In this task, you are given text for US Congressional and California state bills, your task is to generate a summary for this bill.

Ex Input:
SECTION 1. SHORT TITLE AND TABLE OF CONTENTS.

(a) Short Title.--This Act may be cited as the ''California Forest
Ecosystems Health Act''.
(b) Table of Contents.--The table of contents for this Act is as
follows:

Sec. 1. Short title and table of contents.
Sec. 2. Findings.
Sec. 3. Definitions.
Sec. 4. Ecosystem management plans for National Forest System lands in
California.
Sec. 5. Process for full implementation of ecosystem management plans.
Sec. 6. Research and monitoring program.
Sec. 7. Miscellaneous requirements.

SEC. 2. FINDINGS.

The Congress finds the following:
(1) Although people have had an active part in the
development and maintenance of forest structure and the
condition of the National Forest System lands in the State of
California for many years, recent forest management policies
have often resulted in a degeneration of the forest structure
and a loss of forest health and vigor.
(2) The Forest Service, through the judicious use of
ecosystem management, has an opportunity to reverse these
forest management policies and restore the health and vigor of
National Forest System lands in California.
(3) Ecosystems are dynamic and in a state of constant
change, and it is not possible to preserve a given ecosystem
condition in a static state over a period of time.
(4) The many and varied resources and uses of National
Forest System lands provide both tangible and intangible
benefits to the people of the United States.
(5) Although management of National Forest System lands in
California has traditionally placed first priority on the need
to produce maximum volumes of timber, the other multiple forest
resources and services are equally important to the people of
California and the United States.
(6) Ecosystem management must balance the needs of outdoor
recreation, range, timber, watershed, fish, and wildlife, as
required by the Multiple-Use Sustained-Yield Act of 1960 (16
U.S.C. 528 et seq.), as well as protect soil and air quality
and provide for forest research.
(7) National Forest System lands in California include some
of the most unique forest ecosystems in the world, including
giant sequoias, coastal redwoods, and bristlecone pines.
(8) Destructive forest fires classified by the Forest
Service as ''intense'' have occurred in unprecedented numbers
and size on the National Forest System lands in California in
recent years, and these fires pose a threat to the very health
of the forests and present a danger to human life and property.
(9) The Forest Service, through the judicious use of
ecosystem management, has an opportunity to reduce the
likelihood that fires classified as ''intense'' will occur with
such frequency and, at the same time, to improve forest vigor
and visitor safety.
(10) Ecosystem management that considers the needs of all
species and their ability to interact with the presence of
humans can integrate both the conservation needs of the many
species of the ecosystems and the multiple use activities of
humans.
(11) Identification of sound management options is both a
biological issue and a social issue, and the resulting
management policies must be socially acceptable, ecologically
sustainable, scientifically sound, legally responsible, and
economically viable.
(12) The results of management practices in local
ecosystems can have a profound effect on the levels of demand
for commodity outputs from other ecosystems around the world.

SEC. 3. DEFINITIONS.

For purposes of this Act:
(1) Adaptive management.--The term ''adaptive management''
means the experimental and monitored application of
scientifically derived management decisions to gain knowledge
that is then used to improve subsequent management decisions.
(2) Ecosystem.--The term ''ecosystem'' means a community of
organisms and its environment that functions as a unit.
(3) Ecosystem management.--The term ''ecosystem
management'' means the integration of ecological, economic, and
social factors to meet the biological needs of all associated
organisms and human needs through diverse, healthy, and
productive ecosystems, addressing resource supply,
conservation, and demand as opposed to a strategy for managing
individual species.
(4) Ecosystem management plans.--The terms ''ecosystem
management plans'' and ''plans'' mean the ecosystem management
plans for National Forest System lands in the State of
California required to be developed by section 4(a).
(5) National forest system.--The term ''National Forest
System'' has the meaning given that term in section 11(a) of
the Forest and Rangeland Renewable Resources Planning Act of
1974 (16 U.S.C. 1609(a)).
(6) Seral stages.--The term ''seral stages'' means the
various age or life stages of a vegetative community as it
progresses from initial establishment toward a climax stage or
equilibrium.
(7) Secretary.--The term ''Secretary'' means the Secretary
of Agriculture.
(8) Stand.--The term ''stand'' means an area within a
forest where the trees have similar characteristics with
respect to species composition, size, condition, and age.
(9) Vigor.--The term ''vigor'', with respect to forest
ecosystems, means the relative health of stands of trees and
related vegetation, including their actual growth rates as
compared with potential growth rates and their ability to
protect themselves naturally from forest pests, diseases, and
the effects of natural disaster.

SEC. 4. ECOSYSTEM MANAGEMENT PLANS FOR NATIONAL FOREST SYSTEM LANDS IN
CALIFORNIA.

(a) Plans Required.--Notwithstanding the planning provisions of
section 6 of the Forest and Rangeland Renewable Resources Planning Act
of 1974 (16 U.S.C. 1604), the Secretary of Agriculture shall develop
and implement ecosystem management plans pursuant to this Act to
develop and demonstrate ecosystem management, including adaptive
management techniques, for National Forest System lands described in
subsection (b).
(b) Federal Lands Covered by Plans.--The ecosystem management plans
required by subsection (a) shall apply to all management units of the
National Forest System located in the State of California. In the case
of National Forest System lands in California that have been designated
by law for special management before the date of the enactment of this
Act, the Secretary shall incorporate into the ecosystem management
plans applicable to those lands any statutory provisions that are in
effect on such date and applicable to those lands.
(c) Principles of Plans.--Ecosystem management plans shall embody
the following principles:
(1) Application of management techniques that will enhance
the health and vigor of the renewable natural resources on the
National Forest System lands covered by the plans and provide
for the continued protection of the soil, air, and water
resources of these lands.
(2) Improvement of the forest ecosystems on these lands
toward desired forest conditions that--
(A) provide a mosaic of forest seral stages--
(i) representing a range of wildlife
habitats necessary to meet the needs of the
species indigenous to the ecosystem being
managed; and
(ii) designed in such a way as to obviate
the need for corridors or special management
areas to meet the needs of given species or
situations;
(B) minimize the danger of stand-destroying
uncontrolled wildfire;
(C) increase or maintain the health and vigor of
stands at a level that will permit the stands to resist
naturally, to the greatest degree practicable, insect
and disease attacks and the effects of other natural
disasters while incorporating the concern that some
level of dead-wood, both standing and down, is
desirable in healthy ecosystems;
(D) maintain the sustainable economic well-being
and stability of communities in areas dependent upon
national forest resources; and
(E) are developed, to the extent possible, with
consideration of the conditions that are known to have
existed on these lands or on similar lands before the
impacts of European settlement.
(3) Concentration of management activities on the condition
of the renewable resources of an ecosystem rather than on
producing targeted outputs, with projected outputs based upon
attainment of specific stand conditions.
(4) Emphasis on tangible management results rather than on
procedural standards and guidelines, but with development of
scientifically credible monitoring standards and guidelines to
assess both short- and long-term management results.
(5) Except for any statutory provisions incorporated under
subsection (b) with respect to specific lands, prohibition on
requiring the allocation or categorization of tracts of land
for specific preselected ecosystem management emphases.
(6) Consideration of the habitat needs of all species
across a broad landscape using management indicator species
whose presence will reflect a suitable amount and distribution
of particular habitat elements, rather than concentrating on
the needs of single species in a limited area.
(7) Application across the entire unreserved land base in
such a manner as to harmonize the various multiple uses.
(8) Incorporation of maximum flexibility in resource
decisionmaking through the use of adaptive management.
(d) Management to Promote Desired Forest Conditions.--
(1) In general.--Ecosystem management under the ecosystem
management plans shall be planned and practiced in a manner
that--
(A) considers the entire landscape in a management
unit of the National Forest System covered by a plan;
and
(B) benefits, to the extent practicable, all
renewable resources and the human resource in or
dependent upon the management unit.
(2) Individual projects.--Individual management projects in
a management unit of the National Forest System covered by the
ecosystem management plans shall be designed to provide
multiresource benefits, promote the desired forest conditions
described in subsection (c)(2), and achieve maximum project
operating efficiency.
(e) Selection of Acres for Ecosystem Management Activities.--
(1) Minimum acres.--Ecosystem management plans shall
specify the minimum number of acres on which ecosystem
management activities will be applied annually in any
management unit of the National Forest System covered by the
plans. Such acreage shall be determined on the basis of the
total number of acres in the management unit, the work to be
performed across the unit as a whole during the plan period,
and the pro rata annual acreage on which ecosystem management
activities must be applied in order to establish and maintain
the desired forest condition during the specified plan period.
(2) Effect of natural disasters.--In case of natural
disasters, such as wildfire, flood, windthrow, insect or
disease attack, a revision of the schedule of acres to be
treated may be granted by the Secretary in order to conduct
restoration and rehabilitation activities on the acres affected
by the natural disaster.
(f) Participation in Development.--To ensure that the ecosystem
management plans are economically, scientifically, and socially
acceptable, the Secretary shall develop the plans through the use of
public involvement programs that emphasize input from residents of
local communities to be affected by the plans. The Secretary shall
continue to consult with all interested persons in evaluating or
modifying the plans.

SEC. 5. PROCESS FOR FULL IMPLEMENTATION OF ECOSYSTEM MANAGEMENT PLANS.

(a) Implementation.--Beginning not later than January 1, 1995, the
Secretary shall begin to implement the ecosystem management plans. The
Secretary shall develop and implement the plans progressively over a
five-year period to ensure full application of all plans not later than
January 1, 2000, to all National Forest System lands described in
section 4(b). Upon implementation of an ecosystem management plan for
any portion of the lands described in such section, the plan shall
replace and supersede any land and resource management plan (or portion
of such a plan) then in effect for such lands.
(b) Yearly Expansion.--During each year of the period specified in
subsection (a), the Secretary shall expand application of the ecosystem
management plans to contiguous areas required to be covered by such
plans, as described in section 4(b). To the extent the Secretary
considers it to be necessary, the Secretary may modify the ecosystem
management plans for each new addition in order to incorporate the
lessons gained from experience. Adaptive management shall be used to
evaluate management decisions and to develop new information to be used
to keep the plans and subsequent management decisions up-to-date.
(c) Modification of Ecosystem Management Plans.--The Secretary
shall modify the ecosystem management plans to incorporate findings
from research, adaptive management projects, or monitoring to the
extent such findings indicate changes in the plans are necessary or
appropriate to achieve the principles described in section 4(c). Before
the end of the first two years of the period specified in subsection
(a), the Secretary shall issue regulations that set forth the process
to be used for any modification of the ecosystem management plans.
(d) Consistency.--Resource plans and permits and other instruments
for the use and occupancy of National Forest System lands covered by an
ecosystem management plan that are executed subsequent to the
implementation date of the plan with respect to such lands shall be
consistent with the plan. If the ecosystem management plan is modified,
resource plans and permits and other instruments that are executed
subsequent to the date of the modification shall be consistent with the
modified plan. Appropriate supplemental documents under the National
Environmental Policy Act of 1969 (42 U.S.C. 4321 et seq.) shall be
prepared for those resource plans and permits, contracts, and other
instruments in existence upon adoption of the ecosystem management plan
or any modification of the plan. Any revisions in existing resource
plans and permits, contracts, and other instruments shall be consistent
with the supplemental document findings and subject to the agreement of
all contractual parties. Any revision in present or future permits,
contracts, and other instruments made pursuant to this subsection shall
be subject to valid existing rights.

SEC. 6. RESEARCH AND MONITORING PROGRAM.

The Secretary shall describe in detail in the ecosystem management
plans and implement as part of the plans a targeted program of research
and monitoring aimed at measuring the effects of the management regimes
adopted under the plans. The Secretary shall ensure that monitoring is
sufficient to measure the responses of the various resources to
management practices and to provide a basis for adjustments of
subsequent management decisions.

SEC. 7. MISCELLANEOUS REQUIREMENTS.

(a) Increased Use of Certified Professional Practitioners.--With
respect to National Forest System lands covered by the ecosystem
management plans, the Secretary shall endeavor to increase the amount
of field work to be done by professional practitioners certified by the
Forest Service.
(b) Accountability Procedures.--The Secretary shall develop
accountability procedures to annually measure and inform the Congress
concerning the work (as described in section 4(e)) achieved through the
use of funds appropriated each year for National Forest System lands
covered by the ecosystem management plans. The selection of acres upon
which such work will be performed shall be controlled through the
planning process. The accountability procedures required by this
subsection shall be established and in operation before the end of the
first two years of the period specified in section 5(a) and shall be
designed to ensure the accomplishment of the work in accordance with
plan direction.
(c) Budgetary Considerations.--The Secretary shall develop budgets
for each management unit of the National Forest System covered by
ecosystem management plans on the basis of estimated benefits to the
various resources affected by the ecosystem management activities, and
such budgets will be justified on such basis. The Secretary shall
provide the managers of these units the flexibility to accomplish over-
all objectives within over-all budgets in lieu of requiring and
preparing detailed line-item budgets for each unit of work, except that
accountability procedures developed under subsection (b) shall include
requirements for detailed explanations of expenditures and estimates of
benefits for each resource.

Ex Output:
California Forest Ecosystems Health Act - Directs the Secretary of Agriculture to develop and implement ecosystem management plans for National Forest System lands in California.

Ex Input:
SECTION 1. SHORT TITLE.

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

SEC. 2. COMMUNITY SUPPORT OBLIGATIONS OF MORTGAGE BANKS.

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

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

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

SEC. 4. MORTGAGE BANK COMMUNITY SUPPORT STATEMENTS.

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

SEC. 5. MORTGAGE BANK COMMUNITY SUPPORT EVALUATION.

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

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

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

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

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

Ex Output:
Mortgage Fairness Act - Requires each mortgage bank to meet the credit needs of all communities in which it makes a significant number of extensions of credit or extends a significant amount of credit, including extensions of credit in low- and moderate-income communities.
(Sec. 3) Directs the Secretary of Housing and Urban Development (HUD) to establish within HUD the Office of Mortgage Bank and Insurance Supervision.
(Sec. 4) Directs the Office, on a biennial basis, to require each mortgage bank to submit to it a community support statement detailing the bank's efforts at meeting the housing credit needs of the above- referenced communities.
(Sec. 5) Directs the Office to determine whether a mortgage bank is maintaining an adequate community support performance based on specified criteria.
(Sec. 6) Sets forth certain penalties against a mortgage bank that has been found to be maintaining an inadequate level of community support.
(Sec. 7) Requires each mortgage insurance company to: (1) report to the Office the total number and total dollar amount of each mortgage insurance policy written by it, by census tract, the race, gender, and income of applicants for mortgage insurance, and the disposition of each application for such insurance; (2) demonstrate to the Secretary adequate support for community credit needs; and (3) make public to any person the underwriting criteria for any mortgage insurance the company offers.
Requires the Office to conduct biennial community support reviews of mortgage insurance companies. Authorizes the Secretary to require a mortgage insurance company to submit a statement indicating how it expects to improve its record of providing community support whenever the Secretary concludes that such company is not meeting the requirements of this section.

Ex Input:
SECTION 1. SHORT TITLE.

This Act may be cited as the ''Fair Treatment of Airline Passengers
Act''.

SEC. 2. FINDINGS.

The Congress finds the following:
(1) United States airline traffic is increasing. The number
of domestic passengers carried by United States air carriers
has nearly tripled since 1978, to over 660 million annually.
The number is expected to grow to more than 1 billion by 2010.
The number of domestic flights has been steadily increasing as
well.
(2) The Inspector General of the Department of
Transporation has found that with this growth in traffic have
come increases in delays, cancellations, and customer
dissatisfaction with air carrier service.
(A) The Federal Aviation Administration has
reported that, between 1995 and 2000, delays increased
90 percent and cancellations increased 104 percent. In
2000, over 1 in 4 flights were delayed, canceled, or
diverted, affecting approximately 163 million
passengers.
(B) At the 30 largest United States airports, the
number of flights with taxi-out times of 1 hour or more
increased 165 percent between 1995 and 2000. The number
of flights with taxi-out times of 4 hours or more
increased 341 percent during the same period.
(C) Certain flights, particularly those scheduled
during peak periods at the nation's busiest airports,
are subject to chronic delays. In December, 2000, 626
regularly-scheduled flights arrived late 70 percent of
the time or more, as reported by the Department of
Transportation.
(D) Consumer complaints filed with the Department
of Transportation about airline travel have nearly
quadrupled since 1995. The Department of Transportation
Inspector General has estimated that air carriers
receive between 100 and 400 complaints for every
complaint filed with the Department of Transportation.
(3) At the same time as the number of complaints about
airline travel has increased, the resources devoted to
Department of Transportation handling of such complaints have
declined sharply. The Department of Transportation Inspector
General has reported that the staffing of the Department of
Transportation office responsible for handling airline customer
service complaints declined from 40 in 1985 to just 17 in 2000.
(4) In June, 1999, the Air Transport Association and its
member airlines agreed to an Airline Customer Service
Commitment designed to address mounting consumer
dissatisfaction and improve customer service in the industry.
(5) The Department of Transportation Inspector General has
reviewed the airlines' implementation of the Airline Customer
Service Commitment. The Inspector General found that:
(A) The Airline Customer Service Commitment has
prompted air carriers to address consumer concerns in
many areas, resulting in positive changes in how air
travelers are treated.
(B) Despite this progress, there continue to be
significant shortfalls in reliable and timely
communication with passengers about flight delays and
cancellations. Reports to passengers about flight
status are frequently untimely, incomplete, or
unreliable.
(C) Air carriers need to do more, in the areas
under their control, to reduce over-scheduling, the
number of chronically-late or canceled flights, and the
amount of checked baggage that does not show up with
the passenger upon arrival.
(D) A number of further steps could be taken to
improve the effectiveness and enforceability of the
Airline Customer Service Commitment and to improve the
consumer protections available to commercial air
passengers.

SEC. 3. FAIR TREATMENT OF AIRLINE PASSENGERS.

(a) In General.--Subchapter I of chapter 417 of title 49, United
States Code, is amended by adding at the end the following:
''Sec. 41722. Airline passengers' right to know
''(a) Disclosure of On-Time Performance.--Whenever any person
contacts an air carrier to make a reservation or to purchase a ticket
on a consistently-delayed or canceled flight, the air carrier shall
disclose (without being requested), at the time the reservation or
purchase is requested, the on-time performance and cancellation rate
for that flight for the most recent month for which data is available.
For purposes of this paragraph, the term 'consistently-delayed or
canceled flight' means a regularly-scheduled flight--
''(1) that has failed to arrive on-time (as defined in
section 234.2 of title 14, Code of Federal Regulations) at
least 40 percent of the time during the most recent 3-month
period for which data are available; or
''(2) at least 20 percent of the departures of which have
been canceled during the most recent 3-month period for which
data are available.
''(b) On-Time Performance Posted on Website.--An air carrier that
has a website on the Internet shall include in the information posted
about each flight operated by that air carrier the flight's on-time
performance (as defined in section 234.2 of title 14, Code of Federal
Regulations) for the most recent month for which data is available.
''(c) Passenger Information Concerning Delays, Cancellations, and
Diversions.--
''(1) In general--Whenever a flight is delayed, canceled,
or diverted, the air carrier operating that flight shall
provide to customers at the airport and on board the aircraft,
in a timely, reasonable, and truthful manner, the best
available information regarding such delay, cancellation, or
diversion, including--
''(A) the cause of the delay, cancellation, or
diversion; and
''(B) in the case of a delayed flight, the
carrier's best estimate of the departure time.
''(2) Public information.--An air carrier that provides a
telephone number or website for the public to obtain flight
status information shall ensure that the information provided
via such telephone number or website will reflect the best and
most current information available concerning delays,
cancellations, and diversions.
''(d) Pre-Departure Notification System.--Within 6 months after the
date of enactment of the Fair Treatment of Airline Passengers Act, each
air carrier that is a reporting carrier (as defined in section 234.2 of
title 14, Code of Federal Regulations) shall establish a reasonable
system (taking into account the size, financial condition, and cost
structure of the air carrier) for notifying passengers before their
arrival at the airport when the air carrier knows sufficiently in
advance of the check-in time for their flight that the flight will be
canceled or delayed by an hour or more.
''(e) Coordination of Monitors; Current Information.--At any
airport at which the status of flights to or from that airport is
displayed to the public on flight status monitors operated by the
airport, each air carrier the flights of which are displayed on the
monitors shall work closely with the airport to ensure that flight
information shown on the monitors reflects the best and most current
information available.
''(f) Frequent Flyer Program Information.--Within 6 months after
the date of enactment of the Fair Treatment of Airline Passengers Act,
each air carrier that maintains a frequent flyer program shall increase
the comprehensiveness and accessibility to the public of its reporting
of frequent flyer award redemption information. The information
reported shall include--
''(1) the percentage of successful redemptions of requested
frequent flyer awards for free tickets or class-of-service
upgrades for the air carrier;
''(2) the percentage of successful redemptions of requested
frequent flyer awards for free tickets or class-of-service
upgrades for each flight in the air carrier's top 100
origination and destination markets; and
''(3) the percentage of seats available for frequent flyer
awards on each flight in its top 100 origination and
destination markets.
''(g) Overbooking.--
''(1) Oversold flight disclosure.--An air carrier shall
inform a ticketed passenger, upon request, whether the flight
on which the passenger is ticketed is oversold.
''(2) Bumping compensation information.--An air carrier
shall inform passengers on a flight what the air carrier will
pay passengers involuntarily denied boarding before making
offers to passengers to induce them voluntarily to relinquish
seats.
''(3) Disclosure of bumping policy.--An air carrier shall
disclose, both on its Internet website, if any, and on its
ticket jackets, its criteria for determining which passengers
will be involuntarily denied boarding on an oversold flight and
its procedures for offering compensation to passengers
voluntarily or involuntarily denied boarding on an oversold
flight.
''(h) Mishandled Baggage Reporting.--Within 6 months after the date
of enactment of the Fair Treatment of Airline Passengers Act, each air
carrier shall revise its reporting for mishandled baggage to show--
''(1) the percentage of checked baggage that is mishandled
during a reporting period;
''(2) the number of mishandled bags during a reporting
period; and
''(3) the average length of time between the receipt of a
passenger's claim for missing baggage and the delivery of the
bag to the passenger.
''(i) Small Air Carrier Exception.--This section does not apply to
an air carrier that operates no civil aircraft designed to have a
maximum passenger seating capacity of more than 30 passengers.
''Sec. 41723. Enforcement and enhancement of airline passenger service
commitments
''(a) Adoption of Customer Service Plan.--Within 6 months after the
date of enactment of the Fair Treatment of Airline Passengers Act, an
air carrier certificated under section 41102 that has not already done
so shall--
''(1) develop and adopt a customer service plan designed to
implement the provisions of the Airline Customer Service
Commitment executed by the Air Transport Association and 14 of
its member airlines on June 17, 1999;
''(2) incorporate its customer service plan in its contract
of carriage;
''(3) incorporate the provisions of that Commitment if, and
to the extent that those provisions are more specific than, or
relate to issues not covered by, its customer service plan;
''(4) submit a copy of its customer service plan to the
Secretary of Transportation;
''(5) post a copy of its contract of carriage on its
Internet website, if any; and
''(6) notify all ticketed customers, either at the time a
ticket is purchased or on a printed itinerary provided to the
customer, that the contract of carriage is available upon
request or on the air carrier's website.
''(b) Modifications.--Any modification in any air carrier's
customer service plan shall be promptly incorporated in its contract of
carriage, submitted to the Secretary, and posted on its website.
''(c) Quality Assurance and Performance Measurement System.--
''(1) Air carriers.--Within 6 months after the date of
enactment of the Fair Treatment of Airline Passengers Act, an
air carrier certificated under section 41102, after
consultation with the Inspector General of the Department of
Transportation, shall--
''(A) establish a quality assurance and performance
measurement system for customer service; and
''(B) establish an internal audit process to
measure compliance with its customer service plan.
''(2) DOT approval required.--Each air carrier shall submit
the measurement system established under paragraph (1)(A) and
the audit process established under paragraph (1)(B) to the
Secretary of Transportation for review and approval.
''(d) Customer Service Plan Enhancements.--Within 6 months after
the date of enactment of the Fair Treatment of Airline Passengers Act,
an air carrier certificated under section 41102 shall--
''(1) amend its customer service plan to specify that it
will offer to a customer purchasing a ticket at any of the air
carrier's ticket offices or airport ticket service counters the
lowest fare available for which that customer is eligible; and
''(2) establish performance goals designed to minimize
incidents of mishandled baggage.
''(e) Small Air Carrier Exception.--This section does not apply to
an air carrier that operates no civil aircraft designed to have a
maximum passenger seating capacity of more than 30 passengers.''.
(b) Civil Penalty.--Section 46301(a)(7) is amended by striking
''40127 or 41712'' and inserting ''40127, 41712, 41722, or 41723''.
(c) Conforming Amendment.--The chapter analysis for chapter 417 of
title 49, United States Code, is amended by inserting after the item
relating to section 41721 the following:

''41722. Airline passengers' right to know.
''41723. Enforcement and enhancement of airline passenger service
commitments.''.

SEC. 4. REQUIRED ACTION BY SECRETARY OF TRANSPORTATION.

(a) Uniform Minimum Check-In Time; Baggage Statistics; Bumping
Compensation.--Within 6 months after the date of enactment of this Act,
the Secretary of Transportation shall--
(1) establish a uniform check-in deadline and require air
carriers to disclose, both in their contracts of carriage and
on ticket jackets, their policies on how those deadlines apply
to passengers making connections;
(2) revise the Department of Transportation's method for
calculating and reporting the rate of mishandled baggage for
air carriers to reflect the reporting requirements of section
41722(h) of title 49, United States Code; and
(3) revise the Department of Transportation's Regulation
(14 C.F.R. 250.5) governing the amount of denied boarding
compensation for passengers denied boarding involuntarily to
increase the maximum amount thereof.
(b) Review of Regulations.--
(1) In general.--Within 1 year after the date of enactment
of this Act, the Secretary shall complete a thorough review of
the Department of Transportation's regulations that relate to
air carriers' treatment of customers, and make such
modifications as may be necessary or appropriate to ensure the
enforceability of those regulations and the provisions of this
Act and of title 49, United States Code, that relate to such
treatment, or otherwise to promote the purposes of this Act.
(2) Specific areas of review.--As part of such review and
modification, the Secretary shall, to the extent necessary or
appropriate--
(A) modify existing regulations to reflect this Act
and sections 41722 and 41723 of title 49, United States
Code;
(B) modify existing regulations to the extent
necessary to ensure that they are sufficiently clear
and specific to be enforceable;
(C) establish minimum standards, compliance with
which can be measured quantitatively, of air carrier
performance with respect to customer service issues
addressed by the Department of Transportation
regulations or the Airline Customer Service Commitment
executed by the Air Transport Association and 14 of its
member airlines on June 17, 1999;
(D) address the manner in which the Department of
Transportation regulations should treat customer
service commitments that relate to actions occurring
prior to the purchase of a ticket, such as the
commitment to offer the lowest available fare, and
whether such the inclusion of such commitments in the
contract of carriage creates an enforceable obligation
prior to the purchase of a ticket;
(E) restrict the ability of air carriers to include
provisions in the contract of carriage restricting a
passenger's choice of forum in the event of a legal
dispute; and
(F) require each air carrier to report information
to Department of Transportation on complaints submitted
to the air carrier, and modify the reporting of
complaints in the Department of Transportation's
monthly customer service reports, so those reports will
reflect complaints submitted to air carriers as well as
complaints submitted to the Department.
(3) Expedited procedure.--Within 1 year after the date of
enactment of this Act, the Secretary shall complete all actions
necessary to establish regulations to implement the
requirements of this subsection.

SEC. 5. IMPROVED ENFORCEMENT OF AIR PASSENGER RIGHTS.

(a) Use of Authorized Funds.--In utilizing the funds authorized by
section 223 of the Wendell H. Ford Aviation Investment and Reform Act
for the 21st Century for the purpose of enforcing the rights of air
travelers, the Secretary of Transportation shall give priority to the
areas identified by the Inspector General of the Department of
Transportation as needing improvement in Report No. AV-2001-020,
submitted to the Congress on February 12, 2001.
(b) Secretary Required To Consult the Secretary's Inspector
General.--The Secretary of Transportation, in carrying out this Act and
the provisions of section 41722 and 41723 of title 49, United States
Code, shall consult with the Inspector General of the Department of
Transportation.

Ex Output:
Fair Treatment of Airline Passengers Act - Requires an air carrier to: (1) disclose (without being requested), at the time a person contacts such air carrier to make a reservation or to purchase a ticket on a consistently-delayed or canceled flight reservation, the on-time performance and cancellation rate for such flight for the most recent month for which data is available; (2) post on its Internet website the on-time performance record of its flights for the most recent month for which data is available; (3) provide to its customers at the airport and on board its aircraft (including by telephone number or website if it has one), in a timely, reasonable, and truthful manner, the best available information regarding the delay, cancellation, or diversion of its aircraft; (4) establish, if it is a reporting carrier, a reasonable system for notifying air passengers before their arrival at the airport when such carrier knows sufficiently in advance of check-in time that their flight will be canceled or delayed by an hour or more; (5) increase the comprehensiveness and accessibility to the public of its reporting of frequent flyer award redemption information; (6) inform ticketed air passengers, upon request, whether their flight is oversold; (7) inform air passengers what such carrier will pay passengers involuntarily denied boarding (bumping) before making them offers to voluntarily relinquish their seats (including informing the public about their bumping policy); (8) revise its reporting for mishandled air passenger baggage (establishing performance goals to minimize incidents of mishandled baggage); (9) develop and adopt a customer service plan designed to implement the provisions of the Airline Customer Service Commitment executed by the Air Transport Association on June 17, 1999; (10) establish a quality assurance and performance measurement system for customer service; and (11) amend its customer service plan to state that it will offer to its customers the lowest fare available.Requires the Secretary of Transportation to take specified related actions with respect to uniform check-in time, mishandled baggage statistics, airline bumping compensation, and regulations as they relate to air carrier's treatment of customers.