The Housing Bill will fundamentally alter the context in which housing associations decide their spending policies. The prospects ahead are considered: 20-24(3). The Audit Commission estimates that £355 per house a year should be spent on council house maintenance until the end of the century. The impact on housing associations is discussed: 24-26(2). A report on the progress of the NFHA`s Maintenance Sub-Committee whose task is to look at all the problems associations are now facing in their efforts to keep houses in good repair: 28(1). One of the effects of the Bill, when it becomes law, will be severe problems in financing the present outstanding workload of repair and maintenance, estimated on local authority stock alone to be over £19bn: 30-31(2). In preparation for the new development regime in which the risk will be transferred to associations, the NFHA has been looking at how the insurance industry can help: 34(1).