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

Input: Consider Input: SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Unemployment Compensation Amendments 
of 1993''.
SEC. 2. EXTENSION OF EMERGENCY UNEMPLOYMENT COMPENSATION PROGRAM.
    (a) General Rule.--Sections 102(f)(1) and 106(a)(2) of the Emergency 
Unemployment Compensation Act of 1991 (Public Law 102-164, as amended) 
are each amended by striking ``October 2, 1993'' and inserting 
``February 5, 1994''.
    (b) Weeks of Benefits Available During Extension.--
        (1) Subparagraph (A) of section 102(b)(2) of such Act is 
    amended--
            (A) by redesignating clause (vi) as clause (vii),
            (B) by inserting after clause (v) the following new clause:
                ``(vi) Reduction of weeks after october 2, 1993.--In the 
            case of weeks beginning after October 2, 1993--

                    ``(I) clause (i) of this subparagraph shall be 
                applied by substituting `13' for `33' and by 
                substituting `7' for `26',
                    ``(II) clauses (ii), (iii), (iv), and (v) of this 
                subparagraph shall not apply, and
                    ``(III) subparagraph A of paragraph (1) shall be 
                applied by substituting `50 percent' for `130 
                percent'.'', and

            (C) by striking ``or (iv)'' in clause (vii) (as redesignated 
        by subparagraph (A)) and inserting ``(iv), or (vi)''.
        (2) Subparagraph (B) of section 102(b)(2) of such Act is amended 
    by striking ``and (iv)'' and inserting ``(iv) and (vi)''.
    (c) Modification of Final Phase-Out.--Paragraph (2) of section 
102(f) of such Act is amended--
        (1) by striking ``October 2, 1993'' and inserting ``February 5, 
    1994'', and
        (2) by striking ``January 15, 1994'' and inserting ``April 30, 
    1994''.
    (d) Conforming Amendments.--Section 101(e) of such Act is amended--
        (1) by striking ``October 2, 1993'' each place it appears in 
    paragraph (1) and inserting ``February 5, 1994'', and
        (2) by striking ``(and is not triggered off under paragraph 
    (1))'' in paragraph (2) and inserting ``after February 5, 1994,''.
    (e) Effective Date.--The amendments made by this section shall apply 
to weeks of unemployment beginning after October 2, 1993.
SEC. 3. MODIFICATION TO ELIGIBILITY REQUIREMENTS FOR EMERGENCY 
UNEMPLOYMENT COMPENSATION.
    (a) Repeal of Disregard of Rights to Regular Compensation.--
Subsection (f) of section 101 of the Emergency Unemployment Compensation 
Act of 1991 (Public Law 102-164, as amended) is hereby repealed.
    (b) Effective Date.--The repeal made by subsection (a) shall apply 
to weeks of unemployment beginning after the date of the enactment of 
this Act; except that such repeal shall not apply in determining 
eligibility for emergency unemployment compensation from an account 
established before October 2, 1993.

SEC. 4. WORKER PROFILING.

    (a) In General.--
        (1) Establishment of profiling system.--Section 303 of the 
    Social Security Act is amended by adding at the end thereof the 
    following new subsection:
    ``(j)(1) The State agency charged with the administration of the 
State law shall establish and utilize a system of profiling all new 
claimants for regular compensation that--
        ``(A) identifies which claimants will be likely to exhaust 
    regular compensation and will need job search assistance services to 
    make a successful transition to new employment;
        ``(B) refers claimants identified pursuant to subparagraph (A) 
    to reemployment services, such as job search assistance services, 
    available under any State or Federal law;
        ``(C) collects follow-up information relating to the services 
    received by such claimants and the employment outcomes for such 
    claimants subsequent to receiving such services and utilizes such 
    information in making identifications pursuant to subparagraph (A); 
    and
        ``(D) meets such other requirements as the Secretary of Labor 
    determines are appropriate.
    ``(2) Whenever the Secretary of Labor, after reasonable notice and 
opportunity for hearing to the State agency charged with the 
administration of the State law, finds that there is a failure to comply 
substantially with the requirements of paragraph (1), the Secretary of 
Labor shall notify such State agency that further payments will not be 
made to the State until he is satisfied that there is no longer any such 
failure. Until the Secretary of Labor is so satisfied, he shall make no 
further certification to the Secretary of the Treasury with respect to 
such State.''.
        (2) Conforming amendment.--Section 304(a)(2) of the Social 
    Security Act is amended by striking ``or (i)'' and inserting ``(i), 
    or (j)''.
    (b) Participation Requirement.--Section 303(a) of the Social 
Security Act is amended--
        (1) by striking the period at the end of paragraph (9) and 
    inserting ``; and'', and
        (2) by adding at the end thereof the following new paragraph:
        ``(10) A requirement that, as a condition of eligibility for 
    regular compensation for any week, any claimant who has been 
    referred to reemployment services pursuant to the profiling system 
    under subsection (j)(1)(B) participate in such services or in 
    similar services unless the State agency charged with the 
    administration of the State law determines--
            ``(A) such claimant has completed such services; or
            ``(B) there is justifiable cause for such claimant's failure 
        to participate in such services.''.
    (c) Technical Assistance.--The Secretary of Labor shall provide 
technical assistance and advice to assist the States in implementing the 
profiling system required under the amendments made by subsection (a). 
Such assistance shall include the development and identification of 
model profiling systems.
    (d) Report to Congress.--Not later than the date 3 years after the 
date of enactment of this Act, the Secretary of Labor shall report to 
the Congress on the operation and effectiveness of the profiling system 
required under the amendments made by subsection (a) and the 
participation requirement provided by the amendments made under 
subsection (b). Such report shall include such recommendations as the 
Secretary of Labor determines are appropriate.
    (e) Conforming Amendment.--Section 4 of the Emergency Unemployment 
Compensation Amendments of 1993 (Public Law 103-6) is hereby repealed.
    (f) Effective Dates.--
        (1) The amendments made by subsections (a) and (b) shall take 
    effect on the date one year after the date of the enactment of this 
    Act.
        (2) The provisions of subsections (c), (d), and (e) shall take 
    effect on the date of enactment of this Act.
SEC. 5. TECHNICAL AMENDMENT TO UNEMPLOYMENT TRUST FUND.
    Paragraph (1) of section 905(b) of the Social Security Act is 
amended to read as follows:
    ``(b)(1) Except as provided in paragraph (3), the Secretary of the 
Treasury shall transfer (as of the close of each month) from the 
employment security administration account to the extended unemployment 
compensation account established by subsection (a), an amount 
(determined by such Secretary) equal to 20 percent of the amount by 
which--
        ``(A) the transfers to the employment security administration 
    account pursuant to section 901(b)(2) during such month, exceed
        ``(B) the payments during such month from the employment 
    security administration account pursuant to section 901 (b)(3) and 
    (d).
If for any such month the payments referred to in subparagraph (B) 
exceed the transfers referred to in subparagraph (A), proper adjustments 
shall be made in the amounts subsequently transferred.''

SEC. 6. EXTENSION OF REPORTING DATE FOR ADVISORY COUNCIL.

    Section 908(f) of the Social Security Act is amended--
        (1) in paragraph (1), by striking ``2d year'' and inserting 
    ``third year''; and
        (2) in paragraph (2), by striking ``February 1, 1994'' and 
    inserting ``February 1, 1995''.
SEC. 7. TEMPORARY INCREASE IN SPONSORSHIP PERIOD FOR ALIENS UNDER THE 
SUPPLEMENTAL SECURITY INCOME PROGRAM.
    (a) Increase in Sponsorship Period.--
        (1) In general.--Section 1621 of the Social Security Act (42 
    U.S.C. 1382j) is amended by striking ``three years'' each place such 
    term appears and inserting ``5 years''.
        (2) Effective date.--The amendments made by paragraph (1) shall 
    take effect on January 1, 1994.
    (b) Reinstatement of Prior Law.--
        (1) In general.--Section 1621 of the Social Security Act (42 
    U.S.C. 1382j), as amended by subsection (a)(1) of this section, is 
    amended by striking ``5 years'' each place such term appears and 
    inserting ``3 years''.
        (2) Effective date.--The amendments made by paragraph (1) shall 
    take effect on October 1, 1996.

SEC. 8. TREATMENT OF RAILROAD WORKERS.

    (a) Extension of Program.--
        (1) In general.--Paragraphs (1) and (2) of section 501(b) of the 
    Emergency Unemployment Compensation Act of 1991 (Public Law 102-164, 
    as amended) are each amended by striking ``October 2, 1993'' and 
    inserting ``January 1, 1994''.
        (2) Conforming amendment.--Section 501(a) of such Act is amended 
    by striking ``October 1993'' and inserting ``January 1994''.
    (b) Length of Benefits During Period of Extension.--Section 
501(d)(2)(B)(ii) of such Act is amended by striking ``on and after the 
date on which a reduction in benefits is imposed under section 
102(b)(2)(A)(iv)'' and inserting ``after October 2, 1993''.
    (c) Termination of Benefits.--Section 501(e) of such Act is 
amended--
        (1) by striking ``October 2, 1993'' and inserting ``January 1, 
    1994'', and
        (2) by striking ``January 15, 1994'' and inserting ``March 26, 
    1994''.

SEC. 9. EFFECTIVE DATES.

    (a) Repeal of Disregard of Rights to Regular Compensation.--
Notwithstanding the provisions of section 3(b) of this Act, the repeal 
made by section 3(a) of this Act shall apply to weeks of unemployment 
beginning after October 2, 1993, except that such repeal shall not apply 
in determining eligibility for emergency unemployment compensation from 
an account established before October 3, 1993.
    (b) Railroad Workers.--
        (1) In general.--Paragraphs (1) and (2) of section 501(b) of the 
    Emergency Unemployment Compensation Act of 1991 (Public Law 102-164, 
    as amended), as amended by section 8(a)(1) of this Act, are each 
    amended by striking ``January 1, 1994'' and inserting ``February 5, 
    1994''.
        (2) Conforming amendment.--Section 501(a) of such Emergency 
    Unemployment Compensation Act of 1991, as amended by section 8(a)(2) 
    of this Act, is amended by striking ``January 1994'' and inserting 
    ``February 1994''.
        (3) Termination of benefits.--Section 501(e) of such Emergency 
    Unemployment Compensation Act of 1991, as amended by section 8(c) of 
    this Act, is amended--
            (A) by striking ``January 1, 1994'' and inserting ``February 
        5, 1994'', and
            (B) by striking ``March 26, 1994'' and inserting ``April 30, 
        1994''.







                                Speaker of the House of Representatives.







                             Vice President of the United States and    
                                                President of the Senate.

Output: Unemployment Compensation Amendments of 1993 - Amends the Emergency Unemployment Compensation Act of 1991 to extend to February 5, 1994, the authorization for new claims for benefits under the emergency unemployment compensation (EUC) program.  Reduces the number of benefit weeks available during such extended period after October 2, 1993, to seven or 13, as applicable.  Modifies the final phase-out period for continuation of claims. Repeals provisions which allow certain claimants who have exhausted benefits to choose EUC benefits in lieu of regular State benefits at the beginning of a new benefit year. Amends the Social Security Act to require the State agency administering the State unemployment law to establish and use a system of worker profiling of all new claimants for regular compensation to:  (1) identify which claimants will be likely to exhaust regular compensation and will need job search assistance services; (2) refer identified claimants to reemployment services available under State or Federal law; and (3) collect follow-up information on such services and employment outcomes.  Directs the Secretary of Labor to report to the Congress on such profiling system. Makes a technical amendment to Unemployment Trust Fund provisions. Extends a reporting date for an advisory council on unemployment compensation. Provides for a temporary increase in the sponsorship period for aliens under the supplemental security income program. Provides for an extension of the program of emergency unemployment compensation benefits for railroad workers.


Input: Consider Input: SECTION 1. ESTABLISHMENT OF NEW FASHION MODEL NONIMMIGRANT 
              CLASSIFICATION.

    (a) In General.--
            (1) New classification.--Section 101(a)(15)(P) of the 
        Immigration and Nationality Act (8 U.S.C. 1101(a)(15)(P)) is 
        amended--
                    (A) in clause (iii), by striking ``or'' at the end;
                    (B) in clause (iv), by striking ``clause (i), (ii), 
                or (iii)'' and inserting ``clause (i), (ii), (iii), or 
                (iv)'';
                    (C) by redesignating clause (iv) as clause (v); and
                    (D) by inserting after clause (iii) the following:
                    ``(iv) is a fashion model who is of distinguished 
                merit and ability and who is seeking to enter the 
                United States temporarily to perform fashion modeling 
                services that involve events or productions which have 
                a distinguished reputation or that are performed for an 
                organization or establishment that has a distinguished 
                reputation for, or a record of, utilizing prominent 
                modeling talent; or''.
            (2) Authorized period of stay.--Section 214(a)(2)(B) of the 
        Immigration and Nationality Act (8 U.S.C. 1184(a)(2)(B)) is 
        amended in the second sentence--
                    (A) by inserting ``or fashion models'' after 
                ``athletes''; and
                    (B) by inserting ``or fashion model'' after 
                ``athlete''.
            (3) Numerical limitation.--Section 214(c)(4) of the 
        Immigration and Nationality Act (8 U.S.C. 1184(c)(4)) is 
        amended by adding at the end the following:
    ``(I)(i) The total number of aliens who may be issued visas or 
otherwise provided nonimmigrant status during any fiscal year under 
section 101(a)(15)(P)(iv) may not exceed 1,000.
    ``(ii) The numerical limitation established by clause (i) shall 
only apply to principal aliens and not to the spouses or children of 
such aliens.
    ``(iii) An alien who has already been counted toward the limitation 
established by clause (i) shall not be counted again during the same 
period of stay or authorized extension under subsection (a)(2)(B), 
irrespective of whether there is a change in petitioner under 
subparagraph (C).''.
            (4) Consultation.--
                    (A) In general.--Section 214(c)(4)(D) of the 
                Immigration and Nationality Act (8 U.S.C. 
                1184(c)(4)(D)) is amended by striking ``clause (i) or 
                (iii)'' and inserting ``clause (i), (iii), or (iv)''.
                    (B) Advisory opinion.--Section 214(c)(6)(A)(iii) of 
                the Immigration and Nationality Act (8 U.S.C. 
                1184(c)(6)(A)(iii)) is amended--
                            (i) by striking ``section 101(a)(15)(P)(i) 
                        or 101(a)(15)(P)(iii),'' and inserting ``clause 
                        (i), (iii), or (iv) of section 
                        101(a)(15)(P),''; and
                            (ii) by striking ``of athletics or 
                        entertainment''.
                    (C) Expedited procedures.--Section 214(c)(6)(E)(i) 
                of the Immigration and Nationality Act (8 U.S.C. 
                1184(c)(6)(E)(i)) is amended by striking ``artists or 
                entertainers'' and inserting ``artists, entertainers, 
                or fashion models''.
    (b) Elimination of H-1B Classification for Fashion Models.--Section 
101(a)(15)(H)(i)(b) of the Immigration and Nationality Act (8 U.S.C. 
1101(a)(15)(H)(i)(b)) is amended--
            (1) by striking ``or as a fashion model''; and
            (2) by striking ``or, in the case of a fashion model, is of 
        distinguished merit and ability''.
    (c) Effective Date and Implementation.--
            (1) In general.--The amendments made by this section shall 
        take effect on the date of the enactment of this Act.
            (2) Regulations, guidelines, and precedents.--The 
        regulations, guidelines and precedents in effect on the date of 
        the enactment of this Act for the adjudication of petitions for 
        fashion models under section 101(a)(15)(H)(i)(b) of the 
        Immigration and Nationality Act (8 U.S.C. 
        1101(a)(15)(H)(i)(b)), shall be applied to petitions for 
        fashion models under section 101(a)(15)(P)(iv) of the 
        Immigration and Nationality Act (8 U.S.C. 1101(a)(15)(P)(iv)), 
        as added by this Act, except to the extent modified by the 
        Secretary of Homeland Security through final regulations (not 
        through interim regulations) promulgated in accordance with 
        subchapter II of chapter 5, and chapter 7, of title 5, United 
        States Code (commonly known as the ``Administrative Procedure 
        Act'').
            (3) Construction.--Nothing in this section shall be 
        construed as preventing an alien who is a fashion model from 
        obtaining nonimmigrant status under section 101(a)(15)(O)(i) of 
        the Immigration and Nationality Act (8 U.S.C. 
        1101(a)(15)(O)(i)) if such alien is otherwise qualified for 
        such status.
            (4) Treatment of pending petitions.--Petitions filed on 
        behalf of fashion models under section 101(a)(15)(H)(i)(b) of 
        the Immigration and Nationality Act (8 U.S.C. 
        1101(a)(15)(H)(i)(b)) that are pending on the date of the 
        enactment of this Act shall be treated as if they had been 
        filed under section 101(a)(15)(P)(iv) of the Immigration and 
        Nationality Act (8 U.S.C. 1101(a)(15)(P)(iv)), as added by this 
        Act.

Output: Amends the Immigration and Nationality Act to replace the current nonimmigrant (H-1B) visa category for fashion models with a new (P-4) visa category.

Defines such category as a fashion model who is of distinguished merit and ability and who is seeking to enter the United States temporarily to perform fashion modeling services that involve events or productions which have a distinguished reputation or that are performed for an organization or establishment that has a distinguished reputation for, or a record of, utilizing prominent modeling talent.

Provides that such entrants may not: (1) exceed 1,000 in any fiscal year, not including accompanying spouses or children; and (2) stay in the United States for more than 10 years (initial five-year period with one five-year extension).

Makes an employer petition for such alien models eligible for expedited consultation procedures.

States that applicable H-1B regulations, guidelines, and precedents in effect on the date of the enactment of this Act for the adjudication of fashion model petitions shall be applied to P-4 petitions, except to the extent modified by the Secretary of Homeland Security.


Input: Consider Input: SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Insurance Disclosure Act of 1995''.

SEC. 2. DISCLOSURES BY INSURERS TO APPLICANTS.

    (a) Requirement To Provide Written Explanation or Notice of 
Declination.--The Secretary of Housing and Urban Development shall, by 
regulation, require that each insurer who, through the insurer, or an 
agent or broker, declines a written application or written request to 
issue an insurance policy under a designated line shall provide to the 
applicant at the time of such declination, through such insurer, agent, 
or broker, one of the following:
            (1) A written explanation of the specific reasons for the 
        declination.
            (2) Written notice that (A) the applicant may submit to the 
        insurer, agent, or broker, within 90 days of such notice, a 
        written request for a written explanation of the reasons for 
        the declination, and (B) pursuant to such a request, an 
        explanation shall be provided to the applicant within 21 days 
        after receipt of such request.
    (b) Response to Request for Explanation.--If an insurer, agent, or 
broker making a declination receives a written request referred to in 
subsection (a)(2) within such 90-day period, the insurer, agent, or 
broker shall provide a written explanation referred to in such 
subsection within such 21-day period.

SEC. 3. DISCLOSURES BY INSURERS TO POLICYHOLDERS.

    The Secretary of Housing and Urban Development shall, by 
regulation, require that each insurer who cancels or refuses to renew 
an insurance policy under a designated line shall provide to the 
policyholder, in writing and within an appropriate period of time as 
determined by the Secretary, the reasons for canceling or refusing to 
renew the policy.

SEC. 4. CONSIDERATION OF MODEL ACTS.

    In issuing regulations under sections 2 and 3, the Secretary shall 
consider relevant portions of model acts developed by the National 
Association of Insurance Commissioners.

SEC. 5. EFFECT ON STATE LAWS.

    Sections 2 and 3 shall not be construed to annul, alter, or effect, 
or exempt any insurer, agent, or broker subject to the provisions of 
such sections from complying with any laws or requirements of any State 
with respect to notifying insurance applicants or policyholders of the 
reasons for declination or cancellation of, or refusal to renew 
insurance, except to the extent that such laws or requirements are 
inconsistent with such sections (or the regulations issued thereunder) 
and then only to the extent of such inconsistency. The Secretary is 
authorized to determine whether such inconsistencies exist and to 
resolve issues regarding such inconsistencies. The Secretary may not 
provide that any State law or requirement is inconsistent with section 
2 or 3 if it imposes requirements equivalent to the requirements under 
such sections or requirements that are more stringent or comprehensive, 
in the determination of the Secretary.

SEC. 6. IMMUNITY.

    In issuing regulations under sections 2 and 3, the Secretary shall 
specifically consider the necessity of providing insurers, agents, and 
brokers immunity solely for the act of conveying or communicating the 
reasons for a declination or cancellation of, or refusal to renew 
insurance on behalf of a principal making such decision. The Secretary 
may provide for immunity under the regulations issued under sections 2 
and 3 if the Secretary determines that such a provision is necessary 
and in the public interest, except that the Secretary may not provide 
immunity for any conduct that is negligent, reckless, or willful.

SEC. 7. DESIGNATION OF LINES OF INSURANCE.

    (a) In General.--The Secretary shall, by regulation, designate 
lines of insurance as designated lines for purposes of this Act, as 
follows:
            (1) Automobile.--The Secretary shall designate private 
        passenger automobile insurance and shall also designate any 
        sublines and coverage types of private passenger automobile 
        insurance that the Secretary considers appropriate for purposes 
        of this Act.
            (2) Noncommercial insurance for residential property.--The 
        Secretary shall designate homeowners insurance and dwelling 
        fire and allied lines, and shall distinguish the coverage types 
        in such lines by the perils covered and by market or 
        replacement value, as the Secretary considers appropriate for 
        purposes of this Act. For purposes of this Act, homeowners 
        insurance shall not include any renters coverage or coverage 
        for the personal property of a condominium owner.
    (b) Report.--At any time the Secretary determines that any line of 
insurance not described in subsection (a) should be a designated line 
because disparities in coverage provided under such line exist among 
geographic areas having different income levels or racial composition, 
the Secretary shall submit a report to the Congress recommending 
designating such line of insurance as a designated line for purposes of 
this Act.
    (c) Duration.--
            (1) In general.--Except as provided in paragraph (2), the 
        Secretary shall make the designations under this section once 
        every 5 years, by regulation, and each line and subline or 
        coverage type designated under such regulations shall be 
        designated for the 5-year period beginning upon the issuance of 
such regulations.
            (2) Alteration.--During any 5-year period referred to in 
        paragraph (1) in which designations are in effect, the 
        Secretary may amend or revise the designated lines, sublines, 
        and coverage types only by regulation and only in accordance 
        with the requirements of this section. Such regulations 
        amending or revising designations shall apply only to that 
        portion of the 5-year period during which such amendment or 
        revision is made that remains after the expiration of the 6-
        month period beginning on the date of issuance of the 
        regulations.
    (d) Timing of Designations.--The Secretary shall make the 
designations required by subsection (c)(1) and notify interested 
parties during the 6-month period ending 6 months before the 
commencement of the 5-year period to which such designations apply.
    (e) Obtaining Information.--The Secretary may require insurers to 
submit to the Secretary such information as the Secretary considers 
necessary to make designations specifically required under this 
section. The Secretary may not require insurers to submit any 
information under this subsection that relates to any line of insurance 
not specifically authorized to be designated pursuant to this section 
or that is to be used solely for the purpose of a report under 
subsection (b).

SEC. 8. STATE ENFORCEMENT.

    The Secretary may authorize the States to enforce the requirements 
under regulations issued under sections 2 and 3.

SEC. 9. ENFORCEMENT.

    (a) Civil Penalties.--Any insurer who is determined by the 
Secretary, after providing opportunity for a hearing on the record, to 
have violated any requirement pursuant to this Act shall be subject to 
a civil penalty of not to exceed $5,000 for each day during which such 
violation continues.
    (b) Injunction.--The Secretary may bring an action in an 
appropriate United States district court for appropriate declaratory 
and injunctive relief against any insurer who violates the requirements 
referred to in subsection (a).

SEC. 10. DEFINITIONS.

    For purposes of this Act:
            (1) Agent.--The term ``agent'' means, with respect to an 
        insurer, an agent licensed by a State who sells property and 
        casualty insurance. The term includes agents who are employees 
        of the insurer, agents who are independent contractors working 
        exclusively for the insurer, and agents who are independent 
        contractors appointed to represent the insurer on a 
        nonexclusive basis.
            (2) Designated line.--The term ``designated line'' means a 
        line of insurance designated by the Secretary under section 7.
            (3) Insurance.--The term ``insurance'' means property and 
        casualty insurance. Such term includes primary insurance, 
        surplus lines insurance, and any other arrangement for the 
        shifting and distributing of risks that is determined to be 
        insurance under the law of any State in which the insurer or 
        insurer group engages in an insurance business.
            (4) Insurer.--The term ``insurer'' means any corporation, 
        association, society, order, firm, company, mutual, 
        partnership, individual, aggregation of individuals, or any 
        other legal entity that is authorized to transact the business 
        of property or casualty insurance in any State or that is 
        engaged in a property or casualty insurance business. The term 
        does not include an individual or entity which represents an 
        insurer as agent solely for the purpose of selling or which 
        represents a consumer as a broker solely for the purpose of 
        buying insurance.
            (5) Property and casualty insurance.--The term ``property 
        and casualty insurance'' means insurance against loss of or 
        damage to property, insurance against loss of income or extra 
        expense incurred because of loss of, or damage to, property, 
        and insurance against third party liability claims caused by 
        negligence or imposed by statute or contract. Such term does 
        not include workers' compensation, professional liability, or 
        title insurance.
            (6) Secretary.--The term ``Secretary'' means the Secretary 
        of Housing and Urban Development.
            (7) State.--The term ``State'' means any State, the 
        District of Columbia, the Commonwealth of Puerto Rico, the 
        Northern Mariana Islands, the Virgin Islands, American Samoa, 
        and the Trust Territory of the Pacific Islands.

SEC. 11. REGULATIONS.

    (a) In General.--The Secretary shall issue any regulations required 
under this Act and any other regulations that may be necessary to carry 
out this Act. The regulations shall be issued through rulemaking in 
accordance with the procedures under section 553 of title 5, United 
States Code, for substantive rules. Except as otherwise provided in 
this Act, the final regulations to carry out this Act shall be issued 
not later than the expiration of the 18-month period beginning on the 
date of the enactment of this Act and shall take effect upon issuance.
    (b) Burdens.--In prescribing such regulations, the Secretary shall 
take into consideration the administrative, paperwork, and other 
burdens on insurance agents, including independent insurance agents, 
involved in complying with the requirements of this Act and shall 
minimize the burdens imposed by such requirements with respect to such 
agents.


Output: Insurance Disclosure Act of 1995 - Instructs the Secretary of Housing and Urban Development to require insurers to provide written disclosures to applicants and policyholders, stating the reasons for: (1) declining a written application; or (2) cancelling or refusing to renew an existing policy. 
Authorizes the Secretary to provide immunity to insurers, agents, and brokers regarding their communication of a cancellation, denial, or nonrenewal of insurance. 
Prescribes guidelines under which the Secretary shall designate certain lines of insurance. 
Sets forth enforcement guidelines, including civil penalties and injunctive relief.