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 ``National Forest Foundation 
Conservation Act''.

SEC. 2. AMENDMENTS TO NATIONAL FOREST FOUNDATION ACT.

    (a) Provision of Administrative Support.--Subsection (c) of section 
405 of the National Forest Foundation Act (16 U.S.C. 583j-3) is amended 
to read as follows:
    ``(c) Administrative Assistance.--(1) Subject to such limitations, 
terms, and conditions as the Secretary may establish, the Secretary 
may--
            ``(A) detail personnel of the Department of Agriculture to 
        assist the Foundation; and
            ``(B) provide the Foundation with Department of Agriculture 
        facilities, equipment, supplies, and other administrative 
        services (including Government-contracted transportation and 
        travel services).
    ``(2) Assistance under paragraph (1) may be provided for partial or 
no reimbursement, as the Secretary considers appropriate.''.
    (b) Matching Funds.--
            (1) Extension and expansion of authority; source of 
        funds.--Section 410 of the National Forest Foundation Act (16 
        U.S.C. 583j-8) is amended to read as follows:

``SEC. 410. AVAILABILITY OF FUNDS TO MATCH FOUNDATION CONTRIBUTIONS.

    ``For the purposes of section 405 of this title, during the five-
year period beginning on October 1, 1997, the Secretary may make 
available to the Foundation from benefiting Forest Service 
appropriations up to $5,000,000 each fiscal year to match, on a one-
for-one basis, private contributions made to the Foundation.''.
            (2) Conforming amendments.--Section 405 of the National 
        Forest Foundation Act (16 U.S.C. 583j-3) is amended--
                    (A) by striking subsection (a);
                    (B) in subsection (b)--
                            (i) by striking ``In addition to the 
                        startup funds provided under subsection (a) of 
                        this section, for'' and inserting ``For'';
                            (ii) by striking ``October 1, 1992,'' and 
                        inserting ``October 1, 1997,''; and
                            (iii) by striking ``section 410(b)'' and 
                        inserting ``section 410''; and
                    (C) by redesignating subsections (b) and (c) as 
                subsections (a) and (b), respectively.
            (3) Effect of amendments.--The amendments made by this 
        subsection shall not affect the availability or use of funds 
        made available for fiscal year 1997 under sections 405(b) and 
        410(b) of the National Forest Foundation Act, as in effect on 
        the day before the date of the enactment of this Act.
    (c) Use of Interest and Other Investment Income.--Section 404 of 
the National Forest Foundation Act (16 U.S.C. 583j-2) is amended by 
adding at the end the following new subsection:
    ``(f) Use of Interest and Other Investment Income.--Interest and 
other investment income earned (before, on, or after the date of the 
enactment of this subsection) by the Foundation and its subgrantees on 
Federal funds received from the Secretary under section 405, but not 
immediately disbursed, may be used by the Foundation to carry out the 
purposes of the Foundation under section 402(b).''.
    (d) Exception From Audit Reporting and Compliance Requirements.--
Section 407(a) of the National Forest Foundation Act (16 U.S.C. 583j-
5(a)) is amended by adding at the end the following new sentence: ``A 
subgrantee of the Foundation shall be exempt from the audit reporting 
and compliance requirements of Office of Management and Budget Circular 
A-133 (or any successor administrative regulation or policy) in the 
case of grants of $250,000 or less.''.
    (e) Licensing Use of Symbols; Violations.--Section 404 of the 
National Forest Foundation Act (16 U.S.C. 583j-2) is amended--
            (1) in subsection (d)(3), by inserting ``license,'' after 
        ``lease,''; and
            (2) by inserting after subsection (f), as added by 
        subsection (c) of this section, the following new subsections:
    ``(g) Licensing Use of Symbols.--(1) To further the purposes of the 
Foundation under section 402(b), the Foundation shall have exclusive 
authority to license or authorize persons to use trademarks, 
tradenames, signs, symbols, emblems, insignia, logos, likenesses, or 
slogans to represent, promote, or advertise that an individual, 
company, or particular good or service is an official sponsor or 
supporter of the Forest Service, the National Forest System, or any 
unit thereof. Any license or authorization provided by the Foundation 
under this paragraph shall be subject to the prior written approval of 
the Secretary, who may not delegate this authority.
    ``(2) All net income derived from licenses and authorizations 
provided under paragraph (1) shall be expended by the Foundation in 
accordance with policies and priorities of the Forest Service on 
programs, projects, or activities that benefit the National Forest 
System or the Forest Service, as identified by the Secretary in 
consultation with the Foundation.
    ``(3) Nothing in this subsection shall affect the authority of the 
Secretary under Public Law 93-318 (16 U.S.C. 580p et seq.) relating to 
the name and character of `Smokey Bear', and the name and character of 
`Woodsy Owl'.
    ``(4) The authority provided to the Foundation by paragraph (1) 
shall expire on September 30, 2003.
    ``(h) Violation of Licensing Requirements.--Except as provided in 
subsection (g), no person may use for commercial purposes any 
trademark, tradename, sign, symbol, emblem, insignia, slogan, or 
related artistic design belonging to the Forest Service. Whoever, 
without the authorization of the Foundation under subsection (g), uses 
for purposes of trade, to induce the sale of any good or service, to 
promote any commercial activity, or for other commercial purpose, the 
name of the Foundation or any trademark, tradename, sign, symbol, 
emblem, insignia, logo, likeness, or slogan referred to in subsection 
(g), or any facsimile or simulation thereof tending to cause confusion, 
to cause mistake, to deceive, or to suggest falsely that an individual, 
company, or particular good or service is an official sponsor or 
official supporter of the National Forest System or the Forest Service, 
shall be subject to suit in a civil action by the Foundation for the 
remedies provided in title VI of the Act of July 5, 1946 (commonly 
referred to as the Trademark Act of 1946; 15 U.S.C. 1114 et seq.).''.
    (f) Reporting Requirements.--Section 407 of the National Forest 
Foundation Act (16 U.S.C. 583j-5) is amended by adding at the end the 
following new subsection:
    ``(c) Report on Licensing Activities.--Not later than 5 years after 
the date of the enactment of this subsection, the Secretary shall 
submit to the Committee on Resources of the House of Representatives 
and the Committee on Energy and Natural Resources of the Senate a 
report assessing the cost, effectiveness, and effects of the licensing 
and authorization program established pursuant to section 404(g). The 
report shall include a recommendation regarding the desirability of 
extending the authority provided in such section beyond the expiration 
date specified in paragraph (4) of such section and assessments of the 
effect of such program on--
            ``(1) visitation levels in the National Forest System;
            ``(2) the image of the National Forest System;
            ``(3) achievement of the needs and priorities of the Forest 
        Service;
            ``(4) appropriations for the National Forest System; and
            ``(5) the costs of the Foundation and the Secretary to 
        administer the program.''.

Answer: National Forest Foundation Conservation Act - Amends the National Forest Foundation Act to extend matching fund authority for the National Forest Foundation. 
Authorizes the Foundation to license the use of symbols, trademarks, or logos.


Question: SECTION 1. INCLUSION OF ADDITIONAL PORTION OF THE LITTLE SANDY RIVER 
              WATERSHED IN THE BULL RUN WATERSHED MANAGEMENT UNIT, 
              OREGON.

    (a) In General.--Public Law 95-200 (16 U.S.C. 482b note) is amended 
by striking section 1 and inserting the following:

``SECTION 1. ESTABLISHMENT OF SPECIAL RESOURCES MANAGEMENT UNIT; 
              DEFINITION OF SECRETARY.

    ``(a) Establishment.--
            ``(1) In general.--There is established, subject to valid 
        existing rights, a special resources management unit in the 
        State of Oregon comprising approximately 98,272 acres, as 
        depicted on a map dated September, 1998, and entitled `Bull Run 
        Watershed Management Unit'.
            ``(2) Map.--The map described in paragraph (1) shall be on 
        file and available for public inspection in the offices of the 
        Regional Forester-Pacific Northwest Region, Forest Service, 
        Department of Agriculture, and in the offices of the State 
        Director, Bureau of Land Management, Department of the 
        Interior.
            ``(3) Boundary adjustments.--Minor adjustments in the 
        boundaries of the unit may be made from time to time by the 
        Secretary after consultation with the city and appropriate 
        public notice and hearings.
    ``(b) Definition of Secretary.--In this Act, the term `Secretary' 
means--
            ``(1) with respect to land administered by the Secretary of 
        Agriculture, the Secretary of Agriculture; and
            ``(2) with respect to land administered by the Secretary of 
        the Interior, the Secretary of the Interior.''.
    (b) Conforming and Technical Amendments.--
            (1) Secretary.--Public Law 95-200 (16 U.S.C. 482b note) is 
        amended by striking ``Secretary of Agriculture'' each place it 
        appears (except subsection (b) of section 1, as added by 
        subsection (a), and except in the amendments made by paragraph 
        (2)) and inserting ``Secretary''.
            (2) Applicable law.--
                    (A) In general.--Section 2(a) of Public Law 95-200 
                (16 U.S.C. 482b note) is amended by striking 
                ``applicable to National Forest System lands'' and 
                inserting ``applicable to National Forest System land 
                (in the case of land administered by the Secretary of 
                Agriculture) or applicable to land under the 
                administrative jurisdiction of the Bureau of Land 
                Management (in the case of land administered by the 
                Secretary of the Interior)''.
                    (B) Management plans.--The first sentence of 
                section 2(c) of Public Law 95-200 (16 U.S.C. 482b note) 
                is amended--
                            (i) by striking ``subsection (a) or (b)'' 
                        and inserting ``subsections (a) and (b)''; and
                            (ii) by striking ``, through the 
                        maintenance'' and inserting ``(in the case of 
                        land administered by the Secretary of 
                        Agriculture) or section 202 of the Federal Land 
                        Policy and Management Act of 1976 (43 U.S.C. 
                        1712) (in the case of land administered by the 
                        Secretary of the Interior), through the 
                        maintenance''.

SEC. 2. MANAGEMENT.

    (a) Timber Harvesting Restrictions.--Section 2(b) of Public Law 95-
200 (16 U.S.C. 482b note) is amended by striking paragraph (1) and 
inserting the following:
            ``(1) In general.--Subject to paragraph (2), the Secretary 
        shall prohibit the cutting of trees on Federal land in the 
        entire unit, as designated in section 1 and depicted on the map 
        referred to in that section.''.
    (b) Repeal of Management Exception.--The Oregon Resource 
Conservation Act of 1996 (division B of Public Law 104-208) is amended 
by striking section 606 (110 Stat. 3009-543).
    (c) Repeal of Duplicative Enactment.--Section 1026 of division I of 
the Omnibus Parks and Public Lands Management Act of 1996 (Public Law 
104-333; 110 Stat. 4228) and the amendments made by that section are 
repealed.
    (d) Water Rights.--Nothing in this section strengthens, diminishes, 
or has any other effect on water rights held by any person or entity.

SEC. 3. LAND EXCHANGE.

    (a) Land Exchange.--Upon application by the city of Portland, 
Oregon (referred to in this section as the ``city''), the Secretary of 
Agriculture shall enter into negotiations with the city for the 
transfer of National Forest System land underlying the city's Bull Run 
water supply facilities to the city in exchange for city-owned land 
lying within the boundaries of any unit of the National Forest System 
in Oregon or Washington.
    (b) Time for Exchange.--Subject to subsection (c), the Secretary 
shall expedite the negotiations, if the city applies for a land 
exchange under subsection (a), and shall complete such a land exchange 
not later than September 30, 2001.
    (c) Applicability of Other Laws.--Except as provided in subsection 
(d), any land exchange under this section shall be carried out in 
accordance with section 206 of the Federal Land Policy and Management 
Act of 1976 (43 U.S.C. 1716) and other applicable law.
    (d) Exception to Single State Limitation on Exchange.--The 
requirement that Federal and non-Federal parcels of land exchanged for 
each other must be located within the same State, as specified in the 
Act entitled ``An Act to Consolidate National Forest Lands'', approved 
March 20, 1922 (16 U.S.C. 485), and the first sentence of section 
206(b) of the Federal Land Policy and Management Act of 1976 (43 U.S.C. 
1716(b)), shall not apply to the land exchange authorized by this 
section.

Answer: Amends Federal law to reestablish and add acreage to the Bull Run Watershed Management Unit in Oregon. 
Directs the Secretary of Agriculture or the Interior, as applicable, to prohibit the cutting of trees on Federal land in the entire unit. 
Repeals a provision of the:  (1) Oregon Resource Conservation Act of 1996 which requires certain Unit lands that are not contained in the Bull Run River Drainage to be managed in accordance with the law establishing the Unit; and (2) Omnibus Parks and Public Lands Management Act of 1996 regarding the Unit. 
Requires the Secretary of Agriculture:  (1) upon application by the city of Portland, Oregon, to enter into negotiations with the city for the transfer of National Forest System land underlying the city's Bull Run water supply facilities to the city in exchange for city- owned land lying within the boundaries of any unit of the National Forest System in Oregon or Washington; and (2) to expedite the negotiations and complete such land exchange not later than September 30, 2001.


Question: SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Mortgage Fairness Act''.

SEC. 2. COMMUNITY SUPPORT OBLIGATIONS OF MORTGAGE BANKS.

    (a) In General.--Each mortgage bank shall have an ongoing 
responsibility to meet the credit needs of all the communities in which 
such bank makes a significant number of extensions of credit or extends 
a significant amount of credit, including extensions of credit in low- 
and moderate-income neighborhoods of such communities.
    (b) Definitions.--For purposes of this Act, the following 
definitions shall apply:
            (1) Mortgage bank.--The term ``mortgage bank'' means any 
        lender who does not accept deposits and originates housing 
        related loans.
            (2) Office.--The term ``Office'' means the Office of 
        Mortgage Bank and Insurance Supervision established by the 
        Secretary of Housing and Urban Development pursuant to section 
        3.
            (3) Secretary.--The term ``Secretary'' means the Secretary 
        of Housing and Urban Development.

SEC. 3. ESTABLISHMENT OF OFFICE OF MORTGAGE BANK AND INSURANCE 
              SUPERVISION.

    The Secretary of Housing and Urban Development shall establish 
within the Department of Housing and Urban Development an office to be 
known as the Office of Mortgage Bank and Insurance Supervision to 
evaluate the community support performance of mortgage banks and 
mortgage insurance companies.

SEC. 4. MORTGAGE BANK COMMUNITY SUPPORT STATEMENTS.

    (a) In General.--The Office shall, on a biennial basis, require 
each mortgage bank to submit to the Office a community support 
statement, detailing the efforts of such bank at meeting the housing 
credit needs of each community in which the bank makes a significant 
number of extensions of credit or extends a significant amount of 
credit, including extensions of credit in low- and moderate-income 
neighborhoods of such communities.
    (b) Contents.--The statement submitted by each mortgage bank under 
subsection (a) shall include--
            (1) the data required to be maintained and disclosed by the 
        lender under the Home Mortgage Disclosure Act of 1975 for the 
        previous 2 years, in a format which the Office shall establish;
            (2) underwriting criteria employed by the bank for all of 
        the bank's housing loan products;
            (3) descriptions of any activity the bank has undertaken 
        over the period under review to ascertain and meet identified 
        credit needs in low- and moderate-income neighborhoods within 
        communities in which the bank makes a significant number of 
        extensions of credit or extends a significant amount of credit, 
        including any partnerships formed with community-based 
        organizations, nonprofit developers of affordable housing, or 
        agencies of State or local government;
            (4) details of any findings of technical or substantive 
        violations of the Equal Credit Opportunity Act or the Fair 
        Housing Act, and any settlements or judgments arising from any 
        such findings; and
            (5) any other information the Office may require.

SEC. 5. MORTGAGE BANK COMMUNITY SUPPORT EVALUATION.

    The Office shall determine whether a mortgage bank is maintaining 
an adequate community support performance, based on--
            (1) community support performance statements received from 
        mortgage banks;
            (2) an analysis of the data required to be maintained and 
        disclosed by the lender under the Home Mortgage Disclosure Act 
        of 1975 for the previous 2 years with respect to metropolitan 
        statistical areas in which the bank originates a significant 
        number of home loans, which shall emphasize--
                    (A) the institution's market share in neighborhoods 
                of different racial and income characteristics;
                    (B) the number of applications received from 
                minorities and low- and moderate-income persons; and
                    (C) the rate at which the institutions rejects 
                applications from minority and white applicants;
            (3) any evidence of illegal discriminatory credit 
        practices, including prescreening, or offering less favorable 
        loan products to applicants of different racial backgrounds; 
        and
            (4) public comment, which shall be received by the agency 
        for not less than 90 days after the Office actively solicits 
        comment solicitations of comment through notice in the Federal 
        Register and regular communications with community based 
        organizations.

SEC. 6. PENALTIES FOR FINDING OF INADEQUATE COMMUNITY SUPPORT 
              PERFORMANCE BY MORTGAGE BANKS.

    (a) Remedial Action.--If the Secretary finds that a mortgage bank 
is maintaining an inadequate level of community support, the Secretary 
may issue an order--
            (1) requiring the bank to file a community support action 
        plan with the Office not more than 90 days after the finding, 
        which shall include concrete goals and timetables for 
        correcting identified deficiencies; and
            (2) prohibiting the bank from using any program or product 
        administered by the Secretary until all identified deficiencies 
        are met.
    (b) Cease and Desist Orders.--
            (1) Issuance of order.--
                    (A) In general.--If the Secretary determines that 
                there is reasonable cause to believe that a mortgage 
                bank is violating, has violated, or is about to violate 
                an order under subsection (a) or a community support 
                action plan filed pursuant to such an order, the 
                Secretary may issue an order requiring the mortgage 
                bank to--
                            (i) cease and desist from any such 
                        violation; and
                            (ii) take such affirmative action to 
                        prevent the occurrence or the continuance of 
                        such violation as the Secretary determines to 
                        be appropriate.
                    (B) Notice of charges.--An order issued under this 
                paragraph shall include a notice of the charges on 
                which the order is based and a statement of the facts 
                constituting the alleged violation.
                    (C) Effective period.--An order issued under this 
                paragraph shall--
                            (i) become effective upon service to the 
                        mortgagee; and
                            (ii) remain effective and enforceable 
                        pursuant to the terms of the order unless 
                        modified or rescinded by the Secretary or 
                        pursuant to an order of a court under paragraph 
                        (3) or in connection with the court's review of 
                        any administrative proceedings with respect to 
                        the order issued under this subsection.
            (2) Hearing.--Any mortgage bank which receives an order 
        under paragraph (1) shall be afforded an opportunity for a 
        hearing on the record by the Secretary as soon as practicable 
        but not later than 20 days after the order has been served.
            (3) Judicial hearing.--Within 10 days after a mortgage bank 
        has been served with a cease-and-desist order under this 
        subsection, the bank may apply to the United States district 
        court for the judicial district in which the home office of the 
        bank is located, or the United States District Court for the 
        District of Columbia, for an injunction setting aside, 
        limiting, or suspending the enforcement, operation, or 
        effectiveness of such order pending the completion of the 
        administrative proceedings pursuant to the notice of charges 
        served upon the bank, and such court shall have jurisdiction to 
        issue such injunction.
            (4) Judicial enforcement.--The Secretary may apply to the 
        United States district court, or the United States court of any 
        territory, within the jurisdiction of which the home office of 
        the mortgagee is located, for an injunction to enforce any 
        effective and outstanding order issued under this subsection 
        and, if the court determines that there has been a violation or 
        threatened violation of such order, the court shall issue such 
        injunction.
    (c) Civil Money Penalty.--
            (1) Imposition of penalty.--
                    (A) In general.--The Secretary may impose a civil 
                money penalty on any mortgage bank, and any director, 
                officer or employee of a mortgage bank, who violates 
                any order issued under subsection (a) or (b).
                    (B) Amount of penalty.--The amount of the penalty, 
                as determined by the Secretary, may not exceed--
                            (i) in the case of a violation of an order 
                        issued under subsection (a), $10,000 for each 
                        month during which such violation occurs; and
                            (ii) in the case of a violation of an order 
                        issued under subsection (b), $10,000 for each 
                        day during which such violation continues.
                    (C) Notification to attorney general.--Before 
                taking action to impose a civil money penalty for a 
                violation under subparagraph (A), the Secretary shall 
                inform the Attorney General of the United States.
            (2) Assessment.--
                    (A) Written notice.--Any penalty imposed under 
                paragraph (1) may be assessed and collected by the 
                Secretary by written notice.
                    (B) Finality of assessment.--If, with respect to 
                any assessment under subparagraph (A), a hearing is not 
                requested pursuant to paragraph (5) within the period 
                of time allowed under such paragraph, the assessment 
                shall constitute a final and unappealable order.
            (3) Authority to modify or remit penalty.--The Secretary 
        may compromise, modify, or remit any penalty which the 
        Secretary may assess or already has assessed under paragraph 
        (1).
            (4) Mitigating factors.--In determining the amount of a 
        penalty under paragraph (1) with respect to any person, the 
        Secretary shall take into account the appropriateness of the 
        penalty with respect to--
                    (A) the gravity of the offense;
                    (B) any history of previous violations by the 
                person;
                    (C) the ability of the person to pay the penalty;
                    (D) injury to the public;
                    (E) benefits received by the person as a result of 
                the violation;
                    (F) the deterrent effect of the penalty on future 
                violations by such person and other persons; and
                    (G) such other factors as the Secretary may 
                determine in regulations to be appropriate.
            (5) Hearing.--The person against whom a civil money penalty 
        is assessed under paragraph (1) shall be afforded an 
        opportunity for a hearing on the record, if such person submits 
        a request for such hearing within 20 days after the issuance of 
        the notice of the assessment.
            (6) Collection.--
                    (A) Referral.--If any person fails to pay an 
                assessment after any penalty assessed under this 
                subsection has become final, the Secretary shall notify 
                the Attorney General who shall recover the amount 
                assessed in the appropriate United States district 
                court.
                    (B) Appropriateness of penalty not reviewable.--In 
                any civil action under subparagraph (A), the validity 
                and appropriateness of the penalty shall not be subject 
                to review.
            (7) Disbursement.--All penalties collected pursuant to this 
        subsection shall be deposited into the Treasury of the United 
        States.
            (8) Agency procedures--The Secretary shall, by regulation, 
        establish standards and procedures for carrying out this 
        subsection.

SEC. 7. COMMUNITY SUPPORT REQUIREMENTS FOR MORTGAGE INSURANCE 
              COMPANIES.

    (a) In General.--Each mortgage insurance company shall--
            (1) report to the Office the number and total dollar amount 
        of each mortgage insurance policy written by the company, by 
        census tract, the race, gender, and income of applicants for 
        mortgage insurance, and the disposition of each application for 
        mortgage insurance;
            (2) demonstrate to the Secretary adequate support for 
        community credit needs; and
            (3) make public to any person the underwriting criteria for 
        any mortgage insurance the company offers.
    (b) 2-Year Reporting Requirement.--At least once during each 2-year 
period beginning after the date of enactment of this Act, each mortgage 
insurance company shall submit a report to the Office containing the 
following information:
            (1) Adequacy of availability of mortgage insurance.--The 
        extent to which adequate mortgage insurance is available in 
        low- and moderate-income and minority neighborhoods within 
        areas in which the company writes a significant number of 
        mortgage insurance policies.
            (2) Underwriting guidelines.--The extent to which 
        underwriting guidelines used by the company do not unreasonably 
        restrict access to low- and moderate-income families within 
        areas in which the company writes a significant number of 
        mortgage insurance policies.
    (c) Duties of the Office.--The Office shall conduct biennial 
community support reviews of mortgage insurance companies including 
analysis of the following:
            (1) The data collected by the Agency on the distribution of 
        the mortgage insurance company's policies by census tract and 
        data on the disparate treatment of applicants for mortgage 
        insurance based on the applicants' race, gender, and income.
            (2) The underwriting criteria employed by the company and 
        the extent to which such criteria do not unreasonably restrict 
        access to credit for low- and moderate-income and minority 
        persons or neighborhoods.
            (3) Community support statements received from the mortgage 
        insurance company.
            (4) Any other information the Secretary may require 
        mortgage insurance companies to submit.
            (5) Any comments received from the public on the community 
        support performance of the mortgage insurance company during 
        the period covered by the review under this paragraph.
    (d) Duties of the Secretary.--The Secretary shall--
            (1) solicit and accept public comment for no fewer than 90 
        days before issuing a finding in connection with the review of 
        a mortgage insurance company under subsection (c)(2); and
            (2) review the community support performance of each 
        mortgage insurance company and determine whether the company is 
        providing an adequate level of community support in the areas 
        in which such company writes a significant number of mortgage 
        insurance policies.
    (e) Performance Statement.--If, after reviewing any evidence, the 
Secretary concludes that a mortgage insurance company is not meeting 
the requirements of this section, the Secretary may require such 
company to submit a statement indicating how the company expects to 
improve its record of providing community support.

Answer:
Mortgage Fairness Act - Requires each mortgage bank to meet the credit needs of all communities in which it makes a significant number of extensions of credit or extends a significant amount of credit, including extensions of credit in low- and moderate-income communities. 
(Sec. 3) Directs the Secretary of Housing and Urban Development (HUD) to establish within HUD the Office of Mortgage Bank and Insurance Supervision. 
(Sec. 4) Directs the Office, on a biennial basis, to require each mortgage bank to submit to it a community support statement detailing the bank's efforts at meeting the housing credit needs of the above- referenced communities. 
(Sec. 5) Directs the Office to determine whether a mortgage bank is maintaining an adequate community support performance based on specified criteria. 
(Sec. 6) Sets forth certain penalties against a mortgage bank that has been found to be maintaining an inadequate level of community support. 
(Sec. 7) Requires each mortgage insurance company to: (1) report to the Office the total number and total dollar amount of each mortgage insurance policy written by it, by census tract, the race, gender, and income of applicants for mortgage insurance, and the disposition of each application for such insurance; (2) demonstrate to the Secretary adequate support for community credit needs; and (3) make public to any person the underwriting criteria for any mortgage insurance the company offers. 
Requires the Office to conduct biennial community support reviews of mortgage insurance companies.  Authorizes the Secretary to require a mortgage insurance company to submit a statement indicating how it expects to improve its record of providing community support whenever the Secretary concludes that such company is not meeting the requirements of this section.