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

[Q]: SECTION 1. SHORT TITLE.

    This Act may be cited as the ``State Long-Term Care Partnership Act 
of 2005''.

SEC. 2. ALLOWANCE OF ADDITIONAL STATE LONG-TERM CARE PARTNERSHIPS.

    (a) In General.--Section 1917(b) of the Social Security Act (42 
U.S.C. 1396(b)) is amended--
            (1) in paragraph (1)(C)(i), by striking ``shall seek 
        adjustment'' and inserting ``may seek adjustment'';
            (2) in paragraph (1)(C)(ii), by inserting ``Qualified State 
        Long-Term Care Insurance Partnership or under a'' after 
        ``Clause (i) shall not apply in the case of an individual who 
        received medical assistance under a''; and
            (3) in paragraph (4)(B), by striking ``(and shall include, 
        in the case of an individual to whom paragraph (1)(C)(i) 
        applies)''.
    (b) Definition of a Qualified State Long-Term Care Insurance 
Partnership.--Section 1917(e) of the Social Security Act (42 U.S.C. 
1396p(e)) is amended by inserting at the end the following:
            ``(6) The term `Qualified State Long-Term Care Insurance 
        Partnership' means a State plan amendment that provides for the 
        disregard of any assets or resources in an amount equal to the 
        insurance benefits payments that are made under a long-term 
        care insurance policy (including a certificate issued under a 
        group insurance contract), but only if--
                    ``(A) the policy covers an insured who, at the time 
                coverage under the policy first becomes effective, is a 
                resident of such State or of a State that maintains a 
                Qualified Long-Term Care Insurance Partnership;
                    ``(B) the policy is a qualified long-term care 
                insurance contract within the meaning of section 
                7702B(b) of the Internal Revenue Code of 1986;
                    ``(C) the policy provides some level of inflation 
                protection;
                    ``(D) the policy satisfies any requirements of 
                State or other applicable law that apply to a long-term 
                care insurance policy; and
                    ``(E) the issuer of the policy reports--
                            ``(i) to the Secretary, such information or 
                        data as the Secretary may require; and
                            ``(ii) to the State, the information or 
                        data reported to the Secretary (if any), the 
                        information or data required under the minimum 
                        reporting requirements developed under section 
                        2(c)(1) of the State Long-Term Care Partnership 
                        Act of 2005, and such additional information or 
                        data as the State may require.
        For purposes of applying this paragraph, if a long-term care 
        insurance policy is exchanged for another such policy, the date 
        coverage became effective under the first policy shall 
        determine when coverage first becomes effective.''.
    (c) Regulatory Authority.--Not later than 6 months after the date 
of enactment of this Act, the Secretary of Health and Human Services 
(in this subsection and subsection (d) referred to as the 
``Secretary''), in consultation with the National Association of 
Insurance Commissioners, issuers of long-term care insurance policies, 
States with experience with long-term care insurance partnership plans, 
and other States, shall develop the following requirements and 
standards:
            (1) Minimum, consistent reporting requirements.--
                    (A) In general.--Minimum reporting requirements for 
                issuers of long-term care insurance policies under 
                Qualified State Long-Term Care Insurance Partnerships 
                that shall specify the data and information that each 
                such issuer shall report to the State with which it has 
                such a partnership. The requirements developed in 
                accordance with this paragraph shall specify the type 
                and format of the data and information to be reported 
                and the frequency with which such reports are to be 
                made.
                    (B) State required data.--Nothing in subparagraph 
                (A) shall be construed as prohibiting a State from 
                requiring an issuer of a long-term care insurance 
                policy sold in the State (regardless of whether the 
                policy is issued under a Qualified State Long-Term Care 
                Insurance Partnership) to require the issuer to report 
                State information or data to the State that is in 
                addition to the information or data required under the 
                minimum reporting requirements developed under that 
                subparagraph.
            (2) Reciprocity standards.--Standards for ensuring that 
        long-term care insurance policies issued under a Qualified 
        State Long-Term Care Insurance Partnership are portable to 
        other States with such a partnership.
    (d) Consumer Education.--The Secretary shall establish procedures 
for educating consumers regarding Qualified State Long-Term Care 
Insurance Partnerships and long-term care insurance policies issued in 
connection with such partnerships.
    (e) Annual Reports to Congress.--The Secretary shall annually 
report to Congress on the Qualified State Long-Term Care Insurance 
Partnerships established in accordance with subsections (b)(1)(C)(ii) 
and (e)(6) of section 1917 of the Social Security Act (42 U.S.C. 
1396p).
    (f) Effective Date.--The amendments made by subsections (a) and (b) 
take effect on October 1, 2005.
[A]: State Long-Term Care Partnership Act of 2005 - Amends title XIX (Medicaid) of the Social Security Act to provide for establishment of long-term care insurance partnerships between states and insurers (Qualified State Long-Term Care Insurance Partnerships (QSLTCIPs)). Defines a QSLTCIP as a state plan amendment that provides for the disregard of any assets or resources in an amount equal to the insurance benefits payments made under a long-term care insurance policy (including a certificate issued under a group insurance contract), but only if the policy meets certain requirements, including coverage of an insured who, at the time coverage first becomes effective, is a resident of such state or of a state that maintains a QSLTCIP.

Directs the Secretary to establish procedures for educating consumers regarding QSLTCIPs and long-term care insurance policies issued in connection with them.


[Q]: SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Student Loan Fairness Consolidation 
Act of 2003''.

SEC. 2. AUTHORITY TO REFINANCE EXISTING CONSOLIDATION LOANS.

    (a) FFEL Consolidation Loans.--Section 428C(a)(3)(B) of the Higher 
Education Act of 1965 (20 U.S.C. 1078-3(a)(3)(B)) is amended by adding 
at the end the following new clause:
            ``(ii) Notwithstanding clause (i) of this subparagraph, a 
        borrower of a consolidation loan on which the interest is 
        established at a fixed rate under section 427A, 428C(c), or 455 
        may obtain a subsequent consolidation loan for the purposes of 
        refinancing such earlier consolidation loan at a variable rate 
        of interest under section 427A(m) or 455(b)(8), except that the 
        authority to refinance a consolidation loan under this clause 
        shall not apply to a consolidation loan that was used 
        exclusively to repay loans made under section 428B or Federal 
        Direct PLUS Loans (or both such loans).''.
    (b) Parallel Terms for Federal Direct Consolidation Loans.--Section 
455(a) of the Higher Education Act of 1965 (20 U.S.C. 1087e(a)) is 
amended--
            (1) in paragraph (1), by inserting ``428C,'' after 
        ``428B,''; and
            (2) in paragraph (2)--
                    (A) by striking ``and'' at the end of subparagraph 
                (B);
                    (B) by redesignating subparagraph (C) as 
                subparagraph (D); and
                    (C) by inserting after subparagraph (B) the 
                following:
                    ``(C) section 428C shall be known as `Federal 
                Direct Consolidation Loans'.''.

SEC. 3. AVAILABILITY OF VARIABLE INTEREST RATE CONSOLIDATION LOANS.

    (a) FFEL Consolidation Loans.--Section 427A of the Higher Education 
Act of 1965 (20 U.S.C. 1077a) is amended--
            (1) by redesignating subsection (m) and (n) as subsections 
        (n) and (o), respectively; and
            (2) by inserting after subsection (l) the following:
    ``(m) Variable Interest Rate Consolidation Loans.--
            ``(1) Variable rate.--Notwithstanding subsections (h), (k), 
        and (l), with respect to any loan made pursuant to section 428C 
        for which the first disbursement is made on or after the date 
        of enactment of the Student Loan Fairness Consolidation Act of 
        2003, the applicable rate of interest shall, during any 12-
        month period beginning on July 1 and ending on June 30, be 
        determined on the preceding June 1 and be equal to--
                    ``(A) the bond equivalent rate of 91-day Treasury 
                bills auctioned at the final auction held prior to such 
                June 1; plus
                    ``(B) 2.3 percent,
        except that such rate shall not exceed 8.25 percent.
            ``(2) Recovery of excess interest.--If, with respect to a 
        consolidation loan on which the applicable interest rate is 
        determined under this subsection, the applicable interest rate 
        for any 3-month period exceeds the special allowance rate 
        applicable to such loan under section 438(b)(2)(I) for such 
        period, then an adjustment shall be made--
                    ``(A) by calculating the excess interest in the 
                amount computed under paragraph (3) of this subsection; 
                and
                    ``(B) by crediting the excess interest to the 
                Government.
            ``(3) Amount of adjustment.--The amount of any adjustment 
        of interest on a loan to be made under this subsection for any 
        quarter shall be equal to--
                    ``(A) the applicable interest rate minus the 
                special allowance rate determined under section 
                438(a)(2)(I); multiplied by
                    ``(B) the average daily principal balance of the 
                loan (not including unearned interest added to 
                principal) during such calendar quarter; divided by
                    ``(C) four.
            ``(4) Inapplicability to consolidation loans used to repay 
        plus loans.--The provisions of paragraph (1) of this subsection 
        shall not apply to a consolidation loan that was used 
        exclusively to repay loans made under section 428B or Federal 
        Direct PLUS Loans (or both such loans).''.
    (b) Federal Direct Consolidation Loans.--Section 455(b) of the 
Higher Education Act of 1965 (20 U.S.C. 1087e(b)) is amended--
            (1) by redesignating paragraphs (8) and (9) as paragraphs 
        (9) and (10), respectively; and
            (2) by inserting after paragraph (7) the following:
            ``(8) Variable interest rate consolidation loans.--
                    ``(A) Variable rate.--Notwithstanding the preceding 
                paragraphs of this subsection, with respect to any 
                Federal Direct Consolidation Loan for which the first 
                disbursement is made on or after the date of enactment 
                of the Student Loan Fairness Consolidation Act of 2003, 
                the applicable rate of interest shall, during any 12-
                month period beginning on July 1 and ending on June 30, 
                be determined on the preceding June 1 and be equal to--
                            ``(i) the bond equivalent rate of 91-day 
                        Treasury bills auctioned at the final auction 
                        held prior to such June 1; plus
                            ``(ii) 2.3 percent,
                except that such rate shall not exceed 8.25 percent.
                    ``(B) Inapplicability to consolidation loans used 
                to repay plus loans.--The provisions of this subsection 
                shall not apply to a consolidation loan that was used 
                exclusively to repay loans made under section 428B or 
                Federal Direct PLUS Loans (or both such loans).''.
    (c) Conforming Amendment.--Section 438(b)(2)(I) is amended by 
striking ``section 427A(k)(4) or (l)(3)'' each place it appears in 
clauses (iv) and (vi) and inserting ``section 427A(k)(4), (l)(3), or 
(m)''.
[A]: Student Loan Fairness Consolidation Act of 2003 - Amends the Higher Education Act of 1965 to revise student aid requirements for Federal consolidation loans under the Federal Family Education Loan program, and establish parallel requirements under a Federal Direct Consolidation Loan program, to: (1) allow borrowers to refinance existing consolidation loans; and (2) make available variable interest rate consolidation loans. Excludes consolidation loans for repaying Federal PLUS loans (taken out by parents of students) from such provisions for refinancing and variable interest rates.


[Q]: SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Small and Rural Communities 
Wastewater Infrastructure Act''.

SEC. 2. PUBLICLY OWNED TREATMENT WORKS SERVING SMALL AND DISADVANTAGED 
              COMMUNITIES.

    Title VI of the Federal Water Pollution Control Act (33 U.S.C. 1381 
et seq.) is amended--
            (1) by redesignating section 607 as section 608; and
            (2) by inserting after section 606 the following:

``SEC. 607. PUBLICLY OWNED TREATMENT WORKS SERVING SMALL AND 
              DISADVANTAGED COMMUNITIES.

    ``(a) Allocation of Funds for Small Treatment Works.--
            ``(1) In general.--Of the funds received by a State in 
        capitalization grants under this title for a fiscal year--
                    ``(A) not less than 5 percent shall be used to 
                provide assistance to publicly owned treatment works 
                that regularly serve 5,000 or fewer persons, to the 
                extent that there are sufficient applications for such 
                assistance;
                    ``(B) not less than 10 percent shall be used to 
                provide assistance to publicly owned treatment works 
                that regularly serve between 5,001 and 20,000 persons, 
                to the extent that there are sufficient applications 
                for such assistance; and
                    ``(C) not less than 15 percent shall be used to 
                provide assistance to publicly owned treatment works 
                that regularly serve between 20,001 and 50,000 persons, 
                to the extent that there are sufficient applications 
                for such assistance.
            ``(2) Use of funds in other categories.--If a State is not 
        able to use an amount of funds to provide assistance to 
        publicly owned treatment works in accordance with paragraph 
        (1)(A), (1)(B), or (1)(C) because there are not sufficient 
        applications, the State, to the maximum extent practicable, 
        shall use that amount of funds to provide assistance for 
        another purpose specified in paragraph (1).
            ``(3) Limitation on statutory construction.--Nothing in 
        paragraph (1)(A), (1)(B), or (1)(C) shall be construed to limit 
        the amount of funds received by a State in capitalization 
        grants under this title that may be used by the State for the 
        purposes described in that paragraph.
    ``(b) Preconstruction Assistance for Small Treatment Works.--
            ``(1) Authority to make preloans.--Notwithstanding any 
        other provision of this title, a State may use funds received 
        in capitalization grants under this title for making preloans 
        to eligible recipients in accordance with the requirements of 
        this subsection.
            ``(2) Eligible uses of preloans.--A preloan received by an 
        eligible recipient under this subsection may be used for the 
        following costs incurred in connection with an eligible 
        project:
                    ``(A) Project development.
                    ``(B) Environmental studies.
                    ``(C) Legal and administrative expenses.
                    ``(D) Project design.
                    ``(E) Such other costs as the Administrator 
                determines appropriate, as prescribed by regulation.
            ``(3) Ineligible use.--A preloan received by an eligible 
        recipient under this subsection may not be used for costs 
        related to land acquisition.
            ``(4) Maximum individual preloan amount.--The amount of a 
        preloan made under this subsection in connection with an 
        eligible project may not exceed 10 percent of the estimated 
        cost of the project.
            ``(5) Maximum aggregate preloan amount.--Not to exceed 15 
        percent of the funds received by a State in capitalization 
        grants under this title for a fiscal year may be used to 
        provide preloans under this subsection.
            ``(6) Repayment of preloans.--
                    ``(A) In general.--For purposes of repayment, a 
                preloan made to an eligible recipient in connection 
                with an eligible project shall be treated as part of 
                the principal amount of the primary loan made by the 
                State for the project. Except as provided by 
                subparagraph (B), repayment of preloan amounts shall 
                not be required until payments begin for the primary 
                loan amount and interest on preloan amounts shall not 
                begin to accrue until interest begins to accrue on the 
                primary loan amount.
                    ``(B) Deadline for primary loan application.--
                            ``(i) In general.--If an eligible recipient 
                        under this subsection in connection with an 
                        eligible project does not apply for a primary 
                        loan for the project in the 3-year period 
                        beginning on the date of issuance of the 
                        preloan, the State may require, at the 
                        discretion of the State, repayment of the 
                        preloan with interest.
                            ``(ii) Exceptions.--A State shall not 
                        impose a penalty under clause (i) on an 
                        eligible recipient that receives a preloan for 
                        an eligible project, if the State determines 
                        that the eligible recipient did not comply with 
                        the 3-year deadline established by clause (i) 
                        due to--
                                    ``(I) a delay in environmental 
                                reviews conducted by a Federal or State 
                                agency; or
                                    ``(II) insufficient funds in the 
                                State's water pollution control 
                                revolving fund established under this 
                                title for the State to make a primary 
                                loan for the project.
            ``(7) Definitions.--In this subsection, the following 
        definitions apply:
                    ``(A) Eligible project.--The term `eligible 
                project' means a project eligible for assistance under 
                section 603(c)(1) for construction of a public owned 
                treatment works that will regularly serve 50,000 or 
                fewer persons.
                    ``(B) Eligible recipient.--The term `eligible 
                recipient' means a municipality or intermunicipal, 
                interstate, or State agency seeking assistance for an 
                eligible project.
                    ``(C) Preloan.--The term `preloan' means financial 
                assistance provided by a State from the State's water 
                pollution control revolving loan fund established under 
                this title for an eligible project before approval of a 
                primary loan for the project.
                    ``(D) Primary loan.--The term `primary loan' means 
                a loan made by a State from the State's water pollution 
                control revolving loan fund under this title for an 
                eligible project after a preloan is made for that 
                project.
    ``(c) Additional Assistance for Disadvantaged Communities.--
            ``(1) Criteria for designation of disadvantaged 
        communities.--The Governor of a State, after providing an 
        opportunity for public review and comment, may establish 
        criteria to designate disadvantaged communities that--
                    ``(A) have a population of 50,000 persons or fewer; 
                and
                    ``(B) would experience a significant hardship 
                raising the revenue necessary to finance a project 
                eligible for assistance under section 603(c)(1) if 
                assistance is not provided under this subsection.
            ``(2) Additional assistance.--
                    ``(A) In general.--In any case in which a State 
                provides loan assistance to a municipality or 
                intermunicipal, interstate, or State agency for a 
                project under section 603(d), the State may provide 
                additional assistance in connection with the loan if 
                the project is to benefit a disadvantaged community 
                identified by the State using the criteria developed 
                under paragraph (1).
                    ``(B) Types of additional assistance.--Additional 
                assistance under subparagraph (A) shall consist of--
                            ``(i) forgiveness of all or a portion of 
                        the principal of the loan;
                            ``(ii) not requiring or reducing interest 
                        to be paid in connection with the loan;
                            ``(iii) extending the loan repayment period 
                        to not to exceed 30 years; or
                            ``(iv) any combination thereof.''.

SEC. 3. APPLICATION PROCESS REFORM.

    (a) In General.--Not later than 3 years after the date of enactment 
of this Act, the Administrator of the Environmental Protection Agency 
shall--
            (1) consult with States, utilities, nonprofit 
        organizations, and other Federal agencies providing finance 
        assistance to identify ways to expedite and improve the 
        application and review process for obtaining financing from a 
        State water pollution control revolving loan fund under title 
        VI of the Federal Water Pollution Control Act (33 U.S.C. 1381 
        et seq.); and
            (2) take such administrative actions as the Administrator 
        determines appropriate to expedite and improve the process.
    (b) Report to Congress.--Not later than 3 years after the date of 
enactment of this Act, the Administrator shall submit to Congress a 
report that contains recommendations to further expedite and improve 
the application and review process referred to in subsection (a)(1), 
including recommendations for any legislative actions that may be 
needed.
[A]:
Small and Rural Communities Wastewater Infrastructure Act - Amends the Federal Water Pollution Control Act (commonly known as the Clean Water Act) to allocate at least 5%, 10%, or 15% of funds received by a state in capitalization grants to provide assistance to publicly owned treatment works that serve populations of 5,000 or fewer persons, 5,001 to 20,000 persons, or 20,001 to 50,000 persons, respectively.

Authorizes a state to use funds received in capitalization grants for making preloans (financial assistance from the state's water pollution control revolving loan fund) to municipalities or intermunicipal, interstate, or state agencies for costs incurred in connection with project development, environmental studies, legal and administrative expenses, and project design for construction of a public owned treatment works that will regularly serve 50,000 or fewer persons. Prohibits a preloan from being used for costs related to land acquisition.

Authorizes a state agency to provide additional assistance in connection with a state water pollution control revolving loan if a project is to benefit a disadvantaged community with a population of 50,000 persons or fewer by: (1) forgiving all or a portion of the principal of the loan; (2) not requiring or reducing interest to be paid in connection with the loan; and (3) extending the loan repayment period to not to exceed 30 years.

Requires the Administrator of the Environmental Protection Agency (EPA) to identify, implement, and make further recommendations regarding ways to expedite and improve the application and review process for obtaining financing from a state water pollution control revolving loan fund.