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.

This Act may be cited as the ''Rural Access to Credit Act of
2010''.

SEC. 2. BUSINESS AND INDUSTRY DIRECT AND GUARANTEED LOANS.

(a) Tangible Equity Requirements.--Section 310B(d) of the
Consolidated Farm and Rural Development Act (7 U.S.C. 1932(d)) is
amended by striking paragraph (6) and inserting the following:
''(6) Equity.--In the case of direct or guaranteed loans
under this section, the Secretary shall use commercial lending
standards in determining any equity requirement.''.
(b) General Terms.--Section 310B(g) of the Consolidated Farm and
Rural Development Act (7 U.S.C. 1932(g)) is amended by adding at the
end the following:
''(10) General terms.--
''(A) Maximum loan guarantee amount.--
''(i) In general.--Notwithstanding any
other provision of this Act, during the period
beginning on the date of enactment of this
paragraph and ending on December 31, 2011, the
Secretary shall guarantee up to 90 percent of a
business and industry loan in an amount of up
to $10,000,000 that is a high priority project,
as determined based on published criteria of
the Secretary that includes rural economic
factors.
''(ii) Subsequent fiscal years.--
Notwithstanding any other provision of this
Act, beginning on January 1, 2012, the
Secretary may guarantee up to 80 or 90 percent
(as determined by the Secretary) of a business
and industry loan in an amount of up to
$10,000,000 that is a high priority project, as
determined based on criteria described in
clause (i).
''(B) Line-of-credit loans.--In guaranteeing
business and industry loans, the Secretary shall
guarantee line-of-credit loans in accordance with
section 316(c).
''(C) Refinancing.--
''(i) In general.--A business and industry
loan may be used by a small business to
refinance debt in existence as of the day
before the date on which the loan was made or
guaranteed, if--
''(I) the project for which the
debt was incurred is viable and will
create or save jobs, as determined by
the Secretary; and
''(II) as of the date of
application for refinancing--
''(aa) the underlying loan
has been current for at least 1
year; and
''(bb) the lender is
providing better rates and
longer terms than under the
original loan.
''(ii) Subordinated owner debt.--
Subordinated owner debt shall not be eligible
for inclusion in debt described in clause (i).
''(D) Audit standards.--Notwithstanding any other
provision of law, the Secretary--
''(i) shall not require audited financial
statements consistent with generally accepted
accounting principles for business and industry
loans of less than $1,000,000; and
''(ii) may waive any requirement for
audited financial statements consistent with
generally accepted accounting principles for
business and industry loans of at least
$1,000,000.
''(E) Calculation of delinquency rates.--To allow
accurate comparison of delinquency rates among Federal
agencies, in calculating the delinquency rate for
business and industry loans, the Secretary shall use
the calculation method used by the Administrator of the
Small Business Administration.''.
(c) Sense of Congress Relating to the Rural Microentrepreneur
Assistance Program.--It is the sense of Congress that in allocating
discretionary funds of the Secretary of Agriculture, the Secretary of
Agriculture should give priority to the rural microentrepreneur
assistance program established under section 379E of the Consolidated
Farm and Rural Development Act (7 U.S.C. 2008s).
(d) Budgetary Effects.--The budgetary effects of this Act, for the
purpose of complying with the Statutory Pay-As-You-Go-Act of 2010,
shall be determined by reference to the latest statement titled
''Budgetary Effects of PAYGO Legislation'' for this Act, submitted for
printing in the Congressional Record by the Chairman of the Senate
Budget Committee, provided that such statement has been submitted prior
to the vote on passage.

Ex Output:
Rural Access to Credit Act of 2010 - Amends the Consolidated Farm and Rural Development Act to direct the Secretary of Agriculture (USDA) to use commercial lending standards in determining equity requirements for rural entity direct or guaranteed loans.

Directs the Secretary, through December 31, 2011, to guarantee up to 90% of high priority business and industry loans up to $10 million. Authorizes the Secretary, beginning on January 1, 2012, to guarantee up to 80% or 90% of high priority business and industry loans up to $10 million. Directs the Secretary to guarantee related line-of-credit loans.

Authorizes business and industry loans to be used for refinancing.

Waives audit requirements for business and industry loans under $1 million. Authorizes audit waiver for loans of at least $1 million.

Directs the Secretary to use the Small Business Administration (SBA) calculation method in calculating the delinquency rate for business and industry loans.

Expresses the sense of Congress that in allocating discretionary funds the Secretary should give priority to the rural microentrepreneur assistance program.

Ex Input:
SECTION 1. SHORT TITLE.

This Act may be cited as the ''Keeping Families Home Act of 2014''.

SEC. 2. DEED-FOR-LEASE PROGRAM.

(a) Establishment.--
(1) In general.--Each servicer shall establish a deed-for-
lease program (hereinafter referred to as the ''Program''),
which shall permit an eligible mortgagor to--
(A) enter into a deed in lieu of foreclosure
agreement;
(B) continue to occupy and lease the property that
is the subject of such agreement for a 1-year period
that begins on the date of such agreement; and
(C) have a right of first refusal to purchase such
property after the end of the 1-year lease period, if
the owner of the property intends to sell the property
at that time.
(2) Exception for small servicers.--The Program requirement
under paragraph (1) shall not apply to a small servicer, as
such term is defined by the Secretary of Housing and Urban
Development.
(b) Notice Requirement.--Servicers shall provide each eligible
mortgagor with information about the Program and how to apply to
participate in the Program.
(c) Lease Terms.--A lease entered into by an eligible mortgagor
under the Program shall--
(1) carry a monthly rent amount equal to the fair market
rent for such property, as determined by an independent private
appraiser hired by and paid by the servicer; and
(2) contain all typical lease provisions for similar rental
property.
(d) Application Process.--
(1) In general.--An eligible mortgagor may apply for the
Program at any time.
(2) Effect of foreclosure sale.--If there is a foreclosure
sale pending with respect to the property--
(A) the eligible mortgagor may only apply for the
Program before the date that is 7 days before the date
of such foreclosure sale; and
(B) once the eligible mortgagor applies for the
Program, the foreclosure sale shall be halted until
after the eligible mortgagor's Program application has
been evaluated.
(3) Contents of application.--
(A) In general.--In applying for the Program, an
eligible mortgagor shall provide the servicer with
proof of the following information:
(i) The eligible mortgagor is subject to a
financial hardship that makes the eligible
mortgagor unable to continue making timely
payments on the eligible mortgage loan.
(ii) The eligible mortgagor is eligible to
pay the monthly rent amount described under
subsection (c)(1) and such amount is no more
than 31 percent of the eligible mortgagor's
monthly income.
(iii) The eligible mortgagor currently
lives in the property and intends to continue
doing so during the 1-year lease term.
(B) Ability to pay higher percentage of income in
rent.--Notwithstanding subparagraph (A)(ii), if an
eligible mortgagor believes they are able pay the
monthly rent amount despite such amount exceeding 31
percent of the eligible mortgagor's monthly income, the
eligible mortgagor may request that the Department of
Housing and Urban Development review their information,
along with any contributing factors the eligible
mortgagor may have (such as a low debt burden) and, if
the Department notifies the eligible mortgagor that the
Department agrees that the eligible mortgagor is able
to pay a monthly rent amount that is equal to a
percentage of their monthly income that is higher than
31 percent, such higher percentage shall be used for
purposes of subparagraph (A)(ii).
(4) Effect of junior liens.--If an eligible mortgagor
applies for a Program with respect to a single family property
subject to a junior lien--
(A) if the servicer of the Program is also the
holder of the junior lien, the servicer shall release
the junior lien and, subject to the other requirements
of this section, the eligible mortgagor shall be
eligible to participate in the Program; and
(B) if the servicer of the Program is not the
holder of the junior lien, the servicer shall contact
such junior lien holder and request that the holder
release the lien, and--
(i) if the holder releases the lien, then,
subject to the other requirements of this
section, the eligible mortgagor shall be
eligible to participate in the Program; and
(ii) if the holder does not release the
lien, then the eligible mortgagor shall not be
eligible to participate in the Program.
(e) Evaluation and Notification.--
(1) Deadline for evaluation.--The servicer shall evaluate
the eligible mortgagor's application within 30 days of
receiving such application and shall accept an eligible
mortgagor into the Program if the eligible mortgagor has
provided the proof described under subsection (d)(3)(A).
(2) Notification.--Promptly after making a determination
under paragraph (1), the servicer shall notify the eligible
mortgagor of such determination in writing and, if the servicer
determines that the eligible mortgagor may not be accepted into
the Program, the servicer shall specifically explain in writing
why the eligible mortgage was not accepted.
(f) Subsequent Owners Follow Program Requirements.--Any subsequent
owner of the property being leased pursuant to the Program shall--
(1) maintain the Program and abide by the terms of the
Program to the same extent as the servicer of the eligible
mortgage; and
(2) certify to the Department of Housing and Urban
Development, before finalizing any purchase of the property,
that they will abide by the terms of the Program.
(g) Rulemaking; Compliance Evaluation.--The Department of Housing
and Urban Development shall--
(1) issue such regulations as may be necessary to carry out
this section;
(2) evaluate the compliance by servicers and owners with
the requirements of this section; and
(3) enforce the requirements of this section.
(h) Definitions.--For purposes of this section:
(1) Eligible mortgagor.--The term ''eligible mortgagor''
means a mortgagor under an eligible mortgage.
(2) Eligible mortgage.--The term ''eligible mortgage''
means a first or subordinate mortgage on a property that--
(A) is a single family property; and
(B) is currently being used as the principal
residence of the eligible mortgagor.
(3) Single family property.--The term ''single family
property'' means--
(A) a structure consisting of 1 to 4 dwelling
units;
(B) a dwelling unit in a multi-unit condominium
property together with an undivided interest in the
common areas and facilities serving the property;
(C) a dwelling unit in a multi-unit project for
which purchase of stock or a membership interest
entitles the purchaser to permanent occupancy of that
unit; or
(D) a manufactured housing unit.

Ex Output:
Keeping Families Home Act of 2014 - Directs each mortgage servicer to establish a deed-for-lease program which shall permit an eligible mortgagor to: enter into a deed in lieu of foreclosure agreement; continue to occupy and lease the property that is the subject of the agreement for one year; and have a right of first refusal to purchase such property after the end of the one-year lease period, if the owner intends to sell the property at that time. Exempts small servicers from such requirement. Requires a lease to carry a monthly rent amount equal to the fair market rent for the property, as determined by an independent private appraiser hired by and paid by the servicer.

Ex Input:
SECTION 1. COVERAGE OF EMPLOYEES.

Paragraphs (2)(B)(ii) and (4)(A)(i) of section 101 of the Family
and Medical Leave Act of 1993 (29 U.S.C. 2611 (2)(B)(ii) and (4)(A)(i))
are amended by striking ''50'' each place it appears and inserting
''25''.

SEC. 2. PARENTAL INVOLVEMENT LEAVE.

(a) Leave Requirement.--Section 102(a) of the Family and Medical
Leave Act of 1993 (29 U.S.C. 2612(a)) is amended by adding at the end
the following:
''(3) Entitlement to parental involvement leave.--
''(A) In general.--Subject to section 103(f), an
eligible employee shall be entitled to a total of 4
hours of leave during any 30-day period, and a total of
24 hours of leave during any 12-month period, in
addition to leave available under paragraph (1), to
participate in or attend an activity that--
''(i) is sponsored by a school or community
organization; and
''(ii) relates to a program of the school
or organization that is attended by a son or
daughter of the employee, including foster
children.
''(B) Definitions.--As used in this paragraph:
''(i) Community organization.--The term
'community organization' means a private
nonprofit organization that is representative
of a community or a significant segment of a
community and provides activities for
individuals described in subparagraph (A) or
(B) of section 101(12), such as a scouting or
sports organization.
''(ii) School.--The term 'school' means an
elementary school or secondary school (as such
terms are defined in section 14101 of the
Elementary and Secondary Education Act of 1965
(20 U.S.C. 8801)), a Head Start program
assisted under the Head Start Act (42 U.S.C.
9831 et seq.), and a child care facility
licensed under State law.''.
(b) Schedule.--Section 102(b)(1) of such Act (29 U.S.C. 2612(b)(1))
is amended by inserting after the second sentence the following:
''Leave under subsection (a)(3) may be taken intermittently or on a
reduced leave schedule.''
(c) Substitution of Paid Leave.--Section 102(d)(2)(A) of such Act
(29 U.S.C. 2612(d)(2)(A)) is amended by inserting before the period the
following: '', or for leave provided under subsection (a)(3) for any
part of the 24-hour period of such leave under such subsection''.
(d) Notice.--Section 102(e)(1) of such Act (29 U.S.C. 2612(e)(1))
is amended by adding at the end the following: ''In any case in which
an employee requests leave under subsection (a)(3), the employee shall
provide the employer with not less than 7 days' notice, before the date
the leave is to begin, of the employee's intention to take leave under
such subsection.''.
(e) Certification.--Section 103 of such Act (29 U.S.C. 2613) is
amended by adding at the end the following:
''(f) Certification for Parental Involvement Leave.--An employer
may require that a request for leave under section 102(a)(3) be
supported by a certification issued at such time and in such manner as
the Secretary may by regulation prescribe.''.

SEC. 3. PARENTAL INVOLVEMENT LEAVE FOR CIVIL SERVANTS.

(a) Leave Requirement.--Section 6382(a) of title 5, United States
Code, is amended by adding at the end the following:
''(3)(A) Subject to section 6383(f), an employee shall be entitled
to a total of 4 hours of leave during any 30-day period, and a total of
24 hours of leave during any 12-month period, in addition to leave
available under paragraph (1), to participate in or attend an activity
that--
''(i) is sponsored by a school or community organization;
and
''(ii) relates to a program of the school or organization
that is attended by a son or daughter of the employee,
including foster children.
''(B) As used in this paragraph:
''(i) The term 'community organization' means a private
nonprofit organization that is representative of a community or
a significant segment of a community and provides activities
for individuals described in subparagraph (A) or (B) of section
6381(6), such as a scouting or sports organization.
''(ii) The term 'school' means an elementary school or
secondary school (as such terms are defined in section 14101 of
the Elementary and Secondary Education Act of 1965 (20 U.S.C.
8801)), a Head Start program assisted under the Head Start Act
(42 U.S.C. 9831 et seq.), and a child care facility licensed
under State law.''.
(b) Schedule.--Section 6382(b)(1) of such title is amended by
inserting after the second sentence the following: ''Leave under
subsection (a)(3) may be taken intermittently or on a reduced leave
schedule.''
(c) Substitution of Paid Leave.--Section 6382(d) of such title is
amended by inserting before '', except'' the following: '', or for
leave provided under subsection (a)(3) any of the employee's accrued or
accumulated annual leave under subchapter I for any part of the 24-hour
period of such leave under such subsection''.
(d) Notice.--Section 6382(e)(1) of such title is amended by adding
at the end the following: ''In any case in which an employee requests
leave under subsection (a)(3), the employee shall provide the employing
agency with not less than 7 days' notice, before the date the leave is
to begin, of the employee's intention to take leave under such
subsection.''.
(e) Certification.--Section 6383 of such title is amended by adding
at the end the following:
''(f) An employing agency may require that a request for leave
under section 6382(a)(3) be supported by a certification issued at such
time and in such manner as the Office of Personnel Management may by
regulation prescribe.''.

Ex Output:
Amends the Family and Medical Leave Act of 1993 to extend coverage to employees at worksites where the employer employs at least 25 (currently 50) employees at the worksite and within 75 miles of that worksite.
Allows employees covered by such Act to take up to four hours during any 30-day period, and up to 24 hours during any 12-month period, of parental involvement leave to participate in or attend their children's educational and extracurricular activities.
Amends Federal civil service law to apply the same parental involvement leave allowance to Federal employees.