instruction:
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.
question:
Affordable Mortgage for Homeowners Act of 2011 - Directs the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac) each to carry out a program to provide for the reduction of the interest rates on qualified mortgage mortgages (other than fixed-rate or adjustable-rate mortgages) on single-family housing owned or guaranteed by such enterprises, in accordance with policies and procedures that the Director of the Federal Housing Finance Agency (FHFA) shall establish.

Requires each program to provide a procedure for mortgagors to opt-out of an interest rate reduction.
answer:
To reduce the interest rates on mortgages owned or guaranteed by Fannie Mae and Freddie Mac.


question:
Investment Tax Simplification Act of 2005 - Makes permanent the reduction in individual capital gains tax rates enacted by the Jobs and Growth Tax Relief Reconciliation Act of 2003.

Amends the Internal Revenue Code to reduce the maximum capital gains tax rates for individuals and corporations.
answer:
To amend the Internal Revenue Code of 1986 to make the 2003 reduction in the individual capital gains tax rates permanent and to further reduce and simplify such rates and to reduce the corporate capital gains rate.


question:
Emergency Care Liability Relief Act - Limits noneconomic and punitive damages for injuries arising from the provision of uncompensated care by emergency care providers.

Authorizes the award of attorney's fees and costs in actions in which a party's liability or such damages are contested. Requires liability for such awards to be allocated to the nonprevailing party personally, the attorney or law firm representing such party if representation was on a contingent fee basis, or both, taking into account specified factors.

Requires the court, in actions in which liability or noneconomic or punitive damages described in this Act are contested, to instruct the jury that it must take into account the effect of the amount to be awarded in damages on the price and availability of health care liability insurance.
answer:

To limit the liability of hospitals and emergency departments for noneconomic and punitive damages when providing uncompensated care, and for other purposes.