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

Input: Consider Input: SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Federal Student Loan Refinancing 
Act''.

SEC. 2. STUDENT LOAN CONSOLIDATION.

    Section 459B of the Higher Education Act of 1965 (20 U.S.C. 1087i-
2) is amended--
            (1) in subsection (a)(3), by striking ``section'' and 
        inserting ``subsection'';
            (2) in subsection (b), by striking ``this section'' and 
        inserting ``subsection (a)'' each place the term appears; and
            (3) by inserting at the end the following:
    ``(c) Temporary Loan Consolidation Authority for Certain Loans Made 
After July 1, 2006.--
            ``(1) Loan consolidation authority.--
                    ``(A) In general.--A borrower who has 1 or more 
                loans in a category described in subparagraph (B) may 
                consolidate all of the loans of the borrower that are 
                described in subparagraph (B) into a Federal Direct 
                Consolidation Loan during the period described in 
                subparagraph (C).
                    ``(B) Categories of loans that may be 
                consolidated.--The categories of loans that may be 
                consolidated under subparagraph (A) are loans made on 
                or after July 1, 2006, that are--
                            ``(i) loans made under this part;
                            ``(ii) loans purchased by the Secretary 
                        pursuant to section 459A; and
                            ``(iii) loans made under part B that are 
                        held by an eligible lender, as such term is 
                        defined in section 435(d).
                    ``(C) Time period in which loans may be 
                consolidated.--
                            ``(i) Federal direct loans.--In the case of 
                        a borrower who has 1 or more loans described 
                        under subparagraph (B)(i), the Secretary 
                        shall--
                                    ``(I) consolidate the loans 
                                described under subparagraph (B)(i) not 
                                later than 90 days after the date of 
                                enactment of the Federal Student Loan 
                                Refinancing Act; and
                                    ``(II) notify the borrower, in 
                                writing, prior to such consolidation 
                                that--
                                            ``(aa) the borrower's loans 
                                        under this part have been 
                                        consolidated at a lower 
                                        interest rate; and
                                            ``(bb) the borrower's 
                                        repayment plan and the other 
                                        terms and conditions of the 
                                        borrower's loan remain 
                                        unchanged.
                            ``(ii) Other loans.--In the case of a 
                        borrower who has 1 or more loans described 
                        under clause (ii) or (iii) of subparagraph (B), 
                        the Secretary shall--
                                    ``(I) initiate the loan 
                                consolidation process for the loans 
                                described under clause (ii) or (iii) of 
                                subparagraph (B), not later than 90 
                                days after the date of enactment of the 
                                Federal Student Loan Refinancing Act, 
                                by sending a completed loan 
                                consolidation application to the 
                                borrower;
                                    ``(II) notify the borrower, as part 
                                of such application, that a fee will be 
                                assessed and that the interest rate of 
                                the Federal Direct Consolidation Loan 
                                will be set in accordance with 
                                paragraph (2); and
                                    ``(III) notify the borrower, as 
                                part of such application, that if the 
                                borrower wishes to consolidate in 
                                accordance with the completed 
                                application, the borrower must endorse 
                                the application and submit the 
                                application to the Secretary not more 
                                than 6 months after receipt of the 
                                application.
            ``(2) Terms of loans.--The following terms and conditions 
        shall apply to a Federal Direct Consolidation Loan made under 
        this subsection:
                    ``(A) The applicable rate of interest on a Federal 
                Direct Consolidation Loan made under this subsection 
                shall be--
                            ``(i) 4 percent; or
                            ``(ii) in a case in which the weighted 
                        average of the interest rates on the 
                        outstanding loans of a borrower that will be 
                        consolidated is less than 4 percent, the lesser 
                        of--
                                    ``(I) the weighted average of the 
                                interest rates on the outstanding loans 
                                of a borrower that will be 
                                consolidated; or
                                    ``(II) a rate of interest equal 
                                to--
                                            ``(aa) 4 percent; minus
                                            ``(bb) 0.4 percent of the 
                                        principal balance of the 
                                        consolidation loan, at the time 
                                        of consolidation.
                    ``(B) In the case of a loan consolidated under 
                paragraph (1)(C)(ii), an origination fee equal to 0.4 
                percent of the principal balance of the consolidation 
                loan, at the time of consolidation, will be added to 
                the principal balance of the loan, and the Secretary 
                shall use the fee to cover the cost of making and 
                servicing the loan.
                    ``(C) If 1 or more of the loans being consolidated 
                is a loan described under paragraph (1)(B)(iii), the 
                interest rate on the Federal Direct Consolidation Loan 
                under this subsection shall be reduced by 0.25 percent.
                    ``(D) Any benefit a borrower is receiving or 
                earning at the time a Federal Direct Consolidation Loan 
                is issued under this subsection shall not be affected 
                by consolidation under this section, including benefits 
                such as a deferment or forbearance, accumulation of 
                monthly payments as part of the public service loan 
                forgiveness program under section 455(m), accumulation 
                of monthly payments toward a loan discharge under the 
                income-based repayment plan under section 493C, 
                participation in a particular repayment plan, and other 
                benefits to the borrower.''.

SEC. 3. EXEMPTIONS FROM OTHER LAWS.

    (a) Exemption From the Paperwork Reduction Act.--Chapter 35 of 
title 44, United States Code, shall not apply to this Act.
    (b) Inapplicability of Rulemaking Requirements.--Sections 482(c) 
and 492 of the Higher Education Act of 1965 (20 U.S.C. 1089(c), 1098a) 
and section 553 of title 5, United States Code, shall not apply to the 
amendments made by this Act, or to any regulations promulgated under 
such amendments.

Output: Federal Student Loan Refinancing Act This bill amends title IV (Student Assistance) of the Higher Education Act of 1965 to allow borrowers that received loans under the William D. Ford Federal Direct Loan (DL) or Federal Family Education Loan (FFEL) program on or after July 1, 2006, to consolidate those loans as Federal Direct Consolidation Loans.  It directs the Department of Education (ED) to consolidate DLs, and send a completed loan consolidation application to FFEL borrowers, within 90 days of this bill's enactment. It gives FFEL borrowers six months after their receipt of such application to endorse it and submit it to ED if they wish to consolidate their loans. The bill sets the interest rate on Federal Direct Consolidation Loans at 4% or, if the weighted average of the interest rates of the loans being consolidated is less than 4%, the lesser of: (1) that weighted average, or (2) an interest rate equal to 0.4% of the principal balance of the consolidation loan at the time of consolidation. It adds an origination fee equal to 0.4% of the principal balance of the consolidation loan at the time of consolidation if an FFEL is being consolidated. It reduces the interest rate on a Federal Direct Consolidation Loan by 0.25% if one or more of the loans being consolidated is an FFEL held by an eligible lender. The bill prohibits any benefit a borrower is receiving or earning when issued a Federal Direct Consolidation Loan from being affected by the consolidation.


Input: Consider Input: 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)).

Output: 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.


Input: Consider Input: SECTION 1. ESTABLISHMENT OF BIPARTISAN COMMISSION ON THE FUTURE OF 
              MEDICARE.

    There is established a commission to be known as the Bipartisan 
Commission on the Future of Medicare (hereinafter in this Act referred 
to as the ``Commission'').

SEC. 2. DUTIES.

    (a) Findings.--The Commission shall make specific findings 
regarding each of the following:
            (1) Patterns of spending under the medicare program under 
        title XVIII of the Social Security Act.
            (2) The long-term solvency of the Federal Hospital 
        Insurance Trust Fund under section 1817 of the Social Security 
        Act and the Federal Supplementary Medical Insurance Trust Fund 
        under section 1841 of such Act.
            (3) The feasibility and desirability of expanding the 
        choices available to medicare beneficiaries in the methods 
        through which medicare benefits are provided, including 
        providing benefits through managed care arrangements and 
        through coordination with employer-sponsored or other private 
        health benefit plans.
            (4) The extent to which the solvency of the trust funds 
        described in paragraph (2) is endangered by waste, fraud, and 
        abuse under the medicare program.
            (5) The quality of services provided under the medicare 
        program.
            (6) The effectiveness of the existing structure and 
        administration of the medicare program.
    (b) Recommendations.--The Commission shall make specific 
recommendations to the Congress regarding its findings under subsection 
(a).

SEC. 3. MEMBERSHIP.

    (a) Appointment.--
            (1) In general.--The Commission shall be composed of 15 
        members appointed as follows:
                    (A) The President shall appoint 5 members, of whom 
                not more than 3 may be of the same political party and 
                at least one shall be under 35 years of age at the time 
                of appointment.
                    (B) The majority leader of the Senate shall 
                appoint, after consultation with the minority leader of 
                the Senate, 5 members of the Senate, of whom not more 
                than 3 may be of the same political party and at least 
                one shall be under 35 years of age at the time of 
                appointment.
                    (C) The Speaker of the House of Representatives 
                shall appoint, after consultation with the minority 
                leader of the House of Representatives, 5 members of 
                the House, of whom not more than 3 may be of the same 
                political party and at least one shall be under 35 
                years of age at the time of appointment.
            (2) Deadline for appointment.--The members of the 
        Commission shall be appointed not later than 30 days after the 
        date of the enactment of this Act.
    (b) Chairman.--As the first item of business at the first meeting 
of the Commission, the members of the Commission shall elect a chairman 
of the Commission from among its members.
    (c) Vacancies.--Any vacancy in the membership of the Commission 
shall be filled in the manner in which the original appointment was 
made and shall not affect the power of the remaining members to execute 
the duties of the Commission.
    (d) Quorum.--A quorum shall consist of 8 members of the Commission, 
except that 4 members may conduct a hearing under section 5(a).
    (e) Meetings.--The Commission shall meet at the call of its 
chairman or a majority of its members.
    (f) Compensation and Reimbursement of Expenses.--Members of the 
Commission are not entitled to receive compensation for service on the 
Commission. Members may be reimbursed for travel, subsistence, and 
other necessary expenses incurred in carrying out the duties of the 
Commission.

SEC. 4. STAFF AND CONSULTANTS.

    (a) Staff.--The Commission may appoint and determine the 
compensation of such staff as may be necessary to carry out the duties 
of the Commission. Such appointments and compensation may be made 
without regard to the provisions of title 5, United States Code, that 
govern appointments in the competitive services, and the provisions of 
chapter 51 and subchapter III of chapter 53 of such title that relate 
to classifications and the General Schedule pay rates.
    (b) Consultants.--The Commission may procure such temporary and 
intermittent services of consultants under section 3109(b) of title 5, 
United States Code, as the Commission determines to be necessary to 
carry out the duties of the Commission.

SEC. 5. POWERS.

    (a) Hearings and Other Activities.--For the purpose of carrying out 
its duties, the Commission may hold such hearings and undertake such 
other activities as the Commission determines to be necessary to carry 
out its duties.
    (b) Studies by General Accounting Office.--Upon the request of the 
Commission, the Comptroller General shall conduct such studies or 
investigations as the Commission determines to be necessary to carry 
out its duties.
    (c) Cost Estimates by Congressional Budget Office.--
            (1) In general.--Upon the request of the Commission, the 
        Director of the Congressional Budget Office shall provide to 
        the Commission such cost estimates as the Commission determines 
        to be necessary to carry out its duties.
            (2) Reimbursement.--The Commission shall reimburse the 
        Director of the Congressional Budget Office for expenses 
        relating to the employment in the office of the Director of 
        such additional staff as may be necessary for the Director to 
        comply with requests by the Commission under paragraph (1).
    (d) Detail of Federal Employees.--Upon the request of the 
Commission, the head of any Federal agency is authorized to detail, 
without reimbursement, any of the personnel of such agency to the 
Commission to assist the Commission in carrying out its duties. Any 
such detail shall not interrupt or otherwise affect the civil service 
status or privileges of the Federal employee.
    (e) Technical Assistance.--Upon the request of the Commission, the 
head of a Federal agency shall provide such technical assistance to the 
Commission as the Commission determines to be necessary to carry out 
its duties.
    (f) Use of Mails.--The Commission may use the United States mails 
in the same manner and under the same conditions as Federal agencies, 
and shall, for purposes of the frank, be considered a commission of 
Congress as described in section 3215 of title 39, United States Code.
    (g) Obtaining Information.--The Commission may secure directly from 
any Federal agency information necessary to enable it to carry out its 
duties, if the information may be disclosed under section 552 of title 
5, United States Code. Upon request of the Chairman of the Commission, 
the head of such agency shall furnish such information to the 
Commission.
    (h) Administrative Support Services.--Upon the request of the 
Commission, the Administrator of General Services shall provide to the 
Commission on a reimbursable basis such administrative support services 
as the Commission may request.
    (i) Acceptance of Donations.--The Commission may accept, use, and 
dispose of gifts or donations of services or property.
    (j) Printing.--For purposes of costs relating to printing and 
binding, including the costs of personnel detailed from the Government 
Printing Office, the Commission shall be deemed to be a committee of 
the Congress.

SEC. 6. REPORT.

    Not later than 1 year after the date of the enactment of this Act, 
the Commission shall submit to Congress a report containing its 
findings and recommendations under section 2, and shall include in the 
report recommendations for appropriate legislative initiatives to carry 
out its recommendations.

SEC. 7. TERMINATION.

    The Commission shall terminate 30 days after the date of submission 
of the report required in section 6.


Output: Establishes the Bipartisan Commission on the Future of Medicare to make findings and recommendations to the Congress concerning specified aspects of the Medicare program.