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

Example Input: SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Improving Access to Mainstream 
Financial Institutions Act of 2008''.

SEC. 2. DEFINITIONS.

    In this Act, the following definitions shall apply:
            (1) Alaska native corporation.--The term ``Alaska Native 
        Corporation'' has the same meaning as the term ``Native 
        Corporation'' under section 3(m) of the Alaska Native Claims 
        Settlement Act (43 U.S.C. 1602(m)).
            (2) Community development financial institution.--The term 
        ``community development financial institution'' has the same 
        meaning as in section 103(5) of the Community Development 
        Banking and Financial Institutions Act of 1994 (12 U.S.C. 
        4702(5)).
            (3) Federally insured depository institution.--The term 
        ``federally insured depository institution'' means any insured 
        depository institution (as that term is defined in section 3 of 
        the Federal Deposit Insurance Act (12 U.S.C. 1813)) and any 
        insured credit union (as that term is defined in section 101 of 
        the Federal Credit Union Act (12 U.S.C. 1752)).
            (4) Labor organization.--The term ``labor organization'' 
        means an organization--
                    (A) in which employees participate;
                    (B) which exists for the purpose, in whole or in 
                part, of dealing with employers concerning grievances, 
                labor disputes, wages, rates of pay, hours of 
                employment, or conditions of work; and
                    (C) which is described in section 501(c)(5) of the 
                Internal Revenue Code of 1986.
            (5) Native hawaiian organization.--The term ``Native 
        Hawaiian organization'' means any organization that--
                    (A) serves and represents the interests of Native 
                Hawaiians; and
                    (B) has as a primary and stated purpose, the 
                provision of services to Native Hawaiians.
            (6) Payday loan.--The term ``payday loan'' means any 
        transaction in which a small cash advance is made to a consumer 
        in exchange for--
                    (A) the personal check or share draft of the 
                consumer, in the amount of the advance plus a fee, 
                where presentment or negotiation of such check or share 
                draft is deferred by agreement of the parties until a 
                designated future date; or
                    (B) the authorization of the consumer to debit the 
                transaction account or share draft account of the 
                consumer, in the amount of the advance plus a fee, 
                where such account will be debited on or after a 
                designated future date.
            (7) Secretary.--The term ``Secretary'' means the Secretary 
        of the Treasury.
            (8) Tribal organization.--The term ``tribal organization'' 
        has the same meaning as in section 4 of the Indian Self-
        Determination and Education Assistance Act (25 U.S.C. 450b).

SEC. 3. EXPANDED ACCESS TO MAINSTREAM FINANCIAL INSTITUTIONS.

    (a) Establishment of Program.--The Secretary is authorized to award 
grants, including multi-year grants, to eligible entities to establish 
an account in a federally insured depository institution for low- and 
moderate-income individuals that currently do not have such an account.
    (b) Eligible Entities.--An entity is eligible to receive a grant 
under this section, if such an entity is--
            (1) an organization described in section 501(c)(3) of the 
        Internal Revenue Code of 1986, and is exempt from taxation 
        under section 501(a) of such Code;
            (2) a federally insured depository institution;
            (3) an agency of a State or local government;
            (4) a community development financial institution;
            (5) an Indian tribal organization;
            (6) an Alaska Native Corporation;
            (7) a Native Hawaiian organization;
            (8) a labor organization; or
            (9) a partnership comprised of 1 or more of the entities 
        described in the preceding subparagraphs.
    (c) Evaluation and Reports to Congress.--For each fiscal year in 
which a grant is awarded under this section, the Secretary shall submit 
a report to Congress containing a description of the activities funded, 
amounts distributed, and measurable results, as appropriate and 
available.

SEC. 4. LOW COST ALTERNATIVES TO PAYDAY LOANS.

    (a) Establishment of Program.--The Secretary is authorized to award 
demonstration project grants (including multi-year grants) to eligible 
entities to provide low-cost, small loans to consumers that will 
provide alternatives to more costly, predatory payday loans.
    (b) Eligible Entities.--An entity is eligible to receive a grant 
under this section if such an entity is--
            (1) an organization described in section 501(c)(3) of the 
        Internal Revenue Code of 1986 and exempt from tax under section 
        501(a) of such Code;
            (2) a federally insured depository institution;
            (3) a community development financial institution; or
            (4) a partnership comprised of 1 or more of the entities 
        described in paragraphs (1) through (3).
    (c) Terms and Conditions.--
            (1) Percentage rate.--For purposes of this section, an 
        eligible entity that is a federally insured depository 
        institution shall be subject to the annual percentage rate 
        promulgated by the National Credit Union Administration's Loan 
        Interest Rates under part 701 of title 12, Code of Federal 
        Regulations (or any successor thereto), in connection with a 
        loan provided to a consumer pursuant to this section.
            (2) Financial literacy and education opportunities.--Each 
        eligible entity awarded a grant under this section shall offer 
        financial literacy and education opportunities, such as 
        relevant counseling services or educational courses, to each 
        consumer provided with a loan pursuant to this section.
    (d) Evaluation and Reports to Congress.--For each fiscal year in 
which a grant is awarded under this section, the Secretary shall submit 
a report to Congress containing a description of the activities funded, 
amounts distributed, and measurable results, as appropriate and 
available.

SEC. 5. PROCEDURAL PROVISIONS.

    (a) Applications.--A person desiring a grant under section 3 or 4 
shall submit an application to the Secretary, in such form and 
containing such information as the Secretary may require.
    (b) Limitation on Administrative Costs.--A recipient of a grant 
under section 3 or 4 may use not more than 6 percent of the total 
amount of such grant in any fiscal year for the administrative costs of 
carrying out the programs funded by such grant in such fiscal year.

SEC. 6. AUTHORIZATION OF APPROPRIATIONS.

    There are authorized to be appropriated to the Secretary, such sums 
as are necessary to carry out the grant programs authorized by this 
Act, to remain available until expended.

SEC. 7. REGULATIONS.

    The Secretary is authorized to promulgate regulations to implement 
and administer the grant programs authorized by this Act.
Example Output: Improving Access to Mainstream Financial Institutions Act of 2008 - Authorizes the Secretary of the Treasury to award grants, including multi-year grants, to specified eligible entities to establish an account in a federally insured depository institution for low- and moderate-income individuals who currently do not have such an account. Includes among such eligible entities: (1) Alaska Native Corporations; (2) Native Hawaiian organizations; and (3) labor organizations.

Authorizes the Secretary to award demonstration project grants to eligible entities to provide low-cost, small loans to consumers that will provide alternatives to more costly, predatory payday loans. Requires such entities to be: (1) tax-exempt charitable organizations; (2) federally insured depository institutions; (3) community development financial institutions; or (4) partnerships comprised of one or more of such entities. Requires grant recipients to offer financial literacy and education opportunities to each consumer provided with a loan pursuant to this Act.

Example Input: SECTION 1. TEACHER RECRUITMENT, RETENTION, AND TRAINING.

    (a) In General.--Title II of the Elementary and Secondary Education 
Act of 1965 (20 U.S.C. 6601 et seq.) is amended--
            (1) by redesignating part E as part F;
            (2) by redesignating sections 2401 and 2402 as sections 
        2501 and 2502, respectively; and
            (3) by inserting after part D the following:

         ``PART E--TEACHER RECRUITMENT, RETENTION, AND TRAINING

``SEC. 2401. PROGRAM AUTHORIZED.

    ``(a) In General.--The Secretary is authorized to make grants to 
local educational agencies to permit such agencies to recruit, retain, 
and train high-quality teachers by carrying out one or more of the 
activities described in subsection (b).
    ``(b) Uses of Funds.--
            ``(1) Recruitment, retention, and training activities.--A 
        local educational agency that receives a grant under this part 
        may use the grant funds for any of the following recruitment, 
        retention, and training activities:
                    ``(A) Providing signing bonuses for teachers.
                    ``(B) Carrying out merit pay programs.
                    ``(C) Providing performance bonuses to teachers.
                    ``(D) Providing scholarships to teachers to pursue 
                advanced course work.
                    ``(E) Providing mentoring programs for teachers.
                    ``(F) Coordinating with institutions of higher 
                education to provide professional development for 
                teachers.
                    ``(G) Any other activity that the local educational 
                agency believes to be effective in recruiting, 
                retaining, or training high-quality teachers.

``SEC. 2402. AUTHORIZATION OF APPROPRIATIONS.

    There are authorized to be appropriated to carry out this part such 
sums as may be necessary for each of fiscal years 2002 through 2004.''.
    (b) Conforming Amendments.--Section 2003 of the Elementary and 
Secondary Education Act of 1965 (20 U.S.C. 6603) is amended--
            (1) in subsection (a), by striking ``part C)'' and 
        inserting ``parts C and E)''; and
            (2) in subsection (b), by inserting ``(other than parts C 
        and E)'' after ``title''.

SEC. 2. LOAN FORGIVENESS FOR TEACHERS.

    (a) Elimination of New Borrower Restrictions.--
            (1) FFEL program.--Section 428J(b) of the Higher Education 
        Act of 1965 (20 U.S.C. 1078-10(b)) is amended by striking ``for 
        any new borrower on or after October 1, 1998, who'' and 
        inserting ``for any borrower who''.
            (2) Federal direct loan program.--Section 460(b)(1) of such 
        Act (20 U.S.C. 1087j(b)(1)) is amended by striking ``for any 
        new borrower on or after October 1, 1998, who'' and inserting 
        ``for any borrower who''.
    (b) Expansion of Eligible Teaching Locations and Subjects; 
Eliminating Delay in Service Benefit.--
            (1) FFEL program.--Section 428J(b)(1) of such Act is 
        amended by striking everything preceding subparagraph (B) and 
        inserting the following:
            ``(1) has been employed as a full-time teacher--
                    ``(A)(i) in a school that qualifies under section 
                465(a)(2)(A) for loan cancellation for Perkins loan 
                recipients who teach in such schools;
                    ``(ii) as a full-time special education teacher, as 
                described in section 465(a)(2)(C); or
                    ``(iii) as a full-time teacher in any field of 
                expertise where the State educational agency determines 
                there is a shortage of qualified teachers;''.
            (2) Federal direct loan program.--Section 460(b)(1)(A) of 
        such Act (20 U.S.C. 1087j(b)(1)(A)) is amended by striking 
        everything preceding clause (ii) and inserting the following:
                    ``(A) has been employed as a full-time teacher--
                            ``(i)(I) in a school that qualifies under 
                        section 465(a)(2)(A) for loan cancellation for 
                        Perkins loan recipients who teach in such 
                        schools;
                            ``(II) as a full-time special education 
                        teacher, as described in section 465(a)(2)(C); 
                        or
                            ``(III) as a full-time teacher in any field 
                        of expertise where the State educational agency 
                        determines there is a shortage of qualified 
                        teachers;''.
    (c) Amounts Subject to Forgiveness.--
            (1) FFEL program.--Section 428J(c) of the Higher Education 
        Act of 1965 (20 U.S.C. 1078-10(c)) is amended by striking 
        paragraph (1) and inserting the following:
            ``(1) Amount and rate of repayment.--The Secretary shall 
        repay an amount that is not more than $20,000 in the aggregate 
        of the loan obligation on a loan made under section 428 or 428H 
        that is outstanding after the completion of the first complete 
        school year of teaching described in subsection (b)(1) for 
        which the borrower seeks repayment under this section. Such 
        amount shall be repaid at the rate of 15 percent for the first 
        or second year of such service, 20 percent for the third or 
        fourth year of such service, and 30 percent for the fifth year 
        of such service. No borrower may receive a reduction of loan 
        obligations under both this section and section 460.''.
            (2) Federal direct loan program.--Section 460(c) of such 
        Act (20 U.S.C. 1087j(c)) is amended by striking paragraph (1) 
        and inserting the following:
            ``(1) Amount and rate of repayment.--The Secretary shall 
        cancel an amount that is not more than $20,000 in the aggregate 
        of the loan obligation on a loan made under section 428 or 428H 
        that is outstanding after the completion of the first complete 
        school year of teaching described in subsection (b)(1)(A). Such 
        amount shall be canceled at the rate of 15 percent for the 
        first or second year of such service, 20 percent for the third 
        or fourth year of such service, and 30 percent for the fifth 
        year of such service.''.
Example Output: Amends the Elementary and Secondary Education Act of 1965 to establish a new program for teacher recruitment, retention, and training. Authorizes the Secretary of Education to award grants to local educational agencies to recruit, retain, and train high-quality teachers through one or more specified types of activities.Amends the Higher Education Act of 1965 to revise student loan forgiveness for teachers under the Federal Family Education Loan and Federal Direct Loan programs. Expands forgiveness eligibility by: (1) eliminating requirements allowing only certain new borrowers to participate; and (2) increasing the types of eligible teaching locations and subjects. Eliminates a service requirement that an individual teach at least five consecutive complete school years before being eligible for program benefits. Increases to $20,000 the aggregate amount of an individual teacher's student loan obligation which may be forgiven, and revises the rate of repayment.

Example Input: SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Putting Drug Free Families First Act 
of 2011''.

SEC. 2. DRUG TESTING PROGRAM FOR APPLICANTS FOR AND RECIPIENTS OF 
              ASSISTANCE UNDER STATE TANF PROGRAMS.

    (a) Requirement That Applicants and Individuals Receiving 
Assistance Be Tested for Illegal Drug Use.--Section 408(a) of the 
Social Security Act (42 U.S.C. 608(a)) is amended by adding at the end 
the following:
            ``(12) Requirement for drug testing; denial of assistance 
        for individuals found to have used an illegal drug.--
                    ``(A) In general.--A State to which a grant is made 
                under section 403 may not use any part of the grant to 
                provide assistance under the State program funded under 
                this part to an individual unless the individual is 
                tested for the use of the drugs listed in subparagraph 
                (B)(i)--
                            ``(i) if the individual has applied for 
                        such assistance and the application has not 
                        been approved, before the receipt of such 
                        assistance; and
                            ``(ii) in any other case, before the end of 
                        the 3-month period that begins on the date of 
                        the enactment of this paragraph.
                    ``(B) Drugs to be included in testing.--
                            ``(i) In general.--In conducting drug 
                        testing pursuant to subparagraph (A), the State 
                        shall test for each of the following:
                                    ``(I) Marijuana.
                                    ``(II) Cocaine.
                                    ``(III) Opiates.
                                    ``(IV) Amphetamines.
                                    ``(V) Methamphetamine.
                                    ``(VI) Phencyclidine.
                                    ``(VII) Heroin.
                                    ``(VIII) Lysergic acid 
                                diethylamide.
                                    ``(IX) 3,4-methylenedioxy 
                                amphetamine.
                            ``(ii) Exception for prescription use of 
                        drugs.--A positive test for a drug listed in 
                        clause (i) shall be disregarded for purposes of 
                        this paragraph if such drug was used pursuant 
                        to a valid prescription or as otherwise 
                        authorized by law.
                    ``(C) Denial of assistance for individuals who test 
                positive for an illegal drug.--
                            ``(i) In general.--Except as provided in 
                        subparagraph (D), if an individual tests 
                        positive pursuant to subparagraph (A) for the 
                        use of any drug listed in subparagraph (B)(i), 
                        the State may not provide assistance under the 
                        State program funded under this part to such 
                        individual unless--
                                    ``(I) a 1-year (or, if the 
                                individual has so tested positive for 
                                the 2nd time, 3-year) period has 
                                elapsed since the results of the test 
                                were determined; and
                                    ``(II) the individual tests 
                                negative for the use of each drug 
                                listed in subparagraph (B)(i) at the 
                                end of such period.
                            ``(ii) Permanent ineligibility after third 
                        positive test result.--If an individual tests 
                        positive pursuant to subparagraph (A) for the 
                        third time for the use of any drug listed in 
                        subparagraph (B)(i), the State shall treat such 
                        individual as permanently ineligible for 
                        assistance under the State program funded under 
                        this part.
                    ``(D) Rehabilitation exception after first positive 
                test result.--In the case of an individual who tests 
                positive pursuant to subparagraph (A) for the first 
                time for the use of any drug listed in subparagraph 
                (B)(i), the period for which assistance may not be 
                provided to an individual by reason of subparagraph 
                (C)(i) shall be 180 days if the State determines that 
                the individual--
                            ``(i) has successfully completed a drug 
                        rehabilitation or treatment program for the 
                        drug for which the individual tested positive; 
                        and
                            ``(ii) tests negative for the use of such 
                        drug at the end of such 180-day period.
                    ``(E) Payment of costs.--The State shall require 
                each individual who applies for assistance under the 
                State program funded under this part to pay the portion 
                of the cost of the drug testing pursuant to 
                subparagraph (A) that pertains to such individual. If 
                such individual tests negative for the use of each drug 
                listed in subparagraph (B)(i) and the State provides 
                assistance under the State program funded under this 
                part to the individual, the State shall increase the 
                first payment of such assistance in an amount equal to 
                the amount paid by the individual under this 
                subparagraph for the drug testing.
                    ``(F) Designee for child beneficiary.--In the case 
                of a parent of a minor child, if such parent tests 
                positive pursuant to subparagraph (A) for the use of 
                any drug listed in subparagraph (B)(i), the State shall 
                designate an individual other than such parent to 
                receive payments for assistance under the State program 
                funded under this part on behalf of the minor child. 
                The State may not so designate an individual unless the 
                individual has been tested for the use of each drug 
                listed in subparagraph (B)(i) and did not test 
                positive.
                    ``(G) Definition of drug rehabilitation or 
                treatment program.--In this paragraph, the term `drug 
                rehabilitation or treatment program' means a program 
                that--
                            ``(i) has been determined by the State to 
                        provide rehabilitation or treatment for the use 
                        of an illegal drug; and
                            ``(ii) complies with all applicable 
                        Federal, State, and local laws and 
                        regulations.''.
    (b) Penalty for Failure To Implement Illegal Drug Use Testing 
Program.--Section 409(a) of the Social Security Act (42 U.S.C. 609(a)) 
is amended by adding at the end the following:
            ``(16) Penalty for failure to implement illegal drug use 
        testing program.--If the Secretary determines that a State to 
        which a grant is made under section 403 in a fiscal year has 
        violated section 408(a)(12) during the fiscal year, the 
        Secretary shall reduce the grant payable to the State under 
        section 403(a)(1) for the immediately succeeding fiscal year by 
        an amount equal to 10 percent of the State family assistance 
        grant.''.
    (c) Effective Date.--The amendments made by this section shall take 
effect on the 1st day of the 1st calendar quarter that begins on or 
after the date that is 1 year after the date of the enactment of this 
Act.
Example Output:
Putting Drug Free Families First Act of 2011 - Amends part A (Temporary Assistance for Needy Families) (TANF) of title IV of the Social Security Act to require states to test applicants for and recipients of assistance under state TANF programs for illegal drug use. Prohibits a state from providing TANF assistance to individuals who test positive for an illegal drug.

Prescribes an administrative penalty for failure to implement illegal drug use testing.