363 
(b) EFFECTIVE DATE.—This amendment shall take 
effect as if included in the amendment made by section 
852 of the Pension Protection Act of 2006. 
SEC. 619. The Public Company Accounting Oversight 
Board shall have authority to obligate funds for the schol-
arship program established by section 109(c)(2) of the 
Sarbanes-Oxley Act of 2002 (Public Law 107–204) in an 
aggregate amount not exceeding the amount of funds col-
lected by the Board as of December 31, 2008, including 
accrued interest, as a result of the assessment of monetary 
penalties. Funds available for obligation in fiscal year 
2009 shall remain available until expended. 
SEC. 620. Section 910(a) of the Trade Sanctions Re-
form and Export Enhancement Act of 2000 (22 U.S.C. 
7209(a)) is amended to read as follows: 
‘‘(a) AUTHORIZATION
OF TRAVEL RELATING
TO 
COMMERCIAL SALES OF AGRICULTURAL AND MEDICAL 
GOODS.—The Secretary of the Treasury shall promulgate 
regulations under which the travel-related transactions 
listed in paragraph (c) of section 515.560 of title 31, Code 
of Federal Regulations, are authorized by general license 
for travel to, from, or within Cuba for the marketing and 
sale of agricultural and medical goods pursuant to the pro-
visions of this title.’’. 
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364 
SEC. 621. None of the funds made available in this 
Act may be used to administer, implement, or enforce the 
amendments made to section 515.560 and section 515.561 
of title 31, Code of Federal Regulations, related to travel 
to visit relatives in Cuba, that were published in the Fed-
eral Register on June 16, 2004. 
SEC. 622. None of the funds made available in this 
Act may be used to administer, implement, or enforce the 
amendment made to section 515.533 of title 31, Code of 
Federal Regulations, that was published in the Federal 
Register on February 25, 2005. 
SEC. 623. CHRISTOPHER COLUMBUS FELLOWSHIP 
AUTHORIZATION. The Christopher Columbus Fellowship 
Act (20 U.S.C. 5701 et seq.) is amended— 
(1) in section 426(a) (20 U.S.C. 5705(a))— 
(A) in paragraph (3), by striking ‘‘and’’ at 
the end; 
(B) by redesignating paragraph (4) as 
paragraph (5); and 
(C) by inserting after paragraph (3) the 
following: 
‘‘(4) amounts appropriated to the Foundation, 
as authorized under section 430; and’’; and 
(2) by adding at the end the following new sec-
tion: 
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365 
‘‘SEC. 430. AUTHORIZATION OF APPROPRIATIONS. 
‘‘There are authorized to be appropriated to the 
Foundation, such sums as may be necessary to carry out 
this subtitle.’’. 
SEC. 624. Notwithstanding any other provision of 
law, for fiscal year 2009 and each fiscal year thereafter, 
neither the Board of Governors of the Federal Reserve 
System nor the Secretary of the Treasury may determine, 
by rule, regulation, order, or otherwise, for purposes of 
section 4(k) of the Bank Holding Company Act of 1956, 
or section 5136A of the Revised Statutes of the United 
States, that real estate brokerage activity or real estate 
management activity is an activity that is financial in na-
ture, is incidental to any financial activity, or is com-
plementary to a financial activity. For purposes of this 
section, ‘‘real estate brokerage activity’’ shall mean ‘‘real 
estate brokerage’’, and ‘‘real estate management activity’’ 
shall mean ‘‘property management’’, as those terms were 
understood by the Board of Governors of the Federal Re-
serve System prior to March 11, 2000. 
SEC. 625. (a) Section 102(a)(3)(B) of the Help 
America Vote Act of 2002 (42 U.S.C. 15302(a)(3)(B)) is 
amended by striking ‘‘March 1, 2008’’ and inserting ‘‘No-
vember 1, 2010’’. 
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366 
(b) The amendment made by subsection (a) shall take 
effect as if included in the enactment of the Help America 
Vote Act of 2002. 
SEC. 626. (a) Within 90 days after the date of enact-
ment of this Act, the Federal Trade Commission shall ini-
tiate a rulemaking proceeding with respect to mortgage 
loans in accordance with section 553 of title 5, United 
States Code. Any violation of a rule prescribed under this 
subsection shall be treated as a violation of a rule under 
section 18 of the Federal Trade Commission Act (15 
U.S.C. 57a) regarding unfair or deceptive acts or prac-
tices. 
(b)(1) Except as provided in paragraph (6), a State, 
as parens patriae, may bring a civil action on behalf of 
its residents in an appropriate State or district court of 
the United States to enforce the provisions of section 128 
of the Truth in Lending Act (15 U.S.C. 1638), any other 
provision of the Truth in Lending Act, or any mortgage 
loan rule promulgated by the Federal Trade Commission 
to obtain penalties and relief provided under such Act or 
rule whenever the attorney general of the State has reason 
to believe that the interests of the residents of the State 
have been or are being threatened or adversely affected 
by a violation of such Act or rule. 
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(2) The State shall serve written notice to the Com-
mission of any civil action under paragraph (1) at least 
60 days prior to initiating such civil action. The notice 
shall include a copy of the complaint to be filed to initiate 
such civil action, except that if it is not feasible for the 
State to provide such prior notice, the State shall provide 
notice immediately upon instituting such civil action. 
(3) Upon receiving the notice required by paragraph 
(2), the Commission may intervene in such civil action and 
upon intervening— 
(A) be heard on all matters arising in such civil 
action; 
(B) remove the action to the appropriate 
United States district court; and 
(C) file petitions for appeal of a decision in 
such civil action. 
(4) Nothing in this subsection shall prevent the attor-
ney general of a State from exercising the powers con-
ferred on the attorney general by the laws of such State 
to conduct investigations or to administer oaths or affir-
mations or to compel the attendance of witnesses or the 
production of documentary and other evidence. Nothing 
in this section shall prohibit the attorney general of a 
State, or other authorized State officer, from proceeding 
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