SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Troop Talent Act of 2013''.

SEC. 2. FINDINGS.

    Congress makes the following findings:
            (1) According to the Bureau of Labor Statistics, the
        unemployment rate for recent veterans of military operations in
        Iraq and Afghanistan was 9.4 percent in February 2013, compared
        with 7.6 percent in February 2012.
            (2) With the unemployment rate among such veterans higher
        than the national average and the number of veterans receiving
        unemployment benefits doubling since 2002, there is a
        significant need to assist members of the Armed Forces as they
        transition to the civilian workforce.
            (3) In order to remain competitive in the civilian
        employment market, members of the Armed Forces and veterans
        require information about how their military skill sets
        translate to the requirements of the civilian workforce.
        Members of the Armed Forces currently receive insufficient or
        inadequate information during their training for military
        occupational specialties on translating skills obtained during
        such training to civilian occupations and credentials.
            (4) In addition, there is a need for enhanced access by
        accredited credentialing agencies to military training
        curricula in order to facilitate and enhance the correlation
        between military training and applicable civilian credentialing
        courses and exams.
            (5) The information technology sector is one of the fastest
        growing industries, with tremendous job growth and demand for
        talented, qualified individuals. The information technology
        sector has an unemployment rate of 3.5 percent according to a
        Bureau of Labor Statistics report from February 2013.
            (6) The Bureau of Labor Statistics projects a need for
        110,000 computer support specialists over the next decade.
        Currently, the size of the information technology workforce in
        the Armed Forces is about 160,000 members.

SEC. 3. ENHANCEMENT OF MECHANISMS TO CORRELATE SKILLS AND TRAINING FOR
              MILITARY OCCUPATIONAL SPECIALTIES WITH SKILLS AND
              TRAINING REQUIRED FOR CIVILIAN CERTIFICATIONS AND
              LICENSES.

    (a) Improvement of Information Available to Members of the Armed
Forces About Correlation.--
            (1) In general.--The Secretaries of the military
        departments, in coordination with the Under Secretary of
        Defense for Personnel and Readiness, shall, to the maximum
        extent practicable, make information on civilian credentialing
        opportunities available to members of the Armed Forces
        beginning with, and at every stage of, training of members for
        military occupational specialties, in order to permit members--
                    (A) to evaluate the extent to which such training
                correlates with the skills and training required in
                connection with various civilian certifications and
                licenses; and
                    (B) to assess the suitability of such training for
                obtaining or pursuing such civilian certifications and
                licenses.
            (2) Coordination with transition goals plans success
        program.--Information shall be made available under paragraph
        (1) in a manner consistent with the Transition Goals Plans
        Success (GPS) program.
            (3) Types of information.--The information made available
        under paragraph (1) shall include, but not be limited to, the
        following:
                    (A) Information on the civilian occupational
                equivalents of military occupational specialties (MOS).
                    (B) Information on civilian license or
                certification requirements, including examination
                requirements.
                    (C) Information on the availability and
                opportunities for use of educational benefits available
                to members of the Armed Forces, as appropriate,
                corresponding training, or continuing education that
                leads to a certification exam in order to provide a
                pathway to credentialing opportunities.
            (4) Use and adaptation of certain programs.--In making
        information available under paragraph (1), the Secretaries of
        the military departments may use and adapt appropriate portions
        of the Credentialing Opportunities On-Line (COOL) programs of
        the Army and the Navy and the Credentialing and Educational
        Research Tool (CERT) of the Air Force.
    (b) Improvement of Access of Accredited Civilian Credentialing
Agencies to Military Training Content.--
            (1) In general.--The Secretaries of the military
        departments, in coordination with the Under Secretary of
        Defense for Personnel and Readiness, shall, to the maximum
        extent practicable consistent with national security
        requirements, make available to accredited civilian
        credentialing agencies that issue certifications or licenses,
        upon request of such agencies, information such as military
        course training curricula, syllabi, and materials, levels of
        military advancement attained, and professional skills
        developed.
            (2) Central repository.--The actions taken pursuant to
        paragraph (1) may include the establishment of a central
        repository of information on training and training materials
        provided members in connection with military occupational
        specialties that is readily accessible by accredited civilian
        credentialing agencies described in that paragraph in order to
        meet requests described in that paragraph.

SEC. 4. USE OF EDUCATIONAL ASSISTANCE FOR COURSES IN PURSUIT OF
              CIVILIAN CERTIFICATIONS OR LICENSES.

    (a) Courses Under Department of Defense Educational Assistance
Authorities.--
            (1) In general.--Chapter 101 of title 10, United States
        Code, is amended by inserting after section 2015 the following
        new section:
``Sec. 2015a. Civilian certifications and licenses: use of educational
              assistance for courses in pursuit of civilian
              certifications or licenses
    ``(a) Limitation on Use of Assistance.--In the case of a member of
the armed forces who is enrolled in an educational institution in a
State for purposes of obtaining employment in an occupation or
profession requiring the approval or licensure of a board or agency of
that State, educational assistance specified in subsection (b) may be
used by the member for a course offered by the educational institution
that is a required element of the curriculum to be satisfied to obtain
employment in that occupation or profession only if--
            ``(1) the successful completion of the curriculum fully
        qualifies a student to--
                    ``(A) take any examination required for entry into
                the occupation or profession, including satisfying any
                State or professionally mandated programmatic and
                specialized accreditation requirements; and
                    ``(B) be certified or licensed or meet any other
                academically related pre-conditions that are required
                for entry into the occupation or profession; and
            ``(2) in the case of State licensing or professionally
        mandated requirements for entry into the occupation or
        profession that require specialized accreditation, the
        curriculum meets the requirement for specialized accreditation
        through its accreditation or pre-accreditation by an
        accrediting agency or association recognized by the Secretary
        of Education or designated by that State as a reliable
        authority as to the quality or training offered by the
        institution in that program.
    ``(b) Covered Educational Assistance.--The educational assistance
specified in this subsection is educational assistance as follows:
            ``(1) Educational assistance for members of the armed
        forces under section 2007 and 2015 of this title.
            ``(2) Educational assistance for persons enlisting for
        active duty under chapter 106A of this title.
            ``(3) Educational assistance for members of the armed
        forces held as captives under section 2183 of this title.
            ``(4) Educational assistance for members of the Selected
        Reserve under chapter 1606 of this title.
            ``(5) Educational assistance for reserve component members
        supporting contingency operations and other operations under
        chapter 1607 of this title.
            ``(6) Such other educational assistance provided members of
        the armed forces under the laws administered by the Secretary
        of Defense or the Secretaries of the military departments as
        the Secretary of Defense shall designate for purposes of this
        section.''.
            (2) Clerical amendment.--The table of sections at the
        beginning of chapter 101 of such title is amended by inserting
        after the item relating to section 2015 the following new item:

``2015a. Civilian certifications and licenses: use of educational
                            assistance for courses in pursuit of
                            civilian certifications or licenses.''.
    (b) Courses Under Educational Assistance Authorities Administered
by Secretary of Veterans Affairs.--Section 3679 of title 38, United
States Code, is amended by adding at the end the following new
subsection:
    ``(c) A course offered by an educational institution in a State
that is a required element of the curriculum to be satisfied to obtain
employment in an occupation or profession requiring the approval or
licensure of a board or agency of that State may be treated as approved
for purposes of this chapter by an individual seeking to obtain
employment in that occupation or profession only if--
            ``(1) the successful completion of the curriculum fully
        qualifies a student to--
                    ``(A) take any examination required for entry into
                the occupation or profession, including satisfying any
                State or professionally mandated programmatic and
                specialized accreditation requirements; and
                    ``(B) be certified or licensed or meet any other
                academically related pre-conditions that are required
                for entry into the occupation or profession; and
            ``(2) in the case of State licensing or professionally
        mandated requirements for entry into the occupation or
        profession that require specialized accreditation, the
        curriculum meets the requirement for specialized accreditation
        through its accreditation or pre-accreditation by an
        accrediting agency or association recognized by the Secretary
        of Education or designated by that State as a reliable
        authority as to the quality or training offered by the
        institution in that program.''.
    (c) Effective Date.--The amendments made by this section shall take
effect on August 1, 2014, and shall apply with respect to courses
pursued on or after that date.

SEC. 5. COVERAGE OF MILITARY OCCUPATIONAL SPECIALTIES RELATING TO
              MILITARY INFORMATION TECHNOLOGY UNDER PILOT PROGRAM ON
              RECEIPT OF CIVILIAN CREDENTIALS FOR SKILLS REQUIRED FOR
              MILITARY OCCUPATIONAL SPECIALTIES.

    The military occupational specialties designated for purposes of
the pilot program on receipt of civilian credentials for skills
required for military occupational specialties under section 558 of the
National Defense Authorization Act for Fiscal Year 2012 (10 U.S.C. 2015
note) shall include military occupational specialties relating to the
military information technology workforce.

SEC. 6. REVIVAL OF PROFESSIONAL CERTIFICATION AND LICENSURE ADVISORY
              COMMITTEE OF THE DEPARTMENT OF VETERANS AFFAIRS.

    (a) In General.--The Secretary of Veterans Affairs shall
reestablish the Professional Certification and Licensure Advisory
Committee of the Department of Veterans Affairs provided for under
section 3689(e) of title 38, United States Code. The Committee shall be
reestablished in accordance with the provisions of such section
3689(e), as amended by subsection (b), and shall carry out its duties
in conformance with, and subject to the requirements of such section,
as so amended.
    (b) Modification of Authorities and Requirements.--Section 3689(e)
of title 38, United States Code, is amended--
            (1) in paragraph (2)--
                    (A) by inserting ``(A)'' after ``(2)''; and
                    (B) by adding at the end the following new
                subparagraph:
    ``(B) In addition to the duties under subparagraph (A), the
Committee shall--
            ``(i) develop, in coordination with other appropriate
        agencies, guidance to be used by the Department or other
        entities to perform periodic audits of licensure and
        certification programs to ensure the highest quality education
        is available to veterans and members of the Armed Forces; and
            ``(ii) develop, in coordination with the Department of
        Defense, appropriate certification agencies, and other
        appropriate non-profit organizations, a plan to improve
        outreach to veterans and members of the Armed Forces on the
        importance of licensing and certification, as well as
        educational benefits available to them.'';
            (2) in paragraph (3)(B), by striking ``and the Secretary of
        Defense'' and inserting ``the Secretary of Defense, and the
        Secretary of Education'';
            (3) in paragraph (4), by striking subparagraph (B) and
        inserting the following new subparagraph:
    ``(B) The Committee shall meet with such frequency as the Committee
determines appropriate.''; and
            (4) in paragraph (5), by striking ``December 31, 2006'' and
        inserting ``December 31, 2019''.
    (c) Report.--Not later than 180 days after the date of the
reestablishment of the Professional Certification and Licensure
Advisory Committee of the Department of Veterans Affairs pursuant to
this section, the Committee shall submit to Congress a report setting
forth an assessment of the feasibility and advisability of permitting
members of the Armed Forces to use educational assistance to which they
are entitled under chapters 30 and 33 of title 38, United States Code,
to obtain or pursue civilian employment certifications or licenses
without the use of such assistance for that purpose being charged
against the entitlement of such members to such educational assistance.

Summary: Troop Talent Act of 2013 - Directs the Secretaries of the military departments, to the maximum extent practicable, to make information on civilian credentialing opportunities available to members of the Armed Forces (members) beginning with, and at every stage of, their training for military occupational specialities, in order to permit such members to: (1) evaluate the extent to which such training correlates with skills and training required for various civilian certifications and licenses, and (2) assess the suitability of such training for obtaining and pursuing such certifications and licenses. Requires the information made available to: (1) be consistent with the Transition Goals Plans Success program, and (2) include information on the civilian occupational equivalents of military occupational specialties. Requires such Secretaries to make available to civilian credentialing agencies specified information on the content of military training provided to members. Allows members or veterans to use educational assistance provided through the Department of Defense (DOD) or the Department of Veterans Affairs (VA) in pursuit of a civilian certification or license only if the successful completion of a curriculum fully qualifies such student to take the appropriate examination and be certified or licensed to meet any other academic conditions required for entry into that occupation or profession. Requires the military occupational specialties designated for a military skills to civilian credentialing pilot program under the National Defense Authorization Act for Fiscal Year 2012 to include those specialties relating to the military information technology workforce. Directs the VA Secretary to reestablish the Professional Certification and Licensure Advisory Committee . Provides additional Committee duties, including the development of: (1) guidance for audits of licensure and certification programs in order to ensure high-quality education to members and veterans, and (2) a plan to improve outreach to members and veterans on the importance of licensing and certification and the availability of educational benefits.

Troop Talent Act of 2013


SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Taxpayer's Right To View Act of
1993''.

SEC. 2. FINDINGS.

    The Congress finds the following:
            (1) The Federal Communications Commission predicts a
        diminished role for broadcast television and a more prominent
        role for cable television including pay-per-view.
            (2) Roughly 18,800,000 American homes are equipped to
        receive pay-per-view and this number is expected to increase to
        35,900,000 by 1996. Overall pay-per-view revenue is expected to
        reach $1,100,000,000 by 1996.
            (3) There is a growing trend toward making events available
        exclusively on pay-per-view.
            (4) As this trend develops, whether the consumer has access
        to these events will be determined by the ability of the
        consumer to pay.
            (5) Professional sports leagues are beginning to see pay-
        per-view as a new revenue source to keep pace with escalating
        player salaries.
            (6) As a result, some media analysts predict that several
        of broadcast television's premier sports attractions eventually
        will migrate to pay-per-view.
            (7) Limited access to viewing such events as the ``Super
        Bowl'' or ``World Series'' would deprive citizens of the
        ability to enjoy these events which are inherent in the
        American tradition.
            (8) The majority of facilities in which such events are
        held are funded through taxpayer money.
            (9) It is unfair that taxpayers, who subsidize the
        construction and maintenance of many of these facilities,
        should have to pay an additional pay-per-view charge for
        viewing these events.
            (10) Nonprofit and public organizations including public
        and private educational institutions and their athletic
        organizations are exempt from the corporate income tax.
            (11) Furthermore, corporations can deduct their donations
        to college sporting events as charitable contributions.
            (12) Tax exempt status is granted to these nonprofit and
        public organizations by the Federal Government and it is unfair
        to allow those who use this status to engage in pay-per-view
        telecasting--thus forcing taxpayers to pay again.
            (13) It is unfair that taxpayers, who subsidize the
        construction and maintenance of many of these facilities,
        should have to pay an additional pay-per-view charge for
        viewing these events.
            (14) Therefore, Congress should ensure that all taxpaying
        citizens have free access to events that are sponsored by
        organizations with nonprofit tax exempt status and those events
        held in taxpayer subsidized facilities.

SEC. 3. PAY-PER-VIEW CHARGES PROHIBITED.

    Section 623 of the Communications Act of 1934 (47 U.S.C. 543) is
amended by adding at the end thereof the following new subsection:
    ``(i)(1) Notwithstanding any other provision of this title, a cable
operator may not assess or collect any separate charges for any video
programming of a sporting, theatrical, or other entertainment event if
that event is performed at a facility constructed, renovated, or
maintained with tax revenues or by an organization that receives public
financial support.
    ``(2) The Commission and local franchising authorities are
authorized to make determinations concerning the applicability of the
prohibition contained in paragraph (1). In making such determinations--
            ``(A) a facility shall be considered to have been
        constructed, maintained, or renovated with tax revenues if--
                    ``(i) tax exempt financing was used to construct,
                maintain, or renovate the facility,
                    ``(ii) the facility was constructed on land donated
                by a government, or leased by a government at below
                market rates, or
                    ``(iii) public infrastructure or public service for
                the facility are provided by the government at below
                market rates, with the exception of police, fire, and
                rescue services;
            ``(B) an event is performed by a nonprofit or public
        organization that receives tax subsidies if the event is
        sponsored by, or includes the participation of a team that is a
        part of, an organization--
                    ``(i) that is exempt from Federal income taxes
                under section 501 of the Internal Revenue Code of 1986,
                or
                    ``(ii) that is exempt from Federal income taxes
                under section 115 of the Internal Revenue Code of 1986,
                and to which donations are tax deductible under such
                Code; and
            ``(C) notwithstanding subparagraph (A), a facility shall
        not be considered to have been constructed with tax revenues if
        the government has been reimbursed, through the proceeds of a
        sale of the facility or otherwise, for the total amount of the
        tax revenues that were used to construct the facility, as
        determined under subparagraph (A), but in this section shall be
        construed to exempt facilities from this subsection if the
        facility is receiving current financial support.
    ``(3) The Commission shall prescribe, by regulation, procedures for
the administration of this subsection.''.

Summary: Taxpayer's Right to View Act of 1993 - Amends the Communications Act of 1934 to prohibit a cable operator from assessing separate charges for any video programming of a sporting, theatrical, or other entertainment event if that event is performed at a facility constructed, renovated, or maintained with tax revenues or by an organization that receives public financial support. Authorizes the Federal Communications Commission and local franchising authorities to make determinations concerning the applicability of such prohibition. Sets forth conditions under which a facility is considered to have been constructed, maintained, or renovated with tax revenues. Considers events performed by nonprofit or public organizations that receive tax subsidies to be subject to this Act if the event is sponsored by, or includes the participation of a team that is part of, a tax exempt organization.

Taxpayer's Right to View Act of 1993


SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Full-Service Schools Act''.

SEC. 2. FINDINGS AND PURPOSES.

    (a) Congressional Findings.--The Congress finds that--
            (1) one in five children entering school in 1993 lives in
        poverty;
            (2) students from poor families are three times more likely
        to drop out of school than students from more advantaged homes;
            (3) nearly 40 percent of the females who drop out of school
        do so as a result of pregnancy;
            (4) in the past two decades, the percentage of women with
        children under the age of six who are working or seeking
        employment outside the home has nearly doubled;
            (5) more than 8 million children in this country have no
        form of health insurance which may lead to untreated
        conditions, unnecessary diseases and death;
            (6) more than 70 percent of the children who need
        psychiatric treatment do not receive services;
            (7) children who are victims of child abuse, poverty,
        malnutrition, lack of health care, alcohol and drug abuse are
        at risk for failure;
            (8) without health and social intervention, at-risk
        children are often unable to improve academic performance; and
            (9) to obtain improvements in the educational system, an
        integrated system which includes comprehensive health and human
        services for at-risk children and their families is necessary.
    (b) Purpose.--It is the purpose of this Act--
            (1) to integrate service delivery systems to provide
        comprehensive public education, training, health and human
        services to at-risk children at locations accessible to and
        utilized by such children and their families;
            (2) to achieve systemic reform at the Federal, State, and
        local levels and to restructure service delivery at the local
        level; and
            (3) to improve the educational performance of at-risk
        children.

SEC. 3. ESTABLISHMENT OF FEDERAL INTERAGENCY WORK GROUP.

    (a) In General.--There is established the Federal Interagency Work
Group composed of the Secretaries of Education, Health and Human
Services, and Labor and funded equally by the departments of the
representative Secretaries to facilitate collaboration between agencies
and to mobilize Federal policy to achieve systemic reform to meet the
comprehensive needs of at-risk children and to provide grants to the
States and local entities to develop similar programs at the State and
local levels.
    (b) Duties.--The Group shall--
            (1) assist Federal, State, and local agencies in
        developing, implementing, and evaluating service integration
        programs under this Act;
            (2) to the greatest extent possible, coordinate agency
        resources and funding allowing for the consolidation of Federal
        categorical programs, when requests for such waivers are made;
            (3) establish and maintain a national data base that
        includes the collaborative efforts of the Government, the
        States, local entities, and private entities to serve at-risk
        children;
            (4) make grants to the States to develop an interagency
        work group and fund local efforts to integrate services for at-
        risk youth and their families;
            (5) determine the amounts of each grant by considering how
        many local project sites the State interagency group can
        reasonably target with not more than $200,000 allocated to a
        site; and
            (6) waive certain Federal requirements that impede
        collaborative efforts if such waivers will result in a more
        efficient use of resources.
    (c) Fiscal Agent.--The Secretary of Education shall act as the
fiscal agent for the Group.

SEC. 4. STATE ELIGIBILITY.

    To be eligible to receive a grant under this Act, a State shall--
            (1) establish a State interagency work group between, at a
        minimum, the departments at the State level that provide public
        education and health and human services;
            (2) develop preservice and inservice training that assists
        staff members to understand the communities in which they work
        and the full array of resources that are available to help at-
        risk children and their families;
            (3) require equal financial or in-kind contributions by the
        departments referred to in paragraph (1);
            (4) state as a goal the integration of existing funding
        sources from the departments represented;
            (5) designate a fiscal agent to be responsible for the
        receipt and disbursement of Federal funds;
            (6) provide assurances that successful programs will be
        used as models and that information regarding program successes
        are disseminated throughout the State; and
            (7) assist local entities in developing interagency
        agreements at the local level.

SEC. 5. LOCAL ELIGIBILITY.

    To be eligible to receive a grant under this Act, a local entity
shall--
            (1) develop a community planning process that includes--
                    (A) parents and family members;
                    (B) local school officials;
                    (C) officials from institutions of higher education
                if such institutions are located in the local area;
                    (D) public and private nonprofit organizations that
                provide health care, education, employment training
                services, child protective services or other human
                services; and
                    (E) teachers selected by a local teacher
                association;
            (2) develop mandatory services as recommended by the
        planning group under paragraph (1);
            (3) if located in a city with a population of 100,000 or
        more individuals--
                    (A) establish a local interagency work group
                between a local educational agency eligible for funds
                for chapter 1 of title I of the Elementary and
                Secondary Education Act of 1965 and, at a minimum, 1
                nonprofit community-based organization which has
                provided social services to low-income, at-risk youth
                and their families; and
                    (B) include parents in the operation and governance
                of the local interagency work group;
            (4) require equal financial or in-kind contributions of the
        local educational agency and entities represented;
            (5) give an assurance that such entity shall make a
        reasonable effort to initiate structural reform; and
            (6) designate a fiscal agent to receive funds from the
        State under this Act.

SEC. 6. APPLICATIONS.

    (a) State Applications.--(1) A State that desires to receive a
grant under this Act shall submit an application to the Federal
Interagency Work Group in such form and containing such information as
the Federal Interagency Work Group may reasonably require and which
includes--
            (A) assurances that the eligibility requirements under
        section 4 are or shall be met; and
            (B) program goals and objectives, including an
        approximation of use for the number of project sites per State.
    (2) The Federal Interagency Work Group shall give priority
consideration to States that include in the State interagency work
group, nonprofit agencies, and private profit agencies that have worked
with disadvantaged children and their families.
    (b) Local Applications.--A local entity that desires to receive a
grant under this Act shall submit an application to the State
interagency work group in such form and containing such information as
the State may reasonably require and which includes--
            (A) assurances that the eligibility requirements under
        section 5 are or shall be met; and
            (B) specifications regarding the targeted areas, goals of
        the community, interim progress goals and the intended
        outcomes.

SEC. 7. GRANT LIMITATIONS.

    (a) State Limitation.--A State interagency group that receives
funds under this Act may not use more than $100,000 or not more than 3
percent, whichever is less, of such funds for administrative and staff
costs to establish an interagency work group. The balance of such funds
shall be distributed to local entities.
    (b) Local Limitation.--A local educational agency that receives
funds under this Act may not use more than 5 percent of such funds for
administrative and staff costs to establish an interagency work group
and not more than $200,000 per site.

SEC. 8. PROGRAM ACTIVITIES.

    (a) Improvement Programs.--A local entity that receives funds under
this Act shall develop or expand programs that are designed to improve
educational performance by--
            (1) reducing school dropout rates;
            (2) reducing teenage pregnancy rates;
            (3) increasing the number of students who return to school
        after dropping out;
            (4) improving access to primary health care for families
        and their children;
            (5) increasing adult/family literacy; or
            (6) reducing the number of children in unsupervised
        settings before and after school, holidays, and during the
        summer months.
    (b) Optional Activities.--A local entity that receives funds under
this Act may develop a variety of programs to serve the comprehensive
needs of students, including--
            (1) job training and employment services;
            (2) homework assistance and after school programs;
            (3) mental health and family counseling;
            (4) nutrition education and services;
            (5) health care services;
            (6) bilingual education programs;
            (7) parental training programs; and
            (8) adult literacy programs.

SEC. 9. REPORTS.

    (a) Local Reports.--A local interagency work group that receives
funds under this Act shall submit to the State interagency work group
an annual report that describes and evaluates the services provided,
including costs and benefits of services, including progress toward
meeting goals and revised objectives.
    (b) State Reports.--A State interagency work group that receives
funds under this Act shall submit to the Federal Interagency Work Group
a report not later than the end of the second calendar year during
which funds are received that evaluates the effectiveness of local
programs in developing and maintaining integrated services for at-risk
children.
    (c) Federal Reports.--The Federal Interagency Work Group that
receives funds under this Act shall submit to the Congress a report not
later than three years after the date of the enactment of this Act that
includes a detailed analysis of student outcomes (such as dropout
rates, academic performance, and usage of drug and alcohol) and systems
outcomes (effectiveness of cooperative agreements between education and
service agencies).

SEC. 10. DEFINITIONS.

    For purposes of this Act--
            (1) the term ``at-risk children'' means individuals from
        birth to 18 years of age, who attend a public school where 75
        percent or more (for elementary) and 60 percent or more (for
        secondary) of the students are eligible for the free and
        reduced price lunch program, or are Native Americans attending
        schools where the student population is composed of a majority
        of Native Americans;
            (2) the term ``local entity'' means a local educational
        agency and a community-based organization as defined in section
        1471 of the Elementary and Secondary Education Act of 1965; and
            (3) the term ``State'' has the same meaning as such term in
        section 1471 of the Elementary and Secondary Education Act of
        1965.

SEC. 11. AUTHORIZATION OF APPROPRIATIONS.

    There are authorized to be appropriated $72,000,000 for each of the
fiscal years 1994, 1995, and 1996 to carry out the programs under this
Act.

Summary: Full-Service Schools Act - Establishes the Federal Interagency Work Group to facilitate collaboration among Federal agencies and make grants to States and local entities in order to integrate education, health, and social and human services for at-risk children and their families. Provides that the Group shall be composed of the Secretaries of Education, Health and Human Services, and Labor and funded equally by their departments. Sets forth Group duties and State and local eligibility requirements. Sets forth application requirements and grant limitations. Requires local programs to include activities to improve educational performance by: (1) reducing school dropout and teen pregnancy rates and the number of children in unsupervised settings. (2) increasing adultfamily literacy and the number of students returning to school after dropping out. And (3) improving access to primary health care for families and their children. Allows local programs to develop a variety of programs to serve the comprehensive needs of students, including specified optional activities. Authorizes appropriations.

Full-Service Schools Act


SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Wall Street Compensation Reform Act
of 2010''.

SEC. 2. EXECUTIVE COMPENSATION PAID BY SYSTEMICALLY SIGNIFICANT
              FINANCIAL INSTITUTIONS.

    (a) In General.--Subsection (m) of section 162 of the Internal
Revenue Code of 1986 is amended by adding at the end the following new
paragraph:
            ``(6) Special rule for application to systemically
        significant financial institutions.--
                    ``(A) In general.--In the case of an employer which
                is a systemically significant financial institution,
                this subsection shall apply with the following
                modifications:
                            ``(i) Non-public entities.--Paragraph (1)
                        shall be applied by substituting `employer' for
                        `publicly held corporation'.
                            ``(ii) Covered employees.--Paragraph (3)
                        shall be applied--
                                    ``(I) by substituting `such
                                employee is among the 25 highest
                                compensated employees' for so much of
                                subparagraph (B) as precedes `for the
                                taxable year (other than the chief
                                executive officer).', and
                                    ``(II) in addition to the
                                individuals described in such paragraph
                                (including the individuals described in
                                subclause (I) of this clause), by
                                treating any employee whose actions
                                have a material impact on the risk
                                exposure of the taxpayer as a covered
                                employee.
                        Any employee whose applicable employee
                        remuneration for the taxable year exceeds
                        $1,000,000 is presumed to engage in actions
                        which have a material impact on the risk
                        exposure of the taxpayer unless the taxpayer
                        submits an information return to the Secretary
                        which describes the role and responsibilities
                        of such employee and the reason such employee
                        should not be considered to have a material
                        impact on the risk exposure of the taxpayer.
                        Such return shall be deemed to have been
                        approved unless the Secretary notifies the
                        taxpayer in writing within 90 days of the
                        submission of such return. For purposes of this
                        clause, the term `employee' includes employees
                        within the meaning of section 401(c)(1).
                            ``(iii) Remuneration payable on commission
                        basis.--Subparagraph (B) of paragraph (4) shall
                        not apply.
                            ``(iv) Deferred deduction executive
                        remuneration.--In the case of any deferred
                        deduction executive remuneration (as determined
                        under rules similar to the rules of paragraph
                        (5)(F), if executive remuneration for purposes
                        of such paragraph included remuneration of
                        covered employees as defined in clause (ii) of
                        this paragraph, and if the year in which the
                        applicable services were performed were treated
                        as an applicable taxable year), rules similar
                        to the rules of paragraph (5)(A)(ii) shall
                        apply by substituting `$1,000,000' for
                        `$500,000'.
                    ``(B) Systemically significant financial
                institution.--
                            ``(i) In general.--For purposes of this
                        paragraph, the term `systemically significant
                        financial institution' means an entity which
                        engages primarily in activities which are
                        financial in nature (as determined under
                        section 4(k) of the Bank Holding Company Act of
                        1956), and which--
                                    ``(I) owns or controls assets
                                greater than $25,000,000,000, or
                                    ``(II) owns or controls assets
                                greater than $10,000,000,000 and
                                maintains a ratio of debt to equity
                                which is greater than 20 to 1.
                            ``(ii) Classification.--A taxpayer which is
                        a systemically significant financial
                        institution for any taxable year shall be a
                        systemically significant financial institution
                        for purposes of all subsequent taxable years.
                    ``(C) Special rules for performance-based
                compensation.--Remuneration payable solely on account
                of the attainment of one or more performance goals
                (hereinafter `performance-based remuneration') which is
                paid by any systemically significant financial
                institution to any covered employee (as determined
                under subparagraph (A)(ii)) shall not be excluded under
                subparagraph (C) of paragraph (4) from treatment as
                applicable employee remuneration unless the following
                requirements are met:
                            ``(i) Performance-based compensation
                        pool.--The amount and allocation of the
                        taxpayer's performance-based remuneration for
                        covered employees are determined by the
                        compensation committee required under paragraph
                        (4)(C)(i) by taking into account--
                                    ``(I) the cost and quantity of
                                capital required to support the risks
                                taken by the taxpayer in the conduct of
                                the financial activities of the
                                taxpayer,
                                    ``(II) the cost and quantity of the
                                liquidity risk assumed by the taxpayer
                                in the conduct of such activities, and
                                    ``(III) the timing and likelihood
                                of potential future revenues from such
                                activities.
                            ``(ii) Material terms.--The material terms
                        of performance-based remuneration paid to
                        covered employees specify that--
                                    ``(I) not less than 50 percent of
                                such remuneration must vest no earlier
                                than 5 years after the date of payment,
                                    ``(II) the proportion of such
                                remuneration payable under vesting
                                arrangements must increase based on the
                                level of seniority or responsibility of
                                the employee,
                                    ``(III) such remuneration payable
                                under vesting arrangements must vest on
                                a basis no faster than pro rata over
                                the specified number of years of such
                                arrangement (not to be less than 5),
                                    ``(IV) such remuneration is
                                contingent on a formal agreement
                                between the taxpayer and the employee
                                which forbids the use of personal
                                hedging strategies, remuneration-
                                related insurance, or liability-related
                                insurance which undermines the risk
                                alignment effects of this paragraph,
                                    ``(V) in the case of an employer
                                which is a publicly held corporation,
                                not less than 50 percent of such
                                remuneration must be in the form of
                                stock in the employer, and
                                    ``(VI) in the case of remuneration
                                paid to a chief executive officer or
                                chief financial officer (if such chief
                                financial officer is a covered
                                employee) of a publicly held
                                corporation, such remuneration must be
                                subject to substantial forfeiture
                                requirements in the event the taxpayer
                                is required to prepare an accounting
                                restatement due to material
                                noncompliance, as a result of
                                misconduct, with any financial
                                reporting requirement under Federal
                                securities laws.
                        For purposes of this clause, the date on which
                        remuneration is deemed to have vested is the
                        first date on which such remuneration is not
                        subject to a substantial risk of forfeiture
                        (within the meaning of section 409A(d)(4)).
                    ``(D) Special rule for performance-based
                compensation paid by non-public entities.--In the case
                of a systemically significant financial institution
                which is not a publicly held corporation, in addition
                to the requirements of subparagraph (C), paragraph
                (4)(C) shall be applied by substituting the following
                for clauses (i) through (iii) thereof:
                            ``(i) the taxpayer commissions an annual,
                        external review of its compensation policies
                        and practices, including an examination and
                        analysis of the taxpayer's compliance with the
                        requirements of this subsection, and
                            ``(ii) the taxpayer obtains certification
                        from an unrelated third party commissioned to
                        evaluated compensation practices that
                        performance goals and other material terms
                        under which the remuneration is to be paid are
                        satisfied before any payment of such
                        remuneration is made.'.
                For purposes of the preceding sentence, all persons
                treated as a single employer under subsection (a) or
                (b) of section 52 or subsection (b) or (c) of section
                414 shall be treated as related taxpayers.
                    ``(E) Coordination with rules for employers
                participating in the troubled assets relief program.--
                In the case of any systemically significant financial
                institution to which paragraph (5) applies for any
                taxable year, this paragraph shall not apply to any
                payment of remuneration to which such paragraph
                applies.
                    ``(F) Regulatory authority.--Not later than 180
                days after the date of the enactment of this paragraph,
                the Secretary shall prescribe such guidance, rules, or
                regulations of general applicability as are necessary
                to carry out the purposes of this paragraph,
                including--
                            ``(i) the method for valuing assets for
                        purposes of subparagraph (B)(i),
                            ``(ii) the method for calculating the ratio
                        described in subparagraph (B)(i)(II),
                            ``(iii) criteria for use in determining
                        whether the actions of an employee have a
                        material impact on the risk exposure of the
                        taxpayer, and for determining what constitutes
                        a substantial forfeiture requirement with
                        respect to executive remuneration,
                            ``(iv) criteria for determining whether a
                        remuneration agreement constitutes a hedging
                        strategy, and
                            ``(v) anti-abuse rules to prevent the
                        avoidance of the purposes of this paragraph,
                        including by use of independent contractors.
                    ``(G) Application of paragraph.--This paragraph
                shall apply--
                            ``(i) in the case of an entity which is a
                        systemically significant financial institution
                        in calendar 2010, to remuneration for services
                        performed in calendar years beginning after
                        2010, and
                            ``(ii) in the case of an entity which
                        becomes a systemically significant financial
                        institution in a calender year after 2010, to
                        remuneration for services performed in calendar
                        years beginning with the second calendar year
                        after the year in which such entity first
                        becomes a systemically significant financial
                        institution.''.
    (b) Conforming Amendment.--Subparagraph (G) of section 162(m)(5) of
the Internal Revenue Code of 1986 is amended by adding at the end the
following: ``Paragraph (6) shall not apply to any payment of
remuneration to which this paragraph applies.''.
    (c) Report on Performance-Based Compensation Paid by Publicly Held
Corporations.--
            (1) In general.--Each systemically significant financial
        institution which is a publicly held corporation shall submit
        to the Chairman of the Securities and Exchange Commission, and
        shall make publicly available, an annual report on compensation
        policies and practices which describes--
                    (A) the process used to develop and modify such
                institution's compensation policies, including the
                composition and the mandate of such institution's
                compensation committee,
                    (B) the actions taken by such institution to comply
                with section 162(m)(6) of the Internal Revenue Code of
                1986,
                    (C) any additional actions taken to implement the
                Principles for Sound Compensation Practices adopted by
                the Financial Stability Board established by the G-20
                Finance Ministers and Central Bank Governors,
                    (D) the most important design characteristics of
                such institution's compensation policies, including
                criteria used for performance measurement and risk
                adjustment, the linkage between pay and performance,
                vesting policy and criteria, and the parameters used
                for allocating cash versus other forms of remuneration,
                    (E) aggregate quantitative information on
                remuneration paid by such institution, differentiating
                between remuneration paid to senior executive officers
                and to employees whose actions have a material impact
                on the risk exposure of such institution, which
                indicates the amounts of remuneration for the financial
                year (divided into fixed and variable remuneration) and
                the number of employees to which such remuneration was
                paid, and
                    (F) the amount of remuneration paid by such
                institution during the financial year preceding the
                year of the report which was nondeductible by reason of
                section 162(m) of such Code.
            (2) Timing of report.--The report required under paragraph
        (1) shall be submitted beginning in calendar year 2011 (or, if
        later, the calendar year after the year in which an entity
        first becomes a systemically significant financial institution
        which is a publicly held corporation), at such time during such
        year and each subsequent year as the Chairman of the Securities
        and Exchange Commission shall specify.
            (3) Definitions.--Any term used in this subsection which is
        also used in section 162(m)(6) of the Internal Revenue Code of
        1986 shall have the same meaning as when used in such section.
    (d) Effective Date.--The amendments made by subsections (a) and (b)
shall apply to remuneration for services performed after December 31,
2010.

Summary: Wall Street Compensation Reform Act of 2010 - Amends the Internal Revenue Code to restrict the tax deduction for compensation paid to highly-paid employees of systemically significant financial institutions. Requires such compensation to be performance-based, to vest no earlier than five years after the date of payment, and to consist of 50 employer stock. Prohibits such highly-paid employees from using personal hedging strategies and remuneration or liability-related insurance and requires forfeiture of compensation paid to a chief executive or financial officer of such an institution if an accounting restatement is required due to material noncompliance, as a result of misconduct, with any federal financial reporting requirement. Defines a systemically significant financial institution as an entity which engages primarily in financial activities and which: (1) owns or controls assets greater than $25 billion. Or (2) owns or controls assets greater than $10 billion and maintains a ratio of debt to equity greater than 20 to 1. Requires each systemically significant financial institution which is a publicly held corporation to make an annual report on its compensation policies and practices to the Securities and Exchange Commission (SEC) and make such report publicly available.

A bill to amend the Internal Revenue Code of 1986 to limit certain executive compensation paid by systemically significant financial institutions.


SECTION 1. FINDINGS.

    The Congress finds the following:
            (1) The goal of the Marine Mammal Protection Act of 1972
        (16 U.S.C. 1361 et seq.) is to maintain marine mammal species
        and population stocks at their optimum sustainable populations.
            (2) If the annual removals of individuals of a species or
        population stock of marine mammals do not exceed the potential
        biological removal level, the species or population stock will
        be maintained at, or reach, its optimum sustainable population.
            (3) Requiring that commercial fishermen achieve a zero
        mortality rate goal for a species or population stock of marine
        mammals that is equal to or less than 10 percent of the
        potential biological removal of a given marine mammal species
        or population stock is unnecessary to achieve that Act's goal
        of maintaining species and stocks at their optimum sustainable
        population and penalizes commercial fishermen.
            (4) The Congress intended that the zero mortality rate goal
        under that Act would be met if fishermen use the best
        technology that is economically and technologically feasible.
            (5) Species and populations stocks of marine mammal that
        have reached historic levels are impeding the recovery of
        endangered species and threatened species through predation or
        competition in the ecosystem.
            (6) The fundamental principles of ecosystem management are
        defeated by giving one species a preeminent position in the
        ecosystem through, imposition of a zero mortality rate goal.
            (7) All persons that interact with marine mammals should
        seek to reduce and eliminate marine mammal injuries and
        mortalities through the use of the best equipment and
        techniques that are economically and technologically feasible.

SEC. 2. MODIFICATION OF GOALS FOR REDUCING INCIDENTAL TAKE OF MARINE
              MAMMALS IN COMMERCIAL FISHING.

    (a) Repeal of Zero Mortality Goal.--Section 118 of the Marine
Mammal Protection Act of 1972 (16 U.S.C. 1387) is amended by striking
subsection (b), and by redesignating subsections (c) through (l) in
order as subsections (b) through (k).
    (b) Conforming Amendments.--Such Act is further amended as follows:
            (1) In section 101(a)(2) (16 U.S.C. 1371(a)(2)) by striking
        the third sentence.
            (2) In section 101(a)(5)(E)(i)(III) (16 U.S.C.
        1371(a)(5)(E)(i)(III) by striking ``subsection (d)'' and
        inserting ``subsection (c)''.
            (3) In section 115(b)(4) (16 U.S.C. 1384(b)(4)) by striking
        ``section 118(f)(1)'' and inserting ``section 118(e)(1)''.
            (4) In section 117(a)(4) (16 U.S.C. 1386(a)(4)) in
        subparagraph (D) by striking ``, and an analysis'' and all that
        follows through the end of the subparagraph and inserting a
        semicolon.
            (5) In section 118 (16 U.S.C. 1387) by striking
        ``subsection (c)(1)(A) (i)'' each place it appears and
        inserting ``subsection (b)(1)(A)(i)''.
            (6) In section 118 (16 U.S.C. 1387) by striking
        ``subsection (c)(1)(A)(i)'' each place it appears and inserting
        ``subsection (b)(1)(A)(i)''.
            (7) In section 118(a)(1) (16 U.S.C. 1387(a)(1)) by striking
        the last sentence.
            (8) In section 118(b), as redesignated by subsection (a) of
        this section 16 U.S.C. 1387(c)(1)(B)), by striking ``subsection
        (e)'' each place it appears and inserting ``subsection (d)''.
            (9) In section 118(c)(1)(B), as redesignated by subsection
        (a) of this section (16 U.S.C. 1387(d)(1)(B)), by striking
        ``subsection (e)'' and inserting ``subsection (d)''.
            (10) In section 118(e)(9)(D), as redesignated by subsection
        (a) of this section (16 U.S.C. 1387(f)(9)(D)), by striking
        ``subsection (d)'' and inserting ``subsection (c)''.
            (11) In section 118(f)(1), as redesignated by subsection
        (a) of this section (16 U.S.C. 1387(g)(1)), by striking
        ``subsection (c)(1)(A)(iii)'' each place it appears and
        inserting ``subsection (b)(1)(A)(iii)''.
            (12) In section 118(g), as redesignated by subsection (a)
        of this section (16 U.S.C. 1387(h)), by striking ``subsection
        (c)'' and inserting ``subsection (b)''.
            (13) In section 120(j)(2) (16 U.S.C. 1389(j)(2)) by
        striking ``118(f)(5)(A)'' and inserting ``118(e)(5)(A)''.
    (c) Modification of Goal of Take Reduction Plans.--Section
118(e)(2) of such Act, as redesignated by subsection (a) of this
section (16 U.S.C. 1387(f)(2)), is amended by striking the last
sentence and inserting the following: ``The long-term goal of the plan
shall be to reduce, within 5 years after its implementation, the
incidental mortality or serious injury of marine mammals incidentally
taken in the course of fishing operations taking into account the
economics of the fishery, the availability of existing technology, and
existing State or regional fishery management plans.''.

Summary: Amends the Marine Mammal Protection Act of 1972 to repeal the long-term goal of reducing to zero the incidental mortality and serious injury of marine mammals in commercial fishing operations. Makes reduction of such incidental mortality and serious injury the long-term goal.

To amend the Marine Mammal Protection Act of 1972 to repeal the long-term goal for reducing to zero the incidental mortality and serious injury of marine mammals in commercial fishing operations, and to modify the goal of take reduction plans for reducing such takings.


SECTION 1. SHORT TITLE.

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

SEC. 2. CONSUMER RIGHTS WITH RESPECT TO CLOSED ACCOUNTS.

    The Truth in Savings Act (12 U.S.C. 4301 et seq.) is amended--
            (1) by striking section 262 and inserting the following:

``SEC. 262. FINDINGS AND PURPOSES.

    ``(a) Findings.--Congress finds that--
            ``(1) economic stability would be enhanced, competition
        between depository institutions would be improved, and the
        ability of the consumer to make informed decisions regarding
        deposit accounts, and to verify accounts, would be strengthened
        if there were uniformity in the disclosure of terms and
        conditions on which interest is paid and fees are assessed in
        connection with such accounts; and
            ``(2) consumers lack meaningful choices for managing
        household funds because--
                    ``(A) despite dissatisfaction with rising account
                fees at some depository institutions, consumers often
                find it too difficult to move their funds to new
                deposit accounts;
                    ``(B) the process of moving funds to new deposit
                accounts often involves several steps and substantial
                time to complete, and it is not always clear what the
                proper procedures are for closing an account at a given
                depository institution;
                    ``(C) depository institutions have no obligation
                and may lack the technical capabilities to help
                consumers transfer automated deposits or debits from
                old accounts to new accounts, causing delays and
                confusion;
                    ``(D) depository institutions may charge fees to
                close an account and withdraw available funds, which
                can impede banking mobility for low-income consumers;
                and
                    ``(E) some depository institutions have engaged in
                the practice of reopening closed accounts without the
                consent of the consumer.
    ``(b) Purposes.--The purposes of this Act are--
            ``(1) to allow consumers to make a meaningful comparison
        between competing claims of depository institutions with regard
        to deposit accounts by requiring the clear and uniform
        disclosure of--
                    ``(A) the rates of interest that are payable on
                deposit accounts by depository institutions; and
                    ``(B) the fees that are assessable against deposit
                accounts; and
            ``(2) to protect rights of consumers by providing a
        framework establishing the rights, liabilities, and
        responsibilities of depository institutions and consumers in
        closing procedures for certain types of consumer deposit
        accounts.'';
            (2) by inserting after section 268 the following:

``SEC. 268A. CLOSURE OF COVERED ACCOUNTS.

    ``(a) In General.--A depository institution may not--
            ``(1) prohibit a consumer from closing a covered account at
        the depository institution, regardless of whether the balance
        in the covered account is positive, zero, or negative;
            ``(2) charge any fee to close a covered account; or
            ``(3) reopen a covered account that a consumer has
        requested to be closed in accordance with this section to apply
        subsequent debits, whether preauthorized or otherwise, or for
        any other reason, unless the consumer expressly requests that
        the covered account be reopened.
    ``(b) Disclosures Required.--A depository institution shall provide
to any consumer that opens a covered account at the depository
institution a description of the policies and procedures that the
depository institution has in place to close a covered account--
            ``(1) at the time the consumer opens the covered account;
            ``(2) at any time, upon request of a consumer; and
            ``(3) on the website of the depository institution.
    ``(c) Regulations Relating to Closure of Covered Accounts.--
            ``(1) In general.--Not later than 1 year after the date of
        enactment of this section, the Bureau, after consultation with
        each agency referred to in section 270(a), and public notice
        and opportunity for comment, shall prescribe final regulations
        to carry out this section.
            ``(2) Content.--The regulations required by this subsection
        shall--
                    ``(A) require that a depository institution close a
                covered account not later than 5 business days after
                the date on which a consumer makes a request to close
                the covered account, except that the closure of the
                covered account may be delayed--
                            ``(i) if a Federal or State law enforcement
                        agency notifies the depository institution that
                        the closure will interfere with a criminal
                        investigation; or
                            ``(ii) pursuant to any other exception that
                        the Bureau determines is appropriate;
                    ``(B) prescribe the methods by which a consumer may
                make a request to a depository institution to close a
                covered account, which, except as provided in
                subparagraph (C), shall include requests made in
                person, over the phone, or by other electronic or
                remote means;
                    ``(C) allow a depository institution to require
                that a request by a consumer to close a covered account
                shall be made in person if the covered account contains
                an amount on deposit exceeding a certain monetary
                threshold, as determined and established by the Bureau;
                    ``(D) establish procedures that require a
                depository institution to positively verify the
                identity of a consumer requesting to close a covered
                account before the depository institution closes the
                covered account, including procedures for a depository
                institution to follow if the depository institution is
                unable to verify the identity of the consumer;
                    ``(E) establish procedures for a depository
                institution to provide a consumer with the funds
                contained in a covered account that the consumer has
                requested to close, which shall include procedures--
                            ``(i) that ensure that the consumer whose
                        identity has been positively verified by the
                        depository institution has access to any funds
                        available for withdrawal at the time the
                        consumer makes a request to the depository
                        institution to close the covered account;
                            ``(ii) that establish a reasonable amount
                        of time for the depository institution to remit
                        to the consumer the remainder of any funds in
                        the closed covered account, including funds
                        that are subject to a dispute between the
                        depository institution and the consumer; and
                            ``(iii) that allow a consumer whose
                        identity has been positively verified by the
                        depository institution to receive available
                        funds from a covered account that the consumer
                        has requested to close in the form of--
                                    ``(I) a cashier's check provided to
                                the consumer;
                                    ``(II) an electronic funds transfer
                                to an account designated by the
                                consumer;
                                    ``(III) any means offered by the
                                depository institution that the
                                consumer has requested; or
                                    ``(IV) any means that the Bureau
                                determines appropriate;
                    ``(F) except as provided under subparagraph (G),
                prohibit a depository institution from imposing any fee
                or charge on a covered account at the depository
                institution after the consumer has requested to close
                the covered account;
                    ``(G) allow a depository institution to assess an
                overdraft fee after a consumer has requested to close a
                covered account, if such overdraft fee is associated
                with a transaction that was initiated by the consumer
                before the date on which the consumer made a request to
                the depository institution to close the covered
                account;
                    ``(H) not limit the ability of a consumer to earn
                interest that a covered account had accrued before the
                date on which the consumer made a request to the
                depository institution to close the covered account;
                    ``(I) establish procedures for a depository
                institution and a consumer to follow if a personal
                check written by the consumer is deposited by a person
                other than the consumer after the date on which the
                consumer has closed a covered account;
                    ``(J) require the depository institution to provide
                the consumer with certain information before the
                depository institution closes a covered account of the
                consumer, including--
                            ``(i) a list of any preauthorized
                        transactions relating to the covered account
                        that occurred within the 60 days preceding the
                        date on which the consumer made a request to
                        the depository institution to close the covered
                        account;
                            ``(ii) a list of any preauthorized
                        transactions scheduled to occur in the 60 days
                        after the date on which the consumer made a
                        request to the depository institution to close
                        the covered account;
                            ``(iii) a list of any direct deposits into
                        the covered account in the 60 days preceding
                        the date on which the consumer made a request
                        to the depository institution to close the
                        covered account; and
                            ``(iv) any other information that the
                        Bureau determines is necessary to provide
                        consumers with adequate information about
                        potential preauthorized activity relating to
                        the covered account;
                    ``(K) prohibit a depository institution from
                reporting an outstanding balance or any other adverse
                information with respect to a covered account at the
                depository institution to any consumer reporting
                agency, as defined in section 603(f) of the Fair Credit
                Reporting Act (15 U.S.C. 1681a), if--
                            ``(i) at the time the covered account is
                        closed, the covered account has a negative
                        balance resulting solely from any fee assessed
                        by the depository institution; and
                            ``(ii) that information could be used to
                        adversely affect the ability of the consumer to
                        open an account at another depository
                        institution;
                    ``(L) establish the terms under which a depository
                institution may report that a covered account had a
                negative balance at the time of the closure of the
                covered account to a consumer reporting agency, as
                defined in section 603(f) of the Fair Credit Reporting
                Act (15 U.S.C. 1681a), if the depository institution--
                            ``(i) notifies the consumer of the negative
                        balance; and
                            ``(ii) provides the consumer with a
                        reasonable period of time, as determined and
                        established by the Bureau, to repay the
                        negative balance; and
                    ``(M) include any other provisions, guidance, or
                exceptions that the Bureau determines are appropriate
                in order to facilitate the purposes of this section.
    ``(d) Study; Rulemaking.--
            ``(1) Study.--
                    ``(A) In general.--The Comptroller General of the
                United States shall conduct a study to determine
                additional barriers that could limit the ability of a
                consumer to close a covered account.
                    ``(B) Contents of study.--The study required under
                paragraph (1) shall include, at a minimum, analysis
                of--
                            ``(i) potential reforms to payment clearing
                        and settlement systems that would enable
                        depository institutions to notify consumers if
                        a preauthorized recurring debit is directed to
                        a covered account after the covered account has
                        been closed;
                            ``(ii) potential reforms to payment
                        clearing and settlement systems that would
                        automatically transfer any direct deposit,
                        preauthorized transaction, or other similar
                        scheduled activity relating to a closed covered
                        account to another account designated by the
                        consumer;
                            ``(iii) other factors, including
                        technological barriers, in payment clearing and
                        scheduling systems that limit the ability of
                        consumers to efficiently close a covered
                        account and transfer funds to another account;
                        and
                            ``(iv) recommendations to Congress and the
                        appropriate Federal banking agencies, including
                        steps that the appropriate Federal banking
                        agencies could take through rulemaking to
                        facilitate the automatic transfer of funds from
                        a closed covered account to another account
                        designated by the consumer.
                    ``(C) Report.--Not later than 1 year after the date
                of enactment of this subsection, the Comptroller
                General shall issue a report to the Congress and the
                Bureau of Consumer Financial Protection on the study
                required under subparagraph (A), including any findings
                and determinations made by the Comptroller General in
                carrying out such study.
            ``(2) Rulemaking.--Not later than 1 year after the Bureau
        receives the report issued under paragraph (1)(C) the Bureau
        shall--
                    ``(A) determine whether regulations should be
                issued to remove barriers that limit the ability of a
                consumer to close a covered account; and
                    ``(B) if the Bureau determines that such
                regulations should be issued, the Bureau shall, in
                consultation with each agency referred to in section
                270(a), and after public notice and opportunity for
                comment, issue such regulations.''; and
            (3) in section 274, by adding at the end the following:
            ``(9) Available for withdrawal.--The term `available for
        withdrawal', with respect to funds deposited, means available
        for all uses generally permitted to the customer for actually
        and finally collected funds under the account agreement with
        the depository institution or policies of the depository
        institution, such as for payment of checks drawn on the
        account, certification of checks drawn on the account,
        electronic payments, withdrawals by cash, and transfers between
        accounts.
            ``(10) Covered account.--The term `covered account' means
        any checking, savings, or any other account that the Bureau may
        include, by regulation.''.

Summary: Freedom and Mobility in Consumer Banking Act - Amends the Truth in Savings Act to prohibit depository institutions from: (1) prohibiting a consumer from closing a covered account , regardless of whether the balance is positive, zero, or negative, (2) charging any fee to close such account. Or (3) reopening such an account to apply subsequent debits after a consumer has requested the account to be closed, unless the consumer requests that the account be reopened. Requires depository institutions to provide consumers with a description of the policies and procedures in place to close such accounts at the time the account is opened, upon request, and on the websites of such institutions. Directs the CFPB to prescribe regulations relating to the closure of such accounts, including: (1) allowing consumers to receive available funds from a closed account in the form of a cashier's check, electronic funds transfer, or any other means offered by the institution or determined appropriate by the CFPB. (2) requiring depository institutions to provide consumers with certain information regarding any preauthorized transactions or direct deposits associated with an account before it is closed. (3) prohibiting a depository institution from reporting adverse information regarding such account to any consumer reporting agency if, at the time the account is closed, the account has a negative balance resulting solely from any fee assessed by the depository institution. And (4) establishing the terms under which a depository institution may report to a consumer reporting agency that an account had a negative closing balance, provided that the institution notifies the consumer and provides a reasonable period for repayment of the balance. Directs the Comptroller General (GAO) to report to Congress and the CFPB regarding additional barriers that could limit the ability of a consumer to close a covered account. Requires the CFPB, after receiving such report, to determine whether regulations should be issued to remove such barriers.


SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Education and Training for Health
Act of 2017'' or the ``EAT for Health Act of 2017''.

SEC. 2. FINDINGS.

    Congress finds the following:
            (1) According to 2013 national health expenditure data,
        United States health care spending increased 3.6 percent to
        reach $2.9 trillion, or $9,255 per person, and accounted for
        17.4 percent of Gross Domestic Product (GDP).
            (2) According to the Institute of Medicine, in 2012
        estimates of health care costs attributed over 75 percent of
        national health expenditures to treatment for chronic diseases.
            (3) A March 2003 report from the World Health Organization
        concluded diet was a major cause of chronic diseases.
            (4) Seven out of 10 deaths among people in the United
        States each year are from chronic diseases such as
        cardiovascular disease, obesity, diabetes, and cancer.
            (5) According to the Centers for Disease Control and
        Prevention, in 2013 heart disease was the leading cause of
        death for American adults. Approximately 600,000 American
        adults die each year from cardiovascular disease. Coronary
        heart disease alone costs American taxpayers $108.9 billion
        each year.
            (6) Research has shown that following a healthful diet can
        not only reduce symptoms related to cardiovascular disease but
        can also actually reverse damage done to the arteries.
            (7) According to the Journal of the American Medical
        Association, two-thirds of adults in the United States are
        currently overweight, and half of those overweight individuals
        are obese. One in three children are overweight, and one-fifth
        of children are obese. The United States spends about $147 to
        $210 billion a year on obesity related diseases, including type
        2 diabetes, hypertension, heart disease, and arthritis.
            (8) An estimated 29.1 million people in the United States
        have diabetes. Another 86 million American adults have
        prediabetes. The Centers for Disease Control and Prevention
        predicts that one in three children born in 2000 will develop
        diabetes at some point in their lives. Total estimated costs of
        diagnosed diabetes have increased 41 percent, to $245 billion
        in 2012 from $174 billion in 2007.
            (9) According to the American Cancer Society, there will be
        an estimated 1,658,370 new cancer cases diagnosed and 589,430
        cancer deaths in the United States in 2015. That is equivalent
        to about 1,620 deaths per day and accounts for nearly 1 of
        every 4 deaths. The Agency for Healthcare Research and Quality
        (AHRQ) estimates that the direct medical costs for cancer in
        the United States in 2011 were $88.7 billion.
            (10) According to the Journal of the American College of
        Nutrition, in 2008 physicians felt inadequately trained to
        provide proper nutrition advice. Ninety-four percent felt
        nutrition counseling should be included during primary care
        visits, but only 14 percent felt adequately trained to provide
        such counseling.
            (11) A 1985 National Academy of Sciences report recommended
        that all medical schools require at least 25 contact hours of
        nutrition education. According to a 2009 national survey of
        medical colleges published in Academic Medicine, only 38
        percent of medical schools met these minimum standards by
        requiring 25 hours of nutrition education as part of their
        general curricula in 2004. By 2010, that number had shrunk to
        27 percent. In addition, 30 percent of United States medical
        schools required a dedicated nutrition course in 2004. Most
        recently, only 25 percent of such schools required such a
        course in 2010.
            (12) According to the Journal of Nutrition in Clinical
        Practice in 2010, more than half of graduating medical students
        felt their nutrition education was insufficient.
            (13) Recognizing the importance of nutrition, Healthy
        People 2020--the Federal Government's framework for a healthier
        Nation--includes a goal (NWS-6) to increase the proportion of
        physician office visits that include counseling or education
        related to nutrition or weight. According to Healthy People
        2020, only 13.8 percent of physician office visits included
        counseling about nutrition or diet (2010 latest year
        available).
            (14) According to Mission: Readiness, one in four Americans
        cannot serve in the military due to weight. For those serving,
        the military discharged 4,300 active-duty personnel due to
        weight problems in 2012.
            (15) According to the Journal of American Health Promotion,
        the military spends well over $1 billion a year to treat
        weight-related health problems such as heart disease and
        diabetes through its TRICARE health insurance for active duty
        personnel, reservists, retirees and their families.
            (16) According to the Centers for Disease Control and
        Prevention, American Indian or Alaska Native adults are 60
        percent more likely to be obese and over twice as likely as to
        have diabetes compared to White adults.
            (17) According to the Centers for Disease Control and
        Prevention, American Indian or Alaska Native adults have the
        highest rate of diabetes among all minority groups at 15.9
        percent.

SEC. 3. DEPARTMENT OF HEALTH AND HUMAN SERVICES GUIDELINES, AND FEDERAL
              AGENCIES ANNUAL REPORTS, RELATING TO CERTAIN PRIMARY CARE
              FEDERAL HEALTH PROFESSIONALS COMPLETING CONTINUING
              MEDICAL EDUCATION ON NUTRITION.

    (a) Guidelines.--Not later than 180 days after the date of the
enactment of this Act, the Secretary of Health and Human Services shall
issue guidelines to Federal agencies for developing procedures and
requirements to ensure that every primary care health professional
employed full-time for such agencies have continuing education courses
relating to nutrition (as described in subsection (c)).
    (b) Biannual Reports.--Not later than 18 months after the date of
the enactment of this Act and each subsequent year, the head of each
Federal agency that employs full-time primary care health professionals
shall submit to Congress a report attesting, in a form and manner
specified by the Secretary of Health and Human Services, to the extent
to which the agency has adopted and encouraged the guidelines issued
under subsection (a) with respect to such professionals employed by
such agency during any portion of the previous year. If the agency,
with respect to such previous year, did not fully adopt and encourage
such guidelines with respect to such professionals, the head of the
agency shall include in the report for the year the percentage of such
professionals employed by such agency to furnish primary care services
who completed continuing education courses relating to nutrition (as
described in subsection (c)).
    (c) Continuing Education Relating to Nutrition.--For purposes of
subsections (a) and (b), continuing education courses relating to
nutrition shall include at least content on the role of nutrition in
the prevention, management, and, as possible, reversal of obesity,
cardiovascular disease, diabetes, or cancer.
    (d) Definitions.--For purposes of this Act:
            (1) Continuing education.--The term ``continuing
        education'' is defined as courses that meet requirements for
        Continuing Medical Education (CME) or Continuing Education (CE)
        by medical or nurse practitioner professional organizations or
        certified accrediting bodies.
            (2) Nurse practitioner.--The term ``nurse practitioner''
        has the meaning given such term in section 1861(aa)(5) of the
        Social Security Act (42 U.S.C. 1395x(aa)(5)).
            (3) Physician.--The term ``physician'' has the meaning
        given such term in section 1861(r)(1) of the Social Security
        Act (42 U.S.C. 1395x(r)(1)).
            (4) Primary care health professional.--The term ``primary
        care health professional'' means a physician or nurse
        practitioner who furnishes primary care services.
            (5) Primary care services.--The term ``primary care
        services'' has the meaning given such term in section
        1842(i)(4) of the Social Security Act (42 U.S.C. 1395u(i)(4)),
        but shall include such services furnished by a nurse
        practitioner as would otherwise be included if furnished by a
        physician.

Summary: Education and Training for Health Act of 2017 or the EAT for Health Act of 2017 This bill directs the Department of Health and Human Services to issue guidelines to federal agencies to ensure that federal, full time primary care health professionals have continuing education relating to nutrition. Agencies must annually report information including the extent to which they have adopted and encouraged the guidelines. The continuing education must: (1) include content on the role of nutrition in the prevention, management, and reversal of obesity, cardiovascular disease, diabetes, or cancer. And (2) meet requirements for continuing medical education or continuing education by medical or nurse practitioner professional organizations or certified accrediting bodies.