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 ``Adult Day Center Enhancement Act''.

SEC. 2. FINDINGS.

    The Congress finds the following:
            (1) One in 6 people in the United States lives with a 
        neurological disease or condition that can often result in 
        disability, and which may require the individual to seek 
        assistance in carrying out the activities of daily living. 
        Neurological diseases or conditions such as multiple sclerosis 
        (MS), early-onset Parkinson's disease, and traumatic brain 
        injury (TBI) can also typically affect younger adults in the 
        middle of their lives.
            (2) Multiple sclerosis is a chronic, often disabling 
        disease that attacks the central nervous system with symptoms 
        ranging from numbness in limbs to paralysis and loss of vision. 
        Most people with MS are diagnosed between the ages of 20 and 50 
        years of age. MS is a leading cause of disability in young 
        adults. Persons living with MS who experience more severe forms 
        of the disease are likely to require either home care or 
        nursing home placement, though the vast majority would prefer 
        to remain at home to receive the care they need. Where home 
        care is concerned, approximately 80 percent of such care is 
        provided by unpaid caregivers who are generally family members.
            (3) Parkinson's disease is a chronic, progressive 
        neurological disease. The four primary symptoms of Parkinson's 
        disease are tremor, or trembling in hands, arms, legs, jaw, and 
        face; rigidity, or stiffness of the limbs and trunk; 
        bradykinesia, or slowness of movement; and postural 
        instability, or impaired balance and coordination. Other 
        symptoms may include cognitive changes; difficulty in 
        swallowing, chewing, and speaking; urinary problems or 
        constipation; skin problems; and sleep disruptions. As these 
        symptoms become more pronounced, patients may have difficulty 
        walking, talking, or completing other simple tasks. It is 
        estimated that nearly 500,000 to 1,500,000 people live with 
        Parkinson's and of those 5 to 10 percent are diagnosed younger 
        than 60 and deemed ``early-onset''.
            (4) Traumatic brain injury is a neurological condition that 
        typically results from a blow or jolt to the head or a 
        penetrating head injury and that can impact one or more parts 
        of the brain, thereby temporarily or permanently disrupting 
        normal brain function. The Centers for Disease Control and 
        Prevention estimates that 1,700,000 TBIs occur annually, 
        resulting in disabilities affecting up to 90,000 people among a 
        broad range of age groups. Traumatic brain injury is also a 
        serious issue that affects military servicemembers. Estimates 
        in prior military conflicts indicate that TBI was present in 
        14-20 percent of surviving casualties.
            (5) Family caregivers are a crucial source of support and 
        assistance for individuals suffering with disabilities. Family 
        caregivers, the majority of whom are women, provide an 
        estimated $470,000,000,000 in ``free'' services annually. The 
        supply of family caregivers is unlikely to keep pace with 
        future demand. The caregiver support ratio of potential 
        caregivers aged 45 to 64 for each person aged 80 and older, for 
        instance, is 7 to 1 in 2010, 4 to 1 in 2030, and 3 to 1 in 
        2050.
            (6) The majority of family caregivers (or 53 percent) are 
        caring for someone ages 18 to 74. Forty-seven percent of family 
        caregivers are caring for someone 75 or older.
            (7) Adult day programs can offer services, including 
        medical care, rehabilitation therapies, dignified assistance 
        with the activities of daily living, nutrition therapy, health 
        monitoring, social interaction, stimulating activities, and 
        transportation to seniors, people with disabilities, and 
        younger adults with chronic diseases.
            (8) Adult day programs geared toward people living with 
        neurological diseases or conditions such as MS, Parkinson's 
        disease, TBI, or other similar diseases or conditions provide 
        an important response to the needs of people living with these 
        conditions and their family caregivers. Adult day programs can 
        help to ameliorate symptoms, reduce dependency, provide 
        important socialization opportunities, and maintain quality of 
        life.
            (9) Adult day programs have been shown to provide a range 
        of documented benefits including improvements in functional 
        status, social support, and reductions in fatigue, depression 
        and pain. Adult day programs also reduce ongoing medical care 
        and hospital costs and decrease admissions to nursing home 
        facilities, which can be costly for many families, by allowing 
        individuals to receive health and social services while 
        continuing to live at home.
            (10) There are currently few adult day programs focused on 
        younger adult populations in the United States. Although young 
        people living with neurological diseases or conditions may be 
        able to access existing adult day programs, such programs are 
        not typically intended for younger adults living with chronic 
        diseases or conditions, and may not provide the appropriate 
        services to meet the age-related or disability status of these 
        individuals.

SEC. 3. ESTABLISHMENT OF ADULT DAY PROGRAMS.

    (a) Survey of Existing Adult Day Programs.--
            (1) In general.--Not later than 90 days after the date of 
        the enactment of this section, the Assistant Secretary for 
        Aging shall initiate a comprehensive survey of current adult 
        day programs that provide care and support to individuals 
        including young adults living with neurological diseases or 
        conditions such as multiple sclerosis, Parkinson's disease, 
        traumatic brain injury, or any similar disease or condition.
            (2) Survey elements.--In carrying out the survey under 
        paragraph (1), the Assistant Secretary for Aging may utilize 
        existing publicly available research on adult day programs, and 
        shall--
                    (A) identify ongoing successful adult day programs, 
                including by providing a brief description of how such 
                programs were initially established and funded;
                    (B) identify which adult day programs are serving 
                young adults living with neurological diseases or 
                conditions;
                    (C) develop a set of best practices to help guide 
                the establishment and replication of additional 
                successful adult day programs, including--
                            (i) program guidelines;
                            (ii) recommendations on the scope of 
                        services that should be provided to individuals 
                        with neurological diseases or conditions 
                        including young adults (which may include 
                        rehabilitation therapy, psychosocial support, 
                        social stimulation and interaction, and 
                        spiritual, educational, or other such 
                        services); and
                            (iii) performance goals and indicators to 
                        measure and analyze the outcomes generated by 
                        the services provided and to evaluate the 
                        overall success of the program; and
                    (D) evaluate the extent to which the Administration 
                for Community Living supports adult day programs, 
                either directly or indirectly, through current Federal 
                grant programs.
            (3) Report.--Not later than 180 days after initiating the 
        survey under paragraph (1), the Assistant Secretary for Aging 
        shall produce and make publicly available a summary report on 
        the results of the survey. Such report shall include each of 
        the elements described in paragraph (2).
    (b) Establishment of Grant Program.--
            (1) In general.--Not later than 90 days after producing the 
        report required by subsection (a)(3), the Assistant Secretary 
        for Aging shall establish within the Administration for 
        Community Living a competitive grant program for awarding 
        grants annually to eligible entities, based on the best 
        practices developed under subsection (a), to fund adult day 
        programs serving younger people with neurological diseases or 
        conditions.
            (2) Eligible entities.--In order to be eligible for a grant 
        under this subsection, an entity shall demonstrate the 
        following:
                    (A) Understanding of the special needs of younger 
                people living with neurological diseases or conditions 
                such as multiple sclerosis, Parkinson's disease, 
                traumatic brain injury, or other similar diseases or 
                conditions, including their functional abilities and 
                the potential complications across all types of cases 
                and stages of such diseases or conditions.
                    (B) Understanding of the issues experienced by 
                family caregivers who assist a family member with 
                neurological diseases or conditions such as multiple 
                sclerosis, Parkinson's disease, traumatic brain injury, 
                or other similar diseases or conditions.
                    (C) A capacity to provide the services recommended 
                by the best practices developed under subsection (a).
            (3) Additional selection requirement.--The Assistant 
        Secretary for Aging shall not award a grant to an entity under 
        this subsection if the amount of the award would constitute 
        more than 40 percent of the operating budget of the entity in 
        the fiscal year for which funds for the grant are authorized to 
        be expended. For purposes of this subsection, the fair market 
        value of annual in-kind contributions of equipment or services 
        shall be considered as part of the operating budget of the 
        entity.
            (4) Selection of grant recipients.--Not later than 90 days 
        after establishing the grant program under this subsection, the 
        Assistant Secretary for Aging shall award the first annual 
        series of grants under the program. In awarding grants under 
        this subsection, the Assistant Secretary should ensure, to the 
        extent practicable, a diverse geographic representation among 
        grant recipients and that, subject to the availability of 
        appropriations--
                    (A) a minimum of 5 entities are selected as grant 
                recipients for the first fiscal year for which such 
                grants are awarded;
                    (B) a minimum of 10 entities are selected as grant 
                recipients for the second such fiscal year;
                    (C) a minimum of 12 entities are selected as grant 
                recipients for the third such fiscal year; and
                    (D) a minimum of 15 entities are selected as grant 
                recipients for the fourth such fiscal year.
            (5) Report.--No later than 1 year after the initial award 
        of grants under this subsection, and annually thereafter, the 
        Assistant Secretary for Aging shall produce and make publicly 
        available a brief summary report on the grant program under 
        this section. Each such report shall include the following:
                    (A) A description of the adult day programs 
                receiving funding under this section, including the 
                amount of Federal funding awarded and the expected 
                outcomes of each program.
                    (B) A description of performance goals and 
                indicators to monitor the progress of grant recipients 
                in--
                            (i) responding to the needs of younger 
                        individuals living with neurological diseases 
                        or conditions such as multiple sclerosis, 
                        Parkinson's disease, traumatic brain injury, or 
                        other similar diseases or conditions; and
                            (ii) assisting the family caregivers of 
                        such individuals.
                    (C) Any plans for improving oversight and 
                management of the grant program.
    (c) Definitions.--In this Act:
            (1) The term ``adult day program'' means a program that 
        provides comprehensive and effective care and support services 
        to individuals living with neurological diseases or conditions 
        such as multiple sclerosis, Parkinson's disease, traumatic 
        brain injury, or other similar diseases or conditions that may 
        result in a functional or degenerative disability and to their 
        family caregivers and that may assist participants in ways 
        that--
                    (A) maintain or improve their functional abilities, 
                or otherwise help them adjust to their changing 
                functional abilities;
                    (B) prevent the onset of complications associated 
                with severe forms of the disease or condition;
                    (C) promote alternatives to placement in nursing 
                homes;
                    (D) reduce the strain on family caregivers taking 
                care of a family member living with such diseases or 
                conditions;
                    (E) focus on supporting the emotional, social, and 
                intellectual needs of a younger adult population; or
                    (F) address the needs of veterans living with such 
                diseases or conditions.
            (2) The term ``family caregiver'' means a family member or 
        foster parent who provides unpaid assistance (which may include 
        in-home monitoring, management, supervision, care and 
        treatment, or other similar assistance) to another adult family 
        member with a special need.
    (d) Authorization of Appropriations.--To carry out this section, in 
addition to amounts otherwise made available for such purpose, there 
are authorized to be appropriated, and to remain available until 
expended, the following:
            (1) $1,000,000 for fiscal year 2017.
            (2) $3,000,000 for fiscal year 2018.
            (3) $6,000,000 for fiscal year 2019.
            (4) $8,000,000 for fiscal year 2020.
            (5) $10,000,000 for fiscal year 2021.
[A]: Adult Day Center Enhancement Act This bill requires the Administration on Aging (AOA) to initiate a comprehensive survey of current adult day programs that provide care and support to individuals with neurological diseases or conditions such as multiple sclerosis, Parkinson's disease, or traumatic brain injury. The AOA must identify ongoing successful adult day programs and which of these serve young adults with neurological conditions and develop best practices to guide the establishment of additional successful adult day programs. The AOA must award grants for adult day programs that serve younger people with neurological conditions. An &quot;adult day program&quot; is defined as a program that provides comprehensive care and support services to individuals with neurological conditions and to their family caregivers and that may assist participants in ways that:  maintain or improve their functional abilities or otherwise help them adjust to their changing functional abilities; prevent the onset of complications associated with severe forms of the condition; promote alternatives to placement in nursing homes; reduce the strain on family caregivers of individuals with neurological conditions; focus on supporting the emotional, social, and intellectual needs of a younger adult population; or address the needs of veterans with neurological conditions. 


[Q]: SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Accurate Education for Prenatal 
Screenings Act''.

SEC. 2. CELL-FREE DNA PRENATAL SCREENING EDUCATION PROGRAMS.

    Part B of title III of the Public Health Service Act is amended by 
inserting, after section 317T (42 U.S.C. 247b-22), the following:

``SEC. 317U. CELL-FREE DNA PRENATAL SCREENING EDUCATION PROGRAMS.

    ``(a) Education Programs.--With respect to cell-free DNA prenatal 
screening, the Secretary, acting through the Director of the Centers 
for Disease Control and Prevention, shall develop, implement, and 
maintain two programs, one for patients and one for health care 
providers, to educate patients and health care providers regarding 
matters including--
            ``(1) the purposes and definitions of such screenings;
            ``(2) the reasons for patients and health care providers to 
        consider such screenings;
            ``(3) the conditions such screenings may detect, including 
        accurate and up-to-date information about such conditions' 
        clinical features, prognoses, and treatments according to 
        relevant national disability organizations and medical 
        professional societies;
            ``(4) the risks and benefits of, and alternatives to, the 
        various methods of administering such screenings and prenatal 
        diagnostic testings, including the option to forego such 
        screenings and testings, as per guidelines established by 
        medical professional societies;
            ``(5) the possible results of such screenings;
            ``(6) the accuracy of the results of such screenings, 
        including positive predictive value, negative predictive value, 
        specificity, sensitivity, the inability of such screenings to 
        reliably diagnose chromosomal abnormalities, and the fact that 
        such screenings may yield false-positive and false-negative 
        results;
            ``(7) the need for diagnostic testing, and counseling by a 
        genetics professional, for patients whose screenings yield 
        positive, abnormal, or indeterminate results; and
            ``(8) the need for communication of screening results to 
        patients and appropriate follow up per guidelines established 
        by medical professional societies.
    ``(b) Materials.--Each program developed under this section shall 
include the provision of materials that--
            ``(1) contain information that is peer-reviewed, balanced, 
        accurate, and up-to-date;
            ``(2) enable the respective target audience to understand 
        the available options with regards to cell-free DNA prenatal 
        screenings, other prenatal screenings, and diagnostic tests;
            ``(3) promote the informed consent, and enhance the 
        decision-making processes of, the respective target audience 
        before and after such screenings;
            ``(4) contain information that appropriately addresses the 
        diversity of the patient population, including patients 
        proficient in languages other than English; and
            ``(5) contain contact information for relevant services and 
        support organizations for patients.
    ``(c) Assessment.--In developing, implementing, and maintaining 
programs and materials under this section, the Secretary, acting 
through the Director of the Centers for Disease Control and Prevention, 
shall--
            ``(1) consult with relevant medical professional, 
        disability support, patient advocacy, parents, and genetics 
        professionals organizations;
            ``(2) consult with companies and laboratories that perform 
        cell-free DNA prenatal screenings or develop the technologies 
        for such screenings;
            ``(3) assess and evaluate existing education activities and 
        materials for health care providers and patients related to 
        such screenings; and
            ``(4) take the results of such consultations, assessment, 
        and evaluation into account in developing educational programs 
        and materials under this section.
    ``(d) Annual Report.--Not later than 16 months after the date of 
enactment of this section and annually thereafter, the Secretary shall 
submit a progress report to the Congress with respect to--
            ``(1) the development and implementation of the education 
        programs established under this section;
            ``(2) the accessibility of each program to its respective 
        target audience;
            ``(3) the adoption of each program by its respective target 
        audience; and
            ``(4) the Secretary's efforts to ensure health care 
        providers and patients receive the materials created pursuant 
        to this section.
    ``(e) Deadline.--The Secretary shall develop and implement the 
education programs required by section 317U of the Public Health 
Service Act (as added by subsection (a)) not later than 1 year after 
the date of enactment of this Act''.
[A]: Accurate Education for Prenatal Screenings Act Amends the Public Health Service Act to direct the Centers for Disease Control and Prevention (CDC) to develop, implement, and maintain two programs, one to educate patients and one to educate health care providers regarding:   the purposes and definitions of cell-free DNA prenatal screenings;   the reasons for patients and providers to consider such screenings;  the conditions such screenings may detect;  the risks and benefits of, and alternatives to, the various methods of administering such screenings and prenatal diagnostic testing;  the possible results of such screenings and the accuracy of such results;   the need for diagnostic testing, and counseling by a genetics professional, for patients whose screenings yield positive, abnormal, or indeterminate results; and   the need for communication of results to patients and appropriate follow-up per guidelines established by medical professional societies.  Requires each program to provide materials that:   contain information that is peer-reviewed, balanced, accurate, and up-to-date;   enable the respective target audience to understand the available options with regard to such screenings, other prenatal screenings, and diagnostic tests;   promote the informed consent of, and enhance the decision-making processes of, the respective target audience before and after such screenings;   contain information that appropriately addresses the diversity of the patient population; and   contain contact information for relevant services and support organizations for patients.    Requires CDC to submit annual reports regarding:  the development and implementation of such programs;   the accessibility of each program to, and the adoption of each program by, its respective target audience; and   CDC's efforts to ensure that providers and patients receive the materials created pursuant to this Act. 


[Q]: SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Mortgage Enhancement and 
Modification Act of 2008''.

SEC. 2. SAFE HARBOR FOR QUALIFIED LOAN MODIFICATIONS OR WORKOUT PLANS 
              FOR CERTAIN RESIDENTIAL MORTGAGE LOANS.

    (a) Standard for Loan Modifications or Workout Plans.--Absent 
specific contractual provisions to the contrary--
            (1) the duty to maximize or not negatively affect, the 
        recovery of total proceeds from pooled residential mortgage 
        loans is owed by a servicer of such pooled loans to the 
        securitization vehicle for the benefit of all investors and 
        holders of beneficial interests in the pooled loans, in the 
        aggregate, and not to any individual party or group of parties;
            (2) a servicer of pooled residential mortgage loans shall 
        be deemed to be acting on behalf of the securitization vehicle 
        in the best interest of all investors and holders of beneficial 
        interests in the pooled loans, in the aggregate if--
                    (A) for a loan that is in payment default under the 
                loan agreement or for which payment default is imminent 
                or reasonably foreseeable, the loan servicer makes 
                reasonable and documented efforts, which shall be made 
                available to the investors and holders of beneficial 
                interests in the pooled loans upon request, to 
                implement a modification or workout plan; or
                    (B) the efforts under subparagraph (A) are 
                unsuccessful or such plan would be infeasible, engages 
                in other loss mitigation, including accepting a short 
                payment or partial discharge of principal, or agreeing 
                to a short sale of the property, to the extent that the 
                servicer reasonably believes the modification or 
                workout plan or other mitigation actions will maximize 
                the net present value to be realized on the loans over 
                that which would be realized through foreclosure under 
                the present terms of the contract; and
            (3) a servicer shall be deemed to be acting on behalf of 
        the securitization vehicle in the best interest of all 
        investors and holders of beneficial interests in the pooled 
        loans, in the aggregate, if the servicer makes efforts--
                    (A) to proactively contact borrowers that are 
                reasonably considered to be approaching a calendar date 
                in which a predetermined or contractually established 
                rate of interest on the principal of the loan shall--
                            (i) increase or fluctuate in accordance 
                        with a designated market indicator or 
                        indicators; or
                            (ii) increase or fluctuate within a 
                        predetermined range; and
                    (B) to determine--
                            (i) the ability of the borrower to make 
                        payments following a reset of interest rates 
                        using common and appropriate metric standards 
                        such as debt to income ratios;
                            (ii) whether the borrower is in danger of 
                        default or disclosure; and
                            (iii) whether a loan modification or other 
                        mitigation effort is appropriate.
    (b) Safe Harbor.--Absent specific contractual provisions to the 
contrary, a servicer of a residential mortgage loan that acts in a 
manner consistent with the provisions set forth in subsection (a), 
shall not be liable for entering into a qualified loan modification, or 
other loss mitigation effort described in subsection (a) to--
            (1) any person, based on that person's ownership of a 
        residential mortgage loan or any interest in a pool of 
        residential mortgage loans or in securities that distribute 
        payments out of the principal, interest, and other payments in 
        loans on the pool;
            (2) any person who is obligated to make payments determined 
        in reference to any loan or any interest referred to in 
        paragraph (1);
            (3) any person that insures any loan or any interest 
        referred to in paragraph (1) under any law or regulation of the 
        United States or any law or regulation of any State or 
        political subdivision of any State; or
            (4) any other person or institution that may have a 
        financial or commercial relationship and association with the 
        persons associated in paragraphs (1) through (3).
    (c) Rule of Construction.--No provision of this section shall be 
construed as limiting the ability of a servicer to enter into loan 
modifications or workout plans other than qualified loan modification 
or workout plans.
    (d) Definitions.--As used in this section, the following 
definitions shall apply:
            (1) Qualified loan modification or workout plan.--The term 
        ``qualified loan modification or workout plan'' means a 
        modification or plan that--
                    (A) is scheduled to remain in place until the 
                borrower sells or refinances the property, or for at 
                least 5 years from the date of adoption of the plan, 
                whichever is sooner;
                    (B) does not provide for a repayment schedule that 
                results in negative amortization at any time;
                    (C) does not require the borrower to pay additional 
                points and fees;
                    (D) materially improves the ability of the borrower 
                to--
                            (i) prevent foreclosure; and
                            (ii) resume a reasonable repayment schedule 
                        based on, but not limited to, debt to income 
                        ratio; and
                    (E) would reasonably reduce the likelihood of 
                default of foreclosure during the life of the 
                modification or plan;
                    (F) may waive any prepayment penalties that 
                reasonably inhibited a loan holder from fulfilling his 
                ability to pay down the principal or maintain regular 
                payments as defined by the terms of the loan; and
                    (G) includes full and accurate disclosure to the 
                borrower of the terms of the modification or workout 
                plan, provided that such disclosures are executed in 
                easy to understand terms that demonstrate how the 
                borrower will benefit from the new terms in such 
                modification or workout plan as compared with the terms 
                and conditions of the previous loan of the borrower.
            (2) Residential mortgage loan.--The term ``residential 
        mortgage loan'' means a loan that is secured by a lien on an 
        owner-occupied residential dwelling.
            (3) Securitization vehicle.--The term ``securitization 
        vehicle'' means a trust, corporation, partnership, limited 
        liability entity, special purpose entity, or other structure 
        that--
                    (A) is the issuer, or is created by the issuer, of 
                mortgage pass-through certificates, participation 
                certificates, mortgage-backed securities, or other 
                similar securities backed by a pool of assets that 
                includes residential mortgage loans; and
                    (B) holds such loans.
    (e) Limitations on Safe Harbor.--Except for the provisions of 
section 2 that limit liability for efforts to pursue qualified loan 
modifications or workout plans, the provisions of this section shall 
not be construed to affect or limit any other liability, duty, or other 
fiduciary obligation of the servicer to the investors and holders of 
beneficial interests in the pooled loans to a securitization vehicle, 
as prescribed by any other specific contractual provision agreed upon, 
or any other liability, duty, or other fiduciary obligation set forth 
under any--
            (1) law or regulation of the United States;
            (2) law or regulation of any State or political subdivision 
        of any State; or
            (3) established and approved standards for best practices 
        of any industry or trade group.
    (f) Effective Period.--This section shall apply only with respect 
to qualified loan modification or workout plans initiated prior to 
January 1, 2012.
[A]:
Mortgage Enhancement and Modification Act of 2008 - Establishes a standard for loan modifications or workout plans for pools of certain residential mortgage loans.

States that a servicer of such pooled loans owes a duty to the securitization vehicle to maximize, or not negatively affect, the recovery of total proceeds from such loans for the benefit of all investors and holders of beneficial interests in the pooled loans, in the aggregate, and not to any individual party or group of parties.

Deems the loan servicer to be acting on behalf of the securitization vehicle in the best interest of all such investors and holders if the servicer: (1) makes reasonable, documented efforts to implement a modification or workout plan for a loan in or facing payment default; or (2) engages in other loss mitigation efforts, if the former efforts fail or the plan would be infeasible, in the reasonable belief that such efforts will maximize the net present value to be realized over that which would be realized through foreclosure.

Declares, furthermore, that a servicer shall be deemed to be acting on behalf of the securitization vehicle in the best interest of all investors and beneficial interest holders if the servicer makes efforts to: (1) contact proactively borrowers approaching a calendar date in which a predetermined or contractually established rate of interest shall increase or fluctuate in accordance with specified indicators or within a predetermined range; and (2) determine the borrower's ability to make payments following a reset of interest rates, whether the borrower is in danger of default or disclosure, and whether a loan modification or other mitigation effort is appropriate.

Declares that, absent specific contractual provisions to the contrary, a servicer acting in a manner consistent with such duty shall not be liable to specified persons for entering into a qualified loan modification or workout plan for loss mitigation purposes.