In this task, you are given text for US Congressional and California state bills, your task is to generate a summary for this bill.

Q: SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Remote Monitoring Access Act of 
2005''.

SEC. 2. COVERAGE OF REMOTE PATIENT MANAGEMENT SERVICES FOR CHRONIC 
              HEALTH CARE CONDITIONS.

    (a) In General.--Section 1861(s)(2) of the Social Security Act (42 
U.S.C. 1395x(s)(2)) is amended--
            (1) in subparagraph (Y), by striking ``and'' at the end;
            (2) in subparagraph (Z), by inserting ``and'' at the end; 
        and
            (3) by inserting after subparagraph (Z) the following new 
        subparagraph:
                    ``(AA) remote patient management services (as 
                defined in subsection (bbb));''.
    (b) Services Described.--Section 1861 of the Social Security Act 
(42 U.S.C. 1395x) is amended by adding at the end the following new 
subsection:

                  ``Remote Patient Management Services

    ``(bbb)(1) The term `remote patient management services' means the 
remote monitoring and management of an individual with a covered 
chronic health condition (as defined in paragraph (2)) through the 
utilization of a system of technology that allows a remote interface to 
collect and transmit clinical data between the individual and the 
responsible physician or supplier for the purposes of clinical review 
or response by the physician or supplier.
    ``(2) For purposes of paragraph (1), the term `covered chronic 
health condition' includes--
            ``(A) heart failure;
            ``(B) diabetes;
            ``(C) cardiac arrhythmia; and
            ``(D) any other chronic condition determined by the 
        Secretary to be appropriate for treatment through remote 
        patient management services.
    ``(3)(A) The Secretary, in consultation with appropriate physician 
groups, may develop guidelines on the frequency of billing for remote 
patient management services. Such guidelines shall be determined based 
on medical necessity and shall be sufficient to ensure appropriate and 
timely monitoring of individuals being furnished such services.
    ``(B) The Secretary, acting through the Agency for Health Care 
Research and Quality, shall do the following:
            ``(i) Not later than 1 year after the date of enactment of 
        the Remote Monitoring Access Act of 2005, develop, in 
        consultation with appropriate physician groups, a standard of 
        care and quality standards for remote patient management 
        services for the covered chronic health conditions specified in 
        subparagraphs (A), (B), and (C) of paragraph (2).
            ``(ii) If the Secretary makes a determination under 
        paragraph (2)(D) with respect to a chronic condition, develop, 
        in consultation with appropriate physician groups, a standard 
        of care and quality standards for remote patient management 
        services for such condition within 1 year of such 
        determination.
            ``(iii) Periodically review and update such standards of 
        care and quality standards under this subparagraph as 
        necessary.''.
    (c) Payment Under the Physician Fee Schedule.--Section 1848 of the 
Social Security Act (42 U.S.C. 1395w-4) is amended--
            (1) in subsection (c)(2)--
                    (A) in subparagraph (B)--
                            (i) in clause (ii)(II), by striking 
                        ``clause (iv)'' and inserting ``clauses (iv) 
                        and (v)''; and
                            (ii) by adding at the end the following new 
                        clause:
                            ``(v) Budgetary treatment of certain 
                        services.--The additional expenditures 
                        attributable to services described in section 
                        1861(s)(2)(AA) shall not be taken into account 
                        in applying clause (ii)(II) for 2006.''; and
                    (B) by adding at the end the following new 
                paragraph:
            ``(7) Treatment of remote patient management services.--In 
        determining relative value units for remote patient management 
        services (as defined in section 1861(bbb)), the Secretary, in 
        consultation with appropriate physician groups, shall take into 
        consideration--
                    ``(A) costs associated with such services, 
                including physician time involved, installation and 
                information transmittal costs, costs of remote patient 
                management technology (including devices and software), 
                and resource costs necessary for patient monitoring and 
                follow-up (but not including costs of any related item 
                or non-physician service otherwise reimbursed under 
                this title); and
                    ``(B) the level of intensity of services provided, 
                based on--
                            ``(i) the frequency of evaluation necessary 
                        to manage the individual being furnished the 
                        services;
                            ``(ii) the amount of time necessary for, 
                        and the complexity of, the evaluation, 
                        including the information that must be 
                        obtained, reviewed, and analyzed; and
                            ``(iii) the number of possible diagnoses 
                        and the number of management options that must 
                        be considered.''; and
            (2) in subsection (j)(3), by inserting ``(2)(AA),'' after 
        ``(2)(W),''.
    (d) Incentive Payments.--Section 1833 of the Social Security Act 
(42 U.S.C. 1395l) is amended by adding at the end the following new 
subsection:
    ``(v) Incentive for Meeting Certain Standards of Care and Quality 
Standards in the Furnishing of Remote Patient Management Services.--In 
the case of remote patient management services (as defined in section 
1861(bbb)) that are furnished by a physician who the Secretary 
determines meets or exceeds the standards of care and quality standards 
developed by the Secretary under paragraph (3)(B) of such section for 
such services, in addition to the amount of payment that would 
otherwise be made for such services under this part, there shall also 
be paid to the physician (or to an employer or facility in cases 
described in clause (A) of section 1842(b)(6)) (on a monthly or 
quarterly basis) from the Federal Supplementary Medical Insurance Trust 
Fund an amount equal to 10 percent of the payment amount for the 
service under this part.''.
    (e) Effective Date.--The amendments made by this section shall 
apply to services furnished on or after January 1, 2006.

A: Remote Monitoring Access Act of 2005 - Amends title XVIII (Medicare) of the Social Security Act to provide for coverage of remote patient management services for chronic health care conditions.
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Q: SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Affordable Mortgage for Homeowners 
Act of 2011''.

SEC. 2. PRINCIPAL REDUCTION OF MORTGAGES OWNED OR GUARANTEED BY FANNIE 
              MAE AND FREDDIE MAC.

    (a) Program Authority.--The Federal National Mortgage Association 
and the Federal Home Loan Mortgage Corporation shall each carry out a 
program under this section to provide for the reduction of the interest 
rates on qualified mortgages on single-family housing owned or 
guaranteed by such enterprises, in accordance with this section and 
policies and procedures that the Director of the Federal Housing 
Finance Agency shall establish.
    (b) Timing.--Each enterprise shall commence the program required 
under subsection (a) upon the expiration of the 90-day period beginning 
upon the date of the enactment of this Act and shall complete all 
reductions of the interest rates of qualified mortgages required under 
the program not later than the expiration of the 12-month period 
beginning upon the commencement of such program.
    (c) Interest Rate Reduction.--In reducing the interest rate on a 
qualified mortgage under a program of an enterprise required under this 
section, the enterprise shall reduce the annual rate of interest 
charged with respect to the outstanding principal obligation of the 
mortgage for the remainder of the term of the mortgage, notwithstanding 
whether the interest rate under the mortgage is otherwise subject to 
adjustment during such mortgage term, to a fixed interest rate that is 
the lesser of--
            (1) 4 percent annually; or
            (2) the rate for a 30-year fixed rate mortgage, as most 
        recently published in the Weekly Primary Mortgage Market Survey 
        of the Federal Home Loan Mortgage Corporation, as of the time 
        of such interest rate reduction for such qualified mortgage.
    (d) Exempt Mortgages.--The Director shall provide that the 
following qualified mortgages shall not be subject to reduction of the 
interest rate under a program under this section:
            (1) Fixed-rate mortgages.--In the case of a qualified 
        mortgage having a rate of interest that is fixed for the entire 
        term of the mortgage, any mortgage having such an interest rate 
        that is a lower than the interest rate determined for the 
        mortgage under subsection (c).
            (2) Adjustable-rate mortgages.--In the case of a mortgage 
        having a rate of interest that is subject to adjustment during 
        the term of the mortgage, any mortgage for which the interest 
        rate cannot, as a result of the terms of the terms and 
        conditions of the mortgage, exceed the interest rate determined 
        for the mortgage under subsection (c) at any time during the 
        term of the mortgage.
    (e) Option to Opt-Out.--Each program of an enterprise required 
under this section shall provide for the enterprise to--
            (1) notify the mortgagor under a qualified mortgage in 
        writing, before the proposed reduction of the interest rate on 
        qualified mortgage of the mortgagor, of--
                    (A) such proposed reduction and the interest rate 
                applicable to the mortgage upon such reduction; and
                    (B) the opportunity, in accordance with paragraph 
                (2), for the mortgagor to request that no such interest 
                rate reduction be applied with respect to such 
                mortgage; and
            (2) forego such interest rate reduction with respect to the 
        qualified mortgage of a mortgagor upon receipt by the 
        enterprise of a request by the mortgagor that no such interest 
        rate reduction be applied with respect to such mortgage.
    (f) Maintenance of Loan Status.--Any reduction of the interest rate 
on a qualified mortgage under a program under this section shall not 
result in the treatment of the modified mortgage as a new mortgage.
    (g) Definitions.--For purposes of this section, the following 
definitions shall apply:
            (1) Director.--The term ``Director'' means the Director of 
        the Federal Housing Finance Agency.
            (2) Enterprise.--The term ``enterprise'' means the Federal 
        National Mortgage Association and the Federal Home Loan 
        Mortgage Corporation.
            (3) Qualified mortgage.--The term ``qualified mortgage'' 
        means a mortgage, without regard to whether the mortgagor is 
        current or in default on payments due under the mortgage, 
        that--
                    (A) is an existing first mortgage that was made for 
                purchase of, or refinancing another first mortgage on, 
                a one- to four-family dwelling, including a condominium 
                or a share in a cooperative ownership housing 
                association, that is occupied by the mortgagor as the 
                principal residence of the mortgagor;
                    (B) is owned or guaranteed by the Federal National 
                Mortgage Association or the Federal Home Loan Mortgage 
                Corporation; and
                    (C) was originated on or before the date of the 
                enactment of this Act.
    (h) Regulations.--The Director shall issue any regulations or 
guidance necessary to carry out the programs required under this 
section not later than the expiration of the 90-day period that begins 
on the date of the enactment of this Act.

A: Affordable Mortgage for Homeowners Act of 2011 - Directs the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac) each to carry out a program to provide for the reduction of the interest rates on qualified mortgage mortgages (other than fixed-rate or adjustable-rate mortgages) on single-family housing owned or guaranteed by such enterprises, in accordance with policies and procedures that the Director of the Federal Housing Finance Agency (FHFA) shall establish.

Requires each program to provide a procedure for mortgagors to opt-out of an interest rate reduction.
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Q: SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Helping Our Students Communicate Act 
of 2007''.

SEC. 2. EXPANSION OF LOAN FORGIVENESS TO SPEECH-LANGUAGE PATHOLOGISTS.

    (a) FFEL Loans.--
            (1) Forgiveness for speech-language pathologists 
        authorized.--Section 428J(b)(1) of the Higher Education Act of 
        1965 (20 U.S.C. 1078-10(b)(1)) is amended to read as follows:
            ``(1) has been employed for 5 consecutive complete school 
        years--
                    ``(A) as a full-time teacher--
                            ``(i) in a school that qualifies under 
                        section 465(a)(2)(A) for loan cancellation for 
                        Perkins loan recipients who teach in such 
                        schools; and
                            ``(ii) if employed as an elementary school 
                        or secondary school teacher, who is highly 
                        qualified as defined in section 9101 of the 
                        Elementary Secondary Education Act of 1965, or 
                        meets the requirements of subsection (g)(3); or
                    ``(B) as a full-time speech-language pathologist--
                            ``(i) to perform services principally in a 
                        school described in subparagraph (A)(i); and
                            ``(ii) who has, at a minimum, a graduate 
                        degree in speech-language pathology, or 
                        communication sciences and disorders; and''.
            (2) Additional amounts for speech-language pathologists.--
        Section 428J(c)(3) of such Act (20 U.S.C. 1078-10(c)(3)) is 
        amended--
                    (A) in the header, by inserting before the period 
                ``, and speech-language pathologists'';
                    (B) by striking ``and'' at the end of subparagraph 
                (A);
                    (C) by striking the period at the end of 
                subparagraph (B) and inserting ``; and''; and
                    (D) by adding at the end the following new 
                subparagraph:
                    ``(C) a speech-language pathologist who meets the 
                requirements of subsection (b).''.
    (b) Direct Loans.--
            (1) Forgiveness for speech-language pathologists 
        authorized.--Section 460(b)(1)(A) of the Higher Education Act 
        of 1965 (20 U.S.C. 1087j(b)(1)(A)) is amended to read as 
        follows:
                    ``(A) has been employed for 5 consecutive complete 
                school years--
                            ``(i) as a full-time teacher--
                                    ``(I) in a school that qualifies 
                                under section 465(a)(2)(A) for loan 
                                cancellation for Perkins loan 
                                recipients who teach in such schools; 
                                and
                                    ``(II) if employed as an elementary 
                                school or secondary school teacher, who 
                                is highly qualified as defined in 
                                section 9101 of the Elementary 
                                Secondary Education Act of 1965, or 
                                meets the requirements of subsection 
                                (g)(3); or
                            ``(ii) as a full-time speech-language 
                        pathologist--
                                    ``(I) to perform services 
                                principally in a school described in 
                                clause (i)(I); and
                                    ``(II) who has, at a minimum, a 
                                graduate degree in speech-language 
                                pathology, or communication sciences 
                                and disorders; and''.
            (2) Additional amounts for speech-language pathologists.--
        Section 460(c)(3) of such Act (20 U.S.C. 1087j(c)(3)) is 
        amended--
                    (A) in the header, by inserting before the period 
                ``, and speech-language pathologists'';
                    (B) by striking ``and'' at the end of subparagraph 
                (A);
                    (C) by striking the period at the end of 
                subparagraph (B) and inserting ``; and''; and
                    (D) by adding at the end the following new 
                subparagraph:
                    ``(C) a speech-language pathologist who meets the 
                requirements of subsection (b).''.
    (c) New Borrower Eligibility.--An individual who is a speech-
language pathologist shall not qualify under the amendments made by 
this section unless such individual is a new borrower (as such term is 
defined in section 103 of the Higher Education Act of 1965 (20 U.S.C. 
1003)) on or after October 1, 2007.

A:
Helping Our Students Communicate Act of 2007 - Amends the Higher Education Act of 1965 to require the Secretary of Education to assume or cancel loans made under the Federal Family Education Loan or the Direct Loan programs to individuals who have been employed for five consecutive complete school years as full-time speech-language pathologists: (1) principally at elementary and secondary schools whose enrollment of disadvantaged students exceeds 30% and whose local educational agencies are eligible for funding under title I of the Elementary and Secondary Education Act of 1965; and (2) have at least a graduate degree in speech-language pathology, or communication sciences and disorders.

Caps loan forgiveness at $17,500.

Limits the benefits of this Act to new borrowers on or after October 1, 2007.
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