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


question:
Foreign Oil Displacement Act of 2010 - Amends the Internal Revenue Code to: (1) allow a tax credit for investment in a carbonaceous fuels facility; (2) allow a new 30% tax credit for investment in a carbonaceous fuels conversion facility; and (3) exempt from the manufacturer's excise tax on fuels carbonaceous fuel or any portion of a blend that is carbonaceous fuel. Defines "carbonaceous fuels conversion facility" as a facility for producing fuels from nonconventional sources using coal, including peat and any byproduct (including synthetic gas) or chemical that is from a coal, culm, or silt preparation facility and that contains fixed carbon derived from coal.
answer:
To amend the Internal Revenue Code of 1986 to provide an investment credit to promote the conversion of United States coal and domestic carbonaceous feedstocks into synthetic fuels and synthetic gas.


question:
Job Impact Analysis Act of 2010 - Amends the Congressional Budget and Impoundment Control Act of 1974 to require the Director of the Congressional Budget Office (CBO) to include in the statement submitted to an authorizing congressional committee for a public bill or joint resolution reported by that committee for which estimated direct costs of all federal intergovernmental mandates, or all federal private sector mandates, will equal or exceed $5 billion (adjusted annually for inflation) estimates of the potential job creation or job loss in state, local, and tribal governments, or in the private sector, as a result of such mandates.

Amends the Regulatory Flexibility Act to require: (1) each initial regulatory flexibility analysis to contain a detailed statement estimating the additional cumulative economic impact of the proposed rule on small businesses; (2) an agency to notify the Chief Counsel for Advocacy of the Small Business Administration (SBA) of any draft rules that may have a significant economic impact on a substantial number of small businesses; (3) each final regulatory flexibility analysis to include the agency's response to any comments filed by the Chief Counsel in response to the proposed rule; and (4) the agency to publish the final regulatory flexibility analysis on its website.

Requires each agency: (1) to place on its website its plan for the periodic review of rules, providing for the review of all agency rules at specified intervals; and (2) in reviewing the rules, to consider specified factors, including the continued need for the rule, the nature of complaints received, and the rule's complexity and current impact.

Requires: (1) the Office of Advocacy of the SBA to carry out responsibilities concerning the analysis of regulatory functions; (2) each federal budget to include a separate statement of the amount requested for the Office, designated in a separate account in the General Fund of the Treasury; and (3) the SBA Administrator to provide the Office with appropriate office space and necessary equipment, operating budget, communications, and maintenance services.
answer:

A bill to ensure that the creation of jobs by small businesses is considered during the Federal legislative and rulemaking process, and for other purposes.