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 Q]: SECTION 1. SHORT TITLE.

This Act may be cited as the ''Global Anti-Semitism Review Act of
2004''.

SEC. 2. FINDINGS.

Congress makes the following findings:
(1) Acts of anti-Semitism in countries throughout the
world, including some of the world's strongest democracies,
have increased significantly in frequency and scope over the
last several years.
(2) During the first 3 months of 2004, there were numerous
instances of anti-Semitic violence around the world, including
the following incidents:
(A) In Australia on January 5, 2004, poison was
used to ignite, and burn anti-Semitic slogans into, the
lawns of the Parliament House in the state of Tasmania.
(B) In St. Petersburg, Russia, on February 15,
2004, vandals desecrated approximately 50 gravestones
in a Jewish cemetery, painting the stones with
swastikas and anti-Semitic graffiti.
(C) In Toronto, Canada, over the weekend of March
19 through March 21, 2004, vandals attacked a Jewish
school, a Jewish cemetery, and area synagogues,
painting swastikas and anti-Semitic slogans on the
walls of a synagogue and on residential property in a
nearby, predominantly Jewish, neighborhood.
(D) In Toulon, France, on March 23, 2004, a Jewish
synagogue and community center were set on fire.
(3) Anti-Semitism in old and new forms is also increasingly
emanating from the Arab and Muslim world on a sustained basis,
including through books published by government-owned
publishing houses in Egypt and other Arab countries.
(4) In November 2002, state-run television in Egypt
broadcast the anti-Semitic series entitled ''Horseman Without a
Horse,'' which is based upon the fictitious conspiracy theory
know as the Protocols of the Elders of Zion. The Protocols have
been used throughout the last century by despots such as Adolf
Hitler to justify violence against Jews.
(5) In November 2003, Arab television featured an anti-
Semitic series, entitled ''Ash-Shatat'' (or ''The Diaspora''),
which depicts Jewish people hatching a plot for Jewish control
of the world.
(6) The sharp rise in anti-Semitic violence has caused
international organizations such as the Organization for
Security and Cooperation in Europe (OSCE) to elevate, and bring
renewed focus to, the issue, including the convening by the
OSCE in June 2003 of a conference in Vienna dedicated solely to
the issue of anti-Semitism.
(7) The OSCE will again convene a conference dedicated to
addressing the problem of anti-Semitism on April 28-29, 2004,
in Berlin, with the United States delegation to be led by
former Mayor of New York City Ed Koch.
(8) The United States Government has strongly supported
efforts to address anti-Semitism through bilateral
relationships and interaction with international organizations
such as the OSCE, the European Union, and the United Nations.
(9) Congress has consistently supported efforts to address
the rise in anti-Semitic violence. During the 107th Congress,
both the Senate and the House of Representatives passed
resolutions expressing strong concern with the sharp escalation
of anti-Semitic violence in Europe and calling on the
Department of State to thoroughly document the phenomenon.

SEC. 3. SENSE OF CONGRESS.

It is the sense of Congress that--
(1) the United States Government should continue to
strongly support efforts to combat anti-Semitism worldwide
through bilateral relationships and interaction with
international organizations such as the OSCE; and
(2) the Department of State should thoroughly document acts
of anti-Semitism that occur around the world.

SEC. 4. REPORT.

Not later than 180 days after the date of enactment of this Act,
and annually thereafter, the Secretary of State shall submit to the
Committee on Foreign Relations of the Senate and the Committee on
International Relations of the House of Representatives a report on
acts of anti-Semitism around the world, including a description of--
(1) acts of physical violence against, or harassment of,
Jewish people, and acts of violence against, or vandalism of,
Jewish community institutions, such as schools, synagogues, or
cemeteries, that occurred in each country;
(2) the responses of the governments of those countries to
such actions;
(3) the actions taken by such governments to enact and
enforce laws relating to the protection of the right to
religious freedom of Jewish people; and
(4) the efforts by such governments to promote anti-bias
and tolerance education.
[EX A]: Global Anti-Semitism Review Act of 2004 - Expresses the sense of Congress that: (1) the United States Government should continue to support efforts to combat anti-Semitism worldwide through bilateral relationships and interaction with international organizations; and (2) the Department of State should document anti-Semitic acts around the world.

Directs the Secretary of State to report on anti-Semitic acts around the world, including governmental responses to such acts.

[EX Q]: SECTION 1. SHORT TITLE.

This Act may be cited as the ''Federal Student Loan Refinancing
Act''.

SEC. 2. STUDENT LOAN CONSOLIDATION.

Section 459B of the Higher Education Act of 1965 (20 U.S.C. 1087i-
2) is amended--
(1) in subsection (a)(3), by striking ''section'' and
inserting ''subsection'';
(2) in subsection (b), by striking ''this section'' and
inserting ''subsection (a)'' each place the term appears; and
(3) by inserting at the end the following:
''(c) Temporary Loan Consolidation Authority for Certain Loans Made
After July 1, 2006.--
''(1) Loan consolidation authority.--
''(A) In general.--A borrower who has 1 or more
loans in a category described in subparagraph (B) may
consolidate all of the loans of the borrower that are
described in subparagraph (B) into a Federal Direct
Consolidation Loan during the period described in
subparagraph (C).
''(B) Categories of loans that may be
consolidated.--The categories of loans that may be
consolidated under subparagraph (A) are loans made on
or after July 1, 2006, that are--
''(i) loans made under this part;
''(ii) loans purchased by the Secretary
pursuant to section 459A; and
''(iii) loans made under part B that are
held by an eligible lender, as such term is
defined in section 435(d).
''(C) Time period in which loans may be
consolidated.--
''(i) Federal direct loans.--In the case of
a borrower who has 1 or more loans described
under subparagraph (B)(i), the Secretary
shall--
''(I) consolidate the loans
described under subparagraph (B)(i) not
later than 90 days after the date of
enactment of the Federal Student Loan
Refinancing Act; and
''(II) notify the borrower, in
writing, prior to such consolidation
that--
''(aa) the borrower's loans
under this part have been
consolidated at a lower
interest rate; and
''(bb) the borrower's
repayment plan and the other
terms and conditions of the
borrower's loan remain
unchanged.
''(ii) Other loans.--In the case of a
borrower who has 1 or more loans described
under clause (ii) or (iii) of subparagraph (B),
the Secretary shall--
''(I) initiate the loan
consolidation process for the loans
described under clause (ii) or (iii) of
subparagraph (B), not later than 90
days after the date of enactment of the
Federal Student Loan Refinancing Act,
by sending a completed loan
consolidation application to the
borrower;
''(II) notify the borrower, as part
of such application, that a fee will be
assessed and that the interest rate of
the Federal Direct Consolidation Loan
will be set in accordance with
paragraph (2); and
''(III) notify the borrower, as
part of such application, that if the
borrower wishes to consolidate in
accordance with the completed
application, the borrower must endorse
the application and submit the
application to the Secretary not more
than 6 months after receipt of the
application.
''(2) Terms of loans.--The following terms and conditions
shall apply to a Federal Direct Consolidation Loan made under
this subsection:
''(A) The applicable rate of interest on a Federal
Direct Consolidation Loan made under this subsection
shall be--
''(i) 4 percent; or
''(ii) in a case in which the weighted
average of the interest rates on the
outstanding loans of a borrower that will be
consolidated is less than 4 percent, the lesser
of--
''(I) the weighted average of the
interest rates on the outstanding loans
of a borrower that will be
consolidated; or
''(II) a rate of interest equal
to--
''(aa) 4 percent; minus
''(bb) 0.4 percent of the
principal balance of the
consolidation loan, at the time
of consolidation.
''(B) In the case of a loan consolidated under
paragraph (1)(C)(ii), an origination fee equal to 0.4
percent of the principal balance of the consolidation
loan, at the time of consolidation, will be added to
the principal balance of the loan, and the Secretary
shall use the fee to cover the cost of making and
servicing the loan.
''(C) If 1 or more of the loans being consolidated
is a loan described under paragraph (1)(B)(iii), the
interest rate on the Federal Direct Consolidation Loan
under this subsection shall be reduced by 0.25 percent.
''(D) Any benefit a borrower is receiving or
earning at the time a Federal Direct Consolidation Loan
is issued under this subsection shall not be affected
by consolidation under this section, including benefits
such as a deferment or forbearance, accumulation of
monthly payments as part of the public service loan
forgiveness program under section 455(m), accumulation
of monthly payments toward a loan discharge under the
income-based repayment plan under section 493C,
participation in a particular repayment plan, and other
benefits to the borrower.''.

SEC. 3. EXEMPTIONS FROM OTHER LAWS.

(a) Exemption From the Paperwork Reduction Act.--Chapter 35 of
title 44, United States Code, shall not apply to this Act.
(b) Inapplicability of Rulemaking Requirements.--Sections 482(c)
and 492 of the Higher Education Act of 1965 (20 U.S.C. 1089(c), 1098a)
and section 553 of title 5, United States Code, shall not apply to the
amendments made by this Act, or to any regulations promulgated under
such amendments.
[EX A]: Federal Student Loan Refinancing Act This bill amends title IV (Student Assistance) of the Higher Education Act of 1965 to allow borrowers that received loans under the William D. Ford Federal Direct Loan (DL) or Federal Family Education Loan (FFEL) program on or after July 1, 2006, to consolidate those loans as Federal Direct Consolidation Loans. It directs the Department of Education (ED) to consolidate DLs, and send a completed loan consolidation application to FFEL borrowers, within 90 days of this bill's enactment. It gives FFEL borrowers six months after their receipt of such application to endorse it and submit it to ED if they wish to consolidate their loans. The bill sets the interest rate on Federal Direct Consolidation Loans at 4% or, if the weighted average of the interest rates of the loans being consolidated is less than 4%, the lesser of: (1) that weighted average, or (2) an interest rate equal to 0.4% of the principal balance of the consolidation loan at the time of consolidation. It adds an origination fee equal to 0.4% of the principal balance of the consolidation loan at the time of consolidation if an FFEL is being consolidated. It reduces the interest rate on a Federal Direct Consolidation Loan by 0.25% if one or more of the loans being consolidated is an FFEL held by an eligible lender. The bill prohibits any benefit a borrower is receiving or earning when issued a Federal Direct Consolidation Loan from being affected by the consolidation.

[EX Q]: SECTION 1. SHORT TITLE.

This Act may be cited as the ''Home Heating Loan Guarantee Act of
2008''.

SEC. 2. FINDINGS.

The Congress finds as follows:
(1) Heating oil, propane, and natural gas help to keep 70
percent of United States households warm.
(2) For 8,000,000 homes alone in the United States, heating
oil is the primary source of heating and 6,200,000 of those
homes are in the Northeast, including the Central Atlantic
States.
(3) Over the last year and a half, the retail cost of
heating oil has nearly tripled, as follows:
(A) In January 2007, a gallon of heating oil cost
$1.59.
(B) By autumn of 2007, the cost of 1 gallon was
$2.75.
(C) From October 2008 through March 2009, heating
oil is projected to average $4.13 per gallon, an
increase of about 25 percent over last winter.
(D) Increases in natural gas and propane prices
this winter are also projected.
(4) Many homeowners, already strapped financially, simply
will not be able to heat their homes this winter.
(5) In Northeastern Pennsylvania this winter, the average
homeowner who uses 950 gallons of home heating oil will have to
pay between $3,000 to $4,000 for heating.
(6) While the Low Income Home Energy Assistance Program
operated by the Secretary of Health and Human Services through
the Administration for Children and Families (the program is
commonly referred to as ''LIHEAP'') is a big help to consumers,
the Program by itself is not enough to meet the challenge and
the Congress should act to increase its funding as a separate
matter.
(7) Heating oil dealers have faced and will continue to
face tremendous stress because of the price increase.
(8) Home heating oil dealers suffered cash flow problems in
the Winter of 2007-2008 and, with such large price increases,
the problems will only get worse in the Winter of 2008-2009.
(9) In the usage of trade in the home heating oil supply
and distribution system, home heating oil dealers must
typically pay suppliers within 10 days of delivery of oil.
(10) If customers cannot make timely payments to dealers,
dealers, in turn, lack the cash to pay suppliers to keep
supplies flowing to consumers.

SEC. 3. GUARANTEED DEPOSITORY INSTITUTION LOANS TO HOME HEATING
SUPPLIERS.

(a) Definitions.--For purposes of this section, the following
definitions shall apply:
(1) Consumer.--The term ''consumer'' means an individual or
household who acquires goods or services from a home heating
supplier primarily for personal, family, or household purposes.
(2) Depository institution.--The term ''depository
institution'' has the same meaning as in section 19(b)(1)(A) of
the Federal Reserve Act.
(3) Eligible consumer.--The term ''eligible consumer
means'' means any individual or household whose household
income for the last year ending before any receiving any loan
under this section did not exceed an amount equal to 150
percent of the national median household income for such year.
(4) Qualified home heating loan.--The term ''qualified home
heating loan'' means an unsecured consumer loan to an eligible
consumer that is made for the sole purpose of paying a home
heating supplier for home heating supplies delivered by such
supplier (or to be delivered), or repairs made by the supplier
to broken home heating equipment or leaking or frozen lines,
during the 2008-2009 home heating season.
(5) Home heating supplier.--The term ''home heating
supplier'' means a business engaged in retail distribution of
heating oil, propane, or natural gas to consumers.
(6) Secretary.--The term ''Secretary'' means the Secretary
of the Treasury.
(b) Loan Guarantees Authorized.--Subject to the requirements of
this section and to the extent and in such amounts as are provided in
advance in appropriation Acts, the Secretary may guarantee qualified
home heating loans made by depository institutions during the 2008-2009
home heating season when the Secretary determines that such action is
necessary to minimize disruptions in the supply and distribution of
home heating resources due to the inability of customers of the
suppliers to pay for home heating supplies delivered by such supplier
or repairs made by the supplier to broken home heating equipment or
leaking or frozen lines.
(c) Terms and Conditions.--
(1) Annual percentage rate.--The interest imposed on any
qualified home heating loan that is guaranteed by the Secretary
under this section shall be at a fixed rate and the annual
percentage rate (as determined in accordance with the Truth in
Lending Act) with respect to such loan may not exceed 5
percent.
(2) Origination fees.--The total amount of loan origination
fees imposed in connection with any qualified home heating loan
that is guaranteed by the Secretary under this section, in
accordance with regulations which the Secretary shall
prescribe, may not exceed an amount equal to 1 percent of the
principal of the loan.
(3) Maximum loan amount.--The amount of any credit extended
under any qualified home heating loan that is guaranteed by the
Secretary under this section may not exceed $5,000.
(4) Repayment period.--Any qualified home heating loan that
is guaranteed by the Secretary under this section shall be
fully amortized under a repayment schedule that requires full
repayment before the end of the 2-year period beginning on the
date the loan is consummated.
(5) Other terms and conditions.--The Secretary may
establish by regulation such additional terms and conditions
that shall apply with regard to qualified home heating loans as
the Secretary may determine to be appropriate.
(d) Provisions Relating to Program.--
(1) Distribution of proceeds.--To accelerate the
distribution of loan proceeds and limit fraud, the Secretary
may require, by regulation, that the proceeds of a qualified
home heating loan to be disbursed directly to a home heating
supplier designated by the consumer, except that the Secretary
may also require that the consumer cosign for any disbursement
of such proceeds when necessary for the protection of
consumers.
(2) Background checks.--The Secretary may take such action
as appropriate, or require such verification by a depository
institution as appropriate, to ascertain--
(A) the character and creditworthiness of a home
heating supplier, including any owner or managing
directors or employees of the supplier, and any
consumer seeking to qualify for a home heating loan;
and
(B) the effectiveness of the consumer operations of
the home heating supplier established to meet the
requirements of the Secretary under paragraph (1).
(3) Overall loan limits.--The Secretary may, by regulation
establish such criteria and requirements, as the Secretary may
determine to be appropriate with respect to--
(A) the total number of loans or the aggregate loan
amounts guaranteed under this section that are made to
customers of any single home heating supplier or by any
depository institution; and
(B) the total number of loans or the aggregate loan
maximum loan amounts guaranteed under this section that
are made to customers of home heating suppliers, or by
depository institutions, operating in a geographical
area or region as the Secretary may prescribe.
(4) Self-certification.--To expedite implementation of the
program, a depository institution may self-certify that any
consumer loan and any consumer meets the eligibility standards
for a qualified home heating loan in order to obtain the
guarantee with respect to a home heating loan to such consumer,
except that any guarantee of such loan shall be subject to a
demonstration by such depository institution that the loan
actually met such eligibility standards if the depository
institution submits a claim to the Secretary with regard to
such guarantee in the event of nonpayment by the consumer.
(e) Enforcement.--The Secretary may exercise any power or authority
of the Secretary arising under any other provision of law, including
section 5318 of title 31, United States Code, to carry out this section
and enforce any provision of this section or any requirement or
obligation arising under this section or any regulation prescribed
under this section.
[EX A]:
Home Heating Loan Guarantee Act of 2008 - Authorizes the Secretary of the Treasury to guarantee qualified home heating loans made by depository institutions during the 2008-2009 home heating season if necessary to minimize disruptions in the supply and distribution of home heating resources because of the inability of customers of the suppliers to pay for home heating supplies or repairs made to broken home heating equipment or leaking or frozen lines.

Sets forth terms and conditions governing the loan guarantee, including overall loan limits.