Wednesday, April 7, 2021

FM #504 -Town Council - Capital Budget SubComm - 03/31/21 (audio)

FM #504 = This is the Franklin Matters radio show, number 504 in the series. 

This session of the radio show shares the Town Council Capital Budget Subcommittee meeting held on Wednesday, March 31, 2021.

The meeting was conducted in a hybrid format: the Subcommittee members, Town Administrator and key personnel, were in the Council Chambers; the public was remote via conference bridge, all to adhere to the ‘social distancing’ requirements of this pandemic period.

Links to the meeting agenda and associated documents are included in the show notes. The recording runs about 78 minutes, so let’s listen to the Capital Budget Subcommittee meeting.   Audio file => https://player.captivate.fm/episode/4bfe56e1-5469-43da-a665-d573497a9237


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Capital Budget agenda  https://www.franklinmatters.org/2021/03/capital-budget-subcommittee-meeting-mar.html 

Town of Franklin budget page  https://www.franklinma.gov/town-budget 
Franklin Schools budget page  https://www.franklinps.net/district/school-district-budget 


Audio recording of FinComm mtg (capital budget segment)
https://www.franklinmatters.org/2021/03/fm-488-finance-committee-meeting-031021.html 

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We are now producing this in collaboration with Franklin.TV and Franklin Public Radio (wfpr.fm). 

This podcast is my public service effort for Franklin but we can't do it alone. We can always use your help.

How can you help?

  • If you can use the information that you find here, please tell your friends and neighbors
  • If you don't like something here, please let me know

Through this feedback loop we can continue to make improvements. I thank you for listening.

For additional information, please visit   Franklinmatters.org/  or www.franklin.news/

If you have questions or comments you can reach me directly at shersteve @ gmail dot com

The music for the intro and exit was provided by Michael Clark and the group "East of Shirley". The piece is titled "Ernesto, manana"  c. Michael Clark & Tintype Tunes, 2008 and used with their permission.

I hope you enjoy!

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You can also subscribe and listen to Franklin Matters audio on iTunes or your favorite podcast app; search in "podcasts" for "Franklin Matters"

 

FM #504 -Town Council - Capital Budget SubComm - 03/31/21 (audio)
FM #504 -Town Council - Capital Budget SubComm - 03/31/21 (audio)

 

Now On View: The Norfolk Annual Juried Art Show!

Check out the online Norfolk Cultural Council 2021 Juried Art Show!!!   Several FAA members have works in this show!!
Our first ever virtual art show is open!
The Norfolk Annual Juried Art Show!

The 2021 Norfolk Annual Art Show is now on view!

Click here to view the show!

Thanks again to all of our amazing contributors! We were blown away by this year's submissions and we're so proud to share this exhibition with our community!

Link to show =  https://docs.google.com/presentation/d/1GV5VEVbj7XWADGgfjEZsnGMADD49_qx_E-IO7Zm7Ce0/edit#slide=id.gc7df0fa463_0_0
View on web page = https://mailchi.mp/59741930a1a9/now-on-view-the-norfolk-annual-juried-art-show?e=760a96ab86

MA State News: vehicle inspections next week; Gov Bakers gets first vaccine shot

 

"Vehicle inspections will not be performed until at least next week because of an ongoing problem with Applus Technologies, a vendor with the Registry of Motor Vehicles, officials said Tuesday.

The RMV is granting a grace period for some motor vehicle inspections, the RMV said. Vehicles with expired inspection stickers from March and vehicles bought or registered after March 23 should be given until April 30 to get an inspection, the RMV said.

Customers who recently had an inspection and are in the 60-day free retest window will be afforded an extra day for each day Applus’s system remains unavailable, but should plan to get an inspection as soon as possible once the system is restored."

Continue reading the article online (subscription may be required)
 
"GOV. CHARLIE BAKER appeared to have no problem on Tuesday with Northeastern University requiring students to be vaccinated by the first day of the fall semester, even though he has balked at mandating vaccinations for other populations.

The governor said many colleges and universities are considering vaccine requirements for students similar to what Northeastern announced. “It’s going to be an issue they’re all going to talk about,” he said, adding that students should get vaccinated."
Continue reading the article online
 
Gov Baker's press conference after he got his first vaccine shot =>  https://youtu.be/fauTJj4XCvE
 

New IRS imposter scam targets college students and staff

Consumer Alerts from the Federal Trade Commission


by Ari Lazarus, Consumer Education Specialist, FTC

If you're a college student, faculty, or staff member, you're going to want to pay attention to this one. IRS imposters are sending phishing emails to people with ".edu" email addresses, saying they have information about your "tax refund payment." What do they really want? Your personal information.

Shared from  https://www.consumer.ftc.gov/blog/2021/04/new-irs-imposter-scam-targets-college-students-and-staff?utm_source=govdelivery

New IRS imposter scam targets college students and staff
New IRS imposter scam targets college students and staff

Tuesday, April 6, 2021

Franklin Education Foundation (FEF) - May 4 - Day of Giving

The Franklin Education Foundation (FEF) invites the community to join in a day of giving on Tuesday, May 4, 2021, as Franklin celebrates the birthday of public-school advocate, Horace Mann, and the amazing work of our local educators. 

Since 1997, FEF has funded hundreds of educational grants totaling well over $300,000, to inspire innovative and sustainable programs, and to further support excellence in education within Franklin Public Schools. The educational grants support engaging, diverse and sustainable preK-12 learning opportunities and resources including a Franklin Family Resource Guide, Box City, Family Astronomy Night, Franklin High School Empty Bowls Project which are just a few of the many amazing projects that have benefitted students, families, educators and the community-at-large over the decades.

 However, none of these innovative programs and resources would be possible without the financial support of area businesses, organizations, families and individuals. The Franklin Education Foundation is entirely dependent on the generosity of sponsorships, financial donations, and in-kind donations. We welcome contributions all year long and hope you will consider participation in our day of giving to the Franklin Education Foundation to support innovative programs that truly enhance student learning in Franklin Public Schools. 

Contributions can be made directly to the Franklin Education Foundation website under the donate tab https://www.franklined.org/get-involved/donate, or by mailing a check to Franklin Education Foundation at P.O. Box 531, Franklin, MA 02038. 

You can learn more about the Franklin Education Foundation (FEF) on their website at https://www.franklined.org/. For more information about FEF please contact FEF co-chair, Pandora Carlucci at pandora.carlucci@gmail.com

The Franklin Education Foundation thanks you for your continued support.

Franklin Education Foundation (FEF) - May 4 - Day of Giving
Franklin Education Foundation (FEF) - May 4 - Day of Giving


 

Hey Franklin, you can help with this request

"Hi there. I'm wondering if you can help me. 
My father in law just passed away and one of his last requests was for us to be sure to tell a man named Ed Beksha from Franklin, used to own the Uptowne Pub. I found a land line for him, but it was disconnected. 
I don't see anyone by his name on Facebook. I'm hoping since you're from Franklin, hopefully you're a "townie" and may either know this man or know how I can get in touch with him? 
Apparently he and my father in law were army buddies, and very good friends. my father in law said Ed Beksha would want to know when he passed. thank you in advance. By the way, my father in law is Karl Backlund Sr.   
In kindness,  
Wendy Backlund"

If anyone does have information for Wendy, let me know. I have contact information for her

Hey Franklin, you can help with this request
Hey Franklin, you can help with this request


A Spring Arts Awakening for THE BLACK BOX

THE BLACK BOX, Franklin’s very own concert, theater, and event venue, will host nine weeks of entertainment, outdoors under a tent in the venue’s parking lot. The Spring Arts Awakening celebrates a comeback for arts and entertainment and offers an opportunity to support THE BLACK BOX in its recovery from the pandemic.

Spring Arts Awakening at THE BLACK BOX kicks off on April 16 with a concert by three Disney Stars of Broadway: Broadway’s original “Mary Poppins” Ashley Brown, current “Genie” Michael James Scott, and original “Tarzan” Josh Strickland. The trio will perform an evening of Disney favorites. There will be limited seating for this special evening out in Franklin.

The Spring Arts Awakening lineup will also include local band The Peacheaters, Blues legend James Montgomery, viral a cappella sensation T.3, international touring ensemble Electric Youth, cabaret performances featuring Broadway stars, a June Pride Month concert benefiting The Trevor Project, FPAC’s annual Culinary Cabaret, and more. 

“The Spring Arts Awakening provides an opportunity to welcome our audiences back to THE BLACK BOX,” notes TBB and Franklin Performing Arts Company Director Raye Lynn Mercer. “The safety of an outdoor venue provides patrons a comfortable transition to performances and event gatherings.” Mercer adds, “Reopening guidelines will be followed and all safety protocols will be in place.” 

Patrons are encouraged to visit www.THEBLACKBOXonline.com and follow THE BLACK BOX on social media to stay updated on the venue’s offerings. 
 
Disney Stars of Broadway
Disney Stars of Broadway


FHS volleyball team tops Attleboro; both track teams top King Philip

From HockomockSports.com and Twitter we share the FHS sports results: 
 
Volleyball = Franklin, 3 @ Attleboro, 0 – Final

Boys Winter Track = King Philip @ Franklin,  Win (score not yet available)
Girls Winter Track = King Philip @ Franklin, 
Win (score not yet available)
 
 
For other results around the Hockomock League
 
Updated 4/6/21 PM
[Girls Winter Varsity Indoor Track] Franklin HS defeats King Philip Rgnl HS, 61 to 30.
[Boys Winter Varsity Indoor Track] Franklin HS defeats King Philip Rgnl HS, 52 to 39.
https://twitter.com/FHSSports/status/1379499464285638665

Hockomock League: Away Spectators Expanded for all Fall II Competitions

"Effective immediately, the Hockomock League will admit 2 family members of all AWAY student-athletes competing in games, matches, or meets. Home-team spectator restrictions continue to be limited to 2 adult family members and siblings per HOME participant.

This policy will include all league sports offered during the Fall II season: Cheerleading, Football, Volleyball, Track and Field, and Unified Basketball. 

The Athletic Directors will continue to monitor information as it is made available from the EEA, DESE, and our local Boards of Health. Each district has the ability to modify this policy based on its own facility limitations and/or local Board of Health restrictions. It is our goal to focus on the health and safety of our communities while safely permitting family members of our athletes the opportunity to watch high school sports in person. "

Shared from the Hockomock League page
 
Hockomock League Fall II Update on Away Spectators
Hockomock League:  Away Spectators Expanded for all Fall II Competitions


Franklin Art Association: Marjorie Sardella - Photography - April 7, 2021

FAA member Marjorie Sardella will talk about her approach to photography. Monthly meeting Wednesday, April 7, 2021 at 6:30 PM. 

Marjorie S. Sardella ~ Marjorie’s love of photography began at the age of ten with her first Brownie Camera. She later painted in oils for several years, but eventually returned to her first love, photography. Having taken several photography courses in the past, at Boston College, she came to love the process of creating a finished photo from a developed negative in the darkroom, skills Marjorie now applies to her photographic works, using mostly traditional darkroom techniques in her “digital darkroom” when required. 

Often, her photographic works are mistaken for paintings, perhaps reflecting on her earlier experience in oil painting. For twenty years, Marjorie was the event photographer and Photo archivist for the Boston College Presidential Scholars Program, which involved traveling to France for over a month each year, offering her the opportunities to travel to other western European countries as well as ventures throughout the northeastern part of the US. 

Through the years, Marjorie’s photos of land, sea, and cityscapes, of wildlife and people seek to capture moments in time that also evoke a sense of timelessness, inviting viewers to enter into a world that rouses, renews and rewards their inner selves.

Zoom link for FAA Meeting Apr 7 =>  https://us02web.zoom.us/j/82181910922?pwd=ME9aTGtvRVJFVlg2aDBlMllVT1ZZdz09

Franklin Art Association:  Marjorie Sardella - Photography - April 7, 2021
Franklin Art Association:  Marjorie Sardella - Photography - April 7, 2021


Attention Senior Citizens - Comcast Discount Available

Senior Citizen Comcast Discount

Attention Franklin Seniors 65+!  You may be eligible for a monthly discount on your Comcast bill.  

"Comcast offers a $2.00 per month on off its monthly “Extra” Service Level or that Digital Level of Service"

Please find more information and the form to apply for the discount posted here https://www.franklinma.gov/sites/g/files/vyhlif591/f/uploads/franklin_senior_citizen_discount_form_for_comcast.pdf 


Attention Senior Citizens - Comcast Discount Available
Attention Senior Citizens - Comcast Discount Available

Let’s Laugh Today is FREE Every Wednesday at 7:30 PM on ZOOM!

Let’s Laugh Today is free on ZOOM! 

There is nothing like a good belly laugh to help release stress and anxiety. These laughter exercises and gentle deep breathing help to bring more fresh oxygen into the body and brain helping you feel more energetic and healthy. It's a great way to connect with other people through eye contact while remaining socially distant and it is thoroughly up-lifting and immunity-boosting! 

See www.letslaughtoday.com for link to the free 45 minute ZOOM Meeting EVERY Wednesday at 7:30pm. 

All ages are welcome. You can sit or stand the entire time. It’s a good time to try something new and take care of your mental health! 

Led by local Certified Laughter Yoga Master Trainers and Laughter Ambassadors, Bill and Linda Hamaker. They are the HA Makers! They are the only Master Trainer couple on this continent! 

Let’s Laugh Today is FREE Every Wednesday at 7:30 PM on ZOOM!
Let’s Laugh Today is FREE Every Wednesday at 7:30 PM on ZOOM! 

CommonWealth Magazine: State revenue exceeds projection again; Committee on reimagining the post-COVID commonwealth begins work

 

"THE DEPARTMENT OF REVENUE collected more than $3 billion from Massachusetts residents, workers, and businesses last month, once again shattering the Baker administration’s expectations and putting the state’s coffers more than $1.5 billion ahead of where they were at the same time last year.

Revenue collections for March added up to a total of $3.061 billion — $402 million, or 15.1 percent, more than what was collected in March 2020 and $648 million or 26.8 percent more than what the Baker administration was expecting to collect last month.

Now nine months through fiscal year 2021, Massachusetts state government has collected $22.588 billion in taxes from people and businesses, which is $1.524 billion, or 7.2 percent, more than it did during the same nine mostly pre-pandemic months of fiscal year 2020. The last month Massachusetts saw a year-over-year decline in tax collections was September."

Continue reading the article online
 
"WHEN SEN. ADAM HINDS looks at the disproportionate toll COVID-19 has taken on poor people and communities of color in Massachusetts, he said, “It’s hard not to experience it as a massive policy failure.”

Hinds, a Pittsfield Democrat who now chairs a special Senate Committee on Reimagining Massachusetts Post-Pandemic Resiliency, said inequity will be a major focus of the committee as it has broad discussions on how to rebuild a stronger state in the wake of the COVID-19 emergency.

“It would be a dereliction of duty if we didn’t do everything in our power to correct the inequities that led to more death in certain communities,” Hinds said."
Continue reading the article online

RMV may resume inspections Wednesday, Apr 7

"Businesses that provide vehicle inspections in Massachusetts are “anxious” to resume offering the service, amid an ongoing problem with a Registry vendor that has shut down inspections for the past week in the Commonwealth and several other states, a trade group leader said Monday.

“Well, I think everybody is anxious to get it back online, so we’re all waiting,” said John Howell, co-executive director of the New England Service Station & Automotive Repair Association, in a phone interview.

He said service stations often see a spike in revenue toward the end of every month from drivers who need new inspection stickers. "

Continue reading the article online (subscription may be required)

According to  Twitter, operations should resume 4/7/21 ... given the nature of the issue (per the vendor), we'll wait and see.   https://twitter.com/MassRMV/status/1379026141411999750

RMV may resume inspections Tuesday, Apr 6
RMV may resume inspections Tuesday, Apr 6


Communities Responding to Extreme Weather (CREW): Community Meeting for Franklin Residents - Apr 7

Communities Responding to Extreme Weather (CREW)

Building Resilience Across the Watershed

The Charles River Watershed Association has created a flood monitoring tool that shows flooding scenarios and the impacts of potential green infrastructure solutions along the Charles. This will equip watershed communities with the best information on community-specific impacts of climate change, helping to guide local investment, regulatory changes and predict the best ways to respond to flooding. 

We want to hear from you!

Our second Zoom discussion will focus on the tool's relevance to the upper parts of the Watershed, including Holliston, Milford, Franklin, Ashland, Hopkinton, Sherborn, Wrentham, Foxborough, Millis, Medway, Bellingham, Norfolk, and Hopedale.  Please join us and give input about your own climate-related stressors, your opinions about changing infrastructure, and your hopes for building climate resilience in your community! Share this email with your fellow residents, this is a conversation for everyone!

Communities Responding to Extreme Weather (CREW): Community Meeting for Franklin Residents - Apr 7
Community Meeting for Franklin Residents - Apr 7


Communities Responding to Extreme Weather (CREW) or CREW, is a 501c3 non-profit devoted to building up grassroots resilience in communities by engaging networks of local leaders through education, service, and planning. CREW has teamed up with the Charles River Watershed Association to spread the word about an upcoming project on the Charles. We hope to engage watershed community members around this project so we can incorporate their voices into this project.


Thank you for reading, and we hope to see you there!

"Mask Innovation Challenge: Building Tomorrow’s Mask"

 

"The Department of Health and Human Services (HHS) has launched a competition to develop “the next generation of masks” with the winning submission receiving a $500,000 cash prize.

The competition — “Mask Innovation Challenge: Building Tomorrow’s Mask” — is a partnership between HHS’s Biomedical Advanced Research and Development Authority (BARDA) and the National Institute for Occupational Safety and Health (NIOSH).

In the announcement, HHS notes that many health authorities around the world are encouraging people to wear masks to mitigate the spread of infectious diseases, but masks often present some challenges such as: “contact dermatitis with prolonged wear, physical discomfort, fogging of eyeglasses, and difficulty communicating.”

Continue reading the article online
 
More info on the "Mask Innovation Challenge" can be found

"Mask Innovation Challenge: Building Tomorrow’s Mask"
"Mask Innovation Challenge: Building Tomorrow’s Mask"


Monday, April 5, 2021

Community Preservation Committee - Agenda - Apr 6, 2021 - 7:00 PM

Community Preservation Committee Meeting
Agenda & Meeting Packet
April 6, 2021 = 7:00 PM


Agenda:
1. Approval of Minutes
2. Approval of Committee Meeting Schedule
3. FY22 Budget Approval
4. Open Space Presentation & Discussion

Recommended Committee Homework & Reading:
1. Open Space & Recreation Plan (https://www.franklinma.gov/sites/g/files/vyhlif591/f/uploads/updated_osrp.pdf)

Agenda doc with connection info


Community Preservation Committee - Agenda - Apr 6, 2021 - 7:00 PM
Community Preservation Committee - Agenda - Apr 6, 2021 - 7:00 PM


Franklin TV: WFH (Mostly) - COVID life & work, day-by-day

by Pete Fasciano, Executive Director 04/04/2021

The COVID lifestyle is not anyone’s first choice, but for those among us with past WFH experience (working from home), our disciplines return – like muscle memory. (It’s like riding a bike.)  In that sense, I’m fortunate.

It’s oh-dark-thirty. No alarm, but I wake (sorta). In those first moments I accept each day for what it is – a gift. It is mine to make; mine to quietly savor. Mr. Coffee is my friend. I shuffle from kitchen to office. I shuffle through  my  email.  After  some thinking, writing and hitting [Send] several times. Then there is what needs doing – today, tomorrow, and in the days ahead. By now the Sun has decided to show up.

The week is peppered  with  Zoom  meetings  here and  there.  The day is  peppered with typical office humdrum – pay bills, more email [Reply]. There is documenting of the technical changes that  COVID has wrought across our facilities.   These  changes have spawned a rolling rebuild over the past year. There is more planning  and research for technical changes yet to come. I click–out some online orders for equipment and supplies. Boxes arrive through the week. With our studio closed, I’m ‘Shipping & Receiving’.

Now and then I deliver the boxes to the studio; restart whatever stopped working; fix whatever broke. I pick up the mail. A COVID-based routine.

Through the week there are small reminders. The mask and hand sanitizer hanging on the car door tell me why things are the way they are. For now. Just for now. That new normal is a–comin’. Just as I have embraced this day, so too, I shall rise enthusiastically to tomorrow, and eventually to that new normal – at oh-dark-thirty.

And – as always –

Thank you for listening to wfpr●fm. 

And, thank you for watching.

P.S. While you wait impatiently for that new normal – know the days between now and then for what they are – gifts. Enjoy opening each and every one.


Get this week's program guide for Franklin TV and Franklin Public Radio (wfpr.fm) online  http://franklin.tv/programguide.pdf  or for archive purposes  https://drive.google.com/file/d/1208kvZPyBHiJkuNpe6kCUllFV2Iavfhg/view?usp=sharing

The studio at 23 Hutchinson St, Franklin, MA
The studio at 23 Hutchinson St, Franklin, MA


2021 FHS XC - Track & Field Boosters Golf Tournament - Jun 4 - Sign up now!

Sign up now for the annual FHS T&F booster club Golf outing on June 4th! Check out the picture for more details and sign up with the link here = https://t.co/1VQpV7rxi4
Shared from Twitter: https://t.co/io87tC8M6B

2021 FHS XC - Track & Field Boosters Golf Tournament - Jun 4 - Sign up now!
2021 FHS XC - Track & Field Boosters Golf Tournament - Jun 4 - Sign up now!


Register O'Donnell Announces Filing of Residential Mortgage Assignment Bill

Norfolk County Register of Deeds William P. O’Donnell announced the filing of two bills designed to promote mortgage transparency here in Massachusetts.  For the upcoming legislative session Senator John Keenan (D-Quincy) filed legislation in the Massachusetts State Senate which was given Senate Docket # 493 while in the State House of Representatives, Representative William Galvin (D-Canton) filed legislation that was given House Docket # 991.

Register O’Donnell stated that both pieces of legislation would require that when banks transfer or assign their residential mortgages to a different lending institution then that assignment would be required to be recorded with the relevant Massachusetts Registry of Deeds office within 30 days of its execution.

Register O’Donnell stated “I want to express my appreciation to both Senator John Keenan and Representative Bill Galvin for filing this legislation.  If this legislation becomes law it would help homeowners find out if their mortgage has been assigned to another party in a very timely manner.  Also with this information available on-line it would be easier and more transparent for the homeowner to make sure they get this mortgage assignment information.”

The need for this legislation hit home recently when the Boston Globe published an article “Can You Help Get Me My $20,000.00 Back?” by Sean P. Murphy on December 8, 2020 which highlighted the difficulties that can result when an assignment is not recorded.  O’Donnell stated, “This article spoke about a couple who found a home in Worcester which needed work.  To finance the purchase and remolding costs, the couple wanted to sell their condo in Easton.  However, a title problem developed with the Easton condo due to a mortgage assignment not being properly recorded.  Because the assignment was not recorded at the Registry of Deeds, the lending institution who was the current holder of the mortgage lacked the legal authority to discharge the mortgage.  A process that should have taken a few days took several weeks as two large lending institutions could not get their act together and solve the title problem by filing the assignment.  After several weeks of back and forth the problem was resolved and the assignment was recorded, but only after the intervention of the Boston Globe.”

Senator John Keenan in commenting on the Residential Mortgage Assignment Bill stated “I am pleased to partner with Register O’Donnell again on this important consumer protection legislation that will help homeowners better understand who holds their mortgage, which will help protect their most important asset, their home.”  Representative Bill Galvin stated, “This bill is a tool that will allow homeowners to track residential mortgage assignments.  Filing the bill is the first step but getting other legislators to support this legislative initiative is so very important.”

Register O’Donnell indicated that local state representatives and state senators are signing on to sponsor both Senate Docket # 493 and House Docket # 991.  He urged citizens to reach out to their local state representatives and state senators and urge them to sign on as sponsors of this legislation.  A telephone number to the Massachusetts State House is 1-617-722-2000.  “Years ago former Speaker of the House Thomas “Tip” O’Neill said all politics is local.  Please contact your elected local state representatives and state senators and urge them to sign on as sponsors to Senate Docket # 493 and House Docket # 991, the Residential Mortgage Assignment Bill.”

To learn more about these and other Registry of Deeds events and initiatives, like us at facebook.com/NorfolkDeeds or follow us on twitter.com/NorfolkDeeds and Instagram.com/NorfolkDeeds.

The Norfolk County Registry of Deeds is located at 649 High Street in Dedham.  The Registry is a resource for homeowners, title examiners, mortgage lenders, municipalities and others with a need for secure, accurate, accessible land record information.  All land record research information can be found on the Registry’s website www.norfolkdeeds.org.  Residents in need of assistance can contact the Registry of Deeds Customer Service Center via telephone at (781) 461-6101, or email us at registerodonnell@norfolkdeeds.org.

 

Register O'Donnell Announces Filing of Residential Mortgage Assignment Bill
Register O'Donnell Announces Filing of Residential Mortgage Assignment Bill