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 ``Small Business Fair Treatment Act of 
1995''.

SEC. 2. TABLE OF CONTENTS.

    The table of contents for this Act is as follows:

Sec. 1. Short title.
Sec. 2. Table of contents.
      TITLE I--REGULATORY SIMPLIFICATION AND VOLUNTARY COMPLIANCE

Sec. 101. Definitions.
Sec. 102. Compliance guides.
Sec. 103. No action letter.
Sec. 104. Voluntary self-audits.
                   TITLE II--MISCELLANEOUS PROVISIONS

Sec. 201. Performance measures.
Sec. 202. Grace period for correction of violations of Environmental 
                            Protection Agency regulations.
Sec. 203. Waiver of punitive fines for small entities.

      TITLE I--REGULATORY SIMPLIFICATION AND VOLUNTARY COMPLIANCE

SEC. 101. DEFINITIONS.

    For purposes of this Act, the following definitions shall apply:
            (1) Compliance guide.--The term ``compliance guide'' means 
        a publication made by a covered agency under section 102(a).
            (2) Covered agency.--The term ``covered agency'' means any 
        agency that, on the date of enactment of this Act, has 
        promulgated any rule for which a regulatory flexibility 
        analysis was required under section 605 of title 5, United 
        States Code, and any other agency that promulgates any such 
        rule, as of the date of enactment of this Act.
            (3) No action letter.--The term ``no action letter'' means 
        a written determination from a covered agency stating that, 
        based on a no action request submitted to the agency by a small 
        entity, the agency will not take enforcement action against the 
        small entity under the rules of the covered agency.
            (4) No action request.--The term ``no action request'' 
        means a written correspondence submitted by a small entity to a 
        covered agency--
                    (A) stating a set of facts; and
                    (B) requesting a determination by the agency of 
                whether the agency would take an enforcement action 
                against the small entity based on such facts and the 
                application of any rule of the agency.
            (5) Rule.--The term ``rule'' has the same meaning as in 
        section 601(2) of title 5, United States Code.
            (6) Small entity.--The term ``small entity'' has the same 
        meaning as in section 601(6) of title 5, United States Code.
            (7) Small business concern.--The term ``small business 
        concern'' has the same meaning as in section 3 of the Small 
        Business Act.
            (8) Voluntary self-audit.--The term ``voluntary self-
        audit'' means an audit, assessment, or review of any operation, 
        practice, or condition of a small entity that--
                    (A) is initiated by an officer, employee, or agent 
                of the small entity; and
                    (B) is not required by law.

SEC. 102. COMPLIANCE GUIDES.

    (a) Compliance Guide.--
            (1) Publication.--If a covered agency is required to 
        prepare a regulatory flexibility analysis for a rule or group 
        of related rules under section 603 of title 5, United States 
        Code, the agency shall publish a compliance guide for such rule 
        or group of related rules.
            (2) Requirements.--Each compliance guide published under 
        paragraph (1) shall--
                    (A) contain a summary description of the rule or 
                group of related rules;
                    (B) contain a citation to the location of the 
                complete rule or group of related rules in the Federal 
                Register;
                    (C) provide notice to small entities of the 
                requirements under the rule or group of related rules 
                and explain the actions that a small entity is required 
                to take to comply with the rule or group of related 
                rules;
                    (D) be written in a manner to be understood by the 
                average owner or manager of a small entity; and
                    (E) be updated as required to reflect changes in 
                the rule.
    (b) Dissemination.--
            (1) In general.--Each covered agency shall establish a 
        system to ensure that compliance guides required under this 
        section are published, disseminated, and made easily available 
        to small entities.
            (2) Small business development centers.--In carrying out 
        this subsection, each covered agency shall provide sufficient 
        numbers of compliance guides to small business development 
        centers for distribution to small businesses concerns.
    (c) Limitation on Enforcement.--
            (1) In general.--No covered agency may bring an enforcement 
        action in any Federal court or in any Federal administrative 
        proceeding against a small entity to enforce a rule for which a 
        compliance guide is not published and disseminated by the 
        covered agency as required under this section.
            (2) Effective dates.--This subsection shall take effect--
                    (A) 1 year after the date of the enactment of this 
                Act with regard to a final regulation in effect on the 
                date of the enactment of this Act; and
                    (B) on the date of the enactment of this Act with 
                regard to a regulation that takes effect as a final 
                regulation after such date of enactment.

SEC. 103. NO ACTION LETTER.

    (a) Application.--This section applies to all covered agencies, 
except--
            (1) the Federal Trade Commission;
            (2) the Equal Employment Opportunity Commission; and
            (3) the Consumer Product Safety Commission.
    (b) Issuance of No Action Letter.--Not later than 90 days after the 
date on which a covered agency receives a no action request, the agency 
shall--
            (1) make a determination regarding whether to grant the no 
        action request, deny the no action request, or seek further 
        information regarding the no action request; and
            (2) if the agency makes a determination under paragraph (1) 
        to grant the no action request, issue a no action letter and 
        transmit the letter to the requesting small entity.
    (c) Reliance on No Action Letter or Compliance Guide.--In any 
enforcement action brought by a covered agency in any Federal court or 
Federal administrative proceeding against a small entity, the small 
entity shall have a complete defense to any allegation of noncompliance 
or violation of a rule if the small entity affirmatively pleads and 
proves by a preponderance of the evidence that the act or omission 
constituting the alleged noncompliance or violation was taken in good 
faith with and in reliance on--
            (1) a no action letter from that agency; or
            (2) a compliance guide of the applicable rule published by 
        the agency under section 102(a).

SEC. 104. VOLUNTARY SELF-AUDITS.

    (a) Procedures.--Each agency shall establish voluntary self-audit 
procedures for small entities regulated by the agency.
    (b) Inadmissibility of Evidence and Limitation on Discovery.--If 
action to address a violation is taken not later than 180 days after 
the date on which a voluntary self-audit is concluded, the evidence 
described in subsection (c)--
            (1) shall not be admissible, unless agreed to by the small 
        entity, in any enforcement action brought against a small 
        entity by a Federal agency in any Federal--
                    (A) court; or
                    (B) administrative proceeding; and
            (2) may not be the subject of discovery in any enforcement 
        action brought against a small entity by a Federal agency in 
        any Federal--
                    (A) court; or
                    (B) administrative proceeding.
    (c) Application.--For purposes of subsection (b), the evidence 
described in this subsection is--
            (1) a voluntary self-audit made in good faith; and
            (2) any report, finding, opinion, or any other oral or 
        written communication made in good faith relating to such 
        voluntary self-audit.
    (d) Exceptions.--Subsection (b) shall not apply if--
            (1) the act or omission that forms the basis of the 
        enforcement action is a violation of criminal law; or
            (2) the voluntary self-audit or the report, finding, 
        opinion, or other oral or written communication was prepared 
        for the purpose of avoiding disclosure of information required 
        for an investigative, administrative, or judicial proceeding 
        that, at the time of preparation, was imminent or in progress.

                   TITLE II--MISCELLANEOUS PROVISIONS

SEC. 201. PERFORMANCE MEASURES.

    No covered agency shall establish or enforce agency personnel 
practices that reward agency employees, directly or indirectly, based 
on the number of contacts made with small entities in pursuit of 
enforcement actions or on the amount of fines levied against small 
entities to enforce agency regulations.

SEC. 202. GRACE PERIOD FOR CORRECTION OF VIOLATIONS OF ENVIRONMENTAL 
              PROTECTION AGENCY REGULATIONS.

    (a) In General.--Subject to subsection (b), for violations of 
regulations identified on or after the date of enactment of this Act, 
the Administrator of the Environmental Protection Agency shall afford 
small entities 180 days after the date on which the violation is 
identified to correct such violation.
    (b) Exception.--Subsection (a) shall not apply--
            (1) if the Administrator of the Environmental Protection 
        Agency determines that there is an imminent risk to public 
        health or worker safety; or
            (2) to a violation of a regulation for which criminal 
        liability may be imposed.

SEC. 203. WAIVER OF PUNITIVE FINES FOR SMALL ENTITIES.

    Notwithstanding any other law, policy, or practice, a covered 
agency may waive all or part of a punitive fine that would otherwise be 
imposed on a small entity if--
            (1) the fine is for a first time violation of a law or 
        regulation; and
            (2) the small entity acts quickly and in good faith to 
        correct the violation.
[A]: TABLE OF CONTENTS: 
     Title I:  Regulatory Simplification and Voluntary Compliance 
     Title II:  Miscellaneous Provisions 
Small Business Fair Treatment Act of 1995 - 
Title I:  Regulatory Simplification and Voluntary Compliance
 - Directs a Federal regulatory agency that is required to prepare a regulatory flexibility analysis for a rule or group of related rules to publish a compliance guide which:  (1) contains a summary of the rules and a citation as to their location; (2) provides a notice to small businesses (small entities) of such rules as well as an understandable explanation of actions necessary for compliance; and (3) is updated as required. Requires such guide to be disseminated to small entities, as well as to small business development centers.  Prohibits any covered agency from bringing an action against a small entity to enforce a rule for which such a guide has not been published and disseminated. 
(Sec. 103) Requires covered agencies other than the Federal Trade Commission, the Equal Employment Opportunity Commission, and the Consumer Product Safety Commission to determine within 90 days whether to grant or deny a request by a small entity that no action be taken against such entity with respect to the enforcement of a rule (no action request).  Allows a small entity to rely on a no action response from a covered agency in any subsequent action brought against the small entity for a rule's enforcement. 
(Sec. 104) Requires each covered agency to establish voluntary self-audit procedures for small entities regulated by the agency. Makes inadmissible as evidence in an action, as well as outside the bounds of discovery, any information compiled by a small entity in a voluntary self-audit, as long as an action to address such violation is brought within 180 days after the conclusion of the self-audit. 
Title II:  Miscellaneous Provisions
 - Prohibits any covered agency from establishing personnel practices that reward its employees based on the number of contacts made with small entities in pursuit of enforcement actions or the levy of fines to enforce agency regulations. 
(Sec. 202) Directs the Administrator of the Environmental Protection Agency (EPA) to afford small entities a 180-day grace period for the correction of EPA violations, with exceptions. 
(Sec. 203) Authorizes a covered agency to waive all or part of any punitive fine that would otherwise be imposed on a small entity:  (1) for a first time violation; and (2) if the small entity acts quickly and in good faith to correct the violation.


[Q]: SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Expanding Access to Medical Records 
Act''.

SEC. 2. FULL ACCESS TO MEDICARE INFORMATION BY THE AUTHORIZED 
              REPRESENTATIVE OF A DECEASED BENEFICIARY.

    (a) In General.--Title XVIII of the Social Security Act (42 U.S.C. 
1395 et seq.) is amended by adding at the end the following new 
section:

``full access to medicare information by the authorized representative 
                       of a deceased beneficiary

    ``Sec. 1899.  (a) In General.--In the case of the death of an 
individual entitled to, or enrolled for, benefits under part A or 
enrolled for benefits under part B, the Secretary shall--
            ``(1) make available to the authorized representative of 
        the individual all information concerning the individual's 
        benefits under this title, including--
                    ``(A) the coverage and status of such benefits (as 
                of the day before the individual's death); and
                    ``(B) billing, claims, and payment information 
                regarding items and services furnished to the 
                individual under this title (on or before such day); 
                and
            ``(2) provide such authorized representative access to any 
        source of information maintained by the Federal government with 
        respect to such benefits, including online databases, that the 
        individual had access to during his or her lifetime.
    ``(b) Definition of Authorized Representative; Special Rules.--
            ``(1) In general.--In this section, the term `authorized 
        representative' means an executor, administrator, or other 
        individual who has authority to act on the deceased 
        individual's behalf (as determined by the Secretary under 
        paragraph (2)).
            ``(2) Determination of authorized representative.--
                    ``(A) In general.--The Secretary shall establish 
                procedures under which the Secretary determines whether 
                an individual is an authorized representative of the 
                deceased individual. Under such procedures, the 
                individual seeking such determination shall provide 
                evidence (in such form and such manner as specified by 
                the Secretary) of the individual's legal authority to 
                act on behalf of the deceased individual.
                    ``(B) Timeline for determination.--The Secretary 
                shall make a determination under subparagraph (A) not 
                later than 30 days after receipt of the evidence 
                described in such subparagraph.
            ``(3) Notification and access to information.--After making 
        a determination under paragraph (2) with respect to an 
        individual, the Secretary shall--
                    ``(A) notify the individual of the determination 
                not later than 7 days after the date on which the 
                determination is made; and
                    ``(B) in the case where such individual is so 
                determined to be the authorized representative of the 
                deceased individual, as soon as practicable--
                            ``(i) make available to the authorized 
                        representative the information described in 
                        paragraph (1) of subsection (a); and
                            ``(ii) provide the authorized 
                        representative access to the sources described 
                        in paragraph (2) of such subsection.''.
    (b) Effective Date.--The amendment made by this section shall take 
effect on the date that is 60 days after the date of enactment of this 
Act.

SEC. 3. FULL ACCESS TO MEDICAID INFORMATION BY THE AUTHORIZED 
              REPRESENTATIVE OF A DECEASED BENEFICIARY.

    (a) In General.--Title XIX of the Social Security Act (42 U.S.C. 
1396 et seq.) is amended by adding at the end the following new 
section:

``full access to medicaid information by the authorized representative 
                       of a deceased beneficiary

    ``Sec. 1943.  (a) In General.--In the case of the death of an 
individual enrolled under the State plan for medical assistance or 
under a waiver of such plan, the State Medicaid agency shall--
            ``(1) make available to the authorized representative of 
        the individual all information concerning the individual's 
        benefits under this title, including--
                    ``(A) the coverage and status of such benefits (as 
                of the day before the individual's death); and
                    ``(B) billing, claims, and payment information 
                regarding items and services furnished to the 
                individual under this title (on or before such day); 
                and
            ``(2) provide such authorized representative access to any 
        source of information maintained by the State with respect to 
        such benefits, including online databases, that the individual 
        had access to during his or her lifetime.
    ``(b) Definition of Authorized Representative; Special Rules.--
            ``(1) In this section, the term `authorized representative' 
        means an executor, administrator, or other individual who has 
        authority to act on the deceased individual's behalf (as 
        determined by the State Medicaid agency under paragraph (2)).
            ``(2) Determination of authorized representative.--
                    ``(A) In general.--The State Medicaid agency shall 
                establish procedures under which such agency determines 
                whether an individual qualifies as an authorized 
                representative of the deceased individual. Under such 
                procedures, the individual seeking such a determination 
                shall provide evidence (in such form and such manner as 
                specified by the State Medicaid Agency) of the 
                individual's legal authority to act on behalf of the 
                deceased individual.
                    ``(B) Timeline for determination.--The State 
                Medicaid agency shall make a determination under 
                subparagraph (A) not later than 30 days after receipt 
                of the evidence described in such subparagraph.
            ``(3) Notification and access to information.--After making 
        a determination under paragraph (2) with respect to an 
        individual, the State Medicaid Agency shall--
                    ``(A) notify the individual of the determination 
                not later than 7 days after the date on which the 
                determination is made; and
                    ``(B) in the case where such individual is so 
                determined to be the authorized representative of the 
                deceased individual, as soon as practicable--
                            ``(i) make available to the authorized 
                        representative the information described in 
                        paragraph (1) of subsection (a); and
                            ``(ii) provide the authorized 
                        representative access to the sources described 
                        in paragraph (2) of such subsection.
    ``(c) Definition of State Medicaid Agency.--The term `State 
Medicaid agency' means the State agency responsible for administering 
the State plan established under this title or any waiver of such 
plan.''.
    (b) Effective Date.--
            (1) In general.--Except as provided in paragraph (2), the 
        amendment made by this section shall take effect on the date 
        that is 60 days after the date of enactment of this Act.
            (2) Extension of effective date for state law amendment.--
        In the case of a State plan under this title which the 
        Secretary of Health and Human Services determines requires 
        State legislation in order for the plan to meet the additional 
        requirements imposed by the amendment made by subsection (a), 
        the State plan shall not be regarded as failing to comply with 
        the requirements of such title solely on the basis of its 
        failure to meet these additional requirements before the first 
        day of the first calendar quarter beginning after the close of 
        the first regular session of the State legislature that begins 
        after the date of the enactment of this Act. For purposes of 
        the previous sentence, in the case of a State that has a 2-year 
        legislative session, each year of the session is considered to 
        be a separate regular session of the State legislature.
[A]: Expanding Access to Medical Records Act - Amends titles XVIII (Medicare) and XIX (Medicaid) of the Social Security Act to require the Secretary of Health and Human Services (HHS) grant the authorized representative of a deceased beneficiary full access to information with respect to the deceased beneficiary's benefits under the Medicare and Medicaid programs.


[Q]: SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Community Partners Neighborhood 
Preservation Act of 2011''.

SEC. 2. COMMUNITY PARTNERS NEXT DOOR PROGRAM.

    (a) Congressional Findings.--The Congress finds that--
            (1) teachers, law enforcement officers, fire fighters, and 
        rescue personnel help form the backbones of communities and are 
        integral components in the social capital of neighborhoods in 
        the United States; and
            (2) providing a discounted purchase price on HUD-owned 
        properties for teachers, law enforcement officers, fire 
        fighters, and rescue personnel recognizes the intrinsic value 
        of the services provided by such employees to their communities 
        and to family life and encourages and rewards those who are 
        dedicated to providing public service in our most needy 
        communities.
    (b) Discount and Downpayment Assistance for Teachers.--Section 
204(h) of the National Housing Act (12 U.S.C. 1710(h)) is amended--
            (1) by redesignating paragraphs (7) through (10) as 
        paragraphs (8) through (11), respectively; and
            (2) by inserting after paragraph (6) the following new 
        paragraph:
            ``(7) 50 percent discount for teachers and public safety 
        officers purchasing properties that are eligible assets.--
                    ``(A) Discount.--A property that is an eligible 
                asset and is sold, during fiscal years 2012 through 
                2022, to a teacher or public safety officer for use in 
                accordance with subparagraph (B) shall be sold at a 
                price that is equal to 50 percent of the appraised 
                value of the eligible property (as determined in 
                accordance with paragraph (6)(B)). In the case of a 
                property eligible for both a discount under this 
                paragraph and a discount under paragraph (6), the 
                discount under paragraph (6) shall not apply.
                    ``(B) Primary residence.--An eligible property sold 
                pursuant to a discount under this paragraph shall be 
                used, for not less than the 3-year period beginning 
                upon such sale, as the primary residence of a teacher 
                or public safety officer.
                    ``(C) Sale methods.--The Secretary may sell an 
                eligible property pursuant to a discount under this 
                paragraph--
                            ``(i) to a unit of general local government 
                        or nonprofit organization (pursuant to 
                        paragraph (4) or otherwise), for resale or 
                        transfer to a teacher or public safety officer; 
                        or
                            ``(ii) directly to a purchaser who is a 
                        teacher or public safety officer.
                    ``(D) Resale.--In the case of any purchase by a 
                unit of general local government or nonprofit 
                organization of an eligible property sold at a 
                discounted price under this paragraph, the sale 
                agreement under paragraph (8) shall--
                            ``(i) require the purchasing unit of 
                        general local government or nonprofit 
                        organization to provide the full benefit of the 
                        discount to the teacher or public safety 
                        officer obtaining the property; and
                            ``(ii) in the case of a purchase involving 
                        multiple eligible assets, any of which is such 
                        an eligible property, designate the specific 
                        eligible property or properties to be subject 
                        to the requirements of subparagraph (B).
                    ``(E) Mortgage downpayment assistance.--If a 
                teacher or public safety officer purchases an eligible 
                property pursuant to a discounted sale price under this 
                paragraph and finances such purchase through a mortgage 
                insured under this title, notwithstanding any provision 
                of section 203 the downpayment on such mortgage shall 
                be $100.
                    ``(F) Prevention of undue profit.--The Secretary 
                shall issue regulations to prevent undue profit from 
                the resale of eligible properties in violation of the 
                requirement under subparagraph (B).
                    ``(G) Definitions.--For the purposes of this 
                paragraph, the following definitions shall apply:
                            ``(i) The terms `elementary school' and 
                        `secondary school' have the meanings given such 
                        terms in section 14101 of the Elementary and 
                        Secondary Education Act of 1965 (20 U.S.C. 
                        8801), except that, for purposes of this 
                        paragraph, elementary education (as used in 
                        such section) shall include pre-Kindergarten 
                        education.
                            ``(ii) The term `eligible property' means 
                        an eligible asset described in paragraph (2)(A) 
                        of this subsection.
                            ``(iii) The term `public safety officer' 
                        means an individual who is employed on a full-
                        time basis as a public safety officer, as such 
                        term is defined in section 1204 of the Omnibus 
                        Crime Control and Safe Streets Act of 1968 (42 
                        U.S.C. 3796b).
                            ``(iv) The term `teacher' means an 
                        individual who is employed on a full-time 
                        basis, in an elementary or secondary school, as 
                        a State-certified or State-licensed classroom 
                        teacher or as an administrator.''.
    (c) Conforming Amendments.--Section 204(h) of the National Housing 
Act (12 U.S.C. 1710(h)) is amended--
            (1) in paragraph (4)(B)(ii), by striking ``paragraph (7)'' 
        and inserting ``paragraph (8)'';
            (2) in paragraph (5)(B)(i), by striking ``paragraph (7)'' 
        and inserting ``paragraph (8)''; and
            (3) in paragraph (6)(A), by striking ``paragraph (8)'' and 
        inserting ``paragraph (9)''.
    (d) Regulations.--Not later than 90 days after the date of the 
enactment of this Act, the Secretary shall issue regulations to 
implement the amendments made by this section.
    (e) Sense of Congress Regarding Inclusion of Other Federal 
Properties in Community Partners Next Door Program.--It is the sense of 
the Congress that the Secretary of Housing and Urban Development should 
consult with the heads of other agencies of the Federal Government that 
own or hold properties appropriate for use as housing to determine the 
possibility and effectiveness of including such properties in the 
program pursuant to section 204(h)(7) of the National Housing Act, and 
other programs that make housing available for law enforcement 
officers, teachers, or fire fighters.

SEC. 3. ELIGIBILITY OF COMMUNITY PARTNERS FOR PURCHASE OF HUD-ACQUIRED 
              PROPERTY.

    Notwithstanding any other provision of law, a public safety officer 
or teacher (as such terms are defined in section 204(h)(7)(G) of the 
National Housing Act (as amended by section 2 of this Act)) shall be 
eligible to purchase of any property owned or held by the Secretary of 
Housing and Urban Development pursuant to foreclosure of any mortgage 
insured by the Secretary or pursuant to assignment of the mortgage, 
deed in lieu of foreclosure, conveyance of title, or any other 
acquisition of the property or mortgage in connection with the payment 
of insurance benefits by the Secretary.

SEC. 4. RELEASE OF SECOND MORTGAGE FOR LAID-OFF COMMUNITY PARTNERS 
              UNDER GOOD NEIGHBOR NEXT DOOR INITIATIVE.

    The Secretary of Housing and Urban Development shall revise the 
Good Neighbor Next Door Initiative of the Secretary to provide that the 
subordinate mortgage on the property of a mortgagor who purchased a 
property under such initiative shall be released in any case in which 
the mortgagor loses his or her employment position as a law enforcement 
officer, teacher, firefighter, or emergency medical technician as a 
result of any reductions in force or other reason other than dismissal 
for cause.

SEC. 5. PREFERENCE UNDER HUD REO PROGRAM FOR COMMUNITY PARTNERS.

    The Secretary of Housing and Urban Development, in making any real 
estate owned of the Department of Housing and Urban Development 
available for purchase, shall provide a preference for purchase by 
public safety officers and teachers (as such terms are defined in 
section 204(h)(7)(G) of the National Housing Act (as amended by section 
2 of this Act)).
[A]:
Community Partners Neighborhood Preservation Act of 2011 - Amends the National Housing Act to provide: (1) a 50% discount for teachers and public safety officers purchasing certain eligible asset properties for use as their primary residence during FY2012-FY2022, and (2) a $100 downpayment on any related insured mortgage.

Authorizes such sales directly to a qualifying individual or to a unit of local government or a nonprofit organization for resale to such individual.

Expresses the sense of Congress that the Secretary of Housing and Urban Development (HUD) should consult with the heads of other federal agencies that own or hold properties appropriate for use as housing to determine the possibility and effectiveness of including such properties in programs that make housing available for law enforcement officers, teachers, or fire fighters.

 Makes a public safety officer or teacher eligible to purchase any property owned or held by the Secretary pursuant to: (1) foreclosure of any HUD-insured mortgage; or (2) assignment of the mortgage, deed in lieu of foreclosure, conveyance of title, or any other acquisition of the property or mortgage in connection with the payment of insurance benefits by the Secretary.

Directs the Secretary to revise the Good Neighbor Next Door Initiative to provide that the subordinate mortgage on the property of a mortgagor who purchased it under the Initiative shall be released in any case in which the mortgagor loses his or her employment position as a law enforcement officer, teacher, firefighter, or emergency medical technician as a result of any reductions in force or other reason other than dismissal for cause.

Directs the Secretary of HUD, in making any real estate owned by HUD available for purchase, to provide a preference for purchase by public safety officers and teachers.