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 ``Broadband Adoption Act of 2015''.

SEC. 2. BROADBAND LIFELINE ASSISTANCE PROGRAM.

    Section 254(j) of the Communications Act of 1934 (47 U.S.C. 254(j)) 
is amended to read as follows:
    ``(j) Lifeline Assistance.--
            ``(1) In general.--Nothing in this section, other than 
        paragraph (2) of this subsection, shall affect the collection, 
        distribution, or administration of the Lifeline program of the 
        Commission set forth under sections 54.400 through 54.417 of 
        title 47, Code of Federal Regulations, or any successor 
        thereto.
            ``(2) Broadband lifeline assistance program.--
                    ``(A) Definitions.--In this paragraph--
                            ``(i) the term `broadband Internet access 
                        service' has the meaning given that term under 
                        section 8.11(a) of title 47, Code of Federal 
                        Regulations, or any successor thereto;
                            ``(ii) the terms `duplicative support' and 
                        `qualifying low-income consumer' have the 
                        meanings given those terms in section 54.400 of 
                        title 47, Code of Federal Regulations, or any 
                        successor thereto;
                            ``(iii) the term `Lifeline program' means 
                        the Lifeline program of the Commission set 
                        forth under sections 54.400 through 54.417 of 
                        title 47, Code of Federal Regulations, or any 
                        successor thereto; and
                            ``(iv) the term `participating broadband 
                        Internet access service provider' means a 
                        provider of broadband Internet access service 
                        that elects to participate in the Lifeline 
                        program to provide broadband Internet access 
                        service to qualifying low-income consumers 
                        under the final rule adopted under subparagraph 
                        (C)(i).
                    ``(B) Purpose.--The purpose of this paragraph is to 
                promote the adoption of broadband Internet access 
                service by all people of the United States while 
                recognizing that the price of broadband Internet access 
                service is one of the barriers to adoption for low-
                income households.
                    ``(C) Establishment.--
                            ``(i) In general.--Not later than 270 days 
                        after the date of enactment of the Broadband 
                        Adoption Act of 2015, the Commission shall 
                        adopt a final rule establishing Lifeline 
                        support under the Lifeline program for 
                        broadband Internet access service to enable 
                        qualifying low-income consumers in urban and 
                        rural areas to purchase broadband Internet 
                        access service at reduced charges by 
                        reimbursing participating broadband Internet 
                        access service providers for each such consumer 
                        served.
                            ``(ii) Model.--The final rule adopted under 
                        clause (i) shall provide that a qualifying low-
                        income consumer may elect to apply Lifeline 
                        support under the Lifeline program to basic 
                        telephone service, voice telephony service, or 
                        broadband Internet access service, regardless 
                        of whether the service is purchased as a stand-
                        alone service or as part of a bundle of 
                        services.
                            ``(iii) Digital literacy program.--The 
                        Commission shall consider providing a 
                        preference to a participating broadband 
                        Internet access service provider that includes 
                        components involving digital literacy programs 
                        as part of the offerings of the participating 
                        broadband Internet access service provider.
                    ``(D) State funds.--The Commission shall consult 
                with the Federal-State Joint Board instituted under 
                subsection (a)(1) regarding ways to encourage States to 
                develop programs that would work in conjunction with 
                the Lifeline program.
                    ``(E) Amount of support.--
                            ``(i) In general.--In calculating the 
                        amount of Lifeline support to be provided to 
                        each qualifying low-income consumer under the 
                        final rule adopted under subparagraph (C)(i), 
                        the Commission shall routinely study--
                                    ``(I) the prevailing market price 
                                for broadband Internet access service;
                                    ``(II) the prevailing speed of 
                                broadband Internet access service 
                                adopted by households; and
                                    ``(III) the prevailing broadband 
                                usage patterns of residential 
                                consumers.
                            ``(ii) Information.--In carrying out clause 
                        (i), the Commission shall rely on information 
                        that--
                                    ``(I) the Commission routinely 
                                collects; or
                                    ``(II) is publicly available.
                    ``(F) Technology neutral.--
                            ``(i) In general.--To promote competition 
                        from service providers to qualify under the 
                        Lifeline program, the Commission shall ensure 
                        that the final rule adopted under subparagraph 
                        (C)(i) is neutral as to the types of technology 
                        used to provide voice telephony or broadband 
                        Internet access service under the Lifeline 
                        program.
                            ``(ii) Authorization.--A participating 
                        broadband Internet access service provider--
                                    ``(I) shall not be required to be 
                                an eligible telecommunications carrier 
                                (as designated under section 214(e)) to 
                                receive support under the Lifeline 
                                program; and
                                    ``(II) shall obtain authorization 
                                from the Commission in order to 
                                participate in the Lifeline program.
                    ``(G) Accountability.--
                            ``(i) Nonduplication.--The final rule 
                        adopted under subparagraph (C)(i) shall 
                        incorporate regulations of the Commission in 
                        effect on the date of enactment of this Act 
                        that prevent the receipt of duplicative support 
                        under the Lifeline program.
                            ``(ii) Preventing waste, fraud, or abuse.--
                        In promulgating regulations to carry out this 
                        paragraph, the Commission shall consider any 
                        appropriate measures to prevent any waste, 
                        fraud, or abuse in the administration of the 
                        Lifeline program.
                            ``(iii) Eligibility.--The Commission, in 
                        consultation with other relevant Federal 
                        agencies, shall establish a national database 
                        to determine qualifying low-income consumer 
                        eligibility for Lifeline program subsidies.
                    ``(H) Evaluation reports.--Not later than 1 year 
                after the Commission adopts the final rule under 
                subparagraph (C)(i), and every year thereafter, the 
                Commission shall conduct an evaluation and issue a 
                report on the performance of the Lifeline program 
                during the 12-month period preceding the date on which 
                each report is issued.
                    ``(I) GAO study.--Not later than 1 year after the 
                Commission adopts the final rule under subparagraph 
                (C)(i), the Comptroller General of the United States 
                shall conduct a study and issue a report on the 
                performance of the Lifeline support provided under the 
                Lifeline program for broadband Internet access service.
            ``(3) Clarification of authority.--Nothing in this section 
        shall be construed to limit the authority of the Commission 
        under any other provision of law, including the authority to 
        promulgate regulations to promote the adoption of broadband 
        service by low-income households in the United States.''.

A: Broadband Adoption Act of 2015 Amends the Communications Act of 1934 to direct the Federal Communications Commission (FCC) to adopt a final rule establishing support under the Universal Service Fund Lifeline Assistance Program for qualifying low-income consumers in urban and rural areas to purchase broadband Internet access service at reduced charges by reimbursing participating providers for each such consumer served. Requires the program to allow qualifying consumers to elect to apply support from the Lifeline program to basic telephone service, voice telephony service, or broadband Internet access service, regardless of whether the service is purchased as a stand-alone service or in a bundle. Directs the FCC to consult with the federal-state joint board on universal service regarding ways to encourage states to develop programs in conjunction with the Lifeline program. Requires the program to be technology neutral to promote competition from service providers. Requires participating broadband Internet access service providers to obtain FCC authorization to participate in the Lifeline program, but a provider is not required to be an eligible telecommunications carrier to receive support under the program. Directs the FCC to: (1) adopt regulations to prevent receipt of duplicative support under the Lifeline program, and (2) establish a national database to determine consumer eligibility. 
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Q: SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Rigs to Reefs Habitat Protection 
Act''.

SEC. 2. DEFINITIONS.

    In this Act:
            (1) Decommissioning.--The term ``decommissioning'' includes 
        the flushing, plugging, and cementing of a platform.
            (2) Fund.--The term ``Fund'' means the Reef Maintenance 
        Fund established by section 3(h)(1).
            (3) Notice.--The term ``Notice'' means the notice to 
        lessees numbered 2010-G05, entitled ``Notice to Lessees and 
        Operators of Federal Oil and Gas Leases and Pipeline Right-of-
        Way Holders in the Outer Continental Shelf, Gulf of Mexico OCS 
        Region'', and issued September 15, 2010.
            (4) Platform.--The term ``platform'' means an offshore oil 
        and gas platform in the Gulf of Mexico that, as determined by 
        the Secretary--
                    (A) is no longer useful for operations, as defined 
                in the Notice; and
                    (B) has become critical for marine fisheries 
                habitat.
            (5) Program.--The term ``Program'' means the artificial 
        reef program authorized under the National Fishing Enhancement 
        Act of 1984 (33 U.S.C. 2101 et seq.).
            (6) Secretary.--The term ``Secretary'' means the Secretary 
        of the Interior.

SEC. 3. USE OF CERTAIN OFFSHORE OIL AND GAS PLATFORMS FOR ARTIFICIAL 
              REEFS.

    (a) Assessment.--As soon as practicable after the date of enactment 
of this Act, the Secretary shall conduct an assessment of each of the 
platforms--
            (1) to determine whether there are coral populations or 
        other protected species in the vicinity of the platform; and
            (2) to identify any species in the vicinity of the platform 
        that have recreational or commercial value.
    (b) Prohibition of Removal.--
            (1) In general.--Notwithstanding the Notice, no platforms 
        shall be removed in accordance with the Notice until the date 
        on which the Secretary has completed assessments of each of the 
        platforms under subsection (a).
            (2) Suspension of decommissioning.--If, during an 
        assessment conducted under subsection (a), the Secretary 
        determines that there is a substantial reef ecosystem in the 
        vicinity of the platform, the decommissioning of the platform 
        under the Notice shall be placed on hold until such time as the 
        Secretary determines that decommissioning the platform would 
        not harm the reef ecosystem.
    (c) Exemption From Certain Requirements.--The requirement in the 
Notice that a lessee remove a platform as soon as possible, but not 
later than 5 years after the effective date of the Notice or within 5 
years of the platform, meeting the definition of no longer useful for 
operations, whichever is later, shall not apply to a lessee that--
            (1) commits to entering the platform in the Program; and
            (2) demonstrates the commitment described in paragraph (1) 
        by initiating discussions with applicable States regarding 
        potential sites for the artificial reef.
    (d) Reefing in Place.--A lessee may, as appropriate, provide for 
reefing in place under the Program.
    (e) State Programs.--
            (1) In general.--A State that has a State rig-to-reef 
        program may enter into an agreement with any appropriate 
        entities to assume liability in Federal water for a structure 
        covered by the State program.
            (2) Maintenance.--Notwithstanding an agreement entered into 
        under paragraph (1), the operator of the covered structure 
        shall remain responsible for maintaining the covered structure.
    (f) Removal of Top Decks.--Under the Program, top decks of a rig 
may be removed, down to water surface level, if appropriate identifying 
markers are used to protect navigation.
    (g) Maintenance and Financial Requirements.--As a condition of 
inclusion in the Program, the owner of a rig enrolled in the Program 
shall be required to--
            (1) maintain an anode system for the rig; and
            (2) pay into the Fund an amount equal to 50 percent of the 
        estimated costs associated with the removal of the platform 
        that the owner would have been responsible for if the owner had 
        not participated in the Program, as determined by the 
        Secretary.
    (h) Reef Maintenance Fund.--
            (1) Establishment.--There is established in the Treasury of 
        the United States a fund to be known as the ``Reef Maintenance 
        Fund'', to be administered by the Secretary, to be available 
        without fiscal year limitation and not subject to 
        appropriation, for the maintenance of artificial reefs 
        established under the Program.
            (2) Transfers to fund.--The Fund shall consist of such 
        amounts deposited in the Fund under subsection (g)(2).
            (3) Prohibition.--Amounts in the Fund may not be made 
        available for any purpose other than a purpose described in 
        paragraph (1).
            (4) Annual reports.--
                    (A) In general.--Not later than 60 days after the 
                end of each fiscal year beginning with fiscal year 
                2012, the Secretary shall submit to the Committee on 
                Appropriations of the House of Representatives, the 
                Committee on Appropriations of the Senate, the 
                Committee on Energy and Natural Resources of the 
                Senate, and the Committee on Natural Resources of the 
                House of Representatives a report on the operation of 
                the Fund during the fiscal year.
                    (B) Contents.--Each report shall include, for the 
                fiscal year covered by the report, the following:
                            (i) A statement of the amounts deposited 
                        into the Fund.
                            (ii) A description of the expenditures made 
                        from the Fund for the fiscal year, including 
                        the purpose of the expenditures.
                            (iii) Recommendations for additional 
                        authorities to fulfill the purpose of the Fund.
                            (iv) A statement of the balance remaining 
                        in the Fund at the end of the fiscal year.

A: Rigs to Reefs Habitat Protection Act - Directs the Secretary of the Interior to assess each offshore oil and gas platform in the Gulf of Mexico that is no longer useful for operations, and has become critical for a marine fisheries habitat, to: (1) determine whether there are coral populations or other protected species in the platform's vicinity, and (2) identify any species in the vicinity that have recreational or commercial value.

Prohibits the removal of any such platforms until the Secretary has completed each assessment.

Requires suspension of the decommissioning of a platform if a substantial reef ecosystem is in the vicinity until the Secretary determines that decommissioning would not harm the ecosystem.

Exempts from certain platform removal deadlines any lessees who: (1) commit to entering a particular platform in the artificial reef program under the National Fishing Enhancement Act of 1984, and (2) initiate discussions with applicable states regarding potential artificial reef sites.

Allows a lessee to provide for reefing in place under the artificial reef program.

Permits states with a state rig-to-reef program to enter agreements with any appropriate entities to assume liability in federal water for a structure covered by the state program.

Establishes a Reef Maintenance Fund. Requires the owner of a rig enrolled in the artificial reef program to: (1) maintain a rig anode system, and (2) pay into the Fund 50% of the estimated platform removal costs for which the owner would have been responsible if it had not participated in the program.
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Q: SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Student Loan Fairness Act of 2003''.

SEC. 2. REMOVAL OF PROHIBITION ON REFINANCING CONSOLIDATION LOANS.

    Section 428C(a)(3) the Higher Education Act of 1965 (20 U.S.C. 
1078-3(a)(3)) is amended--
            (1) by striking subparagraph (B);
            (2) in subparagraph (C), by striking ``subparagraphs (A) 
        and (B)'' and inserting ``subparagraph (A)''; and
            (3) by redesignating subparagraph (C) as subparagraph (B).

SEC. 3. STUDENT LOAN BORROWER CHOICE OF LOAN CONSOLIDATOR.

    (a) Selection of Lender.--Section 428C(b)(1)(A) of the Higher 
Education Act of 1965 (20 U.S.C. 1078-3(b)(1)(A)) is amended by 
striking ``and (i) the lender holds'' and all that follows through 
``selected for consolidation)''.
    (b) Information About Consolidation Loans.--
            (1) Information from lenders.--Section 428C(b)(1) of such 
        Act is further amended--
                    (A) by striking ``and'' at the end of subparagraph 
                (E);
                    (B) by redesignating subparagraph (F) as 
                subparagraph (G); and
                    (C) by inserting after subparagraph (E) the 
                following new subparagraph:
                    ``(F) that the lender will provide to each 
                applicant for a consolidation loan a clear and 
                conspicuous notice, in such form as the Secretary shall 
                prescribe, describing, in relation to the borrower's 
                reported current loan balance and the likely interest 
                rate estimated by the lender for the consolidation 
                loan--
                            ``(i) the effects of a consolidation loan 
                        and its available repayment plans on the 
                        borrower's interest rate, the amount of his or 
                        her monthly and total payments, total interest 
                        accrued, the length of the repayment term;
                            ``(ii) the ability of the student borrower 
                        to pre-pay loans; and
                            ``(iii) the differences between variable 
                        and fixed interest rates; and''.
            (2) Information from institutions.--Section 485(b)(1)(A) of 
        such Act (20 U.S.C. 1092(b)) is amended--
                    (A) by striking ``and'' at the end of clause (i);
                    (B) by striking the period at the end of clause 
                (ii) and inserting ``; and''; and
                    (C) by adding at the end the following new clause:
            ``(iii) providing to the borrower of a loan made under part 
        B, D, or E, a clear and conspicuous notice, in such form as the 
        Secretary shall prescribe, describing the effect of using a 
        consolidation loan to discharge the borrower's student loans, 
        and including, with respect to a series of loan amounts 
        ranges--
                    ``(I) the differences between fixed and variable 
                interest rates;
                    ``(II) the effects of consolidation loan and its 
                available repayment plans on the borrower's interest 
                rate, the amount of his or her monthly and total 
                payments, total interest accrued, and the length of 
                repayment term; and
                    ``(III) the ability of the student borrower to 
                prepay loans.''.

SEC. 4. INTEREST RATES ON CONSOLIDATED AND RECONSOLIDATED LOANS.

    (a) Interest Rate Changes.--Section 427A of the Higher Education 
Act of 1965 (20 U.S.C. 1077a) is amended by striking subsections (k) 
and (l) and inserting the following:
    ``(k) Interest Rates for New Loans on or After October 1, 1998, and 
Before January 1, 2004.--
            ``(1) In general.--Notwithstanding subsection (h) and 
        subject to paragraph (2) of this subsection, with respect to 
        any loan made, insured, or guaranteed under this part (other 
        than a loan made pursuant to section 428B or 428C) for which 
        the first disbursement is made on or after October 1, 1998, and 
        before January 1, 2004, the applicable rate of interest shall, 
        during any 12-month period beginning on July 1 and ending on 
        June 30, be determined on the preceding June 1 and be equal 
        to--
                    ``(A) the bond equivalent rate of 91-day Treasury 
                bills auctioned at the final auction held prior to such 
                June 1; plus
                    ``(B) 2.3 percent,
        except that such rate shall not exceed 8.25 percent.
            ``(2) In school and grace period rules.--Notwithstanding 
        subsection (h), with respect to any loan under this part (other 
        than a loan made pursuant to section 428B or 428C) for which 
        the first disbursement is made on or after October 1, 1998, and 
        before January 1, 2004, the applicable rate of interest for 
        interest which accrues--
                    ``(A) prior to the beginning of the repayment 
                period of the loan; or
                    ``(B) during the period in which principal need not 
                be paid (whether or not such principal is in fact paid) 
                by reason of a provision described in section 
                427(a)(2)(C) or 428(b)(1)(M),
        shall be determined under paragraph (1) by substituting `1.7 
        percent' for `2.3 percent'.
            ``(3) PLUS loans.--Notwithstanding subsection (h), with 
        respect to any loan under section 428B for which the first 
        disbursement is made on or after October 1, 1998, and before 
        January 1, 2004, the applicable rate of interest shall be 
        determined under paragraph (1)--
                    ``(A) by substituting `3.1 percent' for `2.3 
                percent'; and
                    ``(B) by substituting `9.0 percent' for `8.25 
                percent'.
            ``(4) Consolidation loans.--With respect to any 
        consolidation loan under section 428C for which the application 
        is received by an eligible lender on or after October 1, 1998, 
        and before January 1, 2004, the applicable rate of interest 
        shall be at an annual rate on the unpaid principal balance of 
        the loan that is equal to the lesser of--
                    ``(A) the weighted average of the interest rates on 
                the loans consolidated, rounded to the nearest higher 
                one-eighth of 1 percent; or
                    ``(B) 8.25 percent.
            ``(5) Consultation.--The Secretary shall determine the 
        applicable rate of interest under this subsection after 
        consultation with the Secretary of the Treasury and shall 
        publish such rate in the Federal Register as soon as 
        practicable after the date of determination.
    ``(l) Interest Rates for New Loans on or After January 1, 2004.--
            ``(1) In general.--Notwithstanding subsection (h), with 
        respect to any loan made, insured, or guaranteed under this 
        part (other than a loan made pursuant to section 428B or 428C) 
        for which the first disbursement is made on or after January 1, 
        2004, the applicable rate of interest shall, during any 12-
        month period beginning on July 1 and ending on June 30, be 
        determined on the preceding June 1 and be equal to--
                    ``(A) the bond equivalent rate of 91-day Treasury 
                bills auctioned at the final auction held prior to such 
                June 1; plus
                    ``(B) 2.3 percent,
        except that such rate shall not exceed 6.8 percent.
            ``(2) PLUS loans.--Notwithstanding subsection (h), with 
        respect to any loan under section 428B for which the first 
        disbursement is made on or after January 1, 2004, the 
        applicable rate of interest shall be determined under paragraph 
        (1)--
                    ``(A) by substituting `3.1 percent' for `2.3 
                percent'; and
                    ``(B) by substituting `7.5 percent' for `6.8 
                percent'.
            ``(3) Consolidation loans.--With respect to any 
        consolidation loan under section 428C for which the application 
        is received by an eligible lender on or after January 1, 2004, 
        the applicable rate of interest shall, during any 12-month 
        period beginning on July 1 and ending on June 30, be determined 
        on the preceding June 1 and be equal to--
                    ``(A) the bond equivalent rate of 91-day Treasury 
                bills auctioned at the final auction held prior to such 
                June 1; plus
                    ``(B) 2.3 percent,
        except that such rate shall not exceed 6.8 percent.''.
    (b) Offsetting Origination Fees.--Section 438(c) of the Higher 
Education Act of 1965 (20 U.S.C. 1087-1(c)) is amended--
            (1) in paragraph (1), by inserting ``or paragraph (7)'' 
        after ``paragraph (2)'';
            (2) in paragraph (2), by striking ``paragraph (8)'' and 
        inserting ``paragraph (9)'';
            (3) by redesignating paragraphs (7) and (8) as paragraphs 
        (8) and (9), respectively; and
            (4) by inserting after paragraph (6) the following new 
        paragraph:
            ``(7) Consolidation loans.--With respect to any loans made 
        under section 428C on or after January 1, 2004, each eligible 
        lender under this part is authorized to charge the borrower an 
        origination fee of not to exceed 0.5 percent of the principal 
        amount of the loan. Except as provided in paragraph (9), a 
        lender that charges an origination fee under this paragraph 
        shall assess the same fee to all borrowers.''.
    (c) Special Allowance Conforming Changes.--Section 438(b)(2) of the 
Higher Education Act of 1965 (20 U.S.C. 1087-1(b)(2)) is amended by 
striking ``July 1, 2006'' each place it appears in clauses (ii), (v), 
and (vii) of subparagraph (I), including in the headings of such 
clauses, and inserting ``January 1, 2004''.
    (d) Additional Conforming Amendments.--Section 428C(c)(1) of the 
Higher Education Act of 1965 (20 U.S.C. 1078-3(c)(1)) is amended by 
striking ``July 1, 2006'' each place it appears and inserting ``January 
1, 2004''.

A:
Student Loan Fairness Act of 2003 - Amends the Higher Education Act of 1965 to revise student aid requirements for consolidation loans.

Repeals a prohibition against refinancing consolidation loans.

Allows borrowers to select lenders of consolidation loans. Requires lenders and institutions to provide certain information on consolidation loans to applicants.

Revises interest rates on consolidated and reconsolidated loans.
****