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SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Arson Prevention Act of 1994''.

SEC. 2. FINDINGS.

    Congress finds that_
        (1) arson is a serious and costly problem, and is responsible 
    for approximately 25 percent of all fires in the United States;
        (2) arson is a leading cause of fire deaths, accounting for 
    approximately 700 deaths annually in the United States, and is the 
    leading cause of property damage due to fire in the United States;
        (3) estimates of arson property losses are in the range of 
    $2,000,000,000 annually, or approximately 1 of every 4 dollars lost 
    to fire;
        (4) the incidence of arson in the United States is seriously 
    underreported, in part because of the lack of adequate 
    participation by local jurisdictions in the National Fire Incident 
    Reporting System (NFIRS) and the Uniform Crime Reporting (UCR) 
    program;
        (5) there is a need for expanded training programs for arson 
    investigators;
        (6) there is a need for improved programs designed to enable 
    volunteer firefighters to detect arson crimes and to preserve 
    evidence vital to the investigation and prosecution of arson cases;
        (7) according to the National Fire Protection Association, of 
    all the suspicious and incendiary fires estimated to occur, only 
    \1/3\ are confirmed as arson; and
        (8) improved training of arson investigators will increase the 
    ability of fire departments to identify suspicious and incendiary 
    fires, and will result in increased and more effective prosecution 
    of arson offenses.

SEC. 3. ARSON PREVENTION GRANTS.

    The Federal Fire Prevention and Control Act of 1974 is amended by 
inserting after section 24 (15 U.S.C. 2220) the following new section:

``SEC. 25. ARSON PREVENTION GRANTS.

    ``(a) Definitions._As used in this section:
        ``(1) Arson._The term `arson' includes all incendiary and 
    suspicious fires.
        ``(2) Office._The term `Office' means the Office of Fire 
    Prevention and Arson Control of the United States Fire 
    Administration.
    ``(b) Grants._The Administrator, acting through the Office, shall 
carry out a demonstration program under which not more than 10 grant 
awards shall be made to States, or consortia of States, for programs 
relating to arson research, prevention, and control.
    ``(c) Goals._In carrying out this section, the Administrator shall 
award 2-year grants on a competitive, merit basis to States, or 
consortia of States, for projects that promote one or more of the 
following goals:
        ``(1) To improve the training by States leading to professional 
    certification of arson investigators, in accordance with nationally 
    recognized certification standards.
        ``(2) To provide resources for the formation of arson task 
    forces or interagency organizational arrangements involving police 
    and fire departments and other relevant local agencies, such as a 
    State arson bureau and the office of a fire marshal of a State.
        ``(3) To combat fraud as a cause of arson and to advance 
    research at the State and local levels on the significance and 
    prevention of fraud as a motive for setting fires.
        ``(4) To provide for the management of arson squads, including_
            ``(A) training courses for fire departments in arson case 
        management, including standardization of investigative 
        techniques and reporting methodology;
            ``(B) the preparation of arson unit management guides; and
            ``(C) the development and dissemination of new public 
        education materials relating to the arson problem.
        ``(5) To combat civil unrest as a cause of arson and to advance 
    research at the State and local levels on the prevention and 
    control of arson linked to urban disorders.
        ``(6) To combat juvenile arson, such as juvenile fire-setter 
    counseling programs and similar intervention programs, and to 
    advance research at the State and local levels on the prevention of 
    juvenile arson.
        ``(7) To combat drug-related arson and to advance research at 
    the State and local levels on the causes and prevention of drug-
    related arson.
        ``(8) To combat domestic violence as a cause of arson and to 
    advance research at the State and local levels on the prevention of 
    arson arising from domestic violence.
        ``(9) To combat arson in rural areas and to improve the 
    capability of firefighters to identify and prevent arson initiated 
    fires in rural areas and public forests.
        ``(10) To improve the capability of firefighters to identify 
    and combat arson through expanded training programs, including_
            ``(A) training courses at the State fire academies; and
            ``(B) innovative courses developed with the Academy and 
        made available to volunteer firefighters through regional 
        delivery methods, including teleconferencing and satellite 
        delivered television programs.
    ``(d) Structuring of Applications._The Administrator shall assist 
grant applicants in structuring their applications so as to ensure that 
at least one grant is awarded for each goal described in subsection 
(c).
    ``(e) State Qualification Criteria._In order to qualify for a grant 
under this section, a State, or consortium of States, shall provide 
assurances adequate to the Administrator that the State or consortium_
        ``(1) will obtain at least 25 percent of the cost of programs 
    funded by the grant, in cash or in kind, from non-Federal sources;
        ``(2) will not as a result of receiving the grant decrease the 
    prior level of spending of funds of the State or consortium from 
    non-Federal sources for arson research, prevention, and control 
    programs;
        ``(3) will use no more than 10 percent of funds provided under 
    the grant for administrative costs of the programs; and
        ``(4) is making efforts to ensure that all local jurisdictions 
    will provide arson data to the National Fire Incident Reporting 
    System or the Uniform Crime Reporting program.
    ``(f) Extension._A grant awarded under this section may be extended 
for one or more additional periods, at the discretion of the 
Administrator, subject to the availability of appropriations.
    ``(g) Technical Assistance._The Administrator shall provide 
technical assistance to States in carrying out programs funded by 
grants under this section.
    ``(h) Consultation and Cooperation._In carrying out this section, 
the Administrator shall consult and cooperate with other Federal 
agencies to enhance program effectiveness and avoid duplication of 
effort, including the conduct of regular meetings initiated by the 
Administrator with representatives of other Federal agencies concerned 
with arson and concerned with efforts to develop a more comprehensive 
profile of the magnitude of the national arson problem.
    ``(i) Assessment._Not later than 18 months after the date of 
enactment of this subsection, the Administrator shall submit a report 
to Congress that_
        ``(1) identifies grants made under this section;
        ``(2) specifies the identity of grantees;
        ``(3) states the goals of each grant; and
        ``(4) contains a preliminary assessment of the effectiveness of 
    the grant program under this section.
    ``(j) Regulations._Not later than 90 days after the date of 
enactment of this subsection, the Administrator shall issue regulations 
to implement this section, including procedures for grant applications.
    ``(k) Administration._The Administrator shall directly administer 
the grant program required by this section, and shall not enter into 
any contract under which the grant program or any portion of the 
program will be administered by another party.
    ``(l) Purchase of American Made Equipment and Products._
        ``(1) Sense of congress._It is the sense of Congress that any 
    recipient of a grant under this section should purchase, when 
    available and cost-effective, American made equipment and products 
    when expending grant monies.
        ``(2) Notice to recipients of assistance._In allocating grants 
    under this section, the Administrator shall provide to each 
    recipient a notice describing the statement made in paragraph (1) 
    by the Congress.''.

SEC. 4. VOLUNTEER FIREFIGHTER TRAINING.

    Section 24(a)(2) of the Federal Fire Prevention and Control Act of 
1974 (15 U.S.C. 2220(a)(2)) is amended by inserting before the 
semicolon the following: ``, with particular emphasis on the needs of 
volunteer firefighters for improved and more widely available arson 
training courses''.

SEC. 5. CPR TRAINING.

    The Federal Fire Prevention and Control Act of 1974 is amended by 
adding at the end the following new section:

``SEC. 32. CPR TRAINING.

    ``No funds shall be made available to a State or local government 
under section 25 unless such government has a policy to actively 
promote the training of its firefighters in cardiopulmonary 
resuscitation.''.

SEC. 6. FEDERAL EMPLOYEE HOUSING EXCEPTIONS.

    Section 31(c)(1) of the Federal Fire Prevention and Control Act of 
1974 (15 U.S.C. 2227(c)(1)) is amended_
        (1) in subparagraph (A), by striking ``No Federal'' and 
    inserting in lieu thereof ``Except as otherwise provided in this 
    paragraph, no Federal''; and
        (2) by adding at the end the following new subparagraphs:
    ``(C) Housing covered by this paragraph that does not have an 
adequate and reliable electrical system shall not be subject to the 
requirement under subparagraph (A) for protection by hard-wired smoke 
detectors, but shall be protected by battery operated smoke detectors.
    ``(D) If funding has been programmed or designated for the 
demolition of housing covered by this paragraph, such housing shall not 
be subject to the fire protection requirements of subparagraph (A), but 
shall be protected by battery operated smoke detectors.''.

SEC. 7. AUTHORIZATION OF APPROPRIATIONS.

    Section 17 of the Federal Fire Prevention and Control Act of 1974 
(15 U.S.C. 2216) is amended by adding at the end the following new 
subsection:
    ``(h) In addition to any other amounts that are authorized to be 
appropriated to carry out this Act, there are authorized to be 
appropriated to carry out this Act_
        ``(1) $500,000 for fiscal year 1995 for basic research on the 
    development of an advanced course on arson prevention;
        ``(2) $2,000,000 for fiscal year 1996 for the expansion of 
    arson investigator training programs at the Academy under section 
    24 and at the Federal Law Enforcement Training Center, or through 
    regional delivery sites;
        ``(3) $4,000,000 for each of fiscal years 1995 and 1996 for 
    carrying out section 25, except for salaries and expenses for 
    carrying out section 25; and
        ``(4) $250,000 for each of the fiscal years 1995 and 1996 for 
    salaries and expenses for carrying out section 25.''.

SEC. 8. SUNSET.

    Notwithstanding any other provision of this Act, no funds are 
authorized to be appropriated for any fiscal year after fiscal year 
1996 for carrying out the programs for which funds are authorized by 
this Act, or the amendments made by this Act.







                               Speaker of the House of Representatives.







                            Vice President of the United States and    
                                               President of the Senate.
Arson Prevention Act of 1994 - Amends the Fire Prevention and Control Act of 1974 to direct the Administrator of the United States Fire Administration, acting through the Office of Fire Prevention and Arson Control, to carry out a demonstration program under which not more than ten grant awards shall be made to States or consortia of States (States) for programs relating to arson research, prevention, and control. 
Directs the Administrator, in carrying out such provision, to award two-year grants on a competitive, merit basis to States for projects that promote one or more of specified goals, including:  (1) improving the training by States leading to professional certification of arson investigators; (2) providing resources for the formation of arson task forces or interagency organizational arrangements involving the police and fire departments and other relevant local agencies; (3) combating fraud as a cause of arson and advancing research at the State and local levels on the significance and prevention of fraud as a motive for setting fires; (4) combating juvenile arson, drug-related arson, and domestic violence as a cause of arson; and (5) improving the capability of firefighters to identify and combat arson through expanded training programs. 
Sets forth provisions regarding:  (1) the structuring of applications; (2) State qualification criteria; (3) the extension of grants; (4) technical assistance; (5) consultation and cooperation with other Federal agencies; (6) assessment; and (7) the purchase of American made equipment and products by grant recipients. 
(Sec. 4) Includes within a provision requiring the Administrator to provide training and instructional materials in skills and knowledge necessary to assist Federal, State, and local fire service and law enforcement personnel in arson prevention, detection, and control, a requirement that particular emphasis be placed on the needs of volunteer firefighters for improved and more widely available arson training courses. 
(Sec. 5) Prohibits making certain funds available to a State or local government under the Act unless such government has a policy to actively promote the training of its firefighters in cardiopulmonary resuscitation. 
(Sec. 6) Exempts Federal employee housing that does not have an adequate and reliable electrical system from the requirement for protection by hard-wired (but requires battery operated) smoke detectors. 
(Sec. 7) Authorizes appropriations, including appropriations for basic research on the development of an advanced course on arson prevention and for the expansion of arson investigator training programs at the National Fire Academy and the Federal Law Enforcement Training Center or through regional delivery sites. 
(Sec. 8) Prohibits any funds from being authorized to be appropriated for any fiscal year after FY 1996 for carrying out the programs for which funds are authorized by this Act or the amendments made by this Act.

SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Mortgage Fairness Act''.

SEC. 2. COMMUNITY SUPPORT OBLIGATIONS OF MORTGAGE BANKS.

    (a) In General.--Each mortgage bank shall have an ongoing 
responsibility to meet the credit needs of all the communities in which 
such bank makes a significant number of extensions of credit or extends 
a significant amount of credit, including extensions of credit in low- 
and moderate-income neighborhoods of such communities.
    (b) Definitions.--For purposes of this Act, the following 
definitions shall apply:
            (1) Mortgage bank.--The term ``mortgage bank'' means any 
        lender who does not accept deposits and originates housing 
        related loans.
            (2) Office.--The term ``Office'' means the Office of 
        Mortgage Bank and Insurance Supervision established by the 
        Secretary of Housing and Urban Development pursuant to section 
        3.
            (3) Secretary.--The term ``Secretary'' means the Secretary 
        of Housing and Urban Development.

SEC. 3. ESTABLISHMENT OF OFFICE OF MORTGAGE BANK AND INSURANCE 
              SUPERVISION.

    The Secretary of Housing and Urban Development shall establish 
within the Department of Housing and Urban Development an office to be 
known as the Office of Mortgage Bank and Insurance Supervision to 
evaluate the community support performance of mortgage banks and 
mortgage insurance companies.

SEC. 4. MORTGAGE BANK COMMUNITY SUPPORT STATEMENTS.

    (a) In General.--The Office shall, on a biennial basis, require 
each mortgage bank to submit to the Office a community support 
statement, detailing the efforts of such bank at meeting the housing 
credit needs of each community in which the bank makes a significant 
number of extensions of credit or extends a significant amount of 
credit, including extensions of credit in low- and moderate-income 
neighborhoods of such communities.
    (b) Contents.--The statement submitted by each mortgage bank under 
subsection (a) shall include--
            (1) the data required to be maintained and disclosed by the 
        lender under the Home Mortgage Disclosure Act of 1975 for the 
        previous 2 years, in a format which the Office shall establish;
            (2) underwriting criteria employed by the bank for all of 
        the bank's housing loan products;
            (3) descriptions of any activity the bank has undertaken 
        over the period under review to ascertain and meet identified 
        credit needs in low- and moderate-income neighborhoods within 
        communities in which the bank makes a significant number of 
        extensions of credit or extends a significant amount of credit, 
        including any partnerships formed with community-based 
        organizations, nonprofit developers of affordable housing, or 
        agencies of State or local government;
            (4) details of any findings of technical or substantive 
        violations of the Equal Credit Opportunity Act or the Fair 
        Housing Act, and any settlements or judgments arising from any 
        such findings; and
            (5) any other information the Office may require.

SEC. 5. MORTGAGE BANK COMMUNITY SUPPORT EVALUATION.

    The Office shall determine whether a mortgage bank is maintaining 
an adequate community support performance, based on--
            (1) community support performance statements received from 
        mortgage banks;
            (2) an analysis of the data required to be maintained and 
        disclosed by the lender under the Home Mortgage Disclosure Act 
        of 1975 for the previous 2 years with respect to metropolitan 
        statistical areas in which the bank originates a significant 
        number of home loans, which shall emphasize--
                    (A) the institution's market share in neighborhoods 
                of different racial and income characteristics;
                    (B) the number of applications received from 
                minorities and low- and moderate-income persons; and
                    (C) the rate at which the institutions rejects 
                applications from minority and white applicants;
            (3) any evidence of illegal discriminatory credit 
        practices, including prescreening, or offering less favorable 
        loan products to applicants of different racial backgrounds; 
        and
            (4) public comment, which shall be received by the agency 
        for not less than 90 days after the Office actively solicits 
        comment solicitations of comment through notice in the Federal 
        Register and regular communications with community based 
        organizations.

SEC. 6. PENALTIES FOR FINDING OF INADEQUATE COMMUNITY SUPPORT 
              PERFORMANCE BY MORTGAGE BANKS.

    (a) Remedial Action.--If the Secretary finds that a mortgage bank 
is maintaining an inadequate level of community support, the Secretary 
may issue an order--
            (1) requiring the bank to file a community support action 
        plan with the Office not more than 90 days after the finding, 
        which shall include concrete goals and timetables for 
        correcting identified deficiencies; and
            (2) prohibiting the bank from using any program or product 
        administered by the Secretary until all identified deficiencies 
        are met.
    (b) Cease and Desist Orders.--
            (1) Issuance of order.--
                    (A) In general.--If the Secretary determines that 
                there is reasonable cause to believe that a mortgage 
                bank is violating, has violated, or is about to violate 
                an order under subsection (a) or a community support 
                action plan filed pursuant to such an order, the 
                Secretary may issue an order requiring the mortgage 
                bank to--
                            (i) cease and desist from any such 
                        violation; and
                            (ii) take such affirmative action to 
                        prevent the occurrence or the continuance of 
                        such violation as the Secretary determines to 
                        be appropriate.
                    (B) Notice of charges.--An order issued under this 
                paragraph shall include a notice of the charges on 
                which the order is based and a statement of the facts 
                constituting the alleged violation.
                    (C) Effective period.--An order issued under this 
                paragraph shall--
                            (i) become effective upon service to the 
                        mortgagee; and
                            (ii) remain effective and enforceable 
                        pursuant to the terms of the order unless 
                        modified or rescinded by the Secretary or 
                        pursuant to an order of a court under paragraph 
                        (3) or in connection with the court's review of 
                        any administrative proceedings with respect to 
                        the order issued under this subsection.
            (2) Hearing.--Any mortgage bank which receives an order 
        under paragraph (1) shall be afforded an opportunity for a 
        hearing on the record by the Secretary as soon as practicable 
        but not later than 20 days after the order has been served.
            (3) Judicial hearing.--Within 10 days after a mortgage bank 
        has been served with a cease-and-desist order under this 
        subsection, the bank may apply to the United States district 
        court for the judicial district in which the home office of the 
        bank is located, or the United States District Court for the 
        District of Columbia, for an injunction setting aside, 
        limiting, or suspending the enforcement, operation, or 
        effectiveness of such order pending the completion of the 
        administrative proceedings pursuant to the notice of charges 
        served upon the bank, and such court shall have jurisdiction to 
        issue such injunction.
            (4) Judicial enforcement.--The Secretary may apply to the 
        United States district court, or the United States court of any 
        territory, within the jurisdiction of which the home office of 
        the mortgagee is located, for an injunction to enforce any 
        effective and outstanding order issued under this subsection 
        and, if the court determines that there has been a violation or 
        threatened violation of such order, the court shall issue such 
        injunction.
    (c) Civil Money Penalty.--
            (1) Imposition of penalty.--
                    (A) In general.--The Secretary may impose a civil 
                money penalty on any mortgage bank, and any director, 
                officer or employee of a mortgage bank, who violates 
                any order issued under subsection (a) or (b).
                    (B) Amount of penalty.--The amount of the penalty, 
                as determined by the Secretary, may not exceed--
                            (i) in the case of a violation of an order 
                        issued under subsection (a), $10,000 for each 
                        month during which such violation occurs; and
                            (ii) in the case of a violation of an order 
                        issued under subsection (b), $10,000 for each 
                        day during which such violation continues.
                    (C) Notification to attorney general.--Before 
                taking action to impose a civil money penalty for a 
                violation under subparagraph (A), the Secretary shall 
                inform the Attorney General of the United States.
            (2) Assessment.--
                    (A) Written notice.--Any penalty imposed under 
                paragraph (1) may be assessed and collected by the 
                Secretary by written notice.
                    (B) Finality of assessment.--If, with respect to 
                any assessment under subparagraph (A), a hearing is not 
                requested pursuant to paragraph (5) within the period 
                of time allowed under such paragraph, the assessment 
                shall constitute a final and unappealable order.
            (3) Authority to modify or remit penalty.--The Secretary 
        may compromise, modify, or remit any penalty which the 
        Secretary may assess or already has assessed under paragraph 
        (1).
            (4) Mitigating factors.--In determining the amount of a 
        penalty under paragraph (1) with respect to any person, the 
        Secretary shall take into account the appropriateness of the 
        penalty with respect to--
                    (A) the gravity of the offense;
                    (B) any history of previous violations by the 
                person;
                    (C) the ability of the person to pay the penalty;
                    (D) injury to the public;
                    (E) benefits received by the person as a result of 
                the violation;
                    (F) the deterrent effect of the penalty on future 
                violations by such person and other persons; and
                    (G) such other factors as the Secretary may 
                determine in regulations to be appropriate.
            (5) Hearing.--The person against whom a civil money penalty 
        is assessed under paragraph (1) shall be afforded an 
        opportunity for a hearing on the record, if such person submits 
        a request for such hearing within 20 days after the issuance of 
        the notice of the assessment.
            (6) Collection.--
                    (A) Referral.--If any person fails to pay an 
                assessment after any penalty assessed under this 
                subsection has become final, the Secretary shall notify 
                the Attorney General who shall recover the amount 
                assessed in the appropriate United States district 
                court.
                    (B) Appropriateness of penalty not reviewable.--In 
                any civil action under subparagraph (A), the validity 
                and appropriateness of the penalty shall not be subject 
                to review.
            (7) Disbursement.--All penalties collected pursuant to this 
        subsection shall be deposited into the Treasury of the United 
        States.
            (8) Agency procedures--The Secretary shall, by regulation, 
        establish standards and procedures for carrying out this 
        subsection.

SEC. 7. COMMUNITY SUPPORT REQUIREMENTS FOR MORTGAGE INSURANCE 
              COMPANIES.

    (a) In General.--Each mortgage insurance company shall--
            (1) report to the Office the number and total dollar amount 
        of each mortgage insurance policy written by the company, by 
        census tract, the race, gender, and income of applicants for 
        mortgage insurance, and the disposition of each application for 
        mortgage insurance;
            (2) demonstrate to the Secretary adequate support for 
        community credit needs; and
            (3) make public to any person the underwriting criteria for 
        any mortgage insurance the company offers.
    (b) 2-Year Reporting Requirement.--At least once during each 2-year 
period beginning after the date of enactment of this Act, each mortgage 
insurance company shall submit a report to the Office containing the 
following information:
            (1) Adequacy of availability of mortgage insurance.--The 
        extent to which adequate mortgage insurance is available in 
        low- and moderate-income and minority neighborhoods within 
        areas in which the company writes a significant number of 
        mortgage insurance policies.
            (2) Underwriting guidelines.--The extent to which 
        underwriting guidelines used by the company do not unreasonably 
        restrict access to low- and moderate-income families within 
        areas in which the company writes a significant number of 
        mortgage insurance policies.
    (c) Duties of the Office.--The Office shall conduct biennial 
community support reviews of mortgage insurance companies including 
analysis of the following:
            (1) The data collected by the Agency on the distribution of 
        the mortgage insurance company's policies by census tract and 
        data on the disparate treatment of applicants for mortgage 
        insurance based on the applicants' race, gender, and income.
            (2) The underwriting criteria employed by the company and 
        the extent to which such criteria do not unreasonably restrict 
        access to credit for low- and moderate-income and minority 
        persons or neighborhoods.
            (3) Community support statements received from the mortgage 
        insurance company.
            (4) Any other information the Secretary may require 
        mortgage insurance companies to submit.
            (5) Any comments received from the public on the community 
        support performance of the mortgage insurance company during 
        the period covered by the review under this paragraph.
    (d) Duties of the Secretary.--The Secretary shall--
            (1) solicit and accept public comment for no fewer than 90 
        days before issuing a finding in connection with the review of 
        a mortgage insurance company under subsection (c)(2); and
            (2) review the community support performance of each 
        mortgage insurance company and determine whether the company is 
        providing an adequate level of community support in the areas 
        in which such company writes a significant number of mortgage 
        insurance policies.
    (e) Performance Statement.--If, after reviewing any evidence, the 
Secretary concludes that a mortgage insurance company is not meeting 
the requirements of this section, the Secretary may require such 
company to submit a statement indicating how the company expects to 
improve its record of providing community support.
Mortgage Fairness Act - Requires each mortgage bank to meet the credit needs of all communities in which it makes a significant number of extensions of credit or extends a significant amount of credit, including extensions of credit in low- and moderate-income communities. 
(Sec. 3) Directs the Secretary of Housing and Urban Development (HUD) to establish within HUD the Office of Mortgage Bank and Insurance Supervision. 
(Sec. 4) Directs the Office, on a biennial basis, to require each mortgage bank to submit to it a community support statement detailing the bank's efforts at meeting the housing credit needs of the above- referenced communities. 
(Sec. 5) Directs the Office to determine whether a mortgage bank is maintaining an adequate community support performance based on specified criteria. 
(Sec. 6) Sets forth certain penalties against a mortgage bank that has been found to be maintaining an inadequate level of community support. 
(Sec. 7) Requires each mortgage insurance company to: (1) report to the Office the total number and total dollar amount of each mortgage insurance policy written by it, by census tract, the race, gender, and income of applicants for mortgage insurance, and the disposition of each application for such insurance; (2) demonstrate to the Secretary adequate support for community credit needs; and (3) make public to any person the underwriting criteria for any mortgage insurance the company offers. 
Requires the Office to conduct biennial community support reviews of mortgage insurance companies.  Authorizes the Secretary to require a mortgage insurance company to submit a statement indicating how it expects to improve its record of providing community support whenever the Secretary concludes that such company is not meeting the requirements of this section.

That chapter 59 of 
title 10, United States Code, is amended by adding at the end thereof 
the following new section:

``SEC. XX. VOLUNTARY SEPARATION FOR REASON OF OBJECTION TO MILITARY 
              POLICY ON HOMOSEXUALS.

    ``(a) Generally.--A member of the armed forces may request 
separation from the armed forces under this section and, if found 
eligible for separation under this section by the Secretary of the 
military department concerned, such member shall be separated from 
military service as provided for in this section.
    ``(b) Eligibility.--A member is eligible for separation under this 
section if such member--
            ``(1) became a member of the armed forces on or before the 
        date on which the policy of the Department of Defense that was 
        in effect on May 11, 1993, that homosexuality is incompatible 
        with military service, was changed to a policy under which 
        homosexuality is not incompatible with military service;
            ``(2) has not incurred or accepted any new or additional 
        military service obligation on or after the date of such change 
        in such policy;
            ``(3) is not eligible to retire from the armed forces;
            ``(4) has not previously been approved for separation from 
        the armed forces under any other section of law; and
            ``(5) has religious, moral, or personal morale objections 
        to such change in such policy, and has filed within one year 
        after the date of such change in such policy a written request 
        to the Secretary concerned with voluntary separation under this 
        section because of such religious, moral, or personal morale 
        objections to such change in such policy.
    ``(c) Administration.--The Secretary concerned shall determine, 
under such regulations as are deemed appropriate by such Secretary, if 
a member who requests separation under this section is eligible for 
separation under this section. In determining if such a member has met 
the requirements of subsection (b)(5), a written request for voluntary 
separation by such member that asserts the request is made because the 
member has religious, moral, or personal morale objections to such 
change in such policy will generally be sufficient to establish that 
such member has met the requirements of that subsection. However, the 
Secretary may consider such other information as he deems appropriate 
in determining if such member's request for separation is because of 
such objections, including any information that such member previously 
has sought separation or relief from any military service obligation 
for any other reason, information concerning whether such member has 
previously expressed any opinion about such member's religious, moral, 
or personal morale objections to such change in such policy, or any 
information that such member has expressed a desire or intent to be 
separated or relieved from any military service obligation for any 
other reason.
    ``(d)(1) Active Duty Benefits.--A member who is separated under 
this section and who--
            ``(A) has served on active duty for more than six years on 
        the date of the policy change described in subsection (b)(1);
            ``(B) has served on active duty for not more than twenty 
        years on the date of such separation;
            ``(C) has served at least five years of continuous active 
        duty immediately preceding the date of such separation; and
            ``(D) if a Reserve, is on an active duty list,
shall be entitled to the benefits payable to either a member 
voluntarily separated under section 1174a(b) or a member voluntarily 
separated under section 1175, at the discretion of the member being 
separated under this section.
    ``(2) Reserve Benefits.--A member of the Selected Reserve, as 
defined in section 4412 of the National Defense Authorization Act for 
Fiscal Year 1993 (Public Law 102-484), who is separated from the armed 
forces under this section and who has completed at least six years of 
service computed under section 1332 on the date of the policy change 
described in subsection (b)(1) shall be entitled to either--
            ``(A) the benefits provided to member involuntarily 
        discharged or transferred under section 4418 of the National 
        Defense Authorization Act for Fiscal Year 1993 (Public Law 102-
        484); or
            ``(B) if such member also has completed at least fifteen 
        years of service computed under section 1332, to the rights and 
        benefits provided to members found eligible for such rights and 
        benefits under section 1331a of title 10, United States Code,
at the discretion of the member being separated under this section.
    ``(3) Election of Benefits.--A member separated under this section 
may not receive benefits under both paragraphs (1) and (2) of this 
subsection. If such a member is eligible for benefits under both 
paragraphs (1) and (2) of this subsection, such member will elect which 
benefits he shall receive.
    ``(e)(1) Date of Separation Generally.--The Secretary concerned may 
determine the date upon which a member entitled to be separated under 
this section is to be separated. However, except as provided in 
paragraphs (2) and (3), such date of separation shall not be later than 
one hundred and eighty days after receipt by the Secretary concerned of 
such member's request to be separated under this section.
    ``(2) Requirement for Reimbursement.--Notwithstanding the one 
hundred and eighty-day period established by paragraph (1), the date of 
separation for a member entitled to be separated under this section who 
has any military service obligation for which, because of contract, 
agreement, or law, such member is liable for reimbursement to the 
United States if such military service obligation is not fully served, 
may not be prior to the earlier of--
            ``(A) the date on which the member fully reimburses the 
        United States for any such military service obligation as 
        required by such contract, agreement, or law; or
            ``(B) the date on which the member completes such military 
        service obligation.
    ``(3) Readiness Extension.--Notwithstanding the one hundred and 
eighty-day period established by paragraph (1), the Secretary concerned 
may delay the date of separation of an individual member entitled to be 
separated under this section if the Secretary determines that the 
separation of such member within that one hundred and eighty-day period 
would create a direct and serious negative impact on the readiness of 
the military department concerned. However, a delay under this 
paragraph may not extend a date of separation more than two years 
beyond that which would otherwise be required by paragraph (1).''.
    Sec. 2. Effective Date.--This section shall take effect only if 
that policy of the Department of Defense that was in effect on May 11, 
1993, that homosexuality is incompatible with military service is 
changed to a policy under which homosexuality is not incompatible with 
military service, but shall be effective on the date of any such change 
in such policy.

Allows a member of the armed forces to request and receive separation from the armed forces if such member:  (1) became a member of the armed forces before the Department of Defense policy that homosexuality is incompatible with military service is changed to a policy that homosexuality is not incompatible; (2) has not incurred or accepted any new or additional military service obligation after such policy change; (3) is not eligible for retirement from the armed forces; (4) has not previously been approved for separation under any other law; and (5) has religious, moral, or personal morale objections to such change in policy and, within one year, requests voluntary separation.  Entitles to voluntary separation benefits active-duty and reserve members who have served for at least six but less than 20 years in the armed forces and who separate from the armed forces under provisions of this Act.  Requires separation within 180 days after the appropriate Secretary receives the request, with a delay allowed due to an adverse impact on the readiness of the military department concerned.