices for dispute/complaint resolution. Creates civil penalties for violations of federal law pertaining to predatory lending. S. 1299 - “Borrower’s Protection Act of 2007” - Establishes a fiduciary duty for mortgage brokers and other non-bank mortgage originators. Creates a faith and fair dealing standard for all originators. Requires originators to underwrite loans at the fully indexed rate. Requires originators to create escrow accounts to pay taxes and hazard insurance on subprime loans. Prohibits steering (i.e. brokers may not direct or counsel a consumer to rates, charges and principal amount or prepayment terms that are not appropriate or suitable for them). Holds lenders responsible for policing their associated appraisers and brokers. Prohibits originators from influencing appraisal process.
FHA Manufactured Housing Loan Modernization Act of 2007
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
H.R. 365/S. 635 - The Methamphetamine Remediation Research Act of 2007 - Requires EPA (in consultation with NIST) to develop voluntary guidelines for the remediation of former meth labs. They should be designed to assist State and local governments in the development and the implementation of legislation and other policies to clean up meth labs. Also requires EPA to establish a research program on the chemicals used to create meth, a study (with the National Academy of Sciences) on the residual effects of meth labs, and a research program to develop meth detection technologies. H.R. 1227 - “Gulf Coast Hurricane Housing Recovery Act of 2007” - To assist in the provision of affordable housing to low-income families affected by Hurricane Katrina. The bill requires one-for-one replacement of public housing units lost in New Orleans, requires HUD to survey all public housing residents about their desire to return, and extends the disaster voucher program to January 2008. The bill also included a provision to reimburse landlords who housed evacuees for damages due to FEMA's failure to follow through with agreements they made under the city lease program. H.R. 1676 - “Native American Home Ownership Opportunity Act of 2007”- This bill would reauthorize the program of the Secretary of Housing and Urban Development for loan guarantees for Indian housing. H.R. 1752 - “Expanding American Homeownership Act” - This bill would modernize the Federal Housing Administration (FHA), making the agency more efficient and competitive with the sub-prime industry. It will decrease premiums for borrowers, permit no-down payment loans, and increase access to homeownership. H.R. 1851 - "Section 8 Voucher Reform Act of 2007" - This bill would amend the housing choice voucher program under section 8 of the United States Housing Act of 1937. H.R. 1852 - “Expanding American Homeownership Act” - This bill would modernize the Federal Housing Administration (FHA), making the agency more efficient and competitive with the sub-prime industry. It will decrease premiums for borrowers, permit no-down payment loans, and increase access to homeownership. It also creates an Affordable Housing Fund from FHA proceeds. H.R. 1982 - “Rural Housing and Economic Development Improvement Act of 2007" - This bill would authorize the rural housing and economic development program of the Department of Housing and Urban Development. H.R. 2139 - “FHA Manufactured Housing Loan Modernization Act of 2007” - This bill would modernize the manufactured housing loan insurance program under title I of FHA. S. 947 - “21st Century Housing Act” - To allow FHA to hire off the GS scale, invest in updating information technology, increase FHA loans up to 50 years, allow FHA to provide flexible downpayments provide FHA with pilot program authority, increase the loan limits in high cost areas for FHA MULTI-family programs, increase the FHA single-family loan limits, increase the cap reserve which FHA must keep, and move the condo program in with other single family programs S. 1386 - "Homeownership Protection and Enhancement (HOPE) Act of 2007" - Expand access to foreclosure prevention services to all low- and moderate-income families and those who have experienced unexpected financial difficulties. Create an affirmative duty for lenders and servicers to engage in reasonable loss mitigation prior to foreclosure. Require notifications by lenders regarding availability of pre-purchase homeownership counseling, homeownership counseling, and services of State Homeownership Protection Centers. Appropriates money to reauthorize, enhance, and improve the Department of Housing and Urban Development’s housing counseling programs. H.R. 1723 - “Fair FHA Appraisal Act” - Would increase fines for those who would improperly influence appraisers in FHA transactions, established a blind draw selection system for FHA appraiser.
Clean Water Restoration Act of 2007
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
Wetlands Protection: H.R. 2421 - Clean Water Restoration Act of 2007
Clean Water Restoration Act of 2007
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
H.R. 913 - “Hurricane and Tornado Mitigation Investment Act of 2007” - Would allow individual and business taxpayers in 33 states a tax credit for 25% of their qualified hurricane and tornado mitigation property expenditures up to $5,000 for any taxable year. S. 930 - “Hurricane and Tornado Mitigation Investment Act of 2007” - Would provide a tax credit of up to 25% for mitigation expenditures. S. 931 - “National Hurricane Research Initiative of 2007” - Establishes a 10-year, $4.35 billion initiative, to research on hurricanes and hurricane damage. H.R. 2421 - To amend the Federal Water Pollution Control Act to clarify the jurisdiction of the United States over waters of the United States.
To provide for and approve the settlement of certain land claims of the Sault Ste. Marie Tribe of Chippewa Indians.
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
Private Property Rights: H.R. 3048 / S. 48 - Private Property Rights Protection Act of 2007 Eminent Domain: H.R 926 - STOPP Act of 2007 Brownfields Cleanup: H.R. 644 - Brownfields Redevelopment Enhancement Act of 2007 Cleanup and Registration of Meth Labs:S. 635 / H.R. 365 - The Methamphetamine Remediation Research Act of 2007
Homeowners' Insurance Availability Act of 2007
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
H.R. 1065 - “Nonadmitted and Reinsurance Reform Act of 2007” - To streamline the regulation of nonadmitted insurance and reinsurance, and for other purposes. H.R. 1081 - “Insurance Industry Competition Act of 2007” - To further competition in the insurance industry. S. 40 - "National Insurance Act of 2007" - A bill to authorize the issuance of Federal charters and licenses for carrying on the sale, solicitation, negotiation, and underwriting of insurance or any other insurance operations, to provide a comprehensive system for the Federal regulation and supervision of national insurers and national agencies, to provide for policyholder protections in the event of an insolvency or the impairment of a national insurer, and for other purposes. S. 618 - “Insurance Industry Competition Act of 2007” - A bill to further competition in the insurance industry. H.R. 1065 - “Nonadmitted and Reinsurance Reform Act of 2007” - Would streamline state laws regarding “surplus lines” of insurance. H.R. 164 - “Policyholder Disaster Protection Act of 2007” - Provides for the creation of disaster protection funds by property and casualty insurance companies for the payment of policyholders’ claims arising from future catastrophic events. H.R. 1682 - “The Flood Insurance Reform and Modernization Act of 2007” - To restore financial solvency of the national flood insurance program, and for other purposes. H.R. 330 - “Homeowners’ Insurance Availability Act of 2007” - Establishes a federal reinsurance program for disaster insurance H.R. 537/S. 292 - “Commission on Catastrophic Disaster Risk and Insurance Act of 2007” - "Establishes the bipartisan Commission on Catastrophic Disaster Risk and Insurance H.R. 91 - “Homeowners Insurance Protection Act of 2007” - Establishes a federal catastrophic reinsurance fund; establishes a commission to study disaster insurance issues; requires a study of the national flood insurance program (NFIP). H.R. 920 - “Multiperil Insurance Act of 2007” - Would amend the National Flood Insurance Program to allow homeowners to purchase windstorm coverage in addition to flood coverage. S. 926 - “Policyholder Disaster Protection Act of 2007” - Would allow tax-deferred reserves for insurance companies. S. 928 - “Homeowners Protection Act of 2007” - Would create a federal insurance backstop for state catastrophe funds. S. 929 - “Non-admitted and Reinsurance Act of 2007” - Would streamline the regulation of non-admitted insurance and reinsurance.
Emergency Home Ownership and Mortgage Equity Protection Act of 2007
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
Bankruptcy Reform: H.R. 3609 - Emergency Home Ownership & Mortgage Equity Protection Act of 2007 S. 2136 -Helping Families Save Their Homes in Bankruptcy Act of 2007 H.R. 3778 / S. 2133 - Home Owners Mortgage & Equity Savings Act (HOMES Act)
Methamphetamine Remediation Research Act of 2007
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
H.R. 365/S. 635 - The Methamphetamine Remediation Research Act of 2007 - Requires EPA (in consultation with NIST) to develop voluntary guidelines for the remediation of former meth labs. They should be designed to assist State and local governments in the development and the implementation of legislation and other policies to clean up meth labs. Also requires EPA to establish a research program on the chemicals used to create meth, a study (with the National Academy of Sciences) on the residual effects of meth labs, and a research program to develop meth detection technologies. H.R. 1227 - “Gulf Coast Hurricane Housing Recovery Act of 2007” - To assist in the provision of affordable housing to low-income families affected by Hurricane Katrina. The bill requires one-for-one replacement of public housing units lost in New Orleans, requires HUD to survey all public housing residents about their desire to return, and extends the disaster voucher program to January 2008. The bill also included a provision to reimburse landlords who housed evacuees for damages due to FEMA's failure to follow through with agreements they made under the city lease program. H.R. 1676 - “Native American Home Ownership Opportunity Act of 2007”- This bill would reauthorize the program of the Secretary of Housing and Urban Development for loan guarantees for Indian housing. H.R. 1752 - “Expanding American Homeownership Act” - This bill would modernize the Federal Housing Administration (FHA), making the agency more efficient and competitive with the sub-prime industry. It will decrease premiums for borrowers, permit no-down payment loans, and increase access to homeownership. H.R. 1851 - "Section 8 Voucher Reform Act of 2007" - This bill would amend the housing choice voucher program under section 8 of the United States Housing Act of 1937. H.R. 1852 - “Expanding American Homeownership Act” - This bill would modernize the Federal Housing Administration (FHA), making the agency more efficient and competitive with the sub-prime industry. It will decrease premiums for borrowers, permit no-down payment loans, and increase access to homeownership. It also creates an Affordable Housing Fund from FHA proceeds. H.R. 1982 - “Rural Housing and Economic Development Improvement Act of 2007" - This bill would authorize the rural housing and economic development program of the Department of Housing and Urban Development. H.R. 2139 - “FHA Manufactured Housing Loan Modernization Act of 2007” - This bill would modernize the manufactured housing loan insurance program under title I of FHA. S. 947 - “21st Century Housing Act” - To allow FHA to hire off the GS scale, invest in updating information technology, increase FHA loans up to 50 years, allow FHA to provide flexible downpayments provide FHA with pilot program authority, increase the loan limits in high cost areas for FHA MULTI-family programs, increase the FHA single-family loan limits, increase the cap reserve which FHA must keep, and move the condo program in with other single family programs S. 1386 - "Homeownership Protection and Enhancement (HOPE) Act of 2007" - Expand access to foreclosure prevention services to all low- and moderate-income families and those who have experienced unexpected financial difficulties. Create an affirmative duty for lenders and servicers to engage in reasonable loss mitigation prior to foreclosure. Require notifications by lenders regarding availability of pre-purchase homeownership counseling, homeownership counseling, and services of State Homeownership Protection Centers. Appropriates money to reauthorize, enhance, and improve the Department of Housing and Urban Development’s housing counseling programs. H.R. 1723 - “Fair FHA Appraisal Act” - Would increase fines for those who would improperly influence appraisers in FHA transactions, established a blind draw selection system for FHA appraiser.
Methamphetamine Remediation Research Act of 2007
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
Private Property Rights: H.R. 3048 / S. 48 - Private Property Rights Protection Act of 2007 Eminent Domain: H.R 926 - STOPP Act of 2007 Brownfields Cleanup: H.R. 644 - Brownfields Redevelopment Enhancement Act of 2007 Cleanup and Registration of Meth Labs:S. 635 / H.R. 365 - The Methamphetamine Remediation Research Act of 2007
Bankruptcy Reform: H.R. 3609 - Emergency Home Ownership & Mortgage Equity Protection Act of 2007 S. 2136 -Helping Families Save Their Homes in Bankruptcy Act of 2007 H.R. 3778 / S. 2133 - Home Owners Mortgage & Equity Savings Act (HOMES Act)
To amend the Truth in Lending Act to prohibit issuance of residential mortgages to any individual who lacks a Social Security account number.
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
H.R. 1427 - “Federal Housing Finance Reform Act of 2007” (GSE Reform) - Overhauls the regulatory oversight of the housing government-sponsored enterprises (GSEs) – Fannie Mae, Freddie Mac, and the Federal Home Loan Banks system (FHLBanks). H.R. 2061 - “Predatory Mortgage Lending Practices Act” - Makes it unlawful to intimidate or coerce a person conducting an appraisal for the purpose of causing the appraised value to be based on any other factors than the appraisers’ independent judgment. S. 1222 - “STOP FRAUD Act” - Develops a grant program within HUD targeted to state appraisal agencies to improve monitoring and enforcement of housing appraisal regulations. S. 1299 - “Borrowers Protection Act” - Requires appraisers to be bonded. Prohibits mortgage originators from influencing the appraisal process to meet a targeted value. H.R. 111/S. 413 - “Community Choice in Real Estate” - Prohibits financial holding companies and national banks from engaging, directly or indirectly, in real estate brokerage or real estate management activities. H.R. 836 - “Cyber Security Enhancement and Consumer Data Protection Act of 2007” - A bill to better assure cyber-security and for other purposes. H.R. 958 - “The Data Accountability and Trust Act” - Any business that houses personal information must implement specific security practices, including methods for dealing with disposal of "obsolete" information. Like many of past proposals, it would also mandate notification requirements in the event of a breach of personal data. S. 1178 - “Identity Theft Prevention Act” - A bill to strengthen data protection and safeguards, require data breach notification, and further prevent identity theft. S. 238 - “Social Security Number Misuse Prevention Act” - A bill to limit the misuse of Social Security numbers, to establish criminal penalties for such misuse, and for other purposes. S. 495 - “Personal Data Privacy and Security Act of 2007” - Prevent and mitigate identity theft, to ensure privacy, to provide notice of security breaches, and to enhance criminal penalties, law enforcement assistance, and other protections against security breaches, fraudulent access, and misuse of personally identifiable information; to the Committee on the Judiciary. H.R. 1537 - “Credit Union Regulatory Improvements Act of 2007” - Modernizes credit union net worth standards, advance credit union efforts to promote economic growth, and modify credit union regulatory standards and reduce burdens, and for other purposes. H.R. 480 - Amends the Truth in Lending Act (TILA) to prohibit a lender from making a mortgage loan to a borrower for the purchase of a principal residence if a borrower does not have a valid social security number. H.R. 698 - “Industrial Bank Holding Company Act of 2007” - Amends the Federal Deposit Insurance Act to close the ILC loophole. H.R. 2061 - “Predatory Mortgage Lending Practices Reduction Act” - Establishes federal certification of mortgage brokers and agents and stiffer penalties for violation of federal law. Sets up minimum standards as they relate to providing information to consumers as well as best practices for dispute/complaint resolution. Creates civil penalties for violations of federal law pertaining to predatory lending. S. 1299 - “Borrower’s Protection Act of 2007” - Establishes a fiduciary duty for mortgage brokers and other non-bank mortgage originators. Creates a faith and fair dealing standard for all originators. Requires originators to underwrite loans at the fully indexed rate. Requires originators to create escrow accounts to pay taxes and hazard insurance on subprime loans. Prohibits steering (i.e. brokers may not direct or counsel a consumer to rates, charges and principal amount or prepayment terms that are not appropriate or suitable for them). Holds lenders responsible for policing their associated appraisers and brokers. Prohibits originators from influencing appraisal process.
Commission on Catastrophic Disaster Risk and Insurance Act of 2007
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
H.R. 1065 - “Nonadmitted and Reinsurance Reform Act of 2007” - To streamline the regulation of nonadmitted insurance and reinsurance, and for other purposes. H.R. 1081 - “Insurance Industry Competition Act of 2007” - To further competition in the insurance industry. S. 40 - "National Insurance Act of 2007" - A bill to authorize the issuance of Federal charters and licenses for carrying on the sale, solicitation, negotiation, and underwriting of insurance or any other insurance operations, to provide a comprehensive system for the Federal regulation and supervision of national insurers and national agencies, to provide for policyholder protections in the event of an insolvency or the impairment of a national insurer, and for other purposes. S. 618 - “Insurance Industry Competition Act of 2007” - A bill to further competition in the insurance industry. H.R. 1065 - “Nonadmitted and Reinsurance Reform Act of 2007” - Would streamline state laws regarding “surplus lines” of insurance. H.R. 164 - “Policyholder Disaster Protection Act of 2007” - Provides for the creation of disaster protection funds by property and casualty insurance companies for the payment of policyholders’ claims arising from future catastrophic events. H.R. 1682 - “The Flood Insurance Reform and Modernization Act of 2007” - To restore financial solvency of the national flood insurance program, and for other purposes. H.R. 330 - “Homeowners’ Insurance Availability Act of 2007” - Establishes a federal reinsurance program for disaster insurance H.R. 537/S. 292 - “Commission on Catastrophic Disaster Risk and Insurance Act of 2007” - "Establishes the bipartisan Commission on Catastrophic Disaster Risk and Insurance H.R. 91 - “Homeowners Insurance Protection Act of 2007” - Establishes a federal catastrophic reinsurance fund; establishes a commission to study disaster insurance issues; requires a study of the national flood insurance program (NFIP). H.R. 920 - “Multiperil Insurance Act of 2007” - Would amend the National Flood Insurance Program to allow homeowners to purchase windstorm coverage in addition to flood coverage. S. 926 - “Policyholder Disaster Protection Act of 2007” - Would allow tax-deferred reserves for insurance companies. S. 928 - “Homeowners Protection Act of 2007” - Would create a federal insurance backstop for state catastrophe funds. S. 929 - “Non-admitted and Reinsurance Act of 2007” - Would streamline the regulation of non-admitted insurance and reinsurance.
Brownfields Redevelopment Enhancement Act
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
Private Property Rights: H.R. 3048 / S. 48 - Private Property Rights Protection Act of 2007 Eminent Domain: H.R 926 - STOPP Act of 2007 Brownfields Cleanup: H.R. 644 - Brownfields Redevelopment Enhancement Act of 2007 Cleanup and Registration of Meth Labs:S. 635 / H.R. 365 - The Methamphetamine Remediation Research Act of 2007
Industrial Bank Holding Company Act of 2007
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
H.R. 1427 - “Federal Housing Finance Reform Act of 2007” (GSE Reform) - Overhauls the regulatory oversight of the housing government-sponsored enterprises (GSEs) – Fannie Mae, Freddie Mac, and the Federal Home Loan Banks system (FHLBanks). H.R. 2061 - “Predatory Mortgage Lending Practices Act” - Makes it unlawful to intimidate or coerce a person conducting an appraisal for the purpose of causing the appraised value to be based on any other factors than the appraisers’ independent judgment. S. 1222 - “STOP FRAUD Act” - Develops a grant program within HUD targeted to state appraisal agencies to improve monitoring and enforcement of housing appraisal regulations. S. 1299 - “Borrowers Protection Act” - Requires appraisers to be bonded. Prohibits mortgage originators from influencing the appraisal process to meet a targeted value. H.R. 111/S. 413 - “Community Choice in Real Estate” - Prohibits financial holding companies and national banks from engaging, directly or indirectly, in real estate brokerage or real estate management activities. H.R. 836 - “Cyber Security Enhancement and Consumer Data Protection Act of 2007” - A bill to better assure cyber-security and for other purposes. H.R. 958 - “The Data Accountability and Trust Act” - Any business that houses personal information must implement specific security practices, including methods for dealing with disposal of "obsolete" information. Like many of past proposals, it would also mandate notification requirements in the event of a breach of personal data. S. 1178 - “Identity Theft Prevention Act” - A bill to strengthen data protection and safeguards, require data breach notification, and further prevent identity theft. S. 238 - “Social Security Number Misuse Prevention Act” - A bill to limit the misuse of Social Security numbers, to establish criminal penalties for such misuse, and for other purposes. S. 495 - “Personal Data Privacy and Security Act of 2007” - Prevent and mitigate identity theft, to ensure privacy, to provide notice of security breaches, and to enhance criminal penalties, law enforcement assistance, and other protections against security breaches, fraudulent access, and misuse of personally identifiable information; to the Committee on the Judiciary. H.R. 1537 - “Credit Union Regulatory Improvements Act of 2007” - Modernizes credit union net worth standards, advance credit union efforts to promote economic growth, and modify credit union regulatory standards and reduce burdens, and for other purposes. H.R. 480 - Amends the Truth in Lending Act (TILA) to prohibit a lender from making a mortgage loan to a borrower for the purchase of a principal residence if a borrower does not have a valid social security number. H.R. 698 - “Industrial Bank Holding Company Act of 2007” - Amends the Federal Deposit Insurance Act to close the ILC loophole. H.R. 2061 - “Predatory Mortgage Lending Practices Reduction Act” - Establishes federal certification of mortgage brokers and agents and stiffer penalties for violation of federal law. Sets up minimum standards as they relate to providing information to consumers as well as best practices for dispute/complaint resolution. Creates civil penalties for violations of federal law pertaining to predatory lending. S. 1299 - “Borrower’s Protection Act of 2007” - Establishes a fiduciary duty for mortgage brokers and other non-bank mortgage originators. Creates a faith and fair dealing standard for all originators. Requires originators to underwrite loans at the fully indexed rate. Requires originators to create escrow accounts to pay taxes and hazard insurance on subprime loans. Prohibits steering (i.e. brokers may not direct or counsel a consumer to rates, charges and principal amount or prepayment terms that are not appropriate or suitable for them). Holds lenders responsible for policing their associated appraisers and brokers. Prohibits originators from influencing appraisal process.
Industrial Bank Holding Company Act of 2007
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
FDIC ILC Moratorium: H.R. 698/S. 1356 -Industrial Bank Holding Company Act of 2007 Credit Union Reform: H.R. 1537- Credit Union Regulatory Improvements Act of 2007
Cyber-Security Enhancement and Consumer Data Protection Act of 2007
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
H.R. 1427 - “Federal Housing Finance Reform Act of 2007” (GSE Reform) - Overhauls the regulatory oversight of the housing government-sponsored enterprises (GSEs) – Fannie Mae, Freddie Mac, and the Federal Home Loan Banks system (FHLBanks). H.R. 2061 - “Predatory Mortgage Lending Practices Act” - Makes it unlawful to intimidate or coerce a person conducting an appraisal for the purpose of causing the appraised value to be based on any other factors than the appraisers’ independent judgment. S. 1222 - “STOP FRAUD Act” - Develops a grant program within HUD targeted to state appraisal agencies to improve monitoring and enforcement of housing appraisal regulations. S. 1299 - “Borrowers Protection Act” - Requires appraisers to be bonded. Prohibits mortgage originators from influencing the appraisal process to meet a targeted value. H.R. 111/S. 413 - “Community Choice in Real Estate” - Prohibits financial holding companies and national banks from engaging, directly or indirectly, in real estate brokerage or real estate management activities. H.R. 836 - “Cyber Security Enhancement and Consumer Data Protection Act of 2007” - A bill to better assure cyber-security and for other purposes. H.R. 958 - “The Data Accountability and Trust Act” - Any business that houses personal information must implement specific security practices, including methods for dealing with disposal of "obsolete" information. Like many of past proposals, it would also mandate notification requirements in the event of a breach of personal data. S. 1178 - “Identity Theft Prevention Act” - A bill to strengthen data protection and safeguards, require data breach notification, and further prevent identity theft. S. 238 - “Social Security Number Misuse Prevention Act” - A bill to limit the misuse of Social Security numbers, to establish criminal penalties for such misuse, and for other purposes. S. 495 - “Personal Data Privacy and Security Act of 2007” - Prevent and mitigate identity theft, to ensure privacy, to provide notice of security breaches, and to enhance criminal penalties, law enforcement assistance, and other protections against security breaches, fraudulent access, and misuse of personally identifiable information; to the Committee on the Judiciary. H.R. 1537 - “Credit Union Regulatory Improvements Act of 2007” - Modernizes credit union net worth standards, advance credit union efforts to promote economic growth, and modify credit union regulatory standards and reduce burdens, and for other purposes. H.R. 480 - Amends the Truth in Lending Act (TILA) to prohibit a lender from making a mortgage loan to a borrower for the purchase of a principal residence if a borrower does not have a valid social security number. H.R. 698 - “Industrial Bank Holding Company Act of 2007” - Amends the Federal Deposit Insurance Act to close the ILC loophole. H.R. 2061 - “Predatory Mortgage Lending Practices Reduction Act” - Establishes federal certification of mortgage brokers and agents and stiffer penalties for violation of federal law. Sets up minimum standards as they relate to providing information to consumers as well as best practices for dispute/complaint resolution. Creates civil penalties for violations of federal law pertaining to predatory lending. S. 1299 - “Borrower’s Protection Act of 2007” - Establishes a fiduciary duty for mortgage brokers and other non-bank mortgage originators. Creates a faith and fair dealing standard for all originators. Requires originators to underwrite loans at the fully indexed rate. Requires originators to create escrow accounts to pay taxes and hazard insurance on subprime loans. Prohibits steering (i.e. brokers may not direct or counsel a consumer to rates, charges and principal amount or prepayment terms that are not appropriate or suitable for them). Holds lenders responsible for policing their associated appraisers and brokers. Prohibits originators from influencing appraisal process.
Wellness and Prevention Act of 2007
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
H.R. 676 - “United States Health Insurance Act (or the Expanded and Improved Medical for All Act)” - To provide for comprehensive health insurance coverage for all United States residents, and for other purposes. H.R. 853 - “Wellness and Prevention Act of 2007” - To promote preventative health care for Americans. S. 158 - “Access to Affordable Health Care Act” - A bill to expand access to affordable health care and to strengthen the health care safety net and make health care services more available in rural and underserved areas. S. 334 - “Healthy Americans Act” - A bill to provide affordable, guaranteed private health coverage that will make Americans healthier and can never be taken away. S. 685 - “Reform Health Care Now Act” - A bill to establish an expedited procedure for congressional consideration of health care reform legislation. S. 733 - “Promoting Health Care Purchasing Cooperatives Act” - A bill to promote the development of health care cooperatives that will help businesses to pool the health care purchasing power of employers, and for other purposes. H.R. 241 - To amend title I of the Employee Retirement Income Security Act of 1974 to improve access and choice for entrepreneurs with small businesses with respect to medical care for their employees.” H.R. 1200 - “American Health Security Act of 2007” - To provide for health care for every American and to control the cost and enhance the quality of the health care system.
Homeowners Insurance Protection Act of 2007
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
H.R. 1065 - “Nonadmitted and Reinsurance Reform Act of 2007” - To streamline the regulation of nonadmitted insurance and reinsurance, and for other purposes. H.R. 1081 - “Insurance Industry Competition Act of 2007” - To further competition in the insurance industry. S. 40 - "National Insurance Act of 2007" - A bill to authorize the issuance of Federal charters and licenses for carrying on the sale, solicitation, negotiation, and underwriting of insurance or any other insurance operations, to provide a comprehensive system for the Federal regulation and supervision of national insurers and national agencies, to provide for policyholder protections in the event of an insolvency or the impairment of a national insurer, and for other purposes. S. 618 - “Insurance Industry Competition Act of 2007” - A bill to further competition in the insurance industry. H.R. 1065 - “Nonadmitted and Reinsurance Reform Act of 2007” - Would streamline state laws regarding “surplus lines” of insurance. H.R. 164 - “Policyholder Disaster Protection Act of 2007” - Provides for the creation of disaster protection funds by property and casualty insurance companies for the payment of policyholders’ claims arising from future catastrophic events. H.R. 1682 - “The Flood Insurance Reform and Modernization Act of 2007” - To restore financial solvency of the national flood insurance program, and for other purposes. H.R. 330 - “Homeowners’ Insurance Availability Act of 2007” - Establishes a federal reinsurance program for disaster insurance H.R. 537/S. 292 - “Commission on Catastrophic Disaster Risk and Insurance Act of 2007” - "Establishes the bipartisan Commission on Catastrophic Disaster Risk and Insurance H.R. 91 - “Homeowners Insurance Protection Act of 2007” - Establishes a federal catastrophic reinsurance fund; establishes a commission to study disaster insurance issues; requires a study of the national flood insurance program (NFIP). H.R. 920 - “Multiperil Insurance Act of 2007” - Would amend the National Flood Insurance Program to allow homeowners to purchase windstorm coverage in addition to flood coverage. S. 926 - “Policyholder Disaster Protection Act of 2007” - Would allow tax-deferred reserves for insurance companies. S. 928 - “Homeowners Protection Act of 2007” - Would create a federal insurance backstop for state catastrophe funds. S. 929 - “Non-admitted and Reinsurance Act of 2007” - Would streamline the regulation of non-admitted insurance and reinsurance.
Hurricane and Tornado Mitigation Investment Act of 2007
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
H.R. 913 - “Hurricane and Tornado Mitigation Investment Act of 2007” - Would allow individual and business taxpayers in 33 states a tax credit for 25% of their qualified hurricane and tornado mitigation property expenditures up to $5,000 for any taxable year. S. 930 - “Hurricane and Tornado Mitigation Investment Act of 2007” - Would provide a tax credit of up to 25% for mitigation expenditures. S. 931 - “National Hurricane Research Initiative of 2007” - Establishes a 10-year, $4.35 billion initiative, to research on hurricanes and hurricane damage. H.R. 2421 - To amend the Federal Water Pollution Control Act to clarify the jurisdiction of the United States over waters of the United States.
Hurricane and Tornado Mitigation Investment Act of 2007
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
Disaster Mitigation: H.R. 913 - Hurricane & Tornado Mitigation Investment Act of 2007 S. 930 - Hurricane & Tornado Mitigation Investment Act of 2007 S. 2328 - Property Mitigation Assistance Act of 2007
Tax Equity and Affordability Act of 2007
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
H.R. 1876 - “Mortgage Cancellation Relief Act” - To amend the Internal Revenue Code of 1986 to exclude from gross income of individual taxpayers discharges of indebtedness attributable to certain forgiven residential mortgage obligations. H.R. 2014 - "Leasehold Improvement Depreciation Act of 2007" - To amend the Internal Revenue Code of 1986 to permanently extend the 15-year recovery period for the depreciation of certain leasehold improvements and to modify the depreciation rules relating to such leasehold improvements for purposes of computing earnings and profits. H.R. 914 - “Tax Equity and Affordability Act of 2007”- Amend the Internal Revenue Code of 1986 to allow individuals a refundable credit against income tax for the purchase of private health insurance, and for other purposes; to the Committee on Ways and Means. H.R. 976 - “Small Business Tax Relief Act of 2007” - To amend the Internal Revenue Code of 1986 to provide tax relief for small businesses, and for other purposes. A companion bill to the tax title of H.R. 2. Contains increased small business expensing (from $100,000 to $125,000) effective through 2010. S. 55 - “Individual Alternative Minimum Tax Repeal Act of 2007” - A bill to amend the Internal Revenue Code of 1986 to repeal the alternative minimum tax on individuals. H.R. 1562 - “Katrina Housing Relief Act of 2007” - Extends the Hurricane Katrina tax relief provisions related to the low-income housing tax credit and expands tax-exempt bond authority available to jurisdictions in Louisiana, Mississippi and Alabama. H.R. 1787/S. 927 - “Catastrophe Savings Accounts Act of 2007” - Would allow individuals to set up catastrophe savings accounts (similar to health savings accounts) to pay for losses resulting from catastrophic events. H.R. 1366 - “Individual AMT Repeal Act of 2007” - To amend the Internal Revenue Code of 1986 to repeal the alternative minimum tax on individuals. H.R. 1753 - To amend the Internal Revenue Code of 1986 to make the expensing of environmental remediation costs permanent law and to repeal the recapture of such expenses under section 1245 of such Code.
Multiple Peril Insurance Act of 2007
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
H.R. 1065 - “Nonadmitted and Reinsurance Reform Act of 2007” - To streamline the regulation of nonadmitted insurance and reinsurance, and for other purposes. H.R. 1081 - “Insurance Industry Competition Act of 2007” - To further competition in the insurance industry. S. 40 - "National Insurance Act of 2007" - A bill to authorize the issuance of Federal charters and licenses for carrying on the sale, solicitation, negotiation, and underwriting of insurance or any other insurance operations, to provide a comprehensive system for the Federal regulation and supervision of national insurers and national agencies, to provide for policyholder protections in the event of an insolvency or the impairment of a national insurer, and for other purposes. S. 618 - “Insurance Industry Competition Act of 2007” - A bill to further competition in the insurance industry. H.R. 1065 - “Nonadmitted and Reinsurance Reform Act of 2007” - Would streamline state laws regarding “surplus lines” of insurance. H.R. 164 - “Policyholder Disaster Protection Act of 2007” - Provides for the creation of disaster protection funds by property and casualty insurance companies for the payment of policyholders’ claims arising from future catastrophic events. H.R. 1682 - “The Flood Insurance Reform and Modernization Act of 2007” - To restore financial solvency of the national flood insurance program, and for other purposes. H.R. 330 - “Homeowners’ Insurance Availability Act of 2007” - Establishes a federal reinsurance program for disaster insurance H.R. 537/S. 292 - “Commission on Catastrophic Disaster Risk and Insurance Act of 2007” - "Establishes the bipartisan Commission on Catastrophic Disaster Risk and Insurance H.R. 91 - “Homeowners Insurance Protection Act of 2007” - Establishes a federal catastrophic reinsurance fund; establishes a commission to study disaster insurance issues; requires a study of the national flood insurance program (NFIP). H.R. 920 - “Multiperil Insurance Act of 2007” - Would amend the National Flood Insurance Program to allow homeowners to purchase windstorm coverage in addition to flood coverage. S. 926 - “Policyholder Disaster Protection Act of 2007” - Would allow tax-deferred reserves for insurance companies. S. 928 - “Homeowners Protection Act of 2007” - Would create a federal insurance backstop for state catastrophe funds. S. 929 - “Non-admitted and Reinsurance Act of 2007” - Would streamline the regulation of non-admitted insurance and reinsurance.
STOPP Act of 2007
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
S. 48 - Private Property Rights Protection Act - A bill to return meaning to the Fifth Amendment by limiting the power of eminent domain. H.R. 926 - “STOPP Act of 2007” - To prohibit the provision of Federal economic development assistance for any State or locality that uses the power of eminent domain power to obtain property for private commercial development or that fails to pay relocation costs to persons displaced by use of the power of eminent domain for economic development purposes.
STOPP Act of 2007
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
Private Property Rights: H.R. 3048 / S. 48 - Private Property Rights Protection Act of 2007 Eminent Domain: H.R 926 - STOPP Act of 2007 Brownfields Cleanup: H.R. 644 - Brownfields Redevelopment Enhancement Act of 2007 Cleanup and Registration of Meth Labs:S. 635 / H.R. 365 - The Methamphetamine Remediation Research Act of 2007
America's Domestic Fuels Act
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
Comprehensive National Disaster Policy: H.R. 931 - National Hurricane Research Initiative of 2007 Climate Change: S. 2191 - America's Climate Security Act of 2007
Data Accountability and Trust Act
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
H.R. 1427 - “Federal Housing Finance Reform Act of 2007” (GSE Reform) - Overhauls the regulatory oversight of the housing government-sponsored enterprises (GSEs) – Fannie Mae, Freddie Mac, and the Federal Home Loan Banks system (FHLBanks). H.R. 2061 - “Predatory Mortgage Lending Practices Act” - Makes it unlawful to intimidate or coerce a person conducting an appraisal for the purpose of causing the appraised value to be based on any other factors than the appraisers’ independent judgment. S. 1222 - “STOP FRAUD Act” - Develops a grant program within HUD targeted to state appraisal agencies to improve monitoring and enforcement of housing appraisal regulations. S. 1299 - “Borrowers Protection Act” - Requires appraisers to be bonded. Prohibits mortgage originators from influencing the appraisal process to meet a targeted value. H.R. 111/S. 413 - “Community Choice in Real Estate” - Prohibits financial holding companies and national banks from engaging, directly or indirectly, in real estate brokerage or real estate management activities. H.R. 836 - “Cyber Security Enhancement and Consumer Data Protection Act of 2007” - A bill to better assure cyber-security and for other purposes. H.R. 958 - “The Data Accountability and Trust Act” - Any business that houses personal information must implement specific security practices, including methods for dealing with disposal of "obsolete" information. Like many of past proposals, it would also mandate notification requirements in the event of a breach of personal data. S. 1178 - “Identity Theft Prevention Act” - A bill to strengthen data protection and safeguards, require data breach notification, and further prevent identity theft. S. 238 - “Social Security Number Misuse Prevention Act” - A bill to limit the misuse of Social Security numbers, to establish criminal penalties for such misuse, and for other purposes. S. 495 - “Personal Data Privacy and Security Act of 2007” - Prevent and mitigate identity theft, to ensure privacy, to provide notice of security breaches, and to enhance criminal penalties, law enforcement assistance, and other protections against security breaches, fraudulent access, and misuse of personally identifiable information; to the Committee on the Judiciary. H.R. 1537 - “Credit Union Regulatory Improvements Act of 2007” - Modernizes credit union net worth standards, advance credit union efforts to promote economic growth, and modify credit union regulatory standards and reduce burdens, and for other purposes. H.R. 480 - Amends the Truth in Lending Act (TILA) to prohibit a lender from making a mortgage loan to a borrower for the purchase of a principal residence if a borrower does not have a valid social security number. H.R. 698 - “Industrial Bank Holding Company Act of 2007” - Amends the Federal Deposit Insurance Act to close the ILC loophole. H.R. 2061 - “Predatory Mortgage Lending Practices Reduction Act” - Establishes federal certification of mortgage brokers and agents and stiffer penalties for violation of federal law. Sets up minimum standards as they relate to providing information to consumers as well as best practices for dispute/complaint resolution. Creates civil penalties for violations of federal law pertaining to predatory lending. S. 1299 - “Borrower’s Protection Act of 2007” - Establishes a fiduciary duty for mortgage brokers and other non-bank mortgage originators. Creates a faith and fair dealing standard for all originators. Requires originators to underwrite loans at the fully indexed rate. Requires originators to create escrow accounts to pay taxes and hazard insurance on subprime loans. Prohibits steering (i.e. brokers may not direct or counsel a consumer to rates, charges and principal amount or prepayment terms that are not appropriate or suitable for them). Holds lenders responsible for policing their associated appraisers and brokers. Prohibits originators from influencing appraisal process.
Patent Reform Act of 2007
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
H.R. 1908/S. 1145 - “Patent Reform Act of 2007 - To amend title 35, United States Code, to provide for patent reform. H.R. 1306/S. 749 - “A bill to modify the prohibition on recognition by United States courts of certain rights relating to certain marks, trade names, or commercial names.”
Patent Reform Act of 2007
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
Patent Reform: S.1145 / H.R. 1908 - Patent Reform Act of 2007 S. 749 / H.R. 1306 - To modify the prohibition on recognition by United States courts of certain rights relating to certain marks, trade names, or commercial names.
Identity Theft Prevention Act
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
Identity Theft Prevention: S. 1178 - Identity Theft Prevention Act S. 238 -Social Security Number Misuse Prevention Act
Identity Theft Prevention Act
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
H.R. 1427 - “Federal Housing Finance Reform Act of 2007” (GSE Reform) - Overhauls the regulatory oversight of the housing government-sponsored enterprises (GSEs) – Fannie Mae, Freddie Mac, and the Federal Home Loan Banks system (FHLBanks). H.R. 2061 - “Predatory Mortgage Lending Practices Act” - Makes it unlawful to intimidate or coerce a person conducting an appraisal for the purpose of causing the appraised value to be based on any other factors than the appraisers’ independent judgment. S. 1222 - “STOP FRAUD Act” - Develops a grant program within HUD targeted to state appraisal agencies to improve monitoring and enforcement of housing appraisal regulations. S. 1299 - “Borrowers Protection Act” - Requires appraisers to be bonded. Prohibits mortgage originators from influencing the appraisal process to meet a targeted value. H.R. 111/S. 413 - “Community Choice in Real Estate” - Prohibits financial holding companies and national banks from engaging, directly or indirectly, in real estate brokerage or real estate management activities. H.R. 836 - “Cyber Security Enhancement and Consumer Data Protection Act of 2007” - A bill to better assure cyber-security and for other purposes. H.R. 958 - “The Data Accountability and Trust Act” - Any business that houses personal information must implement specific security practices, including methods for dealing with disposal of "obsolete" information. Like many of past proposals, it would also mandate notification requirements in the event of a breach of personal data. S. 1178 - “Identity Theft Prevention Act” - A bill to strengthen data protection and safeguards, require data breach notification, and further prevent identity theft. S. 238 - “Social Security Number Misuse Prevention Act” - A bill to limit the misuse of Social Security numbers, to establish criminal penalties for such misuse, and for other purposes. S. 495 - “Personal Data Privacy and Security Act of 2007” - Prevent and mitigate identity theft, to ensure privacy, to provide notice of security breaches, and to enhance criminal penalties, law enforcement assistance, and other protections against security breaches, fraudulent access, and misuse of personally identifiable information; to the Committee on the Judiciary. H.R. 1537 - “Credit Union Regulatory Improvements Act of 2007” - Modernizes credit union net worth standards, advance credit union efforts to promote economic growth, and modify credit union regulatory standards and reduce burdens, and for other purposes. H.R. 480 - Amends the Truth in Lending Act (TILA) to prohibit a lender from making a mortgage loan to a borrower for the purchase of a principal residence if a borrower does not have a valid social security number. H.R. 698 - “Industrial Bank Holding Company Act of 2007” - Amends the Federal Deposit Insurance Act to close the ILC loophole. H.R. 2061 - “Predatory Mortgage Lending Practices Reduction Act” - Establishes federal certification of mortgage brokers and agents and stiffer penalties for violation of federal law. Sets up minimum standards as they relate to providing information to consumers as well as best practices for dispute/complaint resolution. Creates civil penalties for violations of federal law pertaining to predatory lending. S. 1299 - “Borrower’s Protection Act of 2007” - Establishes a fiduciary duty for mortgage brokers and other non-bank mortgage originators. Creates a faith and fair dealing standard for all originators. Requires originators to underwrite loans at the fully indexed rate. Requires originators to create escrow accounts to pay taxes and hazard insurance on subprime loans. Prohibits steering (i.e. brokers may not direct or counsel a consumer to rates, charges and principal amount or prepayment terms that are not appropriate or suitable for them). Holds lenders responsible for policing their associated appraisers and brokers. Prohibits originators from influencing appraisal process.
Stopping Mortgage Transactions which Operate to Promote Fraud, Risk, Abuse, and Underdevelopment Act
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
H.R. 1427 - “Federal Housing Finance Reform Act of 2007” (GSE Reform) - Overhauls the regulatory oversight of the housing government-sponsored enterprises (GSEs) – Fannie Mae, Freddie Mac, and the Federal Home Loan Banks system (FHLBanks). H.R. 2061 - “Predatory Mortgage Lending Practices Act” - Makes it unlawful to intimidate or coerce a person conducting an appraisal for the purpose of causing the appraised value to be based on any other factors than the appraisers’ independent judgment. S. 1222 - “STOP FRAUD Act” - Develops a grant program within HUD targeted to state appraisal agencies to improve monitoring and enforcement of housing appraisal regulations. S. 1299 - “Borrowers Protection Act” - Requires appraisers to be bonded. Prohibits mortgage originators from influencing the appraisal process to meet a targeted value. H.R. 111/S. 413 - “Community Choice in Real Estate” - Prohibits financial holding companies and national banks from engaging, directly or indirectly, in real estate brokerage or real estate management activities. H.R. 836 - “Cyber Security Enhancement and Consumer Data Protection Act of 2007” - A bill to better assure cyber-security and for other purposes. H.R. 958 - “The Data Accountability and Trust Act” - Any business that houses personal information must implement specific security practices, including methods for dealing with disposal of "obsolete" information. Like many of past proposals, it would also mandate notification requirements in the event of a breach of personal data. S. 1178 - “Identity Theft Prevention Act” - A bill to strengthen data protection and safeguards, require data breach notification, and further prevent identity theft. S. 238 - “Social Security Number Misuse Prevention Act” - A bill to limit the misuse of Social Security numbers, to establish criminal penalties for such misuse, and for other purposes. S. 495 - “Personal Data Privacy and Security Act of 2007” - Prevent and mitigate identity theft, to ensure privacy, to provide notice of security breaches, and to enhance criminal penalties, law enforcement assistance, and other protections against security breaches, fraudulent access, and misuse of personally identifiable information; to the Committee on the Judiciary. H.R. 1537 - “Credit Union Regulatory Improvements Act of 2007” - Modernizes credit union net worth standards, advance credit union efforts to promote economic growth, and modify credit union regulatory standards and reduce burdens, and for other purposes. H.R. 480 - Amends the Truth in Lending Act (TILA) to prohibit a lender from making a mortgage loan to a borrower for the purchase of a principal residence if a borrower does not have a valid social security number. H.R. 698 - “Industrial Bank Holding Company Act of 2007” - Amends the Federal Deposit Insurance Act to close the ILC loophole. H.R. 2061 - “Predatory Mortgage Lending Practices Reduction Act” - Establishes federal certification of mortgage brokers and agents and stiffer penalties for violation of federal law. Sets up minimum standards as they relate to providing information to consumers as well as best practices for dispute/complaint resolution. Creates civil penalties for violations of federal law pertaining to predatory lending. S. 1299 - “Borrower’s Protection Act of 2007” - Establishes a fiduciary duty for mortgage brokers and other non-bank mortgage originators. Creates a faith and fair dealing standard for all originators. Requires originators to underwrite loans at the fully indexed rate. Requires originators to create escrow accounts to pay taxes and hazard insurance on subprime loans. Prohibits steering (i.e. brokers may not direct or counsel a consumer to rates, charges and principal amount or prepayment terms that are not appropriate or suitable for them). Holds lenders responsible for policing their associated appraisers and brokers. Prohibits originators from influencing appraisal process.
Borrower's Protection Act of 2007
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
H.R. 1427 - “Federal Housing Finance Reform Act of 2007” (GSE Reform) - Overhauls the regulatory oversight of the housing government-sponsored enterprises (GSEs) – Fannie Mae, Freddie Mac, and the Federal Home Loan Banks system (FHLBanks). H.R. 2061 - “Predatory Mortgage Lending Practices Act” - Makes it unlawful to intimidate or coerce a person conducting an appraisal for the purpose of causing the appraised value to be based on any other factors than the appraisers’ independent judgment. S. 1222 - “STOP FRAUD Act” - Develops a grant program within HUD targeted to state appraisal agencies to improve monitoring and enforcement of housing appraisal regulations. S. 1299 - “Borrowers Protection Act” - Requires appraisers to be bonded. Prohibits mortgage originators from influencing the appraisal process to meet a targeted value. H.R. 111/S. 413 - “Community Choice in Real Estate” - Prohibits financial holding companies and national banks from engaging, directly or indirectly, in real estate brokerage or real estate management activities. H.R. 836 - “Cyber Security Enhancement and Consumer Data Protection Act of 2007” - A bill to better assure cyber-security and for other purposes. H.R. 958 - “The Data Accountability and Trust Act” - Any business that houses personal information must implement specific security practices, including methods for dealing with disposal of "obsolete" information. Like many of past proposals, it would also mandate notification requirements in the event of a breach of personal data. S. 1178 - “Identity Theft Prevention Act” - A bill to strengthen data protection and safeguards, require data breach notification, and further prevent identity theft. S. 238 - “Social Security Number Misuse Prevention Act” - A bill to limit the misuse of Social Security numbers, to establish criminal penalties for such misuse, and for other purposes. S. 495 - “Personal Data Privacy and Security Act of 2007” - Prevent and mitigate identity theft, to ensure privacy, to provide notice of security breaches, and to enhance criminal penalties, law enforcement assistance, and other protections against security breaches, fraudulent access, and misuse of personally identifiable information; to the Committee on the Judiciary. H.R. 1537 - “Credit Union Regulatory Improvements Act of 2007” - Modernizes credit union net worth standards, advance credit union efforts to promote economic growth, and modify credit union regulatory standards and reduce burdens, and for other purposes. H.R. 480 - Amends the Truth in Lending Act (TILA) to prohibit a lender from making a mortgage loan to a borrower for the purchase of a principal residence if a borrower does not have a valid social security number. H.R. 698 - “Industrial Bank Holding Company Act of 2007” - Amends the Federal Deposit Insurance Act to close the ILC loophole. H.R. 2061 - “Predatory Mortgage Lending Practices Reduction Act” - Establishes federal certification of mortgage brokers and agents and stiffer penalties for violation of federal law. Sets up minimum standards as they relate to providing information to consumers as well as best practices for dispute/complaint resolution. Creates civil penalties for violations of federal law pertaining to predatory lending. S. 1299 - “Borrower’s Protection Act of 2007” - Establishes a fiduciary duty for mortgage brokers and other non-bank mortgage originators. Creates a faith and fair dealing standard for all originators. Requires originators to underwrite loans at the fully indexed rate. Requires originators to create escrow accounts to pay taxes and hazard insurance on subprime loans. Prohibits steering (i.e. brokers may not direct or counsel a consumer to rates, charges and principal amount or prepayment terms that are not appropriate or suitable for them). Holds lenders responsible for policing their associated appraisers and brokers. Prohibits originators from influencing appraisal process.
Industrial Bank Holding Company Act of 2007
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
FDIC ILC Moratorium: H.R. 698/S. 1356 -Industrial Bank Holding Company Act of 2007 Credit Union Reform: H.R. 1537- Credit Union Regulatory Improvements Act of 2007
Homeownership Protection and Enhancement Act of 2007
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
H.R. 365/S. 635 - The Methamphetamine Remediation Research Act of 2007 - Requires EPA (in consultation with NIST) to develop voluntary guidelines for the remediation of former meth labs. They should be designed to assist State and local governments in the development and the implementation of legislation and other policies to clean up meth labs. Also requires EPA to establish a research program on the chemicals used to create meth, a study (with the National Academy of Sciences) on the residual effects of meth labs, and a research program to develop meth detection technologies. H.R. 1227 - “Gulf Coast Hurricane Housing Recovery Act of 2007” - To assist in the provision of affordable housing to low-income families affected by Hurricane Katrina. The bill requires one-for-one replacement of public housing units lost in New Orleans, requires HUD to survey all public housing residents about their desire to return, and extends the disaster voucher program to January 2008. The bill also included a provision to reimburse landlords who housed evacuees for damages due to FEMA's failure to follow through with agreements they made under the city lease program. H.R. 1676 - “Native American Home Ownership Opportunity Act of 2007”- This bill would reauthorize the program of the Secretary of Housing and Urban Development for loan guarantees for Indian housing. H.R. 1752 - “Expanding American Homeownership Act” - This bill would modernize the Federal Housing Administration (FHA), making the agency more efficient and competitive with the sub-prime industry. It will decrease premiums for borrowers, permit no-down payment loans, and increase access to homeownership. H.R. 1851 - "Section 8 Voucher Reform Act of 2007" - This bill would amend the housing choice voucher program under section 8 of the United States Housing Act of 1937. H.R. 1852 - “Expanding American Homeownership Act” - This bill would modernize the Federal Housing Administration (FHA), making the agency more efficient and competitive with the sub-prime industry. It will decrease premiums for borrowers, permit no-down payment loans, and increase access to homeownership. It also creates an Affordable Housing Fund from FHA proceeds. H.R. 1982 - “Rural Housing and Economic Development Improvement Act of 2007" - This bill would authorize the rural housing and economic development program of the Department of Housing and Urban Development. H.R. 2139 - “FHA Manufactured Housing Loan Modernization Act of 2007” - This bill would modernize the manufactured housing loan insurance program under title I of FHA. S. 947 - “21st Century Housing Act” - To allow FHA to hire off the GS scale, invest in updating information technology, increase FHA loans up to 50 years, allow FHA to provide flexible downpayments provide FHA with pilot program authority, increase the loan limits in high cost areas for FHA MULTI-family programs, increase the FHA single-family loan limits, increase the cap reserve which FHA must keep, and move the condo program in with other single family programs S. 1386 - "Homeownership Protection and Enhancement (HOPE) Act of 2007" - Expand access to foreclosure prevention services to all low- and moderate-income families and those who have experienced unexpected financial difficulties. Create an affirmative duty for lenders and servicers to engage in reasonable loss mitigation prior to foreclosure. Require notifications by lenders regarding availability of pre-purchase homeownership counseling, homeownership counseling, and services of State Homeownership Protection Centers. Appropriates money to reauthorize, enhance, and improve the Department of Housing and Urban Development’s housing counseling programs. H.R. 1723 - “Fair FHA Appraisal Act” - Would increase fines for those who would improperly influence appraisers in FHA transactions, established a blind draw selection system for FHA appraiser.
Access to Affordable Health Care Act
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
Expansion of Small Business Health Insurance Coverage: S. 158 - Access to Affordable Health Care Act
Access to Affordable Health Care Act
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
H.R. 676 - “United States Health Insurance Act (or the Expanded and Improved Medical for All Act)” - To provide for comprehensive health insurance coverage for all United States residents, and for other purposes. H.R. 853 - “Wellness and Prevention Act of 2007” - To promote preventative health care for Americans. S. 158 - “Access to Affordable Health Care Act” - A bill to expand access to affordable health care and to strengthen the health care safety net and make health care services more available in rural and underserved areas. S. 334 - “Healthy Americans Act” - A bill to provide affordable, guaranteed private health coverage that will make Americans healthier and can never be taken away. S. 685 - “Reform Health Care Now Act” - A bill to establish an expedited procedure for congressional consideration of health care reform legislation. S. 733 - “Promoting Health Care Purchasing Cooperatives Act” - A bill to promote the development of health care cooperatives that will help businesses to pool the health care purchasing power of employers, and for other purposes. H.R. 241 - To amend title I of the Employee Retirement Income Security Act of 1974 to improve access and choice for entrepreneurs with small businesses with respect to medical care for their employees.” H.R. 1200 - “American Health Security Act of 2007” - To provide for health care for every American and to control the cost and enhance the quality of the health care system.
Bankruptcy Reform: H.R. 3609 - Emergency Home Ownership & Mortgage Equity Protection Act of 2007 S. 2136 -Helping Families Save Their Homes in Bankruptcy Act of 2007 H.R. 3778 / S. 2133 - Home Owners Mortgage & Equity Savings Act (HOMES Act)
Helping Families Save Their Homes in Bankruptcy Act of 2008
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
Bankruptcy Reform: H.R. 3609 - Emergency Home Ownership & Mortgage Equity Protection Act of 2007 S. 2136 -Helping Families Save Their Homes in Bankruptcy Act of 2007 H.R. 3778 / S. 2133 - Home Owners Mortgage & Equity Savings Act (HOMES Act)
Internet Freedom Preservation Act
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
Network Neutrality: S. 215 - Internet Freedom Preservation Act
Lieberman-Warner Climate Security Act of 2007
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
Comprehensive National Disaster Policy: H.R. 931 - National Hurricane Research Initiative of 2007 Climate Change: S. 2191 - America's Climate Security Act of 2007
Property Mitigation Assistance Act of 2007
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
Disaster Mitigation: H.R. 913 - Hurricane & Tornado Mitigation Investment Act of 2007 S. 930 - Hurricane & Tornado Mitigation Investment Act of 2007 S. 2328 - Property Mitigation Assistance Act of 2007
Social Security Number Misuse Prevention Act
Client: NATIONAL ASSOCIATION OF REALTORS · Firm: NATIONAL ASSOCIATION OF REALTORS
H.R. 1427 - “Federal Housing Finance Reform Act of 2007” (GSE Reform) - Overhauls the regulatory oversight of the housing government-sponsored enterprises (GSEs) – Fannie Mae, Freddie Mac, and the Federal Home Loan Banks system (FHLBanks). H.R. 2061 - “Predatory Mortgage Lending Practices Act” - Makes it unlawful to intimidate or coerce a person conducting an appraisal for the purpose of causing the appraised value to be based on any other factors than the appraisers’ independent judgment. S. 1222 - “STOP FRAUD Act” - Develops a grant program within HUD targeted to state appraisal agencies to improve monitoring and enforcement of housing appraisal regulations. S. 1299 - “Borrowers Protection Act” - Requires appraisers to be bonded. Prohibits mortgage originators from influencing the appraisal process to meet a targeted value. H.R. 111/S. 413 - “Community Choice in Real Estate” - Prohibits financial holding companies and national banks from engaging, directly or indirectly, in real estate brokerage or real estate management activities. H.R. 836 - “Cyber Security Enhancement and Consumer Data Protection Act of 2007” - A bill to better assure cyber-security and for other purposes. H.R. 958 - “The Data Accountability and Trust Act” - Any business that houses personal information must implement specific security practices, including methods for dealing with disposal of "obsolete" information. Like many of past proposals, it would also mandate notification requirements in the event of a breach of personal data. S. 1178 - “Identity Theft Prevention Act” - A bill to strengthen data protection and safeguards, require data breach notification, and further prevent identity theft. S. 238 - “Social Security Number Misuse Prevention Act” - A bill to limit the misuse of Social Security numbers, to establish criminal penalties for such misuse, and for other purposes. S. 495 - “Personal Data Privacy and Security Act of 2007” - Prevent and mitigate identity theft, to ensure privacy, to provide notice of security breaches, and to enhance criminal penalties, law enforcement assistance, and other protections against security breaches, fraudulent access, and misuse of personally identifiable information; to the Committee on the Judiciary. H.R. 1537 - “Credit Union Regulatory Improvements Act of 2007” - Modernizes credit union net worth standards, advance credit union efforts to promote economic growth, and modify credit union regulatory standards and reduce burdens, and for other purposes. H.R. 480 - Amends the Truth in Lending Act (TILA) to prohibit a lender from making a mortgage loan to a borrower for the purchase of a principal residence if a borrower does not have a valid social security number. H.R. 698 - “Industrial Bank Holding Company Act of 2007” - Amends the Federal Deposit Insurance Act to close the ILC loophole. H.R. 2061 - “Predatory Mortgage Lending Practices Reduction Act” - Establishes federal certification of mortgage brokers and agents and stiffer penalties for violation of federal law. Sets up minimum standards as they relate to providing information to consumers as well as best practices for dispute/complaint resolution. Creates civil penalties for violations of federal law pertaining to predatory lending. S. 1299 - “Borrower’s Protection Act of 2007” - Establishes a fiduciary duty for mortgage brokers and other non-bank mortgage originators. Creates a faith and fair dealing standard for all originators. Requires originators to underwrite loans at the fully indexed rate. Requires originators to create escrow accounts to pay taxes and hazard insurance on subprime loans. Prohibits steering (i.e. brokers may not direct or counsel a consumer to rates, charges and principal amount or prepayment terms that are not appropriate or suitable for them). Holds lenders responsible for policing their associated appraisers and brokers. Prohibits originators from influencing appraisal process.
Appraisal: H.R. 2061 - Predatory Mortgage Lending Practices Act Responsible Lending: H.R. 3915 - The Mortgage Reform and Anti-Predatory Lending Act of 2007 H.R. 3725 - The Mortgage Disclosure Simplification Act of 2007 S. 2153 - The Mortgage Disclosure Simplification Act of 2007 H.R. 3705 - Fair Disclosure for Homeowners Act of 2007 S. 2114 - American Home Ownership Preservation Act of 2007 H.R. 3705 - Fair Disclosure for Home Owners Act of 2007 H.R. 3296 - Mortgage Broker Transparency & Accountability Act of 2007 H.R. 2061 - Predatory Mortgage Lending Practices Reduction Act S. 1299 - Borrower's Protection Act of 2007 S. 2452 - Home Ownership Preservation and Protection Act of 2007 Separation of Banking & Commerce: H.R. 111 - Community Choice in Real Estate Act S. 413 - Community Choice in Real Estate Act Identity Verification: H.R. 480 - To amend the Truth in Lending Act to prohibit issuance of residential mortgages to any individual who lacks a Social Security account number.
Filing targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Environmental Protection Agency (EPA), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Office of Management & Budget (OMB), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Treasury, Dept of, U.S. Agency for International Development (USAID), Veterans Affairs, Dept of (VA)
NATIONAL ASSOCIATION OF REALTORS via NATIONAL ASSOCIATION OF REALTORS
2007 · year_end · YY
Insurance Industry Competitiveness: S. 618 - Insurance Industry Competition Act of 2007 H.R 1081 - Insurance Industry Compeition Act of 2007
Catastrophe Savings Accounts: S. 927 - Catastrophe Savings Accounts Act of 2007 H.R 1787 - Catastrophe Savings Accounts Act of 2007
Patent Reform: S.1145 / H.R. 1908 - Patent Reform Act of 2007 S. 749 / H.R. 1306 - To modify the prohibition on recognition by United States courts of certain rights relating to certain marks, trade names, or commercial names.
Network Neutrality: S. 215 - Internet Freedom Preservation Act
FDIC ILC Moratorium: H.R. 698/S. 1356 -Industrial Bank Holding Company Act of 2007 Credit Union Reform: H.R. 1537- Credit Union Regulatory Improvements Act of 2007
Disaster Mitigation: H.R. 913 - Hurricane & Tornado Mitigation Investment Act of 2007 S. 930 - Hurricane & Tornado Mitigation Investment Act of 2007 S. 2328 - Property Mitigation Assistance Act of 2007
Private Property Rights: H.R. 3048 / S. 48 - Private Property Rights Protection Act of 2007 Eminent Domain: H.R 926 - STOPP Act of 2007 Brownfields Cleanup: H.R. 644 - Brownfields Redevelopment Enhancement Act of 2007 Cleanup and Registration of Meth Labs:S. 635 / H.R. 365 - The Methamphetamine Remediation Research Act of 2007
Smart Growth & School Quality: H.R. 17 - Secure Rural Schhols & Community Self-Determination Reauthorization Act of 2007
Wetlands Protection: H.R. 2421 - Clean Water Restoration Act of 2007
FHA Reform: H.R. 1752 - Expanding American Homeownership Act S. 947 - 21st Century Housing Act
Expansion of Small Business Health Insurance Coverage: S. 158 - Access to Affordable Health Care Act
Bankruptcy Reform: H.R. 3609 - Emergency Home Ownership & Mortgage Equity Protection Act of 2007 S. 2136 -Helping Families Save Their Homes in Bankruptcy Act of 2007 H.R. 3778 / S. 2133 - Home Owners Mortgage & Equity Savings Act (HOMES Act)
Comprehensive National Disaster Policy: H.R. 931 - National Hurricane Research Initiative of 2007 Climate Change: S. 2191 - America's Climate Security Act of 2007
Additional Gulf Coast Small Business Disaster Relief: S. 690 - Catastrophic Disaster Recovery Improvements Act of 2007 H.R. 1212 -Catastrophic Disaster Recovery Improvements Act of 2007
Transportation Funding & Infrastructure Improvement: S. 775 - National Infrastructure Improvement Act of 2007
Identity Theft Prevention: S. 1178 - Identity Theft Prevention Act S. 238 -Social Security Number Misuse Prevention Act
Appraisal: H.R. 2061 - Predatory Mortgage Lending Practices Act
Filing targets: Agriculture, Dept of (USDA), Army, Dept of (Corps of Engineers), Council on Environmental Quality (CEQ), Drug Enforcement Administration (DEA), Energy, Dept of, Environmental Protection Agency (EPA), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Office of Management & Budget (OMB), Office of Natl Drug Control Policy (NDCP), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Transportation, Dept of (DOT), Treasury, Dept of, U.S. Agency for International Development (USAID), Veterans Affairs, Dept of (VA)
NATIONAL ASSOCIATION OF REALTORS via NATIONAL ASSOCIATION OF REALTORS
2007 · mid_year · MM
H.R. 1044 - “Small Business Disaster Response and Loan Improvements Act of 2007” - To improve the disaster loan program of the Small Business Administration, and for other purposes. H.R. 1212 - “Catastrophic Disaster Recovery Improvements Act of 2007” - To amend the Small Business Act to authorize the Administrator of the Small Business Administration to waive the prohibition on duplication of certain disaster relief assistance. S. 599 - “Private Disaster Loans Act of 2007” - A bill to improve the disaster loan program of the Small Business Administration, and for other purposes. S. 690 - “Catastrophic Disaster Recovery Improvements Act of 2007” - A bill to amend the Small Business Act to authorize the Administrator of the Small Business Administration to waive the prohibition on duplication of certain disaster relief assistance.
H.R. 1908/S. 1145 - “Patent Reform Act of 2007 - To amend title 35, United States Code, to provide for patent reform. H.R. 1306/S. 749 - “A bill to modify the prohibition on recognition by United States courts of certain rights relating to certain marks, trade names, or commercial names.”
S. 48 - Private Property Rights Protection Act - A bill to return meaning to the Fifth Amendment by limiting the power of eminent domain. H.R. 926 - “STOPP Act of 2007” - To prohibit the provision of Federal economic development assistance for any State or locality that uses the power of eminent domain power to obtain property for private commercial development or that fails to pay relocation costs to persons displaced by use of the power of eminent domain for economic development purposes.
H.R. 2 - “Fair Minimum Wage Act of 2007” - To amend the Fair Labor Standards Act of 1938 to provide for an increase in the Federal minimum wage.
H.R. 1876 - “Mortgage Cancellation Relief Act” - To amend the Internal Revenue Code of 1986 to exclude from gross income of individual taxpayers discharges of indebtedness attributable to certain forgiven residential mortgage obligations. H.R. 2014 - "Leasehold Improvement Depreciation Act of 2007" - To amend the Internal Revenue Code of 1986 to permanently extend the 15-year recovery period for the depreciation of certain leasehold improvements and to modify the depreciation rules relating to such leasehold improvements for purposes of computing earnings and profits. H.R. 914 - “Tax Equity and Affordability Act of 2007”- Amend the Internal Revenue Code of 1986 to allow individuals a refundable credit against income tax for the purchase of private health insurance, and for other purposes; to the Committee on Ways and Means. H.R. 976 - “Small Business Tax Relief Act of 2007” - To amend the Internal Revenue Code of 1986 to provide tax relief for small businesses, and for other purposes. A companion bill to the tax title of H.R. 2. Contains increased small business expensing (from $100,000 to $125,000) effective through 2010. S. 55 - “Individual Alternative Minimum Tax Repeal Act of 2007” - A bill to amend the Internal Revenue Code of 1986 to repeal the alternative minimum tax on individuals. H.R. 1562 - “Katrina Housing Relief Act of 2007” - Extends the Hurricane Katrina tax relief provisions related to the low-income housing tax credit and expands tax-exempt bond authority available to jurisdictions in Louisiana, Mississippi and Alabama. H.R. 1787/S. 927 - “Catastrophe Savings Accounts Act of 2007” - Would allow individuals to set up catastrophe savings accounts (similar to health savings accounts) to pay for losses resulting from catastrophic events. H.R. 1366 - “Individual AMT Repeal Act of 2007” - To amend the Internal Revenue Code of 1986 to repeal the alternative minimum tax on individuals. H.R. 1753 - To amend the Internal Revenue Code of 1986 to make the expensing of environmental remediation costs permanent law and to repeal the recapture of such expenses under section 1245 of such Code.
H.R. 913 - “Hurricane and Tornado Mitigation Investment Act of 2007” - Would allow individual and business taxpayers in 33 states a tax credit for 25% of their qualified hurricane and tornado mitigation property expenditures up to $5,000 for any taxable year. S. 930 - “Hurricane and Tornado Mitigation Investment Act of 2007” - Would provide a tax credit of up to 25% for mitigation expenditures. S. 931 - “National Hurricane Research Initiative of 2007” - Establishes a 10-year, $4.35 billion initiative, to research on hurricanes and hurricane damage. H.R. 2421 - To amend the Federal Water Pollution Control Act to clarify the jurisdiction of the United States over waters of the United States.
S. 215 “Internet Freedom Prevention Act” -- A bill to amend the Communications Act of 1934 to ensure net neutrality.
H.R. 676 - “United States Health Insurance Act (or the Expanded and Improved Medical for All Act)” - To provide for comprehensive health insurance coverage for all United States residents, and for other purposes. H.R. 853 - “Wellness and Prevention Act of 2007” - To promote preventative health care for Americans. S. 158 - “Access to Affordable Health Care Act” - A bill to expand access to affordable health care and to strengthen the health care safety net and make health care services more available in rural and underserved areas. S. 334 - “Healthy Americans Act” - A bill to provide affordable, guaranteed private health coverage that will make Americans healthier and can never be taken away. S. 685 - “Reform Health Care Now Act” - A bill to establish an expedited procedure for congressional consideration of health care reform legislation. S. 733 - “Promoting Health Care Purchasing Cooperatives Act” - A bill to promote the development of health care cooperatives that will help businesses to pool the health care purchasing power of employers, and for other purposes. H.R. 241 - To amend title I of the Employee Retirement Income Security Act of 1974 to improve access and choice for entrepreneurs with small businesses with respect to medical care for their employees.” H.R. 1200 - “American Health Security Act of 2007” - To provide for health care for every American and to control the cost and enhance the quality of the health care system.
H.R. 1427 - “Federal Housing Finance Reform Act of 2007” (GSE Reform) - Overhauls the regulatory oversight of the housing government-sponsored enterprises (GSEs) – Fannie Mae, Freddie Mac, and the Federal Home Loan Banks system (FHLBanks). H.R. 2061 - “Predatory Mortgage Lending Practices Act” - Makes it unlawful to intimidate or coerce a person conducting an appraisal for the purpose of causing the appraised value to be based on any other factors than the appraisers’ independent judgment. S. 1222 - “STOP FRAUD Act” - Develops a grant program within HUD targeted to state appraisal agencies to improve monitoring and enforcement of housing appraisal regulations. S. 1299 - “Borrowers Protection Act” - Requires appraisers to be bonded. Prohibits mortgage originators from influencing the appraisal process to meet a targeted value. H.R. 111/S. 413 - “Community Choice in Real Estate” - Prohibits financial holding companies and national banks from engaging, directly or indirectly, in real estate brokerage or real estate management activities. H.R. 836 - “Cyber Security Enhancement and Consumer Data Protection Act of 2007” - A bill to better assure cyber-security and for other purposes. H.R. 958 - “The Data Accountability and Trust Act” - Any business that houses personal information must implement specific security practices, including methods for dealing with disposal of "obsolete" information. Like many of past proposals, it would also mandate notification requirements in the event of a breach of personal data. S. 1178 - “Identity Theft Prevention Act” - A bill to strengthen data protection and safeguards, require data breach notification, and further prevent identity theft. S. 238 - “Social Security Number Misuse Prevention Act” - A bill to limit the misuse of Social Security numbers, to establish criminal penalties for such misuse, and for other purposes. S. 495 - “Personal Data Privacy and Security Act of 2007” - Prevent and mitigate identity theft, to ensure privacy, to provide notice of security breaches, and to enhance criminal penalties, law enforcement assistance, and other protections against security breaches, fraudulent access, and misuse of personally identifiable information; to the Committee on the Judiciary. H.R. 1537 - “Credit Union Regulatory Improvements Act of 2007” - Modernizes credit union net worth standards, advance credit union efforts to promote economic growth, and modify credit union regulatory standards and reduce burdens, and for other purposes. H.R. 480 - Amends the Truth in Lending Act (TILA) to prohibit a lender from making a mortgage loan to a borrower for the purchase of a principal residence if a borrower does not have a valid social security number. H.R. 698 - “Industrial Bank Holding Company Act of 2007” - Amends the Federal Deposit Insurance Act to close the ILC loophole. H.R. 2061 - “Predatory Mortgage Lending Practices Reduction Act” - Establishes federal certification of mortgage brokers and agents and stiffer penalties for violation of federal law. Sets up minimum standards as they relate to providing information to consumers as well as best practices for dispute/complaint resolution. Creates civil penalties for violations of federal law pertaining to predatory lending. S. 1299 - “Borrower’s Protection Act of 2007” - Establishes a fiduciary duty for mortgage brokers and other non-bank mortgage originators. Creates a faith and fair dealing standard for all originators. Requires originators to underwrite loans at the fully indexed rate. Requires originators to create escrow accounts to pay taxes and hazard insurance on subprime loans. Prohibits steering (i.e. brokers may not direct or counsel a consumer to rates, charges and principal amount or prepayment terms that are not appropriate or suitable for them). Holds lenders responsible for policing their associated appraisers and brokers. Prohibits originators from influencing appraisal process.
H.R. 365/S. 635 - The Methamphetamine Remediation Research Act of 2007 - Requires EPA (in consultation with NIST) to develop voluntary guidelines for the remediation of former meth labs. They should be designed to assist State and local governments in the development and the implementation of legislation and other policies to clean up meth labs. Also requires EPA to establish a research program on the chemicals used to create meth, a study (with the National Academy of Sciences) on the residual effects of meth labs, and a research program to develop meth detection technologies. H.R. 1227 - “Gulf Coast Hurricane Housing Recovery Act of 2007” - To assist in the provision of affordable housing to low-income families affected by Hurricane Katrina. The bill requires one-for-one replacement of public housing units lost in New Orleans, requires HUD to survey all public housing residents about their desire to return, and extends the disaster voucher program to January 2008. The bill also included a provision to reimburse landlords who housed evacuees for damages due to FEMA's failure to follow through with agreements they made under the city lease program. H.R. 1676 - “Native American Home Ownership Opportunity Act of 2007”- This bill would reauthorize the program of the Secretary of Housing and Urban Development for loan guarantees for Indian housing. H.R. 1752 - “Expanding American Homeownership Act” - This bill would modernize the Federal Housing Administration (FHA), making the agency more efficient and competitive with the sub-prime industry. It will decrease premiums for borrowers, permit no-down payment loans, and increase access to homeownership. H.R. 1851 - "Section 8 Voucher Reform Act of 2007" - This bill would amend the housing choice voucher program under section 8 of the United States Housing Act of 1937. H.R. 1852 - “Expanding American Homeownership Act” - This bill would modernize the Federal Housing Administration (FHA), making the agency more efficient and competitive with the sub-prime industry. It will decrease premiums for borrowers, permit no-down payment loans, and increase access to homeownership. It also creates an Affordable Housing Fund from FHA proceeds. H.R. 1982 - “Rural Housing and Economic Development Improvement Act of 2007" - This bill would authorize the rural housing and economic development program of the Department of Housing and Urban Development. H.R. 2139 - “FHA Manufactured Housing Loan Modernization Act of 2007” - This bill would modernize the manufactured housing loan insurance program under title I of FHA. S. 947 - “21st Century Housing Act” - To allow FHA to hire off the GS scale, invest in updating information technology, increase FHA loans up to 50 years, allow FHA to provide flexible downpayments provide FHA with pilot program authority, increase the loan limits in high cost areas for FHA MULTI-family programs, increase the FHA single-family loan limits, increase the cap reserve which FHA must keep, and move the condo program in with other single family programs S. 1386 - "Homeownership Protection and Enhancement (HOPE) Act of 2007" - Expand access to foreclosure prevention services to all low- and moderate-income families and those who have experienced unexpected financial difficulties. Create an affirmative duty for lenders and servicers to engage in reasonable loss mitigation prior to foreclosure. Require notifications by lenders regarding availability of pre-purchase homeownership counseling, homeownership counseling, and services of State Homeownership Protection Centers. Appropriates money to reauthorize, enhance, and improve the Department of Housing and Urban Development’s housing counseling programs. H.R. 1723 - “Fair FHA Appraisal Act” - Would increase fines for those who would improperly influence appraisers in FHA transactions, established a blind draw selection system for FHA appraiser.
H.R. 1065 - “Nonadmitted and Reinsurance Reform Act of 2007” - To streamline the regulation of nonadmitted insurance and reinsurance, and for other purposes. H.R. 1081 - “Insurance Industry Competition Act of 2007” - To further competition in the insurance industry. S. 40 - "National Insurance Act of 2007" - A bill to authorize the issuance of Federal charters and licenses for carrying on the sale, solicitation, negotiation, and underwriting of insurance or any other insurance operations, to provide a comprehensive system for the Federal regulation and supervision of national insurers and national agencies, to provide for policyholder protections in the event of an insolvency or the impairment of a national insurer, and for other purposes. S. 618 - “Insurance Industry Competition Act of 2007” - A bill to further competition in the insurance industry. H.R. 1065 - “Nonadmitted and Reinsurance Reform Act of 2007” - Would streamline state laws regarding “surplus lines” of insurance. H.R. 164 - “Policyholder Disaster Protection Act of 2007” - Provides for the creation of disaster protection funds by property and casualty insurance companies for the payment of policyholders’ claims arising from future catastrophic events. H.R. 1682 - “The Flood Insurance Reform and Modernization Act of 2007” - To restore financial solvency of the national flood insurance program, and for other purposes. H.R. 330 - “Homeowners’ Insurance Availability Act of 2007” - Establishes a federal reinsurance program for disaster insurance H.R. 537/S. 292 - “Commission on Catastrophic Disaster Risk and Insurance Act of 2007” - "Establishes the bipartisan Commission on Catastrophic Disaster Risk and Insurance H.R. 91 - “Homeowners Insurance Protection Act of 2007” - Establishes a federal catastrophic reinsurance fund; establishes a commission to study disaster insurance issues; requires a study of the national flood insurance program (NFIP). H.R. 920 - “Multiperil Insurance Act of 2007” - Would amend the National Flood Insurance Program to allow homeowners to purchase windstorm coverage in addition to flood coverage. S. 926 - “Policyholder Disaster Protection Act of 2007” - Would allow tax-deferred reserves for insurance companies. S. 928 - “Homeowners Protection Act of 2007” - Would create a federal insurance backstop for state catastrophe funds. S. 929 - “Non-admitted and Reinsurance Act of 2007” - Would streamline the regulation of non-admitted insurance and reinsurance.
H.R. 17 - “Secure Rural Schools and Community Self-Determination Reauthorization Act of 2007” - To reauthorize the Secure Rural Schools and Community Self-Determination Act of 2000, and for other purposes.
Filing targets: Army, Dept of (Corps of Engineers), Commerce, Dept of (DOC), Education, Dept of, Environmental Protection Agency (EPA), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Housing Finance Agency (FHFA), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Internal Revenue Service (IRS), Office of Natl Drug Control Policy (NDCP), Office of Thrift Supervision (OTS), Office of the Comptroller of the Currency (OCC), SENATE, Small Business Administration (SBA)
NATIONAL ASSOCIATION OF REALTORS via NATIONAL ASSOCIATION OF REALTORS
2006 · year_end · YY
HR4128 -- Property Rights Protection Act" -- protects private property rights. HR3083/3087/S1313 -- "Protection of Homes, Small Business and Private Property Act" HR3631 -- "Eminent Domain Limitation Act" HR3405 -- "STOPP Act"
HR1549/S.859 -- "Renewing the Dream Tax Credit Act" HR8 -- "Death Tax Repeal Permanency Act" HR877/S398 -- "Brownfields Cleanup Deduction"
HR525/S406 -- "Small Business Health Fairness Act" S1955 -- "Health Insurance Marketplace Modernization & Affordability Act"
* HR1461 -- "Federal Housing Finance Reform Act" S190 -- "Federal Housing Enterprise Regulatory Reform Act" HR3997 -- "Financial Data Protection Act" HR1295 -- "Responsible Lending Act" S.132 -- "Mortgage Insurance Fairness Act" -- amends the Internal Revenue Code to treat mortgage insurance premium payments as tax deductible interest. HR1663/S621 -- "Leasehold Improvements" -- amends the Internal Revenue Code to make permanent the 15-year recovery period for the depreciation of qualified leasehold improvement property. HR1500 -- "Investment Tax Simplification Act" -- makes permanent the reduction in individual capital gains tax rates. HR1226 -- "United States Financial Policy Committee for Fair Capital Standards Act" HR1010 -- Real Estate Mortgage Investment Conduit Act" 2
* HR4128 -- "Property Rights Protection Act" -- protects private property rights. HR2668/S3116 -- "Policyholder Disaster Protection Act" HR4836/S3115 -- "Catastrophe Savings Accounts Act" S3114?HR5891 -- creates a commission to study natural disaster insurance approaches. HR103 -- "Low-Income Families Flood Insurance Access Act" HR4366/S3117 -- "Homeowners Insurance Protection Act" 4 5
HR1950 -- "Do Not Call Exceptions" HR1139 -- "Wireless 411 Privacy Act" HR4943/S2389/HR4709/S2178 -- "Consumer Telephone Records Act"
HR111/S98 -- "Community Choice in Real Estate Act" HR2660 -- "Fair Choice and Competition in Real Estate Act"
* HR5039 -- "Saving America's Rural Housing Act" HR798 -- "The Methamphetamine Remediation Research Act" HR3043 -- "Zero Downpayment Pilot Program Act" -- authorizes HUD to establish a zero down mortgage insurance product HR5121/S3535 -- "Expanding American Homeownership Act" -- reforms the FHA program. S3173 -- "21st Century Housing Act" -- reforms the FHA program. HR176 -- "FHA Single Family Loan Limit Adjustment Act" -- allows FHA mortgage limits to be adjusted to facilitate homeownership in high-cost areas. 7
Filing targets: Environmental Protection Agency (EPA), Federal Communications Commission (FCC), Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Internal Revenue Service (IRS), Justice, Dept of (DOJ), Labor, Dept of (DOL), Office of Management & Budget (OMB), SENATE, Small Business Administration (SBA), Treasury, Dept of, Veterans Affairs, Dept of (VA)
NATIONAL ASSOCIATION OF REALTORS via NATIONAL ASSOCIATION OF REALTORS
2006 · mid_year · MM
Filing targets: Environmental Protection Agency (EPA), Federal Emergency Management Agency (FEMA), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Office of Management & Budget (OMB), SENATE, Treasury, Dept of, Veterans Affairs, Dept of (VA)
NATIONAL ASSOCIATION OF REALTORS via NATIONAL ASSOCIATION OF REALTORS
2005 · year_end · YY
Filing targets: Environmental Protection Agency (EPA), Federal Emergency Management Agency (FEMA), HOUSE OF REPRESENTATIVES, Housing & Urban Development, Dept of (HUD), Interior, Dept of (DOI), Office of Management & Budget (OMB), SENATE, Treasury, Dept of, Veterans Affairs, Dept of (VA)