January 7, 2009 CONGRESSIONAL RECORD — HOUSE H51 

PUBLICATION OF THE RULES OF 

THE COMMITTEE ON RULES, 

111TH CONGRESS 

The SPEAKER pro tempore. Under a 

previous order of the House, the gentlewoman from New York (Ms. SLAUGHTER) is recognized for 5 minutes. 

Ms. SLAUGHTER. Madam Speaker, pursuant to clause 2 of rule XI of the Rules of the 

House, on January 7, 2009 the Committee on 

Rules adopted by voice vote, a quorum being 

present, the following rules: 

RULES OF THE COMMITTEE ON RULES 

U.S. House of Representatives 

Rules for the 111th Congress 

RULE 1—GENERAL PROVISIONS

(a) The Rules of the House are the rules of 

the Committee and its subcommittees so far 

as applicable, except that a motion to recess 

from day to day, and a motion to dispense 

with the first reading (in full) of a bill or resolution, if printed copies are available, are 

non-debatable privileged motions in the 

Committee. A proposed investigative or 

oversight report shall be considered as read 

if it has been available to the members of the 

Committee for at least 24 hours (excluding 

Saturdays, Sundays, or legal holidays except 

when the House is in session on such day). 

(b) Each subcommittee is a part of the 

Committee, and is subject to the authority 

and direction of the Committee and to its 

rules so far as applicable. 

(c) The provisions of clause 2 of rule XI of 

the Rules of the House are incorporated by 

reference as the rules of the Committee to 

the extent applicable. 

(d) The Committee’s rules shall be published in the Congressional Record not later 

than 30 days after the Committee is elected 

in each odd-numbered year. 

RULE 2—REGULAR, ADDITIONAL, AND SPECIAL

MEETINGS

REGULAR MEETINGS

(a)(1) The Committee shall regularly meet 

at 10:00 a.m. on Tuesday of each week when 

the House is in session. 

(2) A regular meeting of the Committee 

may be dispensed with if, in the judgment of 

the Chairman of the Committee (hereafter in 

these rules referred to as the ‘‘Chair’’), there 

is no need for the meeting. 

(3) Additional regular meetings and hearings of the Committee may be called by the 

Chair. 

NOTICE FOR REGULAR MEETINGS

(b) The Chair shall notify in electronic or 

written form each member of the Committee 

of the agenda of each regular meeting of the 

Committee at least 48 hours before the time 

of the meeting and shall provide to each 

member of the Committee, at least 24 hours 

before the time of each regular meeting: 

(1) for each bill or resolution scheduled on 

the agenda for consideration of a rule, a copy 

of— 

(A) the bill or resolution; 

(B) any committee reports thereon; and 

(C) any letter requesting a rule for the bill 

or resolution; and 

(2) for each other bill, resolution, report, or 

other matter on the agenda a copy of— 

(A) the bill, resolution, report, or materials relating to the other matter in question; and 

(B) any report on the bill, resolution, report, or any other matter made by any subcommittee of the Committee. 

EMERGENCY MEETINGS

(c)(1) The Chair may call an emergency 

meeting of the Committee at any time on 

any measure or matter which the Chair determines to be of an emergency nature; provided, however, that the Chair has made an 

effort to consult the ranking minority member, or, in such member’s absence, the next 

ranking minority party member of the Committee. 

(2) As soon as possible after calling an 

emergency meeting of the Committee, the 

Chair shall notify each member of the Committee of the time and location of the meeting. 

(3) To the extent feasible, the notice provided under paragraph (2) shall include the 

agenda for the emergency meeting and copies of available materials which would otherwise have been provided under subsection (b) 

if the emergency meeting was a regular 

meeting. 

SPECIAL MEETINGS

(d) Special meetings shall be called and 

convened as provided in clause 2(c)(2) of rule 

XI of the Rules of the House. 

RULE 3—MEETING AND HEARING PROCEDURES

IN GENERAL

(a)(1) Meetings and hearings of the Committee shall be called to order and presided 

over by the Chair or, in the Chair’s absence, 

by the member designated by the Chair as 

the Vice Chair of the Committee, or by the 

ranking majority member of the Committee 

present as Acting Chair. 

(2) Meetings and hearings of the Committee shall be open to the public unless 

closed in accordance with clause 2(g) of rule 

XI of the Rules of the House of Representatives. 

(3) Any meeting or hearing of the Committee that is open to the public shall be 

open to coverage by television, radio, and 

still photography in accordance with the 

provisions of clause 4 of rule XI of the Rules 

of the House (which are incorporated by reference as part of these rules). 

(4) When a recommendation is made as to 

the kind of rule which should be granted for 

consideration of a bill or resolution, a copy 

of the language recommended shall be furnished to each member of the Committee at 

the beginning of the Committee meeting at 

which the rule is to be considered or as soon 

thereafter as the proposed language becomes 

available. 

QUORUM

(b)(1) For the purpose of hearing testimony 

on requests for rules, five members of the 

Committee shall constitute a quorum. 

(2) For the purpose of taking testimony 

and receiving evidence on measures or matters of original jurisdiction before the Committee, three members of the Committee 

shall constitute a quorum. 

(3) A majority of the members of the Committee shall constitute a quorum for the purposes of reporting any measure or matter, of 

authorizing a subpoena, of closing a meeting 

or hearing pursuant to clause 2(g) of rule XI 

of the Rules of the House (except as provided 

in clause 2(g)(2)(A) and (B)), or of taking any 

other action. 

VOTING

(c)(1) No vote may be conducted on any 

measure or motion pending before the Committee unless a majority of the members of 

the Committee is actually present for such 

purpose. 

(2) A record vote of the Committee shall be 

provided on any question before the Committee upon the request of any member. 

(3) No vote by any member of the Committee on any measure or matter may be 

cast by proxy. 

(4) A record of the vote of each Member of 

the Committee on each record vote on any 

matter before the Committee shall be available for public inspection at the offices of 

the Committee, and with respect to any 

record vote on any motion to amend or report, shall be included in the report of the 

Committee showing the total number of 

votes cast for and against and the names of 

those members voting for and against. 

HEARING PROCEDURES

(d)(1) With regard to hearings on matters 

of original jurisdiction, to the greatest extent practicable: 

(A) each witness who is to appear before 

the Committee shall file with the Committee 

at least 24 hours in advance of the appearance a statement of proposed testimony in 

written and electronic form and shall limit 

the oral presentation to the Committee to a 

brief summary thereof; and 

(B) each witness appearing in a non-governmental capacity shall include with the 

statement of proposed testimony provided in 

written and electronic form a curriculum 

vitae and a disclosure of the amount and 

source (by agency and program) of any Federal grant (or subgrant thereof) or contract 

(or subcontract thereof) received during the 

current fiscal year or either of the two preceding fiscal years. 

(2) The five-minute rule shall be observed 

in the interrogation of each witness before 

the Committee until each member of the 

Committee has had an opportunity to question the witness. 

(3) The provisions of clause 2(k) of rule XI 

of the Rules of the House shall apply to any 

hearing conducted by the Committee. 

SUBPOENAS AND OATHS

(e)(1) Pursuant to clause 2(m) of rule XI of 

the Rules of the House of Representatives, a 

subpoena may be authorized and issued by 

the Committee or a subcommittee in the 

conduct of any investigation or series of investigations or activities, only when authorized by a majority of the members voting, a 

majority being present. 

(2) The Chair may authorize and issue subpoenas under such clause during any period 

in which the House has adjourned for a period of longer than three days. 

(3) Authorized subpoenas shall be signed by 

the Chair or by any member designated by 

the Committee, and may be served by any 

person designated by the Chair or such member. 

(4) The Chair, or any member of the Committee designated by the Chair, may administer oaths to witnesses before the Committee. 

RULE 4—GENERAL OVERSIGHT

RESPONSIBILITIES

(a) The Committee shall review and study, 

on a continuing basis, the application, administration, execution, and effectiveness of 

those laws, or parts of laws, the subject matter of which is within its jurisdiction. 

(b) Not later than February 15 of the first 

session of a Congress, the Committee shall 

meet in open session, with a quorum present, 

to adopt its oversight plans for that Congress for submission to the Committee on 

House Administration and the Committee on 

Oversight and Government Reform, in accordance with the provisions of clause 2(d) of 

House rule X. 

RULE 5—SUBCOMMITTEES

ESTABLISHMENT AND RESPONSIBILITIES OF

SUBCOMMITTEES

(a)(1) There shall be two subcommittees of 

the Committee as follows: 

(A) Subcommittee on Legislative and 

Budget Process, which shall have general responsibility for measures or matters related 

to relations between the Congress and the 

Executive Branch. 

(B) Subcommittee on Rules and Organization of the House, which shall have general 

responsibility for measures or matters related to process and procedures of the House, 


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H52 CONGRESSIONAL RECORD — HOUSE January 7, 2009 

relations between the two Houses of Congress, relations between the Congress and 

the Judiciary, and internal operations of the 

House. 

(2) In addition, each such subcommittee 

shall have specific responsibility for such 

other measures or matters as the Chair refers to it. 

(3) Each subcommittee of the Committee 

shall review and study, on a continuing 

basis, the application, administration, execution, and effectiveness of those laws, or 

parts of laws, the subject matter of which is 

within its general responsibility. 

REFERRAL OF MEASURES AND MATTERS TO

SUBCOMMITTEES

(b)(1) In view of the unique procedural responsibilities of the Committee, no special 

order providing for the consideration of any 

bill or resolution shall be referred to a subcommittee of the Committee. 

(2) The Chair shall refer to a subcommittee 

such measures or matters of original jurisdiction as the Chair deems appropriate given 

its jurisdiction and responsibilities. 

(3) All other measures or matters of original jurisdiction shall be subject to consideration by the full Committee. 

(4) In referring any measure or matter of 

original jurisdiction to a subcommittee, the 

Chair may specify a date by which the subcommittee shall report thereon to the Committee. 

(5) The Committee by motion may discharge a subcommittee from consideration 

of any measure or matter referred to a subcommittee of the Committee. 

COMPOSITION OF SUBCOMMITTEES

(c) The size and ratio of each subcommittee shall be determined by the Committee and members shall be elected to each 

subcommittee, and to the positions of chairman and ranking minority member thereof, 

in accordance with the rules of the respective party caucuses. The Chair of the full 

Committee shall designate a member of the 

majority party on each subcommittee as its 

vice chairman. 

SUBCOMMITTEE MEETINGS AND HEARINGS

(d)(1) Each subcommittee of the Committee is authorized to meet, hold hearings, 

receive testimony, mark up legislation, and 

report to the full Committee on any measure 

or matter referred to it. 

(2) No subcommittee of the Committee 

may meet or hold a hearing at the same time 

as a meeting or hearing of the full Committee is being held. 

(3) The chairman of each subcommittee 

shall schedule meetings and hearings of the 

subcommittee only after consultation with 

the Chair. 

QUORUM

(e)(1) For the purpose of taking testimony, 

two members of the subcommittee shall constitute a quorum. 

(2) For all other purposes, a quorum shall 

consist of a majority of the members of a 

subcommittee. 

EFFECT OF A VACANCY

(f) Any vacancy in the membership of a 

subcommittee shall not affect the power of 

the remaining members to execute the functions of the subcommittee. 

RECORDS

(g) Each subcommittee of the Committee 

shall provide the full Committee with copies 

of such records of votes taken in the subcommittee and such other records with respect to the subcommittee necessary for the 

Committee to comply with all rules and regulations of the House. 

RULE 6—STAFF

IN GENERAL

(a)(1) Except as provided in paragraphs (2) 

and (3), the professional and other staff of 

the Committee shall be appointed, by the 

Chair, and shall work under the general supervision and direction of the Chair. 

(2) All professional, and other staff provided to the minority party members of the 

Committee shall be appointed, by the ranking minority member of the Committee, and 

shall work under the general supervision and 

direction of such member. 

(3) The appointment of all professional 

staff shall be subject to the approval of the 

Committee as provided by, and subject to the 

provisions of, clause 9 of rule X of the Rules 

of the House. 

ASSOCIATE STAFF

(b) Associate staff for members of the Committee may be appointed only at the discretion of the Chair (in consultation with the 

ranking minority member regarding any minority party associate staff), after taking 

into account any staff ceilings and budgetary constraints in effect at the time, and 

any terms, limits, or conditions established 

by the Committee on House Administration 

under clause 9 of rule X of the Rules of the 

House. 

SUBCOMMITTEE STAFF

(c) From funds made available for the appointment of staff, the Chair of the Committee shall, pursuant to clause 6(d) of rule 

X of the Rules of the House, ensure that sufficient staff is made available to each subcommittee to carry out its responsibilities 

under the rules of the Committee, and, after 

consultation with the ranking minority 

member of the Committee, that the minority 

party of the Committee is treated fairly in 

the appointment of such staff. 

COMPENSATION OF STAFF

(d) The Chair shall fix the compensation of 

all professional and other staff of the Committee, after consultation with the ranking 

minority member regarding any minority 

party staff. 

CERTIFICATION OF STAFF

(e)(1) To the extent any staff member of 

the Committee or any of its subcommittees 

does not work under the direct supervision 

and direction of the Chair, the Member of 

the Committee who supervises and directs 

the staff member’s work shall file with the 

Chief of Staff of the Committee (not later 

than the tenth day of each month) a certification regarding the staff member’s work for 

that member for the preceding calendar 

month. 

(2) The certification required by paragraph 

(1) shall be in such form as the Chair may 

prescribe, shall identify each staff member 

by name, and shall state that the work engaged in by the staff member and the duties 

assigned to the staff member for the member 

of the Committee with respect to the month 

in question met the requirements of clause 9 

of rule X of the Rules of the House. 

(3) Any certification of staff of the Committee, or any of its subcommittees, made 

by the Chair in compliance with any provision of law or regulation shall be made— 

(A) on the basis of the certifications filed 

under paragraph (1) to the extent the staff is 

not under the Chair’s supervision and direction, and 

(B) on his own responsibility to the extent 

the staff is under the Chair’s direct supervision and direction. 

RULE 7—BUDGET, TRAVEL, PAY OF WITNESSES

BUDGET

(a) The Chair, in consultation with other 

members of the Committee, shall prepare for 

each Congress a budget providing amounts 

for staff, necessary travel, investigation, and 

other expenses of the Committee and its subcommittees. 

TRAVEL

(b)(1) The Chair may authorize travel for 

any member and any staff member of the 

Committee in connection with activities or 

subject matters under the general jurisdiction of the Committee. Before such authorization is granted, there shall be submitted 

to the Chair in writing the following: 

(A) The purpose of the travel. 

(B) The dates during which the travel is to 

occur. 

(C) The names of the States or countries to 

be visited and the length of time to be spent 

in each. 

(D) The names of members and staff of the 

Committee for whom the authorization is 

sought. 

(2) Members and staff of the Committee 

shall make a written report to the Chair on 

any travel they have conducted under this 

subsection, including a description of their 

itinerary, expenses, and activities, and of 

pertinent information gained as a result of 

such travel. 

(3) Members and staff of the Committee 

performing authorized travel on official business shall be governed by applicable laws, 

resolutions, and regulations of the House and 

of the Committee on House Administration. 

PAY OF WITNESSES

(c) Witnesses may be paid from funds made 

available to the Committee in its expense 

resolution subject to the provisions of clause 

5 of rule XI of the Rules of the House. 

RULE 8—COMMITTEE ADMINISTRATION

REPORTING

(a) Whenever the Committee authorizes 

the favorable reporting of a bill or resolution 

from the Committee— 

(1) the Chair or acting Chair shall report it 

to the House or designate a member of the 

Committee to do so, and 

(2) in the case of a bill or resolution in 

which the Committee has original jurisdiction, the Chair shall allow, to the extent 

that the anticipated floor schedule permits, 

any member of the Committee a reasonable 

amount of time to submit views for inclusion 

in the Committee report on the bill or resolution. 

Any such report shall contain all matters 

required by the Rules of the House of Representatives (or by any provision of law enacted as an exercise of the rulemaking power 

of the House) and such other information as 

the Chair deems appropriate. 

RECORDS

(b)(1) There shall be a transcript made of 

each regular meeting and hearing of the 

Committee, and the transcript may be printed if the Chair decides it is appropriate or if 

a majority of the Members of the Committee 

requests such printing. Any such transcripts 

shall be a substantially verbatim account of 

remarks actually made during the proceedings, subject only to technical, grammatical, and typographical corrections authorized by the person making the remarks. 

Nothing in this paragraph shall be construed 

to require that all such transcripts be subject to correction and publication. 

(2) The Committee shall keep a record of 

all actions of the Committee and of its subcommittees. The record shall contain all information required by clause 2(e)(1) of rule 

XI of the Rules of the House of Representatives and shall be available for public inspection at reasonable times in the offices of the 

Committee. 

(3) All Committee hearings, records, data, 

charts, and files shall be kept separate and 

distinct from the congressional office 

records of the Chair, shall be the property of 

the House, and all Members of the House 

shall have access thereto as provided in 

clause 2(e)(2) of rule XI of the Rules of the 

House. 

(4) The records of the Committee at the 

National Archives and Records Administration shall be made available for public use in 


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January 7, 2009 CONGRESSIONAL RECORD — HOUSE H53 

accordance with rule VII of the Rules of the 

House. The Chair shall notify the ranking 

minority member of any decision, pursuant 

to clause 3(b)(3) or clause 4(b) of the rule, to 

withhold a record otherwise available, and 

the matter shall be presented to the Committee for a determination on written request of any member of the Committee. 

COMMITTEE PUBLICATIONS ON THE INTERNET

(c) To the maximum extent feasible, the 

Committee shall make its publications available in electronic form. 

CALENDARS

(d)(1) The Committee shall maintain a 

Committee Calendar, which shall include all 

bills, resolutions, and other matters referred 

to or reported by the Committee and all 

bills, resolutions, and other matters reported 

by any other committee on which a rule has 

been granted or formally requested, and such 

other matters as the Chair shall direct. The 

Calendar shall be published periodically, but 

in no case less often than once in each session of Congress. 

(2) The staff of the Committee shall furnish 

each member of the Committee with a list of 

all bills or resolutions (A) reported from the 

Committee but not yet considered by the 

House, and (B) on which a rule has been formally requested but not yet granted. The list 

shall be updated each week when the House 

is in session. 

(3) For purposes of paragraphs (1) and (2), a 

rule is considered as formally requested 

when the Chairman of a committee which 

has reported a bill or resolution (or a member of such committee authorized to act on 

the Chairman’s behalf): 

(A) has requested, in writing to the Chair, 

that a hearing be scheduled on a rule for the 

consideration of the bill or resolution, and 

(B) has supplied the Committee with an 

adequate number of copies of the bill or resolution, as reported, together with the final 

printed committee report thereon. 

OTHER PROCEDURES

(e) The Chair may establish such other 

Committee procedures and take such actions 

as may be necessary to carry out these rules 

or to facilitate the effective operation of the 

Committee and its subcommittees in a manner consistent with these rules. 

RULE 9—AMENDMENTS TO COMMITTEE RULES

The rules of the Committee may be modified, amended or repealed, in the same manner and method as prescribed for the adoption of committee rules in clause 2 of rule XI 

of the Rules of the House, but only if written 

notice of the proposed change has been provided to each such Member at least 48 hours 

before the time of the meeting at which the 

vote on the change occurs. Any such change 

in the rules of the Committee shall be published in the Congressional Record within 30 

calendar days after their approval. 

f 

HAMAS—A HISTORY OF HATE 

The SPEAKER pro tempore. Under a 

previous order of the House, the gentleman from Texas (Mr. POE) is recognized for 5 minutes. 

Mr. POE of Texas. Madam Speaker, 

Israel and Hamas are fighting each 

other in the Gaza Strip. The question 

is, what is this fighting all about? 

For centuries, the Jews and Muslims 

have fought over a strip of land in what 

we call the Holy Land called the Gaza 

Strip. It’s a territorial dispute, but it’s 

also a conflict of a religious nature. 

The Gaza Strip is a tiny sliver of land 

about two times the size of Washington, D.C., with a population of 

about 1.5 million people. It is bordered 

by the State of Israel on three sides 

and the Mediterranean Sea to the 

West. 

The modern war between Israel and 

the Palestinians began after Israel became a sovereign nation in 1948, after 

the end of World War II. After the 

Egyptian invasion of Israel in May of 

1948 and the subsequent occupation of 

the Gaza Strip, large groups of Palestinian refugees began to arrive and live 

in Gaza. 

In the last half of the 20th century, 

territorial control bounced back and 

forth between Israel and its Muslim 

neighboring countries. In the 1990s, 

Israel transferred security and civilian 

responsibility for the Palestinian-populated areas of Gaza to the Palestinian 

Authority. After that transfer, Palestinians elected Yasser Arafat to be 

their leader, a person who was by no 

means pro-Israel, but a leader at the 

very least who worked for peace between Israel and Palestine. 

In September 2005, Israel unilaterally 

withdrew all of its settlers and soldiers 

and dismantled its military facilities 

in the Gaza Strip on the condition that 

the Palestinian terrorist groups, like 

Hamas, would stop terrorizing innocent 

civilians in Israel near the Gaza border, 

but that did not happen. Hamas continued its relentless attacks against the 

Jews, causing an escalation of tension 

in that region. 

Then in January of 2006, the people of 

Palestine elected Hamas to head the 

Palestine Legislative Council. The 

international community did not accept the Hamas-led government because it refused to renounce violence, 

refused to recognize the State of Israel, 

and refused to honor previous peace 

agreements between Israel and the Palestinian Authority. 

After a series of infighting between 

Hamas and more moderate Palestinians, Hamas militants succeeded in a 

violent takeover of all the military and 

government institutions in the Gaza 

Strip. 

So since 2000, Hamas terrorists have 

targeted over 1 million Israeli civilians 

in Gaza and Israel literally firing thousands of rockets, missiles and mortar 

shells into Israel. In just the past 10 

days, Hamas has fired more than 500 

rockets at innocent Israeli civilians, 

and there is no end in sight. 

The anti-Semitic hate speech propagated by Hamas leaders is no figment 

of anyone’s imagination. It is real. It’s 

enticing an entire generation of young 

people to become terrorists, all in the 

name of religion. Even our State Department has designated Hamas as a 

foreign terrorist organization for as 

long as that list has existed. 

But we don’t have to take our own 

government’s word for it. In 2005, a 

Hamas leader in Gaza told the media 

that, ‘‘Neither the liberation of the 

Gaza Strip nor the liberation of the 

West Bank or even Jerusalem will suffice us. Hamas will pursue the armed 

struggle until the liberation of all our 

lands. We don’t recognize the State of 

Israel or its right to hold onto one inch 

of Palestine. Palestine is an Islamic 

land belonging to all the Muslims.’’ 

Later in 2006, another leader said, 

‘‘Israel is not a legitimate entity, and 

no amount of pressure can force us to 

recognize its right to exist. Israel must 

be humiliated and degraded.’’ 

These are not the words of a people 

who desire peace and reconciliation. 

These are the words of a people who 

blatantly call for the complete destruction of Israel and will not stop at anything until that happens. 

What’s worse, Hamas doesn’t care 

what it takes to make this happen, 

even if that means killing its own people. 

Since the fighting began, Israel has 

allowed over 200 truckloads of food and 

medicine to enter Gaza, even under 

shellfire. Just today, Israel agreed to 

cease its ground operations for 3 hours 

every day so that humanitarian supplies can be taken into Gaza. 

But meanwhile, Hamas is not only 

preventing its own wounded civilians 

from crossing into Egypt to receive 

medical treatment, but they’re stealing medicine and supplies meant for civilians and using them for their wounded terrorists. 

What makes Hamas even more inhumane is their willingness to put their 

own people in harm’s way. Time and 

time again, Hamas has intentionally 

launched missiles into school yards and 

residential areas, putting Palestinians 

at risk, daring Israel to try and come 

after them, even hoping for Palestinian 

civilian lives to be lost in these attacks. 

It’s time for the rest of the world to 

stand in solidarity with Israel in its 

fight against terrorism and demand 

that Hamas immediately end its rocket 

fire attacks on Israel and stop smuggling through tunnels between Egypt 

and Gaza. However, Hamas says it will 

never end their war against Israel until 

Israel ceases to exist. 

In the face of such hate, Madam 

Speaker, Israel is left with no other 

choice but to defend its people and its 

sovereign territory from these murderous terrorists. 

And that’s just the way it is. 

f 

NEW CONGRESS, REAL 

COMMITMENT 

The SPEAKER pro tempore. Under a 

previous order of the House, the gentlewoman from Ohio (Ms. KAPTUR) is recognized for 5 minutes. 

Ms. KAPTUR. Madam Speaker, the 

wonderful opportunity of a new Congress is that it is not bound by the mistakes of the past. 

As foreclosure rates rise in Ohio and 

across our Nation, it’s pretty obvious 

that the Federal responses are not 

working on Main Street, whether it’s 

the $700 billion Wall Street bailout or 

the $300 billion FHA loan workout program. 


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