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 ``Rural Access to Credit Act of 
2010''.

SEC. 2. BUSINESS AND INDUSTRY DIRECT AND GUARANTEED LOANS.

    (a) Tangible Equity Requirements.--Section 310B(d) of the 
Consolidated Farm and Rural Development Act (7 U.S.C. 1932(d)) is 
amended by striking paragraph (6) and inserting the following:
            ``(6) Equity.--In the case of direct or guaranteed loans 
        under this section, the Secretary shall use commercial lending 
        standards in determining any equity requirement.''.
    (b) General Terms.--Section 310B(g) of the Consolidated Farm and 
Rural Development Act (7 U.S.C. 1932(g)) is amended by adding at the 
end the following:
            ``(10) General terms.--
                    ``(A) Maximum loan guarantee amount.--
                            ``(i) In general.--Notwithstanding any 
                        other provision of this Act, during the period 
                        beginning on the date of enactment of this 
                        paragraph and ending on December 31, 2011, the 
                        Secretary shall guarantee up to 90 percent of a 
                        business and industry loan in an amount of up 
                        to $10,000,000 that is a high priority project, 
                        as determined based on published criteria of 
                        the Secretary that includes rural economic 
                        factors.
                            ``(ii) Subsequent fiscal years.--
                        Notwithstanding any other provision of this 
                        Act, beginning on January 1, 2012, the 
                        Secretary may guarantee up to 80 or 90 percent 
                        (as determined by the Secretary) of a business 
                        and industry loan in an amount of up to 
                        $10,000,000 that is a high priority project, as 
                        determined based on criteria described in 
                        clause (i).
                    ``(B) Line-of-credit loans.--In guaranteeing 
                business and industry loans, the Secretary shall 
                guarantee line-of-credit loans in accordance with 
                section 316(c).
                    ``(C) Refinancing.--
                            ``(i) In general.--A business and industry 
                        loan may be used by a small business to 
                        refinance debt in existence as of the day 
                        before the date on which the loan was made or 
                        guaranteed, if--
                                    ``(I) the project for which the 
                                debt was incurred is viable and will 
                                create or save jobs, as determined by 
                                the Secretary; and
                                    ``(II) as of the date of 
                                application for refinancing--
                                            ``(aa) the underlying loan 
                                        has been current for at least 1 
                                        year; and
                                            ``(bb) the lender is 
                                        providing better rates and 
                                        longer terms than under the 
                                        original loan.
                            ``(ii) Subordinated owner debt.--
                        Subordinated owner debt shall not be eligible 
                        for inclusion in debt described in clause (i).
                    ``(D) Audit standards.--Notwithstanding any other 
                provision of law, the Secretary--
                            ``(i) shall not require audited financial 
                        statements consistent with generally accepted 
                        accounting principles for business and industry 
                        loans of less than $1,000,000; and
                            ``(ii) may waive any requirement for 
                        audited financial statements consistent with 
                        generally accepted accounting principles for 
                        business and industry loans of at least 
                        $1,000,000.
                    ``(E) Calculation of delinquency rates.--To allow 
                accurate comparison of delinquency rates among Federal 
                agencies, in calculating the delinquency rate for 
                business and industry loans, the Secretary shall use 
                the calculation method used by the Administrator of the 
                Small Business Administration.''.
    (c) Sense of Congress Relating to the Rural Microentrepreneur 
Assistance Program.--It is the sense of Congress that in allocating 
discretionary funds of the Secretary of Agriculture, the Secretary of 
Agriculture should give priority to the rural microentrepreneur 
assistance program established under section 379E of the Consolidated 
Farm and Rural Development Act (7 U.S.C. 2008s).
    (d) 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.

A: Rural Access to Credit Act of 2010 - Amends the Consolidated Farm and Rural Development Act to direct the Secretary of Agriculture (USDA) to use commercial lending standards in determining equity requirements for rural entity direct or guaranteed loans.

Directs the Secretary, through December 31, 2011, to guarantee up to 90% of high priority business and industry loans up to $10 million. Authorizes the Secretary, beginning on January 1, 2012, to guarantee up to 80% or 90% of high priority business and industry loans up to $10 million. Directs the Secretary to guarantee related line-of-credit loans.

Authorizes business and industry loans to be used for refinancing.

Waives audit requirements for business and industry loans under $1 million. Authorizes audit waiver for loans of at least $1 million.

Directs the Secretary to use the Small Business Administration (SBA) calculation method in calculating the delinquency rate for business and industry loans.

Expresses the sense of Congress that in allocating discretionary funds the Secretary should give priority to the rural microentrepreneur assistance program.
****
Q: SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Early Education Employee Benefit Act 
of 2002''.

SEC. 2. AUTHORITY TO MAKE GRANTS.

    The Secretary of Health and Human Services may make grants on a 
competitive basis, and payable during a period of not less than 2 years 
and not more than 5 years, to eligible States and political 
subdivisions of States--
            (1) to establish innovative partnerships with private 
        partners to reduce the cost incurred by employees and union 
        members to obtain early education (including child care, 
        preschool, and other early childhood programs), or
            (2) to assist private partners to pay part of the cost of 
        acquiring, building, and renovating physical premises to be 
        used as new early education facilities.

SEC. 3. ELIGIBILITY OF STATES AND POLITICAL SUBDIVISIONS OF STATES TO 
              RECEIVE GRANTS.

    To be eligible to receive a grant under section 2, a State or a 
political subdivision of a State shall submit to the Secretary an 
application at such time, in such form, and containing such information 
as the Secretary may require by rule, including--
            (1) the agency designated by the State, or the political 
        subdivision of a State, to serve as the lead agency that will 
        administer such grant,
            (2) a description of the program such applicant intends to 
        carry out with such grant,
            (3) a description of the source, and increasing annual 
        amount, of the funds such applicant will use to pay the non-
        Federal share of the cost to carry out such program during a 
        period not less than 2 years and not more than 5 years, and
            (4) an agreement that such State or such political 
        subdivision--
                    (A) will contribute (from non-Federal funds) to 
                carry out such program, an amount equal to 50 percent 
                of the amount of such grant,
                    (B) will not require a private partner to offer on-
                site early education as a condition for participation 
                in an Early Education Benefit Agreement, and
                    (C) will use such grant to supplement, not 
                supplant, spending by such State, such political 
                subdivision, and private partners to improve access to 
                and enhance the quality of early education.

SEC. 4. SELECTION OF APPLICANTS TO RECEIVE GRANTS.

    In making grants under this Act, the Secretary shall give priority 
to eligible applicants that--
            (1) are, in the judgment of the Secretary, most likely to 
        increase the number of employees and members who receive an 
        Early Education Benefit through their employers and unions,
            (2) propose innovative public-private partnerships that 
        will carry out early education programs that are likely to be 
        replicated,
            (3) are likely to be sustainable beyond the period during 
        which such grant is expended,
            (4) are developed in consultation with child care resource 
        and referral agencies and networks, and with employers and 
        unions,
            (5) demonstrate the intention and ability to provide--
                    (A) with funds to be expended for the use described 
                in section 5(1), Early Education Benefits through Early 
                Education Benefit Agreements to a significant number of 
                employees of private employers with fewer than 50 
                employees, or
                    (B) with funds to be expended for the use described 
                in section 5(2), Early Education Start-up Grants to 
                private employers with fewer than 50 employees, and
                    (6) have experience working on early childhood 
                issues and working in partnership with the business 
                community, or have an agreement to implement the 
                program funded by a grant made under section 2 through 
                a nonprofit entity with such experience.

SEC. 5. USES OF FUNDS.

    A recipient of a grant made under section 2 shall use such grant--
            (1) to enter into Early Education Benefit Agreements to 
        provide Early Education Benefits, or
            (2) to provide funds to private partners to establish new 
        early education facilities,
except that not more than 5 percent of such grant may be used to pay 
administrative costs incurred by such recipient to carry out this Act, 
including providing outreach to private partners.

SEC. 6. EARLY EDUCATION BENEFIT AGREEMENTS.

    (a) Eligibility.--To be eligible to receive funds to be used for 
the purpose specified in section 5(1) from a grant made under section 
2, a private partner, or consortia of private partners, shall enter 
into an Early Education Benefit Agreement with the recipient of such 
grant that includes the following:
            (1) An assurance that such private partner, or such 
        consortia, will pay not less than--
                    (A) \1/3\ of the cost of such Early Education 
                Benefit, or
                    (B) \1/5\ of such cost if such private partner, or 
                such consortia, creates a new early education facility 
                that--
                            (i) serves children less than 2 years of 
                        age or children with disabilities, or
                            (ii) is available during nontraditional 
                        work hours.
            (2) An assurance that such private partner, or such 
        consortia, shall offer such Early Education Benefit on a 
        priority basis to such employees or such members who have lower 
        incomes if such Early Education Benefit is not offered to all 
        such employees or all such members.
            (3) An assurance that if such private partner, or such 
        consortia, requires that such Early Education Benefit received 
        by an employee or member be expended at a limited number of 
        sites where early education (including child care, preschool, 
        and other early childhood programs) is provided, then 
there shall be at least 1 provider of early education (including child 
care, preschool, and other early childhood programs) for which such 
Early Education Benefit may be expended, that is--
                    (A) located at or near the residence or place of 
                employment of such employee or such member, and
                    (B) accredited by the National Association for the 
                Education of Young Children or the National Association 
                for Family Child Care, or taking steps to obtain such 
                accreditation.
            (4) An assurance that early education paid for in whole or 
        in part by such Early Education Benefit will be provided by a 
        provider that is licensed or regulated by the State.
            (5) A detailed description of--
                    (i) the nature of the Early Education Benefit to be 
                provided,
                    (ii) the respective financial contributions of such 
                private partner, or such consortia, and such grant 
                recipient, and the procedures by which such 
                contributions will be made,
                    (iii) the number of employees or members expected 
                to receive the Early Education Benefit provided under 
                such Agreement, and
                    (iv) the estimated total cost of such Benefit to 
                such private partner (or such consortia), such grant 
                recipient, and such employees or such members.
    (b) Selection of Private Partners To Enter Into Early Education 
Benefit Agreements.--In selecting private partners with which to enter 
into Early Education Benefit Agreements, a recipient of a grant made 
under section 2 shall give priority to--
            (1) private partners that will make larger financial 
        contributions to the Early Education Benefit,
            (2) private partners with fewer employees or members,
            (3) private partners that will make an Early Education 
        Benefit available to employees and members on a sliding scale 
        inversely proportional to their level of earned income, and
            (4) private partners that have a history of personnel 
        policies and practices that enable their employees or their 
        members to balance work commitments with family obligations.

SEC. 7. EARLY EDUCATION START-UP GRANTS.

    (a) Eligibility To Receive Funds.--To be eligible to receive funds 
for the use specified in section 5(2) from a grant made under section 
2, a private partner shall agree--
            (1) to subsidize attendance at the proposed new early 
        education facility for children of lower-paid employees or 
        members, and
            (2) to pay not less than \1/3\ of the cost of acquiring, 
        building, and renovating physical premises to be used as such 
        facility.
    (b) Selection of Private Partners To Receive Funds.--In providing 
funds to private partners from a grant received for the use specified 
in section 5(2), a recipient of a grant made under section 2 shall give 
priority to--
            (1) private partners that will create a facility to provide 
        early education that--
                    (A) serves children less than 2 years of age or 
                children with disabilities, or
                    (B) is available during nontraditional hours during 
                which their parents are employed,
            (2) private partners that will operate such a facility that 
        is accredited, has a low ratio of children to adults, or 
        demonstrates other facts that show such facility offers an 
        early education program of high quality,
            (3) private partners that will pay with nongovernmental 
        funds a larger share of the cost of the use for which the Early 
        Education Start-up Grant funds will be expended,
            (4) private partners that have fewer employees or members, 
        and
            (5) private partners that have a history of personnel 
        policies and practices that enable their employees or members 
        to balance work commitments with family obligations.

SEC. 8. REPORTS.

    (a) Reports by Grantees.--The Secretary shall issue rules that 
require each recipient of a grant made under section 2 to submit 
annually to the Secretary a report that includes the following 
information for the fiscal year for which such report is submitted:
            (1) The number of Early Education Benefit Agreements 
        participated in and Start-Up Grants made.
            (2) Information about the private partners, including the 
        industry of which they are a part and their size.
            (3) Information about the number of employees who are both 
        offered and are receiving Early Education Benefits as a result 
        of such grant,including the number and average incomes of 
        employees who are receiving Early Education Benefits and the 
        number of employees who were offered and declined Early 
        Education Benefits.
            (4) Information about the amount of private spending on 
        Early Education Benefits and on the investment in new early 
        education facilities leveraged by the grants.
            (5) If appropriate and available, information about whether 
        and at what level private partners have continued to provide 
        Early Education Benefits after the conclusion of the grantee's 
        participation in an Early Education Benefit Agreement.
    (b) Reports by the Secretary.--The Secretary shall submit to the 
Congress biennially a report that includes the following information 
for the period of 2 fiscal years for which such report is submitted:
            (1) Summaries of the reports received under subsection (a) 
        by the Secretary for such period.
            (2) A description of the implementation of this Act, and 
        its impact on employees' access to early education programs for 
        their children, during such period.

SEC. 9. DEFINITIONS.

    For purposes of this Act:
            (1) Child.--The term ``child'' means an individual who is 
        less that 6 years of age.
            (2) Early Education Benefit.--The term ``Early Education 
        Benefit'' means assistance, in cash or in kind, to pay any part 
        of the cost incurred by employees and union members to obtain 
        early education (including child care, preschool, and other 
        early childhood programs) for their children.
            (3) Early Education Benefit Agreement.--The term ``Early 
        Education Benefit Agreement'' means a contract under which a 
        recipient of a grant under section 2 and a private partner that 
        receives from such recipient funds provided for the use 
        described in section 5(1) agree to provide jointly an Early 
        Education Benefit for children of the members or employees of 
        such private partner.
            (4) Private Partner.--The term ``private partner'' means a 
        private employer, labor union, and consortia of employers or 
        labor unions.
            (5) Secretary.--The term ``Secretary'' means the Secretary 
        of Health and Human Services.

SEC. 10. AUTHORIZATION OF APPROPRIATIONS.

    There are authorized to be appropriated to carry out this Act such 
sums as may be necessary for fiscal years 2003 through 2007.

A: Early Education Employee Benefit Act of 2002 - Authorizes the Secretary of Health and Human Services (HHS) to make competitive matching grants to States and local governments to: (1) enter Early Education Benefit Agreements with private partners to provide part of the cost of Early Education Benefits, which reduce costs incurred by employees and union members to obtain early education (including child care, preschool, and other early childhood programs); or (2) make Early Education Start-Up Grants to assist private partners to pay part of the cost of acquiring, building, and renovating physical premises to be used as new early education facilities, if such partners subsidize attendance at those facilities for children of lower-paid employees or union members.
****
Q: SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Cigars Are Not a Safe Smoking 
Alternative Act''.

SEC. 2. FINDINGS.

    Congress makes the following findings:
            (1) Available scientific evidence demonstrates that regular 
        cigar smoking causes cancer, including cancers of the lip, 
        tongue, mouth, throat, esophagus, larynx, and lung.
            (2) That same evidence demonstrates that cigar smokers 
        increase their risk of pulmonary heart disease by 27 percent 
        and coronary heart disease by 45 percent.
            (3) Cigar use in the United States has risen dramatically 
        by nearly 50 percent over the last 5 years. Premium cigar sales 
        have tripled in the same time period.
            (4) Data from the Centers for Disease Control and 
        Prevention 1997 Youth Risk Behavior Survey indicates that among 
        high school students over 30 percent of the males and 10 
        percent of the females are current cigar smokers.
            (5) Smoking cigars is not a safe alternative to smoking 
        cigarettes. Compared to a cigarette, a large cigar emits up to 
        20 times more ammonia, 5 to 10 times more cadmium (cancer 
        causing metal) and methylethylnitrosamine (cancer causing 
        agent), 80 to 90 times more nitrosamines (a highly carcinogenic 
        tobacco-specific agent), 2 to 3 times more tar, and 9 to 12 
        times more nicotine.

SEC. 3. PROHIBITION ON DISTRIBUTION TO YOUTH.

    (a) Distribution.--
            (1) General rule.--No person may sell or distribute a cigar 
        to any individual who is under the age of 18.
            (2) Location of products.--A retailer of cigars shall 
        ensure that all cigars are located in areas where customers do 
        not have direct access to the products.
            (3) Face-to-face transactions.--A cigar retailer may sell 
        cigars to the ultimate consumer only in a direct, face-to-face 
        exchange.
    (b) Marketing and Advertising.--
            (1) General rule.--The Chairman of the Federal Trade 
        Commission shall impose such restrictions on the sale, 
        advertising, distribution, and marketing of cigars directed at 
        youth as may be appropriate to limit the sale of cigars to 
        individuals who are 18 years of age or older.
            (2) Electronic media.--Cigars may not be advertised on 
        electronic media, including television, radio, and any other 
        form of electronic communication.
    (c) Sponsorship.--The Secretary of Health and Human Services and 
the Chairman of the Federal Trade Commission shall encourage 
manufacturers of cigars to end the practice of paying for, or 
participating in, the placement of cigars in movies and on television 
where a substantial segment of the viewing audience is under the age of 
18 years.
    (d) Definition.--The term ``cigar'' means any roll of tobacco 
wrapped in leaf tobacco or in any substance containing tobacco, 
including small cigars that weigh less than 3 pounds per thousand and 
large cigars that weigh more than 3 pounds per thousand.

SEC. 4. HEALTH WARNINGS.

    The Secretary of Health and Human Services, acting through the 
Chairman of the Federal Trade Commission, shall require such health 
warnings on the labels of cigars, on cigar boxes or other packaging, 
and on advertising and marketing materials and messages as may be 
appropriate to warn cigar users about the health risks presented by 
cigars.

SEC. 5. STUDIES AND REPORTS.

    (a) Secretary's Study.--
            (1) In general.--The Secretary of Health and Human Services 
        shall conduct a study--
                    (A) to determine the health effects of occasional 
                cigar smoking, nicotine dependence demonstrated by 
                cigar smokers, biological uptake of toxic and 
                carcinogenic constituents of cigars, and environmental 
                cigar smoke exposure; and
                    (B) to determine the yields of tar, nicotine, 
                carbon monoxide, and any other additive designated by 
                the Secretary in cigar smoke.
        Manufacturers of cigars shall report to the Secretary on the 
        yields of tar, nicotine, carbon monoxide, and any other 
        additive designated by the Secretary from cigars when smoked.
            (2) Report.--Not later than 1 year after the date of the 
        enactment of this Act, the Secretary of Health and Human 
        Services shall transmit a report to the President and to 
        Congress containing--
                    (A) findings from the cigar health and constituent 
                yield study required under paragraph (1); and
                    (B) such recommendations for legislation or 
                administrative actions as the Secretary deems 
                appropriate.
    (b) FTC Report.--Not later than 1 year after the date of the 
enactment of this Act and biennially thereafter, the Chairman of the 
Federal Trade Commission shall transmit a report to the President and 
to Congress containing--
            (1) a description of the current sales, advertising, and 
        marketing practices associated with cigars; and
            (2) such recommendations for legislation or administrative 
        actions as it deems appropriate.

SEC. 6. MONITORING TRENDS IN YOUTH ACCESS TO CIGARS.

    The Secretary of Health and Human Services, in consultation with 
the Chairman of the Federal Trade Commission and the Secretary of the 
Treasury, shall monitor trends in youth access to, and use of, cigars. 
If evidence suggests that cigars are inappropriately accessible to 
children and adolescents, or that smoking cigars is becoming an 
attractive alternative to smoking cigarettes for children and 
adolescents as a result of differential tax and regulatory treatment, 
sales and marketing practices of cigar manufacturers, changes in 
consumer tastes, or any other reason, the Secretary shall immediately 
notify Congress and make such recommendations for adjusting tax rates 
or other legislative or administrative action necessary to ensure that 
cigars cease to be an attractive alternative to cigarettes for children 
and adolescents.

A:
Cigars Are Not a Safe Smoking Alternative Act - Prohibits any person from selling or distributing a cigar to any individual under 18. Requires that cigar retailers: (1) ensure that all cigars are located in areas where customers do not have direct access; and (2) sell cigars only in face-to-face exchanges.  Directs the Chairman of the Federal Trade Commission (FTC) to impose restrictions on the sale, advertising, distribution, and marketing of cigars directed at youth as appropriate to limit sale to individuals 18 or over.  Prohibits advertising cigars on any form of electronic communication.  Directs the Secretary of Health and Human Services and the Chairman of the FTC to encourage cigar manufacturers to end the practice of paying for, or participating in, the placement of cigars in movies and on television where a substantial segment of the audience is under 18. 
Mandates health warnings on the labels of cigars, cigar packaging, and advertising and marketing materials and messages. 
Requires a study and report to Congress and the President on: (1) the health effects of occasional cigar smoking, nicotine dependence demonstrated by cigar smokers, biological uptake of toxic and carcinogenic constituents of cigars, and environmental cigar smoke exposure; and (2) the yields of tar, nicotine, carbon monoxide, and any other additive designated by the Secretary.  Requires cigar manufacturers to report to the Secretary on those yields.  Requires a study and report to Congress and the President by the Chairman of the FTC on current cigar sales, advertising, and marketing practices. 
Directs the Secretary to monitor trends in youth access to and use of cigars and, if cigars are inappropriately accessible to, or becoming an attractive alternative to smoking cigarettes for, children and adolescents, to notify Congress and make recommendations.
****