TASK DEFINITION: In this task, you are given text for US Congressional and California state bills, your task is to generate a summary for this bill.
PROBLEM: SECTION 1. SHORT TITLE.

This Act may be cited as the ''Freedom and Mobility in Consumer
Banking Act''.

SEC. 2. FEDERAL DEPOSIT INSURANCE ACT AMENDMENTS.

The Federal Deposit Insurance Act (12 U.S.C. 1811 et seq.) is
amended by adding at the end the following new section:

''SEC. 51. RIGHT TO CLOSE PERSONAL CHECKING AND SAVINGS ACCOUNTS.

''(a) In General.--An insured depository institution may not--
''(1) prohibit any person from closing a checking or
savings account, regardless of whether the balance in the
account is positive, zero, or negative; or
''(2) charge any fee to close any such account.
''(b) Time Limit.--An account at any insured depository institution
shall be closed by the institution not later than 48 hours after
receiving a request from the customer to close the account.
''(c) Methods of Requesting Closure of an Account.--
''(1) In general.--Any accountholder of an account at an
insured depository institution may request that the account be
closed in person, over the phone, or by other electronic or
remote means, as may be prescribed by regulation.
''(2) Exception for large accounts.--Notwithstanding
paragraph (1), any insured depository institution may require
an accountholder of an account which has an outstanding balance
of $25,000 or more on deposit at the depository institution to
close the account in person, to the extent the depository
institution has provided written notice of such requirement to
the account holder at any time prior to receiving a request
from the accountholder to close the account.
''(d) Repayment of Balances.--
''(1) In general.--Any balance in an account at an insured
depository institution that is closed by the institution
pursuant to a request by the accountholder shall repaid to the
accountholder in accordance with the following requirements:
''(A) In person.--If the request is made in person,
the total amount of funds on deposit in the account
shall be paid to the accountholder at the time the
request is made at the consumer's option and without a
fee, by certified check provided to the consumer at the
time of the request, by electronic fund transfer
executed on that business day to an account designated
by the consumer, or by any other means offered by the
financial institution if requested by the consumer.
''(B) Request made by other means.--If the request
is made over the phone, or by other electronic or
remote means, the total amount of funds on deposit in
the account shall promptly be remitted by the
institution to the accountholder at the consumer's
option and without a fee, by certified check issued on
the business day on which the request is received, by
electronic fund transfer executed on that business day
to an account designated by the consumer, or by any
other means offered by the financial institution if
requested by the consumer.
''(2) Time limit.--In any case, the payment by an insured
depository institution of the total amount of funds on deposit
in an account at the institution which the accountholder has
requested be closed shall be remitted to the accountholder
before the end of the 3 business day period beginning when the
accountholder submits such request.
''(e) Prohibition on Any Fees or Charges After Request To Close.--
No insured depository institution may impose any fees or charges on any
deposit account at such institution after receiving a request in
accordance with subsection (c) to close the account.
''(f) Prohibition on Reopening Account To Make Subsequent
Payment.--No insured depository institution may reopen an account that
the consumer has requested be closed in accordance with subsection (c)
to apply subsequent debits, whether preauthorized or otherwise, or for
any other reason, unless the consumer expressly requests that such
account be reopened.
''(g) Notice of Subsequent Preauthorized Recurring Debits.--During
the 30-day period beginning on the date an account at an insured
depository institution is closed pursuant to a request by the
accountholder, the insured depository institution shall promptly notify
the customer if a preauthorized recurring debit is directed to the
account.
''(h) Limitation on Reporting.--
''(1) Negative balance resulting from fees.--If, at the
time any account at an insured depository institution is
closed, the account has a negative balance resulting solely
from any fee assessed by the depository institution, the
insured depository institution may not report the fact of the
outstanding balance or any other adverse information with
respect to such account to any consumer reporting agency
described in section 603(f) of the Fair Credit Reporting Act if
such information could be used to adversely affect the
consumer's ability to open a transaction account at another
depository institution.
''(2) Treatment of negative balance resulting from
overdrafts.--If such information could be used to adversely
affect the consumer's ability to open a transaction account at
another depository institution, an insured depository
institution shall not report to any consumer reporting agency
(as defined in section 603 of the Fair Credit Reporting Act)
that an account had a negative balance at the time of the
closure of the account unless all of the following conditions
are met:
''(A) Only if the negative balance is the result of
funds actually paid by the depository institution to a
third party.
''(B) Only for the amount it actually paid to the
third party and not for any fees associated with the
transaction.
''(C) Only to the extent the negative balance is
the result of credit extended through an overdraft line
of credit program where the fee or charge incurred in
connection with the overdraft is considered a finance
charge under the Truth In Lending Act.
''(3) Notice and opportunity for repayment of overdraft.--
If an account of an accountholder at an insured depository
institution has a negative balance at the time the account is
closed, the insured depository institution--
''(A) shall promptly notify the accountholder of
the fact of the negative balance and the amount due;
and
''(B) may, after the end of the 30-day period
beginning on the date notice is provided to an
accountholder under subparagraph (A)--
''(i) report the fact of the outstanding
balance or any other adverse information with
respect to such account to any consumer
reporting agency, subject to the limitations in
paragraph (2); and
''(ii) take any other collection activity
with respect to such outstanding balance.
''(i) Transfer of Direct Deposit Received After Notice of Closure
and Payment.--If--
''(1) during the 30-day period beginning after any balance
in an account at an insured depository institution that is
closed by the institution pursuant to a request by the
accountholder has been repaid to the accountholder, a
previously scheduled amount intended for direct deposit into
such account is received by such institution, and
''(2) before the time such amount is received, the consumer
provides the insured depository institution with an account
number and insured depository institution routing number for a
successor transaction or savings account at another insured
depository institution,
the insured depository institution which receives such amount shall
transfer such amount, without a fee and by electronic fund transfer, to
the insured depository institution identified by the former
accountholder for deposit in the transaction or savings account
identified by such former accountholder.
''(j) Regulations.--The Federal banking agencies shall jointly
prescribe regulations to carry out the purposes of this section.''.

SOLUTION: Freedom and Mobility in Consumer Banking Act - Amends the Federal Deposit Insurance Act (FDIA) to prohibit an insured depository institution from: (1) prohibiting any person from closing a checking or savings account, regardless of its balance; or (2) charging a fee to close such an account.

Requires a depository institution to close an account within 48 hours after receiving a request from the customer to do so.

Permits an account holder to request that the account be closed in person, over the phone, or by other electronic or remote means, as may be prescribed by regulation.

Sets forth financial institution procedures for closing large accounts and repaying balances, as well as notice and opportunity for accountholder repayment of overdrafts.

Prohibits a depository institution from: (1) imposing fees or charges after receiving a request to close an account, or (2) reopening an account without express account holder request.

PROBLEM: SECTION 1. SHORT TITLE.

This Act may be cited as the ''Residential Energy Savings Act of
2013''.

SEC. 2. STATE RESIDENTIAL BUILDING ENERGY EFFICIENCY UPGRADES LOAN
PILOT PROGRAM.

(a) Loans for Residential Building Energy Efficiency Upgrades.--
Part D of title III of the Energy Policy and Conservation Act (42
U.S.C. 6321 et seq.) is amended by adding at the end the following:

''SEC. 367. LOANS FOR RESIDENTIAL BUILDING ENERGY EFFICIENCY UPGRADES.

''(a) Definitions.--In this section:
''(1) Consumer-friendly loan repayment approach.--The term
'consumer-friendly loan repayment approach' means a loan
repayment method that--
''(A) emphasizes convenience for customers;
''(B) is of low cost to consumers; and
''(C) may tie loan repayment to an existing bill of
the consumer.
''(2) Eligible entity.--The term 'eligible entity' means--
''(A) a State or territory of the United States;
and
''(B) an Indian tribal government.
''(3) Energy advisor program.--
''(A) In general.--The term 'energy advisor
program' means any program to provide to homeowners or
residents advice, information, and support in the
identification, prioritization, and implementation of
energy efficiency and energy savings measures.
''(B) Inclusions.--The term 'energy advisor
program' includes a program that provides--
''(i) interpretation of energy audit
reports;
''(ii) assistance in the prioritization of
improvements;
''(iii) assistance in finding qualified
contractors;
''(iv) assistance in contractor bid
reviews;
''(v) education on energy conservation,
renewable energy, and energy efficiency;
''(vi) explanations of available incentives
and tax credits;
''(vii) assistance in completion of rebate
and incentive paperwork; and
''(viii) any other similar type of support.
''(4) Energy efficiency.--The term 'energy efficiency'
means a reduction in energy use, including thermal energy for
heating.
''(5) Energy efficiency upgrade.--
''(A) In general.--The term 'energy efficiency
upgrade' means any project or activity carried out on a
residential building to increase energy efficiency.
''(B) Inclusions.--The term 'energy efficiency
upgrade' includes the installation or improvement of
renewable energy for heating or electricity generation
serving a residential building carried out in
conjunction with an energy efficiency project or
activity.
''(6) Residential building.--
''(A) In general.--The term 'residential building'
means a building used for residential purposes.
''(B) Inclusions.--The term 'residential building'
includes--
''(i) a single-family residence;
''(ii) a multifamily residence composed not
more than 4 units; and
''(iii) a mixed-use building that includes
not more than 4 residential units.
''(b) Establishment of Program.--
''(1) In general.--The Secretary shall establish a program
under this part under which the Secretary shall make available
to eligible entities loans for the purpose of establishing or
expanding programs that provide to residential property owners
or tenants financing for energy efficiency upgrades of
residential buildings.
''(2) No requirement to participate.--No eligible entity
shall be required to participate in any manner in the program
established under paragraph (1).
''(c) Applications.--
''(1) In general.--To be eligible to receive a loan under
this section, an eligible entity shall submit to the Secretary
an application at such time, in such manner, and containing
such information as the Secretary may require.
''(2) Selection.--In selecting eligible entities to receive
loans under this section, the Secretary shall--
''(A) to the maximum extent practicable, ensure--
''(i) that both innovative and established
approaches to the challenges of financing
energy efficiency upgrades are supported;
''(ii) regional diversity among recipients,
including participation by rural States and
small States; and
''(iii) significant participation by low-
and medium-income families;
''(B) evaluate applications based primarily on--
''(i) the projected reduction in energy
use;
''(ii) the extent to which Federal funds
are used to leverage additional funding from
State, local, philanthropic, private sector,
and other sources;
''(iii) the creditworthiness of the
eligible entity; and
''(iv) the incorporation of measures, such
as on-bill repayment, for making the loan
repayment system for recipients of financing as
consumer-friendly as practicable; and
''(C) evaluate applications based secondarily on--
''(i) the extent to which the proposed
financing program of the eligible entity
incorporates best practices for such a program,
as determined by the Secretary;
''(ii) whether the eligible entity has
created a plan for evaluating the effectiveness
of the proposed financing program;
''(iii) the extent to which the proposed
financing program incorporates energy advisor
programs and support programs designed to
increase the effectiveness of the program;
''(iv) the projected quantity of renewable
energy to be generated, to the extent that
renewable energy generation will be included;
''(v) the extent to which the proposed
financing program will be coordinated and
marketed with other existing or planned energy
efficiency programs administered by--
''(I) utilities;
''(II) State, tribal, territorial,
or local governments; or
''(III) community development
financial institutions; and
''(vi) such other factors as the Secretary
determines to be appropriate.
''(d) Term; Interest.--
''(1) In general.--The Secretary shall establish terms and
interest rates for loans provided to eligible entities under
this section in a manner that--
''(A) provides for a high degree of cost recovery;
and
''(B) ensures that the loans are competitive with,
or superior to, other forms of financing for similar
purposes.
''(2) Performance incentive.--The Secretary shall establish
a performance incentive providing a repayment discount for
eligible entities in an amount equal to not more than the value
of the interest accrued on the loan provided to the applicable
eligible entity under this section, based on performance as
evaluated in accordance with the factors described in
subparagraphs (B) and (C) of subsection (c)(2).
''(e) Use of Funds.--
''(1) In general.--An eligible entity shall use a loan
provided under this section to establish or expand a financing
program--
''(A) the purpose of which is to enable residential
building owners or tenants to conduct energy efficiency
upgrades of residential buildings;
''(B) that may not require any initial capital,
excluding fees; and
''(C) that incorporates a consumer-friendly loan
repayment approach.
''(2) Structure of financing program.--The financing
program of an eligible entity may--
''(A) consist--
''(i) primarily or entirely of a financing
program administered by--
''(I) the applicable State; or
''(II) a local government, utility,
or other entity; or
''(ii) of a combination of programs
described in clause (i); and
''(B) rely on financing provided by--
''(i) the eligible entity; or
''(ii) a third party, acting through the
eligible entity.
''(3) Form of assistance.--Assistance provided by an
eligible entity under this subsection may be in the form of--
''(A) a revolving loan fund;
''(B) a credit enhancement structure designed to
mitigate the effects of default; or
''(C) a program that--
''(i) adopts any other approach for
providing financing for energy efficiency
upgrades producing significant energy
efficiency gains;
''(ii) produces a high-leverage ratio of
non-Federal funds; and
''(iii) incorporates measures for making
the loan repayment system for recipients of
financing as consumer-friendly as practicable.
''(4) Scope of assistance.--Assistance provided by an
eligible entity under this subsection may be used to pay for
costs associated with carrying out an energy efficiency
upgrade, including materials and labor.
''(f) Repayment.--An eligible entity shall repay to the Secretary
the amount of a loan provided under this section, together with--
''(1) interest accrued on that amount; and
''(2) such fees as the Secretary determines to be necessary
to recover any portion of the costs of the program under this
section.
''(g) Reports.--
''(1) Eligible entities.--
''(A) In general.--Not later than 2 years after the
date of receipt of the loan, and annually thereafter
for the term of the loan, an eligible entity that
receives a loan under this section shall submit to the
Secretary a report describing the performance of each
program and activity carried out using the loan,
including anonymized loan performance data.
''(B) Requirements.--The Secretary, in consultation
with eligible entities and other stakeholders (such as
lending institutions and the real estate industry),
shall establish such requirements for the reports under
this paragraph as the Secretary determines to be
appropriate--
''(i) to ensure that the reports are clear,
consistent, and straightforward; and
''(ii) taking into account the reporting
requirements for similar programs in which the
eligible entities are participating, if any.
''(2) Secretary.--The Secretary shall submit to Congress
and make available to the public--
''(A) not less frequently than once each year, a
report describing the performance of the program under
this section, including a synthesis and analysis of the
information provided in the reports submitted to the
Secretary under paragraph (1)(A); and
''(B) on termination of the program under this
section, an assessment of the success of, and education
provided by, the measures carried out by eligible
entities during the term of the program.
''(h) Maximum Amount.--The Secretary may provide to eligible
entities a total of not more than $2,000,000,000 in loans under this
section for the costs of activities described in subsection (e).''.
(b) Reorganization.--
(1) In general.--Part D of title III of the Energy Policy
and Conservation Act (42 U.S.C. 6321 et seq.) is amended--
(A) by redesignating sections 362, 363, 364, 365,
and 366 as sections 364, 365, 366, 363, and 362,
respectively, and moving the sections so as to appear
in numerical order;
(B) in section 362 (as so redesignated)--
(i) in paragraph (3)(B)(i), by striking
''section 367, and'' and inserting ''section
367 (as in effect on the day before the date of
enactment of the State Energy Efficiency
Programs Improvement Act of 1990 (42 U.S.C.
6201 note; Public Law 101-440)); and''; and
(ii) in each of paragraphs (4) and (6), by
striking ''section 365(e)(1)'' each place it
appears and inserting ''section 363(e)(1)'';
(C) in section 363 (as so redesignated)--
(i) in subsection (b), by striking ''the
provisions of sections 362 and 364 and
subsection (a) of section 363'' and inserting
''sections 364, 365(a), and 366''; and
(ii) in subsection (g)(1)(A), in the second
sentence, by striking ''section 362'' and
inserting ''section 364''; and
(D) in section 365 (as so redesignated)--
(i) in subsection (a)--
(I) in paragraph (1), by striking
''section 362,'' and inserting
''section 364;''; and
(II) in paragraph (2), by striking
''section 362(b) or (e)'' and inserting
''subsection (b) or (e) of section
364''; and
(ii) in subsection (b)(2), in the matter
preceding subparagraph (A), by striking
''section 362(b) or (e)'' and inserting
''subsection (b) or (e) of section 364''.
(2) Conforming amendments.--Section 391 of the Energy
Policy and Conservation Act (42 U.S.C. 6371) is amended--
(A) in paragraph (2)(M), by striking ''section
365(e)(2)'' and inserting ''section 363(e)(2)''; and
(B) in paragraph (10), by striking ''section 362 of
this Act'' and inserting ''section 364''.
(3) Clerical amendment.--The table of contents of the
Energy Policy and Conservation Act (42 U.S.C. 6201 note; Public
Law 94-163) is amended by striking the items relating to part D
of title III and inserting the following:

''Part D--State Energy Conservation Programs

''Sec. 361. Findings and purpose.
''Sec. 362. Definitions.
''Sec. 363. General provisions.
''Sec. 364. State energy conservation plans.
''Sec. 365. Federal assistance to States.
''Sec. 366. State energy efficiency goals.
''Sec. 367. Loans for residential building energy efficiency
upgrades.''.

SEC. 3. FUNDING.

(a) Budgetary Effects.--The budgetary effects of this Act, for the
purpose of complying with the Statutory Pay-As-You-Go Act of 2010,
shall be determined by reference to the latest statement titled
''Budgetary Effects of PAYGO Legislation'' for this Act, submitted for
printing in the Congressional Record by the Chairman of the Senate
Budget Committee, provided that such statement has been submitted prior
to the vote on passage.
(b) Advance Appropriations Required.--An authorization of
appropriations under this Act or an amendment made by this Act shall be
effective for a fiscal year only to the extent and in the amounts
provided in advance in appropriations Acts.

SOLUTION: Residential Energy Savings Act of 2013 - Amends the Energy Policy and Conservation Act to require the Secretary of Energy (DOE) to establish a voluntary loan program to provide support to states, U.S. territories, and Indian tribal governments (eligible entities) in establishing or expanding programs that provide to residential property owners or tenants financing for energy efficiency upgrades of residential buildings. Authorizes assistance provided by eligible entities to be in the form of a: (1) revolving loan fund; (2) credit enhancement structure designed to mitigate the effects of default; or (3) program that adopts other approaches for providing financing for upgrades producing significant energy efficiency gains, produces a high-leverage ratio of non-federal funds, and incorporates measures for making the loan repayment system for recipients of financing consumer-friendly. Requires the Secretary to establish a performance incentive providing a repayment discount in an amount equal to no more than the value of the interest accrued on the loan provided, based on performance as evaluated in accordance with specified factors. Makes an authorization of appropriations under this Act effective for a fiscal year only to the extent and in the amounts provided in advance in appropriations Acts.

PROBLEM: SECTION 1. SHORT TITLE.

This Act may be cited as the ''High-Need Physician Workforce
Incentives Act of 2007''.

SEC. 2. HIGH-NEED PHYSICIAN SPECIALTY WORKFORCE INCENTIVES.

Page E of title VII of the Public Health Service Act (42 U.S.C.
294n et seq.) is amended by adding at the end the following:

''Subpart 3--High-Need Physician Specialty Workforce Incentives

''SEC. 775. SCHOLARSHIP PROGRAM.

''(a) Purpose.--The purpose of this section is to alleviate
critical shortages of physicians in the fields of family practice,
internal medicine, pediatrics, emergency medicine, general surgery, and
obstetrics-gynecology.
''(b) Grants.--The Secretary, acting through the Administrator of
the Health Resources and Services Administration, shall make grants to
critical shortage health facilities to carry out a scholarship program
described in this section.
''(c) Scholarships.--A health facility receiving a grant under this
section shall use the grant to enter into contracts with eligible
individuals under which--
''(1) the facility agrees to provide the individual with a
scholarship for each school year (not to exceed 4 school years)
in which the individual is enrolled as a full-time student in a
school of medicine or a school of osteopathic medicine; and
''(2) the individual agrees--
''(A) to maintain an acceptable level of academic
standing;
''(B) to complete a residency in the field of
family practice, internal medicine, pediatrics,
emergency medicine, general surgery, or obstetrics-
gynecology; and
''(C) after completing the residency, to serve as a
physician at such facility in such field for a time
period equal to the greater of--
''(i) one year for each school year for
which the individual was provided a scholarship
under this section; or
''(ii) two years.
''(d) Amount of Scholarship.--
''(1) In general.--The amount paid by a health facility to
an individual through a scholarship under this section shall
not exceed $30,000 for any school year.
''(2) Considerations.--In determining the amount of a
scholarship to be provided to an individual under this section,
a health facility may take into consideration the individual's
financial need, geographic differences, and educational costs.
''(3) Exclusion from gross income.--For purposes of the
Internal Revenue Code of 1986, gross income shall not include
any amount received as a scholarship under this section.
''(e) Application of Certain Provisions.--The provisions of subpart
III of part D of title III shall, except as inconsistent with this
section, apply to the program established under this section in the
same manner and to the same extent as such provisions apply to the
National Health Service Corps Scholarship Program established in such
subpart.
''(f) Definitions.--In this subsection:
''(1) The term 'critical shortage health facility' means a
public or private nonprofit health facility that does not serve
a health professional shortage area (as such term is defined in
section 332), but has a critical shortage of physicians (as
determined by the Secretary) in the field of family practice,
internal medicine, pediatrics, emergency medicine, general
surgery, or obstetrics-gynecology.
''(2) The term 'eligible individual' means an individual
who is enrolled or accepted for enrollment as a full-time
student in an accredited school of medicine or school of
osteopathic medicine.
''(g) Authorization of Appropriations.--To carry out this section,
there is authorized to be appropriated $5,000,000 for each of fiscal
years 2008 through 2012.

''SEC. 776. LOAN REPAYMENT PROGRAM.

''(a) Purpose.--The purpose of this section is to alleviate
critical shortages of physicians in the fields of family practice,
internal medicine, pediatrics, emergency medicine, general surgery, and
obstetrics-gynecology.
''(b) Loans.--The Secretary, acting through the Administrator of
the Health Resources and Services Administration, shall establish a
program of entering into contracts with eligible individuals under
which--
''(1) the individual agrees to serve--
''(A) as a physician in the field of family
practice, internal medicine, pediatrics, emergency
medicine, general surgery, or obstetrics-gynecology;
and
''(B) in an area that is not a health professional
shortage area (as such term is defined in section 332),
but has a critical shortage of physicians (as
determined by the Secretary) in such field; and
''(2) the Secretary agrees to pay, for each year of such
service, not more than $35,000 of the principal and interest of
the undergraduate or graduate educational loans of the
individual.
''(c) Service Requirement.--A contract entered into under this
section shall allow the individual receiving the loan repayment to
satisfy the service requirement described in subsection (b)(1) through
employment in a solo or group practice, a clinic, a public or private
nonprofit hospital, or any other appropriate health care entity.
''(d) Application of Certain Provisions.--The provisions of subpart
III of part D of title III shall, except as inconsistent with this
section, apply to the program established in this section to the same
extent and in the same manner as such provisions apply to the National
Health Service Corps Loan Repayment Program established in such
subpart.
''(e) Definition.--In this section, the term 'eligible individual'
means an individual with a degree in medicine or osteopathic medicine.
''(f) Authorization of Appropriations.--To carry out this section,
there is authorized to be appropriated $5,000,000 for each of fiscal
years 2008 through 2012.

''SEC. 777. PRIMARY CARE PHYSICIAN RETENTION AND MEDICAL HOME
ENHANCEMENT GRANTS.

''(a) Grants.--The Secretary, acting through the Administrator of
the Health Resources and Services Administration, shall make grants to
States to provide care management fees to physicians in medically
underserved communities to support the provision of targeted,
accessible, continuous, coordinated, and patient-centered care through
a qualified medical home.
''(b) Qualified Medical Homes.--
''(1) In general.--In this section, the term 'qualified
medical home' means a physician-directed practice that is
certified as a qualified medical home in accordance with this
subsection.
''(2) Actions by secretary.--Not later than 90 days after
the date of the enactment of this subpart, the Secretary
shall--
''(A) designate one or more objective external
private-sector entities to certify physician-directed
practices as qualified medical homes; and
''(B) issue requirements for such certification.
''(3) Requirements.--The requirements referred to in
paragraph (2)(B) shall set forth a certification process
whereby--
''(A) a physician-directed practice, in
consultation with the State where the practice is
located, submits an application on a voluntary basis to
an entity designated by the Secretary under paragraph
(2)(A); and
''(B) the entity certifies the practice as a
qualified medical home if the practice demonstrates
that the practice has capabilities to achieve
improvements in the management and coordination of care
of patients described in paragraph (4) by incorporating
attributes of the care management model described in
paragraph (5).
''(4) Eligible patients.--The patients referred to in
paragraph (3)(B)--
''(A) are patients determined by the State involved
under criteria developed by the Secretary to be
underserved, special needs, or high risk patients; and
''(B) shall include individuals who--
''(i) are eligible for medical assistance
under title XIX of the Social Security Act;
''(ii) are eligible for child health
assistance under title XXI of the Social
Security Act; or
''(iii) otherwise lack health insurance.
''(5) Care management model.--The care management model
referred to in paragraph (3)(B) is a model that uses health
information technology and other physician-practice innovations
to improve the management and coordination of patient care.
Such a model includes the following conditions:
''(A) Physicians advocate for their patients to
support the attainment of optimal, patient-centered
outcomes that are defined by a care planning process
driven by a partnership between physicians, patients,
and the patient's family.
''(B) Evidence-based medicine and clinical
decision-support tools guide decision making.
''(C) Physicians in the practice accept
accountability for continuous quality improvement
through voluntary engagement in performance measurement
and improvement.
''(D) Patients actively participate in
decisionmaking; patients take personal responsibility
for their own health through diet and lifestyle
changes; and feedback is sought to ensure that
patients' expectations are being met.
''(E) Information technology is utilized
appropriately to support optimal patient care,
performance measurement, patient education, and
enhanced communication.
''(F) Patients and families participate in quality
improvement activities at the practice level.
''(c) Amount of Care Management Fee.--
''(1) In general.--As a condition on the receipt of a grant
under this section, a State shall agree to determine the amount
of each care management fee provided through the grant in
accordance with the guidance issued by the Secretary under
paragraph (2).
''(2) Guidance.--Not later than 90 days after the date of
the enactment of this Act, the Secretary shall issue guidance
for determining the amount of a care management fee to be
provided through a grant under this section. Such guidance
shall take into account the costs of implementation, additional
time by participating physicians, and training associated with
compliance with this section. Such guidance shall include--
''(A) recognition of the value of physician and
clinical staff work associated with patient care that
falls outside the face-to-face visit, such as the time
and effort spent on educating family caregivers and
arranging appropriate follow-up services with other
health care professionals, such as nurse educators;
''(B) recognition of expenses that the qualified
medical home will incur to acquire and utilize health
information technology, such as clinical decision
support tools, patient registries, and electronic
medical records;
''(C) additional performance-based reimbursement
payments based on reporting on evidence-based quality,
cost of care, and patient experience measures;
''(D) reimbursement for separately identifiable e-
mail and telephonic consultations, either as
separately-billable services or as part of a global
management fee;
''(E) recognition of the specific circumstances and
expenses associated with physician practices of fewer
that 5 full-time employees in implementing the
attributes of a qualified medical home and care
management model described in subsection (b); and
''(F) recognition and sharing of savings that may
result from a qualified medical home.
''(d) Application.--A State seeking a grant under this section
shall submit an application to the Secretary at such time, in such
manner, and containing such information as the Secretary may require.
Each such application shall describe the methodologies to be used by
the State to determine the amount of care managements fees to be
provided through the grant.
''(e) Authorization of Appropriations.--To carry out this section,
there is authorized to be appropriated $10,000,000 for each of fiscal
years 2008 through 2012.

''SEC. 778. COMPREHENSIVE GERIATRIC TRAINING GRANTS.

''(a) Grants.--The Secretary, acting through the Administrator of
the Health Resources and Services Administration, shall make grants to
board-certified entities to establish or expand geriatric fellowship
programs described in subsection (b).
''(b) Geriatric Fellowship Programs.--A geriatric fellowship
program funded through a grant under this section shall provide 1-year
fellowships to train physicians practicing in rural areas or in the
field of family practice, internal medicine, emergency medicine,
general surgery, or obstetrics-gynecology, at any time during their
careers, in geriatric medicine.
''(c) Amount.--As a condition on the receipt of a grant under this
section, an entity shall agree to expend not more than $50,000 of the
grant per fellow.
''(d) Preference.--In awarding grants under this section, the
Secretary shall give preference to entities seeking to establish or
expand a fellowship program in a rural area, a suburban area, or a
medically underserved community.
''(e) Authorization of Appropriations.--To carry out this section,
there is authorized to be appropriated $1,000,000 for each of fiscal
years 2008 through 2012.

''SEC. 779. REPORTS TO CONGRESS.

''Not later than 1 year after the date of the enactment of the
High-Need Physician Workforce Incentives Act of 2007, and annually
thereafter, the Secretary shall submit a report to the Congress--
''(1) identifying the number of grants and loans made under
this section during the preceding 12-month period; and
''(2) describing the results achieved through such grants
and loans, including the extent to which such grants and loans
met the needs of the physician workforce in rural areas and in
the fields of family practice, internal medicine, pediatrics,
emergency medicine, general surgery, and obstetrics-
gynecology.''.

SEC. 3. EXEMPTION FROM GROSS INCOME FOR CERTAIN COMPENSATION PAID TO
PHYSICIANS BY LOCAL GOVERNMENTS FOR SERVICE IN MEDICALLY
UNDERSERVED AREAS.

(a) In General.--Part III of subchapter B of chapter 1 of the
Internal Revenue Code of 1986 (relating to items specifically excluded
from gross income) is amended by adding at the end the following new
section:

''SEC. 139B. CERTAIN COMPENSATION PAID TO PHYSICIANS BY LOCAL
GOVERNMENTS FOR SERVICE IN MEDICALLY UNDERSERVED AREAS.

''(a) In General.--Gross income does not include compensation
received by a physician (as defined in section 1861(r) of the Social
Security Act) from a local government (as defined in section
1393(a)(5)) for qualified medical service.
''(b) Qualified Medical Service.--For purposes of this section, the
term 'qualified medical service' means medical care described in
section 213(d)(1)(A) which is performed--
''(1) in a medically underserved community (as defined in
section 799B(6) of the Public Health Service Act), and
''(2) under a contract with the local government referred
to in subsection (a) for the performance of such services for a
period of not less than 4 years.
''(c) No Exemption From Employment Taxes.--Compensation shall not
fail to be taken into account as wages under any provision of subtitle
C solely because such compensation is excluded from gross income under
this section.''.
(b) Clerical Amendment.--The table of sections for part III of
subchapter B of chapter 1 of such Code is amended by inserting after
the item relating to section 139A the following new item:

''Sec. 139B. Certain compensation paid to physicians by local
governments for service in medically
underserved areas.''.
(c) Effective Date.--The amendments made by this section shall
apply to taxable years beginning after the date of the enactment of
this Act.

SOLUTION:
High-Need Physician Workforce Incentives Act of 2007 - Amends the Public Health Service Act to require the Secretary of Health and Human Services, acting through the Administrator of the Health Resources and Services Administration, to make grants to critical shortage health facilities for scholarships to individuals agreeing to serve as a physician at such facility after completing residency in the fields of family practice, internal medicine, pediatrics, emergency medicine, general surgery, or obstetrics-gynecology. Excludes such scholarship funds from an individual's gross income.

Requires the Secretary, acting through the Administrator, to: (1) establish a loan repayment program for individuals agreeing to serve as physicians in specified fields in areas that are not health professional shortage areas, but that have a critical shortage of physicians in such field; (2) make grants to states to provide care management fees to physicians in medically underserved communities to support the provision of targeted, accessible, continuous, coordinated, and patient-centered care through a qualified medical home; and (3) make grants to board-certified entities to establish or expand geriatric fellowship programs to train physicians practicing in rural areas or in specified fields in geriatric medicine.

Amends the Internal Revenue Code to exclude from an individual's gross income compensation received by a physician from a local government for medical care performed: (1) in a medically underserved community; and (2) under a contract with the local government for a period of not less than four years.