MATTHEW ROBERTS

H.R. 3495 - the Direct Seller and Real Estate Agent Harmonization Act: Would align the Fair Labor Standards Act with the U.S. tax code to ensure real estate agents can choose to do business as employees or as independent contractors.

H.R. 1105 - the Disaster Resiliency and Coverage Act; The bill would incentivize and facilitate property mitigation and hardening efforts through tax incentives and grants to combat the rising costs of insurance. H.R.7128 & S. 4395 - TRIA Program Reauthorization Act of 2026; The legislation would reauthorize the Terrorism Risk Insurance program for seven years. C.A.R. discussed increased costs and difficulty with obtaining homeowners insurance in California. C.A.R. discussed extending and ensuring the availability of flood insurance policies offered through the National Flood Insurance Program.

H.R. 2840/S. 1299 - Housing Supply and Affordability Act: Establishes a task force to develop ways states and cities can reduce regulatory barriers and boost housing production across the country. H.R. 3696 - Fair and Equal housing Act: Codifies equal housing protections for LGBTQ+ Americans by adding sexual orientation and gender identity to the Fair Housing Act. H.R. 4023 - American Dream for All Act: Would create a downpayment-assistance shared-equity program to help first-time homebuyers. C.A.R. discussed the future of Fannie Mae and Freddie Mac, and potential efforts to take them out of conservatorship. C.A.R. discussed recent changes to California condo balcony inspection law and its impact on condo qualifications for conforming loans.

H.R. 3495 - the Direct Seller and Real Estate Agent Harmonization Act: Would align the Fair Labor Standards Act with the U.S. tax code to ensure real estate agents can choose to do business as employees or as independent contractors.

H.R. 419; Revitalizing Downtowns Act; would create a tax credit for owners of office building that convert part or all of the building to residential or commercial space. H.R. 1321; More Homes on the Market Act; would increase the capital gains exclusion on the sale of a primary residence. C.A.R. lobbied on the issue of eliminating or increasing the current $10,000 cap on state and local tax deduction, including discussing a number of bills related to the issue, including, H.R. 160, H.R. 339, H.R. 1326, H.R. 226, S. 830. H.R. 7707 - First-Time Homebuyer Tax Credit Act - Would create a tax credit to help first time homebuyers offset the cost of purchasing their first home.

C.A.R. submitted a comment letter on the Regulatory Capital Rule: Amendments Applicable to Large Banking Organizations and to Banking Organizations with Significant Trading Activity. C.A.R. submitted a comment letter to the Financial Crimes Enforcement Network in response to their proposed rule "Regarding Real Estate Reporting Requirements (RIN1506-AB54).

H.R. 6861 - SAFE HOME Act - The proposed bill would create a tax credit to help homeowners offset the cost of wildfire mitigation expenditures. H.R. 7849 - Disaster Resiliency and Coverage Act - The proposed bill would create a grant program to cover the cost of disaster mitigation on their property, and would create a tax credit for the cost of mitigation activities.

H.R. 4439, Fair and Equal Housing Act - Protects against discrimination against sexual orientation and gender identity in housing.

H.R. 5419 - Direct Seller and Real Estate Agent Harmonization Act - Would provide protection for direct sellers and real estate agents to do business as independent contractors. C.A.R. submitted a letter to the Department of Labor asking for clarification and guidance on their Final Rule on Employee or Independent Contractor Classification Under the Fair Labor Standards Act.

H.R. 4439, Fair and Equal Housing Act - Protects against discrimination against sexual orientation and gender identity in housing.

C.A.R. submitted a comment letter on the Regulatory Capital Rule: Amendments Applicable to Large Banking Organizations and to Banking Organizations with Significant Trading Activity. C.A.R. submitted a comment letter to the Financial Crimes Enforcement Network in response to their proposed rule "Regarding Real Estate Reporting Requirements (RIN1506-AB54).

C.A.R. spoke with members of Congress on the issue of Water. Specifically, on the current drought in the Western States, and the availability of water for development. C.A.R. advocated on the Waters of the United States (WOTUS) and the definition changes proposes and implemented by the administration.

C.A.R. discussed with members of Congress the difficulty in obtaining and increasing cost of fire insurance for property owners in California.

H.R. 419; Revitalizing Downtowns Act; would create a tax credit for owners of office building that convert part or all of the building to residential or commercial space. H.R. 1321; More Homes on the Market Act; would increase the capital gains exclusion on the sale of a primary residence. C.A.R. lobbied on the issue of eliminating or increasing the current $10,000 cap on state and local tax deduction, including discussing a number of bills related to the issue, including, H.R. 160, H.R. 339, H.R. 1326, H.R. 226, S. 830. H.R. 7707 - First-Time Homebuyer Tax Credit Act - Would create a tax credit to help first time homebuyers offset the cost of purchasing their first home.

H.R. 6861 - SAFE HOME Act - The proposed bill would create a tax credit to help homeowners offset the cost of wildfire mitigation expenditures. H.R. 7849 - Disaster Resiliency and Coverage Act - The proposed bill would create a grant program to cover the cost of disaster mitigation on their property, and would create a tax credit for the cost of mitigation activities.

H.R. 5419 - Direct Seller and Real Estate Agent Harmonization Act - Would provide protection for direct sellers and real estate agents to do business as independent contractors. C.A.R. submitted a letter to the Department of Labor asking for clarification and guidance on their Final Rule on Employee or Independent Contractor Classification Under the Fair Labor Standards Act.

H.R. 4439, Fair and Equal Housing Act - Protects against discrimination against sexual orientation and gender identity in housing.

C.A.R. discussed with members of Congress the difficulty in obtaining and increasing cost of fire insurance for property owners in California.

H.R. 419; Revitalizing Downtowns Act; would create a tax credit for owners of office building that convert part or all of the building to residential or commercial space. H.R. 1321; More Homes on the Market Act; would increase the capital gains exclusion on the sale of a primary residence. C.A.R. lobbied on the issue of eliminating or increasing the current $10,000 cap on state and local tax deduction, including discussing a number of bills related to the issue, including, H.R. 160, H.R. 339, H.R. 1326, H.R. 226, S. 830. H.R. 7707 - First-Time Homebuyer Tax Credit Act - Would create a tax credit to help first time homebuyers offset the cost of purchasing their first home.

S. 680; the Decent, Affordable, Safe Housing for All Act; proposes to increase affordable rental availability, low-income housing tax credits, first time homebuyer tax credit, and a tax credit to help affordable housing for homeownership. S. 657 / H.R. 3940; Neighborhood Homes Investment Act; the proposed bill would create a tax credit for the acquisition, rehabilitation, or remediation of properties housing. H.R. 3418 & S. 1654; the Credit Access and Inclusion Act; The proposed bill would allow for the reporting of a renters utility payments to credit reporting agencies. H.R. 4233; The Housing Crisis Response Act of 2023: The proposed bill would provide funding to create more housing units. H.R. 4231; The Downpayment Toward Equity Act of 2023: The proposed bill would create a downpayment assistance program for first-time, first-generation homebuyers. C.A.R. discussed with members of Congress and the VA difficulties home sellers and home buyers were experiencing with the mortgage assumability process for FHA and VA loans. C.A.R. discussed with members of Congress the future of Fannie Mae and Freddie Mac, and how they should be brought out of conservatorship. C.A.R. discussed the impact of Home Equity Conversion Mortgages on the FHA Forward Mortgage product because of its inclusion in the Mutual Mortgage Insurance Fund. C.A.R. advocated for the reduction of the FHA mortgage insurance premium. C.A.R. discussed the issue of Affirmatively Furthering Fair Housing. C.A.R. discussed the Administration's "Blueprint for a Renters Bill of Rights." C.A.R. discussed with Member of Congress and Regulators the proposed Loan Level Price Adjustments by the Federal Housing Finance Agency for Fannie Mae and Freddie Mac. C.A.R. discussed proposals to allow for remote online notary, including H.R. 1059 and S. 1212, the Securing and Enabling Commerce Using Remote and Electronic Notarization Act. C.A.R. discussed proposals to improve the HUD's Section 8, housing voucher program to make it easier for housing providers to participate. C.A.R. advocated for increasing funding for HUD to provide grants for the enforcement of fair housing laws. C.A.R. discussed the increased use of Attorney Opinion Letters as an alternative to title insurance. C.A.R. discussed current FHA appraisal and property inspection rules and their impact on FHA loan acceptance rates. C.A.R. discussed current FHA condo rules. C.A.R. advocated for reducing or eliminating the FHA life of loan insurance premium. C.A.R. submitted a comment letter on the Proposed Rule -Notification Requirement for Lease Termination. C.A.R. discussed with members of Congress the ability of Veteran homebuyers using the VA home loan program to pay for the services of a buyer broker or buyer agent fee.

C.A.R. spoke with members of Congress on the issue of Water. Specifically, on the current drought in the Western States, and the availability of water for development. C.A.R. advocated on the Waters of the United States (WOTUS) and the definition changes proposes and implemented by the administration.

C.A.R. discussed with members of Congress the difficulty in obtaining and increasing cost of fire insurance for property owners in California.

C.A.R. was contacted about the Federal Reserve addressing "wire fraud" and their consideration of: 1. Mandate that banks implement self-service fraud tools. Self-service fraud tools are internal policies and procedures that banks should implement to detect potentially fraudulent wire transfers, This includes setting maximum wire transfer amounts depending on an accounts balance as well as time of day limits on wire transfers. 2. Fraud Classifier tools. These tools would help the bank classify the types of fraud that occur and ways to detect them. 3. Fraud anomaly products. Mandate that banks have fraud detection systems that would flag and stop suspicious wire transfers. Similar to fraud detection on a credit card. For example, if a customer normally does not transfer funds via wire transfer and then suddenly transfers a large amount of money to an unknown account, the transaction would be stopped and reviewed. C.A.R. submitted a comment letter on the Regulatory Capital Rule: Amendments Applicable to Large Banking Organizations and to Banking Organizations with Significant Trading Activity.

H.R. 6861 - SAFE HOME Act - The proposed bill would create a tax credit to help homeowners offset the cost of wildfire mitigation expenditures. H.R. 7849 - Disaster Resiliency and Coverage Act - The proposed bill would create a grant program to cover the cost of disaster mitigation on their property, and would create a tax credit for the cost of mitigation activities.

H.R. 419; Revitalizing Downtowns Act; would create a tax credit for owners of office building that convert part or all of the building to residential or commercial space. H.R. 1321; More Homes on the Market Act; would increase the capital gains exclusion on the sale of a primary residence. C.A.R. lobbied on the issue of eliminating or increasing the current $10,000 cap on state and local tax deduction, including discussing a number of bills related to the issue, including, H.R. 160, H.R. 339, H.R. 1326, H.R. 226, S. 830. H.R. 7707 - First-Time Homebuyer Tax Credit Act - Would create a tax credit to help first time homebuyers offset the cost of purchasing their first home.

C.A.R. spoke with members of Congress on the issue of Water. Specifically, on the current drought in the Western States, and the availability of water for development. C.A.R. advocated on the Waters of the United States (WOTUS) and the definition changes proposes and implemented by the administration.

C.A.R. discussed with members of Congress the difficulty in obtaining and increasing cost of fire insurance for property owners in California.

C.A.R. spoke with members of Congress on the issue of Water. Specifically, on the current drought in the Western States, and the availability of water for development. C.A.R. advocated on the Waters of the United States (WOTUS) and the definition changes proposes and implemented by the administration.

S. 680; the Decent, Affordable, Safe Housing for All Act; proposes to increase affordable rental availability, low-income housing tax credits, first time homebuyer tax credit, and a tax credit to help affordable housing for homeownership. S. 657; Neighborhood Homes Investment Act; the proposed bill would create a tax credit for the acquisition, rehabilitation, or remediation of properties housing. H.R. 3418 & S. 1654; the Credit Access and Inclusion Act; The proposed bill would allow for the reporting of a renters utility payments to credit reporting agencies. H.R. 4233; The Housing Crisis Response Act of 2023: The proposed bill would provide funding to create more housing units. H.R. 4231; The Downpayment Toward Equity Act of 2023: The proposed bill would create a downpayment assistance program for first-time, first-generation homebuyers. C.A.R. submitted comments to the Federal Housing Finance Agency in response to the Request for Information on Tenant Protections for Enterprise-Backed Multifamily Properties. C.A.R. submitted comments to the Federal Trade Commission to their joint Request for Information on Tenant Screening, P235400. C.A.R. discussed with members of Congress and the VA difficulties home sellers and home buyers were experiencing with the mortgage assumability process for FHA and VA loans. C.A.R. discussed with members of Congress the future of Fannie Mae and Freddie Mac, and how they should be brought out of conservatorship. C.A.R. discussed the impact of Home Equity Conversion Mortgages on the FHA Forward Mortgage product because of its inclusion in the Mutual Mortgage Insurance Fund. C.A.R. advocated for the reduction of the FHA mortgage insurance premium. C.A.R. discussed the issue of Affirmatively Furthering Fair Housing. C.A.R. discussed the Administration's "Blueprint for a Renters Bill of Rights." C.A.R. discussed with Member of Congress and Regulators the proposed Loan Level Price Adjustments by the Federal Housing Finance Agency for Fannie Mae and Freddie Mac. C.A.R. discussed with Congress the CFPB's proposed rule on Property Assessed Clean Energy (PACE) loans. C.A.R. discussed proposals to allow for remote online notary, including H.R. 1059 and S. 1212, the Securing and Enabling Commerce Using Remote and Electronic Notarization Act. C.A.R. discussed proposals to improve the HUD's Section 8, housing voucher program to make it easier for housing providers to participate. C.A.R. advocated for increasing funding for HUD to provide grants for the enforcement of fair housing laws.

The Housing Crisis Response Act of 2023: The proposed bill would provide funding to create more housing units. The Downpayment Toward Equity Act of 2023: The proposed bill would create a downpayment assistance program for first-time, first-generation homebuyers. C.A.R. submitted comments to the Federal Housing Finance Agency in response to the Request for Information on Tenant Protections for Enterprise-Backed Multifamily Properties. C.A.R. submitted comments to the Federal Trade Commission to their joint Request for Information on Tenant Screening, P235400. C.A.R. discussed with members of Congress and the VA difficulties home sellers and home buyers were experiencing with the mortgage assumability process for FHA and VA loans. C.A.R. discussed with members of Congress the future of Fannie Mae and Freddie Mac, and how they should be brought out of conservatorship. C.A.R. discussed the impact of Home Equity Conversion Mortgages on the FHA Forward Mortgage product because of its inclusion in the Mutual Mortgage Insurance Fund. C.A.R. advocated for the reduction of the FHA mortgage insurance premium. C.A.R. discussed the issue of Affirmatively Furthering Fair Housing. C.A.R. discussed the Administration's "Blueprint for a Renters Bill of Rights." C.A.R. discussed with Member of Congress and Regulators the proposed Loan Level Price Adjustments by the Federal Housing Finance Agency for Fannie Mae and Freddie Mac. C.A.R. discussed with Congress the CFPB's proposed rule on Property Assessed Clean Energy (PACE) loans. C.A.R. discussed proposals to allow for remote online notary. C.A.R. discussed proposals to improve the HUD's Section 8, housing voucher program to make it easier for housing providers to participate. C.A.R. advocated for increasing funding for HUD to provide grants for the enforcement of fair housing laws.

H.R. 419; Revitalizing Downtowns Act; would create a tax credit for owners of office building that convert part or all of the building to residential or commercial space. H.R. 1321; More Homes on the Market Act; would increase the capital gains exclusion on the sale of a primary residence. C.A.R. lobbied on the issue of eliminating or increasing the current $10,000 cap on state and local tax deduction, including discussing a number of bills related to the issue, including, H.R. 160, H.R. 339, H.R. 1326, H.R. 226, S. 830.

C.A.R. discussed with members of Congress the difficulty in obtaining and increasing cost of fire insurance for property owners in California.

The Housing Crisis Response Act of 2023: The proposed bill would provide funding to create more housing units. The Downpayment Toward Equity Act of 2023: The proposed bill would create a downpayment assistance program for first-time, first-generation homebuyers. C.A.R. submitted comments to the Federal Trade Commission to their joint Request for Information on Tenant Screening, P235400. C.A.R. discussed with members of Congress and the VA difficulties home sellers and home buyers were experiencing with the mortgage assumability process for FHA and VA loans. C.A.R. discussed with members of Congress the future of Fannie Mae and Freddie Mac, and how they should be brought out of conservatorship. C.A.R. discussed the impact of Home Equity Conversion Mortgages on the FHA Forward Mortgage product because of its inclusion in the Mutual Mortgage Insurance Fund. C.A.R. advocated for the reduction of the FHA mortgage insurance premium. C.A.R. discussed the issue of Affirmatively Furthering Fair Housing. C.A.R. discussed the Administration's "Blueprint for a Renters Bill of Rights." C.A.R. discussed with Member of Congress and Regulators the proposed Loan Level Price Adjustments by the Federal Housing Finance Agency for Fannie Mae and Freddie Mac. C.A.R. discussed with Congress the CFPB's proposed rule on Property Assessed Clean Energy (PACE) loans. C.A.R. discussed proposals to allow for remote online notary. C.A.R. discussed proposals to improve the HUD's Section 8, housing voucher program to make it easier for housing providers to participate. C.A.R. advocated for increasing funding for HUD to provide grants for the enforcement of fair housing laws.

C.A.R. spoke with members of Congress on the issue of Water. Specifically, on the current drought in the Western States, and the availability of water for development. C.A.R. advocated on the Waters of the United States (WOTUS) and the definition changes proposes and implemented by the administration.

C.A.R. discussed with members of Congress the difficulty in obtaining and increasing cost of fire insurance for property owners in California.

H.R. 613 - the SALT Deductibility Act - Would eliminate the cap on state and local tax deductions. H.R. 2143 - Neighborhood Homes Investment Act - Will offer tax credits to attract private investment for building and rehabilitating owner-occupied homes. H.R. 4759 - Revitalizing Downtowns Act - Will provide tax incentives for commercial property owners to convert unused office space to residential units or other more productive uses. H.R. 5041 - GREATER Revitalization of Shopping Centers Act - The bill is designed to address the problem of abandoned malls and shopping centers. H.R. 5376 - Build Back Better Act - Would create downpayment assistance program for homebuyer, increase state and local tax deductions, and other social programs for housing. H.R. 9015 - More Homes on the Market Act - The bill would increase the capital gains exclusion on the sale of a primary residence and index the new limit for inflation. S. 98 - Neighborhood Homes Investment Act - Will offer tax credits to attract private investment for building and rehabilitating owner-occupied homes. S. 2511 - Revitalizing Downtowns Act - Will provide tax incentives for commercial property owners to convert unused office space to residential units or other more productive uses. S. Con. Res. 14 - The Concurrent Resolution on the Budget for Fiscal Year 2022 - C.A.R. advocated against paying for the cost of the bill by eliminating or capping 1031 like-kind exchanges, weakening or eliminating stepped-up basis or creating a capital gains tax on unrealized gains at time of death, and increases in the capital gains rate as it would apply to the disposition of real property. C.A.R. advocated for a first time homebuyer tax credit with members of Congress. C.A.R. advocated for a tax credit for commercial property owners to convert their properties to residential units. C.A.R. discussed the issue of 1031 exchanges and their importance in the California real estate market with members of Congress. C.A.R. discussed with Congress the issue of applying a capital gains tax upon death, which would eliminate the benefit of stepped-up basis. C.A.R. discussed with Congress the issue of higher capital gains tax rates for individuals who show higher incomes one-year because of an infrequent event, such as the sale of their home. C.A.R. discussed with Congress the issue of changes to the capital gains exclusion on primary residences.

H.R. 842 - Protecting the Right to Organize Act (PRO Act) - C.A.R. advocated on the bill's possible preemption of state law in determining the ability of real estate agents to choose to be independent contractors. H.R. 1799 - PPP Extension Act - The bill would extend the PPP to allow for two more months of applications. C.A.R. submitted comments to the House Financial Services Committee on the hearing entitled: Supporting Small Minority Owned Businesses Through the Pandemic C.A.R. submitted comments on the Notice of Proposed Rulemaking; Employee or Independent Contractor Classification Under the Fair Labor Standards Act A Proposed Rule by the Wage and Hour Division

H.R. 5 - The Equality Act - C.A.R. advocated on expanding the Fair Housing Act to cover sexual orientation and sexual identity.

H.R. 68 - Housing Fairness Act - The bill would increase HUDs Fair Housing Initiatives Program by $18 million with the bulk of funds directed to increased discrimination testing under the Private Enforcement Initiative. H.R. 1319 - The American Rescue Plan Act - C.A.R. advocated for financial support for mom-and-pop landlords, the paycheck protection program, and assistance for struggling homeowners. H.R. 1836 - Guard and Reserve GI Bill Parity Act - C.A.R. discussed the provision of the bill that increased and extended fees on VA home loans. H.R. 2126 - Housing Supply and Affordability Act - Will create a housing grant program that state and local governments can apply for to create more housing units. H.R. 3684 - INVEST in America Act - C.A.R. advocated against the Fannie Mae and Freddie Mac fee in the bill used to offset the cost. H.R. 4495 - Downpayment Toward Equity Act - Would provide downpayment assistance for first-generation homebuyers. H.R. 5915 - FHA Fairness Act - Would increase FHA loan limits in certain counties. H.R. 8360 - Housing Oversight and Mitigating Exploitation Act - The is intended to address and deter institutional investors from purchasing single family resident homes. S. 769 - Housing Fairness Act - The bill would increase HUDs Fair Housing Initiatives Program by $18 million with the bulk of funds directed to increased discrimination testing under the Private Enforcement Initiative S. 902 - Housing Supply and Affordability Act - Will create a housing grant program that state and local governments can apply for to create more housing units. S. Con. Res. 14 - The Concurrent Resolution on the Budget for Fiscal Year 2022 - C.A.R. advocated in support of housing provisions that would create incentive for additional housing units, increase funding for Fair Housing enforcement and provide downpayment assistance. C.A.R. advocated on the topic of making housing a part of infrastructure and transportation. C.A.R. advocated to Congress and has submitted comments to HUD asking the FHA and HUD to reduce the FHA mortgage insurance premium and stop the life of the loan premium. C.A.R. advocated for the elimination of risk based pricing by Fannie Mae and Freddie Mac. C.A.R. advocated for the reform of Fannie Mae and Freddie Mac to bring them out of conservatorship. C.A.R. advocated for an increase in funding for HUD's Office of Fair Housing and Equal Opportunity. C.A.R. worked with Congress to improve the Emergency Rental Assistance program. C.A.R. advocated on the implementation of new condominium Questionnaire and rules for Fannie Mae and Freddie Mac loans. C.A.R. advocated on the FHFA announced "Targeted Increases to Enterprise Pricing Framework" that increased fees on conforming jumbo and second/vacation mortgages for Fannie Mae and Freddie Mac loans. C.A.R. discussed the issue of how much federal affordable housing funding went to homeownership programs. This included the Community Development Block Program, Low-Income Housing Tax Credits, and the HOME program. C.A.R. advocated for the removal of FHA Home Equity Conversion Mortgage from the FHA's Forward Mortgage reserve calculation in determining the minimum Mutual Mortgage Insurance Fund reserve. C.A.R. discussed the Property Appraisal and Valuation Equity report. C.A.R. discussed appraisal waivers and desktop appraisals, and their impact in California's real estate market.

C.A.R. commented on HUD Proposed Rule, Acceptance of Private Flood Insurance for FHA-Insured Mortgages (Docket Number HUD-2020-0078; RIN 2502-AJ43)

H.R. 5 - The Equality Act - C.A.R. advocated on expanding the Fair Housing Act to cover sexual orientation and sexual identity.

C.A.R. discussed the Treasury proposal of having real estate agents and brokers monitor and police real estate transactions for money laundering.

C.A.R. discussed the Treasury proposal of having real estate agents and brokers monitor and police real estate transactions for money laundering.

H.R. 613 - the SALT Deductibility Act - Would eliminate the cap on state and local tax deductions. H.R. 2143 - Neighborhood Homes Investment Act - Will offer tax credits to attract private investment for building and rehabilitating owner-occupied homes. H.R. 4759 - Revitalizing Downtowns Act - Will provide tax incentives for commercial property owners to convert unused office space to residential units or other more productive uses. H.R. 5041 - GREATER Revitalization of Shopping Centers Act - The bill is designed to address the problem of abandoned malls and shopping centers. H.R. 5376 - Build Back Better Act - Would create downpayment assistance program for homebuyer, increase state and local tax deductions, and other social programs for housing. S. 98 - Neighborhood Homes Investment Act - Will offer tax credits to attract private investment for building and rehabilitating owner-occupied homes. S. 2511 - Revitalizing Downtowns Act - Will provide tax incentives for commercial property owners to convert unused office space to residential units or other more productive uses. S. Con. Res. 14 - The Concurrent Resolution on the Budget for Fiscal Year 2022 - C.A.R. advocated against paying for the cost of the bill by eliminating or capping 1031 like-kind exchanges, weakening or eliminating stepped-up basis or creating a capital gains tax on unrealized gains at time of death, and increases in the capital gains rate as it would apply to the disposition of real property. C.A.R. advocated for a first time homebuyer tax credit with members of Congress. C.A.R. advocated for a tax credit for commercial property owners to convert their properties to residential units. C.A.R. discussed the issue of 1031 exchanges and their importance in the California real estate market with members of Congress. C.A.R. discussed with Congress the issue of applying a capital gains tax upon death, which would eliminate the benefit of stepped-up basis. C.A.R. discussed with Congress the issue of higher capital gains tax rates for individuals who show higher incomes one-year because of an infrequent event, such as the sale of their home. C.A.R. discussed with Congress the issue of changes to the capital gains exclusion on primary residences.

H.R. 5 - The Equality Act - C.A.R. advocated on expanding the Fair Housing Act to cover sexual orientation and sexual identity.

H.R. 5 - The Equality Act - C.A.R. advocated on expanding the Fair Housing Act to cover sexual orientation and sexual identity.

H.R. 68 - Housing Fairness Act - The bill would increase HUDs Fair Housing Initiatives Program by $18 million with the bulk of funds directed to increased discrimination testing under the Private Enforcement Initiative. H.R. 1319 - The American Rescue Plan Act - C.A.R. advocated for financial support for mom-and-pop landlords, the paycheck protection program, and assistance for struggling homeowners. H.R. 1836 - Guard and Reserve GI Bill Parity Act - C.A.R. discussed the provision of the bill that increased and extended fees on VA home loans. H.R. 2126 - Housing Supply and Affordability Act - Will create a housing grant program that state and local governments can apply for to create more housing units. H.R. 3684 - INVEST in America Act - C.A.R. advocated against the Fannie Mae and Freddie Mac fee in the bill used to offset the cost. H.R. 5915 - FHA Fairness Act - Would increase FHA loan limits in certain counties. S. 769 - Housing Fairness Act - The bill would increase HUDs Fair Housing Initiatives Program by $18 million with the bulk of funds directed to increased discrimination testing under the Private Enforcement Initiative S. 902 - Housing Supply and Affordability Act - Will create a housing grant program that state and local governments can apply for to create more housing units. S. Con. Res. 14 - The Concurrent Resolution on the Budget for Fiscal Year 2022 - C.A.R. advocated in support of housing provisions that would create incentive for additional housing units, increase funding for Fair Housing enforcement and provide downpayment assistance. C.A.R. advocated on the topic of making housing a part of infrastructure and transportation. C.A.R. advocated to Congress and has submitted comments to HUD asking the FHA and HUD to reduce the FHA mortgage insurance premium and stop the life of the loan premium. C.A.R. advocated for the elimination of risk based pricing by Fannie Mae and Freddie Mac. C.A.R. advocated for the reform of Fannie Mae and Freddie Mac to bring them out of conservatorship. C.A.R. advocated for an increase in funding for HUD's Office of Fair Housing and Equal Opportunity. C.A.R. worked with Congress to improve the Emergency Rental Assistance program. C.A.R. advocated on the implementation of new condominium Questionnaire and rules for Fannie Mae and Freddie Mac loans. C.A.R. advocated on the FHFA announced "Targeted Increases to Enterprise Pricing Framework" that increased fees on conforming jumbo and second/vacation mortgages for Fannie Mae and Freddie Mac loans. C.A.R. discussed the issue of how much federal affordable housing funding went to homeownership programs. This included the Community Development Block Program, Low-Income Housing Tax Credits, and the HOME program. C.A.R. advocated for the removal of FHA Home Equity Conversion Mortgage from the FHA's Forward Mortgage reserve calculation in determining the minimum Mutual Mortgage Insurance Fund reserve. C.A.R. discussed the Property Appraisal and Valuation Equity report. C.A.R. discussed appraisal waivers and desktop appraisals, and their impact in California's real estate market.

H.R. 842 - Protecting the Right to Organize Act (PRO Act) - C.A.R. advocated on the bill's possible preemption of state law in determining the ability of real estate agents to choose to be independent contractors. H.R. 1799 - PPP Extension Act - The bill would extend the PPP to allow for two more months of applications. C.A.R. submitted comments to the House Financial Services Committee on the hearing entitled: Supporting Small Minority Owned Businesses Through the Pandemic

H.R. 5 - The Equality Act - C.A.R. advocated on expanding the Fair Housing Act to cover sexual orientation and sexual identity.

H.R. 613 - the SALT Deductibility Act - Would eliminate the cap on state and local tax deductions. H.R. 2143 - Neighborhood Homes Investment Act - Will offer tax credits to attract private investment for building and rehabilitating owner-occupied homes. H.R. 4759 - Revitalizing Downtowns Act - Will provide tax incentives for commercial property owners to convert unused office space to residential units or other more productive uses. H.R. 5376 - Build Back Better Act - Would create downpayment assistance program for homebuyer, increase state and local tax deductions, and other social programs for housing. S. 98 - Neighborhood Homes Investment Act - Will offer tax credits to attract private investment for building and rehabilitating owner-occupied homes. S. Con. Res. 14 - The Concurrent Resolution on the Budget for Fiscal Year 2022 - C.A.R. advocated against paying for the cost of the bill by eliminating or capping 1031 like-kind exchanges, weakening or eliminating stepped-up basis or creating a capital gains tax on unrealized gains at time of death, and increases in the capital gains rate as it would apply to the disposition of real property. C.A.R. advocated for a first time homebuyer tax credit with members of Congress. C.A.R. advocated for a tax credit for commercial property owners to convert their properties to residential units. C.A.R. discussed the issue of 1031 exchanges and their importance in the California real estate market with members of Congress. C.A.R. discussed with Congress the issue of applying a capital gains tax upon death, which would eliminate the benefit of stepped-up basis. C.A.R. discussed with Congress the issue of higher capital gains tax rates for individuals who show higher incomes one-year because of an infrequent event, such as the sale of their home.

C.A.R. commented on HUD Proposed Rule, Acceptance of Private Flood Insurance for FHA-Insured Mortgages (Docket Number HUD-2020-0078; RIN 2502-AJ43)

H.R. 842 - Protecting the Right to Organize Act (PRO Act) - C.A.R. advocated on the bill's possible preemption of state law in determining the ability of real estate agents to choose to be independent contractors. H.R. 1799 - PPP Extension Act - The bill would extend the PPP to allow for two more months of applications. C.A.R. submitted comments to the House Financial Services Committee on the hearing entitled: Supporting Small Minority Owned Businesses Through the Pandemic

H.R. 68 - Housing Fairness Act - The bill would increase HUDs Fair Housing Initiatives Program by $18 million with the bulk of funds directed to increased discrimination testing under the Private Enforcement Initiative. H.R. 1319 - The American Rescue Plan Act - C.A.R. advocated for financial support for mom-and-pop landlords, the paycheck protection program, and assistance for struggling homeowners. H.R. 2126 - Housing Supply and Affordability Act - Will create a housing grant program that state and local governments can apply for to create more housing units. H.R. 3684 - INVEST in America Act - C.A.R. advocated against the Fannie Mae and Freddie Mac fee in the bill used to offset the cost. S. 769 - Housing Fairness Act - The bill would increase HUDs Fair Housing Initiatives Program by $18 million with the bulk of funds directed to increased discrimination testing under the Private Enforcement Initiative S. 902 - Housing Supply and Affordability Act - Will create a housing grant program that state and local governments can apply for to create more housing units. S. Con. Res. 14 - The Concurrent Resolution on the Budget for Fiscal Year 2022 - C.A.R. advocated in support of housing provisions that would create incentive for additional housing units, increase funding for Fair Housing enforcement and provide downpayment assistance. C.A.R. submitted comments for the House Financial Services Committee Hearing, Justice for All: Achieving Racial Equity Through Fair Access to Housing and Financial Services C.A.R. advocated on the topic of making housing a part of infrastructure and transportation. C.A.R. advocated to Congress and has submitted comments to HUD asking the FHA and HUD to reduce the FHA mortgage insurance premium. C.A.R. submitted comments to the FHFA for their Request for Information on Appraisal-Related Policies, Practices, and Processes. C.A.R. advocated for the elimination of risk based pricing by Fannie Mae and Freddie Mac. C.A.R. advocated for the reform of Fannie Mae and Freddie Mac to bring them out of conservatorship. C.A.R. commented on the House Financial Services Hearing Build Back Better; Investing in Equitable and Affordable Housing Infrastructure C.A.R. Commented on the Senate Committee on Appropriations Hearing, the The American Jobs Plan: Infrastructure, Climate Change and Investing in our Nation's Future. C.A.R. commented on HUD Rule Docket No. FR-6249-I-01, Restoring Affirmatively Furthering Fair Housing Definitions and Certifications. C.A.R. advocated for an increase in funding for HUD's Office of Fair Housing and Equal Opportunity. C.A.R. worked with Congress to improve the Emergency Rental Assistance program.

C.A.R. commented on HUD Proposed Rule, Acceptance of Private Flood Insurance for FHA-Insured Mortgages (Docket Number HUD-2020-0078; RIN 2502-AJ43)

H.R. 5 - The Equality Act - C.A.R. advocated on expanding the Fair Housing Act to cover sexual orientation and sexual identity.

H.R. 842 - Protecting the Right to Organize Act (PRO Act) - C.A.R. advocated on the bill's possible preemption of state law in determining the ability of real estate agents to choose to be independent contractors. H.R. 1799 - PPP Extension Act - The bill would extend the PPP to allow for two more months of applications. C.A.R. submitted comments to the House Financial Services Committee on the hearing entitled: Supporting Small Minority Owned Businesses Through the Pandemic

H.R. 613 - the SALT Deductibility Act - Would eliminate the cap on state and local tax deductions. H.R. 2143 - Neighborhood Homes Investment Act - Will offer tax credits to attract private investment for building and rehabilitating owner-occupied homes. S. 98 - Neighborhood Homes Investment Act - Will offer tax credits to attract private investment for building and rehabilitating owner-occupied homes. C.A.R. advocated for a first time homebuyer tax credit with members of Congress. C.A.R. advocated for a tax credit for commercial property owners to convert their properties to residential units. C.A.R. discussed the issue of 1031 exchanges and their importance in the California real estate market with members of Congress. C.A.R. discussed with Congress the issue of applying a capital gains tax upon death, which would eliminate the benefit of stepped-up basis. C.A.R. discussed with Congress the issue of higher capital gains tax rates for individuals who show higher incomes one-year because of an infrequent event, such as the sale of their home.

H.R. 68 - Housing Fairness Act - The bill would increase HUDs Fair Housing Initiatives Program by $18 million with the bulk of funds directed to increased discrimination testing under the Private Enforcement Initiative. H.R. 1319 - The American Rescue Plan Act - C.A.R. advocated for financial support for mom-and-pop landlords, the paycheck protection program, and assistance for struggling homeowners. H.R. 2126 - Housing Supply and Affordability Act - Will create a housing grant program that state and local governments can apply for to create more housing units. S. 769 - Housing Fairness Act - The bill would increase HUDs Fair Housing Initiatives Program by $18 million with the bulk of funds directed to increased discrimination testing under the Private Enforcement Initiative S. 902 - Housing Supply and Affordability Act - Will create a housing grant program that state and local governments can apply for to create more housing units. C.A.R. submitted comments for the House Financial Services Committee Hearing, Justice for All: Achieving Racial Equity Through Fair Access to Housing and Financial Services C.A.R. advocated on the topic of making housing a part of infrastructure and transportation. C.A.R. advocated to Congress and has submitted comments to HUD asking the FHA and HUD to reduce the FHA mortgage insurance premium. C.A.R. submitted comments to the FHFA for their Request for Information on Appraisal-Related Policies, Practices, and Processes. C.A.R. advocated for the elimination of risk based pricing by Fannie Mae and Freddie Mac. C.A.R. advocated for the reform of Fannie Mae and Freddie Mac to bring them out of conservatorship. C.A.R. commented on the House Financial Services Hearing Build Back Better; Investing in Equitable and Affordable Housing Infrastructure C.A.R. Commented on the Senate Committee on Appropriations Hearing, the The American Jobs Plan: Infrastructure, Climate Change and Investing in our Nation's Future. C.A.R. commented on HUD Rule Docket No. FR-6249-I-01, Restoring Affirmatively Furthering Fair Housing Definitions and Certifications. C.A.R. advocated for an increase in funding for HUD's Office of Fair Housing and Equal Opportunity.

H.R. 5 - The Equality Act - C.A.R. advocated on expanding the Fair Housing Act to cover sexual orientation and sexual identity.

H.R. 613 - the SALT Deductibility Act - Would eliminate the cap on state and local tax deductions. C.A.R. advocated for a first time homebuyer tax credit with members of Congress. C.A.R. advocated for a tax credit for commercial property owners to convert their properties to residential units. C.A.R. discussed the issue of 1031 exchanges and their importance in the California real estate market with members of Congress.

H.R. 842 - Protecting the Right to Organize Act (PRO Act) - C.A.R. advocated on the bill's possible preemption of state law in determining the ability of real estate agents to choose to be independent contractors. H.R. 1799 - PPP Extension Act - The bill would extend the PPP to allow for two more months of applications. C.A.R. submitted comments to the House Financial Services Committee on the hearing entitled: Supporting Small Minority Owned Businesses Through the Pandemic

H.R. 188; SALT Deductibility Act; would remove the cap on state and local tax deductions. H.R. 257; SALT Fairness Act of 2019; would remove the cap on state and local tax deductions. H.R. 515; State and Local Tax Deduction Fairness Act of 2019; would remove the cap on state and local tax deductions. H.R. 1142; Stop the Attack on Local Taxpayers Act of 2019; would repeal the cap on state and local tax deductions. H.R. 2624; SALT Relief and Marriage Penalty Elimination Act of 2019; would raise the cap on state and local tax deduction to the level of the standard deduction. H.R. 5377; Restoring Tax Fairness for States and Localities Act; would double the SALT cap for married couples in 2019 and eliminate the SALT cap for 2020 & 2021. S. 437; Stop the Attack on Local Taxpayers Act; would repeal the cap on state and local tax deductions. C.A.R. spoke to Congress about the need to eliminate the cap on state and local tax deductions and/or take necessary action to change the current law to mitigate its impact. C.A.R. spoke to Congress about needing a home buyer tax incentive for home buyers who do not benefit from the mortgage interest deduction. C.A.R. spoke to Congress about indexing for inflation the mortgage interest deduction. C.A.R. spoke to Congress about changes to the capital gains exclusion for primary residences to make it easier to use in high-cost areas. C.A.R. spoke to Congress about concerns regarding commercial blight in the wake of the COVID-19 crisis, and incentives to avoid this. C.A.R. contacted Treasury and the IRS regarding extending the deadlines for 1031 exchanges and quarterly estimated taxes.

H.R. 133; Making consolidated appropriations for the fiscal year ending September 30, 2021, providing coronavirus emergency response and relief, and for other purposes. Specifically the provisions pertaining to the Paycheck Protection Program, the Pandemic Unemployment Assistance Program, the eviction moratorium, and the rental assistance. H.R. 299; Blue Water Navy Vietnam Veterans Act of 2019; Would remove the loan limit on V.A. home loans and increase the fee on the loans. H.R. 748; Coronavirus Aid, Relief, and Economic Security Act or the CARES Act; Creates forgivable loans for small businesses and independent Contractors. Would also provide Pandemic Unemployment Assistance for people who do not historically qualify for unemployment insurance. H.R. 6364, S 3533; Securing and Enabling Commerce Using Remote and Electronic Notarization Act, would allow for remote online notarization. H.R. 2162; Housing Financial Literacy Act of 2019; Would reduce the FHA single-family mortgage insurance premium for first-time homebuyers who completed a housing counseling course. H.R. 3141; FHA Loan Affordability Act of 2019; Would eliminate the FHA mortgage insurance premium once the LTV has reached 78 percent. H.R 3504; Ryan Kules Specially Adaptive Housing Improvement Act of 2019; would extend increases in the VA home loan guarantee program. H.R. 6800; Health and Economic Recovery Omnibus Emergency Solutions Act or the HEROES Act; would provide tenant and landlord assistance, expand the Paycheck Protection Program, extend foreclosure and eviction moratoriums, and other actions. H.R. 6886; Paycheck Protection Program Flexibility Act of 2020; The bill would make changes to the Paycheck Protection Program. C.A.R. spoke with the National Economic Council about mortgage finance reform, conforming loan limits, FHA home loan premiums, and California's housing supply. C.A.R. spoke to Congress about the need for the Federal government to look for ways to stimulate the housing supply in California. C.A.R. spoke to Congress about the risk HECM loans pose to the safety and soundness of the Mutual Mortgage Insurance Fund and the cost to home owners. C.A.R. spoke to Congress about the need to support affordable housing for home ownership. C.A.R. spoke to Congress about mortgage finance Reform proposals. This includes the government guarantee, conforming loan limits and due on sale clauses. C.A.R. spoke to Congress about flood insurance proposals. C.A.R. spoke to Congress about the proposed fee increase for Fannie Mae and Freddie Mac's guarantee fee in the Administration's proposed budget. C.A.R. spoke to Congress about the importance of and Infrastructure bill to the Housing market. C.A.R. Spoke to HUD about finalizing the FHA condo rule. C.A.R. spoke to HUD about adjusting the FHA mortgage insurance premium. C.A.R. spoke to HUD about needing to look at the Service Animals Guidelines for more clarification. C.A.R. spoke to the FHFA regarding the Conforming Loan Limits for Fannie Mae and Freddie Mac. C.A.R. spoke to the FHFA regarding the guarantee fee charged by Fannie Mae and Freddie Mac. C.A.R. spoke to the FHFA regarding the Duty to Serve for Fannie Mae and Freddie Mac. C.A.R. spoke to the FHFA regarding the conservatorship and capital retention of Fannie Mae and Freddie Mac. C.A.R. spoke to the FHFA regarding the Due on Sale clauses of Fannie Mae and Freddie Mac. C.A.R. spoke to the FHFA regarding affordable housing programs by Fannie Mae and Freddie Mac. C.A.R. commented on the HUD Housing Finance Reform Plan C.A.R. commented on the Treasury Housing Reform Plan C.A.R. commented on HUD RFI Docket Number FR-6187-N-01 White House Council on Eliminating Regulatory Barriers to Affordable Housing C.A.R. Discussed For-Profit Shared Equity programs with the CFPB and the FHFA. C.A.R. commented on potential increases in bulk sales of government back/owned REOs. C.A.R. discussed FHA mortgage insurance premium levels during the COVID-19 crisis. C.A.R. commented on FHFA policy for GSEs purchasing of qualified mortgages in forbearance. C.A.R. commented on HUD policy for FHA insuring qualified mortgages in forbearance. C.A.R. discussed market liquidity during the housing crisis with HUD and the FHFA. C.A.R. commented on RIN 2590-AA95: Notice of Proposed Rulemaking; Enterprise Regulatory Capital Framework.

H.R. 2157; Additional Supplemental Appropriations for Disaster Relief Act; extends the national flood insurance program's re-authorization. H.R. 3167; National Flood Insurance Program Re-authorization Act; would reform the national flood insurance program and extend the re-authorization. C.A.R. spoke with Congress regarding proposals to reform the mortgage flood insurance program. C.A.R. spoke with Congress regarding the difficulty of procuring fire insurance in areas throughout California.

H.R. 5; Equality Act; Would prohibit discrimination based on sex, sexual orientation, and gender identity in a wide variety of areas including public accommodations and facilities, education, federal funding, employment, housing, credit, and the jury system. H.R. 2402; Fair and Equal Housing Act; Would amend the Fair Housing Act (FHA) under the Civil Rights Act of 1968 to add sexual orientation and gender identity as classes protected against discrimination in the sale, rental, or financing of housing. S. 788; Equality Act; Would prohibit discrimination based on sex, sexual orientation, and gender identity in a wide variety of areas including public accommodations and facilities, education, federal funding, employment, housing, credit, and the jury system. S. 1246; Fair and Equal Housing Act; Would amend the Fair Housing Act (FHA) under the Civil Rights Act of 1968 to add sexual orientation and gender identity as classes protected against discrimination in the sale, rental, or financing of housing. C.A.R. spoke with Congress regarding landlord improvements to meet the Americans with Disabilities Act requirements. C.A.R. submitted comments on the CFPB 2020-0026; Request for Information on the Equal Credit Opportunity Act and Regulation B

C.A.R. commented on CFPB-2019-0011 Advance Notice of Proposed Rulemaking on Property Assessed Clean Energy financing. C.A.R. commented on PACE RFI Notice No 2020-N-1 C.A.R. spoke to Congress about the impact PACE loans are having in various communities. C.A.R. spoke to the Consumer Financial Protection Bureau about property assessed clean energy loans.

H.R. 299; Blue Water Navy Vietnam Veterans Act of 2019; Would remove the loan limit on V.A. home loans and increase the fee on the loans. H.R. 748; Coronavirus Aid, Relief, and Economic Security Act or the CARES Act; Creates forgivable loans for small businesses and independent Contractors. Would also provide Pandemic Unemployment Assistance for people who do not historically qualify for unemployment insurance. H.R. 6364, S 3533; Securing and Enabling Commerce Using Remote and Electronic Notarization Act, would allow for remote online notarization. H.R. 2162; Housing Financial Literacy Act of 2019; Would reduce the FHA single-family mortgage insurance premium for first-time homebuyers who completed a housing counseling course. H.R. 3141; FHA Loan Affordability Act of 2019; Would eliminate the FHA mortgage insurance premium once the LTV has reached 78 percent. H.R 3504; Ryan Kules Specially Adaptive Housing Improvement Act of 2019; would extend increases in the VA home loan guarantee program. H.R. 6800; Health and Economic Recovery Omnibus Emergency Solutions Act or the HEROES Act; would provide tenant and landlord assistance, expand the Paycheck Protection Program, extend foreclosure and eviction moratoriums, and other actions. H.R. 6886; Paycheck Protection Program Flexibility Act of 2020; The bill would make changes to the Paycheck Protection Program. C.A.R. spoke with the National Economic Council about mortgage finance reform, conforming loan limits, FHA home loan premiums, and California's housing supply. C.A.R. spoke to Congress about the need for the Federal government to look for ways to stimulate the housing supply in California. C.A.R. spoke to Congress about the risk HECM loans pose to the safety and soundness of the Mutual Mortgage Insurance Fund and the cost to home owners. C.A.R. spoke to Congress about the need to support affordable housing for home ownership. C.A.R. spoke to Congress about mortgage finance Reform proposals. This includes the government guarantee, conforming loan limits and due on sale clauses. C.A.R. spoke to Congress about flood insurance proposals. C.A.R. spoke to Congress about the proposed fee increase for Fannie Mae and Freddie Mac's guarantee fee in the Administration's proposed budget. C.A.R. spoke to Congress about the importance of and Infrastructure bill to the Housing market. C.A.R. Spoke to HUD about finalizing the FHA condo rule. C.A.R. spoke to HUD about adjusting the FHA mortgage insurance premium. C.A.R. spoke to HUD about needing to look at the Service Animals Guidelines for more clarification. C.A.R. spoke to the FHFA regarding the Conforming Loan Limits for Fannie Mae and Freddie Mac. C.A.R. spoke to the FHFA regarding the guarantee fee charged by Fannie Mae and Freddie Mac. C.A.R. spoke to the FHFA regarding the Duty to Serve for Fannie Mae and Freddie Mac. C.A.R. spoke to the FHFA regarding the conservatorship and capital retention of Fannie Mae and Freddie Mac. C.A.R. spoke to the FHFA regarding the Due on Sale clauses of Fannie Mae and Freddie Mac. C.A.R. spoke to the FHFA regarding affordable housing programs by Fannie Mae and Freddie Mac. C.A.R. commented on the HUD Housing Finance Reform Plan C.A.R. commented on the Treasury Housing Reform Plan C.A.R. commented on HUD RFI Docket Number FR-6187-N-01 White House Council on Eliminating Regulatory Barriers to Affordable Housing C.A.R. Discussed For-Profit Shared Equity programs with the CFPB and the FHFA. C.A.R. commented on potential increases in bulk sales of government back/owned REOs. C.A.R. discussed FHA mortgage insurance premium levels during the COVID-19 crisis. C.A.R. commented on FHFA policy for GSEs purchasing of qualified mortgages in forbearance. C.A.R. commented on HUD policy for FHA insuring qualified mortgages in forbearance. C.A.R. discussed market liquidity during the housing crisis with HUD and the FHFA. C.A.R. commented on RIN 2590-AA95: Notice of Proposed Rulemaking; Enterprise Regulatory Capital Framework.

H.R. 188; SALT Deductibility Act; would remove the cap on state and local tax deductions. H.R. 257; SALT Fairness Act of 2019; would remove the cap on state and local tax deductions. H.R. 515; State and Local Tax Deduction Fairness Act of 2019; would remove the cap on state and local tax deductions. H.R. 1142; Stop the Attack on Local Taxpayers Act of 2019; would repeal the cap on state and local tax deductions. H.R. 2624; SALT Relief and Marriage Penalty Elimination Act of 2019; would raise the cap on state and local tax deduction to the level of the standard deduction. H.R. 5377; Restoring Tax Fairness for States and Localities Act; would double the SALT cap for married couples in 2019 and eliminate the SALT cap for 2020 & 2021. S. 437; Stop the Attack on Local Taxpayers Act; would repeal the cap on state and local tax deductions. C.A.R. spoke to Congress about the need to eliminate the cap on state and local tax deductions and/or take necessary action to change the current law to mitigate its impact. C.A.R. spoke to Congress about needing a home buyer tax incentive for home buyers who do not benefit from the mortgage interest deduction. C.A.R. spoke to Congress about indexing for inflation the mortgage interest deduction. C.A.R. spoke to Congress about changes to the capital gains exclusion for primary residences to make it easier to use in high-cost areas. C.A.R. spoke to Congress about concerns regarding commercial blight in the wake of the COVID-19 crisis, and incentives to avoid this. C.A.R. contacted Treasury and the IRS regarding extending the deadlines for 1031 exchanges and quarterly estimated taxes.

C.A.R. spoke to Congress about Data Privacy and the impact new laws and regulations may have on small businesses.

H.R. 188; SALT Deductibility Act; would remove the cap on state and local tax deductions. H.R. 257; SALT Fairness Act of 2019; would remove the cap on state and local tax deductions. H.R. 515; State and Local Tax Deduction Fairness Act of 2019; would remove the cap on state and local tax deductions. H.R. 1142; Stop the Attack on Local Taxpayers Act of 2019; would repeal the cap on state and local tax deductions. H.R. 2624; SALT Relief and Marriage Penalty Elimination Act of 2019; would raise the cap on state and local tax deduction to the level of the standard deduction. H.R. 5377; Restoring Tax Fairness for States and Localities Act; would double the SALT cap for married couples in 2019 and eliminate the SALT cap for 2020 & 2021. S. 437; Stop the Attack on Local Taxpayers Act; would repeal the cap on state and local tax deductions. C.A.R. spoke to Congress about the need to eliminate the cap on state and local tax deductions and/or take necessary action to change the current law to mitigate its impact. C.A.R. spoke to Congress about needing a home buyer tax incentive for home buyers who do not benefit from the mortgage interest deduction. C.A.R. spoke to Congress about indexing for inflation the mortgage interest deduction. C.A.R. spoke to Congress about changes to the capital gains exclusion for primary residences to make it easier to use in high-cost areas. C.A.R. spoke to Congress about concerns regarding commercial blight in the wake of the COVID-19 crisis, and incentives to avoid this. C.A.R. contacted Treasury and the IRS regarding extending the deadlines for 1031 exchanges and quarterly estimated taxes.

H.R. 2157; Additional Supplemental Appropriations for Disaster Relief Act; extends the national flood insurance program's re-authorization. H.R. 3167; National Flood Insurance Program Re-authorization Act; would reform the national flood insurance program and extend the re-authorization. C.A.R. spoke with Congress regarding proposals to reform the mortgage flood insurance program. C.A.R. spoke with Congress regarding the difficulty of procuring fire insurance in areas throughout California.

H.R. 5; Equality Act; Would prohibit discrimination based on sex, sexual orientation, and gender identity in a wide variety of areas including public accommodations and facilities, education, federal funding, employment, housing, credit, and the jury system. H.R. 2402; Fair and Equal Housing Act; Would amend the Fair Housing Act (FHA) under the Civil Rights Act of 1968 to add sexual orientation and gender identity as classes protected against discrimination in the sale, rental, or financing of housing. S. 788; Equality Act; Would prohibit discrimination based on sex, sexual orientation, and gender identity in a wide variety of areas including public accommodations and facilities, education, federal funding, employment, housing, credit, and the jury system. S. 1246; Fair and Equal Housing Act; Would amend the Fair Housing Act (FHA) under the Civil Rights Act of 1968 to add sexual orientation and gender identity as classes protected against discrimination in the sale, rental, or financing of housing. C.A.R. spoke with Congress regarding landlord improvements to meet the Americans with Disabilities Act requirements.

C.A.R. commented on CFPB-2019-0011 Advance Notice of Proposed Rulemaking on Property Assessed Clean Energy financing. C.A.R. commented on PACE RFI Notice No 2020-N-1 C.A.R. spoke to Congress about the impact PACE loans are having in various communities. C.A.R. spoke to the Consumer Financial Protection Bureau about property assessed clean energy loans.

H.R. 5; Equality Act; Would prohibit discrimination based on sex, sexual orientation, and gender identity in a wide variety of areas including public accommodations and facilities, education, federal funding, employment, housing, credit, and the jury system. H.R. 2402; Fair and Equal Housing Act; Would amend the Fair Housing Act (FHA) under the Civil Rights Act of 1968 to add sexual orientation and gender identity as classes protected against discrimination in the sale, rental, or financing of housing. S. 788; Equality Act; Would prohibit discrimination based on sex, sexual orientation, and gender identity in a wide variety of areas including public accommodations and facilities, education, federal funding, employment, housing, credit, and the jury system. S. 1246; Fair and Equal Housing Act; Would amend the Fair Housing Act (FHA) under the Civil Rights Act of 1968 to add sexual orientation and gender identity as classes protected against discrimination in the sale, rental, or financing of housing. C.A.R. spoke with Congress regarding landlord improvements to meet the Americans with Disabilities Act requirements.

H.R. 188; SALT Deductibility Act; would remove the cap on state and local tax deductions. H.R. 257; SALT Fairness Act of 2019; would remove the cap on state and local tax deductions. H.R. 515; State and Local Tax Deduction Fairness Act of 2019; would remove the cap on state and local tax deductions. H.R. 1142; Stop the Attack on Local Taxpayers Act of 2019; would repeal the cap on state and local tax deductions. H.R. 2624; SALT Relief and Marriage Penalty Elimination Act of 2019; would raise the cap on state and local tax deduction to the level of the standard deduction. H.R. 5377; Restoring Tax Fairness for States and Localities Act; would double the SALT cap for married couples in 2019 and eliminate the SALT cap for 2020 & 2021. S. 437; Stop the Attack on Local Taxpayers Act; would repeal the cap on state and local tax deductions. C.A.R. spoke to Congress about the need to eliminate the cap on state and local tax deductions and/or take necessary action to change the current law to mitigate its impact. C.A.R. spoke to Congress about needing a home buyer tax incentive for home buyers who do not benefit from the mortgage interest deduction. C.A.R. spoke to Congress about indexing for inflation the mortgage interest deduction. C.A.R. spoke to Congress about changes to the capital gains exclusion for primary residences to make it easier to use in high-cost areas.

H.R. 299; Blue Water Navy Vietnam Veterans Act of 2019; Would remove the loan limit on V.A. home loans and increase the fee on the loans. H.R. 748; Coronavirus Aid, Relief, and Economic Security Act or the CARES Act; Creates forgivable loans for small businesses and independent Contractors. Would also provide Pandemic Unemployment Assistance for people who do not historically qualify for unemployment insurance. H.R. 6364, S 3533; Securing and Enabling Commerce Using Remote and Electronic Notarization Act, would allow for remote online notarization. H.R. 2162; Housing Financial Literacy Act of 2019; Would reduce the FHA single-family mortgage insurance premium for first-time homebuyers who completed a housing counseling course. H.R. 3141; FHA Loan Affordability Act of 2019; Would eliminate the FHA mortgage insurance premium once the LTV has reached 78 percent. H.R 3504; Ryan Kules Specially Adaptive Housing Improvement Act of 2019; would extend increases in the VA home loan guarantee program. C.A.R. spoke with the National Economic Council about mortgage finance reform, conforming loan limits, FHA home loan premiums, and California's housing supply. C.A.R. spoke to Congress about the need for the Federal government to look for ways to stimulate the housing supply in California. C.A.R. spoke to Congress about the risk HECM loans pose to the safety and soundness of the Mutual Mortgage Insurance Fund and the cost to home owners. C.A.R. spoke to Congress about the need to support affordable housing for home ownership. C.A.R. spoke to Congress about mortgage finance Reform proposals. This includes the government guarantee, conforming loan limits and due on sale clauses. C.A.R. spoke to Congress about flood insurance proposals. C.A.R. spoke to Congress about the proposed fee increase for Fannie Mae and Freddie Mac's guarantee fee in the Administration's proposed budget. C.A.R. spoke to Congress about the importance of and Infrastructure bill to the Housing market. C.A.R. Spoke to HUD about finalizing the FHA condo rule. C.A.R. spoke to HUD about adjusting the FHA mortgage insurance premium. C.A.R. spoke to HUD about needing to look at the Service Animals Guidelines for more clarification. C.A.R. spoke to the FHFA regarding the Conforming Loan Limits for Fannie Mae and Freddie Mac. C.A.R. spoke to the FHFA regarding the guarantee fee charged by Fannie Mae and Freddie Mac. C.A.R. spoke to the FHFA regarding the Duty to Serve for Fannie Mae and Freddie Mac. C.A.R. spoke to the FHFA regarding the conservatorship and capital retention of Fannie Mae and Freddie Mac. C.A.R. spoke to the FHFA regarding the Due on Sale clauses of Fannie Mae and Freddie Mac. C.A.R. spoke to the FHFA regarding affordable housing programs by Fannie Mae and Freddie Mac. C.A.R. commented on the HUD Housing Finance Reform Plan C.A.R. commented on the Treasury Housing Reform Plan C.A.R. commented on HUD RFI Docket Number FR-6187-N-01 White House Council on Eliminating Regulatory Barriers to Affordable Housing C.A.R. Discussed For-Profit Shared Equity programs with the CFPB and the FHFA.

C.A.R. commented on CFPB-2019-0011 Advance Notice of Proposed Rulemaking on Property Assessed Clean Energy financing. C.A.R. spoke to Congress about the impact PACE loans are having in various communities. C.A.R. spoke to the Consumer Financial Protection Bureau about property assessed clean energy loans.

H.R. 188; SALT Deductibility Act; would remove the cap on state and local tax deductions. H.R. 257; SALT Fairness Act of 2019; would remove the cap on state and local tax deductions. H.R. 515; State and Local Tax Deduction Fairness Act of 2019; would remove the cap on state and local tax deductions. H.R. 1142; Stop the Attack on Local Taxpayers Act of 2019; would repeal the cap on state and local tax deductions. H.R. 2624; SALT Relief and Marriage Penalty Elimination Act of 2019; would raise the cap on state and local tax deduction to the level of the standard deduction. H.R. 5377; Restoring Tax Fairness for States and Localities Act; would double the SALT cap for married couples in 2019 and eliminate the SALT cap for 2020 & 2021. S. 437; Stop the Attack on Local Taxpayers Act; would repeal the cap on state and local tax deductions. C.A.R. spoke to Congress about the need to eliminate the cap on state and local tax deductions and/or take necessary action to change the current law to mitigate its impact. C.A.R. spoke to Congress about needing a home buyer tax incentive for home buyers who do not benefit from the mortgage interest deduction. C.A.R. spoke to Congress about indexing for inflation the mortgage interest deduction. C.A.R. spoke to Congress about changes to the capital gains exclusion for primary residences to make it easier to use in high-cost areas.

H.R. 2157; Additional Supplemental Appropriations for Disaster Relief Act; extends the national flood insurance program's re-authorization. H.R. 3167; National Flood Insurance Program Re-authorization Act; would reform the national flood insurance program and extend the re-authorization. C.A.R. spoke with Congress regarding proposals to reform the mortgage flood insurance program. C.A.R. spoke with Congress regarding the difficulty of procuring fire insurance in areas throughout California.

H.R. 5; Equality Act; Would prohibit discrimination based on sex, sexual orientation, and gender identity in a wide variety of areas including public accommodations and facilities, education, federal funding, employment, housing, credit, and the jury system. H.R. 2402; Fair and Equal Housing Act; Would amend the Fair Housing Act (FHA) under the Civil Rights Act of 1968 to add sexual orientation and gender identity as classes protected against discrimination in the sale, rental, or financing of housing. S. 788; Equality Act; Would prohibit discrimination based on sex, sexual orientation, and gender identity in a wide variety of areas including public accommodations and facilities, education, federal funding, employment, housing, credit, and the jury system. S. 1246; Fair and Equal Housing Act; Would amend the Fair Housing Act (FHA) under the Civil Rights Act of 1968 to add sexual orientation and gender identity as classes protected against discrimination in the sale, rental, or financing of housing. C.A.R. spoke with Congress regarding landlord improvements to meet the Americans with Disabilities Act requirements.

H.R. 188; SALT Deductibility Act; would remove the cap on state and local tax deductions. H.R. 257; SALT Fairness Act of 2019; would remove the cap on state and local tax deductions. H.R. 515; State and Local Tax Deduction Fairness Act of 2019; would remove the cap on state and local tax deductions. H.R. 1142; Stop the Attack on Local Taxpayers Act of 2019; would repeal the cap on state and local tax deductions. H.R. 2624; SALT Relief and Marriage Penalty Elimination Act of 2019; would raise the cap on state and local tax deduction to the level of the standard deduction. S. 437; Stop the Attack on Local Taxpayers Act; would repeal the cap on state and local tax deductions. C.A.R. spoke to Congress about the need to eliminate the cap on state and local tax deductions and/or take necessary action to change the current law to mitigate its impact. C.A.R. spoke to Congress about needing a home buyer tax incentive for home buyers who do not benefit from the mortgage interest deduction. C.A.R. spoke to Congress about indexing for inflation the mortgage interest deduction. C.A.R. spoke to Congress about changes to the capital gains exclusion for primary residences to make it easier to use in high-cost areas.

H.R. 5; Equality Act; Would prohibit discrimination based on sex, sexual orientation, and gender identity in a wide variety of areas including public accommodations and facilities, education, federal funding, employment, housing, credit, and the jury system. H.R. 2402; Fair and Equal Housing Act; Would amend the Fair Housing Act (FHA) under the Civil Rights Act of 1968 to add sexual orientation and gender identity as classes protected against discrimination in the sale, rental, or financing of housing. S. 788; Equality Act; Would prohibit discrimination based on sex, sexual orientation, and gender identity in a wide variety of areas including public accommodations and facilities, education, federal funding, employment, housing, credit, and the jury system. S. 1246; Fair and Equal Housing Act; Would amend the Fair Housing Act (FHA) under the Civil Rights Act of 1968 to add sexual orientation and gender identity as classes protected against discrimination in the sale, rental, or financing of housing. C.A.R. spoke with Congress regarding landlord improvements to meet the Americans with Disabilities Act requirements.

H.R. 2157; Additional Supplemental Appropriations for Disaster Relief Act; extends the national flood insurance program's re-authorization. H.R. 3167; National Flood Insurance Program Re-authorization Act; would reform the national flood insurance program and extend the re-authorization. C.A.R. spoke with Congress regarding proposals to reform the mortgage flood insurance program. C.A.R. spoke with Congress regarding the difficulty of procuring fire insurance in areas throughout California.

C.A.R. spoke to Congress about Data Privacy and the impact new laws and regulations may have on small businesses.

C.A.R. commented on CFPB-2019-0011 Advance Notice of Proposed Rulemaking on Property Assessed Clean Energy financing. C.A.R. spoke to Congress about the impact PACE loans are having in various communities. C.A.R. spoke to the Consumer Financial Protection Bureau about property assessed clean energy loans.

H.R. 188; SALT Deductibility Act; would remove the cap on state and local tax deductions. H.R. 257; SALT Fairness Act of 2019; would remove the cap on state and local tax deductions. H.R. 515; State and Local Tax Deduction Fairness Act of 2019; would remove the cap on state and local tax deductions. H.R. 1142; Stop the Attack on Local Taxpayers Act of 2019; would repeal the cap on state and local tax deductions. H.R. 2624; SALT Relief and Marriage Penalty Elimination Act of 2019; would raise the cap on state and local tax deduction to the level of the standard deduction. S. 437; Stop the Attack on Local Taxpayers Act; would repeal the cap on state and local tax deductions. C.A.R. spoke to Congress about the need to eliminate the cap on state and local tax deductions and/or take necessary action to change the current law to mitigate its impact. C.A.R. spoke to Congress about needing a home buyer tax incentive for home buyers who do not benefit from the mortgage interest deduction. C.A.R. spoke to Congress about indexing for inflation the mortgage interest deduction. C.A.R. spoke to Congress about changes to the capital gains exclusion for primary residences to make it easier to use in high-cost areas.

C.A.R. spoke to Congress about Data Privacy and the impact new laws and regulations may have on small businesses.

H.R. 5; Equality Act; Would prohibit discrimination based on sex, sexual orientation, and gender identity in a wide variety of areas including public accommodations and facilities, education, federal funding, employment, housing, credit, and the jury system. H.R. 2402; Fair and Equal Housing Act; Would amend the Fair Housing Act (FHA) under the Civil Rights Act of 1968 to add sexual orientation and gender identity as classes protected against discrimination in the sale, rental, or financing of housing. S. 788; Equality Act; Would prohibit discrimination based on sex, sexual orientation, and gender identity in a wide variety of areas including public accommodations and facilities, education, federal funding, employment, housing, credit, and the jury system. S. 1246; Fair and Equal Housing Act; Would amend the Fair Housing Act (FHA) under the Civil Rights Act of 1968 to add sexual orientation and gender identity as classes protected against discrimination in the sale, rental, or financing of housing. C.A.R. spoke with Congress regarding landlord improvements to meet the Americans with Disabilities Act requirements.

C.A.R. spoke with Congress regarding landlord improvements to meet the Americans with Disabilities Act requirements.

C.A.R. spoke with Congress regarding proposals to reform the mortgage flood insurance program.

C.A.R. spoke to Congress about the need to eliminate the cap on state and local tax deductions and/or take necessary action to change the current law to mitigate its impact. C.A.R. spoke to Congress about needing a home buyer tax incentive for home buyers who do not benefit from the mortgage interest deduction. C.A.R. spoke to Congress about indexing for inflation the mortgage interest deduction. C.A.R. spoke to Congress about changes to the capital gains exclusion for primary residences to make it easier to use in high-cost areas.

H.R. 620; The ADA Education and Reform Act; would provide for property owners to be able to remedy any violations of the Americans with Disabilities Act prior to be sued. C.A.R. advocated on the Environmental Protection Agency's proposed rule on the definition of the Waters of the United States.

H.R. 4682: The Open Internet Preservation Act, Intended to address the issue of net neutrality. S. 2510: The Open Internet Preservation Act, Intended to address the issue of net neutrality. The possible introduction of the 21st Century Internet Act, intended to address the issue of net neutrality.

C.A.R. advocated on the issue of companion animals and service animals.

H.R. 1; Tax Cuts and Jobs Act; to reform the U.S. tax code. H.R. 110; Mortgage Debt Forgiveness Act; the bill would make permanent the exclusion from gross income of income attributable to the discharge of qualified principal residence indebtedness. H.R. 6760; Protecting Family and Small Business Tax Cuts Act; the bill would make permanent many individual tax provisions from H.R. 1, including limits on the mortgage interest deduction, and state and local tax deduction. C.A.R. discussed with Congress the doubling of the cap on state and local tax deductions for married couples filing jointly. C.A.R. discussed with Congress the indexing for inflation of the caps on the state and local tax deduction, the mortgage interest deduction and the capital gains exclusion for a primary residence. C.A.R. discussed with Congress the extension of the deduction for energy-efficient commercial buildings. C.A.R. advocated for the elimination of the SALT cap. C.A.R. advocated for a home buyer tax incentive.

H.R. 1422; Flood Insurance Market Parity and Modernization Act; the bill removes barriers for more private company participation in the flood insurance market. H.R. 1558; Repeatedly Flooded Communities Preparation Act; The bill would require NFIP communities to develop plans and make progress toward mitigating repetitive loss properties. H.R. 2246; Taxpayer Exposure Mitigation Act; The bill sets standards for communities to develop flood maps and use risk transfer tools. H.R. 2565; To require the use of replacement cost value in determining the premium rates for flood insurance coverage under the National Flood Insurance Act, and for other purposes; the bill would allow for the use of replacement cost in determining premium rates for the NFIP. H.R. 2868; National Flood Insurance Program Policyholder Protection Act; the bill establishes a cap on NFIP rates. H.R. 2874; 21st Century Flood Reform Act; the bill would reauthorize the NFIP. H.R. 2875; National Flood Insurance Program Administrative Reform Act; the bill would allow homeowners access to mitigate properties before they flood. S. 562; The Flood Insurance Market Parity and Modernization Act, which would reduce barriers to private flood insurance.

H.R. 1447; the Fair and Equal Housing Act; would amend the Fair Housing Act to add sexual orientation and gender identity as protected classes against discrimination in the sale, rental or financing of housing. S. 1328; the Fair and Equal Housing Act; would amend the Fair Housing Act to add sexual orientation and gender identity as protected classes against discrimination in the sale, rental or financing of housing.

H.R. 916; Risk Management and Homeowner Stability Act; the bill would prohibit the use of Fannie Mae and Freddie Mac guarantee fees to offset the budget. H.R. 1694; Fannie and Freddie Open Records Act; the bill would require Fannie Mae and Freddie Mac to be subject to the Freedom of Information Act while in conservatorship. S. 2155; Economic Growth, Regulatory Relief, and Consumer Protection Act; which would make changes to the regulation of Property Assessed Clean Energy Loans, appraisals and qualified mortgages. H.R. 6746; Protecting American Taxpayers and Homeowners Act; the bill would reform the mortgage finance system; including the FHA home loan program and the conventional mortgage market. C.A.R. discussed the "Enterprise Paid Mortgage Insurance" pilot program with Fannie Mae and Freddie Mac.

H.R. 916; Risk Management and Homeowner Stability Act; the bill would prohibit the use of Fannie Mae and Freddie Mac guarantee fees to offset the budget. H.R. 1694; Fannie and Freddie Open Records Act; the bill would require Fannie Mae and Freddie Mac to be subject to the Freedom of Information Act while in conservatorship. S. 2155; Economic Growth, Regulatory Relief, and Consumer Protection Act; which would make changes to the regulation of Property Assessed Clean Energy Loans, appraisals and qualified mortgages. H.R. 6746; Protecting American Taxpayers and Homeowners Act; the bill would reform the mortgage finance system; including the FHA home loan program and the conventional mortgage market. C.A.R. discussed the "Enterprise Paid Mortgage Insurance" pilot program with Fannie Mae and Freddie Mac.

H.R. 1422; Flood Insurance Market Parity and Modernization Act; the bill removes barriers for more private company participation in the flood insurance market. H.R. 1558; Repeatedly Flooded Communities Preparation Act; The bill would require NFIP communities to develop plans and make progress toward mitigating repetitive loss properties. H.R. 2246; Taxpayer Exposure Mitigation Act; The bill sets standards for communities to develop flood maps and use risk transfer tools. H.R. 2565; To require the use of replacement cost value in determining the premium rates for flood insurance coverage under the National Flood Insurance Act, and for other purposes; the bill would allow for the use of replacement cost in determining premium rates for the NFIP. H.R. 2868; National Flood Insurance Program Policyholder Protection Act; the bill establishes a cap on NFIP rates. H.R. 2874; 21st Century Flood Reform Act; the bill would reauthorize the NFIP. H.R. 2875; National Flood Insurance Program Administrative Reform Act; the bill would allow homeowners access to mitigate properties before they flood. S. 562; The Flood Insurance Market Parity and Modernization Act, which would reduce barriers to private flood insurance.

H.R. 620; The ADA Education and Reform Act; would provide for property owners to be able to remedy any violations of the Americans with Disabilities Act prior to be sued. C.A.R. advocated on the Environmental Protection Agency's proposed rule on the definition of the Waters of the United States.

C.A.R. advocated on the issue of companion animals and service animals.

H.R. 898; Credit Score Competition Act of 2017; To require Fannie Mae and Freddie Mac to establish procedures for considering certain credit scores in making a determination whether to purchase a residential mortgage, and for other purposes. H.R. 916; Risk Management and Homeowners Stability Act of 2017; The bill amends the Congressional Budget Act of 1974 to prohibit the chairs of the congressional budget committees from counting increases to guarantee fees as offsets for budget enforcement purposes. The bill includes an exception for legislation that increases guarantee fees to finance reforms to the secondary mortgage market. C.A.R. advocated the issue of mortgage finance reform with Congress. C.A.R. advocated to the FHFA, Fannie Mae and Freddie Mac to consider a second manufactured home (that meets the real property definition) to be considered an accessory unit. C.A.R. advocated to the FHA and HUD to reinstate the policy to reduce the FHA mortgage insurance premium. C.A.R. advocated to the FHFA, Fannie Mae and Freddie Mac to reduce the guarantee fee. C.A.R. advocated to the FHFA, Fannie Mae and Freddie Mac the issue of doing business with institutional investors on single family residences for rent. C.A.R. advocated to the FHFA, Fannie Mae and Freddie Mac the issue of assumable loans. C.A.R. advocated the impact of Home Equity Conversion Mortgages on the FHA's Mutual Mortgage Insurance Fund. C.A.R. advocated the issue of fees that are payable by Veterans in a VA financed real estate transaction. C.A.R. submitted comments on Docket ID OCC-2017-0011, Notice of Proposed Rulemaking and Request for Comment "Real Estate Appraisals" C.A.R. submitted comments to the Federal Housing Finance Agency on the Fannie Mae and Freddie Mac proposal to waive appraisals for mortgages. C.A.R. discussed the idea of a fee charged by the FHA to update its technology. C.A.R. advocated on the Federal Housing Finance Agency's Credit Score; Request for Information. C.A.R. advocated on the FHA proposed FHA condo rules. C.A.R. advocated on the current inclusion of FHA home equity conversion mortgages being included in the calculation of the FHA's Mutual Mortgage Insurance Fund's statutory reserve. C.A.R. advocated on the reduction of the guarantee-fees charged by Fannie Mae and Freddie Mac following the passage of H.R. 1.

H.R. 1958; PACE Act; Would place property assessed clean energy loans under the Truth in Lending Act. S. 838; PACE Act; Would place property assessed clean energy loans under the Truth in Lending Act. C.A.R. advocated on the possible reintroduction of the Comprehensive Consumer Credit Reporting Reform Act of 2016, and its impact on consumer credit and employers ability to pull credit reports. C.A.R. advocated the issue of Property Assessed Clean Energy and the program's impact on real estate transactions, lien priority, home values and consumer protections.

H.R. 4682: The Open Internet Preservation Act, Intended to address the issue of net neutrality. S. 2510: The Open Internet Preservation Act, Intended to address the issue of net neutrality. The possible introduction of the 21st Century Internet Act, intended to address the issue of net neutrality.

H.R. 620; The ADA Education and Reform Act; would provide for property owners to be able to remedy any violations of the Americans with Disabilities Act prior to be sued. C.A.R. advocated on the Environmental Protection Agency's proposed rule on the definition of the Waters of the United States.

H.R. 916; Risk Management and Homeowner Stability Act; the bill would prohibit the use of Fannie Mae and Freddie Mac guarantee fees to offset the budget. H.R. 1694; Fannie and Freddie Open Records Act; the bill would require Fannie Mae and Freddie Mac to be subject to the Freedom of Information Act while in conservatorship. S. 2155; Economic Growth, Regulatory Relief, and Consumer Protection Act; which would make changes to the regulation of Property Assessed Clean Energy Loans, appraisals and qualified mortgages

H.R. 1958; PACE Act; Would place property assessed clean energy loans under the Truth in Lending Act. S. 838; PACE Act; Would place property assessed clean energy loans under the Truth in Lending Act. C.A.R. advocated on the possible reintroduction of the Comprehensive Consumer Credit Reporting Reform Act of 2016, and its impact on consumer credit and employers ability to pull credit reports. C.A.R. advocated the issue of Property Assessed Clean Energy and the program's impact on real estate transactions, lien priority, home values and consumer protections.

H.R. 898; Credit Score Competition Act of 2017; To require Fannie Mae and Freddie Mac to establish procedures for considering certain credit scores in making a determination whether to purchase a residential mortgage, and for other purposes. H.R. 916; Risk Management and Homeowners Stability Act of 2017; The bill amends the Congressional Budget Act of 1974 to prohibit the chairs of the congressional budget committees from counting increases to guarantee fees as offsets for budget enforcement purposes. The bill includes an exception for legislation that increases guarantee fees to finance reforms to the secondary mortgage market. C.A.R. advocated the issue of mortgage finance reform with Congress. C.A.R. advocated to the FHFA, Fannie Mae and Freddie Mac to consider a second manufactured home (that meets the real property definition) to be considered an accessory unit. C.A.R. advocated to the FHA and HUD to reinstate the policy to reduce the FHA mortgage insurance premium. C.A.R. advocated to the FHFA, Fannie Mae and Freddie Mac to reduce the guarantee fee. C.A.R. advocated to the FHFA, Fannie Mae and Freddie Mac the issue of doing business with institutional investors on single family residences for rent. C.A.R. advocated to the FHFA, Fannie Mae and Freddie Mac the issue of assumable loans. C.A.R. advocated the impact of Home Equity Conversion Mortgages on the FHA's Mutual Mortgage Insurance Fund. C.A.R. advocated the issue of fees that are payable by Veterans in a VA financed real estate transaction. C.A.R. submitted comments on Docket ID OCC-2017-0011, Notice of Proposed Rulemaking and Request for Comment "Real Estate Appraisals" C.A.R. submitted comments to the Federal Housing Finance Agency on the Fannie Mae and Freddie Mac proposal to waive appraisals for mortgages. C.A.R. discussed the idea of a fee charged by the FHA to update its technology. C.A.R. advocated on the Federal Housing Finance Agency's Credit Score; Request for Information. C.A.R. advocated on the FHA proposed FHA condo rules. C.A.R. advocated on the current inclusion of FHA home equity conversion mortgages being included in the calculation of the FHA's Mutual Mortgage Insurance Fund's statutory reserve. C.A.R. advocated on the reduction of the guarantee-fees charged by Fannie Mae and Freddie Mac following the passage of H.R. 1.

H.R. 1422; Flood Insurance Market Parity and Modernization Act; the bill removes barriers for more private company participation in the flood insurance market. H.R. 1558; Repeatedly Flooded Communities Preparation Act; The bill would require NFIP communities to develop plans and make progress toward mitigating repetitive loss properties. H.R. 2246; Taxpayer Exposure Mitigation Act; The bill sets standards for communities to develop flood maps and use risk transfer tools. H.R. 2565; To require the use of replacement cost value in determining the premium rates for flood insurance coverage under the National Flood Insurance Act, and for other purposes; the bill would allow for the use of replacement cost in determining premium rates for the NFIP. H.R. 2868; National Flood Insurance Program Policyholder Protection Act; the bill establishes a cap on NFIP rates. H.R. 2874; 21st Century Flood Reform Act; the bill would reauthorize the NFIP. H.R. 2875; National Flood Insurance Program Administrative Reform Act; the bill would allow homeowners access to mitigate properties before they flood. S. 562; The Flood Insurance Market Parity and Modernization Act, which would reduce barriers to private flood insurance.

H.R. 1447; the Fair and Equal Housing Act; would amend the Fair Housing Act to add sexual orientation and gender identity as protected classes against discrimination in the sale, rental or financing of housing. S. 1328; the Fair and Equal Housing Act; would amend the Fair Housing Act to add sexual orientation and gender identity as protected classes against discrimination in the sale, rental or financing of housing.

H.R. 620; The ADA Education and Reform Act; would provide for property owners to be able to remedy any violations of the Americans with Disabilities Act prior to be sued. C.A.R. advocated on the Environmental Protection Agency's proposed rule on the definition of the Waters of the United States.

H.R. 1958; PACE Act; Would place property assessed clean energy loans under the Truth in Lending Act. S. 838; PACE Act; Would place property assessed clean energy loans under the Truth in Lending Act. C.A.R. advocated on the possible reintroduction of the Comprehensive Consumer Credit Reporting Reform Act of 2016, and its impact on consumer credit and employers ability to pull credit reports. C.A.R. advocated the issue of Property Assessed Clean Energy and the program's impact on real estate transactions, lien priority, home values and consumer protections.

H.R. 1422; Flood Insurance Market Parity and Modernization Act; the bill removes barriers for more private company participation in the flood insurance market. H.R. 1558; Repeatedly Flooded Communities Preparation Act; The bill would require NFIP communities to develop plans and make progress toward mitigating repetitive loss properties. H.R. 2246; Taxpayer Exposure Mitigation Act; The bill sets standards for communities to develop flood maps and use risk transfer tools. H.R. 2565; To require the use of replacement cost value in determining the premium rates for flood insurance coverage under the National Flood Insurance Act, and for other purposes; the bill would allow for the use of replacement cost in determining premium rates for the NFIP. H.R. 2868; National Flood Insurance Program Policyholder Protection Act; the bill establishes a cap on NFIP rates. H.R. 2874; 21st Century Flood Reform Act; the bill would reauthorize the NFIP. H.R. 2875; National Flood Insurance Program Administrative Reform Act; the bill would allow homeowners access to mitigate properties before they flood.

C.A.R. advocated on the issue of companion animals and service animals.

H.R. 1: Tax Cuts and Jobs Act; to reform the U.S. tax code.

H.R. 916; Risk Management and Homeowner Stability Act; the bill would prohibit the use of Fannie Mae and Freddie Mac guarantee fees to offset the budget. H.R. 1694; Fannie and Freddie Open Records Act; the bill would require Fannie Mae and Freddie Mac to be subject to the Freedom of Information Act while in conservatorship. S. 2155; Economic Growth, Regulatory Relief, and Consumer Protection Act; which would make changes to the regulation of Property Assessed Clean Energy Loans, appraisals and qualified mortgages

H.Con.Res.71-Establishing the Congressional budget for the United States Government for Fiscal Year 2018 and setting forth the appropriate budgetary levels for fiscal years 2019 through 2027 - C.A.R. advocated on the tax reform aspect of the proposed resolution. H.R. 1: Tax Cuts and Jobs Act; to reform the U.S. tax code. C.A.R. advocated the proposed tax reform plan announced at the end of September.

H.R. 1422; Flood Insurance Market Parity and Modernization Act; the bill removes barriers for more private company participation in the flood insurance market. H.R. 1558; Repeatedly Flooded Communities Preparation Act; The bill would require NFIP communities to develop plans and make progress toward mitigating repetitive loss properties. H.R. 2246; Taxpayer Exposure Mitigation Act; The bill sets standards for communities to develop flood maps and use risk transfer tools. H.R. 2565; To require the use of replacement cost value in determining the premium rates for flood insurance coverage under the National Flood Insurance Act, and for other purposes; the bill would allow for the use of replacement cost in determining premium rates for the NFIP. H.R. 2868; National Flood Insurance Program Policyholder Protection Act; the bill establishes a cap on NFIP rates. H.R. 2874; 21st Century Flood Reform Act; the bill would reauthorize the NFIP. H.R. 2875; National Flood Insurance Program Administrative Reform Act; the bill would allow homeowners access to mitigate properties before they flood.

H.R. 1422; Flood Insurance Market Parity and Modernization Act; the bill removes barriers for more private company participation in the flood insurance market. H.R. 1558; Repeatedly Flooded Communities Preparation Act; The bill would require NFIP communities to develop plans and make progress toward mitigating repetitive loss properties. H.R. 2246; Taxpayer Exposure Mitigation Act; The bill sets standards for communities to develop flood maps and use risk transfer tools. H.R. 2565; To require the use of replacement cost value in determining the premium rates for flood insurance coverage under the National Flood Insurance Act, and for other purposes; the bill would allow for the use of replacement cost in determining premium rates for the NFIP. H.R. 2868; National Flood Insurance Program Policyholder Protection Act; the bill establishes a cap on NFIP rates. H.R. 2874; 21st Century Flood Reform Act; the bill would reauthorize the NFIP. H.R. 2875; National Flood Insurance Program Administrative Reform Act; the bill would allow homeowners access to mitigate properties before they flood.

H.Con.Res.71-Establishing the Congressional budget for the United States Government for Fiscal Year 2018 and setting forth the appropriate budgetary levels for fiscal years 2019 through 2027 - C.A.R. advocated on the tax reform aspect of the proposed resolution. C.A.R. advocated the proposed tax reform plan announced at the end of September.

H.R. 916; Risk Management and Homeowner Stability Act; the bill would prohibit the use of Fannie Mae and Freddie Mac guarantee fees to offset the budget. H.R. 1694; Fannie and Freddie Open Records Act; the bill would require Fannie Mae and Freddie Mac to be subject to the Freedom of Information Act while in conservatorship.

H.R. 1422; Flood Insurance Market Parity and Modernization Act; the bill removes barriers for more private company participation in the flood insurance market. H.R. 1558; Repeatedly Flooded Communities Preparation Act; The bill would require NFIP communities to develop plans and make progress toward mitigating repetitive loss properties. H.R. 2246; Taxpayer Exposure Mitigation Act; The bill sets standards for communities to develop flood maps and use risk transfer tools. H.R. 2565; To require the use of replacement cost value in determining the premium rates for flood insurance coverage under the National Flood Insurance Act, and for other purposes; the bill would allow for the use of replacement cost in determining premium rates for the NFIP. H.R. 2868; National Flood Insurance Program Policyholder Protection Act; the bill establishes a cap on NFIP rates. H.R. 2874; 21st Century Flood Reform Act; the bill would reauthorize the NFIP. H.R. 2875; National Flood Insurance Program Administrative Reform Act; the bill would allow homeowners access to mitigate properties before they flood.

C.A.R. advocated on the possible reintroduction of the Comprehensive Consumer Credit Reporting Reform Act of 2016, and its impact on consumer credit and employers ability to pull credit reports. C.A.R. advocated the issue of Property Assessed Clean Energy and the program's impact on real estate transactions, lien priority, home values and consumer protections.

H.R. 1002, Mortgage Forgiveness Tax Relief Act of 2015 - This bill would extend for two years the exclusion from gross income of discharges of qualified principal residence indebtedness. S. 608, Mortgage Forgiveness Tax Relief Act - This bill would prevent homeowners from being forced to pay taxes on forgiven mortgage loan debt for two years. C.A.R. met with members of Congress and discussed the impact of tax reform, specifically the mortgage interest deduction and 1031 exchanges, on the real estate industry.

H.R. 22 - DRIVE Act-Has a pay-for provision that would extend from 2021 to 2025 the taking of a portion of Fannie Mae and Freddie Mac guarantee fee to be put in the Treasury's general fund.

H.R. 1187, To Amend Title 38, United States Code, to adjust certain limits on the guaranteed amount of a home loan under the home loan program of the Department of Veterans Affairs

H.R. 685: The Mortgage Choice Act - The bill would make changes to the Qualified Mortgage rule by treating charges to affiliated companies the same as charges to unaffiliated companies. H.R. 5282: Comprehensive Consumer Credit Reporting Reform Act: Would change to consumer credit reporting laws. S. 1484: Financial Regulatory Improvement Act - The bill would, among other things, make changes to Fannie Mae and Freddie Mac. C.A.R. has discussed with the Federal Housing Finance Agency California's Property Assessed Clean Energy (PACE) program and its lien seniority to first mortgages.

H.R. 594, Waters of the United States Regulatory Overreach Protection Act - The bill would prohibit the U.S. Army Corps of Engineers and the Environmental Protection Agency (EPA) from implementing their "Definition of 'Waters of the United States' Under the Clean Water Act. H.R. 2901, Flood Insurance Market Parity and Modernization Act - The bill would amend the Flood Disaster Protection Act of 1973 to try and increase the availability and usage of private flood insurance. Executive Order Establishing a Federal Flood Risk Management Standard and a Process for Further Soliciting and Considering Stakeholder Input.

H.R. 594, Waters of the United States Regulatory Overreach Protection Act - The bill would prohibit the U.S. Army Corps of Engineers and the Environmental Protection Agency (EPA) from implementing their "Definition of 'Waters of the United States' Under the Clean Water Act. H.R. 2901, Flood Insurance Market Parity and Modernization Act - The bill would amend the Flood Disaster Protection Act of 1973 to try and increase the availability and usage of private flood insurance. Executive Order Establishing a Federal Flood Risk Management Standard and a Process for Further Soliciting and Considering Stakeholder Input.

H.R. 480: Housing America's Workforce Act of 2015 - Would create incentives for companies to offer housing assistance programs for their employees. H.R. 650: Preserving Access to Manufactured Housing Act of 2015 - Would make changes to the Truth in Lending Act so that more manufactured housing buyers will have access to affordable mortgages. H.R. 3700: Housing Opportunity Through Modernization Act of 2015 - Would require the FHA to look at their condo approval rules and how the FHA treats transfer fee covenants. C.A.R. met with members of Congress and discussed the continued role of the government in the mortgage finance system, including Fannie Mae, Freddie Mac, and the Federal Housing Administration. C.A.R. met with members of Congress and discussed the impact of proposed "market based" accounting would have on the Federal Housing Administration. C.A.R. met with the Federal Housing Finance Agency and the Federal Housing Administration to discuss the auction of distressed notes. C.A.R. met with the Federal Housing Finance Agency and the Federal Housing Administration to discuss ways to expand home ownership opportunities in under served communities. C.A.R. met with the Federal Housing Finance Agency to discuss the guarantee fee currently being charged by Fannie Mae and Freddie Mac. C.A.R. discussed the August 1 rollout of the new Truth in Lending Act's closing document. C.A.R. discussed with the Federal Housing Administration the FHA's condo requirements. C.A.R. discussed with the Federal Housing Administration the FHA's guidelines on assumable loans. C.A.R. discussed with the Federal Housing Administration the FHA's mortgage insurance premiums. C.A.R. submitted a letter to the Federal Housing Administration with recommendations on guidelines for property assessed clean energy loans. C.A.R. submitted a letter to the Office of Management and Budget with recommendations on guidelines for the FHA's treatment of property assessed clean energy loans. C.A.R. discussed with the Federal Housing Administration the FHA's guidelines on transfer fee covenants. C.A.R. discussed with the Federal Housing Finance Agency proposals for private mortgage insurance to increase their coverage of conforming loans. C.A.R. discussed with the Federal Housing Finance Agency the guidelines for Fannie Mae and Freddie Mac as they pertain to manufactured housing. C.A.R. discussed with the Federal Housing Finance Agency the guidelines for Fannie Mae and Freddie Mac as they pertain to condo approvals. C.A.R. submitted a letter to the Federal Housing Finance Agency in response to the "Fannie Mae and Freddie Mac Single-Family Guarantee Fees in 2015" report.

H.R. 1187, To Amend Title 38, United States Code, to adjust certain limits on the guaranteed amount of a home loan under the home loan program of the Department of Veterans Affairs

C.A.R. discussed with the Consumer Financial Protection Bureau to discuss solar leases and power purchase agreements. C.A.R. discussed with the Consumer Financial Protection Bureau and the Federal Housing Finance Agency to discuss Property Assessed Clean Energy loans. C.A.R. has discussed with the Consumer Financial Protection Bureau the roll-out of the new TRID guidelines.

H.R. 685: The Mortgage Choice Act - The bill would make changes to the Qualified Mortgage rule by treating charges to affiliated companies the same as charges to unaffiliated companies. H.R. 5282: Comprehensive Consumer Credit Reporting Reform Act: Would change to consumer credit reporting laws. S. 1484: Financial Regulatory Improvement Act - The bill would, among other things, make changes to Fannie Mae and Freddie Mac. C.A.R. has discussed with the Federal Housing Finance Agency California's Property Assessed Clean Energy (PACE) program and its lien seniority to first mortgages.

C.A.R. has commented to the Federal Communications Commission on their proposed Net Neutrality Rule.

H.R. 1187, To Amend Title 38, United States Code, to adjust certain limits on the guaranteed amount of a home loan under the home loan program of the Department of Veterans Affairs

H.R. 4719 - The COMPLI Act: Would allow businesses whose property does not meet ADA requirements to be able to fix the problem prior to legal action being taken against them.

H.R. 594, Waters of the United States Regulatory Overreach Protection Act - The bill would prohibit the U.S. Army Corps of Engineers and the Environmental Protection Agency (EPA) from implementing their "Definition of 'Waters of the United States' Under the Clean Water Act. H.R. 2901, Flood Insurance Market Parity and Modernization Act - The bill would amend the Flood Disaster Protection Act of 1973 to try and increase the availability and usage of private flood insurance. Executive Order Establishing a Federal Flood Risk Management Standard and a Process for Further Soliciting and Considering Stakeholder Input.

H.R. 685: The Mortgage Choice Act - The bill would make changes to the Qualified Mortgage rule by treating charges to affiliated companies the same as charges to unaffiliated companies. H.R. 5282: Comprehensive Consumer Credit Reporting Reform Act: Would change to consumer credit reporting laws. S. 1484: Financial Regulatory Improvement Act - The bill would, among other things, make changes to Fannie Mae and Freddie Mac. C.A.R. has discussed with the Federal Housing Finance Agency California's Property Assessed Clean Energy (PACE) program and its lien seniority to first mortgages. C.A.R. has discussed with the Federal Housing Finance Agency California's earthquake retrofit loan program and proposed changes to the program by state legislation.

C.A.R. discussed with the Consumer Financial Protection Bureau to discuss solar leases and power purchase agreements. C.A.R. discussed with the Consumer Financial Protection Bureau and the Federal Housing Finance Agency to discuss Property Assessed Clean Energy loans. C.A.R. has discussed with the Consumer Financial Protection Bureau the roll-out of the new TRID guidelines.

H.R. 22 - DRIVE Act-Has a pay-for provision that would extend from 2021 to 2025 the taking of a portion of Fannie Mae and Freddie Mac guarantee fee to be put in the Treasury's general fund.

H.R. 594, Waters of the United States Regulatory Overreach Protection Act - The bill would prohibit the U.S. Army Corps of Engineers and the Environmental Protection Agency (EPA) from implementing their "Definition of 'Waters of the United States' Under the Clean Water Act. H.R. 2901, Flood Insurance Market Parity and Modernization Act - The bill would amend the Flood Disaster Protection Act of 1973 to try and increase the availability and usage of private flood insurance. Executive Order Establishing a Federal Flood Risk Management Standard and a Process for Further Soliciting and Considering Stakeholder Input.

H.R. 22 - DRIVE Act-Has a pay-for provision that would extend from 2021 to 2025 the taking of a portion of Fannie Mae and Freddie Mac guarantee fee to be put in the Treasury's general fund.

H.R. 480: Housing America's Workforce Act of 2015 - Would create incentives for companies to offer housing assistance programs for their employees. H.R. 650: Preserving Access to Manufactured Housing Act of 2015 - Would make changes to the Truth in Lending Act so that more manufactured housing buyers will have access to affordable mortgages. H.R. 3700: Housing Opportunity Through Modernization Act of 2015 - Would require the FHA to look at their condo approval rules and how the FHA treats transfer fee covenants. C.A.R. met with members of Congress and discussed the continued role of the government in the mortgage finance system, including Fannie Mae, Freddie Mac, and the Federal Housing Administration. C.A.R. met with members of Congress and discussed the impact of proposed "market based" accounting would have on the Federal Housing Administration. C.A.R. met with the Federal Housing Finance Agency and the Federal Housing Administration to discuss the auction of distressed notes. C.A.R. met with the Federal Housing Finance Agency and the Federal Housing Administration to discuss ways to expand home ownership opportunities in under served communities. C.A.R. met with the Federal Housing Finance Agency to discuss the guarantee fee currently being charged by Fannie Mae and Freddie Mac. C.A.R. discussed the August 1 rollout of the new Truth in Lending Act's closing document. C.A.R. discussed with the Federal Housing Administration the FHA's condo requirements. C.A.R. discussed with the Federal Housing Administration the FHA's guidelines on assumable loans. C.A.R. discussed with the Federal Housing Administration the FHA's mortgage insurance premiums. C.A.R. submitted a letter to the Federal Housing Administration with recommendations on guidelines for property assessed clean energy loans. C.A.R. submitted a comment letter in response to the Enterprise Duty to Serve Underserved Markets (RIN 2590-AA27). C.A.R. discussed with the Federal Housing Administration the FHA's guidelines on transfer fee covenants. C.A.R. discussed with the Federal Housing Finance Agency proposals for private mortgage insurance to increase their coverage of conforming loans. C.A.R. discussed with the Federal Housing Finance Agency the guidelines for Fannie Mae and Freddie Mac as they pertain to manufactured housing. C.A.R. discussed with the Federal Housing Finance Agency the guidelines for Fannie Mae and Freddie Mac as they pertain to condo approvals.

C.A.R. discussed with the Consumer Financial Protection Bureau to discuss solar leases and power purchase agreements. C.A.R. discussed with the Consumer Financial Protection Bureau and the Federal Housing Finance Agency to discuss Property Assessed Clean Energy loans. C.A.R. has discussed with the Consumer Financial Protection Bureau the roll-out of the new TRID guidelines.

H.R. 685: The Mortgage Choice Act - The bill would make changes to the Qualified Mortgage rule by treating charges to affiliated companies the same as charges to unaffiliated companies. S. 1484: Financial Regulatory Improvement Act - The bill would, among other things, make changes to Fannie Mae and Freddie Mac. C.A.R. has discussed with the Federal Housing Finance Agency California's Property Assessed Clean Energy (PACE) program and its lien seniority to first mortgages. C.A.R. has discussed with the Federal Housing Finance Agency California's earthquake retrofit loan program and proposed changes to the program by state legislation.

H.R. 685: The Mortgage Choice Act - The bill would make changes to the Qualified Mortgage rule by treating charges to affiliated companies the same as charges to unaffiliated companies. S. 1484: Financial Regulatory Improvement Act - The bill would, among other things, make changes to Fannie Mae and Freddie Mac. C.A.R. has discussed with the Federal Housing Finance Agency California's Property Assessed Clean Energy (PACE) program and its lien seniority to first mortgages. C.A.R. has discussed with the Federal Housing Finance Agency California's earthquake retrofit loan program and proposed changes to the program by state legislation.

H.R. 594, Waters of the United States Regulatory Overreach Protection Act - The bill would prohibit the U.S. Army Corps of Engineers and the Environmental Protection Agency (EPA) from implementing their "Definition of 'Waters of the United States' Under the Clean Water Act. Executive Order Establishing a Federal Flood Risk Management Standard and a Process for Further Soliciting and Considering Stakeholder Input.

C.A.R. discussed with the Consumer Financial Protection Bureau to discuss solar leases and power purchase agreements. C.A.R. discussed with the Consumer Financial Protection Bureau and the Federal Housing Finance Agency to discuss Property Assessed Clean Energy loans. C.A.R. has discussed with the Consumer Financial Protection Bureau the roll-out of the new TRID guidelines.

H.R. 22 - DRIVE Act-Has a pay-for provision that would extend from 2021 to 2025 the taking of a portion of Fannie Mae and Freddie Mac guarantee fee to be put in the Treasury's general fund.

H.R. 1187, To Amend Title 38, United States Code, to adjust certain limits on the guaranteed amount of a home loan under the home loan program of the Department of Veterans Affairs

H.R. 685: The Mortgage Choice Act - The bill would make changes to the Qualified Mortgage rule by treating charges to affiliated companies the same as charges to unaffiliated companies. S. 1484: Financial Regulatory Improvement Act - The bill would, among other things, make changes to Fannie Mae and Freddie Mac. C.A.R. has discussed with the Federal Housing Finance Agency California's Property Assessed Clean Energy (PACE) program and its lien seniority to first mortgages. C.A.R. has discussed with the Federal Housing Finance Agency California's earthquake retrofit loan program and proposed changes to the program by state legislation.

H.R. 22 - DRIVE Act-Has a pay-for provision that would extend from 2021 to 2025 the taking of a portion of Fannie Mae and Freddie Mac guarantee fee to be put in the Treasury's general fund.

H.R. 1002, Mortgage Forgiveness Tax Relief Act of 2015 - This bill would extend for two years the exclusion from gross income of discharges of qualified principal residence indebtedness. S. 608, Mortgage Forgiveness Tax Relief Act - This bill would prevent homeowners from being forced to pay taxes on forgiven mortgage loan debt for two years. C.A.R. met with members of Congress and discussed the impact of tax reform, specifically the mortgage interest deduction and 1031 exchanges, on the real estate industry.

C.A.R. has commented to the Federal Communications Commission on their proposed Net Neutrality Rule.

H.R. 480: Housing America's Workforce Act of 2015 - Would create incentives for companies to offer housing assistance programs for their employees. H.R. 650: Preserving Access to Manufactured Housing Act of 2015 - Would make changes to the Truth in Lending Act so that more manufactured housing buyers will have access to affordable mortgages. C.A.R. met with members of Congress and discussed the continued role of the government in the mortgage finance system, including Fannie Mae, Freddie Mac, and the Federal Housing Administration. C.A.R. met with members of Congress and discussed the impact of proposed "market based" accounting would have on the Federal Housing Administration. C.A.R. met with the Federal Housing Finance Agency and the Federal Housing Administration to discuss the auction of distressed notes. C.A.R. met with the Federal Housing Finance Agency and the Federal Housing Administration to discuss ways to expand home ownership opportunities in under served communities. C.A.R. met with the Federal Housing Finance Agency to discuss the guarantee fee currently being charged and the "Request for Input" from 2014. C.A.R. discussed the August 1 rollout of the new Truth in Lending Act's closing document. C.A.R. discussed with the Federal Housing Administration to discuss the FHA's condo requirements. C.A.R. discussed with the Federal Housing Administration to discuss the FHA's guidelines on assumable loans. C.A.R. discussed with the Federal Housing Administration to discuss the FHA's mortgage insurance premiums. C.A.R. submitted a letter to the Federal Housing Administration with recommendations on guidelines for property assessed clean energy loans. C.A.R. submitted a comment letter in response to the Federal Housing Finance Agency's Notice of Establishment of Housing Price Index.

H.R. 480: Housing America's Workforce Act of 2015 - Would create incentives for companies to offer housing assistance programs for their employees. H.R. 650: Preserving Access to Manufactured Housing Act of 2015 - Would make changes to the Truth in Lending Act so that more manufactured housing buyers will have access to affordable mortgages. C.A.R. met with members of Congress and discussed the continued role of the government in the mortgage finance system, including Fannie Mae, Freddie Mac, and the Federal Housing Administration. C.A.R. met with members of Congress and discussed the impact of proposed "market based" accounting would have on the Federal Housing Administration. C.A.R. met with the Federal Housing Finance Agency and the Federal Housing Administration to discuss the auction of distressed notes. C.A.R. met with the Federal Housing Finance Agency and the Federal Housing Administration to discuss ways to expand home ownership opportunities in under served communities. C.A.R. met with the Federal Housing Finance Agency to discuss the guarantee fee currently being charged and the "Request for Input" from 2014. C.A.R. discussed the August 1 rollout of the new Truth in Lending Act's closing document. C.A.R. discussed with the Federal Housing Administration to discuss the FHA's condo requirements. C.A.R. discussed with the Federal Housing Administration to discuss the FHA's guidelines on assumable loans. C.A.R. discussed with the Federal Housing Administration to discuss the FHA's mortgage insurance premiums.

C.A.R. discussed with the Consumer Financial Protection Bureau to discuss solar leases and power purchase agreements. C.A.R. discussed with the Consumer Financial Protection Bureau and the Federal Housing Finance Agency to discuss Property Assessed Clean Energy loans.

H.R. 685: The Mortgage Choice Act - The bill would make changes to the Qualified Mortgage rule by treating charges to affiliated companies the same as charges to unaffiliated companies. S. 1484: Financial Regulatory Improvement Act - The bill would, among other things, make changes to Fannie Mae and Freddie Mac. C.A.R. has discussed with the Federal Housing Finance Agency California's Property Assessed Clean Energy (PACE) program and its lien seniority to first mortgages. C.A.R. has discussed with the Federal Housing Finance Agency California's earthquake retrofit loan program and proposed changes to the program by state legislation.

H.R. 1187, To Amend Title 38, United States Code, to adjust certain limits on the guaranteed amount of a home loan under the home loan program of the Department of Veterans Affairs

H.R. 685: The Mortgage Choice Act - The bill would make changes to the Qualified Mortgage rule by treating charges to affiliated companies the same as charges to unaffiliated companies.

H.R. 594, Waters of the United States Regulatory Overreach Protection Act - The bill would prohibit the U.S. Army Corps of Engineers and the Environmental Protection Agency (EPA) from implementing their "Definition of 'Waters of the United States' Under the Clean Water Act. Executive Order Establishing a Federal Flood Risk Management Standard and a Process for Further Soliciting and Considering Stakeholder Input.

H.R. 1002, Mortgage Forgiveness Tax Relief Act of 2015 - This bill would extend for two years the exclusion from gross income of discharges of qualified principal residence indebtedness. S. 608, Mortgage Forgiveness Tax Relief Act - This bill would prevent homeowners from being forced to pay taxes on forgiven mortgage loan debt for two years. C.A.R. met with members of Congress and discussed the impact of tax reform, specifically the mortgage interest deduction and 1031 exchanges, on the real estate industry.

C.A.R. met with the Consumer Financial Protection Bureau to discuss solar leases and power purchase agreements. C.A.R. met with the Consumer Financial Protection Bureau and the Federal Housing Finance Agency to discuss Property Assessed Clean Energy loans.

C.A.R. has commented to the Federal Communications Commission on their proposed Net Neutrality Rule.

H.Con.Res. 4-Expressing the sense of the Congress that the current Federal income tax deduction for interest paid on debt secured by a first or second home should not be further restricted.H.R. 5771-The Tax Increase Prevention Act-Which extended a number of expiring tax provisions, including mortgage debt relief, the deduction of mortgage insurance premiums, and leasehold improvements. C.A.R. has lobbied the Congress on House Ways and Means Committee and Senate Finance Committee efforts to reform the U.S. tax code in areas that would impact real estate tax benefits for both individuals and businesses; including draft language by Ways and Means chairman Dave Camp. C.A.R. has lobbied Congress and spoken to the IRS on the issue of Mortgage Debt Forgiveness for homeowners who choose to do a short sale.

S. 249-Responsible Homeowner Refinancing Act-Would ease current restrictions on the Home Affordable Refinance Program (HARP) to allow greater access for homeowners.H.R. 2767 - Protecting American Taxpayers and Homeowners Act of 2013-Would reform the mortgage finance system in U.S. C.A.R. commented on loan limits, risk sharing, government guarantee, portfolios, and proposed changes to FHA. S. 1217 - Housing Finance Reform and Taxpayer Protection Act-Would wind-down Fannie Mae and Freddie Mac, reform the secondary mortgage market and create an environment to increase private capital's participation in the mortgage finance market. C.A.R. has lobbied on the future of the government sponsored enterprises (Fannie Mae and Freddie Mac), their future regulatory structure, and the government's role in the mortgage market. C.A.R. has lobbied for the reinstatement of the higher Fannie Mae and Freddie Mac loan limits of 175 percent of the national conforming loan limits for high cost areas. C.A.R. has lobbied on the issue of mortgage servicing and concerns regarding inefficiencies and lack of standardization. C.A.R. has lobbied on the Administration's Reforming America's Housing Finance Market proposal to Congress and its potential impact on the availability of capital to the nation's mortgage market. C.A.R. has lobbied on the issue of changes to the Home Affordable Refinance Program to make the program more successful by easing qualification requirements. C.A.R. has lobbied on the Federal Housing Finance Agencys proposed Strategic Plan for Enterprise Conservatorships, released on February 21, 2012. C.A.R. has lobbied for regulations to expedite the decision process of subordinate liens in the short sale process. C.A.R. has lobbied the Federal Housing Finance Agency, Fannie Mae and Freddie Mac on the simplification and standardization of the short sale process. C.A.R. has lobbied the FHFA, Fannie Mae and Freddie Mac on the current levels of their Loan Level Price Adjustment (LLPAs) and their guarantee fee. C.A.R. has lobbied to ensure short sales are appropriately labeled on consumer credit reports and not labeled inaccurately as foreclosures. C.A.R. has lobbied on the proposed lowering of the Fannie Mae and Freddie Mac conforming loan limits by the Federal Housing Financial Services. C.A.R. has lobbied for the VA Home Loan Program's temporary loan limits to not expire and decline at the end of the year. C.A.R. submitted a comment letter in response to the Federal Housing Finance Agency's "Request for Input, Fannie Mae and Freddie Mac Guarantee Fees." C.A.R. lobbied the Consumer Financial Protection Bureau regarding concerns about "shill bidding" in online real estate auctions.

S. 1376 - FHA Solvency Act of 2013-A bill to improve the Fedeal Housing Administration and to ensure the solvency of the Mutual Mortgage Insurance Fund, and for other purposes.H.R. 4208 - Stabilizing FHA Loan Limit Calculations Act of 2014 - Would require HUD to use the same median home prices used in 2013 (unless they have gone up) in determining a metropolitan statistical area's loan limit. C.A.R. has lobbied on the proposed Qualified Residential Mortgage proposed rule and our concerns over how it will severely impact the availability of home loans. C.A.R. has lobbied on the issue of FHA's mortgage insurance premiums and its availability of capital to homebuyers. C.A.R. has lobbied on the issue of FHA's condominium qualification requirements which will make it more difficult for condominium projects to qualify for FHA approval. C.A.R. has lobbied on the issue of FHA's anti-flipping rule and its two-year moratorium being extended. C.A.R. has lobbied on the guarantee-fee increases implemented by the government sponsored enterprises Fannie Mae and Freddie Mac. C.A.R. lobbied to the Federal Housing Finance Agency, Fannie Mae, Freddie Mac, U.S. Department of the Treasury and the U.S. Department of Housing and Urban Development on the various forms proposed for selling government REO's, including the Fannie Mae REO Pilot Initiative, the FHA Distressed Asset Note Sale, and the Freddie Mac bulk sale program. C.A.R. has lobbied to the FHA regarding their current and permanent loan limits. C.A.R. had discussions with the FHA regarding the extension of their 203(k) program to investors. C.A.R. has lobbied Congress on the future of the FHA loan program and what role it should play in the nation's mortgage market. C.A.R. has discussed with Congress proposed FHA risk sharing ideas. C.A.R. has lobbied Congress on proposed ideas to reduce FHA's insurance coverage. C.A.R. has lobbied Congress on proposed ideas to limit and/or modify FHA's role and mission in the housing market. C.A.R. has lobbied HUD on their Mortgagee Letter 2013-23, specifically the provision that would prohibit "dual agency" in a FHA short sale transaction. C.A.R. has lobbied HUD, FHA and Congress on Mortgagee Letteer 2013-43, and the lowering of FHA loan limits. C.A.R. has lobbied the FHA to get clarification on the process for assuming FHA loans and to ensure FHA insured loans are easily assumable. C.A.R. has lobbied the FHA on eliminating their requirement that interest be paid to the end of the month when a mortgage is paid-off early.

H.Con.Res. 4-Expressing the sense of the Congress that the current Federal income tax deduction for interest paid on debt secured by a first or second home should not be further restricted.Expiring Provisions Improvement Reform and Efficiency (EXPIRE) Act - Would extend a number of expiring tax provisions; including mortgage debt relief and the deduction of mortgage insurance premiums. C.A.R. has lobbied the Congress on House Ways and Means Committee and Senate Finance Committee efforts to reform the U.S. tax code in areas that would impact real estate tax benefits for both individuals and businesses; including draft language by Ways and Means chairman Dave Camp. C.A.R. has lobbied Congress and spoken to the IRS on the issue of Mortgage Debt Forgiveness for homeowners who choose to do a short sale.

C.A.R. submitted a comment letter to the Federal Communications Commission's "Notice of Proposed Rulemaking, Protecting and Promoting the Open Internet."

S. 1376 - FHA Solvency Act of 2013-A bill to improve the Fedeal Housing Administration and to ensure the solvency of the Mutual Mortgage Insurance Fund, and for other purposes.H.R. 4208 - Stabilizing FHA Loan Limit Calculations Act of 2014 - Would require HUD to use the same median home prices used in 2013 (unless they have gone up) in determining a metropolitan statistical area's loan limit. C.A.R. has lobbied on the proposed Qualified Residential Mortgage proposed rule and our concerns over how it will severely impact the availability of home loans. C.A.R. has lobbied on the issue of FHA's mortgage insurance premiums and its availability of capital to homebuyers. C.A.R. has lobbied on the issue of FHA's condominium qualification requirements which will make it more difficult for condominium projects to qualify for FHA approval. C.A.R. has lobbied on the issue of FHA's anti-flipping rule and its two-year moratorium being extended. C.A.R. has lobbied on the guarantee-fee increases implemented by the government sponsored enterprises Fannie Mae and Freddie Mac. C.A.R. lobbied to the Federal Housing Finance Agency, Fannie Mae, Freddie Mac, U.S. Department of the Treasury and the U.S. Department of Housing and Urban Development on the various forms proposed for selling government REO's, including the Fannie Mae REO Pilot Initiative, the FHA Distressed Asset Note Sale, and the Freddie Mac bulk sale program. C.A.R. has lobbied to the FHA regarding their current and permanent loan limits. C.A.R. had discussions with the FHA regarding the extension of their 203(k) program to investors. C.A.R. has lobbied Congress on the future of the FHA loan program and what role it should play in the nation's mortgage market. C.A.R. has discussed with Congress proposed FHA risk sharing ideas. C.A.R. has lobbied Congress on proposed ideas to reduce FHA's insurance coverage. C.A.R. has lobbied Congress on proposed ideas to limit and/or modify FHA's role and mission in the housing market. C.A.R. has lobbied HUD on their Mortgagee Letter 2013-23, specifically the provision that would prohibit "dual agency" in a FHA short sale transaction. C.A.R. has lobbied HUD, FHA and Congress on Mortgagee Letteer 2013-43, and the lowering of FHA loan limits. C.A.R. has lobbied the FHA to get clarification on the process for assuming FHA loans and to ensure FHA insured loans are easily assumable. C.A.R. has lobbied the FHA on eliminating their requirement that interest be paid to the end of the month when a mortgage is paid-off early.

-H.R. 3370 & S. 1846 - Homeowner Flood Insurance Affordability Act - The legislation would delay the implementation of higher flood insurance rates.H.R. 508 - Terrorism Risk Insurance Act of - Reauthorization Act of 2013 or the TRIA Reauthorization Act of 2013 - Would extend the Terrorism Insurance Program until December 31, 2019. Requires the Secretary of the Treasury to collect all required terrorism loss risk-spreading premiums for any act of terrorism that occurs on or after January 1, 2012, by September 30, 2024 (currently, by September 30, 2017). S. 2244 - Terrorism Risk Insurance Program Reauthorization Act of 2014 - Amends the Terrorism Risk Insurance Act of 2002 to extend the Terrorism Insurance Program through December 31, 2021.Decreases the federal share of the compensation for insured losses and increases the insurance marketplace aggregate retention amount.

S. 249-Responsible Homeowner Refinancing Act-Would ease current restrictions on the Home Affordable Refinance Program (HARP) to allow greater access for homeowners.H.R. 2767 - Protecting American Taxpayers and Homeowners Act of 2013-Would reform the mortgage finance system in U.S. C.A.R. commented on loan limits, risk sharing, government guarantee, portfolios, and proposed changes to FHA. S. 1217 - Housing Finance Reform and Taxpayer Protection Act-Would wind-down Fannie Mae and Freddie Mac, reform the secondary mortgage market and create an environment to increase private capital's participation in the mortgage finance market. C.A.R. has lobbied on the future of the government sponsored enterprises (Fannie Mae and Freddie Mac), their future regulatory structure, and the government's role in the mortgage market. C.A.R. has lobbied for the reinstatement of the higher Fannie Mae and Freddie Mac loan limits of 175 percent of the national conforming loan limits for high cost areas. C.A.R. has lobbied on the issue of mortgage servicing and concerns regarding inefficiencies and lack of standardization. C.A.R. has lobbied on the Administration's Reforming America's Housing Finance Market proposal to Congress and its potential impact on the availability of capital to the nation's mortgage market. C.A.R. has lobbied on the issue of changes to the Home Affordable Refinance Program to make the program more successful by easing qualification requirements. C.A.R. has lobbied on the Federal Housing Finance Agencys proposed Strategic Plan for Enterprise Conservatorships, released on February 21, 2012. C.A.R. has lobbied for regulations to expedite the decision process of subordinate liens in the short sale process. C.A.R. has lobbied the Federal Housing Finance Agency, Fannie Mae and Freddie Mac on the simplification and standardization of the short sale process. C.A.R. has lobbied the FHFA, Fannie Mae and Freddie Mac on the current levels of their Loan Level Price Adjustment (LLPAs) and their guarantee fee. C.A.R. has lobbied to ensure short sales are appropriately labeled on consumer credit reports and not labeled inaccurately as foreclosures. C.A.R. has lobbied on the proposed lowering of the Fannie Mae and Freddie Mac conforming loan limits by the Federal Housing Financial Services.

S. 1376 - FHA Solvency Act of 2013-A bill to improve the Fedeal Housing Administration and to ensure the solvency of the Mutual Mortgage Insurance Fund, and for other purposes.H.R. 4208 - Stabilizing FHA Loan Limit Calculations Act of 2014 - Would require HUD to use the same median home prices used in 2013 (unless they have gone up) in determining a metropolitan statistical area's loan limit. C.A.R. has lobbied on the proposed Qualified Residential Mortgage proposed rule and our concerns over how it will severely impact the availability of home loans. C.A.R. has lobbied on the issue of FHA's mortgage insurance premiums and its availability of capital to homebuyers. C.A.R. has lobbied on the issue of FHA's condominium qualification requirements which will make it more difficult for condominium projects to qualify for FHA approval. C.A.R. has lobbied on the issue of FHA's anti-flipping rule and its one-year moratorium being extended for another year. C.A.R. has lobbied on the guarantee-fee increases implemented by the government sponsored enterprises Fannie Mae and Freddie Mac. C.A.R. lobbied to the Federal Housing Finance Agency, Fannie Mae, Freddie Mac, U.S. Department of the Treasury and the U.S. Department of Housing and Urban Development on the various forms proposed for selling government REO's, including the Fannie Mae REO Pilot Initiative, the FHA Distressed Asset Note Sale, and the Freddie Mac bulk sale program. C.A.R. has lobbied to the FHA regarding their current and permanent loan limits. C.A.R. had discussions with the FHA regarding the extension of their 203(k) program to investors. C.A.R. has lobbied Congress on the future of the FHA loan program and what role it should play in the nation's mortgage market. C.A.R. has discussed with Congress proposed FHA risk sharing ideas. C.A.R. has lobbied Congress on proposed ideas to reduce FHA's insurance coverage. C.A.R. has lobbied Congress on proposed ideas to limit and/or modify FHA's role and mission in the housing market. C.A.R. has lobbied HUD on their Mortgagee Letter 2013-23, specifically the provision that would prohibit "dual agency" in a FHA short sale transaction. C.A.R. has lobbied HUD, FHA and Congress on Mortgagee Letteer 2013-43, and the lowering of FHA loan limits. C.A.R. has lobbied the FHA to get clarification on the process for assuming FHA loans and to ensure FHA insured loans are easily assumable. C.A.R. has lobbied the FHA on eliminating their requirement that interest be paid to the end of the month when a mortgage is paid-off early.

-H.R. 3370 & S. 1846 - Homeowner Flood Insurance Affordability Act - The legislation would delay the implementation of higher flood insurance rates.H.R. 508 - Terrorism Risk Insurance Act of - Reauthorization Act of 2013 or the TRIA Reauthorization Act of 2013 - Would extend the Terrorism Insurance Program until December 31, 2019. Requires the Secretary of the Treasury to collect all required terrorism loss risk-spreading premiums for any act of terrorism that occurs on or after January 1, 2012, by September 30, 2024 (currently, by September 30, 2017).

S. 1376 - FHA Solvency Act of 2013-A bill to improve the Fedeal Housing Administration and to ensure the solvency of the Mutual Mortgage Insurance Fund, and for other purposes.H.R. 4208 - Stabilizing FHA Loan Limit Calculations Act of 2014 - Would require HUD to use the same median home prices used in 2013 (unless they have gone up) in determining a metropolitan statistical area's loan limit. C.A.R. has lobbied on the proposed Qualified Residential Mortgage proposed rule and our concerns over how it will severely impact the availability of home loans. C.A.R. has lobbied on the issue of FHA's mortgage insurance premiums and its availability of capital to homebuyers. C.A.R. has lobbied on the issue of FHA's condominium qualification requirements which will make it more difficult for condominium projects to qualify for FHA approval. C.A.R. has lobbied on the issue of FHA's anti-flipping rule and its one-year moratorium being extended for another year. C.A.R. has lobbied on the guarantee-fee increases implemented by the government sponsored enterprises Fannie Mae and Freddie Mac. C.A.R. lobbied to the Federal Housing Finance Agency, Fannie Mae, Freddie Mac, U.S. Department of the Treasury and the U.S. Department of Housing and Urban Development on the various forms proposed for selling government REO's, including the Fannie Mae REO Pilot Initiative, the FHA Distressed Asset Note Sale, and the Freddie Mac bulk sale program. C.A.R. has lobbied to the FHA regarding their current and permanent loan limits. C.A.R. had discussions with the FHA regarding the extension of their 203(k) program to investors. C.A.R. has lobbied Congress on the future of the FHA loan program and what role it should play in the nation's mortgage market. C.A.R. has discussed with Congress proposed FHA risk sharing ideas. C.A.R. has lobbied Congress on proposed ideas to reduce FHA's insurance coverage. C.A.R. has lobbied Congress on proposed ideas to limit and/or modify FHA's role and mission in the housing market. C.A.R. has lobbied HUD on their Mortgagee Letter 2013-23, specifically the provision that would prohibit "dual agency" in a FHA short sale transaction. C.A.R. has lobbied HUD, FHA and Congress on Mortgagee Letteer 2013-43, and the lowering of FHA loan limits. C.A.R. has lobbied the FHA to get clarification on the process for assuming FHA loans and to ensure FHA insured loans are easily assumable.

-H.R. 3370 & S. 1846 - Homeowner Flood Insurance Affordability Act - The legislation would delay the implementation of higher flood insurance rates.

H.Con.Res. 4-Expressing the sense of the Congress that the current Federal income tax deduction for interest paid on debt secured by a first or second home should not be further restricted.C.A.R. has lobbied the Congress on House Ways and Means Committee and Senate Finance Committee efforts to reform the U.S. tax code in areas that would impact real estate tax benefits for both individuals and businesses. C.A.R. has lobbied Congress and spoken to the IRS on the issue of Mortgage Debt Forgiveness for homeowners who choose to do a short sale.

S. 249-Responsible Homeowner Refinancing Act-Would ease current restrictions on the Home Affordable Refinance Program (HARP) to allow greater access for homeowners.H.R. 2767 - Protecting American Taxpayers and Homeowners Act of 2013-Would reform the mortgage finance system in U.S. C.A.R. commented on loan limits, risk sharing, government guarantee, portfolios, and proposed changes to FHA. S. 1217 - Housing Finance Reform and Taxpayer Protection Act-Would wind-down Fannie Mae and Freddie Mac, reform the secondary mortgage market and create an environment to increase private capital's participation in the mortgage finance market. C.A.R. has lobbied on the future of the government sponsored enterprises (Fannie Mae and Freddie Mac), their future regulatory structure, and the government's role in the mortgage market. C.A.R. has lobbied for the reinstatement of the higher Fannie Mae and Freddie Mac loan limits of 175 percent of the national conforming loan limits for high cost areas. C.A.R. has lobbied on the issue of mortgage servicing and concerns regarding inefficiencies and lack of standardization. C.A.R. has lobbied on the Administration's Reforming America's Housing Finance Market proposal to Congress and its potential impact on the availability of capital to the nation's mortgage market. C.A.R. has lobbied on the issue of changes to the Home Affordable Refinance Program to make the program more successful by easing qualification requirements. C.A.R. has lobbied on the Federal Housing Finance Agencys proposed Strategic Plan for Enterprise Conservatorships, released on February 21, 2012. C.A.R. has lobbied for regulations to expedite the decision process of subordinate liens in the short sale process. C.A.R. has lobbied the Federal Housing Finance Agency, Fannie Mae and Freddie Mac on the simplification and standardization of the short sale process. C.A.R. has lobbied the FHFA, Fannie Mae and Freddie Mac on the current levels of their Loan Level Price Adjustment (LLPAs) and their guarantee fee. C.A.R. has lobbied for a change in leadership at the Federal Housing Finance Agency. C.A.R. has lobbied to ensure short sales are appropriately labeled on consumer credit reports and not labeled inaccurately as foreclosures. C.A.R. has lobbied on the proposed lowering of the Fannie Mae and Freddie Mac conforming loan limits by the Federal Housing Financial Services.

H.Con.Res. 4-Expressing the sense of the Congress that the current Federal income tax deduction for interest paid on debt secured by a first or second home should not be further restricted.C.A.R. has lobbied the Congress on House Ways and Means Committee and Senate Finance Committee efforts to reform the U.S. tax code in areas that would impact real estate tax benefits for both individuals and businesses. C.A.R. has lobbied Congress and spoken to the IRS on the issue of Mortgage Debt Forgiveness for homeowners who choose to do a short sale.

S. 249-Responsible Homeowner Refinancing Act-Would ease current restrictions on the Home Affordable Refinance Program (HARP) to allow greater access for homeowners.H.R. 2767 - Protecting American Taxpayers and Homeowners Act of 2013-Would reform the mortgage finance system in U.S. C.A.R. commented on loan limits, risk sharing, government guarantee, portfolios, and proposed changes to FHA. S. 1217 - Housing Finance Reform and Taxpayer Protection Act-Would wind-down Fannie Mae and Freddie Mac, reform the secondary mortgage market and create an environment to increase private capital's participation in the mortgage finance market. C.A.R. has lobbied on the future of the government sponsored enterprises (Fannie Mae and Freddie Mac), their future regulatory structure, and the government's role in the mortgage market. C.A.R. has lobbied for the reinstatement of the higher Fannie Mae and Freddie Mac loan limits of 175 percent of the national conforming loan limits for high cost areas. C.A.R. has lobbied on the issue of mortgage servicing and concerns regarding inefficiencies and lack of standardization. C.A.R. has lobbied on the Administration's Reforming America's Housing Finance Market proposal to Congress and its potential impact on the availability of capital to the nation's mortgage market. C.A.R. has lobbied on the issue of changes to the Home Affordable Refinance Program to make the program more successful by easing qualification requirements. C.A.R. has lobbied on the Federal Housing Finance Agencys proposed Strategic Plan for Enterprise Conservatorships, released on February 21, 2012. C.A.R. has lobbied for regulations to expedite the decision process of subordinate liens in the short sale process. C.A.R. has lobbied the Federal Housing Finance Agency, Fannie Mae and Freddie Mac on the simplification and standardization of the short sale process. C.A.R. has lobbied the FHFA, Fannie Mae and Freddie Mac on the current levels of their Loan Level Price Adjustment (LLPAs) and their guarantee fee. C.A.R. has lobbied for a change in leadership at the Federal Housing Finance Agency. C.A.R. has lobbied to ensure short sales are appropriately labeled on consumer credit reports and not labeled inaccurately as foreclosures. C.A.R. has lobbied on the proposed lowering of the Fannie Mae and Freddie Mac conforming loan limits by the Federal Housing Financial Services.

S. 249-Responsible Homeowner Refinancing Act-Would ease current restrictions on the Home Affordable Refinance Program (HARP) to allow greater access for homeowners.S. 1217 - Housing Finance Reform and Taxpayer Protection Act-Would wind-down Fannie Mae and Freddie Mac, reform the secondary mortgage market and create an environment to increase private capital's participation in the mortgage finance market. C.A.R. has lobbied on the future of the government sponsored enterprises (Fannie Mae and Freddie Mac), their future regulatory structure, and the government's role in the mortgage market. C.A.R. has lobbied for the reinstatement of the higher Fannie Mae and Freddie Mac loan limits of 175 percent of the national conforming loan limits for high cost areas. C.A.R. has lobbied on the issue of mortgage servicing and concerns regarding inefficiencies and lack of standardization. C.A.R. has lobbied on the Administration's Reforming America's Housing Finance Market proposal to Congress and its potential impact on the availability of capital to the nation's mortgage market. C.A.R. has lobbied on the issue of changes to the Home Affordable Refinance Program to make the program more successful by easing qualification requirements. C.A.R. has lobbied on the Federal Housing Finance Agencys proposed Strategic Plan for Enterprise Conservatorships, released on February 21, 2012. C.A.R. has lobbied for regulations to expedite the decision process of subordinate liens in the short sale process. C.A.R. has lobbied the Federal Housing Finance Agency, Fannie Mae and Freddie Mac on the simplification and standardization of the short sale process. C.A.R. has lobbied the FHFA, Fannie Mae and Freddie Mac on the current levels of their Loan Level Price Adjustment (LLPAs) and their guarantee fee. C.A.R. has lobbied for a change in leadership at the Federal Housing Finance Agency. C.A.R. has lobbied to ensure short sales are appropriately labeled on consumer credit reports and not labeled inaccurately as foreclosures.

S. 249-Responsible Homeowner Refinancing Act-Would ease current restrictions on the Home Affordable Refinance Program (HARP) to allow greater access for homeowners.C.A.R. has lobbied on the future of the government sponsored enterprises (Fannie Mae and Freddie Mac), their future regulatory structure, and the government's role in the mortgage market. C.A.R. has lobbied for the reinstatement of the higher Fannie Mae and Freddie Mac loan limits of 175 percent of the national conforming loan limits for high cost areas. C.A.R. has lobbied on the issue of mortgage servicing and concerns regarding inefficiencies and lack of standardization. C.A.R. has lobbied on the Administration's Reforming America's Housing Finance Market proposal to Congress and its potential impact on the availability of capital to the nation's mortgage market. C.A.R. has lobbied on the issue of changes to the Home Affordable Refinance Program to make the program more successful by easing qualification requirements. C.A.R. has lobbied on the Federal Housing Finance Agencys proposed Strategic Plan for Enterprise Conservatorships, released on February 21, 2012. C.A.R. has lobbied for regulations to expedite the decision process of subordinate liens in the short sale process. C.A.R. has lobbied the Federal Housing Finance Agency, Fannie Mae and Freddie Mac on the simplification and standardization of the short sale process. C.A.R. has lobbied the FHFA, Fannie Mae and Freddie Mac on the current levels of their Loan Level Price Adjustment (LLPAs) and their guarantee fee. C.A.R. has lobbied for a change in leadership at the Federal Housing Finance Agency.

H.R. 435-National Flood Insurance Program Termination Act. The legislation would terminate the National Flood Insurance Program. H.R. 1309-Flood Insurance Reform Act. The legislation would reauthorize the National Flood Insurance Program for five years while reforming the program to make it more financially sound. H.R. 2055-Consolidated Appropriations Act - The legislation included a provision that extended the National Flood Insurance Program untill May 31, 2012. S. 637/H.R. 3125 - Earthquake Insurance Affordability Act. The legislation would create a federal guarantee of qualified state insurance bonds. C.A.R. lobbied on the issue of the National Flood Insurance Program and the need to reform the program and prevent further lapses in the availability of coverage.

H.R. 1498-Prompt Decision for Qualification of Short Sale Act of 2011. The legislation requires a response by servicers to a short sale offer within 45 business days. H.R. 3164-Short Sale Transparency Act - Directs the Director of the Federal Housing Finance Agency to require the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac), in any case in which one or the other denies the purchase of a residential mortgage loan made to finance the purchase, under a short sale, of a covered dwelling on the basis that the purchase price involved is insufficient, to disclose promptly to the prospective seller the amount by which the purchase price was less than the minimum purchase price sufficient for approval of the purchase of such mortgage. H.R. 5823-Saving Taxpayers from Unnecessary GSE Bulk Sale Programs Act-Would prevent the Federal Housing Finance Agency from implementing their REO Pilot Initiative in California. S. 2120-Prompt Notification of Short Sales Act-Requires each servicer of a home mortgage to respond in writing within 75 days to a mortgagor of a residential mortgage loan who has requested in writing a short sale of the dwelling or residential real property that is subject to the mortgage, deed of trust, or other security interest securing the mortgage loan. C.A.R. has lobbied on the proposed Qualified Residential Mortgage proposed rule and our concerns over how it will severely impact the availability of home loans. C.A.R. has lobbied on the issue of FHA's mortgage insurance premiums and its availability of capital to homebuyers. C.A.R. has lobbied on the issue of FHA's condominium qualification requirements which will make it more difficult for condominium projects to qualify for FHA approval. C.A.R. has lobbied on the issue of FHA's proposed change to their seller concession rules. C.A.R. has lobbied on the issue of FHA's anti-flipping rule and its one-year moratorium being extended for another year. C.A.R. has lobbied on the Federal Trade Commission's final rule on mortgage assistance relief services (MARS). Specifically on the rules impact on real estate agents who perform the standard functions of a short sale transaction. C.A.R. has lobbied on the guarantee-fee increases implemented by the government sponsored enterprises Fannie Mae and Freddie Mac. C.A.R. has lobbied on the issue of changes to the Home Affordable Foreclosure Alternative program to make the program more efficient and successful. C.A.R. commented on the Consumer Financial Protection Bureau's proposed Good Faith Estimate form that attempts to combine the RESPA and TILA rules. C.A.R. lobbied to the Federal Housing Finance Agency, Fannie Mae, Freddie Mac, U.S. Department of the Treasury and the U.S. Department of Housing and Urban Development on the various forms proposed for selling government REO's, including the Fannie Mae REO Pilot Initiative, the FHA Distressed Asset Note Sale, and the Freddie Mac bulk sale program. C.A.R. has lobbied on the issue of the V.A. Housing Program and its pest certification requirements.

H.R. 4-Comprehensive 1099 Taxpayer Protection and Repayment of Exchange Subsidy Overpayments Act of 2011. The legislation repeals the 1099 reporting requirements on small businesses and landlords that was put into place by the health care reform bill and the small business stimulus bill. H.R. 8-American Taxpayer Relief Act of 2012-Extended expiring tax provisions, including the mortgage debt forgiveness. H.R. 4202-To amend the Internal Revenue Code of 1986 to extend the exclusion from gross income of discharges of qualified principal residence indebtedness S. 2250-A bill to prevent homeowners from being forced to pay taxes on forgiven mortgage loan debt. H Res. 25-Expressing the sense of the Congress that the current Federal income tax deduction for interest paid on debt secured by a first or second home should not be further restricted C.A.R. has lobbied on the issue of protecting real estate tax incentives, including the mortgage interest deduction. This includes changes to the tax code proposed or being discussed by the Administration's proposed budget, the debt reduction commission recommendations, debt ceiling increase, Joint Select Committee (aka "super committee"), and other budget proposals.

H.R. 31-The Fannie Mae and Freddie Mac Accountability and Transparency for Taxpayers Act. The legislation enhances the authority of FHFA's Inspector General and expands reporting requirements to Congress. H.R. 463-Fannie Mae and Freddie Mac Transparency Act. Amends Fannie Mae and Freddie Mac's charters to provide that, during any period in which either entities are under conservatorship or receivership, it shall be considered an agency subject to the public information disclosure requirements of the Freedom of Information Act. H.R. 940-United States Covered Bond Act. Would establish the regulatory framework for the creation of a covered bond market for real estate securities. H.R. 1221-the Equity In Government Compensation Act. The legislation suspends the compensation packages for executives of Fannie Mae and Freddie Mac and places all other employees on the General Schedule pay scale. H.R. 1222-the GSE Subsidy Elimination Act. The legislation requires that FHFA gradually increase guarantee fees at Fannie Mae and Freddie Mac over the next two years. Under the legislation, the FHFA will consider the market conditions in raising the GSEs guarantee fees to ensure that its actions do not disrupt a housing recovery. H.R. 1223-the GSE Credit Risk Equitable Treatment Act. The legislation helps clarify the risk retention rules required under Section 941 of the Dodd-Frank Act to make clear that Fannie Mae and Freddie Mac will be held to the same standards as any other secondary mortgage market participants. H.R. 1224-the Portfolio Risk Reduction Act. The legislation accelerates and formalizes the reduction in the size of the GSEs portfolios. The legislation would cap the GSEs portfolios to no more than $700 billion in the first year, declining to $600 billion for year two, $475 billion for year three, $350 billion for year four, and finally to $250 billion in year five. H.R. 1225-the GSE Debt Issuance Approval Act. The legislation requires the Treasury Department to approve any new debt issuance by the GSEs. H.R. 1226-the GSE Mission Improvement Act. The legislation the GSEs affordable housing goals. H.R. 1227-the GSE Risk and Activities Limitation Act. The legislation prohibits the GSEs from offering, undertaking, transacting, conducting or engaging in any new business activities while in conservatorship or receivership. H.R. 1627-Honoring America's Veterans and Caring for Camp Lejeune Families Act of 2012-The legislation would, among other things, increase the VA Home Loan Program's loan limits. H.R. 1754-Preserving Equal Access to Mortgage Finance Programs Act. The legislation would make permanent the current temporary high cost loan limits for Fannie Mae, Freddie Mac, and the FHA. H.R. 1859-Housing Finance Reform Act. The legislation would reform the secondary mortgage market and the government sponsored enterprises Fannie Mae and Freddie Mac H.R. 2413- Secondary Market Facility for Residential Mortgages Act. The legislation would reform the secondary mortgage market and the government sponsored enterprises Fannie Mae and Freddie Mac. H.R. 3630/H.R. 3765-Both bills contain provisions that would raise revenue by forcing the Government Sponsored Enterprises Fannie Mae and Freddie Mac, and the Federal Housing Administration to increase their fees. H.R. 6153-Fast Help For Homeowners Act - Requires a subordinate lien holder that is so notified to respond in writing to the servicer within 45 days after receiving the notification. Considers the request approved by the holder if the holder does not respond within the 45 days. H.R. 6428-Responsible Homeowner Refinancing Act of 2012-The Legislation would expand the Home Affordable Refinance Program by easing certain requirements. S. 170/H.R. 363-Helping Responsible Homeowners Act. The Legislation would require Fannie Mae and Freddie Mac to allow homeowners with current GSE loans to refinance regardless of their current loan-to-value. S. 509-Small Business Lending Enhancement Act of 2011. The legislation Amends the Federal Credit Union Act to allow credit unions greater flexibility in their ability to make business loans. S. 693/H.R. 1182-GSE Bailout Elimination and Taxpayer Protection Act. The legislation would wind down Fannie Mae and Freddie Mac through a number of steps. S. 3047-Expanding Refinancing Opportunities Act-Would allow non agency and government backed mortgages to refinance in FHA loans. C.A.R. has lobbied on the future of the government sponsored enterprises (Fannie Mae and Freddie Mac) and their future regulatory structure. C.A.R. has lobbied for the extension of the current FHA, Fannie Mae and Freddie Mac loan limits that are set to expired at the end of September. C.A.R. has lobbied on the issue of mortgage servicing and concerns regarding inefficiencies and lack of standardization. C.A.R. has lobbied on the Administration's Reforming America's Housing Finance Market proposal to Congress and its potential impact on the availability of capital to the nation's mortgage market. C.A.R. has lobbied on the Federal Housing Finance Agencies proposed rule on Private Transfer Fee covenants RIN 2590-AA41 C.A.R. has lobbied on the issue of changes to the Home Affordable Refinance Program to make the program more successful by easing qualification requirements. C.A.R. has lobbied on the Federal Housing Finance Agencys proposed Strategic Plan for Enterprise Conservatorships, released on February 21, 2012. C.A.R. has lobbied for legislation and/or regulations to expedite the decision process of subordinate liens in the short sale process. C.A.R. has lobbied the Federal Housing Finance Agency, Fannie Mae and Freddie Mac on the Servicer Allignment Initiative and its creation of a standardized short sale process.

H.R. 1498-Prompt Decision for Qualification of Short Sale Act of 2011. The legislation requires a response by servicers to a short sale offer within 45 business days. H.R. 3164-Short Sale Transparency Act - Directs the Director of the Federal Housing Finance Agency to require the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac), in any case in which one or the other denies the purchase of a residential mortgage loan made to finance the purchase, under a short sale, of a covered dwelling on the basis that the purchase price involved is insufficient, to disclose promptly to the prospective seller the amount by which the purchase price was less than the minimum purchase price sufficient for approval of the purchase of such mortgage. H.R. 5823-Saving Taxpayers from Unnecessary GSE Bulk Sale Programs Act-Would prevent the Federal Housing Finance Agency from implementing their REO Pilot Initiative in California. S. 2120-Prompt Notification of Short Sales Act-Requires each servicer of a home mortgage to respond in writing within 75 days to a mortgagor of a residential mortgage loan who has requested in writing a short sale of the dwelling or residential real property that is subject to the mortgage, deed of trust, or other security interest securing the mortgage loan. C.A.R. has lobbied on the proposed Qualified Residential Mortgage proposed rule and our concerns over how it will severely impact the availability of home loans. C.A.R. has lobbied on the issue of FHA's mortgage insurance premiums and its availability of capital to homebuyers. C.A.R. has lobbied on the issue of FHA's condominium qualification requirements which will make it more difficult for condominium projects to qualify for FHA approval. C.A.R. has lobbied on the issue of FHA's proposed change to their seller concession rules. C.A.R. has lobbied on the issue of FHA's anti-flipping rule and its one-year moratorium being extended for another year. C.A.R. has lobbied on the Federal Trade Commission's final rule on mortgage assistance relief services (MARS). Specifically on the rules impact on real estate agents who perform the standard functions of a short sale transaction. C.A.R. has lobbied on the guarantee-fee increases implemented by the government sponsored enterprises Fannie Mae and Freddie Mac. C.A.R. has lobbied on the issue of changes to the Home Affordable Foreclosure Alternative program to make the program more efficient and successful. C.A.R. commented on the Consumer Financial Protection Bureau's proposed Good Faith Estimate form that attempts to combine the RESPA and TILA rules. C.A.R. commented on the Federal Housing Finance Agency, U.S. Department of the Treasury and the U.S. Department of Housing and Urban Development Request for Information: Enterprise/FHA REO Asset Disposition dated August 10, 2011. C.A.R. has lobbied on the issue of the V.A. Housing Program and its pest certification requirements.

H.R. 435-National Flood Insurance Program Termination Act. The legislation would terminate the National Flood Insurance Program. H.R. 1309-Flood Insurance Reform Act. The legislation would reauthorize the National Flood Insurance Program for five years while reforming the program to make it more financially sound. H.R. 2055-Consolidated Appropriations Act - The legislation included a provision that extended the National Flood Insurance Program untill May 31, 2012. S. 637/H.R. 3125 - Earthquake Insurance Affordability Act. The legislation would create a federal guarantee of qualified state insurance bonds. C.A.R. lobbied on the issue of the National Flood Insurance Program and the need to reform the program and prevent further lapses in the availability of coverage.

H.R. 1498-Prompt Decision for Qualification of Short Sale Act of 2011. The legislation requires a response by servicers to a short sale offer within 45 business days. H.R. 3164-Short Sale Transparency Act - Directs the Director of the Federal Housing Finance Agency to require the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac), in any case in which one or the other denies the purchase of a residential mortgage loan made to finance the purchase, under a short sale, of a covered dwelling on the basis that the purchase price involved is insufficient, to disclose promptly to the prospective seller the amount by which the purchase price was less than the minimum purchase price sufficient for approval of the purchase of such mortgage. H.R. 5823-Saving Taxpayers from Unnecessary GSE Bulk Sale Programs Act-Would prevent the Federal Housing Finance Agency from implementing their REO Pilot Initiative in California. S. 2120-Prompt Notification of Short Sales Act-Requires each servicer of a home mortgage to respond in writing within 75 days to a mortgagor of a residential mortgage loan who has requested in writing a short sale of the dwelling or residential real property that is subject to the mortgage, deed of trust, or other security interest securing the mortgage loan. C.A.R. has lobbied on the proposed Qualified Residential Mortgage proposed rule and our concerns over how it will severely impact the availability of home loans. C.A.R. has lobbied on the issue of FHA's mortgage insurance premiums and its availability of capital to homebuyers. C.A.R. has lobbied on the issue of FHA's condominium qualification requirements which will make it more difficult for condominium projects to qualify for FHA approval. C.A.R. has lobbied on the issue of FHA's proposed change to their seller concession rules. C.A.R. has lobbied on the issue of FHA's anti-flipping rule and its one-year moratorium being extended for another year. C.A.R. has lobbied on the Federal Trade Commission's final rule on mortgage assistance relief services (MARS). Specifically on the rules impact on real estate agents who perform the standard functions of a short sale transaction. C.A.R. has lobbied on the guarantee-fee increases implemented by the government sponsored enterprises Fannie Mae and Freddie Mac. C.A.R. has lobbied on the issue of changes to the Home Affordable Foreclosure Alternative program to make the program more efficient and successful. C.A.R. commented on the Consumer Financial Protection Bureau's proposed Good Faith Estimate form that attempts to combine the RESPA and TILA rules. C.A.R. commented on the Federal Housing Finance Agency, U.S. Department of the Treasury and the U.S. Department of Housing and Urban Development Request for Information: Enterprise/FHA REO Asset Disposition dated August 10, 2011. C.A.R. has lobbied on the issue of the V.A. Housing Program and its pest certification requirements.

H.R. 4-Comprehensive 1099 Taxpayer Protection and Repayment of Exchange Subsidy Overpayments Act of 2011. The legislation repeals the 1099 reporting requirements on small businesses and landlords that was put into place by the health care reform bill and the small business stimulus bill. H.R. 4202-To amend the Internal Revenue Code of 1986 to extend the exclusion from gross income of discharges of qualified principal residence indebtedness S. 2250-A bill to prevent homeowners from being forced to pay taxes on forgiven mortgage loan debt. H Res. 25-Expressing the sense of the Congress that the current Federal income tax deduction for interest paid on debt secured by a first or second home should not be further restricted C.A.R. has lobbied on the issue of protecting real estate tax incentives, including the mortgage interest deduction. This includes changes to the tax code proposed or being discussed by the Administration's proposed budget, the debt reduction commission recommendations, debt ceiling increase, Joint Select Committee (aka "super committee"), and other budget proposals.

H.R. 31-The Fannie Mae and Freddie Mac Accountability and Transparency for Taxpayers Act. The legislation enhances the authority of FHFA's Inspector General and expands reporting requirements to Congress. H.R. 463-Fannie Mae and Freddie Mac Transparency Act. Amends Fannie Mae and Freddie Mac's charters to provide that, during any period in which either entities are under conservatorship or receivership, it shall be considered an agency subject to the public information disclosure requirements of the Freedom of Information Act. H.R. 940-United States Covered Bond Act. Would establish the regulatory framework for the creation of a covered bond market for real estate securities. H.R. 1221-the Equity In Government Compensation Act. The legislation suspends the compensation packages for executives of Fannie Mae and Freddie Mac and places all other employees on the General Schedule pay scale. H.R. 1222-the GSE Subsidy Elimination Act. The legislation requires that FHFA gradually increase guarantee fees at Fannie Mae and Freddie Mac over the next two years. Under the legislation, the FHFA will consider the market conditions in raising the GSEs guarantee fees to ensure that its actions do not disrupt a housing recovery. H.R. 1223-the GSE Credit Risk Equitable Treatment Act. The legislation helps clarify the risk retention rules required under Section 941 of the Dodd-Frank Act to make clear that Fannie Mae and Freddie Mac will be held to the same standards as any other secondary mortgage market participants. H.R. 1224-the Portfolio Risk Reduction Act. The legislation accelerates and formalizes the reduction in the size of the GSEs portfolios. The legislation would cap the GSEs portfolios to no more than $700 billion in the first year, declining to $600 billion for year two, $475 billion for year three, $350 billion for year four, and finally to $250 billion in year five. H.R. 1225-the GSE Debt Issuance Approval Act. The legislation requires the Treasury Department to approve any new debt issuance by the GSEs. H.R. 1226-the GSE Mission Improvement Act. The legislation the GSEs affordable housing goals. H.R. 1227-the GSE Risk and Activities Limitation Act. The legislation prohibits the GSEs from offering, undertaking, transacting, conducting or engaging in any new business activities while in conservatorship or receivership. H.R. 1754-Preserving Equal Access to Mortgage Finance Programs Act. The legislation would make permanent the current temporary high cost loan limits for Fannie Mae, Freddie Mac, and the FHA. H.R. 1859-Housing Finance Reform Act. The legislation would reform the secondary mortgage market and the government sponsored enterprises Fannie Mae and Freddie Mac H.R. 2413- Secondary Market Facility for Residential Mortgages Act. The legislation would reform the secondary mortgage market and the government sponsored enterprises Fannie Mae and Freddie Mac. H.R. 3630/H.R. 3765-Both bills contain provisions that would raise revenue by forcing the Government Sponsored Enterprises Fannie Mae and Freddie Mac, and the Federal Housing Administration to increase their fees. S. 170/H.R. 363-Helping Responsible Homeowners Act. The Legislation would require Fannie Mae and Freddie Mac to allow homeowners with current GSE loans to refinance regardless of their current loan-to-value. S. 509-Small Business Lending Enhancement Act of 2011. The legislation Amends the Federal Credit Union Act to allow credit unions greater flexibility in their ability to make business loans. S. 693/H.R. 1182-GSE Bailout Elimination and Taxpayer Protection Act. The legislation would wind down Fannie Mae and Freddie Mac through a number of steps. C.A.R. has lobbied on the future of the government sponsored enterprises (Fannie Mae and Freddie Mac) and their future regulatory structure. C.A.R. has lobbied for the extension of the current FHA, Fannie Mae and Freddie Mac loan limits that are set to expired at the end of September. C.A.R. has lobbied on the issue of mortgage servicing and concerns regarding inefficiencies and lack of standardization. C.A.R. has lobbied on the Administration's Reforming America's Housing Finance Market proposal to Congress and its potential impact on the availability of capital to the nation's mortgage market. C.A.R. has lobbied on the Federal Housing Finance Agencies proposed rule on Private Transfer Fee covenants RIN 2590-AA41 C.A.R. has lobbied on the issue of changes to the Home Affordable Refinance Program to make the program more successful by easing qualification requirements. C.A.R. has lobbied on the Federal Housing Finance Agencys proposed Strategic Plan for Enterprise Conservatorships, released on February 21, 2012.

H.R. 4-Comprehensive 1099 Taxpayer Protection and Repayment of Exchange Subsidy Overpayments Act of 2011. The legislation repeals the 1099 reporting requirements on small businesses and landlords that was put into place by the health care reform bill and the small business stimulus bill. H Res. 25-Expressing the sense of the Congress that the current Federal income tax deduction for interest paid on debt secured by a first or second home should not be further restricted C.A.R. has lobbied on the issue of protecting real estate tax incentives, including the mortgage interest deduction. This includes changes to the tax code proposed or being discussed by the Administration's proposed budget, the debt reduction commission recommendations, debt ceiling increase, Joint Select Committee (aka "super committee"), and other budget proposals.

H.R. 31-The Fannie Mae and Freddie Mac Accountability and Transparency for Taxpayers Act. The legislation enhances the authority of FHFA's Inspector General and expands reporting requirements to Congress. H.R. 463-Fannie Mae and Freddie Mac Transparency Act. Amends Fannie Mae and Freddie Mac's charters to provide that, during any period in which either entities are under conservatorship or receivership, it shall be considered an agency subject to the public information disclosure requirements of the Freedom of Information Act. H.R. 940-United States Covered Bond Act. Would establish the regulatory framework for the creation of a covered bond market for real estate securities. H.R. 1221-the Equity In Government Compensation Act. The legislation suspends the compensation packages for executives of Fannie Mae and Freddie Mac and places all other employees on the General Schedule pay scale. H.R. 1222-the GSE Subsidy Elimination Act. The legislation requires that FHFA gradually increase guarantee fees at Fannie Mae and Freddie Mac over the next two years. Under the legislation, the FHFA will consider the market conditions in raising the GSEs guarantee fees to ensure that its actions do not disrupt a housing recovery. H.R. 1223-the GSE Credit Risk Equitable Treatment Act. The legislation helps clarify the risk retention rules required under Section 941 of the Dodd-Frank Act to make clear that Fannie Mae and Freddie Mac will be held to the same standards as any other secondary mortgage market participants. H.R. 1224-the Portfolio Risk Reduction Act. The legislation accelerates and formalizes the reduction in the size of the GSEs portfolios. The legislation would cap the GSEs portfolios to no more than $700 billion in the first year, declining to $600 billion for year two, $475 billion for year three, $350 billion for year four, and finally to $250 billion in year five. H.R. 1225-the GSE Debt Issuance Approval Act. The legislation requires the Treasury Department to approve any new debt issuance by the GSEs. H.R. 1226-the GSE Mission Improvement Act. The legislation the GSEs affordable housing goals. H.R. 1227-the GSE Risk and Activities Limitation Act. The legislation prohibits the GSEs from offering, undertaking, transacting, conducting or engaging in any new business activities while in conservatorship or receivership. H.R. 1754-Preserving Equal Access to Mortgage Finance Programs Act. The legislation would make permanent the current temporary high cost loan limits for Fannie Mae, Freddie Mac, and the FHA. H.R. 1859-Housing Finance Reform Act. The legislation would reform the secondary mortgage market and the government sponsored enterprises Fannie Mae and Freddie Mac H.R. 2413- Secondary Market Facility for Residential Mortgages Act. The legislation would reform the secondary mortgage market and the government sponsored enterprises Fannie Mae and Freddie Mac. H.R. 3630/H.R. 3765-Both bills contain provisions that would raise revenue by forcing the Government Sponsored Enterprises Fannie Mae and Freddie Mac, and the Federal Housing Administration to increase their fees. S. 170/H.R. 363-Helping Responsible Homeowners Act. The Legislation would require Fannie Mae and Freddie Mac to allow homeowners with current GSE loans to refinance regardless of their current loan-to-value. S. 509-Small Business Lending Enhancement Act of 2011. The legislation Amends the Federal Credit Union Act to allow credit unions greater flexibility in their ability to make business loans. S. 693/H.R. 1182-GSE Bailout Elimination and Taxpayer Protection Act. The legislation would wind down Fannie Mae and Freddie Mac through a number of steps. C.A.R. has lobbied on the future of the government sponsored enterprises (Fannie Mae and Freddie Mac) and their future regulatory structure. C.A.R. has lobbied for the extension of the current FHA, Fannie Mae and Freddie Mac loan limits that are set to expired at the end of September. C.A.R. has lobbied on the issue of mortgage servicing and concerns regarding inefficiencies and lack of standardization. C.A.R. has lobbied on the Administration's Reforming America's Housing Finance Market proposal to Congress and its potential impact on the availability of capital to the nation's mortgage market. C.A.R. has lobbied on the Federal Housing Finance Agencies proposed rule on Private Transfer Fee covenants RIN 2590-AA41 C.A.R. has lobbied on the issue of changes to the Home Affordable Refinance Program to make the program more successful by easing qualification requirements.

H.R. 31-The Fannie Mae and Freddie Mac Accountability and Transparency for Taxpayers Act. The legislation enhances the authority of FHFA's Inspector General and expands reporting requirements to Congress. H.R. 463-Fannie Mae and Freddie Mac Transparency Act. Amends Fannie Mae and Freddie Mac's charters to provide that, during any period in which either entities are under conservatorship or receivership, it shall be considered an agency subject to the public information disclosure requirements of the Freedom of Information Act. H.R. 940-United States Covered Bond Act. Would establish the regulatory framework for the creation of a covered bond market for real estate securities. H.R. 1221-the Equity In Government Compensation Act. The legislation suspends the compensation packages for executives of Fannie Mae and Freddie Mac and places all other employees on the General Schedule pay scale. H.R. 1222-the GSE Subsidy Elimination Act. The legislation requires that FHFA gradually increase guarantee fees at Fannie Mae and Freddie Mac over the next two years. Under the legislation, the FHFA will consider the market conditions in raising the GSEs guarantee fees to ensure that its actions do not disrupt a housing recovery. H.R. 1223-the GSE Credit Risk Equitable Treatment Act. The legislation helps clarify the risk retention rules required under Section 941 of the Dodd-Frank Act to make clear that Fannie Mae and Freddie Mac will be held to the same standards as any other secondary mortgage market participants. H.R. 1224-the Portfolio Risk Reduction Act. The legislation accelerates and formalizes the reduction in the size of the GSEs portfolios. The legislation would cap the GSEs portfolios to no more than $700 billion in the first year, declining to $600 billion for year two, $475 billion for year three, $350 billion for year four, and finally to $250 billion in year five. H.R. 1225-the GSE Debt Issuance Approval Act. The legislation requires the Treasury Department to approve any new debt issuance by the GSEs. H.R. 1226-the GSE Mission Improvement Act. The legislation the GSEs affordable housing goals. H.R. 1227-the GSE Risk and Activities Limitation Act. The legislation prohibits the GSEs from offering, undertaking, transacting, conducting or engaging in any new business activities while in conservatorship or receivership. H.R. 1754-Preserving Equal Access to Mortgage Finance Programs Act. The legislation would make permanent the current temporary high cost loan limits for Fannie Mae, Freddie Mac, and the FHA. H.R. 1859-Housing Finance Reform Act. The legislation would reform the secondary mortgage market and the government sponsored enterprises Fannie Mae and Freddie Mac H.R. 2413- Secondary Market Facility for Residential Mortgages Act. The legislation would reform the secondary mortgage market and the government sponsored enterprises Fannie Mae and Freddie Mac. S. 170/H.R. 363-Helping Responsible Homeowners Act. The Legislation would require Fannie Mae and Freddie Mac to allow homeowners with current GSE loans to refinance regardless of their current loan-to-value. S. 509-Small Business Lending Enhancement Act of 2011. The legislation Amends the Federal Credit Union Act to allow credit unions greater flexibility in their ability to make business loans. S. 693/H.R. 1182-GSE Bailout Elimination and Taxpayer Protection Act. The legislation would wind down Fannie Mae and Freddie Mac through a number of steps. C.A.R. has lobbied on the future of the government sponsored enterprises (Fannie Mae and Freddie Mac) and their future regulatory structure. C.A.R. has lobbied for the extension of the current FHA, Fannie Mae and Freddie Mac loan limits that are set to expired at the end of September. C.A.R. has lobbied on the issue of mortgage servicing and concerns regarding inefficiencies and lack of standardization. C.A.R. has lobbied on the Administration's Reforming America's Housing Finance Market proposal to Congress and its potential impact on the availability of capital to the nation's mortgage market. C.A.R. has lobbied on the Federal Housing Finance Agencies proposed rule on Private Transfer Fee covenants RIN 2590-AA41

H.R. 435-National Flood Insurance Program Termination Act. The legislation would terminate the National Flood Insurance Program. H.R. 1309-Flood Insurance Reform Act. The legislation would reauthorize the National Flood Insurance Program for five years while reforming the program to make it more financially sound. S. 637 - Earthquake Insurance Affordability Act. The legislation would create a federal guarantee of qualified state insurance bonds. C.A.R. lobbied on the issue of the National Flood Insurance Program and the need to reform the program and prevent further lapses in the availability of coverage.

H.R. 4-Comprehensive 1099 Taxpayer Protection and Repayment of Exchange Subsidy Overpayments Act of 2011. The legislation repeals the 1099 reporting requirements on small businesses and landlords that was put into place by the health care reform bill and the small business stimulus bill. H Res. 25-Expressing the sense of the Congress that the current Federal income tax deduction for interest paid on debt secured by a first or second home should not be further restricted C.A.R. has lobbied on the issue of protecting real estate tax incentives, including the mortgage interest deduction. This includes changes to the tax code proposed or being discussed by the Administration's proposed budget, the debt reduction commission recommendations, debt ceiling increase, Joint Select Committee (aka "super committee"), and other budget proposals.

H.R. 31-The Fannie Mae and Freddie Mac Accountability and Transparency for Taxpayers Act. The legislation enhances the authority of FHFA's Inspector General and expands reporting requirements to Congress. H.R. 463-Fannie Mae and Freddie Mac Transparency Act. Amends Fannie Mae and Freddie Mac's charters to provide that, during any period in which either entities are under conservatorship or receivership, it shall be considered an agency subject to the public information disclosure requirements of the Freedom of Information Act. H.R. 940-United States Covered Bond Act. Would establish the regulatory framework for the creation of a covered bond market for real estate securities. H.R. 1221-the Equity In Government Compensation Act. The legislation suspends the compensation packages for executives of Fannie Mae and Freddie Mac and places all other employees on the General Schedule pay scale. H.R. 1222-the GSE Subsidy Elimination Act. The legislation requires that FHFA gradually increase guarantee fees at Fannie Mae and Freddie Mac over the next two years. Under the legislation, the FHFA will consider the market conditions in raising the GSEs guarantee fees to ensure that its actions do not disrupt a housing recovery. H.R. 1223-the GSE Credit Risk Equitable Treatment Act. The legislation helps clarify the risk retention rules required under Section 941 of the Dodd-Frank Act to make clear that Fannie Mae and Freddie Mac will be held to the same standards as any other secondary mortgage market participants. H.R. 1224-the Portfolio Risk Reduction Act. The legislation accelerates and formalizes the reduction in the size of the GSEs portfolios. The legislation would cap the GSEs portfolios to no more than $700 billion in the first year, declining to $600 billion for year two, $475 billion for year three, $350 billion for year four, and finally to $250 billion in year five. H.R. 1225-the GSE Debt Issuance Approval Act. The legislation requires the Treasury Department to approve any new debt issuance by the GSEs. H.R. 1226-the GSE Mission Improvement Act. The legislation the GSEs affordable housing goals. H.R. 1227-the GSE Risk and Activities Limitation Act. The legislation prohibits the GSEs from offering, undertaking, transacting, conducting or engaging in any new business activities while in conservatorship or receivership. H.R. 1754-Preserving Equal Access to Mortgage Finance Programs Act. The legislation would make permanent the current temporary high cost loan limits for Fannie Mae, Freddie Mac, and the FHA. S. 170/H.R. 363-Helping Responsible Homeowners Act. The Legislation would require Fannie Mae and Freddie Mac to allow homeowners with current GSE loans to refinance regardless of their current loan-to-value. S. 509-Small Business Lending Enhancement Act of 2011. The legislation Amends the Federal Credit Union Act to allow credit unions greater flexibility in their ability to make business loans. S. 693/H.R. 1182-GSE Bailout Elimination and Taxpayer Protection Act. The legislation would wind down Fannie Mae and Freddie Mac through a number of steps. C.A.R. has lobbied on the future of the government sponsored enterprises (Fannie Mae and Freddie Mac) and their future regulatory structure. C.A.R. has lobbied for the extension of the current FHA, Fannie Mae and Freddie Mac loan limits that are set to expire at the end of this year. C.A.R. has lobbied on the issue of mortgage servicing and concerns regarding inefficiencies and lack of standardization. C.A.R. has lobbied on the Administration's Reforming America's Housing Finance Market proposal to Congress and its potential impact on the availability of capital to the nation's mortgage market. C.A.R. has lobbied on the Federal Housing Finance Agencies proposed rule on Private Transfer Fee covenants RIN 2590-AA41

H.R. 1498-Prompt Decision for Qualification of Short Sale Act of 2011. The legislation requires a response by servicers to a short sale offer within 45 business days. C.A.R. has lobbied on the proposed Qualified Residential Mortgage proposed rule and our concerns over how it will severely impact the availability of home loans. C.A.R. has lobbied on the issue of FHA's mortgage insurance premiums and its availability of capital to homebuyers. C.A.R. has lobbied on the issue of FHA's condominium qualification requirements which will make it more difficult for condominium projects to qualify for FHA approval. C.A.R. has lobbied on the issue of FHA's proposed change to their seller concession rules. C.A.R. has lobbied on the issue of FHA's anti-flipping rule and its one-year moratorium being extended for another year. C.A.R. has lobbied on the Federal Trade Commission's final rule on mortgage assistance relief services (MARS). Specifically on the rules impact on real estate agents who perform the standard functions of a short sale transaction. C.A.R. has lobbied on the fee increases implemented by the government sponsored enterprises Fannie Mae and Freddie Mac. C.A.R. has lobbied on the issue of changes to the Home Affordable Foreclosure Alternative program to make the program more efficient and successful. C.A.R. commented on the Consumer Financial Protection Bureau's proposed Good Faith Estimate form that attempts to combine the RESPA and TILA rules.

C.A.R. lobbied on the issue of the National Flood Insurance Program and the need to reform the program and prevent further lapses in the availability of coverage.

H.R. 4-Comprehensive 1099 Taxpayer Protection and Repayment of Exchange Subsidy Overpayments Act of 2011. The legislation repeals the 1099 reporting requirements on small businesses and landlords that was put into place by the health care reform bill and the small business stimulus bill. C.A.R. has lobbied on the issue of protecting real estate tax incentives, including the mortgage interest deduction. This includes changes to the tax code proposed by the Administration's proposed budget, the debt reduction commission recommendations, and other budget proposals.

H.R 83 - Homeowners Insurance Protection Act of 2009 - Authorizes the Secretary to make homeowners protection coverage available through contracts for reinsurance coverage. Restricts purchase of such coverage to eligible state programs. Prescribes criteria for state eligibility. H.R. 1264 - To amend the National Flood Insurance Act of 1968 to provide for the national flood insurance program to make available multiperil coverage for damage resulting from windstorms or floods, and for other purposes. H.R. 3139 - National Flood Insurance Program Extension Act of 2009 - Amends the National Flood Insurance Act of 1968 to extend the national flood insurance program from September 30, 2008, through March 31, 2010. H.R. 3200 - America's Affordable Health Choices Act of 2009 - Sets forth provisions governing health insurance plans and issuers, including: (1) exempting grandfathered health insurance coverage from requirements of this Act; (2) prohibiting preexisting condition exclusions; (3) providing for guaranteed coverage to all individuals and employers and automatic renewal of coverage; (4) prohibiting premium variances, except for reasons of age, area, or family enrollment; and (5) prohibiting rescission of health insurance coverage without clear and convincing evidence of fraud. Also deals with small business incentives and exemptions for healthcare coverage of employees. H.R. 3590 - Senate Healthcare - Sets forth provisions governing health insurance plans and issuers, including: (1) exempting grandfathered health insurance coverage from requirements of this Act; (2) prohibiting preexisting condition exclusions; (3) providing for guaranteed coverage to all individuals and employers and automatic renewal of coverage; (4) prohibiting premium variances, except for reasons of age, area, or family enrollment; and (5) prohibiting rescission of health insurance coverage without clear and convincing evidence of fraud. Also deals with small business incentives and exemptions for healthcare coverage of employees. H.R. 4851 - Continuing Extension of 2010 - Will extend multiple federal programs whose funding were set to expire; in particular the National Flood Insurance Program. H.R. 5569 - National Flood Inasurance Program Extension Act - To extend the National Flood Insurance Program until September 30, 2010. S. 505 - A bill to establish a National Catastrophe Risks Consortium and a National Homeowner's Insurance Stabilization Program, and for the other purposes. S. 3814 - National Flood Insurance Program Reextension Act - Funds the NFIP for another twelve months.

H.R. 1778 - To provide for the establishment of national energy and environmental building retrofit policies for both residential and commercial buildings, and for other purposes. H.R. 2454 - American Clean Energy and Security Act of 2009 - Lobbied on behalf of removing any point-of-sale requirements as well and any mandatory retrofits. H.R. 2454 provides financial incentives, such as grants, loans, loan guarantees, and/or mortgage interest rate buy-downs, for property owners who voluntarily make energy efficiency improvements, creates a national building code standard that states will have to adopt or the federal government will set and enforce the states building codes. H.R. 5019 - Home Star Energy Retrofit Act of 2010 - To provide for the establishment of the Home Star Retrofit Rebate Program, and for other purposes. S. 1733 - provides financial incentives, such as grants, loans, loan guarantees, and/or mortgage interest rate buy-downs, for property owners who voluntarily make energy efficiency improvements, creates a national building code standard that states will have to adopt or the federal government will set and enforce the states building codes. C.A.R. is monitoring an "Endangerment Finding" by the EPA that CO2 emmissions acan be regulated under the Clean Air Act. C.A.R. has lobbied FHFA, Fannie Mae and Freddie Mac regarding the Property Assessed Clean Energy (PACE) program. C.A.R. is working with these entities to determine a methond of implementation by local governments that will allow them to purchase or guarantee mortgagees on properties with PACE energy improvement loans. C.A.R. commented on the Department of Energy's Request for Information on National Energy Rating Program for Homes.

H.R. 498 - Capital Gains and Estate Tax Relief Act of 2009 - Makes permanent the reduction in capital gains tax rates (from 20 to 15%) enacted by the Jobs and Growth Tax Relief and Reconciliation Act of 2003. H.R. 436 - Certain Estate Tax Relief Act of 2009 - Restores the tax on estates and generation-skipping transfers and the step-up in basis provisions for property acquired from a decedent, previously repealed by the Economic Growth and Tax Relief Reconciliation Act of 2001 (EGTRRA). Declares that the sunset provision (general terminating date of December 10, 2010) of EGTRRA shall not apply to title V of such Act ( Estate, Gift, and Generation-Skipping Transfer Tax Provisions). H.R. 755 - Amends the Internal Revenue Code to allow an individual taxpayer an exclusion from gross income of the gain from the sale or exchange of up to two residences (other than a principal residence) acquired after December 31, 2008, and before January 1, 2012. Limits the amount of such exclusion to $250,000 ($500,000 for married taxpayers filing a joint return). Allows a $500,000 exclusion amount for a surviving spouse who sells a residence within two years of the death of a spouse. H.R. 1245 - Homebuyer Tax Credit Act of 2009 - Amends the Internal Revenue Code to replace the current tax credit for first-time homebuyers with a one-time credit for 10% of the purchase price of a principal residence, up to $15,000. Requires repayment of credit amounts if the taxpayer sells or fails to occupy the residence within 24 months after the date of purchase. H.R. 3548 - Worker, Homeownership, and Business Assistance Act of 2009 - Included an extension of the current Homebuyer Tax Credit through April 30, 2010 (plus 60 days to close escrow), increased the income limitation, and expanded the credit to "step-up" buyers. Additionally, special provisions were added to allow greater and longer access to the tax credit for military personnel serving overseas. H.R.4154 - Permanent Estate Tax Relief For Families, Farmers, and Small Businesses Act of 2009 - Would permanently extend the 2009 exemption and tax rate. H.R.4213 - Tax Extenders Act of 2009 - One year extension of tax deductions that includes: the standard deduction for state and local property taxes, 15-year leasehold improvements, contributions of capital gain real property for conservation purposes, Brownfield Deduction, and Low-Income Housing Credit. Part of the offset for these tax extensions would be a change to the taxation of carried interest at regular income rates instead of at capital gain rates. H.R. 4853 - Tax Relief, Unemployment Insurance Reauthorization and Job Creation Act - Will prevent a tax increase of the income tax brackets, capital gains, extend energy efficiency credits and the estate tax. H.R. 5623 Homebuyer Assistance and Improvement Act - Would extend the closing deadline for the homebuyer tax credit of up to $8,000 for the purchase of a principal residence to October 1, 2010. S. 2 - Middle Class Opportunity Act of 2009 - Declares that Congress should enact, and the President should sign, legislation to improve the lives of middle class families and provide them with greater opportunity to achieve the American dream by: providing middle class tax relief while making the tax laws simpler and more reliable. S. 1678 - Amends Internal Revenue Code provisions relating to the first-time homebuyer tax credit to: (1) extend such tax credit through May 31, 2010; (2) extend through December 31, 2009, the date until which purchases of a principal residence may be treated as made on December 31, 2008, for tax purposes; and (3) extend through May 31, 2010, the waiver of recapture requirements for residences purchased after December 31, 2008. C.A.R. is following and opposing a CBO report discussing the possibility of reducing the mortgage interest deduction (MID) from the present $1.1 million cap to $500,000, replacing the MID with a flat tax credit that is 15% of mortgage interest paid, and/or eliminating the deduction for all state and local taxes, including property taxes. C.A.R. expressed their concern and opposition to members of Congress regarding the President's proposed budget for FY 2011 and its proposed limitation on itemized deductions. C.A.R. commented on the National Commission on Fiscal Responsibility and Reforms' proposal to reduce and/or eliminate real estate tax provisions.

H.R. 200 - Helping Families Save their Homes in Bankruptcy Act of 2009 - Excludes from computation of debts the secured or unsecured portions of: (1) debts secured by the debtor's principal residence if the current value of that residence is less than the secured debt limit. H.R. 1106 - Helping Families Save Their Homes Act of 2009 - Amends federal bankruptcy law governing a Chapter 13 debtor (adjustment of debts of an individual with regular income) to exclude from the computation of debts the secured or unsecured portions of: (1) debts secured by the debtor's principal residence if the value of the residence is less than the applicable maximum amount of noncontingent, liquidated, secured debts; or (2) debts secured or formerly secured by the debtor's principal residence that was either sold in foreclosure or surrendered to the creditor if the property's value was less than the applicable maximum amount of noncontingent, liquidated, secured debts. S. 61 - Helping Families Save their Homes in Bankruptcy Act of 2009 - Amends federal bankruptcy law governing a Chapter 13 debtor (adjustment of debts of an individual with regular income). Excludes from computation of debts the secured or unsecured portions of: (1) debts secured by the debtor's principal residence if the current value of that residence is less than the secured debt limit; or (2) debts secured or formerly secured by debtor's principal residence that was either sold in foreclosure or surrendered to the creditor if the current value of such real property is less than the secured debt limit.

H.R.2756 - To amend the Internal Revenue Code of 1986 to allow eligible veterans to use qualified veterans mortgage bonds to refinance home loans, and for other purposes. C.A.R. is lobbying the VA to allow VA home loan fees to be negotiable by the seller and the buyer instead of the current set standards in order to allow more flexability for a deploying solider who may not have the time to work through the intricate details that a VA loan currently requires.

H.R. 1728 - To amend the Truth in Lending Act to reform consumer mortgage practices and provide accountability for such practices, to provide certain minimum standards for consumer mortgage loans, and for other purposes. H.R. 1479 - To enhance the availability of capital, credit, and other banking and financial services for all citizens and communities, to ensure that community reinvestment requirements are updated to account for changes in the financial industry and that reinvestment requirements keep pace as banks, securities firms, and other financial service providers become affiliates as a result of the enactment of the Gramm-Leach-Bliley Act, and for other purposes. H.R. 2483 - Increasing Homeownership Opportunities Act - Amends the Federal Home Loan Mortgage Corporation Act and the Federal National Mortgage Association Charter Act to increase limitations on the maximum original principal obligation of mortgages that may purchased by the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation Association (Freddie Mac). H.R. 3126 - Consumer Financial Protection Agency Act of 2009 - Establishes the Consumer Financial Protection Agency as an independent executive agency to regulate the provision of consumer financial products or services (products or services). H.R. 3288 - Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2010 - Includes language to expand current GSE & FHA Loan Limits through Fiscal Year 2010. H.R. 3380 - Promoting Lending to America's Small Businesses Act of 2009 - To amend the Federal Credit Union Act to advance the ability of credit unions to promote small business growth and economic development opportunities, and for other purposes. H.R. 4173 - Wall Street Reform and Consumer Protection Act - Creates a Consumer Financial Protection Agency (CFPA) to monitor any consumer financial products, creates the Federal Insurance Office (FIO) to advise Treasury on major domestic and international insurance policy issues, requires new appraisal rules no later than 60 days after the bill is enacted and would sunset the HVCC, creates a council of federal regulators to oversee the financial system for companies that pose a systemic risk, attempts to make some regulatory simplification, but does not eliminate all the different regulatory bodies. H.R. 5072 - FHA Reform Act of 2010 - To improve the financial safety and soundness of the FHA mortgage insurance program. H.R. 6256 - Strengthening FHA through Shared Equity Homeownership Act - Would crete a shared equity homeownership program under FHA. H.R. 6260 - Homeowners Equity Protection Act - Would prohibit private transfer fees on real properties, except for certain exclusions. S. 365 - Nationwide Mortgage Fraud Task Force Act of 2009 - Establishes in the Department of Justice (DOJ) a Nationwide Mortgage Fraud Task Force to: (1) establish branches in the 10 states with the highest concentration of mortgage fraud; (2) establish coordinating entities, and solicit the voluntary participation of federal, state, and local law enforcement and prosecutorial agencies, to organize initiatives to address mortgage fraud; (3) train such agencies; (4) collect and disseminate mortgage fraud data; and (5) perform other related functions. C.A.R. lobbied concerning the future of the GSE's (Fannie Mae and Freddie Mac) and their future regulatory structure. C.A.R. monitored and discussed with members of Congress the potential impact on the availability of capital in the housing market when the Federal Reserve ended its $1.25 trillion purchase of mortgage-backed-securities at the end of the 1stQ 2010. C.A.R. submitted a comment letter to HUD on their proposed rule implementing the SAFE Act and its application to real estate transactions that involve seller financing. C.A.R. commented to the Treasury, Fannie Mae and Freddie Mac regarding their implementation of the Home Affordable Foreclosure Alternatives Program and how language in their proposed form will impact real estate agents involved in a HAFA short sale and how to improve the HAFA process. C.A.R. commented to Fannie Mae, Freddie Mac and FHFA regarding "Private Transfer Fees." C.A.R. asked them to issue guidelines opposing these fees and refuse to purchase, guarantee or insure mortgages taht have these fees on title. C.A.R. commented to the Federal Housing Finance Agency on their proposed guidelines regarding Private Transfer Fee Covenants. C.A.R. commented to the U.S. Treasury Department on their Request for Public Input on Reform of the Housing Finance System.

H.R. 37 - Systematic Foreclosure Prevention and Mortgage Modification Act - Directs the Chairperson of the Federal Deposit Insurance Corporation (FDIC) to establish a systematic foreclosure prevention and mortgage modification program by: (1) paying mortgage servicers $1,000 to cover expenses for each loan modified according to specified standards; and (2) sharing up to 50% of any losses incurred if a modified loan should subsequently re-default. H.R. 587 - Increases the loan limits during calendar 2009 for: (1) the Federal Housing Administration (FHA) single family housing mortgage insurance programs and the reverse mortgage program; and (2) the conforming loan limits for Fannie Mae and Freddie Mac during 2009. Declares that, if the dollar amount limitation on the principal obligation of a mortgage for which the mortgagee issues credit approval during 2009 for any size residence for any area is less than the dollar amount limitation in effect for 2008 under the Economic Stimulus Act of 2008, the maximum dollar amount limitation on the principal obligation of such a mortgage shall be considered to be the dollar amount limitation in effect for 2008. H.R. 600 - FHA Seller-Financed Downpayment Reform Act of 2009 - Amends the National Housing Act to make exceptions to the prohibition against mortgage insurance for mortgages involving a downpayment using funds furnished by: (1) the seller or any party that benefits financially from the transaction (seller-financed downpayment); or (2) any third party that is reimbursed by the seller or any such party. H.R. 788 - Shields a servicer of pooled residential mortgages acting in compliance with certain fiduciary duties under the Truth in Lending Act from liability for entering into a loan modification or workout plan in connection with any such mortgages initiated before January 1, 2012. Specifies that such servicers shall not be liable to: (1) any person based on that person's ownership of a residential mortgage loan or any interest in a pool of residential mortgage loans or in securities that distribute payments out of payments in loans on the pool; (2) any person obligated pursuant to a derivatives instrument to make payments determined in reference to any such loans or interest; or (3) any person that insures any such loans or interest under federal, state, or local law. H.R. 2483 - To permanently increase the conforming loan limits for the Federal Home Loan Mortgage Corporation and the Federal National Mortgage Association and the FHA maximum mortgage amount limitations. H.R.3044 - Imposes an 18-month moratorium on the Home Valuation Code of Conduct. H.R. 3081 - Continuing Appropriations Act - Extended funding for the government, and extended current loan limits for the Government Sponsored Enterprises' and the Federal Housing Administration's loan limits. H.R. 3146 - 21st Century FHA Housing Act of 2009 - Amends the National Housing Act to give FHA the ability to expand their staff and upgrade their technology, target reviews of loan performance to better protect the financial health of the program, and provide the HUD Secretary with authority to implement new programs to minimize foreclosures, which may include short sales and deeds-in-lieu. It also fixes technical errors from the Housing and Economic Recovery Act that passed in 2008, including streamlining condominium purchases and implementing the new dollar limit on energy efficient mortgages. C.A.R. lobbied the FHA about instiuting new appraisal rules based off of the Housing Valuation Code of Conduct. C.A.R. lobbied to repeal the FHA 90-day flipping rule as it was pushing many FHA buyers out of financing for available homes that had been purchased, reparied, and put back on the market. C.A.R. lobbied FHA on the elimination of the spot approval process for FHA condo loans.

H.R. 200 - Helping Families Save their Homes in Bankruptcy Act of 2009 - Excludes from computation of debts the secured or unsecured portions of: (1) debts secured by the debtor's principal residence if the current value of that residence is less than the secured debt limit. H.R. 1106 - Helping Families Save Their Homes Act of 2009 - Amends federal bankruptcy law governing a Chapter 13 debtor (adjustment of debts of an individual with regular income) to exclude from the computation of debts the secured or unsecured portions of: (1) debts secured by the debtor's principal residence if the value of the residence is less than the applicable maximum amount of noncontingent, liquidated, secured debts; or (2) debts secured or formerly secured by the debtor's principal residence that was either sold in foreclosure or surrendered to the creditor if the property's value was less than the applicable maximum amount of noncontingent, liquidated, secured debts. S. 61 - Helping Families Save their Homes in Bankruptcy Act of 2009 - Amends federal bankruptcy law governing a Chapter 13 debtor (adjustment of debts of an individual with regular income). Excludes from computation of debts the secured or unsecured portions of: (1) debts secured by the debtor's principal residence if the current value of that residence is less than the secured debt limit; or (2) debts secured or formerly secured by debtor's principal residence that was either sold in foreclosure or surrendered to the creditor if the current value of such real property is less than the secured debt limit.

H.R. 1778 - To provide for the establishment of national energy and environmental building retrofit policies for both residential and commercial buildings, and for other purposes. H.R. 2454 - American Clean Energy and Security Act of 2009 - Lobbied on behalf of removing any point-of-sale requirements as well and any mandatory retrofits. H.R. 2454 provides financial incentives, such as grants, loans, loan guarantees, and/or mortgage interest rate buy-downs, for property owners who voluntarily make energy efficiency improvements, creates a national building code standard that states will have to adopt or the federal government will set and enforce the states building codes. H.R. 5019 - Home Star Energy Retrofit Act of 2010 - To provide for the establishment of the Home Star Retrofit Rebate Program, and for other purposes. S. 1733 - provides financial incentives, such as grants, loans, loan guarantees, and/or mortgage interest rate buy-downs, for property owners who voluntarily make energy efficiency improvements, creates a national building code standard that states will have to adopt or the federal government will set and enforce the states building codes. C.A.R. is monitoring an "Endangerment Finding" by the EPA that CO2 emmissions acan be regulated under the Clean Air Act. C.A.R. has lobbied FHFA, Fannie Mae and Freddie Mac regarding the Property Assessed Clean Energy (PACE) program. C.A.R. is working with these entities to determine a methond of implementation by local governments that will allow them to purchase or guarantee mortgagees on properties with PACE energy improvement loans. C.A.R. commented on the Department of Energy's Request for Information on National Energy Rating Program for Homes.

H.R. 1728 - To amend the Truth in Lending Act to reform consumer mortgage practices and provide accountability for such practices, to provide certain minimum standards for consumer mortgage loans, and for other purposes. H.R. 1479 - To enhance the availability of capital, credit, and other banking and financial services for all citizens and communities, to ensure that community reinvestment requirements are updated to account for changes in the financial industry and that reinvestment requirements keep pace as banks, securities firms, and other financial service providers become affiliates as a result of the enactment of the Gramm-Leach-Bliley Act, and for other purposes. H.R. 2483 - Increasing Homeownership Opportunities Act - Amends the Federal Home Loan Mortgage Corporation Act and the Federal National Mortgage Association Charter Act to increase limitations on the maximum original principal obligation of mortgages that may purchased by the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation Association (Freddie Mac). H.R. 3126 - Consumer Financial Protection Agency Act of 2009 - Establishes the Consumer Financial Protection Agency as an independent executive agency to regulate the provision of consumer financial products or services (products or services). H.R. 3288 - Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2010 - Includes language to expand current GSE & FHA Loan Limits through Fiscal Year 2010. H.R. 3380 - Promoting Lending to America's Small Businesses Act of 2009 - To amend the Federal Credit Union Act to advance the ability of credit unions to promote small business growth and economic development opportunities, and for other purposes. H.R. 4173 - Wall Street Reform and Consumer Protection Act - Creates a Consumer Financial Protection Agency (CFPA) to monitor any consumer financial products, creates the Federal Insurance Office (FIO) to advise Treasury on major domestic and international insurance policy issues, requires new appraisal rules no later than 60 days after the bill is enacted and would sunset the HVCC, creates a council of federal regulators to oversee the financial system for companies that pose a systemic risk, attempts to make some regulatory simplification, but does not eliminate all the different regulatory bodies. H.R. 5072 - FHA Reform Act of 2010 - To improve the financial safety and soundness of the FHA mortgage insurance program. H.R. 6256 - Strengthening FHA through Shared Equity Homeownership Act - Would crete a shared equity homeownership program under FHA. H.R. 6260 - Homeowners Equity Protection Act - Would prohibit private transfer fees on real properties, except for certain exclusions. S. 365 - Nationwide Mortgage Fraud Task Force Act of 2009 - Establishes in the Department of Justice (DOJ) a Nationwide Mortgage Fraud Task Force to: (1) establish branches in the 10 states with the highest concentration of mortgage fraud; (2) establish coordinating entities, and solicit the voluntary participation of federal, state, and local law enforcement and prosecutorial agencies, to organize initiatives to address mortgage fraud; (3) train such agencies; (4) collect and disseminate mortgage fraud data; and (5) perform other related functions. C.A.R. lobbied concerning the future of the GSE's (Fannie Mae and Freddie Mac) and their future regulatory structure. C.A.R. monitored and discussed with members of Congress the potential impact on the availability of capital in the housing market when the Federal Reserve ended its $1.25 trillion purchase of mortgage-backed-securities at the end of the 1stQ 2010. C.A.R. submitted a comment letter to HUD on their proposed rule implementing the SAFE Act and its application to real estate transactions that involve seller financing. C.A.R. commented to the Treasury, Fannie Mae and Freddie Mac regarding their implementation of the Home Affordable Foreclosure Alternatives Program and how language in their proposed form will impact real estate agents involved in a HAFA short sale. C.A.R. commented to Fannie Mae, Freddie Mac and FHFA regarding "Private Transfer Fees." C.A.R. asked them to issue guidelines opposing these fees and refuse to purchase, guarantee or insure mortgages taht have these fees on title. C.A.R. commented to the Federal Housing Finance Agency on their proposed guidelines regarding Private Transfer Fee Covenants. C.A.R. commented to the U.S. Treasury Department on their Request for Public Input on Reform of the Housing Finance System.

H.R. 498 - Capital Gains and Estate Tax Relief Act of 2009 - Makes permanent the reduction in capital gains tax rates (from 20 to 15%) enacted by the Jobs and Growth Tax Relief and Reconciliation Act of 2003. H.R. 436 - Certain Estate Tax Relief Act of 2009 - Restores the tax on estates and generation-skipping transfers and the step-up in basis provisions for property acquired from a decedent, previously repealed by the Economic Growth and Tax Relief Reconciliation Act of 2001 (EGTRRA). Declares that the sunset provision (general terminating date of December 10, 2010) of EGTRRA shall not apply to title V of such Act ( Estate, Gift, and Generation-Skipping Transfer Tax Provisions). H.R. 755 - Amends the Internal Revenue Code to allow an individual taxpayer an exclusion from gross income of the gain from the sale or exchange of up to two residences (other than a principal residence) acquired after December 31, 2008, and before January 1, 2012. Limits the amount of such exclusion to $250,000 ($500,000 for married taxpayers filing a joint return). Allows a $500,000 exclusion amount for a surviving spouse who sells a residence within two years of the death of a spouse. H.R. 1245 - Homebuyer Tax Credit Act of 2009 - Amends the Internal Revenue Code to replace the current tax credit for first-time homebuyers with a one-time credit for 10% of the purchase price of a principal residence, up to $15,000. Requires repayment of credit amounts if the taxpayer sells or fails to occupy the residence within 24 months after the date of purchase. H.R. 3548 - Worker, Homeownership, and Business Assistance Act of 2009 - Included an extension of the current Homebuyer Tax Credit through April 30, 2010 (plus 60 days to close escrow), increased the income limitation, and expanded the credit to "step-up" buyers. Additionally, special provisions were added to allow greater and longer access to the tax credit for military personnel serving overseas. H.R.4154 - Permanent Estate Tax Relief For Families, Farmers, and Small Businesses Act of 2009 - Would permanently extend the 2009 exemption and tax rate. H.R.4213 - Tax Extenders Act of 2009 - One year extension of tax deductions that includes: the standard deduction for state and local property taxes, 15-year leasehold improvements, contributions of capital gain real property for conservation purposes, Brownfield Deduction, and Low-Income Housing Credit. Part of the offset for these tax extensions would be a change to the taxation of carried interest at regular income rates instead of at capital gain rates. H.R. 5623 Homebuyer Assistance and Improvement Act - Would extend the closing deadline for the homebuyer tax credit of up to $8,000 for the purchase of a principal residence to October 1, 2010. S. 2 - Middle Class Opportunity Act of 2009 - Declares that Congress should enact, and the President should sign, legislation to improve the lives of middle class families and provide them with greater opportunity to achieve the American dream by: providing middle class tax relief while making the tax laws simpler and more reliable. S. 1678 - Amends Internal Revenue Code provisions relating to the first-time homebuyer tax credit to: (1) extend such tax credit through May 31, 2010; (2) extend through December 31, 2009, the date until which purchases of a principal residence may be treated as made on December 31, 2008, for tax purposes; and (3) extend through May 31, 2010, the waiver of recapture requirements for residences purchased after December 31, 2008. C.A.R. is following and opposing a CBO report discussing the possibility of reducing the mortgage interest deduction (MID) from the present $1.1 million cap to $500,000, replacing the MID with a flat tax credit that is 15% of mortgage interest paid, and/or eliminating the deduction for all state and local taxes, including property taxes. C.A.R. Expressed their concern and opposition to members of Congress regarding the President's proposed budget for FY 2011 and its proposed limitation on itemized deductions.

H.R.2756 - To amend the Internal Revenue Code of 1986 to allow eligible veterans to use qualified veterans mortgage bonds to refinance home loans, and for other purposes. C.A.R. is lobbying the VA to allow VA home loan fees to be negotiable by the seller and the buyer instead of the current set standards in order to allow more flexability for a deploying solider who may not have the time to work through the intricate details that a VA loan currently requires.

H.R. 37 - Systematic Foreclosure Prevention and Mortgage Modification Act - Directs the Chairperson of the Federal Deposit Insurance Corporation (FDIC) to establish a systematic foreclosure prevention and mortgage modification program by: (1) paying mortgage servicers $1,000 to cover expenses for each loan modified according to specified standards; and (2) sharing up to 50% of any losses incurred if a modified loan should subsequently re-default. H.R. 587 - Increases the loan limits during calendar 2009 for: (1) the Federal Housing Administration (FHA) single family housing mortgage insurance programs and the reverse mortgage program; and (2) the conforming loan limits for Fannie Mae and Freddie Mac during 2009. Declares that, if the dollar amount limitation on the principal obligation of a mortgage for which the mortgagee issues credit approval during 2009 for any size residence for any area is less than the dollar amount limitation in effect for 2008 under the Economic Stimulus Act of 2008, the maximum dollar amount limitation on the principal obligation of such a mortgage shall be considered to be the dollar amount limitation in effect for 2008. H.R. 600 - FHA Seller-Financed Downpayment Reform Act of 2009 - Amends the National Housing Act to make exceptions to the prohibition against mortgage insurance for mortgages involving a downpayment using funds furnished by: (1) the seller or any party that benefits financially from the transaction (seller-financed downpayment); or (2) any third party that is reimbursed by the seller or any such party. H.R. 788 - Shields a servicer of pooled residential mortgages acting in compliance with certain fiduciary duties under the Truth in Lending Act from liability for entering into a loan modification or workout plan in connection with any such mortgages initiated before January 1, 2012. Specifies that such servicers shall not be liable to: (1) any person based on that person's ownership of a residential mortgage loan or any interest in a pool of residential mortgage loans or in securities that distribute payments out of payments in loans on the pool; (2) any person obligated pursuant to a derivatives instrument to make payments determined in reference to any such loans or interest; or (3) any person that insures any such loans or interest under federal, state, or local law. H.R. 2483 - To permanently increase the conforming loan limits for the Federal Home Loan Mortgage Corporation and the Federal National Mortgage Association and the FHA maximum mortgage amount limitations. H.R.3044 - Imposes an 18-month moratorium on the Home Valuation Code of Conduct. H.R. 3146 - 21st Century FHA Housing Act of 2009 - Amends the National Housing Act to give FHA the ability to expand their staff and upgrade their technology, target reviews of loan performance to better protect the financial health of the program, and provide the HUD Secretary with authority to implement new programs to minimize foreclosures, which may include short sales and deeds-in-lieu. It also fixes technical errors from the Housing and Economic Recovery Act that passed in 2008, including streamlining condominium purchases and implementing the new dollar limit on energy efficient mortgages. C.A.R. lobbied the FHA about instiuting new appraisal rules based off of the Housing Valuation Code of Conduct. C.A.R. lobbied to repeal the FHA 90-day flipping rule as it was pushing many FHA buyers out of financing for available homes that had been purchased, reparied, and put back on the market. C.A.R. lobbied FHA on the elimination of the spot approval process for FHA condo loans.

H.R. 1778 - To provide for the establishment of national energy and environmental building retrofit policies for both residential and commercial buildings, and for other purposes. H.R. 2454 - American Clean Energy and Security Act of 2009 - Lobbied on behalf of removing any point-of-sale requirements as well and any mandatory retrofits. H.R. 2454 provides financial incentives, such as grants, loans, loan guarantees, and/or mortgage interest rate buy-downs, for property owners who voluntarily make energy efficiency improvements, creates a national building code standard that states will have to adopt or the federal government will set and enforce the states building codes. H.R. 5019 - Home Star Energy Retrofit Act of 2010 - To provide for the establishment of the Home Star Retrofit Rebate Program, and for other purposes. S. 1733 - provides financial incentives, such as grants, loans, loan guarantees, and/or mortgage interest rate buy-downs, for property owners who voluntarily make energy efficiency improvements, creates a national building code standard that states will have to adopt or the federal government will set and enforce the states building codes. C.A.R. is monitoring an "Endangerment Finding" by the EPA that CO2 emmissions acan be regulated under the Clean Air Act. C.A.R. has lobbied FHFA, Fannie Mae and Freddie Mac regarding the Property Assessed Clean Energy (PACE) program. C.A.R. is working with these entities to determine a methond of implementation by local governments that will allow them to purchase or guarantee mortgagees on properties with PACE energy improvement loans.

H.R 83 - Homeowners Insurance Protection Act of 2009 - Authorizes the Secretary to make homeowners protection coverage available through contracts for reinsurance coverage. Restricts purchase of such coverage to eligible state programs. Prescribes criteria for state eligibility. H.R. 1264 - To amend the National Flood Insurance Act of 1968 to provide for the national flood insurance program to make available multiperil coverage for damage resulting from windstorms or floods, and for other purposes. H.R. 3139 - National Flood Insurance Program Extension Act of 2009 - Amends the National Flood Insurance Act of 1968 to extend the national flood insurance program from September 30, 2008, through March 31, 2010. H.R. 3200 - America's Affordable Health Choices Act of 2009 - Sets forth provisions governing health insurance plans and issuers, including: (1) exempting grandfathered health insurance coverage from requirements of this Act; (2) prohibiting preexisting condition exclusions; (3) providing for guaranteed coverage to all individuals and employers and automatic renewal of coverage; (4) prohibiting premium variances, except for reasons of age, area, or family enrollment; and (5) prohibiting rescission of health insurance coverage without clear and convincing evidence of fraud. Also deals with small business incentives and exemptions for healthcare coverage of employees. H.R. 3590 - Senate Healthcare - Sets forth provisions governing health insurance plans and issuers, including: (1) exempting grandfathered health insurance coverage from requirements of this Act; (2) prohibiting preexisting condition exclusions; (3) providing for guaranteed coverage to all individuals and employers and automatic renewal of coverage; (4) prohibiting premium variances, except for reasons of age, area, or family enrollment; and (5) prohibiting rescission of health insurance coverage without clear and convincing evidence of fraud. Also deals with small business incentives and exemptions for healthcare coverage of employees. H.R. 4851 - Continuing Extension of 2010 - Will extend multiple federal programs whose funding were set to expire; in particular the National Flood Insurance Program. H.R. 5569 - National Flood Inasurance Program Extension Act - To extend the National Flood Insurance Program until September 30, 2010. S. 505 - A bill to establish a National Catastrophe Risks Consortium and a National Homeowner's Insurance Stabilization Program, and for the other purposes.

H.R. 1728 - To amend the Truth in Lending Act to reform consumer mortgage practices and provide accountability for such practices, to provide certain minimum standards for consumer mortgage loans, and for other purposes. H.R. 1479 - To enhance the availability of capital, credit, and other banking and financial services for all citizens and communities, to ensure that community reinvestment requirements are updated to account for changes in the financial industry and that reinvestment requirements keep pace as banks, securities firms, and other financial service providers become affiliates as a result of the enactment of the Gramm-Leach-Bliley Act, and for other purposes. H.R. 2483 - Increasing Homeownership Opportunities Act - Amends the Federal Home Loan Mortgage Corporation Act and the Federal National Mortgage Association Charter Act to increase limitations on the maximum original principal obligation of mortgages that may purchased by the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation Association (Freddie Mac). H.R. 3126 - Consumer Financial Protection Agency Act of 2009 - Establishes the Consumer Financial Protection Agency as an independent executive agency to regulate the provision of consumer financial products or services (products or services). H.R. 3288 - Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2010 - Includes language to expand current GSE & FHA Loan Limits through Fiscal Year 2010. H.R. 3380 - Promoting Lending to America's Small Businesses Act of 2009 - To amend the Federal Credit Union Act to advance the ability of credit unions to promote small business growth and economic development opportunities, and for other purposes. H.R. 4173 - Wall Street Reform and Consumer Protection Act - Creates a Consumer Financial Protection Agency (CFPA) to monitor any consumer financial products, creates the Federal Insurance Office (FIO) to advise Treasury on major domestic and international insurance policy issues, requires new appraisal rules no later than 60 days after the bill is enacted and would sunset the HVCC, creates a council of federal regulators to oversee the financial system for companies that pose a systemic risk, attempts to make some regulatory simplification, but does not eliminate all the different regulatory bodies. H.R. 5072 - FHA Reform Act of 2010 - To improve the financial safety and soundness of the FHA mortgage insurance program. S. 365 - Nationwide Mortgage Fraud Task Force Act of 2009 - Establishes in the Department of Justice (DOJ) a Nationwide Mortgage Fraud Task Force to: (1) establish branches in the 10 states with the highest concentration of mortgage fraud; (2) establish coordinating entities, and solicit the voluntary participation of federal, state, and local law enforcement and prosecutorial agencies, to organize initiatives to address mortgage fraud; (3) train such agencies; (4) collect and disseminate mortgage fraud data; and (5) perform other related functions. C.A.R. lobbied concerning the future of the GSE's (Fannie Mae and Freddie Mac) and their future regulatory structure. C.A.R. monitored and discussed with members of Congress the potential impact on the availability of capital in the housing market when the Federal Reserve ended its $1.25 trillion purchase of mortgage-backed-securities at the end of the 1stQ 2010. C.A.R. submitted a comment letter to HUD on their proposed rule implementing the SAFE Act and its application to real estate transactions that involve seller financing. C.A.R. commented to the Treasury, Fannie Mae and Freddie Mac regarding their implementation of the Home Affordable Foreclosure Alternatives Program and how language in their proposed form will impact real estate agents involved in a HAFA short sale. C.A.R. commented to Fannie Mae, Freddie Mac and FHA regarding "Private Transfer Fees." C.A.R. asked them to issue guidelines opposing these fees and refuse to purchase, guarantee or insure mortgages that have these fees on title.

H.R. 200 - Helping Families Save their Homes in Bankruptcy Act of 2009 - Excludes from computation of debts the secured or unsecured portions of: (1) debts secured by the debtor's principal residence if the current value of that residence is less than the secured debt limit. H.R. 1106 - Helping Families Save Their Homes Act of 2009 - Amends federal bankruptcy law governing a Chapter 13 debtor (adjustment of debts of an individual with regular income) to exclude from the computation of debts the secured or unsecured portions of: (1) debts secured by the debtor's principal residence if the value of the residence is less than the applicable maximum amount of noncontingent, liquidated, secured debts; or (2) debts secured or formerly secured by the debtor's principal residence that was either sold in foreclosure or surrendered to the creditor if the property's value was less than the applicable maximum amount of noncontingent, liquidated, secured debts. S. 61 - Helping Families Save their Homes in Bankruptcy Act of 2009 - Amends federal bankruptcy law governing a Chapter 13 debtor (adjustment of debts of an individual with regular income). Excludes from computation of debts the secured or unsecured portions of: (1) debts secured by the debtor's principal residence if the current value of that residence is less than the secured debt limit; or (2) debts secured or formerly secured by debtor's principal residence that was either sold in foreclosure or surrendered to the creditor if the current value of such real property is less than the secured debt limit.

H.R. 37 - Systematic Foreclosure Prevention and Mortgage Modification Act - Directs the Chairperson of the Federal Deposit Insurance Corporation (FDIC) to establish a systematic foreclosure prevention and mortgage modification program by: (1) paying mortgage servicers $1,000 to cover expenses for each loan modified according to specified standards; and (2) sharing up to 50% of any losses incurred if a modified loan should subsequently re-default. H.R. 587 - Increases the loan limits during calendar 2009 for: (1) the Federal Housing Administration (FHA) single family housing mortgage insurance programs and the reverse mortgage program; and (2) the conforming loan limits for Fannie Mae and Freddie Mac during 2009. Declares that, if the dollar amount limitation on the principal obligation of a mortgage for which the mortgagee issues credit approval during 2009 for any size residence for any area is less than the dollar amount limitation in effect for 2008 under the Economic Stimulus Act of 2008, the maximum dollar amount limitation on the principal obligation of such a mortgage shall be considered to be the dollar amount limitation in effect for 2008. H.R. 600 - FHA Seller-Financed Downpayment Reform Act of 2009 - Amends the National Housing Act to make exceptions to the prohibition against mortgage insurance for mortgages involving a downpayment using funds furnished by: (1) the seller or any party that benefits financially from the transaction (seller-financed downpayment); or (2) any third party that is reimbursed by the seller or any such party. H.R. 788 - Shields a servicer of pooled residential mortgages acting in compliance with certain fiduciary duties under the Truth in Lending Act from liability for entering into a loan modification or workout plan in connection with any such mortgages initiated before January 1, 2012. Specifies that such servicers shall not be liable to: (1) any person based on that person's ownership of a residential mortgage loan or any interest in a pool of residential mortgage loans or in securities that distribute payments out of payments in loans on the pool; (2) any person obligated pursuant to a derivatives instrument to make payments determined in reference to any such loans or interest; or (3) any person that insures any such loans or interest under federal, state, or local law. H.R. 2483 - To permanently increase the conforming loan limits for the Federal Home Loan Mortgage Corporation and the Federal National Mortgage Association and the FHA maximum mortgage amount limitations. H.R.3044 - Imposes an 18-month moratorium on the Home Valuation Code of Conduct. H.R. 3146 - 21st Century FHA Housing Act of 2009 - Amends the National Housing Act to give FHA the ability to expand their staff and upgrade their technology, target reviews of loan performance to better protect the financial health of the program, and provide the HUD Secretary with authority to implement new programs to minimize foreclosures, which may include short sales and deeds-in-lieu. It also fixes technical errors from the Housing and Economic Recovery Act that passed in 2008, including streamlining condominium purchases and implementing the new dollar limit on energy efficient mortgages. C.A.R. lobbied against the FHA instiuting new appraisal rules based off of the Housing Valuation Code of Conduct. C.A.R. lobbied to repeal the FHA 90-day flipping rule as it was pushing many FHA buyers out of financing for available homes that had been purchased, reparied, and put back on the market. C.A.R. lobbied against the elimination of the spot approval process for FHA condo loans.

H.R 83 - Homeowners Insurance Protection Act of 2009 - Authorizes the Secretary to make homeowners protection coverage available through contracts for reinsurance coverage. Restricts purchase of such coverage to eligible state programs. Prescribes criteria for state eligibility. H.R. 1264 - To amend the National Flood Insurance Act of 1968 to provide for the national flood insurance program to make available multiperil coverage for damage resulting from windstorms or floods, and for other purposes. H.R. 3139 - National Flood Insurance Program Extension Act of 2009 - Amends the National Flood Insurance Act of 1968 to extend the national flood insurance program from September 30, 2008, through March 31, 2010. H.R. 3200 - America's Affordable Health Choices Act of 2009 - Sets forth provisions governing health insurance plans and issuers, including: (1) exempting grandfathered health insurance coverage from requirements of this Act; (2) prohibiting preexisting condition exclusions; (3) providing for guaranteed coverage to all individuals and employers and automatic renewal of coverage; (4) prohibiting premium variances, except for reasons of age, area, or family enrollment; and (5) prohibiting rescission of health insurance coverage without clear and convincing evidence of fraud. Also deals with small business incentives and exemptions for healthcare coverage of employees. H.R. 3590 - Senate Healthcare - Sets forth provisions governing health insurance plans and issuers, including: (1) exempting grandfathered health insurance coverage from requirements of this Act; (2) prohibiting preexisting condition exclusions; (3) providing for guaranteed coverage to all individuals and employers and automatic renewal of coverage; (4) prohibiting premium variances, except for reasons of age, area, or family enrollment; and (5) prohibiting rescission of health insurance coverage without clear and convincing evidence of fraud. Also deals with small business incentives and exemptions for healthcare coverage of employees. H.R. 4851 - Continuing Extension of 2010 - Will extend multiple federal programs whose funding were set to expire; in particular the National Flood Insurance Program. S. 505 - A bill to establish a National Catastrophe Risks Consortium and a National Homeowner's Insurance Stabilization Program, and for the other purposes.

H.R.2756 - To amend the Internal Revenue Code of 1986 to allow eligible veterans to use qualified veterans mortgage bonds to refinance home loans, and for other purposes. C.A.R. is lobbying the VA to allow VA home loan fees to be negotiable by the seller and the buyer instead of the current set standards in order to allow more flexability for a deploying solider who may not have the time to work through the intricate details that a VA loan currently requires.

H.R. 1778 - To provide for the establishment of national energy and environmental building retrofit policies for both residential and commercial buildings, and for other purposes. H.R. 2454 - American Clean Energy and Security Act of 2009 - Lobbied on behalf of removing any point-of-sale requirements as well and any mandatory retrofits. H.R. 2454 provides financial incentives, such as grants, loans, loan guarantees, and/or mortgage interest rate buy-downs, for property owners who voluntarily make energy efficiency improvements, creates a national building code standard that states will have to adopt or the federal government will set and enforce the states building codes. S. 1733 - provides financial incentives, such as grants, loans, loan guarantees, and/or mortgage interest rate buy-downs, for property owners who voluntarily make energy efficiency improvements, creates a national building code standard that states will have to adopt or the federal government will set and enforce the states building codes. C.A.R. is monitoring an "Endangerment Finding" by the EPA that CO2 emmissions acan be regulated under the Clean Air Act.

H.R. 498 - Capital Gains and Estate Tax Relief Act of 2009 - Makes permanent the reduction in capital gains tax rates (from 20 to 15%) enacted by the Jobs and Growth Tax Relief and Reconciliation Act of 2003. H.R. 436 - Certain Estate Tax Relief Act of 2009 - Restores the tax on estates and generation-skipping transfers and the step-up in basis provisions for property acquired from a decedent, previously repealed by the Economic Growth and Tax Relief Reconciliation Act of 2001 (EGTRRA). Declares that the sunset provision (general terminating date of December 10, 2010) of EGTRRA shall not apply to title V of such Act ( Estate, Gift, and Generation-Skipping Transfer Tax Provisions). H.R. 755 - Amends the Internal Revenue Code to allow an individual taxpayer an exclusion from gross income of the gain from the sale or exchange of up to two residences (other than a principal residence) acquired after December 31, 2008, and before January 1, 2012. Limits the amount of such exclusion to $250,000 ($500,000 for married taxpayers filing a joint return). Allows a $500,000 exclusion amount for a surviving spouse who sells a residence within two years of the death of a spouse. H.R. 1245 - Homebuyer Tax Credit Act of 2009 - Amends the Internal Revenue Code to replace the current tax credit for first-time homebuyers with a one-time credit for 10% of the purchase price of a principal residence, up to $15,000. Requires repayment of credit amounts if the taxpayer sells or fails to occupy the residence within 24 months after the date of purchase. H.R. 3548 - Worker, Homeownership, and Business Assistance Act of 2009 - Included an extension of the current Homebuyer Tax Credit through April 30, 2010 (plus 60 days to close escrow), increased the income limitation, and expanded the credit to "step-up" buyers. Additionally, special provisions were added to allow greater and longer access to the tax credit for military personnel serving overseas. H.R.4154 - Permanent Estate Tax Relief For Families, Farmers, and Small Businesses Act of 2009 - Would permanently extend the 2009 exemption and tax rate. H.R.4213 - Tax Extenders Act of 2009 - One year extension of tax deductions that includes: the standard deduction for state and local property taxes, 15-year leasehold improvements, contributions of capital gain real property for conservation purposes, Brownfield Deduction, and Low-Income Housing Credit. Part of the offset for these tax extensions would be a change to the taxation of carried interest at regular income rates instead of at capital gain rates. S. 2 - Middle Class Opportunity Act of 2009 - Declares that Congress should enact, and the President should sign, legislation to improve the lives of middle class families and provide them with greater opportunity to achieve the American dream by: providing middle class tax relief while making the tax laws simpler and more reliable. S. 1678 - Amends Internal Revenue Code provisions relating to the first-time homebuyer tax credit to: (1) extend such tax credit through May 31, 2010; (2) extend through December 31, 2009, the date until which purchases of a principal residence may be treated as made on December 31, 2008, for tax purposes; and (3) extend through May 31, 2010, the waiver of recapture requirements for residences purchased after December 31, 2008. C.A.R. is following and opposing a CBO report discussing the possibility of reducing the mortgage interest deduction (MID) from the present $1.1 million cap to $500,000, replacing the MID with a flat tax credit that is 15% of mortgage interest paid, and/or eliminating the deduction for all state and local taxes, including property taxes. C.A.R. Expressed their concern and opposition to members of Congress regarding the President's proposed budget for FY 2011 and its proposed limitation on itemized deductions.

H.R. 200 - Helping Families Save their Homes in Bankruptcy Act of 2009 - Excludes from computation of debts the secured or unsecured portions of: (1) debts secured by the debtor's principal residence if the current value of that residence is less than the secured debt limit. H.R. 1106 - Helping Families Save Their Homes Act of 2009 - Amends federal bankruptcy law governing a Chapter 13 debtor (adjustment of debts of an individual with regular income) to exclude from the computation of debts the secured or unsecured portions of: (1) debts secured by the debtor's principal residence if the value of the residence is less than the applicable maximum amount of noncontingent, liquidated, secured debts; or (2) debts secured or formerly secured by the debtor's principal residence that was either sold in foreclosure or surrendered to the creditor if the property's value was less than the applicable maximum amount of noncontingent, liquidated, secured debts. S. 61 - Helping Families Save their Homes in Bankruptcy Act of 2009 - Amends federal bankruptcy law governing a Chapter 13 debtor (adjustment of debts of an individual with regular income). Excludes from computation of debts the secured or unsecured portions of: (1) debts secured by the debtor's principal residence if the current value of that residence is less than the secured debt limit; or (2) debts secured or formerly secured by debtor's principal residence that was either sold in foreclosure or surrendered to the creditor if the current value of such real property is less than the secured debt limit.

H.R.2756 - To amend the Internal Revenue Code of 1986 to allow eligible veterans to use qualified veterans mortgage bonds to refinance home loans, and for other purposes. C.A.R. is lobbying the VA to allow VA home loan fees to be negotiable by the seller and the buyer instead of the current set standards in order to allow more flexability for a deploying solider who may not have the time to work through the intricate details that a VA loan currently requires.

H.R. 37 - Systematic Foreclosure Prevention and Mortgage Modification Act - Directs the Chairperson of the Federal Deposit Insurance Corporation (FDIC) to establish a systematic foreclosure prevention and mortgage modification program by: (1) paying mortgage servicers $1,000 to cover expenses for each loan modified according to specified standards; and (2) sharing up to 50% of any losses incurred if a modified loan should subsequently re-default. H.R. 587 - Increases the loan limits during calendar 2009 for: (1) the Federal Housing Administration (FHA) single family housing mortgage insurance programs and the reverse mortgage program; and (2) the conforming loan limits for Fannie Mae and Freddie Mac during 2009. Declares that, if the dollar amount limitation on the principal obligation of a mortgage for which the mortgagee issues credit approval during 2009 for any size residence for any area is less than the dollar amount limitation in effect for 2008 under the Economic Stimulus Act of 2008, the maximum dollar amount limitation on the principal obligation of such a mortgage shall be considered to be the dollar amount limitation in effect for 2008. H.R. 600 - FHA Seller-Financed Downpayment Reform Act of 2009 - Amends the National Housing Act to make exceptions to the prohibition against mortgage insurance for mortgages involving a downpayment using funds furnished by: (1) the seller or any party that benefits financially from the transaction (seller-financed downpayment); or (2) any third party that is reimbursed by the seller or any such party. H.R. 788 - Shields a servicer of pooled residential mortgages acting in compliance with certain fiduciary duties under the Truth in Lending Act from liability for entering into a loan modification or workout plan in connection with any such mortgages initiated before January 1, 2012. Specifies that such servicers shall not be liable to: (1) any person based on that person's ownership of a residential mortgage loan or any interest in a pool of residential mortgage loans or in securities that distribute payments out of payments in loans on the pool; (2) any person obligated pursuant to a derivatives instrument to make payments determined in reference to any such loans or interest; or (3) any person that insures any such loans or interest under federal, state, or local law. H.R. 2483 - To permanently increase the conforming loan limits for the Federal Home Loan Mortgage Corporation and the Federal National Mortgage Association and the FHA maximum mortgage amount limitations. H.R.3044 - Imposes an 18-month moratorium on the Home Valuation Code of Conduct. H.R. 3146 - 21st Century FHA Housing Act of 2009 - Amends the National Housing Act to give FHA the ability to expand their staff and upgrade their technology, target reviews of loan performance to better protect the financial health of the program, and provide the HUD Secretary with authority to implement new programs to minimize foreclosures, which may include short sales and deeds-in-lieu. It also fixes technical errors from the Housing and Economic Recovery Act that passed in 2008, including streamlining condominium purchases and implementing the new dollar limit on energy efficient mortgages. C.A.R. lobbied against the FHA instiuting new appraisal rules based off of the Housing Valuation Code of Conduct. C.A.R. lobbied to repeal the FHA 90-day flipping rule as it was pushing many FHA buyers out of financing for available homes that had been purchased, reparied, and put back on the market.

H.R. 200 - Helping Families Save their Homes in Bankruptcy Act of 2009 - Excludes from computation of debts the secured or unsecured portions of: (1) debts secured by the debtor's principal residence if the current value of that residence is less than the secured debt limit. H.R. 1106 - Helping Families Save Their Homes Act of 2009 - Amends federal bankruptcy law governing a Chapter 13 debtor (adjustment of debts of an individual with regular income) to exclude from the computation of debts the secured or unsecured portions of: (1) debts secured by the debtor's principal residence if the value of the residence is less than the applicable maximum amount of noncontingent, liquidated, secured debts; or (2) debts secured or formerly secured by the debtor's principal residence that was either sold in foreclosure or surrendered to the creditor if the property's value was less than the applicable maximum amount of noncontingent, liquidated, secured debts. S. 61 - Helping Families Save their Homes in Bankruptcy Act of 2009 - Amends federal bankruptcy law governing a Chapter 13 debtor (adjustment of debts of an individual with regular income). Excludes from computation of debts the secured or unsecured portions of: (1) debts secured by the debtor's principal residence if the current value of that residence is less than the secured debt limit; or (2) debts secured or formerly secured by debtor's principal residence that was either sold in foreclosure or surrendered to the creditor if the current value of such real property is less than the secured debt limit.

H.R. 1728 - To amend the Truth in Lending Act to reform consumer mortgage practices and provide accountability for such practices, to provide certain minimum standards for consumer mortgage loans, and for other purposes. H.R. 1479 - To enhance the availability of capital, credit, and other banking and financial services for all citizens and communities, to ensure that community reinvestment requirements are updated to account for changes in the financial industry and that reinvestment requirements keep pace as banks, securities firms, and other financial service providers become affiliates as a result of the enactment of the Gramm-Leach-Bliley Act, and for other purposes. H.R. 2483 - Increasing Homeownership Opportunities Act - Amends the Federal Home Loan Mortgage Corporation Act and the Federal National Mortgage Association Charter Act to increase limitations on the maximum original principal obligation of mortgages that may purchased by the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation Association (Freddie Mac). H.R. 3126 - Consumer Financial Protection Agency Act of 2009 - Establishes the Consumer Financial Protection Agency as an independent executive agency to regulate the provision of consumer financial products or services (products or services). H.R. 3288 - Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2010 - Includes language to expand current GSE & FHA Loan Limits through Fiscal Year 2010. H.R. 4173 - Wall Street Reform and Consumer Protection Act - Creates a Consumer Financial Protection Agency (CFPA) to monitor any consumer financial products, creates the Federal Insurance Office (FIO) to advise Treasury on major domestic and international insurance policy issues, requires new appraisal rules no later than 60 days after the bill is enacted and would sunset the HVCC, creates a council of federal regulators to oversee the financial system for companies that pose a systemic risk, attempts to make some regulatory simplification, but does not eliminate all the different regulatory bodies. S. 365 - Nationwide Mortgage Fraud Task Force Act of 2009 - Establishes in the Department of Justice (DOJ) a Nationwide Mortgage Fraud Task Force to: (1) establish branches in the 10 states with the highest concentration of mortgage fraud; (2) establish coordinating entities, and solicit the voluntary participation of federal, state, and local law enforcement and prosecutorial agencies, to organize initiatives to address mortgage fraud; (3) train such agencies; (4) collect and disseminate mortgage fraud data; and (5) perform other related functions. C.A.R. lobbied concerning the future of the GSE's (Fannie Mae and Freddie Mac) and their future regulatory structure.

H.R. 1778 - To provide for the establishment of national energy and environmental building retrofit policies for both residential and commercial buildings, and for other purposes. H.R. 2454 - American Clean Energy and Security Act of 2009 - Lobbied on behalf of removing any point-of-sale requirements as well and any mandatory retrofits. H.R. 2454 provides financial incentives, such as grants, loans, loan guarantees, and/or mortgage interest rate buy-downs, for property owners who voluntarily make energy efficiency improvements, creates a national building code standard that states will have to adopt or the federal government will set and enforce the states building codes. S. 1733 - provides financial incentives, such as grants, loans, loan guarantees, and/or mortgage interest rate buy-downs, for property owners who voluntarily make energy efficiency improvements, creates a national building code standard that states will have to adopt or the federal government will set and enforce the states building codes. C.A.R. is monitoring an "Endangerment Finding" by the EPA that CO2 emmissions acan be regulated under the Clean Air Act.

H.R 83 - Homeowners Insurance Protection Act of 2009 - Authorizes the Secretary to make homeowners protection coverage available through contracts for reinsurance coverage. Restricts purchase of such coverage to eligible state programs. Prescribes criteria for state eligibility. H.R. 1264 - To amend the National Flood Insurance Act of 1968 to provide for the national flood insurance program to make available multiperil coverage for damage resulting from windstorms or floods, and for other purposes. H.R. 3139 - National Flood Insurance Program Extension Act of 2009 - Amends the National Flood Insurance Act of 1968 to extend the national flood insurance program from September 30, 2008, through March 31, 2010. H.R. 3200 - America's Affordable Health Choices Act of 2009 - Sets forth provisions governing health insurance plans and issuers, including: (1) exempting grandfathered health insurance coverage from requirements of this Act; (2) prohibiting preexisting condition exclusions; (3) providing for guaranteed coverage to all individuals and employers and automatic renewal of coverage; (4) prohibiting premium variances, except for reasons of age, area, or family enrollment; and (5) prohibiting rescission of health insurance coverage without clear and convincing evidence of fraud. Also deals with small business incentives and exemptions for healthcare coverage of employees. H.R. 3590 - Senate Healthcare - Sets forth provisions governing health insurance plans and issuers, including: (1) exempting grandfathered health insurance coverage from requirements of this Act; (2) prohibiting preexisting condition exclusions; (3) providing for guaranteed coverage to all individuals and employers and automatic renewal of coverage; (4) prohibiting premium variances, except for reasons of age, area, or family enrollment; and (5) prohibiting rescission of health insurance coverage without clear and convincing evidence of fraud. Also deals with small business incentives and exemptions for healthcare coverage of employees. S. 505 - A bill to establish a National Catastrophe Risks Consortium and a National Homeowner's Insurance Stabilization Program, and for the other purposes.

H.R. 1020 - Arbitration Fairness Act of 2009 - Declares that no predispute arbitration agreement shall be valid or enforceable if it requires arbitration of: (1) an employment, consumer, or franchise dispute, or (2) a dispute arising under any statute intended to protect civil rights. S. 386 - Fraud Enforcement and Recovery Act of 2009 - Amends the federal criminal code to include within the definition of "financial institution" a mortgage lending business or any person or entity that makes, in whole or in part, a federally related mortgage loan. Defines "mortgage lending business" as an organization that finances or refinances any debt secured by an interest in real estate, including private mortgage companies and their subsidiaries, and whose activities affect interstate or foreign commerce.

H.R. 37 - Systematic Foreclosure Prevention and Mortgage Modification Act - Directs the Chairperson of the Federal Deposit Insurance Corporation (FDIC) to establish a systematic foreclosure prevention and mortgage modification program by: (1) paying mortgage servicers $1,000 to cover expenses for each loan modified according to specified standards; and (2) sharing up to 50% of any losses incurred if a modified loan should subsequently re-default. H.R. 230 - Housing Opportunity and Mortgage Equity Act of 2009 - Directs the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac) (the enterprises) to implement a program to purchase and securitize qualified refinancing mortgages and qualified new mortgages on single-family housing in accordance with policies and procedures established by the Director of the Federal Housing Finance Agency (FHFA). H.R. 527 - Home Retention and Economic Stabilization Act of 2009 - Amends the Truth in Lending Act to establish the right of an eligible deferred-foreclosure consumer, defendable in court, to defer initiation of a foreclosure or related action, including a foreclosure sale, brought by any creditor, servicer, or holder of an eligible deferred-foreclosure mortgage, during a specified deferment period. H.R. 587 - Increases the loan limits during calendar 2009 for: (1) the Federal Housing Administration (FHA) single family housing mortgage insurance programs and the reverse mortgage program; and (2) the conforming loan limits for Fannie Mae and Freddie Mac during 2009. Declares that, if the dollar amount limitation on the principal obligation of a mortgage for which the mortgagee issues credit approval during 2009 for any size residence for any area is less than the dollar amount limitation in effect for 2008 under the Economic Stimulus Act of 2008, the maximum dollar amount limitation on the principal obligation of such a mortgage shall be considered to be the dollar amount limitation in effect for 2008. H.R. 600 - FHA Seller-Financed Downpayment Reform Act of 2009 - Amends the National Housing Act to make exceptions to the prohibition against mortgage insurance for mortgages involving a downpayment using funds furnished by: (1) the seller or any party that benefits financially from the transaction (seller-financed downpayment); or (2) any third party that is reimbursed by the seller or any such party. H.R. 787 -Amends the National Housing Act to modify requirements under the HOPE for Homeowners Program (Program) regarding borrower certification and liability. Revises the requirement of certification to the Secretary of Housing and Urban Development (HUD) that the mortgagor has not intentionally defaulted on the existing mortgage or any other debt. Eliminates the requirement to certify that there has been no intentional default on any other debt. H.R. 788 - Shields a servicer of pooled residential mortgages acting in compliance with certain fiduciary duties under the Truth in Lending Act from liability for entering into a loan modification or workout plan in connection with any such mortgages initiated before January 1, 2012. Specifies that such servicers shall not be liable to: (1) any person based on that person's ownership of a residential mortgage loan or any interest in a pool of residential mortgage loans or in securities that distribute payments out of payments in loans on the pool; (2) any person obligated pursuant to a derivatives instrument to make payments determined in reference to any such loans or interest; or (3) any person that insures any such loans or interest under federal, state, or local law. H.R. 1285 - To establish the Commission on the Foreclosure and Mortgage Lending Crisis. H.R. 1295 - To mitigate mortgage foreclosures, facilitate and include fairness in housing recovery, and combat mortgage fraud, and for other purposes. H.R. 2483 - To permanently increase the conforming loan limits for the Federal Home Loan Mortgage Corporation and the Federal National Mortgage Association and the FHA maximum mortgage amount limitations. H.R.3044 - Imposes an 18-month moratorium on the Home Valuation Code of Conduct. H.R. 3146 - 21st Century FHA Housing Act of 2009 - Amends the National Housing Act to give FHA the ability to expand their staff and upgrade their technology, target reviews of loan performance to better protect the financial health of the program, and provide the HUD Secretary with authority to implement new programs to minimize foreclosures, which may include short sales and deeds-in-lieu. It also fixes technical errors from the Housing and Economic Recovery Act that passed in 2008, including streamlining condominium purchases and implementing the new dollar limit on energy efficient mortgages. S. 3 - Homeowner Protection and Wall Street Accountability Act of 2009 - Expresses the sense of Congress that Congress should enact, and the President should sign, legislation to: (1) stabilize the housing market and assist homeowners by imposing a temporary moratorium on foreclosures, removing impediments to the modification of distressed mortgages, creating tax and other incentives to help prevent foreclosures and encourage refinancing into affordable and sustainable mortgage solutions, and pursuing other foreclosure-prevention policies through the Troubled Asset Relief Program (TARP) or other programs S. 61 - Helping Families Save their Homes in Bankruptcy Act of 2009 - Amends federal bankruptcy law governing a Chapter 13 debtor (adjustment of debts of an individual with regular income). Excludes from computation of debts the secured or unsecured portions of: (1) debts secured by the debtor's principal residence if the current value of that residence is less than the secured debt limit; or (2) debts secured or formerly secured by debtor's principal residence that was either sold in foreclosure or surrendered to the creditor if the current value of such real property is less than the secured debt limit. S. 117 - Foreclosure Rescue Fraud Act of 2009 - Prohibits a foreclosure consultant from: (1) receiving compensation from a homeowner for services performed regarding residential real property until such consultant has fully performed each service contracted for; (2) holding power of attorney from any homeowner, except to inspect documents; (3) receiving consideration from a third party in connection with services rendered to a homeowner regarding the foreclosure, unless such consideration is fully, clearly, and conspicuously disclosed before such services are rendered; (4) accepting any security to secure compensation for services rendered regarding foreclosure of the residential real property; or (5) acquiring any interest in the residence of a homeowner with whom the consultant has contracted. C.A.R. lobbied against the GSE Housing Valuation Code of Conduct that was agreed to by Fannie Mae, Freddie Mac, and the NY Attorney General.

H.R.2756 - To amend the Internal Revenue Code of 1986 to allow eligible veterans to use qualified veterans mortgage bonds to refinance home loans, and for other purposes. H.R. 3590 - Service Members Home Ownership Tax Act of 2009 - Amends the Internal Revenue Code to exempt members of the uniformed services, the Foreign Service, and employees of the intelligence community on official extended duty service from the recapture requirements of the first-time homebuyer tax credit; extends the first-time homebuyer tax credit through November 30, 2010, for individuals serving on official extended duty service outside the United States for at least 90 days in 2009.

H.R 83 - Homeowners Insurance Protection Act of 2009 - Authorizes the Secretary to make homeowners protection coverage available through contracts for reinsurance coverage. Restricts purchase of such coverage to eligible state programs. Prescribes criteria for state eligibility. H.R. 998 - Policyholder Disaster Protection Act of 2009 - Amends the Internal Revenue Code to allow insurance companies (other than life insurance companies) to make tax deductible contributions to a tax-exempt policyholder disaster protection fund established by this Act for the payment of policyholders' claims arising from certain catastrophic events, such as windstorms, earthquakes, fires, or floods. H.R. 1239 - Property Mitigation Assistance Act of 2009 - Amends the Robert T. Stafford Disaster Assistance and Emergency Relief Act to direct the Administrator of the Federal Emergency Management Agency (FEMA) to establish a grant program to provide assistance to states to promote pre-disaster property mitigation measures within their jurisdictions. H.R. 1264 - To amend the National Flood Insurance Act of 1968 to provide for the national flood insurance program to make available multiperil coverage for damage resulting from windstorms or floods, and for other purposes. H.R. 1525 - To amend the National Flood Insurance Act of 1968 to require the Administrator of the Federal Emergency Management Agency to consider reconstruction and improvement of flood protection systems when establishing flood insurance rates. H.R. 3200 - America's Affordable Health Choices Act of 2009 - Sets forth provisions governing health insurance plans and issuers, including: (1) exempting grandfathered health insurance coverage from requirements of this Act; (2) prohibiting preexisting condition exclusions; (3) providing for guaranteed coverage to all individuals and employers and automatic renewal of coverage; (4) prohibiting premium variances, except for reasons of age, area, or family enrollment; and (5) prohibiting rescission of health insurance coverage without clear and convincing evidence of fraud. Also deals with small business incentives and exemptions for healthcare coverage of employees. S. 505 - A bill to establish a National Catastrophe Risks Consortium and a National Homeowner's Insurance Stabilization Program, and for the other purposes. America's Healthy Future Act of 2009 - Sets forth provisions governing health insurance plans and issuers, including: (1) exempting grandfathered health insurance coverage from requirements of this Act; (2) prohibiting preexisting condition exclusions; (3) providing for guaranteed coverage to all individuals and employers and automatic renewal of coverage; (4) prohibiting premium variances, except for reasons of age, area, or family enrollment; and (5) prohibiting rescission of health insurance coverage without clear and convincing evidence of fraud. Also deals with small business incentives and exemptions for healthcare coverage of employees.

H.R. 703 - Amends the Federal Deposit Insurance Act and the Emergency Economic Stabilization Act of 2008 (EESA) to make permanent the increase in the standard maximum deposit insurance amount from $100,000 to $250,000. H.R 476 - Housing Fairness Act of 2009 - Instructs the Secretary of Housing and Urban Development to conduct, and report to Congress on, a nationwide testing program to: (1) detect and document differences in the treatment of persons seeking to rent or purchase housing or obtain or refinance a home mortgage loan; (2) measure patterns of adverse treatment because of the race, color, religion, sex, familial status, disability status, or national origin of a renter, home buyer, or borrower; and (3) measure the prevalence of such discriminatory practices across housing and mortgage lending markets. H.R. 786 - Amends the Federal Deposit Insurance Act (FDIA) and the Federal Credit Union Act (FCUA) to redefine the standard maximum deposit insurance amount and the standard maximum share insurance amount as being $250,000, respectively (thus making such increase permanent). H.R. 1116 -To improve the process through which loan originators participate in FHA mortgage programs,and for other purposes. H.R. 1479 - To enhance the availability of capital, credit, and other banking and financial services for all citizens and communities, to ensure that community reinvestment requirements are updated to account for changes in the financial industry and that reinvestment requirements keep pace as banks, securities firms, and other financial service providers become affiliates as a result of the enactment of the Gramm-Leach-Bliley Act, and for other purposes. H.R. 1728 - To amend the Truth in Lending Act to reform consumer mortgage practices and provide accountability for such practices, to provide certain minimum standards for consumer mortgage loans, and for other purposes. H.R. 1754 - To create a systemic risk monitor for the financial system of the United States, to oversee financial regulatory activities of the Federal Government, and for other purposes. H.R. 2483 - Increasing Homeownership Opportunities Act - Amends the Federal Home Loan Mortgage Corporation Act and the Federal National Mortgage Association Charter Act to increase limitations on the maximum original principal obligation of mortgages that may purchased by the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation Association (Freddie Mac). H.R. 3126 - Consumer Financial Protection Agency Act of 2009 - Establishes the Consumer Financial Protection Agency as an independent executive agency to regulate the provision of consumer financial products or services (products or services). H.R. 3288 - Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2010 - Includes language to expand current GSE & FHA Loan Limits through Fiscal Year 2010. S. 241 - Home Retention and Economic Stabilization Act of 2009 - Amends the Truth in Lending Act to establish the right of an eligible deferred-foreclosure consumer, defendable in court, to defer initiation of a foreclosure or related action, including a foreclosure sale, brought by any creditor, servicer, or holder of an eligible deferred-foreclosure mortgage, during a specified deferment period. S. 298 - A bill to establish a Financial Markets Commission, and for other purposes. S. 365 - Nationwide Mortgage Fraud Task Force Act of 2009 - Establishes in the Department of Justice (DOJ) a Nationwide Mortgage Fraud Task Force to: (1) establish branches in the 10 states with the highest concentration of mortgage fraud; (2) establish coordinating entities, and solicit the voluntary participation of federal, state, and local law enforcement and prosecutorial agencies, to organize initiatives to address mortgage fraud; (3) train such agencies; (4) collect and disseminate mortgage fraud data; and (5) perform other related functions. S. 376 - Real Estate Mortgage Investment Conduit Improvement Act of 2009 - Establishes special rules for modification or disposition of a troubled asset (qualified mortgages or foreclosure property) under the Troubled Asset Relief Program (TARP) by real estate mortgage investment conduits (REMICs). S. 541 - A bill to increase the borrowing authority of the Federal Deposit Insurance Corporation, and for other purposes. S. 566 - Financial Products Safety Commission Act of 2009 - Establishes the Financial Products Safety Commission to: (1) promulgate consumer financial product safety rules; (2) establish a best practices guide for all providers of consumer financial products; (3) conduct continuing studies and investigations of consumer financial products industry practices; (4) award grants or enter into contracts for the conduct of such studies and investigations; (5) assist public and private organizations or groups of consumer financial product providers, administratively and technically, in the development of safety standards or guidelines that would assist them in complying with any Commission rule; (6) comment on selected agency rulemakings affecting consumer financial products; and (7) establish a consumer financial product customer hotline. S. 664 - A bill to create a systemic risk monitor for the financial system of the United States, to oversee financial regulatory activities of the Federal Government, and for other purposes. C.A.R. lobbied concerning the future of the GSE's (Fannie Mae and Freddie Mac) and their future regulatory structure. C.A.R. lobbied for Term Asset-backed Securities Loan Facilitator (TALF) funds to be used to help purchase Jumbo Mortgage Backed Securities (MBS) in order to bring liquidity to the market since most administration and Congressional actions so far have not targeted Jumbo loans.

H.R. 1573 - To establish the National Home Energy Savings Revolving Fund within the Department of Energy to provide amounts to units of general local government to make loans to homeowners for qualified home energy audits and certified energy savings improvements, and for other purposes. H.R. 1778 - To provide for the establishment of national energy and environmental building retrofit policies for both residential and commercial buildings, and for other purposes. H.R. 1831 - To amend the Internal Revenue Code of 1986 to make permanent the special rule for contributions of qualified conservation contributions. H.R. 2454 - American Clean Energy and Security Act of 2009 - Lobbied on behalf of removing any point-of-sale requirements as well and any mandatory retrofits. H.R. 2454 provides financial incentives, such as grants, loans, loan guarantees, and/or mortgage interest rate buy-downs, for property owners who voluntarily make energy efficiency improvements, creates a national building code standard that states will have to adopt or the federal government will set and enforce the states building codes. H.R. 3139 - National Flood Insurance Program Extension Act of 2009 - Amends the National Flood Insurance Act of 1968 to extend the national flood insurance program from September 30, 2008, through March 31, 2010. S.949 - A bill to improve the loan guarantee program of the Department of Energy under title XVII of the Energy Policy Act of 2005, to provide additional options for deploying energy technologies, and for other purposes. Includes possible lanugage on labeling program and measurments standards for real property. S.1321 - A bill to amend the Internal Revenue Code of 1986 to provide a credit for property labeled under the Environmental Protection Agency Water Sense program. Clean Energy Jobs and American Power Act - provides financial incentives, such as grants, loans, loan guarantees, and/or mortgage interest rate buy-downs, for property owners who voluntarily make energy efficiency improvements, creates a national building code standard that states will have to adopt or the federal government will set and enforce the states building codes.

H.R. 205 - Death Tax Repeal Act - Repeals the federal estate, gift, and generation-skipping transfer taxes. H.R. 214 - Amends the Internal Revenue Code to allow purchasers of a single-family principal residence a one-time tax credit for up to $15,000 of the purchase price. Requires such a residence to be purchased after February 29, 2008, and before March 1, 2009, and that it be: (1) a new previously unoccupied residence for which a building permit has been issued and construction began on or before September 1, 2007; (2) an owner-occupied residence with a mortgage indebtedness in default on or before March 1, 2008; or (3) in foreclosure and owned by the mortgagor or the mortgagor's agent. H.R. 436 - Certain Estate Tax Relief Act of 2009 - Restores the tax on estates and generation-skipping transfers and the step-up in basis provisions for property acquired from a decedent, previously repealed by the Economic Growth and Tax Relief Reconciliation Act of 2001 (EGTRRA). Declares that the sunset provision (general terminating date of December 10, 2010) of EGTRRA shall not apply to title V of such Act ( Estate, Gift, and Generation-Skipping Transfer Tax Provisions). H.R. 498 - Capital Gains and Estate Tax Relief Act of 2009 - Makes permanent the reduction in capital gains tax rates (from 20 to 15%) enacted by the Jobs and Growth Tax Relief and Reconciliation Act of 2003. H.R. 755 - Amends the Internal Revenue Code to allow an individual taxpayer an exclusion from gross income of the gain from the sale or exchange of up to two residences (other than a principal residence) acquired after December 31, 2008, and before January 1, 2012. Limits the amount of such exclusion to $250,000 ($500,000 for married taxpayers filing a joint return). Allows a $500,000 exclusion amount for a surviving spouse who sells a residence within two years of the death of a spouse. H.R. 1245 - Homebuyer Tax Credit Act of 2009 - Amends the Internal Revenue Code to replace the current tax credit for first-time homebuyers with a one-time credit for 10% of the purchase price of a principal residence, up to $15,000. Requires repayment of credit amounts if the taxpayer sells or fails to occupy the residence within 24 months after the date of purchase. H.R. 1301 - Amends Internal Revenue Code provisions allowing nonrecognition of gain from like-kind exchanges to suspend the 180-day period for completing such exchanges in cases involving exchange facilitators who have filed a bankruptcy petition. S. 2 - Middle Class Opportunity Act of 2009 - Declares that Congress should enact, and the President should sign, legislation to improve the lives of middle class families and provide them with greater opportunity to achieve the American dream by: providing middle class tax relief while making the tax laws simpler and more reliable. H.R. 1560 - To make the moratorium on Internet access taxes and multiple and discriminatory taxes on electronic commerce permanent. H.R. 1629 - To amend the Internal Revenue Code of 1986 to provide penalty free distributions and loans from certain retirement plans for the purchase and refinancing of principal residences. H.R. 1632 - To amend the Internal Revenue Code of 1986 to provide an exclusion from gross income of long-term capital gains on property purchased before the end of 2009. H.R. 1716 - To amend the Internal Revenue Code of 1986 to allow the deduction for real property taxes on the principal residences to all individuals whether or not they itemize other deductions. H.R. 1805 - To amend the Internal Revenue Code of 1986 to make permanent the deduction for State and local sales tax, the deduction for qualified tuition and related expenses, and the deduction for mortgage interest premiums, and to modify to the homebuyer credit. S. 156 - Small Business Stimulus Act of 2009 - Amends the Internal Revenue Code to: (1) extend through 2010 the increased expensing allowance for depreciable business assets; and (2) extend from two to five years the carryback period for net operating losses in 2008 or 2009. S. 201 - Amends the Internal Revenue Code to extend through 2010 the additional standard tax deduction for real property taxes for taxpayers who do not itemize their tax deductions. S. 253 - Fix Housing First Homebuyer Tax Credit Act - Amends the Internal Revenue Code to revise the tax credit for first-time homebuyers by: (1) eliminating the first-time homebuyer requirement (thus making such credit available to all homebuyers); (2) eliminating the repayment requirement for such credit except for resales of a principal residence, or failure to occupy such residence, at any time within three years of purchase; (3) exempting from the repayment requirement members of the Armed Forces who are ordered to relocate; (4) extending the period for purchasing a residence until December 31, 2009. S. 567 - Repeals the termination date in the Jobs Growth Tax Relief Reconciliation Act of 2003 for provisions reducing individual tax rates on capital gains and dividend income. S. 1678 - Amends Internal Revenue Code provisions relating to the first-time homebuyer tax credit to: (1) extend such tax credit through May 31, 2010; (2) extend through December 31, 2009, the date until which purchases of a principal residence may be treated as made on December 31, 2008, for tax purposes; and (3) extend through May 31, 2010, the waiver of recapture requirements for residences purchased after December 31, 2008. C.A.R. is following a CBO report discussing the possibility of reducing the mortgage interest deduction (MID) from the present $1.1 million cap to $500,000, replacing the MID with a flat tax credit that is 15% of mortgage interest paid, and/or eliminating the deduction for all state and local taxes, including property taxes.

H.R.2756 - To amend the Internal Revenue Code of 1986 to allow eligible veterans to use qualified veterans mortgage bonds to refinance home loans, and for other purposes.

H.R. 200 - Helping Families Save their Homes in Bankruptcy Act of 2009 - Excludes from computation of debts the secured or unsecured portions of: (1) debts secured by the debtor's principal residence if the current value of that residence is less than the secured debt limit. H.R. 225 - Emergency Homeownership and Equity Protection Act - Amends federal bankruptcy law governing a Chapter 13 debtor (adjustment of debts of an individual with regular income). Excludes from computation of debts the secured or unsecured portions of: (1) debts secured by the debtor's principal residence if the current value of that residence is less than the secured debt limit; or (2) debts secured or formerly secured by debtor's principal residence that was either sold in foreclosure or surrendered to the creditor if the current value of such real property is less than the secured debt limit. H.R. 1106 - Helping Families Save Their Homes Act of 2009 - Amends federal bankruptcy law governing a Chapter 13 debtor (adjustment of debts of an individual with regular income) to exclude from the computation of debts the secured or unsecured portions of: (1) debts secured by the debtor's principal residence if the value of the residence is less than the applicable maximum amount of noncontingent, liquidated, secured debts; or (2) debts secured or formerly secured by the debtor's principal residence that was either sold in foreclosure or surrendered to the creditor if the property's value was less than the applicable maximum amount of noncontingent, liquidated, secured debts. S. 61 - Helping Families Save their Homes in Bankruptcy Act of 2009 - Amends federal bankruptcy law governing a Chapter 13 debtor (adjustment of debts of an individual with regular income). Excludes from computation of debts the secured or unsecured portions of: (1) debts secured by the debtor's principal residence if the current value of that residence is less than the secured debt limit; or (2) debts secured or formerly secured by debtor's principal residence that was either sold in foreclosure or surrendered to the creditor if the current value of such real property is less than the secured debt limit.

H.R. 1020 - Arbitration Fairness Act of 2009 - Declares that no predispute arbitration agreement shall be valid or enforceable if it requires arbitration of: (1) an employment, consumer, or franchise dispute, or (2) a dispute arising under any statute intended to protect civil rights. S. 386 - Fraud Enforcement and Recovery Act of 2009 - Amends the federal criminal code to include within the definition of "financial institution" a mortgage lending business or any person or entity that makes, in whole or in part, a federally related mortgage loan. Defines "mortgage lending business" as an organization that finances or refinances any debt secured by an interest in real estate, including private mortgage companies and their subsidiaries, and whose activities affect interstate or foreign commerce.

H.R 83 - Homeowners Insurance Protection Act of 2009 - Authorizes the Secretary to make homeowners protection coverage available through contracts for reinsurance coverage. Restricts purchase of such coverage to eligible state programs. Prescribes criteria for state eligibility. H.R. 998 - Policyholder Disaster Protection Act of 2009 - Amends the Internal Revenue Code to allow insurance companies (other than life insurance companies) to make tax deductible contributions to a tax-exempt policyholder disaster protection fund established by this Act for the payment of policyholders' claims arising from certain catastrophic events, such as windstorms, earthquakes, fires, or floods. H.R. 1239 - Property Mitigation Assistance Act of 2009 - Amends the Robert T. Stafford Disaster Assistance and Emergency Relief Act to direct the Administrator of the Federal Emergency Management Agency (FEMA) to establish a grant program to provide assistance to states to promote pre-disaster property mitigation measures within their jurisdictions. H.R. 1264 - To amend the National Flood Insurance Act of 1968 to provide for the national flood insurance program to make available multiperil coverage for damage resulting from windstorms or floods, and for other purposes. H.R. 1525 - To amend the National Flood Insurance Act of 1968 to require the Administrator of the Federal Emergency Management Agency to consider reconstruction and improvement of flood protection systems when establishing flood insurance rates. S. 505 - A bill to establish a National Catastrophe Risks Consortium and a National Homeowner's Insurance Stabilization Program, and for the other purposes.

H.R. 111 - Community Choice in Real Estate Act - Amends the Bank Holding Company Act of 1956 to prohibit the Federal Reserve System and the Secretary of the Treasury from determining that real estate brokerage activity or real estate management activity is financial in nature. H.R 476 - Housing Fairness Act of 2009 - Instructs the Secretary of Housing and Urban Development to conduct, and report to Congress on, a nationwide testing program to: (1) detect and document differences in the treatment of persons seeking to rent or purchase housing or obtain or refinance a home mortgage loan; (2) measure patterns of adverse treatment because of the race, color, religion, sex, familial status, disability status, or national origin of a renter, home buyer, or borrower; and (3) measure the prevalence of such discriminatory practices across housing and mortgage lending markets. H.R. 703 - Amends the Federal Deposit Insurance Act and the Emergency Economic Stabilization Act of 2008 (EESA) to make permanent the increase in the standard maximum deposit insurance amount from $100,000 to $250,000. H.R. 786 - Amends the Federal Deposit Insurance Act (FDIA) and the Federal Credit Union Act (FCUA) to redefine the standard maximum deposit insurance amount and the standard maximum share insurance amount as being $250,000, respectively (thus making such increase permanent). H.R. 1105 - Including provision that would amend the Bank Holding Company Act of 1956 to prohibit the Federal Reserve System and the Secretary of the Treasury from determining that real estate brokerage activity or real estate management activity is financial in nature. H.R. 1116 -To improve the process through which loan originators participate in FHA mortgage programs,and for other purposes. H.R. 1479 - To enhance the availability of capital, credit, and other banking and financial services for all citizens and communities, to ensure that community reinvestment requirements are updated to account for changes in the financial industry and that reinvestment requirements keep pace as banks, securities firms, and other financial service providers become affiliates as a result of the enactment of the Gramm-Leach-Bliley Act, and for other purposes. H.R. 1728 - To amend the Truth in Lending Act to reform consumer mortgage practices and provide accountability for such practices, to provide certain minimum standards for consumer mortgage loans, and for other purposes. H.R. 1754 - To create a systemic risk monitor for the financial system of the United States, to oversee financial regulatory activities of the Federal Government, and for other purposes. S. 241 - Home Retention and Economic Stabilization Act of 2009 - Amends the Truth in Lending Act to establish the right of an eligible deferred-foreclosure consumer, defendable in court, to defer initiation of a foreclosure or related action, including a foreclosure sale, brought by any creditor, servicer, or holder of an eligible deferred-foreclosure mortgage, during a specified deferment period. S. 298 - A bill to establish a Financial Markets Commission, and for other purposes. S. 356 - Community Choice in Real Estate Act - Amends the Bank Holding Company Act of 1956 to prohibit the Federal Reserve System and the Secretary of the Treasury from determining that real estate brokerage activity or real estate management activity is financial in nature. S. 365 - Nationwide Mortgage Fraud Task Force Act of 2009 - Establishes in the Department of Justice (DOJ) a Nationwide Mortgage Fraud Task Force to: (1) establish branches in the 10 states with the highest concentration of mortgage fraud; (2) establish coordinating entities, and solicit the voluntary participation of federal, state, and local law enforcement and prosecutorial agencies, to organize initiatives to address mortgage fraud; (3) train such agencies; (4) collect and disseminate mortgage fraud data; and (5) perform other related functions. S. 376 - Real Estate Mortgage Investment Conduit Improvement Act of 2009 - Establishes special rules for modification or disposition of a troubled asset (qualified mortgages or foreclosure property) under the Troubled Asset Relief Program (TARP) by real estate mortgage investment conduits (REMICs). S. 541 - A bill to increase the borrowing authority of the Federal Deposit Insurance Corporation, and for other purposes. S. 566 - Financial Products Safety Commission Act of 2009 - Establishes the Financial Products Safety Commission to: (1) promulgate consumer financial product safety rules; (2) establish a best practices guide for all providers of consumer financial products; (3) conduct continuing studies and investigations of consumer financial products industry practices; (4) award grants or enter into contracts for the conduct of such studies and investigations; (5) assist public and private organizations or groups of consumer financial product providers, administratively and technically, in the development of safety standards or guidelines that would assist them in complying with any Commission rule; (6) comment on selected agency rulemakings affecting consumer financial products; and (7) establish a consumer financial product customer hotline. S. 664 - A bill to create a systemic risk monitor for the financial system of the United States, to oversee financial regulatory activities of the Federal Government, and for other purposes. C.A.R. lobbied concerning the future of the GSE's (Fannie Mae and Freddie Mac) and their future regulatory structure. C.A.R. lobbied on the issues of the loan limits for GSE's and FHA in both their size, scope, and duration. C.A.R. lobbied for Term Asset-backed Securities Loan Facilitator (TALF) funds to be used to help purchase Jumbo Mortgage Backed Securities (MBS) in order to bring liquidity to the market since most administration and Congressional actions so far have not targeted Jumbo loans. C.A.R. lobbied to have the Making Homes Affordable program allow a 125% Loan-to-Value (LTV) ratio under the provisions of the program directly realted to Fannie Mae and Freddie Mac.

H.R. 37 - Systematic Foreclosure Prevention and Mortgage Modification Act - Directs the Chairperson of the Federal Deposit Insurance Corporation (FDIC) to establish a systematic foreclosure prevention and mortgage modification program by: (1) paying mortgage servicers $1,000 to cover expenses for each loan modified according to specified standards; and (2) sharing up to 50% of any losses incurred if a modified loan should subsequently re-default. H.R. 230 - Housing Opportunity and Mortgage Equity Act of 2009 - Directs the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac) (the enterprises) to implement a program to purchase and securitize qualified refinancing mortgages and qualified new mortgages on single-family housing in accordance with policies and procedures established by the Director of the Federal Housing Finance Agency (FHFA). H.R. 527 - Home Retention and Economic Stabilization Act of 2009 - Amends the Truth in Lending Act to establish the right of an eligible deferred-foreclosure consumer, defendable in court, to defer initiation of a foreclosure or related action, including a foreclosure sale, brought by any creditor, servicer, or holder of an eligible deferred-foreclosure mortgage, during a specified deferment period. H.R. 587 - Increases the loan limits during calendar 2009 for: (1) the Federal Housing Administration (FHA) single family housing mortgage insurance programs and the reverse mortgage program; and (2) the conforming loan limits for Fannie Mae and Freddie Mac during 2009. Declares that, if the dollar amount limitation on the principal obligation of a mortgage for which the mortgagee issues credit approval during 2009 for any size residence for any area is less than the dollar amount limitation in effect for 2008 under the Economic Stimulus Act of 2008, the maximum dollar amount limitation on the principal obligation of such a mortgage shall be considered to be the dollar amount limitation in effect for 2008. H.R. 600 - FHA Seller-Financed Downpayment Reform Act of 2009 - Amends the National Housing Act to make exceptions to the prohibition against mortgage insurance for mortgages involving a downpayment using funds furnished by: (1) the seller or any party that benefits financially from the transaction (seller-financed downpayment); or (2) any third party that is reimbursed by the seller or any such party. H.R. 787 -Amends the National Housing Act to modify requirements under the HOPE for Homeowners Program (Program) regarding borrower certification and liability. Revises the requirement of certification to the Secretary of Housing and Urban Development (HUD) that the mortgagor has not intentionally defaulted on the existing mortgage or any other debt. Eliminates the requirement to certify that there has been no intentional default on any other debt. H.R. 788 - Shields a servicer of pooled residential mortgages acting in compliance with certain fiduciary duties under the Truth in Lending Act from liability for entering into a loan modification or workout plan in connection with any such mortgages initiated before January 1, 2012. Specifies that such servicers shall not be liable to: (1) any person based on that person's ownership of a residential mortgage loan or any interest in a pool of residential mortgage loans or in securities that distribute payments out of payments in loans on the pool; (2) any person obligated pursuant to a derivatives instrument to make payments determined in reference to any such loans or interest; or (3) any person that insures any such loans or interest under federal, state, or local law. H.R. 1285 - To establish the Commission on the Foreclosure and Mortgage Lending Crisis. H.R. 1295 - To mitigate mortgage foreclosures, facilitate and include fairness in housing recovery, and combat mortgage fraud, and for other purposes. H.R. 2483 - To permanently increase the conforming loan limits for the Federal Home Loan Mortgage Corporation and the Federal National Mortgage Association and the FHA maximum mortgage amount limitations. H.R.3044 - Imposes an 18-month moratorium on the Home Valuation Code of Conduct. S. 3 - Homeowner Protection and Wall Street Accountability Act of 2009 - Expresses the sense of Congress that Congress should enact, and the President should sign, legislation to: (1) stabilize the housing market and assist homeowners by imposing a temporary moratorium on foreclosures, removing impediments to the modification of distressed mortgages, creating tax and other incentives to help prevent foreclosures and encourage refinancing into affordable and sustainable mortgage solutions, and pursuing other foreclosure-prevention policies through the Troubled Asset Relief Program (TARP) or other programs S. 61 - Helping Families Save their Homes in Bankruptcy Act of 2009 - Amends federal bankruptcy law governing a Chapter 13 debtor (adjustment of debts of an individual with regular income). Excludes from computation of debts the secured or unsecured portions of: (1) debts secured by the debtor's principal residence if the current value of that residence is less than the secured debt limit; or (2) debts secured or formerly secured by debtor's principal residence that was either sold in foreclosure or surrendered to the creditor if the current value of such real property is less than the secured debt limit. S. 117 - Foreclosure Rescue Fraud Act of 2009 - Prohibits a foreclosure consultant from: (1) receiving compensation from a homeowner for services performed regarding residential real property until such consultant has fully performed each service contracted for; (2) holding power of attorney from any homeowner, except to inspect documents; (3) receiving consideration from a third party in connection with services rendered to a homeowner regarding the foreclosure, unless such consideration is fully, clearly, and conspicuously disclosed before such services are rendered; (4) accepting any security to secure compensation for services rendered regarding foreclosure of the residential real property; or (5) acquiring any interest in the residence of a homeowner with whom the consultant has contracted. C.A.R. lobbied against the new GSE Housing Valuation Code of Conduct that was agreed to by Fannie Mae, Freddie Mac, and the NY Attorney General.

H.R. 1573 - To establish the National Home Energy Savings Revolving Fund within the Department of Energy to provide amounts to units of general local government to make loans to homeowners for qualified home energy audits and certified energy savings improvements, and for other purposes. H.R. 1778 - To provide for the establishment of national energy and environmental building retrofit policies for both residential and commercial buildings, and for other purposes. H.R. 1831 - To amend the Internal Revenue Code of 1986 to make permanent the special rule for contributions of qualified conservation contributions. H.R. 2454 - American Clean Energy and Security Act of 2009 - Amends the Public Utility Regulatory Policies Act of 1978 (PURPA) to establish a combined efficiency and renewable electricity standard that requires utilities to supply an increasing percentage of their demand from a combination of energy efficiency savings and renewable energy (6% in 2012, 9.5% in 2014, 13% in 2016, 16.5% in 2018, and 20% in 2021-2039). Includes labeling program and measurment standards for real property. S.949 - A bill to improve the loan guarantee program of the Department of Energy under title XVII of the Energy Policy Act of 2005, to provide additional options for deploying energy technologies, and for other purposes. Includes possible lanugage on labeling program and measurments standards for real property. S.1321 - A bill to amend the Internal Revenue Code of 1986 to provide a credit for property labeled under the Environmental Protection Agency Water Sense program.

H.R. 1831 - To amend the Internal Revenue Code of 1986 to make permanent the special rule for contributions of qualified conservation contributions. C.A.R. lobbied on the issue of energy efficiency in residential and commerical real estate. We primarily focused on the issue of using Point-of-Sale as an inefficient way to secure energy efficiency and upgrades.

H.R 83 - Homeowners Insurance Protection Act of 2009 - Authorizes the Secretary to make homeowners protection coverage available through contracts for reinsurance coverage. Restricts purchase of such coverage to eligible state programs. Prescribes criteria for state eligibility. H.R. 998 - Policyholder Disaster Protection Act of 2009 - Amends the Internal Revenue Code to allow insurance companies (other than life insurance companies) to make tax deductible contributions to a tax-exempt policyholder disaster protection fund established by this Act for the payment of policyholders' claims arising from certain catastrophic events, such as windstorms, earthquakes, fires, or floods. H.R. 1239 - Property Mitigation Assistance Act of 2009 - Amends the Robert T. Stafford Disaster Assistance and Emergency Relief Act to direct the Administrator of the Federal Emergency Management Agency (FEMA) to establish a grant program to provide assistance to states to promote pre-disaster property mitigation measures within their jurisdictions. H.R. 1264 - To amend the National Flood Insurance Act of 1968 to provide for the national flood insurance program to make available multiperil coverage for damage resulting from windstorms or floods, and for other purposes. H.R. 1525 - To amend the National Flood Insurance Act of 1968 to require the Administrator of the Federal Emergency Management Agency to consider reconstruction and improvement of flood protection systems when establishing flood insurance rates. S. 505 - A bill to establish a National Catastrophe Risks Consortium and a National Homeowner's Insurance Stabilization Program, and for the other purposes.

H.R. 111 - Community Choice in Real Estate Act - Amends the Bank Holding Company Act of 1956 to prohibit the Federal Reserve System and the Secretary of the Treasury from determining that real estate brokerage activity or real estate management activity is financial in nature. H.R 476 - Housing Fairness Act of 2009 - Instructs the Secretary of Housing and Urban Development to conduct, and report to Congress on, a nationwide testing program to: (1) detect and document differences in the treatment of persons seeking to rent or purchase housing or obtain or refinance a home mortgage loan; (2) measure patterns of adverse treatment because of the race, color, religion, sex, familial status, disability status, or national origin of a renter, home buyer, or borrower; and (3) measure the prevalence of such discriminatory practices across housing and mortgage lending markets. H.R. 703 - Amends the Federal Deposit Insurance Act and the Emergency Economic Stabilization Act of 2008 (EESA) to make permanent the increase in the standard maximum deposit insurance amount from $100,000 to $250,000. H.R. 786 - Amends the Federal Deposit Insurance Act (FDIA) and the Federal Credit Union Act (FCUA) to redefine the standard maximum deposit insurance amount and the standard maximum share insurance amount as being $250,000, respectively (thus making such increase permanent). H.R. 1105 - Including provision that would amend the Bank Holding Company Act of 1956 to prohibit the Federal Reserve System and the Secretary of the Treasury from determining that real estate brokerage activity or real estate management activity is financial in nature. H.R. 1116 -To improve the process through which loan originators participate in FHA mortgage programs,and for other purposes. H.R. 1479 - To enhance the availability of capital, credit, and other banking and financial services for all citizens and communities, to ensure that community reinvestment requirements are updated to account for changes in the financial industry and that reinvestment requirements keep pace as banks, securities firms, and other financial service providers become affiliates as a result of the enactment of the Gramm-Leach-Bliley Act, and for other purposes. H.R. 1728 - To amend the Truth in Lending Act to reform consumer mortgage practices and provide accountability for such practices, to provide certain minimum standards for consumer mortgage loans, and for other purposes. H.R. 1754 - To create a systemic risk monitor for the financial system of the United States, to oversee financial regulatory activities of the Federal Government, and for other purposes. S. 241 - Home Retention and Economic Stabilization Act of 2009 - Amends the Truth in Lending Act to establish the right of an eligible deferred-foreclosure consumer, defendable in court, to defer initiation of a foreclosure or related action, including a foreclosure sale, brought by any creditor, servicer, or holder of an eligible deferred-foreclosure mortgage, during a specified deferment period. S. 298 - A bill to establish a Financial Markets Commission, and for other purposes. S. 356 - Community Choice in Real Estate Act - Amends the Bank Holding Company Act of 1956 to prohibit the Federal Reserve System and the Secretary of the Treasury from determining that real estate brokerage activity or real estate management activity is financial in nature. S. 365 - Nationwide Mortgage Fraud Task Force Act of 2009 - Establishes in the Department of Justice (DOJ) a Nationwide Mortgage Fraud Task Force to: (1) establish branches in the 10 states with the highest concentration of mortgage fraud; (2) establish coordinating entities, and solicit the voluntary participation of federal, state, and local law enforcement and prosecutorial agencies, to organize initiatives to address mortgage fraud; (3) train such agencies; (4) collect and disseminate mortgage fraud data; and (5) perform other related functions. S. 376 - Real Estate Mortgage Investment Conduit Improvement Act of 2009 - Establishes special rules for modification or disposition of a troubled asset (qualified mortgages or foreclosure property) under the Troubled Asset Relief Program (TARP) by real estate mortgage investment conduits (REMICs). S. 541 - A bill to increase the borrowing authority of the Federal Deposit Insurance Corporation, and for other purposes. S. 566 - Financial Products Safety Commission Act of 2009 - Establishes the Financial Products Safety Commission to: (1) promulgate consumer financial product safety rules; (2) establish a best practices guide for all providers of consumer financial products; (3) conduct continuing studies and investigations of consumer financial products industry practices; (4) award grants or enter into contracts for the conduct of such studies and investigations; (5) assist public and private organizations or groups of consumer financial product providers, administratively and technically, in the development of safety standards or guidelines that would assist them in complying with any Commission rule; (6) comment on selected agency rulemakings affecting consumer financial products; and (7) establish a consumer financial product customer hotline. S. 664 - A bill to create a systemic risk monitor for the financial system of the United States, to oversee financial regulatory activities of the Federal Government, and for other purposes. C.A.R. is also lobbying on the idea of having either Congress or the Treasury Department instiute a plan where they would create a federal mortgage interest buy-down program to bring down interest rate spreads to historical averages and reduce mortgage interest rates since the spread between mortgage rates and Treasury rates are abnormally high. C.A.R. lobbied concerning the future of the GSE's (Fannie Mae and Freddie Mac) and their future regulatory structure. C.A.R. lobbied on the issues of the loan limits for GSE's and FHA in both their size, scope, and duration.

H.R. 1020 - Arbitration Fairness Act of 2009 - Declares that no predispute arbitration agreement shall be valid or enforceable if it requires arbitration of: (1) an employment, consumer, or franchise dispute, or (2) a dispute arising under any statute intended to protect civil rights.

H.R. 205 - Death Tax Repeal Act - Repeals the federal estate, gift, and generation-skipping transfer taxes. H.R. 214 - Amends the Internal Revenue Code to allow purchasers of a single-family principal residence a one-time tax credit for up to $15,000 of the purchase price. Requires such a residence to be purchased after February 29, 2008, and before March 1, 2009, and that it be: (1) a new previously unoccupied residence for which a building permit has been issued and construction began on or before September 1, 2007; (2) an owner-occupied residence with a mortgage indebtedness in default on or before March 1, 2008; or (3) in foreclosure and owned by the mortgagor or the mortgagor's agent. H.R. 436 - Certain Estate Tax Relief Act of 2009 - Restores the tax on estates and generation-skipping transfers and the step-up in basis provisions for property acquired from a decedent, previously repealed by the Economic Growth and Tax Relief Reconciliation Act of 2001 (EGTRRA). Declares that the sunset provision (general terminating date of December 10, 2010) of EGTRRA shall not apply to title V of such Act ( Estate, Gift, and Generation-Skipping Transfer Tax Provisions). H.R. 498 - Capital Gains and Estate Tax Relief Act of 2009 - Makes permanent the reduction in capital gains tax rates (from 20 to 15%) enacted by the Jobs and Growth Tax Relief and Reconciliation Act of 2003. H.R. 755 - Amends the Internal Revenue Code to allow an individual taxpayer an exclusion from gross income of the gain from the sale or exchange of up to two residences (other than a principal residence) acquired after December 31, 2008, and before January 1, 2012. Limits the amount of such exclusion to $250,000 ($500,000 for married taxpayers filing a joint return). Allows a $500,000 exclusion amount for a surviving spouse who sells a residence within two years of the death of a spouse. H.R. 1245 - Homebuyer Tax Credit Act of 2009 - Amends the Internal Revenue Code to replace the current tax credit for first-time homebuyers with a one-time credit for 10% of the purchase price of a principal residence, up to $15,000. Requires repayment of credit amounts if the taxpayer sells or fails to occupy the residence within 24 months after the date of purchase. H.R. 1301 - Amends Internal Revenue Code provisions allowing nonrecognition of gain from like-kind exchanges to suspend the 180-day period for completing such exchanges in cases involving exchange facilitators who have filed a bankruptcy petition. S. 2 - Middle Class Opportunity Act of 2009 - Declares that Congress should enact, and the President should sign, legislation to improve the lives of middle class families and provide them with greater opportunity to achieve the American dream by: (1) providing middle class tax relief while making the tax laws simpler and more reliable; (2) promoting investments in the new economy and enacting policies that create good, well-paying domestic jobs, and promoting families by improving the access and affordability of child and elder care; (3) enhancing the incentives and protections to help middle class families adequately meet their needs in retirement; (4) improving programs to help families acquire the education and training to be productive participants in the modern economy; (5) restoring fairness, prosperity, and economic security for working families by ensuring workers can exercise their rights to freely choose to form a union without employer interference; and (7) removing barriers to fair pay for all workers. H.R. 1560 - To make the moratorium on Internet access taxes and multiple and discriminatory taxes on electronic commerce permanent. H.R. 1629 - To amend the Internal Revenue Code of 1986 to provide penalty free distributions and loans from certain retirement plans for the purchase and refinancing of principal residences. H.R. 1632 - To amend the Internal Revenue Code of 1986 to provide an exclusion from gross income of long-term capital gains on property purchased before the end of 2009. H.R. 1716 - To amend the Internal Revenue Code of 1986 to allow the deduction for real property taxes on the principal residences to all individuals whether or not they itemize other deductions. H.R. 1805 - To amend the Internal Revenue Code of 1986 to make permanent the deduction for State and local sales tax, the deduction for qualified tuition and related expenses, and the deduction for mortgage interest premiums, and to modify to the homebuyer credit. S. 156 - Small Business Stimulus Act of 2009 - Amends the Internal Revenue Code to: (1) extend through 2010 the increased expensing allowance for depreciable business assets; and (2) extend from two to five years the carryback period for net operating losses in 2008 or 2009. S. 201 - Amends the Internal Revenue Code to extend through 2010 the additional standard tax deduction for real property taxes for taxpayers who do not itemize their tax deductions. S. 253 - Fix Housing First Homebuyer Tax Credit Act - Amends the Internal Revenue Code to revise the tax credit for first-time homebuyers by: (1) eliminating the first-time homebuyer requirement (thus making such credit available to all homebuyers); (2) eliminating the repayment requirement for such credit except for resales of a principal residence, or failure to occupy such residence, at any time within three years of purchase; (3) exempting from the repayment requirement members of the Armed Forces who are ordered to relocate; (4) extending the period for purchasing a residence until December 31, 2009. S. 567 - Repeals the termination date in the Jobs Growth Tax Relief Reconciliation Act of 2003 for provisions reducing individual tax rates on capital gains and dividend income. C.A.R. sent a comment letter to the California Congressional delegates concerning their opposition to a proposal in the FY10 Budget that would alter the deduction rate for taxpayers in the upper tax bracket. This change would include limitations to the Mortgage Interest Deduction, property taxes, state and local taxes, and private mortgage insurance deductions.

H.R. 1 - Economic Stimulus Package - included housing provisions for first-time homebuyer credits and conforming loan limits for FHA and GSE loans as well as other funding for housing programs. H.R. 37 - Systematic Foreclosure Prevention and Mortgage Modification Act - Directs the Chairperson of the Federal Deposit Insurance Corporation (FDIC) to establish a systematic foreclosure prevention and mortgage modification program by: (1) paying mortgage servicers $1,000 to cover expenses for each loan modified according to specified standards; and (2) sharing up to 50% of any losses incurred if a modified loan should subsequently re-default. H.R. 230 - Housing Opportunity and Mortgage Equity Act of 2009 - Directs the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac) (the enterprises) to implement a program to purchase and securitize qualified refinancing mortgages and qualified new mortgages on single-family housing in accordance with policies and procedures established by the Director of the Federal Housing Finance Agency (FHFA). H.R. 527 - Home Retention and Economic Stabilization Act of 2009 - Amends the Truth in Lending Act to establish the right of an eligible deferred-foreclosure consumer, defendable in court, to defer initiation of a foreclosure or related action, including a foreclosure sale, brought by any creditor, servicer, or holder of an eligible deferred-foreclosure mortgage, during a specified deferment period. H.R. 587 - Increases the loan limits during calendar 2009 for: (1) the Federal Housing Administration (FHA) single family housing mortgage insurance programs and the reverse mortgage program; and (2) the conforming loan limits for Fannie Mae and Freddie Mac during 2009. Declares that, if the dollar amount limitation on the principal obligation of a mortgage for which the mortgagee issues credit approval during 2009 for any size residence for any area is less than the dollar amount limitation in effect for 2008 under the Economic Stimulus Act of 2008, the maximum dollar amount limitation on the principal obligation of such a mortgage shall be considered to be the dollar amount limitation in effect for 2008. H.R. 600 - FHA Seller-Financed Downpayment Reform Act of 2009 - Amends the National Housing Act to make exceptions to the prohibition against mortgage insurance for mortgages involving a downpayment using funds furnished by: (1) the seller or any party that benefits financially from the transaction (seller-financed downpayment); or (2) any third party that is reimbursed by the seller or any such party. H.R. 787 -Amends the National Housing Act to modify requirements under the HOPE for Homeowners Program (Program) regarding borrower certification and liability. Revises the requirement of certification to the Secretary of Housing and Urban Development (HUD) that the mortgagor has not intentionally defaulted on the existing mortgage or any other debt. Eliminates the requirement to certify that there has been no intentional default on any other debt. H.R. 788 - Shields a servicer of pooled residential mortgages acting in compliance with certain fiduciary duties under the Truth in Lending Act from liability for entering into a loan modification or workout plan in connection with any such mortgages initiated before January 1, 2012. Specifies that such servicers shall not be liable to: (1) any person based on that person's ownership of a residential mortgage loan or any interest in a pool of residential mortgage loans or in securities that distribute payments out of payments in loans on the pool; (2) any person obligated pursuant to a derivatives instrument to make payments determined in reference to any such loans or interest; or (3) any person that insures any such loans or interest under federal, state, or local law. H.R. 1285 - To establish the Commission on the Foreclosure and Mortgage Lending Crisis. H.R. 1295 - To mitigate mortgage foreclosures, facilitate and include fairness in housing recovery, and combat mortgage fraud, and for other purposes. S. 1 - American Recovery and Reinvestment Act of 2009 - Calls for the enactment of legislation to create jobs, restore economic growth, and strengthen America's middle class through measures that: (1) modernize the nation's infrastructure; (2) enhance America's energy independence; (3) expand educational opportunities; (4) preserve and improve affordable health care; (5) provide tax relief; and (6) protect those in greatest need. Includes housing provisions for first-time homebuyer credits and conforming loan limits for FHA and GSE loans as well as other funding for housing programs. S. 3 - Homeowner Protection and Wall Street Accountability Act of 2009 - Expresses the sense of Congress that Congress should enact, and the President should sign, legislation to: (1) stabilize the housing market and assist homeowners by imposing a temporary moratorium on foreclosures, removing impediments to the modification of distressed mortgages, creating tax and other incentives to help prevent foreclosures and encourage refinancing into affordable and sustainable mortgage solutions, and pursuing other foreclosure-prevention policies through the Troubled Asset Relief Program (TARP) or other programs S. 61 - Helping Families Save their Homes in Bankruptcy Act of 2009 - Amends federal bankruptcy law governing a Chapter 13 debtor (adjustment of debts of an individual with regular income). Excludes from computation of debts the secured or unsecured portions of: (1) debts secured by the debtor's principal residence if the current value of that residence is less than the secured debt limit; or (2) debts secured or formerly secured by debtor's principal residence that was either sold in foreclosure or surrendered to the creditor if the current value of such real property is less than the secured debt limit. S. 117 - Foreclosure Rescue Fraud Act of 2009 - Prohibits a foreclosure consultant from: (1) receiving compensation from a homeowner for services performed regarding residential real property until such consultant has fully performed each service contracted for; (2) holding power of attorney from any homeowner, except to inspect documents; (3) receiving consideration from a third party in connection with services rendered to a homeowner regarding the foreclosure, unless such consideration is fully, clearly, and conspicuously disclosed before such services are rendered; (4) accepting any security to secure compensation for services rendered regarding foreclosure of the residential real property; or (5) acquiring any interest in the residence of a homeowner with whom the consultant has contracted. C.A.R. wrote a comment letter in support of H.R. 1 concerning the expansion of the GSE and FHA loan limits as well as requesting an expansion of the homebuyer tax credit. C.A.R. commented and lobbied on the Administration's program "Making Home Affordable". C.A.R. focused on ways to expand the program to target more homeowners, including the jumbo loan market and more familues underwater in their homes. C.A.R. commented on the recent increases in loan fees from the GSEs (Fannie Mae and Freddie Mac). C.A.R. lobbied against the new GSE Housing Valuation Code of Conduct that was agreed to by Fannie Mae, Freddie Mac, and the NY Attorney General.

S. 101 - Universal Service for Americans Act or USA Act - Amends the Communications Act of 1934 to require each communications service provider to contribute to support universal service and defines the basic rules for net neutrality. S. 215 - Internet Freedom Preservation Act - Amends the Communications Act of 1934 to establish certain Internet neutrality duties for broadband service providers (providers), including not interfering with, or discriminating against, the ability of any person to use broadband service in a lawful manner. Allows providers to engage in activities in furtherance of certain management and business-related practices, such as protecting network security and offering consumer protection services such as parental controls.

H.R. 551 - Home Ownership for America's Veterans Act of 2007 - Amends the Internal Revenue Code to extend the eligibility period of veterans for mortgage financing and requires annual inflation adjustments after 2010 to limits on state veteran bond amounts. H.R. 2385 - 21st Century GI Bill of Rights Act - would extend and improve access to a number of benefits designed for veterans. This includes exempting Veterans from paying loan fees and expand opportunities for veterans to purchase, build, repair or improve a home by increasing access to low interest loans through the Veterans Affairs Home Loan Guaranty Loan Program for homes valued up to $625,000. The current program requires loan fees and is capped at the conforming loan rate of $417,000. H.R. 4884 - Helping Our Veterans to Keep Their Homes Act of 2008 would allow for 100% financing of certain VA home loans, would set limitation on the amount of fees that can be charged, and would increase the VA conforming loan rate to 150% of the conforming loan rate. S. 1409 - 21st Century GI Bill of Rights Act - would extend and improve access to a number of benefits designed for veterans. This includes exempting Veterans from paying loan fees and expand opportunities for veterans to purchase, build, repair or improve a home by increasing access to low interest loans through the Veterans Affairs Home Loan Guaranty Loan Program for homes valued up to $625,000. The current program requires loan fees and is capped at the conforming loan rate of $417,000. S. 3023 - Veterans' Notice Clarification Act of 2008 - Directs the Secretary of Veterans Affairs to prescribe regulations specifying the contents of a currently-required notice to claimants of a complete or substantially complete application, including regarding: (1) different contents for notice depending on whether the claim is an original claim, a claim for reopening a prior decision on a claim, or a claim for increased benefits; (2) additional or alternative contents depending on the benefit or services sought; (3) for each type of claim for benefits, the general information and evidence required; and (4) the timing of the notice issuance.

H.R. 111 - Community Choice in Real Estate Act - Amends the Bank Holding Company Act of 1956 to prohibit the Federal Reserve System and the Secretary of the Treasury from determining that real estate brokerage activity or real estate management activity is financial in nature. H.R. 1424 - the "Emergency Economic and Stabalization Act of 2008" included a $700 billion rescue plan to restart the flow of capital in the marketplace. H.R. 2061 - Predatory Mortgage Lending Practices Reduction Act - Amends the Real Estate Settlement Procedures Act of 1974 to prohibit any person, in connection with a subprime federally related mortgage loan, from providing mortgage lending services or mortgage brokerage services unless such person is certified by the Secretary of Housing and Urban Development as having been adequately trained with regard to subprime lending. S. 413 - Community Choice in Real Estate Act - Amends the Bank Holding Company Act of 1956 to prohibit the Federal Reserve System and the Secretary of the Treasury from determining that real estate brokerage activity or real estate management activity is financial in nature. S. 1100 - Federal Housing Enterprise Regulatory Reform Act of 2007 - Amends the Federal Housing Enterprises Financial Safety and Soundness Act of 1992 to establish in lieu of the Office of Federal Housing Enterprise Oversight of the Department of Housing and Urban Development (HUD), an independent Federal Housing Enterprise Regulatory Agency, headed by a Director, which shall have authority over: the Federal Home Loan Banks, the Finance Facility, the Federal National Mortgage Association (Fannie Mae), and the Federal Home Loan Mortgage Corporation (Freddie Mac). S. 1356 - Industrial Bank Holding Company Act of 2007 - Amends the Federal Deposit Insurance Act (FDIA) to apply the bank share or asset acquisition requirements of the Bank Holding Company Act of 1956 to any company that is or would become an industrial bank holding company. C.A.R. sent a comment letter to the California Congressional delegates concerning the need for an economic stimulus package that included: An extension of the GSE and FHA loan limits at their current 2008 levels, removing the payback requirement for the $7,500 first-time homebuyer tax credit and allowing buyers to utilize these funds at the time of home purchase at no additional cost, preserving the ability for creditworthy homebuyers to receive seller-funded downpayment assistance, and preventing unscrupulous foreclosure consultants from preying upon uninformed and vulnerable homeowners. Additionally, lenders participating in the Troubled Assets Relief Program (TARP) should be required to extend credit down to Main Street (making credit more available to consumers and small businesses), expedite the process for short sales, and expedite the resolution of banks real estate owned (REO) properties. C.A.R. is also lobbying on the idea of having either Congress or the Treasury Department instiute a plan where they would create a federal mortgage interest buy-down program to bring down interest rate spreads to historical averages and reduce mortgage interest rates since the spread between mortgage rates and Treasury rates are abnormally high. C.A.R. lobbied on the issue of putting the GSE's (Fannie Mae and Freddie Mac) into convervatorship and what their future should be. In addition, C.A.R. lobbied on the issues of the loan limits for GSE's and FHA in both their size, scope, and duration.

H.R. 1677 - Taxpayer Protection Act of 2007 - Amends Internal Revenue Code provisions relating to tax administration and taxpayer protections including an alternative procedure for furnishing a non-foreign affidavit in connection with the sale of a U.S. real property interest. H.R. 1424 - the "Emergency Economic and Stabalization Act of 2008" included a $700 billion rescue plan to restart the flow of capital in the marketplace, included real estate tax extenders of brownfield deduction, the 15-year leasehold improvement, deduction of state and local taxes, and a 1-year patch of the AMT. H.R. 1813 - Amends the Internal Revenue Code to make permanent the tax deduction for mortgage insurance premiums. H.R. 1850 - Housing America's Workforce Act - Amends the Internal Revenue Code to allow employers a business tax credit for up to 50 percent of the qualified housing expenses paid for the benefit of their employees. Defines "qualified housing expenses" to include homeownership assistance and rental assistance. Limits the amount of such credit to the lesser of $10,000 or six percent of an employee's home purchase price, or up to $2,000 for rental assistance. Excludes from employee gross income the value of employer-paid housing assistance. H.R. 2014 - Leasehold Improvement Depreciation Act of 2007 - Amends the Internal Revenue Code to: (1) make permanent the accelerated depreciation of qualified leasehold improvement property (i.e., a 15-year recovery period); and (2) modify the rule for determining the adjustment to earnings and profits for depreciation of such property. H.R. 2834 - Amends the Internal Revenue Code to treat as ordinary income income received by a partner from an investment services partnership interest; also known as carried interest. H.R. 5565 - Amends the Internal Revenue Code to allow purchasers of a single-family principal residence a one-time tax credit for up to $15,000 of the purchase price. Requires such a residence to be purchased after February 29, 2008, and before March 1, 2009, and that it be: (1) a new previously unoccupied residence for which a building permit has been issued and construction began on or before September 1, 2007; (2) an owner-occupied residence with a mortgage indebtedness in default on or before March 1, 2008; or (3) in foreclosure and owned by the mortgagor or the mortgagor's agent. H.R. 5720 - Housing Assistance Tax Act of 2008 - Amends the Internal Revenue Code relating to the low-income housing tax credit, tax-exempt housing bonds, real estate investment trusts (REITs) and to provide assistance to first-time home buyers and home owners. Allows first-time home buyers a refundable tax credit for 10% of the purchase price of a principal residence, up to $7,500; and (2) individual taxpayers who claim the standard deduction an additional deduction from gross income for state and local real property taxes. Modifies rules relating to REITs to: (1) treat passive foreign exchange gains attributable to overseas real estate investment as qualifying REIT income; (2) increase from 20 to 25% the the maximum value of an REIT's total assets that may be represented by securities of one or more taxable REIT subsidiaries; (3) revise safe harbor rules for the excise tax penalty on certain REIT sales activities; and (4) treat rental payments made by a health care facility to an REIT as qualifying REIT income. H.R. 6049 - Renewable Energy and Job Creation Act of 2008 -Amends the Internal Revenue Code to provide tax incentives for energy production and conservation, to extend expiring tax provisions, and to extend tax benefits to individual and business taxpayers. This includes: the deduction of state and local taxes, use of mortgage bonds to refinance residences for veterans, 15-year leasehold improvement deduction, brownfield deduction, and includes a new standard property tax deduction of $350 ($700 for married individuals filing a joint tax return). H.R. 6275 - Alternative Minimum Tax Relief Act of 2008 - Amends the Internal Revenue Code to: (1) increase and extend through 2008 the alternative minimum tax (AMT) exemption amounts; (2) extend through 2008 the offset of certain nonrefundable personal tax credits against regular and AMT tax liabilities; (3) treat net income and loss from an investment services partnership interest as ordinary income and loss. S. 1078 - Housing America's Workforce Act - Amends the Internal Revenue Code to allow employers a business tax credit for up to 50 percent of the qualified housing expenses paid for the benefit of their employees. Defines "qualified housing expenses" to include homeownership assistance and rental assistance. Limits the amount of such credit to the lesser of $10,000 or six percent of an employee's home purchase price, or up to $2,000 for rental assistance. Excludes from employee gross income the value of employer-paid housing assistance. S. 1361 - Leasehold Improvement Depreciation Act of 2007 - Amends the Internal Revenue Code to: (1) make permanent the accelerated depreciation of qualified leasehold improvement property (i.e., a 15-year recovery period); and (2) modify the rule for determining the adjustment to earnings and profits for depreciation of such property. S. 1416 - Amends the Internal Revenue Code to make permanent the tax deduction for mortgage insurance premiums. S. 1624 - Amends the Internal Revenue Code to treat as corporations for income tax purposes certain publicly traded partnerships which directly or indirectly derive income or gain from providing services as an investment adviser (as defined by the Investment Advisers Act of 1940) or asset management services. S. 2566 - Amends the Internal Revenue Code to allow purchasers of a single-family principal residence a one-time tax credit for up to $15,000 of the purchase price. Requires such a residence to be purchased after February 29, 2008, and before March 1, 2009, and that it be: (1) a new previously unoccupied residence for which a building permit has been issued and construction began on or before September 1, 2007; (2) an owner-occupied residence with a mortgage indebtedness in default on or before March 1, 2008; or (3) in foreclosure and owned by the mortgagor or the mortgagor's agent. C.A.R. sent a comment letter to the California Congressional delegates concerning the need for an economic stimulus package that included: An extension of the GSE and FHA loan limits at their current 2008 levels, removing the payback requirement for the $7,500 first-time homebuyer tax credit and allowing buyers to utilize these funds at the time of home purchase at no additional cost, preserving the ability for creditworthy homebuyers to receive seller-funded downpayment assistance, and preventing unscrupulous foreclosure consultants from preying upon uninformed and vulnerable homeowners. Additionally, lenders participating in the Troubled Assets Relief Program (TARP) should be required to extend credit down to Main Street (making credit more available to consumers and small businesses), expedite the process for short sales, and expedite the resolution of banks real estate owned (REO) properties.

H.R. 926 - Strengthening the Ownership of Private Property Act of 2007 or STOPP Act of 2007 - Prohibits federal financial assistance under defined federal economic development programs to a state or local government entity that uses the power of eminent domain to take property from a private entity and transfer ownership to another private entity. H.R. 5887 - Soledad Canyon Mine Act - Instructs the Secretary of the Interior to cancel Bureau of Land Management mineral contracts CA-20139 and CA-22901 and withdraw from further mineral entry the areas subject to them, which are located in Soledad Canyon adjacent to Santa Clarita, California. C.A.R. also wrote a letter of support on this bill which was sent to members of Congress. H.R. 6078 - Green Resources for Energy Efficient Neighborhoods Act of 2008 or the GREEN Act of 2008 - Sets forth provisions concerning Housing of Urban Development (HUD) energy efficiency and conservation standards and green building standards for structures (conservation standards). Amends the Housing and Community Development Act of 1992 to provide for credits for Fannie Mae and Freddie Mac for mortgage purchases that support housing that meets conservation standards. Amends the Federal National Mortgage Association Charter Act, the Federal Home Loan Mortgage Corporation Act, and the Federal Home Loan Bank Act to include provisions concerning energy-efficient mortgages and location-efficient mortgages. S. 2223 - Habitat and Land Conservation Act of 2007 - Amends the Internal Revenue Code to provide tax incentives for habitat conservation and restoration. Makes permanent the special rule allowing an enhanced tax deduction for individual and corporate charitable contributions of capital gain real property for conservation purposes. Allows certain landowners whose property contains the habitat of an endangered or threatened species and who enter into a habitat protection agreement a tax credit for costs and property losses relating to habitat protection easements and restoration. Places limits on the amount of such credit for each of calendar years 2008 through 2012. Directs the Comptroller General of the United States to study and report to Congress on the effectiveness of such credit. Allows a tax deduction for expenditures related to endangered species recovery plans approved under the Endangered Species Act of 1973. Extends through 2010 the taxpayer election to expense (deduct in the current taxable year) expenditures made for environmental remediation (i.e., abatement or control of hazardous substances at contaminated sites).

H.R. 3609 - Emergency Home Ownership and Mortgage Equity Protection Act of 2007 - Amends federal bankruptcy law governing a chapter 13 debtor to prohibit the holder of a claim in bankruptcy which is secured by debtor's principal residence from adding fees, costs, or charges while the case is pending, and removes the prohibition against modification of the rights of a holder of a claim secured only by an interest in real property that is the debtor's principal residence. S. 2133 - Home Owners' Mortgage and Equity Savings Act, or the HOMES Act - Amends federal bankruptcy law governing mortgage loans to authorize modification of a mortgage agreed to in writing by a debtor meeting specified requirements and the holder of a claim secured by an interest in real property initiated before September 26, 2007, that is the debtor's principal residence. Allows the principal amount of such a mortgage loan to be lowered to the fair market value, if less than such amount, of the real property securing the loan at the time of the submission of the debtor's plan for the payment of debts. Permits waiver of otherwise applicable early repayment or prepayment penalties. Permits, also, prohibition of, delay in, or voiding of any adjustments to the rate of interest in the case of an adjustable rate mortgage. S. 2136 - Helping Families Save Their Homes in Bankruptcy Act of 2007 - Amends federal bankruptcy law to permit a bankruptcy plan to: (1) modify a loan secured by the principal residence (mortgage) of a chapter 13 debtor (individual with regular income); and (2) provide for payment of such loan at a fixed annual percentage rate of interest, over a 30-year period.

H.R. 91 - Homeowners Insurance Protection Act of 2007 - Instructs the Secretary of the Treasury to establish the National Commission on Catastrophe Preparation and Protection to advise the Secretary regarding estimated loss costs associated with contracts for reinsurance coverage. H.R. 3121 - Flood Insurance Reform and Modernization Act of 2007 - (Sec. 3) Directs the Comptroller General to study and report to Congress on: (1) the flood insurance coverage status of pre-FIRM properties; and (2) assess the impact, effectiveness, and feasibility of amending the Flood Disaster Protection Act of 1973 regarding properties subject to the mandatory flood insurance purchase requirement for a natural 100-year floodplain, and possible extension of such requirement to properties securing nonfederally related loans. H.R. 3959 - Amends the National Flood Insurance Act of 1968 (Act) to provide for phased-in actuarial premium rates for recently purchased pre-FIRM single family properties used as a principal residence and purchased for at least $600,000. C.A.R. opposes H.R. 3959. H.R. 5918 - SHOP Act - Amends the Public Health Service Act to require the Secretary of Health and Human Services to designate an office within the Department of Health and Human Services (HHS) to administer a health insurance program for small businesses and self-employed individuals to purchase health insurance coverage meeting certain requirements. S 2284 - Flood Insurance Reform and Modernization Act of 2007 - (Sec. 4) Amends the National Flood Insurance Act of 1968 (Act) to extend the national flood insurance program (Program) though FY2013. S. 2795 - SHOP Act - Amends the Public Health Service Act to require the Secretary of Health and Human Services to designate an office within the Department of Health and Human Services (HHS) to administer a health insurance program for small businesses and self-employed individuals to purchase health insurance coverage meeting certain requirements.

H.R. 3915 - Mortgage Reform and Anti-Predatory Lending Act of 2007 - Title I: Residential Mortgage Loan Origination - Subtitle A: Licensing System for Residential Mortgage Loan Originators - Encourages the states, through the Conference of State Bank Supervisors and the American Association of Residential Mortgage Regulators, to establish a Nationwide Mortgage Licensing System and Registry (NMLSR) for the residential mortgage industry. H.R. 2895 - National Affordable Housing Trust Fund Act of 2007 - Amends the Cranston-Gonzalez National Affordable Housing Act to establish in the Treasury the National Affordable Housing Trust Fund (Fund). Declares that: (1) the Fund shall consist of certain amounts of the Federal National Mortgage Association and the Federal Home Loan Mortgage Corporation transferred to the Fund under specified law, including Federal Housing Administration (FHA) savings; and (2) all assistance provided from the Fund shall be considered to be federal financial assistance. H.R. 3221 - Foreclosure Prevention Act of 2008 Includes GSE and FHA reform, including: increases the conforming loan limit, prohibits the maximum principal loan obligation from exceeding 100% of the appraised value of the property, increases from 3% to 3.5% of the appraised value of a property the mortgagor's required cash (or equivalent) investment (downpayment), prohibits any funds for such cash investment from: (1) the seller or any other person or entity benefiting financially from the transaction (seller-funded downpayment assistance); or (2) any third party or entity reimbursed by any of such parties, tax provisions, and extends through 2009 the tax credit for residential energy efficiency improvements. Also includes an FHA Rescue Plan which would allow for lenders to write down loans to 85% of their appraised value but then those loans would be purchased and insured under FHA and would ban seller funded downpayment assistance programs on FHA insured loans. H.R. 5818 - Neighborhood Stabilization Act of 2008 - Directs the Secretary of Housing and Urban Development (HUD) to make grants and loans to qualified states, metropolitan cities, and urban counties, in accordance with HUD-approved plans, to carry out eligible housing stimulus activities. H.R. 6694 - The FHA Seller-Financed Downpayment Reform and Risk-Based Pricing Authorization Act of 2008 would revise the requirements for seller-financed downpayments for mortgages for single-family housing insured by the Secretary of Housing and Urban Development under title II of the National Housing Act and to authorize risk-based insurance premiums for certain mortgagors under such mortgages. S. 1299 - Borrower's Protection Act of 2007 - Amends the Truth in Lending Act to deem a mortgage broker, in the case of a home mortgage loan, to have a fiduciary relationship with the consumer. Subjects each such mortgage broker to all federal and state requirements for fiduciaries. S. 2338 - FHA Modernization Act of 2007 (Building American Homeownership Act of 2007) - Amends the National Housing Act to: (1) modify requirements for the maximum principal loan obligation, changing one element in the formula from 95% to 100% of the median one-family house price in the area; and (2) limit the principal loan obligation to 100% of the appraised value of the property. Amends the National Housing Act to revise eligibility criteria for cash down payment for Federal Housing Administration (FHA) mortgage insurance. Reduces such payment from the current 3% to 1.5% of the appraised value of the property. S. 2595 - The Secure and Fair Enforcement for Mortgage Licensing Act of 2008 would require licensing for loan originators on a national level as well as state level. Hope for Homeowners Act of 2008 - The HOPE for Homeowners Act of 2008" creates a new program within FHA to back FHA-insured mortgages to distressed borrowers. The program is built on five principles: 1. Long-term Affordability. 2. No investor or lender bailout. 3. No windfall for borrowers. 4. Voluntary Participation. 5. Restore confidence, liquidity, and transparency. Federal Housing Finance Regulatory Reform Act (FHA Housing Stabilization & Homeownership Retention Act)- Program would permit FHA to provide [up to $300 billion] in new guarantees that would help to refinance at-risk borrowers into viable mortgages. When the borrower sells the home or refinances the loan, the borrower will pay from any profits the higher of (1) an ongoing exit fee equal to 3 percent of the original FHA loan balance; or (2) a declining percentage of any profits (e.g., from 100 percent in year one to 20 percent in year five and 0 thereafter). After year five only the 3 percent exit fee will apply. HUD RESPA Proposal - C.A.R. is opposing this specific RESPA Reform proposal because of concerns that it goes beyond the original scope of the proposal, the timing of the provisions, and targeted comments that seem to be directed at specific at volume discounts, average cost pricing, price tolerances, a new definition of "required use", and a new "closing script" which must be read aloud at closing.

S. 101 - Universal Service for Americans Act or USA Act - Amends the Communications Act of 1934 to require each communications service provider to contribute to support universal service and defines the basic rules for net neutrality. S. 215 - Internet Freedom Preservation Act - Amends the Communications Act of 1934 to establish certain Internet neutrality duties for broadband service providers (providers), including not interfering with, or discriminating against, the ability of any person to use broadband service in a lawful manner. Allows providers to engage in activities in furtherance of certain management and business-related practices, such as protecting network security and offering consumer protection services such as parental controls.

H.R. 551 - Home Ownership for America's Veterans Act of 2007 - Amends the Internal Revenue Code to extend the eligibility period of veterans for mortgage financing and requires annual inflation adjustments after 2010 to limits on state veteran bond amounts. H.R. 2385 - 21st Century GI Bill of Rights Act - would extend and improve access to a number of benefits designed for veterans. This includes exempting Veterans from paying loan fees and expand opportunities for veterans to purchase, build, repair or improve a home by increasing access to low interest loans through the Veterans Affairs Home Loan Guaranty Loan Program for homes valued up to $625,000. The current program requires loan fees and is capped at the conforming loan rate of $417,000. H.R. 3221 - American Housing Rescue and Foreclosure Prevention Act of 2008 - H.R. 3221 temporarily increases the VA loan limits to the same as those found in the economic stimulus package (125% of an MSA, capped at $729,750) through December 31, 2008. H.R. 3997 - Defenders of Freedom Tax Relief Act of 2007 - Amends the Internal Revenue Code to provide tax relief and earnings assistance to members of the uniformed services, increase penalties for noncompliance with tax requirements, and make technical amendments and clerical corrections. Makes permanent the eligibility of veterans for mortgage bond financing of residences without regard to first-time homebuyer requirements. Increases to $100 million the veterans' mortgage bond limitation in Alaska, Oregon, and Wisconsin. Revises the definition of "qualified veteran" for mortgage bond financing eligibility purposes to make such definition applicable to veterans in all states. H.R. 4884 - Helping Our Veterans to Keep Their Homes Act of 2008 would allow for 100% financing of certain VA home loans, would set limitation on the amount of fees that can be charged, and would increase the VA conforming loan rate to 150% of the conforming loan rate. S. 1409 - 21st Century GI Bill of Rights Act - would extend and improve access to a number of benefits designed for veterans. This includes exempting Veterans from paying loan fees and expand opportunities for veterans to purchase, build, repair or improve a home by increasing access to low interest loans through the Veterans Affairs Home Loan Guaranty Loan Program for homes valued up to $625,000. The current program requires loan fees and is capped at the conforming loan rate of $417,000. S. 3023 - Veterans' Notice Clarification Act of 2008 - Directs the Secretary of Veterans Affairs to prescribe regulations specifying the contents of a currently-required notice to claimants of a complete or substantially complete application, including regarding: (1) different contents for notice depending on whether the claim is an original claim, a claim for reopening a prior decision on a claim, or a claim for increased benefits; (2) additional or alternative contents depending on the benefit or services sought; (3) for each type of claim for benefits, the general information and evidence required; and (4) the timing of the notice issuance.

H.R. 91 - Homeowners Insurance Protection Act of 2007 - Instructs the Secretary of the Treasury to establish the National Commission on Catastrophe Preparation and Protection to advise the Secretary regarding estimated loss costs associated with contracts for reinsurance coverage. H.R. 3121 - Flood Insurance Reform and Modernization Act of 2007 - (Sec. 3) Directs the Comptroller General to study and report to Congress on: (1) the flood insurance coverage status of pre-FIRM properties; and (2) assess the impact, effectiveness, and feasibility of amending the Flood Disaster Protection Act of 1973 regarding properties subject to the mandatory flood insurance purchase requirement for a natural 100-year floodplain, and possible extension of such requirement to properties securing nonfederally related loans. H.R. 3959 - Amends the National Flood Insurance Act of 1968 (Act) to provide for phased-in actuarial premium rates for recently purchased pre-FIRM single family properties used as a principal residence and purchased for at least $600,000. C.A.R. opposes H.R. 3959. H.R. 5918 - SHOP Act - Amends the Public Health Service Act to require the Secretary of Health and Human Services to designate an office within the Department of Health and Human Services (HHS) to administer a health insurance program for small businesses and self-employed individuals to purchase health insurance coverage meeting certain requirements. S 2284 - Flood Insurance Reform and Modernization Act of 2007 - (Sec. 4) Amends the National Flood Insurance Act of 1968 (Act) to extend the national flood insurance program (Program) though FY2013. S. 2795 - SHOP Act - Amends the Public Health Service Act to require the Secretary of Health and Human Services to designate an office within the Department of Health and Human Services (HHS) to administer a health insurance program for small businesses and self-employed individuals to purchase health insurance coverage meeting certain requirements.

H.R. 3609 - Emergency Home Ownership and Mortgage Equity Protection Act of 2007 - Amends federal bankruptcy law governing a chapter 13 debtor to prohibit the holder of a claim in bankruptcy which is secured by debtor's principal residence from adding fees, costs, or charges while the case is pending, and removes the prohibition against modification of the rights of a holder of a claim secured only by an interest in real property that is the debtor's principal residence. S. 2133 - Home Owners' Mortgage and Equity Savings Act, or the HOMES Act - Amends federal bankruptcy law governing mortgage loans to authorize modification of a mortgage agreed to in writing by a debtor meeting specified requirements and the holder of a claim secured by an interest in real property initiated before September 26, 2007, that is the debtor's principal residence. Allows the principal amount of such a mortgage loan to be lowered to the fair market value, if less than such amount, of the real property securing the loan at the time of the submission of the debtor's plan for the payment of debts. Permits waiver of otherwise applicable early repayment or prepayment penalties. Permits, also, prohibition of, delay in, or voiding of any adjustments to the rate of interest in the case of an adjustable rate mortgage. S. 2136 - Helping Families Save Their Homes in Bankruptcy Act of 2007 - Amends federal bankruptcy law to permit a bankruptcy plan to: (1) modify a loan secured by the principal residence (mortgage) of a chapter 13 debtor (individual with regular income); and (2) provide for payment of such loan at a fixed annual percentage rate of interest, over a 30-year period.

H.R. 926 - Strengthening the Ownership of Private Property Act of 2007 or STOPP Act of 2007 - Prohibits federal financial assistance under defined federal economic development programs to a state or local government entity that uses the power of eminent domain to take property from a private entity and transfer ownership to another private entity. H.R. 5887 - Soledad Canyon Mine Act - Instructs the Secretary of the Interior to cancel Bureau of Land Management mineral contracts CA-20139 and CA-22901 and withdraw from further mineral entry the areas subject to them, which are located in Soledad Canyon adjacent to Santa Clarita, California. C.A.R. also wrote a letter of support on this bill which was sent to members of Congress. H.R. 6078 - Green Resources for Energy Efficient Neighborhoods Act of 2008 or the GREEN Act of 2008 - Sets forth provisions concerning Housing of Urban Development (HUD) energy efficiency and conservation standards and green building standards for structures (conservation standards). Amends the Housing and Community Development Act of 1992 to provide for credits for Fannie Mae and Freddie Mac for mortgage purchases that support housing that meets conservation standards. Amends the Federal National Mortgage Association Charter Act, the Federal Home Loan Mortgage Corporation Act, and the Federal Home Loan Bank Act to include provisions concerning energy-efficient mortgages and location-efficient mortgages. S. 2223 - Habitat and Land Conservation Act of 2007 - Amends the Internal Revenue Code to provide tax incentives for habitat conservation and restoration. Makes permanent the special rule allowing an enhanced tax deduction for individual and corporate charitable contributions of capital gain real property for conservation purposes. Allows certain landowners whose property contains the habitat of an endangered or threatened species and who enter into a habitat protection agreement a tax credit for costs and property losses relating to habitat protection easements and restoration. Places limits on the amount of such credit for each of calendar years 2008 through 2012. Directs the Comptroller General of the United States to study and report to Congress on the effectiveness of such credit. Allows a tax deduction for expenditures related to endangered species recovery plans approved under the Endangered Species Act of 1973. Extends through 2010 the taxpayer election to expense (deduct in the current taxable year) expenditures made for environmental remediation (i.e., abatement or control of hazardous substances at contaminated sites).

S. 3406 - the ADA Amendments Act of 2008, amends the Americans with Disabilities Act of 1990 (ADA) to redefine the words/terms disability, major life activities, and being regarded as having such an impairment.

H.R. 111 - Community Choice in Real Estate Act - Amends the Bank Holding Company Act of 1956 to prohibit the Federal Reserve System and the Secretary of the Treasury from determining that real estate brokerage activity or real estate management activity is financial in nature. H.R. 698 - Industrial Bank Holding Company Act of 2007 - Amends the Federal Deposit Insurance Act (FDIA) to apply the bank share or asset acquisition requirements of the Bank Holding Company Act of 1956 to any company that is or would become an industrial bank holding company. H.R. 1424 - the "Emergency Economic and Stabalization Act of 2008" included a $700 billion rescue plan to restart the flow of capital in the marketplace. H.R. 2061 - Predatory Mortgage Lending Practices Reduction Act - Amends the Real Estate Settlement Procedures Act of 1974 to prohibit any person, in connection with a subprime federally related mortgage loan, from providing mortgage lending services or mortgage brokerage services unless such person is certified by the Secretary of Housing and Urban Development as having been adequately trained with regard to subprime lending. S. 413 - Community Choice in Real Estate Act - Amends the Bank Holding Company Act of 1956 to prohibit the Federal Reserve System and the Secretary of the Treasury from determining that real estate brokerage activity or real estate management activity is financial in nature. S. 1100 - Federal Housing Enterprise Regulatory Reform Act of 2007 - Amends the Federal Housing Enterprises Financial Safety and Soundness Act of 1992 to establish in lieu of the Office of Federal Housing Enterprise Oversight of the Department of Housing and Urban Development (HUD), an independent Federal Housing Enterprise Regulatory Agency, headed by a Director, which shall have authority over: the Federal Home Loan Banks, the Finance Facility, the Federal National Mortgage Association (Fannie Mae), and the Federal Home Loan Mortgage Corporation (Freddie Mac). S. 1356 - Industrial Bank Holding Company Act of 2007 - Amends the Federal Deposit Insurance Act (FDIA) to apply the bank share or asset acquisition requirements of the Bank Holding Company Act of 1956 to any company that is or would become an industrial bank holding company. Regulation Z - The Federal Reserve published their final rule amending Regulation Z (Truth in Lending). The intent of the new rule is to curb abusive lending practices that helped lead to the current foreclosure and financial crisis. The new rule will create a new category of loans known as higher-priced mortgage loans. Loans that fall into this category will have new protections that include: prohibiting a lender from making a loan without regard to borrowers' ability to repay the loan requiring creditors to verify the income and assets, banning any prepayment penalty if the payment can change in the initial four years, requiring creditors to establish escrow accounts for property taxes and homeowner's insurance. There are also new rules that will impact all loans securitized by a consumers principal residence. They are: creditors and mortgage brokers are prohibited from coercing a real estate appraiser to misstate a home's value, companies that service mortgage loans are prohibited from engaging in certain practices, creditors must provide a good faith estimate of the loan costs, including a schedule of payments, within three days after a consumer applies for any mortgage loan secured by a consumer's principal dwelling. Comment letter was sent to the Securities Industry and Financial Markets Association (SIFMA) which was also copied to members of Congress. The comment letter concerned allowing all loans eligible for purchase by Fannie Mae and Freddie to be pooled together in the To-Be-Announced (TBA) market.

H.R. 91 - Homeowners Insurance Protection Act of 2007 - Instructs the Secretary of the Treasury to establish the National Commission on Catastrophe Preparation and Protection to advise the Secretary regarding estimated loss costs associated with contracts for reinsurance coverage. H.R. 3121 - Flood Insurance Reform and Modernization Act of 2007 - (Sec. 3) Directs the Comptroller General to study and report to Congress on: (1) the flood insurance coverage status of pre-FIRM properties; and (2) assess the impact, effectiveness, and feasibility of amending the Flood Disaster Protection Act of 1973 regarding properties subject to the mandatory flood insurance purchase requirement for a natural 100-year floodplain, and possible extension of such requirement to properties securing nonfederally related loans. H.R. 3959 - Amends the National Flood Insurance Act of 1968 (Act) to provide for phased-in actuarial premium rates for recently purchased pre-FIRM single family properties used as a principal residence and purchased for at least $600,000. C.A.R. opposes H.R. 3959. H.R. 5918 - SHOP Act - Amends the Public Health Service Act to require the Secretary of Health and Human Services to designate an office within the Department of Health and Human Services (HHS) to administer a health insurance program for small businesses and self-employed individuals to purchase health insurance coverage meeting certain requirements. S 2284 - Flood Insurance Reform and Modernization Act of 2007 - (Sec. 4) Amends the National Flood Insurance Act of 1968 (Act) to extend the national flood insurance program (Program) though FY2013. S. 2795 - SHOP Act - Amends the Public Health Service Act to require the Secretary of Health and Human Services to designate an office within the Department of Health and Human Services (HHS) to administer a health insurance program for small businesses and self-employed individuals to purchase health insurance coverage meeting certain requirements.

H.R. 551 - Home Ownership for America's Veterans Act of 2007 - Amends the Internal Revenue Code to extend the eligibility period of veterans for mortgage financing and requires annual inflation adjustments after 2010 to limits on state veteran bond amounts. H.R. 2385 - 21st Century GI Bill of Rights Act - would extend and improve access to a number of benefits designed for veterans. This includes exempting Veterans from paying loan fees and expand opportunities for veterans to purchase, build, repair or improve a home by increasing access to low interest loans through the Veterans Affairs Home Loan Guaranty Loan Program for homes valued up to $625,000. The current program requires loan fees and is capped at the conforming loan rate of $417,000. H.R. 3997 - Defenders of Freedom Tax Relief Act of 2007 - Amends the Internal Revenue Code to provide tax relief and earnings assistance to members of the uniformed services, increase penalties for noncompliance with tax requirements, and make technical amendments and clerical corrections. Makes permanent the eligibility of veterans for mortgage bond financing of residences without regard to first-time homebuyer requirements. Increases to $100 million the veterans' mortgage bond limitation in Alaska, Oregon, and Wisconsin. Revises the definition of "qualified veteran" for mortgage bond financing eligibility purposes to make such definition applicable to veterans in all states. H.R. 4884 - Helping Our Veterans to Keep Their Homes Act of 2008 would allow for 100% financing of certain VA home loans, would set limitation on the amount of fees that can be charged, and would increase the VA conforming loan rate to 150% of the conforming loan rate. S. 1409 - 21st Century GI Bill of Rights Act - would extend and improve access to a number of benefits designed for veterans. This includes exempting Veterans from paying loan fees and expand opportunities for veterans to purchase, build, repair or improve a home by increasing access to low interest loans through the Veterans Affairs Home Loan Guaranty Loan Program for homes valued up to $625,000. The current program requires loan fees and is capped at the conforming loan rate of $417,000.

H.R. 3609 - Emergency Home Ownership and Mortgage Equity Protection Act of 2007 - Amends federal bankruptcy law governing a chapter 13 debtor to prohibit the holder of a claim in bankruptcy which is secured by debtor's principal residence from adding fees, costs, or charges while the case is pending, and removes the prohibition against modification of the rights of a holder of a claim secured only by an interest in real property that is the debtor's principal residence. S. 2133 - Home Owners' Mortgage and Equity Savings Act, or the HOMES Act - Amends federal bankruptcy law governing mortgage loans to authorize modification of a mortgage agreed to in writing by a debtor meeting specified requirements and the holder of a claim secured by an interest in real property initiated before September 26, 2007, that is the debtor's principal residence. Allows the principal amount of such a mortgage loan to be lowered to the fair market value, if less than such amount, of the real property securing the loan at the time of the submission of the debtor's plan for the payment of debts. Permits waiver of otherwise applicable early repayment or prepayment penalties. Permits, also, prohibition of, delay in, or voiding of any adjustments to the rate of interest in the case of an adjustable rate mortgage. S. 2136 - Helping Families Save Their Homes in Bankruptcy Act of 2007 - Amends federal bankruptcy law to permit a bankruptcy plan to: (1) modify a loan secured by the principal residence (mortgage) of a chapter 13 debtor (individual with regular income); and (2) provide for payment of such loan at a fixed annual percentage rate of interest, over a 30-year period.

S. 101 - Universal Service for Americans Act or USA Act - Amends the Communications Act of 1934 to require each communications service provider to contribute to support universal service and defines the basic rules for net neutrality.

H.R. 1677 - Taxpayer Protection Act of 2007 - Amends Internal Revenue Code provisions relating to tax administration and taxpayer protections including an alternative procedure for furnishing a non-foreign affidavit in connection with the sale of a U.S. real property interest. H.R. 1813 - Amends the Internal Revenue Code to make permanent the tax deduction for mortgage insurance premiums. H.R. 1850 - Housing America's Workforce Act - Amends the Internal Revenue Code to allow employers a business tax credit for up to 50 percent of the qualified housing expenses paid for the benefit of their employees. Defines "qualified housing expenses" to include homeownership assistance and rental assistance. Limits the amount of such credit to the lesser of $10,000 or six percent of an employee's home purchase price, or up to $2,000 for rental assistance. Excludes from employee gross income the value of employer-paid housing assistance. H.R. 2014 - Leasehold Improvement Depreciation Act of 2007 - Amends the Internal Revenue Code to: (1) make permanent the accelerated depreciation of qualified leasehold improvement property (i.e., a 15-year recovery period); and (2) modify the rule for determining the adjustment to earnings and profits for depreciation of such property. H.R. 2419 - Farm Bill Extension Act of 2007 - includes a provision that would catagorize what is considered a "like-kind" exchange under IRS section 1031. It would prohibit as like-kind the exchange of improved property for non-improved farm land. H.R. 2834 - Amends the Internal Revenue Code to treat as ordinary income income received by a partner from an investment services partnership interest; also known as carried interest. H.R. 3221 - Housing bill which includes a $7000 tax rebate for homeowners who purchase a foreclosed home as well as a provision that allows for carryback losses in taxes, includes a FIRPTA fix that would allow escrow to hold documents, and allows for the use of mortgage bonds to refinance qualified subprime loans. H.R. 3997 - Defenders of Freedom Tax Relief Act of 2007 - Amends the Internal Revenue Code to provide tax benefits and incentives for military personnel, makes permanent the exemption from the first-time homebuyer rule for veterans using mortgage revenue bonds to purchase a residence, increases the issuance limits on mortgage revenue bonds for veterans in Alaska, Oregon, and Wisconsin to $100 million after 2009, and revises the definition of "qualified veteran" for mortgage bond financing eligibility purposes to eliminate the pre-1977 active duty requirement and to reduce the eligibility period to 25 years. H.R. 5643 - First-Time Homebuyers' Tax Credit Act of 2008 - Amends the Internal Revenue Code to allow an income-based, one-time refundable tax credit for first-time homebuyers of ten percent of a principal residence's purchase price ($3,000 maximum credit, $6,000 maximum credit for joint filers). H.R. 5565 - Amends the Internal Revenue Code to allow purchasers of a single-family principal residence a one-time tax credit for up to $15,000 of the purchase price. Requires such a residence to be purchased after February 29, 2008, and before March 1, 2009, and that it be: (1) a new previously unoccupied residence for which a building permit has been issued and construction began on or before September 1, 2007; (2) an owner-occupied residence with a mortgage indebtedness in default on or before March 1, 2008; or (3) in foreclosure and owned by the mortgagor or the mortgagor's agent. H.R. 5720 - Housing Assistance Tax Act of 2008 - Amends the Internal Revenue Code relating to the low-income housing tax credit, tax-exempt housing bonds, real estate investment trusts (REITs) and to provide assistance to first-time home buyers and home owners. Allows first-time home buyers a refundable tax credit for 10% of the purchase price of a principal residence, up to $7,500; and (2) individual taxpayers who claim the standard deduction an additional deduction from gross income for state and local real property taxes. Modifies rules relating to REITs to: (1) treat passive foreign exchange gains attributable to overseas real estate investment as qualifying REIT income; (2) increase from 20 to 25% the the maximum value of an REIT's total assets that may be represented by securities of one or more taxable REIT subsidiaries; (3) revise safe harbor rules for the excise tax penalty on certain REIT sales activities; and (4) treat rental payments made by a health care facility to an REIT as qualifying REIT income. H.R. 6049 - Renewable Energy and Job Creation Act of 2008 -Amends the Internal Revenue Code to provide tax incentives for energy production and conservation, to extend expiring tax provisions, and to extend tax benefits to individual and business taxpayers. This includes: the deduction of state and local taxes, use of mortgage bonds to refinance residences for veterans, 15-year leasehold improvement deduction, brownfield deduction, and includes a new standard property tax deduction of $350 ($700 for married individuals filing a joint tax return). H.R. 6081 - Heroes Earning Assistance and Relief Tax Act of 2008 -Amends the Internal Revenue Code to provide tax benefits and incentives for military personnel, makes permanent the exemption from the first-time homebuyer rule for veterans using mortgage revenue bonds to purchase a residence, increases the issuance limits on mortgage revenue bonds for veterans in Alaska, Oregon, and Wisconsin to $100 million after 2009, and revises the definition of "qualified veteran" for mortgage bond financing eligibility purposes to eliminate the pre-1977 active duty requirement and to reduce the eligibility period to 25 years. H.R. 6275 - Alternative Minimum Tax Relief Act of 2008 - Amends the Internal Revenue Code to: (1) increase and extend through 2008 the alternative minimum tax (AMT) exemption amounts; (2) extend through 2008 the offset of certain nonrefundable personal tax credits against regular and AMT tax liabilities; (3) treat net income and loss from an investment services partnership interest as ordinary income and loss. S. 1078 - Housing America's Workforce Act - Amends the Internal Revenue Code to allow employers a business tax credit for up to 50 percent of the qualified housing expenses paid for the benefit of their employees. Defines "qualified housing expenses" to include homeownership assistance and rental assistance. Limits the amount of such credit to the lesser of $10,000 or six percent of an employee's home purchase price, or up to $2,000 for rental assistance. Excludes from employee gross income the value of employer-paid housing assistance. S. 1361 - Leasehold Improvement Depreciation Act of 2007 - Amends the Internal Revenue Code to: (1) make permanent the accelerated depreciation of qualified leasehold improvement property (i.e., a 15-year recovery period); and (2) modify the rule for determining the adjustment to earnings and profits for depreciation of such property. S. 1416 - Amends the Internal Revenue Code to make permanent the tax deduction for mortgage insurance premiums. S. 1624 - Amends the Internal Revenue Code to treat as corporations for income tax purposes certain publicly traded partnerships which directly or indirectly derive income or gain from providing services as an investment adviser (as defined by the Investment Advisers Act of 1940) or asset management services. S. 1988 - First-Time Homebuyers' Tax Credit Act of 2007 - Amends the Internal Revenue Code to allow an income-based, one-time refundable tax credit for first-time homebuyers of ten percent of a principal residence's purchase price ($3,000 maximum credit, $6,000 maximum credit for joint filers). S. 2566 - Amends the Internal Revenue Code to allow purchasers of a single-family principal residence a one-time tax credit for up to $15,000 of the purchase price. Requires such a residence to be purchased after February 29, 2008, and before March 1, 2009, and that it be: (1) a new previously unoccupied residence for which a building permit has been issued and construction began on or before September 1, 2007; (2) an owner-occupied residence with a mortgage indebtedness in default on or before March 1, 2008; or (3) in foreclosure and owned by the mortgagor or the mortgagor's agent.

H.R. 3915 - Mortgage Reform and Anti-Predatory Lending Act of 2007 - Title I: Residential Mortgage Loan Origination - Subtitle A: Licensing System for Residential Mortgage Loan Originators - Encourages the states, through the Conference of State Bank Supervisors and the American Association of Residential Mortgage Regulators, to establish a Nationwide Mortgage Licensing System and Registry (NMLSR) for the residential mortgage industry. H.R. 1427 - Federal Housing Finance Reform Act of 2007 - Amends the Housing and Community Development Act of 1992 (Act) to establish, in place of the present Office of Federal Housing Enterprise Oversight, a Federal Housing Finance Agency (FHFA). Requires loan limit adjustments for high-cost areas to: (1) the lesser of 150% of the foregoing limitation for a particular size residence; or (2) the amount equal to the median price in such area for such size residence. Applies such an adjustment only with respect to mortgages on which are based securities issued and sold by the corporation involved. Requires the Director to establish and manage an affordable housing fund to provide formula grants to increase homeownership for extremely low-and very low-income families. H.R. 1852 - Expanding American Homeownership Act of 2007 - Amends the National Housing Act to: (1) modify requirements governing the maximum principal loan obligation; (2) extend the mortgage term; and (3) revise requirements for cash downpayment by the mortgagor in the eligibility criteria for mortgage insurance, including mortgage insurance premiums for zero- and lower-downpayment borrowers who obtain a mortgage secured by a one- to four-family dwelling. Also includes and increase in FHA loan limits. H.R. 2895 - National Affordable Housing Trust Fund Act of 2007 - Amends the Cranston-Gonzalez National Affordable Housing Act to establish in the Treasury the National Affordable Housing Trust Fund (Fund). Declares that: (1) the Fund shall consist of certain amounts of the Federal National Mortgage Association and the Federal Home Loan Mortgage Corporation transferred to the Fund under specified law, including Federal Housing Administration (FHA) savings; and (2) all assistance provided from the Fund shall be considered to be federal financial assistance. H.R. 3221 - Foreclosure Prevention Act of 2008 Includes GSE and FHA reform, including: increases the conforming loan limit, prohibits the maximum principal loan obligation from exceeding 100% of the appraised value of the property, increases from 3% to 3.5% of the appraised value of a property the mortgagor's required cash (or equivalent) investment (downpayment), prohibits any funds for such cash investment from: (1) the seller or any other person or entity benefiting financially from the transaction (seller-funded downpayment assistance); or (2) any third party or entity reimbursed by any of such parties, tax provisions, and extends through 2009 the tax credit for residential energy efficiency improvements. Also includes an FHA Rescue Plan which would allow for lenders to write down loans to 85% of their appraised value but then those loans would be purchased and insured under FHA. H.R. 5818 - Neighborhood Stabilization Act of 2008 - Directs the Secretary of Housing and Urban Development (HUD) to make grants and loans to qualified states, metropolitan cities, and urban counties, in accordance with HUD-approved plans, to carry out eligible housing stimulus activities. S. 1299 - Borrower's Protection Act of 2007 - Amends the Truth in Lending Act to deem a mortgage broker, in the case of a home mortgage loan, to have a fiduciary relationship with the consumer. Subjects each such mortgage broker to all federal and state requirements for fiduciaries. S. 2338 - FHA Modernization Act of 2007 (Building American Homeownership Act of 2007) - Amends the National Housing Act to: (1) modify requirements for the maximum principal loan obligation, changing one element in the formula from 95% to 100% of the median one-family house price in the area; and (2) limit the principal loan obligation to 100% of the appraised value of the property. Amends the National Housing Act to revise eligibility criteria for cash down payment for Federal Housing Administration (FHA) mortgage insurance. Reduces such payment from the current 3% to 1.5% of the appraised value of the property. S. 2595 - The Secure and Fair Enforcement for Mortgage Licensing Act of 2008 would require licensing for loan originators on a national level as well as state level. Hope for Homeowners Act of 2008 - The HOPE for Homeowners Act of 2008" creates a new program within FHA to back FHA-insured mortgages to distressed borrowers. The program is built on five principles: 1. Long-term Affordability. 2. No investor or lender bailout. 3. No windfall for borrowers. 4. Voluntary Participation. 5. Restore confidence, liquidity, and transparency. Federal Housing Finance Regulatory Reform Act (FHA Housing Stabilization & Homeownership Retention Act)- Program would permit FHA to provide [up to $300 billion] in new guarantees that would help to refinance at-risk borrowers into viable mortgages. When the borrower sells the home or refinances the loan, the borrower will pay from any profits the higher of (1) an ongoing exit fee equal to 3 percent of the original FHA loan balance; or (2) a declining percentage of any profits (e.g., from 100 percent in year one to 20 percent in year five and 0 thereafter). After year five only the 3 percent exit fee will apply. HUD RESPA Proposal - C.A.R. is opposing this specific RESPA Reform proposal because of concerns that it goes beyond the original scope of the proposal, the timing of the provisions, and targeted comments that seem to be directed at specific at volume discounts, average cost pricing, price tolerances, a new definition of "required use", and a new "closing script" which must be read aloud at closing.

H.R. 926 - Strengthening the Ownership of Private Property Act of 2007 or STOPP Act of 2007 - Prohibits federal financial assistance under defined federal economic development programs to a state or local government entity that uses the power of eminent domain to take property from a private entity and transfer ownership to another private entity. S. 2223 - Habitat and Land Conservation Act of 2007 - Amends the Internal Revenue Code to provide tax incentives for habitat conservation and restoration. Makes permanent the special rule allowing an enhanced tax deduction for individual and corporate charitable contributions of capital gain real property for conservation purposes. Allows certain landowners whose property contains the habitat of an endangered or threatened species and who enter into a habitat protection agreement a tax credit for costs and property losses relating to habitat protection easements and restoration. Places limits on the amount of such credit for each of calendar years 2008 through 2012. Directs the Comptroller General of the United States to study and report to Congress on the effectiveness of such credit. Allows a tax deduction for expenditures related to endangered species recovery plans approved under the Endangered Species Act of 1973. Extends through 2010 the taxpayer election to expense (deduct in the current taxable year) expenditures made for environmental remediation (i.e., abatement or control of hazardous substances at contaminated sites).

S. 101 - Universal Service for Americans Act or USA Act - Amends the Communications Act of 1934 to require each communications service provider to contribute to support universal service and defines the basic rules for net neutrality.

H.R. 926 - Strengthening the Ownership of Private Property Act of 2007 or STOPP Act of 2007 - Prohibits federal financial assistance under defined federal economic development programs to a state or local government entity that uses the power of eminent domain to take property from a private entity and transfer ownership to another private entity. S. 2223 - Habitat and Land Conservation Act of 2007 - Amends the Internal Revenue Code to provide tax incentives for habitat conservation and restoration. Makes permanent the special rule allowing an enhanced tax deduction for individual and corporate charitable contributions of capital gain real property for conservation purposes. Allows certain landowners whose property contains the habitat of an endangered or threatened species and who enter into a habitat protection agreement a tax credit for costs and property losses relating to habitat protection easements and restoration. Places limits on the amount of such credit for each of calendar years 2008 through 2012. Directs the Comptroller General of the United States to study and report to Congress on the effectiveness of such credit. Allows a tax deduction for expenditures related to endangered species recovery plans approved under the Endangered Species Act of 1973. Extends through 2010 the taxpayer election to expense (deduct in the current taxable year) expenditures made for environmental remediation (i.e., abatement or control of hazardous substances at contaminated sites).

H.R. 3609 - Emergency Home Ownership and Mortgage Equity Protection Act of 2007 - Amends federal bankruptcy law governing a chapter 13 debtor to prohibit the holder of a claim in bankruptcy which is secured by debtor's principal residence from adding fees, costs, or charges while the case is pending, and removes the prohibition against modification of the rights of a holder of a claim secured only by an interest in real property that is the debtor's principal residence. S. 2133 - Home Owners' Mortgage and Equity Savings Act, or the HOMES Act - Amends federal bankruptcy law governing mortgage loans to authorize modification of a mortgage agreed to in writing by a debtor meeting specified requirements and the holder of a claim secured by an interest in real property initiated before September 26, 2007, that is the debtor's principal residence. Allows the principal amount of such a mortgage loan to be lowered to the fair market value, if less than such amount, of the real property securing the loan at the time of the submission of the debtor's plan for the payment of debts. Permits waiver of otherwise applicable early repayment or prepayment penalties. Permits, also, prohibition of, delay in, or voiding of any adjustments to the rate of interest in the case of an adjustable rate mortgage. S. 2136 - Helping Families Save Their Homes in Bankruptcy Act of 2007 - Amends federal bankruptcy law to permit a bankruptcy plan to: (1) modify a loan secured by the principal residence (mortgage) of a chapter 13 debtor (individual with regular income); and (2) provide for payment of such loan at a fixed annual percentage rate of interest, over a 30-year period.

H.R. 3915 - Mortgage Reform and Anti-Predatory Lending Act of 2007 - Title I: Residential Mortgage Loan Origination - Subtitle A: Licensing System for Residential Mortgage Loan Originators - Encourages the states, through the Conference of State Bank Supervisors and the American Association of Residential Mortgage Regulators, to establish a Nationwide Mortgage Licensing System and Registry (NMLSR) for the residential mortgage industry. H.R. 1427 - Federal Housing Finance Reform Act of 2007 - Amends the Housing and Community Development Act of 1992 (Act) to establish, in place of the present Office of Federal Housing Enterprise Oversight, a Federal Housing Finance Agency (FHFA). Requires loan limit adjustments for high-cost areas to: (1) the lesser of 150% of the foregoing limitation for a particular size residence; or (2) the amount equal to the median price in such area for such size residence. Applies such an adjustment only with respect to mortgages on which are based securities issued and sold by the corporation involved. Requires the Director to establish and manage an affordable housing fund to provide formula grants to increase homeownership for extremely low-and very low-income families. H.R. 1852 - Expanding American Homeownership Act of 2007 - Amends the National Housing Act to: (1) modify requirements governing the maximum principal loan obligation; (2) extend the mortgage term; and (3) revise requirements for cash downpayment by the mortgagor in the eligibility criteria for mortgage insurance, including mortgage insurance premiums for zero- and lower-downpayment borrowers who obtain a mortgage secured by a one- to four-family dwelling. Also includes and increase in FHA loan limits. H.R. 2895 - National Affordable Housing Trust Fund Act of 2007 - Amends the Cranston-Gonzalez National Affordable Housing Act to establish in the Treasury the National Affordable Housing Trust Fund (Fund). Declares that: (1) the Fund shall consist of certain amounts of the Federal National Mortgage Association and the Federal Home Loan Mortgage Corporation transferred to the Fund under specified law, including Federal Housing Administration (FHA) savings; and (2) all assistance provided from the Fund shall be considered to be federal financial assistance. H.R. 3221 - Housing bill which would increase FHA loan limits to $550,000 and increase the downpayment requirement for FHA to 3.5%. Would also include $150 billion in preforeclsoure counseling, and a $10 billion increase in mortgage revenue bonds. S. 1299 - Borrower's Protection Act of 2007 - Amends the Truth in Lending Act to deem a mortgage broker, in the case of a home mortgage loan, to have a fiduciary relationship with the consumer. Subjects each such mortgage broker to all federal and state requirements for fiduciaries. S. 2338 - FHA Modernization Act of 2007 - Title I: Building American Homeownership - Building American Homeownership Act of 2007 - (Sec. 102) Amends the National Housing Act to: (1) modify requirements for the maximum principal loan obligation, changing one element in the formula from 95% to 100% of the median one-family house price in the area; and (2) limit the principal loan obligation to 100% of the appraised value of the property. (Sec. 103) Amends the National Housing Act to revise eligibility criteria for cash down payment for Federal Housing Administration (FHA) mortgage insurance. Reduces such payment from the current 3% to 1.5% of the appraised value of the property. S. 2595 - The Secure and Fair Enforcement for Mortgage Licensing Act of 2008 would require licensing for loan originators on a national level as well as state level. RESPA Reform - Was lobbied on concerning a new proposed four-page (letter size) Good Faith Estimate (GFE) that would standardize the GFE and enhance the disclosure of loan terms, including: the initial interest rate and monthly payment, whether the interest rate and principal balance can increase and the maximum amount they can increase, whether the loan has a prepayment penalty and/or a baloon payment, the yield spread premium, if any, and the total estimated settlement charges. In conjunction with the proposed rule, HUD intends to seek legislative changes to RESPA that will require delivery of the HUD-1 to the borrower three days prior to closing, establish a uniform statute of limitations applicable to governmental and private actions under RESPA, and increase civil money penalties for specific RESPA sections and provide authority to HUD and State regulators to seek injunctive and equitable relief for violations of RESPA. Hope for Homeowners Act of 2008 - The HOPE for Homeowners Act of 2008" creates a new program within FHA to back FHA-insured mortgages to distressed borrowers. The program is built on five principles: 1. Long-term Affordability. The program is built on the idea, expressed by Federal Reserve Chairman Bernanke, that creating new equity for troubled homeowners is likely to be a more effective way to avoid foreclosures. New loans will be based on a familys ability to repay the loan, ensuring affordability and sustainable homeownership. 2. No investor or lender bailout. Investors and/or lenders will have to take significant losses in order to benefit from the proceeds of the loans refinanced with government insurance. However, these losses would be less than the losses associated with foreclosure. 3. No windfall for borrowers. Borrowers will share their new equity and future appreciation equally with FHA. Borrowers will pay for the FHA insurance. 4. Voluntary Participation. This will be a voluntary program. No servicers will be compelled to participate. 5. Restore confidence, liquidity, and transparency. Credit markets are fearful and frozen in part because banks and other financial institutions do not know what their subprime mortgages and related securities are worth. The uncertainty is forcing lenders to hoard capital and stop the lending necessary for economic growth. This program will create certainty and get markets flowing again. FHA Housing Stabilization & Homeownership Retention Act - Program would permit FHA to provide [up to $300 billion] in new guarantees that would help to refinance at-risk borrowers into viable mortgages. In exchange for the acceptance of a substantial write-down of principal, the existing lender or mortgage holder would receive a short payment from the proceeds of a new FHA loan if the restructured loan would result in terms that the borrower can reasonably be expected to pay. The existing lender or mortgage holder will have a cash payment and no further credit exposure to the borrower. This could potentially refinance between 1 and 2 million loans (and help these families stay in their homes), protect neighborhoods and help stabilize the housing market. Under the program, a borrower or existing loan servicer of an eligible loan would contact an FHA-approved lender, who would determine the size of a loan that would be consistent with the requirements of the program and that the borrower could reasonably repay. If the current lender or mortgage holder agrees to a write-down that is sufficient to meet the requirements of the program and make the new loan affordable, the FHA-lender will pay off the discounted existing mortgage. In addition to a first lien, the program gives the government a soft second lien to help defer the governments costs and prevent unjust enrichment (e.g., borrower flipping). When the borrower sells the home or refinances the loan, the borrower will pay from any profits the higher of (1) an ongoing exit fee equal to 3 percent of the original FHA loan balance; or (2) a declining percentage of any profits (e.g., from 100 percent in year one to 20 percent in year five and 0 thereafter). After year five only the 3 percent exit fee will apply. Federal Reserve's Proposed Rule; Docket No. R-1305. The Board proposes to amend Regulation Z, which implements the Truth in Lending Act and Home Ownership and Equity Protection Act. The goals of the amendments are to protect consumers in the mortgage market from unfair, abusive, or deceptive lending and servicing practices while preserving responsible lending and sustainable homeownership; ensure that advertisements for mortgage loans provide accurate and balanced information and do not contain misleading or deceptive representations; and provide consumers transaction-specific disclosures early enough to use while shopping for a mortgage.

H.R. 1677 - Taxpayer Protection Act of 2007 - Amends Internal Revenue Code provisions relating to tax administration and taxpayer protections including an alternative procedure for furnishing a non-foreign affidavit in connection with the sale of a U.S. real property interest. H.R. 1147 - REIT Investment Diversification and Empowerment Act of 2007 - Amends Internal Revenue Code provisions relating to real estate investment trusts (REITs) to: (1) treat passive foreign exchange gains attributable to overseas real estate investment as qualifying REIT income; (2) increase from 20 to 25% the maximum value of a REIT's total assets than may be represented by securities of one or more taxable REIT subsidiaries; (3) revise safe harbor rules for the excise tax penalty on certain REIT sales activities; (4) treat rental payments made by a health care facility to a REIT as qualifying REIT income; and (5) treat income from, and interests in, foreign-qualified REITs as qualifying REIT income and assets. H.R. 1813 - Amends the Internal Revenue Code to make permanent the tax deduction for mortgage insurance premiums. H.R. 1850 - Housing America's Workforce Act - Amends the Internal Revenue Code to allow employers a business tax credit for up to 50 percent of the qualified housing expenses paid for the benefit of their employees. Defines "qualified housing expenses" to include homeownership assistance and rental assistance. Limits the amount of such credit to the lesser of $10,000 or six percent of an employee's home purchase price, or up to $2,000 for rental assistance. Excludes from employee gross income the value of employer-paid housing assistance. H.R. 2014 - Leasehold Improvement Depreciation Act of 2007 - Amends the Internal Revenue Code to: (1) make permanent the accelerated depreciation of qualified leasehold improvement property (i.e., a 15-year recovery period); and (2) modify the rule for determining the adjustment to earnings and profits for depreciation of such property. H.R. 2419 - Farm Bill Extension Act of 2007 - includes a provision that would catagorize what is considered a "like-kind" exchange under IRS section 1031. It would prohibit as like-kind the exchange of improved property for non-improved farm land. H.R. 2834 - Amends the Internal Revenue Code to treat as ordinary income income received by a partner from an investment services partnership interest; also known as carried interest. H.R. 3221 - Housing bill which includes a $7000 tax rebate for homeowners who purchase a foreclosed home as well as a provision that allows for carryback losses in taxes. H.R. 5643 - First-Time Homebuyers' Tax Credit Act of 2008 - Amends the Internal Revenue Code to allow an income-based, one-time refundable tax credit for first-time homebuyers of ten percent of a principal residence's purchase price ($3,000 maximum credit, $6,000 maximum credit for joint filers). H.R. 5565 - Amends the Internal Revenue Code to allow purchasers of a single-family principal residence a one-time tax credit for up to $15,000 of the purchase price. Requires such a residence to be purchased after February 29, 2008, and before March 1, 2009, and that it be: (1) a new previously unoccupied residence for which a building permit has been issued and construction began on or before September 1, 2007; (2) an owner-occupied residence with a mortgage indebtedness in default on or before March 1, 2008; or (3) in foreclosure and owned by the mortgagor or the mortgagor's agent. S. 1078 - Housing America's Workforce Act - Amends the Internal Revenue Code to allow employers a business tax credit for up to 50 percent of the qualified housing expenses paid for the benefit of their employees. Defines "qualified housing expenses" to include homeownership assistance and rental assistance. Limits the amount of such credit to the lesser of $10,000 or six percent of an employee's home purchase price, or up to $2,000 for rental assistance. Excludes from employee gross income the value of employer-paid housing assistance. S. 1361 - Leasehold Improvement Depreciation Act of 2007 - Amends the Internal Revenue Code to: (1) make permanent the accelerated depreciation of qualified leasehold improvement property (i.e., a 15-year recovery period); and (2) modify the rule for determining the adjustment to earnings and profits for depreciation of such property. S. 1416 - Amends the Internal Revenue Code to make permanent the tax deduction for mortgage insurance premiums. S. 1624 - Amends the Internal Revenue Code to treat as corporations for income tax purposes certain publicly traded partnerships which directly or indirectly derive income or gain from providing services as an investment adviser (as defined by the Investment Advisers Act of 1940) or asset management services. S. 1988 - First-Time Homebuyers' Tax Credit Act of 2007 - Amends the Internal Revenue Code to allow an income-based, one-time refundable tax credit for first-time homebuyers of ten percent of a principal residence's purchase price ($3,000 maximum credit, $6,000 maximum credit for joint filers). S. 2566 - Amends the Internal Revenue Code to allow purchasers of a single-family principal residence a one-time tax credit for up to $15,000 of the purchase price. Requires such a residence to be purchased after February 29, 2008, and before March 1, 2009, and that it be: (1) a new previously unoccupied residence for which a building permit has been issued and construction began on or before September 1, 2007; (2) an owner-occupied residence with a mortgage indebtedness in default on or before March 1, 2008; or (3) in foreclosure and owned by the mortgagor or the mortgagor's agent.

H.R. 111 - Community Choice in Real Estate Act - Amends the Bank Holding Company Act of 1956 to prohibit the Federal Reserve System and the Secretary of the Treasury from determining that real estate brokerage activity or real estate management activity is financial in nature. H.R. 698 - Industrial Bank Holding Company Act of 2007 - Amends the Federal Deposit Insurance Act (FDIA) to apply the bank share or asset acquisition requirements of the Bank Holding Company Act of 1956 to any company that is or would become an industrial bank holding company. H.R. 2061 - Predatory Mortgage Lending Practices Reduction Act - Amends the Real Estate Settlement Procedures Act of 1974 to prohibit any person, in connection with a subprime federally related mortgage loan, from providing mortgage lending services or mortgage brokerage services unless such person is certified by the Secretary of Housing and Urban Development as having been adequately trained with regard to subprime lending. S. 413 - Community Choice in Real Estate Act - Amends the Bank Holding Company Act of 1956 to prohibit the Federal Reserve System and the Secretary of the Treasury from determining that real estate brokerage activity or real estate management activity is financial in nature. S. 1100 - Federal Housing Enterprise Regulatory Reform Act of 2007 - Amends the Federal Housing Enterprises Financial Safety and Soundness Act of 1992 to establish in lieu of the Office of Federal Housing Enterprise Oversight of the Department of Housing and Urban Development (HUD), an independent Federal Housing Enterprise Regulatory Agency, headed by a Director, which shall have authority over: the Federal Home Loan Banks, the Finance Facility, the Federal National Mortgage Association (Fannie Mae), and the Federal Home Loan Mortgage Corporation (Freddie Mac). S. 1356 - Industrial Bank Holding Company Act of 2007 - Amends the Federal Deposit Insurance Act (FDIA) to apply the bank share or asset acquisition requirements of the Bank Holding Company Act of 1956 to any company that is or would become an industrial bank holding company.

H.R. 91 - Homeowners Insurance Protection Act of 2007 - Instructs the Secretary of the Treasury to establish the National Commission on Catastrophe Preparation and Protection to advise the Secretary regarding estimated loss costs associated with contracts for reinsurance coverage. H.R. 3121 - Flood Insurance Reform and Modernization Act of 2007 - (Sec. 3) Directs the Comptroller General to study and report to Congress on: (1) the flood insurance coverage status of pre-FIRM properties; and (2) assess the impact, effectiveness, and feasibility of amending the Flood Disaster Protection Act of 1973 regarding properties subject to the mandatory flood insurance purchase requirement for a natural 100-year floodplain, and possible extension of such requirement to properties securing nonfederally related loans. H.R. 3959 - Amends the National Flood Insurance Act of 1968 (Act) to provide for phased-in actuarial premium rates for recently purchased pre-FIRM single family properties used as a principal residence and purchased for at least $600,000. C.A.R. opposes H.R. 3959. S 2284 - Flood Insurance Reform and Modernization Act of 2007 - (Sec. 4) Amends the National Flood Insurance Act of 1968 (Act) to extend the national flood insurance program (Program) though FY2013.

H.R. 365 - Methamphetamine Remediation Research Act of 2007 - Directs the Administrator of the Environmental Protection Agency to establish voluntary guidelines, based on the best currently available scientific knowledge, for the remediation of former methamphetamine laboratories.

H.R. 568 - Reverse Mortgages to Help America's Seniors Act - Amends the National Housing Act to remove the aggregate and insurance benefit limitations on the number of home equity conversion (reverse) mortgages for elderly homeowners that may be insured by the Federal Housing Administration (FHA).

H.R. 2132 - Small Business Health Plans - To amend the Public Health Service Act to establish a small business health benefits program.

H.R. 91 - Homeowners Insurance Protection Act of 2007 - Instructs the Secretary of the Treasury to establish the National Commission on Catastrophe Preparation and Protection to advise the Secretary regarding estimated loss costs associated with contracts for reinsurance coverage.

H.R. 644 - Brownfields Redevelopment Enhancement Act - Amends the Housing and Community Development Act of 1974 to authorize the Secretary of Housing and Urban Development to make grants (without certain otherwise-required loan guarantees) to eligible public entities and Indian tribes to assist in the environmental cleanup and economic development of brownfield sites including mine-scarred lands.

H.R. 111 - Community Choice in Real Estate Act - Amends the Bank Holding Company Act of 1956 to prohibit the Federal Reserve System and the Secretary of the Treasury from determining that real estate brokerage activity or real estate management activity is financial in nature.

H.R. 551 - Home Ownership for America's Veterans Act of 2007 - Amends the Internal Revenue Code to extend the eligibility period of veterans for mortgage financing and requires annual inflation adjustments after 2010 to limits on state veteran bond amounts.

H.R. 365 - Methamphetamine Remediation Research Act of 2007 - Directs the Administrator of the Environmental Protection Agency to establish voluntary guidelines, based on the best currently available scientific knowledge, for the remediation of former methampehtamine laboratories. H.R. 644 - Brownfields Redevelopment Enhancement Act - Amends the Housing and Community Development Act of 1974 to authorize the Secretary of Housing and Urban Development to make grants (without certain otherwise-required loan guarantees) to eligible public entities and Indian tribes to assist in the environmental cleanup and economic development of brownfield sites including mine-scarred lands. H.R. 1917 - Species Rescue Act - Amends the Endangered Species Act of 1973 to provide for expedited consultation and conferencing (within 60 days of the date on which initiated) with respect to impacts on endangered or threatened species of federal agency flood control actions. H.R. 2530 - Endangered Species Compliance and Transparency Act of 2007 - Requires the Administrators of the Bonneville Power Administration, the Western Area Power Administration, the Southwestern Power Administration, and the Southeastern Power Administration to provide: (1) estimates of each customer's share of each Administration's direct and indirect costs for compliance with the Endangered Species Act of 1973 in monthly billing statements; and (2) an annual report estimating such costs (on a project-by-project basis for the Western Area Power Administration and on a system-wide basis for the other Administrations) to the House Committee on Resources and the Senate Committee on Environment and Public Works. S. 635 - Methamphetamine Remediation Research Act of 2007 - Directs the Administrator of the Environmental Protection Agency to establish voluntary guidelines, based on the best currently available scientific knowledge, for the remediation of former methampehtamine laboratories. S. 658 - Endangered Species Reform Act of 2007 - Amends the Endangered Species Act of 1973 to require the Secretary of the Interior to use data that are empirical or have been field-tested or peer-reviewed in any case in which such Act requires the Secretary to use the best scientific and commercial data available in the determination of a species for inclusion on the endangered or threatened species list.

H.R. 926 - Strengthening the Ownership of Private Property Act of 2007 or STOPP Act of 2007 - Prohibits federal financial assistance under defined federal economic development programs to a state or local government entity that: (1) uses the power of eminent domain to take property from a private entity and transfer ownership to another private entity; or (2) fails to provide, to any person displaced by the use of eminent domain for any economic development purpose, relocation assistance under the Uniform Relocation Assistance and Real Property Acquisition Policies Act of 1970. Excepts from the first clause property taken for: (1) use by a public utility; (2) a road open to the public or common carriers; (3) an aqueduct, pipeline, or similar use; (4) a prison or hospital; or (5) any use during and in relation to a national emergency or national disaster declared by the President. H.R. 2316 - Honest Leadership and Open Government Act of 2007 - Prohibits a Member, Delegate, or Resident Commissioner (Member) from directly negotiating or having any agreement of future employment or compensation until after the election for his or her successor, unless such Member files a statement about such negotiations or agreement with the Committee on Standards of Official Conduct within three business days after their commencement. Amends the Lobbying Disclosure Act of 1995 (LDA) to require: (1) quarterly instead of semiannual filing of lobbying disclosures reports; (2) electronic filing; (3) disclosure of registered lobbyist on contributions; and (4) disclosure by registered lobbyists of all past executive and congressional employment. Declares that information on a member of a coalition or association need not be included in any registration if the amount reasonably expected to be contributed by such member toward the coalition's or association's legislation-influencing activities is less than $500 during the quarterly period during which such registration would be made. H.R. 2317 - Lobbying Transparency Act of 2007 - Amends the Lobbying Disclosure Act of 1995 to require a registered lobbyist who bundles two or more contributions made (in an aggregate amount exceeding $5,000) to a covered recipient during a quarterly period to: (1) file a quarterly report with the Secretary of the Senate and the Clerk of the House of Representatives; and (2) notify the covered recipient by certified mail before filing such report. S. 48 - Private Property Rights Protection Act - Makes ineligible for federal funds any condemning authority or acquiring party that engages or participates in a taking or condemnation of any real property interest not for a public use or public purpose using the power of eminent domain, without the owner's consent. Requires any entity applying for federal funds to certify eligibility. Allows the Commissioner of the Internal Revenue Service (IRS) to audit any condemning authority or acquiring party that has made such a certification. S. 101 - Universal Service for Americans Act or USA Act - Amends the Communications Act of 1934 to require each communications service provider to contribute to support universal service and defines the basic rules for net neutrality. S. 215 -Internet Freedom Preservation Act - Amends the Communications Act of 1934 to establish certain Internet neutrality duties for broadband service providers (providers), including not interfering with, or discriminating against, the ability of any person to use broadband service in a lawful manner. Allows providers to engage in activities in furtherance of certain management and business-related practices, such as protecting network security and offering consumer protection services such as parental controls. S. 495 - Personal Data Privacy and Security Act of 2007 - Enhances punishment for identity theft and other violations of data security and sets requirements for data brokers on what a breach is and proper notification responses to a breach are. S . 1178 - Identity Theft Prevention Act - Requires any commercial entity or charitable, educational, or nonprofit organization that acquires, maintains, or uses sensitive personal information (covered entity) to develop, implement, maintain, and enforce a written program, containing administrative, technical, and physical safeguards, for the security of sensitive personal information it collects, maintains, sells, transfers, or disposes of. Trigger Lists - Trigger lists are generated when a credit inquiry is made, usually upon application for a mortgage or other credit product. The credit reporting bureaus compile information (prescreening) and sell it to other lenders or lead generators who then use it to contact consumers with solicitations. The process is permitted under the Fair Credit Reporting Act as long as a “firm offer of credit” can be made. H.R. 1685 -Data Security Act of 2007 - Prescribes security procedures for an entity that maintains or communicates sensitive information must implement in order to protect the information from an unauthorized use likely to result in substantial harm or inconvenience to the consumer.

H.R. 111 - Community Choice in Real Estate Act - Amends the Bank Holding Company Act of 1956 to prohibit the Federal Reserve System and the Secretary of the Treasury from determining that real estate brokerage activity or real estate management activity is financial in nature. H.R. 698 - Industrial Bank Holding Company Act of 2007 - Amends the Federal Deposit Insurance Act (FDIA) to apply the bank share or asset acquisition requirements of the Bank Holding Company Act of 1956 to any company that is or would become an industrial bank holding company. H.R. 1996 - Preservation of Federalism in Banking Act - Amends the Revised Statutes of the United States and the Home Owners' Loan Act to declare applicable to either a national bank or federal savings association any consumer protection in state consumer law of general application (including unfair or deceptive acts or practices, consumer fraud law and repossession, foreclosure, and collection). H.R. 2061 - Predatory Mortgage Lending Practices Reduction Act - Amends the Real Estate Settlement Procedures Act of 1974 to prohibit any person, in connection with a subprime federally related mortgage loan, from providing mortgage lending services or mortgage brokerage services unless such person is certified by the Secretary of Housing and Urban Development as having been adequately trained with regard to subprime lending. S. 413 - Community Choice in Real Estate Act - Amends the Bank Holding Company Act of 1956 to prohibit the Federal Reserve System and the Secretary of the Treasury from determining that real estate brokerage activity or real estate management activity is financial in nature. S. 1100 - Federal Housing Enterprise Regulatory Reform Act of 2007 - Amends the Federal Housing Enterprises Financial Safety and Soundness Act of 1992 to establish in lieu of the Office of Federal Housing Enterprise Oversight of the Department of Housing and Urban Development (HUD), an independent Federal Housing Enterprise Regulatory Agency, headed by a Director, which shall have authority over: the Federal Home Loan Banks, the Finance Facility, the Federal National Mortgage Association (Fannie Mae), and the Federal Home Loan Mortgage Corporation (Freddie Mac). S. 1222 - Stopping Mortgage Transactions which Operate to Promote Fraud, Risk, Abuse and Underdevelopment Act, or the STOP FRAUD Act - Amends federal criminal law to make it unlawful for any mortgage professional to: (1) defraud any natural person or financial institution regarding an offer of consumer credit secured by an interest either in real property or in personal property used as a principal dwelling; or (2) falsely obtain money or property from a natural person in connection with an extension of consumer credit secured by an interest in such property. S. 1299 - Borrower's Protection Act of 2007 - Amends the Truth in Lending Act to deem a mortgage broker, in the case of a home mortgage loan, to have a fiduciary relationship with the consumer. Subjects each such mortgage broker to all federal and state requirements for fiduciaries. S. 1356 - Industrial Bank Holding Company Act of 2007 - Amends the Federal Deposit Insurance Act (FDIA) to apply the bank share or asset acquisition requirements of the Bank Holding Company Act of 1956 to any company that is or would become an industrial bank holding company.

H.R. 391 - Authorizes the Secretary of Housing and Urban Development to continue, until February 15, 2007, to insure, and to enter into commitments to insure, home equity conversion mortgages for elderly homeowners under the National Housing Act, without regard to the maximum aggregate number of mortgages insured or maximum dollar amount of insurance benefits specified in such Act. H.R. 1427 - Federal Housing Finance Reform Act of 2007 - Amends the Housing and Community Development Act of 1992 (Act) to establish, in place of the present Office of Federal Housing Enterprise Oversight, a Federal Housing Finance Agency (FHFA). Requires loan limit adjustments for high-cost areas to: (1) the lesser of 150% of the foregoing limitation for a particular size residence; or (2) the amount equal to the median price in such area for such size residence. Applies such an adjustment only with respect to mortgages on which are based securities issued and sold by the corporation involved. Requires the Director to establish and manage an affordable housing fund to provide formula grants to increase homeownership for extremely low-and very low-income families. H.R. 1851 - Section 8 Voucher Reform Act of 2007 - Amends the United States Housing Act of 1937 to revise requirements for public housing agency inspections of each dwelling unit for which a housing assistance payment contract is established. Requires an initial inspection before any assistance payment is made. Allows such payments if failure to meet standards is a result only of non-life threatening conditions. H.R. 1852 - Expanding American Homeownership Act of 2007 - Amends the National Housing Act to: (1) modify requirements governing the maximum principal loan obligation; (2) extend the mortgage term; and (3) revise requirements for cash downpayment by the mortgagor in the eligibility criteria for mortgage insurance, including mortgage insurance premiums for zero- and lower-downpayment borrowers who obtain a mortgage secured by a one- to four-family dwelling. S. 427 - Affordable Housing Expansion and Public Safety Act - Instructs the Secretary of Housing and Urban Development (Secretary) to provide an additional 100,000 incremental vouchers for tenant-based rental housing assistance under the Section 8 Housing Choice Voucher Program in FY2008. S. 947 - 21st Century Housing Act - Amends the Housing Act of 1948 to authorize the Secretary of Housing and Urban Development (HUD), in carrying out any program through the Federal Housing Administration (FHA) to: (1) appoint and fix the compensation of Administration personnel; and (2) use premium-generated income for information technology upgrades. H.R. 568 - Reverse Mortgages to Help America's Seniors Act - Amends the National Housing Act to remove the aggregate and insurance benefit limitations on the number of home equity conversion (reverse) mortgages for elderly homeowners that may be insured by the Federal Housing Administration (FHA).

H.R. 2132 - Small Business Health Plans - To amend the Public Health Service Act to establish a small business health benefits program.

H.R. 1065 - Nonadmitted and Reinsurance Reform Act of 2007 - Prohibits any state other than the home state of an insured from requiring a premium tax payment for nonadmitted insurance. H.R. 1682 - Flood Insurance Reform and Modernization Act of 2007 - Instructs the Comptroller General to study and report to Congress on: (1) the status of the national flood insurance program for specified pre-FIRM properties (containing a structure neither constructed nor substantially improved after the later of December 31, 1974, or the effective date of the initial rate map published by the Director of the Federal Emergency Management Agency (FEMA) under the National Flood Insurance Act of 1968 (NFIA) for the pertinent area); (2) the extension of mandatory flood insurance coverage purchase requirements to properties located in any area that would be designated as having special flood hazards but for the existence of a structural flood protection system; and (3) the mandatory purchase requirement in connection with non-federally related loans. H.R. 2761 - To extend the Terrorism Insurance Program of the Department of the Treasury, and for other purposes. S. 74 - High Risk Protection Act - Requires amounts appropriated to the Department of Homeland Security (DHS) for the Urban Area Security Initiative Grant Program to be allocated based solely on risk (which shall include an evaluation of threats, vulnerabilities, and consequences and consideration of any previous terrorist attacks). S. 928 - Homeowners Protection Act of 2007 - Directs the Secretary of the Treasury to establish the National Commission on Catastrophe Preparation and Protection to advise the Secretary regarding: (1) estimated loss costs associated with the contracts for reinsurance coverage; and (2) development of prevention, mitigation, recovery, and rebuilding standards that better prepare and protect the United States from catastrophes. S. 929 - Nonadmitted and Reinsurance Reform Act of 2007 - Prohibits any state other than the home state of an insured from requiring a premium tax payment for nonadmitted insurance. S. 1061 - Homeowners' Insurance Noncoverage Disclosure Act - Requires state-registered insurance companies to include on the front or first page of each individual homeowner's policy a noncoverage disclosure box that restates in plain English all conditions, exclusions, and other limitations pertaining to coverage under that policy. H.R. 91 - Homeowners Insurance Protection Act of 2007 - Instructs the Secretary of the Treasury to establish the National Commission on Catastrophe Preparation and Protection to advise the Secretary regarding estimated loss costs associated with contracts for reinsurance coverage.

H.R. 8/ S. 420 - Death Tax Repeal Permanency Act of 2005 would make the provisions of the Economic Growth and Tax Relief Reconciliation Act of 2001 concerning the repeal of the Federal estate tax and generation-skipping transfer tax (Death Tax/Estate Tax) permanent. H.R. 25/S. 1921 - Fair Tax Act of 2005 - Repeals the income tax, employment tax, and estate and gift tax. Redesignates the Internal Revenue Code of 1986 as the Internal Revenue Code of 2005. Imposes a national sales tax on the use or consumption in the United States of taxable property or services. H.R. 453 - Home Lead Safety Tax Credit Act of 2005 - Amends the Internal Revenue Code to provide owners of residential properties built in the United States before 1978 a tax credit for lead-based paint abatement costs performed by a certified lead abatement contractor. Limits the amount of such credit to 50 percent of the cost of the abatement, not to exceed $1,500 per dwelling unit. H.R. 1010/S. 580 - Amends the Internal Revenue Code to permit certain amendments, waivers, or other modifications to mortgages held by a Real Estate Mortgage Investment Conduit (REMIC) or a Grantor Trust without disqualifying such mortgages as REMIC or Grantor Trust mortgages. Permits amendments, waivers, or modifications that do not extend the final maturity date of a mortgage, increase the outstanding balance of the mortgage, result in the release of an interest in real property securing the mortgage, or result in an instrument or property right which is not debt for Federal income tax purposes. H.R. 1549/S. 859 - Renewing the Dream Tax Credit Act amends the Internal Revenue Code to allow homebuilders and investors a general business tax credit for building or substantially rehabilitating residences for low and moderate-income individuals in certain areas, including a rural area, an Indian reservation, or an area of chronic economic distress. H.R. 1663/S. 621 - would both amends the Internal Revenue Code to make permanent the 15-year recovery period for the depreciation of qualified leasehold improvement property (property held and improved by a lessor). H.R. 2668/ S. 3116 - Policyholder Disaster Protection Act of 2005 amends the Internal Revenue Code to allow insurance companies (other than life insurance companies) to make tax deductible contributions to a tax-exempt policyholder disaster protection fund established by this Act for the payment of policyholders' claims arising from certain catastrophic events, such as windstorms, earthquakes, fires, or floods. H.R. 2980/ H.R. 3268- Eminent Domain Relief Act amends the Internal Revenue Code to allow the non-recognition of gain from the involuntary conversion (by eminent domain) of taxpayer property. Exempts such taxpayer from certain tax rules for involuntary conversions, including the requirement that the condemned property be converted into similar property within a specified two-year period. H.R. 3098/S. 132 - Mortgage Insurance Fairness Act of 2005 amends the Internal Revenue Code to allow a tax deduction for mortgage insurance premiums. Reduces the amount of such deduction for taxpayers with adjusted gross incomes exceeding $100,000. H.R. 4128/S. 1895 - Private Property Rights Protection Act would make ineligible for federal funds any condemning authority or acquiring party that engages or participates in a taking or condemnation of any real property interest not for a public use or public purpose using the power of eminent domain, without the owner's consent. It would also allow a property owner who is notified that his or her property will be taken to file for and attach a Fifth Amendment property protection statement (PPS) indicating that the condemning entity is exceeding its authority. H.R. 4297/ S. 2020 - Tax Relief Act of 2005 were tax reconciliation bills. Included in these bills were real estate related tax provisions concerning: a one-year trial for specific mortgage insurance premium deductions, a one-year extension for brownfield tax deductions, a one-year extension for leasehold improvement property 15-year recovery period for depreciation, extensions and changes to qualified mortgage veteran bonds, and a one-year adjustment for the alternative minimum tax. H.R. 5638/ H.R. 5970 - Permanent Estate Tax Relief Act of 2006 would allow for estates under $5 million ($10 million for couples) to be exempt from the estate tax. Estates that are over $5 million but below $25 million would be taxed at the same rate as capital gains, currently 15%. Estates that are over $25 million would be taxed at double the capital gains rate, currently 30%. H.R. 3194/S. 1330 - Both bills would give employers a tax credit of up to 50 percent of $10,000 or 6% of the purchase price of the employee's principle residence (whichever is less). H.R. 6111 - The Tax Relief and Healthcare Act of 2006 included extensions to Internal Revenue Codes that included, leasehold improvements deductible and amortized over 15-years, Brownfield improvement deductions, and a mortgage insurance premium deduction. S. 1883 - Empowering More Property Owners With Enhanced Rights Act of 2005 would amend the Uniform Relocation Assistance and Real Property Acquisition Policies Act of 1970 to require a federal agency when acquiring real property to provide to a property owner with: (1) at the beginning of the negotiation process, the current contact information for the Office of the Property Rights Ombudsperson; (2) a description of available mediation and other dispute resolution alternatives; and (3) in specified cases, a copy of the appraisal. Downpayment Assistance Programs - Have contacted members of Congress and staff at Internal Revenue Service (IRS) concerning their May 4, 2006 ruling that organizations that provide seller-funded downpayment assistance to buyers cannot qualify as tax-exempt organizations. In order to qualify the programs must be properly structured and operated under the rules the IRS has set for not-for-profit organizations. Employee Housing Downpayment Assistance - Have contacted staff/members of Congress about the possibility of introducing legislation that would allow for employee housing downpayment assistance programs that would give employers an incentive to provide their employees with housing downpayment assistance and make the downpayment assistance tax-free to the employees. Tax Reform - Have contacted members of Congress concerning the President's Advisory Panel on Federal Tax Reform report, which was issued on November 1, 2005. Discussions were about the Real Estate related concerns, such as the mortgage interest deduction, home equity lines of credit, and state/local tax deductions. These issues have been addressed in conjunction with discussions concerning the Alternative Minimum Tax (AMT). House Concurrent Resolution 272 - Expresses support for the current standards of the mortgage interest tax deduction under the Internal Revenue Code and opposition to the initial recommendation of the President's Advisory Panel on Federal Tax Reform to limit such deduction. FIRPTA Changes - Have contacted members of Congress concerning changing the provisions in the Foreign Investment Real Property Tax Act (FIRPTA) to allow a seller of property to provide the information required by FIRPTA to escrow or another settlement provider as an alternative to providing that information to the buyer.

H.R. 3665 - Veterans Housing and Employment Improvement Act of 2005 amends federal veterans' benefits provisions to authorize the Secretary of Veterans Affairs to assist certain disabled veterans who are residing temporarily in housing owned by the veteran's family member in acquiring adaptations necessitated by such disability. H.R. 2952 - American Veterans Homeownership Act of 2005 amends the Internal Revenue Code to revise the definition of qualified veteran for purposes of the veterans' mortgage bond program to include all veterans who served on active duty regardless of date of service, allow veterans to apply for financing under such bond program up to 25 years after the end of their active duty, and revise volume limitations applicable to the issuance of such bonds in certain states. H.R. 4264 - Veterans Outreach Improvement Act of 2005 would amend title 38 of the United States Code to improve outreach activities of the Department of Veterans Affairs.

H.R. 1139/S. 1350 - Wireless 411 Privacy Act would amend the Communications Act of 1934 to prohibit a provider of commercial mobile services, or any affiliate or agent of such provider (provider), from including the wireless telephone number of any current subscriber in any wireless directory assistance service (WDAS) database unless the provider: (1) provides a conspicuous, separate notice to the subscriber of the right not be listed in any WDAS; and (2) obtains express prior listing authorization from such subscriber, and that authorization has not been withdrawn. H.R. 1360/ S. 852 - Fairness in Asbestos Injury Resolution Act of 2005 or FAIR Act of 2005 establishes within the Department of Labor the Office of Asbestos Disease Compensation responsible for processing claims for compensation for asbestos-related injuries and managing the Asbestos Injury Claims Resolution Fund to create a fair and efficient system to resolve claims of victims for bodily injury caused by asbestos exposure, and for other purposes. H.R. 1069/ H.R. 3997/ H.R. 4127/ H.R. 5318/ S. 115/ S. 751/ S. 1216/ S. 1408/ S. 1594/ S. 1789 - Data Accountability and Trust Act would protect consumers by requiring reasonable security policies and procedures to protect computerized data containing personal information, and to provide for nationwide notice in the event of a security breech. There is also a concern due to the fact that the law would pre-empt current California State law. H.R. 4128/S. 1704/S.1895 - Private Property Rights and Protection Act of 2005 states that no State or political subdivision of a State can receive Federal economic development funds during a fiscal year where they use their power of eminent domain to take away private property to be used or to be subsequently used for economic development. H.R. 5252/S. 2686 - Internet and Universal Service Act of 2006 would require each communications service provider to contribute to support universal service (the provision of communications service in rural, insular, and high-cost areas). Outlines requirements for distribution of universal service support to eligible communications carriers. Establishes a Broadband for Unserved Areas Account. Included in this is the debate over the issue of "net neutrality". H.R. 3631 - The Eminent Domain Limitation Act of 2005 would make it so states will be ineligible to receive any federal funds for use of eminent domain when used for economic development and that states must show all other alternatives were exhausted.

H.R. 846 - Homeowners' Insurance Availability Act of 2005 creates a reinsurance coverage program available only through contracts for reinsurance coverage purchased at regional auctions. Establishes a Disaster Reinsurance Fund and a National Commission on Catastrophe Risks and Insurance Loss Costs. H.R. 804 - Amends the National Flood Insurance Act of 1968 to declare that assistance provided under a program for flood mitigation activities with respect to a property shall not be considered income or a resource of the owner of the property when determining eligibility for or benefit levels under any income assistance or resource-tested program that is funded in whole or in part by a federal agency or by appropriated federal funds. H.R. 4366 - Homeowners Insurance Protection Act of 2005 instructs the Secretary of the Treasury to establish the National Commission on Catastrophe Preparation and Protection to advise the Secretary regarding estimated loss costs associated with contracts for reinsurance coverage. Authorizes the Secretary to make homeowners protection coverage available through contracts for reinsurance coverage. Restricts purchase of such coverage to eligible state programs. Prescribes criteria for state eligibility. Establishes the Consumer Hurricane, Earthquake, Loss Protection (HELP) Fund to pay for payments to covered purchasers under contracts for reinsurance coverage for eligible losses, as well as Commission operating costs and reinsurance program administrative expenses. H.R. 4973/ S. 3589 - Flood Insurance Reform and Modernization Act of 2006 would increase the borrowing authority of the National Flood Insurance Program (NFIP) to $25 Billion, increase the coverage limits for residential flood insurance from $250,000 (structure) and $100,000 (contents) to $335,000/$135,000, increase coverage on non-residential properties from $500,000 to $670,000, increase amount FEMA can raise premiums annually from 10% to 15%, review the nation’s flood maps (including mapping the 500-year floodplain), phase in actuarial rates for subsidized vacation homes, second homes, and non-residential properties, and extend the mitigation program for properties with severe repetitive losses. H.R. 5637 - Nonadmitted and Reinsurance Reform Act of 2006 would: 1) apply the regulatory authority of the insured's home state over non-admitted lines of coverage, and 2) allow the purchasers easier access to surplus/non-admitted lines of coverage by waiving state due diligence requirements. S. 467- Terrorism Risk Insurance Extension Act of 2005 would amend the Terrorism Risk Insurance Act of 2002 to extend the terrorism risk insurance program from 2005 through 2007. Extension of the Terrorism Risk Insurance Act (TRIA) - TRIA was set to expire on December 31, 2005 unless there was an extension passed by Congress. Due to the terrorist attacks, it became extremely difficult (if not impossible) for owners of commercial properties at risk to obtain insurance; many insurance companies began to insert terrorism exclusions into their insurance policies. The extension of this program meant that terrorism exclusions on existing insurance policies remained removed and all policyholders had the ability to secure coverage for terrorism risk.

H.R. 3824 - Threatened and Endangered Species Recovery Act of 2005 would amend the ESA of 1973 relating to determinations of endangered or threatened species, recovery plans for such species, and the role of states and private property owners in protecting such species. Letter concerning Endangered Species Delisting - C.A.R. was a signatory of a letter sent to the Department of the Interior concerning the encouragement to delist the Valley Elderberry Longhorn Beatle from the Endangered Species List.

H.R. 111/S. 98 - Community in Real Estate Act would prohibit financial holding companies and national banks from engaging, directly or indirectly, in real estate brokerage or real estate management activities. H.R. 1182 - Prohibit Predatory Lending Act would amend the Truth in Lending Act to impose restrictions and limitations on high-cost mortgages, to revise the permissible fees and charges on certain loans made, to prohibit unfair or deceptive lending practices, and to provide for public education and counseling about predatory lenders. H.R. 1295- Responsible Lending Act would protect consumers against unfair and deceptive practices in connection with higher cost mortgage transactions, strengthen the civil remedies available to consumers under existing law, provide for certain uniform lending standards, improve housing counseling, better mortgage servicing, enhance appraisal standards and oversight, and establish licensing and minimum standards for mortgage brokers. H.R. 5746 - Industrial Bank Holding Company Act of 2006 would require an industrial bank holding company to register and file certain reports with the Federal Deposit Insurance Corporation (FDIC) within ninety days after becoming an industrial bank holding company, prohibit such holding company from being controlled by a commercial firm, and grandfathers certain institutions to exempt them from the requirements of this Act. Comment Letter on Industrial Loan Company Applications - Comment letter was sent to Federal Deposit Insurance Corporation (FDIC) concerning their consideration for the application filed by Wal-Mart Stores and Home Depot to become an industrial loan company (ILC). Comment Letter on Nontraditional or Exotic Loans - Comment letter was sent to the Office of the Comptroller of the Currency (OCC) concerning nontraditional loans and if stated income should be allowed for underwriting as well as whether future income should be considered. If future income is considered in underwriting, how should it be done and will it only be allowed as a positive or also as a negative. The OCC was requesting comments on nontraditional loans and if they are becoming a risk to the economy as they are becoming easier to obtain and being offered to borrowers with a higher probable risk.

H.R. 525/ S. 1955 - A bill to amend title I of the Employee Retirement Security Act of 1974 and the Public Health Service Act to expand health care access and reduce costs through the creation of small business health plans and through modernization of the health insurance marketplace.

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

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

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

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

H.R. 2952, The American Veterans Homeownership Act, would allow more veterans to access home loans funded by QUALIFIED VETERANS' MORTGAGE BONDS.

The reauthorization by Congress of the Transportation Equity Act for the 21st Century, and short term funding resolutions to continue federal funding until the the reauthorization legislation is complete.

H.R. 1299, The Critical Habitat Enhancement Act, would give greater deference to economic considerations in the designation of critical habitat and to existing citizen and government efforts to protect and recover species.

The reauthorization by Congress of the Transportation Equity Act for the 21st Century for another six-years. Transportation legislation designed as a short term stop gap due to a failure by Congress to reauthorize the Transportation Equity Act for the 21st Century.

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

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

BRAC- Base Realignment and Closure

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

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

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

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

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

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

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

BRAC-Base Realignment and Closure

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

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

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

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

The reauthorization by Congress of the Transportation Equity Act for the 21st Century for another six-years. Transportation legislation designed as a short term stop gap due to a failure by Congress to reauthorize the Transportation Equity Act for the 21st Century.

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

H.R. 111 / S. 98 - Community Choice in Real Estate Act would ensure that banks would not be allowed to engage in the selling or direct purchasing of property. H.R. 1357 - Homeowners Emergency Assistance Act would restore home mortgage assistance through the FHA single-family mortgage insurance program. H.R. 1443 - Access to affordable Mortgages Act would change language in laws that allow for ARMs, so they state that ARMs are capped at 1% for terms of 3 years and under, as opposed to the current 5 years and under. S. 1928 - Predatory Lending Consumer Protection is a federal anti-predatory lending bill containing case-bycase review of a borrower's ability to repay the loan and no assignment of liability. H.R. 2575 Secondary Mortgage Market Enterprises Regulatory Improvement Act would amend the Homeowners' Loan Act to rename the Office of Thrift Supervision as the Office of Housing Finance Supervision, giving this office direct authority over Fannie Mae and Freddie Mac to ensure they are financially safe and adequately capitalized. H.R. 2803 - Housing Finance Regulatory Restructuring Act would establish the Office of Housing Finance Oversight in the Department of the Treasury to ensure the financial safety and soundness of Fannie Mae, Freddie Mac, and the Federal home loan banks. H.R. 284/ S. 595 - Housing Bond Fairness Act would rescind the sunset date on Mortgage Revenue Bonds, create a new qualifying system, and makes housing credit apartment production viable in rural areas. H.R. 975 - Bankruptcy Abuse Prevention and Consumer Protection Act would reform bankruptcy laws to force people with the ability to repay their debts to file under Chapter 13, where courts establish repayment plans, instead of Chapter 7, which erases debts. Federal Reserves' decision to implement the Basel II Accord, the purpose of which is to reduce risk exposure to global economic cycles and level the playing field for large international banks. This Accord would update the original Basel Capital Accord from 1988, which is outdated in today's economy. The U.S. Department of the Treasury is considering defining REALTORS as "Financial Institutions", in that it relates to the application of the anti-money laundering program of the USA PATRIOT Act. The Creation of a Federal Housing Authority sub-prime loan product for borrowers who would not meet traditional underwriting standards with respect to credit history; but meet the debt, income, and repayment ability standards. The proposed HUD rule to expand its offerings of adjustable rate mortgage products on FHA insured mortgages. The rule would create ARM products, the interest rate for 3-year and 5-year Arms cannot change by more than 1% for the life of the loan. For seven-year and 10-year ARMs, the Maximums are 2% annually and 6% for the life of the loan. Fannie Mae's and Freddie Mac's rule change that would boost interest rates or fees on cash-out refinancing that involve loans of more than 70% of a home's value, which could stop homeowners from tapping their equity. HUD's proposed rule on the Real Estate Settlement Procedures Act and its application.

H.R. 1500 - Would authroize a veteran to select an appraiser prior to the purchase of housing under a loan gauranteed by the Department of Veterans Affairs. S. 1584 - An appropriations bill for HUD/VA's Fiscal Year 2004 budget.

H.R. 1115/S. 274/S. 1751 - Class Action Fairness Act would give federal courts jurisdiction over class action cases that have national implications, and/or a majority of plaintiffs in multiple states. S. 1370 - Consumer Credit Score Disclosure Act would amend the Fair Credit Reporting Act to provide for disclosure of credit-scoring information by creditors and consumer reporting agencies. H.R. 1766 - National Uniform Privacy Standards Act would make permanent the provisions of the Fair Credit Reporting Act and amend the Gramm-Leach-Bliley Act to establish a national uniform privacy standard for financial institutions. H.R. 2622 - Fair & Accurate Credit Transaction Act would amend the Fair Credit Reporting Act, to prevent identity theft, improve resolution of consumer disputes, improve the accuracy of consumer records, make improvements in the use of, and consumer access to, credit information, and for other purposes. H.R. 728 - ADA Notification Act would require that businesses be given 90 days notice of a violation before they can be sued. S. 877 - CAN-SPAM Act would ensure that all unsolicited electronic e-mails contain correct factual information, present themselves as advertisement or marketing, and allow for the recipient to request not to receive any more. Federal Communications Commission rules and regulations implementing the Telephone Consumer Protection Act of 1991, FCC 03-153 that would create a national Do-Not-Call Registry Covering both interstate and intrastate phone calls.

S. 1373 - Insurance Consumer Protection. H.R. 1552 - Homeowners' insurance availability would implement a reinsurance coverage program for residential property losses to homes and the contents of apartment buildings, caused by "covered perils", available only through contracts for reinsurance coverage purchased at regional auctions. This would act as a federal backstop to help cover the cost of large natural disasters. S. 1768 - National Flood Insurance Program Reauthorization was a stop gap to extend the National Flood Insurance Program, until March 31, 2004. H.R. 253 - To amend the National Flood Insurance Act of 1968 to reduce losses to properties for which repetitive flood insurance claim payments have been made. H.R. 660 / S. 545 - Small Business Health Fairness Act would create federal regulations for Association Health Plans, allowing them to negotiate on behalf of their members for health benefits exempt from most state laws.

S. 1175 - First-Time Homebuyers' Tax Credit Act would allow first-time homebuyers to receive a tax credit of up to $3000 for individuals or $6000 for married couples. S. 1175 allows individuals or couples in the 25% or lower tax brackets to take a tax credit on the purchase of their principal residence. H.R. 1336/ S. 846 - Mortgage Insurance Fairness Act would Amend the IRS code of 1986 to classify mortgage insurance premiums as residence interest, allowing for it to be tax deductible. H.R. 1634/ S. 576 - Business Property Economic Revitalization Act would shorten the tax depreciation life, on non-residential property, from 39 years to 10years. S. 1918 - This bill would allow money given for the purpose of downpayment assistance to qualified organizations to be considered as charitable donations on tax returns. H.R. 22 The Individual and Small Business Tax Simplification Act of 2003 would amend the IRS Code to simplify certain provisions and establish a uniform pass-thru regime. H.R. 2896 - American Jobs Creation Act would reduce the depreciation period for leasehold improvements from 39 years to 15 years, and extend the 50% bonus depreciation until December 2005. H.R. 3521/ S. 1896 - Tax Relief Extension Act - These bills would extend a number of expiring tax provisions, including the brownfield clean up deduction. S. 597 - The bill would create tax incentives for property owners and landlords who made their properties more energy efficient. H.R. 666 - Mortgage Cancellation Relief Act would grant relief from the discharge of indebtedness rules for sales of residences. H.R. 839/ S. 875 - Renewing the Dream Tax Credit Act would allow develpers and investors who construct or rehabilitate housing for low- and moderate-income families for purchase to claim a tax credit up to 50% of the cost over a five-year period. The Jobs and Growth Tax Relief Reconciliation Act that was designed to provide tax cuts to individuals and to businesses as an incentive for greater investment and economic activity.

H.R. 2828 - Would help ensure the future water supply of California, also known as CALFED. Amending the Endangered Species Act and the Critical Habitat Designations, to give government agencies the discretion to delay the designation of critical habitat to the stage where a recovery plan is being prepared for an endangered species. The Federal Environmental Protection Agency and the U.S. Army Corps of Engineres published an advanced Notice of Proposed Rulemaking to clarify what kinds of wetlands are regulated under the Clean Water Act.

The Reauthorization by Congress of the Transportation Equity Act for the 21st Century for another six years. Transportation legislation designed as a short term stop gap due to a failure of Congress to reauthorize the Transportation Equity Act for the 21st Century.