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 ``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.
answer:
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.


question:
SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Little Shell Tribe of Chippewa 
Indians Restoration Act of 2007''.

SEC. 2. FINDINGS.

    Congress finds that--
            (1) the Little Shell Tribe of Chippewa Indians is a 
        political successor to signatories of the Pembina Treaty of 
        1863, under which a large area of land in the State of North 
        Dakota was ceded to the United States;
            (2) the Turtle Mountain Band of Chippewa of North Dakota 
        and the Chippewa-Cree Tribe of the Rocky Boy's Reservation of 
        Montana, which also are political successors to the signatories 
        of the Pembina Treaty of 1863, have been recognized by the 
        Federal Government as distinct Indian tribes;
            (3) the members of the Little Shell Tribe continue to live 
        in the State of Montana, as their ancestors have for more than 
        100 years since ceding land in the State of North Dakota as 
        described in paragraph (1);
            (4) in the 1930s and 1940s, the Tribe repeatedly petitioned 
        the Federal Government for reorganization under the Act of June 
        18, 1934 (25 U.S.C. 461 et seq.) (commonly known as the 
        ``Indian Reorganization Act'');
            (5) Federal agents who visited the Tribe and Commissioner 
        of Indian Affairs John Collier attested to the responsibility 
        of the Federal Government for the Tribe and members of the 
        Tribe, concluding that members of the Tribe are eligible for, 
        and should be provided with, trust land, making the Tribe 
        eligible for reorganization under the Act of June 18, 1934 (25 
        U.S.C. 461 et seq.) (commonly known as the ``Indian 
        Reorganization Act'');
            (6) due to a lack of Federal appropriations during the 
        Depression, the Bureau of Indian Affairs lacked adequate 
        financial resources to purchase land for the Tribe, and the 
        members of the Tribe were denied the opportunity to reorganize;
            (7) in spite of the failure of the Federal Government to 
        appropriate adequate funding to secure land for the Tribe as 
        required for reorganization under the Act of June 18, 1934 (25 
        U.S.C. 461 et seq.) (commonly known as the ``Indian 
        Reorganization Act''), the Tribe continued to exist as a 
        separate community, with leaders exhibiting clear political 
        authority;
            (8) the Tribe, together with the Turtle Mountain Band of 
        Chippewa of North Dakota and the Chippewa-Cree Tribe of the 
        Rocky Boy's Reservation of Montana, filed 2 law suits under the 
        Act of August 13, 1946 (60 Stat. 1049) (commonly known as the 
        ``Indian Claims Commission Act''), to petition for additional 
        compensation for land ceded to the United States under the 
        Pembina Treaty of 1863 and the McCumber Agreement of 1892;
            (9) in 1971 and 1982, pursuant to Acts of Congress, the 
        tribes received awards for the claims described in paragraph 
        (8);
            (10) in 1978, the Tribe submitted to the Bureau of Indian 
        Affairs a petition for Federal recognition, which is still 
        pending as of the date of enactment of this Act; and
            (11) the Federal Government, the State of Montana, and the 
        other federally recognized Indian tribes of the State have had 
        continuous dealings with the recognized political leaders of 
        the Tribe since the 1930s.

SEC. 3. DEFINITIONS.

    In this Act:
            (1) Member.--The term ``member'' means an individual who is 
        enrolled in the Tribe pursuant to section 7.
            (2) Secretary.--The term ``Secretary'' means the Secretary 
        of the Interior.
            (3) Tribe.--The term ``Tribe'' means the Little Shell Tribe 
        of Chippewa Indians of Montana.

SEC. 4. FEDERAL RECOGNITION.

    (a) In General.--Federal recognition is extended to the Tribe.
    (b) Effect of Federal Laws.--Except as otherwise provided in this 
Act, all Federal laws (including regulations) of general application to 
Indians and Indian tribes, including the Act of June 18, 1934 (25 
U.S.C. 461 et seq.) (commonly known as the ``Indian Reorganization 
Act''), shall apply to the Tribe and members.

SEC. 5. FEDERAL SERVICES AND BENEFITS.

    (a) In General.--Beginning on the date of enactment of this Act, 
the Tribe and each member shall be eligible for all services and 
benefits provided by the United States to Indians and federally 
recognized Indian tribes, without regard to--
            (1) the existence of a reservation for the Tribe; or
            (2) the location of the residence of any member on or near 
        an Indian reservation.
    (b) Service Area.--For purposes of the delivery of services and 
benefits to members, the service area of the Tribe shall be considered 
to be the area comprised of Blaine, Cascade, Glacier, and Hill Counties 
in the State of Montana.

SEC. 6. REAFFIRMATION OF RIGHTS.

    (a) In General.--Nothing in this Act diminishes any right or 
privilege of the Tribe or any member that existed before the date of 
enactment of this Act.
    (b) Claims of Tribe.--Except as otherwise provided in this Act, 
nothing in this Act alters or affects any legal or equitable claim of 
the Tribe to enforce any right or privilege reserved by, or granted to, 
the Tribe that was wrongfully denied to, or taken from, the Tribe 
before the date of enactment of this Act.

SEC. 7. MEMBERSHIP ROLL.

    (a) In General.--As a condition of receiving recognition, services, 
and benefits pursuant to this Act, the Tribe shall submit to the 
Secretary, by not later than 18 months after the date of enactment of 
this Act, a membership roll consisting of the name of each individual 
enrolled as a member of the Tribe.
    (b) Determination of Membership.--The qualifications for inclusion 
on the membership roll of the Tribe shall be determined in accordance 
with sections 1 through 3 of article 5 of the constitution of the Tribe 
dated September 10, 1977 (including amendments to the constitution).
    (c) Maintenance of Roll.--The Tribe shall maintain the membership 
roll under this section.

SEC. 8. TRANSFER OF LAND.

    (a) Homeland.--The Secretary shall acquire, for the benefit of the 
Tribe, trust title to 200 acres of land within the service area of the 
Tribe to be used for a tribal land base.
    (b) Additional Land.--The Secretary may acquire additional land for 
the benefit of the Tribe pursuant to section 5 of the Act of June 18, 
1934 (25 U.S.C. 465) (commonly known as the ``Indian Reorganization 
Act'').
answer:
Little Shell Tribe of Chippewa Indians Restoration Act of 2007 - Extends federal recognition to the Little Shell Tribe of Chippewa Indians of Montana. Makes the Tribe and each member eligible for all services and benefits provided by the United States to Indians and federally recognized Indian tribes, without regard to the existence of a reservation for the Tribe or the location of the residence of any member on or near an Indian reservation.

Directs the Tribe, as a condition of receiving recognition, services, and benefits pursuant to this Act, to submit to the Secretary of the Interior a membership roll consisting of the name of each individual enrolled as a member of the Tribe. Requires the Tribe to maintain such membership roll.

Directs the Secretary to acquire, for the benefit of the Tribe, trust title to 200 acres of land within the Tribe's service area to be used for a tribal land base.


question:
SECTION 1. CLASS SIZE REDUCTION.

    Title VI of the Elementary and Secondary Education Act of 1965 (20 
U.S.C. 7301 et seq.) is amended by adding at the end the following:

                     ``PART E--CLASS SIZE REDUCTION

``SEC. 6601. SHORT TITLE.

    ``This part may be cited as the `Class Size Reduction and Teacher 
Quality Act of 1999'.

``SEC. 6602. FINDINGS.

    ``Congress finds as follows:
            ``(1) Rigorous research has shown that students attending 
        small classes in the early grades make more rapid educational 
        progress than students in larger classes, and that these 
        achievement gains persist through at least the elementary 
        grades.
            ``(2) The benefits of smaller classes are greatest for 
        lower achieving, minority, poor, and inner-city children. One 
        study found that urban fourth-graders in smaller-than-average 
        classes were \3/4\ of a school year ahead of their counterparts 
        in larger-than-average classes.
            ``(3) Teachers in small classes can provide students with 
        more individualized attention, spend more time on instruction 
        and less on other tasks, cover more material effectively, and 
        are better able to work with parents to further their 
        children's education.
            ``(4) Smaller classes allow teachers to identify and work 
        more effectively with students who have learning disabilities 
        and, potentially, can reduce those students' need for special 
        education services in the later grades.
            ``(5) Students in smaller classes are able to become more 
        actively engaged in learning than their peers in large classes.
            ``(6) Efforts to improve educational achievement by 
        reducing class sizes in the early grades are likely to be more 
        successful if--
                    ``(A) well-prepared teachers are hired and 
                appropriately assigned to fill additional classroom 
                positions; and
                    ``(B) teachers receive intensive, continuing 
                training in working effectively in smaller classroom 
                settings.
            ``(7) Several States have begun a serious effort to reduce 
        class sizes in the early elementary grades, but these actions 
        may be impeded by financial limitations or difficulties in 
        hiring well-prepared teachers.
            ``(8) The Federal Government can assist in this effort by 
        providing funding for class-size reductions in grades 1 through 
        3, and by helping to ensure that the new teachers brought into 
        the classroom are well prepared.

``SEC. 6603. PURPOSE.

    ``The purpose of this part is to help States and local educational 
agencies recruit, train, and hire 100,000 additional teachers over a 7-
year period in order to--
            ``(1) reduce class sizes nationally, in grades 1 through 3, 
        to an average of 18 students per classroom; and
            ``(2) improve teaching in the early grades so that all 
        students can learn to read independently and well by the end of 
        the third grade.

``SEC. 6604. PROGRAM AUTHORIZED.

    ``(a) Authorization of Appropriations.--For the purpose of carrying 
out this part, there are authorized to be appropriated, $1,400,000,000 
for fiscal year 2000, $1,500,000,000 for fiscal year 2001, 
$1,700,000,000 for fiscal year 2002, $1,735,000,000 for fiscal year 
2003, $2,300,000,000 for fiscal year 2004, and $2,800,000,000 for 
fiscal year 2005.
    ``(b) Allotments.--
            ``(1) In general.--From the amount appropriated under 
        subsection (a) for a fiscal year the Secretary--
                    ``(A) shall make a total of 1 percent available to 
                the Secretary of the Interior (on behalf of the Bureau 
                of Indian Affairs) and the outlying areas for 
                activities that meet the purpose of this part; and
                    ``(B) shall allot to each State the same percentage 
                of the remaining funds as the percentage it received of 
                funds allocated to States for the previous fiscal year 
                under section 1122 or section 2202(b), whichever 
                percentage is greater, except that such allotments 
                shall be ratably decreased as necessary.
            ``(2) Definition of state.--In this part the term ``State'' 
        means each of the several States of the United States, the 
        District of Columbia and the Commonwealth of Puerto Rico.
            ``(3) State-level expenses.--Each State may use not more 
        than a total of \1/2\ of 1 percent of the amount the State 
        receives under this part, or $50,000, whichever is greater, for 
        a fiscal year, for the administrative costs of the State 
        educational agency.
    ``(c) Within State Distribution.--
            ``(1) In general.--Each State that receives an allotment 
        under this section shall distribute the amount of the allotted 
        funds that remain after using funds in accordance with 
        subsection (b)(3) to local educational agencies in the State, 
        of which--
                    ``(A) 80 percent of such remainder shall be 
                allocated to such local educational agencies in 
                proportion to the number of children, aged 5 to 17, who 
                reside in the school district served by such local 
                educational agency and are from families with incomes 
                below the poverty line (as defined by the Office of 
                Management and Budget and revised annually in 
                accordance with section 673(2) of the Community 
                Services Block Grant Act (42 U.S.C. 9902(2)) applicable 
                to a family of the size involved) for the most recent 
                fiscal year for which satisfactory data is available 
                compared to the number of such individuals who reside 
                in the school districts served by all the local 
                educational agencies in the State for that fiscal year, 
                except that a State may adjust such data, or use 
                alternative child-poverty data, to carry out this 
                subparagraph if the State demonstrates to the 
                Secretary's satisfaction that such adjusted or 
                alternative data more accurately reflects the relative 
                incidence of children living in poverty within local 
                educational agencies in the State; and
                    ``(B) 20 percent of such remainder shall be 
                allocated to such local educational agencies in 
                accordance with the relative enrollments of children, 
                aged 5 to 17, in public and private nonprofit 
                elementary schools and secondary schools in the school 
                districts within the boundaries of such agencies.
            ``(2) Award rule.--Notwithstanding paragraph (1), if the 
        award to a local educational agency under this section is less 
        than the starting salary for a new teacher in that agency, the 
        State shall not make the award unless--
                    ``(A) the local educational agency agrees to form a 
                consortium with not less than 1 other local educational 
                agency for the purpose of reducing class size; or
                    ``(B) the local educational agency agrees to 
                supplement the award with non-Federal funds sufficient 
                to pay the cost of hiring a teacher.

``SEC. 6605. USE OF FUNDS.

    ``(a) In General.--Each local educational agency that receives 
funds under this part shall use such funds to carry out effective 
approaches to reducing class size with highly qualified teachers to 
improve educational achievement for both regular and special-needs 
children, with particular consideration given to reducing class size in 
the early elementary grades for which some research has shown class 
size reduction is most effective.
    ``(b) Class Reduction.--
            ``(1) In general.--Each such local educational agency may 
        pursue the goal of reducing class size through--
                    ``(A) recruiting, hiring, and training certified 
                regular and special education teachers and teachers of 
                special-needs children, including teachers certified 
                through State and local alternative routes;
                    ``(B) testing new teachers for academic content 
                knowledge, and to meet State certification requirements 
                that are consistent with title II of the Higher 
                Education Act of 1965; and
                    ``(C) providing professional development to 
                teachers, including special education teachers and 
                teachers of special-needs children, consistent with 
                title II of the Higher Education Act of 1965.
            ``(2) Restriction.--A local educational agency may use not 
        more than a total of 15 percent of the funds received under 
        this part for each of the fiscal years 2000 through 2003 to 
        carry out activities described in subparagraphs (B) and (C) of 
        paragraph (1), and may not use any funds received under this 
        part for fiscal year 2004 or 2005 for those activities.
            ``(3) Special rule.--A local educational agency that has 
        already reduced class size in the early grades to 18 or fewer 
        children may use funds received under this part--
                    ``(A) to make further class-size reductions in 
                grades 1 through 3;
                    ``(B) to reduce class size in kindergarten or other 
                grades; or
                    ``(C) to carry out activities to improve teacher 
                quality, including professional development activities.
    ``(c) Supplement Not Supplant.--A local educational agency shall 
use funds under this part only to supplement, and not to supplant, 
State and local funds that, in the absence of such funds, would 
otherwise be spent for activities under this part.
    ``(d) Prohibition.--No funds made available under this part may be 
used to increase the salaries of or provide benefits to (other than 
participation in professional development and enrichment programs) 
teachers who are, or have been, employed by the local educational 
agency.
    ``(e) Professional Development.--If a local educational agency uses 
funds made available under this part for professional development 
activities, the agency shall ensure the equitable participation of 
private nonprofit elementary and secondary schools in such activities. 
Section 6402 shall not apply to other activities under this section.
    ``(f) Administrative Expenses.--A local educational agency that 
receives funds under this part may use not more than 3 percent of such 
funds for local administrative expenses.

``SEC. 6606. COST-SHARING REQUIREMENT.

    ``(a) Federal Share.--The Federal share of the cost of activities 
carried out under this part--
            ``(1) may be up to 100 percent in local educational 
        agencies with child-poverty levels of 50 percent or greater; 
        and
            ``(2) shall be no more than 65 percent for local 
        educational agencies with child-poverty rates of less than 50 
        percent.
    ``(b) Local Share.--A local educational agency shall provide the 
non-Federal share of a project under this part through cash 
expenditures from non-Federal sources, except that if an agency has 
allocated funds under section 1113(c) to one or more schoolwide 
programs under section 1114, it may use those funds for the non-Federal 
share of activities under this program that benefit those schoolwide 
programs, to the extent consistent with section 1120A(c) and 
notwithstanding section 1114(a)(3)(B).

``SEC. 6607. REQUEST FOR FUNDS.

    ``Each local educational agency that desires to receive funds under 
this part shall include in the application submitted under section 6303 
a description of the agency's program under this part to reduce class 
size by hiring additional highly qualified teachers.

``SEC. 6608. REPORTS.

    ``(a) State.--Each State receiving funds under this part shall 
report on activities in the State under this section, consistent with 
section 6202(a)(2).
    ``(b) School.--Each school receiving assistance under this part, or 
the local educational agency serving that school, shall produce an 
annual report to parents, the general public, and the State educational 
agency, in easily understandable language, regarding student 
achievement that is a result of hiring additional highly qualified 
teachers and reducing class size.''.
answer:

Class Size Reduction and Teacher Quality Act of 1999 - Amends the Elementary and Secondary Education Act of 1965 to establish a grants program to help States and local educational agencies recruit, train, and hire 100,000 additional teachers over a seven-year period in order to: (1) reduce class sizes nationally, in grades one through three, to an average of 18 students per classroom; and (2) improve teaching in the early grades so that all students can learn to read independently and well by the end of the third grade. 
Authorizes appropriations. 
Sets forth program requirements for: (1) allotments to States; (2) within-State allocations; (3) local uses of funds; and (4) cost-sharing.