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.

Q: 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.

A: To amend section 502(h) of the Housing Act of 1949 to improve the rural housing loan guarantee program, and for other purposes.
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Q: Fair Access to Indemnity and Reimbursement Act - Amends the National Labor Relations Act and the Occupational Safety and Health Act to allow the recovery of attorney's fees and costs by certain employers and labor organizations who are prevailing parties in administrative proceedings brought against them by the National Labor Relations Board (NLRB) or before the Occupational Safety and Health Review Commission (OSHRC) or in court proceedings brought by or against the NLRB or OSHRC.  Requires that such employers or labor organizations have not more than 100 employees and a net worth of not more than $7 million at the time of such proceedings.  Provides for such recovery without regard to whether the position of the NLRB, the Secretary of Labor, or a court was substantially justified or special circumstances make an award unjust.

A: Fair Access to Indemnity and Reimbursement Act
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Q: Restoring Overtime Pay for Working Americans Act - Amends the Fair Labor Standards Act of 1938 (FLSA) to establish salary thresholds for the exemption of executive, administrative, and professional employees from federal minimum wage and maximum hour requirements (allowing these individuals to receive overtime pay.) Establishes salary thresholds also for exemption of highly compensated employees from these FLSA requirements, if the Secretary of Labor determines such employees may be exempted. Prescribes a fine for any employer who repeatedly or willfully violates the FLSA requirement to make, keep, and preserve records of employees and their wages, hours, and other conditions and practices of employment.

A:
Restoring Overtime Pay for Working Americans Act
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