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: Bias Crimes Compensation Act of 1997 - Declares that all individuals within the United States, and its special maritime and territorial jurisdiction, shall have the right to be free from bias-motivated crimes of violence.
Makes any person, including one who acts under color of any statute, ordinance, regulation, custom, or usage of any State, who deprives an individual of such right, liable to the individual injured, in a civil action in any court of competent jurisdiction, for compensatory damages of not less than $100,000, punitive damages, injunctive relief, declaratory relief, or any combination thereof.
Specifies that nothing in this Act: (1) entitles an individual to a claim herein for random acts of violence unrelated to bias or for acts that cannot be demonstrated, by a preponderance of the evidence, to be bias-motivated crimes of violence; and (2) requires a prior criminal complaint, prosecution, or conviction to establish the necessary elements of such a claim.
Grants the Federal and State courts concurrent jurisdiction over actions brought under this Act.
Prohibits a civil action in State court arising under this Act from being removed to U.S. district court.
Authorizes the court to award attorney's fees to the prevailing party in cases brought under this Act, subject to specified limitations.

A: Bias Crimes Compensation Act of 1997
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Q: Bisti-De-Na-Zin Wilderness Expansion and Fossil Forest Protection Act - Amends the San Juan Wilderness Protection Act of 1984 to incorporate additional lands in New Mexico into the Bisti/De-Na-Zin Wilderness. Withdraws such lands from all forms of appropriation under the mining laws and from disposition under laws pertaining to mineral and geothermal leasing and mineral material sales.
Authorizes the Secretary of the Interior to issue coal leases in New Mexico in exchange for any preference right coal lease application on such lands after a determination has been made by the Secretary that the applicant is entitled to a preference right lease and that the exchange is in the public interest.
Provides for the exchange of State and Navajo Indian lands located in the wilderness for other lands.
Establishes the Fossil Forest Research Natural Area within New Mexico. Makes such area subject to the same withdrawal requirements and coal preference rights as the wilderness area designated under this Act. Prohibits livestock grazing in the Area.
Directs the Secretary, acting through the Director of the Bureau of Land Management, to develop a baseline inventory of all categories of fossil resources within the Area and to conduct monitoring surveys. Requires the Secretary to submit a management plan for the Area to the Senate Committee on Energy and Natural Resources and the House Committee on Interior and Insular Affairs to include: (1) a plan for the implementation of a cooperative program with other agencies for laboratory and field interpretation and public education; (2) provisions for vehicle management; (3) procedures for the excavation and collection of fossil remains; and (4) mitigation and reclamation standards for activities that disturb the surface to the detriment of scenic and environmental values.

A:
Bisti/De-Na-Zin Wilderness Expansion and Fossil Forest Protection Act
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