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Question: SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Services, Education, and 
Rehabilitation for Veterans Act'' or the ``SERV Act''.

SEC. 2. VETERAN'S TREATMENT COURTS.

    (a) Delegation.--The Director of the Office of National Drug 
Control Policy (referred to in this Act as the ``Director'') shall 
delegate the authority to administer the program and other such 
activities necessary to carry out this Act to the Department of 
Justice.
    (b) Grants.--The Attorney General may make grants to States, State 
courts, local courts, units of local government, and Indian tribal 
governments acting directly or through agreements with other public or 
private entities, for the purpose of developing, implementing, or 
enhancing veteran's treatment courts or expanding operational drug 
courts to serve veterans.
    (c) Eligibility.--Grants under this Act shall be made to veteran's 
treatment courts and drug courts serving veterans that effectively 
integrate substance abuse treatment, mental health treatment, mandatory 
drug testing, sanctions and incentives, and transitional services, in a 
judicially supervised court setting with jurisdiction over nonviolent, 
substance-abusing offenders that have served in the United States 
military.

SEC. 3. GRANT AUTHORITY.

    The Attorney General may make grants to States, State courts, local 
courts, units of local government, and Indian tribal governments, 
acting directly or through agreements with other public or private 
entities, for programs that involve--
            (1) continuing judicial supervision over offenders with 
        substance abuse or mental health problems who are not violent 
        offenders and have served in the United States military; and
            (2) the integrated administration of other sanctions and 
        services, which shall include--
                    (A) mandatory periodic testing for the use of 
                controlled substances or other addictive substances 
                during any period of supervised release or probation 
                for each participant;
                    (B) substance abuse and mental health treatment 
                (such as treatment for depression and post-traumatic 
                stress disorder) for each participant;
                    (C) diversion, probation, or other supervised 
                release involving the possibility of prosecution, 
                confinement, or incarceration based on noncompliance 
                with program requirements or failure to show 
                satisfactory progress; and
                    (D) programmatic, offender management, and 
                aftercare services such as relapse prevention, health 
                care, education, vocational training, job placement, 
                housing placement, and child care or other family 
                support services for each participant who requires such 
                services.

SEC. 4. APPLICATIONS.

    (a) In General.--To request a grant under this Act, a State, State 
court, local court, unit of local government, or Indian tribal 
government shall submit an application to the Attorney General in such 
form and containing such information as the Attorney General may 
reasonably require.
    (b) Applications.--In addition to any other requirements that may 
be specified by the Attorney General, an application for a grant under 
this Act shall--
            (1) include a long-term strategy and detailed 
        implementation plan;
            (2) explain the applicant's inability to fund the program 
        adequately without Federal assistance;
            (3) certify that the Federal support provided will be used 
        to supplement, and not supplant, State, Indian tribal, and 
        local sources of funding that would otherwise be available;
            (4) identify related governmental or community initiatives 
        which complement or will be coordinated with the proposal;
            (5) certify that there has been appropriate consultation 
        with all affected agencies, specifically the Department of 
        Veterans Affairs and the Department of Health and Human 
        Services, and that there will be appropriate coordination with 
        all affected agencies in the implementation of the program;
            (6) certify that participating offenders will be supervised 
        by 1 or more designated judges with responsibility for the 
        veteran's treatment court program;
            (7) specify plans for obtaining necessary support and 
        continuing the proposed program following the conclusion of 
        Federal support; and
            (8) describe the methodology that will be used in 
        evaluating the program.
    (c) Certifications.--Each such application shall contain the 
certification that the program for which the grant is requested shall 
meet each of the requirements of this Act.

SEC. 5. FEDERAL SHARE.

    The Federal share of a grant made under this Act may not exceed 75 
percent of the total costs of the program described in the application 
submitted under section 4 for the fiscal year for which the program 
receives assistance under this Act, unless the Attorney General waives, 
wholly or in part, the requirement of a matching contribution under 
this section. In-kind contributions may constitute a portion of the 
non-Federal share of a grant.

SEC. 6. REPORTS AND EVALUATIONS.

    (a) Report to Attorney General and the Director.--For each fiscal 
year, each recipient of a grant under this Act during that fiscal year 
shall submit to the Attorney General, the Director, and the Secretary 
for Veterans Affairs a report regarding the effectiveness of activities 
carried out using that grant. Each report shall include an evaluation 
in such form and containing such information as the Attorney General 
may reasonably require. The Attorney General shall specify the dates on 
which such reports shall be submitted.
    (b) Report to Congress.--The Director, in consultation with the 
Attorney General, shall submit a yearly report on the effectiveness on 
the activities carried out under this Act to the House and Senate 
Committees on the Judiciary and the House and Senate Committees on 
Veterans Affairs.

SEC. 7. DEFINITIONS.

    In this Act:
            (1) Veteran.--The term ``veteran'' means a person who 
        served in the active military, naval, or air service, and who 
        was discharged or released therefrom under conditions other 
        than dishonorable.
            (2) Veteran's treatment court.--The term ``veteran's 
        treatment court'' means a program specifically for veterans 
        that meets the drug court criteria established by the Violent 
        Crime Control and Law Enforcement Act of 1994 (Public Law 103-
        322).
            (3) Violent offender.--The term ``violent offender'' means 
        a person who--
                    (A) is charged with or convicted of an offense, 
                during the course of which offense or conduct--
                            (i) the person carried, possessed, or used 
                        a firearm or dangerous weapon;
                            (ii) there occurred the death of or serious 
                        bodily injury to any person; or
                            (iii) there occurred the use of force 
                        against the person of another, without regard 
                        to whether any of the circumstances described 
                        in clause (i) or (ii) is an element of the 
                        offense or conduct of which or for which the 
                        person is charged or convicted.
                    (B) has 1 or more prior convictions for a felony 
                crime of violence involving the use or attempted use of 
                force against a person with the intent to cause death 
                or serious bodily harm.

SEC. 8. ADMINISTRATION.

    (a) Consultation.--The Attorney General shall consult with the 
Secretary of Veterans Affairs, the Secretary of Health and Human 
Services, and any other appropriate officials in carrying out this Act.
    (b) Regulatory Authority.--
            (1) In general.--The Attorney General may issue regulations 
        and guidelines necessary to carry out this Act.
            (2) Participation limits.--In additional to the general 
        authority provided under paragraph (1), the Attorney General 
        shall--
                    (A) issue regulations and guidelines to ensure that 
                programs authorized in this Act do not permit 
                participation by violent offenders; and
                    (B) immediately suspend funding for any grant under 
                this part, pending compliance, if the Attorney General 
                finds that violent offenders are participating in any 
                program funded under this part.
    (c) Geographic Distribution.--The Attorney General shall ensure 
that, to the extent practicable, an equitable geographic distribution 
of grant awards is made under this Act.

SEC. 9. TECHNICAL ASSISTANCE, TRAINING, AND EVALUATION.

    (a) Technical Assistance and Training.--The Attorney General may 
provide technical assistance and training in furtherance of the 
purposes of this Act.
    (b) Evaluations.--The Attorney General may provide for evaluations 
in furtherance of the purposes of this Act.

SEC. 10. FUNDING FOR THE NATIONAL DRUG COURT INSTITUTE.

    (a) Comprehensive, National Training and Technical Assistance for 
Drug Courts.--The National Drug Court Institute in Alexandria, Virginia 
shall--
            (1) conduct national, comprehensive training programs for 
        State and local communities for the purpose of improving the 
        professional skills of drug court practitioners and enhancing 
        the ability of State and local communities to expand drug 
        courts to reach all addicted citizens in need of their 
        resources; and
            (2) provide national, comprehensive Technical Assistance to 
        adult, juvenile and family dependency drug courts including a 
        combination of information gathering, needs assessment, 
        cultural proficiency, analysis, problem solving, action 
        planning, referral and follow-up.
    (b) Ancillary Projects.--The National Drug Court Institute in 
Alexandria, Virginia shall complete ancillary programs designed to 
facilitate the expansion and improvement of drug courts nationwide 
including--
            (1) a Judicial Task Force to develop a transition plan for 
        new drug court judges;
            (2) a resource center to maintain and distribute drug court 
        evaluations reviewed in the National Drug Court Institute 
        Review, and to request new research and evaluations for the 
        drug court field;
            (3) publishing annually the National Drug Court Institute 
        Review to provide research, analysis, and commentary of 
        importance to the drug court field; and
            (4) searching drug court literature and identify, reprint, 
        and disseminate important and relevant scholarship to the drug 
        court field.
    (c) Authorization of Appropriations.--There are authorized to be 
appropriated to the Attorney General to carry out this section 
$10,000,000 for each of the fiscal years 2009 through 2014 to remain 
available until expended.

SEC. 11. AUTHORIZATION OF APPROPRIATIONS.

    Except for section 10, there are authorized to be appropriated to 
the Director to carry out this Act $25,000,000 for each of fiscal years 
2009 to 2014.

Answer: Services, Education, and Rehabilitation for Veterans Act or the SERV Act - Requires the Director of the Office of National Drug Control Policy to delegate to the Department of Justice (DOJ) the authority to administer the veteran's treatment courts program established by this Act.

Authorizes the Attorney General to make grants to states and other entities: (1) to develop, implement, or enhance veteran's treatment courts or to expand operational drug courts to serve veterans; and (2) for programs that involve continuing judicial supervision over nonviolent offenders with substance abuse or mental health problems who have served in the U.S. military. Requires such programs to include mandatory periodic testing for the use of drugs, substance abuse and mental health treatment, opportunities for diversion, probation, or supervised release, and programmatic, offender management, and aftercare services.

Directs the National Drug Court Institute to conduct national training programs for state and local communities to improve the professional skills of drug court practitioners and provide comprehensive technical assistance to adult, juvenile, and family dependency drug courts.


Question: SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Back to Work Act of 2001''.

SEC. 2. NATIONAL EMERGENCY GRANTS TO RESPOND TO THE TERRORIST ATTACKS 
              OF SEPTEMBER 11, 2001.

    (a) In General.--Section 173(a) of the Workforce Investment Act of 
1998 (29 U.S.C. 2918(a)) is amended--
            (1) in paragraph (2), by striking ``and'' at the end;
            (2) in paragraph (3), by striking the period at the end and 
        inserting ``; and''; and
            (3) by adding at the end the following:
            ``(4) to the Governor of any State who applies for 
        assistance under subsection (f) to provide employment and 
        training assistance to workers affected by major economic 
        dislocations, such as plant closures, mass layoffs, or multiple 
        layoffs, caused by the terrorist attacks of September 11, 
        2001.''.
    (b) Requirements.--Section 173 of the Workforce Investment Act of 
1998 (29 U.S.C. 2918) is amended by adding at the end the following:
    ``(f) Relief for Dislocations Caused by the Terrorist Attacks of 
September 11, 2001.--
            ``(1) Grant recipient eligibility.--To be eligible to 
        receive a grant under subsection (a)(4), a Governor shall 
        submit an application to the Secretary at such time, in such 
        manner, and containing such information as the Secretary may 
        require. Such application shall contain a certification by the 
        Governor that the terrorist attacks of September 11, 2001, 
        contributed importantly to plant closures, mass layoffs of 
        workers, multiple layoffs of workers, or other major economic 
        dislocations in the State.
            ``(2) State administration.--The Governor may designate one 
        or more local workforce investment boards or other entities 
        with the capability to respond to the circumstances relating to 
        the particular closure, layoff, or other dislocation to 
        administer the grant under subsection (a)(4).
            ``(3) Participant eligibility.--
                    ``(A) In general.--An individual shall be eligible 
                to receive assistance described in subparagraph (B) 
                under a grant awarded under subsection (a)(4) if such 
                individual is a dislocated worker and the Governor has 
                certified that the terrorist attacks of September 11, 
                2001, contributed importantly to the dislocation.
                    ``(B) Types of assistance.--Assistance described in 
                this subparagraph is--
                            ``(i) employment and training assistance, 
                        including employment and training activities 
                        described in section 134; and
                            ``(ii) temporary health care coverage 
                        assistance described in paragraph (4).
            ``(4) Temporary health care coverage assistance.--
                    ``(A) In general.--Temporary health care coverage 
                assistance described in this paragraph consists of 
                health care coverage premium assistance provided to 
                qualified individuals under this paragraph.
                    ``(B) Qualified individuals.--For purposes of this 
                paragraph, a qualified individual is an individual 
                who--
                            ``(i) is a dislocated worker referred to in 
                        paragraph (3)(A) with respect to whom the 
                        Governor has made the certification regarding 
                        the dislocation as required under such 
                        paragraph, and
                            ``(ii) has enrolled in a program for health 
                        care coverage premium assistance established by 
                        the Governor for purposes of this paragraph.
                    ``(C) Provision of assistance.--Health care 
                coverage premium assistance provided under the program 
                established by the Governor for purposes of this 
                paragraph--
                            ``(i) shall be not in excess of 75 percent 
                        of the full amount of the premium for the 
                        health care coverage,
                            ``(ii) shall be provided with respect to 
                        not more than the first 10 months of the period 
                        of dislocation of the qualified individual, and
                            ``(iii) shall be credited against the 
                        premium otherwise owed with respect to the 
                        qualified individual.
                    ``(D) Limitation on entitlement.--Nothing in this 
                subsection shall be construed as establishing any 
                entitlement of qualified individuals to premium 
                assistance under this subsection.
                    ``(E) Definitions.--For purposes of this 
                paragraph--
                            ``(i) Health care coverage.--The term 
                        `health care coverage' means health insurance 
                        coverage other than coverage under--
                                    ``(I) title XVIII of the Social 
                                Security Act,
                                    ``(II) title XIX of the Social 
                                Security Act (other than section 1928),
                                    ``(III) title XXI of the Social 
                                Security Act,
                                    ``(IV) chapter 55 of title 10, 
                                United States Code,
                                    ``(V) chapter 17 of title 38, 
                                United States Code,
                                    ``(VI) chapter 89 of title 5, 
                                United States Code (other than coverage 
                                which is comparable to continuation 
                                coverage under section 4980B of the 
                                Internal Revenue Code of 1986), or
                                    ``(VII) the Indian Health Care 
                                Improvement Act.
                        Such term also does not include coverage under 
                        a qualified long-term care insurance contract 
                        and health insurance coverage in the individual 
                        market.
                            ``(ii) Premium.--The term `premium' means, 
                        in connection with health care coverage, the 
                        premium which would (but for this section) be 
                        charged for the cost of coverage.
            ``(5) Authorization of appropriations.--
                    ``(A) In general.--There is authorized to be 
                appropriated $3,000,000,000 for fiscal year 2002 for 
                the award of grants under subsection (a)(4) in 
                accordance with this subsection.
                    ``(B) Availability.--Amounts appropriated pursuant 
                to the authorization of appropriations under 
                subparagraph (A)--
                            ``(i) are in addition to amounts made 
                        available under section 132(a)(2)(A) or any 
                        other provision of law to carry out this 
                        section; and
                            ``(ii) are authorized to remain available 
                        until 18 months after the date of the enactment 
                        of this subsection.''.

SEC. 3. SENSE OF CONGRESS TO PROMOTE SERVICES UNDER THE WORKFORCE 
              INVESTMENT ACT OF 1998.

    (a) Findings.--Congress finds the following:
            (1) In the wake of the terrorist attacks against the United 
        States on September 11, 2001, many workers and their families 
        are dealing with job loss and other effects of an economic 
        slowdown.
            (2) The Workforce Investment Act of 1998 was enacted to 
        create the Nation's coordinated workforce development system, 
        under which assistance is provided for workers who have been 
        laid off, including job training assistance.
            (3) The Workforce Investment Act of 1998 provides services 
        such as--
                    (A) one-stop career centers, which provide 
                integrated resources for job seekers and businesses, 
                including job search, job placement services and job 
                referrals to employers;
                    (B) individual training accounts, which are job 
                training vouchers established by local areas and given 
                to individuals to allow them to choose where they would 
                like to receive their job training; and
                    (C) rapid response services, under which States 
                establish on-site offices at affected businesses to 
                make immediate contact with employees and employers to 
                provide assistance in the areas of job search and 
                training activities.
            (4) The Nation's workforce development system is designed 
        to help individual dislocated workers and provide rapid 
        response services in times of mass layoffs or dislocations.
    (b) Sense of Congress.--It is the sense of Congress that the 
Secretary of Labor should continue efforts to encourage Americans to 
take advantage of existing services under the Workforce Investment Act 
of 1998 in order to assist workers during these times of unemployment.

Answer: Back to Work Act of 2001 - Amends the Workforce Investment Act of 1998 to authorize appropriations to expand the National Emergency Grant program, for an 18-month period, to include grants to States to provide certain employment and training assistance and temporary health care coverage premium assistance for workers affected by major economic dislocations, such as plant closures, mass layoffs, or multiple layoffs, caused by the terrorist attacks of September 11, 2001.Expresses the sense of Congress that the Secretary of Labor should continue efforts to encourage Americans to take advantage of existing services under the Workforce Investment Act of 1998 in order to assist workers during these times of unemployment.


Question: SECTION 1. SHORT TITLE, PURPOSE.

    (a) Short Title.--This Act may be cited as the ``Hurricane Check 
Cashing Relief Act of 2005''.
    (b) Purpose.--The purpose of this Act is to reduce the suffering 
and financial difficulties of victims of 2005 hurricanes--
            (1) whose home insured depository institutions and insured 
        credit unions, or the insured depository institution or insured 
        credit union on which any check or share draft payable to any 
        such victim is drawn, are closed, or whose records are 
        otherwise inaccessible, due to certain 2005 hurricanes;
            (2) who lack access to operating automated teller machines 
        for whatever reason as a result of any such hurricane, 
        including inoperable payment networks;
            (3) who lack some or all of the requisite forms of 
        identification necessary to cash their own or a third-party 
        check or share draft; or
            (4) who are otherwise unable, by reason of any such 
        hurricane, to access amounts on deposit at an insured 
        depository institution or insured credit union.

SEC. 2. EMERGENCY AUTHORITY TO GUARANTEE CHECKS CASHED FOR VICTIMS OF 
              CERTAIN 2005 HURRICANES.

    (a) FDIC.--
            (1) In general.--Subject to subsection (d), the Federal 
        Deposit Insurance Corporation shall establish, in accordance 
        with emergency guidance issued by the Board of Governors of the 
        Federal Reserve System under subsection (d)(1), an emergency 
        program under which an insured depository institution may 
        obtain, subject to subsection (d)(2), a commitment from the 
        Corporation to indemnify the insured depository institution for 
        any loss suffered by the institution through cashing a check or 
        share draft that--
                    (A) is presented for payment by any individual who, 
                as of August 25, 2005, resided in the State of Florida, 
                Alabama, Mississippi, Louisiana, or Texas in an area in 
                which the President, pursuant to section 401 of the 
                Robert T. Stafford Disaster Relief and Emergency 
                Assistance Act, determined, on or after August 25, 
                2005, that a major disaster exists; and
                    (B) is subsequently uncollectible,
        in an amount not to exceed $2,000 for each such check or share 
        draft.
            (2) Source of funds for payments.--Any payments required to 
        be made by the Corporation pursuant to a commitment under 
        paragraph (1) to an insured depository institution shall be 
        drawn from funds available for such purposes under subsection 
        (c).
    (b) NCUA.--
            (1) In general.--Subject to subsection (d), the National 
        Credit Union Administration shall establish, in accordance with 
        emergency guidance issued by the Board under subsection (d)(1), 
        an emergency program under which an insured credit union may 
        obtain, subject to subsection (d)(2), a commitment from the 
        Administration to indemnify the insured credit union for any 
        loss suffered by the credit union through cashing a share draft 
        or check that--
                    (A) is presented for payment by any individual who, 
                as of August 25, 2005, resided in the State of Florida, 
                Alabama, Mississippi, Louisiana, or Texas in an area in 
                which the President, pursuant to section 401 of the 
                Robert T. Stafford Disaster Relief and Emergency 
                Assistance Act, determined, on or after August 25, 
                2005, that a major disaster exists; and
                    (B) is subsequently uncollectible,
        in an amount not to exceed $2,000 for each such check or share 
        draft
            (2) Source of funds for payments.--Any payments required to 
        be made by the National Credit Union Administration pursuant to 
        a commitment under paragraph (1) to an insured credit union 
        shall be drawn from funds available for such purposes under 
        subsection (c).
            (3) Limited extension of check cashing services.--
        Notwithstanding any limitation in section 107(12) of the 
        Federal Credit Union Act with regard to field of membership, an 
        insured credit union may cash any check presented for payment 
        by any individual described in paragraph (1)(A).
    (c) Reimbursement From Federal Reserve Surpluses.--Section 7(b) of 
the Federal Reserve Act (12 U.S.C. 289(b)) is amended by adding at the 
end the following new paragraph:
            ``(4) Additional transfers to cover certain relief efforts 
        resulting from hurricanes of 2005.--
                    ``(A) In general.--Subject to subparagraph (C), 
                from the surplus funds of the Federal reserve banks 
                maintained pursuant to subsection (a)(2), the Federal 
                reserve banks shall transfer to the Board of Governors 
                of the Federal Reserve System for transfer to the 
                Federal Deposit Insurance Corporation and the National 
                Credit Union Administration, such sums as are necessary 
                to meet any payments required under subsection (a)(1) 
                or (b)(1) of section 2 of the Hurricane Check Cashing 
                Relief Act. In the event that the total amount of 
                requests for indemnification received by the Federal 
                Deposit Insurance Corporation and the National Credit 
                Union Administration exceed the maximum amount 
                specified under subparagraph (C), the sums transferred 
                to the Federal Deposit Insurance Corporation and the 
                National Credit Union Administration, respectively, 
                shall be in proportion to the amount of payments 
                required under subsection (a)(1) and (b)(1) of section 
                2 of the Hurricane Check Cashing Relief Act of 2005, 
                respectively.
                    ``(B) Allocation by federal reserve board.--Of the 
                total amount required to be paid by the Federal reserve 
                banks, the Board of Governors of the Federal Reserve 
                System shall determine the amount each such bank shall 
                pay.
                    ``(C) Maximum amount.--The total amount transferred 
                under subparagraph (A) from all Federal reserve banks 
                shall not exceed $200,000,000.
                    ``(D) Replenishment of surplus fund prohibited.--No 
                Federal reserve bank may replenish such bank's surplus 
                fund by the amount of any transfer by such bank under 
                subparagraph (A).''.
    (d) Emergency Guidance and Limitations.--
            (1) In general.--The Board, after consulting the Federal 
        Deposit Insurance Corporation and the National Credit Union 
        Administration, shall, upon the enactment of this Act, promptly 
        issue appropriate guidance--
                    (A) to carry out the purposes of this section and 
                administer the programs established in accordance with 
                this section;
                    (B) to reduce the incidence of fraud and any other 
                cause of loss to the greatest extent possible, 
                consistent with the purpose of this Act;
                    (C) to require insured depository institutions and 
                insured credit unions to exercise due diligence in 
                determining the eligibility of any check presented by 
                any individual for indemnification under this section, 
                including such measures as verification of Social 
                Security numbers and other identifying information as 
                the Board may determine to be practicable;
                    (D) to provide insured depository institutions and 
                insured credit unions with reasonable guidance, in 
                light of the emergency circumstances presented by 
                certain 2005 hurricanes, so as to meet the requirements 
                for indemnification under this section, including the 
                sharing of information on checks that have been 
                presented for indemnification; and
                    (E) notwithstanding any Federal or State law, to 
                provide for the right of the Board of Governors of the 
                Federal Reserve System, on behalf of the Federal 
                reserve banks and through the Federal Deposit Insurance 
                Corporation and the National Credit Union 
                Administration, to recover from any insured depository 
                institution or insured credit union the amount of any 
                indemnification paid to such depository institution or 
                credit union with respect to any check, to the extent 
                of the amount so paid, if the insured depository 
                institution or insured credit union collects on the 
                check.
            (2) Compliance with guidance condition.--The emergency 
        guidance issued under paragraph (1) shall require any insured 
        depository institution or insured credit union seeking a 
        commitment under subsection (a)(1) or (b)(1) to demonstrate 
        that the institution or credit union is in compliance with the 
        guidance in such manner as the Board determines to be 
        appropriate and practicable.
            (3) Per individual per institution limitation.--No specific 
        insured depository institution or insured credit union may be 
        indemnified for losses in excess of $2,000 with respect to 
        checks and share drafts presented by any one individual.
    (e) Definitions.--For purposes of this Act, the following 
definitions shall apply:
            (1) Board.--The term ``Board'' means the Board of Governors 
        of the Federal Reserve System.
            (2) Insured credit union.--The term ``insured credit 
        union'' has the same meaning as in section 101 of the Federal 
        Credit Union Act.
            (3) Insured depository institution.--The term ``insured 
        depository institution'' has the same meaning as in section 3 
        of the Federal Deposit Insurance Act.
    (f) Rule of Construction.--No provision of this section shall be 
construed as affecting any right or obligation of an insured depository 
institution or insured credit union to take any action against any 
person in connection with a fraudulent check, a fraudulent negotiation 
of a check, or any other intentional act of a fraudulent or deceptive 
nature.
    (g) Effective Date.--
            (1) In general.--Subject to paragraph (2), the provisions 
        of this section shall apply to checks or share drafts presented 
        to an insured depository institution or an insured credit union 
        during the period beginning on August 25, 2005, and ending 
        November 15, 2005.
            (2) Limited extension.--The period described in paragraph 
        (2) may be extended once for an additional 60 days if--
                    (A) the Board, after consulting with the Federal 
                Deposit Insurance Corporation and the National Credit 
                Union Administration, determines that the continuing 
                impact of the 2005 hurricane disasters on financial 
                intermediation between consumers and financial 
                institutions, on payment networks, and on other forms 
                of communication require an extension of the programs 
                established under this section in order to continue to 
                meet the immediate needs of victims of the disaster; 
                and
                    (B) notice of such determination is published in 
                the Federal Register at least 5 days before the end of 
                the period described in paragraph (1).

Answer:
Hurricane Check Cashing Relief Act of 2005 - Directs the Federal Deposit Insurance Corporation (FDIC) and the National Credit Union Administration (NCUA) to establish an emergency program under which an insured depository institution may obtain an indemnification commitment from the FDIC for loss it has suffered (up to $2,000 per item) through cashing a check or share draft between August 25 and November 15, 2005, that: (1) is presented for payment by any individual who, as of August 25, 2005, resided in Florida, Alabama, Mississippi, Louisiana, or Texas in a presidentially declared major disaster area; and (2) is subsequently uncollectible.

Amends the Federal Reserve Act to direct the federal reserve banks to transfer from their surplus funds up to $200 million to meet the indemnification requirements of this Act.

Directs the Board of Governors of the Federal Reserve (Board) to issue implementation guidelines.

 Provides for a limited 60-day extension of the check or share draft cashing period if the Board determines that the continuing impact of the 2005 hurricane disasters on financial intermediation between consumers and financial institutions, on payment networks, and on other forms of communication require an extension of the programs established under this Act in order to continue to meet the immediate needs of victims of the disaster.