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.

Ex Input:
Revitalizing Older Communities Through Housing Improvements Act of 2004 - Amends the United States Housing Act of 1937 to authorize, under specified circumstances, a public housing agency to establish an increased voucher program payment standard in situations of: (1) low lease success rate or voucher holder concentration in high-poverty areas; and (2) disability accommodations.

Directs the Secretary of Housing and Urban Development to issue implementing regulations with respect to certain voucher program recommendations made by the Millenial Housing Commission.

Requires each housing assistance voucher contract to provide that it shall be a breach of contract for the owner to fail to pay State or local real estate taxes, fines, or assessments relating to an assisted dwelling unit or the building in which the unit is located.

Establishes the Commission to Revitalize Older Communities Through Housing Improvements which shall study and report on: (1) the public housing community service requirement; and (2) voucher concentration reduction. Terminates the Commission 30 days after report submission.

Ex Output:
To reform and improve the rental housing voucher program under section 8 of the United States Housing Act of 1937.


Ex Input:
Amends the Internal Revenue Code to allow affiliated life and non-life insurance companies to file consolidated tax returns.

Allows: (1) a phasein, between 2007 and 2013, of the full application of losses of affiliated non-life insurance companies against the taxable income of an affiliated life insurance company; and (2) an automatic waiver of the five-year waiting period applicable to affiliated non-life insurance companies for offset of their losses against life insurance company income.

Ex Output:
A bill to amend the Internal Revenue Code of 1986 to permit the consolidation of life insurance companies with other companies.


Ex Input:
Foreclosure Rescue Fraud Act of 2008 - Prohibits a foreclosure consultant from: (1) receiving compensation from a homeowner for services performed regarding residential real property until such consultant has fully performed each service contracted for; (2) holding power of attorney from any homeowner, except to inspect documents; (3) receiving consideration from a third party in connection with services rendered to a homeowner by such third party with respect to the foreclosure, unless such consideration is fully disclosed in writing before such services are rendered; (4) accepting any wage assignment, lien, or other security to secure compensation for services rendered regarding foreclosure of the residential real property; or (5) acquiring any interest in the residence of a homeowner with whom the consultant has contracted.

Sets forth contract requirements. Permits a homeowner to cancel such contract without penalty or obligation.

Declares void and unenforceable: (1) any waiver by a homeowner of the protections provided in this Act; and (2) any contract that does not comply with this Act.



Requires a loan servicer to notify a homeowner of the dangers of fraudulent activities associated with foreclosure if the servicer finds that the homeowner has failed to make two consecutive payments on a residential mortgage loan and such loan is at risk of foreclosure.

Subjects any foreclosure consultant who fails to comply with this Act to liability for actual and punitive damages and attorneys' fees.

Empowers the Federal Trade Commission (FTC) and the states to enforce this Act.

Ex Output:

A bill to protect the property and security of homeowners who are subject to foreclosure proceedings, and for other purposes.