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

    This Act may be cited as the ``Financial Information Privacy Act of 
1999''.

SEC. 2. DEFINITIONS.

    In this Act--
            (1) the term ``covered person'' means a person that is 
        subject to the jurisdiction of any of the Federal financial 
        regulatory authorities; and
            (2) the term ``Federal financial regulatory authorities'' 
        means--
                    (A) each of the Federal banking agencies, as that 
                term is defined in section 3(z) of the Federal Deposit 
                Insurance Act; and
                    (B) the Securities and Exchange Commission.

SEC. 3. PRIVACY OF CONFIDENTIAL CUSTOMER INFORMATION.

    (a) Rulemaking.--The Federal financial regulatory authorities shall 
jointly issue final rules to protect the privacy of confidential 
customer information relating to the customers of covered persons, not 
later than 270 days after the date of enactment of this Act (and shall 
issue a notice of proposed rulemaking not later than 150 days after the 
date of enactment of this Act), which rules shall--
            (1) define the term ``confidential customer information'' 
        to be personally identifiable data that includes transactions, 
        balances, maturity dates, payouts, and payout dates, of--
                    (A) deposit and trust accounts;
                    (B) certificates of deposit;
                    (C) securities holdings; and
                    (D) insurance policies;
            (2) require that a covered person may not disclose or share 
        any confidential customer information to or with any affiliate 
        or agent of that covered person if the customer to whom the 
        information relates has provided written notice, as described 
        in paragraphs (4) and (5), to the covered person prohibiting 
        such disclosure or sharing--
                    (A) with respect to an individual that became a 
                customer on or after the effective date of such rules, 
                at the time at which the business relationship between 
                the customer and the covered person is initiated and at 
                least annually thereafter; and
                    (B) with respect to an individual that was a 
                customer before the effective date of such rules, at 
                such time thereafter that provides a reasonable and 
                informed opportunity to the customer to prohibit such 
                disclosure or sharing and at least annually thereafter;
            (3) require that a covered person may not disclose or share 
        any confidential customer information to or with any person 
        that is not an affiliate or agent of that covered person unless 
        the covered person has first--
                    (A) given written notice to the customer to whom 
                the information relates, as described in paragraphs (4) 
                and (5); and
                    (B) obtained the informed written or electronic 
                consent of that customer for such disclosures or 
                sharing;
            (4) require that the covered person provide notices and 
        consent acknowledgments to customers, as required by this 
        section, in separate and easily identifiable and 
        distinguishable form;
            (5) require that the covered person provide notice as 
        required by this section to the customer to whom the 
        information relates that describes what specific types of 
        information would be disclosed or shared, and under what 
        general circumstances, to what specific types of businesses or 
        persons, and for what specific types of purposes such 
        information could be disclosed or shared;
            (6) require that the customer to whom the information 
        relates be provided with access to the confidential customer 
        information that could be disclosed or shared so that the 
        information may be reviewed for accuracy and corrected or 
        supplemented;
            (7) require that, before a covered person may use any 
        confidential customer information provided by a third party 
        that engages, directly or indirectly, in activities that are 
        financial in nature, as determined by the Federal financial 
        regulatory authorities, the covered person shall take 
        reasonable steps to assure that procedures that are 
        substantially similar to those described in paragraphs (2) 
        through (6) have been followed by the provider of the 
        information (or an affiliate or agent of that provider); and
            (8) establish a means of examination for compliance and 
        enforcement of such rules and resolving consumer complaints.
    (b) Limitation.--The rules prescribed pursuant to subsection (a) 
may not prohibit the release of confidential customer information--
            (1) that is essential to processing a specific financial 
        transaction that the customer to whom the information relates 
        has authorized;
            (2) to a governmental, regulatory, or self-regulatory 
        authority having jurisdiction over the covered financial entity 
        for examination, compliance, or other authorized purposes;
            (3) to a court of competent jurisdiction;
            (4) to a consumer reporting agency, as defined in section 
        603 of the Fair Credit Reporting Act for inclusion in a 
        consumer report that may be released to a third party only for 
        a purpose permissible under section 604 of that Act; or
            (5) that is not personally identifiable.
    (c) Construction.--Nothing in this section or the rules prescribed 
under this section shall be construed to amend or alter any provision 
of the Fair Credit Reporting Act.

Answer: Financial Information Privacy Act of 1999 - Directs the Federal financial regulatory authorities (banking regulatory agencies and the Securities and Exchange Commission (SEC)) to jointly issue final rules to protect the privacy of confidential information relating to customers of institutions under their respective jurisdictions (covered institution). 
Mandates that such rules: (1) prohibit a covered institution from disclosing or sharing confidential customer information with any affiliate or agent if the customer has provided a written notice which forbids such disclosure; (2) prohibit a covered institution from disclosing or sharing confidential customer information with a non-affiliate or non-agent unless the customer has provided written or electronic consent; (3) require the covered institution to disclose to the customer the specific type of information disclosed or shared, under what circumstances, to what specific types of businesses, and for what types of purposes; (4) require customer access to information that could be disclosed so that it may be reviewed for accuracy and supplementation; and (5) establish a compliance and enforcement mechanism that includes consumer complaint resolution. 
Cites circumstances under which such information may be released.


Question: SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Community-Based Health Care 
Retraining Act''.

SEC. 2. HEALTH PROFESSIONS TRAINING DEMONSTRATION PROJECT.

    Section 171 of the Workforce Investment Act of 1998 (29 U.S.C. 
2916) is amended by adding at the end the following:
    ``(e) Health Professions Training Demonstration Project.--
            ``(1) Definitions.--In this subsection:
                    ``(A) Covered community.--The term `covered 
                community' means a community or region that--
                            ``(i) has experienced a significant 
                        percentage decline in positions in the 
                        manufacturing or service sectors; and
                            ``(ii) is determined by the Secretary of 
                        Health and Human Services (in consultation with 
                        the medical community) to be an area with a 
                        shortage of health care professionals described 
                        in clause (i) or (ii) of subparagraph (C).
                    ``(B) Covered worker.--The term `covered worker' 
                means an individual who--
                            ``(i)(I) has been terminated or laid off, 
                        or who has received a notice of termination or 
                        layoff, from employment in a manufacturing or 
                        service sector;
                            ``(II)(aa) is eligible for or has exhausted 
                        entitlement to unemployment compensation; or
                            ``(bb) has been employed for a duration 
                        sufficient to demonstrate, to the appropriate 
                        entity at a one-stop center referred to in 
                        section 134(c), attachment to the workforce, 
                        but is not eligible for unemployment 
                        compensation due to insufficient earnings or 
                        having performed services for an employer that 
                        were not covered under a State unemployment 
                        compensation law; and
                            ``(III) is unlikely to return to a previous 
                        industry or occupation; or
                            ``(ii)(I) has been terminated or laid off, 
                        or has received a notice of termination or 
                        layoff, from employment in a manufacturing or 
                        service sector as a result of any permanent 
                        closure of, or any substantial layoff at, a 
                        plant, facility, or enterprise; or
                            ``(II) is employed in a manufacturing or 
                        service sector at a facility at which the 
                        employer has made a general announcement that 
                        such facility will close within 180 days.
                    ``(C) Health care professional.--The term `health 
                care professional'--
                            ``(i) means an individual who is involved 
                        with--
                                    ``(I) the delivery of health care 
                                services, or related services, 
                                pertaining to--
                                            ``(aa) the identification, 
                                        evaluation, and prevention of 
                                        diseases, disorders, or 
                                        injuries; or
                                            ``(bb) home-based or 
                                        community-based long-term care;
                                    ``(II) the delivery of dietary and 
                                nutrition services; or
                                    ``(III) rehabilitation and health 
                                systems management; and
                            ``(ii) with respect to a covered community 
                        to be served through a grant made under 
                        paragraph (3), includes individuals in health 
                        care professions and jobs for which there is a 
                        shortage in the community, as determined by the 
                        Secretary of Health and Human Services (in 
                        consultation with the medical community), 
                        giving consideration to the amount of training 
                        time required to retrain the covered workers 
                        for the health care professions and jobs.
                    ``(D) Tribal college or university.--The term 
                `tribal college or university' means--
                            ``(i) a tribally controlled college or 
                        university, as defined in section 2 of the 
                        Tribally Controlled College or University 
                        Assistance Act of 1978 (25 U.S.C. 1801);
                            ``(ii) Dine College, authorized in the 
                        Navajo Community College Act (25 U.S.C. 640a et 
                        seq.); and
                            ``(iii) any of the 1994 Institutions, as 
                        defined in section 532 of the Equity in 
                        Educational Land-Grant Status Act of 1994 (7 
                        U.S.C. 301 note).
            ``(2) Establishment of project.--In accordance with 
        subsection (b), the Secretary shall establish and carry out a 
        health professions training demonstration project.
            ``(3) Grants.--In carrying out the project, the Secretary, 
        after consultation with the Secretary of Health and Human 
        Services, shall make grants to eligible entities to enable the 
        entities to carry out programs in covered communities to train 
        covered workers for employment as health care professionals. 
        The Secretary shall make each grant in an amount of not less 
        than $100,000 and not more than $500,000.
            ``(4) Eligible entities.--Notwithstanding subsection 
        (b)(2)(B), to be eligible to receive a grant under this 
        subsection to carry out a program in a covered community, an 
        entity shall be a partnership that is--
                    ``(A) under the direction of a local workforce 
                investment board established under section 117 that is 
                serving the covered community; and
                    ``(B) composed of members serving the covered 
                community, such as--
                            ``(i) an institution of higher education 
                        that provides a 4-year program of instruction;
                            ``(ii) an accredited community college;
                            ``(iii) an accredited vocational or 
                        technical school;
                            ``(iv) a tribal college or university;
                            ``(v) a health clinic or hospital;
                            ``(vi) a home-based or community-based 
                        long-term care facility or program; or
                            ``(vii) a health care facility administered 
                        by the Secretary of Veterans Affairs.
            ``(5) Applications.--To be eligible to receive a grant 
        under this subsection, an entity shall submit an application to 
        the Secretary at such time, in such manner, and containing such 
        information as the Secretary may require, including, at a 
        minimum--
                    ``(A) a proposal to use the grant funds to 
                establish or expand a training program in order to 
                train covered workers for employment as health care 
                professionals (including paraprofessionals);
                    ``(B) information demonstrating the need for the 
                training and support services to be provided through 
                the program;
                    ``(C) information describing the manner in which 
                the entity will expend the grant funds, and the 
                activities to be carried out with the funds;
                    ``(D) information demonstrating that the entity 
                meets the requirements of paragraph (4); and
                    ``(E) with respect to training programs carried out 
                by the applicant, information--
                            ``(i) on the graduation rates of the 
                        programs involved;
                            ``(ii) on the retention measures carried 
                        out by the applicant;
                            ``(iii) on the length of time necessary to 
                        complete the training programs of the 
                        applicant; and
                            ``(iv) on the number of qualified covered 
                        workers that are refused admittance into the 
                        training programs because of lack of capacity.
            ``(6) Selection.--In making grants under paragraph (3), the 
        Secretary, after consultation with the Secretary of Health and 
        Human Services, shall--
                    ``(A) consider the information submitted by the 
                eligible entities under paragraph (5)(E); and
                    ``(B) select--
                            ``(i) eligible entities submitting 
                        applications that meet such criteria as the 
                        Secretary of Labor determines to be 
                        appropriate; and
                            ``(ii) among such entities, the eligible 
                        entities serving the covered communities with 
                        the greatest need for the grants and the 
                        greatest potential to benefit from the grants.
            ``(7) Use of funds.--
                    ``(A) In general.--An entity that receives a grant 
                under this subsection shall use the funds made 
                available through the grant for training and support 
                services that meet the needs described in the 
                application submitted under paragraph (5), which may 
                include--
                            ``(i) increasing capacity, subject to 
                        subparagraph (B), at an educational institution 
                        or training center to train individuals for 
                        employment as health professionals, such as 
                        by--
                                    ``(I) expanding a facility, subject 
                                to subparagraph (B);
                                    ``(II) expanding course offerings;
                                    ``(III) hiring faculty;
                                    ``(IV) providing a student loan 
                                repayment program for the faculty;
                                    ``(V) establishing or expanding 
                                clinical education opportunities;
                                    ``(VI) purchasing equipment, such 
                                as computers, books, clinical supplies, 
                                or a patient simulator; or
                                    ``(VII) conducting recruitment; or
                            ``(ii) providing support services for 
                        covered workers participating in the training, 
                        such as--
                                    ``(I) providing tuition assistance;
                                    ``(II) establishing or expanding 
                                distance education programs;
                                    ``(III) providing transportation 
                                assistance; or
                                    ``(IV) providing child care.
                    ``(B) Limitation.--To be eligible to use the funds 
                to expand a facility, the eligible entity shall 
                demonstrate to the Secretary in an application 
                submitted under paragraph (5) that the entity can 
                increase the capacity described in subparagraph (A)(i) 
                of such facility only by expanding the facility.
            ``(8) Funding.--Of the amounts appropriated to, and 
        available at the discretion of, the Secretary or the Secretary 
        of Health and Human Services for programmatic and 
        administrative expenditures, a total of $25,000,000 shall be 
        used to establish and carry out the demonstration project 
        described in paragraph (2) in accordance with this 
        subsection.''.

Answer: Community-Based Health Care Retraining Act - Amends the Workforce Investment Act of 1998 to require the Secretary of Labor to establish and carry out a health professions training demonstration project that awards grants to eligible entities to train certain unemployed workers from the manufacturing or service sector for employment as health care professionals in communities with manufacturing and service sector job loss and health care professional shortages.


Question: SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Save Our Neighborhoods Act of 
2012''.

SEC. 2. STAYS OF FORECLOSURES.

    (a) Cause of Action.--
            (1) In general.--A mortgagor of a property subject to a 
        federally related mortgage loan may file a motion before a 
        court in the jurisdiction in which the property is located for 
        an order under subsection (d).
            (2) Interim order.--The court shall, on the date of such 
        filing, enter an order that shall--
                    (A) stay any foreclosure proceedings (including 
                proceedings before a State court) that have been 
                brought against the property that is subject to the 
                federally related mortgage loan; and
                    (B) remain in effect for a period of 60 days, 
                beginning on the date that the order is entered.
            (3) Limitation.--The mortgagor of the property subject to a 
        federally related mortgage loan is only allowed to file one 
        motion under subsection (a)(1).
    (b) Consensual Revision of Mortgage.--The mortgagor and mortgagee 
shall meet not later than 30 days after the mortgagor files under 
subsection (a). Not later than 15 days prior to that meeting, the 
mortgagee shall provide the mortgagor with a list of local housing 
counseling agencies approved by the Secretary of Housing and Urban 
Development. The mortgagor may be accompanied by a counselor from such 
an agency. If the mortgagor and mortgagee execute a consensually 
modified mortgage agreement within 60 days of the court granting the 
stay, the order under subsection (a)(2) would terminate. If at the end 
of the 60 days an agreement has not been reached, the court may issue 
an order under subsection (d) in accordance with subsection (c). The 
mortgagor may request not more than 1 additional meeting after the 
first meeting and before the end of the period during which foreclosure 
proceedings are stayed pursuant to an order under subsection (a) or 
(d). The mortgagee shall comply with that request not later than 30 
days after that request.
    (c) Standard of Proof.--The court shall grant a motion under 
subsection (a)(1) for an order under subsection (d), if the mortgagor 
demonstrates by a preponderance of the evidence the following:
            (1) That the mortgagor has a reasonable ability to make 
        payments described under subsection (d)(5).
            (2) Financial hardship of the mortgagor.
            (3) That the property subject to the mortgage would be the 
        primary residence of the mortgagor.
    (d) Order Described.--An order under this subsection shall, 
beginning on the date that is 60 days after the filing of the motion 
under subsection (a)(1)--
            (1) stay any foreclosure proceedings that have been brought 
        against the property that is subject to the federally related 
        mortgage loan, including proceedings before a State court and 
        eviction or detainer proceedings in a non-judicial foreclosure 
        State;
            (2) remain in effect for a period of up to 3 years 
        beginning on the date that the order is entered, except that 
        the period shall terminate if an agreement under subsection (b) 
        is executed during such period;
            (3) prohibit the assessment or collection of any late fees 
        regarding payments on the federally related mortgage loan;
            (4) toll the statute of limitations for any other 
        applicable laws pertaining to the federally related mortgage 
        loan;
            (5) require that the mortgagor make payments in an amount 
        the court determines appropriate, which may include the fair 
        market rental value of the property (determined by the court in 
        accordance with subsection (f)), to the mortgagee at such times 
        as the court determines appropriate; and
            (6) require that the mortgagee apply such payments--
                    (A) first, to any taxes owed on the property;
                    (B) then, to any obligations relating to insurance, 
                including homeowner's insurance on the property;
                    (C) then, to any interest due on the mortgage for 
                that period under the terms of the mortgage; and
                    (D) finally, to the principal amount due on the 
                mortgage for that period under the terms of the 
                mortgage.
    (e) Result of Failure To Revise During Stay of Foreclosure.--If an 
order under subsection (d) terminates and the mortgagor and mortgagee 
have not submitted an agreement described in subsection (b) to the 
court on or before the date that the order terminates, the court shall 
enter an order--
            (1) ordering an appraisal to determine the fair market 
        value of the property to be performed by a licensed appraiser 
        approved by the Secretary of Housing and Urban Development;
            (2) if the fair market value of the property, as determined 
        by the appraiser is less than the principal remaining on the 
        mortgage loan, adjusting the principal amount to the fair 
        market value, giving consideration to the appraisal and any 
        other information the court determines appropriate;
            (3) ordering reasonable interest on the principal as 
        adjusted under paragraph (2) based on the average prime offer 
        rate (as such term is defined in section 129C of the Truth in 
        Lending Act (15 U.S.C. 1639c)) for mortgages; and
            (4) if the fair market value is greater than the principal 
        remaining on the mortgage loan, ordering payments set at a 
        reasonable interest rate on the remaining principal based on 
        the average prime offer rate for mortgages on that date.
    (f) Determination of Fair Market Rental Value.--In determining the 
fair market rental value of a property for purposes of subsection 
(d)(5), the court shall consider the following:
            (1) The fair market rents for the market area in which the 
        property is located for similar property calculated for other 
        Federal rental housing programs.
            (2) Any other information the court determines appropriate.
    (g) Authority of Magistrate Judges.--Any proceeding regarding a 
motion under subsection (a) may be heard by a magistrate judge of the 
United States, and that magistrate judge, notwithstanding section 
636(b)(1)(A) of title 28, United States Code, may issue an order in 
accordance with this section.
    (h) Limitation on Remedies.--The mortgagee's remedies shall be 
limited to those that would be available as if the proceeding were a 
foreclosure proceeding.
    (i) Definitions.--In this Act:
            (1) The term ``federally related mortgage loan'' has the 
        meaning given such term under section 3 of the Real Estate 
        Settlement Procedures Act of 1974 (12 U.S.C. 2602).
            (2) The term ``financial hardship'' means any financial 
        burden of a mortgagor that causes that mortgagor to be 
        reasonably unable to make a payment on that mortgage, 
        including--
                    (A) reduction in or loss of income that was 
                supporting the mortgage;
                    (B) change in household financial circumstances;
                    (C) recent or upcoming increase in the mortgagor's 
                monthly mortgage payment;
                    (D) an unavoidable increase in other expenses;
                    (E) a lack of cash reserves to maintain payment on 
                the mortgage and cover basic living expenses at the 
                same time (cash reserves include assets such as cash 
                savings, money market funds, stocks or bonds, but 
                exclude retirement accounts);
                    (F) excessive monthly debt payments, including if 
                the mortgagor has been using credit cards, a home 
                equity loan or other credit to make the mortgage 
                payment;
                    (G) the mortgagor has been subject to predatory 
                lending practices; and
                    (H) other reasons for hardship identified and 
                explained by the mortgagor.
            (3) In determining whether a lending practice is predatory, 
        the court shall consider whether the mortgagor has been subject 
        to practices including but not limited to: abusive collection 
        practices; balloon payments; encouragement of default; repeat 
        financing where the equity is depleted as a result of 
        financing; excessive fees; excessive interest rates; fraud, 
        deception, and abuse; high loan-to-value ratio; lending without 
        regard to ability to repay; loan flipping; mandatory 
        arbitration clauses; payday lending; pre-payment penalties; 
        refinancing of mortgages with a loan that does not provide a 
        tangible economic benefit to the borrower; refinancing 
        unsecured debt; payment of single-premium credit insurance; the 
        process of referring borrowers who qualify for lower-cost 
        financing to high-cost lenders; subprime lending; high yield-
        spread premiums.

SEC. 3. REGULATORY AUTHORITY OF THE CONSUMER FINANCIAL PROTECTION 
              BUREAU.

    The Director of the Bureau of Consumer Financial Protection of the 
Federal Reserve System may make rules or issue guidance to carry out 
this Act.

SEC. 4. DURATION OF THIS ACT.

    This Act shall be effective for 5 years, beginning on the date of 
enactment of this Act.

Answer:
Save Our Neighborhoods Act of 2012 - Authorizes a mortgagor of a property subject to a federally related mortgage loan to file a motion before a court in the jurisdiction in which the property is located for an order to: (1) stay any foreclosure proceedings brought against the property; (2) remain in effect for up to three years; (3) prohibit the assessment or collection of any late fees regarding payments on such loan; (4) toll the statute of limitations for any other applicable laws pertaining to such loan; (5) require the mortgagor to make payments in an appropriate amount to the mortgagee at appropriate times; and (6) require the mortgagee to apply such payments first to any taxes owed on the property, and then to property insurance obligations, interest due, and the mortgage principal due.

Requires the court, if an order terminates before the mortgagor and mortgagee have submitted an agreement to the court, to enter an order: (1) ordering an appraisal by an approved licensed appraiser to determine the property's fair market value; (2) adjusting the principal amount to the property's fair market value if that value is less than the principal remaining on the mortgage loan; (3) ordering reasonable interest on the principal so adjusted, based on the average prime offer rate for mortgages; and (4) ordering payments set at a reasonable interest rate on the principal remaining on the mortgage loan, based on the average prime offer rate for mortgages on that date, if the fair market value is greater than the remaining principal.

Requires: (1) the court, on the date such motion is filed, to stay any foreclosure proceedings that have been brought against the property; (2) the mortgagor and mortgagee to meet after the mortgagor files the motion; and (3) the mortgagee to provide the mortgagor with a list of approved local housing counseling agencies.

Requires the foreclosure stay order to terminate if the mortgagor and mortgagee execute a consensually modified mortgage agreement within 60 days after the grant of the stay.

Authorizes the Director of the Consumer Financial Protection Bureau of the Federal Reserve System to make rules or issue guidance to carry out this Act.