SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Derivatives Limitations Act of
1995''.

SEC. 2. INSURED DEPOSITORY INSTITUTIONS.

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

``SEC. 45. DERIVATIVE INSTRUMENTS.

    ``(a) Derivatives Activities.--
            ``(1) General prohibition.--Except as provided in paragraph
        (2), neither an insured depository institution, nor any
        affiliate thereof, may purchase, sell, or engage in any
        transaction involving a derivative financial instrument for the
        account of that institution or affiliate.
            ``(2) Exceptions.--
                    ``(A) Hedging transactions.--An insured depository
                institution may purchase, sell, or engage in hedging
                transactions to the extent that such activities are
                approved by rule, regulation, or order of the
                appropriate Federal banking agency issued in accordance
                with paragraph (3).
                    ``(B) Separately capitalized affiliate.--A
                separately capitalized affiliate of an insured
                depository institution that is not itself an insured
                depository institution may purchase, sell, or engage in
                a transaction involving a derivative financial
                instrument if such affiliate complies with all rules,
                regulations, or orders of the appropriate Federal
                banking agency issued in accordance with paragraph (3).
                    ``(C) De minimis interests.--An insured depository
                institution may purchase, sell, or engage in
                transactions involving de minimis interests in
                derivative financial instruments for the account of
                that institution to the extent that such activity is
                defined and approved by rule, regulation, or order of
                the appropriate Federal banking agency issued in
                accordance with paragraph (3).
                    ``(D) Existing interests.--During the 3-month
                period beginning on the date of enactment of this
                section, nothing in this section shall be construed--
                            ``(i) as affecting an interest of an
                        insured depository institution in any
                        derivative financial instrument that existed on
                        the date of enactment of this section; or
                            ``(ii) as restricting the ability of the
                        institution to acquire reasonably related
                        interests in other derivative financial
                        instruments for the purpose of resolving or
                        terminating an interest of the institution in
                        any derivative financial instrument that
                        existed on the date of enactment of this
                        section.
            ``(3) Issuance of rules, regulations, and orders.--The
        appropriate Federal banking agency shall issue appropriate
        rules, regulations, and orders governing the exceptions
        provided for in paragraph (2), including--
                    ``(A) appropriate public notice requirements;
                    ``(B) a requirement that any affiliate described in
                paragraph (2)(B) shall clearly and conspicuously notify
                the public that none of the assets of the affiliate,
                nor the risk of loss associated with the transaction
                involving a derivative financial instrument, are
                insured under Federal law or otherwise guaranteed by
                the Federal Government or the parent company of the
                affiliate; and
                    ``(C) any other requirements that the appropriate
                Federal banking agency considers to be appropriate.
    ``(b) Definitions.--For purposes of this section--
            ``(1) the term `derivative financial instrument' means--
                    ``(A) an instrument the value of which is derived
                from the value of stocks, bonds, other loan
                instruments, other assets, interest or currency
                exchange rates, or indexes, including qualified
                financial contracts (as defined in section 11(e)(8));
                and
                    ``(B) any other instrument that an appropriate
                Federal banking agency determines, by regulation or
                order, to be a derivative financial instrument for
                purposes of this section; and
            ``(2) the term `hedging transaction' means any transaction
        involving a derivative financial instrument if--
                    ``(A) such transaction is entered into in the
                normal course of the institution's business primarily--
                            ``(i) to reduce risk of price change or
                        currency fluctuations with respect to property
                        that is held or to be held by the institution;
                        or
                            ``(ii) to reduce risk of interest rate or
                        price changes or currency fluctuations with
                        respect to loans or other investments made or
                        to be made, or obligations incurred or to be
                        incurred, by the institution; and
                    ``(B) before the close of the day on which such
                transaction was entered into (or such earlier time as
                the appropriate Federal banking agency may prescribe by
                regulation), the institution clearly identifies such
                transaction as a hedging transaction.''.

SEC. 3. INSURED CREDIT UNIONS.

    Title II of the Federal Credit Union Act (12 U.S.C. 1781 et seq.)
is amended by adding at the end the following new section:

``SEC. 215. DERIVATIVE INSTRUMENTS.

    ``(a) Derivative Activities.--Except as provided in subsection (b),
neither an insured credit union, nor any affiliate thereof, may
purchase, sell, or engage in any transaction involving a derivative
financial instrument.
    ``(b) Applicability of Section 44 of the Federal Deposit Insurance
Act.--Section 44 of the Federal Deposit Insurance Act shall apply with
respect to insured credit unions and affiliates thereof and to the
Board in the same manner that such section applies to insured
depository institutions and affiliates thereof (as those terms are
defined in section 3 of that Act) and shall be enforceable by the Board
with respect to insured credit unions and affiliates under this Act.
    ``(c) Derivative Financial Instrument.--For purposes of this
section, the term `derivative financial instrument' means--
            ``(1) an instrument the value of which is derived from the
        value of stocks, bonds, other loan instruments, other assets,
        interest or currency exchange rates, or indexes, including
        qualified financial contracts (as such term is defined in
        section 207(c)(8)(D)); and
            ``(2) any other instrument that the Board determines, by
        regulation or order, to be a derivative financial instrument
        for purposes of this section.''.

SEC. 4. BANK HOLDING COMPANIES.

    Section 3 of the Bank Holding Company Act of 1956 (12 U.S.C. 1842)
is amended by adding at the end the following new subsection:
    ``(h) Derivatives Activities.--
            ``(1) In general.--A subsidiary of a bank holding company
        may purchase, sell, or engage in any transaction involving a
        derivative financial instrument for the account of that
        subsidiary if that subsidiary--
                    ``(A) is not an insured depository institution or a
                subsidiary of an insured depository institution; and
                    ``(B) is separately capitalized from any affiliated
                insured depository institution.
            ``(2) Applicability of section 44 of the federal deposit
        insurance act.--Section 44 of the Federal Deposit Insurance Act
        shall apply with respect to bank holding companies and the
        Board in the same manner that those subsections apply to an
        insured depository institution (as such term is defined in
        section 3 of that Act) and shall be enforceable by the Board
        with respect to bank holding companies under this Act.
            ``(3) Derivative financial instrument.--For purposes of
        this subsection, the term `derivative financial instrument'
        means--
                    ``(A) an instrument the value of which is derived
                from the value of stocks, bonds, other loan
                instruments, other assets, interest or currency
                exchange rates, or indexes, including qualified
                financial contracts (as such term is defined in section
                207(c)(8)(D)); and
                    ``(B) any other instrument that the Board
                determines, by regulation or order, to be a derivative
                financial instrument for purposes of this
                subsection.''.

Summary: Derivatives Limitations Act of 1995 - Amends the Federal Deposit Insurance Act to prohibit an insured depository institution from engaging in any transaction involving a derivative financial instrument either for its own account, or that of an affiliate. Permits exceptions for: (1) hedging transactions, (2) a separately capitalized affiliate of an insured depository institution. And (3) transactions involving de minimis interest in derivative financial instruments sanctioned by a Federal banking regulatory agency. Requires the appropriate Federal banking agency to promulgate rules governing such exceptions. Amends the Federal Credit Union Act to prohibit an insured credit union and any affiliates from engaging in derivative financial instruments transactions. Subjects credit unions and their affiliates to the interstate bank merger provisions of the Federal Deposit Insurance Act. Amends the Bank Holding Company Act of 1956 to allow a bank holding company subsidiary to engage in derivative financial instrument transactions for its own account if it: (1) is not an insured depository institution or a subsidiary of one. And (2) is separately capitalized from any affiliated insured depository institution. Subjects bank holding companies to the interstate bank merger provisions of the Federal Deposit Insurance Act.

Derivatives Limitations Act of 1995


SECTION 1. SHORT TITLE.

    This Act may be cited as the ``HUD Programs Information
Verification Act''.

SEC. 2. HUD DATA MATCH WITH NATIONAL DIRECTORY OF NEW HIRES.

    (a) Information Comparisons for Public and Assisted Housing
Programs.--Section 453(j) of the Social Security Act (42 U.S.C. 653(j))
is amended by adding at the end the following new paragraph:
            ``(7) Information comparisons for housing assistance
        programs.--
                    ``(A) Furnishing of information by hud.--Subject to
                subparagraph (G), the Secretary of Housing and Urban
                Development shall furnish to the Secretary, on such
                periodic basis as determined by the Secretary of
                Housing and Urban Development in consultation with the
                Secretary, information in the custody of the Secretary
                of Housing and Urban Development for comparison with
                information in the National Directory of New Hires, in
                order to obtain information in such Directory with
                respect to individuals who are participating in any
                program under--
                            ``(i) the United States Housing Act of 1937
                        (42 U.S.C. 1437 et seq.);
                            ``(ii) section 202 of the Housing Act of
                        1959 (12 U.S.C. 1701q);
                            ``(iii) section 221(d)(3), 221(d)(5), or
                        236 of the National Housing Act (12 U.S.C.
                        1715l(d) and 1715z-1);
                            ``(iv) section 811 of the Cranston-Gonzalez
                        National Affordable Housing Act (42 U.S.C.
                        8013); or
                            ``(v) section 101 of the Housing and Urban
                        Development Act of 1965 (12 U.S.C. 1701s).
                    ``(B) Requirement to seek minimum information.--The
                Secretary of Housing and Urban Development shall seek
                information pursuant to this section only to the extent
                necessary to verify the employment and income of
                individuals described in subparagraph (A).
                    ``(C) Duties of the secretary.--
                            ``(i) Information disclosure.--The
                        Secretary, in cooperation with the Secretary of
                        Housing and Urban Development, shall compare
                        information in the National Directory of New
                        Hires with information provided by the
                        Secretary of Housing and Urban Development with
                        respect to individuals described in
                        subparagraph (A), and shall disclose
                        information in such Directory regarding such
                        individuals to the Secretary of Housing and
                        Urban Development, in accordance with this
                        paragraph, for the purposes specified in this
                        paragraph.
                            ``(ii) Condition on disclosure.--The
                        Secretary shall make disclosures in accordance
                        with clause (i) only to the extent that the
                        Secretary determines that such disclosures do
                        not interfere with the effective operation of
                        the program under this part.
                    ``(D) Use of information by hud.--The Secretary of
                Housing and Urban Development may use information
                resulting from a data match pursuant to this paragraph
                only--
                            ``(i) for the purpose of verifying the
                        employment and income of individuals described
                        in subparagraph (A); and
                            ``(ii) after removal of personal
                        identifiers, to conduct analyses of the
                        employment and income reporting of individuals
                        described in subparagraph (A).
                    ``(E) Disclosure of information by hud.--
                            ``(i) Purpose of disclosure.--The Secretary
                        of Housing and Urban Development may make a
                        disclosure under this subparagraph only for the
                        purpose of verifying the employment and income
                        of individuals described in subparagraph (A).
                            ``(ii) Disclosures permitted.--Subject to
                        clause (iii), the Secretary of Housing and
                        Urban Development may disclose information
                        resulting from a data match pursuant to this
                        paragraph only to a public housing agency, the
                        Inspector General of the Department of Housing
                        and Urban Development, and the Attorney General
                        in connection with the administration of a
                        program described in subparagraph (A).
                        Information obtained by the Secretary of
                        Housing and Urban Development pursuant to this
                        paragraph shall not be made available under
                        section 552 of title 5, United States Code.
                            ``(iii) Conditions on disclosure.--
                        Disclosures under this paragraph shall be--
                                    ``(I) made in accordance with data
                                security and control policies
                                established by the Secretary of Housing
                                and Urban Development and approved by
                                the Secretary;
                                    ``(II) subject to audit in a manner
                                satisfactory to the Secretary; and
                                    ``(III) subject to the sanctions
                                under subsection (l)(2).
                            ``(iv) Additional disclosures.--
                                    ``(I) Determination by
                                secretaries.--The Secretary of Housing
                                and Urban Development and the Secretary
                                shall determine whether to permit
                                disclosure of information under this
                                paragraph to persons or entities
                                described in subclause (II), based on
                                an evaluation made by the Secretary of
                                Housing and Urban Development (in
                                consultation with and approved by the
                                Secretary), of the costs and benefits
                                of disclosures made under clause (ii)
                                and the adequacy of measures used to
                                safeguard the security and
                                confidentiality of information so
                                disclosed.
                                    ``(II) Permitted persons or
                                entities.--If the Secretary of Housing
                                and Urban Development and the Secretary
                                determine pursuant to subclause (I)
                                that disclosures to additional persons
                                or entities shall be permitted,
                                information under this paragraph may be
                                disclosed by the Secretary of Housing
                                and Urban Development to a private
                                owner, a management agent, and a
                                contract administrator in connection
                                with the administration of a program
                                described in subparagraph (A), subject
                                to the conditions in clause (iii) and
                                such additional conditions as agreed to
                                by the Secretaries.
                            ``(v) Restrictions on redisclosure.--A
                        person or entity to which information is
                        disclosed under this subparagraph may use or
                        disclose such information only as needed for
                        verifying the employment and income of
                        individuals described in subparagraph (A),
                        subject to the conditions in clause (iii) and
                        such additional conditions as agreed to by the
                        Secretaries.
                    ``(F) Reimbursement of hhs costs.--The Secretary of
                Housing and Urban Development shall reimburse the
                Secretary, in accordance with subsection (k)(3), for
                the costs incurred by the Secretary in furnishing the
                information requested under this paragraph.
                    ``(G) Consent.--The Secretary of Housing and Urban
                Development shall not seek, use, or disclose
                information under this paragraph relating to an
                individual without the prior written consent of such
                individual (or of a person legally authorized to
                consent on behalf of such individual).''.
    (b) Consent to Information Comparison and Use as Condition of Hud
Program Eligibility.--As a condition of participating in any program
authorized under--
            (1) the United States Housing Act of 1937 (42 U.S.C. 1437
        et seq.);
            (2) section 202 of the Housing Act of 1959 (12 U.S.C.
        1701q);
            (3) section 221(d)(3), 221(d)(5), or 236 of the National
        Housing Act (12 U.S.C. 1715l(d) and 1715z-1);
            (4) section 811 of the Cranston-Gonzalez National
        Affordable Housing Act (42 U.S.C. 8013); or
            (5) section 101 of the Housing and Urban Development Act of
        1965 (12 U.S.C. 1701s),
the Secretary of Housing and Urban Development may require consent by
an individual (or by a person legally authorized to consent on behalf
of such individual) for such Secretary to obtain, use, and disclose
information with respect to such individual in accordance with section
453(j)(7) of the Social Security Act (42 U.S.C. 653(j)(7)).

Summary: HUD Programs Information Verification Act - Amends part D of title IV of the Social Security Act to provide for public and assisted housing-related employment and income data comparisons between the Department of Housing and Urban Development and the Department of Health and Human Services' National Directory of New Hires. Sets forth data disclosure and use limitations.

To reduce overpayments of subsidies in Department of Housing and Urban Development housing assistance programs by providing for more accurate verification of employment and income of participants in such programs.


SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Strengthening Child Welfare Response
to Trafficking Act of 2014''.

SEC. 2. CAPTA AMENDMENTS.

    Section 106 of the Child Abuse Prevention and Treatment Act (42
U.S.C. 5106a) is amended--
            (1) in subsection (b)--
                    (A) in paragraph (2)(B)--
                            (i) by striking ``and'' at the end of
                        clause (xxii); and
                            (ii) by adding at the end the following:
                            ``(xxiv) provisions and procedures to
                        identify and assess reports involving children
                        who are sex trafficking victims, and which may
                        include provisions and procedures to identify
                        and assess reports involving children who are
                        victims of severe forms of trafficking in
                        persons described in section of 103(9)(B) of
                        the Trafficking Victims Protection Act of 2000
                        (22 U.S.C. 7102(9)(B));
                            ``(xxv) provisions and procedures for
                        training representatives of the State child
                        protective services systems about identifying
                        and assessing children who are sex trafficking
                        victims, and which may include provisions and
                        procedures for such training with respect to
                        children who are victims of severe forms of
                        trafficking in persons described in section of
                        103(9)(B) of the Trafficking Victims Protection
                        Act of 2000 (22 U.S.C. 7102(9)(B)); and
                            ``(xxvi) provisions and procedures for
                        identifying services (including the services
                        provided by State law enforcement officials,
                        the State juvenile justice system, and social
                        service agencies, such as runaway and homeless
                        youth shelters) and procedures for appropriate
                        referral to address the needs of children who
                        are sex trafficking victims, and which may
                        include provisions and procedures for the
                        identification of such services and procedures
                        with respect to children who are victims of
                        severe forms of trafficking in persons
                        described in section of 103(9)(B) of the
                        Trafficking Victims Protection Act of 2000 (22
                        U.S.C. 7102(9)(B));'';
                    (B) in paragraph (2)(D)--
                            (i) by striking ``and'' at the end of
                        clause (v);
                            (ii) by inserting ``and'' at the end of
                        clause (vi); and
                            (iii) by adding at the end the following:
                            ``(vii) the provisions and procedures
                        described in clauses (xxiv) and (xxvi) of
                        subparagraph (B);''; and
                    (C) in paragraph (4)--
                            (i) by striking ``and'' at the end of
                        subparagraph (A);
                            (ii) by striking the period at the end of
                        subparagraph (B) and inserting ``; and''; and
                            (iii) by adding at the end the following:
                    ``(C) Sex trafficking victim.--The term `sex
                trafficking victim' means a victim of--
                            ``(i) sex trafficking (as defined in
                        section 103(10) of the Trafficking Victims
                        Protection Act of 2000 (22 U.S.C. 7102(10)));
                        or
                            ``(ii) a severe form of trafficking in
                        persons described in section 103(9)(A) of such
                        Act (22 U.S.C. 7102(9)(A)).''; and
            (2) in subsection (d), by adding at the end the following:
            ``(17) The number of children identified under clause
        (xxiv) of subsection (b)(2)(B), and of such children--
                    ``(A) the number identified as sex trafficking
                victims (as defined in subsection (b)(4)(C)); and
                    ``(B) in the case of a State that has provisions
                and procedures to identify children who are victims of
                severe forms of trafficking in persons described in
                section 103(9)(B) of the Trafficking Victims Protection
                Act of 2000 (22 U.S.C. 7102(9)(B)), the number so
                identified.''.

SEC. 3. REPORT TO CONGRESS.

    (a) Report.--Not later than 1 year after the date of the enactment
of this Act, the Secretary of Health and Human Services shall submit to
the Committee on Education and the Workforce of the House of
Representatives and the Committee on Health, Education, Labor, and
Pension of the Senate, a report that--
            (1) describes the specific type and prevalence of severe
        form of trafficking in persons to which children who are
        identified for services or intervention under the placement,
        care, or supervision of State, Indian tribe, or tribal
        organization child welfare agencies have been subjected as of
        the date of enactment of this Act;
            (2) summarizes the practices and protocols utilized by
        States to identify and serve--
                    (A) under section 106(b)(2)(B) of the Child Abuse
                Prevention and Treatment Act (42 U.S.C.
                5106a(b)(2)(B)), children who are victims of
                trafficking; and
                    (B) children who are at risk of becoming victims of
                trafficking; and
            (3) specifies any barriers in Federal laws or regulations
        that may prevent identification and assessment of children who
        are victims of trafficking, including an evaluation of the
        extent to which States are able to address the needs of such
        trafficked children without altering the definition of child
        abuse and neglect under section 3 of the Child Abuse Prevention
        and Treatment Act (42 U.S.C. 5101 note).
    (b) Definitions.--For purposes of this section:
            (1) Severe form of trafficking in persons.--The term
        ``severe form of trafficking in persons'' has the meaning given
        the term in section 103(9) of the Trafficking Victims
        Protection Act of 2000 (22 U.S.C. 7102(9)).
            (2) Victim of trafficking.--The term ``victim of
        trafficking'' has the meaning given the term in section 103(15)
        of the Trafficking Victims Protection Act of 2000 (22 U.S.C.
        7102(15)).

            Passed the House of Representatives July 25, 2014.

            Attest:

                                                 KAREN L. HAAS,

                                                                 Clerk.

Summary: Strengthening Child Welfare Response to Trafficking Act of 2014 - Amends the Child Abuse Prevention and Treatment Act to condition eligibility to receive a state grant for child abuse or neglect prevention and treatment programs on inclusion in the state plan of a certification by the governor that the state has in effect and is enforcing a state law, or is operating a statewide program, that includes provisions and procedures to: (1) identify and assess reports involving children who are sex trafficking victims , (2) train representatives of the state child protective services about identifying and assessing such children, and (3) identify services and procedures for appropriate referral to address the needs of such children. Directs the Secretary of Health and Human Services (HHS) to report to Congress on: (1) the specific type and prevalence of severe forms of trafficking in persons to which children have been subjected who are identified for services or intervention under the placement, care, or supervision of state, Indian tribe, or tribal organization child welfare agencies. (2) the practices and protocols utilized by states to identify and serve children who are, or are at-risk of becoming, victims of trafficking. And (3) any barriers in federal laws or regulations that may prevent identification and assessment of children who are such victims.


SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Traumatic Brain Injury Act of
2008''.

SEC. 2. CONFORMING AMENDMENTS RELATING TO RESTRUCTURING.

    Part J of title III of the Public Health Service Act (42 U.S.C.
280b et seq.) is amended--
            (1) by redesignating the section 393B (42 U.S.C. 280b-1c)
        relating to the use of allotments for rape prevention
        education, as section 393A and moving such section so that it
        follows section 393;
            (2) by redesignating existing section 393A (42 U.S.C. 280b-
        1b) relating to prevention of traumatic brain injury, as
        section 393B; and
            (3) by redesignating the section 393B (42 U.S.C. 280b-1d)
        relating to traumatic brain injury registries, as section 393C.

SEC. 3. TRAUMATIC BRAIN INJURY PROGRAMS OF THE CENTERS FOR DISEASE
              CONTROL AND PREVENTION.

    (a) Prevention of Traumatic Brain Injury.--Clause (ii) of section
393B(b)(3)(A) of the Public Health Service Act, as so redesignated, (42
U.S.C. 280b-1b) is amended by striking ``from hospitals and trauma
centers'' and inserting ``from hospitals and emergency departments''.
    (b) National Program for Traumatic Brain Injury Surveillance and
Registries.--Section 393C of the Public Health Service Act, as so
redesignated, (42 U.S.C. 280b et seq.) is amended--
            (1) in the section heading, by inserting ``surveillance
        and'' after ``national program for traumatic brain injury'';
        and
            (2) in subsection (a), in the matter preceding paragraph
        (1), by striking ``may make grants'' and all that follows
        through ``to collect data concerning--'' and inserting ``may
        make grants to States or their designees to develop or operate
        the State's traumatic brain injury surveillance system or
        registry to determine the incidence and prevalence of traumatic
        brain injury and related disability, to ensure the uniformity
        of reporting under such system or registry, to link individuals
        with traumatic brain injury to services and supports, and to
        link such individuals with academic institutions to conduct
        applied research that will support the development of such
        surveillance systems and registries as may be necessary. A
        surveillance system or registry under this section shall
        provide for the collection of data concerning--''.
    (c) Report.--Section 393C of the Public Health Service Act (as so
redesignated) is amended by adding at the end the following:
    ``(b) Not later than 18 months after the date of enactment of the
Traumatic Brain Injury Act of 2008, the Secretary, acting through the
Director of the Centers for Disease Control and Prevention and the
Director of the National Institutes of Health and in consultation with
the Secretary of Defense and the Secretary of Veterans Affairs, shall
submit to the relevant committees of Congress a report that contains
the findings derived from an evaluation concerning activities and
procedures that can be implemented by the Centers for Disease Control
and Prevention to improve the collection and dissemination of
compatible epidemiological studies on the incidence and prevalence of
traumatic brain injury in those with traumatic brain injury who were
formerly in the military. The report shall include recommendations on
the manner in which such agencies can further collaborate on the
development and improvement of traumatic brain injury diagnostic tools
and treatments.''.

SEC. 4. STUDY ON TRAUMATIC BRAIN INJURY.

    Part J of title III of the Public Health Service Act (42 U.S.C.
280b et seq.) is amended by inserting after section 393C, as so
redesignated, the following:

``SEC. 393C-1. STUDY ON TRAUMATIC BRAIN INJURY.

    ``(a) Study.--The Secretary, acting through the Director of the
Centers for Disease Control and Prevention with respect to paragraph
(1) and in consultation with the Director of the National Institutes of
Health and other appropriate entities with respect to paragraphs (2),
(3), and (4), may conduct a study with respect to traumatic brain
injury for the purpose of carrying out the following:
            ``(1) In collaboration with appropriate State and local
        health-related agencies--
                    ``(A) determining the incidence of traumatic brain
                injury and prevalence of traumatic brain injury related
                disability and the clinical aspects of the disability
                in all age groups and racial and ethnic minority groups
                in the general population of the United States,
                including institutional settings, such as nursing
                homes, correctional facilities, psychiatric hospitals,
                child care facilities, and residential institutes for
                people with developmental disabilities; and
                    ``(B) reporting national trends in traumatic brain
                injury.
            ``(2) Identifying common therapeutic interventions which
        are used for the rehabilitation of individuals with such
        injuries, and, subject to the availability of information,
        including an analysis of--
                    ``(A) the effectiveness of each such intervention
                in improving the functioning, including return to work
                or school and community participation, of individuals
                with brain injuries;
                    ``(B) the comparative effectiveness of
                interventions employed in the course of rehabilitation
                of individuals with brain injuries to achieve the same
                or similar clinical outcome; and
                    ``(C) the adequacy of existing measures of outcomes
                and knowledge of factors influencing differential
                outcomes.
            ``(3) Identifying interventions and therapies that can
        prevent or remediate the development of secondary neurologic
        conditions related to traumatic brain injury.
            ``(4) Developing practice guidelines for the rehabilitation
        of traumatic brain injury at such time as appropriate
        scientific research becomes available.
    ``(b) Dates Certain for Reports.--If the study is conducted under
subsection (a), the Secretary shall, not later than 3 years after the
date of the enactment of the Traumatic Brain Injury Act of 2008, submit
to Congress a report describing findings made as a result of carrying
out such subsection (a).
    ``(c) Definition.--For purposes of this section, the term
`traumatic brain injury' means an acquired injury to the brain. Such
term does not include brain dysfunction caused by congenital or
degenerative disorders, nor birth trauma, but may include brain
injuries caused by anoxia due to trauma including near drowning. The
Secretary may revise the definition of such term as the Secretary
determines necessary.''.

SEC. 5. TRAUMATIC BRAIN INJURY PROGRAMS OF THE NATIONAL INSTITUTES OF
              HEALTH.

    Section 1261 of the Public Health Service Act (42 U.S.C. 300d-61)
is amended--
            (1) in subsection (b)(2), by striking ``Labor and Human
        Resources'' and inserting ``Health, Education, Labor, and
        Pensions'';
            (2) in subparagraph (D) of subsection (d)(4), by striking
        ``head brain injury'' and inserting ``brain injury''; and
            (3) in subsection (i), by inserting ``, and such sums as
        may be necessary for each of the fiscal years 2009 through
        2012'' before the period at the end.

SEC. 6. TRAUMATIC BRAIN INJURY PROGRAMS OF THE HEALTH RESOURCES AND
              SERVICES ADMINISTRATION.

    (a) State Grants for Demonstration Projects Regarding Traumatic
Brain Injury.--Section 1252 of the Public Health Service Act (42 U.S.C.
300d-52) is amended--
            (1) in subsection (a)--
                    (A) by striking ``may make grants to States'' and
                inserting ``may make grants to States and American
                Indian consortia''; and
                    (B) by striking ``health and other services'' and
                inserting ``rehabilitation and other services'';
            (2) in subsection (b)--
                    (A) in paragraphs (1), (3)(A)(i), (3)(A)(iii), and
                (3)(A)(iv), by striking the term ``State'' each place
                such term appears and inserting the term ``State or
                American Indian consortium''; and
                    (B) in paragraph (2), by striking ``recommendations
                to the State'' and inserting ``recommendations to the
                State or American Indian consortium'';
            (3) in subsection (c)(1), by striking the term ``State''
        each place such term appears and inserting ``State or American
        Indian consortium'';
            (4) in subsection (e), by striking ``A State that
        received'' and all that follows through the period and
        inserting ``A State or American Indian consortium that received
        a grant under this section prior to the date of the enactment
        of the Traumatic Brain Injury Act of 2008 may complete the
        activities funded by the grant.'';
            (5) in subsection (f)--
                    (A) in the subsection heading, by inserting ``and
                American Indian Consortium'' after ``State'';
                    (B) in paragraph (1) in the matter preceding
                subparagraph (A), paragraph (1)(E), paragraph (2)(A),
                paragraph (2)(B), paragraph (3) in the matter preceding
                subparagraph (A), paragraph (3)(E), and paragraph
                (3)(F), by striking the term ``State'' each place such
                term appears and inserting ``State or American Indian
                consortium''; and
                    (C) in clause (ii) of paragraph (1)(A), by striking
                ``children and other individuals'' and inserting
                ``children, youth, and adults'';
            (6) in subsection (h)--
                    (A) by striking ``Not later than 2 years after the
                date of the enactment of this section, the Secretary''
                and inserting ``Not less than biennially, the
                Secretary'';
                    (B) by striking ``Commerce of the House of
                Representatives, and to the Committee on Labor and
                Human Resources'' and inserting ``Energy and Commerce
                of the House of Representatives, and to the Committee
                on Health, Education, Labor, and Pensions''; and
                    (C) by inserting ``and section 1253'' after
                ``programs established under this section,'';
            (7) by amending subsection (i) to read as follows:
    ``(i) Definitions.--For purposes of this section:
            ``(1) The terms `American Indian consortium' and `State'
        have the meanings given to those terms in section 1253.
            ``(2) The term `traumatic brain injury' means an acquired
        injury to the brain. Such term does not include brain
        dysfunction caused by congenital or degenerative disorders, nor
        birth trauma, but may include brain injuries caused by anoxia
        due to trauma. The Secretary may revise the definition of such
        term as the Secretary determines necessary, after consultation
        with States and other appropriate public or nonprofit private
        entities.''; and
            (8) in subsection (j), by inserting ``, and such sums as
        may be necessary for each of the fiscal years 2009 through
        2012'' before the period.
    (b) State Grants for Protection and Advocacy Services.--Section
1253 of the Public Health Service Act (42 U.S.C. 300d-53) is amended--
            (1) in subsections (d) and (e), by striking the term
        ``subsection (i)'' each place such term appears and inserting
        ``subsection (l)'';
            (2) in subsection (g), by inserting ``each fiscal year not
        later than October 1,'' before ``the Administrator shall pay'';
            (3) by redesignating subsections (i) and (j) as subsections
        (l) and (m), respectively;
            (4) by inserting after subsection (h) the following:
    ``(i) Data Collection.--The Administrator of the Health Resources
and Services Administration and the Commissioner of the Administration
on Developmental Disabilities shall enter into an agreement to
coordinate the collection of data by the Administrator and the
Commissioner regarding protection and advocacy services.
    ``(j) Training and Technical Assistance.--
            ``(1) Grants.--For any fiscal year for which the amount
        appropriated to carry out this section is $6,000,000 or
        greater, the Administrator shall use 2 percent of such amount
        to make a grant to an eligible national association for
        providing for training and technical assistance to protection
        and advocacy systems.
            ``(2) Definition.--In this subsection, the term `eligible
        national association' means a national association with
        demonstrated experience in providing training and technical
        assistance to protection and advocacy systems.
    ``(k) System Authority.--In providing services under this section,
a protection and advocacy system shall have the same authorities,
including access to records, as such system would have for purposes of
providing services under subtitle C of the Developmental Disabilities
Assistance and Bill of Rights Act of 2000.''; and
            (5) in subsection (l) (as redesignated by this subsection)
        by striking ``2002 through 2005'' and inserting ``2009 through
        2012''.

Summary: Traumatic Brain Injury Act of 2008 - Amends the Public Health Service Act to revise the national program for traumatic brain injury registries to make grants for state traumatic brain injury surveillance systems or registries to: (1) determine the incidence and prevalence of traumatic brain injury and related disability. (2) ensure the uniformity of reporting under each such system or registry. (3) link individuals with traumatic brain injury to services and supports. And (4) link such individuals with academic institutions to conduct applied research. Requires the Secretary of Health and Human Services, acting through the Director of the Centers for Disease Control and Prevention (CDC) and the Director of the National Institutes of Health (NIH), to report to the relevant congressional committees on activities and procedures that can be implemented by the CDC to improve the collection and dissemination of compatible epidemiological studies on the incidence and prevalence of traumatic brain injury in those who were formerly in the military. Authorizes the Secretary, acting through the Director of CDC, to conduct a study to: (1) determine the incidence of traumatic brain injury and prevalence of traumatic brain injury related disability, (2) report national trends in traumatic brain injury. (3) identify common therapeutic interventions which are used for the rehabilitation of individuals with such injuries. (4) identify interventions and therapies that can prevent or remediate the development of secondary neurologic conditions related to traumatic brain injury. And (5) develop practice guidelines for such rehabilitation. Authorizes appropriations for FY2009-FY2012 for NIH's trauma research program. Allows the Secretary, acting through the Administrator of the Health Resources Services Administration (HRSA), to make grants to states and American Indian consortia to improve access to rehabilitation and other services regarding traumatic brain injury. Authorizes appropriations for such grants for FY2009-FY2012. Requires the Administrator and the Commissioner of the Administration on Developmental Disabilities to coordinate the collection of data regarding protection and advocacy services. Directs the Administrator to make a grant for training and technical assistance to protection and advocacy systems, if funds permit. Authorizes appropriations for FY2009-FY2012.

To provide for the expansion and improvement of traumatic brain injury programs.


SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Green River National Wildlife Refuge
Act of 2002''.

SEC. 2. FINDINGS.

    Congress finds that--
            (1) the Green River bottoms area, Kentucky, was once part
        of a large bottomland hardwood forest;
            (2) most of the bottoms area has been converted to
        agricultural use through--
                    (A) draining of wetland;
                    (B) altering of interior drainage systems; and
                    (C) clearing of bottomland hardwood forest;
            (3) as of the date of enactment of this Act, the bottoms
        area is predominantly ridge and swale farmland, with river-scar
        oxbows, several sloughs, wet depression areas, and a small
        quantity of bottomland hardwood forest;
            (4) approximately 1,200 acres of bottomland hardwood forest
        remain, consisting mostly of cypress, willow, hackberry, silver
        maple, ash, and buttonbush;
            (5) many of the interior drainage systems on the land offer
        excellent opportunities to restore, with minor modifications,
        the historical hydrology, wetland, and bottomland hardwood
        forest of the bottoms area to high-quality wildlife habitats;
            (6) in the bottoms area, waterfowl occur in large numbers
        when sufficient water levels occur, primarily when flood
        conditions from the Ohio River and the Green River negate the
        extensive drainages and alterations made by man;
            (7) the wooded and shrub tracts of the bottoms area are
        used by many species of nongame neotropical migratory birds;
            (8) migratory shorebirds use the bottoms area during spring
        migrations;
            (9) wading birds such as snipe, great blue heron, green
        heron, common egret, and great egret frequent the bottoms area;
            (10) bald eagles and myriad other raptors frequent the
        bottoms area;
            (11) several species listed as endangered or threatened
        species under the Endangered Species Act of 1973 (16 U.S.C.
        1531 et seq.) have been found near the bottoms area, including
        Indiana bat maternity colonies, fanshell, pink mucket pearly
        mussel, and fat pocketbook;
            (12) several species of mussel listed as endangered or
        threatened species under that Act historically occurred near
        the bottoms area, including purple cat's paw pearly mussel,
        tubercled-blossom pearly mussel, ring pink, and white wartyback
        pearly mussel;
            (13) the copperbelly water snake, covered by the
        Copperbelly Water Snake Conservation Plan, is found in the
        wetland complex and buttonbush shrub in the Scuffletown area;
            (14) significant populations of resident game species,
        including white-tailed deer, swamp rabbit, cottontail rabbit,
        gray squirrel, mink, muskrat, beaver, fox, and coyote, occur in
        the bottoms area;
            (15) the Ohio River and the Green River are important
        habitat for big river species such as paddlefish, sturgeon,
        catfish, carp, buffalo, and gar;
            (16) conservation, enhancement, and ecological restoration
        of the bottoms area through inclusion in the National Wildlife
        Refuge System would help meet the habitat conservation goals
        of--
                    (A) the North American Waterfowl Management Plan;
                    (B) the Lower Mississippi Joint Venture;
                    (C) the Interior Low Plateaus Bird Conservation
                Plan; and
                    (D) the Copperbelly Water Snake Conservation Plan;
            (17) the valuable complex of wetland habitats comprising
        the bottoms area, with its many forms of wildlife, has
        extremely high recreational value for hunters, anglers,
birdwatchers, nature photographers, and others; and
            (18) the Green River bottoms area is deserving of inclusion
        in the National Wildlife Refuge System.

SEC. 3. PURPOSE.

    The purpose of this Act is to establish the Green River National
Wildlife Refuge in the Green River bottoms area, Henderson County,
Kentucky, to provide--
            (1) habitat for migrating and wintering waterfowl;
            (2) habitat for nongame land birds;
            (3) habitats for a natural diversity of fish and wildlife;
            (4) nesting habitat for wood ducks and other locally
        nesting migratory waterfowl;
            (5) high-quality hunting and sportfishing opportunities;
        and
            (6) opportunities for environmental education,
        interpretation, and wildlife-oriented recreation.

SEC. 4. DEFINITIONS.

    In this Act:
            (1) Refuge.--The term ``Refuge'' means the Green River
        National Wildlife Refuge established under section 5.
            (2) Secretary.--The term ``Secretary'' means the Secretary
        of the Interior.

SEC. 5. ESTABLISHMENT.

    (a) Establishment.--
            (1) In general.--The Secretary shall establish the Green
        River National Wildlife Refuge, consisting of approximately
        23,000 acres of Federal land, water, and interests in land or
        water within the boundaries depicted on the map entitled
        ``Green River National Wildlife Refuge'', dated September 10,
        2001.
            (2) Boundary revisions.--The Secretary shall make such
        minor revisions of the boundaries of the Refuge as are
        appropriate to carry out the purposes of the Refuge or to
        facilitate the acquisition of land, water, and interests in
        land or water within the Refuge.
            (3) Availability of map.--The map referred to in paragraph
        (1) shall be available for inspection in appropriate offices of
        the United States Fish and Wildlife Service.
    (b) Effective Date.--The establishment of the Refuge shall take
effect on the date on which the Secretary publishes, in the Federal
Register and publications of local circulation in the vicinity of the
Refuge, a notice that sufficient property has been acquired by the
United States within the Refuge to constitute an area that can be
efficiently managed as a national wildlife refuge.

SEC. 6. ACQUISITION OF LAND, WATER, AND INTERESTS IN LAND OR WATER.

    (a) In General.--Subject to the availability of appropriations, the
Secretary may obtain by purchase from willing sellers, donation, or
exchange up to 23,000 acres of land and water, or interests in land or
water, within the boundaries of the Refuge described in section
5(a)(1).
    (b) Inclusion in Refuge.--Any land, water, or interest acquired by
the Secretary under this section shall be part of the Refuge.

SEC. 7. ADMINISTRATION.

    In administering the Refuge, the Secretary shall--
            (1) conserve, enhance, and restore the native aquatic and
        terrestrial community characteristics of the Green River
        (including associated fish, wildlife, and plant species);
            (2) conserve, enhance, and restore habitat to maintain and
        assist in the recovery of species of animals and plants that
        are listed as endangered species or threatened species under
        the Endangered Species Act of 1973 (16 U.S.C. 1531 et seq.);
            (3) in providing opportunities for compatible fish- and
        wildlife-oriented recreation, ensure that hunting, fishing,
        wildlife observation and photography, and environmental
        education and interpretation are the priority general public
        uses of the Refuge, in accordance with paragraphs (3) and (4)
        of section 4(a) of the National Wildlife Refuge System
        Administration Act of 1966 (16 U.S.C. 668dd(a)); and
            (4) encourage the use of volunteers and facilitate
        partnerships among the United States Fish and Wildlife Service,
        local communities, conservation organizations, and other non-
        Federal entities to promote--
                    (A) public awareness of the resources of the Refuge
                and the National Wildlife Refuge System; and
                    (B) public participation in the conservation of
                those resources.

SEC. 8. AUTHORIZATION OF APPROPRIATIONS.

    There are authorized to be appropriated such sums as are necessary
for--
            (1) the acquisition of land and water within the boundaries
        of the Refuge; and
            (2) the development, operation, and maintenance of the
        Refuge.

Summary: Green River National Wildlife Refuge Act of 2002 - Directs the Secretary of the Interior to establish, revise the boundaries of, and acquire land and water for the Green River National Wildlife Refuge in Kentucky. Requires the Secretary, in administering the Refuge, to: (1) conserve, enhance, and restore the native aquatic and terrestrial community characteristics of the Green River. (2) conserve, enhance, and restore habitat to maintain and assist in the recovery of animals and plants that are listed as endangered or threatened species. (3) ensure that hunting, fishing, wildlife observation and photography, and environmental education and interpretation are the priority general public uses of the Refuge. And (4) encourage the use of volunteers and facilitate partnerships among the US Fish and Wildlife Service, local communities, conservation organizations, and other non-Federal entities to promote public awareness of the refuge resources and public participation in resource conservation.

A bill to establish the Green River National Wildlife Refuge in the State of Kentucky.


SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Canyon Mountain Land Conveyance Act
of 2013''.

SEC. 2. DEFINITIONS.

    In this Act:
            (1) Federal land.--The term ``Federal land'' means the
        approximately 17,826 acres of Federal land, as generally
        depicted on the map entitled ``Canyon Mountain Land
        Conveyance'', and dated June 27, 2013.
            (2) Planning area.--The term ``planning area'' means land--
                    (A) administered by the Director of the Bureau of
                Land Management; and
                    (B) located in--
                            (i) the Coos Bay District;
                            (ii) the Eugene District;
                            (iii) the Medford District;
                            (iv) the Roseburg District;
                            (v) the Salem District; and
                            (vi) the Klamath Falls Resource Area of the
                        Lakeview District.
            (3) Definition of public domain land.--
                    (A) In general.--In this subsection, the term
                ``public domain land'' has the meaning given the term
                ``public lands'' in section 103 of the Federal Land
                Policy and Management Act of 1976 (43 U.S.C. 1702).
                    (B) Exclusion.--The term ``public domain land''
                does not include any land managed in accordance with
                the Act of August 28, 1937 (50 Stat. 874, chapter 876;
                43 U.S.C. 1181a et seq.).
            (4) Secretary.--The term ``Secretary'' means the Secretary
        of the Interior.
            (5) Tribe.--The term ``Tribe'' means the Cow Creek Band of
        Umpqua Tribe of Indians.

SEC. 3. CONVEYANCE.

    (a) In General.--Subject to valid existing rights, including
rights-of-way, all right, title, and interest of the United States in
and to the Federal land, including any improvements located on the
Federal land, appurtenances to the Federal land, and minerals on or in
the Federal land, including oil and gas, shall be--
            (1) held in trust by the United States for the benefit of
        the Tribe; and
            (2) part of the reservation of the Tribe.
    (b) Survey.--Not later than 180 days after the date of enactment of
this Act, the Secretary shall complete a survey of the boundary lines
to establish the boundaries of the land taken into trust under
subsection (a).

SEC. 4. MAP AND LEGAL DESCRIPTION.

    (a) In General.--As soon as practicable after the date of enactment
of this Act, the Secretary shall file a map and legal description of
the Federal land with--
            (1) the Committee on Energy and Natural Resources of the
        Senate; and
            (2) the Committee on Natural Resources of the House of
        Representatives.
    (b) Force and Effect.--The map and legal description filed under
subsection (a) shall have the same force and effect as if included in
this Act, except that the Secretary may correct any clerical or
typographical errors in the map or legal description.
    (c) Public Availability.--The map and legal description filed under
subsection (a) shall be on file and available for public inspection in
the Office of the Secretary.

SEC. 5. ADMINISTRATION.

    (a) In General.--Unless expressly provided in this Act, nothing in
this Act affects any right or claim of the Tribe existing on the date
of enactment of this Act to any land or interest in land.
    (b) Prohibitions.--
            (1) Exports of unprocessed logs.--Federal law (including
        regulations) relating to the export of unprocessed logs
        harvested from Federal land shall apply to any unprocessed logs
        that are harvested from the Federal land.
            (2) Non-permissible use of land.--Any real property taken
        into trust under section 3 shall not be eligible, or used, for
        any gaming activity carried out under Public Law 100-497 (25
        U.S.C. 2701 et seq.).

SEC. 6. FOREST MANAGEMENT.

    Any commercial forestry activity that is carried out on the Federal
land shall be managed in accordance with all applicable Federal laws.

SEC. 7. LAND RECLASSIFICATION.

    (a) Identification of Oregon and California Railroad Land.--Not
later than 180 days after the date of enactment of this Act, the
Secretary of Agriculture and the Secretary shall identify any land
owned by the Oregon and California Railroad that is conveyed under
section 3.
    (b) Identification of Public Domain Land.--Not later than 18 months
after the date of enactment of this Act, the Secretary shall identify
public domain land that--
            (1) is approximately equal in acreage and condition as the
        land identified under subsection (a); and
            (2) is located within the planning area.
    (c) Maps.--Not later than 2 years after the date of enactment of
this Act, the Secretary shall submit to Congress and publish in the
Federal Register 1 or more maps depicting the land identified in
subsections (a) and (b).
    (d) Reclassification.--
            (1) In general.--After providing an opportunity for public
        comment, the Secretary shall reclassify the land identified in
        subsection (b) as land owned by the Oregon and California
        Railroad.
            (2) Applicability.--The Act of August 28, 1937 (50 Stat.
        874, chapter 876; 43 U.S.C. 1181a et seq.) shall apply to land
        reclassified as land owned by the Oregon and California
        Railroad under paragraph (1)(B).

Summary: Canyon Mountain Land Conveyance Act of 2013 - Holds in trust for the Cow Creek Band of Umpqua Tribe of Indians (Tribe) all right, title, and interest of the United States in and to approximately 17,826 acres of federal land generally depicted on the map entitled quot, Canyon Mountain Land Conveyance,quot. Dated June 27, 2013. Makes that land part of the Tribe's reservation. Applies federal law relating to the export of unprocessed logs harvested from federal land to any unprocessed logs that are harvested from the federal land conveyed to the Tribe. Prohibits gaming on those lands. Directs the Secretary of the Interior to convey to the Oregon and California Railroad public domain land that is located within a specified planning area and is approximately equal in acreage and condition to Railroad land that this Act conveys to the Tribe.


SECTION 1. SHORT TITLE.

    This Act may be cited as the ``The Business Checking Fairness Act
of 2007''.

SEC. 2. INTEREST-BEARING TRANSACTION ACCOUNTS AUTHORIZED FOR ALL
              BUSINESSES.

    Section 2 of Public Law 93-100 (12 U.S.C. 1832) is amended--
            (1) by redesignating subsections (b) and (c) as subsections
        (c) and (d), respectively; and
            (2) by inserting after subsection (a) the following:
    ``(b) Notwithstanding any other provision of law, any depository
institution may permit the owner of any deposit or account which is a
deposit or account on which interest or dividends are paid and is not a
deposit or account described in subsection (a)(2) to make up to 24
transfers per month (or such greater number as the Board of Governors
of the Federal Reserve System may determine by rule or order), for any
purpose, to another account of the owner in the same institution. An
account offered pursuant to this subsection shall be considered a
transaction account for purposes of section 19 of the Federal Reserve
Act unless the Board of Governors of the Federal Reserve System
determines otherwise.''.

SEC. 3. INTEREST-BEARING TRANSACTION ACCOUNTS AUTHORIZED.

    (a) Repeal of Prohibition on Payment of Interest on Demand
Deposits.--
            (1) Federal reserve act.--Section 19(i) of the Federal
        Reserve Act (12 U.S.C. 371a) is amended to read as follows:
    ``(i) [Repealed]''.
            (2) Home owners' loan act.--The first sentence of section
        5(b)(1)(B) of the Home Owners' Loan Act (12 U.S.C.
        1464(b)(1)(B)) is amended by striking ``savings association may
        not--'' and all that follows through ``(ii) permit any'' and
        inserting ``savings association may not permit any''.
            (3) Federal deposit insurance act.--Section 18(g) of the
        Federal Deposit Insurance Act (12 U.S.C. 1828(g)) is amended to
        read as follows:
    ``(g) [Repealed]''.
    (b) Effective Date.--The amendments made by subsection (a) shall
take effect at the end of the 2-year period beginning on the date of
the enactment of this Act.

SEC. 4. RULES OF CONSTRUCTION.

    In the case of an escrow account maintained at a depository
institution for the purpose of completing the settlement of a real
estate transaction--
            (1) the absorption, by the depository institution, of
        expenses incidental to providing a normal banking service with
        respect to such escrow account;
            (2) the forbearance, by the depository institution, from
        charging a fee for providing any such banking function; and
            (3) any benefit which may accrue to the holder or the
        beneficiary of such escrow account as a result of an action of
        the depository institution described in subparagraph (1) or (2)
        or similar in nature to such action, including any benefits
        which have been so determined by the appropriate Federal
        regulator,
shall not be treated as the payment or receipt of interest for purposes
of this Act and any provision of Public Law 93-100, the Federal Reserve
Act, the Home Owners' Loan Act, or the Federal Deposit Insurance Act
relating to the payment of interest on accounts or deposits at
depository institutions. No provision of this Act shall be construed so
as to require a depository institution that maintains an escrow account
in connection with a real estate transaction to pay interest on such
escrow account or to prohibit such institution from paying interest on
such escrow account. No provision of this Act shall be construed as
preempting the provisions of law of any State dealing with the payment
of interest on escrow accounts maintained in connection with real
estate transactions.

SEC. 5. CONSUMER BANKING COSTS ASSESSMENT.

    (a) In General.--The Federal Reserve Act (12 U.S.C. 221 et seq.) is
amended--
            (1) by redesignating sections 30 and 31 as sections 31 and
        32, respectively; and
            (2) by inserting after section 29 the following new
        section:

``SEC. 30. SURVEY OF BANK FEES AND SERVICES.

    ``(a) Biennial Survey Required.--The Board of Governors of the
Federal Reserve System shall obtain biennially a sample, which is
representative by type and size of the institution (including small
institutions) and geographic location, of the following retail banking
services and products provided by insured depository institutions and
insured credit unions (along with related fees and minimum balances):
            ``(1) Checking and other transaction accounts.
            ``(2) Negotiable order of withdrawal and savings accounts.
            ``(3) Automated teller machine transactions.
            ``(4) Other electronic transactions.
    ``(b) Minimum Survey Requirement.--The biennial survey described in
subsection (a) shall meet the following minimum requirements:
            ``(1) Checking and other transaction accounts.--Data on
        checking and transaction accounts shall include, at a minimum,
        the following:
                    ``(A) Monthly and annual fees and minimum balances
                to avoid such fees.
                    ``(B) Minimum opening balances.
                    ``(C) Check processing fees.
                    ``(D) Check printing fees.
                    ``(E) Balance inquiry fees.
                    ``(F) Fees imposed for using a teller or other
                institution employee.
                    ``(G) Stop payment order fees.
                    ``(H) Nonsufficient fund fees.
                    ``(I) Overdraft fees.
                    ``(J) Fees imposed in connection with bounced-check
                protection and overdraft protection programs.
                    ``(K) Deposit items returned fees.
                    ``(L) Availability of no-cost or low-cost accounts
                for consumers who maintain low balances.
            ``(2) Negotiable order of withdrawal accounts and savings
        accounts.--Data on negotiable order of withdrawal accounts and
        savings accounts shall include, at a minimum, the following:
                    ``(A) Monthly and annual fees and minimum balances
                to avoid such fees.
                    ``(B) Minimum opening balances.
                    ``(C) Rate at which interest is paid to consumers.
                    ``(D) Check processing fees for negotiable order of
                withdrawal accounts.
                    ``(E) Fees imposed for using a teller or other
                institution employee.
                    ``(F) Availability of no-cost or low-cost accounts
                for consumers who maintain low balances.
            ``(3) Automated teller transactions.--Data on automated
        teller machine transactions shall include, at a minimum, the
        following:
                    ``(A) Monthly and annual fees.
                    ``(B) Card fees.
                    ``(C) Fees charged to customers for withdrawals,
                deposits, and balance inquiries through institution-
                owned machines.
                    ``(D) Fees charged to customers for withdrawals,
                deposits, and balance inquiries through machines owned
                by others.
                    ``(E) Fees charged to noncustomers for withdrawals,
                deposits, and balance inquiries through institution-
                owned machines.
                    ``(F) Point-of-sale transaction fees.
            ``(4) Other electronic transactions.--Data on other
        electronic transactions shall include, at a minimum, the
        following:
                    ``(A) Wire transfer fees.
                    ``(B) Fees related to payments made over the
                Internet or through other electronic means.
            ``(5) Other fees and charges.--Data on any other fees and
        charges that the Board of Governors of the Federal Reserve
        System determines to be appropriate to meet the purposes of
        this section.
            ``(6) Federal reserve board authority.--The Board of
        Governors of the Federal Reserve System may cease the
        collection of information with regard to any particular fee or
        charge specified in this subsection if the Board makes a
        determination that, on the basis of changing practices in the
        financial services industry, the collection of such information
        is no longer necessary to accomplish the purposes of this
        section.
    ``(c) Biennial Report to Congress Required.--
            ``(1) Preparation.--The Board of Governors of the Federal
        Reserve System shall prepare a report of the results of each
        survey conducted pursuant to subsections (a) and (b) of this
        section and section 136(b)(1) of the Consumer Credit Protection
        Act.
            ``(2) Contents of the report.--In addition to the data
        required to be collected pursuant to subsections (a) and (b),
        each report prepared pursuant to paragraph (1) shall include a
        description of any discernible trend, in the Nation as a whole,
        in a representative sample of the 50 States (selected with due
        regard for regional differences), and in each consolidated
        metropolitan statistical area (as defined by the Director of
        the Office of Management and Budget), in the cost and
        availability of the retail banking services, including those
        described in subsections (a) and (b) (including related fees
        and minimum balances), that delineates differences between
        institutions on the basis of the type of institution and the
        size of the institution, between large and small institutions
        of the same type, and any engagement of the institution in
        multistate activity.
            ``(3) Submission to the congress.--The Board of Governors
        of the Federal Reserve System shall submit an biennial report
        to the Congress not later than June 1, 2009, and before the end
        of each 2-year period beginning after such date.
    ``(d) Definitions.--For purposes of this section, the term `insured
depository institution' has the meaning given such term in section 3 of
the Federal Deposit Insurance Act, and the term `insured credit union'
has the meaning given such term in section 101 of the Federal Credit
Union Act.''.
    (b) Conforming Amendment.--
            (1) In general.--Paragraph (1) of section 136(b) of the
        Truth in Lending Act (15 U.S.C. 1646(b)(1)) is amended to read
        as follows:
            ``(1) Collection required.--The Board shall collect, on a
        semiannual basis, from a broad sample of financial institutions
        which offer credit card services, credit card price and
        availability information including--
                    ``(A) the information required to be disclosed
                under section 127(c);
                    ``(B) the average total amount of finance charges
                paid by consumers; and
                    ``(C) the following credit card rates and fees:
                            ``(i) Application fees.
                            ``(ii) Annual percentage rates for cash
                        advances and balance transfers.
                            ``(iii) Maximum annual percentage rate that
                        may be charged when an account is in default.
                            ``(iv) Fees for the use of convenience
                        checks.
                            ``(v) Fees for balance transfers.
                            ``(vi) Fees for foreign currency
                        conversions.''.
            (2) Effective date.--The amendment made by paragraph (1)
        shall take effect on January 1, 2008.
    (c) Repeal of Other Report Provisions.--Section 1002 of Financial
Institutions Reform, Recovery, and Enforcement Act of 1989 and section
108 of the Riegle-Neal Interstate Banking and Branching Efficiency Act
of 1994 are hereby repealed.

Summary: Business Checking Fairness Act of 2007 - Amends federal law to authorize interest-bearing or dividend-bearing transaction accounts for all businesses, permitting up to 24 transfers per month to another account of the owner in the same institution. Amends the Federal Reserve Act, the Home Owners' Loan Act, and the Federal Deposit Insurance Act to repeal the prohibition against the payment of interest on demand deposits. Amends the Federal Reserve Act to require the Board to survey biennially and report biennially to Congress on bank fees and certain services. Amends the Financial Institutions Reform, Recovery, and Enforcement Act of 1989, and the Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994, to repeal certain reporting requirements. Cites practices which shall not be treated as payment or receipt of interest if they relate to an escrow account maintained at a depository institution in connection with a real estate transaction.

To repeal the prohibition on the payment of interest on demand deposits, and for other purposes.


SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Iran Nuclear Nonproliferation Act''.

SEC. 2. FINDINGS.

    Congress finds the following:
            (1) Numerous bi-partisan commissions and study groups,
        including the Iraq Study Group co-chaired by James A. Baker III
        and Lee H. Hamilton, a 2004 working group established under the
        Council on Foreign Relations and co-chaired by Robert Gates and
        Zbigniew Brzezinski, and a 2001 Atlantic Council of the United
        States Working Group, co-chaired by Lee H. Hamilton, James
        Schlesinger, and Brent Scowcroft have called for various forms
        of dialogue and engagement with Iran in order to achieve United
        States strategic interests in the Middle East region.
            (2) Implementing effective strategies to deflect or deter
        Iran from acquiring nuclear weapons, or pursuing the
        development of nuclear weapons capabilities, is an important
        United States strategic interest.
            (3) Establishing a diplomatic dialogue with the Government
        of Iran and deepening relationships with the Iranian people
        would help foster greater understanding between the people of
        Iran and the people of the United States and would enhance the
        stability and security of the Persian Gulf region, including by
        reducing the threat of the proliferation or use of nuclear
        weapons in the region, while advancing other United States
        foreign policy objectives in that region.
            (4) The Iraq Study Group Report states ``Iran's interests
        would not be served by a failure of U.S. policy that led to
        chaos and the territorial disintegration of the Iraqi state'',
        and therefore, the Government of the United States should build
        upon this mutual interest to develop a diplomatic dialogue with
        the Government of Iran concerning deteriorating conditions in
        Iraq, which can become a basis of broader future United States-
        Iranian engagement.
            (5) Given the dispersal of Iran's nuclear program at sites
        throughout the country and their proximity to urban centers,
        the use of military force against Iran would be extraordinarily
        difficult and probably ineffective, the immediate consequences
        and loss of life would be drastic, and the long-term
        instability generated would be against long-term United States
        interests in the region.
            (6) Any military action designed to eliminate Iran's
        capacity to produce nuclear weapons would run the significant
        risk of reinforcing and accelerating the desire of the
        Government of Iran to acquire a nuclear deterrent and
        compounding nationalist passions in defense of that very
        course, and would most likely also generate hostile Iranian
        initiatives in Iraq and Afghanistan.
            (7) Together, the ongoing efforts of the International
        Atomic Energy Agency (IAEA) along with corresponding
        multilateral sanctions recently adopted by the United Nations
        Security Council offer a viable path for steering Iran's
        nuclear efforts along peaceful lines, provided that there is
        close multilateral coordination and steadfastness in the
        adherence to the sanctions and firm United States leadership in
        support of the multilateral effort.
            (8) According to the most definitive United States
        intelligence reports, Iran is likely a decade away from
        acquiring the know-how and material to have an option to build
        a nuclear weapon, and even the most pessimistic analysis by
        outside experts puts the timeline at least three years away,
        assuming Iran suffers no setbacks during development, which
        would be unprecedented.

SEC. 3. SENSE OF CONGRESS.

    It is the sense of Congress that--
            (1) full diplomatic, political, and economic relations
        between the United States and Iran cannot be normalized unless
        and until enforceable safeguards are put in place to prevent
        weaponization of Iran's nuclear program and the Government of
        Iran ends its support for international terrorist groups, but
        the attainment of these policy objectives should not constitute
        preconditions for any diplomatic dialogue; and
            (2) no congressional authorization for the use of military
        force in any Act of Congress enacted before the date of the
        enactment of this Act constitutes, either implicitly or
        explicitly, an authorization for the use of military force
        against Iran or its nuclear program.

SEC. 4. STATEMENT OF POLICY.

    It is the policy of the United States not to enter into a
preemptive war against Iran in the absence of an imminent threat, and
then only in accordance with international law and constitutional and
statutory requirements for congressional authorization.

SEC. 5. LIMITATION ON USE OF FUNDS.

    No funds appropriated or otherwise made available to the Department
of Defense or any other department or agency of the Government of the
United States may be used to carry out any covert action for the
purpose of causing regime change in Iran or to carry out any military
action against Iran in the absence of an imminent threat, in accordance
with international law and constitutional and statutory requirements
for congressional authorization.

Summary: Iran Nuclear Nonproliferation Act - Expresses the sense of Congress that: (1) full diplomatic, political, and economic relations between the United States and Iran cannot be normalized unless enforceable safeguards are put in place to prevent weaponization of Iran's nuclear program and the government of Iran ends its support for international terrorist groups, but the attainment of these objectives should not constitute preconditions for any diplomatic dialogue. And (2) no congressional authorization for the use of military force in any Act enacted before the date of enactment of this Act constitutes an authorization for the use of military force against Iran or its nuclear program. States as the policy of the United States not to enter into a preemptive war against Iran in the absence of an immediate threat, and then only in accordance with international law and constitutional and statutory requirements for congressional authorization. Prohibits funds available to the Department of Defense (DOD) or any other federal department or agency from being used to carry out any covert action for the purpose of causing regime change in Iran or to carry out any military action against Iran in the absence of an imminent threat.

To prohibit the use of funds to carry out any covert action for the purpose of causing regime change in Iran or to carry out any military action against Iran in the absence of an imminent threat, in accordance with international law and constitutional and statutory requirements for congressional authorization.


SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Ensuring Full Use of Federal Health
Care Funding Act of 2014''.

SEC. 2. RECOUPMENT AND REALLOCATION OF FEDERAL SECTION 1311 ACA GRANT
              FUNDS.

    Section 1311(a) of the Patient Protection and Affordable Care Act
(42 U.S.C. 18031(a)) is amended--
            (1) in paragraph (1), by inserting before the period at the
        end the following: ``and to make grants under paragraph (7) to
        qualified entities in a State from funds recouped under
        paragraph (6) from that State'';
            (2) in paragraph (2), by adding at the end the following:
        ``Not later than May 1, 2014, the Secretary shall determine the
        recoupment amount under paragraph (6) for each State and the
        amounts that will be made so available for grants under
        paragraph (7) for qualified entities in each State.'';
            (3) in paragraph (3), by adding at the end the following:
        ``A qualified entity awarded a grant under paragraph (7) shall
        use such grant for activities consistent with subparagraph (C)
        of such paragraph.''; and
            (4) by adding at the end the following new paragraphs:
            ``(6) Recoupment of unexpended funds.--
                    ``(A) In general.--Subject to subparagraph (B), the
                Secretary shall recoup any funds awarded to a State
                under this subsection to the extent that such funds are
                not obligated by the State for expenditure before April
                1, 2014.
                    ``(B) Exception.--The Secretary may, in the
                Secretary's discretion, decide not to recoup the funds
                of a State under subparagraph (A) if the State has
                submitted to the Secretary and the Secretary has
                approved, before March 31, 2014, a plan for spending
                such funds in accordance with this subsection in a
                timely manner.
            ``(7) Application of recouped funds for grants to other
        entities within a state.--
                    ``(A) In general.--Insofar as the Secretary recoups
                funds under paragraph (6) from a State, the Secretary
                shall use all such funds to make grants, before the
                beginning of the open enrollment period for 2015, to
                qualified entities under subparagraph (B) to carry out
                activities in the State consistent with subparagraph
                (C).
                    ``(B) Eligibility.--
                            ``(i) In general.--To be eligible to
                        receive a grant under this paragraph with
                        respect to a State, an entity shall demonstrate
                        to the Secretary that the entity--
                                    ``(I) has (or can readily and on a
                                timely basis establish) relationships
                                with employers and employees, consumers
                                (including uninsured and underinsured
                                consumers), or self-employed
                                individuals in the State that are
                                likely to be qualified to enroll in
                                coverage options made available through
                                an Exchange in the State;
                                    ``(II) is capable of carrying out
                                the activities described in
                                subparagraph (C) for which a grant is
                                being granted;
                                    ``(III) meets the standards
                                described in clause (iii); and
                                    ``(IV) provides information
                                consistent with standards developed
                                under clause (iv).
                            ``(ii) Types of qualified entities.--Such
                        an entity may be a trade, industry, and
                        professional association, commercial fishing
                        industry organization, ranching and farming
                        organization, community and consumer-focused
                        nonprofit group, chamber of commerce, union,
                        resource partner of the Small Business
                        Administration, and other licensed insurance
                        agent or broker, and another entity, so long as
                        it meets the requirements of clause (i).
                            ``(iii) Entity standards.--The Secretary
                        shall establish standards for qualified
                        entities under this subparagraph relating to
                        their qualification to engage in the outreach,
                        education, and enrollment activities described
                        in subparagraph (C) and to avoid conflicts of
                        interest. Under such standards, a qualified
                        entity shall not--
                                    ``(I) be a health insurance issuer;
                                or
                                    ``(II) receive any consideration
                                directly or indirectly from any health
                                insurance issuer in connection with the
                                enrollment of any qualified individuals
                                or employees of a qualified employer in
                                a qualified health plan.
                            ``(iv) Fair and impartial information and
                        services.--The Secretary shall develop
                        standards to ensure that information made
                        available by qualified entities under a grant
                        under this paragraph is fair, accurate, and
                        impartial.
                    ``(C) Use of grants.--Grants under this paragraph
                may be used for any of the purposes or activities for
                which a grant to a State under this subsection may be
                used, including the following:
                            ``(i) Non-navigator assistance personnel.--
                        To build and fund operations of an in-person
                        assistance personnel (IPA) program (also known
                        as `non-Navigator assistance personnel').
                            ``(ii) Outreach.--To coordinate with other
                        health and human services organizations in the
                        State to broaden outreach (such as Marketplace
                        information on applications for other programs,
                        websites, emails or through IPA call centers)
                        to individuals eligible to enroll in qualified
                        health plans through the Exchange operating in
                        the State.
                            ``(iii) Marketing.--To produce and
                        disseminate marketing and campaign materials,
                        including brochures, direct mail, print ads,
                        social media and digital and online ads, and TV
                        and radio buys, such materials subject to
                        approval by the Secretary.''.

Summary: Ensuring Full Use of Federal Health Care Funding Act of 2014 - Amends the Patient Protection and Affordable Care Act to direct the Secretary of Health and Human Services (HHS) to recoup any funds awarded to a state to establish health care exchanges to the extent the state has not obligated them for expenditure before April 1, 2014. Allows the Secretary, however, not to recoup such funds from a state if the state has approved, before March 31, 2014, a plan to spend them for such exchanges in a timely manner. Requires the Secretary to use any recouped funds to make grants to qualified entities to: (1) build and fund operations of an in-person assistance personnel (IPA) program. (2) coordinate with other health and human services organizations in the state to broaden outreach to individuals eligible to enroll in qualified health plans through the exchange operating in the state. And (3) produce and disseminate marketing and campaign materials, subject to the Secretary's approval. Requires a qualified entity to: (1) have relationships with employers and employees, consumers , or self-employed individuals in the state that are likely to be qualified to enroll in coverage options made available through a health care exchange in the state, (2) be capable of carrying out grant activities. And (3) meet specified standards. Lists as types of qualified entities: (1) a trade, industry, and professional association, (2) a commercial fishing industry organization, (3) a ranching and farming organization, (4) a community and consumer-focused nonprofit group, (5) a chamber of commerce, (6) a union, (7) a resource partner of the Small Business Administration (SBA), (8) a licensed insurance agent or broker, and (9) any other entity that meets the qualification standards.