instruction:
In this task, you are given text for US Congressional and California state bills, your task is to generate a summary for this bill.
question:
SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Keeping Families Home Act of 2014''.

SEC. 2. DEED-FOR-LEASE PROGRAM.

    (a) Establishment.--
            (1) In general.--Each servicer shall establish a deed-for-
        lease program (hereinafter referred to as the ``Program''), 
        which shall permit an eligible mortgagor to--
                    (A) enter into a deed in lieu of foreclosure 
                agreement;
                    (B) continue to occupy and lease the property that 
                is the subject of such agreement for a 1-year period 
                that begins on the date of such agreement; and
                    (C) have a right of first refusal to purchase such 
                property after the end of the 1-year lease period, if 
                the owner of the property intends to sell the property 
                at that time.
            (2) Exception for small servicers.--The Program requirement 
        under paragraph (1) shall not apply to a small servicer, as 
        such term is defined by the Secretary of Housing and Urban 
        Development.
    (b) Notice Requirement.--Servicers shall provide each eligible 
mortgagor with information about the Program and how to apply to 
participate in the Program.
    (c) Lease Terms.--A lease entered into by an eligible mortgagor 
under the Program shall--
            (1) carry a monthly rent amount equal to the fair market 
        rent for such property, as determined by an independent private 
        appraiser hired by and paid by the servicer; and
            (2) contain all typical lease provisions for similar rental 
        property.
    (d) Application Process.--
            (1) In general.--An eligible mortgagor may apply for the 
        Program at any time.
            (2) Effect of foreclosure sale.--If there is a foreclosure 
        sale pending with respect to the property--
                    (A) the eligible mortgagor may only apply for the 
                Program before the date that is 7 days before the date 
                of such foreclosure sale; and
                    (B) once the eligible mortgagor applies for the 
                Program, the foreclosure sale shall be halted until 
                after the eligible mortgagor's Program application has 
                been evaluated.
            (3) Contents of application.--
                    (A) In general.--In applying for the Program, an 
                eligible mortgagor shall provide the servicer with 
                proof of the following information:
                            (i) The eligible mortgagor is subject to a 
                        financial hardship that makes the eligible 
                        mortgagor unable to continue making timely 
                        payments on the eligible mortgage loan.
                            (ii) The eligible mortgagor is eligible to 
                        pay the monthly rent amount described under 
                        subsection (c)(1) and such amount is no more 
                        than 31 percent of the eligible mortgagor's 
                        monthly income.
                            (iii) The eligible mortgagor currently 
                        lives in the property and intends to continue 
                        doing so during the 1-year lease term.
                    (B) Ability to pay higher percentage of income in 
                rent.--Notwithstanding subparagraph (A)(ii), if an 
                eligible mortgagor believes they are able pay the 
                monthly rent amount despite such amount exceeding 31 
                percent of the eligible mortgagor's monthly income, the 
                eligible mortgagor may request that the Department of 
                Housing and Urban Development review their information, 
                along with any contributing factors the eligible 
                mortgagor may have (such as a low debt burden) and, if 
                the Department notifies the eligible mortgagor that the 
                Department agrees that the eligible mortgagor is able 
                to pay a monthly rent amount that is equal to a 
                percentage of their monthly income that is higher than 
                31 percent, such higher percentage shall be used for 
                purposes of subparagraph (A)(ii).
            (4) Effect of junior liens.--If an eligible mortgagor 
        applies for a Program with respect to a single family property 
        subject to a junior lien--
                    (A) if the servicer of the Program is also the 
                holder of the junior lien, the servicer shall release 
                the junior lien and, subject to the other requirements 
                of this section, the eligible mortgagor shall be 
                eligible to participate in the Program; and
                    (B) if the servicer of the Program is not the 
                holder of the junior lien, the servicer shall contact 
                such junior lien holder and request that the holder 
                release the lien, and--
                            (i) if the holder releases the lien, then, 
                        subject to the other requirements of this 
                        section, the eligible mortgagor shall be 
                        eligible to participate in the Program; and
                            (ii) if the holder does not release the 
                        lien, then the eligible mortgagor shall not be 
                        eligible to participate in the Program.
    (e) Evaluation and Notification.--
            (1) Deadline for evaluation.--The servicer shall evaluate 
        the eligible mortgagor's application within 30 days of 
        receiving such application and shall accept an eligible 
        mortgagor into the Program if the eligible mortgagor has 
        provided the proof described under subsection (d)(3)(A).
            (2) Notification.--Promptly after making a determination 
        under paragraph (1), the servicer shall notify the eligible 
        mortgagor of such determination in writing and, if the servicer 
        determines that the eligible mortgagor may not be accepted into 
        the Program, the servicer shall specifically explain in writing 
        why the eligible mortgage was not accepted.
    (f) Subsequent Owners Follow Program Requirements.--Any subsequent 
owner of the property being leased pursuant to the Program shall--
            (1) maintain the Program and abide by the terms of the 
        Program to the same extent as the servicer of the eligible 
        mortgage; and
            (2) certify to the Department of Housing and Urban 
        Development, before finalizing any purchase of the property, 
        that they will abide by the terms of the Program.
    (g) Rulemaking; Compliance Evaluation.--The Department of Housing 
and Urban Development shall--
            (1) issue such regulations as may be necessary to carry out 
        this section;
            (2) evaluate the compliance by servicers and owners with 
        the requirements of this section; and
            (3) enforce the requirements of this section.
    (h) Definitions.--For purposes of this section:
            (1) Eligible mortgagor.--The term ``eligible mortgagor'' 
        means a mortgagor under an eligible mortgage.
            (2) Eligible mortgage.--The term ``eligible mortgage'' 
        means a first or subordinate mortgage on a property that--
                    (A) is a single family property; and
                    (B) is currently being used as the principal 
                residence of the eligible mortgagor.
            (3) Single family property.--The term ``single family 
        property'' means--
                    (A) a structure consisting of 1 to 4 dwelling 
                units;
                    (B) a dwelling unit in a multi-unit condominium 
                property together with an undivided interest in the 
                common areas and facilities serving the property;
                    (C) a dwelling unit in a multi-unit project for 
                which purchase of stock or a membership interest 
                entitles the purchaser to permanent occupancy of that 
                unit; or
                    (D) a manufactured housing unit.
answer:
Keeping Families Home Act of 2014 - Directs each mortgage servicer to establish a deed-for-lease program which shall permit an eligible mortgagor to:  enter into a deed in lieu of foreclosure agreement; continue to occupy and lease the property that is the subject of the agreement for one year; and have a right of first refusal to purchase such property after the end of the one-year lease period, if the owner intends to sell the property at that time.  Exempts small servicers from such requirement. Requires a lease to carry a monthly rent amount equal to the fair market rent for the property, as determined by an independent private appraiser hired by and paid by the servicer.


question:
SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Consumer Telephone Records 
Protection Act of 2006''.

SEC. 2. FINDINGS.

    Congress finds that--
            (1) telephone records can be of great use to criminals 
        because the information contained in call logs listed in such 
        records include a wealth of personal information;
            (2) many call logs reveal the names of many users' doctors, 
        public and private relationships, business associates, and 
        more;
            (3) although other personal information, such as social 
        security numbers may appear in public documents, which can be 
        accessed by data brokers, the only warehouse of telephone 
        records is located at the telephone companies themselves; and
            (4) telephone records may be accessed without authorization 
        of the customer by--
                    (A) an employee of the telephone company selling 
                the data;
                    (B) ``pretexting'', whereby a data broker or other 
                person pretends to be the owner of the phone and 
                convinces the telephone company's employees to release 
                the data to them; or
                    (C) unauthorized access of accounts via the 
                Internet; and
            (5) because telephone companies encourage customers to 
        manage their accounts online, many set up the online capability 
        in advance. Many customers never access their Internet 
        accounts, however. If someone seeking the information activates 
        the account before the customer, he or she can gain unfettered 
        access to the telephone records and call logs of that customer.

SEC. 3. PRIVACY PROTECTION FOR CUSTOMER INFORMATION OF 
              TELECOMMUNICATIONS CARRIERS.

    (a) Prohibition on Obtaining Customer Information by False 
Pretenses.--It shall be unlawful for any person to obtain or attempt to 
obtain, or cause to be disclosed or attempt to cause to be disclosed to 
any person, customer proprietary network information relating to any 
other person by--
            (1) making a false, fictitious, or fraudulent statement or 
        representation to an officer, employee, or agent of a 
        telecommunications carrier; or
            (2) by providing, through any means including the Internet, 
        any document or other information to a telecommunications 
        carrier or an officer, employee, or agent of a 
        telecommunications carrier, knowing that the document or other 
        information is forged, counterfeit, lost, or stolen, was 
        obtained fraudulently or without the customer's consent, or 
        contains a false, fictitious, or fraudulent statement or 
        representation.
    (b) Prohibition on Solicitation of a Person to Obtain Customer 
Information Under False Pretenses.--It shall be unlawful to request a 
person to obtain customer proprietary network information of a 
telecommunications carrier, knowing that the person will obtain, or 
attempt to obtain, the information from the telecommunications carrier 
in the manner described in subsection (a).
    (c) Prohibition on Sale or Other Disclosure of Customer Information 
Obtained Under False Pretenses.--It shall be unlawful for any person to 
sell customer proprietary network information relating to any other 
person, knowing that such information was obtained in the manner 
described in subsection (a).
    (d) Nonapplicability to Law Enforcement Agencies.--No provision of 
this section shall be construed so as to prevent any action by a law 
enforcement agency, or any officer, employee, or agent of such agency, 
to obtain customer proprietary network information of a 
telecommunications carrier in connection with the performance of 
official duties of the agency.

SEC. 4. TELECOMMUNICATIONS CARRIER NOTIFICATION REQUIREMENT.

    Section 222 of the Communications Act of 1934 (47 U.S.C. 222) is 
amended--
            (1) by redesignating subsection (h) as subsection (i); and
            (2) by inserting after subsection (g) the following new 
        subsection:
    ``(h) Notice of Violations.--The Commission shall by regulation 
require each telecommunications carrier to notify the customer of any 
incidents in which such telecommunications carrier becomes or is made 
aware in which customer proprietary network information relating to 
such customer is disclosed to someone other than the customer in 
violation of this section or section 3 of the Consumer Telephone 
Records Protection Act of 2006.''.

SEC. 5. ENFORCEMENT BY THE FEDERAL TRADE COMMISSION.

    A violation of section 3 shall be treated as an unfair or deceptive 
act or practice in violation of section 5 of the Federal Trade 
Commission Act (15 U.S.C. 45). All of the functions and powers of the 
Federal Trade Commission under that Act are available to the Commission 
to enforce compliance by any person with such section, irrespective of 
whether that person is engaged in commerce or meets any other 
jurisdictional tests in the Federal Trade Commission Act, including the 
power to enforce the provisions of such section in the same manner as 
if the violation had been a violation of a Federal Trade Commission 
trade regulation rule.

SEC. 6. CRIMINAL PENALTY.

    (a) In General.--Whoever knowingly and intentionally violates 
section 3 shall be fined in accordance with title 18, United States 
Code, or imprisoned for not more than 5 years, or both.
    (b) Enhanced Penalties for Aggravated Cases.--Whoever violates 
section 3 while violating another law of the United States or as part 
of a pattern of any illegal activity involving more than $100,000, or 
more than 50 customers of a telecommunications carrier, in a 12-month 
period shall be fined twice the amount provided in section 3571 of 
title 18, or imprisoned for not more than 10 years, or both.

SEC. 7. DEFINITIONS.

    As used in this Act, the following definitions apply:
            (1) Customer proprietary network information.--The term 
        ``customer proprietary network information'' has the meaning 
        given such term in section 222(h)(1) of the Communications Act 
        of 1934 (47 U.S.C. 222(h)(1)).
            (2) Telecommunications carrier.--The term 
        ``telecommunications carrier'' has the meaning given such term 
        in section 3(44) of the Communications Act of 1934 (47 U.S.C. 
        153(44)).
answer:
Consumer Telephone Records Protection Act of 2006 - Prohibits any person from obtaining or causing the disclosure of, or requesting another person to obtain, customer proprietary network information relating to another person by: (1) making a false statement to a telecommunications carrier; or (2) providing any information knowing that it is counterfeit, that it was obtained fraudulently or without the customer's consent, or that it contains a false statement. Prohibits a person from selling customer information relating to any other person knowing it was obtained in such manner.

Amends the Communications Act of 1934 to direct the Federal Communications Commission (FCC) to require each telecommunications carrier to notify a customer when proprietary network information relating to such customer is disclosed in violation of such prohibitions.

Treats a violation as an unfair or deceptive act or practice in violation of the Federal Trade Commission Act. Gives all of the functions and powers of the Federal Trade Commission (FTC) under that Act to the FCC to enforce compliance. Prescribes penalties, which double for violations that are part of a pattern of illegal activity.


question:
SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Security and Freedom Through 
Encryption (SAFE) Act''.

SEC. 2. SALE AND USE OF ENCRYPTION.

    (a) In General.--Part I of title 18, United States Code, is amended 
by inserting after chapter 121 the following new chapter:

        ``CHAPTER 122--ENCRYPTED WIRE AND ELECTRONIC INFORMATION

``2801. Definitions.
``2802. Freedom to use encryption.
``2803. Freedom to sell encryption.
``2804. Prohibition on mandatory key escrow.
``2805. Unlawful use of encryption in furtherance of a criminal act.
``Sec. 2801. Definitions
    ``As used in this chapter--
            ``(1) the terms `person', `State', `wire communication', 
        `electronic communication', `investigative or law enforcement 
        officer', `judge of competent jurisdiction', and `electronic 
        storage' have the meanings given those terms in section 2510 of 
        this title;
            ``(2) the terms `encrypt' and `encryption' refer to the 
        scrambling of wire or electronic information using mathematical 
        formulas or algorithms in order to preserve the 
        confidentiality, integrity, or authenticity of, and prevent 
        unauthorized recipients from accessing or altering, such 
        information;
            ``(3) the term `key' means the variable information used in 
        a mathematical formula, code, or algorithm, or any component 
        thereof, used to decrypt wire or electronic information that 
        has been encrypted; and
            ``(4) the term `United States person' means--
                    ``(A) any United States citizen;
                    ``(B) any other person organized under the laws of 
                any State, the District of Columbia, or any 
                commonwealth, territory, or possession of the United 
                States; and
                    ``(C) any person organized under the laws of any 
                foreign country who is owned or controlled by 
                individuals or persons described in subparagraphs (A) 
                and (B).
``Sec. 2802. Freedom to use encryption
    ``Subject to section 2805, it shall be lawful for any person within 
any State, and for any United States person in a foreign country, to 
use any encryption, regardless of the encryption algorithm selected, 
encryption key length chosen, or implementation technique or medium 
used.
``Sec. 2803. Freedom to sell encryption
    ``Subject to section 2805, it shall be lawful for any person within 
any State to sell in interstate commerce any encryption, regardless of 
the encryption algorithm selected, encryption key length chosen, or 
implementation technique or medium used.
``Sec. 2804. Prohibition on mandatory key escrow
    ``(a) Prohibition.--No person in lawful possession of a key to 
encrypted information may be required by Federal or State law to 
relinquish to another person control of that key.
    ``(b) Exception for Access for Law Enforcement Purposes.--
Subsection (a) shall not affect the authority of any investigative or 
law enforcement officer, acting under any law in effect on the 
effective date of this chapter, to gain access to encrypted 
information.
``Sec. 2805. Unlawful use of encryption in furtherance of a criminal 
              act
    ``Any person who willfully uses encryption in furtherance of the 
commission of a criminal offense for which the person may be prosecuted 
in a court of competent jurisdiction--
            ``(1) in the case of a first offense under this section, 
        shall be imprisoned for not more than 5 years, or fined in the 
        amount set forth in this title, or both; and
            ``(2) in the case of a second or subsequent offense under 
        this section, shall be imprisoned for not more than 10 years, 
        or fined in the amount set forth in this title, or both.''.
    (b) Conforming Amendment.--The table of chapters for part I of 
title 18, United States Code, is amended by inserting after the item 
relating to chapter 33 the following new item:

``122. Encrypted wire and electronic information............    2801''.

SEC. 3. EXPORTS OF ENCRYPTION.

    (a) Amendment to Export Administration Act of 1979.--Section 17 of 
the Export Administration Act of 1979 (50 U.S.C. App. 2416) is amended 
by adding at the end thereof the following new subsection:
    ``(g) Computers and Related Equipment.--
            ``(1) General rule.--Subject to paragraphs (2), (3), and 
        (4), the Secretary shall have exclusive authority to control 
        exports of all computer hardware, software, and technology for 
        information security (including encryption), except that which 
        is specifically designed or modified for military use, 
        including command, control, and intelligence applications.
            ``(2) Items not requiring licenses.--No validated license 
        may be required, except pursuant to the Trading With The Enemy 
        Act or the International Emergency Economic Powers Act (but 
        only to the estent that the authority of such Act is not 
        exercised to extend controls imposed under this Act), for the 
        export or reexport of--
                    ``(A) any software, including software with 
                encryption capabilities--
                            ``(i) that is generally available, as is, 
                        and is designed for installation by the 
                        purchaser; or
                            ``(ii) that is in the public domain for 
                        which copyright or other protection is not 
                        available under title 17, United States Code, 
                        or that is available to the public because it 
                        is generally accessible to the interested 
                        public in any form; or
                    ``(B) any computing device solely because it 
                incorporates or employs in any form software (including 
                software with encryption capabilities) exempted from 
                any requirement for a validated license under 
                subparagraph (A).
            ``(3) Software with encryption capabilities.--The Secretary 
        shall authorize the export or reexport of software with 
        encryption capabilities for nonmilitary end-uses in any country 
        to which exports of software of similar capability are 
        permitted for use by financial institutions not controlled in 
        fact by United States persons, unless there is substantial 
        evidence that such software will be--
                    ``(A) diverted to a military end-use or an end-use 
                supporting international terrorism;
                    ``(B) modified for military or terrorist end-use; 
                or
                    ``(C) reexported without any authorization by the 
                United States that may be required under this Act.
            ``(4) Hardware with encryption capabilities.--The Secretary 
        shall authorize the export or reexport of computer hardware 
        with encryption capabilities if the Secretary determines that a 
        product offering comparable security is commercially available 
        outside the United States from a foreign supplier, without 
        effective restrictions.
            ``(5) Definitions.--As used in this subsection--
                    ``(A) the term `encryption' means the scrambling of 
                wire or electronic information using mathematical 
                formulas or algorithms in order to preserve the 
                confidentiality, integrity, or authenticity of, and 
                prevent unauthorized recipients from accessing or 
                altering, such information;
                    ``(B) the term `generally available' means, in the 
                case of software (including software with encryption 
                capabilities), software that is offered for sale, 
                license, or transfer to any person without restriction, 
                whether or not for consideration, including, but not 
                limited to, over-the-counter retail sales, mail order 
                transactions, phone order transactions, electronic 
                distribution, or sale on approval;
                    ``(C) the term `as is' means, in the case of 
                software (including software with encryption 
                capabilities), a software program that is not designed, 
                developed, or tailored by the software publisher for 
                specific purchasers, except that such purchasers may 
                supply certain installation parameters needed by the 
                software program to function properly with the 
                purchaser's system and may customize the software 
                program by choosing among options contained in the 
                software program;
                    ``(D) the term `is designed for installation by the 
                purchaser' means, in the case of software (including 
                software with encryption capabilities) that--
                            ``(i) the software publisher intends for 
                        the purchaser (including any licensee or 
                        transferee), who may not be the actual program 
                        user, to install the software program on a 
                        computing device and has supplied the necessary 
                        instructions to do so, except that the 
                        publisher may also provide telephone help line 
                        services for software installation, electronic 
                        transmission, or basic operations; and
                            ``(ii) the software program is designed for 
                        installation by the purchaser without further 
                        substantial support by the supplier;
                    ``(E) the term `computing device' means a device 
                which incorporates one or more microprocessor-based 
                central processing units that can accept, store, 
                process, or provide output of data; and
                    ``(F) the term `computer hardware', when used in 
                conjunction with information security, includes, but is 
                not limited to, computer systems, equipment, 
                application-specific assemblies, modules, and 
                integrated circuits.''.
    (b) Continuation of Export Administration Act.--For purposes of 
carrying out the amendment made by subsection (a), the Export 
Administration Act of 1979 shall be deemed to be in effect.
answer:

Security and Freedom Through Encryption (SAFE) Act - Amends the Federal criminal code to permit any person within any State, and any U.S. person in a foreign country, to use any encryption regardless of the encryption algorithm selected, encryption key length chosen, or implementation technique or medium used, with an exception for the unlawful use of encryption in furtherance of a criminal act. 
Allows any person within any State to sell in interstate commerce any encryption. 
Specifies that no person in lawful possession of a key to encrypted information may be required by Federal or State law to relinquish to another person control of that key, with an exception for access for law enforcement purposes. 
Sets penalties for the willful use of encryption in furtherance of the commission of a criminal offense. 
(Sec. 3) Amends the Export Administration Act of 1979 to grant the Secretary of Commerce exclusive authority to control exports of all hardware, software, and technology for information security (including encryption), except that which is specifically designed or modified for military use. 
Prohibits requiring any validated license (with limited exceptions pursuant to the Trading With The Enemy Act or the International Emergency Economic Powers Act) for the export or reexport of any:  (1) software, including software with encryption capabilities that is generally available as is and that is designed for installation by the purchaser, or that is in the public domain for which copyright or other protection is not available or is available to the public because it is generally accessible to the public in any form; or (2) computing device solely because it incorporates or employs in any form software (including software with encryption capabilities) exempted from any requirement for a validated license under this section. 
Directs the Secretary to authorize the export or reexport of:  (1) software with encryption capabilities for nonmilitary end-uses in any country to which exports of software of similar capability are permitted for use by financial institutions not controlled in fact by U.S. persons, unless there is substantial evidence that such software will be diverted to a military end-use or an end-use supporting international terrorism, modified for military or terrorist end-use, or reexported without any U.S. authorization that may be required under the Act; and (2) computer hardware with encryption capabilities if the Secretary determines that a product offering comparable security is commercially available outside the United States from a foreign supplier without effective restrictions.