instruction:
In this task, you are given text for US Congressional and California state bills, your task is to generate a summary for this bill.
question:
SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Rural Access to Credit Act of 
2010''.

SEC. 2. BUSINESS AND INDUSTRY DIRECT AND GUARANTEED LOANS.

    (a) Tangible Equity Requirements.--Section 310B(d) of the 
Consolidated Farm and Rural Development Act (7 U.S.C. 1932(d)) is 
amended by striking paragraph (6) and inserting the following:
            ``(6) Equity.--In the case of direct or guaranteed loans 
        under this section, the Secretary shall use commercial lending 
        standards in determining any equity requirement.''.
    (b) General Terms.--Section 310B(g) of the Consolidated Farm and 
Rural Development Act (7 U.S.C. 1932(g)) is amended by adding at the 
end the following:
            ``(10) General terms.--
                    ``(A) Maximum loan guarantee amount.--
                            ``(i) In general.--Notwithstanding any 
                        other provision of this Act, during the period 
                        beginning on the date of enactment of this 
                        paragraph and ending on December 31, 2011, the 
                        Secretary shall guarantee up to 90 percent of a 
                        business and industry loan in an amount of up 
                        to $10,000,000 that is a high priority project, 
                        as determined based on published criteria of 
                        the Secretary that includes rural economic 
                        factors.
                            ``(ii) Subsequent fiscal years.--
                        Notwithstanding any other provision of this 
                        Act, beginning on January 1, 2012, the 
                        Secretary may guarantee up to 80 or 90 percent 
                        (as determined by the Secretary) of a business 
                        and industry loan in an amount of up to 
                        $10,000,000 that is a high priority project, as 
                        determined based on criteria described in 
                        clause (i).
                    ``(B) Line-of-credit loans.--In guaranteeing 
                business and industry loans, the Secretary shall 
                guarantee line-of-credit loans in accordance with 
                section 316(c).
                    ``(C) Refinancing.--
                            ``(i) In general.--A business and industry 
                        loan may be used by a small business to 
                        refinance debt in existence as of the day 
                        before the date on which the loan was made or 
                        guaranteed, if--
                                    ``(I) the project for which the 
                                debt was incurred is viable and will 
                                create or save jobs, as determined by 
                                the Secretary; and
                                    ``(II) as of the date of 
                                application for refinancing--
                                            ``(aa) the underlying loan 
                                        has been current for at least 1 
                                        year; and
                                            ``(bb) the lender is 
                                        providing better rates and 
                                        longer terms than under the 
                                        original loan.
                            ``(ii) Subordinated owner debt.--
                        Subordinated owner debt shall not be eligible 
                        for inclusion in debt described in clause (i).
                    ``(D) Audit standards.--Notwithstanding any other 
                provision of law, the Secretary--
                            ``(i) shall not require audited financial 
                        statements consistent with generally accepted 
                        accounting principles for business and industry 
                        loans of less than $1,000,000; and
                            ``(ii) may waive any requirement for 
                        audited financial statements consistent with 
                        generally accepted accounting principles for 
                        business and industry loans of at least 
                        $1,000,000.
                    ``(E) Calculation of delinquency rates.--To allow 
                accurate comparison of delinquency rates among Federal 
                agencies, in calculating the delinquency rate for 
                business and industry loans, the Secretary shall use 
                the calculation method used by the Administrator of the 
                Small Business Administration.''.
    (c) Sense of Congress Relating to the Rural Microentrepreneur 
Assistance Program.--It is the sense of Congress that in allocating 
discretionary funds of the Secretary of Agriculture, the Secretary of 
Agriculture should give priority to the rural microentrepreneur 
assistance program established under section 379E of the Consolidated 
Farm and Rural Development Act (7 U.S.C. 2008s).
    (d) Budgetary Effects.--The budgetary effects of this Act, for the 
purpose of complying with the Statutory Pay-As-You-Go-Act of 2010, 
shall be determined by reference to the latest statement titled 
``Budgetary Effects of PAYGO Legislation'' for this Act, submitted for 
printing in the Congressional Record by the Chairman of the Senate 
Budget Committee, provided that such statement has been submitted prior 
to the vote on passage.
answer:
Rural Access to Credit Act of 2010 - Amends the Consolidated Farm and Rural Development Act to direct the Secretary of Agriculture (USDA) to use commercial lending standards in determining equity requirements for rural entity direct or guaranteed loans.

Directs the Secretary, through December 31, 2011, to guarantee up to 90% of high priority business and industry loans up to $10 million. Authorizes the Secretary, beginning on January 1, 2012, to guarantee up to 80% or 90% of high priority business and industry loans up to $10 million. Directs the Secretary to guarantee related line-of-credit loans.

Authorizes business and industry loans to be used for refinancing.

Waives audit requirements for business and industry loans under $1 million. Authorizes audit waiver for loans of at least $1 million.

Directs the Secretary to use the Small Business Administration (SBA) calculation method in calculating the delinquency rate for business and industry loans.

Expresses the sense of Congress that in allocating discretionary funds the Secretary should give priority to the rural microentrepreneur assistance program.


question:
SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Keeping Families Home Act of 2014''.

SEC. 2. DEED-FOR-LEASE PROGRAM.

    (a) Establishment.--
            (1) In general.--Each servicer shall establish a deed-for-
        lease program (hereinafter referred to as the ``Program''), 
        which shall permit an eligible mortgagor to--
                    (A) enter into a deed in lieu of foreclosure 
                agreement;
                    (B) continue to occupy and lease the property that 
                is the subject of such agreement for a 1-year period 
                that begins on the date of such agreement; and
                    (C) have a right of first refusal to purchase such 
                property after the end of the 1-year lease period, if 
                the owner of the property intends to sell the property 
                at that time.
            (2) Exception for small servicers.--The Program requirement 
        under paragraph (1) shall not apply to a small servicer, as 
        such term is defined by the Secretary of Housing and Urban 
        Development.
    (b) Notice Requirement.--Servicers shall provide each eligible 
mortgagor with information about the Program and how to apply to 
participate in the Program.
    (c) Lease Terms.--A lease entered into by an eligible mortgagor 
under the Program shall--
            (1) carry a monthly rent amount equal to the fair market 
        rent for such property, as determined by an independent private 
        appraiser hired by and paid by the servicer; and
            (2) contain all typical lease provisions for similar rental 
        property.
    (d) Application Process.--
            (1) In general.--An eligible mortgagor may apply for the 
        Program at any time.
            (2) Effect of foreclosure sale.--If there is a foreclosure 
        sale pending with respect to the property--
                    (A) the eligible mortgagor may only apply for the 
                Program before the date that is 7 days before the date 
                of such foreclosure sale; and
                    (B) once the eligible mortgagor applies for the 
                Program, the foreclosure sale shall be halted until 
                after the eligible mortgagor's Program application has 
                been evaluated.
            (3) Contents of application.--
                    (A) In general.--In applying for the Program, an 
                eligible mortgagor shall provide the servicer with 
                proof of the following information:
                            (i) The eligible mortgagor is subject to a 
                        financial hardship that makes the eligible 
                        mortgagor unable to continue making timely 
                        payments on the eligible mortgage loan.
                            (ii) The eligible mortgagor is eligible to 
                        pay the monthly rent amount described under 
                        subsection (c)(1) and such amount is no more 
                        than 31 percent of the eligible mortgagor's 
                        monthly income.
                            (iii) The eligible mortgagor currently 
                        lives in the property and intends to continue 
                        doing so during the 1-year lease term.
                    (B) Ability to pay higher percentage of income in 
                rent.--Notwithstanding subparagraph (A)(ii), if an 
                eligible mortgagor believes they are able pay the 
                monthly rent amount despite such amount exceeding 31 
                percent of the eligible mortgagor's monthly income, the 
                eligible mortgagor may request that the Department of 
                Housing and Urban Development review their information, 
                along with any contributing factors the eligible 
                mortgagor may have (such as a low debt burden) and, if 
                the Department notifies the eligible mortgagor that the 
                Department agrees that the eligible mortgagor is able 
                to pay a monthly rent amount that is equal to a 
                percentage of their monthly income that is higher than 
                31 percent, such higher percentage shall be used for 
                purposes of subparagraph (A)(ii).
            (4) Effect of junior liens.--If an eligible mortgagor 
        applies for a Program with respect to a single family property 
        subject to a junior lien--
                    (A) if the servicer of the Program is also the 
                holder of the junior lien, the servicer shall release 
                the junior lien and, subject to the other requirements 
                of this section, the eligible mortgagor shall be 
                eligible to participate in the Program; and
                    (B) if the servicer of the Program is not the 
                holder of the junior lien, the servicer shall contact 
                such junior lien holder and request that the holder 
                release the lien, and--
                            (i) if the holder releases the lien, then, 
                        subject to the other requirements of this 
                        section, the eligible mortgagor shall be 
                        eligible to participate in the Program; and
                            (ii) if the holder does not release the 
                        lien, then the eligible mortgagor shall not be 
                        eligible to participate in the Program.
    (e) Evaluation and Notification.--
            (1) Deadline for evaluation.--The servicer shall evaluate 
        the eligible mortgagor's application within 30 days of 
        receiving such application and shall accept an eligible 
        mortgagor into the Program if the eligible mortgagor has 
        provided the proof described under subsection (d)(3)(A).
            (2) Notification.--Promptly after making a determination 
        under paragraph (1), the servicer shall notify the eligible 
        mortgagor of such determination in writing and, if the servicer 
        determines that the eligible mortgagor may not be accepted into 
        the Program, the servicer shall specifically explain in writing 
        why the eligible mortgage was not accepted.
    (f) Subsequent Owners Follow Program Requirements.--Any subsequent 
owner of the property being leased pursuant to the Program shall--
            (1) maintain the Program and abide by the terms of the 
        Program to the same extent as the servicer of the eligible 
        mortgage; and
            (2) certify to the Department of Housing and Urban 
        Development, before finalizing any purchase of the property, 
        that they will abide by the terms of the Program.
    (g) Rulemaking; Compliance Evaluation.--The Department of Housing 
and Urban Development shall--
            (1) issue such regulations as may be necessary to carry out 
        this section;
            (2) evaluate the compliance by servicers and owners with 
        the requirements of this section; and
            (3) enforce the requirements of this section.
    (h) Definitions.--For purposes of this section:
            (1) Eligible mortgagor.--The term ``eligible mortgagor'' 
        means a mortgagor under an eligible mortgage.
            (2) Eligible mortgage.--The term ``eligible mortgage'' 
        means a first or subordinate mortgage on a property that--
                    (A) is a single family property; and
                    (B) is currently being used as the principal 
                residence of the eligible mortgagor.
            (3) Single family property.--The term ``single family 
        property'' means--
                    (A) a structure consisting of 1 to 4 dwelling 
                units;
                    (B) a dwelling unit in a multi-unit condominium 
                property together with an undivided interest in the 
                common areas and facilities serving the property;
                    (C) a dwelling unit in a multi-unit project for 
                which purchase of stock or a membership interest 
                entitles the purchaser to permanent occupancy of that 
                unit; or
                    (D) a manufactured housing unit.
answer:
Keeping Families Home Act of 2014 - Directs each mortgage servicer to establish a deed-for-lease program which shall permit an eligible mortgagor to:  enter into a deed in lieu of foreclosure agreement; continue to occupy and lease the property that is the subject of the agreement for one year; and have a right of first refusal to purchase such property after the end of the one-year lease period, if the owner intends to sell the property at that time.  Exempts small servicers from such requirement. Requires a lease to carry a monthly rent amount equal to the fair market rent for the property, as determined by an independent private appraiser hired by and paid by the servicer.


question:
SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Carrizo Plain National Conservation 
Area Act of 2000''.

SEC. 2. FINDINGS.

    The Congress finds the following:
            (1) The public lands administered by the Bureau of Land 
        Management in the State of California within the Carrizo Plain 
        contain the last remnants of the once vast San Joaquin Valley 
        grasslands that covered a large expanse of central California.
            (2) As a remnant ecosystem, these lands provide the best 
        remaining contiguous habitat for a number of State or federally 
        listed endangered species or threatened species, including the 
        San Joaquin kit fox, the blunt-nosed leopard lizard, the giant 
        kangaroo rat, and the San Joaquin antelope squirrel, and 
        numerous other federally or State listed or sensitive plant and 
        animal species. Many other important species of native wildlife 
        inhabit the area, such as pronghorn antelope and tule elk.
            (3) In addition to its biological diversity, Carrizo Plain 
        contains nationally significant cultural and historical sites 
        which are very important to indigenous peoples in the area for 
        religious and traditional cultural purposes.
            (4) The Carrizo Plain area also contains one of the best 
        and most visible exposures of the geologically unique San 
        Andreas fault, which is the boundary between the Pacific Plate 
        (on the west) which moves northward relative to the North 
        American Plate (on the east) and has and will continue to play 
        a critical role in the evolution and future of California.
            (5) The Carrizo Plain offers unique research, interpretive, 
        and educational opportunities, and significant recreation 
        opportunities for the public.
            (6) Since 1985, the Carrizo Plain has been cooperatively 
        managed by the Bureau of Land Management, the California 
        Department of Fish and Game, and The Nature Conservancy, each 
        of which owns a part of the Carrizo Plain and all of which work 
        closely together in a manner that makes jurisdictional 
        differences among them nearly transparent.
            (7) A cooperative management plan has been prepared for the 
        Carrizo Plain by the Bureau of Land Management, the California 
        Department of Fish and Game, and The Nature Conservancy, with 
        full public involvement, that sets the stage for long-term 
        joint management of the area for public use and enjoyment.
            (8) This management plan is based on the agencies' joint 
        primary mission as set forth in the plan to ``manage the 
        Carrizo Plain . . .  so indigenous species interact within a 
        dynamic and fully functioning ecosystem in perpetuity while 
        conserving unique natural and cultural resources and 
        maintaining opportunities for compatible scientific, cultural, 
        social, and recreational activities''. In this context, and 
        under the basic principles of multiple use and sustained yield, 
        other resource uses, such as livestock grazing and recreation 
        use, are allowed under the management plan in the conservation 
        area if they are managed in a manner compatible with that 
        primary mission.

SEC. 3. ESTABLISHMENT OF THE NATIONAL CONSERVATION AREA.

    (a) Establishment and Purposes.--To preserve the nationally 
significant biological, geological, cultural, and recreation values 
found in the Carrizo Plain, California, as an enduring legacy of our 
heritage, and to secure for future generations the opportunity to 
experience those values in an environment rich in biological diversity 
and natural beauty, the area described in subsection (b) is hereby 
designated as the Carrizo Plain National Conservation Area.
    (b) Area Described.--
            (1) Boundary map.--The area referred to in subsection (a) 
        consists of approximately 250,000 acres of lands and waters, 
        and interests therein, as generally depicted on the map 
        entitled ``Boundary Map, Carrizo Plain National Conservation 
        Area'', dated February 1999.
            (2) Legal description.--As soon as practicable after the 
        date of the enactment of this Act, the Secretary shall file a 
        legal description of the conservation area with the Committee 
        on Resources of the House of Representatives and with the 
        Committee on Energy and Natural Resources of the Senate. Such 
        legal description shall have the same force and effect as if 
        included in this Act, subject to paragraph (3).
            (3) Revisions and corrections.--The Secretary may--
                    (A) make minor revisions in the boundary of the 
                conservation area; and
                    (B) correct clerical and typographical errors in 
                the map and legal description referred to in paragraphs 
                (1) and (2), respectively.
            (4) Public availability.--The Secretary shall keep the map 
        and legal description referred to in paragraphs (1) and (2), 
        respectively, on file and available for public inspection in 
the offices of the Director in the District of Columbia and in 
Sacramento and Bakersfield, California.

SEC. 4. MANAGEMENT OF THE CONSERVATION AREA.

    (a) In General.--The Secretary, acting through the Director, shall 
manage the public lands within the conservation area in a manner that 
conserves, protects, and enhances its resources and values in 
accordance with this Act, and pursuant to the Federal Land Policy and 
Management Act of 1976 (43 U.S.C. 1701 et seq.), and in accordance with 
all applicable laws and the management plan.
    (b) Uses.--The Secretary shall allow only such uses of the 
conservation area as the Secretary finds will further the purposes for 
which the conservation area is designated.
    (c) Vehicular Use.--Use of motorized vehicles or mechanized 
transport in the conservation area is prohibited, except--
            (1) where needed for administrative purposes or to respond 
        to an emergency; or
            (2) on roads and trails that--
                    (A) existed as of May 11, 1999; and
                    (B) are specifically designated for such use as 
                part of the management plan revised pursuant to 
                subsection (g).
    (d) Hunting and Fishing.--Hunting and fishing shall be permitted 
within the conservation area in accordance with applicable laws and 
regulations of the United States and the State of California; except 
that the Secretary, after consultation with the California Department 
of Fish and Game, may issue regulations designating zones where and 
establishing periods when no hunting or fishing shall be permitted for 
reasons of public safety, administration, or public use and enjoyment.
    (e) Grazing.--Livestock grazing within the conservation area shall 
be conducted in a manner that is compatible with the purposes for which 
the conservation area is established. The management plan revised 
pursuant to subsection (g) shall specify resource objectives to be met 
through grazing within the conservation area.
    (f) Interpretive Sites.--The Secretary may establish, in 
cooperation with other public or private entities as the Secretary may 
consider appropriate, interpretive sites that are minimal in scope to 
meet administrative and visitor needs of the conservation area. Any 
facilities for such sites shall be designed to protect cultural, 
historic, biologic, scientific, and esthetic values of the conservation 
area.
    (g) Review and Revision of Management Plan.--The Secretary of the 
Interior, in cooperation with the Director, the California Department 
of Fish and Game, affected landowners, and The Nature Conservancy--
            (1) shall, by not later than 1 year after the date of the 
        enactment of this Act, review the management plan referred to 
        in section 9(4) and make such revisions in that plan as are 
        necessary to ensure that it is consistent with the this Act and 
        with the conservation, enhancement, and protection of the 
        conservation area; and
            (2) may from time to time thereafter make such revisions as 
        are necessary to ensure that consistency.
    (h) Gifts.--The Secretary may accept, receive, hold, administer, 
and use any gift, devise, or bequest, absolutely or in trust, of real 
or personal property, including any income from or interest in property 
or any funds, for management of the conservation area for the purposes 
for which the conservation area is established under section 3(a).
    (i) Funding Account.--
            (1) In general.--To fund management activities for the 
        conservation area, there is established in the Treasury a 
        separate account to be known as the Carizzo Plain National 
        Conservation Area Management Fund.
            (2) Contents.--The account shall consist of--
                    (A) amounts received as fees for activities in the 
                conservation area;
                    (B) amounts received by the United States as a 
                gift, devise, or bequest authorized by subsection (h); 
                and
                    (C) amounts appropriated to the account.
            (3) Use.--Amounts in the account shall be available to the 
        Secretary for management of the conservation area pursuant to 
        the purposes for which the conservation is established under 
        section 3(a).
    (j) Advisory Council.--
            (1) Establishment.--The Secretary shall establish a Carrizo 
        Plain National Conservation Area Advisory Council to advise the 
        Secretary with respect to preparation and implementation of the 
        management plan pursuant to subsection (g). The Advisory 
        Council shall conform to the requirements of the Federal 
        Advisory Committee Act (88 Stat. 770; 5 U.S.C. App.) and the 
        Federal Land Policy and Management Act of 1976 (43 U.S.C. 1701 
        et seq.).
            (2) Representation.--The Advisory Council shall consist of 
        15 members to be appointed by the Secretary. The members shall 
        be persons with local and regional involvement as well as 
        recognized backgrounds in areas directly related to the 
        purposes for which the conservation area is designated.

SEC. 5. LAND ACQUISITION.

    (a) Land Acquisition.--The Secretary may acquire lands and 
interests therein within the conservation area by donation, by 
exchange, or by purchase with the consent of the owner thereof.
    (b) Management.--Lands or interests therein within the conservation 
area so acquired by the United States shall, after the date of the 
enactment of this Act, be incorporated into and managed as part of the 
conservation area.

SEC. 6. WITHDRAWAL; MINERAL DEVELOPMENT.

    (a) Withdrawal.--Subject to valid existing rights, all Federal 
lands within the conservation area, including all lands or interests 
acquired by the United States after the date of enactment of this Act, 
are hereby withdrawn from all forms of entry, appropriation, or 
disposal under the public land laws and from location, entry, and 
patent under the mining laws of the United States.
    (b) Mineral Development.--
            (1) In general.--Except as provided in paragraph (2), 
        mineral development may occur in the conservation area pursuant 
        to the Act of February 25, 1920 (30 U.S.C. 181 et seq.; 
        popularly known as the Mineral Leasing Act), and laws 
        supplementary thereto, or the Act of July 31, 1947 (30 U.S.C. 
        601 et seq.; popularly known as the Materials Act of 1947), and 
        laws supplementary thereto, only to the extent that development 
        is consistent with the management plan.
            (2) State and private lands and interests not affected.--
        This subsection shall not affect any State or privately owned 
        lands or interests in lands.

SEC. 7. COOPERATIVE AGREEMENTS.

    The Secretary may, consistent with the management plan, enter into 
any cooperative agreements or shared management arrangements with any 
person for the purposes of management, interpretation, and research of 
the conservation area's resources.

SEC. 8. NATIVE AMERICAN USES.

    (a) Native American Uses.--The Secretary shall ensure nonexclusive 
access to and use of the public lands in the conservation area by 
Native Americans for traditional cultural and religious purposes 
consistent with the American Indian Religious Freedom Act (42 U.S.C. 
1996).
    (b) Temporary Closure.--To implement this section, the Secretary 
may from time to time temporarily close to general public use any 
specific areas of public lands in the conservation area in order to 
protect the privacy of Native American religious activities in such 
areas. Any such closure shall be made in such manner as will affect the 
smallest practicable area for the minimum period necessary for such 
purposes.

SEC. 9. DEFINITIONS.

    In this Act:
            (1) Conservation area.--The term ``conservation area'' 
        means the Carrizo Plain National Conservation Area designated 
        under section 3(a).
            (2) California department of fish and game.--The term 
        ``California Department of Fish and Game'' means the public 
        entity within the State of California's Resources Agency 
        established by the laws of the State of California to 
        administer the fish and wildlife resources in the State on 
        behalf of the people of California.
            (3) Director.--The term ``Director'' means the Director of 
        the Bureau of Land Management.
            (4) Management plan.--The term ``management plan'' means 
        the management plan developed cooperatively by the Bureau of 
        Land Management, the California Department of Fish and Game, 
        and The Nature Conservancy, entitled ``The Carrizo Plain 
        Natural Area Management Plan'' and dated November 1996, as such 
        plan may be revised by the Secretary under section 4(b).
            (5) Secretary.--The term ``Secretary'' means the Secretary 
        of the Interior.
            (6) The nature conservancy.--The term ``The Nature 
        Conservancy'' means the nonprofit organization established 
        under laws of the State of Virginia and doing business in that 
        name.
answer:

Requires the Secretary, in cooperation with the Director, the California Department of Fish and Game, affected landowners, and The Nature Conservancy, to review and make any necessary revisions to the existing management plan.
Establishes in the Treasury a separate Carrizo Plain National Conservation Area Management Fund. Directs the Secretary to establish a Carrizo Plain National Conservation Area Advisory Council for advice and recommendations with respect to management plan preparation and implementation.
Authorizes the Secretary to acquire nongovernment, privately owned lands and interests within the conservation area by donation, exchange, or purchase with the owner's consent.
Withdraws all Federal lands within the conservation area, including all subsequently acquired lands or interests, from all forms of entry, appropriation, or disposal under the public land laws and from location, entry, and patent under Federal mining laws. Allows mineral development in the conservation area only to the extent consistent with the management plan.
Authorizes the Secretary to enter into cooperative agreements or shared management arrangements with any person for management, interpretation, and research of the conservation area's resources.
Directs the Secretary to ensure nonexclusive access to and use of the public lands in the conservation area by Native Americans for traditional cultural and religious purposes consistent with the American Indian Religious Freedom Act. Permits the Secretary from time to time temporarily to specific areas in such lands close to general public use in order to protect the privacy of Native American religious activities.