TASK DEFINITION: In this task, you are given a summary for US Congressional and California state bill, your task is to generate a Title for this bill. The preferred titles are under forty words and mention the purpose of the bill.
PROBLEM: Local and Municipal Health Care Choice Act of 2015 Amends the Public Health Service Act to authorize a local government in a secondary state to provide group health coverage to its officers, employees, or retirees (and their dependents) through a local government employee health benefits pool or program authorized under the laws of a primary state. Defines: (1) "primary state" to mean the state designated by a local government employee health benefits pool or program as the state whose covered laws shall govern the pool or program in the issuance of group health coverage, and (2) "secondary state" to mean any state that is not the primary state. Makes a local government employee health benefits pool or program eligible to offer group health coverage to officials, employees, and retirees (and their dependents) of a local government located in a secondary state through an interlocal agreement with such local government, or as approved by an applicable state authority in such secondary state, unless objections are made within a specified time frame by the municipal league or association or county association located in the secondary state. Requires the covered laws of the primary state to apply to group health coverage offered by a local government employee health benefits pool or program in the primary state and in any secondary state, but only if the coverage and the pool or program comply with conditions set forth in this Act with respect to the offering of coverage in any secondary state.  Defines "covered laws" as the laws, rules, regulations, agreements, and orders pertaining to:  group health coverage issued by a local government employee health benefits pool or program;  the offer, sale, rating, renewal, and issuance of group health coverage to local government officials, employees, and retirees or their dependents;  the management, operations, and investment activities of such a pool or program;  loss control and claims administration for such a pool or program with respect to liability for which the pool or program provides coverage; or  the payment of applicable premium and other taxes that are levied on health insurance issuers, brokers, or policyholders under the laws of the state.  Excludes from such term any law, rule, regulation, agreement, or order governing the use of care or cost management techniques. Exempts a local government pool or program that offers group health coverage in a secondary state to the officers, employees, or retirees of a local government located in such secondary state from any covered laws of the secondary state. Permits a secondary state to require such a pool or program to register with an applicable authority in such state and to comply with any state law regarding fraud and abuse or unfair claims settlement practices.

SOLUTION: Local and Municipal Health Care Choice Act of 2015

PROBLEM: Small Business Loan Enhancement Act - Amends the Small Business Investment Act (SBIA):  (1) to include women-owned business development among the public policy goals for projects eligible for small business development company loans; and (2) to direct the Administrator of the Small Business Adminstration to require an appraisal of real estate if a loan made for plant acquisition, construction, conversion or expansion includes more than $250,000 for a real estate transaction, or to authorize the lender to require such an appraisal if the loan involves the use of $250,000 or less for such a transaction. 
Amends the Small Business Act to:  (1) authorize loans to small businesses for assistance in meeting Year 2000 technology requirements; and (2) set forth the same real estate appraisal requirements for loans under such Act as prescribed for SBIA loans above. 
Repeals provisions concerning the payment of accrued interest with respect to SBA-guaranteed small business loans. 
Amends the SBA's Microloan Program to:  (1) require its loan loss reserve fund to be maintained at a level equal to not more than 15 percent of the outstanding balance of the microloans owed to the intermediary; and (2) allow such fund to be reduced below such level if the intermediary can demonstrate to the Administrator, after a five-year participation period, that the average loan loss rate during such period is less than 15 percent, and the Administrator determines that no other factors are likely to impair the intermediary's ability to repay all obligations owed to the SBA. Directs the Administrator to then reduce such rate accordingly, except that such rate cannot be reduced to less than ten percent of the outstanding balance of the microloans owed to such intermediary.

SOLUTION: Small Business Loan Enhancement Act

PROBLEM: Responsible Homeowners Refinancing Act of 2012 - Requires the Federal National Mortgage Association (Fannie Mae) and Federal Home Loan Mortgage Corporation (Freddie Mac) (government sponsored enterprises or GSEs), in carrying out the Home Affordable Refinance Program, to adopt specified criteria pertaining to: (1) borrower eligibility, (2) representations and warranties, (3) prohibition on up-front fees, (4) alternative streamlined methods to appraise the value of a property, (5) an administrative penalty for lien-holder refusal to resubordinate junior liens, (6) carryover of mortgage insurance, and (7) guarantee fees.

Requires the GSE to notify all borrowers with a mortgage owned or guaranteed by a GSE about the Program and its eligibility criteria, and inform borrowers of the website required below.

Directs the Director of the Federal Housing Finance Agency (FHFA) to establish a single website where borrowers may: (1) determine their potential eligibility for participation in the Program, (2) see a complete list of and links to participating lenders, (3) use a mortgage refinance calculator to calculate potential payment savings based on different interest rates, and (4) obtain tips on refinancing their loan.

Directs the FHFA to issue guidelines to require the GSEs to make their refinancing guidelines consistent to ease lender compliance requirements, particularly with respect to: (1) loans with less than an 80% loan-to-value ratio, and (2) GSE closing cost policies.

SOLUTION:
A bill to provide for the expansion of affordable refinancing of mortgages held by the Federal National Mortgage Association and the Federal Home Loan Mortgage Corporation.