All USA
Charles Baltimore delivers dynamic online property search to West Palm Beach clients with custom...
EUGENE, OR - July 25, 2011 - (RealEstateRama) -- IDX, Inc. and Charles Baltimore have revolutionized the online real estate search for West Palm Beach, Florida prospective buyers. As a member of the Palm Beach Regional MLS (RMLSFL), Baltimore has long had access to thousands of local property listings. Now, his clients can search with the same levels of accessibility once reserved only for real estate agents and broker, thanks to the innovative IDX Broker software Baltimore has enabled for his website. Finding a Florida waterfront area home online has never been easier for clients of The Baltimore Group.
Seniors Among Hardest Hit by Foreclosure Rescue Scams; Today’s Launch of the Consumer Financial...
WASHINGTON, D.C. - July 25, 2011 - (RealEstateRama) -- The Lawyers' Committee for Civil Rights Under Law applauds today's launch of the Consumer Financial Protection Bureau (CFPB). To mark this momentous date in the fight for consumer protections, the Lawyers' Committee released an issue brief on the severe impact of the ongoing foreclosure rescue scam crisis on older Americans. Scammers are preying on distressed homeowners by offering much-needed foreclosure counseling or loan modification assistance for a fee, yet failing to deliver any results-or refunds-in the end.
CONSTRUCTION EMPLOYMENT DECLINES IN 26 STATES AND D.C. BETWEEN JUNE 2010 & 2011, AS...
WASHINGTON, D.C. - July 25, 2011 - (RealEstateRama) -- Construction employment declined in 26 states and D.C. between June 2010 and 2011 and dropped in 22 states and D.C. between May and June, according to an analysis by the Associated General Contractors of America of state employment data released by the Labor Department. The construction industry continues to suffer from a difficult combination of weak private sector demand and declining public sector investments in construction.
Coldwell Banker’s Lisa Cupp to be Featured on HGTV’s House Hunters
San Diego, CA - July 25, 2011 - (RealEstateRama) -- Coldwell Banker Residential Brokerage La Mesa’s Lisa Cupp will lend her San Diego real estate industry knowledge to an upcoming episode of HGTV’s House Hunters, July 25 at 8: 00 p.m. In the upcoming episode, REALTOR® Cupp assists Tya Haylock, the new wife of deployed Navy Quartermaster 1st Class Sherman Haylock, in an effort to purchase the couple’s first home
FREIGHT FORWARDING FIRM EXPANDS AND PURCHASES FACILITY
Miami, FL - July 25, 2011 - (RealEstateRama) -- CB Richard Ellis (CBRE) announced today the sale of 10825 NW 33rd Street, a 8,885-square-foot industrial building, for $1,275,000. The building was purchased from A DE Q Holdings, Inc. by High Property Group, LLC with intent to occupy the space.
Ryan Gast Joins Present Value Properties as Associate Broker
TUSTIN, CA - July 25, 2011 - (RealEstateRama) -- Gregory A. Fisher, President of Present Value Properties, Inc., a full service retail real estate brokerage and consulting firm headquartered in Tustin, Calif., announced today that Ryan Gast has joined Present Value Properties as Associate Broker. He will be responsible for managing and sourcing new retailer and landlord representation assignments. Present Value Properties exclusively represents a variety of chain retailers throughout Southern California including Gold Max, Menchie’s Frozen Yogurt, Southern Pizza Hut, and Payless ShoeSource. The firm currently has 650,000 square feet of retail space listed throughout Southern California
Total Mortgage Services To Hire 50 New Loan Officers To Expand Retail Channel
MILFORD, CT - July 25, 2011 - (RealEstateRama) -- Total Mortgage Services, LLC, a leading mortgage lender, announced today it is aggressively hiring 50 new retail loan officers to help expand its retail channel’s market position throughout the 23 states it is currently licensed in to originate residential mortgage loans. Total Mortgage is actively recruiting high quality mortgage production professionals, offering a highly competitive compensation package and access to some of the lowest mortgage rates and best in class operational support in the industry.
Halstead Property Development Marketing Tapped To Lead Sales At 109 Gold Street In Brooklyn
NEW YORK, NY - July 25, 2011 - (RealEstateRama) -- Halstead Property Development Marketing today announced that it has been named the exclusive sales and marketing agent for 109 Gold Street in DUMBO, Brooklyn.
RE/MAX Agents Report Five Easy Ways to Spend $100 Or Less To Improve Your...
Elgin, IL - July 25, 2011 - (RealEstateRama) -- RE/MAX agents in the northern Illinois real estate market say that homeowners can take several steps to increase their home's appeal both inside and out without spending a fortune. In fact, homeowners can breathe new life into their homes and increase its appeal by spending $100 or less.
HUD AND NEIGHBORWORKS AMERICA ANNOUNCE DEADLINE EXTENSION FOR EMERGENCY HOMEOWNERS’ LOAN PROGRAM
Washington, D.C. - July 25, 2011 - (RealEstateRama) -- Today the U.S. Department of Housing and Urban Development and NeighborWorks® America announced that the deadline for the Emergency Homeowners' Loan Program has been extended to Wednesday, July 27, 2011, in order to give homeowners at risk of foreclosure in the participating 27 states and Puerto Rico more time to apply for the program.
Custom IDX solution makes real estate searches a DREAM for the Miami clients of...
EUGENE, OR - July 25, 2011 - (RealEstateRama) -- Miami, Florida's luxury real estate market just became easier to navigate with Cedric Teboul's addition of IDX Broker to his company's website. IDX solution software is now seamlessly integrated onto the D.R.E.A.M. (Dynamic Real Estate Assistance and Management) website Teboul hosts, creating a dynamic and thorough IDX-enabled search page for clients in Miami and surrounding areas. Thousands of detailed Florida listings are updated minute-by-minute to ensure that home seekers experience only the best possible online property search.
VERMONT HOUSING DATA WEBSITE ADDS LATEST CENSUS FINDINGS
BURLINGTON, VT - July 22, 2011 - (RealEstateRama) -- The Vermont Housing Data Website (www.housingdata.org) has added hundreds of Census data including Census 2010 demographic information and detailed estimates on home heating sources and housing cost ...
Hinchey Announces $200,000 in Federal Funding to Help Homeless Veterans in the Hudson Valley...
Washington, DC - July 22, 2011 - (RealEstateRama) -- Congressman Maurice Hinchey (D-NY) today announced that the Poughkeepsie Housing Authority has been awarded $212,520 in federal funds to provide permanent housing for homeless veterans in the Mid Hudson Valley. The funds were awarded through the U.S. Department of Housing and Urban Development (HUD) Veterans Affairs Supportive Housing (VASH) program of which Hinchey is a steadfast supporter
Nixon Peabody Attorney Named To Nonprofit Council; Tatiana Gutierrez Abendschein Joins Organization Dedicated to...
Washington, DC. - July 22, 2011 - (RealEstateRama) -- International law firm Nixon Peabody LLP is pleased to announce that Tatiana Gutierrez Abendschein has been named to the Associate Advisory Council for the National Law Center on Homelessness & Poverty.
Capps Pushes Bipartisan Legislation to Support Energy Efficient Upgrades to Central and South Coast...
WASHINGTON, DC - July 22, 2011 - (RealEstateRama) -- Today Congresswoman Lois Capps (CA-23) and a bipartisan group of her colleagues introduced the PACE Protection Act of 2011 (H.R. 2599) to promote energy efficient upgrades to homes. This bill would prevent federal regulators from adopting policies that disregard established state and local Property Assessed Clean Energy (PACE) laws. The PACE program is designed to allow homeowners an opportunity to lower their utility bills by making energy efficiency improvements to their homes, which would in turn help clean energy businesses sell more of their energy efficient products, expand green manufacturing operations, and create jobs.
Press Democrat – “Thompson bill would protect energy retrofit loans”
Washington, D.C. - July 22, 2011 - (RealEstateRama) -- Rep. Mike Thompson joined with two House Republicans Wednesday in introducing legislation to protect the government-financed home and business energy retrofit programs that have run afoul of federal housing regulators.
L.A. Times – “Legislators introduce bill to resuscitate PACE program for green upgrades to...
Washington, D.C. - July 22, 2011 - (RealEstateRama) -- A government program that helped homeowners finance and install green upgrades before a technical roadblock stalled it last year may be resuscitated by Congress.
Grijalva Highlights Foreclosure Prevention Workshop Saturday, July 23 – Free Information, Credit Workshops Available...
Washington, D.C. - July 22, 2011 - (RealEstateRama) -- Rep. Raúl M. Grijalva today highlighted a free workshop on foreclosure prevention and home finance taking place in Tucson on Saturday, July 23. The event is jointly hosted by the Federal Home Loan Bank of San Francisco, Don’t Borrow Trouble Pima County, the City of Tucson, Fannie Mae, Pima County, and the Southwest Fair Housing Council.
Short-sale process broken, pushing Central Valley families into foreclosure, REALTOR® survey shows
FRESNO, CA - July 22, 2011 - (RealEstateRama) -- More than half of Central Valley REALTORS® characterized closing short-sale transactions as “difficult” or “extremely difficult,” according to a Lender Satisfaction Survey conducted by the CALIFORNIA ASSOCIATION OF REALTORS® (C.A.R.). The survey gauges REALTORS®’ experience working with lenders in their most recent transaction. The majority of those surveyed dealt with short-sale transactions – transactions in which the lender or lenders agree to accept less than the mortgage amount owed by the current homeowner.
Global Tower Partners Closes New Financing
BOCA RATON, FL - July 22, 2011 - (RealEstateRama) -- Global Tower Partners (“GTP”) announced today that it closed its $645,000,000 Secured Tower Revenue Notes Global Tower Series 2011-2 on July 7, 2011. The Company issued $490,000,000 Series C Notes (rated A2(sf)/A(sf) by Moody’s and Fitch respectively) and $155,000,000 Series F notes (rated Ba3(sf)/BB-(sf) by Moody’s and Fitch respectively). The notes have a blended coupon of 5.135 percent with a 30-year legal maturity.
U.S. National
Shaping commercial spaces with light control: the rise of architectural window films
Walk into any modern office, stylish restaurant, or bustling retail store, and you’ll likely notice it — a subtle but transformative layer across the windows. Architectural window films have
‘A hidden threat’: San Mateo lawmaker warns of rising groundwater risks, seeks study funding
A Bay Area lawmaker is pushing for new federal legislation to study the threat rising groundwater poses — a hidden but growing environmental danger that experts say could worsen flooding, damage infrastructure, and contaminate drinking water.
Thrivent, Habitat for Humanity celebrate 20 years of transforming lives together
Thrivent and Habitat for Humanity International are celebrating their 20th year of partnership, which is grounded in helping families around the world access safe, affordable housing. Since
NAHB Commends Senate Banking Panel for Advancing Housing Legislation
Challenging affordability conditions, elevated interest rates and economic uncertainty continue to act as headwinds on the housing sector as many potential buyers continue to stay on the
Rounds Advances Major Housing Wins for South Dakota in Committee Markup
U.S. Senator Mike Rounds (R-S.D.) today successfully advanced key housing priorities for South Dakota during a bipartisan markup in the Senate Banking, Housing, and Urban Affairs
NAREB DEVELOPMENT ACADEMY TRAINS 227 EMERGING DEVELOPERS TO BOLSTER HOUSING CONSTRUCTION
The National Association of Real Estate Brokers (NAREB) proudly graduates 227 emerging developers from the NAREB Developers Academy on Tuesday, as the organization of Black real estate developers, known as Realtists, seeks to increase production of much-needed housing in communities nationwide.
FEMA Announces Billions in Federal Funds to Empower States to Prepare for Disasters
Over the coming weeks, FEMA is marking billions of dollars in federal funding available for state, local, tribal and territorial partners. This includes seven Notices of Funding Opportunity that
Horsford Opening Statement at Field Hearing on the One, Big, Ugly Law
Thank you, Mr. Chairman – and welcome to my hometown, Las Vegas, Nevada. And before, I get into my remarks – Mr. Chairman, as you know, Senate Republicans unilaterally thrusted the gaming economy and its patrons into uncertainty with the unjust inclusion of the wagering loss
Urban Land Institute Launches California-Nevada Partnership to Advance Urban Resilience and Climate Leadership
The Urban Land Institute (ULI) today announced a new regional initiative in partnership with seven public agencies across
Second Century Ventures Announces 9 Companies for 2025 REACH Commercial Scale-Up Program
Second Century Ventures, the strategic investment arm of the National Association of Realtors® and the most active global real
Tuberville Introduces Huntsville’s Bill Roark During HELP Hearing
U.S. Senator Tommy Tuberville (R-AL)introduced Mr. Bill Roark of Huntsville, Alabama, as a witness appearing before the Senate Health, Education, Labor, and Pensions (HELP) Committee. The hearing was about empowering workers by expanding employee ownership.
Housing Subcommittee Explores Modern Solutions to the Housing Shortage
The Subcommittee on Housing and Insurance, led by Subcommittee Chair Mike Flood (NE-01), held a hearing exploring bipartisan solutions to the housing shortage, such as modernizing the HOME Investment Partnership (HOME) Program which has not
HUD and Census Bureau Report New Residential Sales in June 2025
The U.S. Census Bureau and the U.S. Department of Housing and Urban Development jointly announced the following new residential sales statistics for June 2025
Moving to La Cañada Flintridge: Newcomer Mistakes To Avoid
Relocating to a new city can be exciting and challenging, especially when moving to an upscale community like La Cañada Flintridge. Known for its excellent schools, serene neighborhoods,
Kelly, Gallego Reintroduce Bipartisan Canadian Snowbirds Act to Boost Arizona Economy, Tourism
This week, Arizona Senators Mark Kelly and Ruben Gallego reintroduced the Canadian Snowbirds Act, bipartisan, bicameral
DOE Announces Site Selection for AI Data Center and Energy Infrastructure Development on Federal...
The forthcoming solicitations will drive innovation in reliable energy technologies, contribute to lower energy costs, and
MISMO Publishes Updated eVault Standards and SMART Doc® Validation Rules
MISMO®, the real estate finance industry's standards organization, today published revisions to the eVault Standards and SMART Doc® Validation Rules. This standard increases
Congresswoman Torres FY26 Community Projects $21 Million to California’s 35th Congressional District
U.S. Representative Norma J. Torres (CA-35) announced the inclusion of 15 Community Project Funding requests in the House
NIBS Releases 2025 Moving Forward Report: A Call to Retrofit for Resilience
he National Institute of Building Sciences (NIBS) Consultative Council has released its 2025 Moving Forward Report. Extreme weather events, including hurricanes, wildfires, and severe
New Home Sales Hold Steady at a Relatively Tepid Level
Challenging affordability conditions, elevated interest rates and economic uncertainty continue to act as headwinds on the housing sector as many potential buyers continue to stay on the
U.S. States
President Donald J. Trump Approves Emergency Disaster Declaration for Texas
FEMA announced federal disaster assistance has been made available to the state of Texas to supplement state and local recovery efforts in the areas affected by Hurricane Hanna from July 25, 2020, and continuing
FEMA Fire Management Assistance Granted for the Numbers Fire
The Federal Emergency Management Agency (FEMA) has authorized the use of federal funds to assist the State of Nevada in combating the Numbers Fire burning in Douglas County.
How Much Does It Cost To Start An LLC In Texas?
In the process of setting up your Texas LLC, you'll be faced with quite a few expenses. Some of these are required by legislation, and others are just recommended. We'll cover the costs of setting up an LLC in Texas and also provide you with the informatio
5 Benefits Of Using A Registered Agent In Texas
The services of a registration agent began as part of due process in the US Constitution. A lawsuit includes the legal right to be notified of claims or other legal matters. Here are some brief things that will help explain what a Registered Agent Service In Texas
Avoid TV Tip-Over Incidents During Super Bowl LIV with Safety Tips
The New York State Division of Consumer Protection (DCP) is alerting consumers about the dangers of television (TV) tip-over hazards. Millions of New Yorkers will watch the Super Bowl this Sunday either on TVs at home or at parties with friends. DCP is taking this TV-focused occasion to remind consumers of critical TV safety tips.
Brand-New Single-Tenant Starbucks Drive-Thru Trades in Fresno, Calif. for $1,345 PSF
Hanley Investment Group Real Estate Advisors, a nationally recognized real estate brokerage and advisory firm specializing in retail property sales, announced today that the firm has completed the sale of a brand-new, single-tenant Starbucks
Rosenberg family home for the holidays – and prepared for future hurricanes
A Houston-area mom is sharing her Hurricane Harvey recovery story this holiday season, along with the importance of always being prepared for flood events.
5 Cities in Florida: Which One Makes for the Best Real Estate Investment Opportunity...
Fast-growing Florida has been a favorite of real estate investors for many years. With so much interest having been focused on the state, though, investors need to take care to seek the best available opportunities.
WALTER J. MAHONEY STATE OFFICE BUILDING TO BE SOLD
Office of General Services Commissioner RoAnn Destito today announced that the Senator Walter J. Mahoney State Office Building located at 65 Court Street in Buffalo will be sold at auction in 2020. A work group formed earlier this year made up of City, County, and State officials working with professional real estate consultants CBRE, determined that in the current competitive and robust Buffalo real estate market
Charleston South Carolina expected to outpace national real estate market averages through 2025
The National Association of Realtors® (NAR) recently identified 10 markets expected to outperform over the next three to five years. In alphabetical order, the markets are
WHAT IS THE EVICTION PROCESS IN CALIFORNIA?
Eviction is a dirty word for both tenants and the landlords that believe the time has come to remove one or more parties from an apartment. The process anywhere can lead to a strained relationship at best and a bitter acrimonious fight that ends up in the judicial system.
FEMA Offers Free Rebuilding Tips at Local Home Improvement Stores
Disaster survivors affected by the severe storms and floods from Tropical Storm Imelda, can visit local home improvement stores in Katy, Houston and Spring from Monday, Dec. 9, to Saturday
Florida Tops ABC’s Annual Merit Shop Scorecard State Ranking for Second Year in a...
Associated Builders and Contractors released its 2019 Merit Shop Scorecard today, an annual ranking based on state policies and programs that encourage workforce development, career and technical education
Top 4 Places to Buy a Second Home in the US
There are about 7.4 million homes owned as a second home in the United States. For many people, their second home is a vacation home. This gives them a chance to get away and break routine while also having all of the comforts of being in their own home.
Ribbon Cutting Celebrating New Affordable Apartments in the Bronx for Low-Income Families and Domestic...
New Destiny was joined by supporters and colleagues to celebrate the opening of its newly constructed service-enriched affordable housing project - The Jennings - located in the Crotona Park East
HUD AWARDS $1.5 MILLION TO PUBLIC HOUSING AUTHORITIES TO ASSIST YOUNG PEOPLE AGING OUT...
U.S. Housing and Urban Development (HUD) Secretary Ben Carson today awarded $1.5 million to nearly a dozen housing authorities to assist young people aging out
BLM NAMES VETERAN LAND MANAGER TO LEAD CALIFORNIA STATE OFFICE
The Bureau of Land Management today announced that Karen Mouritsen has been named the new California State Director—a key leadership position based in Sacramento. As State Director, Mouritsen will direct a team that manages lands encompassing 15% of the Golden State’s total land mass
California Real Estate Developer Convicted of Making Conduit Contributions in Two U.S. Congressional Campaigns
Today, a federal jury found an Oakland-area real estate developer guilty for funneling tens of thousands of dollars through straw donors into two consecutive congressional campaigns
NYS OASAS ANNOUNCES OPENING OF NEW RECOVERY CENTER IN NEW YORK CITY
The New York State Office of Alcoholism and Substance Abuse Services (OASAS) today announced the opening of the new JLC Recovery and Wellness Center in New York City. JLC is operated by Exponents Inc. and provides free help and support services for people affected by addiction and for their families.
Robust U.S economy not a boost for black homeownership
In spite of a robust U.S. economy, a strong employment rate, and steadily increasing 401(k) plan earnings, Black homeownership rates continue to drop. Drawing from the 2019 release of the National Association of Real Estate Brokers
Popular
SIXTY PERCENT OF FIRMS WORKING ON HIGHWAY UPGRADES EXPERIENCED CARS CRASHING INTO THEIR WORK...
Annual Survey by HCSS and Associated General Contractors of America Finds Drivers and Passengers are at Greater Risk of Injury and Death in Work Zone Crashes As Officials Urge Drivers
New Home Sales Decline in May
Sales of newly built, single-family homes fell 7.8 percent to a seasonally adjusted annual rate of 626,000 units in May, according to newly released data by the U.S. Department of Housing and Urban Development and the U.S. Census Bureau.
$17+ Million in Grants Will Help States, Local Communities Keep Waters Clean, Economies Thriving
Water-loving outdoor recreationists and local communities in 27 states will have additional resources to help boaters keep America’s waters clean, thanks to more than $17 million in Clean Vessel Act program grants from the U.S. Fish and Wildlife Service.
Port Aransas ready for return of summer tourism
Texas SandFest drew a record 35,000 people April 26-28, encouraging business owners that Port Aransas is on its way to recovery. With nearly all the city’s retailers and restaurants re-opened, residents are beginning to feel like things are getting back to normal.
OJO Labs: Five Months, Eight Major Awards
OJO Labs, a leading-edge technology company on a mission to empower consumer decision-making through its conversational AI assistant, OJO, won the highly coveted 2019 A-List Award among mid-sized companies from the Austin Chamber of Commerce in partnership with SXSW
Should I Rent Out my Property on Airbnb?
Listing property on Airbnb has become a popular way to make extra money, meet new people, and provide some freedom, but there are a few key things to think about when you are considering listing your property. It is key to know what you’re getting yourself into.
The Rockefeller Foundation Launches $5.5 Million Opportunity Zone Community Capacity Building Initiative for Select...
The Rockefeller Foundation today announced an initiative to help U.S. cities attract responsible private investment in economically-distressed communities through Opportunity Zones created in the 2017 Tax Cuts and Jobs Act. This effort will help ensure new investment delivers sustainable benefits for more than 30 million low-income Americans living in Opportunity Zones
Eden Housing and City of Fremont Celebrate Grand Opening of KTGY-Designed Affordable Senior Housing...
Pauline Weaver Senior Apartments is located in the Warms Springs area of Alameda County and features 90 apartment homes for very low and extremely low-income seniors, near I-880 freeway, BART, shopping, services and other amenities.
VA’s Home Loan Guaranty program notifies Veterans of potential loan fee waivers
The U.S. Department of Veterans Affairs (VA) announced May 13 that Veterans who qualify for a VA Home Loan funding fee waiver are now being notified in their home loan eligibility certificate and disability compensation award letter.
A Stellar Idea: My Florida Regional MLS Reimagines the Multiple Listing Service
The nation's third-largest Multiple Listing Service, My Florida Regional MLS, will become Stellar MLS on June 4, 2019, in a move that totally reimagines the MLS. Currently serving 58,000 customers
NATIONAL ASSOCIATION OF HOME BUILDERS TO CO-HOST HUD INNOVATIVE HOUSING SHOWCASE
U.S. Department of Housing and Urban Development (HUD) Secretary Ben Carson today announced the National Association of Home Builders (NAHB) will co-host the Department's inaugural "Innovative Housing Showcase." The Innovative Housing Showcase will be held on the National Mall June 1-5, 2019
Department of the Interior: Yakima Water Plan Is a “Model” and “Holistic”
Yesterday, U.S. Senator Maria Cantwell (D-Wash.), ranking member of the Senate Energy and Natural Resources Committee, asked the Department of the Interior about its commitment to the Yakima River Basin during a hearing on the president’s FY 2017 budget request. Deputy Secretary of the Interior Michael Connor agreed with Sen. Cantwell that the Yakima River Basin plan “is a model for the rest of the nation in water management.”
Energy Costs to Cook Thanksgiving Meal Up to 25% Lower in 2015
“Consumers Energy is thankful to be a part of holiday celebrations across the state as warm Thanksgiving memories are being made, and we are committed to providing many more generations of Michigan families with reliable, affordable energy in all seasons,” said Garrick Rochow, Consumers Energy’s vice president and chief customer officer
Agencies Issue Final Rule to Exempt Subset of Higher-Priced Mortgage Loans from Appraisal Requirements
WASHINGTON, D.C. - December 13, 2013 - (RealEstateRama) -- Six federal financial regulatory agencies today issued a final rule that creates exemptions from certain appraisal requirements for a subset of higher-priced mortgage loans. The exemptions are intended to save borrowers time and money while still ensuring that the loans are financially sound
Department Enters into Consent Order with Equity Loans, LLC and its owners Eduardo Gutierrez...
Atlanta, Georgia - November 13, 2013 - (RealEstateRama) -- the Georgia Department of Banking and Finance (“Department”) entered into a Consent Order with Equity Loans, LLC, License Number 23300, located at 1150 Hammond Dr., Building E, Suite 650, Atlanta, Georgia 30328, to resolve allegations pertaining to violations of the Georgia Residential Mortgage Act