TASK DEFINITION: In this task, you are given a summary for US Congressional and California state bill, your task is to generate a Title for this bill. The preferred titles are under forty words and mention the purpose of the bill.
PROBLEM: Rural Housing Opportunity and Enhancement Act of 2005 - Amends the Doug Bereuter Section 502 Single Family Housing Loan Guarantee Act of the Housing Act of 1949 with respect to the single family rural housing loan guarantee program to: (1) eliminate low and moderate income eligibility requirements; (2) reduce maximum guarantee fees paid by lenders; and (3) require any regulation limiting borrower eligibility based upon the borrower's debt-income ratio to provide for a higher income-to-debt ratio for newly-constructed property loans.

Revises refinancing loan guarantee provisions to: (1) authorize a specified lender guarantee fee; (2) permit a guarantee to acquire or construct an eligible single-family residence; (3) amend closing cost provisions; (4) eliminate income requirements; (5) prohibit that an appraisal credit report be required in connection with the loan, or that the residence be in a rural area for an existing loan; and (6) require that the borrower is not delinquent with respect to existing loan payments, and that monthly refinance payments be at least $50 less than existing monthly payments.

Requires agricultural housing loans to be recorded as Department of Agriculture, rather than conventional, loans.

Revises the definition of "rural area."

Increases direct loan income limitations.

SOLUTION: To amend section 502(h) of the Housing Act of 1949 to improve the rural housing loan guarantee program, and for other purposes.

PROBLEM: Small Business Protection Act of 2003 - Amends the Internal Revenue Code to allow a deduction, of up to 50 percent of net profit, for contributions to a Small Business Protection Account.

SOLUTION: To amend the Internal Revenue Code of 1986 to provide for Small Business Protection Accounts, and for other purposes.

PROBLEM: Federal Government Water and Sanitary Sewer Billing and Collection Improvement Act of 2002 - Amends the District of Columbia Public Works Act of 1954 to revise administrative requirements with respect to billings for water and sewer authority services provided to the Federal Government by the District of Columbia (thus, providing for direct billings by the District to Federal agencies for such services and direct payment by them to the District).

SOLUTION:
To provide for direct billing for water and sanitary sewer furnished to Federal agencies by the District of Columbia, and direct payment by those agencies to the District of Columbia.