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Program 3648 is BGS3's nationwide campaign to certify qualified real estate professionals to assist homeowners facing a potential foreclosure. Program 3648 was announced on January 29, 2008 by Chief Administer John W. Davis, stating, "President Bush has provided a much needed solution to the national foreclosure problem in signing H.R. 3648 -- The Mortgage Forgiveness Debt Relief Act of 2007, but the sub-prime mortgage problem continues to affect most markets nationwide."
from: http://ezinearticles.com/?BGS3-and-Program-3648&id=1446442
