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[EX Q]: 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 A]: 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 Q]: SECTION 1. SHORT TITLE.

This Act may be cited as the ''9/11 Can You Hear Me Now Act''.

SEC. 2. FINDINGS.

The Congress finds the following:
(1) After two terrorist attacks it is time to fix the
communications system for the New York City Fire Department.
(2) During its response to the 1993 bombing of the World
Trade Center in New York City, the New York City Fire
Department's radios did not work in the twin towers of the
World Trade Center. The resulting lack of communication
complicated operations but did not result in the death of any
firefighter.
(3) Eight years later, on September 11, 2001, the World
Trade Center was attacked again and the fire department's radio
system failed again.
(4) Soon before the collapse of Tower One of the World
Trade Center, fire department officials tried in vain to radio
firefighters to evacuate the building.
(5) The firefighters' radio system failed the firefighters
in Tower One and as a result many were not able to receive this
warning. The failure of the radio system was largely
responsible for the death of many of the 343 firefighters who
died in the collapse of the World Trade Center twin towers.
(6) Since September 11, 2001, the fire department has taken
steps to improve the communications system that failed them.
However, many tall buildings in New York City have not
installed repeaters that are needed to boost signals, and the
signals are often lost in high-rise buildings and underground.
(7) In August 2003, New York City experienced a blackout.
During the blackout the fire department's radio system was
again found not to work reliably during emergency situations or
in high buildings.
(8) The dispatch system currently used by the New York City
Fire Department was acquired in the early 1970s and hampers the
ability of the department to fully communicate with its
firefighters and provide appropriate detailed information about
the buildings and locations to which they respond.
(9) Since the terrorist attacks of September 11, 2001,
executive branch officials have repeatedly warned that future
terror attacks are not a matter of if, but when. The Secretary
of Homeland Security has identified New York City as one of the
main terrorist targets.
(10) With New York City remaining a top terrorist target,
such communications system should be a national priority.
(11) A new state-of-the-art communications system and
upgrades to the critical information dispatch system for the
New York City Fire Department should be--
(A) seamless from the receipt of a 911 call to the
dispatch of the firefighter; and
(B) interoperable with other public safety offices
within the City of New York.

SEC. 3. REQUIREMENT TO PROCURE COMMUNICATIONS SYSTEM FOR NEW YORK CITY
FIRE DEPARTMENT.

(a) In General.--The Secretary of Homeland Security shall, by not
later than 1 year after the date of the enactment of this Act, procure
development and provision of a communications system for the New York
City Fire Department, including appropriate radios for the entire
department and upgrades to the critical information dispatch system of
the department.
(b) Requirements.--
(1) Radios.--Radios procured pursuant to this section must
be capable of operating in all locations, and under all
conditions, in which firefighters can reasonably be expected to
work in responding to an emergency in New York City.
(2) Supplemental communication device.--Any communications
system procured pursuant to this section must include provision
to each firefighter of a supplemental radio communication
device that--
(A) allows the firefighter to transmit audio and
radio emergency notification warning signals to other
firefighters whenever the firefighter is in distress
and in immediate need of assistance; and
(B) has the capability to operate automatically in
a passive mode by transmitting audio and radio messages
that will relay the firefighter's identification and
location if the firefighter--
(i) becomes incapacitated and motionless;
and
(ii) is unable to physically transmit a
call for help.
(3) Dispatch system.--Upgrades to the critical information
dispatch system procured pursuant to this section must--
(A) allow the fire department to communicate with
firefighters in all locations, and under all
conditions, in which firefighters can reasonably be
expected to work in responding to an emergency in New
York City, including all high-rise buildings and
subways;
(B) provide useful, detailed data concerning all
likely terrorist target locations in the City of New
York; and
(C) be capable of providing to responding
firefighters, instantaneously, details about particular
buildings and other locations to assist them in making
decisions about how to mitigate a terrorist attack and
save lives and property.
(c) Testing.--Radios, any dispatch system upgrades, and
supplemental communication devices procured pursuant to this section
must have been tested to ensure they will operate in all locations and
under all conditions in which firefighters can reasonably be expected
to work in responding to an emergency in New York City.
(d) Coordination.--In carrying out this section the Secretary shall
coordinate with the City of New York to ensure that the communications
system procured under this section is--
(1) compatible with the plans of the City of New York to
upgrade its 911 system; and
(2) interoperable with other public safety communications
systems.
(e) Progress Report.--The Secretary shall submit to the Congress a
report on progress made in carrying out this section, on--
(1) February 26, 2008; and
(2) September 11, 2008.
[EX A]: 9/11 Can You Hear Me Now Act - Directs the Secretary of Homeland Security to procure development and provision of a communications system for the New York City Fire Department, including appropriate radios and upgrades to the Department's critical information dispatch system that allow communication in all locations and under all conditions in which firefighters can reasonably be expected to work, including all high-rise buildings and subways.

Directs that any communications system procured include provision to each firefighter of a supplemental radio communication device that: (1) allows the firefighter to transmit emergency notification warning signals to other firefighters; and (2) has the capability to operate automatically by transmitting messages that will relay an incapacitated firefighter's identification and location.

Requires that upgrades procured: (1) provide useful, detailed data concerning all likely terrorist target locations in the city; and (2) be capable of providing to responding firefighters, instantaneously, details about particular buildings and other locations to assist in making decisions about how to mitigate a terrorist attack.

Requires that: (1) radios, any dispatch system upgrades, and supplemental communication devices procured be tested; and (2) the Secretary coordinate with the city to ensure that the communications system procured is compatible with city plans to upgrade its 911 system and interoperable with other public safety communications systems.

[EX Q]: SEC. 1. SHORT TITLE.

This Act may be cited as the ''Service for School Act of 2005''.

SECTION 2. PURPOSE.

The purpose of this Act is to provide Federal tuition assistance to
undergraduate students attending eligible institutions in exchange for
a commitment to perform National service.

SEC. 3. TUITION ASSISTANCE AUTHORIZED.

(a) Service for School Tuition Assistance Authorized.--The
Secretary is authorized to pay, in accordance with subsection (b), to
each Service for School participant for each academic year during which
such participant is in attendance at an eligible institution as an
undergraduate, tuition assistance in an amount not more than the amount
such participant elects to receive in the Service for School agreement.
The authority to pay tuition assistance under this Act shall be
effective for any fiscal year only to such extent or in such amounts as
are provided in appropriations Acts.
(b) Distribution of Tuition Assistance to Students.--Tuition
assistance payments under this Act shall be made in accordance with
regulations promulgated by the Secretary for such purpose and in such
manner as will best accomplish the purpose of this Act.

SEC. 4. APPLICATION; ELIGIBILITY.

(a) Application.--The Secretary shall from time to time set dates
by which eligible individuals shall file applications for tuition
assistance under this Act. Each eligible individual desiring to be a
Service for School participant for any year shall file an application
with the Secretary containing such information and assurances as the
Secretary may deem necessary to carry out the purpose of this Act.
(b) Eligibility.--An individual shall be eligible to apply for
tuition assistance under this Act if the individual--
(1) is enrolled or accepted for enrollment in an
educational program at an eligible institution, as defined in
section 10, for which such institution awards an associate's or
a bachelors' degree; and
(2) enters into a Service for School agreement with the
Secretary under section 6.

SEC. 5. PARTICIPANT SELECTION.

(a) Selection.--Each academic year, the Secretary shall select
Service for School participants from the applications received from
eligible individuals under section 4.
(b) Priority.--The Secretary shall give priority to those eligible
individuals who demonstrate the greatest financial need.

SEC. 6. SERVICE FOR SCHOOL AGREEMENT.

(a) Agreement Terms.--The Service for School agreement shall--
(1) require that any participant that receives tuition
assistance under this Act shall complete--
(A) one calendar year of full-time National service
for each academic year during which the participant
received the maximum amount of tuition assistance under
section 7;
(B) two calendar years of part-time National
service for each academic year during which the
participant received the maximum amount of tuition
assistance under section 7; or
(C) in the case of an academic year during which
the participant received less than the maximum amount
of tuition assistance under section 7, National service
for a period equivalent to the amount of tuition
assistance received for such academic year, as
determined by the Secretary;
(2) include the amount of tuition assistance requested by
the eligible individual for that academic year, not to exceed
the maximum amount of tuition assistance under section 7;
(3) require that a participant begin to perform such
National service no later than 12 months after the date of
graduation (or permanent departure) from an eligible
institution;
(4) require that a participant complete such National
service not later than 10 years after the date of graduation
(or permanent departure) from an eligible institution;
(5) provide that a participant shall not be considered to
have permanently departed from an institution if the
participant, in a manner and under the terms established by and
with the approval of the Secretary, transfers to another
eligible institution, or postpones or interrupts enrollment at
an eligible institution for not more than 12 months;
(6) provide that a participant may appeal to the Secretary
for an extension of the time requirements under paragraphs (3)
and (4), and that the Secretary may waive such requirements for
exceptional circumstances or hardship;
(7) provide that, in the event that a participant fails to
abide by the terms of the agreement, the participant shall
repay any Federal tuition assistance received by the
participant for which the participant did not perform the
required National service, as determined by the Secretary; and
(8) provide that such Service for School agreement shall be
null and void if the eligible individual is not selected by the
Secretary to be a Service for School participant for academic
year for which the application is submitted.
(b) Duration of Agreement; Renewal.--A Service for School agreement
shall be made for only one academic year of tuition assistance at a
time. Such agreement shall be renewable on an annual basis if the
participant remains eligible. A participant may revise annually the
amount of tuition assistance requested (in accordance with subsection
(a)(2)).

SEC. 7. TUITION ASSISTANCE.

(a) Maximum Amount of Tuition Assistance.--For each academic year,
a Service for School participant shall be eligible to receive tuition
assistance in an amount not to exceed the lesser of--
(1) the average total tuition and fees for full-time
students for a complete academic year at four-year public
colleges and universities, as determined annually by the
College Board, for the most recent academic year for which data
is available; or
(2) such participant's cost of attendance, as defined under
section 472 of the Higher Education Act of 1965 (20 U.S.C.
1087ll).
(b) Election of Reduced Tuition Assistance.--A Service for School
participant may elect to receive less than the maximum amount of
tuition assistance in exchange for a reduced requirement to perform
National service (in accordance with section 6(a)(1)(C)).
(c) Form of Tuition Assistance.--The tuition assistance provided to
a Service for School participant under this Act shall be in the form of
grants, remissions of expenses, or such other form as the Secretary
considers appropriate.

SEC. 8. COLLECTION AND WAIVER AUTHORITY.

(a) Collection by the Secretary.--The Secretary shall have the
authority to collect amounts owed by a Service for School participant
under section 6(a)(7). The Secretary may, for the purpose of collection
of such amounts, exercise the authorities conferred on the Secretary by
sections 467 and 468 of the Higher Education Act of 1965 (20 U.S.C.
1087gg and 1087hh) with respect to the collection of defaulted loans
under part E of title IV of such Act. Amounts collected under this
subsection shall remain available to the Secretary for making tuition
assistance payments under this Act during the succeeding fiscal year.
(b) Waiver for Exceptional Circumstances.--The Secretary may waive
the National service performance requirement under section 6(a)(1), and
the repayment requirement under section 6(a)(7), if exceptional
circumstances such as illness or death prevent a Service for School
participant from meeting such requirements.

SEC. 9. REGULATIONS.

The Secretary is authorized to issue such regulations as may be
necessary to carry out the provisions of this Act, including any
regulations necessary to verify completion by the participants of the
terms of the Service for School agreement under section 6.

SEC. 10. DEFINITIONS.

In this Act:
(1) National service.--The term ''National service'' means
service in--
(A) the Armed Forces (as defined under 10 U.S.C.
101), including service on active duty and service in
the National Guard or a reserve component of the Armed
Forces;
(B) the Peace Corps;
(C) any AmeriCorps-sponsored program, including
City Year and Teach for America;
(D) any Citizen Corps program;
(E) any USA Freedom Corps program; or
(F) any program specifically authorized as such by
the Secretary for the purpose of this Act.
(2) Eligible institution.--The term ''eligible
institution'' means an institution of higher education as
defined in section 101 of the Higher Education Act of 1965 (20
U.S.C. 1001).
(3) Full-time national service.--The term ''full-time
National service'' means the performance of National service
for not less than 40 hours per week, including active duty in
the Armed Forces.
(4) Part-time national service.--The term ''part-time
National service'' means the performance of National service
for less than 40 hours per week, but not less than 40 hours per
month, including service in the National Guard and in a reserve
component of the Armed Forces.
(5) Secretary.--The term ''Secretary'' means the Secretary
of Education.
(6) State.--The term ''State'' means each of the several
States, the District of Columbia, the Commonwealth of Puerto
Rico, the Commonwealth of the Northern Mariana Islands,
American Samoa, Guam, the United States Virgin Islands, and any
other territory or possession of the United States.
[EX A]:
Service for School Act of 2005 - Authorizes the Secretary of Education to provide tuition assistance to undergraduate students attending eligible institutions of higher education in exchange for a commitment to perform national service.