mr. miller: mr. chairman, this bill is the right idea. we will not have a strong recovery until small businesses can again get ordinary loans to expand and hire new workers. but this bill leaves out an important industry. in past recessions the first industry to suffer from the recession and the first industry to come out of it was residential construction. home building. there is a reason that housing starts and building permits are leading economic indicators. home building will not lead us out of this recession no matter what we do. too much of the foolishness that led to the financial crisis was connected to housing. there are some markets that are hopelessly overbuilt. the inventory of new housing is a 42-year low, but in many markets there is a substantial overhang of existing houses and a shadow inventory of homes destined for foreclowshire. there are many markets where there is a real demand for new housing. and we won't have much of a recovery if we drrr residential construction along. home building has been 16% of our g.d.p. we

mr. miller: i yield four minutes to mr. cao from louisiana who is fighting for the needs of the district he represents. i praise him for doing this. the speaker pro tempore: the gentleman is recognized for four minutes. mr. cao: thank you, mr. speaker. i would like to thank the gentleman from california for yielding me time. mr. speaker, i rise today in support of h.r. 5569 to focus attention to an important issue that affects our constituents financially and economically. the national flood insurance program, nfip, has lapsed for the third time this year, meaning that life decision vs. to be put on hold leaving our constituents to wait out congressional action. i was in new orleans over the weekend, a constituent came up to me and sadly stated, i could not sell my home because the buyer could not purchase flood insurance. today i also read in new york news and world reports, that home sales have slipped 2% in may even though federal stimulus efforts kept%real estate actions unofficially elevated. one of the contributing el

mr. miller: thank you, mr. speaker. this bill is a huge step forward. working in middle-class families should not again have to worry that financial ruin works in the fine print of a contract that their bank's lawyer wrote. families that qualify for prime mortgages that they can pay will not again get trapped, again, in predatory subprime mortgages that they cannot pay. they can use a credit card without worry of getting gouged. they can have overdraft protection that is convenient as the banks say it is, that it should be, not a trap to run up indefensible fees. if this bill is properly enforced we can properly believe again that our government is on the side of americans trying to make an honest living. this bill is about our values. our economy depends on our acting in our own self-interest and enjoying the rewards of our efforts that every major religious -- on the stone tablets that moses brought from mount sinai there is one, thou shall not covet thy neighbors. while some have erred through the faith and pierced t

mr. miller w. whom i authored this amenent. this is a similar amendmen in fa it's idtical to o that was adopte viceote. there are proble with the -- some f.h.a. pgra. they are addressed in this bill. and there are some loosing prms. there are some programs that haven't worked out well. one program that has been a consistent money maker for the taer and one that has driven the marketplace to do good ings is the mtifamily loan prram. however that program limits that for how much the guarantee, ho much the loa can be guaranteed for has n risen as fast as the co in lot of cities. so what e weiner-mler amendment wod do is simply raise the limitso keep up with the cost and create somethi called an extreme ct area. the way the program works, essentially say this is a limit to which we will underwrite guarantee a loan fo new nstruction or modif a home. buif you have an artment building, four, five, 10, 100 units obviously the costs wd up goingn as you nd things like elevators and hvac, and what happens in places like los angeles and ne

mrs. miller: thank you. madam speaker, our national debt is over $13 trillion and our annual deficit is expected to be nearly $1.6 trillion this year alone. the american people have had enough of this out-of-control spending. and today house republicans offer another measure to cut spending that was chosen by the american people in the youcut program. this provision will cut funding for the i.r.s. which is authorized to hire thousands of new agents to enforce the unconstitutional individual health care mandate. this cut will save taxpayers up to $10 billion. the purpose of the health care law was supposed to be to reduce costs and make health care more affordable. does anyone truly believe that thousands of new i.r.s. agents will really reduce health care costs? the new i.r.s. agent's job will be to verify you have acceptable government approved health care or they have the authority to impose a fine of up to 2% of your income. what we need to do is to help t+ create new jobs, not hire an army of new i.r.s.

mr. miller of north carolina. the chair: a recorded vote has been requested. all those in favor of taking this vote by the yeas and nays will rise and remain standing until counted. a sufficient number having arisen, the recorded vote is ordered. members will record their votes by electronic device. members, this is a five-minute vote. five-minute vote. [captioning made possible by the national captioning institute, inc., in cooperation with the united states house of representatives. any use of the closed-captioned coverage of the house proceedings for political or commercial purposes is expressly prohibited by the u.s. house of representatives.] the chair: on this amendment the yeas were 418. three nays. the amendment is adopted. the question is on the amendment in the nature of a substitute as amended. those in favor say aye. those opposed, no. the ayes have it. the amendment is adopted. accordingly, under the rule the committee rises. the speaker pro tempore: mr. chairman. the chair: mr. speaker, the committee of the whole house on the state of the union h

mrs. miller: i ask permission to address the house for one minute. the speaker pro tempore: without objection, the gentlewoman is recognized. ms. kilpatrick: over 14 million americans are unemployed. unemployed in the last three years. many are long-term unemployed. we need an emergency bill that will put people back to work. in the 1970's and 1980's, president reagan, president carter started a comprehensive training act. put $50 million in it and hired 20 million americans across the country. we need such a jobs bill today. this congress has done something. the president has worked with us and we've passed legislation and bills that have helped small business to hire and to get tax incentives. but what america needs is to address the emergency now. home sales are down, foreclosures are up, americans want to work. it's our responsibility that we help them do so. today, let's pass a real jobs bill, similar to the comprehensive employment and training act. is it an emergency? yes, it is. should it be offset? are the american people an emergency? i bel

mr. miller of north carolina and we didn't tell him we'd vote for im. i wish i could have it back. i wish i knew i was secretely in charge of the republican agenda. i wish i knew they wouldn't do anything unless i said they could but nobody told me. where were they when i needed thome to be more powerful. the republicans never checked with me as to what they were supposed to do. it's 2007, we did pass such a bill to restrict subprime lending and the wall street journal attacked us. they said it was a sarbanes-oxley for housing. sarbanes-oxley is about as nasty as you can get for "the wall street journal" and here's what they said about subprime lending in 2007. maybe that's what george bush expanded subprime lending. the "wall street journal" said in 2007, complaining about our will, for all the demonizing about 80% of even subprime loans are being paid on time and another 10% only 30 days behind. most new homeowners are low income families who would otherwise not have qualified for a mortgage. in the name of consumer protection, mr. frank's legislation will ensure that far fewer o

mr. miller: i thanthe like to commend congresswoman woolsey for leadership on the work-life balae issues and her capacis chair of the rk force protection subcommittee. her commitme othese imrtant ises ia grt asset tthe educatand labor i am pleased to sve wh her in suorting legislation befe usoday to recognize family riendly workplaces the work-life balance act will recognize employers of any size for thr emplary work-life balance policies, not only will the awardet atandarfor beractes, it will shine a much-need lht on the concernsf working families. over the past0 yes, america's working families have changed cralmt you -- dramatically. while once a single bread winn could support a mide class family, todayhat siation appea to be a relic of th past. omenow make up half of the work force share a great sponsility for finclly supporting the mily. while womenow arel partne ioving for families, many rein the primary care giver for thei children and other fily meers. balancing a career and family responsibilies can seem impossie atimes butn todas economy, achieving balance isecessary. and women

miller. the speaker pro tempore: for what purpose does the gentleman from arkansas seek rick nigs? >> mr. speaker, i ask unanimous consent that today following legislative business and any special orders heretofore entered into, the following members may be permitted to address the house, revise and extends their remarks and include therein extraneous material. mr. boozman: mr. poe, july 2 for five minutes, mr. jones, july 2 for five minutes, mr. burton, july 2 for five minutes, mr. mack today for five minutes, mr. boozman today for five minutes, ms. ros-lehtinen today and june 30 for five minutes, mr. olson today for five minutes, mr. forbes, june 29 for five minutes. mr. mchenry, june 29 and 30, july 1 and 2 for five minutes each. the speaker pro tempore: without objection, so ordered. the speaker pro tempore: u.n. of january 6, 2009, the following members are recognized for five minutes each. mr. poe from texas, mr. burton from indiana, mr. mack of florida. for what purpose does the gentleman rise? the gentleman is recognized for five minutes. mr. boozman: thank you, mr. speaker. as th

mr. mcgovern said, they have a corrupt government, there's not anything we can do to take a country that's never been a nation to make it a nation. and, madam speaker, i along with congressman jeff miller and congressman doug lamborn, have asked the chairman and the ranking member of the armed services committee to hold classified hearings on what's called rules of engagement. i wish i could read this entire article, but i can't because of time. but i want to read the close of george will's column and george will is a conservative. president obama has counted on his 2011 runup to re-election being smooth by three developments in 2010, the health care legislation becoming popular after enactment, job creation acceleration briskly and afghanistan conditions improving significantly. i further read, the first two are not happening. he can decisively influence