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

[EX Q]: SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Balancing the Rights Of Web Surfers 
Equally and Responsibly Act of 2017'' or the ``BROWSER Act of 2017''.

SEC. 2. NOTICE OF PRIVACY POLICIES.

    (a) In General.--A provider of a covered service shall provide the 
users of the service with notice of the privacy policies of the 
provider with respect to the service. Such notice shall be clear and 
conspicuous.
    (b) Availability to Prospective Users.--The notice required by 
subsection (a) shall be made available to prospective users--
            (1) at the point of sale of, subscription to, or 
        establishment of an account for the covered service, prior to 
        such sale, subscription, or establishment, whether such point 
        of sale, subscription, or establishment is in person, online, 
        over the telephone, or through another means; or
            (2) if there is no such sale, subscription, or 
        establishment, before the user uses the service.
    (c) Persistent Availability.--The notice required by subsection (a) 
shall be made persistently available.
    (d) Material Changes.--A provider of a covered service shall 
provide users with advance notice of any material change to the privacy 
policies of the provider. The notice required by this subsection shall 
be clear and conspicuous.

SEC. 3. USER OPT-IN OR OPT-OUT APPROVAL RIGHTS BASED ON SENSITIVITY OF 
              INFORMATION.

    (a) Opt-In Approval Required for Sensitive User Information.--
Except as provided in subsection (c), a provider of a covered service 
shall obtain opt-in approval from a user to use, disclose, or permit 
access to the sensitive user information of the user.
    (b) Opt-Out Approval Required for Non-Sensitive User Information.--
Except as provided in subsection (c)--
            (1) a provider of a covered service shall obtain opt-out 
        approval from a user to use, disclose, or permit access to any 
        of the non-sensitive user information of the user; or
            (2) if the provider so chooses, the provider may comply 
        with the requirement of paragraph (1) by obtaining opt-in 
        approval from the user to use, disclose, or permit access to 
        any such non-sensitive user information.
    (c) Limitations and Exceptions.--A provider of a covered service 
may use, disclose, or permit access to user information without user 
approval for the following purposes:
            (1) In providing the covered service from which such 
        information is derived, or in providing services necessary to, 
        or used in, the provision of such service.
            (2) To initiate, render, bill, and collect for the covered 
        service.
            (3) To protect the rights or property of the provider, or 
        to protect users of the covered service and other service 
        providers from fraudulent, abusive, or unlawful use of the 
        service.
            (4) To provide location information or non-sensitive user 
        information--
                    (A) to a public safety answering point, emergency 
                medical service provider or emergency dispatch 
                provider, public safety, fire service, or law 
                enforcement official, or hospital emergency or trauma 
                care facility, in order to respond to the request of 
                the user for emergency services;
                    (B) to inform the legal guardian of the user, or 
                members of the immediate family of the user, of the 
                location of the user in an emergency situation that 
                involves the risk of death or serious physical harm; or
                    (C) to providers of information or database 
                management services solely for purposes of assisting in 
                the delivery of emergency services in response to an 
                emergency.
            (5) As otherwise required or authorized by law.
    (d) Mechanism for Exercising User Approval.--
            (1) In general.--A provider of a covered service shall make 
        available a simple, easy-to-use mechanism for users to grant, 
        deny, or withdraw opt-in approval or opt-out approval at any 
        time.
            (2) Form and manner.--The mechanism required by paragraph 
        (1) shall be--
                    (A) clear and conspicuous; and
                    (B) made available--
                            (i) at no additional cost to the user; and
                            (ii) in a language other than English, if 
                        the provider transacts business with the user 
                        in such other language.
            (3) Effect.--The grant, denial, or withdrawal of opt-in 
        approval or opt-out approval by a user shall--
                    (A) be given effect promptly; and
                    (B) remain in effect until the user revokes or 
                limits such grant, denial, or withdrawal of approval.

SEC. 4. SERVICE OFFERS CONDITIONED ON WAIVERS OF PRIVACY RIGHTS.

    A provider of a covered service may not--
            (1) condition, or effectively condition, provision of such 
        service on agreement by a user to waive privacy rights 
        guaranteed by law or regulation, including this Act; or
            (2) terminate such service or otherwise refuse to provide 
        such service as a direct or indirect consequence of the refusal 
        of a user to waive any such privacy rights.

SEC. 5. ENFORCEMENT BY FEDERAL TRADE COMMISSION.

    (a) General Application.--The requirements of this Act apply, 
according to their terms, to--
            (1) those persons, partnerships, and corporations over 
        which the Commission has authority pursuant to section 5(a)(2) 
        of the Federal Trade Commission Act (15 U.S.C. 45(a)(2)); and
            (2) providers of broadband internet access service, 
        notwithstanding the exception in such section for common 
        carriers subject to the Communications Act of 1934 (47 U.S.C. 
        151 et seq.).
    (b) Unfair or Deceptive Acts or Practices.--A violation of this Act 
shall be treated as an unfair or deceptive act or practice in or 
affecting commerce for purposes of section 5(a)(2) of the Federal Trade 
Commission Act (15 U.S.C. 45(a)(2)).
    (c) Powers of Commission.--Except as provided in subsection (a)(2) 
of this section--
            (1) the Commission shall enforce this Act in the same 
        manner, by the same means, and with the same jurisdiction, 
        powers, and duties as though all applicable terms and 
        provisions of the Federal Trade Commission Act (15 U.S.C. 41 et 
        seq.) were incorporated into and made a part of this Act; and
            (2) any person who violates this Act shall be subject to 
        the penalties and entitled to the privileges and immunities 
        provided in the Federal Trade Commission Act.

SEC. 6. DEFINITIONS.

    In this Act:
            (1) Broadband internet access service.--
                    (A) In general.--The term ``broadband internet 
                access service'' means a mass-market retail service by 
                wire or radio that provides the capability to transmit 
                data to and receive data from all or substantially all 
                internet endpoints, including any capabilities that are 
                incidental to and enable the operation of the 
                communications service, but excluding dial-up internet 
                access service.
                    (B) Functional equivalent; evasion.--Such term also 
                includes any service that--
                            (i) the Commission finds to be providing a 
                        functional equivalent of the service described 
                        in subparagraph (A); or
                            (ii) is used to evade the protections set 
                        forth in this Act.
            (2) Commission.--The term ``Commission'' means the Federal 
        Trade Commission.
            (3) Covered service.--The term ``covered service'' means--
                    (A) broadband internet access service; or
                    (B) an edge service.
            (4) Edge service.--The term ``edge service''--
                    (A) means a service provided over the internet--
                            (i) for which the provider requires the 
                        user to subscribe or establish an account in 
                        order to use the service;
                            (ii) that the user purchases from the 
                        provider of the service without a subscription 
                        or account;
                            (iii) by which a program searches for and 
                        identifies items in a database that correspond 
                        to keywords or characters specified by the 
                        user, used especially for finding particular 
                        sites on the World Wide Web; or
                            (iv) by which the user divulges sensitive 
                        user information; and
                    (B) includes a service described in subparagraph 
                (A) that is provided through a software program, 
                including a mobile application.
            (5) Emergency services.--The term ``emergency services'' 
        has the meaning given such term in section 222 of the 
        Communications Act of 1934 (47 U.S.C. 222).
            (6) Material.--The term ``material'' means, with respect to 
        a change in a privacy policy of a provider of a covered 
        service, any change in such policy that a user of the service, 
        acting reasonably under the circumstances, would consider 
        important to the decisions of the user regarding the privacy of 
        the user, including any change to information required to be 
        included in a privacy notice under section 2.
            (7) Mobile application.--The term ``mobile application'' 
        means a software program that runs on the operating system of a 
        mobile device.
            (8) Non-sensitive user information.--The term ``non-
        sensitive user information'' means any user information that is 
        not sensitive user information.
            (9) Opt-in approval.--The term ``opt-in approval'' means a 
        method for obtaining from a user of a covered service consent 
        to use, disclose, or permit access to sensitive user 
        information under which the provider of the service obtains 
        express consent allowing the requested usage, disclosure, or 
        access to the sensitive user information.
            (10) Opt-out approval.--The term ``opt-out approval'' means 
        a method for obtaining from a user of a covered service consent 
        to use, disclose, or permit access to non-sensitive user 
        information under which the user is deemed to have consented to 
        the use, disclosure, or access to the non-sensitive user 
        information if the user has failed to object to such use, 
        disclosure, or access.
            (11) Public safety answering point.--The term ``public 
        safety answering point'' has the meaning given such term in 
        section 222 of the Communications Act of 1934 (47 U.S.C. 222).
            (12) Sensitive user information.--The term ``sensitive user 
        information'' includes any of the following:
                    (A) Financial information.
                    (B) Health information.
                    (C) Information pertaining to children under the 
                age of 13.
                    (D) Social Security number.
                    (E) Precise geo-location information.
                    (F) Content of communications.
                    (G) Web browsing history, history of usage of a 
                software program (including a mobile application), and 
                the functional equivalents of either.
            (13) State.--The term ``State'' means each of the several 
        States, the District of Columbia, the Commonwealth of Puerto 
        Rico, Guam, American Samoa, the Virgin Islands of the United 
        States, the Commonwealth of the Northern Mariana Islands, any 
        other territory or possession of the United States, and each 
        federally recognized Indian Tribe.
            (14) User.--The term ``user'' means, with respect to a 
        covered service, a person who--
                    (A) is a current or former--
                            (i) subscriber to such service; or
                            (ii) holder of an account for such service;
                    (B) purchases such service without a subscription 
                or account;
                    (C) is an applicant for such service; or
                    (D) in the case of a service described in clause 
                (iii) or (iv) of paragraph (4)(A), uses the service.
            (15) User information.--The term ``user information'' means 
        any information that--
                    (A) a provider of a covered service acquires in 
                connection with the provision of such service; and
                    (B) is linked or reasonably linkable to an 
                individual.

SEC. 7. RELATIONSHIP TO OTHER LAW.

    (a) Preemption of State Law.--No State or political subdivision of 
a State shall, with respect to a provider of a covered service subject 
to this Act, adopt, maintain, enforce, or impose or continue in effect 
any law, rule, regulation, duty, requirement, standard, or other 
provision having the force and effect of law relating to or with 
respect to the privacy of user information.
    (b) Other Federal Law.--
            (1) In general.--Except as provided in paragraph (2), 
        nothing in this Act shall be construed to supercede any other 
        Federal statute or regulation relating to information privacy.
            (2) Communications act of 1934.--Insofar as any provision 
        of the Communications Act of 1934 (47 U.S.C. 151 et seq.) or 
        any regulations promulgated under such Act apply to any person, 
        partnership, or corporation subject to this Act with respect to 
        privacy policies, terms of service, and practices covered by 
        this Act, such provision of the Communications Act of 1934 or 
        such regulations shall have no force or effect, unless such 
        regulations pertain to emergency services.
[EX A]: Balancing the Rights Of Web Surfers Equally and Responsibly Act of 2017 or the BROWSER Act of 2017 This bill authorizes the Federal Trade Commission to enforce information privacy protections that require broadband Internet access services and certain websites or mobile applications providing subscription, account, purchase, or search engine services to allow users to opt-in or opt-out of the use, disclosure, or access to their user information depending on the sensitivity of the information.  Opt-in approval through the user's express consent must be obtained for the use of sensitive information that is:   financial information, health information, about children under 13, Social Security numbers, precise geo-location information, content of communications, web browsing history, or  history of usage of a software program or mobile application.  Opt-out approval must be provided for the use of non-sensitive user information under a method in which users are deemed to have consented if they fail to object after being provided notice of privacy policies. The bill allows a service provider to use information without approval for specified purposes, including for services necessary for provision of the service and to initiate, render, bill, and collect for the service. Service providers must allow users to grant, deny, or withdraw approval at any time.  The bill prohibits providers from conditioning service on a user's agreement to waive privacy rights.

[EX Q]: SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Electronic Warfare Capabilities 
Enhancement Act of 2016''.

SEC. 2. FIELDING OF ELECTROMAGNETIC SPECTRUM WARFARE SYSTEMS AND 
              ELECTRONIC WARFARE CAPABILITIES.

    Funds authorized to be appropriated for electromagnetic spectrum 
warfare systems and electronic warfare may be used for the development 
and fielding of electromagnetic spectrum warfare systems and electronic 
warfare capabilities.

SEC. 3. INCLUSION OF ELECTRONIC WARFARE PROGRAMS IN THE RAPID 
              ACQUISITION AUTHORITY PROGRAM.

    (a) In General.--Section 806(c)(1) of the Bob Stump National 
Defense Authorization Act for Fiscal Year 2003 (Public Law 107-314; 10 
U.S.C. 2302 note) is amended by adding at the end the following new 
subparagraph:
            ``(D)(i) In the case of any supplies and associated support 
        services that, as determined in writing by the Secretary of 
        Defense without delegation, are urgently needed to eliminate a 
        deficiency in electronic warfare that if left unfilled is 
        likely to result in critical mission failure, the loss of life, 
        property destruction, or economic effects, the Secretary may 
        use the procedures developed under this section in order to 
        accomplish the rapid acquisition and deployment of needed 
        offensive or defensive electronic warfare capabilities, 
        supplies, and associated support services.
            ``(ii) The Secretary of Defense shall ensure, to the extent 
        practicable, that for the purposes of electronic warfare 
        acquisition, the Department of Defense shall consider use of 
        the following procedures:
                    ``(I) The rapid acquisition authority provided 
                under this section.
                    ``(II) Use of other transactions authority provided 
                under section 2371 of title 10, United States Code.
                    ``(III) The acquisition of commercial items using 
                simplified acquisition procedures.
                    ``(IV) The authority for procurement for 
                experimental purposes provided under section 2373 of 
                title 10, United States Code.
            ``(iii) In this subparagraph, the term `electronic warfare' 
        means military action involving the use of electromagnetic and 
        directed energy to control the electromagnetic spectrum or to 
        attack the enemy, and includes electromagnetic spectrum 
        warfare, which encompasses military communications and sensing 
        operations that occur in the electromagnetic operational 
        domain.''.
    (b) Conforming Amendments.--Section 2373 of title 10, United States 
Code, is amended--
            (1) in subsection (a), by striking ``and aeronautical 
        supplies'' and inserting ``, aeronautical supplies, and 
        electronic warfare''; and
            (2) by adding at the end of the following new subsection:
    ``(c) Electronic Warfare Defined.--The term `electronic warfare' 
means military action involving the use of electromagnetic and directed 
energy to control the electromagnetic spectrum or to attack the enemy, 
and includes electromagnetic spectrum warfare, which encompasses 
military communications and sensing operations that occur in the 
electromagnetic operational domain.''.

SEC. 4. AUTHORITY TO WAIVE THE JOINT REQUIREMENTS OVERSIGHT COUNCIL 
              (JROC) FOR CERTAIN ELECTRONIC WARFARE PROGRAMS.

    (a) Alternate Review.--The Secretary of Defense shall delegate to 
the Office of the Secretary of Defense's senior electronic warfare 
executive the authority to review and validate all Joint Capabilities 
Integration and Development System documents for electronic warfare 
acquisition programs notwithstanding section 181 of title 10, United 
States Code.
    (b) JROC Appeal.--The Joint Requirements Oversight Council may 
appeal to the Office of the Secretary of Defense to review any program 
through the normal Joint Capabilities Integration and Development 
System process.

SEC. 5. ELECTRONIC WARFARE EXECUTIVE COMMITTEE REPORTS TO CONGRESS.

    (a) In General.--Not later than 270 days after the date of the 
enactment of this Act, the Electronic Warfare Executive Committee shall 
submit to the congressional defense committees a strategic plan with 
measurable and timely objectives to achieve its mission according to 
the following metrics:
            (1) Progress on intra-service ground and air 
        interoperabilities.
            (2) Progress in streamlining the requirements, acquisition, 
        and budget process to further a rapid electronic warfare 
        acquisition process.
            (3) The efficiency and effectiveness of the acquisition 
        process for priority electronic warfare items.
            (4) The training methods and requirements of the military 
        services for training in contested electronic warfare 
        environments.
            (5) Capability gaps with respect to near-peer adversaries 
        identified pursuant to a capability gap assessment.
            (6) A joint strategy on achieving near real-time system 
        adaption to rapidly advancing modern digital electronics.
            (7) Progress on increasing innovative electromagnetic 
        spectrum warfighting methods and operational concepts that 
        provide advantages within the electromagnetic spectrum 
        operational domain.
    (b) Congressional Defense Committees Defined.--In this section, the 
term ``congressional defense committees'' means--
            (1) the Committee on Armed Services and the Committee on 
        Appropriations of the Senate; and
            (2) the Committee on Armed Services and the Committee on 
        Appropriations of the House of Representatives.
[EX A]: Electronic Warfare Capabilities Enhancement Act of 2016 This bill permits the use of appropriations authorized for electromagnetic spectrum warfare systems and electronic warfare in order to develop and field electromagnetic spectrum warfare systems and electronic warfare capabilities.  The Bob Stump National Defense Authorization Act for Fiscal Year 2003 is amended to include electronic warfare programs in the rapid acquisition authority program. Electronic warfare is military action involving the use of electromagnetic and directed energy to control the electromagnetic spectrum or to attack the enemy, and includes electromagnetic spectrum warfare, which encompasses military communications and sensing operations that occur in the electromagnetic operational domain. The Department of Defense shall delegate to the senior electronic warfare executive the authority to review and validate all Joint Capabilities Integration and Development System documents for electronic warfare acquisition programs. The Electronic Warfare Executive Committee shall submit to the congressional defense committees a strategic plan with measurable and timely objectives to achieve its mission according to specified metrics.

[EX Q]: SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Retirement Security Education Act of 
2005''.

SEC. 2. FINDINGS.

    Congress finds the following:
            (1) Improving financial literacy is a critical and complex 
        task for Americans of all ages.
            (2) Low levels of savings and high levels of personal and 
        real estate debt are serious problems for many households 
        nearing retirement. Personal savings rates have fallen to a 
        dangerously low 2 percent.
            (3) Approximately half of working Americans have any form 
        of pension coverage. Today, just 21 percent of workers have 
        defined benefit coverage and just 27 percent of workers are 
        enrolled in 401(k)s.
            (4) Because women have longer life expectancies, the number 
        of poor older women is more than twice the number of poor older 
        men. Studies have also found that there is a substantial gender 
        gap in all sources of retirement income including Social 
        Security, pensions, savings and earnings from post-retirement 
        employment.
            (5) The more limited timeframe that mid-life and older 
        individuals and families have to assess the realities of their 
        individual circumstances, to recover from counter-productive 
        choices and decision-making processes, and to benefit from more 
        informed financial practices, has immediate impact and near 
        term consequences for Americans nearing or of retirement age.
            (6) Research indicates that there are now 4 basic sources 
        of retirement income security. Those sources are social 
        security benefits, pensions and savings, healthcare insurance 
        coverage, and, for an increasing number of older individuals, 
        necessary earnings from working during ``retirement'' years.
            (7) The Congressional Budget Office has found that about a 
        quarter of baby-boomer households have so far failed to 
        accumulate significant savings and that they appear likely to 
        depend entirely on government benefits in retirement.
            (8) Over the next 30 years, the number of older individuals 
        in the United States is expected to double, from 35,000,000 to 
        nearly 75,000,000, and long-term care costs are expected to 
        skyrocket.
            (9) Over the next 25 years, the number of individuals over 
        65 years of age requiring long term care services is expected 
        to double to approximately 12 million.
            (10) Fraud against older individuals, including 
        telemarketing schemes, predatory lending, identity theft and 
        Internet fraud has risen dramatically.

SEC. 3. GRANT PROGRAM TO ENHANCE FINANCIAL AND RETIREMENT LITERACY AND 
              REDUCE FINANCIAL ABUSE AND FRAUD AMONG MID-LIFE AND OLDER 
              AMERICANS.

    (a) Authority.--The Secretary is authorized to award grants to 
eligible entities to provide financial education programs to mid-life 
and older individuals who reside in local communities in order to--
            (1) enhance and promote knowledge of financial issues, 
        long-term care, and retirement issues among such individuals; 
        and
            (2) reduce financial abuse and fraud, including 
        telemarketing, mortgage, and pension fraud, among such 
        individuals.
    (b) Eligible Entities.--An entity is eligible to receive a grant 
under this section if such entity is--
            (1) a State agency or area agency on aging; or
            (2) a non-profit organization organized under section 
        501(c)(3) of the Internal Revenue Code with a proven record of 
        providing--
                    (A) services to mid-life and older individuals;
                    (B) consumer awareness programs; or
                    (C) supportive services to low-income families.
    (c) Application.--An eligible entity desiring a grant under this 
section shall submit an application to the Secretary in such form and 
containing such information as the Secretary may require, including a 
plan for continuing the programs provided with grant funds under this 
section after the grant expires.
    (d) Limitation on Administrative Costs.--A recipient of a grant 
under this section may not use more than 4 percent of the total amount 
of the grant in each fiscal year for the administrative costs of 
carrying out the programs provided with grant funds under this section.
    (e) Evaluation and Report.--
            (1) Establishment of performance measures.--The Secretary 
        shall develop measures to evaluate the programs provided with 
        grant funds under this section.
            (2) Evaluation according to performance measures.--Applying 
        the performance measures developed under paragraph (1), the 
        Secretary shall evaluate the programs provided with grant funds 
        under this section in order to--
                    (A) judge the performance and effectiveness of such 
                programs;
                    (B) identify which programs represent the best 
                practices of entities developing such programs for mid-
                life and older individuals; and
                    (C) identify which programs may be replicated.
            (3) Annual reports.--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 status of 
        the grant program under this section, a description of the 
        programs provided with grant funds under this section, and the 
        results of the evaluation of such programs under paragraph (2).

SEC. 4. NATIONAL TRAINING AND TECHNICAL ASSISTANCE PROGRAM.

    (a) Authority.--The Secretary is authorized to award a grant to 1 
or more eligible entities to--
            (1) create and make available instructional materials and 
        information that promote financial education; and
            (2) provide training and other related assistance regarding 
        the establishment of financial education programs to eligible 
        entities awarded a grant under section 3.
    (b) Eligible Entities.--An entity is eligible to receive a grant 
under this section if such entity is a nonprofit organization organized 
under Section 501(c)(3) of the Internal Revenue Code with substantial 
experience in the field of financial education.
    (c) Application.--An eligible entity desiring a grant under this 
section shall submit an application to the Secretary in such form and 
containing such information as the Secretary may require.
    (d) Basis and Term.--The Secretary shall award a grant under this 
section on a competitive, merit basis.

SEC. 5 SENSE OF CONGRESS.

    It is the sense of Congress that, in providing assistance under 
this Act, the Secretary should place a high priority on the provision 
of such assistance to organizations that have demonstrated experience 
in providing financial education to older women.

SEC. 6. DEFINITIONS.

    In this Act:
            (1)  area agency on aging.--The term ``area agency on 
        aging'' has the meaning given such term in section 102 of the 
        Older Americans Act of 1965 (42 U.S.C. 3002).
            (2) Financial education.--The term ``financial education'' 
        means education that promotes an understanding of consumer, 
        economic, and personal finance concepts, including saving for 
        retirement, long-term care, and estate planning and education 
        on predatory lending, identity theft, and financial abuse 
        schemes.
            (3) Mid-life individual.--The term ``mid-life individual'' 
        means an individual aged 45 to 64 years.
            (4) Older individual.--The term ``older individual'' means 
        an individual aged 65 or older.
            (5) Secretary.--The term ``Secretary'' means the Secretary 
        of Health and Human Services.
            (6) State agency.--The term ``State agency'' has the 
        meaning given such term in section 102 of the Older Americans 
        Act of 1965 (42 U.S.C. 3002).

SEC. 7. AUTHORIZATION OF APPROPRIATIONS.

    (a) Authorization.--There is authorized to be appropriated to carry 
out this Act, $100,000,000 for each of the fiscal years 2006 through 
2010.
    (b) Limitation on Funds for Evaluation and Report.--The Secretary 
may use to carry out section 3(e) not more than $200,000 of the amount 
appropriated under subsection (a) for each fiscal year.
    (c) Limitation on Funds for Training and Technical Assistance.--The 
Secretary shall use to carry out section 4 not less than 5 percent, and 
not more than 10 percent, of the amount appropriated under subsection 
(a) for each fiscal year.
[EX A]:
Retirement Security Education Act of 2005 - Authorizes the Secretary of Health and Human Services to award grants to eligible entities to provide financial education programs to mid-life and older individuals who reside in local communities in order to: (1) enhance their financial and retirement knowledge; and (2) reduce financial abuse and fraud, including telemarketing, mortgage, and pension fraud, among them.

Authorizes the Secretary to award a grant to one or more eligible entities to: (1) create and make available instructional materials and information that promote financial education; and (2) provide training and other related assistance regarding the establishment of financial education programs.

Expresses the sense of Congress that organizations with demonstrated experience in providing financial education to older women should receive high priority for assistance under this Act.