Input:
SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Federal Employees Life Insurance
Improvement Act''.

SEC. 2. STUDY AND REPORT ON CERTAIN LIFE INSURANCE OPTIONS OFFERED TO
              FEDERAL EMPLOYEES.

    (a) In General.--Not later than July 31, 1998, the Office of
Personnel Management shall conduct a study on life insurance options
for Federal employees described under subsection (b) and submit a
report to Congress.
    (b) Study and Report.--The study and report referred to under
subsection (a) shall--
        (1) survey and ascertain the interest of Federal employees in
    an offering under chapter 87 of title 5, United States Code, of
    insurance coverage options relating to--
            (A) group universal life insurance;
            (B) group variable universal life insurance; and
            (C) additional voluntary accidental death and dismemberment
        insurance; and
        (2) include any comments, analysis, and recommendations of the
    Office of Personnel Management relating to such options.

SEC. 3. REPEAL OF MAXIMUM LIMITATION ON EMPLOYEE INSURANCE.

    Chapter 87 of title 5, United States Code, is amended--
        (1) in section 8701(c), in the first sentence, by striking the
    comma immediately following ``$10,000'' and all that follows and
    inserting a period; and
        (2) in section 8714b(b), in the first sentence, by striking
    ``except'' and all that follows and inserting a period.

SEC. 4. FOSTER CHILD COVERAGE.

    Section 8701(d)(1)(B) of title 5, United States Code, is amended by
inserting ``or foster child'' after ``stepchild'' both places it
appears.

SEC. 5. INCONTESTABILITY OF ERRONEOUS COVERAGE.

    Section 8706 of title 5, United States Code, as amended by section
5(2), is further amended by adding at the end the following new
subsection:
    ``(g) The insurance of an employee under a policy purchased under
section 8709 shall not be invalidated based on a finding that the
employee erroneously became insured, or erroneously continued insurance
upon retirement or entitlement to compensation under subchapter I of
chapter 81 of this title, if such finding occurs after the erroneous
insurance and applicable withholdings have been in force for 2 years
during the employee's lifetime.''.

SEC. 6. DIRECT PAYMENT OF INSURANCE CONTRIBUTIONS.

    Chapter 87 of title 5, United States Code, is amended--
        (1) in section 8707--
            (A) in subsection (a), by striking ``(a) During'' and
        inserting ``(a) Subject to subsection (c)(2), during'';
            (B) in subsection (b), by striking ``(b)(1) Whenever'' and
        inserting ``(b)(1) Subject to subsection (c)(2), whenever'';
        and
            (C) in subsection (c), by inserting ``(1)'' immediately
        after ``(c)'' and by adding at the end the following new
        paragraph:
    ``(2) An employee who is subject to withholdings under this section
and whose pay, annuity, or compensation is insufficient to cover such
withholdings may nevertheless continue insurance if the employee
arranges to pay currently into the Employees' Life Insurance Fund,
through the agency or retirement system that administers pay, annuity,
or compensation, an amount equal to the withholdings that would
otherwise be required under this section.'';
        (2) in section 8714a(d), by adding at the end the following new
    paragraph:
    ``(3) Notwithstanding paragraph (1), an employee who is subject to
withholdings under this subsection and whose pay, annuity, or
compensation is insufficient to cover such withholdings may
nevertheless continue optional insurance if the employee arranges to
pay currently into the Employees' Life Insurance Fund, through the
agency or retirement system which administers pay, annuity, or
compensation, an amount equal to the withholdings that would otherwise
be required under this subsection.'';
        (3) in section 8714b(d), by adding at the end the following new
    paragraph:
    ``(3) Notwithstanding paragraph (1), an employee who is subject to
withholdings under this subsection and whose pay, annuity, or
compensation is insufficient to cover such withholdings may
nevertheless continue additional optional insurance if the employee
arranges to pay currently into the Employees' Life Insurance Fund,
through the agency or retirement system which administers pay, annuity,
or compensation, an amount equal to the withholdings that would
otherwise be required under this subsection.''; and
        (4) in section 8714c(d), by adding at the end the following new
    paragraph:
    ``(3) Notwithstanding paragraph (1), an employee who is subject to
withholdings under this subsection and whose pay, annuity, or
compensation is insufficient to cover such withholdings may
nevertheless continue optional life insurance on family members if the
employee arranges to pay currently into the Employees' Life Insurance
Fund, through the agency or retirement system that administers pay,
annuity, or compensation, an amount equal to the withholdings that
would otherwise be required under this subsection.''.

SEC. 7. ADDITIONAL OPTIONAL LIFE INSURANCE CONTINUATION AND
              PORTABILITY.

    (a) In General.--Section 8714b of title 5, United States Code, is
amended--
        (1) in subsection (c)--
            (A) by striking the last 2 sentences of paragraph (2); and
            (B) by adding at the end the following:
    ``(3) The amount of additional optional insurance continued under
paragraph (2) shall be continued, with or without reduction, in
accordance with the employee's written election at the time eligibility
to continue insurance during retirement or receipt of compensation
arises, as follows:
        ``(A) The employee may elect to have withholdings cease in
    accordance with subsection (d), in which case--
            ``(i) the amount of additional optional insurance continued
        under paragraph (2) shall be reduced each month by 2 percent
        effective at the beginning of the second calendar month after
        the date the employee becomes 65 years of age and is retired or
        is in receipt of compensation; and
            ``(ii) the reduction under clause (i) shall continue for 50
        months at which time the insurance shall stop.
        ``(B) The employee may, instead of the option under
    subparagraph (A), elect to have the full cost of additional
    optional insurance continue to be withheld from such employee's
    annuity or compensation on and after the date such withholdings
    would otherwise cease pursuant to an election under subparagraph
    (A), in which case the amount of additional optional insurance
    continued under paragraph (2) shall not be reduced, subject to
    paragraph (4).
        ``(C) An employee who does not make any election under the
    preceding provisions of this paragraph shall be treated as if such
    employee had made an election under subparagraph (A).
    ``(4) If an employee makes an election under paragraph (3)(B), that
individual may subsequently cancel such election, in which case
additional optional insurance shall be determined as if the individual
had originally made an election under paragraph (3)(A).
    ``(5)(A) An employee whose additional optional insurance under this
section would otherwise stop in accordance with paragraph (1) and who
is not eligible to continue insurance under paragraph (2) may elect,
under conditions prescribed by the Office of Personnel Management, to
continue all or a portion of so much of the additional optional
insurance as has been in force for not less than--
        ``(i) the 5 years of service immediately preceding the date of
    the event which would cause insurance to stop under paragraph (1);
    or
        ``(ii) the full period or periods of service during which the
    insurance was available to the employee, if fewer than 5 years,
at group rates established for purposes of this section, in lieu of
conversion to an individual policy. The amount of insurance continued
under this paragraph shall be reduced by 50 percent effective at the
beginning of the second calendar month after the date the employee or
former employee attains age 70 and shall stop at the beginning of the
second calendar month after attainment of age 80, subject to a
provision for temporary extension of life insurance coverage and for
conversion to an individual policy of life insurance under conditions
approved by the Office. Alternatively, insurance continued under this
paragraph may be reduced or stopped at any time the employee or former
employee elects.
    ``(B) When an employee or former employee elects to continue
additional optional insurance under this paragraph following separation
from service or 12 months without pay, the insured individual shall
submit timely payment of the full cost thereof, plus any amount the
Office determines necessary to cover associated administrative
expenses, in such manner as the Office shall prescribe by regulation.
Amounts required under this subparagraph shall be deposited, used, and
invested as provided under section 8714 and shall be reported and
accounted for together with amounts withheld under section 8714a(d).
    ``(C)(i) Subject to clause (ii), no election to continue additional
optional insurance may be made under this paragraph 3 years after the
effective date of this paragraph.
    ``(ii) On and after the date on which an election may not be made
under clause (i), all additional optional insurance under this
paragraph for former employees shall terminate, subject to a provision
for temporary extension of life insurance coverage and for conversion
to an individual policy of life insurance under conditions approved by
the Office.''; and
        (2) in the second sentence of subsection (d)(1) by inserting
    ``if insurance is continued as provided under subsection
    (c)(3)(A),'' after ``except that,''.
    (b) Report.--Not later than 3 years after the date of enactment of
this Act, the Office of Personnel Management shall submit a report to
Congress on additional optional insurance provided under section
8714b(c)(5) of title 5, United States Code (as added by subsection (a)
of this section). Such report shall include recommendations on whether
continuation for such additional optional insurance should terminate as
provided under such section, be extended, or be made permanent.
    (c) Technical Amendment.--The last sentence of section 8714b(d)(1)
of title 5, United States Code, is amended by inserting ``(and any
amounts withheld as provided in subsection (c)(3)(B))'' after ``Amounts
so withheld''.

SEC. 8. IMPROVED OPTIONAL LIFE INSURANCE ON FAMILY MEMBERS.

    (a) In General.--Section 8714c(b) of title 5, United States Code,
is amended to read as follows:
    ``(b)(1) The optional life insurance on family members provided
under this section shall be made available to each eligible employee
who has elected coverage under this section, under conditions the
Office shall prescribe, in multiples, at the employee's election, of 1,
2, 3, 4, or 5 times--
        ``(A) $5,000 for a spouse; and
        ``(B) $2,500 for each child described under section 8701(d).
    ``(2) An employee may reduce or stop coverage elected pursuant to
this section at any time.''.
    (b) Technical and Conforming Amendments.--Section 8714c of title 5,
United States Code, is amended--
        (1) in subsection (c)(2), by striking ``section 8714b(c)(2) of
    this title'' and inserting ``section 8714b(c) (2) through (4)'';
    and
        (2) in subsection (d)(1), by inserting before the last sentence
    the following: ``Notwithstanding the preceding sentence, the full
    cost shall be continued after the calendar month in which the
    former employee becomes 65 years of age if, and for so long as, an
    election under this section corresponding to that described in
    section 8714b(c)(3)(B) remains in effect with respect to such
    former employee.''.

SEC. 9. OPEN SEASON.

    Beginning not later than 180 days after the date of enactment of
this Act, the Office of Personnel Management shall conduct an open
enrollment opportunity for purposes of chapter 87 of title 5, United
States Code, over a period of not less than 8 weeks. During this
period, an employee (as defined under section 8701(a) of such title)--
        (1) may, if the employee previously declined or voluntarily
    terminated any coverage under chapter 87 of such title, elect to
    begin, resume, or increase group life insurance (and acquire
    applicable accidental death and dismemberment insurance) under all
    sections of such chapter without submitting evidence of
    insurability; and
        (2) may, if currently insured for optional life insurance on
    family members, elect an amount above the minimum insurance on a
    spouse.

SEC. 10. MERIT SYSTEM JUDICIAL REVIEW.

    (a) In General.--Section 7703 of title 5, United States Code, is
amended--
        (1) in subsection (b)(1) by striking ``within 30 days'' and
    inserting ``within 60 days''; and
        (2) in subsection (d) in the first sentence, by inserting after
    ``filing'' the following: ``, within 60 days after the date the
    Director received notice of the final order or decision of the
    Board,''.
    (b) Effective Date.--The amendments made by this section shall take
effect on the date of enactment of this Act, and apply to any suit,
action, or other administrative or judicial proceeding pending on such
date or commenced on or after such date.

SEC. 11. EFFECTIVE DATES.

    (a) In General.--Except as otherwise provided in this Act, the
amendments made by this Act shall take effect on the date of enactment
of this Act.
    (b) Maximum Limitation on Employee Insurance.--Section 3 shall take
effect on the first day of the first applicable pay period beginning on
or after the date of enactment of this Act.
    (c) Erroneous Coverage.--Section 5 shall be effective in any case
in which a finding of erroneous insurance coverage is made on or after
the date of enactment of this Act.
    (d) Direct Payment of Insurance Contributions.--Section 6 shall
take effect on the first day of the first applicable pay period
beginning on or after the date of enactment of this Act.
    (e) Additional Optional Life Insurance.--
        (1) In general.--Section 7 shall take effect on the first day
    of the first pay period that begins on or after the 180th day
    following the date of enactment of this Act, or on any earlier date
    that the Office of Personnel Management may prescribe that is at
    least 60 days after the date of enactment of this Act.
        (2) Regulations.--The Office shall prescribe regulations under
    which an employee may elect to continue additional optional
    insurance that remains in force on such effective date without
    subsequent reduction and with the full cost withheld from annuity
    or compensation on and after such effective date if that employee--
            (A) separated from service before such effective date due
        to retirement or entitlement to compensation under subchapter I
        of chapter 81 of title 5, United States Code; and
            (B) continued additional optional insurance pursuant to
        section 8714b(c)(2) as in effect immediately before such
        effective date.
    (f) Improved Optional Life Insurance on Family Members.--The
amendments made by section 8 shall take effect on the first day of the
first pay period which begins on or after the 180th day following the
date of enactment of this Act or on any earlier date that the Office of
Personnel Management may prescribe.
    (g) Open Season.--Any election made by an employee under section 9,
and applicable withholdings, shall be effective on the first day of the
first applicable pay period that--
        (1) begins on or after the date occurring 365 days after the
    first day of the election period authorized under section 9; and
        (2) follows a pay period in which the employee was in a pay and
    duty status.

                               Speaker of the House of Representatives.

                            Vice President of the United States and
                                               President of the Senate.

Output:
Federal Employees Life Insurance Improvement Act - Directs the Office of Personnel Management to conduct a study on the following life insurance options for Federal employees:  (1) group universal life insurance; (2) group variable universal life insurance; and (3) additional voluntary accidental death and dismemberment insurance.
(Sec. 3) Amends requirements relating to Federal employee life insurance to repeal the maximum limitation on:  (1) group accidental death and dismemberment life insurance; and (2) additional optional life insurance.
(Sec. 4) Modifies the definition of "family member " to include a foster child.
(Sec. 5) Prohibits the invalidation of an employee's group life and accidental death and dismemberment insurance policy based on a finding that the employee erroneously became insured, or erroneously continued insurance upon retirement or entitlement to compensation for work injuries, if such finding occurs after the erroneous insurance and applicable withholdings have been in force for two years during the employee's lifetime.
(Sec. 6) Permits an employee who is subject to withholdings for group life and accidental death and dismemberment insurance, optional life insurance, additional life insurance, or optional life insurance on family members and whose pay, annuity, or compensation are insufficient to cover such withholdings to nevertheless continue such insurance if such employee arranges to pay currently into the Employees' Life Insurance Fund, through the agency or retirement system that administers pay, annuity, or compensation, an amount equal to the withholding that would otherwise be required.
(Sec. 7) Provides for the amount of additional optional life insurance of any employee who retires on an immediate annuity or who becomes entitled to receive compensation because of disease or injury to the employee, to be continued, with or without reduction, in accordance with the employee's written election at the time eligibility to continue insurance during retirement or receipt of compensation arises.  Permits the employee, instead of the option under current law, to elect to have the full cost of such insurance continue to be withheld from such employee's annuity or compensation on and after the date such withholdings would otherwise cease pursuant to an election, in which case the amount of such insurance continued shall not be reduced.    Allows an employee whose additional optional insurance would otherwise stop, and who is not eligible to continue insurance, to elect to continue such insurance at group rates, in lieu of conversion to an individual policy.
Requires an employee or former employee who elects to continue such insurance following separation from service or 12 months without pay to submit timely payment of its full cost, plus any amount the Office determines necessary to cover associated administrative expenses.
Disallows any election to continue such insurance from being made three years after an effective date.  Terminates, on and after the date on which an election may no longer be made, all such insurance for former employees, subject to a provision for temporary extension of life insurance coverage and for conversion to an individual policy of life insurance under conditions approved by the Office.  Requires the Office, not later than three years after the enactment of this Act, to report to the Congress on such insurance, including recommendations on whether continuation for such insurance should terminate as provided, be extended, or be made permanent.
(Sec. 8) Revises requirements relating to optional life insurance on family members.
(Sec. 9) Requires the Office to conduct an open enrollment opportunity for purposes of obtaining life insurance.  Permits an employee during this period:  (1) if the employee previously declined or voluntarily terminated any coverage, to elect to begin, resume, or increase group life insurance (and acquire applicable accidental death and dismemberment insurance) without submitting evidence of insurability; and (2) if currently insured for optional life insurance on family members, to elect an amount above the minimum insurance on a spouse.
(Sec. 10) Amends provisions relating to the judicial review of decisions of the Merit Systems Protection Board to:  (1) revise the time period (from 30 to 60 days) any petition for judicial review of a final order or decision of the Board must be filed; and (2) permit the Director to obtain review of any final order or decision of the Board by filing within 60 days (currently, no limitation) after the date he or she received notice of the final order or decision of the Board.


Input:
SECTION 1. SHORT TITLE.

    This Act may be cited as the ``High Plains Aquifer Hydrogeologic
Characterization, Mapping, and Modeling Act''.

SEC. 2. DEFINITIONS.

    For the purposes of this Act:
            (1) Association.--The term ``Association'' means the
        Association of American State Geologists.
            (2) Council.--The term ``Council'' means the Western States
        Water Council.
            (3) Director.--The term ``Director'' means the Director of
        the United States Geological Survey.
            (4) High plains aquifer.--The term ``High Plains Aquifer''
        is the groundwater reserve depicted as Figure 1 in the United
        States Geological Survey Professional Paper 1400-B, titled
        ``Geohydrology of the High Plains Aquifer in Parts of Colorado,
        Kansas, Nebraska, New Mexico, Oklahoma, South Dakota, Texas,
        and Wyoming.''
            (5) High plains aquifer states.--The term ``High Plains
        Aquifer States'' means the States of Colorado, Kansas,
        Nebraska, New Mexico, Oklahoma, South Dakota, Texas, and
        Wyoming.
            (6) Review panel.--The term ``Review Panel'' means the
        panel provided for by section 3(d).
            (7) Secretary.--The term ``Secretary'' means the Secretary
        of the Interior.

SEC. 3. ESTABLISHMENT.

    (a) Program.--The Secretary, through the United States Geological
Survey, and in cooperation with the High Plains Aquifer States, shall
establish and carry out the High Plains Aquifer Comprehensive
Hydrogeologic Program, to characterize, map, and model the High Plains
Aquifer. The Program shall undertake at the most detailed levels
determined to be appropriate on a state-by-state basis,
characterization, mapping and modeling of the hydrogeological
configuration of the High Plains Aquifer.
    (b) Objectives.--The objectives of the Program are to:
            (1) provide for the hydrogeologic characterization, mapping
        and modeling of the High Plains Aquifer through a cooperative
        partnership effort between the U.S. Geological Survey and the
        High Plains Aquifer States;
            (2) coordinate Federal, State, and local data, maps, and
        models into an integrated physical characterization of the High
        Plains Aquifer;
            (3) support State and local activities with scientific and
        technical specialists; and
            (4) undertake activities and provide technical capabilities
        not available at the State and local levels as may be requested
        by a Governor of a High Plains Aquifer State within such state.
    (c) Requests From Governors.--The Governor of a High Plains Aquifer
State may submit a proposal to the Secretary requesting the Secretary
to undertake activities and provide financial and technical
capabilities not available at the State and local levels to carry out
the purposes of the Program.
    (d) Review Panel.--Not later than six months after the date of
enactment of this Act, the Secretary shall establish a Review Panel to:
(1) evaluate the proposals submitted for funding under subsection (f);
and (2) review and coordinate Program priorities. In performing its
functions, the Review Panel shall consult with the Association and the
Council.
    (e) Composition and Support.--The Review Panel shall be comprised
of: (1) five representatives of the United States Geological Survey, at
least two of which shall be hydrologists or hydrogeologists; and (2)
one representative who is knowledgeable regarding hydrogeologic data
and information from each of the High Plains Aquifer States that elects
to participate in the Program. Each representative of a High Plains
Aquifer State shall be recommended by the Governor of such State. The
Secretary shall provide technical and administrative support to the
Review Panel. Expenses for the Review Panel shall be paid from Program
funds other than those referred to in subsection (f).
    (f) Funding.--Fifty percent of the funds appropriated to carry out
this Program shall be allocated equally by the Secretary for the
participation of State and local agencies and institutions of higher
education within each of the High Plains Aquifer States that elects to
participate in the Program. Grants may be made by the Secretary from
the funds described in this subsection based on proposals that have
been recommended by the Governor and reviewed by the Review Panel.
Proposals for multistate activities must be recommended by the
Governors of all the affected States.

SEC. 4. REPORTS.

    (a) Report on Program Implementation.--One year after the date of
enactment of this Act, and every 3 years thereafter through fiscal year
2011, the Secretary shall include a report on the Program in the annual
budget documents for the Department of the Interior. The initial report
submitted by the Secretary shall contain a Program plan developed with
the concurrence of the Review Panel.
    (b) Report on High Plains Aquifer.--No later than four years after
the date of enactment of this Act and upon completion of the Program in
fiscal year 2011, the Secretary shall submit an interim and final
report, respectively, to the Governors of the High Plains Aquifer
States on the status of the High Plains Aquifer.

SEC. 5. AUTHORIZATION OF APPROPRIATIONS.

    There are authorized to be appropriated such sums as may be
necessary for each of the fiscal years 2003 through 2011 to carry out
this Act.

            Passed the Senate April 7, 2003.

            Attest:

                                             EMILY J. REYNOLDS,

                                                             Secretary.

Output: (This measure has not been amended since it was reported to the Senate on March 19, 2003. The summary of that version is repeated here.)High Plains Aquifer Hydrogeologic Characterization, Mapping, and Modeling Act - (Sec. 3) Directs the Secretary of the Interior, through the United States Geological Survey and in cooperation with the High Plains Aquifer States (Colorado, Kansas, Nebraska, New Mexico, Oklahoma, South Dakota, Texas, and Wyoming), to establish and carry out the High Plains Aquifer Comprehensive Hydrogeologic Program to characterize, map, and model the High Plains Aquifer.Lists as Program objectives to: (1) provide for the hydrogeologic characterization, mapping, and modeling of the Aquifer through a cooperative partnership effort between the U.S. Geological Survey and the High Plains Aquifer States; (2) coordinate Federal, State, and local data, maps, and models into an integrated physical characterization of the Aquifer; (3) support State and local activities with scientific and technical specialists; and (4) undertake activities and provide technical capabilities not available at State and local levels, as may be requested by a participating State's Governor.Directs the Secretary to establish a Review Panel to: (1) evaluate the proposals submitted for funding under this Act; and (2) review and coordinate Program priorities. Requires the Panel to consult with the Association of American State Geologists and the Western States Water Council.Requires that 50 percent of the funds appropriated to carry out the Program be allocated equally by the Secretary for the participation of State and local agencies and institutions of higher education within each of the participating States. Authorizes the Secretary to make grants from such funds based on proposals that have been recommended by a Governor and reviewed by the Panel. Requires proposals for multistate activities to be recommended by the Governors of all the affected States.(Sec. 4) Requires the Secretary to: (1) include reports on the Program in the annual budget documents for the Interior Department (the initial report to contain a Program plan developed with the concurrence of the Review Panel); and (2) submit an interim and final status report to the Governors of the High Plains Aquifer States.(Sec. 5) Authorizes appropriations.


Input:
SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Disability Insurance Reform Act of
1994''.

SEC. 2. REFORM OF MONTHLY INSURANCE BENEFITS BASED ON DISABILITY
              INVOLVING SUBSTANCE ABUSE.

    (a) In General.--Section 225 of the Social Security Act (42 U.S.C.
425) is amended--
            (1) by striking the heading and inserting the following:

      ``additional rules relating to benefits based on disability

                      ``Suspension of Benefits'';

            (2) by inserting before subsection (b) the following new
        heading:

       ``Continued Payments During Rehabilitation Program''; and

            (3) by adding at the end the following new subsection:

         ``Nonpayment of Benefits by Reason of Substance Abuse

    ``(c)(1)(A) Notwithstanding any other provision of this title, no
benefit based on disability under this title shall be paid to any
individual for any month during any period of consecutive months
beginning with a month in which such individual is medically determined
to be a drug addict or an alcoholic and ending with a month as of the
end of which--
            ``(i) the person, through an outpatient rehabilitation
        program, has subsequently undergone treatment appropriate for
        such condition for 3 months at an institution or facility
        approved by the Secretary for purposes of this subsection, and
        has complied with the terms, conditions, and requirements of
        such treatment and with the requirements imposed under
        paragraph (4); and
            ``(ii) the Secretary determines that--
                    ``(I) the person has made progress towards
                recovery, or has recovered; or
                    ``(II) if the person has not made progress towards
                recovery, the person meets such requirements
                established in regulations as the Secretary deems
                appropriate to effectuate the purposes of this title.
    ``(B) In any case in which an individual's disability is based in
whole or in part on a medical determination that the individual is a
drug addict or alcoholic, such individual's benefits based on
disability under this title which are otherwise payable for any month
preceding the month in which application for such benefits is made
(pursuant to section 202(j)(1) or the last sentence of section 223(b))
shall be payable only pursuant to a certification of such payment to a
representative payee of such individual pursuant to section 205(j).
    ``(2) If, after the 3-month treatment period referred to in
paragraph (1)(A), the Secretary determines that the person has not
recovered from the condition treated, then, as a condition of receiving
benefits based on disability under this title for any month after such
period, the person must continue to comply with the terms, conditions,
and requirements of such treatment and with the requirements imposed
under paragraph (4), until the month in which the Secretary determines
that the person has recovered from such condition.
    ``(3)(A) Notwithstanding any other provision of this title, in the
case of a person who fails to continue treatment as required by
paragraph (2), no benefit based on disability shall be paid under this
title for any month ending after such failure and before the person has
completed 2 weeks of such treatment.
    ``(B) In the case of a person to whom a benefit based on disability
under this title becomes payable for any month after a month for which
such benefit was not payable under subparagraph (A), and who thereafter
fails to continue treatment as required by paragraph (2), no benefit
based on disability shall be paid under this title for any month ending
after such failure and before the person has completed 2 months of such
treatment.
    ``(C) In the case of a person to whom a benefit based on disability
under this title becomes payable for any month after a month for which
such benefit was not payable under subparagraph (B), and who thereafter
fails to continue treatment as required by paragraph (2), no benefit
based on disability shall be paid under this title for any month ending
after such failure.
    ``(4) For purposes of this subsection, the term `benefit based on
disability' of an individual means a disability insurance benefit of
such individual under section 223 or a child's, widow's, or widower's
insurance benefit of such individual under section 202 based on the
disability of such individual.
    ``(5) Monthly insurance benefits under this title which would be
payable to any individual (other than the disabled individual to whom
benefits are not payable by reason of this subsection) on the basis of
the wages and self-employment income of such a disabled individual but
for the provisions of paragraph (1), shall be payable as though such
disabled individual were receiving such benefits which are not payable
under this subsection.
    ``(6) The Secretary shall provide for the monitoring and testing of
all individuals who are receiving benefits under this title and who as
a condition of such benefits are required to be undergoing treatment
and complying with the terms, conditions, and requirements thereof as
described in the preceding provisions of this subsection, in order to
assure such compliance and to determine the extent to which the
imposition of such requirements is contributing to the achievement of
the purposes of this title. The Secretary may retain jurisdiction in
the case of a hearing before the Secretary under this title to the
extent the Secretary determines necessary to carry out the preceding
sentence. The Secretary shall annually submit to the Congress a full
and complete report on the Secretary's activities under this paragraph.
    ``(7) The Secretary, in consultation with drug and alcohol
treatment professionals, shall develop standards for drug and alcohol
treatment programs, and in consultation with States, shall develop
guidelines to be used to review and evaluate the progress of
participants in such programs.''.
    (b) Preservation of Medicare Benefits.--Section 226 of such title
(42 U.S.C. 426) is amended by adding at the end the following:
    ``(i) For purposes of this section, each person to whom a benefit
for any month is not payable by reason of section 225(c) shall be
treated as entitled to such benefit for such month if such person would
be entitled to such benefit for such month in the absence of such
section.''.
    (c) Effective Date.--The amendments made by this section shall
apply to benefits payable for months beginning 90 or more days after
the date of the enactment of this Act.

SEC. 3. RESTRICTION OF FUTURE REPRESENTATIVE PAYEES TO GOVERNMENT
              AGENCIES, STATE-LICENCED OR CERTIFIED FACILITIES, OR
              STATE-BONDED OR LICENSED COMMUNITY-BASED NONPROFIT SOCIAL
              SERVICE AGENCIES.

    (a) Restriction to Qualified Organizations.--Section 205(j) of the
Social Security Act (42 U.S.C. 405(j)) is amended--
            (1) in paragraph (1), by striking ``another individual, or
        an organization,'' and inserting ``a qualified organization'';
            (2) in paragraph (2)(A)(i), by striking ``the person'' and
        inserting ``the qualified organization'', and by striking
        ``such person'' and inserting ``representatives of such
        qualified organization'';
            (3) in paragraph (2)(B)(i), by striking ``person'' each
        place it appears in subclause (I) and inserting ``qualified
        organization'', by striking ``person's social security account
        number (or employer identification number)'' in subclause (II)
        and inserting ``qualified organization's employer
        identification number'', by striking ``such person'' in
        subclause (III) and inserting ``such qualified organization'',
        and by striking ``such person'' each place it appears in
        subclause (IV) and inserting ``such qualified organization'';
        and
            (4) by striking paragraph (2)(B)(ii), by redesignating
        paragraph (2)(B)(i) (as amended by paragraph (3)) as paragraph
        (2)(B), and by redesignating subclauses (I), (II), (III), and
        (IV) of paragraph (2)(B) (as redesignated) as clauses (i),
        (ii), (iii), and (iv), respectively.
    (b) Qualified Organization Defined.--
            (1) In general.--Section 205(j)(2)(C)(i) of such Act (42
        U.S.C. 405(j)(2)(C)(i)) is amended by striking ``Benefits of an
        individual may not be certified for payment to any other person
        pursuant to this subsection if--'' and inserting ``For purposes
        of this subsection, the term `qualified organization' means an
        agency or instrumentality of a State or a political subdivision
        of a State, a nonprofit facility that is licensed or certified
        as a care facility under the law of a State or a political
        subdivision of a State, and, in connection with services
        provided as a representative payee under this subsection in any
        State, a community-based nonprofit social service agency which
        is bonded or licensed in such State. Except as otherwise
        provided in this subsection, such term does not include any
        person if--''.
            (2) Conforming amendments.--Section 205(j)(2)(C) of such
        Act is further amended--
                    (A) by striking ``subparagraph (B)(i)(III)'' in
                clause (i)(I) and inserting ``subparagraph (B)(iii)'',
                and by striking ``subparagraph (B)(i)(IV)'' in clause
                (i)(II) and inserting ``subparagraph (B)(iv)'';
                    (B) in clause (iii), by striking subclauses (I) and
                (IV), by redesignating subclauses (II), (III), and (V)
                as subclauses (I), (II), and (III), respectively, and
                by striking ``an individual'' in subclause (III) (as
                redesignated) and inserting ``a person''; and
                    (C) in clause (iv), by striking ``individual'' each
                place it appears and inserting ``person''.
    (c) Authorization for Fees.--Section 205(j)(4) of such Act (42
U.S.C. 405(j)(4)) is amended--
            (1) by striking subparagraph (A) and inserting the
        following:
    ``(4)(A) A qualified organization may collect from an individual a
monthly fee for expenses (including overhead) incurred by such
organization in providing services performed as such individual's
representative payee pursuant to this subsection if such fee does not
exceed 10 percent of the monthly benefit involved. Any agreement
providing for a fee in excess of the amount permitted under this
subparagraph shall be void and shall be treated as misuse by such
organization of such individual's benefits.'';
            (2) by striking subparagraph (B);
            (3) by redesignating subparagraph (C) as subparagraph (B)
        and, in subparagraph (B) (as so redesignated), by striking
        ``qualified organization'' and inserting ``person''; and
            (4) by striking subparagraph (D).
    (d) Effective Date.--The amendments made by this section shall
apply with respect to certifications of payments to representative
payees made on or after the date of the enactment of this Act. Section
205(j) of the Social Security Act (42 U.S.C. 405(j)) as in effect
immediately before the date of the enactment of this Act shall continue
to apply, in the case of any person who is then a representative payee
under such section with respect to benefits for which certification of
payment to such person under such section is then in effect, until such
certification ceases to be effective under such section as then in
effect.

Output:
Disability Insurance Reform Act of 1994 - Amends title II (Old Age, Survivors and Disability Insurance) of the Social Security Act to prohibit the payment of benefits based on disability to any individual who is a drug addict or alcoholic until such individual:  (1) undergoes appropriate substance abuse treatment at an approved facility; (2) has complied with the terms of such treatment; and (3) either recovers or makes progress towards recovery, with benefits terminated if the individual fails to continue treatment.
Requires lump sum disability payments to be made only through a qualified governmental or nonprofit care facility or community-based social service agency representative payees.  Makes other changes with regard to representative payees, including allowing them to collect monthly fees for expenses in providing service.
Requires the Secretary of Health and Human Services to provide for a monitoring and testing program to ensure individual compliance with treatment requirements.


Input:
SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Small Business Loan Revitalization
Act''.

SEC. 2. COMBINATION FINANCING.

    (a) In General.--Section 7(a) of the Small Business Act (15 U.S.C.
636(a)) is amended by adding at the end the following:
            ``(31) Combination financing.--
                    ``(A) Definitions.--In this paragraph--
                            ``(i) the term `combination financing'
                        means financing comprised of a loan guaranteed
                        under this subsection and a commercial loan;
                        and
                            ``(ii) the term `commercial loan' means a
                        loan of which no portion is guaranteed by the
                        Federal government.
                    ``(B) Application.--A loan guarantee under this
                subsection on behalf of a small business concern, which
                is approved within 120 days of the date on which a
                commercial loan is obtained by the same small business
                concern, shall be subject to the provisions of this
                paragraph.
                    ``(C) Commercial loan amount.--A small business
                concern shall not be eligible to receive combination
                financing under this paragraph unless the commercial
                loan obtained by the small business concern does not
                exceed $2,000,000.
                    ``(D) Commercial loan provisions.--The commercial
                loan obtained by the small business concern--
                            ``(i) may be made by the participating
                        lender that is providing financing under this
                        subsection or by a different lender;
                            ``(ii) may be secured by a senior lien; and
                            ``(iii) may be made by a lender in the
                        Preferred Lenders Program, if applicable.
                    ``(E) Commercial loan fee.--A one-time fee in an
                amount equal to 0.5 percent of the amount of the
                commercial loan shall be paid by the lender to the
                Administration if the commercial loan has a senior
                credit position to that of the loan guaranteed under
                this subsection. All proceeds from the loan guaranteed
                under this subsection shall be used to offset the cost
                (as defined in section 502 of the Credit Reform Act of
                1990) to the Administration of guaranteeing loans under
                this subsection.
                    ``(F) Deferred participation loan eligibility.--
                            ``(i) Maximum amount.--A small business
                        concern may not receive combination financing
                        under this paragraph in an amount greater than
                        $4,000,000.
                            ``(ii) Net amount.--The net amount of the
                        deferred participation share shall not exceed
                        the maximum amount of a net guarantee provided
                        under paragraph (3)(A).
                    ``(G) Deferred participation loan security.--A loan
                guaranteed under this subsection may be secured by a
                subordinated lien.
                    ``(H) Availability.--Combination financing shall be
                available under this paragraph notwithstanding any
                maximum limitation on loans imposed by the
                Administration.''.
    (b) Sunset Date.--The amendment made by subsection (a) shall take
effect on the first day after the date of enactment of this Act and is
repealed on October 1, 2004.

SEC. 3. LOAN GUARANTEE FEES.

    (a) In General.--Section 7(a) of the Small Business Act (15 U.S.C.
636(a)) is amended--
            (1) in paragraph (18)(B), by adding at the end the
        following: ``This subparagraph shall not apply to any loan
        approved during the period beginning on the first day after the
        date of enactment of paragraph (23)(A)(iii) and ending on
        September 30, 2004.''; and
            (2) in paragraph (23), by amending subparagraph (A) to read
        as follows:
                    ``(A) Percentage.--
                            ``(i) In general.--With respect to each
                        loan guaranteed under this subsection, the
                        Administrator shall, in accordance with such
                        terms and procedures as the Administrator shall
                        establish by regulation, assess and collect an
                        annual fee in an amount equal to 0.5 percent of
                        the outstanding balance of the deferred
                        participation share of the loan.
                            ``(ii) First temporary percentage.--With
                        respect to loans approved during the period
                        beginning on October 1, 2002 and ending on the
                        date of enactment of this clause, the annual
                        fee assessed and collected under clause (i)
                        shall be equal to 0.25 percent of the
                        outstanding balance of the deferred
                        participation share of the loan.
                            ``(iii) Second temporary percentage.--
                        During the period beginning on the first day
                        after the date of enactment of this clause and
                        ending on September 30, 2004, the annual fee
                        assessed and collected under clause (i) shall
                        be equal to 0.35 percent of the outstanding
                        balance of the deferred participation share of
                        the loan.''.
    (b) Effective Date.--The amendments made by subsection (a) shall
take effect on the first day after the date of enactment of this Act
and are repealed on October 1, 2004.

SEC. 4. RECONSIDERATION OF LOAN APPLICATIONS REJECTED BASED ON LOAN
              AMOUNT.

    (a) Consideration of Loan Application Submitted Before January 8,
2004.--Beginning on the first day after the date of enactment of this
Act, the Small Business Administration shall reconsider any application
submitted on or after December 23, 2003 and before January 8, 2004,
under section 7(a) of the Small Business Act (15 U.S.C. 636(a)) that
was rejected based on the loan amount requested before considering any
other application if the applicant is otherwise eligible for financial
assistance under that section.
    (b) Export Working Capital.--Any small business that received
financing under section 7(a)(14) of the Small Business Act (15 U.S.C.
636(a)(14)) before January 1, 2004, and requests a renewal of such
financing, shall have their request approved regardless of the size of
such financing (subject to the limitations in section 7(a)(3) of such
Act) if the small business is otherwise eligible for such financing
under that section.
    (c) Maximum Loan Amount.--Ten days after the date of enactment of
this Act, the Small Business Administration shall allow loans under
section 7 of the Small Business Act (15 U.S.C. 636) up to the maximum
amount permitted under the Small Business Act.

Output:
Small Business Loan Revitalization Act - Amends the Small Business Act (the Act) to provide requirements for the making of a Small Business Administration (SBA) guaranteed loan to a small business within 120 days after a commercial loan is obtained by that small business. Makes such small business ineligible for the SBA loan unless the commercial loan does not exceed $2 million.

Allows the commercial loan to be: (1) made by the lender providing the guaranteed financing or by a different lender; (2) secured by a senior lien; and (3) made by a lender in the Preferred Lenders Program. Requires a fee to be paid by the lender to the SBA if the commercial loan has a senior credit position to that of the guaranteed loan.

Prohibits a small business from receiving combination financing (an SBA-guaranteed loan and a commercial loan) in an amount greater than $4 million.

Makes current SBA-guaranteed loan fees inapplicable to loans approved from the day after enactment of this Act until September 30, 2004. Applies a loan fee with respect to loans approved during the period beginning on: (1) October 1, 2002, and ending on the date of enactment of this Act of 0.25 percent of the outstanding balance of the deferred participation share of the loan; and (2) the first day after the enactment of this Act and ending on September 30, 2004, of 0.35 percent of such outstanding balance.

Directs the SBA to reconsider, before considering any other application, any application submitted on or after December 23, 2003, and before January 8, 2004, for an SBA loan guarantee that was rejected based on the loan amount requested if the applicant is otherwise eligible for financial assistance under the Act. Requires any small business that received SBA export working capital financing before January 1, 2004, and requests a financing renewal to have their request approved regardless of the size of such financing, if the small business is otherwise eligible for such financing.

Directs the SBA, ten days after the enactment of this Act, to allow general small business start-up loans up to the maximum amount permitted under the Act.


Input:
SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Food Allergen Labeling and Consumer
Protection Act of 2003''.

SEC. 2. FINDINGS.

    Congress finds that--
            (1) it is estimated that--
                    (A) approximately 2 percent of adults and about 5
                percent of infants and young children in the United
                States suffer from food allergies; and
                    (B) each year, roughly 30,000 individuals require
                emergency room treatment and 150 individuals die
                because of allergic reactions to food;
            (2)(A) eight major foods or food groups--milk, eggs, fish,
        Crustacean shellfish, tree nuts, peanuts, wheat, and soybeans--
        account for 90 percent of food allergies;
            (B) at present, there is no cure for food allergies; and
            (C) a food allergic consumer must avoid the food to which
        the consumer is allergic;
            (3)(A) in a review of the foods of randomly selected
        manufacturers of baked goods, ice cream, and candy in Minnesota
        and Wisconsin in 1999, the Food and Drug Administration found
        that 25 percent of sampled foods failed to list peanuts or eggs
        as ingredients on the food labels; and
            (B) nationally, the number of recalls because of unlabeled
        allergens rose to 121 in 2000 from about 35 a decade earlier;
            (4) a recent study shows that many parents of children with
        a food allergy were unable to correctly identify in each of
        several food labels the ingredients derived from major food
        allergens;
            (5)(A) ingredients in foods must be listed by their
        ``common or usual name'';
            (B) in some cases, the common or usual name of an
        ingredient may be unfamiliar to consumers, and many consumers
        may not realize the ingredient is derived from, or contains, a
        major food allergen; and
            (C) in other cases, the ingredients may be declared as a
        class, including spices, flavorings, and certain colorings, or
        are exempt from the ingredient labeling requirements, such as
        incidental additives; and
            (6)(A) celiac disease is an immune-mediated disease that
        causes damage to the gastrointestinal tract, central nervous
        system, and other organs;
            (B) the current recommended treatment is avoidance of
        glutens in foods that are associated with celiac disease; and
            (C) a multicenter, multiyear study estimated that the
        prevalence of celiac disease in the United States is 0.5 to 1
        percent of the general population.

SEC. 3. FOOD LABELING; REQUIREMENT OF INFORMATION REGARDING ALLERGENIC
              SUBSTANCES.

    (a) In General.--Section 403 of the Federal Food, Drug, and
Cosmetic Act (21 U.S.C. 343) is amended by adding at the end the
following:
    ``(w)(1) If it is not a raw agricultural commodity and it is, or it
contains an ingredient that bears or contains, a major food allergen,
unless either--
            ``(A) the word `Contains', followed by the name of the food
        source from which the major food allergen is derived, is
        printed immediately after or is adjacent to the list of
        ingredients (in a type size no smaller than the type size used
        in the list of ingredients) required under subsections (g) and
        (i); or
            ``(B) the common or usual name of the major food allergen
        in the list of ingredients required under subsections (g) and
        (i) is followed in parentheses by the name of the food source
        from which the major food allergen is derived, except that the
name of the food source is not required when--
                    ``(i) the common or usual name of the ingredient
                uses the name of the food source from which the major
                food allergen is derived; or
                    ``(ii) the name of the food source from which the
                major food allergen is derived appears elsewhere in the
                ingredient list, unless the name of the food source
                appears elsewhere in the ingredient list only in the
                common or usual name of foods that are food ingredients
                that are not major food allergens under section
                201(qq)(2)(A) or (B).
    ``(2) As used in this subsection, the term `name of the food source
from which the major food allergen is derived' means the name described
in section 201(qq)(1); provided that in the case of a tree nut, fish,
or Crustacean shellfish, the term `name of the food source from which
the major food allergen is derived' means the name of the specific type
of nut or species of fish or Crustacean shellfish.
    ``(3) The information required under this subsection may appear in
labeling in lieu of appearing on the label only if the Secretary finds
that such other labeling is sufficient to protect the public health. A
finding by the Secretary under this paragraph (including any change in
an earlier finding under this paragraph) is effective upon publication
in the Federal Register as a notice.
    ``(4) Notwithstanding subsection (g), (i), or (k), or any other
law, a flavoring, coloring, or incidental additive that is, or that
bears or contains, a major food allergen shall be subject to the
labeling requirements of this subsection.
    ``(5) The Secretary may by regulation modify the requirements of
subparagraph (A) or (B) of paragraph (1), or eliminate either the
requirement of subparagraph (A) or the requirements of subparagraph (B)
of paragraph (1), if the Secretary determines that the modification or
elimination of the requirement of subparagraph (A) or the requirements
of subparagraph (B) is necessary to protect the public health.
    ``(6)(A) Any person may petition the Secretary to exempt a food
ingredient described in section 201(qq)(2) from the allergen labeling
requirements of this subsection.
    ``(B) The Secretary shall approve or deny such petition within 180
days of receipt of the petition or the petition shall be deemed denied,
unless an extension of time is mutually agreed upon by the Secretary
and the petitioner.
    ``(C) The burden shall be on the petitioner to provide scientific
evidence (including the analytical method used to produce the evidence)
that demonstrates that such food ingredient, as derived by the method
specified in the petition, does not cause an allergic response that
poses a risk to human health.
    ``(D) A determination regarding a petition under this paragraph
shall constitute final agency action.
    ``(E) The Secretary shall promptly post to a public site all
petitions received under this paragraph within 14 days of receipt and
the Secretary shall promptly post the Secretary's response to each.
    ``(7)(A) A person need not file a petition under paragraph (6) to
exempt a food ingredient described in section 201(qq)(2) from the
allergen labeling requirements of this subsection, if the person files
with the Secretary a notification containing--
            ``(i) scientific evidence (including the analytical method
        used) that demonstrates that the food ingredient (as derived by
        the method specified in the notification, where applicable)
        does not contain allergenic protein; or
            ``(ii) a determination by the Secretary that the ingredient
        does not cause an allergic response that poses a risk to human
        health under a premarket approval or notification program under
        section 409.
    ``(B) The food ingredient may be introduced or delivered for
introduction into interstate commerce as a food ingredient that is not
a major food allergen 90 days after the date of receipt of the
notification by the Secretary, unless the Secretary determines within
the 90-day period that the notification does not meet the requirements
of this paragraph, or there is insufficient scientific evidence to
determine that the food ingredient does not contain allergenic protein
or does not cause an allergenic response that poses a risk to human
health.
    ``(C) The Secretary shall promptly post to a public site a list of
all notifications received under this subparagraph within 14 days of
receipt and promptly post any objections thereto by the Secretary.
    ``(x) Notwithstanding subsection (g), (i), or (k), or any other
law, a spice, flavoring, coloring, or incidental additive that is, or
that bears or contains, a food allergen (other than a major food
allergen), as determined by the Secretary by regulation, shall be
disclosed in a manner specified by the Secretary by regulation.''.
    (b) Effect on Other Authority.--The amendments made by this section
that require a label or labeling for major food allergens do not alter
the authority of the Secretary of Health and Human Services under the
Federal Food, Drug, and Cosmetic Act (21 U.S.C. 301 et seq.) to require
a label or labeling for other food allergens.
    (c) Conforming Amendments.--
            (1) Section 201 of the Federal Food, Drug, and Cosmetic Act
        (21 U.S.C. 321) (as amended by section 2(b)) is amended by
        adding at the end the following:
    ``(qq) The term `major food allergen' means any of the following:
            ``(1) Milk, egg, fish (e.g., bass, flounder, or cod),
        Crustacean shellfish (e.g., crab, lobster, or shrimp), tree
        nuts (e.g., almonds, pecans, or walnuts), wheat, peanuts, and
        soybeans.
            ``(2) A food ingredient that contains protein derived from
        a food specified in paragraph (1), except the following:
                    ``(A) Any highly refined oil derived from a food
                specified in paragraph (1) and any ingredient derived
                from such highly refined oil.
                    ``(B) A food ingredient that is exempt under
                paragraph (6) or (7) of section 403(w).''.
            (2) Section 403A(a)(2) of the Federal Food, Drug, and
        Cosmetic Act (21 U.S.C. 343-1(a)(2)) is amended by striking
``or 403(i)(2)'' and inserting ``403(i)(2), 403(w), or 403(x)''.
    (d) Effective Date.--The amendments made by this section shall
apply to any food that is labeled on or after January 1, 2006.

SEC. 4. REPORT ON FOOD ALLERGENS.

    Not later than 18 months after the date of enactment of this Act,
the Secretary of Health and Human Services (in this section referred to
as the ``Secretary'') shall submit to the Committee on Health,
Education, Labor, and Pensions of the Senate and the Committee on
Energy and Commerce of the House of Representatives a report that--
            (1)(A) analyzes--
                    (i) the ways in which foods, during manufacturing
                and processing, are unintentionally contaminated with
                major food allergens, including contamination caused by
                the use by manufacturers of the same production line to
                produce both products for which major food allergens
                are intentional ingredients and products for which
                major food allergens are not intentional ingredients;
                and
                    (ii) the ways in which foods produced on dedicated
                production lines are unintentionally contaminated with
                major food allergens; and
            (B) estimates how common the practices described in
        subparagraph (A) are in the food industry, with breakdowns by
        food type as appropriate;
            (2) advises whether good manufacturing practices or other
        methods can be used to reduce or eliminate cross-contact of
        foods with the major food allergens;
            (3) describes--
                    (A) the various types of advisory labeling (such as
                labeling that uses the words ``may contain'') used by
                food producers;
                    (B) the conditions of manufacture of food that are
                associated with the various types of advisory labeling;
                and
                    (C) the extent to which advisory labels are being
                used on food products;
            (4) describes how consumers with food allergies or the
        caretakers of consumers would prefer that information about the
        risk of cross-contact be communicated on food labels as
        determined by using appropriate survey mechanisms;
            (5) states the number of inspections of food manufacturing
        and processing facilities conducted in the previous 2 years and
        describes--
                    (A) the number of facilities and food labels that
                were found to be in compliance or out of compliance
                with respect to cross-contact of foods with residues of
                major food allergens and the proper labeling of major
                food allergens;
                    (B) the nature of the violations found; and
                    (C) the number of voluntary recalls, and their
                classifications, of foods containing undeclared major
                food allergens; and
            (6) assesses the extent to which the Secretary and the food
        industry have effectively addressed cross-contact issues.

SEC. 5. INSPECTIONS RELATING TO FOOD ALLERGENS.

    The Secretary of Health and Human Services shall conduct
inspections consistent with the authority under section 704 of the
Federal Food, Drug, and Cosmetic Act (21 U.S.C. 374) of facilities in
which foods are manufactured, processed, packed, or held--
            (1) to ensure that the entities operating the facilities
        comply with practices to reduce or eliminate cross-contact of a
        food with residues of major food allergens that are not
        intentional ingredients of the food; and
            (2) to ensure that major food allergens are properly
        labeled on foods.

SEC. 6. GLUTEN LABELING.

    Not later than 2 years after the date of enactment of this Act, the
Secretary of Health and Human Services, in consultation with
appropriate experts and stakeholders, shall issue a proposed rule to
define, and permit use of, the term ``gluten-free'' on the labeling of
foods. Not later than 4 years after the date of enactment of this Act,
the Secretary shall issue a final rule to define, and permit use of,
the term ``gluten-free'' on the labeling of foods.

SEC. 7. IMPROVEMENT AND PUBLICATION OF DATA ON FOOD-RELATED ALLERGIC
              RESPONSES.

    (a) In General.--The Secretary of Health and Human Services, acting
through the Director of the Centers for Disease Control and Prevention
and in consultation with the Commissioner of Food and Drugs, shall
improve (including by educating physicians and other health care
providers) the collection of, and publish as it becomes available,
national data on--
            (1) the prevalence of food allergies;
            (2) the incidence of clinically significant or serious
        adverse events related to food allergies; and
            (3) the use of different modes of treatment for and
        prevention of allergic responses to foods.
    (b) Authorization of Appropriations.--For the purpose of carrying
out this section, there are authorized to be appropriated such sums as
may be necessary.

SEC. 8. FOOD ALLERGIES RESEARCH.

    (a) In General.--The Secretary of Health and Human Services, acting
through the Director of the National Institutes of Health, shall
convene an ad hoc panel of nationally recognized experts in allergy and
immunology to review current basic and clinical research efforts
related to food allergies.
    (b) Recommendations.--Not later than 1 year after the date of
enactment of this Act, the panel shall make recommendations to the
Secretary for enhancing and coordinating research activities concerning
food allergies, which the Secretary shall make public.

SEC. 9. FOOD ALLERGENS IN THE FOOD CODE.

    The Secretary of Health and Human Services shall, in the Conference
for Food Protection, as part of its efforts to encourage cooperative
activities between the States under section 311 of the Public Health
Service Act (42 U.S.C. 243), pursue revision of the Food Code to
provide guidelines for preparing allergen-free foods in food
establishments, including in restaurants, grocery store delicatessens
and bakeries, and elementary and secondary school cafeterias. The
Secretary shall consider guidelines and recommendations developed by
public and private entities for public and private food establishments
for preparing allergen-free foods in pursuing this revision.

SEC. 10. RECOMMENDATIONS REGARDING RESPONDING TO FOOD-RELATED ALLERGIC
              RESPONSES

    The Secretary of Health and Human Services shall, in providing
technical assistance relating to trauma care and emergency medical
services to State and local agencies under section 1202(b)(3) of the
Public Health Service Act (42 U.S.C. 300d-2(b)(3)), include technical
assistance relating to the use of different modes of treatment for and
prevention of allergic responses to foods.

Output:
Food Allergen Labeling and Consumer Protection Act of 2003 - Amends the Federal Food, Drug, and Cosmetic Act to set forth food labeling requirements for a food that is not a raw agricultural commodity and that is, or contains, a major food allergen (as defined by this Act).

States that: (1) any person may petition the Secretary of Health and Human Services to exempt a food ingredient from such requirements; and (2) the Secretary's determination of such a petition shall constitute final agency action.

Directs the Secretary to: (1) conduct inspections to ensure compliance with practices to reduce or eliminate cross-contact with major food allergen residues, and ensure that major food allergens are properly labeled on foods; (2) issue a final rule to define, and permit use of, the term "gluten-free" on the labeling of foods; (3) improve food allergen data collection, including physician and health care provider education; (4) convene a panel of allergy and immunology experts to review food allergy research efforts; (5) pursue Food Code revisions in order to provide allergen-free food preparation guidelines for food establishments; and (6) include food allergy treatment in trauma and emergency care technical assistance.


Input:
SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Medicaid Infant Mortality Amendments
of 1993''.

SEC. 2. PHASED-IN COVERAGE OF PREGNANT WOMEN AND INFANTS UP TO 185
              PERCENT OF POVERTY LEVEL.

    (a) In General.--Section 1902(l)(2)(A) of the Social Security Act
(42 U.S.C. 1396a(l)(2)(A)) is amended--
            (1) in clause (ii)--
                    (A) in subclause (I), by striking ``and'' at the
                end,
                    (B) by striking the period at the end of subclause
                (II) and inserting a comma, and
                    (C) by adding at the end the following new
                subclauses:
            ``(III) July 1, 1994, 150 percent, or, if greater, the
        percentage provided under clause (v), and
            ``(IV) July 1, 1995, 185 percent.''; and
            (2) by adding at the end the following new clause:
    ``(v) In the case of a State which, as of the date of the enactment
of this clause, has established under clause (i), or has enacted
legislation authorizing, or appropriating funds, to provide for, a
percentage (of the income official poverty line) that is greater than
150 percent, the percentage provided under clause (ii) for medical
assistance on or after July 1, 1994, shall not be less than--
            ``(I) the percentage specified by the State in an amendment
        to its State plan (whether approved or not) as of the date of
        the enactment of this clause, or
            ``(II) if no such percentage is specified as of the date of
        the enactment of this clause, the percentage established under
        the State's authorizing legislation or provided for under the
        State's appropriations.''.
    (b) Flexibility in Income Methodology and Deduction of Child Care
in Computation of Income.--Section 1902(l)(3)(E) of such Act (42 U.S.C.
1396a(l)(3)(E)) is amended by striking ``(E)'' and inserting the
following:
            ``(E)(i) with respect to an individual described in
        subparagraph (A) or (B) of paragraph (1), family income shall
        be determined in accordance with a methodology which is no more
        restrictive than the methodology employed under the State plan
        under part A or E of title IV (except to the extent such
        methodology is inconsistent with clause (D) of subsection
        (a)(17) and except that there shall be disregarded costs for
        such child care as is necessary for the employment of the
        pregnant woman or the caretaker of the infant), and costs
        incurred for medical care or for any other type of remedial
        care shall not be taken into account, and
            ``(ii) with respect to an individual described in paragraph
        (1)(C) or (1)(D),''.
    (c) Prohibiting Application of Resource Test.--Section 1902(l)(3)
of such Act (42 U.S.C. 1396a(l)(3)) is amended--
            (1) by amending subparagraph (A) to read as follows:
            ``(A)(i) no resource standard or methodology shall be
        applied to individuals who are eligible for medical assistance
        because of subsection (a)(10)(A)(i)(IV), and (ii) application
        of a resource standard or methodology for individuals who are
        eligible for medical assistance because of subsection
        (a)(10)(A)(i)(VI) or (a)(10)(A)(ii)(IX) shall be at the option
        of the State, but any such resource standard or methodology may
        not be more restrictive than the corresponding standard or
        methodology that is applied under the State plan under part A
        of title IV;'',
            (2) by striking subparagraphs (B) and (C), and
            (3) by redesignating subparagraphs (D) and (E) as
        subparagraphs (B) and (C), respectively.
    (d) Effective Dates.--
            (1) Higher income standards.--Except as provided in
        paragraph (3), the amendments made by subsection (a) shall
        apply to payments under title XIX of the Social Security Act
        for calendar quarters beginning on or after July 1, 1994, with
        respect to eligibility for medical assistance on or after such
        date, without regard to whether or not final regulations to
        carry out such amendments have been promulgated by such date.
            (2) Income methodology and resource standard.--Except as
        provided in paragraph (3), the amendments made by subsections
        (b) and (c) shall apply to payments under title XIX of the
        Social Security Act for calendar quarters beginning on or after
        July 1, 1994, with respect to eligibility for medical
        assistance on or after such date, without regard to whether or
        not final regulations to carry out such amendments have been
        promulgated by such date.
            (3) Exception for certain states.--In the case of a State
        plan for medical assistance under title XIX of the Social
        Security Act which the Secretary of Health and Human Services
        determines requires State legislation (other than legislation
        authorizing or appropriating funds) in order for the plan to
        meet the additional requirements imposed by the amendments made
        by this section, the State plan shall not be regarded as
        failing to comply with the requirements of such title solely on
        the basis of its failure to meet these additional requirements
        before the first day of the first calendar quarter beginning
        after the close of the first regular session of the State
        legislature that begins after the date of the enactment of this
        Act. For purposes of the previous sentence, in the case of a
        State that has a 2-year legislative session, each year of such
        session shall be deemed to be a separate regular session of the
        State legislature.

SEC. 3. OPTIONAL COVERAGE OF PRENATAL AND POST PARTUM HOME VISITATION
              SERVICES.

    (a) In General.--Section 1905(a) of the Social Security Act (42
U.S.C. 1396d(a)) is amended--
            (1) by striking ``and'' at the end of paragraph (21),
            (2) by redesignating paragraph (22) as paragraph (25),
            (3) by redesignating paragraphs (23) and (24) as paragraphs
        (22) and (23), respectively,
            (4) by inserting after paragraph (23) the following new
        paragraph:
            ``(24) prenatal home visitation services for high-risk
        pregnant women, post partum home visitation services with
        respect to high-risk infants under 1 year of age, or both (as
        specified by the State), as prescribed by a physician; and''.
    (b) Conforming Amendments.--Section 1902 of such Act (42 U.S.C.
1396a) is amended--
            (1) in subsection (a)(10)(C)(iv), by striking ``(21)'' and
        inserting ``(24)'', and
            (2) in subsection (j), by striking ``(22)'' and inserting
        ``(25)''.
    (c) Effective Date.--The amendments made by this section shall
apply to services furnished on or after July 1, 1994, without regard to
whether or not final regulations to carry out such amendments have been
promulgated by such date.

Output:
Medicaid Infant Mortality Amendments of 1993 - Amends title XIX (Medicaid) of the Social Security Act to phase-in mandatory State coverage of pregnant women and infants whose family income is below 185 percent of the Federal poverty level.  Deducts child and medical care costs from the income eligibility test.
Authorizes States to provide Medicaid coverage of prenatal home visitation services for high-risk pregnant women and/or postpartum home visitation services for high-risk infants.


Input:
SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Children's Financial Security Act of
1996''.

SEC. 2. FEDERAL CONTRIBUTIONS TO CHILD RETIREMENT ACCOUNTS.

    (a) In General.--As soon as practicable after the close of each
calendar year, the Secretary of the Treasury or his delegate shall
transfer for such calendar year, from amounts in the general fund of
the Treasury not otherwise appropriated, $1,000 to the Child Retirement
Account of each individual who is an eligible child for such calendar
year.
    (b) Eligible Child.--For purposes of this section, the term
``eligible child'' means, with respect to any calendar year, any
individual who, as of the close of such calendar year--
            (1) is a citizen or resident alien of the United States,
        and
            (2) has not attained age 6.
    (c) Reduction in Contribution for Children of High Income
Parents.--
            (1) In general.--If, with respect to an eligible child, the
        adjusted gross income of the applicable taxpayer for the
        taxable year ending with or within a calendar year exceeds the
        threshold amount, the $1,000 amount in subsection (a) with
        respect to such child for such calendar year shall be reduced
        (but not below zero) by the amount which bears the same ratio
        to $1,000 as such excess bears to the phaseout range.
            (2) Applicable taxpayer may make-up reduced contribution.--
        If there is a reduction under this subsection in the amount
        transferred under subsection (a) to the Child Retirement
        Account of an eligible child for any calendar year, the
        applicable taxpayer with respect to such child may (at such
        time and in such manner as the Secretary may prescribe)
        transfer an amount equal to the amount of such reduction to the
        Child Retirement Account of such child.
    (d) Children Below Age 19 as of Enactment.--
            (1) In general.--In the case of an individual who, as of
        the close of 1996--
                    (A) is a citizen or resident alien of the United
                States, and
                    (B) has not attained age 19,
        the applicable taxpayer with respect to such individual may (at
        such time and in such manner as the Secretary may prescribe)
        contribute to the Child Retirement Account of such child an
        amount equal to the lesser of $6,000 or the product of $1,000
        and the age of such child as of the close of 1996. Any
        contribution under the preceding sentence may be made only
        during 1997 and 1998.
            (2) Reduction of contribution for children of high income
        parents.--If, with respect to an individual described in
        paragraph (1), the adjusted gross income of the applicable
        taxpayer for the taxable year ending with or within 1997
        exceeds the threshold amount, the amount otherwise determined
        under paragraph (1) with respect to such individual shall be
        reduced (but not below zero) by the amount which bears the same
        ratio to the amount so otherwise determined as such excess
        bears to the phaseout range.
    (e) Definitions.--For purposes of subsections (c) and (d)--
            (1) Phaseout range.--The term ``phaseout range'' means--
                    (A) $50,000 in the case of a joint return,
                    (B) $33,000 in the case of an individual who is not
                married, and
                    (C) $25,000 in the case of a married individual
                filing a separate return.
            (2) Threshold amount.--The term ``threshold amount''
        means--
                    (A) $100,000 in the case of a joint return for such
                taxable year,
                    (B) $67,000 in the case of an individual who is not
                married, and
                    (C) $50,000 in the case of a married individual
                filing a separate return.
            (3) Applicable taxpayer.--The term ``applicable taxpayer''
        means, with respect to an eligible child--
                    (A) the taxpayer to whom a deduction is allowable
                under section 151(c) of the Internal Revenue Code of
                1986 for such child, or
                    (B) if no taxpayer is described in subparagraph
                (A), such child.

SEC. 3. CHILD RETIREMENT ACCOUNTS.

    (a) In General.--Subchapter F of chapter 1 of the Internal Revenue
Code of 1986 (relating to exempt organizations) is amended by adding at
the end the following new part:

                 ``PART VIII--CHILD RETIREMENT ACCOUNTS

                              ``Sec. 529. Child Retirement Accounts.

``SEC. 529. CHILD RETIREMENT ACCOUNTS.

    ``(a) Child Retirement Account.--For purposes of this part, the
term `Child Retirement Account' means any trust created or organized in
the United States for the exclusive benefit of the account beneficiary
but only if the written governing instrument creating the trust meets
the following requirements:
            ``(1) No contribution will be accepted unless it is in
        cash.
            ``(2) The only contributions which will be accepted are--
                    ``(A) contributions under section 2 of the
                Children's Financial Security Act of 1996,
                    ``(B) contributions of not more than $100 for each
                calendar year after the calendar year in which the
                account beneficiary attains age 5 and before the
                calendar year in which such beneficiary attains age 19,
                and
                    ``(C) trustee-to-trustee transfers to such trust
                from another Child Retirement Account of the account
                beneficiary.
            ``(3) The assets of the trust are invested only in an
        approved mutual fund.
            ``(4) The requirements of paragraphs (2) through (6) of
        section 408(a) are met.
    ``(b) Tax Treatment of Accounts.--
            ``(1) In general.--A Child Retirement Account is exempt
        from taxation under this subtitle unless such account has
        ceased to be a Child Retirement Account. Notwithstanding the
        preceding sentence, any such Account is subject to the taxes
        imposed by section 511 (relating to imposition of tax on
        unrelated business income of charitable, etc., organizations).
            ``(2) Account terminations.--Rules similar to the rules of
        paragraphs (2) and (4) of section 408(e) shall apply to Child
        Retirement Accounts; except that such paragraph (4) shall not
        apply to loans which are qualified special purpose
        distributions.
    ``(c) Tax Treatment of Distributions.--
            ``(1) In general.--
                    ``(A) Withholding.--The trustee of a Child
                Retirement Account shall deduct and withhold from any
                distribution from such Account a tax equal to 20
                percent of such distribution.
                    ``(B) No other tax.--Distributions from a Child
                Retirement Account shall not be includible in gross
                income.
                    ``(C) Credit for amounts withheld only on qualified
                special purpose loan distributions which are repaid.--
                In the case of an amount withheld under subparagraph
                (A) on a qualified special purpose distribution from a
                Child Retirement Account in the form of a loan, there
                shall be allowed as a credit against the tax imposed by
                this subtitle for any taxable year an amount which
                bears the same ratio to the amount withheld as the
                principal amount of such loan which is repaid during
                such taxable year bears to the total principal amount
                of the loan. The credit allowed under the preceding
                sentence shall be treated as a credit allowed under
                subpart C of part IV of subchapter A of this chapter
                and shall be allowed to the account beneficiary.
            ``(2) Penalty on distributions not used for qualified
        purposes.--If any distribution is made from a Child Retirement
        Account which is not a qualified distribution, the account
        beneficiary's tax imposed by this chapter for the taxable year
        in which such distribution is made shall be increased by an
        amount equal to 50 percent of such distribution.
            ``(3) Qualified distribution.--For purposes of paragraph
        (2), the term `qualified distribution' means any distribution--
                    ``(A) made on or after the date on which the
                account beneficiary attains age 59\1/2\,
                    ``(B) made to a beneficiary (or to the estate of
                the individual) on or after the death of the account
                beneficiary,
                    ``(C) attributable to the account beneficiary being
                disabled (within the meaning of section 72(m)(7)), or
                    ``(D) which is a qualified special purpose
                distribution.
            ``(4) Qualified special purpose distribution.--For purposes
        of paragraph (3), the term `qualified special purpose
        distribution' means any distribution (including in the form of
        a loan) from a Child Retirement Account to the account
        beneficiary--
                    ``(A) if such distribution is a qualified first-
                time homebuyer distribution, or
                    ``(B) to the extent the aggregate distributions
                from the Account does not exceed the qualified higher
                education expenses of the account beneficiary for the
                taxable year in which received.
        Such term shall not include any distribution from such an
        Account during a calendar year to the extent such distribution,
        when added to the amount of all prior distributions from such
        Account during the calendar year and all prior calendar years,
        exceeds an amount equal to 50 percent of the balance in such
        Account as of the close of the prior calendar year.
            ``(5) Qualified first-time homebuyer distributions.--
                    ``(A) In general.--For purposes of this subsection,
                the term `qualified first-time homebuyer distribution'
                means any payment or distribution received by the
                account beneficiary to the extent such payment or
                distribution is used by such beneficiary within a
                reasonable period to pay qualified acquisition costs
                with respect to a principal residence for such
                beneficiary as a first-time homebuyer.
                    ``(B) Qualified acquisition costs.--For purposes of
                this paragraph, the term `qualified acquisition costs'
                means the costs of acquiring, constructing, or
                reconstructing a residence. Such term includes any
                usual or reasonable settlement, financing, or other
                closing costs.
                    ``(C) First-time homebuyer; other definitions.--For
                purposes of this paragraph--
                            ``(i) First-time homebuyer.--The term
                        `first-time homebuyer' means any individual if
                        such individual (and, if married, such
                        individual's spouse) had no present ownership
                        interest in a principal residence during the 3-
                        year period ending on the date of acquisition
                        of the principal residence to which this
                        paragraph applies.
                            ``(ii) Principal residence.--The term
                        `principal residence' has the same meaning as
                        when used in section 1034.
                            ``(iii) Date of acquisition.--The term
                        `date of acquisition' means the date--
                                    ``(I) on which a binding contract
                                to acquire the principal residence to
                                which subparagraph (A) applies is
                                entered into, or
                                    ``(II) on which a binding contract
                                to construct or reconstruct such a
                                principal residence is entered into.
            ``(6) Qualified higher education expenses.--For purposes of
        this subsection--
                    ``(A) In general.--The term `qualified higher
                education expenses' means--
                            ``(i) expenses for tuition, fees, books,
                        supplies, and equipment required for the
                        enrollment or attendance of the account
                        beneficiary at an eligible educational
                        institution (as defined in section 135(c)(3)),
                        and
                            ``(ii) reasonable living expenses while
                        away from home while attending such
                        institution.
                    ``(B) Coordination with savings bond provisions.--
                The amount of qualified higher education expenses for
                any taxable year shall be reduced by any amount
                excludable from gross income under section 135.
            ``(7) Exceptions from withholding tax and penalty for
        trustee-to-trustee transfers.--Paragraphs (1)(A) and (2) shall
        not apply to any trustee-to-trustee transfers from a Child
        Retirement Account to another Child Retirement Account of the
        same account beneficiary.
    ``(d) Approved Mutual Fund.--For purposes of this section--
            ``(1) In general.--The term `approved mutual fund' means
        any fund of any regulated investment company (as defined in
        section 851(a)) if--
                    ``(A) an election under section 851(b)(1) is in
                effect with respect to such company, and
                    ``(B) such fund is designated by the Federal
                Retirement Thrift Investment Board for purposes of this
                section.
            ``(2) Standards for designation.--A fund may be designated
        under paragraph (1) only if the Federal Retirement Thrift
        Investment Board determines that it is reasonable to expect
        that not less than 75 percent of the total value of the assets
        of such fund are represented by equity securities.
    ``(e) Certain Rules To Apply.--Rules similar to the following rules
shall apply for purposes of this section:
            ``(1) Section 219(f)(3) (relating to time when
        contributions deemed made).
            ``(2) Section 408(g) (relating to community property laws).
            ``(3) Section 408(h) (relating to custodial accounts).
    ``(f) Reports.--The Secretary may require the trustee of a Child
Retirement Account to make such reports regarding such Account to the
Secretary and to the account beneficiary with respect to contributions,
distributions, and such other matters as the Secretary determines
appropriate. The reports required by this subsection shall be filed at
such time and in such manner and furnished to such individuals at such
time and in such manner as may be required by the Secretary.''
    (b) Conforming Amendments.--
            (1) Tax on prohibited transactions.--
                    (A) Section 4975 of such Code (relating to tax on
                prohibited transactions) is amended by adding at the
                end of subsection (c) the following new paragraph:
            ``(5) Special rule for child retirement accounts.--An
        individual for whose benefit a Child Retirement Account (within
        the meaning of section 529(a)) is established shall be exempt
        from the tax imposed by this section with respect to any
        transaction concerning such account (which would otherwise be
        taxable under this section) if, with respect to such
        transaction, the account ceases to be a Child Retirement
        Account by reason of the application of section 529(b)(2) to
        such Account.''
                    (B) Paragraph (1) of section 4975(e) of such Code
                is amended by striking ``or'' at the end of
                subparagraph (D), by redesignating subparagraph (E) as
                subparagraph (F), and by inserting after subparagraph
                (D) the following new subparagraph:
                    ``(E) a Child Retirement Account described in
                section 529(a), or''.
            (2) Failure to provide reports on child retirement
        accounts.--Paragraph (2) of section 6693(a) of such Code is
        amended by striking ``and'' at the end of subparagraph (A), by
        striking the period at the end of subparagraph (B) and
        inserting ``, and'', and by adding at the end the following new
        subparagraph:
                    ``(C) section 529(f) (relating to Child Retirement
                Accounts).''
            (3) Clerical amendment.--The table of parts for subchapter
        F of chapter 1 of such Code is amended by adding at the end the
        following new item:

                              ``Part VIII. Child Retirement Accounts.''
    (c) Effective Date.--The amendments made by this section shall
apply to taxable years beginning after December 31, 1996.

Output:
Children's Financial Security Act of 1996 -
Directs the Secretary of the Treasury or a delegate to transfer each calendar year, from the general fund of the Treasury and for each calendar year, $1,000 to the Child Retirement Account (CRA) of each eligible child.  Makes eligible any individual who as of the close of such calendar year:  (1) is a citizen or resident alien of the United States; and (2) has not attained age six.  Allows the applicable taxpayer, in the case of children below age 19 as of the close of 1996, to contribute, during 1997 and 1998 only, to the child's CRA an amount equal to the lesser of $6,000 or the product of $1,000 and the child's age as of the close of 1996.  Reduces the amount of any Federal or parental contribution for children of high-income parents, according to a phaseout range formula.
Amends the Internal Revenue Code to exempt CRAs from the income tax, but not from the tax on unrelated business income of charitable organizations.  Requires the withholding of a 20 percent tax on any distribution from a CRA (although such distributions shall not be included in gross income).  Provides for qualified special purpose distributions for first-time homebuying and for higher education expenses (along with a specified credit against the 20 percent distribution tax).