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

Example Input: SECTION 1. SHORT TITLE.

This Act may be cited as the ''Deficit Reduction Act of 2003''.

TITLE I--REFORMED BUREAU OF RECLAMATION WATER PRICING

SECTION 101. SHORT TITLE.

This Act may be cited as the ''Irrigation Subsidy Reduction Act of
2001''.

SEC. 102. FINDINGS.

Congress finds that--
(1) the Federal reclamation program has been in existence
for over 90 years, with an estimated taxpayer investment of
over $70,000,000,000;
(2) the program has had and continues to have an enormous
effect on the water resources and aquatic environments of the
western States;
(3) irrigation water made available from Federal water
projects in the West is a very valuable resource for which
there are increasing and competing demands;
(4) the justification for providing water at less than full
cost was to benefit and promote the development of small family
farms and exclude large corporate farms, but this purpose has
been frustrated over the years due to inadequate implementation
of subsidy and acreage limits;
(5) below-cost water prices tend to encourage excessive use
of scarce water supplies in the arid regions of the West, and
reasonable price increases to the wealthiest western farmers
would provide an economic incentive for greater water
conservation;
(6) the Federal Government has increasingly applied
eligibility tests based on income for Federal entitlement and
subsidy programs, measures that are consistent with the
historic approach of the reclamation program's acreage
limitations that seek to limit water subsidies to smaller
farms; and
(7) including a means test based on gross income in the
reclamation program will increase the effectiveness of carrying
out the family farm goals of the Federal reclamation laws.

SEC. 103. AMENDMENTS.

(a) Definitions.--Section 202 of the Reclamation Reform Act of 1982
(43 U.S.C. 390bb) is amended--
(1) by redesignating paragraphs (7), (8), (9), (10), and
(11) as paragraphs (9), (10), (11), (12), and (13),
respectively;
(2) in paragraph (6), by striking ''owned or operated under
a lease which'' and inserting ''that is owned, leased, or
operated by an individual or legal entity and that'';
(3) by inserting after paragraph (6) the following:
''(7) Legal entity.--The term 'legal entity' includes a
corporation, association, partnership, trust, joint tenancy, or
tenancy in common, or any other entity that owns, leases, or
operates a farm operation for the benefit of more than 1
individual under any form of agreement or arrangement.
''(8) Operator.--
''(A) In general.--The term 'operator'--
''(i) means an individual or legal entity
that operates a single farm operation on a
parcel (or parcels) of land that is owned or
leased by another person (or persons) under any
form of agreement or arrangement (or agreements
or arrangements); and
''(ii) if the individual or legal entity--
''(I) is an employee of an
individual or legal entity, includes
the individual or legal entity; or
''(II) is a legal entity that
controls, is controlled by, or is under
common control with another legal
entity, includes each such other legal
entity.
''(B) Operation of a farm operation.--For the
purposes of subparagraph (A), an individual or legal
entity shall be considered to operate a farm operation
if the individual or legal entity is the person that
performs the greatest proportion of the decisionmaking
for and supervision of the agricultural enterprise on
land served with irrigation water.''; and
(4) by adding at the end the following:
''(14) Single farm operation.--
''(A) In general.--The term 'single farm operation'
means the total acreage of land served with irrigation
water for which an individual or legal entity is the
operator.
''(B) Rules for determining whether separate
parcels are operated as a single farm operation.--
''(i) Equipment- and labor-sharing
activities.--The conduct of equipment- and
labor-sharing activities on separate parcels of
land by separate individuals or legal entities
shall not by itself serve as a basis for
concluding that the farming operations of the
individuals or legal entities constitute a
single farm operation.
''(ii) Performance of certain services.--
The performance by an individual or legal
entity of an agricultural chemical application,
pruning, or harvesting for a farm operation on
a parcel of land shall not by itself serve as a
basis for concluding that the farm operation on
that parcel of land is part of a single farm
operation operated by the individual or entity
on other parcels of land.''.
(b) Identification of Owners, Lessees, and Operators and of Single
Farm Operations.--The Reclamation Reform Act of 1982 (43 U.S.C. 390aa
et seq.) is amended by inserting after section 201 the following:

''SEC. 201A. IDENTIFICATION OF OWNERS, LESSEES, AND OPERATORS AND OF
SINGLE FARM OPERATIONS.

''(a) In General.--Subject to subsection (b), for each parcel of
land to which irrigation water is delivered or proposed to be
delivered, the Secretary shall identify a single individual or legal
entity as the owner, lessee, or operator.
''(b) Shared Decisionmaking and Supervision.--If the Secretary
determines that no single individual or legal entity is the owner,
lessee, or other individual that performs the greatest proportion of
decisionmaking for and supervision of the agricultural enterprise on a
parcel of land--
''(1) all individuals and legal entities that own, lease,
or perform a proportion of decisonmaking and supervision that
is equal as among themselves but greater than the proportion
performed by any other individual or legal entity shall be
considered jointly to be the owner, lessee, or operator; and
''(2) all parcels of land of which any such individual or
legal entity is the owner, lessee, or operator shall be
considered to be part of the single farm operation of the
owner, lessee, or operator identified under subsection (1).''.
(c) Pricing.--Section 205 of the Reclamation Reform Act of 1982 (43
U.S.C. 390ee) is amended by adding at the end the following:
''(d) Single Farm Operations Generating More Than $500,000 in Gross
Farm Income.--
''(1) In general.--Notwithstanding subsections (a), (b),
and (c), in the case of--
''(A) a qualified recipient that reports gross farm
income from a single farm operation in excess of
$500,000 for a taxable year; or
''(B) a limited recipient that received irrigation
water on or before October 1, 1981, and that reports
gross farm income from a single farm operation in
excess of $500,000 for a taxable year;
irrigation water may be delivered to the single farm
operation of the qualified recipient or limited recipient at
less than full cost to a number of acres that does not exceed
the number of acres determined under paragraph (2).
''(2) Maximum number of acres to which irrigation water may
be delivered at less than full cost.--The number of acres
determined under this subparagraph is the number equal to the
number of acres of the single farm operation multiplied by a
fraction, the numerator of which is $500,000 and
the denominator of which is the amount of gross farm income reported by
the qualified recipient or limited recipient in the most recent taxable
year.
''(3) Inflation adjustment.--
''(A) In general.--The $500,000 amount under
paragraphs (1) and (2) for any taxable year beginning
in a calendar year after 2002 shall be equal to the
product of--
''(i) $500,000, multiplied by
''(ii) the inflation adjustment factor for
the taxable year.
''(B) Inflation adjustment factor.--The term
'inflation adjustment factor' means, with respect to
any calendar year, a fraction the numerator of which is
the GDP implicit price deflator for the preceding
calendar year and the denominator of which is the GDP
implicit price deflator for 2002. Not later than April
1 of any calendar year, the Secretary shall publish the
inflation adjustment factor for the preceding calendar
year.
''(C) GDP implicit price deflator.--For purposes of
subparagraph (B), the term 'GDP implicit price
deflator' means the first revision of the implicit
price deflator for the gross domestic product as
computed and published by the Secretary of Commerce.
''(D) Rounding.--If any increase determined under
subparagraph (A) is not a multiple of $100, the
increase shall be rounded to the next lowest multiple
of $100.''.
(d) Certification of Compliance.--Section 206 of the Reclamation
Reform Act of 1982 (43 U.S.C. 390ff) is amended to read as follows:

''SEC. 206. CERTIFICATION OF COMPLIANCE.

''(a) In General.--As a condition to the receipt of irrigation
water for land in a district that has a contract described in section
203, each owner, lessee, or operator in the district shall furnish the
district, in a form prescribed by the Secretary, a certificate that the
owner, lessee, or operator is in compliance with this title, including
a statement of the number of acres owned, leased, or operated, the
terms of any lease or agreement pertaining to the operation of a farm
operation, and, in the case of a lessee or operator, a certification
that the rent or other fees paid reflect the reasonable value of the
irrigation water to the productivity of the land.
''(b) Documentation.-- The Secretary may require a lessee or
operator to submit for the Secretary's examination--
''(1) a complete copy of any lease or other agreement
executed by each of the parties to the lease or other
agreement; and
''(2) a copy of the return of income tax imposed by chapter
1 of the Internal Revenue Code of 1986 for any taxable year in
which the single farm operation of the lessee or operator
received irrigation water at less than full cost.''.
(e) Trusts.--Section 214 of the Reclamation Reform Act of 1982 (43
U.S.C. 390nn) is repealed.
(f) Administrative Provisions.--
(1) Penalties.--Section 224(c) of the Reclamation Reform
Act of 1982 (43 U.S.C. 390ww(c)) is amended--
(A) by striking ''(c) The Secretary'' and inserting
the following:
''(c) Regulations; Data Collection; Penalties.--
''(1) Regulations; data collection.--The Secretary''; and
(B) by adding at the end the following:
''(2) Penalties.--Notwithstanding any other provision of
law, the Secretary shall establish appropriate and effective
penalties for failure to comply with any provision of this Act
or any regulation issued under this Act.''.
(2) Interest.--Section 224(i) of the Reclamation Reform Act
of 1982 (43 U.S.C. 390ww(i)) is amended by striking the last
sentence and inserting the following: ''The interest rate
applicable to underpayments shall be equal to the rate
applicable to expenditures under section 202(3)(C).''.
(g) Reporting.--Section 228 of the Reclamation Reform Act of 1982
(43 U.S.C. 390zz) is amended by inserting ''operator or'' before
''contracting entity'' each place it appears.
(h) Memorandum of Understanding.--The Reclamation Reform Act of
1982 (43 U.S.C. 390aa et seq.) is amended--
(1) by redesignating sections 229 and 230 as sections 230
and 231; and
(2) by inserting after section 228 the following:

''SEC. 229. MEMORANDUM OF UNDERSTANDING.

''The Secretary, the Secretary of the Treasury, and the Secretary
of Agriculture shall enter into a memorandum of understanding or other
appropriate instrument to permit the Secretary, notwithstanding section
6103 of the Internal Revenue Code of 1986, to have access to and use of
available information collected or maintained by the Department of the
Treasury and the Department of Agriculture that would aid enforcement
of the ownership and pricing limitations of Federal reclamation law.''.

TITLE II--TERMINATION OF THE UNIFORMED SERVICES UNIVERSITY OF THE
HEALTH SCIENCES

SECTION 201. TERMINATION.

(a) In General.--The Uniformed Services University of the Health
Sciences is terminated.
(b) Conforming Amendments.--
(1) Chapter 104 of title 10, United States Code, is
repealed.
(2) The table of chapters at the beginning of subtitle A of
such title, and at the beginning of part III of such subtitle,
are each amended by striking out the item relating to chapter
104.
(c) Effective Dates.--
(1) Termination.--The termination of the Uniformed Services
University of the Health Sciences under subsection (a)(1) shall
take effect on the day after the date of the graduation from
the university of the last class of students that enrolled in
such university on or before the date of the enactment of this
Act.
(2) Amendments.--The amendments made by subsection (a)(2)
shall take effect on the date of the enactment of this Act,
except that the provisions of chapter 104 of title 10, United
States Code, as in effect on the day before such date, shall
continue to apply with respect to the Uniformed Services
University of the Health Sciences until the termination of the
university under this section.

TITLE III--TERMINATION OF PRODUCTION UNDER THE D5 SUBMARINE-LAUNCHED
MISSILE PROGRAM

SECTION 301. PRODUCTION TERMINATION.

(a) Termination of Program.--The Secretary of Defense shall
terminate production of D5 submarine-launched ballistic missiles under
the D5 submarine-launched ballistic missile program.
(b) Payment of Termination Costs.--Funds available on or after the
date of the enactment of this Act for obligation for the D5 submarine-
launched ballistic missile program may be obligated for production
under that program only for payment of the costs associated with the
termination of production under this Act.

SEC. 302. CURRENT PROGRAM ACTIVITIES.

Nothing in this legislation shall be construed to prohibit or
otherwise affect the availability of funds for the following:
(1) Production of D5 submarine-launched ballistic missiles
in production on the date of the enactment of this Act.
(2) Maintenance after the date of the enactment of this Act
of the arsenal of D5 submarine-launched ballistic missiles in
existence on such date, including the missiles described in
paragraph (1).
Example Output: Deficit Reduction Act of 2003 - Irrigation Subsidy Reduction Act of 2001 (sic) - Amends the Reclamation Reform Act of 1982 to direct the Secretary of the Interior, for each parcel of land to which irrigation water is delivered or proposed to be delivered, to identify a single individual or legal entity as the owner, lessee, or operator.Allows irrigation water to be delivered at less than the normal per-acre cost to either: (1) a qualified recipient that reports gross farm income from a single farm operation in excess of $500,000 per taxable year; or (2) a limited recipient that received such water on or before October 1, 1981, and that reports gross farm income in excess of such amount.Requires lessees (currently, only owners and operators) of an irrigation district to furnish such district a certification of compliance with the Act. Allows the Secretary to require a lessee or operator to submit for examination a copy of a tax return for any taxable year in which the single farm operation of the lessee or operator received irrigation water at less than full cost.Repeals a provision exempting from Federal reclamation ownership and cost pricing limitations district lands held in trust for a beneficiary or beneficiaries whose interests in the lands served do not exceed such limitations.Directs the Secretaries of the Interior, the Treasury, and Agriculture to enter into a memorandum of understanding to permit the Secretary of the Interior to have access to and use available information collected or maintained by either the Department of the Treasury or Agriculture that would aid in enforcement of the ownership and pricing limitations of Federal reclamation law.Terminates the Uniformed Services University of Health Science.Requires the Secretary of Defense to terminate production of D5 submarine-launched ballistic missiles under the D5 submarine-launched ballistic missile program.

Example Input: SECTION 1. SHORT TITLE.

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

SEC. 2. COMMUNITY SUPPORT OBLIGATIONS OF MORTGAGE BANKS.

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

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

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

SEC. 4. MORTGAGE BANK COMMUNITY SUPPORT STATEMENTS.

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

SEC. 5. MORTGAGE BANK COMMUNITY SUPPORT EVALUATION.

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

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

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

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

(a) In General.--Each mortgage insurance company shall--
(1) report to the Office the number and total dollar amount
of each mortgage insurance policy written by the company, by
census tract, the race, gender, and income of applicants for
mortgage insurance, and the disposition of each application for
mortgage insurance;
(2) demonstrate to the Secretary adequate support for
community credit needs; and
(3) make public to any person the underwriting criteria for
any mortgage insurance the company offers.
(b) 2-Year Reporting Requirement.--At least once during each 2-year
period beginning after the date of enactment of this Act, each mortgage
insurance company shall submit a report to the Office containing the
following information:
(1) Adequacy of availability of mortgage insurance.--The
extent to which adequate mortgage insurance is available in
low- and moderate-income and minority neighborhoods within
areas in which the company writes a significant number of
mortgage insurance policies.
(2) Underwriting guidelines.--The extent to which
underwriting guidelines used by the company do not unreasonably
restrict access to low- and moderate-income families within
areas in which the company writes a significant number of
mortgage insurance policies.
(c) Duties of the Office.--The Office shall conduct biennial
community support reviews of mortgage insurance companies including
analysis of the following:
(1) The data collected by the Agency on the distribution of
the mortgage insurance company's policies by census tract and
data on the disparate treatment of applicants for mortgage
insurance based on the applicants' race, gender, and income.
(2) The underwriting criteria employed by the company and
the extent to which such criteria do not unreasonably restrict
access to credit for low- and moderate-income and minority
persons or neighborhoods.
(3) Community support statements received from the mortgage
insurance company.
(4) Any other information the Secretary may require
mortgage insurance companies to submit.
(5) Any comments received from the public on the community
support performance of the mortgage insurance company during
the period covered by the review under this paragraph.
(d) Duties of the Secretary.--The Secretary shall--
(1) solicit and accept public comment for no fewer than 90
days before issuing a finding in connection with the review of
a mortgage insurance company under subsection (c)(2); and
(2) review the community support performance of each
mortgage insurance company and determine whether the company is
providing an adequate level of community support in the areas
in which such company writes a significant number of mortgage
insurance policies.
(e) Performance Statement.--If, after reviewing any evidence, the
Secretary concludes that a mortgage insurance company is not meeting
the requirements of this section, the Secretary may require such
company to submit a statement indicating how the company expects to
improve its record of providing community support.
Example Output: Mortgage Fairness Act - Requires each mortgage bank to meet the credit needs of all communities in which it makes a significant number of extensions of credit or extends a significant amount of credit, including extensions of credit in low- and moderate-income communities.
(Sec. 3) Directs the Secretary of Housing and Urban Development (HUD) to establish within HUD the Office of Mortgage Bank and Insurance Supervision.
(Sec. 4) Directs the Office, on a biennial basis, to require each mortgage bank to submit to it a community support statement detailing the bank's efforts at meeting the housing credit needs of the above- referenced communities.
(Sec. 5) Directs the Office to determine whether a mortgage bank is maintaining an adequate community support performance based on specified criteria.
(Sec. 6) Sets forth certain penalties against a mortgage bank that has been found to be maintaining an inadequate level of community support.
(Sec. 7) Requires each mortgage insurance company to: (1) report to the Office the total number and total dollar amount of each mortgage insurance policy written by it, by census tract, the race, gender, and income of applicants for mortgage insurance, and the disposition of each application for such insurance; (2) demonstrate to the Secretary adequate support for community credit needs; and (3) make public to any person the underwriting criteria for any mortgage insurance the company offers.
Requires the Office to conduct biennial community support reviews of mortgage insurance companies. Authorizes the Secretary to require a mortgage insurance company to submit a statement indicating how it expects to improve its record of providing community support whenever the Secretary concludes that such company is not meeting the requirements of this section.

Example Input: SECTION 1. SHORT TITLE.

This Act may be cited as the ''Satellite Access to Local Stations
Act''.

SEC. 2. LIMITATIONS ON EXCLUSIVE RIGHTS; SECONDARY TRANSMISSIONS BY
SATELLITE CARRIERS WITHIN LOCAL MARKETS.

(a) In General.--Chapter 1 of title 17, United States Code, is
amended by adding after section 121 the following new section:
''Sec. 122. Limitations on exclusive rights; secondary transmissions by
satellite carriers within local markets
''(a) Secondary Transmissions of Television Broadcast Stations by
Satellite Carriers.--A secondary transmission of a primary transmission
of a television broadcast station into the station's local market shall
be subject to statutory licensing under this section if--
''(1) the secondary transmission is made by a satellite
carrier to the public;
''(2) the secondary transmission is permissible under the
rules, regulations, or authorizations of the Federal
Communications Commission; and
''(3) the satellite carrier makes a direct or indirect
charge for the secondary transmission to--
''(A) each subscriber receiving the secondary
transmission; or
''(B) a distributor that has contracted with the
satellite carrier for direct or indirect delivery of
the secondary transmission to the public.
''(b) Reporting Requirements.--A satellite carrier whose secondary
transmissions are subject to statutory licensing under subsection (a)
shall, on a semiannual basis, submit to the Register of Copyrights, in
accordance with requirements that the Register shall prescribe by
regulation, a statement of account, covering the preceding 6-month
period, specifying--
''(1) the names and locations of all television broadcast
stations whose signals were secondarily transmitted within the
local markets of those stations at any time during that period;
and
''(2) the total number of, and addresses provided by, all
subscribers receiving those secondary transmissions.
''(c) No Royalty Fee Required.--A satellite carrier whose secondary
transmissions are subject to statutory licensing under subsection (a)
shall have no royalty obligation for such secondary transmissions.
''(d) Noncompliance With Reporting Requirements.--Notwithstanding
subsection (a), the willful or repeated secondary transmission to the
public by a satellite carrier of a television broadcast station and
embodying a performance or display of a work is actionable as an act of
infringement under section 501, and is fully subject to the remedies
provided under sections 502 through 506 and 509, if the satellite
carrier has not submitted the statement of account required under
subsection (b).
''(e) Definitions.--As used in this section--
''(1) Distributor.--The term 'distributor' means an entity
that contracts to distribute secondary transmissions from a
satellite carrier and, either as a single channel or in a
package with other programming, provides the secondary
transmission either directly to subscribers or indirectly
through other program distribution entities.
''(2) Local market.--The 'local market' of a television
broadcast station has the meaning given that term in section
337(g) of the Communications Act of 1934.
''(3) Television broadcast station.--The term 'television
broadcast station' means an over-the-air, commercial, or
noncommercial television broadcast station licensed by the
Federal Communications Commission under subpart E of part 73 of
title 47, Code of Federal Regulations.
''(4) Subscriber.--The term 'subscriber' means a person or
entity that receives a secondary transmission service by means
of a secondary transmission from a satellite and pays a fee for the
service, directly or indirectly, to the satellite carrier or to a
distributor.
''(5) Other terms.--The terms 'satellite carrier' and
'secondary transmission' have the meanings given such terms
under section 119(d).''.
(b) Technical and Conforming Amendments.--The table of sections for
chapter 1 of title 17, United States Code, is amended by adding after
the item relating to section 121 the following:

''122. Limitations on exclusive rights; secondary transmissions by
satellite carriers within local markets.''.

SEC. 3. RETRANSMISSION CONSENT.

Section 325(b) of the Communications Act of 1934 (47 U.S.C. 325(b))
is amended--
(1) by striking ''(b)(1)'' and all that follows through the
end of paragraph (1) and inserting the following:
''(b)(1) No cable system or other multichannel video programming
distributor shall retransmit the signal of a broadcasting station, or
any part thereof, except--
''(A) with the express authority of the station;
''(B) pursuant to section 614, in the case of a station
electing, in accordance with this subsection, to assert the
right to carriage under such section; or
''(C) pursuant to section 337, in the case of a station
electing, in accordance with this subsection, to assert the
right to carriage under such section.''; and
(3) in paragraph (3), by adding at the end the following:
''(C) Within 45 days after the effective date of the Satellite
Access to Local Stations Act, the Commission shall commence a
rulemaking proceeding to revise the regulations governing the exercise
by television broadcast stations of the right to grant retransmission
consent under this subsection. Such regulations shall establish
election time periods that correspond with those regulations adopted
under subparagraph (B). The rulemaking shall be completed within 180
days after the effective date of the Satellite Access to Local Stations
Act.''.

SEC. 4. MUST-CARRY FOR SATELLITE CARRIERS RETRANSMITTING TELEVISION
BROADCAST SIGNALS.

Title III of the Communications Act of 1934 is amended by inserting
after section 336 the following new section:

''SEC. 337. CARRIAGE OF LOCAL TELEVISION SIGNALS BY SATELLITE CARRIERS.

''(a) Carriage Obligations.--Each satellite carrier providing
secondary transmissions of a television broadcast station to
subscribers located within the local market of such station shall offer
to carry all television broadcast stations located within that local
market, subject to section 325(b), except that the carriage obligations
of this section shall not apply to satellite carriers that do not
retransmit the signals of broadcast television stations pursuant to the
statutory license under section 122 of title 17, United States Code.
Carriage of additional television broadcast stations within the local
market shall be at the discretion of the satellite carrier, subject to
section 325(b).
''(b) Duplication Not Required.--Notwithstanding subsection (a), a
satellite carrier shall not be required to offer to carry the signal of
any local television broadcast station that substantially duplicates
the signal of another local television broadcast station which is
secondarily transmitted by the satellite carrier, or to offer to carry
the signals of more that one local television broadcast station
affiliated with a particular broadcast network (as the term is defined
by regulation).
''(c) Carriage of All Local Television Stations on Contiguous
Channels.--All local television broadcast stations retransmitted by a
satellite carrier to subscribers in the stations' local markets shall
be made available to subscribers in their local markets on contiguous
channels and in a nondiscriminatory manner on any navigational device,
on-screen program guide, or menu.
''(d) Compensation for Carriage.--A satellite carrier shall not
accept or request monetary payment or other valuable consideration in
exchange either for carriage of local television broadcast stations in
accordance with the requirements of this section or for channel
positioning rights provided to such stations under this section, except
that any such station may be required to bear the costs associated with
delivering a good quality signal to the principal headend of the
satellite carrier. No station carried in accordance with the
requirements of this section shall be required to bear the costs of
delivering a good quality signal to a location other than the principal
headend of the satellite carrier.
''(e) Remedies.--
''(1) Complaints by broadcast stations.--Whenever a local
television broadcast station believes that a satellite carrier
has failed to meet its obligations under this section, such
station shall notify the carrier, in writing, of the alleged
failure and identify its reasons for believing that the
satellite carrier is obligated to offer to carry the signal of
such station or has otherwise failed to comply with other
requirements of this section. The satellite carrier shall, within 30
days after such written notification, respond in writing to such
notification and either begin carrying the signal of such station in
accordance with the terms requested or state its reasons for believing
that it is not obligated to carry such signal or is in compliance with
other requirements of this section. A local television broadcast
station that is denied carriage in accordance with this section by a
satellite carrier may obtain review of such denial by filing a
complaint with the Commission. Such complaint shall allege the manner
in which such satellite carrier has failed to meet its obligations and
the basis for such allegations. A failure by a satellite carrier to
carry a local television broadcast station within its local market if
there has been a change in that station's local market, or to carry a
local broadcast television station that is significantly viewed outside
its local market due to technical limitations of that satellite
carrier's existing facilities, shall not constitute a failure by the
satellite carrier to comply with its obligations under this section.
''(2) Opportunity to respond.--The Commission shall afford
such satellite carrier an opportunity to present data and
arguments to establish that there has been no failure to meet
its obligations under this section.
''(3) Remedial actions; dismissal.--Within 120 days after
the date a complaint is filed, the Commission shall determine
whether the satellite carrier has met its obligations under
this section. If the Commission determines that the satellite
carrier has failed to meet such obligations, the Commission
shall order the satellite carrier, in the case of an obligation
to carry a station, to begin carriage of the station and to
continue such carriage for at least 12 months. If the
Commission determines that the satellite carrier has fully met
the requirements of this section, it shall dismiss the
complaint.
''(f) Regulations by Commission.--Within 180 days after the
effective date of this section, the Commission shall, following a
rulemaking proceeding, issue regulations implementing the requirements
imposed by this section.
''(g) Definitions.--As used in this section:
''(1) Television broadcast station.--The term 'television
broadcast station' means a full-power television broadcast
station, and does not include a low-power or translator
television broadcast station.
''(2) Local market.--The term 'local market' means the
designated market area in which a station is located and--
''(A) for a commercial television broadcast station
located in any of the 150 largest designated market
areas, all commercial television broadcast stations
licensed to a community within the same designated
market area are within the same local market;
''(B) for a commercial television broadcast station
that is located in a designated market area that is not
one of the 150 largest, the local market includes all
commercial television broadcast stations licensed to a
community within the same designated market area, and
may also include any station that is significantly
viewed, as such term is defined in section 76.54 of the
title 47, Code of Federal Regulations; and
''(C) for a noncommercial educational television
broadcast station, the local market includes any
station that is licensed to a community within the same
designated market area as the noncommercial educational
television broadcast station.
''(3) Designated market area.--The term 'designated market
area' means a designated market area, as determined by the
Nielsen Media Research and published in the DMA Market and
Demographic Report.
''(4) Principal headend of the satellite carrier.--The term
'principal headend of the satellite carrier' means the
reception point in the local market of a broadcast television
station or in a market contiguous to the local market of a
broadcast television station at which the satellite carrier
initially receives the signal of the station for purposes of
transmission of such signals to the facility which uplinks the
signals to the carrier's satellites for secondary transmission
to the satellite carrier's subscribers.
''(5) Secondary transmission.--The term 'secondary
transmission' has the meaning given that term in section 119(d)
of title 17, United States Code.''.

SEC. 5. EFFECTIVE DATE.

This Act and the amendments made by this Act shall take effect on
January 1, 1999.
Example Output:
Satellite Access to Local Stations Act - Amends Federal copyright law to cite circumstances under which the secondary transmission by a satellite carrier of a primary transmission of a television broadcast station into the station's local market shall be subject to statutory licensing. Sets forth reporting requirements for a satellite carrier whose secondary transmissions are subject to such licensing requirements.
Precludes any royalty obligation for such secondary transmissions. States that noncompliance with such reporting requirements by a satellite carrier of a television broadcast station is actionable as an act of infringement and fully subject to copyright remedies.
Amends the Communications Act of 1934 regarding the retransmission of broadcasting station signals. Prohibits cable systems and other multichannel video programming distributors from retransmitting a broadcasting station's signal without the station's express consent. Directs the Federal Communications Commission to commence a rulemaking proceeding to revise regulations governing the exercise by television broadcast stations of the right to grant retransmission consent.
Prescribes requirements for the carriage of local television signals by satellite carriers, including: (1) carriage obligations; (2) carriage of all local television stations on contiguous channels and in a nondiscriminatory manner on any navigational device, on-screen guide, or menu; (3) compensation for carriage; and (4) remedies for failure to meet obligations.