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Originally Processed With FOIA(s): FOIA Number: S S FOIA MARKER This is not a textual record. This is used as an administrative marker by the George Bush Presidential Library Staff. Record Group/Collection: George H.W. Bush Presidential Records Collection/Office of Origin: Speechwriting, White House Office of Series: Speech File Draft Files Subseries: Chron File, 1989-1993 OA/ID Number: 13601 Folder ID Number: 13601-001 Folder Title: National Association of Homebuilders Teleconference 1/24/92 [OA 6096] Stack: Row: Section: Shelf: Position: G 26 17 6 2 156 Jan. 24 / Administration of George Bush, 1992 Commander Grabe. The question was, Teleconference With the National how do we feel in space? Association of Home Builders The President. Yes. January 24, 1992 Commander Grabe. Well, in space it takes a little bit of time to get used to it. The President. Thank you so much. And, When you first get up, you might feel just Mark, thank you for those very kind words. the slightest bit queasy or so. But by about And I wish I were there in person, but from today-this is our third day in space-we're a distance, hello to Roger Glunt and Tommy beginning to adapt pretty well. I think you Thompson and Martin Perlman and Kent can see we all feel pretty comfortable up Colton; Jay Buchert, your incoming presi- here. So after you get over the initial adjust- dent; and to all of you celebrating the golden ment, you can live in space quite well and anniversary of the National Association of do things that you do on Earth. Home Builders. The President. I have a rather technical I heard via the grapevine that we were question. What happens if you get the flu promised a daytime fireworks display. So I in space? [Laughter] will give this my very best shot, and after Commander Grabe. Some of the older Mark's enthusiastic endorsement there— astronauts-same enthusiasm a kid has, has welcome there, I must say I've got a tough got to be a great experience. And I feel like job to fulfill here. I'm about 12. First, though, Barbara and I wanted to re- Q. What planets have you seen? mind you that we're doing our part for home- The President. What planets have you building and remodeling, thanks to a little seen? rough weather back in Kennebunkport, Maine. So we want to be a part of this re- Commander Grabe. Well, of course, building. But there's been more than a little we've got the world's greatest view of our rough weather in your industry. I heard what world. But on some of our night passes we you said there, Mark, and I've heard it for can see Saturn and Jupiter and Mars and a long time. Venus. It's really spectacular up here. Hope Back in December, I met with Mark and we can go to Mars here one of these days. Kent at the White House. And to you mem- The President. Well, we're going to keep bers there, let me just say we talked about trying to get this program geared up to do the tough times you've experienced. These just that. And maybe, just maybe, Colonel, men were both very articulate. We agreed one of these kids here today will be a part on the need for strong action to get this econ- of that. Maybe sooner, maybe later. But I'll omy moving again. bet one of them will be a part of that mission. The housing industry has been hit hard. But listen, I'm told we've got to run on. And you've been pinched by the credit I've got a lot of eager questioners, but unfor- crunch, hurt by first-time homebuyers forced tunately, I guess we don't have the time. But by economic circumstances to defer their we certainly want to wish you well. Your fel- shot at the American dream and homeowners low astronauts are standing here quietly in who have watched their equity erode. the shadows, and I know that they are wish- On the credit front, we've been working ing you well for a successful conclusion of hard to get the message out to lending insti- this productive journey. tutions and the regulatory community that You have our blessings and our support, sound banks make sound loans. And I am and keep up the fine work. You're on the also pleased to see interest rates down lowerse cutting edge, and you're setting a great exam- than they've been since the late seventies. ple for the rest of our country, the rest of There's a pent-up demand for new housing the world. Congratulations, and thanks for that promises a strong comeback, one that taking the time out. will bring homebuyers back into the market and have homebuilders working overtime. Note: The President spoke at 3 p.m. in Room But no issue right now matters more than 450 of the Old Executive Office Building. the state of our economy. Next Tuesday, I'm Administration of George Bush, 1992 / Jan. 24 157 George Bush, 1992 going to take my economic action plan to the around. I plan to do what Mark says: Take he National American people in the State of the Union that same leadership we used in Desert uilders message. And without tipping my hand Storm, bring this country together, and get today, I can say that some of the reforms the job done. that I want to see are geared specifically to And I am sure that once again it is your ou so much. And, get the housing market back on its feet. industry, it is the housing industry that will very kind words. I pledged as President that we'd see an lead the way to a strong and steady recovery. person, but from increase of one million in the number of new So, good luck to you all. We've listened Clunt and Tommy American homeowners, and I'm proud to say to your leaders. We appreciate the support erlman and Kent we've reached that goal. And I'm convinced from so many people there. And I am going incoming presi- our housing initiatives will help even more to do my level-best to lead this country to brating the golden Americans reach their dream. a vigorous recovery. Now, I guess I'd better al Association of One way we'll succeed is by breaking down stop there and be glad to take some ques- the barriers to affordable housing. Jay and tions. And thanks for your hospitality. .ne that we were Roger served on my Advisory Commission Q. Thank you, Mr. President. You are a orks display. So I on Regulatory Barriers. Many of the rec- "take charge" kind of President, and you st shot, and after ommendations in what the Commission have been a tremendous asset to this country rsement there— called the NIMBY report, Not In My Back- and the world. We, the homebuilders, sup- / I've got a tough yard, have been built into the 1993 budget. port you continuously. Your remarks are ex- I'll be calling for prompt action by the Con- cellent, and we are ready for you to take id I wanted to re- gress, because it's even more urgent we get charge in this State of the Union. And we're our part for home- these critical reforms through Congress now. going to go hand-in-hand down the path with thanks to a little So count on it. I'm going to hit the line you to try to get your programs implemented. Kennebunkport, again, push hard to turn solid proposals into We think it very, very important that housing a part of this re- plicy. And I hope I can count on your strong leads this economy back to the great state more than a little support to help me get the job done. that it was before. And we think that together istry. I heard what As for the rest of this, my progrowth plan, we can do this. 1 I've heard it for you've got to stay tuned for Tuesday. But I The question I have, Mr. President, is: can say right now, by way of a coming attrac- NAHB has suggested a number of proposals net with Mark and tion, that any growth package worth the to stimulate housing-led economic recovery, And to you mem- name should pass the following five tests: including a tax credit and use of IRA's for y we talked about First, it must stimulate the investment nec- first-time homebuyers and reinstatement of xperienced. These essary to create jobs. Second-and this passive losses and capital gains tax. Is there culate. We agreed points up the vital importance of your indus- any hope that any of these will be included on to get this econ- try-it must bolster real estate values and in- in your State of the Union? crease home sales. And third, it must give The President. Hey, listen, I will not be nas been hit hard. Americans confidence that the cost of health betraying any secrets to say that the answer ed by the credit care, providing for their kids' education, and to that question is a resounding affirmative. homebuyers forced raising a family will be affordable. And I hope you'll let me off the hook if I don't ces to defer their fourth, it must increase America's capacity respond to each and every one of those n and homeowners to compete in the global economy. And then points, but I think you're going to be happy uity erode. fifth and finally, it must control wasteful Gov- with the message in that regard. e've been working ernment spending and bring the Federal def- You have known, and I don't say this as ut to lending insti- icit under control. targeting what I'm going to say, but you've y community that So, please listen, and please hear me out known of my commitment to capital gains. 1 loans. And I am in the State of the Union. I will avoid-and I've been hit, as you know, for a capital gains it rates down lower 'Il be frank about this one-the quick politi- tax cut as a tax cut for the rich. It isn't any the late seventies. in fixes that cause the deficit to skyrocket such thing. And families benefit. I'm worried, nd for new housing and cause long-term-interest rates to go right Barbara's worried, about the decline in the omeback, one that through the roof. I'm confident that we have American family. One thing that strength- ck into the market a sound plan, the best plan, to get this econ- ened it is owning their own home. One thing working overtime. omy growing again. And I am absolutely cer- that puts some value under a person's home matters more than tain that we will get this economy turned is a capital gains differential. And so I am Next Tuesday, I'm 158 Jan. 24 / Administration of George Bush, 1992 committed on that one, and you can bet that that weren't. And we're paying an enormous that's going to be there. price. I might say that I take some pride that The others-I think you'll be happy; I'd not one single depositor has lost money, but like to stop right there. But the reason I give it's taken an awful lot of money to bail out you encouragement, without going into some questionable loans. which I will accept and can propose and What I'm about to say, I am not suggesting won't propose, is that these initiatives that that the Government does not have some ob- you've talked about here-it's not a quick fix; ligation in our regulatory authorities for the it's not something that's going to just spread soundness of the banking system and the money around in a political year. They will S&L system. I frankly think that there has stimulate investment. And that's what- been an overreaction. And we have gotten there's a crying need for investment in sav- the Treasury to bring in to Baltimore the ings in this country. And let me just say philo- other day well in excess of 500 regulators, sophically, I feel very comfortable with those and tell them that what we're looking for is initiatives that you have outlined there. But balance. What we're looking for is certainly you'll have to excuse me if I don't give away not to go down the path that we went down absolutely everything that's going to be in before, but to stop impeding progress and this message. kind of putting a damper on this concept that Q. Mr. President, you talked just a mo- good banks should make good loans. ment ago about the credit crunch, and we We have sent out bulletin after bulletin truly appreciate your personal work on behalf to the regulating community out there. I have of the credit crunch and all of the work that convened meetings with the Chairman of the has been done in that area. Fed, Bill Taylor; others from the various In the meetings I've attended in the last agencies; the Office of Thrift Supervision, couple of days here with all of the builders saying let's find a reasoned approach. that have gathered, we're now confident that Frankly, I think the pendulum has swung the economic stimulus package will contain at times too far over in terms of dampening provisions to let housing lead this economy the enthusiasm that these lending institutions forward. sometimes should have, and that they're al- I think the big concern here is: Will the most afraid in some areas to make loans. So, credit be available for the builders to then I hope that the programs we have in effect- build those homes? And the feedback we're of trying to work for the balance is good. getting from the builders here today, Mr. I'll be honest with you, we are encounter- President, is that despite our combined ef- ing some resistance. The Office of the Comp- forts, you working hard, your administration troller head was held up because they working hard, and us working hard, the banks thought he was lightening up on the regu- and examiners still aren't getting the message latory burden by a couple of Senators who out according to the builders. leaned over too far the other way in favor Is there anything that can be done more, of labeling what we were doing as forbear- Mr. President? Is there anything else we can ance. In their view, that meant too little regu- do to get this message out? Our fear is that lation. I've got to do a better job with Con- without it, we're not going to see an eco- gress, getting them to understand that the nomic recovery. And as you said so well, excesses of regulation are bad. sound banks should make sound loans now. On a fundamental point, I am firmly-I The President. I would welcome sugges- am of the conviction that the lower interest tions from you all after your meetings finish rates have things ready now for a good recov- as to what in addition we might do. ery. At some point those interest rates defi- Let me say this. First place, I think the nitely will translate into a much better situa- regulators do have some responsibility. I tion for the homebuyer, for the developer. think everyone would agree that we got into And some of that hasn't taken place because kind of a go-go period of excess over the past of what you're talking about. I think banks few years and some loans were made that have taken the difference now and tried to should have been questioned at the time and strengthen their balance sheets. They're get- George Bush, 1992 Administration of George Bush, 1992 / Jan. 24 159 ting stronger, and I think that's probably a he referred to the following officers of the /ing an enormous e some pride that good thing. association: Mark E. Tipton, immediate past S lost money, but So, we will continue to struggle against this president; Roger Glunt, first vice president; money to bail out concept of overregulation. Some report to Tommy Thompson, vice president and treas- me arrogance on the part of some regulators, urer; Martin Perlman, a past president; Kent am not suggesting and we're trying very hard to sensitize these Colton, executive vice president; and Jay not have some ob- people. We will continue to work hard for Buchert, president. authorities for the a financial reform package that is long over- system and the due. We've got to bring these banks and nk that there has lending institutions, through a change in the 1 we have gotten law, back up now to 1992 and not have it to Baltimore the back in the 1930's somewhere. Statement by Press Secretary of 500 regulators, We got stiffed by Congress on trying to Fitzwater on the Appointment of e're looking for is get that banking reform bill through. And I'm W. Henson Moore as Deputy Chief ng for is certainly going to try again on that one. I think that of Staff to the President hat we went down will help your industry very much. ding progress and January 24, 1992 a this concept that And again, the third point, less regulation, banking reform, financial reform, and then, ,od loans. The President intends to appoint W. etin after bulletin of course, this whole concept of interest rates Henson Moore, of Louisiana, as Deputy and inflation being down, setting the base -y out there. I have Chief of Staff to the President. Mr. Moore, e Chairman of the for a sound recovery for this country. 52, currently serves as Deputy Secretary of from the various And I don't want to be accused of being Energy, a position he has held since 1989. Thrift Supervision, too optimistic because there are still some As Deputy Chief of Staff in the White House, approach. very, very troubling signs around. But I be- Mr. Moore will assist Chief of Staff Samuel adulum has swung lieve that these things I've mentioned here Skinner in directing the day-to-day oper- rms of dampening will inevitably contribute to an upturn in this ations of the White House staff. ending institutions economy and an upturn in this industry that nd that they're al- is absolutely essential. I believe that home- Mr. Moore has served as a Member of the to make loans. So, building will lead the recovery. It's not going U.S. House of Representatives from the Sixth we have in effect to be a lagging industry. It will be a lead Congressional District in Louisiana, 1975- industry. I believe the ingredients are there. 1987. He has served on the Energy and Com- lance is good. we are encounter- And I hope that the proposals I make in the merce Committee, Ways and Means Com- )ffice of the Comp- State of the Union will guarantee, if I can mittee, and the Budget Committee and has up because they get them through Congress, will guarantee worked extensively in both energy and tax g up on the regu- the recovery will be right around the corner policy. Mr. Moore has also been a partner ie of Senators who and not way down the road. with the law firm of Sutherland, Asbill and other way in favor Thank you again. And if there's another Brennan, an Atlanta/Washington based firm, e doing as forbear- one, fine. Otherwise, I'll let you go back to since January 1987. He was also a Republican eant too little regu- work. But send the suggestions; if you have candidate for U.S. Senate in 1986. Between etter job with Con- specifics send them along, Jay. 1987 and 1988, he also served as one of three nderstand that the Q. Thank you, Mr. President, for taking American Commissioners of a Panama Canal bad. time out of your busy schedule. Ladies and Consultative Committee created by the Pan- nt, I am firmly-I gentlemen, let's give the President of the ama Canal Treaty. : the lower interest United States a great thank you. Mr. Moore graduated from Louisiana w for a good recov- interest rates defi- The President. Good luck to you all. State University (B.A., 1961; M.A., 1973) and Louisiana State University Law School (J.D., much better situa- Note: The President spoke at 3:34 p.m. via 1965). He served in the United States Army, for the developer. satellite from Room 459 of the Old Executive 1965-1967. He was born October 4, 1939, aken place because Office Building to the National Association in Lake Charles, LA. He is married to the bout. I think banks e now and tried to of Home Builders annual convention and ex- former Carolyn Ann Cherry of Franklin, LA, sheets. They're get- position in Las Vegas, NV. In his remarks, and has three children. NAT'L ASS'N OF HOMEBUILDERS TELECONFERENCE OEOB, ROOM 459 JANUARY 24, 1992 3:30 P.M. 1 THANK YOU, MARK [TIPTON, PRESIDENT NAHB], FOR THOSE KIND WORDS. // HELLO TO ROGER GLUNT, TOMMY THOMPSON, MARTIN PERLMAN, KENT COLTON, AND JAY BUCHERT [BU-KURT], YOUR INCOMING PRESIDENT -- -- AND TO ALL OF YOU CELEBRATING THE GOLDEN ANNIVERSARY OF THE NATIONAL ASSOCIATION OF HOME BUILDERS. [[I HEAR YOU WERE PROMISED A DAYTIME FIREWORKS DISPLAY -- so I'LL GIVE THIS MY BEST SHOT.]] [[FIRST OFF, BARBARA REMINDED ME TO TELL YOU WE'RE DOING OUR PART FOR HOME BUILDING AND RÉMODELING - -- THANKS TO A LITTLE ROUGH WEATHER BACK IN KENNEBUNKPORT.]] // BUT THERE'S BEEN MORE THAN A LITTLE ROUGH WEATHER IN YOUR INDUSTRY. BACK IN DECEMBER, I MET WITH MARK AND KENT AT THE WHITE HOUSE. WE TALKED ABOUT THE TOUGH TIMES YOU'VE EXPERIENCED -- AND WE AGREED ON THE NEED FOR STRONG ACTION TO GET THIS ECONOMY MOVING AGAIN. // - 2 - 2 THE HOUSING INDUSTRY HAS BEEN HIT HARD. YOU'VE BEEN PINCHED BY THE CREDIT CRUNCH - HURT BY FIRST- TIME HOMEBUYERS FORCED BY ECONOMIC CIRCUMSTANCES TO DEFER THEIR SHOT AT THE AMERICAN DREAM, AND HOMEOWNERS WHO'VE WATCHED THEIR EQUITY ERODE. ON THE CREDIT FRONT, WE'VE BEEN WORKING HARD TO GET THE MESSAGE OUT TO LENDING INSTITUTIONS AND THE REGULATORY COMMUNITY THAT SOUND BANKS MAKE SOUND LOANS. I'M ALSO PLEASED TO SEE INTEREST RATES LOWER THAN THEY'VE BEEN SINCE THE LATE 70'S. THERE'S A PENT-UP DEMAND FOR NEW HOUSING THAT PROMISES A STRONG COMEBACK -- ONE THAT WILL BRING HOMEBUYERS BACK INTO THE MARKET AND HAVE HOMEBUILDERS WORKING OVERTIME. // - 3 - a BUT NO ISSUE RIGHT NOW MATTERS MORE THAN THE STATE OF OUR ECONOMY. / NEXT TUESDAY, I'LL TAKE MY ECONOMIC ACTION PLAN TO THE AMERICAN PEOPLE IN THE STATE OF THE UNION. WITHOUT TIPPING MY HAND TODAY, I CAN SAY THAT SOME OF THE REFORMS I WANT TO SEE ARE GEARED SPECIFICALLY TO GET THE HOUSING MARKET BACK ON ITS FEET. /// I PLEDGED AS PRESIDENT THAT WE'D SEE AN INCREASE OF ONE MILLION IN THE NUMBER OF NEW AMERICAN HOMEOWNERS. I'M PROUD TO SAY WE'VE REACHED THAT GOAL -- AND I'M CONVINCED OUR HOUSING INITIATIVES WILL HELP EVEN MORE AMERICANS REACH THEIR DREAM. ONE WAY WE'LL SUCCEED IS BY BREAKING DOWN THE BARRIERS TO AFFORDABLE HOUSING. JAY AND ROGER SERVED ON MY ADVISORY COMMISSION ON REGULATORY BARRIERS. MANY OF THE RECOMMENDATIONS IN WHAT THE COMMISSION CALLED THE NIMBY REPORT - "NOT IN MY BACKYARD" -- HAVE BEEN BUILT INTO THE 1993 BUDGET. /// - 4 - 4 I'LL BE CALLING FOR PROMPT ACTION BY THE CONGRESS BECAUSE IT'S EVEN MORE URGENT WE GET THESE CRITICAL REFORMS THROUGH CONGRESS NOW. / so COUNT ON IT: I'M GOING TO HIT THE LINE AGAIN, PUSH HARD TO TURN SOLID PROPOSALS INTO POLICY -- AND I HOPE I CAN COUNT ON YOUR STRONG SUPPORT TO HELP ME GET THE JOB DONE. AS FOR THE REST OF MY PRO-GROWTH PLAN, YOU'LL HAVE TO STAY TUNED FOR TUESDAY. BUT I CAN SAY RIGHT NOW -- BY WAY OF A "COMING ATTRACTION" - -- THAT ANY GROWTH PACKAGE WORTH THE NAME SHOULD PASS THE FOLLOWING FIVE TESTS: FIRST, IT MUST STIMULATE THE INVESTMENT NECESSARY TO CREATE JOBS. SECOND - AND THIS POINTS UP THE VITAL IMPORTANCE OF YOUR INDUSTRY - IT MUST BOLSTER REAL ESTATE VALUES, AND INCREASE HOME SALES. - 5 - 5 THIRD, IT MUST GIVE AMERICANS CONFIDENCE THAT THE COSTS OF HEALTH CARE, PROVIDING FOR THEIR KIDS' EDUCATION AND RAISING A FAMILY WILL BE AFFORDABLE. FOURTH, IT MUST INCREASE AMERICA'S CAPACITY TO COMPETE IN THE GLOBAL ECONOMY. FIFTH AND FINALLY, IT MUST CONTROL WASTEFUL GOVERNMENT SPENDING -- AND BRING THE FEDERAL DEFICIT UNDER CONTROL. // so HEAR ME OUT IN THE STATE OF THE UNION. I WILL AVOID THE QUICK POLITICAL FIXES THAT CAUSE THE DEFICIT TO SKYROCKET AND CAUSE LONGTERM INTEREST RATES TO GO THROUGH THE ROOF. / I'M CONFIDENT THAT WE'VE GOT A SOUND PLAN -- THE BEST PLAN TO GET THIS ECONOMY GROWING AGAIN. I AM ABSOLUTELY CERTAIN THAT WE WILL GET THE ECONOMY TURNED AROUND. AND I AM SURE THAT ONCE AGAIN THE HOUSING INDUSTRY WILL LEAD THE WAY TO A STRONG AND STEADY RECOVERY. // I'LL STOP THERE, AND TAKE SOME QUESTIONS. # # # NAT'L ASS'N OF HOMEBUILDERS TELECONFERENCE OEOB, ROOM 459 JANUARY 24, 1992 3:30 P.M. THANK YOU, MARK [TIPTON, PRESIDENT NAHB], FOR THOSE KIND WORDS. 11 HELLO TO ROGER GLUNT, TOMMY THOMPSON, MARTIN PERLMAN, KENT COLTON, AND JAY BUCHERT [BU-KURT], YOUR INCOMING PRESIDENT -- AND TO ALL OF YOU CELEBRATING THE GOLDEN ANNIVERSARY OF THE NATIONAL ASSOCIATION OF HOME BUILDERS. [[I HEAR YOU WERE PROMISED A DAYTIME FIREWORKS DISPLAY -- so I'LL GIVE THIS MY BEST SHOT.1] [[FIRST OFF, BARBARA REMINDED ME TO TELL YOU WE'RE DOING OUR PART FOR HOME BUILDING AND REMODELING -- THANKS TO A LITTLE ROUGH WEATHER BACK IN KENNEBUNKPORT.]] // BUT THERE'S BEEN MORE THAN A LITTLE ROUGH WEATHER IN YOUR INDUSTRY. BACK IN DECEMBER, I MET WITH MARK AND KENT AT THE WHITE HOUSE. WE TALKED ABOUT THE TOUGH TIMES YOU'VE EXPERIENCED -- AND WE AGREED ON THE NEED FOR STRONG ACTION TO GET THIS ECONOMY MOVING AGAIN. // - 2 - THE HOUSING INDUSTRY HAS BEEN HIT HARD. YOU'VE BEEN PINCHED BY THE CREDIT CRUNCH -- HURT BY FIRST- TIME HOMEBUYERS FORCED BY ECONOMIC CIRCUMSTANCES TO DEFER THEIR SHOT AT THE AMERICAN DREAM, AND HOMEOWNERS WHO'VE WATCHED THEIR EQUITY ERODE. ON THE CREDIT FRONT, WE'VE BEEN WORKING HARD TO GET THE MESSAGE OUT TO LENDING INSTITUTIONS AND THE REGULATORY COMMUNITY THAT SOUND BANKS MAKE SOUND LOANS. I'M ALSO PLEASED TO SEE INTEREST RATES LOWER THAN THEY'VE BEEN SINCE THE LATE 70'S. THERE'S A PENT-UP DEMAND FOR NEW HOUSING THAT PROMISES A STRONG COMEBACK -- ONE THAT WILL BRING HOMEBUYERS BACK INTO THE MARKET AND HAVE HOMEBUILDERS WORKING OVERTIME. // - 3 - BUT NO ISSUE RIGHT NOW MATTERS MORE THAN THE STATE OF OUR ECONOMY. / NEXT TUESDAY, I'LL TAKE MY ECONOMIC ACTION PLAN TO THE AMERICAN PEOPLE IN THE STATE OF THE UNION. WITHOUT TIPPING MY HAND TODAY, I CAN SAY THAT SOME OF THE REFORMS I WANT TO SEE ARE GEARED SPECIFICALLY TO GET THE HOUSING MARKET BACK ON ITS FEET. /// I PLEDGED AS PRESIDENT THAT WE'D SEE AN INCREASE OF ONE MILLION IN THE NUMBER OF NEW AMERICAN HOMEOWNERS. I'M PROUD TO SAY WE'VE REACHED THAT GOAL -- AND I'M CONVINCED OUR HOUSING INITIATIVES WILL HELP EVEN MORE AMERICANS REACH THEIR DREAM. ONE WAY WE'LL SUCCEED IS BY BREAKING DOWN THE BARRIERS TO AFFORDABLE HOUSING. JAY AND ROGER SERVED ON MY ADVISORY COMMISSION ON REGULATORY BARRIERS. MANY OF THE RECOMMENDATIONS IN WHAT THE COMMISSION CALLED THE NIMBY REPORT -- "NOT IN MY BACKYARD" -- HAVE BEEN BUILT INTO THE 1993 BUDGET. /// - 4 - I'LL BE CALLING FOR PROMPT ACTION BY THE CONGRESS BECAUSE IT'S EVEN MORE URGENT WE GET THESE CRITICAL REFORMS THROUGH CONGRESS NOW. / so COUNT ON IT: I'M GOING TO HIT THE LINE AGAIN, PUSH HARD TO TURN SOLID PROPOSALS INTO POLICY -- AND I HOPE I CAN COUNT ON YOUR STRONG SUPPORT TO HELP ME GET THE JOB DONE. AS FOR THE REST OF MY PRO-GROWTH PLAN, YOU'LL HAVE TO STAY TUNED FOR TUESDAY. BUT I CAN SAY RIGHT NOW -- BY WAY OF A "COMING ATTRACTION" -- THAT ANY GROWTH PACKAGE WORTH THE NAME SHOULD PASS THE FOLLOWING FIVE TESTS: FIRST, IT MUST STIMULATE THE INVESTMENT NECESSARY TO CREATE JOBS. SECOND -- AND THIS POINTS UP THE VITAL IMPORTANCE OF YOUR INDUSTRY -- IT MUST BOLSTER REAL ESTATE VALUES, AND INCREASE HOME SALES. - 5 - THIRD, IT MUST GIVE AMERICANS CONFIDENCE THAT THE COSTS OF HEALTH CARE, PROVIDING FOR THEIR KIDS' EDUCATION AND RAISING A FAMILY WILL BE AFFORDABLE. FOURTH, IT MUST INCREASE AMERICA'S CAPACITY TO COMPETE IN THE GLOBAL ECONOMY. FIFTH AND FINALLY, IT MUST CONTROL WASTEFUL GOVERNMENT SPENDING -- AND BRING THE FEDERAL DEFICIT UNDER CONTROL. 11 so HEAR ME OUT IN THE STATE OF THE UNION. I WILL AVOID THE QUICK POLITICAL FIXES THAT CAUSE THE DEFICIT TO SKYROCKET AND CAUSE LONGTERM INTEREST RATES TO GO THROUGH THE ROOF. / I'M CONFIDENT THAT WE'VE GOT A SOUND PLAN -- THE BEST PLAN TO GET THIS ECONOMY GROWING AGAIN. I AM ABSOLUTELY CERTAIN THAT WE WILL GET THE ECONOMY TURNED AROUND. AND I AM SURE THAT ONCE AGAIN THE HOUSING INDUSTRY WILL LEAD THE WAY TO A STRONG AND STEADY RECOVERY. // I'LL STOP THERE, AND TAKE SOME QUESTIONS. # # # NAT'L ASS'N OF HOMEBUILDERS TELECONFERENCE OEOB, ROOM 459 JANUARY 24, 1992 3:30 P.M. THANK YOU, MARK [TIPTON, PRESIDENT NAHB], FOR THOSE KIND WORDS. // HELLO TO ROGER GLUNT, TOMMY THOMPSON, MARTIN PERLMAN, KENT COLTON, AND JAY BUCHERT [BU-KURT], YOUR INCOMING PRESIDENT -- AND TO ALL OF YOU CELEBRATING THE GOLDEN ANNIVERSARY OF THE NATIONAL ASSOCIATION OF HOME BUILDERS. [[I HEAR YOU WERE PROMISED A DAYTIME FIREWORKS DISPLAY -- so I'LL GIVE THIS MY BEST SHOT.1] [[FIRST OFF, BARBARA REMINDED ME TO TELL YOU WE'RE DOING OUR PART FOR HOME BUILDING AND REMODELING -- THANKS TO A LITTLE ROUGH WEATHER BACK IN KENNEBUNKPORT.]] // BUT THERE'S BEEN MORE THAN A LITTLE ROUGH WEATHER IN YOUR INDUSTRY. BACK IN DECEMBER, I MET WITH MARK AND KENT AT THE WHITE HOUSE. WE TALKED ABOUT THE TOUGH TIMES YOU'VE EXPERIENCED -- AND WE AGREED ON THE NEED FOR STRONG ACTION TO GET THIS ECONOMY MOVING AGAIN. // merouis - 2 - THE HOUSING INDUSTRY HAS BEEN HIT HARD. YOU'VE BEEN PINCHED BY THE CREDIT CRUNCH -- HURT BY FIRST- TIME HOMEBUYERS FORCED BY ECONOMIC CIRCUMSTANCES TO DEFER THEIR SHOT AT THE AMERICAN DREAM, AND HOMEOWNERS WHO'VE WATCHED THEIR EQUITY ERODE. ON THE CREDIT FRONT, WE'VE BEEN WORKING HARD TO GET THE MESSAGE OUT TO LENDING INSTITUTIONS AND THE REGULATORY COMMUNITY THAT SOUND BANKS MAKE SOUND LOANS. I'M ALSO PLEASED TO SEE INTEREST RATES LOWER THAN THEY'VE BEEN SINCE THE LATE 70'S. THERE'S A PENT-UP DEMAND FOR NEW HOUSING THAT PROMISES A STRONG COMEBACK -- ONE THAT WILL BRING HOMEBUYERS BACK INTO THE MARKET AND HAVE HOMEBUILDERS WORKING OVERTIME. // - 3 - BUT NO ISSUE RIGHT NOW MATTERS MORE THAN THE STATE OF OUR ECONOMY. / NEXT TUESDAY, I'LL TAKE MY ECONOMIC ACTION PLAN TO THE AMERICAN PEOPLE IN THE STATE OF THE UNION. WITHOUT TIPPING MY HAND TODAY, I CAN SAY THAT SOME OF THE REFORMS I WANT TO SEE ARE GEARED SPECIFICALLY TO GET THE HOUSING MARKET BACK ON ITS FEET, /// I PLEDGED AS PRESIDENT THAT WE'D SEE AN INCREASE OF ONE MILLION IN THE NUMBER OF NEW AMERICAN HOMEOWNERS. I'M PROUD TO SAY WE'VE REACHED THAT GOAL -- AND I'M CONVINCED OUR HOUSING INITIATIVES WILL HELP EVEN MORE AMERICANS REACH THEIR DREAM. ONE WAY WE'LL SUCCEED IS BY BREAKING DOWN THE BARRIERS TO AFFORDABLE HOUSING. JAY AND ROGER SERVED ON MY ADVISORY COMMISSION ON REGULATORY BARRIERS. MANY OF THE RECOMMENDATIONS IN WHAT THE COMMISSION CALLED THE NIMBY REPORT -- "NOT IN MY BACKYARD" -- HAVE BEEN BUILT INTO THE 1993 BUDGET. /// - 4 - I'LL BE CALLING FOR PROMPT ACTION BY THE CONGRESS BECAUSE IT'S EVEN MORE URGENT WE GET THESE CRITICAL REFORMS THROUGH CONGRESS NOW. / so COUNT ON IT: I'M GOING TO HIT THE LINE AGAIN, PUSH HARD TO TURN SOLID PROPOSALS INTO POLICY -- AND I HOPE I CAN COUNT ON YOUR STRONG SUPPORT TO HELP ME GET THE JOB DONE. AS FOR THE REST OF MY PRO-GROWTH PLAN, YOU'LL HAVE TO STAY TUNED FOR TUESDAY. BUT I CAN SAY RIGHT NOW -- BY WAY OF A "COMING ATTRACTION" -- THAT ANY GROWTH PACKAGE WORTH THE NAME SHOULD PASS THE FOLLOWING FIVE TESTS: FIRST, IT MUST STIMULATE THE INVESTMENT NECESSARY TO CREATE JOBS. SECOND -- AND THIS POINTS UP THE VITAL IMPORTANCE OF YOUR INDUSTRY -- IT MUST BOLSTER REAL ESTATE VALUES, AND INCREASE HOME SALES. - 5 - THIRD, IT MUST GIVE AMERICANS CONFIDENCE THAT THE COSTS OF HEALTH CARE, PROVIDING FOR THEIR KIDS' EDUCATION AND RAISING A FAMILY WILL BE AFFORDABLE. FOURTH, IT MUST INCREASE AMERICA'S CAPACITY TO COMPETE IN THE GLOBAL ECONOMY. FIFTH AND FINALLY, IT MUST CONTROL WASTEFUL GOVERNMENT SPENDING - -- AND BRING THE FEDERAL DEFICIT UNDER CONTROL. // so HEAR ME OUT IN THE STATE OF THE UNION. I WILL AVOID THE QUICK POLITICAL FIXES THAT CAUSE THE DEFICIT TO SKYROCKET AND CAUSE LONGTERM INTEREST RATES TO GO THROUGH THE ROOF. / I'M CONFIDENT THAT WE'VE GOT A SOUND PLAN THE BEST PLAN TO GET THIS ECONOMY GROWING AGAIN. I AM ABSOLUTELY CERTAIN THAT WE WILL GET THE ECONOMY TURNED AROUND. AND I AM SURE THAT ONCE AGAIN THE HOUSING INDUSTRY WILL LEAD THE WAY TO A STRONG AND STEADY RECOVERY. // I'LL STOP THERE, AND TAKE SOME QUESTIONS. # # # Pres. NAHB "Your lemanks Amre great" hito MW recovery credit be available to build haves n Banks not get message ALFALFA DINNER Passure lesses credit Its cap. grins elc, THE WHITE HOUSE THE PRESIDENT 1/23/92 HAS SEEM WASHINGTON 92 JAN 22 P6: 10 JANUARY 22, 1991 MEMORANDUM FOR THE PRESIDENT OK with THROUGH: DAVE DEMAREST TONY SNOW Tg FROM: DAN MC GROARTY mur some changes SUBJECT: PROPOSED REMARKS FOR THE NATIONAL ASSOCIATION OF HOME BUILDERS TELECONFERENCE I. SUMMARY On Friday, January 24, 1992 at 3:30 p.m. you will deliver brief remarks via satellite from Room 459 of the Old Executive Office Building to the annual National Association of Home Builders conference in Las Vegas, Nevada. II. DISCUSSION Your remarks (approximately 5 minutes / teleprompter) higlight the five tests of a successful growth package, and profile measures that will help the housing industry. Your remarks acknowledge the NAHB leadership and its incoming president Jay Buchert. Following your remarks, Mark Tipton and Jay Buchert will each ask you one question. McGroarty/Bunton January 22, 1992 5:45 pm [HOME] PRESIDENTIAL REMARKS: NAT'L ASS'N OF HOMEBUILDERS TELECONFERENCE OEOB, ROOM 459 JANUARY 24, 1992 3:30 P.M. pronound Thank you, Mark [Tipton, President NAHB], for those kind words. 11 Hello to Tommy Thompson, Martin Perlman, Roger Glunt, Kent Colton, and Jay Buchert, your incoming President -- and to all of you celebrating the golden anniversary of the National Association of Home Builders. I hear you were promised a daytime fireworks display -- so I'll give this my best shot. First off, Barbara reminded me to tell you we're doing our part for home building -- thanks to a little rough weather back in Kennebunkport. // But there's been more than a little rough weather in your industry. Back in December, I met with Mark and Kent at the White House. We talked about the tough times you've experienced -- and we agreed on the need for strong action to get this economy moving again. // The housing industry has been hit hard. You've been pinched by the credit crunch -- hurt by first-time homebuyers forced by economic circumstances to defer their shot at the American dream, and homeowners who've watched their equity erode. On the credit front, we've been working hard to get the message out to lending institutions and the regulatory community that sound banks make sound loans. I'm also pleased to see 2 interest rates lower than they've been since the late 70's. There's a pent-up demand for new housing that promises a strong comeback -- one that will bring homebuyers back into the market and have homebuilders working overtime. // But no issue right now matters more than the state of our economy. / Next Tuesday, I'll take my economic action plan to the American people in the State of the Union. Without tipping my hand today, I can say that some of the reforms I want to see are geared specifically to get the housing market back on its feet. I pledged as President that we'd see an increase of one million in the number of new American homeowners. I'm proud to say we've reached that goal -- and I'm convinced our housing initiatives will create help even more Americans reach their dream. One way we'll succeed is by breaking down the barriers to affordable housing. Jay and Roger served on my Advisory Commission on Regulatory Barriers. Many of the recommendations in what the Commission called the NIMBY report -- "Not in My Backyard" -- have been built into the 1993 Budget. I'll be calling for prompt action by the Congress because it's even more urgent we get these critical reforms through Congress now. / So count on it: I'm going to hit the line again, push hard to turn solid proposals into policy -- and I hope I can count on your strong support to help me get the job done. 3 As for the rest of my pro-growth plan, you'll have to stay tuned for Tuesday. But I can say right now -- by way of a "coming attraction" -- that any growth package worth the name should pass the following five tests: First, it must stimulate the investment necessary to create jobs. Second -- and this points up the vital importance of your industry -- it must bolster real estate values, and increase home sales. Third, it must give Americans confidence that the costs of health care, providing for their kids' education and raising a family will be affordable. Fourth, it must increase America's capacity to compete in the global economy. Fifth and finally, it must control wasteful government spending -- and bring the federal deficit under control. // So hear me out in the State of the Union. Listen I with avoid the quich political fixes that came the any deficit to skyrochet and came brg tem intent into to go thong competition your decision. I'm confident that when you sort - out fact from fiction, you 11 see the roos sound plan that we've got a A the best plan to get this economy growing again. I am confident + absolutely certain / that we will get the economy turned around. And I am sure that once again the housing industry will lead the way to a strong and steady recovery. // I'll. stop there, and take some questions. # # # THE WHITE HOUSE WASHINGTON JANUARY 22, 1991 MEMORANDUM FOR THE PRESIDENT THROUGH: DAVE DEMAREST TONY SNOW FROM: DAN MC GROARTY m.r SUBJECT: PROPOSED REMARKS FOR THE NATIONAL ASSOCIATION OF HOME BUILDERS TELECONFERENCE I. SUMMARY On Friday, January 24, 1992 at 3:30 p.m. you will deliver brief remarks via satellite from Room 459 of the Old Executive Office Building to the annual National Association of Home Builders conference in Las Vegas, Nevada. II. DISCUSSION Your remarks (approximately 5 minutes / teleprompter) higlight the five tests of a successful growth package, and profile measures that will help the housing industry. Your remarks acknowledge the NAHB leadership and its incoming president Jay Buchert. Following your remarks, Mark Tipton and Jay Buchert will each ask you one question. McGroarty/Bunton January 22, 1992 5:45 pm [HOME] PRESIDENTIAL REMARKS: NAT'L ASS'N OF HOMEBUILDERS TELECONFERENCE OEOB, ROOM 459 JANUARY 24, 1992 3:30 P.M. Thank you, Mark [Tipton, President NAHB], for those kind words. // Hello to Tommy Thompson, Martin Perlman, Roger Glunt, Kent Colton, and Jay Buchert, your incoming President -- and to all of you celebrating the golden anniversary of the National Association of Home Builders. I hear you were promised a daytime fireworks display -- so I'll give this my best shot. First off, Barbara reminded me to tell you we're doing our part for home building -- thanks to a little rough weather back in Kennebunkport. // But there's been more than a little rough weather in your industry. Back in December, I met with Mark and Kent at the White House. We talked about the tough times you've experienced -- and we agreed on the need for strong action to get this economy moving again. // The housing industry has been hit hard. You've been pinched by the credit crunch -- hurt by first-time homebuyers forced by economic circumstances to defer their shot at the American dream, and homeowners who've watched their equity erode. On the credit front, we've been working hard to get the message out to lending institutions and the regulatory community that sound banks make sound loans. I'm also pleased to see 2 interest rates lower than they've been since the late 70's. There's a pent-up demand for new housing that promises a strong comeback -- one that will bring homebuyers back into the market and have homebuilders working overtime. // But no issue right now matters more than the state of our economy. / Next Tuesday, I'll take my economic action plan to the American people in the State of the Union. Without tipping my hand today, I can say that some of the reforms I want to see are geared specifically to get the housing market back on its feet. I pledged as President that we'd see an increase of one million in the number of new American homeowners. I'm proud to say we've reached that goal -- and I'm convinced our housing initiatives will create help even more Americans reach their dream. One way we'll succeed is by breaking down the barriers to affordable housing. Jay and Roger served on my Advisory Commission on Regulatory Barriers. Many of the recommendations in what the Commission called the NIMBY report -- "Not in My Backyard" -- have been built into the 1993 Budget. I'll be calling for prompt action by the Congress because it's even more urgent we get these critical reforms through Congress now. / So count on it: I'm going to hit the line again, push hard to turn solid proposals into policy -- and I hope I can count on your strong support to help me get the job done. 3 As for the rest of my pro-growth plan, you'll have to stay tuned for Tuesday. But I can say right now -- by way of a "coming attraction" -- that any growth package worth the name should pass the following five tests: First, it must stimulate the investment necessary to create jobs. Second -- and this points up the vital importance of your industry -- it must bolster real estate values, and increase home sales. Third, it must give Americans confidence that the costs of health care, providing for their kids' education and raising a family will be affordable. Fourth, it must increase America's capacity to compete in the global economy. Fifth and finally, it must control wasteful government spending -- and bring the federal deficit under control. // So hear me out in the State of the Union. Listen to what my competition has to say -- and then make your decision. / I'm confident that when you sort out fact from fiction, you'll see that we've got the best plan to get this economy growing again. I am confident / absolutely certain / that we will get the economy turned around. And I am sure that once again the housing industry will lead the way to a strong and steady recovery. // I'll stop there, and take some questions. # # # 300585SS Document No. WHITE HOUSE STAFFING MEMORANDUM 1-23-92 DATE. ACTION/CONCURRENCE-COMMENT DUE BY: PRESIDENTIAL REMARKS: NATIONAL ASSOCIATION OF HOMEBUILDERS TELECONFERENCE, OEOB, ROOM 459 SUBJECT: JANUARY 24, 1992 ACTION FYI ACTION FYI - VICE PRESIDENT HORNER 1 - SKINNER MCCLURE 1 - SCOWCROFT PETERSMEYER 1 DARMAN PORTER BRADY ROGICH BROMLEY SMITH 1 BOSKIN CARD FINDLAY - DEMAREST SNOW - FITZWATER - GRAY - HOLIDAY REMARKS: The attached has been forwarded to the President. RESPONSE: PHILLIP D. BRADY Assistant to the President and Staff Secretary Ext. 2702 to 1-23 THE WHITE HOÚSE WASHINGTON 32 JAN 22 P6: 10 JANUARY 22, 1991 MEMORANDUM FOR THE PRESIDENT THROUGH: DAVE DEMAREST TONY SNOW Tg FROM: DAN MC GROARTY me.r SUBJECT: PROPOSED REMARKS FOR THE NATIONAL ASSOCIATION OF HOME BUILDERS TELECONFERENCE I. SUMMARY On Friday, January 24, 1992 at 3:30 p.m. you will deliver brief remarks via satellite from Room 459 of the Old Executive Office Building to the annual National Association of Home Builders conference in Las Vegas, Nevada. II. DISCUSSION Your remarks (approximately 5 minutes / teleprompter) higlight the five tests of a successful growth package, and profile measures that will help the housing industry. Your remarks acknowledge the NAHB leadership and its incoming president Jay Buchert. Following your remarks, Mark Tipton and Jay Buchert will each ask you one question. McGroarty/Bunton January 22, 1992 5:45 pm [HOME] PRESIDENTIAL REMARKS: NAT'L ASS'N OF HOMEBUILDERS TELECONFERENCE OEOB, ROOM 459 JANUARY 24, 1992 3:30 P.M. Thank you, Mark [Tipton, President NAHB], for those kind words. // Hello to Tommy Thompson, Martin Perlman, Roger Glunt, Kent Colton, and Jay Buchert, your incoming President -- and to all of you celebrating the golden anniversary of the National Association of Home Builders. I hear you were promised a daytime fireworks display -- so I'll give this my best shot. First off, Barbara reminded me to tell you we're doing our part for home building -- thanks to a little rough weather back in Kennebunkport. // But there's been more than a little rough weather in your industry. Back in December, I met with Mark and Kent at the White House. We talked about the tough times you've experienced -- and we agreed on the need for strong action to get this economy moving again. // The housing industry has been hit hard. You've been pinched by the credit crunch -- hurt by first-time homebuyers forced by economic circumstances to defer their shot at the American dream, and homeowners who've watched their equity erode. On the credit front, we've been working hard to get the message out to lending institutions and the regulatory community that sound banks make sound loans. I'm also pleased to see 2 interest rates lower than they've been since the late 70's. There's a pent-up demand for new housing that promises a strong comeback -- one that will bring homebuyers back into the market and have homebuilders working overtime. // But no issue right now matters more than the state of our economy. / Next Tuesday, I'll take my economic action plan to the American people in the State of the Union. Without tipping my hand today, I can say that some of the reforms I want to see are geared specifically to get the housing market back on its feet. I pledged as President that we'd see an increase of one million in the number of new American homeowners. I'm proud to say we've reached that goal -- and I'm convinced our housing initiatives will create help even more Americans reach their dream. One way we'll succeed is by breaking down the barriers to affordable housing. Jay and Roger served on my Advisory Commission on Regulatory Barriers. Many of the recommendations in what the Commission called the NIMBY report -- "Not in My Backyard" -- have been built into the 1993 Budget. I'll be calling for prompt action by the Congress because it's even more urgent we get these critical reforms through Congress now. / So count on it: I'm going to hit the line again, push hard to turn solid proposals into policy -- and I hope I can count on your strong support to help me get the job done. 3 As for the rest of my pro-growth plan, you'll have to stay tuned for Tuesday. But I can say right now -- by way of a "coming attraction" -- that any growth package worth the name should pass the following five tests: First, it must stimulate the investment necessary to create jobs. Second -- and this points up the vital importance of your industry -- it must bolster real estate values, and increase home sales. Third, it must give Americans confidence that the costs of health care, providing for their kids' education and raising a family will be affordable. Fourth, it must increase America's capacity to compete in the global economy. Fifth and finally, it must control wasteful government spending -- and bring the federal deficit under control. 11 So hear me out in the State of the Union. Listen to what my competition has to say -- and then make your decision. / I'm confident that when you sort out fact from fiction, you'll see that we've got the best plan to get this economy growing again. I am confident / absolutely certain / that we will get the economy turned around. And I am sure that once again the housing industry will lead the way to a strong and steady recovery. // I'll stop there, and take some questions. # # # Uchore N. Cc: DFB, No. 300585ss WHITE HOUSE STAFFING MEMORANDUM DATE. 1/21/92 ACTION/CONCURRENCE-COMMENT DUE BY: WED. 1/22/92 1:00 pm PRESIDENTIAL REMARKS: HOMEBUILDERS TELECONFERENCE SUBJECT: JANUARY 24, 1992 - 3:30 p.m. ACTION FYI ACTION FYI VICE PRESIDENT HORNER SKINNER MCCLURE SCOWCROFT PETERSMEYER DARMAN PORTER BRADY ROGICH BROMLEY SMITH CARD BOSKIN DEMAREST FINDLAY FITZWATER SNOW GRAY HOLIDAY REMARKS: Please forward your comments directly to Tony Snow, Rm. 122, x2930, no later than 1:00 p.m., WEDNESDAY, JANUARY 22, with a copy to this office. Thank you. RESPONSE: PHILLIP D. BRADY Assistant to the President and Staff Secretary Ext. 2702 McGroarty/Bunton January 21, 1992 ¥2 JAN21 P6: 09 5:45 pm [HOME] PRESIDENTIAL REMARKS: HOMEBUILDERS TELECONFERENCE OEOB, ROOM 459 JANUARY 24, 1992 3:30 P.M. Thank you, Mark [Tipton, President NAHB], for those kind words. // Hello to all of you celebrating the golden anniversary of the National Association of Home Builders. I hear you were promised a daytime fireworks display -- so I'll give this my best shot. First off, Barbara reminded me to tell you we're doing our part for home building -- thanks to a little rough weather back in Kennebunkport. // But there's been more than a little rough weather in your industry. Back in December, I met with Mark and Kent at the White House. We talked about the tough times you've experienced -- and we agreed on the need for strong action to get this economy moving again. // The housing industry has been hit hard. You've been pinched by the credit crunch. Hurt by the first-time homebuyers forced by economic circumstances to defer their shot at the American sentence no verb in dream. You've also been done some unintended harm by federal in regulations. Many builders have been caught short by the change in regulations that dramatically expanded the meaning of the term wetland. No one -- certainly not this President -- wants to see 2 this Nation's precious natural heritage threatened. We've pledged no net loss, and we'll stick with it. But we've got to let common sense rule: wetlands must be wet. My direction to Vice President Quayle's Council on Competitiveness was to protect genuine wetlands and the property rights of landowners. // On the credit front, we've been working hard to get the message out to lending institutions and the regulatory community that sound banks make sound loans. I'm also pleased to see interest rates lower than they've been since the mid-70's. There's a pent-up demand for new housing that promises a strong comeback -- one that will bring homebuyers back into the market and have homebuilders working overtime. // But no issue right now matters more than the state of our economic health. / Next Tuesday, I'll take my economic action plan to the American people in the State of the Union. Without tipping my hand today, I can say that some of the reforms I want to see are the ones I spoke to you about in Atlanta back in 1990. A cut in the capital gains tax rate, incentives in our HOPE housing initiative to help first-time home buyers: in each case, prompt action up on Capitol Hill would have helped boost an ailing economy and create growth. It's even more urgent we get these critical reforms through Congress now. / So count on it: I'm going to hit the line again, push hard to turn these solid proposals into policy -- and I hope I can count on your strong support to help me get the job done. 3 As for the rest of my pro-growth plan, you'll have to stay tuned for Tuesday. But I can say right now -- by way of a "coming attraction" -- that any growth package worth the name should pass the following five tests: First, it must stimulate the investment necessary to create jobs. Second -- and this points up the vital importance of your industry -- it must stop the slide in real estate values, and increase home sales. Third, it must give Americans confidence that the costs of health care, providing for their kids' education and raising a family will be affordable. Fourth, it must increase America's capacity to compete in the global economy. Fifth and finally, it must control wasteful government spending -- and bring the federal deficit under control. // So hear me out in the State of the Union. Listen to what my competition has to say -- and then make your decision. / I'm confident that when you sort out fact from fiction, you'll see that we've got the best plan to get this economy growing again. I am confident / absolutely certain / that we will get the economy turned around. And I am sure that once again the housing industry will lead the way to a strong and steady recovery. // I'll stop there, and take some questions. # # # CEA Approved by I realize that the housing sector has been through some difficult times and that the availability of credit remains a Boohn concern to many of you. The housing sector was quite depressed in early 1991, but appears to have improved somewhat over the past year. 1/22/91 I might note that recent data point to some improvement. Housing starts rose 2.6 percent in December. Building permits--often an indicator of future housing starts--rose 5.8 percent in December. Housing starts have been on an upward trend since January 1991, rising by 30 percent. In addition, various fundamentals, particularly low mortgage rates, suggest that the housing market will be on better footing this year. Mortgage rates are near their lowest levels since the 1970s. Housing affordability measures have risen strongly. [ I will be making some proposals in my State of the Union address that will be directed to problems in housing. ] In my / million new JAY B. - 1n that panel. NOT IN my BACK 4 AND BARRIERS To AFFORDABLE HOUSING, JAY Beachut Head Start THE WHITE HOUSE WASHINGTON JANUARY 22, 1991 MEMORANDUM FOR THE PRESIDENT THROUGH: DAVE DEMAREST TONY SNOW FROM: DAN MC GROARTY m.r SUBJECT: PROPOSED REMARKS FOR THE NATIONAL ASSOCIATION OF HOME BUILDERS TELECONFERENCE I. SUMMARY On Friday, January 24, 1992 at 3:30 p.m. you will deliver brief remarks via satellite from Room 459 of the Old Executive Office Building to the annual National Association of Home Builders conference in Las Vegas, Nevada. II. DISCUSSION Your remarks (approximately 5 minutes / teleprompter) higlight the five tests of a successful growth package, and profile measures that will help the housing industry. Your remarks acknowledge the NAHB leadership and its incoming president Jay Buchert. Following your remarks, Mark Tipton and Jay Buchert will each ask you one question. McGroarty/Bunton January 22, 1992 5:45 pm [HOME] PRESIDENTIAL REMARKS: NAT'L ASS'N OF HOMEBUILDERS TELECONFERENCE OEOB, ROOM 459 JANUARY 24, 1992 3:30 P.M. Thank you, Mark [Tipton, President NAHB], for those kind words. // Hello to Tommy Thompson, Martin Perlman, Roger Glunt, Kent Colton, and Jay Buchert, your incoming President -- and to all of you celebrating the golden anniversary of the National Association of Home Builders. I hear you were promised a daytime fireworks display -- so I'll give this my best shot. First off, Barbara reminded me to tell you we're doing our part for home building -- thanks to a little rough weather back in Kennebunkport. // But there's been more than a little rough weather in your industry. Back in December, I met with Mark and Kent at the White House. We talked about the tough times you've experienced -- and we agreed on the need for strong action to get this economy moving again. // The housing industry has been hit hard. You've been pinched by the credit crunch -- hurt by first-time homebuyers forced by economic circumstances to defer their shot at the American dream, and homeowners who've watched their equity erode. On the credit front, we've been working hard to get the message out to lending institutions and the regulatory community that sound banks make sound loans. I'm also pleased to see 2 interest rates lower than they've been since the late 70's. There's a pent-up demand for new housing that promises a strong comeback -- one that will bring homebuyers back into the market and have homebuilders working overtime. // But no issue right now matters more than the state of our economy. / Next Tuesday, I'll take my economic action plan to the American people in the State of the Union. Without tipping my hand today, I can say that some of the reforms I want to see are geared specifically to get the housing market back on its feet. I pledged as President that we'd see an increase of one million in the number of new American homeowners. I'm proud to say we've reached that goal -- and I'm convinced our housing initiatives will create help even more Americans reach their dream. One way we'll succeed is by breaking down the barriers to affordable housing. Jay and Roger served on my Advisory Commission on Regulatory Barriers. Many of the recommendations in what the Commission called the NIMBY report -- "Not in My Backyard" -- have been built into the 1993 Budget. I'll be calling for prompt action by the Congress because it's even more urgent we get these critical reforms through Congress now. / So count on it: I'm going to hit the line again, push hard to turn solid proposals into policy -- and I hope I can count on your strong support to help me get the job done. 3 As for the rest of my pro-growth plan, you'll have to stay tuned for Tuesday. But I can say right now -- by way of a "coming attraction" -- that any growth package worth the name should pass the following five tests: First, it must stimulate the investment necessary to create jobs. Second -- and this points up the vital importance of your industry -- it must bolster real estate values, and increase home sales. Third, it must give Americans confidence that the costs of health care, providing for their kids' education and raising a family will be affordable. Fourth, it must increase America's capacity to compete in the global economy. Fifth and finally, it must control wasteful government spending -- and bring the federal deficit under control. // So hear me out in the State of the Union. Listen to what my competition has to say -- and then make your decision. / I'm confident that when you sort out fact from fiction, you'll see that we've got the best plan to get this economy growing again. I am confident / absolutely certain / that we will get the economy turned around. And I am sure that once again the housing industry will lead the way to a strong and steady recovery. // I'll. stop there, and take some questions. # # # Document No. 300585ss WHITE HOUSE STAFFING MEMORANDUM DATE. 1/21/92 ACTION/CONCURRENCE-COMMENT DUE BY: WED. 1/22/92 1:00 pm PRESIDENTIAL REMARKS: HOMEBUILDERS TELECONFERENCE SUBJECT: JANUARY 24, 1992 - 3:30 p.m. ACTION FYI ACTION FYI VICE PRESIDENT HORNER SKINNER MCCLURE N/C SCOWCROFT PETERSMEYER DARMAN NK PORTER BRADY ROGICH N/C BROMLEY SMITH BOSKIN CARD DEMAREST FINDLAY FITZWATER SNOW Schaer sat GRAY 2601 HOLIDAY REMARKS: Please forward your comments directly to Tony Snow, Rm. 122, x2930, no later than 1:00 p.m., WEDNESDAY, JANUARY 22, with a copy to this office. Thank you. RESPONSE: - MASTER Dorrance Smith- PHILLIP D. BRADY ? - Dec. home starts up 2.6% that's Assistant and Staff to the President Secretary good news Ext. 2702 - Also refer to Housing. Kemps announcement on McGroarty/Bunton January 21, 1992 92 JAN21 P6: 09 5:45 pm [HOME] PRESIDENTIAL REMARKS: HOMEBUILDERS TELECONFERENCE OEOB, ROOM 459 JANUARY 24, 1992 3:30 P.M. Thank you, Mark [Tipton, President NAHB], for those kind words. // Hello to all of you celebrating the golden anniversary of the National Association of Home Builders. I hear you were promised a daytime fireworks display -- so I'll give this my best shot. First off, Barbara reminded me to tell you we're doing our part for home building -- thanks to a little rough weather back in Kennebunkport. // But there's been more than a little rough weather in your industry. Back in December, I met with Mark and Kent at the White House. We talked about the tough times you've our (PORTER) experienced -- and we agreed on the need for strong action to get this economy moving again. // The housing industry has been hit hard. You've been pinched by the credit crunch. Hurt by the first-time homebuyers forced see CEA Borhin by economic (OCA) circumstances to defer their shot at the American Some and homeowney have who 'we watched their equity erode. misapplication of bank dream. You've You also been done some unintended harm by federal and thrift supervisory policies. You know were working hard to fight this regulatory regulations. attitude and to urge timid bankers to seek and make new loans Many builders have been caught short by the change in delete regulations that dramatically expanded the meaning of the term D² wetland. No one -- certainly not this President -- wants to see our (PORTER) 2 this Nation's precious natural heritage threatened. We've delete D2 pledged no net loss, and we'll stick with it. But we've got to let common sense rule: wetlands must be wet. My direction to Vice President Quayle's Council on Competitiveness was to protect genuine wetlands and the property rights of landowners. // (oca) On the credit front, we've been working hard to get the message out to lending institutions and the regulatory community that sound banks make sound loans. I'm also pleased to see interest rates lower than they've been since the mid-70's. There's a pent-up demand for new housing that promises a strong comeback -- one that will bring homebuyers back into the market and have homebuilders working overtime. // But no issue right now matters more than the state of our economy (PORTER) economic health. / Next Tuesday, I'll take my economic action plan to the American people in the State of the Union. Without tipping my hand today, I can say that some of the reforms I want to are seevare geared the ones I spoke to you to get about the in Atlanta housing back market in 1990. back on its feet. A cut in the capital gains tax rate, incentives in our HOPE and other tax changes (Treasury) housing initiative to help first time home buyers: in each case, (PORTER) on these initiatives prompt actionAup on Capitol Hill would have helped boost an I'll be calling for prompt action by the Congress because ailing economy and create growth. It's even more urgent we get these critical reforms through Congress now. So count on it: then when you +I met in 1990 that I'm going to hit the line again, push hard to turn these solid proposals into policy -- and I hope I can count on your strong support to help me get the job done. 3 As for the rest of my pro-growth plan, you'll have to stay on X tuned for Tuesday. But I can say right now -- by way of a "coming attraction" -- that any growth package worth the name should pass the following five tests: First, it must stimulate the investment necessary to create jobs. Second -- and this points up the vital importance of your Bolster industry -- it must stop the slide in real estate values, and increase home sales. Third, it must give Americans confidence that the costs of health care, providing for their kids' education and raising a family will be affordable. Fourth, it must increase America's capacity to compete in the global economy. Fifth and finally, it must control wasteful government spending -- and bring the federal deficit under control. // So hear me out in the State of the Union. Listen to what my competition has to say -- and then make your decision. / I'm confident that when you sort out fact from fiction, you'll see that we've got the best plan to get this economy growing again. I am confident / absolutely certain / that we will get the economy turned around. And I am sure that once again the housing industry will lead the way to a strong er and steady recovery. // more robust (OCA) NO I'll stop there, and take some questions. # # # HUD's suggestion may want to mention NIMBY in theremarks Ohio ancinati McGroarty/Bunton January 21, 1992 5:45 pm [HOME] National association if Home Burders PRESIDENTIAL REMARKS: HOMEBUILDERS TELECONFERENCE from OEOB ROOM 459 JANUARY 24, 1992 3:30 P.M. YOUR Jay Buchert INCOMING PPES. /RENT COUTN EVEC. VP Thank you, Mark Tipton, President NAHB], for those kind words. // Hello to all of you celebrating the golden [founded 1942] anniversary of the National Association of Home Builders. I hear you were promised a daytime fireworks display -- so I'll give this my best shot. First off, Barbara reminded me to tell you we're doing our part for home building -- thanks to a little rough weather back in Kennebunkport. // But there's been more than a little rough [Dec. 1991] weather in your industry. Back in December, I met with Mark and COLTON, NAHB EXEC Dra.V.P. Kent at the White House. We talked about the tough times you've experienced -- and we agreed on the need for strong action to get this economy moving again. // The housing industry has been hit hard. You've been pinched by the credit crunch. Hurt by the first-time homebuyers forced by economic circumstances to defer their shot at the American dream. You've also been done some unintended harm by federal regulations. Many builders have been caught short by the change in regulations that dramatically expanded the meaning of the term wetland. No one -- certainly not this President -- wants to see 2 this Nation's precious natural heritage threatened. We've pledged no net loss, and we'll stick with it. But we've got to let common sense rule: wetlands must be wet. My direction to Vice President Quayle's Council on Competitiveness was to protect genune wetlands and the property rights of landowners. // On the credit front, we've been working hard to get the message out to lending institutions and the regulatory community lates that sound banks make sound loans. I'm also pleased to see interest rates lower than they've been since the mid-70's. accordingto There's a pent-up demand for new housing that promises a strong comeback -- one that will bring homebuyers back into the market and have homebuilders working overtime. // But no issue right now matters more than the state of our economic health. / Next Tuesday, I'll take my economic action when Ideliver? plan to the American people in the State of the Union. Without tipping my hand today, I can say that some of the reforms I want to see are the ones I spoke to you about in Atlanta back in 1990. A cut in the capital gains tax rate, incentives in our HOPE housing initiative to help first-time home buyers: in each case, prompt action up on Capitol Hill would have helped boost an ailing economy and create growth. It's even more urgent we get these critical reforms through Congress now. / So count on it: I'm going to hit the line again, push hard to turn these solid proposals into policy -- and I hope I can count on your strong support to help me get the job done. 3 As for the rest of my pro-growth plan, you'll have to stay tuned for Tuesday. But I can say right now -- by way of a "coming attraction" -- that any growth package worth the name should pass the following five tests: First, it must stimulate the investment necessary to create jobs. Second -- and this points up the vital importance of your industry -- it must stop the slide in real estate values, and increase home sales. Third, it must give Americans confidence that the costs of health care, providing for their kids' education and raising a family will be affordable. Fourth, it must increase America's capacity to compete in the global economy. Fifth and finally, it must control wasteful government spending -- and bring the federal deficit under control. // So hear me out in the State of the Union. Listen to what my competition has to say -- and then make your decision. / I'm confident that when you sort out fact from fiction, you'll see that we've got the best plan to get this economy growing again. And I am confident / absolutely certain / that we will get the economy turned around. And I am sure that once again the housing industry will lead the way to a strong and steady recovery. // I'll stop there, and take some questions. # # # changed that slotfing JB 5:45 9/21/92 McGroarty/Bunton January 21, 1992 5:45 pm [HOME] PRESIDENTIAL REMARKS: HOMEBUILDERS TELECONFERENCE OEOB, ROOM 459 JANUARY 24 1992 XX:00 A.M.? 3:30 p Thank you, Mark [Tipton, President NAHB] for those kind words. // Hello to all of you celebrating the sliver K anniversary of the National Association of Home Builders. I hear you were promised a daytime fireworks display -- so I'll give this my best shot. First off, Barbara reminded me to tell you we're doing our part for home building -- thanks to a little rough weather back in Kennebunkport. // But there's been more than a little rough weather in your industry. Back in December, I met with Mark and Kent at the White House. We talked about the tough times you've experienced -- and we agreed on the need for strong action to get this economy moving again. // The housing industry has been hit hard. You've been pinched by the credit crunch. Hurt by the first-time homebuyers forced by economic circumstances to defer their shot at the American dream. You've also been done some unintended harm by federal regulations. Many builders have been caught short by the change in regulations that dramatically expanded the meaning of the term wetland. No one -- certainly not this President -- wants to see 2 this Nation's precious natural heritage threatened. We've pledged no net loss, and we'll stick with it. But we've got to let common sense rule: wetlands must be wet. My direction to Vice President Quayle's Council on Competitiveness was to protect genune wetlands and the property rights of landowners. // On the credit front, we've been working hard to get the message out to lending institutions and the regulatory community that sound banks make sound loans. I'm also pleased to see interest rates lower than they've been since the mid-70's. There's a pent-up demand for new housing that promises a strong comeback -- one that will bring homebuyers back into the market and have homebuilders working overtime. // But no issue right now matters more than the state of our economic economic health. / Next Tuesday, I'll take my action plan to to FL get this economy growing to you and all the American people in the State of the Union. Without tipping my hand today, I can say that some of the reforms I want to see are the ones I spoke to you about in Atlanta back in 1990. A cut in the capital gains tax rate, incentives in our HOPE housing initiative to help first-time home buyers: in each case, prompt action up on Capitol Hill would have helped boost an ailing economy and create growth. It's even more urgent we get these critical reforms through Congress now. / So count on it: I'm going to hit the line again, push hard to turn these solid proposals into policy - - and I hope I can count on your strong support to help me get the job done. 3 As for the rest of my pro-growth plan, you'll have to stay tuned for Tuesday. But I can say right now -- by way of a "coming attraction" -- that any growth package worth the name should pass the following five tests: First, it must stimulate the investment necessary to create jobs. Second -- and this points up the vital importance of your industry -- it must stop the slide in real estate values, and increase home sales. Third, it must give Americans confidence that the costs of health care, providing for their kids' education and raising a family will be affordable. Fourth, it must increase America's capacity to compete in the global economy. Fifth and finally, it must control wasteful government spending -- and bring the federal deficit under control. // So hear me out in the State of the Union. Listen to what my competition has to say -- and then make your decision. / I'm confident that when you sort out fact from fiction, you'll see that we've got the best plan to get this economy growing again. And I am confident / absolutely certain / that we will get the economy turned around. And I am sure that once again the housing industry will lead the way to a strong and steady recovery. // I'll stop there, and take some questions. # # # Housing starts 4 Dec. 1991 Kump's nons & intine [Hans kntner] SENT BY:Xerox Telecopier 7020 ; 1-22-92 ; 3:09PM ; 4562983- 6218:# 1 Document No. 300585ss WHITE HOUSE STAFFING MEMORANDUM DATE. 1/21/92 ACTION/CONCURRENCE-COMMENT DUE BY: WED. 1/22/92 1:00pm PRESIDENTIAL REMARKS: HOMEBUILDERS TELECONFERENCE SUBJECT: JANUARY 24, 1992 --- 3:30 p.m. ACTION FYI ACTION FTI VICE PRESIDENT HORNER SKINNER MCCLURE SCOWCROFT PETERSMEYER DARMAN PORTER BRADY ROGICH BROMLEY SMITH BOSKIN CARD DEMAR FINDLAY FITZWATER SNOW GRAY HOLIDAY REMARKS: Please forward your comments directly to Tony Snow, Rm. 122, x2930, no later than 1:00 p.m., WEDNESDAY, JANUARY 22, with a copy to this office. Thank you. RESPONSE: All PHILLIP D. BRADY Assistant to the President and Staff Secretary Ext. 2702 SENT BY:Xerox Telecopier 7020 ; 1-22-92 ; 3:09PM ; 4562983- 6218;# 2 McGroarty/Bunton January 21, 1992 32 JAN21 P6: 09 5:45 pm [HOME] PRESIDENTIAL REMARKS: HOMEBUILDERS TELECONFERENCE OEOB, ROOM 459 JANUARY 24, 1992 3:30 P.M. Thank you, Mark [Tipton, President NAHB], for those kind words. // Hello to all of you celebrating the golden anniversary of the National Association of Home Builders. I hear you were promised a daytime fireworks display - so I'll give this my best shot. First off, Barbara reminded me to tell you we're doing our part for home building -- thanks to a little rough weather back in Kennebunkport. 11 But there's been more than a little rough weather in your industry. Back in December, I met with Mark and Kent at the White House. We talked about the tough times you've experienced -- and we agreed on the need for strong action to get this economy moving again. 11 The housing industry has been hit hard. You've been pinched by the credit crunch. Hurt by the first-time homebuyers forced by economic circumstances to defer their shot at the American dream. You've also been done some unintended harm by federal regulations. Many builders have been caught short by the change in regulations that dramatically expanded the meaning of the term wetland. No one -- certainly not this President -- wants to see SENT BY:Xerox Telecopier 7020 ; 1-22-92 ; 3:10PM ; 4562983- 6218;# 3 2 this Nation's precious natural heritage threatened. We ve pledged no net loss, and we'll stick with it. But we've got to let common sense rule: wetlands must be wet. My direction to Vice President Quayle's Council on Competitiveness vas to protect genuine wetlands and the property rights of landowners. 11 On the credit front, we've been working hard to get the message out to lending institutions and the regulatory community that sound banks make sound loans. I'm also pleased to see interest rates lower than they've been since the mid-70's. There's a pent-up demand for new housing that promises a strong comeback -- one that will bring homebuyers back into the market and have homebuilders working overtime. 11 But no issue right now matters more than the state of our economic health. / Next Tuesday, I'll take my economic action plan to the American people in the State of the Union. Without tipping my hand today, I can say that some of the reforms I want to see are the ones I spoke to you about in Atlanta back in 1980. are gland apecifically to get the housing market back on its feet. A cut in the capital gains tax rate, incentives in our HOPE housing initiative to help first-time home buyers: In in each case back then prompt action up on Capitol Hill would have helped boost ad I'll becallic for promplaction any the RM A thember an you in set ailing economy and create growth. It's even more urgent we get 1990 these critical reforms through Congress. PAY. now. / that So count on it: I'm going to hit the line again, push hard to turn these solid proposals into policy - and I hope I can count on your strong support to help me get the job done. SENT BY:Xerox Telecopier 7020 ; 1-22-92 ; 3:10PM ; 4562983- 6218;# 4 3 As for the rest of my pro-growth plan, you'll have to stay tuned for Tuesday. But I can say right now -- by way of a "coming attraction" -- that any growth package worth the name should pass the following five tests: First, it must stimulate the investment necessary to create tobs. Second - and this points up the vital importance of your industry - it must stop the slide in real estate values, and increase home sales. Third, it must give Americans confidence that the costs of health care, providing for their kids' education and raising a. family will be affordable. Fourth, it must increase America's capacity to compete im the global economy. Fifth and finally, it must control wasteful government spending - and bring the federal deficit under control. 11 So hear me out in the State of the Union. Listen to what my competition has to say -- and then make your decision. / I'm confident that when you sort out fact from fiction, you'll see that we've got the best plan to get this economy growing again. I am confident / absolutely certain / that we will get the economy turned around. And I am sure that once again the housing industry will lead the way to a strong and steady recovery. 11 I'll stop there, and take some questions. # # # Document No. 300585ss WHITE HOUSE STAFFING MEMORANDUM DATE. 1/21/92 ACTION/CONCURRENCE-COMMENT DUE BY: WED. 1/22/92 1:00 pm PRESIDENTIAL REMARKS: HOMEBUILDERS TELECONFERENCE SUBJECT: JANUARY 24, 1992 - 3:30 p.m. ACTION FYI ACTION FYI VICE PRESIDENT HORNER SKINNER MCCLURE SCOWCROFT PETERSMEYER DARMAN PORTER BRADY ROGICH BROMLEY SMITH CARD BOSKIN DEMAREST FINDLAY FITZWATER SNOW GRAY HOLIDAY REMARKS: Please forward your comments directly to Tony Snow, Rm. 122, x2930, no later than 1:00 p.m., WEDNESDAY, JANUARY 22, with a copy to this office. Thank you. RESPONSE: - December home starts up 2.6%- that's good news / Also refer to Kemp's annonncement PHILLIP D. BRADY Assistant to the President on Horsing and Staff Secretary Ext. 2702 McGroarty/Bunton January 21, 1992 32 JAN21 P6: 09 5:45 pm [HOME] PRESIDENTIAL REMARKS: HOMEBUILDERS TELECONFERENCE OEOB, ROOM 459 JANUARY 24, 1992 3:30 P.M. Thank you, Mark [Tipton, President NAHB], for those kind words. // Hello to all of you celebrating the golden anniversary of the National Association of Home Builders. I hear you were promised a daytime fireworks display -- so I'll give this my best shot. First off, Barbara reminded me to tell you we're doing our part for home building -- thanks to a little rough weather back in Kennebunkport. // But there's been more than a little rough weather in your industry. Back in December, I met with Mark and Kent at the White House. We talked about the tough times you've experienced -- and we agreed on the need for strong action to get this economy moving again. // The housing industry has been hit hard. You've been pinched by the credit crunch. Hurt by the first-time homebuyers forced by economic circumstances to defer their shot at the American dream. You've also been done some unintended harm by federal regulations. Many builders have been caught short by the change in regulations that dramatically expanded the meaning of the term wetland. No one -- certainly not this President -- wants to see 2 this Nation's precious natural heritage threatened. We've pledged no net loss, and we'll stick with it. But we've got to let common sense rule: wetlands must be wet. My direction to Vice President Quayle's Council on Competitiveness was to protect genuine wetlands and the property rights of landowners. // On the credit front, we've been working hard to get the message out to lending institutions and the regulatory community that sound banks make sound loans. I'm also pleased to see interest rates lower than they've been since the mid-70's. There's a pent-up demand for new housing that promises a strong comeback -- one that will bring homebuyers back into the market and have homebuilders working overtime. // But no issue right now matters more than the state of our economic health. / Next Tuesday, I'll take my economic action plan to the American people in the State of the Union. Without tipping my hand today, I can say that some of the reforms I want to see are the ones I spoke to you about in Atlanta back in 1990. A cut in the capital gains tax rate, incentives in our HOPE housing initiative to help first-time home buyers: in each case, prompt action up on Capitol Hill would have helped boost an ailing economy and create growth. It's even more urgent we get these critical reforms through Congress now. / So count on it: I'm going to hit the line again, push hard to turn these solid proposals into policy -- and I hope I can count on your strong support to help me get the job done. 3 As for the rest of my pro-growth plan, you'll have to stay tuned for Tuesday. But I can say right now -- by way of a "coming attraction" -- that any growth package worth the name should pass the following five tests: First, it must stimulate the investment necessary to create jobs. Second -- and this points up the vital importance of your industry -- it must stop the slide in real estate values, and increase home sales. Third, it must give Americans confidence that the costs of health care, providing for their kids' education and raising a. family will be affordable. Fourth, it must increase America's capacity to compete in the global economy. Fifth and finally, it must control wasteful government spending -- and bring the federal deficit under control. // So hear me out in the State of the Union. Listen to what my competition has to say -- and then make your decision. / I'm confident that when you sort out fact from fiction, you'll see that we've got the best plan to get this economy growing again. I am confident / absolutely certain / that we will get the economy turned around. And I am sure that once again the housing industry will lead the way to a strong and steady recovery. // I'll stop there, and take some questions. # # # Document No. 300585ss WHITE HOUSE STAFFING MEMORANDUM 92 JAN 22 P2: 13 DATE. 1/21/92 ACTION/CONCURRENCE-COMMENT DUE BY: WED. 1/22/92 1:00 pm PRESIDENTIAL REMARKS: HOMEBUILDERS TELECONFERENCE SUBJECT: JANUARY 24, 1992 - 3:30 p.m. ACTION FYI ACTION FYI VICE PRESIDENT HORNER SKINNER MCCLURE SCOWCROFT PETERSMEYER DARMAN PORTER BRADY ROGICH BROMLEY SMITH BOSKIN CARD DEMAREST FINDLAY FITZWATER SNOW GRAY HOLIDAY REMARKS: Please forward your comments directly to Tony Snow, Rm. 122, x2930, no later than 1:00 p.m., WEDNESDAY, JANUARY 22, with a copy to this office. Thank you. RESPONSE: See comments. Thanks. EL Elizabeth Cuttig 01/22/92 PHILLIP D. BRADY Assistant to the President and Staff Secretary Ext. 2702 McGroarty/Bunton January 21, 1992 92 JAN21 P6: 09 5:45 pm [HOME] PRESIDENTIAL REMARKS: HOMEBUILDERS TELECONFERENCE OEOB, ROOM 459 JANUARY 24, 1992 3:30 P.M. Thank you, Mark [Tipton, President NAHB], for those kind words. // Hello to all of you celebrating the golden anniversary of the National Association of Home Builders. I hear you were promised a daytime fireworks display -- so I'll give this my best shot. First off, Barbara reminded me to tell you we're doing our part for home building -- thanks to a little rough weather back in Kennebunkport. // But there's been more than a little rough weather in your industry. Back in December, I met with Mark and Kent at the White House. We talked about the tough times you've experienced -- and we agreed on the need for strong action to get this economy moving again. // The housing industry has been hit hard. You've been pinched by the credit crunch. Hurt by the first-time homebuyers forced by economic circumstances to defer their shot at the American (OCA) Some ot Some of have dream. misapplication of bank and thrift supervisory policies. you Know ne've workin You also been done some unintended harm by hard to Eight this regulatory attitude and to argi timid bankers to seek and make new loans. Many builders have been caught short by the change in regulations that dramatically expanded the meaning of the term wetland. No one -- certainly not this President -- wants to see 2 this Nation's precious natural heritage threatened. We've pledged no net loss, and we'll stick with it. But we've got to let common sense rule: wetlands must be wet. My direction to Vice President Quayle's Council on Competitiveness was to protect (OCA) genuine wetlands and the property rights of landowners. 11 Delete [on the credit front, we've been working hard to get the message out to lending institutions and the regulatory community that sound banks make sound loans. I'm also pleased to see interest rates lower than they've been since the mid-70's. There's a pent-up demand for new housing that promises a strong comeback -- one that will bring homebuyers back into the market and have homebuilders working overtime. // But no issue right now matters more than the state of our economic health. / Next Tuesday, I'll take my economic action plan to the American people in the State of the Union. Without tipping my hand today, I can say that some of the reforms I want to see are the ones I spoke to you about in Atlanta back in 1990. A cut in the capital gains tax rate, incentives in our HOPE housing initiative to help first-time home buyers: in each case, and other tax changes Treasy) prompt action up on Capitol Hill would have helped boost an ailing economy and create growth. It's even more urgent we get these critical reforms through Congress now. / So count on it: I'm going to hit the line again, push hard to turn these solid proposals into policy -- and I hope I can count on your strong support to help me get the job done. 3 As for the rest of my pro-growth plan, you'll have to stay tuned for Tuesday. But I can say right now -- by way of a "coming attraction" -- that any growth package worth the name should pass the following five tests: First, it must stimulate the investment necessary to create jobs. Second -- and this points up the vital importance of your industry -- it must stop the slide in real estate values, and increase home sales. Third, it must give Americans confidence that the costs of health care, providing for their kids' education and raising a. family will be affordable. Fourth, it must increase America's capacity to compete in the global economy. Fifth and finally, it must control wasteful government spending -- and bring the federal deficit under control. // So hear me out in the State of the Union. Listen to what my competition has to say -- and then make your decision. / I'm confident that when you sort out fact from fiction, you'll see that we've got the best plan to get this economy growing again. I am confident / absolutely certain / that we will get the economy turned around. And I am sure that once again the housing industry will lead the way to a strong er and more robust (OCA) 11 recovery. // I'll stop there, and take some questions. # # # Hups Suggeonion: May want to mention NiMBY in the renerks. Bizer X4737 McGroarty/Bunton CEA January 21, 1992 5:45 pm [HOME] PRESIDENTIAL REMARKS: HOMEBUILDERS TELECONFERENCE OEOB, ROOM 459 JANUARY 24, 1992 3:30 P.M. Thank you, Mark [Tipton, President NAHB], for those kind words. // Hello to all of you celebrating the golden anniversary of the National Association of Home Builders. I hear you were promised a daytime fireworks display -- so I'll give this my best shot. First off, Barbara reminded me to tell you we're doing our part for home building -- thanks to a little rough weather back in Kennebunkport. // But there's been more than a little rough weather in your industry. Back in December, I met with Mark and Kent at the White House. We talked about the tough times you've experienced -- and we agreed on the need for strong action to get this economy moving again. // sount The housing industry has been hit hard. You've been pinched actually, by the credit crunch. Hurt by the first-time homebuyers forced (No VERB) by economic circumstances to defer their shot at the American Be careful pt time homeby dream. You've also been done some unintended harm by federal are better off regulations. than owners who have lost equity Many builders have been caught short by the change in in homes regulations that dramatically expanded the meaning of the term wetland. No one -- certainly not this President -- wants to see 2 this Nation's precious natural heritage threatened. We've pledged no net loss, and we'll stick with it. But we've got to let common sense rule: wetlands must be wet. My direction to Vice President Quayle's Council on Competitiveness was to protect genuine wetlands and the property rights of landowners. // On the credit front, we've been working hard to get the message out to lending institutions and the regulatory community that sound banks make sound loans. I'm also pleased to see interest rates lower than they've been since the mid-70's. There's a pent-up demand for new housing that promises a strong comeback -- one that will bring homebuyers back into the market and have homebuilders working overtime. // But no issue right now matters more than the state of our economic health. / Next Tuesday, I'll take my economic action plan to the American people in the State of the Union. Without tipping my hand today, I can say that some of the reforms I want to see are the ones I spoke to you about in Atlanta back in 1990. A cut in the capital gains tax rate, incentives in our HOPE housing initiative to help first-time home buyers: in each case, prompt action up on Capitol Hill would have helped boost an ailing economy and create growth. It's even more urgent we get these critical reforms through Congress now. / So count on it: I'm going to hit the line again, push hard to turn these solid proposals into policy -- and I hope I can count on your strong support to help me get the job done. 3 As for the rest of my pro-growth plan, you'll have to stay tuned for Tuesday. But I can say right now -- by way of a "coming attraction" -- that any growth package worth the name should pass the following five tests: First, it must stimulate the investment necessary to create jobs. Second -- and this points up the vital importance of your industry -- it must stop the slide in real estate values, and increase home sales. Third, it must give Americans confidence that the costs of health care, providing for their kids' education and raising a family will be affordable. Fourth, it must increase America's capacity to compete in the global economy. Fifth and finally, it must control wasteful government spending -- and bring the federal deficit under control. // So hear me out in the State of the Union. Listen to what my competition has to say -- and then make your decision. / I'm confident that when you sort out fact from fiction, you'll see that we've got the best plan to get this economy growing again. I am confident / absolutely certain / that we will get the economy turned around. And I am sure that once again the housing industry will lead the way to a strong and steady recovery. // I'll stop there, and take some questions. # # # THE WHITE HOUSE WASHINGTON 92 JAN 22 pl: 52 January 22, 1992 MEMORANDUM FOR TONY SNOW FROM: ROGER B. PORTER RBP SUBJECT: Presidential Remarks: Homebuilders Teleconference We have reviewed the attached remarks and have noted a few minor suggested changes on the draft. Please let us know if you have any questions or if we may help in any other way. CC: Phillip D. Brady Document No. 300585ss WHITE HOUSE STAFFING MEMORANDUM DATE. 1/21/92 ACTION/CONCURRENCE/COMMENT DUE BY: WED. 1/22/92 1:00 pm PRESIDENTIAL REMARKS: HOMEBUILDERS TELECONFERENCE SUBJECT: JANUARY 24, 1992 - 3:30 p.m. ACTION FYI ACTION FYI VICE PRESIDENT HORNER SKINNER MCCLURE SCOWCROFT PETERSMEYER DARMAN PORTER BRADY ROGICH BROMLEY SMITH BOSKIN CARD DEMAREST FINDLAY FITZWATER SNOW GRAY HOLIDAY REMARKS: Please forward your comments directly to Tony Snow, Rm. 122, x2930, no later than 1:00 p.m., WEDNESDAY, JANUARY 22, with a copy to this office. Thank you. RESPONSE: PHILLIP D. BRADY Assistant to the President and Staff Secretary Ext. 2702 McGroarty/Bunton January 21, 1992 92 JAN21 P6: 09 5:45 pm [HOME] PRESIDENTIAL REMARKS: HOMEBUILDERS TELECONFERENCE OEOB, ROOM 459 JANUARY 24, 1992 3:30 P.M. Thank you, Mark [Tipton, President NAHB], for those kind words. // Hello to all of you celebrating the golden anniversary of the National Association of Home Builders. I hear you were promised a daytime fireworks display -- so I'll give this my best shot. First off, Barbara reminded me to tell you we're doing our part for home building -- thanks to a little rough weather back in Kennebunkport. // But there's been more than a little rough weather in your industry. Back in December, I met with Mark and Kent at the White House. We talked about the tough times you've experienced OUR -- and we agreed on the need for strong action to get this economy moving again. // The housing industry has been hit hard. You've been pinched by the credit crunch. Hurt by the first-time homebuyers forced by economic circumstances to defer their shot at the American dream. You've also been done some unintended harm by federal regulations. Many builders have been caught short by the change in regulations that dramatically expanded the meaning of the term wetland. No one -- certainly not this President -- wants to see 2 OUR this Nation's precious natural heritage threatened. We've pledged no net loss, and we'll stick with it. But we've got to let common sense rule: wetlands must be wet. My direction to Vice President Quayle's Council on Competitiveness was to protect genuine wetlands and the property rights of landowners. // On the credit front, we've been working hard to get the message out to lending institutions and the regulatory community that sound banks make sound loans. I'm also pleased to see interest rates lower than they've been since the mid-70's. There's a pent-up demand for new housing that promises a strong comeback -- one that will bring homebuyers back into the market and have homebuilders working overtime. // But no issue right now matters more than the state of our economic ECONOMY health? / Next Tuesday, I'll take my economic action plan to the American people in the State of the Union. Without tipping my hand today, I can say that some of the reforms I want to see are the ones I spoke to you about in Atlanta back in 1990. A cut in the capital gains tax rate, incentives in our HOPE housing initiative to help first-time home buyers: in each case, ON THESE INITIATIVES prompt action up on Capitol Hill would have helped boost an ailing economy and create growth. It's even more urgent we get these critical reforms through Congress now. / So count on it: I'm going to hit the line again, push hard to turn these solid proposals into policy -- and I hope I can count on your strong support to help me get the job done. 3 As ON for the rest of my pro-growth plan, you'll have to stay tuned for Tuesday. But I can say right now -- by way of a "coming attraction" -- that any growth package worth the name should pass the following five tests: First, it must stimulate the investment necessary to create jobs. Second -- and this points up the vital importance of your BOLSTER industry -- it must step the slide in real estate values, and increase home sales. Third, it must give Americans confidence that the costs of health care, providing for their kids' education and raising a. family will be affordable. Fourth, it must increase America's capacity to compete in the global economy. Fifth and finally, it must control wasteful government spending -- and bring the federal deficit under control. // So hear me out in the State of the Union. Listen to what my competition has to say -- and then make your decision. / I'm confident that when you sort out fact from fiction, you'll see that we've got the best plan to get this economy growing again. I am confident / absolutely certain / that we will get the economy turned around. And I am sure that once again the housing industry will lead the way to a strong and steady recovery. // I'll stop there, and take some questions. # # # Document No. 300585ss WHITE HOUSE STAFFING MEMORANDUM DATE. 1/21/92 ACTION/CONCURRENCE/COMMENT DUE BY: WED. 1/22/92 1:00pm PRESIDENTIAL REMARKS: HOMEBUILDERS TELECONFERENCE JANUARY 24, 1992 - 3:30 p.m. SUBJECT: ACTION FYI ACTION FYI VICE PRESIDENT HORNER SKINNER MCCLURE SCOWCROFT PETERSMEYER DARMAN PORTER BRADY ROGICH BROMLEY SMITH BOSKIN CARD DEMAREST FINDLAY FITZWATER SNOW GRAY HOLIDAY REMARKS: Please forward your comments directly to Tony Snow, Rm. 122, x2930, no later than 1:00 p.m., WEDNESDAY, JANUARY 22, with a copy to this office. Thank you. RESPONSE: no comment PHILLIP D. BRADY Assistant to the President and Staff Secretary Ext. 2702 McGroarty/Bunton January 21, 1992 92 JAN21 P6: 09 5:45 pm [HOME] PRESIDENTIAL REMARKS: HOMEBUILDERS TELECONFERENCE OEOB, ROOM 459 JANUARY 24, 1992 3:30 P.M. Thank you, Mark [Tipton, President NAHB], for those kind words. // Hello to all of you celebrating the golden anniversary of the National Association of Home Builders. I hear you were promised a daytime fireworks display -- so I'll give. this my best shot. First off, Barbara reminded me to tell you we're doing our part for home building -- thanks to a little rough weather back in Kennebunkport. // But there's been more than a little rough weather in your industry. Back in December, I met with Mark and Kent at the White House. We talked about the tough times you've experienced -- and we agreed on the need for strong action to get this economy moving again. // The housing industry has been hit hard. You've been pinched by the credit crunch. Hurt by the first-time homebuyers forced by economic circumstances to defer their shot at the American dream. You've also been done some unintended harm by federal regulations. Many builders have been caught short by the change in regulations that dramatically expanded the meaning of the term wetland. No one -- certainly not this President -- wants to see 2 this Nation's precious natural heritage threatened. We've pledged no net loss, and we'll stick with it. But we've got to let common sense rule: wetlands must be wet. My direction to Vice President Quayle's Council on Competitiveness was to protect genuine wetlands and the property rights of landowners. // On the credit front, we've been working hard to get the message out to lending institutions and the regulatory community that sound banks make sound loans. I'm also pleased to see interest rates lower than they've been since the mid-70's. There's a pent-up demand for new housing that promises a strong comeback -- one that will bring homebuyers back into the market and have homebuilders working overtime. // But no issue right now matters more than the state of our economic health. / Next Tuesday, I'll take my economic action plan to the American people in the State of the Union. Without tipping my hand today, I can say that some of the reforms I want to see are the ones I spoke to you about in Atlanta back in 1990. A cut in the capital gains tax rate, incentives in our HOPE housing initiative to help first-time home buyers: in each case, prompt action up on Capitol Hill would have helped boost an ailing economy and create growth. It's even more urgent we get: these critical reforms through Congress now. / So count on it: I'm going to hit the line again, push hard to turn these solid proposals into policy -- and I hope I can count on your strong support to help me get the job done. 3 As for the rest of my pro-growth plan, you'll have to stay tuned for Tuesday. But I can say right now -- by way of a "coming attraction" -- that any growth package worth the name should pass the following five tests: First, it must stimulate the investment necessary to create jobs. Second -- and this points up the vital importance of your industry -- it must stop the slide in real estate values, and increase home sales. Third, it must give Americans confidence that the costs of health care, providing for their kids' education and raising a family will be affordable. Fourth, it must increase America's capacity to compete in the global economy. Fifth and finally, it must control wasteful government spending -- and bring the federal deficit under control. // So hear me out in the State of the Union. Listen to what my competition has to say -- and then make your decision. / I'm confident that when you sort out fact from fiction, you'll see that we've got the best plan to get this economy growing again. I am confident / absolutely certain / that we will get the economy turned around. And I am sure that once again the housing industry will lead the way to a strong and steady recovery. // I'll stop there, and take some questions. # # # Document No. 300585ss WHITE HOUSE STAFFING MEMORANDUM DATE. 1/21/92 ACTION/CONCURRENCE/COMMENT DUE BY: WED. 1/22/92 1:00 pm PRESIDENTIAL REMARKS: HOMEBUILDERS TELECONFERENCE SUBJECT: JANUARY 24, 1992 - 3:30 p.m. ACTION FYI ACTION FYI VICE PRESIDENT HORNER SKINNER MCCLURE SCOWCROFT PETERSMEYER DARMAN PORTER BRADY ROGICH BROMLEY SMITH BOSKIN CARD DEMAREST FINDLAY FITZWATER SNOW GRAY HOLIDAY REMARKS: Please forward your comments directly to Tony Snow, Rm. 122, x2930, no later than 1:00 p.m., WEDNESDAY, JANUARY 22, with a copy to this office. Thank you. RESPONSE: OYR PHILLIP D. BRADY Assistant to the President and Staff Secretary Ext. 2702 McGroarty/Bunton January 21, 1992 92 JAN21 P6: 09 5:45 pm [HOME] PRESIDENTIAL REMARKS: HOMEBUILDERS TELECONFERENCE OEOB, ROOM 459 JANUARY 24, 1992 3:30 P.M. Thank you, Mark [Tipton, President NAHB], for those kind words. // Hello to all of you celebrating the golden anniversary of the National Association of Home Builders. I hear you were promised a daytime fireworks display -- so I'll give. this my best shot. First off, Barbara reminded me to tell you we're doing our part for home building -- thanks to a little rough weather back in Kennebunkport. // But there's been more than a little rough weather in your industry. Back in December, I met with Mark and Kent at the White House. We talked about the tough times you've experienced -- and we agreed on the need for strong action to get this economy moving again. // The housing industry has been hit hard. You've been pinched by the credit crunch. Hurt by the first-time homebuyers forced by economic circumstances to defer their shot at the American dream. You've also been done some unintended harm by federal regulations. Many builders have been caught short by the change in regulations that dramatically expanded the meaning of the term wetland. No one -- certainly not this President -- wants to see 2 this Nation's precious natural heritage threatened. We've pledged no net loss, and we'll stick with it. But we've got to let common sense rule: wetlands must be wet. My direction to Vice President Quayle's Council on Competitiveness was to protect genuine wetlands and the property rights of landowners. // On the credit front, we've been working hard to get the message out to lending institutions and the regulatory community that sound banks make sound loans. I'm also pleased to see interest rates lower than they've been since the mid-70's. There's a pent-up demand for new housing that promises a strong comeback -- one that will bring homebuyers back into the market and have homebuilders working overtime. // But no issue right now matters more than the state of our economic health. / Next Tuesday, I'll take my economic action plan to the American people in the State of the Union. Without tipping my hand today, I can say that some of the reforms I want to see are the ones I spoke to you about in Atlanta back in 1990. A cut in the capital gains tax rate, incentives in our HOPE housing initiative to help first-time home buyers: in each case, prompt action up on Capitol Hill would have helped boost an ailing economy and create growth. It's even more urgent we get: these critical reforms through Congress now. / So count on it: I'm going to hit the line again, push hard to turn these solid proposals into policy -- and I hope I can count on your strong support to help me get the job done. 3 As for the rest of my pro-growth plan, you'll have to stay tuned for Tuesday. But I can say right now -- by way of a "coming attraction" -- that any growth package worth the name should pass the following five tests: First, it must stimulate the investment necessary to create jobs. Second -- and this points up the vital importance of your industry -- it must stop the slide in real estate values, and increase home sales. Third, it must give Americans confidence that the costs of health care, providing for their kids' education and raising a. family will be affordable. Fourth, it must increase America's capacity to compete in the global economy. Fifth and finally, it must control wasteful government spending -- and bring the federal deficit under control. // So hear me out in the State of the Union. Listen to what my competition has to say -- and then make your decision. / I'm confident that when you sort out fact from fiction, you'll see that we've got the best plan to get this economy growing again. I.. am confident / absolutely certain / that we will get the economy turned around. And I am sure that once again the housing industry will lead the way to a strong and steady recovery. // I'll stop there, and take some questions. # # # McGroarty/Bunton January 21, 1992 5:45 pm [HOME] PRESIDENTIAL REMARKS: HOMEBUILDERS TELECONFERENCE OEOB, ROOM 459 JANUARY 24, 1992 3:30 P.M. Thank you, Mark [Tipton, President NAHB], for those kind words. // Hello to all of you celebrating the golden anniversary of the National Association of Home Builders. I hear you were promised a daytime fireworks display -- so I'll give this my best shot. First off, Barbara reminded me to tell you we're doing our part for home building -- thanks to a little rough weather back in Kennebunkport. // But there's been more than a little rough weather in your industry. Back in December, I met with Mark and Kent at the White House. We talked about the tough times you've experienced -- and we agreed on the need for strong action to get this economy moving again. // The housing industry has been hit hard. You've been pinched by the credit crunch. Hurt by the first-time homebuyers forced by economic circumstances to defer their shot at the American dream. You've also been done some unintended harm by federal regulations. Many builders have been caught short by the change in regulations that dramatically expanded the meaning of the term wetland. No one -- certainly not this President -- wants to see 2 this Nation's precious natural heritage threatened. We've pledged no net loss, and we'll stick with it. But we've got to let common sense rule: wetlands must be wet. My direction to. Vice President Quayle's Council on Competitiveness was to protect genuine wetlands and the property rights of landowners. // On the credit front, we've been working hard to get the message out to lending institutions and the regulatory community that sound banks make sound loans. I'm also pleased to see interest rates lower than they've been since the mid-70's. There's a pent-up demand for new housing that promises a strong comeback -- one that will bring homebuyers back into the market and have homebuilders working overtime. // But no issue right now matters more than the state of our economic health. / Next Tuesday, I'll take my economic action plan to the American people in the State of the Union. Without tipping my hand today, I can say that some of the reforms I want to see are the ones I spoke to you about in Atlanta back in 1990. A cut in the capital gains tax rate, incentives in our HOPE housing initiative to help first-time home buyers: in each case, prompt action up on Capitol Hill would have helped boost an ailing economy and create growth. It's even more urgent we get: these critical reforms through Congress now. / So count on it: I'm going to hit the line again, push hard to turn these solid proposals into policy -- and I hope I can count on your strong support to help me get the job done. 3 As for the rest of my pro-growth plan, you'll have to stay tuned for Tuesday. But I can say right now -- by way of a "coming attraction" -- that any growth package worth the name should pass the following five tests: First, it must stimulate the investment necessary to create jobs. Second -- and this points up the vital importance of your industry -- it must stop the slide in real estate values, and increase home sales. Third, it must give Americans confidence that the costs of health care, providing for their kids' education and raising a family will be affordable. Fourth, it must increase America's capacity to compete in the global economy. Fifth and finally, it must control wasteful government spending -- and bring the federal deficit under control. // So hear me out in the State of the Union. Listen to what my competition has to say -- and then make your decision. / I'm confident that when you sort out fact from fiction, you'll see that we've got the best plan to get this economy growing again. I am confident / absolutely certain / that we will get the economy turned around. And I am sure that once again the housing industry will lead the way to a strong and steady recovery. // I'll stop there, and take some questions. # # # NAT'L ASS'N OF HOMEBUILDERS TELECONFERENCE OEOB, ROOM 459 JANUARY 24, 1992 3:30 P.M. THANK YOU, MARK [TIPTON, PRESIDENT NAHB], FOR THOSE. KIND WORDS. 11 HELLO TO ROGER GLUNT, TOMMY THOMPSON, MARTIN PERLMAN, KENT COLTON, AND JAY BUCHERT [BU-KURT], YOUR INCOMING PRESIDENT -- AND TO ALL OF YOU CELEBRATING THE GOLDEN ANNIVERSARY OF THE NATIONAL ASSOCIATION OF HOME BUILDERS. [[I HEAR YOU WERE PROMISED A DAYTIME FIREWORKS DISPLAY -- SO I'LL GIVE THIS MY BEST SHOT.]] [[FIRST OFF, BARBARA REMINDED ME TO TELL YOU WE'RE DOING OUR PART FOR HOME BUILDING AND REMODELING -- THANKS TO A LITTLE ROUGH WEATHER BACK IN KENNEBUNKPORT.]] 11 BUT THERE'S BEEN MORE THAN A LITTLE ROUGH WEATHER IN YOUR INDUSTRY. BACK IN DECEMBER, I MET WITH MARK AND KENT AT THE WHITE HOUSE. WE TALKED ABOUT THE TOUGH TIMES YOU'VE EXPERIENCED -- AND WE AGREED ON THE NEED FOR STRONG ACTION TO GET THIS ECONOMY MOVING AGAIN. // - 2 - THE HOUSING INDUSTRY HAS BEEN HIT HARD. YOU'VE BEEN PINCHED BY THE CREDIT CRUNCH -- HURT BY FIRST- TIME HOMEBUYERS FORCED BY ECONOMIC CIRCUMSTANCES TO DEFER THEIR SHOT AT THE AMERICAN DREAM, AND HOMEOWNERS WHO'VE WATCHED THEIR EQUITY ERODE. ON THE CREDIT FRONT, WE'VE BEEN WORKING HARD TO GET THE MESSAGE OUT TO LENDING INSTITUTIONS AND THE REGULATORY COMMUNITY THAT SOUND BANKS MAKE SOUND LOANS. I'M ALSO PLEASED TO SEE INTEREST RATES LOWER THAN THEY'VE BEEN SINCE THE LATE 70'S. THERE'S A PENT-UP DEMAND FOR NEW HOUSING THAT PROMISES A STRONG COMEBACK -- ONE THAT WILL BRING HOMEBUYERS BACK INTO THE MARKET AND HAVE HOMEBUILDERS WORKING OVERTIME. // - 3 - BUT NO ISSUE RIGHT NOW MATTERS MORE THAN THE STATE OF OUR ECONOMY. / NEXT TUESDAY, I'LL TAKE MY ECONOMIC ACTION PLAN TO THE AMERICAN PEOPLE IN THE STATE OF THE UNION. WITHOUT TIPPING MY HAND TODAY, I CAN SAY THAT SOME OF THE REFORMS I WANT TO SEE ARE GEARED SPECIFICALLY TO GET THE HOUSING MARKET BACK ON ITS FEET, /// I PLEDGED AS PRESIDENT THAT WE'D SEE AN INCREASE OF ONE MILLION IN THE NUMBER OF NEW AMERICAN HOMEOWNERS. I'M PROUD TO SAY WE'VE REACHED THAT GOAL -- AND I'M CONVINCED OUR HOUSING INITIATIVES WILL HELP EVEN MORE AMERICANS REACH THEIR DREAM. ONE WAY WE'LL SUCCEED IS BY BREAKING DOWN THE BARRIERS TO AFFORDABLE HOUSING. JAY AND ROGER SERVED ON MY ADVISORY COMMISSION ON REGULATORY BARRIERS. MANY OF THE RECOMMENDATIONS IN WHAT THE COMMISSION CALLED THE NIMBY REPORT -- "NOT IN MY BACKYARD" -- HAVE BEEN BUILT INTO THE 1993 BUDGET. /// - 4 - I'LL BE CALLING FOR PROMPT ACTION BY THE CONGRESS BECAUSE IT'S EVEN MORE URGENT WE GET THESE CRITICAL REFORMS THROUGH CONGRESS NOW. / SO COUNT ON IT: I'M GOING TO HIT THE LINE AGAIN, PUSH HARD TO TURN SOLID PROPOSALS INTO POLICY -- AND I HOPE I CAN COUNT ON YOUR STRONG SUPPORT TO HELP ME GET THE JOB DONE. AS FOR THE REST OF MY PRO-GROWTH PLAN, YOU'LL HAVE TO STAY TUNED FOR TUESDAY. BUT I CAN SAY RIGHT NOW -- BY WAY OF A "COMING ATTRACTION" -- THAT ANY GROWTH PACKAGE WORTH THE NAME SHOULD PASS THE FOLLOWING FIVE TESTS: FIRST, IT MUST STIMULATE THE INVESTMENT NECESSARY TO CREATE JOBS. SECOND -- AND THIS POINTS UP THE VITAL IMPORTANCE OF YOUR INDUSTRY -- IT MUST BOLSTER REAL ESTATE VALUES, AND INCREASE HOME SALES. - 5 - THIRD, IT MUST GIVE AMERICANS CONFIDENCE THAT THE COSTS OF HEALTH CARE, PROVIDING FOR THEIR KIDS' EDUCATION AND RAISING A FAMILY WILL BE AFFORDABLE. FOURTH, IT MUST INCREASE AMERICA'S CAPACITY TO COMPETE IN THE GLOBAL ECONOMY. FIFTH AND FINALLY, IT MUST CONTROL WASTEFUL GOVERNMENT SPENDING - AND BRING THE FEDERAL DEFICIT UNDER CONTROL. 11 so HEAR ME OUT IN THE STATE OF THE UNION. I WILL AVOID THE QUICK POLITICAL FIXES THAT CAUSE THE DEFICIT TO SKYROCKET AND CAUSE LONGTERM INTEREST RATES TO GO THROUGH THE ROOF. / I'M CONFIDENT THAT WE'VE GOT A SOUND PLAN THE BEST PLAN TO GET THIS ECONOMY GROWING AGAIN. I AM ABSOLUTELY CERTAIN THAT WE WILL GET THE ECONOMY TURNED AROUND. AND I AM SURE THAT ONCE AGAIN THE HOUSING INDUSTRY WILL LEAD THE WAY TO A STRONG AND STEADY RECOVERY. // I'LL STOP THERE, AND TAKE SOME QUESTIONS. # # #