t homing finance reform legislation has been introduced in the 115th Congress. • H.R. 916 (Sanford, R-SC: Sherman, D-CA), the "Risk Management and Homeownenhip Stability Act," prohibits the use of g-fees as offsets for government spending. S. 838 (Cotton, R-AR) and H.R. 1958 (Royce, R-CA: Sherman, D-CA) both entitled t