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SECTION 1. SHORT TITLE.

This Act may be cited as the ''Affordable Mortgage for Homeowners
Act of 2011''.

SEC. 2. PRINCIPAL REDUCTION OF MORTGAGES OWNED OR GUARANTEED BY FANNIE
MAE AND FREDDIE MAC.

(a) Program Authority.--The Federal National Mortgage Association
and the Federal Home Loan Mortgage Corporation shall each carry out a
program under this section to provide for the reduction of the interest
rates on qualified mortgages on single-family housing owned or
guaranteed by such enterprises, in accordance with this section and
policies and procedures that the Director of the Federal Housing
Finance Agency shall establish.
(b) Timing.--Each enterprise shall commence the program required
under subsection (a) upon the expiration of the 90-day period beginning
upon the date of the enactment of this Act and shall complete all
reductions of the interest rates of qualified mortgages required under
the program not later than the expiration of the 12-month period
beginning upon the commencement of such program.
(c) Interest Rate Reduction.--In reducing the interest rate on a
qualified mortgage under a program of an enterprise required under this
section, the enterprise shall reduce the annual rate of interest
charged with respect to the outstanding principal obligation of the
mortgage for the remainder of the term of the mortgage, notwithstanding
whether the interest rate under the mortgage is otherwise subject to
adjustment during such mortgage term, to a fixed interest rate that is
the lesser of--
(1) 4 percent annually; or
(2) the rate for a 30-year fixed rate mortgage, as most
recently published in the Weekly Primary Mortgage Market Survey
of the Federal Home Loan Mortgage Corporation, as of the time
of such interest rate reduction for such qualified mortgage.
(d) Exempt Mortgages.--The Director shall provide that the
following qualified mortgages shall not be subject to reduction of the
interest rate under a program under this section:
(1) Fixed-rate mortgages.--In the case of a qualified
mortgage having a rate of interest that is fixed for the entire
term of the mortgage, any mortgage having such an interest rate
that is a lower than the interest rate determined for the
mortgage under subsection (c).
(2) Adjustable-rate mortgages.--In the case of a mortgage
having a rate of interest that is subject to adjustment during
the term of the mortgage, any mortgage for which the interest
rate cannot, as a result of the terms of the terms and
conditions of the mortgage, exceed the interest rate determined
for the mortgage under subsection (c) at any time during the
term of the mortgage.
(e) Option to Opt-Out.--Each program of an enterprise required
under this section shall provide for the enterprise to--
(1) notify the mortgagor under a qualified mortgage in
writing, before the proposed reduction of the interest rate on
qualified mortgage of the mortgagor, of--
(A) such proposed reduction and the interest rate
applicable to the mortgage upon such reduction; and
(B) the opportunity, in accordance with paragraph
(2), for the mortgagor to request that no such interest
rate reduction be applied with respect to such
mortgage; and
(2) forego such interest rate reduction with respect to the
qualified mortgage of a mortgagor upon receipt by the
enterprise of a request by the mortgagor that no such interest
rate reduction be applied with respect to such mortgage.
(f) Maintenance of Loan Status.--Any reduction of the interest rate
on a qualified mortgage under a program under this section shall not
result in the treatment of the modified mortgage as a new mortgage.
(g) Definitions.--For purposes of this section, the following
definitions shall apply:
(1) Director.--The term ''Director'' means the Director of
the Federal Housing Finance Agency.
(2) Enterprise.--The term ''enterprise'' means the Federal
National Mortgage Association and the Federal Home Loan
Mortgage Corporation.
(3) Qualified mortgage.--The term ''qualified mortgage''
means a mortgage, without regard to whether the mortgagor is
current or in default on payments due under the mortgage,
that--
(A) is an existing first mortgage that was made for
purchase of, or refinancing another first mortgage on,
a one- to four-family dwelling, including a condominium
or a share in a cooperative ownership housing
association, that is occupied by the mortgagor as the
principal residence of the mortgagor;
(B) is owned or guaranteed by the Federal National
Mortgage Association or the Federal Home Loan Mortgage
Corporation; and
(C) was originated on or before the date of the
enactment of this Act.
(h) Regulations.--The Director shall issue any regulations or
guidance necessary to carry out the programs required under this
section not later than the expiration of the 90-day period that begins
on the date of the enactment of this Act.
Affordable Mortgage for Homeowners Act of 2011 - Directs the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac) each to carry out a program to provide for the reduction of the interest rates on qualified mortgage mortgages (other than fixed-rate or adjustable-rate mortgages) on single-family housing owned or guaranteed by such enterprises, in accordance with policies and procedures that the Director of the Federal Housing Finance Agency (FHFA) shall establish.

Requires each program to provide a procedure for mortgagors to opt-out of an interest rate reduction.

SECTION 1. SHORT TITLE.

This Act may be cited as the ''IP-Enabled Voice Communications and
Public Safety Act of 2005''.

SEC. 2. EMERGENCY SERVICE.

(a) 911 and E-911 Services.--Notwithstanding section 2(b) or any
other provision of the Communications Act of 1934, the Commission shall
prescribe regulations to establish a set of requirements or obligations
on providers of IP-enabled voice service to ensure that 911 and E-911
services are available to customers to IP-enabled voice service. Such
regulations shall include an appropriate transition period by which to
comply with such requirements or obligations and take into
consideration available industry technological and operational
standards, including network security.
(b) Non-Discriminatory Access to Capabilities.--Each entity with
ownership or control of the necessary emergency services infrastructure
shall provide any requesting IP-enabled voice service provider with
nondiscriminatory access to their equipment, network, databases,
interfaces and any other related capabilities necessary for the
delivery and completion of 911 and E911 calls and information related
to such 911 or E911 calls. Such access shall be consistent with
industry standards established by the National Emergency Number
Association or other applicable industry standards organizations. Such
entity shall provide access to the infrastructure at just and
reasonable, nondiscriminatory rates, terms and conditions. The
telecommunications carrier or other entity shall provide such access to
the infrastructure on a stand-alone basis.
(c) State Authority.--Nothing in this Act, the Communications Act
of 1934, or any Commission regulation or order shall prevent the
imposition on or collection from a provider of voice services,
including IP-enabled voice services, of any fee or charge specifically
designated or presented as dedicated by a State, political subdivision
thereof, or Indian tribe on an equitable, and non-discriminatory basis
for the support of 911 and E-911 services if no portion of the revenue
derived from such fee or charge is obligated or expended for any
purpose other than support of 911 and E-911 services or enhancements of
such services.
(d) Standard.--The Commission may establish regulations imposing
requirements or obligations on providers of voice services, entities
with ownership or control of emergency services infrastructure under
subsections (a) and (b) only to the extent that the Commission
determines such regulations are technologically and operationally
feasible.
(e) Customer Notice.--Prior to the compliance with the rules as
required by subsection (a), a provider of an IP-enabled voice service
that is not capable of providing 911 and E-911 services shall provide a
clear and conspicuous notice of the unavailability of such services to
each customer at the time of entering into a contract for such service
with that customer.
(f) Voice Service Provider Responsibility.--An IP-enabled voice
service provider shall have the sole responsibility for the proper
design, operation, and function of the 911 and E911 access capabilities
offered to the provider's customers.
(g) Parity of Protection for Provision or Use of IP-Enabled Voice
Service.--
(1) Provider parity.--If a provider of an IP-enabled voice
service offers 911 or E-911 services in compliance with the
rules required by subsection (a), that provider, its officers,
directors, employees, vendors, and agents, shall have immunity
or other protection from liability of a scope and extent that
is not less than the scope and extent of immunity or other
protection from liability that any local exchange company, and
its officers directors, employees, vendors, or agents, have
under the applicable Federal and State law (whether through
statute, judicial decision, tariffs filed by such local
exchange company, or otherwise), including in connection with
an act or omission involving the release of subscriber
information related to the emergency calls or emergency
services to a public safety answering point, emergency medical
service provider, or emergency dispatch provider, public
safety, fire service, or law enforcement official, or hospital
emergency or trauma care facility.
(2) User parity.--A person using an IP-enabled voice
service that offers 911 or E-911 services pursuant to this
subsection shall have immunity or other protection from
liability of a scope and extent that is not less than the scope
and extent of immunity or other protection from liability under
applicable law in similar circumstances of a person using 911
or E-911 service that is not provided through an IP-enabled
voice service.
(3) PSAP parity.--In matters related to IP-enabled 911 and
E-911 communications, a PSAP, and its employees, vendors,
agents, and authorizing government entity (if any) shall have
immunity or other protection from liability of a scope and
extent that is not less than the scope and extent of immunity
or other protection from liability under applicable law
accorded to such PSAP, employees, vendors, agents, and
authorizing government entity, respective, in matters related
to 911 or E-911 communications that are not provided via an IP-
enabled voice service.
(h) Delegation Permitted.--The Commission may, in the regulations
prescribed under this section, provide for the delegation to State
commissions of authority to implement and enforce the requirements of
this section and the regulations thereunder.

SEC. 3. MIGRATION TO IP-ENABLED EMERGENCY NETWORK.

Section 158 of the National Telecommunications and Information
Administration Organization Act (as added by section 104 of the ENHANCE
911 Act of 2004) is amended--
(1) by redesignating subsections (d) and (e) as subsections
(e) and (f), respectively; and
(2) by inserting after subsection (c) the following:
''(d) Migration Plan Required.--
''(1) National plan required.--No more than 18 months after
the date of the enactment of the ENHANCE 911 Act of 2004, the
Office shall develop and report to Congress on a national plan
for migrating to a national IP-enabled emergency network
capable of receiving and responding to all citizen activated
emergency communications.
''(2) Contents of plan.--The plan required by paragraph (1)
shall--
''(A) outline the potential benefits of such a
migration;
''(B) identify barriers that must be overcome and
funding mechanisms to address those barriers;
''(C) include a proposed timetable, an outline of
costs and potential savings;
''(D) provide specific legislative language, if
necessary, for achieving the plan; and
''(E) provide recommendations on any legislative
changes, including updating definitions, to facilitate
a national IP-enabled emergency network.
''(3) Consultation.--In developing the plan required by
paragraph (1), the Office shall consult with representatives of
the public safety community, technology and telecommunications
providers, and others it deems appropriate.''.

SEC. 4. DEFINITIONS.

(a) In General.--For purposes of this Act:
(1) 911 and e-911 services.--
(A) 911.--The term ''911'' means a service that
allows a user, by dialing the three-digit code 911, to
call a public safety answering point operated by a
State, local government, Indian tribe, or authorized
entity.
(B) E-911.--The term ''E-911 service'' means a 911
service that automatically delivers the 911 call to the
appropriate public safety answering point, and provides
automatic identification data, including the
originating number of an emergency call, the physical
location of the caller, and the capability for the
public safety answering point to call the user back if
the call is disconnected.
(2) IP-enabled voice service.--The term ''IP-enabled voice
service'' means an IP-enabled service used for real-time 2-way
or multidirectional voice communications offered to a customer
that--
(A) uses North American Numbering Plan administered
telephone numbers, or successor protocol; and
(B) has two-way interconnection or otherwise
exchange traffic with the public switched telephone
network.
(3) Customer.--The term ''customer'' includes a consumer of
goods or services whether for a fee, in exchange for an
explicit benefit, or provided for free.
(4) IP-enabled service.--The term ''IP-enabled service''
means the use of software, hardware, or network equipment that
enable an end user to send or receive a communication over the
public Internet or a private network utilizing Internet
protocol, or any successor protocol, in whole or part, to
connect users--
(A) regardless of whether the communication is
voice, data, video, or other form; and
(B) notwithstanding --
(i) the underlying transmission technology
used to transmit the communications;
(ii) whether the packetizing and
depacketizing of the communications occurs at
the customer premise or network level; or
(iii) the software, hardware, or network
equipment used to connect users.
(5) Public switched telephone network.--The term ''public
switched telephone network'' means any switched common carrier
service that is interconnected with the traditional local
exchange or interexchange switched network.
(6) PSAP.--The term ''public safety answering point'' or
''PSAP'' means a facility that has been designated to receive
911 calls.
(b) Common Terminology.--Except as otherwise provided in subsection
(a), terms used in this Act have the meanings provided under section 3
of the Communications Act of 1934.
IP-Enabled Voice Communications and Public Safety Act of 2005 - Directs the Federal Communications Commission (FCC) to prescribe regulations to establish a set of requirements or obligations on providers of IP-enabled voice service (Internet protocol-enabled service for real-time two-way or multidirectional voice communications) to ensure that 911 (emergency) services and E-911 services (services that automatically delivers a 911 call to the appropriate public safety answering point) are available to customers of IP-enabled voice service. Requires: (1) nondiscriminatory IP provider access to 911 and E-911 services; (2) IP providers to provide to customers a clear and conspicuous notice of the unavailability of 911 and E-911 services; and (3) IP provider and user immunity in the provision and use of 911 and E-911 services to the same extent as local exchange companies and other persons, respectively.

Amends the National Telecommunications and Information Administration Organization Act to require the E-911 Implementation Coordination Office to develop and report to Congress on a national plan for migrating to a national IP-enabled emergency network capable of receiving and responding to all citizen activated emergency communications.

SECTION 1. SHORT TITLE.

This Act may be cited as the ''Disaster Recovery Act of 2005''.

SEC. 2. EXPEDITED PAYMENTS OF FEDERAL ASSISTANCE FOR DEBRIS REMOVAL AND
EMERGENCY PROTECTIVE MEASURES.

(a) Expedited Payments Authorized.--Notwithstanding the Robert T.
Stafford Disaster Relief and Emergency Assistance Act (42 U.S.C. 5121
et seq.) or any regulation issued pursuant to such Act, the Secretary
of Homeland Security, acting through the Director of the Federal
Emergency Management Agency, shall pay to an eligible applicant, in
accordance with subsection (b), 50 percent of the Federal share of
assistance that the applicant is eligible to receive under section
403(b), 407(d), or 503 of such Act (42 U.S.C. 5170b(b), 5173(d), 5193).
(b) Date of Payment.--A claim described in subsection (a) shall be
paid not later than 60 days after the date on which such applicant
files an eligible claim for assistance.
(c) Definitions.--For purposes of this section:
(1) Eligible applicant.--The term ''eligible applicant''
means the following:
(A) A State government.
(B) A local government.
(C) A private non-profit organization or
institution that owns or operates any private nonprofit
educational, utility, emergency, medical, or custodial
care facility, including a facility for the aged or
disabled, or any other facility providing essential
governmental services to the general public, and such
facilities on Indian reservations.
(D) An Indian tribe or authorized tribal
organization, or an Alaska Native village or
organization, but not Alaska Native Corporations, the
ownership of which is vested in a private individual.
(2) Eligible claim for assistance.--The term ''eligible
claim for assistance'' means the following:
(A) Debris removal.--A claim for the clearance,
removal, or disposal of debris such as trees, sand,
gravel, building components, wreckage, vehicles, and
personal property, if such debris is the result of an
emergency or major disaster and such clearance,
removal, or disposal is necessary for any of the
following:
(i) To eliminate an immediate threat, as
determined by the Secretary of Homeland
Security, to human life, public health, or
safety.
(ii) To eliminate an immediate threat, as
determined by the Secretary, of significant
damage to public or private property.
(iii) To ensure the economic recovery of
the community affected by the emergency or
major disaster to the benefit of such community
and any other community, as determined by the
Secretary.
(iv) To ensure the provision of temporary
public transportation service in the community
affected by the emergency or major disaster
pursuant to section 419 of the Robert T.
Stafford Disaster and Emergency Assistance Act
(42 U.S.C. 5186).
(B) Emergency protective measures.--An action taken
by an applicant before, during, or after an emergency
or major disaster that is necessary for any of the
following:
(i) To eliminate or reduce an immediate
threat, as determined by the Secretary of
Homeland Security, to human life, public
health, or safety.
(ii) To eliminate or reduce an immediate
hazard, as determined by the Secretary, that
threatens significant damage to public or
private property.
(C) Other claims.--Any other claim that the
Secretary of Homeland Security determines to be
appropriate.
(3) Emergency.--The term ''emergency'' has the meaning
provided by section 102(1) of the Robert T. Stafford Disaster
and Emergency Assistance Act (42 U.S.C. 5122(1)).
(4) Major disaster.--The term ''major disaster'' has the
meaning provided by section 102(2) of the Robert T. Stafford
Disaster and Emergency Assistance Act (42 U.S.C. 5122(2)).

SEC. 3. REQUIREMENT TO ENSURE DEBRIS CLEARANCE, REMOVAL, AND DISPOSAL
FROM EMERGENCY ACCESS ROADS.

(a) Requirement.--Any reimbursement authorized under section 407 of
the Robert T. Stafford Disaster Relief and Emergency Assistance Act (42
U.S.C. 5173) for clearing and removing debris shall include
reimbursement for clearing, removing, and disposing of debris from any
emergency access road.
(b) Emergency Access Road Defined.--For purposes of subsection (a),
the term ''emergency access road'' means a road that requires access by
emergency personnel, including firefighters, police, emergency medical
personnel, or any other entity identified by the Secretary of Homeland
Security that provides an emergency service after a declaration of an
emergency or major disaster (as defined in section 102 of the Robert T.
Stafford Disaster Relief and Emergency Assistance Act (42 U.S.C.
5122)).

SEC. 4. INCLUSION OF DEBRIS REMOVAL FROM PRIVATE LAND AS ELIGIBLE CLAIM
FOR FEDERAL ASSISTANCE.

Section 408(c)(2)(A) of the Robert T. Stafford Disaster Relief and
Emergency Assistance Act (42 U.S.C. 5174(c)(2)(A)) is amended--
(1) at the end of clause (i), by striking ''and'';
(2) at the end of clause (ii), by striking the period and
inserting ''; and''; and
(3) by inserting after clause (ii) the following new
clause:
''(iii) the removal, clearance, and
disposal of debris from private property that
is the result of an emergency or major
disaster.''.
Disaster Recovery Act of 2005 - Requires the Secretary of Homeland Security, acting through the Director of the Federal Emergency Management Agency, to pay an eligible disaster relief applicant 50 percent of the Federal share of assistance for which the applicant is eligible under specified sections of the Robert T. Stafford Disaster Relief and Emergency Assistance Act, within 60 days after the applicant files a claim for such assistance.

Requires authorized reimbursement for clearing and removing debris to include reimbursement for clearing, removing, and disposing of debris from any emergency access road.

Authorizes Federal assistance for removing, clearing, and disposing of debris from private property.