		I
		111th CONGRESS
		2d Session
		H. R. 5528
		IN THE HOUSE OF REPRESENTATIVES

			June 15, 2010
			Mr. Carney (for
			 himself and Mr. Bilirakis) introduced
			 the following bill; which was referred to the
			 Committee on Homeland
			 Security, and in addition to the Committee on the
			 Judiciary, for a period
			 to be subsequently determined by the Speaker, in each case for consideration of
			 such provisions as fall within the jurisdiction of the committee
			 concerned

		A BILL
		To enhance the integrity of the United States against the
		  threat of terrorism.

		1.Border security and
			 immigration enforcement of State and local law enforcement personnel
			(a)In
			 generalThere are authorized
			 to be appropriated such sums as may be necessary for fiscal year 2011, to
			 remain available until September 30, 2012, for the purpose of enhancing the
			 integrity of the United States against the threat of terrorism.
			(b)Use of
			 fundsFrom amounts made
			 available under subsection (a), the Secretary of Homeland Security may
			 reimburse a State or political subdivision described in subsection (c) for the
			 expenses described in subsection (d).
			(c)Eligible
			 recipientsA State, or a
			 political subdivision of a State, is eligible for reimbursement under
			 subsection (b) if the State or political subdivision—
				(1)has entered into a
			 written agreement described in section 287(g) of the Immigration and
			 Nationality Act (8 U.S.C. 1357(g)) under which certain officers or employees of
			 the State or subdivision may be authorized to perform certain functions of an
			 immigration officer; and
				(2)desires such
			 officers or employees to receive training for the Department of Homeland
			 Security in relation to such functions, including border security and
			 immigration enforcement functions.
				(d)ExpensesThe expenses described in this subsection
			 are actual and necessary expenses incurred by the section by the State or
			 political subdivision in order to permit the training described in subsection
			 (c)(2) to take place, including expenses such as the following:
				(1)Costs of travel
			 and transportation to locations where training is provided, including mileage
			 and related allowances for the use of a privately owned automobile.
				(2)Subsistence
			 consisting of lodging, meals, and other necessary expenses for the personal
			 sustenance and comfort of a person required to travel away from their person’s
			 regular post of duty in order to participate in the training.
				(3)A
			 per diem allowance paid instead of actual expenses for subsistence and fees or
			 tips to porters and stewards.
				(4)Costs of securing
			 temporary replacements for personnel traveling to, and participating in, the
			 training.


 HR 3468 ENR: Credit Union Share Insurance Fund Parity Act
U.S. House of Representatives

text/xml
EN
Pursuant to Title 17 Section 105 of the United States Code, this file is not subject to copyright protection and is in the public domain.

I
One Hundred Thirteenth Congress of the United States of America At the Second SessionBegun and held at the City of Washington on Friday, the third day of January, two thousand and fourteen
H. R. 3468

AN ACT
To amend the Federal Credit Union Act to extend insurance coverage to amounts held in a member account on behalf of another person, and for other purposes.

1.Short titleThis Act may be cited as the Credit Union Share Insurance Fund Parity Act.
2.Insurance of amounts held on behalf of othersSection 207(k) of the Federal Credit Union Act (12 U.S.C. 1787(k)) is amended—
(1)in paragraph (1)(A)—
(A)by inserting after payable to any member the following: , or to any person with funds lawfully held in a member account,; and
(B)by striking and paragraphs (5) and (6);
(2)in paragraph (2)(A), by striking (as determined under paragraph (5));
(3)by redesignating paragraph (5) as paragraph (6); and
(4)by inserting after paragraph (4) the following:

(5)Coverage for Interest On Lawyers Trust Accounts (IOLTA) and other similar escrow accounts
(A)Pass-through insuranceThe Administration shall provide pass-through share insurance for the deposits or shares of any interest on lawyers trust account (IOLTA) or other similar escrow accounts.
(B)Treatment of IOLTAs
(i)Treatment as escrow accountsFor share insurance purposes, IOLTAs are treated as escrow accounts.
(ii)Treatment as member accountsIOLTAs and other similar escrow accounts are considered member accounts for purposes of paragraph (1), if the attorney administering the IOLTA or the escrow agent administering the escrow account is a member of the insured credit union in which the funds are held.
(C)DefinitionsFor purposes of this paragraph:
(i)Interest on lawyers trust accountThe terms interest on lawyers trust account and IOLTA mean a system in which lawyers place certain client funds in interest-bearing or dividend-bearing accounts, with the interest or dividends then used to fund programs such as legal service organizations who provide services to clients in need.
(ii)Pass-through share insuranceThe term pass-through share insurance means, with respect to IOLTAs and other similar escrow accounts, insurance coverage based on the interest of each person on whose behalf funds are held in such accounts by the attorney administering the IOLTA or the escrow agent administering a similar escrow account, in accordance with regulations issued by the Administration.
(D)Rule of constructionNo provision of this paragraph shall be construed as authorizing an insured credit union to accept the deposits of an IOLTA or similar escrow account in an amount greater than such credit union is authorized to accept under any other provision of Federal or State law..
 Speaker of the House of Representatives.Vice President of the United States and President of the Senate.


113 HJ 39 IH: Proposing an amendment to the Constitution of the United States.
U.S. House of Representatives
2013-04-15
text/xml
EN
Pursuant to Title 17 Section 105 of the United States Code, this file is not subject to copyright protection and is in the public domain.

		IA
		113th CONGRESS
		1st Session
		H. J. RES. 39
		IN THE HOUSE OF REPRESENTATIVES

			April 15, 2013
			Mr. Neugebauer
			 introduced the following joint resolution; which was referred to the
			 Committee on the
			 Judiciary

		JOINT RESOLUTION
		Proposing an amendment to the Constitution
		  of the United States.

		That the following article is proposed as
			 an amendment to the Constitution of the United States, which shall be valid to
			 all intents and purposes as part of the Constitution when ratified by the
			 legislatures of three-fourths of the several States within seven years after
			 the date of its submission for ratification:

				 —
					1.Any bill, resolution, or other legislative
				measure changing the internal revenue laws shall require for final adoption in
				each House the concurrence of two-thirds of the Members of that House voting
				and present, unless that bill, resolution, or other legislative measure is
				determined at the time of adoption, in a reasonable manner prescribed by law,
				not to increase the internal revenue by more than a de minimis amount. For the
				purposes of determining any increase in the internal revenue under this
				section, there shall be excluded any increase resulting from the lowering of an
				effective rate of any tax. On any vote for which the concurrence of two-thirds
				is required under this article, the yeas and nays of the Members of either
				House shall be entered on the Journal of that House.
					2.The Congress may waive the requirements of
				this article when a declaration of war is in effect. The Congress may also
				waive this article when the United States is engaged in military conflict which
				causes an imminent and serious threat to national security and is so declared
				by a joint resolution, adopted by a majority of the whole number of each House,
				which becomes law. Any increase in the internal revenue enacted under such a
				waiver shall be effective for not longer than two
				years.
					.


IV
108th CONGRESS
2d Session
H. RES. 680
IN THE HOUSE OF REPRESENTATIVES

June 16, 2004
Mr. Gibbons submitted the following resolution; which was referred to the Committee on International Relations

RESOLUTION
To urge the resolution of claims related to the confiscation of certain property by the Government of Italy.

Whereas the Government of the Italian Republic confiscated the property of Mr. Pier Talenti, a citizen of the United States, and has failed to compensate Mr. Talenti for that property;
Whereas the Government of Italy has an obligation under the Treaty of Friendship, Commerce and Navigation, signed at Rome February 2, 1948 (63 Stat. 2255) between the United States and the Italian Republic to provide compensation to Mr. Talenti for the confiscated property;
Whereas the failure of the Government of Italy to compensate Mr. Talenti runs counter to such Government’s treaty obligations and to accepted international standards;
Whereas section 1611 of H.R. 1757, 105th Congress, as passed by the Senate on June 17, 1997, expressed the sense of Congress that the Italian Republic must honor its Treaty obligations with regard to the confiscated property of Mr. Pier Talenti by negotiating a prompt resolution of Mr. Talenti’s case, and that the Department of State should continue to press the Italian government to resolve Mr. Talenti’s claim.; and
Whereas Mr. Talenti has exhausted all legal remedies available to him under the Italian judicial system and has not received just and effective compensation for the confiscated property from the Government of Italy as required under the Treaty of Friendship, Commerce and Navigation: Now, therefore, be it

That
it is the sense of the House of Representatives that—
(1)the Government of Italy should—
(A)fulfill the requirements of the Treaty of Friendship, Commerce and Navigation signed at Rome February 2, 1948 (63 Stat. 2255) between the United States and the Italian Republic with respect to the property of Mr. Pier Talenti which was confiscated by such Government; and
(B)make reasonable efforts to effect a prompt resolution of Mr. Talenti’s claims under such Treaty; and
(2)the Secretary of State should—
(A)continue to press the Government of Italy to resolve Mr. Talenti’s claims; and
(B)take any further measures, including all appropriate diplomatic initiatives, that the Secretary determines could assist Mr. Talenti in receiving such compensation from the Government of Italy.


115 S787 IS: Telehealth Innovation and Improvement Act of 2017
U.S. Senate
2017-03-30
text/xml
EN
Pursuant to Title 17 Section 105 of the United States Code, this file is not subject to copyright protection and is in the public domain.

II115th CONGRESS1st SessionS. 787IN THE SENATE OF THE UNITED STATESMarch 30, 2017Mr. Gardner (for himself and Mr. Peters) introduced the following bill; which was read twice and referred to the Committee on FinanceA BILLTo require the Center for Medicare and Medicaid Innovation to test the effect of including
			 telehealth services in Medicare health care delivery reform models.

 1.Short titleThis Act may be cited as the Telehealth Innovation and Improvement Act of 2017.
		2.CMI testing of coverage of expanded telehealth services
 (a)In generalSection 1115A of the Social Security Act (42 U.S.C. 1315a) is amended— (1)in subsection (b)(2)—
 (A)in subparagraph (A), by adding at the end the following new sentence: The models selected under this subparagraph shall include the model described in subparagraph (D), which shall be implemented by not later than January 1, 2018.; and
 (B)by adding at the end the following new subparagraph:  (D)Telehealth services in delivery reform modelsThe model described in this subparagraph is a model that meets the requirements of subsection (h) with respect to coverage of, and payment for, expanded telehealth services, which shall include remote monitoring services, furnished in conjunction with models that test the use of accountable care organizations under title XVIII, bundled payments under such title, and such other coordinated care models under such title as the Secretary determines to be appropriate.;
 (2)in subsection (b)(4), by striking Evaluation.— and inserting Evaluation.—Subject to subsection (h)(6):; and (3)by adding at the end the following new subsection:

						(h)Medicare coverage of expanded telehealth services under accountable care organization models,
			 bundled payment models, and other appropriate models tested by the
			 Secretary
							(1)Establishment of telehealth service models
 (A)In generalSubject to the succeeding provisions of this subsection, for the 5-year period that begins on January 1, 2018, the Secretary shall test coverage of, and payment for, expanded telehealth services (as defined in paragraph (2)) furnished to applicable individuals who are Medicare beneficiaries (as defined in paragraph (3)(B)) in conjunction with models tested under subsection (b), and expanded under subsection (c) (if applicable), that test the use of accountable care organizations under title XVIII, bundled payments under such title, and such other coordinated care models under such title as the Secretary determines to be appropriate.
 (B)Model design considerationsIn establishing models to be tested for enhanced telehealth services under subsection (b)(2)(D), the Secretary shall design such models in a manner to permit comparisons of Medicare beneficiaries who are participating in models under subsection (b) that include access to expanded telehealth services with Medicare beneficiaries in models under subsection (b) who do not have access to such services.
								(2)Expanded telehealth services defined
 (A)In generalSubject to subparagraphs (B) and (C), in this subsection, the term expanded telehealth services means services furnished by an eligible physician or practitioner to a Medicare beneficiary as part of an episode of care for one or more of the conditions specified under paragraph (4) through one or more of the following:
 (i)Remote monitoring technologies, including remote device management for purposes of remotely interrogating or programming a medical device (such as a pacemaker or a cardiac resynchronization therapy device) outside the office of the physician specialist involved.
 (ii)Bi-directional audio/video technologies. (iii)Physiologic and behavioral monitoring technologies.
 (iv)Engagement prompt technologies. (v)Store and forward technologies.
 (vi)Point-of-care testing technologies. (vii)Such other technologies as the Secretary may specify.
									(B)Inclusion of Medicare telehealth services; non-application of certain restrictions
 (i)Inclusion of medicare telehealth servicesThe term expanded telehealth services shall include a telehealth service, as defined in section 1834(m)(4)(F), without regard to the limitations specified under section 1834(m)(4).
 (ii)Rule of constructionNothing in this section shall be construed as imposing a requirement on the furnishing of expanded telehealth services that such services be furnished in real time through interactive audio or video telecommunications systems between the eligible physician or practitioner and the Medicare beneficiary.
 (iii)No limitations on geographic areas or location of patientThe term expanded telehealth services shall include services furnished (as described in subparagraph (A)) without regard to the location of the Medicare beneficiary at the time the telehealth service is furnished and without regard to the area in which the Medicare beneficiary resides.
 (C)RequirementsThe term expanded telehealth services shall not include a service furnished (as described in subparagraph (A)) unless it can be demonstrated that the service, when furnished as an expanded telehealth service, is likely to do one or more of the following:
 (i)The service assists eligible physicians or practitioners to coordinate care for patients. (ii)The service enhances collaboration among providers of services and suppliers, including eligible physicians and practitioners, in the provision of care to patients.
 (iii)The service improves quality of care furnished to patients. (iv)The service results in reduced hospital admissions and readmissions.
 (v)The service reduces or substitutes for physician office visits. (vi)The service results in reduced utilization of skilled nursing facility services.
 (vii)The service facilitates the return of patients to the community more quickly than would otherwise occur in the absence of the service.
 (3)Additional definitionsIn this subsection: (A)Eligible physician or practitionerThe term eligible physician or practitioner means—
 (i)a physician (as defined in section 1861(r)); and (ii)a practitioner (as defined in section 1842(b)(18)(C)).
 (B)Medicare beneficiaryThe term Medicare beneficiary means an individual who is entitled to benefits under part A or enrolled under part B of title XVIII who is not enrolled in a Medicare Advantage plan under part C of such title, an eligible organization under section 1876, or a PACE program under section 1894.
 (4)ConditionsFor purposes of paragraph (2)(A), the conditions with respect to which a coverage of an expanded telehealth service is furnished under this subsection shall include the following conditions or diseases: chronic hypertension, ischemic heart diseases, chronic obstructive pulmonary disease, heart failure, heart attack, osteoarthritis, diabetes, chronic kidney disease, depression, atrial fibrillation, cancer, asthma, stroke, total hip replacement procedures, total knee replacement procedures, Parkinson’s disease, and such other conditions or diseases with respect to which the Secretary determines that expanded telehealth services would satisfy one or more of the requirements of clauses (i) through (vii) of paragraph (2)(C).
							(5)Payment
 (A)In generalSubject to subparagraph (B), with respect to expanded telehealth services furnished under a model tested under subsection (b) and expanded under subsection (c) (if applicable), the Secretary shall establish payment amounts under this subsection for such services. The Secretary may use one or more of the following payment methodologies for expanded telehealth services:
 (i)Medicare fee scheduleFee schedules established under title XVIII for telehealth services and remote monitoring services. (ii)New fee scheduleA new fee schedule that the Secretary establishes for expanded telehealth services covered by reason of this subsection.
 (iii)Payment amounts based on shared riskA payment methodology for shared savings and losses that is designed to ensure savings with respect to expanded telehealth services covered under the model.
 (B)Consideration of certain costsIn determining the amount of payment for an expanded telehealth service under the payment methodologies referred to in subparagraph (A), the Secretary shall take into account costs incurred by eligible physicians and practitioners—
 (i)for the acquisition and implementation information systems necessary to furnish such services, including costs of equipment and requisite software;
 (ii)for non-physician clinical personnel in conjunction with such service; and (iii)for physician interpretation of clinical data through the expanded telehealth service as well as for the supervision or oversight of the system for such service.
									(6)Evaluation of models
 (A)Use of independent entityIn lieu of the evaluations conducted by the Secretary under subsection (b)(4) for models tested under subsection (b), the Secretary shall provide for evaluations of enhanced telehealth service models under subsection (b)(2)(D) by an independent entity. Such evaluation shall be conducted with respect to the specific enhanced telehealth service and condition or conditions involved that are tested under such models.
 (B)Timing of evaluationAn evaluation of such enhanced telehealth service and condition or conditions involved conducted by the independent entity under this paragraph shall begin three years after the implementation of the model that provides for coverage of and payment for the expanded telehealth service with respect to such condition.
 (C)CriteriaAn evaluation of such enhanced telehealth service models conducted by the independent entity under this paragraph shall include an analysis of—
 (i)the quality of care furnished under the model, including the measurement of patient-level outcomes and patient-centeredness criteria determined appropriate by the Secretary;
 (ii)the changes in spending under parts A and B of title XVIII by reason of the model, taking into account costs and savings under such parts across the continuum of care for the episode of care and condition or conditions involved; and
 (iii)any impediments that were encountered under the model, such as— (I)explicit telehealth restrictions under Federal or State laws that are not related to health care reimbursement, such as scope of practice limitations;
 (II)licensing or credentialing barriers; and (III)limited broadband access or limited health information technology capabilities.
 (D)InformationThe provisions of subsection (b)(4)(B) shall apply to evaluations conducted under this paragraph in the same manner as such provisions apply to evaluations conducted under subsection (b)(4).
 (7)Application of expanded telehealth services to all CMI modelsThe Secretary shall expand the application of an enhanced telehealth service with respect to the condition or conditions involved to all models tested under subsection (b), and expanded under subsection (c) (if applicable), that apply with respect to services furnished under title XVIII to provide for coverage of, and payment for, such enhanced telehealth service or services with respect to such condition or conditions under all such models for years beginning after the 5-year period described in paragraph (1)(A) if—
 (A)the independent evaluation conducted under paragraph (6) with respect to such models demonstrates that such enhanced telehealth service or services with respect to the condition or conditions involved resulted in—
 (i)reduced spending under parts A and B of title XVIII without reducing the quality of care; or (ii)improved quality of patient care without increasing such spending; and
 (B)the Chief Actuary of the Centers for Medicare & Medicaid Services certifies that such expansion would reduce net program spending under parts A and B of title XVIII..
				(b)Coverage of and payment for certain enhanced telehealth services that are certified as providing
			 savings under the medicare program
 (1)CoverageSection 1834 of the Social Security Act (42 U.S.C. 1395m) is amended by adding at the end the following new subsection:

						(v)Certified enhanced telehealth services
 (1)In generalThe Secretary shall pay for certified enhanced telehealth services (as defined in paragraph (2)(A)) furnished by a physician (as defined in section 1861(r)) or a practitioner (as defined in section 1842(b)(18)(C)) to a Medicare fee-for-service beneficiary (as defined in paragraph (2)(B)) for one or more of the conditions specified under section 1115A(h)(4) in an amount determined under paragraph (3) without regard to—
 (A)the location of the Medicare fee-for-service beneficiary at the time the certified enhanced telehealth service is furnished; and
 (B)the area in which the Medicare fee-for-service beneficiary resides. (2)DefinitionsIn this subsection:
 (A)Certified enhanced telehealth serviceThe term certified enhanced telehealth service means, with respect to a condition or conditions specified under section 115A(h)(4), an enhanced telehealth service (as defined in section 1115A(h)(2)) with respect to which—
 (i)an independent evaluation conducted under section 1115A(h)(6) demonstrates that the service tested under a model under section 1115A(b)(2)(D) with respect to the condition or conditions resulted in—
 (I)reduced spending under parts A and B without reducing the quality of care; or (II)improved quality of patient care without increasing such spending; and
 (ii)the Chief Actuary of the Centers for Medicare & Medicaid Services certifies that such expansion would reduce net program spending under such parts.
 (B)Medicare fee-for-service beneficiaryThe term Medicare fee-for-service beneficiary has the meaning given such term in section 1899(h)(3). (3)Payment amountThe amount of payment for certified enhanced telehealth services shall be determined in the same manner as payments for enhanced telehealth services are determined under section 1115A(h)(5)..
 (2)PaymentSection 1833(a)(1) of the Social Security Act (42 U.S.C. 1395l(a)(1)) is amended by striking and before (BB) and inserting before the semicolon at the end the following: , and (CC) with respect to certified enhanced telehealth services (as defined in section 1834(v)(2)(A)), the amount paid shall be an amount equal to 80 percent of the lesser of the actual charge for the services or the amount determined under section 1834(v)(3).


IA
108th CONGRESS
2d Session
H. J. RES. 109
IN THE HOUSE OF REPRESENTATIVES

October 8, 2004
Mr. Jackson of Illinois (for himself, Mr. Cummings, and Mr. Conyers) introduced the following joint resolution; which was referred to the Committee on the Judiciary

JOINT RESOLUTION
Proposing an amendment to the Constitution of the United States to provide for the direct election of the President and Vice President by the popular vote of all citizens of the United States regardless of place of residence.

That the following article is proposed as an amendment to the Constitution of the United States, which shall be valid to all intents and purposes as part of the Constitution when ratified by the legislatures of three-fourths of the several States:
 —
1.The President and Vice President shall be elected jointly by the direct vote of the citizens of the United States, without regard to whether the citizens are residents of a State.
2.The persons having the greatest number of votes for President and Vice President shall be elected, so long as such persons have a majority of the votes cast.
3.Congress shall have the power to enforce this article through appropriate legislation.
4.This article shall apply with respect to any election for President and Vice President held after the expiration of the 1-year period which begins on the date of the ratification of this article. .


		II
		111th CONGRESS
		1st Session
		S. 2643
		IN THE SENATE OF THE UNITED STATES

			November 2, 2009
			Mr. Sessions introduced
			 the following bill; which was read twice and referred to the
			 Committee on
			 Finance

		A BILL
		To extend temporarily the reduction of duty on
		  polyethylene HE1878.

		1.Polyethylene HE1878
			(a)In
			 generalHeading 9902.10.34 of the Harmonized Tariff Schedule of
			 the United States (relating to polyethylene HE1878) is amended by striking
			 12/31/2009 and inserting 12/31/2011.
			(b)Effective
			 dateThe amendment made by subsection (a) applies to goods
			 entered, or withdrawn from warehouse for consumption, on or after the 15th day
			 after the date of enactment of this Act.


		II
		111th CONGRESS
		1st Session
		S. 1661
		IN THE SENATE OF THE UNITED
		  STATES

			September 10, 2009
			Mr. Kohl (for himself,
			 Mrs. McCaskill, Mrs. Gillibrand, and Mr.
			 Casey) introduced the following bill; which was read twice and
			 referred to the Committee on the
			 Judiciary

		A BILL
		To protect older Americans from misleading
		  and fraudulent marketing practices, with the goal of increasing retirement
		  security.

		1.Short titleThis Act may be cited as the
			 Senior Investment Protection Act of
			 2009 .
		2.FindingsCongress finds that—
			(1)many seniors are targeted by salespersons
			 and advisers using misleading certifications and professional
			 designations;
			(2)many certifications and professional
			 designations used by salespersons and advisers represent limited training or
			 expertise, and may in fact be of no value with respect to advising seniors on
			 financial and estate planning matters, and far too often, such designations are
			 obtained simply by attending a weekend seminar and passing an open book,
			 multiple choice test;
			(3)many seniors have lost their life savings
			 because salespersons and advisers holding a misleading designation have steered
			 them toward products that were unsuitable for them, given their retirement
			 needs and life expectancies;
			(4)seniors have a right to clearly know
			 whether they are working with a qualified adviser who understands the products
			 and is working in their best interest or a self-interested salesperson or
			 adviser advocating particular products; and
			(5)many existing State laws and enforcement
			 measures addressing the use of certifications, professional designations, and
			 suitability standards in selling financial products to seniors are inadequate
			 to protect senior investors from salespersons and advisers using such
			 designations.
			3.DefinitionsAs used in this Act—
			(1)the term misleading
			 designation—
				(A)means the use of a purported certification,
			 professional designation, or other credential, that indicates or implies that a
			 salesperson or adviser has special certification or training in advising or
			 servicing seniors; and
				(B)does not include any legitimate
			 certification, professional designation, license, or other credential,
			 if—
					(i)it has been offered by an academic
			 institution having regional accreditation; or
					(ii)it meets the standards for certifications,
			 licenses, and professional designations outlined by the North American
			 Securities Administrators Association (in this Act referred to as the
			 NASAA) Model Rule on the Use of Senior-Specific Certifications
			 and Professional Designations, or it was issued by or obtained from any
			 State;
					(2)the term financial product
			 means securities, insurance products (including insurance products which pay a
			 return, whether fixed or variable), and bank and loan products;
			(3)the term misleading or fraudulent
			 marketing means the use of a misleading designation in selling or
			 advising a senior in the sale of a financial product;
			(4)the term senior means any
			 individual who has attained the age of 62 or older; and
			(5)the term State means each of
			 the 50 States, the District of Columbia, and the unincorporated territories of
			 Puerto Rico and the U.S. Virgin Islands.
			4.Grants to States for enhanced protection of
			 seniors from being misled by false designations
			(a)Grant programThe Attorney General of the United States
			 (in this Act referred to as the Attorney General)—
				(1)shall establish a program in accordance
			 with this Act to provide grants to States—
					(A)to investigate and prosecute misleading and
			 fraudulent marketing practices; or
					(B)to develop educational materials and
			 training aimed at reducing misleading and fraudulent marketing of financial
			 products toward seniors; and
					(2)may establish such performance objectives,
			 reporting requirements, and application procedures for States and State
			 agencies receiving grants under this Act as the Attorney General determines are
			 necessary to carry out and assess the effectiveness of the program under this
			 Act.
				(b)Use of grant amountsA grant under this Act may be used
			 (including through subgrants) by the State or the appropriate State agency
			 designated by the State—
				(1)to fund additional staff to identify,
			 investigate, and prosecute (through civil, administrative, or criminal
			 enforcement actions) cases involving misleading or fraudulent marketing of
			 financial products to seniors;
				(2)to fund technology, equipment, and training
			 for regulators, prosecutors, and law enforcement in order to identify
			 salespersons and advisers who target seniors through the use of misleading
			 designations;
				(3)to fund technology, equipment, and training
			 for prosecutors to increase the successful prosecution of those targeting
			 seniors with the use of misleading designations;
				(4)to provide educational materials and
			 training to regulators on the appropriateness of the use of designations by
			 salespersons and advisers of financial products;
				(5)to provide educational materials and
			 training to seniors to increase their awareness and understanding of
			 designations;
				(6)to develop comprehensive plans to combat
			 misleading or fraudulent marketing of financial products to seniors; and
				(7)to enhance provisions of State law that
			 could offer additional protection for seniors against misleading or fraudulent
			 marketing of financial products.
				(c)Grant requirements
				(1)MaximumThe amount of a grant under this Act may
			 not exceed $500,000 per fiscal year per State, if all requirements of
			 paragraphs (2), (3), (4), and (5) are met. Such amount shall be limited to
			 $100,000 per fiscal year per State in any case in which the State meets the
			 requirements of—
					(A)paragraphs (2) and (3), but not each of
			 paragraphs (4) and (5); or
					(B)paragraphs (4) and (5), but not each of
			 paragraphs (2) and (3).
					(2)Standard designation rules for
			 securitiesA State shall have
			 adopted rules on the appropriate use of designations in the offer or sale of
			 securities or investment advice, which shallmeet or exceed the minimum
			 requirements of the NASAA Model Rule on the Use of Senior-Specific
			 Certifications and Professional Designations, as in effect on the date of
			 enactment of this Act, or any successor thereto, as determined by the Attorney
			 General.
				(3)Suitability rules for
			 securitiesA State shall have
			 adopted standard rules on the suitability requirements in the sale of
			 securities, which shall, to the extent practicable, conform to the minimum
			 requirements on suitability imposed by self-regulatory organization rules under
			 the securities laws (as defined in section 3 of the Securities Exchange Act of
			 1934), as determined by the Attorney General.
				(4)Standard designation rules for insurance
			 productsA State shall have
			 adopted standard rules on the appropriate use of designations in the sale of
			 insurance products, which shall, to the extent practicable, conform to the
			 minimum requirements of the National Association of Insurance Commissioners
			 Model Regulation on the Use of Senior-Specific Certifications and Professional
			 Designations in the Sale of Life Insurance and Annuities, as in effect on the
			 date of enactment of this Act, or any successor thereto, as determined by the
			 Attorney General.
				(5)Suitability and supervision rules for
			 annuity products
					(A)In generalA State shall have adopted rules governing
			 insurer supervision of, suitability of, and insurer and insurance producer
			 conduct relating to, the sale of annuity products, including fixed and index
			 annuities.
					(B)Annuity products criteriaThe rules required by subparagraph (A)
			 shall, to the extent practicable (as determined by the Attorney General),
			 provide—
						(i)that insurers, and insurance producers are
			 responsible for, and liable for penalties for, the suitability of each
			 recommended annuity transaction;
						(ii)that insurers and insurance producers are
			 required to apply a standard for determining the suitability of each
			 recommended annuity transaction, including fixed and index annuities, that is
			 at least as protective of the interests of the consumer as rule 2821(b) of the
			 Financial Industry Regulatory Authority (in this paragraph referred to as
			 FINRA), as in effect on the date of enactment of this Act, or
			 any successor to such rule;
						(iii)that insurers and insurance producers are
			 required to maintain a process for review of the suitability, and approval or
			 disapproval, of each recommended annuity transaction that is at least as
			 protective of the interests of the consumer as the principal review required
			 under rule 2821(c) of FINRA, as in effect on the date of enactment of this Act,
			 or any successor to such rule;
						(iv)that insurers and insurance producers are
			 required to maintain processes for the supervision of direct annuity sales and
			 insurance producer-recommended annuity sales (including procedures for the
			 insurer to obtain and confirm consumer suitability information and for the
			 insurer to confirm consumer understanding of the annuity transaction) that are
			 at least as protective of the interests of the consumer as member broker and
			 dealer supervision requirements of FINRA, as in effect on the date of enactment
			 of this Act, or any successor to such requirements;
						(v)that insurers are required to verify that
			 each insurance producer successfully completes, and each insurance producer is
			 required to receive, training designed to ensure that the insurance producer is
			 competent to recommend each class of annuity;
						(vi)that insurers are required to verify that
			 insurance producers receive, and insurance producers are required to receive,
			 training regarding the features of each offered annuity product, to an extent
			 that is at least as protective of the interests of the consumer as the FINRA
			 firm element training requirements, as in effect on the date of enactment of
			 this Act, or any successor to such requirements;
						(vii)for coordination of such rules with the
			 rules of FINRA governing member brokers, dealers, and security representatives,
			 to the extent appropriate, consistent with protecting the interests of
			 consumers, for State insurance regulators to rely on, or to avoid duplication
			 of FINRA rules; and
						(viii)for exemption from such rules only if such
			 exemption is consistent with the protection of consumers.
						5.ApplicationsTo be eligible for a grant under this Act,
			 the State or appropriate State agency shall submit to the Attorney General a
			 proposal to use the grant money to protect seniors from misleading or
			 fraudulent marketing techniques in the offer and sale of financial products,
			 which application shall—
			(1)identify the scope of the problem;
			(2)describe how the proposed program will help
			 to protect seniors from misleading or fraudulent marketing in the sale of
			 financial products, including, at a minimum—
				(A)by proactively identifying senior victims
			 of misleading and fraudulent marketing in the offer and sale of financial
			 products;
				(B)how the proposed program can assist in the
			 investigation and prosecution of those using misleading or fraudulent marketing
			 in the offer and sale of financial products to seniors; and
				(C)how the proposed program can help
			 discourage and reduce future cases of misleading or fraudulent marketing in the
			 offer and sale of financial products to seniors; and
				(3)describe how the proposed program is to be
			 integrated with other existing State efforts.
			6.Length of participationA State receiving a grant under this Act
			 shall be provided assistance funds for a period of 3 years, after which the
			 State may reapply for additional funding.
		7.Authorization of
			 appropriationsThere are
			 authorized to be appropriated to carry out this Act, $8,000,000 for each of the
			 fiscal years 2010 through 2014.