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. TREATMENT OF BONDS ISSUED TO FINANCE RENEWABLE ENERGY 
              RESOURCE FACILITIES AND CONSERVATION AND EFFICIENCY 
              FACILITIES AND OTHER SPECIFIED GREENHOUSE GAS EMISSION 
              TECHNOLOGIES.

    (a) In General.--Section 142(a) of the Internal Revenue Code of 
1986 is amended by striking ``or'' at the end of paragraph (14), by 
striking the period at the end of paragraph (15) and inserting a comma, 
and by inserting after paragraph (15) the following new paragraphs:
            ``(16) renewable energy resource facilities,
            ``(17) conservation and efficiency facilities and projects, 
        or
            ``(18) zero emission vehicles and related facilities or 
        projects.''.
    (b) Renewable Energy Resource Facility.--Section 142 of such Code 
is further amended by adding at the end the following new subsection:
    ``(n) Renewable Energy Resource Facilities.--For purposes of 
subsection (a)(16)--
            ``(1) In general.--The term `renewable energy resource 
        facility' means--
                    ``(A) any facility used to produce electric or 
                thermal energy (including a distributed generation 
                facility) from--
                            ``(i) solar, wind, or geothermal energy,
                            ``(ii) marine and hydrokinetic renewable 
                        energy,
                            ``(iii) incremental hydropower,
                            ``(iv) biomass (as defined in section 
                        203(b) of the Energy Policy Act of 2005 (42 
                        U.S.C. 15852(b))), or
                            ``(v) landfill gas, or
                    ``(B) any facility or project used for the 
                manufacture of facilities referred to in subparagraph 
                (A).
            ``(2) Definitions.--For purposes of paragraph (1)--
                    ``(A) Geothermal energy.--The term `geothermal 
                energy' means energy derived from a geothermal deposit 
                (within the meaning of section 613(e)(2)) or from 
                geothermal heat pumps.
                    ``(B) Marine and hydrokinetic renewable energy.--
                The term `marine and hydrokinetic renewable energy' has 
                the meaning given such term in section 45(c)(10).
                    ``(C) Incremental hydropower.--The term 
                `incremental hydropower' means additional energy 
                generated as a result of efficiency improvements or 
                capacity additions to existing hydropower facilities 
                made on or after the date of enactment of this 
                subsection. The term `incremental hydropower' does not 
                include additional energy generated as a result of 
                operational changes not directly associated with 
                efficiency improvements or capacity additions.''.
    (c) Conservation and Efficiency.--Section 142 of such Code is 
amended by adding at the end the following new subsection:
    ``(o) Conservation and Efficiency Facilities and Projects.--For 
purposes of subsection (a)(17), the term `conservation and efficiency 
facility and project' means--
            ``(1) any facility used for the conservation or the 
        efficient use of energy, including energy efficient 
        retrofitting of existing buildings, or for the efficient 
        storage, transmission, or distribution of energy, including any 
        facility or project designed to implement smart grid 
        technologies (as described in title XIII of the Energy 
        Independence and Security Act of 2007, or individual components 
        of such technologies as listed in section 1301 of such Act),
            ``(2) any facility used for the conservation of or the 
        efficient use of water, including--
                    ``(A) any facility or project designed to--
                            ``(i) reduce the demand for water,
                            ``(ii) improve efficiency in use and reduce 
                        losses and waste of water, and
                            ``(iii) improve land management practices 
                        to conserve water, or
                    ``(B) any individual component of a facility or 
                project referred to in subparagraph (A), or
            ``(3) any facility or project used for the manufacture of 
        facilities referred to in paragraphs (1) and (2).
For purposes of paragraph (2)(A), facilities and projects does not 
include facilities or projects that store water.''.
    (d) Zero Emission Vehicles and Related Facilities or Projects.--
Section 142 of such Code is amended by adding at the end the following 
new subsection:
    ``(p) Zero Emission Vehicles and Related Facilities or Projects.--
            ``(1) Zero emission vehicles.--The term `zero emission 
        vehicles' means vehicles that have no tailpipe emissions, 
        evaporative emissions, or onboard emission-control systems that 
        can deteriorate over time.
            ``(2) Facilities related to zero emission vehicles.--A 
        facility or project is related to a zero emission vehicle if 
        the facility is any real or personal property to be used in the 
        design, technology transfer, manufacture, production, assembly, 
        distribution, or service of zero emission vehicles.''.
    (e) Coordination With Section 45.--Paragraph (3) of section 45(b) 
of such Code is amended by adding at the end the following new 
sentence: ``Clause (ii) of subparagraph (A) shall not apply with 
respect to (I) any qualified facility that is a renewable energy 
resource facility described in section 142(a)(16), (II) any qualified 
facility that is a conservation and efficiency facility described in 
section 142(a)(17), or (III) any qualified facility that is a zero 
emission vehicle and related facility or project described in section 
142(a)(18).''.
    (f) Coordination With Section 45K.--Subparagraph (A) of section 
45K(b)(3) of such Code is amended by adding at the end the following 
flush sentence: ``Clause (i)(II) shall not apply with respect to (aa) 
any qualified facility that is a renewable energy resource facility 
described in section 142(a)(16), (bb) any qualified facility that is a 
conservation and efficiency facility described section 142(a)(17), or 
(cc) any qualified facility that is a zero emission vehicle and related 
facility or project described in section 142(a)(18).''.
    (g) Coordination With Section 146(g)(3).--Section 146(g)(3) is 
amended by striking ``or (15)'' and all that follows through the end of 
the paragraph and inserting ``(15), (16), (17), or (18)''.
    (h) Effective Date.--The amendments made by this section shall 
apply to obligations issued after the date of the enactment of this 
Act.
[EX A]: Amends the Internal Revenue Code to allow a tax exemption of the interest on bonds issued to finance renewable energy resource facilities, conservation and efficiency facilities and projects, and zero emission vehicles and related facilities or projects.

[EX Q]: SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Crop Insurance Subsidy Reduction Act 
of 2013''.

SEC. 2. REDUCTION IN SHARE OF CROP INSURANCE PREMIUM PAID BY FEDERAL 
              CROP INSURANCE CORPORATION.

    Section 508(e)(2) of the Federal Crop Insurance Act (7 U.S.C. 
1508(e)(2)) is amended--
            (1) in subparagraph (B)(i), by striking ``67'' and 
        inserting ``55'';
            (2) in subparagraph (E)(i), by striking ``55'' and 
        inserting ``24'';
            (3) in subparagraph (F)(i), by striking ``48'' and 
        inserting ``17'';
            (4) in subparagraph (G)(i), by striking ``38'' and 
        inserting ``13'';
            (5) by redesignating subparagraphs (C) through (G) as 
        subparagraphs (G) through (K), respectively; and
            (6) by inserting after subparagraph (B) the following:
                    ``(C) In the case of additional coverage equal to 
                or greater than 55 percent, but less than 60 percent, 
                of the recorded or appraised average yield indemnified 
                at not greater than 100 percent of the expected market 
                price, or a comparable coverage for a policy or plan of 
                insurance that is not based on individual yield, the 
                amount shall be equal to the sum of--
                            ``(i) 46 percent of the amount of the 
                        premium established under subsection 
                        (d)(2)(B)(i) for the coverage level selected; 
                        and
                            ``(ii) the amount determined under 
                        subsection (d)(2)(B)(ii) for the coverage level 
                        selected to cover operating and administrative 
                        expenses.
                    ``(D) In the case of additional coverage equal to 
                or greater than 60 percent, but less than 65 percent, 
                of the recorded or appraised average yield indemnified 
                at not greater than 100 percent of the expected market 
                price, or a comparable coverage for a policy or plan of 
                insurance that is not based on individual yield, the 
                amount shall be equal to the sum of--
                            ``(i) 38 percent of the amount of the 
                        premium established under subsection 
                        (d)(2)(B)(i) for the coverage level selected; 
                        and
                            ``(ii) the amount determined under 
                        subsection (d)(2)(B)(ii) for the coverage level 
                        selected to cover operating and administrative 
                        expenses.
                    ``(E) In the case of additional coverage equal to 
                or greater than 65 percent, but less than 70 percent, 
                of the recorded or appraised average yield indemnified 
                at not greater than 100 percent of the expected market 
                price, or a comparable coverage for a policy or plan of 
                insurance that is not based on individual yield, the 
                amount shall be equal to the sum of--
                            ``(i) 42 percent of the amount of the 
                        premium established under subsection 
                        (d)(2)(B)(i) for the coverage level selected; 
                        and
                            ``(ii) the amount determined under 
                        subsection (d)(2)(B)(ii) for the coverage level 
                        selected to cover operating and administrative 
                        expenses.
                    ``(F) In the case of additional coverage equal to 
                or greater than 70 percent, but less than 75 percent, 
                of the recorded or appraised average yield indemnified 
                at not greater than 100 percent of the expected market 
                price, or a comparable coverage for a policy or plan of 
                insurance that is not based on individual yield, the 
                amount shall be equal to the sum of--
                            ``(i) 32 percent of the amount of the 
                        premium established under subsection 
                        (d)(2)(B)(i) for the coverage level selected; 
                        and
                            ``(ii) the amount determined under 
                        subsection (d)(2)(B)(ii) for the coverage level 
                        selected to cover operating and administrative 
                        expenses.''.

SEC. 3. BUDGETARY EFFECTS.

    The budgetary effects of this Act, for the purpose of complying 
with the Statutory Pay-As-You-Go Act of 2010, shall be determined by 
reference to the latest statement titled ``Budgetary Effects of PAYGO 
Legislation'' for this Act, submitted for printing in the Congressional 
Record by the Chairman of the Senate Budget Committee, provided that 
such statement has been submitted prior to the vote on passage.
[EX A]: Crop Insurance Subsidy Reduction Act of 2013 - Amends the Federal Crop Insurance Act to reduce crop insurance premium subsidy rates.

[EX Q]: SECTION 1. SHORT TITLE.

    This Act may be cited as ``Clarifying Commercial Real Estate 
Loans''.

SEC. 2. CAPITAL REQUIREMENTS FOR CERTAIN ACQUISITION, DEVELOPMENT, OR 
              CONSTRUCTION LOANS.

    The Federal Deposit Insurance Act is amended by adding at the end 
the following new section:

``SEC. 51. CAPITAL REQUIREMENTS FOR CERTAIN ACQUISITION, DEVELOPMENT, 
              OR CONSTRUCTION LOANS.

    ``(a) In General.--The appropriate Federal banking agencies may 
only subject a depository institution to higher capital standards with 
respect to a high volatility commercial real estate (HVCRE) exposure 
(as such term is defined under section 324.2 of title 12, Code of 
Federal Regulations, as of October 11, 2017, or if a successor 
regulation is in effect as of the date of the enactment of this 
section, such term or any successor term contained in such successor 
regulation) if such exposure is an HVCRE ADC loan.
    ``(b) HVCRE ADC Loan Defined.--For purposes of this section and 
with respect to a depository institution, the term `HVCRE ADC loan'--
            ``(1) means a credit facility secured by land or improved 
        real property that, prior to being reclassified by the 
        depository institution as a Non-HVCRE ADC loan pursuant to 
        subsection (d)--
                    ``(A) primarily finances, has financed, or 
                refinances the acquisition, development, or 
                construction of real property;
                    ``(B) has the purpose of providing financing to 
                acquire, develop, or improve such real property into 
                income-producing real property; and
                    ``(C) is dependent upon future income or sales 
                proceeds from, or refinancing of, such real property 
                for the repayment of such credit facility;
            ``(2) does not include a credit facility financing--
                    ``(A) the acquisition, development, or construction 
                of properties that are--
                            ``(i) one- to four-family residential 
                        properties;
                            ``(ii) real property that would qualify as 
                        an investment in community development; or
                            ``(iii) agricultural land;
                    ``(B) the acquisition or refinance of existing 
                income-producing real property secured by a mortgage on 
                such property, if the cash flow being generated by the 
                real property is sufficient to support the debt service 
                and expenses of the real property, as determined by the 
                depository institution, in accordance with the 
                institution's applicable loan underwriting criteria for 
                permanent financings;
                    ``(C) improvements to existing income-producing 
                improved real property secured by a mortgage on such 
                property, if the cash flow being generated by the real 
                property is sufficient to support the debt service and 
                expenses of the real property, as determined by the 
                depository institution, in accordance with the 
                institution's applicable loan underwriting criteria for 
                permanent financings; or
                    ``(D) commercial real property projects in which--
                            ``(i) the loan-to-value ratio is less than 
                        or equal to the applicable maximum supervisory 
                        loan-to-value ratio as determined by the 
                        appropriate Federal banking agency; and
                            ``(ii) the borrower has contributed capital 
                        of at least 15 percent of the real property's 
                        appraised, `as completed' value to the project 
                        in the form of--
                                    ``(I) cash;
                                    ``(II) unencumbered readily 
                                marketable assets;
                                    ``(III) paid development expenses 
                                out-of-pocket; or
                                    ``(IV) contributed real property or 
                                improvements; and
                            ``(iii) the borrower contributed the 
                        minimum amount of capital described under 
                        clause (ii) before the depository institution 
                        advances funds under the credit facility, and 
                        such minimum amount of capital contributed by 
                        the borrower is contractually required to 
                        remain in the project until the credit facility 
                        has been reclassified by the depository 
                        institution as a Non-HVCRE ADC loan under 
                        subsection (d);
            ``(3) does not include any loan made prior to January 1, 
        2015; and
            ``(4) does not include a credit facility reclassified as a 
        Non-HVCRE ADC loan under subsection (d).
    ``(c) Value of Contributed Real Property.--For purposes of this 
section, the value of any real property contributed by a borrower as a 
capital contribution shall be the appraised value of the property as 
determined under standards prescribed pursuant to section 1110 of the 
Financial Institutions Reform, Recovery, and Enforcement Act of 1989 
(12 U.S.C. 3339), in connection with the extension of the credit 
facility or loan to such borrower.
    ``(d) Reclassification as a Non-HVCRE ADC Loan.--For purposes of 
this section and with respect to a credit facility and a depository 
institution, upon--
            ``(1) the completion of the development or construction of 
        the real property being financed by the credit facility; and
            ``(2) cash flow being generated by the real property being 
        sufficient to support the debt service and expenses of the real 
        property,
in either case to the satisfaction of the depository institution, in 
accordance with the institution's applicable loan underwriting criteria 
for permanent financings, the credit facility may be reclassified by 
the depository institution as a Non-HVCRE ADC loan.''.
[EX A]:
Clarifying Commercial Real Estate Loans This bill amends the Federal Deposit Insurance Act to specify that a federal banking agency may not subject a depository institution to higher capital standards with respect to a high-volatility commercial real-estate (HVCRE) exposure unless the exposure is an HVCRE acquisition, development, or construction (ADC) loan. An HVCRE ADC loan is a&nbsp;one that: (1) is&nbsp;secured by land or improved real property; (2) has the purpose of providing financing to acquire, develop, or improve the real property such that the property becomes income-producing; and (3) is dependent upon future income or sales proceeds from, or refinancing of, the real property for the repayment of the loan. An HVCRE ADC loan does not include financing for a&nbsp;one- to four-family residential property, agricultural land, real property that would qualify as an investment in community development,&nbsp;existing income-producing real property secured by a mortgage, or certain commercial real-property projects.&nbsp;Furthermore, such a loan does not include any loan made prior to January 1, 2015. A depository institution may reclassify a loan as a non-HVCRE ADC loan if the depository institution is satisfied that: (1) the acquisition, development, or&nbsp;improvement of real property being financed by the loan is complete; and (2) the cash flow being generated by the real property is sufficient to support the debt service and expenses of the real property.