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. KOREA VISA WAIVER PILOT PROGRAM.

(a) Congressional Findings.--The Congress finds that--
(1) travel and tourism play a major role in reducing the
United States unfavorable balance of trade;
(2) the characteristics of the Korean travel market do not
permit long-term planning for longer trips;
(3) applications for United States visas cannot now be
processed in a reasonable period of time;
(4) the Secretary of State has attempted to solve the
problem by adding additional staff to the consular section at
the United States Embassy in Seoul;
(5) unfortunately, these additions have not resulted in any
discernable improvement in reducing visa processing delays;
(6) further, it is unlikely, given the current fiscal
environment, to expect funding to be available for further
staff additions in sufficient numbers to effect any significant
improvement in the time required to process visa applications;
(7) most of the nations of the South Pacific, Europe, and
Canada do not currently require Koreans entering their
countries to have a visa, thus providing them with a serious
competitive advantage in the tourism industry;
(8) the United States territory of Guam has been permitted
by the United States Government to eliminate visa requirements
for Koreans visiting Guam, with resultant impressive increases
in travel and tourism from citizens of the Republic of Korea;
(9) any application under existing procedures to add the
Republic of Korea, or any other nation to the group of favored
nations exempted from United States visa regulations, would
require many years during which time the United States could
well lose its competitive advantages in attracting travel and
tourism from the Republic of Korea;
(10) the Republic of Korea, as a gesture of goodwill, has
already unilaterally exempted United States tourists who seek
to enter the Republic of Korea from the requirement of
obtaining a visa; and
(11) growth in Korean travel to the United States has not
kept pace with growth in travel to non-United States
destinations, and cumbersome and time-consuming visa processing
procedures are widely recognized as the cause of this loss of
market share and competitiveness with alternative destinations.
(b) Pilot Program.--The Secretary of State and the Attorney General
jointly shall establish a pilot project (in this section referred to as
the ''pilot program'') within six months of the date of the enactment
of this Act under which the requirement of paragraph (7)(B)(i)(II) of
section 212(a) of the Immigration and Nationality Act (8 U.S.C.
1182(a)(7)(B)(i)(II)) is waived during the pilot program period in the
case of any alien who meets the following requirements:
(1) National of pilot program country.--The alien is a
national of, and presents a passport issued by, the Republic of
Korea. The Republic of Korea is urged to provide machine
readable passports to its citizens in the near future.
(2) Seeking entry as tourist.--The alien is applying for
admission to the United States during the pilot program period
as a nonimmigrant visitor for pleasure (as described in section
101(a)(15)(B) of the Immigration and Nationality Act (8 U.S.C.
1101(a)(15)(B))), as part of a group tour to the United States.
(3) Period of stay.--The alien seeks to stay in the United
States for a period of not more than 15 days.
(4) Executes immigration forms.--The alien before the time
of such admission completes such immigration form as the
Attorney General shall establish.
(5) Entry into the united states.--If arriving by sea or
air, the alien arrives at the port of entry into the United
States on a carrier which has entered into an agreement with the
Immigration and Naturalization Service to guarantee transport of the
alien out of the United States if the alien is found inadmissible or
deportable by an immigration officer.
(6) Not a safety threat.--The alien has been determined not
to represent a threat to the welfare, health, safety, or
security of the United States.
(7) No previous violation.--If the alien previously was
admitted without a visa under this section, the alien must not
have failed to comply with the conditions of any previous
admission as such a nonimmigrant.
(8) Round-trip ticket.--The alien is in possession of a
round-trip transportation ticket (unless this requirement is
waived by the Attorney General under regulations).
(c) Waiver of Rights.--An alien may not be provided a waiver under
the pilot program unless the alien has waived any right--
(1) to review or appeal under this Act of an immigration
officer's determination as to the admissibility of the alien at
the port of entry into the United States, or
(2) to contest, other than on the basis of an application
for asylum, any action for deportation against the alien.
(d) Termination of Authority.--Notwithstanding any other provision
of this section, the Attorney General and the Secretary of State,
acting jointly, may terminate the pilot program under this section on
or after a date which is one year after the date of the establishment
of the pilot program if--
(1) during the preceding fiscal year, the overstay rate for
nationals of the Republic of Korea entering the United States
under the pilot program exceeds the overstay rate of such
nationals entering the United States with valid visas; and
(2) the Attorney General and the Secretary of State have
jointly determined that the pilot program is leading to a
significant increase in the number of overstays by such
nationals.
(e) Special Bond and Notification Requirements for Tour
Operators.--
(1) In general.--Nationals of the Republic of Korea may not
enter the United States under the terms of this section unless
they are accompanied for the duration of their authorized
admission period by a tour operator who has fulfilled the
following requirements:
(A) The tour operator has posted a bond of $200,000
with the Secretary of State.
(B) The Secretary of State, under such regulations
as the Secretary may prescribe, has approved an
application by the tour operator to escort tour groups
to the United States.
(C) The tour operator provides the name, address,
birthdate, passport number, and citizenship of all
prospective tour group members to the Secretary of
State no less than one business day prior to the
departure date of the group, under such regulations as
he may prescribe, in order to determine that the
prospective travelers do not represent a threat to the
welfare, health, safety, and security of the United
States.
(D) The tour operator excludes from the tour group
any person whom the Secretary of State denies
permission to travel to the United States.
(E) The tour operator provides written
certification or other such evidence prescribed by the
Secretary of State and Attorney General which documents
the return to Korea of each tour group member.
(2) Forfeiture of bonds.--Bonds posted in accordance with
this subsection shall be forfeited in whole or in part and a
tour operator's authorization to escort tours to the United
States may be suspended or revoked if the Secretary of State
finds that the tour operator--
(A) has failed to disclose a material fact in
connection with the application required under
paragraph (1)(B);
(B) fails to comply with the advance notification
and refusal requirements of paragraphs (1)(C) and
(1)(D);
(C) has failed to take adequate steps to ensure
that visitors who are being escorted to the United
States under the terms of an approved application
return to their country of residence; or
(D) is found at any time to have committed a felony
or any offense under the immigration laws of the United
States.
(f) Participation by Tour Agents.--The Secretary of State shall
periodically review the overstay rate of nationals of the Republic of
Korea that corresponds to each tour agent participating in the program
under this section. The Secretary may terminate the participation in
the program of any tour agent if the Secretary determines that the
corresponding overstay rate is excessive.
(g) Definitions.--For purposes of this section--
(1) Group tour.--The term ''group tour'' means travelers
who take advantage of group-purchased hotel or airfare
packages, as guided, supervised, and arranged by a tour agent
in the Republic of Korea approved or licensed by the Department
of State.
(2) Overstay rate.--The term ''overstay rate'' means,
during a specified period of time, the proportion that the
number of aliens remaining in the United States after the
expiration of their visas bears to the total number of aliens
entering the United States during that period of time.
(3) Pilot program period.--The term ''pilot program
period'' means the three-year period immediately following the
establishment of the pilot program.
Example Output: Directs the Secretary of State and the Attorney General to jointly establish a visa waiver pilot program for Korean nationals traveling in tour groups to the United States. Specifies requirements for such waiver.

Example Input: SECTION 1. SHORT TITLE.
This Act may be cited as the ''American Veterans Disabled for Life
Commemorative Coin Act''.
SEC. 2. FINDINGS.
The Congress finds as follows:
(1) The Armed Forces of the United States have answered the
call and served with distinction around the world--from hitting the
beaches in World War II in the Pacific and Europe, to the cold and
difficult terrain in Korea, the steamy jungles of Vietnam, and the
desert sands of the Middle East.
(2) All Americans should commemorate those who come home having
survived the ordeal of war, and solemnly honor those who made the
ultimate sacrifice in giving their lives for their country.
(3) All Americans should honor the millions of living disabled
veterans who carry the scars of war every day, and who have made
enormous personal sacrifices defending the principles of our
democracy.
(4) In 2000, Congress authorized the construction of the
American Veterans Disabled for Life Memorial.
(5) The United States should pay tribute to the Nation's living
disabled veterans by minting and issuing a commemorative silver
dollar coin.
(6) The surcharge proceeds from the sale of a commemorative
coin would raise valuable funding for the construction of the
American Veterans Disabled for Life Memorial.
SEC. 3. COIN SPECIFICATIONS.
(a) $1 Silver Coins.--The Secretary of the Treasury (hereafter in
this Act referred to as the ''Secretary'') shall mint and issue not
more than 350,000 $1 coins in commemoration of disabled American
veterans, each of which shall--
(1) weigh 26.73 grams;
(2) have a diameter of 1.500 inches; and
(3) contain 90 percent silver and 10 percent copper.
(b) Legal Tender.--The coins minted under this Act shall be legal
tender, as provided in section 5103 of title 31, United States Code.
(c) Numismatic Items.--For purposes of sections 5134 and 5136 of
title 31, United States Code, all coins minted under this Act shall be
considered to be numismatic items.
SEC. 4. DESIGN OF COINS.
(a) Design Requirements.--
(1) Design.--The design of the coins minted under this Act
shall be emblematic of the service of our disabled veterans who,
having survived the ordeal of war, made enormous personal
sacrifices defending the principles of our democracy.
(2) Designation and inscriptions.--On each coin minted under
this Act, there shall be--
(A) a designation of the value of the coin;
(B) an inscription of the year ''2010''; and
(C) inscriptions of the words ''Liberty'', ''In God We
Trust'', ''United States of America'', and ''E Pluribus Unum''.
(b) Selection.--The design for the coins minted under this Act
shall be--
(1) selected by the Secretary, after consultation with the
Disabled Veterans' LIFE Memorial Foundation and the Commission of
Fine Arts; and
(2) reviewed by the Citizens Coinage Advisory Committee.
SEC. 5. ISSUANCE OF COINS.
(a) Quality of Coins.--Coins minted under this Act shall be issued
in uncirculated and proof qualities.
(b) Mint Facility.--
(1) In general.--Only 1 facility of the United States Mint may
be used to strike any particular quality of the coins minted under
this Act.
(2) Use of the united states mint at west point, new york.--It
is the sense of the Congress that the coins minted under this Act
should be struck at the United States Mint at West Point, New York,
to the greatest extent possible.
(c) Period for Issuance.--The Secretary may issue coins under this
Act only during the calendar year beginning on January 1, 2010.
SEC. 6. SALE OF COINS.
(a) Sale Price.--The coins issued under this Act shall be sold by
the Secretary at a price equal to the sum of--
(1) the face value of the coins;
(2) the surcharge provided in section 7 with respect to such
coins; and
(3) the cost of designing and issuing the coins (including
labor, materials, dies, use of machinery, overhead expenses,
marketing, and shipping).
(b) Bulk Sales.--The Secretary shall make bulk sales of the coins
issued under this Act at a reasonable discount.
(c) Prepaid Orders.--
(1) In general.--The Secretary shall accept prepaid orders for
the coins minted under this Act before the issuance of such coins.
(2) Discount.--Sale prices with respect to prepaid orders under
paragraph (1) shall be at a reasonable discount.
SEC. 7. SURCHARGES.
(a) In General.--All sales of coins issued under this Act shall
include a surcharge of $10 per coin.
(b) Distribution.--Subject to section 5134(f) of title 31, United
States Code, all surcharges received by the Secretary from the sale of
coins issued under this Act shall be paid to the Disabled Veterans'
LIFE Memorial Foundation for the purpose of establishing an endowment
to support the construction of American Veterans' Disabled for Life
Memorial in Washington, D.C.
(c) Audits.--The Comptroller General of the United States shall
have the right to examine such books, records, documents, and other
data of the Disabled Veterans' LIFE Memorial Foundation as may be
related to the expenditures of amounts paid under subsection (b).
(d) Limitation.--Notwithstanding subsection (a), no surcharge may
be included with respect to the issuance under this Act of any coin
during a calendar year if, as of the time of such issuance, the
issuance of such coin would result in the number of commemorative coin
programs issued during such year to exceed the annual 2 commemorative
coin program issuance limitation under section 5112(m)(1) of title 31,
United States Code (as in effect on the date of the enactment of this
Act). The Secretary of the Treasury may issue guidance to carry out
this subsection.

Speaker of the House of Representatives.

Vice President of the United States and
President of the Senate.
Example Output: American Veterans Disabled for Life Commemorative Coin Act - Directs the Secretary of the Treasury to mint and issue $1 silver coins emblematic of the service of our disabled veterans who, having survived the ordeal of war, made enormous personal sacrifices defending the principles of our democracy.

Expresses the sense of Congress that, to the greatest extent possible, the coins should be struck at the U.S. Mint at West Point, New York.

Limits the period for coin issuance to the calendar year beginning on January 1, 2010.

Imposes a $10 surcharge per coin, to be distributed to the Disabled Veterans' LIFE Memorial Foundation for the purpose of establishing an endowment to support the construction of American Veterans' Disabled for Life Memorial in Washington, D.C.

Prohibits a surcharge with respect to the issuance under this Act of any coin during a calendar year if, at the time of issuance, it would result in more than the statuory maximum of two commemorative coin programs per year.

Example Input: SECTION 1. SHORT TITLE.

This Act may be cited as the ''Rural Housing Opportunity and
Enhancement Act of 2005''.

SEC. 2. GUARANTEES FOR RURAL HOUSING LOANS.

(a) Income Limitation.--
(1) In general.--Section 502(h) of the Housing Act of 1949
(42 U.S.C. 1472(h)) is amended--
(A) by striking paragraph (3); and
(B) in paragraph (11), by striking '' for low and
moderate income families''.
(2) Repeal.--Section 751 of the Agriculture, Rural
Development, Food and Drug Administration, and Related Agencies
Appropriations Act, 2001 (42 U.S.C. 1472 note) is hereby
repealed:
(b) Guarantee Fee.--
(1) In general.--Section 502(h)(8) of the Housing Act of
1949 is amended by striking ''not more than 1 percent'' and
inserting ''0.9 percent''.
(2) Repeals.--The following provisions are hereby repealed:
(A) Section 739 of the Agriculture, Rural
Development, Food and Drug Administration, and Related
Agencies Appropriations Act, 2001 (42 U.S.C. 1472
note).
(B) Section 726 of the Agriculture, Rural
Development, Food and Drug Administration, and Related
Agencies Appropriations Act, 2005 (118 Stat. 2842).
(c) Repayment Ability.--Section 502(h) of the Housing Act of 1949
is amended by inserting after paragraph (2) the following new
paragraph:
''(3) Eligibility of borrowers.--Any regulations of the
Secretary limiting eligibility of borrowers for loans
guaranteed pursuant to this subsection based upon the ratio
between the debt and income of the borrower shall provide for a
higher income-to-debt ratio with respect to loans for newly
constructed properties''.

SEC. 3. GUARANTEES FOR REFINANCING LOANS.

Section 502(h)(14) of the Housing Act of 1949 (42 U.S.C.
1472(h)(13)) is amended as follows:
(1) Guarantee fee.--
(A) In subparagraph (A), by striking ''(F)'' and
inserting ''(I)''
(B) In subparagraph (E), by striking ''(8),''.
(C) By redesignating subparagraphs (E) and (F) as
subparagraphs (H) and (I), respectively.
(D) By inserting after subparagraph (D) the
following new subparagraph:
''(E) Guarantee fee.--With respect to a refinancing
loan under this paragraph, the Secretary may collect
from the lender at the time of issuance of the
guarantee a fee equal to 0.5 percent of the principal
obligation of the loan.''.
(2) Refinancing other types of mortgages.--In subparagraph
(A)--
(A) by inserting ''(i)'' before ''under this
section''; and
(B) by inserting before the last comma the
following: '', or (ii) to acquire or construct a
single-family residence that meets the requirements of
paragraph (4)''.
(3) Loan amount.--In subparagraph (D), by striking ''and
such closing costs'' and all that follows through ''prescribe''
and inserting the following: ''and closing costs, which shall
include amounts paid as an origination fee, but not in excess
of 1 percent of the principal obligation of the loan, amounts
paid as a discount fee, but not in excess of 200 basis points,
any amounts required to be paid into escrow upon loan
origination, and such other closing costs as the Secretary may
prescribe''.
(4) Elimination of income restriction.--In subparagraph
(H), as so redesignated by paragraph (1)(B) of this section, by
striking ''(3),''.
(5) Loan requirements.--By inserting before subparagraph
(H), as so redesignated by paragraph (1)(B) of this section,
the following new subparagraphs:
''(F) Prohibited loan terms.--The Secretary may not
require, for a refinancing loan to be eligible for a
guarantee under this paragraph--
''(i) that an appraisal credit report or
underwriting be conducted in connection with
the loan; or
''(ii) in the case of a loan described in
clause (i) of subparagraph (A), that the
residence in connection with which the loan is
made be located in a rural area.
''(G) Required loan terms.--The Secretary shall
require, for a refinancing loan to be eligible for a
guarantee under this paragraph, that--
''(i) the borrower is not delinquent with
respect to payment of the existing loan being
refinanced; and
''(ii) the monthly payments required by the
borrower under the refinancing loan be at least
$50 less than the monthly payments so required
under the existing loan being refinanced.''.

SEC. 4. RECORDING OF LOANS.

Section 501 of the Housing Act of 1949 (42 U.S.C. 1471) is amended
by adding at the end the following new subsection:
''(k) Recording Requirements.--The Secretary shall provide that
each loan made, insured, or guaranteed under this title shall be
recorded, in accordance with any applicable State and local laws
requiring recordation of loans, as a loan made, insured, or guaranteed
(as appropriate) by the Department of Agriculture, and not as a
conventional loan.''.

SEC. 5. RURAL AREA DEFINITION.

Clause (3) of the first sentence of section 520 of the Housing Act
of 1949 (42 U.S.C. 1490) is amended by striking ''and (A)'' and all
that follows through ''moderate-income families,''.

SEC. 6. INCOME LIMITATION FOR DIRECT LOANS.

The first sentence of paragraph (4) of section 501(b) of the
Housing Act of 1949 (42 U.S.C. 1471(b)(4)) is amended by inserting
before the period at the end the following: '', except that in
determining such respective levels for purposes of direct loans made
under section 502, section 3(b)(2) of such Act (42 U.S.C. 1437a(b)(2))
shall be applied by substituting '150 percent' for '80 per centum' each
place such term appears and by substituting '93.75 percent' for '50 per
centum' each place such term appears''.
Example Output:
Rural Housing Opportunity and Enhancement Act of 2005 - Amends the Doug Bereuter Section 502 Single Family Housing Loan Guarantee Act of the Housing Act of 1949 with respect to the single family rural housing loan guarantee program to: (1) eliminate low and moderate income eligibility requirements; (2) reduce maximum guarantee fees paid by lenders; and (3) require any regulation limiting borrower eligibility based upon the borrower's debt-income ratio to provide for a higher income-to-debt ratio for newly-constructed property loans.

Revises refinancing loan guarantee provisions to: (1) authorize a specified lender guarantee fee; (2) permit a guarantee to acquire or construct an eligible single-family residence; (3) amend closing cost provisions; (4) eliminate income requirements; (5) prohibit that an appraisal credit report be required in connection with the loan, or that the residence be in a rural area for an existing loan; and (6) require that the borrower is not delinquent with respect to existing loan payments, and that monthly refinance payments be at least $50 less than existing monthly payments.

Requires agricultural housing loans to be recorded as Department of Agriculture, rather than conventional, loans.

Revises the definition of "rural area."

Increases direct loan income limitations.