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

Q: SECTION 1. SHORT TITLE.

This Act may be cited as the ''Mandatory Foreclosure Mediation
Act''.

SEC. 2. DEFINITIONS.

In this Act, the following definitions shall apply:
(1) Alternative to foreclosure.--The term ''alternative to
foreclosure''--
(A) means a course of action with respect to a
mortgage offered by a servicer to a borrower as an
alternative to a covered foreclosure action; and
(B) includes a short sale and a deed in lieu of
foreclosure.
(2) Borrower.--The term ''borrower'' means a mortgagor
under a mortgage who is in default or at risk of imminent
default, as determined by the Secretary through regulations.
(3) Foreclosure action.--The term ''foreclosure action''
means a judicial or nonjudicial foreclosure.
(4) Loan modification program.--The term ''loan
modification program'' means a program or procedure designed to
change the terms of a mortgage in the case of the default,
delinquency, or imminent default or delinquency of a mortgagor,
including a loan modification program established by a servicer
that reduces the principal owed by the mortgagor on the
mortgage.
(5) Mortgage.--The term ''mortgage'' means a federally
related mortgage loan, as defined in section 3(1) of the Real
Estate Settlement Procedures Act of 1974 (12 U.S.C. 2602(1)),
that is secured by a first or subordinate lien on residential
real property.
(6) Secretary.--The term ''Secretary'' means the Secretary
of Housing and Urban Development.
(7) Servicer.--The term ''servicer''--
(A) has the same meaning as in section 6(i) of the
Real Estate Settlement Procedures Act of 1974 (12
U.S.C. 2605(i)); and
(B) includes a person responsible for servicing a
pool of mortgages.

SEC. 3. MEDIATION REQUIRED BEFORE FORECLOSURE.

(a) Initiation of Foreclosure Actions.--A servicer may not initiate
a foreclosure action against a borrower unless the servicer has--
(1) made a reasonable effort to initiate mediation
proceedings in accordance with the process established in
regulations prescribed pursuant to subsection (c) to determine
whether the borrower is eligible for a loan modification or an
alternative to foreclosure; and
(2) offered the borrower a loan modification or an
alternative to foreclosure, if the borrower is eligible for the
loan modification or alternative to foreclosure.
(b) Suspension of Foreclosure Actions.--
(1) In general.--A servicer shall suspend a foreclosure
action that was initiated before the date of enactment of this
Act until the servicer--
(A) completes a mediation proceeding in accordance
with the process established in regulations prescribed
pursuant to subsection (c) to determine whether the
borrower is eligible for a loan modification or an
alternative to foreclosure; and
(B) offers the borrower a loan modification or an
alternative to foreclosure, if the borrower is eligible
for a loan modification or an alternative to
foreclosure.
(2) Suspension.--During the period of the suspension under
paragraph (1), a servicer may not--
(A) send a notice of foreclosure to a borrower;
(B) conduct or schedule a sale of the real property
securing the mortgage of the borrower; or
(C) cause final judgment to be entered against the
borrower.
(3) Reasonable efforts.--A servicer is not required to
suspend a foreclosure action under paragraph (1) if the
servicer--
(A) makes a reasonable effort to schedule a
mediation proceeding to determine whether the borrower
is eligible for a loan modification or an alternative
to foreclosure; and
(B) documents that the borrower has not agreed to a
mediation proceeding to determine whether the borrower
is eligible for a loan modification or an alternative
to foreclosure.
(4) Rule of construction.--Nothing in this section may be
construed to require a servicer to delay an unavoidable
foreclosure, such as foreclosure that results from a borrower
abandoning the residential real property securing a mortgage.
(c) Establishment of Mediation Process.--The Secretary shall
establish through regulations a mediation process to determine whether
the borrower is eligible for a loan modification or an alternative to
foreclosure under this section.

SEC. 4. BAR TO FORECLOSURE ACTIONS.

(a) In General.--Subject to subsection (b), a violation of this Act
shall be a bar to a foreclosure action.
(b) Effect of Subsequent Compliance.--If a servicer is in
compliance with this Act, the servicer may bring or proceed with a
foreclosure action, without regard to a prior violation of this Act by
the servicer.

SEC. 5. REGULATIONS.

Not later than 90 days after the date of enactment of this Act, the
Secretary shall issue regulations to carry out this Act.

SEC. 6. REPORT.

Each servicer that initiates mediation proceedings under section 3
shall submit to the Secretary a quarterly report at such time, in such
manner, and containing such information, with respect to such
proceedings, as the Secretary may require.

A: Mandatory Foreclosure Mediation Act - Prohibits a servicer from initiating a foreclosure action against a borrower unless the servicer has: (1) made a reasonable effort to initiate mediation proceedings to determine if the borrower is eligible for a loan modification or an alternative to foreclosure; and (2) offered the borrower, if eligible, such a modification or alternative.

Requires a servicer to suspend a foreclosure action initiated before the enactment of this Act until the servicer: (1) completes such a mediation proceeding; and (2) offers the borrower, if eligible, a modification or alternative.

Prohibits a servicer, during the suspension period, from: (1) sending the borrower a notice of foreclosure, (2) conducting or scheduling a sale of the real property securing the mortgage, or (3) causing final judgment to be entered against the borrower.

Directs the Secretary of Housing and Urban Development (HUD) to establish such a mediation process.

Declares that a servicer is not required to suspend a foreclosure action if the servicer makes a reasonable effort to schedule a mediation proceeding and documents that the borrower has not agreed to one.

Makes a violation of this Act a bar to a foreclosure action. Allows a servicer in compliance with this Act, however, to bring or proceed with a foreclosure action, regardless of any prior violation.
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Q: SECTION 1. SHORT TITLE.

This Act may be cited as the ''Fracturing Regulations are Effective
in State Hands Act''.

SEC. 2. FINDINGS.

Congress finds that--
(1) hydraulic fracturing is a commercially viable practice
that has been used in the United States for more than 60 years
in more than 1,000,000 wells;
(2) the Ground Water Protection Council, a national
association of State water regulators that is considered to be
a leading groundwater protection organization in the United
States, released a report entitled ''State Oil and Natural Gas
Regulations Designed to Protect Water Resources'' and dated May
2009 finding that the ''current State regulation of oil and gas
activities is environmentally proactive and preventive'';
(3) that report also concluded that ''[a]ll oil and gas
producing States have regulations which are designed to provide
protection for water resources'';
(4) a 2004 study by the Environmental Protection Agency,
entitled ''Evaluation of Impacts to Underground Sources of
Drinking Water by Hydraulic Fracturing of Coalbed Methane
Reservoirs'', found no evidence of drinking water wells
contaminated by fracture fluid from the fracked formation;
(5) a 2009 report by the Ground Water Protection Council,
entitled ''State Oil and Natural Gas Regulations Designed to
Protect Water Resources'', found a ''lack of evidence'' that
hydraulic fracturing conducted in both deep and shallow
formations presents a risk of endangerment to ground water;
(6) a January 2009 resolution by the Interstate Oil and Gas
Compact Commission stated ''The states, who regulate
production, have comprehensive laws and regulations to ensure
operations are safe and to protect drinking water. States have
found no verified cases of groundwater contamination associated
with hydraulic fracturing.'';
(7) on May 24, 2011, before the Oversight and Government
Reform Committee of the House of Representatives, Lisa Jackson,
the Administrator of the Environmental Protection Agency,
testified that she was ''not aware of any proven case where the
fracking process itself has affected water'';
(8) in 2011, Bureau of Land Management Director Bob Abbey
stated, ''We have not seen evidence of any adverse effect as a
result of the use of the chemicals that are part of that
fracking technology.'';
(9)(A) activities relating to hydraulic fracturing (such as
surface discharges, wastewater disposal, and air emissions) are
already regulated at the Federal level under a variety of
environmental statutes, including portions of--
(i) the Federal Water Pollution Control Act (33
U.S.C. 1251 et seq.);
(ii) the Safe Drinking Water Act (42 U.S.C. 300f et
seq.); and
(iii) the Clean Air Act (42 U.S.C. 7401 et seq.);
but
(B) Congress has continually elected not to include the
hydraulic fracturing process in the underground injection
control program under the Safe Drinking Water Act (42 U.S.C.
300f et seq.);
(10) in 2011, the Secretary of the Interior announced the
intention to promulgate new Federal regulations governing
hydraulic fracturing on Federal land;
(11) a February 2012 study by the Energy Institute at the
University of Texas at Austin, entitled ''Fact-Based Regulation
for Environmental Protection in Shale Gas Development'', found
that ''[n]o evidence of chemicals from hydraulic fracturing
fluid has been found in aquifers as a result of fracturing
operations''; and
(12) on October 1, 2014, the Ground Water Protection
Council and State Oil and Gas Regulatory Exchange released a
report entitled ''State Oil and Gas Regulations Designed to
Protect Water Resources'' that describes the cutting edge of
State-based oil and gas regulations, concluding that ''In step
with dramatic industry growth over the past five years, states
have substantially improved groundwater protection laws and
regulations governing oil and natural gas production.''.

SEC. 3. DEFINITION OF FEDERAL LAND.

In this Act, the term ''Federal land'' means--
(1) public lands (as defined in section 103 of the Federal
Land Policy and Management Act of 1976 (43 U.S.C. 1702));
(2) National Forest System land;
(3) land under the jurisdiction of the Bureau of
Reclamation; and
(4) land under the jurisdiction of the Corps of Engineers.

SEC. 4. STATE AUTHORITY.

(a) In General.--A State shall have the sole authority to
promulgate or enforce any regulation, guidance, or permit requirement
regarding the treatment of a well by the application of fluids under
pressure to which propping agents may be added for the expressly
designed purpose of initiating or propagating fractures in a target
geologic formation in order to enhance production of oil, natural gas,
or geothermal production activities on or under any land within the
boundaries of the State.
(b) Federal Land.--The treatment of a well by the application of
fluids under pressure to which propping agents may be added for the
expressly designed purpose of initiating or propagating fractures in a
target geologic formation in order to enhance production of oil,
natural gas, or geothermal production activities on Federal land shall
be subject to the law of the State in which the land is located.

A: Fracturing Regulations are Effective in State Hands Act This bill gives states the sole authority to promulgate or enforce any regulation, guidance, or permit requirement regarding hydraulic fracturing on or under any land within their boundaries. Hydraulic fracturing or fracking is a process to extract underground resources such as oil or gas from a geologic formation by injecting water, a propping agent (e.g., sand), and chemical additives into a well under enough pressure to fracture the geological formation. Hydraulic fracturing on federal land must comply with the law of the state in which the land is located.
****
Q: SECTION 1. SHORT TITLE.

This Act may be cited as the ''Freedom to Fish Act''.

SEC. 2. FINDINGS.

The Congress makes the following findings:
(1) Recreational fishing is traditionally one of the most
popular outdoor sports with more than 50,000,000 participants
of all ages, in all regions of the country.
(2) Recreational fishing makes a substantial contribution
to the local, State, and national economies. According to the
most recent economic figures, recreational fishing infuses
$116,000,000,000 annually into the national economy.
Nationally, over 1,200,000 jobs are related to recreational
fishing; this represents approximately 1 percent of the
nation's entire civilian work force. For those communities and
small businesses that rely on seasonal tourism, the
expenditures of recreational anglers result in substantial
benefits to the local economies.
(3) Recreational anglers have long demonstrated a
conservation ethic through their support of reasonable
fisheries management laws and regulations including minimum
size requirements, possession limits, and seasonal closures, as
well as through their voluntary practice of catch-and-release
fishing when appropriate.
(4) In addition to payment of Federal excise taxes on
fishing equipment, motorboats, and fuel, as well as license
fees, recreational anglers contribute over $500,000,000
annually to State fisheries conservation management programs
and projects.
(5) It is a long standing policy of the Federal Government
to allow public access to public lands and waters for
recreational purposes consistent with sound conservation. This
policy is reflected in the National Forest Management Act of
1976, the National Wildlife Refuge System Administration Act of
1966, the Wilderness Act, the Wild and Scenic Rivers Act, and
the National Parks and Recreation Act of 1978.
(6) In most instances, recreational fishery resources can
be maintained through a variety of management measures
including minimum size requirements, possession limits, and
seasonal closures, without restricting public access to places
to fish.
(7) Comprehensive standards must be established to
demonstrate to the public that recreational fishing can be
managed effectively without unnecessarily closing marine waters
and to direct the implementation, use, and monitoring of marine
protected areas.

SEC. 3. POLICY.

Consistent with sound marine conservation, it is the policy of the
Congress in this Act--
(1) to create standards to direct the implementation, use,
and monitoring of marine protected areas;
(2) to ensure that all Federal regulations promote open
access for recreational fishing to the maximum extent
practicable;
(3) to ensure that recreational anglers will be actively
involved in any regulatory procedures that contemplate
restrictions on their access to places to fish; and
(4) to ensure that whenever access to fishing places is
restricted, the restricted areas are as small as scientifically
necessary to provide for the conservation of the fishery
resource.

SEC. 4. MAGNUSON-STEVENS FISHERY CONSERVATION AND MANAGEMENT ACT
AMENDMENT.

Section 303(a) of the Magnuson-Stevens Fishery Conservation and
Management Act (16 U.S.C. 1853(a)) is amended--
(1) by striking ''and'' after the semicolon in paragraph
(13);
(2) by striking ''fishery.'' in paragraph (14) and
inserting ''fishery; and;''; and
(3) by adding at the end the following:
''(15) not establish areas closed to recreational fishing
unless--
''(A) there is a clear indication that recreational
fishermen are the cause of a specific conservation
problem and that less severe conservation measures,
including minimum size requirements, possession limits,
seasonal closures, or gear restrictions, will not
adequately provide for conservation and management of
the affected stocks of fish as determined by the
appropriate Regional Fishery Management Council;
''(B) the closed area regulation includes specific
measurable criteria to determine the conservation
benefit of the closed area on the affected stocks of
fish and provides a timetable for periodic review of
the continued need for the closed area at least once
every 3 years;
''(C) the closed area is no larger than that which
is supported by the best available scientific
information; and
''(D) provisions are made to reopen the closed area
to recreational fishing whenever the basis of the
closure no longer exists.''.

A:
Freedom to Fish Act - Amends the Magnuson-Stevens Fishery Conservation and Management Act to prohibit any fishery management plan prepared by a Regional Fishery Management Council or the Secretary of Commerce from establishing areas closed to recreational fishing unless: (1) there is a clear indication that recreational fishermen are the cause of a specific conservation problem and that less severe conservation measures will not adequately provide for conservation and management of the affected stocks of fish; (2) the closed area regulation includes specific measurable criteria to determine the conservation benefit of the closed area on such fish and provides a timetable for periodic review of the continued need for the closed area; (3) the closed area is no larger than that which is supported by the best available scientific information; or (4) provision is made to reopen the closed area to recreational fishing whenever any such condition that was the basis of the closure no longer exists.
****