A bill filed in the Senate earlier this month would authorize Fannie Mae and Freddie Mac, as well as Federal Deposit Insurance Corp. member banks, to enter into long-term leases to permit families to stay in their homes while also easing the pressure of unsold foreclosure inventory on the housing market. The Home Act, S. 2080, sponsored by Sen. Dean Heller, R-NV, would afford banks and the GSEs the option of leasing their real estate-owned (REO) properties for up to five years, with the additional prospect of selling the house to the renter once the rental lease runs out.