One of the many requirements of the Dodd-Frank Act is that all federal agencies must remove references to and reliance on credit ratings from their regulations and replace them with alternative methods for evaluating creditworthiness. 

President Obama in his State of the Union Address proposed that legislation be passed authorizing FHA to provide all homeowners that are current on their mortgage the opportunity to refinance at today's record low rates.

The inability to reach consensus has been a central obstacle to a Doha agreement in the World Trade Organization, so it is worthwhile to consider alternative paths to advance without complete agreement from all 153 members of the WTO.

Alternatives to traditional energy sources are still too expensive.

Often failing to fulfill its assigned mandates and unable to implement the initiatives it has begun, the UN's World Health Organization desperately needs to reform.

The B.A. has become the union card for social respectability.

The House has passed its GSE reform bill by 331 votes to 90, but the Senate bill is stalled.

The purpose of this paper is to explore the ways in which the supplement-notsupplant requirement works against the goals of Title I and to offer suggestions for alternatives that better promote the responsible use of Title I funds.