Housing bill falls short of hype 

To hear national real estate trade groups tell it, the Housing and Economic Recovery Act of 2008 enacted eight weeks ago was the most important federal housing bill in the last 30 years. The National Association of Realtors, Mortgage Bankers Association and National Association of Home Builders were downright over-the-top in their praise of the bill's contents, the lofty results it was supposed to achieve and the branches of government that brought it about.

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