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

[EX Q]: SECTION 1. SHORT TITLE.

    This Act may be cited as the ``National Commission of the Federal 
Response to Natural Disasters in Puerto Rico Act of 2018''.

SEC. 2. ESTABLISHMENT AND PURPOSE.

    (a) Establishment.--There is established a National Commission of 
the Federal Response to Natural Disasters in Puerto Rico (in this Act 
referred to as the ``Commission'').
    (b) Purpose.--The purpose of the Commission is to examine the 
Federal preparedness, response, and recovery to the 2017 natural 
disasters in Puerto Rico, including the Federal Government's 
consideration of the following aspects:
            (1) Federal preparedness activities prior to Hurricanes 
        Irma and Maria, including Federal plans for the 2017 hurricane 
        season and decisionmaking regarding prepositioning contracts 
        and supplies.
            (2) Federal response activities during Hurricanes Irma and 
        Maria, including Federal coordination, distribution of 
        assistance, and contracting.
            (3) Federal recovery activities after Hurricanes Irma and 
        Maria, including Federal efforts to obtain accurate accounting 
        of the death toll, damage impacts, and long-term rebuilding 
        assistance for survivors.

SEC. 3. CONSIDERATIONS.

    To carry out its examination, the Commission shall take into 
consideration the Federal preparedness, response, and recovery efforts 
in Puerto Rico as compared to other jurisdictions that were impacted by 
the 2017 hurricane season, as well as the following issues:
            (1) The impact and destruction of Hurricane Irma, Hurricane 
        Maria, the resulting landslides, and flooding.
            (2) The adequacy of the death toll methodology and 
        processes, and whether previous death counts and mortality 
        estimates slowed or otherwise affected Federal response 
        efforts.
            (3) The Federal emergency and contingency plans in place 
        before the 2017 hurricane season.
            (4) The Federal preparedness guidelines issued ahead of the 
        2017 hurricane season.
            (5) The vulnerability of Puerto Rico's economic situation 
        on Federal preparedness.
            (6) The implications of Puerto Rico's reliance on imported 
        oil for power generation.
            (7) The adequacy of the telecommunications network in 
        Puerto Rico.
            (8) The capacity of the local government and Federal 
        Government to quickly mobilize and respond to disasters and 
        emergencies in Puerto Rico.
            (9) The impact of the uncertainty in long-term Federal 
        health care funding on medical and emergency readiness.
            (10) The implication of Puerto Rico's treatment under the 
        Internal Revenue Code of 1986 and its impact on readiness.
            (11) The adequacy of available data and its effects on the 
        Federal response.
            (12) The geographic, ecological, and infrastructure issues 
        that could have affected response efforts.
            (13) A comparison of response efforts in other United 
        States jurisdictions vis-a-vis efforts in Puerto Rico for the 
        2017 hurricane season.

SEC. 4. COMPOSITION AND COMPENSATION OF COMMISSION.

    (a) Members.--The Commission shall be composed of 8 members, of 
whom two shall be appointed by the Speaker of the House of 
Representatives, two shall be appointed by the Majority Leader of the 
Senate, two shall be appointed by the Minority Leader of the House of 
Representatives, and two shall be appointed by the Minority Leader of 
the Senate.
    (b) Chair and Vice Chair.--The Commission, by majority vote, shall 
choose a Chair and Vice Chair.
    (c) Qualifications and Restrictions.--
            (1) In general.--Individuals shall be selected for 
        appointment on the Commission solely on the basis of their 
        professional qualifications, experience, and expertise in 
        relevant fields, including disaster response and emergency 
        preparedness.
            (2) Restrictions.--Individuals may not be an officer or 
        employee of the Federal Government or any State, or a current 
        elected official of the local government.
    (d) Appointment.--
            (1) In general.--All members of the Commission shall be 
        appointed not later than 30 days after the date of the 
        enactment of this Act.
            (2) Presidential authority.--The President shall have no 
        authority to terminate the appointment of any member of the 
        commission.
    (e) Vacancies.--Any vacancy in the Commission shall not affect its 
powers, but shall be filled in the same manner in which the original 
appointment was made not later than 60 days after the date on which the 
vacancy occurs.
    (f) Compensation.--
            (1) In general.--Members of the Commission may be 
        compensated for travel expenses necessary to conduct the work 
        and services for the Commission.
            (2) Travel expenditures.--Members shall be allowed travel 
        expenditures, including per diem in lieu of subsistence, in the 
        same manner as persons employed intermittently in the 
        Government service are allowed expenses under section 5703 of 
        title 5, United States Code.
    (g) Staff.--
            (1) In general.--With a majority vote of the Commission, 
        members may recruit personnel to assist with the Commission's 
        work, including the creation of the report.
            (2) Personnel.--Any such personnel may include private 
        citizens, employees or detailees of the Federal Government, or 
        employees of the territorial government.

SEC. 5. FUNCTIONS AND POWERS OF THE COMMISSION.

    (a) Quorum.--
            (1) In general.--Not later than 60 days after the date on 
        which all members of the Commission have been appointed, the 
        Commission shall meet and begin the operations of the 
        Commission.
            (2) Subsequent meetings.--Each subsequent meeting shall 
        occur upon the call of the Chair or a majority of its members.
            (3) Quorum.--A majority of the members of the Commission 
        shall constitute a quorum, but a lesser number may hold 
        meetings.
    (b) Public Meetings.--The Commission shall host not less than 10 
public meetings in locations that are accessible to individuals of 
every municipality with elected officials, local community leaders, 
academic institutions, for-profit and non-for-profit organizations, and 
individuals in Puerto Rico to the extent appropriate.
    (c) Written Input.--The Commission shall allow participants both in 
Puerto Rico and the mainland to provide written input to be included in 
an appendix of the final report.
    (d) Hearings.--
            (1) In general.--The Commission may hold hearings, take 
        testimony, and receive evidence for its investigation.
            (2) Protection of information.--Any public hearings of the 
        Commission shall be conducted in a manner consistent with the 
        protection of information provided to or developed for or by 
        the Commission as required by any applicable statute, 
        regulation, or Executive order.
    (e) Subpoenas.--The Commission may issue subpoenas requiring the 
attendance and testimony of witnesses, and requiring the submission of 
data, books, records, correspondence, memoranda, papers, documents, 
electronic files, metadata, tapes, and materials of any nature relating 
to any matter under investigation.
    (f) Information From Agencies.--The Commission may secure directly 
from any executive department, bureau, agency, board, commission, 
office, independent establishment, or instrumentality of the 
Government, information, suggestions, estimates, and statistics.
    (g) GSA Services.--The Administrator of General Services shall 
provide to the Commission on a reimbursable basis administrative 
support and other services for the performance of the Commission's 
functions.
    (h) Federal Assistance From Other Agencies.--Departments and 
agencies of the United States may provide to the Commission such 
services, funds, facilities, staff, and other support services as they 
may determine advisable and as may be authorized by law.
    (i) Postal Services.--The Commission may use the United States 
mails in the same manner and under the same conditions as other 
departments and agencies of the United States.

SEC. 6. REPORTS OF COMMISSION.

    (a) Report.--Not later than 12 months after the date of the 
enactment of this Act, the Commission shall submit to the President and 
Congress a final report on the causes and circumstances surrounding the 
natural disasters in Puerto Rico, including preparedness and immediate 
response, and providing recommendations to guard against future natural 
disasters outside of the continental United States, which shall contain 
findings, conclusions, and recommendations as have been agreed to by a 
majority of Commission members and shall--
            (1) be made available to the public in the English and 
        Spanish languages;
            (2) include findings for the issues described in section 2; 
        and
            (3) include--
                    (A) the number and nature of complaints filed to 
                the Inspectors General for Federal agencies responsible 
                in the aftermath of the 2017 natural disasters;
                    (B) details on Federal procurement and acquisition 
                practices in the aftermath of the 2017 natural 
                disasters;
                    (C) details on disaster mitigation protocols given 
                cultural and language differences; and
                    (D) disaster response processes taking into account 
                demographics (age, race, gender, income) and the impact 
                on segments of the population with disabilities.
    (b) Appendix.--An appendix to the final report shall include 
written input of participants in Puerto Rico and the mainland.
    (c) Interim Report.--Not later than 6 months after the date of 
enactment of this Act, the Commission shall provide to Congress an 
interim report.

SEC. 7. SUNSET.

    The Commission shall terminate on the day that is 90 days after the 
date on which the final report is submitted.

SEC. 8. AUTHORIZATION OF APPROPRIATIONS.

    There is authorized to be appropriated $3,000,000 to carry out this 
Act, to remain available until expended.
[EX A]: National Commission of the Federal Response to Natural Disasters in Puerto Rico Act of 2018 This bill establishes a National Commission of the Federal Response to Natural Disasters in Puerto Rico to examine the federal preparedness, response, and recovery to the 2017 natural disasters in Puerto Rico. The commission shall take into consideration the federal preparedness, response, and recovery efforts in Puerto Rico as compared to other jurisdictions impacted by the 2017 hurricane season, and consider other issues, including the impact and destruction of Hurricanes Irma and Maria, the vulnerability of Puerto Rico's economic situation on preparedness, the implications of Puerto Rico's reliance on imported oil for power generation, and the adequacy of the telecommunications network in Puerto Rico.

[EX Q]: SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Federal Student Loan Refinancing 
Act''.

SEC. 2. STUDENT LOAN CONSOLIDATION.

    Section 459B of the Higher Education Act of 1965 (20 U.S.C. 1087i-
2) is amended--
            (1) in subsection (a)(3), by striking ``section'' and 
        inserting ``subsection'';
            (2) in subsection (b), by striking ``this section'' and 
        inserting ``subsection (a)'' each place the term appears; and
            (3) by inserting at the end the following:
    ``(c) Temporary Loan Consolidation Authority for Certain Loans Made 
After July 1, 2006.--
            ``(1) Loan consolidation authority.--
                    ``(A) In general.--A borrower who has 1 or more 
                loans in a category described in subparagraph (B) may 
                consolidate all of the loans of the borrower that are 
                described in subparagraph (B) into a Federal Direct 
                Consolidation Loan during the period described in 
                subparagraph (C).
                    ``(B) Categories of loans that may be 
                consolidated.--The categories of loans that may be 
                consolidated under subparagraph (A) are loans made on 
                or after July 1, 2006, that are--
                            ``(i) loans made under this part;
                            ``(ii) loans purchased by the Secretary 
                        pursuant to section 459A; and
                            ``(iii) loans made under part B that are 
                        held by an eligible lender, as such term is 
                        defined in section 435(d).
                    ``(C) Time period in which loans may be 
                consolidated.--
                            ``(i) Federal direct loans.--In the case of 
                        a borrower who has 1 or more loans described 
                        under subparagraph (B)(i), the Secretary 
                        shall--
                                    ``(I) consolidate the loans 
                                described under subparagraph (B)(i) not 
                                later than 90 days after the date of 
                                enactment of the Federal Student Loan 
                                Refinancing Act; and
                                    ``(II) notify the borrower, in 
                                writing, prior to such consolidation 
                                that--
                                            ``(aa) the borrower's loans 
                                        under this part have been 
                                        consolidated at a lower 
                                        interest rate; and
                                            ``(bb) the borrower's 
                                        repayment plan and the other 
                                        terms and conditions of the 
                                        borrower's loan remain 
                                        unchanged.
                            ``(ii) Other loans.--In the case of a 
                        borrower who has 1 or more loans described 
                        under clause (ii) or (iii) of subparagraph (B), 
                        the Secretary shall--
                                    ``(I) initiate the loan 
                                consolidation process for the loans 
                                described under clause (ii) or (iii) of 
                                subparagraph (B), not later than 90 
                                days after the date of enactment of the 
                                Federal Student Loan Refinancing Act, 
                                by sending a completed loan 
                                consolidation application to the 
                                borrower;
                                    ``(II) notify the borrower, as part 
                                of such application, that a fee will be 
                                assessed and that the interest rate of 
                                the Federal Direct Consolidation Loan 
                                will be set in accordance with 
                                paragraph (2); and
                                    ``(III) notify the borrower, as 
                                part of such application, that if the 
                                borrower wishes to consolidate in 
                                accordance with the completed 
                                application, the borrower must endorse 
                                the application and submit the 
                                application to the Secretary not more 
                                than 6 months after receipt of the 
                                application.
            ``(2) Terms of loans.--The following terms and conditions 
        shall apply to a Federal Direct Consolidation Loan made under 
        this subsection:
                    ``(A) The applicable rate of interest on a Federal 
                Direct Consolidation Loan made under this subsection 
                shall be--
                            ``(i) 4 percent; or
                            ``(ii) in a case in which the weighted 
                        average of the interest rates on the 
                        outstanding loans of a borrower that will be 
                        consolidated is less than 4 percent, the lesser 
                        of--
                                    ``(I) the weighted average of the 
                                interest rates on the outstanding loans 
                                of a borrower that will be 
                                consolidated; or
                                    ``(II) a rate of interest equal 
                                to--
                                            ``(aa) 4 percent; minus
                                            ``(bb) 0.4 percent of the 
                                        principal balance of the 
                                        consolidation loan, at the time 
                                        of consolidation.
                    ``(B) In the case of a loan consolidated under 
                paragraph (1)(C)(ii), an origination fee equal to 0.4 
                percent of the principal balance of the consolidation 
                loan, at the time of consolidation, will be added to 
                the principal balance of the loan, and the Secretary 
                shall use the fee to cover the cost of making and 
                servicing the loan.
                    ``(C) If 1 or more of the loans being consolidated 
                is a loan described under paragraph (1)(B)(iii), the 
                interest rate on the Federal Direct Consolidation Loan 
                under this subsection shall be reduced by 0.25 percent.
                    ``(D) Any benefit a borrower is receiving or 
                earning at the time a Federal Direct Consolidation Loan 
                is issued under this subsection shall not be affected 
                by consolidation under this section, including benefits 
                such as a deferment or forbearance, accumulation of 
                monthly payments as part of the public service loan 
                forgiveness program under section 455(m), accumulation 
                of monthly payments toward a loan discharge under the 
                income-based repayment plan under section 493C, 
                participation in a particular repayment plan, and other 
                benefits to the borrower.''.

SEC. 3. EXEMPTIONS FROM OTHER LAWS.

    (a) Exemption From the Paperwork Reduction Act.--Chapter 35 of 
title 44, United States Code, shall not apply to this Act.
    (b) Inapplicability of Rulemaking Requirements.--Sections 482(c) 
and 492 of the Higher Education Act of 1965 (20 U.S.C. 1089(c), 1098a) 
and section 553 of title 5, United States Code, shall not apply to the 
amendments made by this Act, or to any regulations promulgated under 
such amendments.
[EX A]: Federal Student Loan Refinancing Act This bill amends title IV (Student Assistance) of the Higher Education Act of 1965 to allow borrowers that received loans under the William D. Ford Federal Direct Loan (DL) or Federal Family Education Loan (FFEL) program on or after July 1, 2006, to consolidate those loans as Federal Direct Consolidation Loans.  It directs the Department of Education (ED) to consolidate DLs, and send a completed loan consolidation application to FFEL borrowers, within 90 days of this bill's enactment. It gives FFEL borrowers six months after their receipt of such application to endorse it and submit it to ED if they wish to consolidate their loans. The bill sets the interest rate on Federal Direct Consolidation Loans at 4% or, if the weighted average of the interest rates of the loans being consolidated is less than 4%, the lesser of: (1) that weighted average, or (2) an interest rate equal to 0.4% of the principal balance of the consolidation loan at the time of consolidation. It adds an origination fee equal to 0.4% of the principal balance of the consolidation loan at the time of consolidation if an FFEL is being consolidated. It reduces the interest rate on a Federal Direct Consolidation Loan by 0.25% if one or more of the loans being consolidated is an FFEL held by an eligible lender. The bill prohibits any benefit a borrower is receiving or earning when issued a Federal Direct Consolidation Loan from being affected by the consolidation.

[EX Q]: SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Social Security Number Protection 
Act of 2007''.

SEC. 2. DEFINITIONS.

    In this Act:
            (1) Commission.--The term ``Commission'' means the Federal 
        Trade Commission.
            (2) Person.--The term ``person'' means any individual, 
        partnership, corporation, trust, estate, cooperative, 
        association, or any other entity.
            (3) Sale.--The term ``sale'' means obtaining, directly or 
        indirectly, anything of value in exchange for a Social Security 
        number or Social Security account number. Such term does not 
        include the submission of such numbers as part of the process 
        for applying for any type of Government benefit or programs 
        (such as grant or loan applications or welfare or other public 
        assistance programs). Such term also does not include transfers 
        of such numbers as part of a data matching program under the 
        Computer Matching and Privacy Protection Act.
            (4) Purchase.--The term ``purchase'' means providing 
        directly or indirectly, anything of value in exchange for a 
        Social Security number or Social Security account number. Such 
        term does not include the submission of such numbers as part of 
        the process for applying for any type of Government benefit or 
        programs (such as grant or loan applications or welfare or 
        other public assistance programs). Such term also does not 
        include transfers of such numbers as part of a data matching 
        program under the Computer Matching and Privacy Protection Act.
            (5) Social security number.--The term ``Social Security 
        number'' means the social security account number assigned to 
        an individual under section 205(c)(2)(B) of the Social Security 
        Act (42 U.S.C. 405(c)(2)(B)).
            (6) State.--The term ``State'' means any State of the 
        United States, the District of Columbia, Puerto Rico, the 
        Northern Mariana Islands, the United States Virgin Islands, 
        Guam, American Samoa, and any territory or possession of the 
        United States.

SEC. 3. REGULATION OF THE SALE AND PURCHASE OF SOCIAL SECURITY NUMBERS.

    (a) Prohibition.--It shall be unlawful for any person to sell or 
purchase a Social Security number in a manner that violates a 
regulation promulgated by the Commission under subsection (b) of this 
section.
    (b) Regulations.--
            (1) Restrictions authorized.--The Commission, after 
        consultation with the Commissioner of Social Security, the 
        Attorney General, and other agencies as the Commission deems 
        appropriate, shall promulgate regulations restricting the sale 
        and purchase of Social Security numbers and any unfair or 
        deceptive acts or practices in connection with the sale and 
        purchase of Social Security numbers.
            (2) Limitations on restrictions.--In promulgating such 
        regulations, the Commission shall impose restrictions and 
        conditions on the sale and purchase of Social Security numbers 
        that are no broader than necessary--
                    (A) to provide reasonable assurance that Social 
                Security numbers will not be used to commit or 
                facilitate fraud, deception, or crime; and
                    (B) to prevent an undue risk of bodily, emotional, 
                or financial harm to individuals.
        For purposes of subparagraph (B), the Commission shall consider 
        the nature, likelihood, and severity of the anticipated harm; 
        the nature, likelihood, and extent of any benefits that could 
        be realized from the sale or purchase of the numbers; and any 
        other relevant factors.
            (3) Exceptions.--The regulations promulgated pursuant to 
        paragraph (1) shall include exceptions which permit the sale 
        and purchase of Social Security numbers--
                    (A) to the extent necessary for law enforcement or 
                national security purposes;
                    (B) to the extent necessary for public health 
                purposes;
                    (C) to the extent necessary in emergency situations 
                to protect the health or safety of 1 or more 
                individuals;
                    (D) to the extent necessary for research conducted 
                for the purpose of advancing public knowledge, on the 
                condition that the researcher provides adequate 
                assurances that--
                            (i) the Social Security numbers will not be 
                        used to harass, target, or publicly reveal 
                        information concerning any identifiable 
                        individuals;
                            (ii) information about identifiable 
                        individuals obtained from the research will not 
                        be used to make decisions that directly affect 
                        the rights, benefits, or privileges of specific 
                        individuals; and
                            (iii) the researcher has in place 
                        appropriate safeguards to protect the privacy 
                        and confidentiality of any information about 
                        identifiable individuals;
                    (E) to the extent consistent with an individual's 
                voluntary and affirmative written consent to the sale 
                or purchase of a Social Security number that has been 
                assigned to that individual;
                    (F) to the extent necessary for legitimate consumer 
                credit verification, if the Social Security numbers 
                used for such verification are redacted in accordance 
                with uniform redaction standards established by the 
                Commission in such regulations; and
                    (G) under other appropriate circumstances as the 
                Commission may determine and as are consistent with the 
                principles in paragraph (2).
    (c) Rulemaking.--
            (1) Deadline for action.--Not later than 1 year after the 
        date of enactment of this Act, the Commission shall promulgate 
        the regulations under subsection (b) of this section, in 
        accordance with section 553 of title 5, United States Code.
            (2) Effective dates.--Subsection (a) and the regulations 
        promulgated under subsection (b) shall take effect 30 days 
        after the date on which the final regulations issued under this 
        section are published in the Federal Register.
    (d) Enforcement.--Any violation of a regulation promulgated under 
subsection (b) of this section shall be treated as a violation of a 
regulation under section 18(a)(1)(B) of the Federal Trade Commission 
Act (15 U.S.C. 57a(a)(1)(B)) regarding unfair or deceptive acts or 
practices.
    (e) Administration and Enforcement.--
            (1) The commission.--The Commission shall prevent any 
        person from violating this section, and any regulation 
        promulgated thereunder, in the same manner, by the same means, 
        and with the same jurisdiction, powers, and duties as though 
        all applicable terms and provisions of the Federal Trade 
        Commission Act (15 U.S.C. 41 et seq.) were incorporated into 
        and made a part of this Act. Any person who violates such 
        regulation shall be subject to the penalties and entitled to 
        the privileges and immunities provided in the Federal Trade 
        Commission Act (15 U.S.C. 41 et seq.) as though all applicable 
        terms and provisions of the Federal Trade Commission Act (15 
        U.S.C. 41 et seq.) were incorporated into and made a part of 
        this Act. Nothing contained in this Act shall be construed to 
        limit the authority of the Commission under any other provision 
        of law.
            (2) Actions by states.--
                    (A) Civil actions.--In any case in which the 
                attorney general of a State has reason to believe that 
                an interest of the residents of that State has been or 
                is threatened or adversely affected by an act or 
                practice that violates any regulation of the Commission 
                promulgated under subsection (b), the State, as parens 
                patriae, may bring a civil action on behalf of the 
                residents of the State in a district court of the 
                United States of appropriate jurisdiction, to--
                            (i) enjoin that act or practice;
                            (ii) enforce compliance with the 
                        regulation;
                            (iii) obtain civil penalties in an amount 
                        of $11,000 per violation not to exceed a total 
                        of $5,000,000; or
                            (iv) obtain such other legal and equitable 
                        relief as the district court may consider to be 
                        appropriate.
                Before filing an action under this subsection, the 
                attorney general of the State involved shall provide to 
                the Commission and to the Attorney General a written 
                notice of that action and a copy of the complaint for 
                that action. If the State attorney general determines 
                that it is not feasible to provide the notice described 
                in this subparagraph before the filing of the action, 
                the State attorney general shall provide the written 
                notice and the copy of the complaint to the Commission 
                and to the Attorney General as soon after the filing of 
                the complaint as practicable.
                    (B) Commission and attorney general authority.--On 
                receiving notice under subparagraph (A), the Commission 
                and the Attorney General each shall have the right--
                            (i) to move to stay the action, pending the 
                        final disposition of a pending Federal matter 
                        as described in subparagraph (c);
                            (ii) to intervene in an action under clause 
                        (I);
                            (iii) upon so intervening, to be heard on 
                        all matters arising therein; and
                            (iv) to file petitions for appeal.
                    (C) Pending criminal proceedings.--If the Attorney 
                General has instituted a criminal proceeding or the 
                Commission has instituted a civil action for a 
                violation of this Act or any regulations thereunder, no 
                State may, during the pendency of such proceeding or 
                action, bring an action under this section against any 
                defendant named in the criminal proceeding or civil 
                action for any violation of this section that is 
                alleged in that proceeding or action.
                    (D) Rule of construction.--For purposes of bringing 
                any civil action under subparagraph (A), nothing in 
                this Act shall be construed to prevent an attorney 
                general of a State from exercising the powers conferred 
                on the attorney general by the laws of that State to 
                conduct investigations, administer oaths and 
                affirmations, or compel the attendance of witnesses or 
                the production of documentary and other evidence.
                    (E) Venue; service of process.--Any action brought 
                under this section may be brought in any district court 
                of the United States that meets applicable requirements 
                relating to venue under section 1391 of title 28, 
                United States Code. In an action brought under this 
                section, process may be served in any district in which 
                the defendant is an inhabitant or may be found.

SEC. 4. EFFECT ON OTHER LAWS.

    This Act supersedes any provision of a statute, regulation, or rule 
of a State or political subdivision of a State that expressly restricts 
or prohibits the sale or purchase of Social Security numbers in a 
manner consistent with the regulations promulgated under section 3(b).
[EX A]:
Social Security Number Protection Act of 2007 - Amends title II (Old Age, Survivors and Disability Insurance) of the Social Security Act (SSA) to make it unlawful for any person, except in certain circumstances, to: (1) intentionally display the Social Security number of another individual on a website generally accessible to the public or providing an individual with access to another individual's Social Security number through the Internet; (2) require an individual who is a customer of or member associated with such person to use the individual's Social Security number as a password for access to any good or service, including any account or protected access website; or (3) display any individual's Social Security number on any membership or identity card.

 Amends SSA title II to make it unlawful for any person to sell or purchase a Social Security number, without an individual's voluntary written consent, in a manner that violates a regulation promulgated by the Federal Trade Commission (FTC), except in certain circumstances related to law enforcement, national security, public health, or emergency safety and health. Prescribes requirements for such a sale or purchase in other circumstances related to consumer credit verification or specified research.

Requires the Commission to study and report to Congress on the feasibility of banning use of the Social Security number as a primary means of authenticating identity or verifying it for commercial transactions. Requires the study also to examine possible alternatives to Social Security numbers for such purposes and uses.