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.

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

Towing Vessel Safety Act of 1996 - Amends Federal marine safety law to require the Secretary of Transportation, in prescribing regulations for towing vessels, to: (1) consider the characteristics and nature of the service of towing vessels; (2) consult with the Towing Safety Advisory Committee; and (3) require the installation of certain navigational safety equipment on each towing vessel (other than one used only for towing disabled vessels).
Revises the marine casualty reporting deadline to require that marine casualties be reported as soon as practicable, but in no case later than within five days (currently, within five days). Increases from $1,000 to up to $25,000 the civil penalty for vessel owners and operators for failing to report marine casualties.
Requires the Secretary to report to the Congress on the feasibility of establishing a differential global positioning satellite navigation system and creating electronic charts for U.S. inland waterways.
Revises antidiscrimination provisions to prohibit a vessel owner or operator from temporarily removing a seaman because he or she refuses in good faith to violate marine safety regulations.
Requires towing vessels to be: (1) manned by a licensed master; and (2) operated by a licensed individual. Directs the Secretary to prescribe regulations which establish licenses for masters and mates of such vessels, subject to specified conditions.
Subjects towing vessels to Federal inspection laws, with specified exceptions.
Increases civil penalties for violations of licensing (from $5,000 to $25,000) and manning (from $1,000 to up to $25,000) requirements committed by owners and operators of uninspected towing vessels.
Towing Vessel Safety Act of 1996

Precludes the Commission from recommending an increase in taxes or other revenues, or import restrictions on oil or other commodities.
Directs the Commission to detail its findings, conclusions and recommendations in a report to Congress and the President. Authorizes appropriations.
National Resource Governance Act of 2000