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

SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Bus Utility and Safety in School 
Transportation Opportunity and Purchasing Act of 2005''.

SEC. 2. FINDINGS AND PURPOSE.

    (a) Findings.--Congress finds that--
            (1) school transportation issues remain a concern for 
        parents, local educational agencies, lawmakers, the National 
        Highway Traffic Safety Administration, the National 
        Transportation Safety Board, and the Environmental Protection 
        Agency;
            (2) millions of children face potential future health 
        problems because of exposure to noxious fumes emitted from 
        older school buses;
            (3) many rural local educational agencies are operating 
        outdated, unsafe school buses that are failing inspection, 
        resulting in a depletion of the school bus fleets of the local 
        educational agencies; and
            (4) many rural local educational agencies are unable to 
        afford newer and safer buses.
    (b) Purpose.--The purpose of this Act is to establish within the 
Department of Education a Federal cost-sharing program to assist rural 
local educational agencies with older, unsafe school bus fleets in 
purchasing newer, safer school buses.

SEC. 3. DEFINITIONS.

    In this Act:
            (1) Rural local educational agency.--The term ``rural local 
        educational agency'' means a local educational agency, as 
        defined in section 9101 of the Elementary and Secondary 
        Education Act of 1965 (20 U.S.C. 7801), with respect to which--
                    (A) each county in which a school served by the 
                local educational agency is located has a total 
                population density of fewer than 10 persons per square 
                mile;
                    (B) all schools served by the local educational 
                agency are designated with a school locale code of 7 or 
                8, as determined by the Secretary of Education; or
                    (C) all schools served by the local educational 
                agency have been designated, by official action taken 
                by the legislature of the State in which the local 
                educational agency is located, as rural schools for 
                purposes relating to the provision of educational 
                services to students in the State.
            (2) School bus.--The term ``school bus'' means a vehicle 
        the primary purpose of which is to transport students to and 
        from school or school activities.
            (3) Secretary.--The term ``Secretary'' means the Secretary 
        of Education.

SEC. 4. GRANT PROGRAM.

    (a) In General.--From amounts made available under subsection (e) 
for a fiscal year, the Secretary shall provide grants, on a competitive 
basis, to rural local educational agencies to pay the Federal share of 
the cost of purchasing new school buses.
    (b) Application.--
            (1) In general.--Each rural local educational agency that 
        seeks to receive a grant under this Act shall submit to the 
        Secretary for approval an application at such time, in such 
        manner, and accompanied by such information (in addition to 
        information required under paragraph (2)) as the Secretary may 
        require.
            (2) Contents.--Each application submitted under paragraph 
        (1) shall include--
                    (A) documentation that, of the total number of 
                school buses operated by the rural local educational 
                agency, not less than 50 percent of the school buses 
                are in need of repair or replacement;
                    (B) documentation of the number of miles that each 
                school bus operated by the rural local educational 
                agency traveled in the most recent 9-month academic 
                year;
                    (C) documentation that the rural local educational 
                agency is operating with a reduced fleet of school 
                buses;
                    (D) a certification from the rural local 
                educational agency that--
                            (i) authorizes the application of the rural 
                        local educational agency for a grant under this 
                        Act; and
                            (ii) describes the dedication of the rural 
                        local educational agency to school bus 
                        replacement programs and school transportation 
                        needs (including the number of new school buses 
                        needed by the rural local educational agency); 
                        and
                    (E) an assurance that the rural local educational 
                agency will pay the non-Federal share of the cost of 
                the purchase of new school buses under this Act from 
                non-Federal sources.
    (c) Priority.--
            (1) In general.--In providing grants under this Act, the 
        Secretary shall give priority to rural local educational 
        agencies that, as determined by the Secretary--
                    (A) are transporting students in a bus manufactured 
                before 1977;
                    (B) have a grossly depleted fleet of school buses; 
                or
                    (C) serve a school that is required, under section 
                1116(b)(9) of the Elementary and Secondary Education 
                Act of 1965 (20 U.S.C. 6316(b)(9)), to provide 
                transportation to students to enable the students to 
                transfer to another public school served by the rural 
                local educational agency.
    (d) Payments; Federal Share.--
            (1) Payments.--The Secretary shall pay to each rural local 
        educational agency having an application approved under this 
        section the Federal share described in paragraph (2) of the 
        cost of purchasing such number of new school buses as is 
        specified in the approved application.
            (2) Federal share.--The Federal share of the cost of 
        purchasing a new school bus under this Act shall be 75 percent.
    (e) Authorization of Appropriations.--There are authorized to be 
appropriated to carry out this Act--
            (1) $50,000,000 for fiscal year 2006; and
            (2) such sums as are necessary for each of fiscal years 
        2007 through 2011.
Bus Utility and Safety in School Transportation Opportunity and Purchasing Act of 2005 - Directs the Secretary of Education to provide grants, on a competitive basis, to rural local educational agencies (LEAs) to pay the federal share (75%) of costs of purchasing new school buses. Requires the Secretary, in providing such grants, to give priority to rural LEAs that: (1) are transporting students in a bus manufactured before 1977; (2) have a grossly depleted fleet of school buses; or (3) serve a school required by law to provide transportation to students to enable them to transfer to another public school served by the rural LEA.

SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Improving Access to Mainstream 
Financial Institutions Act of 2008''.

SEC. 2. DEFINITIONS.

    In this Act, the following definitions shall apply:
            (1) Alaska native corporation.--The term ``Alaska Native 
        Corporation'' has the same meaning as the term ``Native 
        Corporation'' under section 3(m) of the Alaska Native Claims 
        Settlement Act (43 U.S.C. 1602(m)).
            (2) Community development financial institution.--The term 
        ``community development financial institution'' has the same 
        meaning as in section 103(5) of the Community Development 
        Banking and Financial Institutions Act of 1994 (12 U.S.C. 
        4702(5)).
            (3) Federally insured depository institution.--The term 
        ``federally insured depository institution'' means any insured 
        depository institution (as that term is defined in section 3 of 
        the Federal Deposit Insurance Act (12 U.S.C. 1813)) and any 
        insured credit union (as that term is defined in section 101 of 
        the Federal Credit Union Act (12 U.S.C. 1752)).
            (4) Labor organization.--The term ``labor organization'' 
        means an organization--
                    (A) in which employees participate;
                    (B) which exists for the purpose, in whole or in 
                part, of dealing with employers concerning grievances, 
                labor disputes, wages, rates of pay, hours of 
                employment, or conditions of work; and
                    (C) which is described in section 501(c)(5) of the 
                Internal Revenue Code of 1986.
            (5) Native hawaiian organization.--The term ``Native 
        Hawaiian organization'' means any organization that--
                    (A) serves and represents the interests of Native 
                Hawaiians; and
                    (B) has as a primary and stated purpose, the 
                provision of services to Native Hawaiians.
            (6) Payday loan.--The term ``payday loan'' means any 
        transaction in which a small cash advance is made to a consumer 
        in exchange for--
                    (A) the personal check or share draft of the 
                consumer, in the amount of the advance plus a fee, 
                where presentment or negotiation of such check or share 
                draft is deferred by agreement of the parties until a 
                designated future date; or
                    (B) the authorization of the consumer to debit the 
                transaction account or share draft account of the 
                consumer, in the amount of the advance plus a fee, 
                where such account will be debited on or after a 
                designated future date.
            (7) Secretary.--The term ``Secretary'' means the Secretary 
        of the Treasury.
            (8) Tribal organization.--The term ``tribal organization'' 
        has the same meaning as in section 4 of the Indian Self-
        Determination and Education Assistance Act (25 U.S.C. 450b).

SEC. 3. EXPANDED ACCESS TO MAINSTREAM FINANCIAL INSTITUTIONS.

    (a) Establishment of Program.--The Secretary is authorized to award 
grants, including multi-year grants, to eligible entities to establish 
an account in a federally insured depository institution for low- and 
moderate-income individuals that currently do not have such an account.
    (b) Eligible Entities.--An entity is eligible to receive a grant 
under this section, if such an entity is--
            (1) an organization described in section 501(c)(3) of the 
        Internal Revenue Code of 1986, and is exempt from taxation 
        under section 501(a) of such Code;
            (2) a federally insured depository institution;
            (3) an agency of a State or local government;
            (4) a community development financial institution;
            (5) an Indian tribal organization;
            (6) an Alaska Native Corporation;
            (7) a Native Hawaiian organization;
            (8) a labor organization; or
            (9) a partnership comprised of 1 or more of the entities 
        described in the preceding subparagraphs.
    (c) Evaluation and Reports to Congress.--For each fiscal year in 
which a grant is awarded under this section, the Secretary shall submit 
a report to Congress containing a description of the activities funded, 
amounts distributed, and measurable results, as appropriate and 
available.

SEC. 4. LOW COST ALTERNATIVES TO PAYDAY LOANS.

    (a) Establishment of Program.--The Secretary is authorized to award 
demonstration project grants (including multi-year grants) to eligible 
entities to provide low-cost, small loans to consumers that will 
provide alternatives to more costly, predatory payday loans.
    (b) Eligible Entities.--An entity is eligible to receive a grant 
under this section if such an entity is--
            (1) an organization described in section 501(c)(3) of the 
        Internal Revenue Code of 1986 and exempt from tax under section 
        501(a) of such Code;
            (2) a federally insured depository institution;
            (3) a community development financial institution; or
            (4) a partnership comprised of 1 or more of the entities 
        described in paragraphs (1) through (3).
    (c) Terms and Conditions.--
            (1) Percentage rate.--For purposes of this section, an 
        eligible entity that is a federally insured depository 
        institution shall be subject to the annual percentage rate 
        promulgated by the National Credit Union Administration's Loan 
        Interest Rates under part 701 of title 12, Code of Federal 
        Regulations (or any successor thereto), in connection with a 
        loan provided to a consumer pursuant to this section.
            (2) Financial literacy and education opportunities.--Each 
        eligible entity awarded a grant under this section shall offer 
        financial literacy and education opportunities, such as 
        relevant counseling services or educational courses, to each 
        consumer provided with a loan pursuant to this section.
    (d) Evaluation and Reports to Congress.--For each fiscal year in 
which a grant is awarded under this section, the Secretary shall submit 
a report to Congress containing a description of the activities funded, 
amounts distributed, and measurable results, as appropriate and 
available.

SEC. 5. PROCEDURAL PROVISIONS.

    (a) Applications.--A person desiring a grant under section 3 or 4 
shall submit an application to the Secretary, in such form and 
containing such information as the Secretary may require.
    (b) Limitation on Administrative Costs.--A recipient of a grant 
under section 3 or 4 may use not more than 6 percent of the total 
amount of such grant in any fiscal year for the administrative costs of 
carrying out the programs funded by such grant in such fiscal year.

SEC. 6. AUTHORIZATION OF APPROPRIATIONS.

    There are authorized to be appropriated to the Secretary, such sums 
as are necessary to carry out the grant programs authorized by this 
Act, to remain available until expended.

SEC. 7. REGULATIONS.

    The Secretary is authorized to promulgate regulations to implement 
and administer the grant programs authorized by this Act.
Improving Access to Mainstream Financial Institutions Act of 2008 - Authorizes the Secretary of the Treasury to award grants, including multi-year grants, to specified eligible entities to establish an account in a federally insured depository institution for low- and moderate-income individuals who currently do not have such an account. Includes among such eligible entities: (1) Alaska Native Corporations; (2) Native Hawaiian organizations; and (3) labor organizations.

Authorizes the Secretary to award demonstration project grants to eligible entities to provide low-cost, small loans to consumers that will provide alternatives to more costly, predatory payday loans. Requires such entities to be: (1) tax-exempt charitable organizations; (2) federally insured depository institutions; (3) community development financial institutions; or (4) partnerships comprised of one or more of such entities. Requires grant recipients to offer financial literacy and education opportunities to each consumer provided with a loan pursuant to this Act.

SECTION 1. LIMITATION ON CERTAIN ALIENS CLAIMING EARNED INCOME TAX 
              CREDIT.

    (a) In General.--Paragraph (1) of section 32(c) of the Internal 
Revenue Code of 1986 is amended by adding at the end the following new 
subparagraph:
                    ``(G) Prohibition on retroactive credit for certain 
                immigrants.--
                            ``(i) In general.--In the case of any alien 
                        described in clause (iii), no credit shall be 
                        allowed under this section for the taxable year 
                        in which such alien was granted deferred action 
                        described in such clause or for any taxable 
                        year prior to such year unless such alien--
                                    ``(I) was an eligible individual 
                                for the taxable year, and
                                    ``(II) was authorized to engage in 
                                employment in the United States for the 
                                entire taxable year.
                            ``(ii) Married individuals.--In the case of 
                        an eligible individual who is married (within 
                        the meaning of section 7703) to an alien 
                        described in clause (iii), no credit shall be 
                        allowed under this section for any taxable 
                        year--
                                    ``(I) in which such alien was 
                                married (within the meaning of section 
                                7703) to the eligible individual, and
                                    ``(II) which includes or was prior 
                                to the date on which such alien was 
                                granted deferred action described in 
                                such clause,
                        unless such alien was authorized to engage in 
                        employment in the United States for the entire 
                        taxable year.
                            ``(iii) Alien described.--An alien is 
                        described in this clause if such alien is 
                        granted deferred action pursuant to the 
                        memorandum from the Secretary of Homeland 
                        Security entitled `Exercising Prosecutorial 
                        Discretion with Respect to Individuals Who Came 
                        to the United States as Children and with 
                        Respect to Certain Individuals Who Are the 
                        Parents of U.S. Citizens or Permanent 
                        Residents' dated November 20, 2014 (or any 
                        substantially similar policy changes issued or 
                        taken on or after the date of the enactment of 
                        this clause, whether set forth in memorandum, 
                        Executive order, regulation, directive, or by 
                        other action).''.
    (b) Qualifying Children.--Subparagraph (D) of section 32(c)(3) of 
the Internal Revenue Code of 1986 is amended by redesignating clause 
(ii) as clause (iii) and by inserting after clause (i) the following 
new clause:
                            ``(ii) Prior years.--In the case of an 
                        alien described in paragraph (1)(G)(iii), such 
                        alien shall not be taken into account as a 
                        qualifying child under subsection (b) for any 
                        taxable year in which such alien was granted 
                        deferred action described in such paragraph, or 
                        for any taxable year prior to such year, unless 
                        such alien was authorized to engage in 
                        employment in the United States for the taxable 
                        year.''.
    (c) Information Sharing.--
            (1) Commissioner of social security.--
                    (A) In general.--The Commissioner of Social 
                Security (referred to in this subsection as the 
                ``Commissioner'') shall provide to the Secretary of 
                Treasury (or the Secretary's delegate) the information 
                described in subparagraph (B) with respect to any alien 
                who--
                            (i) is granted deferred action pursuant to 
                        the memorandum from the Secretary of Homeland 
                        Security entitled ``Exercising Prosecutorial 
                        Discretion with Respect to Individuals Who Came 
                        to the United States as Children and with 
                        Respect to Certain Individuals Who Are the 
                        Parents of U.S. Citizens or Permanent 
                        Residents'' dated November 20, 2014 (or any 
                        substantially similar policy changes issued or 
                        taken on or after the date of the enactment of 
                        this clause, whether set forth in memorandum, 
                        Executive order, regulation, directive, or by 
                        other action); and
                            (ii) has been assigned a social security 
                        account number by the Commissioner.
                    (B) Information provided.--The information 
                described in this subparagraph is--
                            (i) the name and social security account 
                        number of any individual described in 
                        subparagraph (A);
                            (ii) the date such social security account 
                        number was issued by the Commissioner; and
                            (iii) such other information as determined 
                        by the Commissioner, in consultation with the 
                        Secretary of the Treasury, to be necessary to 
                        carry out the amendments made by subsections 
                        (a) and (b).
            (2) Secretary of homeland security.--The Secretary of 
        Homeland Security shall provide to the Commissioner of Social 
        Security such information as is necessary to assist the 
        Commissioner in carrying out the requirements of paragraph (1).
    (d) Effective Date.--The amendments made by this section shall 
apply to taxable years beginning after December 31, 2014.

This bill amends the Internal Revenue Code to deny the earned income tax credit to an alien who has been granted deferred action from removal in any taxable year in which such alien was not lawfully present in the United States or not authorized to work. The bill requires the Commissioner of Social Security to provide the Internal Revenue Service with information on social security account numbers granted to aliens under the deferred action from removal program.