In the House of Representatives, U. S., 
May 8, 2008. 
Resolved, That the House agree to the amendment of the 
Senate to the title of the bill (H.R. 3221) entitled ‘‘An Act 
moving the United States toward greater energy independ-
ence and security, developing innovative new technologies, re-
ducing carbon emissions, creating green jobs, protecting con-
sumers, increasing clean renewable energy production, and 
modernizing our energy infrastructure, and to amend the In-
ternal Revenue Code of 1986 to provide tax incentives for the 
production of renewable energy and energy conservation’’ and 
be it further 
Resolved, That the House agree to the amendment of the 
Senate to the text of the aforesaid bill, with the following 
HOUSE AMENDMENTS TO SENATE AMENDMENTS: 
Ω1æIn the matter proposed to be inserted by the amend-
ment of the Senate to the text of the bill, strike section 
1 and all that follows through the end of title V and in-
sert the following: 
SECTION 1. SHORT TITLE AND TABLE OF CONTENTS. 
(a) SHORT TITLE.—This Act may be cited as the 
‘‘American Housing Rescue and Foreclosure Prevention Act 
of 2008’’. 
(b) TABLE OF CONTENTS.—The table of contents for 
this Act is as follows:
Sec. 1. Short title and table of contents. 
TITLE I—FHA HOUSING STABILIZATION AND HOMEOWNERSHIP 
RETENTION 
Sec. 101. Short title. 
Subtitle A—Homeownership Retention 
Sec. 111. Purposes. 
Sec. 112. Insurance of homeownership retention mortgages. 
Sec. 113. Study of Auction or Bulk Refinance Program. 
Sec. 114. Temporary increase in maximum loan guaranty amount for certain 
housing loans guaranteed by Secretary of Veterans Affairs. 
Sec. 115. Study of possible accounting revisions relating to property at risk of 
foreclosure and the availability of credit for refinancing home 
mortgages at risk of foreclosure. 
Sec. 116. GAO study of the effect of tightening credit markets in communities af-
fected by the subprime mortgage foreclosure crises and predatory 
lending on prospective first-time homebuyers seeking mortgages. 
Subtitle B—Office of Housing Counseling 
Sec. 131. Short title. 
Sec. 132. Establishment of Office of Housing Counseling. 
Sec. 133. Counseling procedures. 
Sec. 134. Grants for housing counseling assistance. 
Sec. 135. Requirements to use HUD-certified counselors under HUD programs. 
Sec. 136. Study of defaults and foreclosures. 
Sec. 137. Definitions for counseling-related programs. 
Sec. 138. Updating and simplification of mortgage information booklet. 
Subtitle C—Combating Mortgage Fraud 
Sec. 151. Authorization of appropriations to combat mortgage fraud. 
TITLE II—FHA REFORM AND MANUFACTURED HOUSING LOAN 
INSURANCE MODERNIZATION 
Subtitle A—FHA Reform 
Sec. 201. Short title. 
Sec. 202. Findings and purposes. 
Sec. 203. Maximum principal loan obligation. 
Sec. 204. Extension of mortgage term. 
Sec. 205. Downpayment simplification. 
Sec. 206. Mortgage insurance premiums for qualified homeownership assistance 
entities and higher-risk borrowers. 
Sec. 207. Risk-based mortgage insurance premiums. 
Sec. 208. Payment incentives for higher-risk borrowers. 
Sec. 209. Protections for higher-risk borrowers. 
Sec. 210. Refinancing mortgages. 
Sec. 211. Annual reports on new programs and loss mitigation. 
Sec. 212. Insurance for single family homes with licensed child care facilities. 
Sec. 213. Rehabilitation loans. 
Sec. 214. Discretionary action. 
Sec. 215. Insurance of condominiums and manufactured housing. 
Sec. 216. Mutual Mortgage Insurance Fund.