In this task, you are given text for US Congressional and California state bills, your task is to generate a summary for this bill.

Example Input: SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Big Cat Public Safety Act''.

SEC. 2. DEFINITIONS.

    (a) In General.--Section 2 of the Lacey Act Amendments of 1981 (16 
U.S.C. 3371) is amended--
            (1) by redesignating subsections (a) through (k) as 
        subsections (b) through (l), respectively; and
            (2) by inserting before subsection (b) (as so redesignated) 
        the following:
    ``(a) Breed.--The term `breed' means to facilitate propagation or 
reproduction (whether intentionally or negligently), or to fail to 
prevent propagation or reproduction.''.
    (b) Conforming Amendments.--
            (1) Consolidated farm and rural development act.--Section 
        349(a)(3) of the Consolidated Farm and Rural Development Act (7 
        U.S.C. 1997(a)(3)) is amended by striking ``section 2(a)'' and 
        inserting ``section 2(b)''.
            (2) Lacey act amendments of 1981.--
                    (A) Section 3(e)(2)(C) of the Lacey Act Amendments 
                of 1981 (16 U.S.C. 3372(e)(2)(C)) is amended--
                            (i) in clause (ii), by striking ``section 
                        2(g)'' and inserting ``section 2(h)''; and
                            (ii) in clause (iii), by striking ``section 
                        2(g)'' and inserting ``section 2(h)''.
                    (B) Section 7(c) of the Lacey Act Amendments of 
                1981 (16 U.S.C. 3376(c)) is amended by striking 
                ``section 2(f)(2)(A)'' and inserting ``section 
                2(g)(2)(A)''.

SEC. 3. PROHIBITIONS.

    Section 3 of the Lacey Act Amendments of 1981 (16 U.S.C. 3372) is 
amended--
            (1) in subsection (a)--
                    (A) in paragraph (2)--
                            (i) in subparagraph (A), by striking the 
                        semicolon at the end and inserting ``; or'';
                            (ii) in subparagraph (B)(iii), by striking 
                        ``; or'' and inserting a semicolon; and
                            (iii) by striking subparagraph (C); and
                    (B) in paragraph (4), by striking ``(1) through 
                (3)'' and inserting ``(1) through (3) or subsection 
                (e)''; and
            (2) by amending subsection (e) to read as follows:
    ``(e) Captive Wildlife Offense.--
            ``(1) In general.--It is unlawful for any person to import, 
        export, transport, sell, receive, acquire, or purchase in 
        interstate or foreign commerce, or in a manner substantially 
        affecting interstate or foreign commerce, or to breed or 
        possess, any prohibited wildlife species.
            ``(2) Limitation on application.--Paragraph (1) does not 
        apply to--
                    ``(A) an entity exhibiting animals to the public 
                under a Class C license from the Department of 
                Agriculture and that holds such license in good 
                standing, if the entity--
                            ``(i) has not been, and does not employ any 
                        person engaged in animal care who has been, 
                        convicted of or fined for an offense involving 
                        the abuse or neglect of any animal pursuant to 
                        any State, local, or Federal law;
                            ``(ii) has not had, and does not employ any 
                        person who has had, a license or permit 
                        regarding the care, possession, exhibition, 
                        breeding, or sale of animals revoked or 
                        suspended by any State, local, or Federal 
                        agency, including the Department of 
                        Agriculture, within the preceding 3-year 
                        period;
                            ``(iii) has not been cited by the 
                        Department of Agriculture under the Animal 
                        Welfare Act (7 U.S.C. 2131 et seq.) within the 
                        preceding 12-month period for any repeat 
                        violation for--
                                    ``(I) inadequate veterinary care;
                                    ``(II) handling that causes stress 
                                or trauma or a threat to public safety;
                                    ``(III) insufficient provisions of 
                                food or water; or
                                    ``(IV) failure to allow facility 
                                inspection;
                            ``(iv) does not allow any individual other 
                        than a trained professional employee or 
                        contractor of the licensee (or an accompanying 
                        employee receiving professional training) or a 
                        licensed veterinarian (or an accompanying 
                        veterinary student) to come into direct 
                        physical contact with a prohibited wildlife 
                        species;
                            ``(v) ensures that during public exhibition 
                        of a lion (Panthera leo), tiger (Panthera 
                        tigris), leopard (Panthera pardus), snow 
                        leopard (Uncia uncia), jaguar (Panthera onca), 
                        cougar (Puma concolor), or any hybrid thereof, 
                        the animal is at least 15 feet from members of 
                        the public unless there is a permanent barrier 
                        that prevents public contact or risk of 
                        contact;
                            ``(vi) does not breed any prohibited 
                        wildlife species unless the breeding is 
                        conducted pursuant to a species-specific, 
                        publicly available, peer-reviewed population 
                        management plan developed according to 
                        established conservation science principles;
                            ``(vii) maintains liability insurance in an 
                        amount of not less than $250,000 for each 
                        occurrence of property damage, bodily injury, 
                        or death caused by any prohibited wildlife 
                        species possessed by the person; and
                            ``(viii) has a written plan that is made 
                        available to local law enforcement, State 
                        agencies and Federal agencies on request, for 
                        the quick and safe recapture or destruction of 
                        prohibited wildlife species in the event a 
                        prohibited wildlife species escapes, including, 
                        but not limited to, written protocols for 
                        training staff on methods of safe recapture of 
                        the escaped prohibited wildlife species;
                    ``(B) a State college, university, or agency, or 
                State-licensed veterinarian;
                    ``(C) a wildlife sanctuary that cares for 
                prohibited wildlife species, and--
                            ``(i) is a corporation that is exempt from 
                        taxation under section 501(a) of the Internal 
                        Revenue Code of 1986 and described in sections 
                        501(c)(3) and 170(b)(1)(A)(vi) of such Code;
                            ``(ii) does not commercially trade in 
                        prohibited wildlife species, including 
                        offspring, parts, and byproducts of such 
                        animals;
                            ``(iii) does not breed the prohibited 
                        wildlife species;
                            ``(iv) does not allow direct contact 
                        between the public and prohibited wildlife 
                        species; and
                            ``(v) does not allow the transportation and 
                        display of prohibited wildlife species off-
                        site;
                    ``(D) has custody of the prohibited wildlife 
                species solely for the purpose of expeditiously 
                transporting the prohibited wildlife species to a 
                person described in this paragraph with respect to the 
                species; or
                    ``(E) an entity or individual that is in possession 
                of a prohibited wildlife species that was born before 
                the date of the enactment of the Big Cat Public Safety 
                Act, and--
                            ``(i) not later than 180 days after the 
                        date of the enactment of the Big Cat Public 
                        Safety Act, the entity or individual registers 
                        each individual animal of each prohibited 
                        wildlife species with the United States Fish 
                        and Wildlife Service;
                            ``(ii) does not breed, acquire, or sell any 
                        prohibited wildlife species after the date of 
                        the enactment of such Act; and
                            ``(iii) does not allow direct contact 
                        between the public and prohibited wildlife 
                        species.''.

SEC. 4. PENALTIES.

    (a) Civil Penalties.--Section 4(a)(1) of the Lacey Act Amendments 
of 1981 (16 U.S.C. 3373(a)(1)) is amended--
            (1) by inserting ``(e),'' after ``(d),''; and
            (2) by inserting ``, (e),'' after ``subsection (d)''.
    (b) Criminal Penalties.--Section 4(d) of the Lacey Act Amendments 
of 1981 (16 U.S.C. 3373(d)) is amended--
            (1) in paragraph (1)(A), by inserting ``(e),'' after 
        ``(d),'';
            (2) in paragraph (1)(B), by inserting ``(e),'' after 
        ``(d),'';
            (3) in paragraph (2), by inserting ``(e),'' after ``(d),''; 
        and
            (4) by adding at the end the following:
            ``(4) Any person who knowingly violates subsection (e) of 
        section 3 shall be fined not more than $20,000, or imprisoned 
        for not more than five years, or both. Each violation shall be 
        a separate offense and the offense shall be deemed to have been 
        committed not only in the district where the violation first 
        occurred, but also in any district in which the defendant may 
        have taken or been in possession of the prohibited wildlife 
        species.''.

SEC. 5. FORFEITURE OF PROHIBITED WILDLIFE SPECIES.

    Section 5(a)(1) of the Lacey Act Amendments of 1981 (16 U.S.C. 
3374(a)(1)) is amended by inserting ``bred, possessed,'' before 
``imported, exported,''.

SEC. 6. ADMINISTRATION.

    Section 7(a) of the Lacey Act Amendments of 1981 (16 U.S.C. 
3376(a)) is amended by adding at the end the following:
            ``(3) The Secretary shall, in consultation with other 
        relevant Federal and State agencies, promulgate any regulations 
        necessary to implement section 3(e).''.
Example Output: Big Cat Public Safety Act This bill amends the Lacey Act Amendments of 1981 to prohibit any person from breeding or possessing prohibited wildlife species (i.e., any live species of lion, tiger, leopard, cheetah, jaguar, or cougar or any hybrid of such species). Breeding means facilitating propagation or reproduction (whether intentionally or negligently), or failing to prevent propagation or reproduction.  The bill revises the list of entities that are exempt from Lacey Act prohibitions regarding those wildlife species to include: (1) certain entities that hold Class C licenses in good standing under the Animal Welfare Act, and (2) current owners of animals that were born before this bill's enactment if the animals are registered with the U.S. Fish and Wildlife Service. Those entities and owners may not allow direct contact between the public and the prohibited wildlife species. A person who knowingly violates the prohibition must be fined not more than $20,000, or imprisoned for not more than five years, or both. The bill considers each violation to be a separate offense. The offense must be deemed to have been committed not only in the district where the violation first occurred, but also in any district in which the defendant may have taken or been in possession of the prohibited wildlife species. The bill extends forfeiture provisions to fish, wildlife, or plants that are bred or possessed. 

Example Input: SECTION 1. SHORT TITLE.

        This Act may be cited as the ``Gun Crime Enforcement and Second 
Amendment Restoration Act of 1996''.

SEC. 2. FINDINGS.

        The Congress finds the following:
            (1) One of the primary duties of government is to protect 
        its citizens from armed violent criminals. America's cherished 
        liberty and the social and economic prosperity of its 
        communities are dependent upon government's ability to maintain 
        public safety.
            (2) Criminals, by definition, operate outside the law and 
        routinely acquire firearms when they so desire. Banning 
        specific types of firearms has no effect on the moral behavior 
        of those who choose to inflict harm on innocent citizens.
            (3) The most effective way to protect the public from gun-
        wielding violent criminals is to arrest, convict, and 
        incarcerate such predators, and to ensure that they serve 
        sentences of sufficient length to prevent them from returning 
        quickly to the streets.

SEC. 3. ARMED VIOLENT CRIMINAL APPREHENSION DIRECTIVE.

        (a) In General.--Not later than 180 days after the date of the 
enactment of this Act, the Attorney General of the United States shall 
establish an armed violent criminal apprehension program consistent 
with the following requirements:
            (1) Each United States attorney shall designate at least 1 
        assistant United States attorney to prosecute armed violent 
        criminals.
            (2) Each United States attorney shall establish an armed 
        violent criminal apprehension task force comprised of 
        appropriate law enforcement representatives. The task force 
        shall develop strategies for removing armed violent criminals 
        from the streets, taking into consideration--
                    (A) the importance of severe punishment in 
                deterring armed violent crime;
                    (B) the effectiveness of Federal and State laws 
                pertaining to apprehension and prosecution of armed 
                violent criminals;
                    (C) the resources available to each law enforcement 
                agency participating in the task force;
                    (D) the nature and extent of the violent crime 
                occurring in the district for which the United States 
                attorney is appointed; and
                    (E) the principle of limited Federal involvement in 
                the prosecution of crimes traditionally prosecuted in 
                State and local jurisdictions.
            (3) Not less frequently than monthly, the Attorney General 
        shall require each United States attorney to report to the 
        Department of Justice the number of defendants charged with, or 
        convicted of, violating section 922(g) or 924 of title 18, 
        United States Code, in the district for which the United States 
        attorney is appointed.
            (4) Not less frequently than twice annually, the Attorney 
        General shall submit to the Congress a compilation of the 
        information received by the Department of Justice pursuant to 
        paragraph (3) and a report on all waivers granted under 
        subsection (b).
        (b) Waiver Authority.--
            (1) Request for waiver.--A United States attorney may 
        request the Attorney General to waive the requirements of 
        subsection (a) with respect to the United States attorney.
            (2) Provision of waiver.--The Attorney General may waive 
        the requirements of subsection (a) pursuant to a request made 
        under paragraph (1), in accordance with guidelines which shall 
        be established by the Attorney General. In establishing the 
        guidelines, the Attorney General shall take into consideration 
        the number of assistant United States attorneys in the office 
        of the United States attorney making the request and the level 
        of violent crime committed in the district for which the United 
        States attorney is appointed.
        (c) Armed Violent Criminal Defined.--As used in this section, 
the term ``armed violent criminal'' means a person who is accused of 
violating section 922(g)(1) of title 18, United States Code, having 
been previously convicted of a violent crime, or who is accused of 
violating section 924 of such title.
        (d) Sunset.--This section shall have no force or effect after 
the 5-year period that begins 180 days after the date of the enactment 
of this Act.

SEC. 4. REPEAL OF THE PROHIBITIONS RELATING TO SEMIAUTOMATIC ASSAULT 
              WEAPONS AND LARGE CAPACITY AMMUNITION FEEDING DEVICES.

    (a) Section 922 of title 18, United States Code, is amended by 
striking subsections (v) and (w) and by striking the appendix.
    (b) Section 921(a) of such title is amended by striking paragraph 
(30).
    (c) Section 921(a)(31)(A) of such title is amended--
            (1) by striking ``manufactured after the date of enactment 
        of the Violent Crime Control and Law Enforcement Act of 1994''; 
        and
            (2) by striking ``, or that can be readily restored or 
        converted to accept,''.
    (d) Section 923(i) of such title is amended by striking the last 2 
sentences.
    (e) Section 924(a)(1)(B) of such title is amended by striking 
``(r), (v), or (w)'' and inserting ``or (r)''.
    (f) Section 110104 of the Violent Crime Control and Law Enforcement 
Act of 1994 (18 U.S.C. 921 note) is repealed.

SEC. 5. MANDATORY PRISON TERMS FOR POSSESSING, BRANDISHING, OR 
              DISCHARGING A FIREARM OR DESTRUCTIVE DEVICE DURING A 
              FEDERAL CRIME THAT IS A CRIME OF VIOLENCE OR A DRUG 
              TRAFFICKING CRIME.

    Section 924(c) of title 18, United States Code, is amended--
            (1) by redesignating paragraphs (2) and (3) as paragraphs 
        (4) and (5), respectively; and
            (2) by striking paragraph (1) and inserting the following:
    ``(1) A person who, during and in relation to any crime of violence 
or drug trafficking crime (including a crime of violence or drug 
trafficking crime which provides for an enhanced punishment if 
committed by the use of a deadly or dangerous weapon or device) for 
which the person may be prosecuted in a court of the United States--
            ``(A) possesses a firearm, shall, in addition to the 
        sentence imposed for the crime of violence or drug trafficking 
        crime, be sentenced to imprisonment for 5 years;
            ``(B) brandishes a firearm, shall, in addition to the 
        sentence imposed for the crime of violence or drug trafficking 
        crime, be sentenced to imprisonment for 10 years; or
            ``(C) discharges a firearm with the intent to injure 
        another person, shall, in addition to the sentence imposed for 
        the crime of violence or drug trafficking crime, be sentenced 
        to imprisonment for 20 years;
except that if the firearm is a short-barreled rifle or short-barreled 
shotgun, or is equipped with a large capacity ammunition feeding 
device, such additional sentence shall be imprisonment for 10 years 
more than the term of imprisonment that would otherwise be imposed 
under this paragraph, and if the firearm is a machinegun or destructive 
device or is equipped with a firearm silencer or firearm muffler, such 
additional sentence shall be imprisonment for 30 years.
    ``(2) In the case of the second or subsequent conviction of a 
person under this subsection--
            ``(A) if the person possessed a firearm during and in 
        relation to such second or subsequent crime of violence or drug 
        trafficking crime, the person shall, in addition to the 
        sentence imposed for such second or subsequent offense, be 
        sentenced to imprisonment for not less than 20 years;
            ``(B) if the person brandished a firearm during and in 
        relation to such second or subsequent crime of violence or drug 
        trafficking crime, the person shall, in addition to the 
        sentence imposed for such second or subsequent offense, be 
        sentenced to imprisonment for not less than 25 years; or
            ``(C) if the person discharged a firearm with the intent to 
        injure another person during and in relation to such second or 
        subsequent crime of violence or drug trafficking crime, the 
        person shall, in addition to the sentence imposed for such 
        second or subsequent offense, be sentenced to imprisonment for 
        not less than 30 years;
except that if the firearm is a machinegun or destructive device or is 
equipped with a firearm silencer or firearm muffler, the person shall, 
in addition to the sentence imposed for such second or subsequent 
offense, be sentenced to life imprisonment.
    ``(3)(A) Notwithstanding any other provision of law, the court 
shall not impose a probationary sentence on any person convicted of a 
violation of this subsection, nor shall a term of imprisonment imposed 
under this subsection run concurrently with any other term of 
imprisonment including that imposed for the crime of violence or drug 
trafficking crime in which the firearm was used.
    ``(B) No person sentenced under this subsection shall be released 
for any reason whatsoever during a term of imprisonment imposed under 
this subsection.''.

            Passed the House of Representatives March 22, 1996.

            Attest:

                                                ROBIN H. CARLE,

                                                                 Clerk.
Example Output: Gun Crime Enforcement and Second Amendment Restoration Act of 1996 - Directs the Attorney General to:  (1) establish an armed violent criminal apprehension program under which each U.S. attorney shall designate at least one assistant U.S. attorney to prosecute armed violent criminals and shall establish an armed violent criminal apprehension task force to develop strategies for removing armed violent criminals from the streets; (2) require each U.S. attorney to report to the Department of Justice (DOJ) monthly on the number of defendants charged with, or convicted of, violating specified offenses (such as possession of a firearm by an illegal alien and using or carrying a firearm during and in relation to any crime of violence or drug trafficking crime) ; and (3) submit to the Congress at least twice annually a compilation of the information received by DOJ and a report on all waivers granted under this Act. Authorizes a U.S. attorney to request, and the Attorney General to grant, a waiver of such requirements with respect to the U.S.  attorney.  Directs the Attorney General, in establishing guidelines for such a waiver, to consider the number of assistant U.S. attorneys in the requesting office and the level of violent crime committed in the district. Terminates such program after five years. (Sec. 4) Amends the Violent Crime Control and Law Enforcement Act of 1994 to repeal:  (1) the ban on semiautomatic assault weapons and large capacity ammunition feeding devices; and (2) a provision of such Act directing the Attorney General to study the effect of provisions related to the ban, to determine their impact on violent and drug trafficking crime, and to report to the Congress. (Sec. 5) Provides mandatory additional prison terms of:  (1) five, ten, or 20 years, respectively, for possessing, brandishing, or discharging a firearm or destructive device during a Federal crime of violence or drug trafficking crime; and (2) 20, 25, or 30 years, respectively, for second or subsequent convictions or life imprisonment for a second or subsequent offense involving a machine gun or destructive device or a firearm equipped with a silencer or muffler.  Prohibits any person who receives such an mandatory additional sentence from being released for any reason during the imposed term of imprisonment.

Example Input: SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Rural Housing Opportunity and 
Enhancement Act of 2005''.

SEC. 2. GUARANTEES FOR RURAL HOUSING LOANS.

    (a) Income Limitation.--
            (1) In general.--Section 502(h) of the Housing Act of 1949 
        (42 U.S.C. 1472(h)) is amended--
                    (A) by striking paragraph (3); and
                    (B) in paragraph (11), by striking `` for low and 
                moderate income families''.
            (2) Repeal.--Section 751 of the Agriculture, Rural 
        Development, Food and Drug Administration, and Related Agencies 
        Appropriations Act, 2001 (42 U.S.C. 1472 note) is hereby 
        repealed:
    (b) Guarantee Fee.--
            (1) In general.--Section 502(h)(8) of the Housing Act of 
        1949 is amended by striking ``not more than 1 percent'' and 
        inserting ``0.9 percent''.
            (2) Repeals.--The following provisions are hereby repealed:
                    (A) Section 739 of the Agriculture, Rural 
                Development, Food and Drug Administration, and Related 
                Agencies Appropriations Act, 2001 (42 U.S.C. 1472 
                note).
                    (B) Section 726 of the Agriculture, Rural 
                Development, Food and Drug Administration, and Related 
                Agencies Appropriations Act, 2005 (118 Stat. 2842).
    (c) Repayment Ability.--Section 502(h) of the Housing Act of 1949 
is amended by inserting after paragraph (2) the following new 
paragraph:
            ``(3) Eligibility of borrowers.--Any regulations of the 
        Secretary limiting eligibility of borrowers for loans 
        guaranteed pursuant to this subsection based upon the ratio 
        between the debt and income of the borrower shall provide for a 
        higher income-to-debt ratio with respect to loans for newly 
        constructed properties''.

SEC. 3. GUARANTEES FOR REFINANCING LOANS.

    Section 502(h)(14) of the Housing Act of 1949 (42 U.S.C. 
1472(h)(13)) is amended as follows:
            (1) Guarantee fee.--
                    (A) In subparagraph (A), by striking ``(F)'' and 
                inserting ``(I)''
                    (B) In subparagraph (E), by striking ``(8),''.
                    (C) By redesignating subparagraphs (E) and (F) as 
                subparagraphs (H) and (I), respectively.
                    (D) By inserting after subparagraph (D) the 
                following new subparagraph:
                    ``(E) Guarantee fee.--With respect to a refinancing 
                loan under this paragraph, the Secretary may collect 
                from the lender at the time of issuance of the 
                guarantee a fee equal to 0.5 percent of the principal 
                obligation of the loan.''.
            (2) Refinancing other types of mortgages.--In subparagraph 
        (A)--
                    (A) by inserting ``(i)'' before ``under this 
                section''; and
                    (B) by inserting before the last comma the 
                following: ``, or (ii) to acquire or construct a 
                single-family residence that meets the requirements of 
                paragraph (4)''.
            (3) Loan amount.--In subparagraph (D), by striking ``and 
        such closing costs'' and all that follows through ``prescribe'' 
        and inserting the following: ``and closing costs, which shall 
        include amounts paid as an origination fee, but not in excess 
        of 1 percent of the principal obligation of the loan, amounts 
        paid as a discount fee, but not in excess of 200 basis points, 
        any amounts required to be paid into escrow upon loan 
        origination, and such other closing costs as the Secretary may 
        prescribe''.
            (4) Elimination of income restriction.--In subparagraph 
        (H), as so redesignated by paragraph (1)(B) of this section, by 
        striking ``(3),''.
            (5) Loan requirements.--By inserting before subparagraph 
        (H), as so redesignated by paragraph (1)(B) of this section, 
        the following new subparagraphs:
                    ``(F) Prohibited loan terms.--The Secretary may not 
                require, for a refinancing loan to be eligible for a 
                guarantee under this paragraph--
                            ``(i) that an appraisal credit report or 
                        underwriting be conducted in connection with 
                        the loan; or
                            ``(ii) in the case of a loan described in 
                        clause (i) of subparagraph (A), that the 
                        residence in connection with which the loan is 
                        made be located in a rural area.
                    ``(G) Required loan terms.--The Secretary shall 
                require, for a refinancing loan to be eligible for a 
                guarantee under this paragraph, that--
                            ``(i) the borrower is not delinquent with 
                        respect to payment of the existing loan being 
                        refinanced; and
                            ``(ii) the monthly payments required by the 
                        borrower under the refinancing loan be at least 
                        $50 less than the monthly payments so required 
                        under the existing loan being refinanced.''.

SEC. 4. RECORDING OF LOANS.

    Section 501 of the Housing Act of 1949 (42 U.S.C. 1471) is amended 
by adding at the end the following new subsection:
    ``(k) Recording Requirements.--The Secretary shall provide that 
each loan made, insured, or guaranteed under this title shall be 
recorded, in accordance with any applicable State and local laws 
requiring recordation of loans, as a loan made, insured, or guaranteed 
(as appropriate) by the Department of Agriculture, and not as a 
conventional loan.''.

SEC. 5. RURAL AREA DEFINITION.

    Clause (3) of the first sentence of section 520 of the Housing Act 
of 1949 (42 U.S.C. 1490) is amended by striking ``and (A)'' and all 
that follows through ``moderate-income families,''.

SEC. 6. INCOME LIMITATION FOR DIRECT LOANS.

    The first sentence of paragraph (4) of section 501(b) of the 
Housing Act of 1949 (42 U.S.C. 1471(b)(4)) is amended by inserting 
before the period at the end the following: ``, except that in 
determining such respective levels for purposes of direct loans made 
under section 502, section 3(b)(2) of such Act (42 U.S.C. 1437a(b)(2)) 
shall be applied by substituting `150 percent' for `80 per centum' each 
place such term appears and by substituting `93.75 percent' for `50 per 
centum' each place such term appears''.
Example Output:
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.