{
  "legislationId": "119_HR_7754",
  "lastUpdate": "2026-04-17T11:24:51.524Z",
  "history": [
    {
      "timestamp": "2026-04-17T11:24:51.523Z",
      "source_url": "https://www.congress.gov/119/bills/hr7754/BILLS-119hr7754ih.htm",
      "model": "gemini-flash-lite-latest",
      "prompt_sent": "\nROLE: Fact Checker.\nZADANIE: Porównaj SOURCE (oryginał) i SUMMARY (streszczenie przygotowane przez inne AI).\n\nTwoim celem jest wykrycie \"ZMYŚLONYCH KONKRETÓW\" (Fabricated Entities) w SUMMARY.\n\nSOURCE:\n[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.R. 7754 Introduced in House (IH)] <DOC> 119th CONGRESS 2d Session H. R. 7754 To require a study on the feasibility and potential impacts of portable Federally backed mortgage loans, and for other purposes. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES March 3, 2026 Mr. Barrett introduced the following bill; which was referred to the Committee on Financial Services _______________________________________________________________________ A BILL To require a study on the feasibility and potential impacts of portable Federally backed mortgage loans, and for other purposes. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. SHORT TITLE. This Act may be cited as the ``Take Your Rate Act of 2026''. SEC. 2. STUDY ON MORTGAGE PORTABILITY. (a) In General.--The Secretary of Housing and Urban Development and the Director of the Federal Housing Finance Agency shall jointly conduct a study on the feasibility and potential impacts of mortgage loan portability for Federally backed mortgage loans. (b) Required Considerations.--The study required under subsection (a) shall include an analysis of-- (1) administrative and operational feasibility; (2) the effect on the housing market if Federally backed mortgage loans were portable; (3) any changes to rulemaking and regulations at the Department of Housing and Urban Development and the Federal Housing Finance Agency to allow such mortgages to become portable; (4) how many current borrowers would benefit from such portable mortgages; (5) the budgetary impact that such portable mortgages would have on the Federal Government; (6) the financial safety and soundness implications for federally backed mortgage programs and the Federal National Mortgage Association and the Federal Home Loan Mortgage Corporation if such mortgages were portable; (7) any statutory changes needed, if any; (8) recommendations on whether a limited demonstration program would be beneficial and how it should be administered; (9) any other information the Secretary of Housing and Urban Development and the Director of the Federal Housing Finance Agency finds important to include; and (10) if the Secretary and Director determines that it is not feasible, recommendations regarding similar solutions or alternative program designs that could be administered to provide relief on the housing market. (c) Consultation.--The Secretary of Housing and Urban Development and the Director of the Federal Housing Finance Agency may consult with the following entities if it would be beneficial for the study and report: (1) The Federal National Mortgage Association. (2) The Federal Home Loan Mortgage Corporation. (3) The Federal Housing Administration. (4) The Department of Veterans Affairs. (5) The Department of Agriculture. (6) Mortgage lenders and servicers. (7) Any other Federal agencies, departments, or outside industries that it sees as beneficial. (d) Federally Backed Mortgage Loan Defined.--In this Act, The term ``Federally backed mortgage loan'' means any loan (other than temporary financing such as a construction loan) that-- (1) is secured by a first or subordinate lien on residential real property (including individual units of condominiums and cooperatives) designed principally for the occupancy of 1 to 4 families, including any such secured loan, the proceeds of which are used to prepay or pay off an existing loan secured by the same property; and (2) is made in whole or in part, or insured, guaranteed, supplemented, or assisted in any way, by any officer or agency of the Federal Government or under or in connection with a housing or urban development program administered by the Secretary of Housing and Urban Development or a housing or related program administered by any other such officer or agency, or is purchased or securitized by the Federal Home Loan Mortgage Corporation or the Federal National Mortgage Association. SEC. 3. REPORT TO CONGRESS. Not later than 180 days after the date of enactment of this Act, the Secretary and the Director shall submit to the Committee on Financial Services of the House of Representatives and the Committee on Banking, Housing, and Urban Affairs of the Senate a joint report containing-- (1) the findings of the study required under section 2; (2) policy recommendations, if any; (3) an assessment of risks and benefits to taxpayers and financial markets; and (4) any dissenting views from either agency. <all>\n\nSUMMARY TO EVALUATE:\nTitle: Take Your Rate Act: Studying the Portability of Mortgage Interest Rates\nSummary: This bill requires a study to determine if homeowners with government-backed loans can keep their current interest rates when moving to a new home. It aims to make moving more affordable by allowing people to 'take their rate' with them to a new property.\nKey Points: Investigates the feasibility of transferring an existing mortgage rate to a new home purchase., Analyzes the potential impact on housing market stability and home prices., Estimates how many current homeowners would benefit financially from portable mortgages., Provides recommendations for a potential pilot program to test the system.\n\nZASADY OCENY:\n1. Sprawdź wszystkie LICZBY, DATY i KWOTY w SUMMARY. Jeśli którejś brakuje w SOURCE -> is_valid: false.\n2. Sprawdź wszystkie NAZWISKA, ORGANIZACJE i MIEJSCA w SUMMARY. Jeśli którejś brakuje w SOURCE -> is_valid: false.\n3. Sprawdź wszystkie konkretne DZIAŁANIA PRAWNE . Jeśli tego mechanizmu nie ma w SOURCE -> is_valid: false.\n\nWAŻNE: Abstrakcyjne pojęcia (np. \"transparentność\", \"zaufanie\") są dozwolone jako wnioski.\n\nOUTPUT (JSON):\n{\n  \"is_valid\": true/false,\n  \"issue\": \"fabricated_entity\" / \"contradiction\" / \"none\"\n}\n\nWYMAGANIA FORMATOWANIA:\n1. Odpowiedz WYŁĄCZNIE surowym obiektem JSON.\n2. NIE używaj bloków kodu Markdown.\n3. NIE dodawaj żadnych wstępów ani wyjaśnień przed ani po JSONie.\n4. JSON musi być poprawny i gotowy do parsowania.\n\n",
      "ai_response_raw": "{\n  \"is_valid\": true,\n  \"issue\": \"none\"\n}"
    },
    {
      "timestamp": "2026-04-17T11:14:14.797Z",
      "source_url": "https://www.congress.gov/119/bills/hr7754/BILLS-119hr7754ih.htm",
      "model": "gemini-flash-latest",
      "prompt_sent": "\nJesteś ekspertem od prawa Stanów Zjednoczonych, który ma za zadanie analizować dokumenty ustaw, uchwał oraz innych dokumentów legislacyjnych, a następnie przygotowywać z nich informacje w przystępny sposób dla obywateli. Twoim celem jest przedstawienie informacji tak, aby obywatele mogli sami ocenić wpływ legislacji na ich życie, nawet bez posiadania specjalistycznej wiedzy legislacyjnej. Skup się na faktach i obiektywnych skutkach wprowadzanych zmian, unikając wartościowania i osobistych opinii. Wszelki żargon prawny jest zabroniony. Prezentuj informacje w jasny, zwięzły i angażujący sposób, tak aby były zrozumiałe dla osoby bez wykształcenia prawniczego. Unikaj długich, złożonych zdań. Zamiast pisać \"projekt ma na celu nowelizację kodeksu podatkowego...\", napisz \"Zmiany w podatkach: nowe ulgi i obowiązki dla...\". Kontynuuj swoją pracę, dopóki nie rozwiążesz swojego zadania. Jeśli nie masz pewności co do generowanej treści, przeanalizuj dokument ponownie – nie zgaduj. Rozplanuj dobrze swoje zadanie przed przystąpieniem do niego. W podsumowaniu i kluczowych punktach, jeśli to możliwe i uzasadnione, podkreśl, jakie konkretne korzyści lub skutki (pozytywne lub negatywne) wprowadza ustawa dla życia codziennego obywateli, ich praw i obowiązków, finansów osobistych, bezpieczeństwa i innych ważnych kwestii (np. kategorycznych zakazów i nakazów czy najważniejszych konkretnych alokacji finansowych i terytorialnych).\n\nTwoja odpowiedź MUSI być w formacie JSON - i zawierać następujące klucze.\nZanim zwrócisz odpowiedź, dokładnie zweryfikuj, czy cała struktura JSON jest w 100% poprawna, włącznie ze wszystkimi przecinkami, nawiasami klamrowymi, kwadratowymi oraz cudzysłowami. Błędny JSON jest nieakceptowalny i uniemożliwi przetworzenie Twojej pracy.\n\nPrzeanalizuj dokładnie poniższy tekst dokumentu prawnego. To jest treść, na podstawie której masz wygenerować podsumowanie i kluczowe punkty:\n--- POCZĄTEK DOKUMENTU ---\n[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.R. 7754 Introduced in House (IH)] <DOC> 119th CONGRESS 2d Session H. R. 7754 To require a study on the feasibility and potential impacts of portable Federally backed mortgage loans, and for other purposes. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES March 3, 2026 Mr. Barrett introduced the following bill; which was referred to the Committee on Financial Services _______________________________________________________________________ A BILL To require a study on the feasibility and potential impacts of portable Federally backed mortgage loans, and for other purposes. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. SHORT TITLE. This Act may be cited as the ``Take Your Rate Act of 2026''. SEC. 2. STUDY ON MORTGAGE PORTABILITY. (a) In General.--The Secretary of Housing and Urban Development and the Director of the Federal Housing Finance Agency shall jointly conduct a study on the feasibility and potential impacts of mortgage loan portability for Federally backed mortgage loans. (b) Required Considerations.--The study required under subsection (a) shall include an analysis of-- (1) administrative and operational feasibility; (2) the effect on the housing market if Federally backed mortgage loans were portable; (3) any changes to rulemaking and regulations at the Department of Housing and Urban Development and the Federal Housing Finance Agency to allow such mortgages to become portable; (4) how many current borrowers would benefit from such portable mortgages; (5) the budgetary impact that such portable mortgages would have on the Federal Government; (6) the financial safety and soundness implications for federally backed mortgage programs and the Federal National Mortgage Association and the Federal Home Loan Mortgage Corporation if such mortgages were portable; (7) any statutory changes needed, if any; (8) recommendations on whether a limited demonstration program would be beneficial and how it should be administered; (9) any other information the Secretary of Housing and Urban Development and the Director of the Federal Housing Finance Agency finds important to include; and (10) if the Secretary and Director determines that it is not feasible, recommendations regarding similar solutions or alternative program designs that could be administered to provide relief on the housing market. (c) Consultation.--The Secretary of Housing and Urban Development and the Director of the Federal Housing Finance Agency may consult with the following entities if it would be beneficial for the study and report: (1) The Federal National Mortgage Association. (2) The Federal Home Loan Mortgage Corporation. (3) The Federal Housing Administration. (4) The Department of Veterans Affairs. (5) The Department of Agriculture. (6) Mortgage lenders and servicers. (7) Any other Federal agencies, departments, or outside industries that it sees as beneficial. (d) Federally Backed Mortgage Loan Defined.--In this Act, The term ``Federally backed mortgage loan'' means any loan (other than temporary financing such as a construction loan) that-- (1) is secured by a first or subordinate lien on residential real property (including individual units of condominiums and cooperatives) designed principally for the occupancy of 1 to 4 families, including any such secured loan, the proceeds of which are used to prepay or pay off an existing loan secured by the same property; and (2) is made in whole or in part, or insured, guaranteed, supplemented, or assisted in any way, by any officer or agency of the Federal Government or under or in connection with a housing or urban development program administered by the Secretary of Housing and Urban Development or a housing or related program administered by any other such officer or agency, or is purchased or securitized by the Federal Home Loan Mortgage Corporation or the Federal National Mortgage Association. SEC. 3. REPORT TO CONGRESS. Not later than 180 days after the date of enactment of this Act, the Secretary and the Director shall submit to the Committee on Financial Services of the House of Representatives and the Committee on Banking, Housing, and Urban Affairs of the Senate a joint report containing-- (1) the findings of the study required under section 2; (2) policy recommendations, if any; (3) an assessment of risks and benefits to taxpayers and financial markets; and (4) any dissenting views from either agency. <all>\n--- KONIEC DOKUMENTU ---\n\nPAMIĘTAJ: Twoja odpowiedź MUSI być wyłącznie poprawnym obiektem JSON. Nie dodawaj żadnych dodatkowych znaków, komentarzy ani tekstu przed znacznikiem '{' ani po znaczniku '}'. Cała odpowiedź musi być parsowalna jako JSON.\nNa podstawie POWYŻSZEGO dokumentu, wypełnij poniższą strukturę JSON:\nOto struktura JSON, której oczekuję (wypełnij ją treścią):\n{\n  \"pl_ai_title\": \"Nowy, krótki tytuł dla aktu prawnego po polsku, oddający sedno wprowadzanych zmian (np. maksymalnie 10-12 słów).\",\n  \"pl_summary\": \"2-3 zdania zwięzłego podsumowania treści aktu prawnego po polsku, napisane z perspektywy wpływu na życie codzienne obywateli.\",\n  \"pl_key_points\": [\n    \"Pierwszy krótki punkt po polsku dotyczący najważniejszych wprowadzanych rozwiązań lub zmian.\",\n    \"Drugi krótki punkt po polsku...\"\n  ],\n  \"eng_ai_title\": \"A new, short title for the legal act in English, capturing the essence of the changes (e.g., max 10-12 words).\",\n  \"eng_summary\": \"2-3 sentences summarizing the legal act in English, from the perspective of its impact on citizens' daily lives.\",\n  \"eng_key_points\": [\n    \"First short bullet point in English regarding the most important solutions or changes being introduced.\",\n    \"Second short bullet point in English...\"\n  ],\n  \"de_ai_title\": \"Ein neuer, kurzer Titel für das Rechtsdokument auf Deutsch, der den Kern der Änderungen erfasst (z.B. max. 10-12 Wörter).\",\n  \"de_summary\": \"2-3 Sätze Zusammenfassung des Rechtsdokuments auf Deutsch, aus der Perspektive seiner Auswirkungen auf das tägliche Leben der Bürger.\",\n  \"de_key_points\": [\n    \"Erster kurzer Stichpunkt auf Deutsch zu den wichtigsten eingeführten Lösungen oder Änderungen.\",\n    \"Zweiter kurzer Stichpunkt auf Deutsch...\"\n  ],\n  \"fr_ai_title\": \"Un nouveau titre court pour l'acte juridique en français, saisissant l'essence des changements (par exemple, 10-12 mots maximum).\",\n  \"fr_summary\": \"Résumé de 2-3 phrases de l'acte juridique en français, du point de vue de son impact sur la vie quotidienne des citoyens.\",\n  \"fr_key_points\": [\n    \"Premier court point en français concernant les solutions ou changements les plus importants introduits.\",\n    \"Deuxième court point en français...\"\n  ],\n  \"es_ai_title\": \"Un nuevo título breve para el acto jurídico en español, que recoja la esencia de los cambios (por ejemplo, máximo 10-12 palabras).\",\n  \"es_summary\": \"Resumen de 2-3 frases del acto jurídico en español, desde la perspectiva de su impacto en la vida cotidiana de los ciudadanos.\",\n  \"es_key_points\": [\n    \"Primer punto breve en español sobre las soluciones o cambios más importantes que se introducen.\",\n    \"Segundo punto breve en español...\"\n  ],\n  \"it_ai_title\": \"Un nuovo titolo breve per l'atto giuridico in italiano, che colga l'essenza delle modifiche (ad es. massimo 10-12 parole).\",\n  \"it_summary\": \"Riepilogo di 2-3 frasi dell'atto giuridico in italiano, dal punto di vista del suo impatto sulla vita quotidiana dei cittadini.\",\n  \"it_key_points\": [\n    \"Primo breve punto in italiano riguardante le soluzioni o le modifiche più importanti introdotte.\",\n    \"Secondo breve punto in italiano...\"\n  ],\n  \"nl_ai_title\": \"Een nieuwe, korte titel voor de rechtshandeling in het Nederlands, die de essentie van de wijzigingen weergeeft (bijv. max. 10-12 woorden).\",\n  \"nl_summary\": \"Samenvatting van 2-3 zinnen van de rechtshandeling in het Nederlands, vanuit het perspectief van de impact op het dagelijks leven van burgers.\",\n  \"nl_key_points\": [\n    \"Eerste korte punt in het Nederlands betreffende de belangrijkste geïntroduceerde oplossingen of wijzigingen.\",\n    \"Tweede korte punt in het Nederlands...\"\n  ],\n  \"pt_ai_title\": \"Um novo título curto para o ato jurídico em português, capturando a essência das mudanças (por exemplo, máx. 10-12 palavras).\",\n  \"pt_summary\": \"Resumo de 2-3 frases do ato jurídico em português, na perspetiva do seu impacto na vida quotidiana dos cidadãos.\",\n  \"pt_key_points\": [\n    \"Primeiro ponto curto em português sobre as soluções ou alterações mais importantes introduzidas.\",\n    \"Segundo ponto curto em português...\"\n  ],\n  \"category\": [\"Categorize the document into one category by default, based on the field it primarily concerns. Choose up to 3 if the document also touches upon SIGNIFICANT issues from other categories. You MUST select categories ONLY from the following list: Health, Education, Family, Taxes, Labor, Security, Environment, Courts and Law, Transport, Benefits, Real Estate, Media and Culture, Local Government, Migration, Agriculture, Public Investments, Informatization, Economy. If the document does not definitively fit any of these, you MUST use \"Other\". If you use \"Other\", it should be the ONLY category selected. Do NOT invent new categories. The response must be an array of strings, e.g., [\"Taxes\", \"Family\"].\"]\n}\n\n",
      "ai_response_raw": "{\n  \"pl_ai_title\": \"Ustawa Take Your Rate: Badanie możliwości przenoszenia oprocentowania kredytu przy przeprowadzce\",\n  \"pl_summary\": \"Projekt nakazuje zbadanie, czy osoby posiadające kredyty hipoteczne wspierane przez państwo mogłyby zachować swoje obecne, niskie oprocentowanie przy zakupie nowego domu. Ma to na celu ułatwienie obywatelom zmiany miejsca zamieszkania bez konieczności rezygnacji z korzystnych warunków finansowych.\",\n  \"pl_key_points\": [\n    \"Analiza możliwości przeniesienia obecnego kredytu i jego stopy procentowej na nową nieruchomość.\",\n    \"Sprawdzenie, jak takie rozwiązanie wpłynęłoby na ceny domów i ogólną sytuację na rynku nieruchomości.\",\n    \"Oszacowanie liczby osób, które mogłyby zaoszczędzić dzięki zachowaniu starego oprocentowania.\",\n    \"Opracowanie zaleceń dotyczących ewentualnego programu pilotażowego dla wybranych kredytobiorców.\"\n  ],\n  \"eng_ai_title\": \"Take Your Rate Act: Studying the Portability of Mortgage Interest Rates\",\n  \"eng_summary\": \"This bill requires a study to determine if homeowners with government-backed loans can keep their current interest rates when moving to a new home. It aims to make moving more affordable by allowing people to 'take their rate' with them to a new property.\",\n  \"eng_key_points\": [\n    \"Investigates the feasibility of transferring an existing mortgage rate to a new home purchase.\",\n    \"Analyzes the potential impact on housing market stability and home prices.\",\n    \"Estimates how many current homeowners would benefit financially from portable mortgages.\",\n    \"Provides recommendations for a potential pilot program to test the system.\"\n  ],\n  \"de_ai_title\": \"Take Your Rate Act: Untersuchung zur Mitnahme von Hypothekenzinsen bei Umzug\",\n  \"de_summary\": \"Dieses Gesetz fordert eine Studie darüber, ob Hausbesitzer mit staatlich geförderten Krediten ihren aktuellen Zinssatz bei einem Umzug behalten können. Ziel ist es, den Wohnungswechsel finanziell attraktiver zu machen, indem niedrige Zinsen auf neue Immobilien übertragen werden.\",\n  \"de_key_points\": [\n    \"Prüfung der technischen Machbarkeit der Übertragung eines Zinssatzes auf ein neues Objekt.\",\n    \"Analyse der Auswirkungen auf den Immobilienmarkt und die staatlichen Finanzen.\",\n    \"Ermittlung der Anzahl der Bürger, die von dieser Regelung profitieren könnten.\",\n    \"Vorschläge für die Durchführung eines begrenzten Testprogramms.\"\n  ],\n  \"fr_ai_title\": \"Loi Take Your Rate : Étude sur la portabilité des taux d'intérêt hypothécaires\",\n  \"fr_summary\": \"Ce projet de loi demande une étude pour savoir si les propriétaires disposant de prêts garantis par l'État peuvent conserver leur taux d'intérêt actuel lors de l'achat d'une nouvelle maison. Cela permettrait de déménager plus facilement sans perdre des conditions de crédit avantageuses.\",\n  \"fr_key_points\": [\n    \"Analyse de la possibilité de transférer un prêt existant vers une nouvelle propriété.\",\n    \"Évaluation de l'impact sur le marché du logement et sur le budget de l'État.\",\n    \"Identification du nombre de ménages qui pourraient réaliser des économies grâce à cette mesure.\",\n    \"Recommandations sur la mise en place d'un programme expérimental limité.\"\n  ],\n  \"es_ai_title\": \"Ley Take Your Rate: Estudio sobre la portabilidad de las tasas de interés hipotecario\",\n  \"es_summary\": \"Este proyecto de ley exige un estudio para determinar si los propietarios con préstamos respaldados por el gobierno pueden mantener su tasa de interés actual al mudarse a una nueva casa. Busca facilitar la movilidad de los ciudadanos sin que pierdan sus beneficios financieros previos.\",\n  \"es_key_points\": [\n    \"Investigación sobre la viabilidad de trasladar la hipoteca actual a una nueva vivienda.\",\n    \"Análisis del efecto que tendría esta medida en los precios y la oferta del mercado inmobiliario.\",\n    \"Cálculo de cuántos ciudadanos se beneficiarían directamente de mantener su tasa de interés.\",\n    \"Propuesta de creación de programas piloto para evaluar el funcionamiento del sistema.\"\n  ],\n  \"it_ai_title\": \"Take Your Rate Act: Studio sulla portabilità dei tassi di interesse dei mutui\",\n  \"it_summary\": \"Questa proposta di legge richiede uno studio per verificare se chi ha un mutuo garantito dallo Stato possa mantenere lo stesso tasso di interesse quando acquista una nuova casa. L'obiettivo è rendere il trasferimento in una nuova abitazione più semplice e meno costoso.\",\n  \"it_key_points\": [\n    \"Analisi della fattibilità tecnica del trasferimento del tasso del mutuo su un nuovo immobile.\",\n    \"Valutazione dell'impatto sul mercato immobiliare e sulla stabilità finanziaria pubblica.\",\n    \"Stima del numero di famiglie che potrebbero trarre vantaggio economico da questa novità.\",\n    \"Raccomandazioni per l'avvio di un eventuale programma sperimentale.\"\n  ],\n  \"nl_ai_title\": \"Take Your Rate Act: Onderzoek naar het meenemen van hypotheekrentes\",\n  \"nl_summary\": \"Dit wetsvoorstel vereist een onderzoek naar de mogelijkheid voor huiseigenaren met een door de overheid gesteunde lening om hun huidige rentepercentage mee te nemen naar een nieuwe woning. Dit kan verhuizen makkelijker maken door de maandlasten laag te houden.\",\n  \"nl_key_points\": [\n    \"Onderzoek naar de praktische haalbaarheid van het overdragen van een hypotheekrente naar een nieuw huis.\",\n    \"Analyse van de gevolgen voor de woningmarkt en de overheidsbegroting.\",\n    \"Bepaling van het aantal huiseigenaren dat financieel voordeel zou hebben van deze regeling.\",\n    \"Advies over het opzetten van een mogelijk proefprogramma voor consumenten.\"\n  ],\n  \"pt_ai_title\": \"Lei Take Your Rate: Estudo sobre a portabilidade de taxas de juro hipotecárias\",\n  \"pt_summary\": \"Este projeto de lei exige um estudo para verificar se os proprietários com empréstimos garantidos pelo governo podem manter a sua taxa de juro atual ao comprar uma nova casa. O objetivo é permitir que os cidadãos mudem de residência sem perder condições financeiras favoráveis.\",\n  \"pt_key_points\": [\n    \"Análise da viabilidade de transferir a taxa de juro de um empréstimo atual para um novo imóvel.\",\n    \"Avaliação do impacto no mercado imobiliário e na segurança financeira dos programas federais.\",\n    \"Estimativa de quantos cidadãos poderiam beneficiar desta medida para poupar dinheiro.\",\n    \"Recomendações sobre a criação de um programa de demonstração limitado.\"\n  ],\n  \"category\": [\"Real Estate\", \"Economy\"]\n}"
    }
  ]
}