H. R. 1105—155 
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 provisions 
of this title.’’. 
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 Federal 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 AUTHORIZA-
TION. 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 section: 
‘‘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 other-
wise, 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 manage-
ment activity is an activity that is financial in nature, is incidental 
to any financial activity, or is complementary 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 Reserve 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 ‘‘November 1, 2010’’. 
(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 enactment of 
this Act, the Federal Trade Commission shall initiate a rulemaking 
proceeding with respect to mortgage loans in accordance with sec-
tion 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 practices. 
(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
H. R. 1105—156 
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. 
(2) The State shall serve written notice to the Commission 
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 inter-
vening— 
(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 attorney general 
of a State from exercising the powers conferred on the attorney 
general by the laws of such State to conduct investigations or 
to administer oaths or affirmations 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 in State 
or Federal court on the basis of an alleged violation of any civil 
or criminal statute of that State. 
(5) In a civil action brought under paragraph (1)— 
(A) the venue shall be a judicial district in which the 
defendant is found, is an inhabitant, or transacts business 
or wherever venue is proper under section 1391 of title 28, 
United States Code; and 
(B) process may be served without regard to the territorial 
limits of the district or of the State in which the civil action 
is instituted. 
(6) Whenever a civil action or an administrative action has 
been instituted by or on behalf of the Commission for violation 
of any provision of law or rule described in paragraph (1), no 
State may, during the pendency of such action instituted by or 
on behalf of the Commission, institute a civil action under that 
paragraph against any defendant named in the complaint in such 
action for violation of any law or rule as alleged in such complaint. 
(7) If the attorney general of a State prevails in any civil 
action under paragraph (1), the State can recover reasonable costs 
and attorney fees from the lender or related party. 
(c) Section 129 of the Truth in Lending Act (15 U.S.C. 1639) 
is amended by adding at the end the following: 
‘‘(m) 
CIVIL
PENALTIES
IN
FEDERAL
TRADE
COMMISSION 
ENFORCEMENT ACTIONS.—For purposes of enforcement by the Fed-
eral Trade Commission, any violation of a regulation issued by 
the Federal Reserve Board pursuant to subsection (l)(2) of this