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SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Prepaid Card Consumer Protection Act
of 2010''.

SEC. 2. DEFINITIONS.

    (a) Definition of ``Account''.--Section 903 of the Electronic Fund
Transfer Act (15 U.S.C. 1693a) is amended by striking paragraph (2) and
inserting the following:
            ``(2) the term `account'--
                    ``(A) means--
                            ``(i) a demand deposit, savings deposit, or
                        other asset account (other than an occasional
                        or incidental credit balance in an open end
                        credit plan as defined in section 103(i) of
                        this Act), as described in regulations of the
                        Bureau, established primarily for personal,
                        family, or household purposes, including a
                        payroll card account, as defined by the Bureau
                        by rule; and
                            ``(ii) a spending card account, as defined
                        in section 924(a); and
                    ``(B) does not include an account held by a
                financial institution pursuant to a bona fide trust
                agreement;''.
    (b) Definition of ``Financial Institution''.--Section 903(9) of the
Electronic Fund Transfer Act (15 U.S.C. 1693a(9)) is amended by
striking ``holds an account'' and inserting ``provides or holds an
account containing funds''.
    (c) Technical and Conforming Amendments.--Section 903 of the
Electronic Fund Transfer Act (15 U.S.C. 1693a) is amended--
            (1) by redesignating paragraph (4) (relating to the Board
        of Governors of the Federal Reserve System), as so designated
        by section 1084(2)(A) of the Dodd-Frank Wall Street Reform and
        Consumer Protection Act (Public Law 111-203; 124 Stat. 2081),
        as paragraph (3); and
            (2) in paragraph (3), as so redesignated by paragraph (1)
        of this subsection, by striking ``term `Bureau' means the
        Bureau of Governors'' and inserting ``term `Board' means the
        Board of Governors''.

SEC. 3. SPENDING CARD ACCOUNTS.

    (a) Spending Card Accounts.--The Electronic Fund Transfer Act (15
U.S.C. 1693 et seq.) is amended--
            (1) by redesignating section 923 (15 U.S.C. 1693 note),
        relating to the effective date of the Electronic Fund Transfer
        Act, as so designated by section 1073 of the Dodd-Frank Wall
        Street Reform and Consumer Protection Act (Public Law 111-203;
        124 Stat. 2060), as section 925;
            (2) by redesignating section 922 (15 U.S.C. 1693r),
        relating to exemptions for State regulation, as so designated
        by section 1073 of the Dodd-Frank Wall Street Reform and
        Consumer Protection Act (Public Law 111-203; 124 Stat. 2060),
        as section 923; and
            (3) by inserting after section 923, as redesignated by
        paragraph (2), the following:
``Sec. 924. Spending card accounts
    ``(a) Definition.--For purposes of this section, the term `spending
card account'--
            ``(1) means an asset account, other than as defined in
        subparagraph (A)(i) or (B) of section 903(2)--
                    ``(A) that is established by a consumer or on
                behalf of a consumer;
                    ``(B) that contains the funds of a consumer;
                    ``(C) to which payments are to be made by a
                consumer, or at the direction of a consumer;
                    ``(D) to which recurring electronic fund transfers
                may be made, at the direction of a consumer; or
                    ``(E) from which payments may be made at the
                direction of a consumer through the use of a card,
                code, or device;
            ``(2) includes an asset account described in paragraph
        (1)--
                    ``(A) that is operated or managed by a financial
                institution, or any other person; and
                    ``(B) the funds of which are--
                            ``(i) pooled with the funds of a person
                        other than the person who established the
                        account; or
                            ``(ii) held in a name other than that of
                        the person who established the account; and
            ``(3) does not include--
                    ``(A) a nonreloadable general-use prepaid card, as
                defined in section 915(a)(2)(A), in an amount that does
                not exceed $250;
                    ``(B) a general-use prepaid card, as defined in
                section 915(a)(2)(A), that is solely associated with--
                            ``(i) a health plan to which section 105 of
                        the Internal Revenue Code of 1986 applies;
                            ``(ii) a qualified transportation fringe,
                        as defined in section 132(f) of the Internal
                        Revenue Code of 1986;
                            ``(iii) a health savings account, as
                        defined in section 223(d) of the Internal
                        Revenue Code of 1986; or
                            ``(iv) any other healthcare benefit
                        account, including a healthcare account
                        relating to Medicare or Medicaid benefits;
                    ``(C) a gift certificate, as defined in section
                915(a)(2)(B);
                    ``(D) a store gift card, as defined in section
                915(a)(2)(C);
                    ``(E) an electronic promise, plastic card, or
                payment code or device described in clause (i), (v), or
                (vi) of section 915(a)(2)(D);
                    ``(F) a nonreloadable card labeled as a gift card
                and marketed solely as a gift card; or
                    ``(G) a nonreloadable loyalty, rebate or
                promotional card.
    ``(b) FDIC Insurance.--
            ``(1) Insurance required.--A financial institution may only
        offer electronic fund transfer services in connection with a
        spending card account if the account is insured under, and
        complies with the requirements for pass-through deposit
        insurance under, section 11 of the Federal Deposit Insurance
        Act (12 U.S.C. 1821).
            ``(2) Transfer of funds.--Any person that accepts funds in
        connection with an electronic fund transfer to a spending card
        account shall promptly, and in no event later than 24 hours
        after the person accepts the funds--
                    ``(A) transfer such funds to an account at an
                insured depository institution (as defined in section
                3(c) of the Federal Deposit Insurance Act (12 U.S.C.
                1813(c))); or
                    ``(B) credit the spending card account an amount
                equal to the amount of such funds.
    ``(c) Alternative to Periodic Statement.--
            ``(1) Periodic statement not required.--In the case of an
        electronic fund transfer from a spending card account, a
        financial institution shall not be subject to the requirement
        under section 906(c) to provide a periodic statement to a
        consumer, if--
                    ``(A) the financial institution provides to the
                consumer--
                            ``(i) access to the account balance of the
                        consumer--
                                    ``(I) through a readily available
                                telephone line;
                                    ``(II) through the Internet; and
                                    ``(III) at an electronic terminal
                                or other device that allows the
                                consumer to make a balance inquiry, by
                                providing balance information or,
                                routinely or upon request, on a receipt
                                provided at the electronic terminal at
                                the time of an electronic fund
                                transfer;
                            ``(ii) notice of the means by which the
                        consumer may access the account balance of the
                        consumer, including any telephone number;
                            ``(iii) in response to an oral or written
                        request of the consumer, a written record of
                        the account transactions of the consumer during
                        the 2-year period ending on the date of the
                        request that includes the information required
                        to be provided to the consumer under section
                        906(c);
                            ``(iv) an electronic record, such as a
                        record available on the Internet, of the
                        account transactions of the consumer during the
                        60-day period ending on the date on which the
                        consumer accesses the electronic record that
                        includes the information required to be
                        provided to the consumer under section 906(c);
                            ``(v) with at least the same frequency as a
                        written periodic statement that would otherwise
                        be required under section 906, notification by
                        email of the availability of an electronic
                        history or an electronic periodic statement,
                        unless the consumer has declined to provide an
                        email address;
                            ``(vi) the option to receive a written
                        periodic statement and notice of such option;
                            ``(vii) annual notice of the error
                        resolution procedure for the spending card
                        account, as prescribed in regulations of the
                        Bureau; and
                            ``(viii) any other transaction information
                        that the financial institution elects to make
                        available and that the consumer elects to
                        receive, such as messages or alerts concerning
                        balance levels or account activity; or
                    ``(B) the consumer does not provide a valid address
                to the card issuer.
            ``(2) Fees prohibited.--
                    ``(A) In general.--Except as provided in
                subparagraph (B), a financial institution may not
                charge a fee for any service provided under paragraph
                (1).
                    ``(B) Fee for written periodic statement.--A
                financial institution may charge a fee of not more than
                $1 for each written periodic statement provided under
                paragraph (1)(A)(vi).
            ``(3) No election by consumer.--If a consumer does not
        provide an email address to a financial institution and does
        not elect to receive written periodic statements under
        paragraph (1)(A)(vi), the financial institution shall provide a
        written statement to the consumer at least once each year, at
        no cost to the consumer, that contains the date, source, and
        amount of each transaction made or fee charged, together with
        such additional information as the Bureau may require.
    ``(d) Limitations on Liability.--For purposes of section 909(a),
reimbursement need not be made to a consumer for a loss relating to a
spending card account that a financial institution establishes would
not have occurred but for the failure of the consumer to report any
unauthorized electronic fund transfer or account error--
            ``(1) not later than 60 days after the earlier of--
                    ``(A) the receipt by the consumer of a written
                account record under subsection (c)(1) that includes
                the unauthorized electronic fund transfer or account
                error; or
                    ``(B) the date on which account information that
                includes the unauthorized electronic fund transfer or
                account error is provided to or accessed by the
                consumer under subsection (c); or
            ``(2) in extenuating circumstances, such as extended travel
        or hospitalization, within a longer time that is reasonable
        under the circumstances.
    ``(e) Fees.--
            ``(1) Fees prohibited.--Except as provided in paragraph
        (2), a financial institution may not charge in connection with
        a spending card account--
                    ``(A) an annual fee;
                    ``(B) an overdraft fee, including a fee for
                shortage or nonsufficient funds, or any other fee for a
                transaction processed for amounts exceeding the account
                balance;
                    ``(C) a usage fee for use at the point of sale;
                    ``(D) a fee for a declined transaction;
                    ``(E) a fee for the use of an electronic terminal
                that is in the network of the issuer;
                    ``(F) an inactivity or dormancy fee;
                    ``(G) a fee for a balance inquiry or access to
                transaction information;
                    ``(H) a fee for an inquiry to customer service;
                    ``(I) a finance charge or other fee imposed in
                connection with an extension of credit;
                    ``(J) an account closing fee or a fee to obtain the
                remaining balance in the spending card account; or
                    ``(K) a fee for any activity not described in
                paragraph (2).
            ``(2) Fees permitted.--A financial institution may charge
        in connection with a spending card account--
                    ``(A) a fee for a replacement card--
                            ``(i) of not more than $5 for the first
                        replacement card requested by a consumer during
                        any 12-month period; and
                            ``(ii) that is in addition to the
                        replacement card described in clause (i);
                    ``(B) a fee for expedited delivery of a replacement
                card;
                    ``(C) a periodic fee, not more frequently than
                monthly;
                    ``(D) a reload fee, or any other fee for adding
                value to the spending card account, if the financial
                institution provides an alternate method for adding
                value to the spending card account without a fee;
                    ``(E) a fee for a transfer from the spending card
                account to another account;
                    ``(F) a fee for bill payment by check;
                    ``(G) a fee for a withdrawal by the consumer from
                an electronic terminal that is--
                            ``(i) located outside the United States;
                            ``(ii) not in the network of the financial
                        institution, including a fee to cover the costs
                        of any charge to the financial institution by
                        the owner of the electronic terminal relating
                        to the use of the electronic terminal by the
                        consumer;
                    ``(H) a fee for a purchase or a withdrawal in a
                foreign currency; and
                    ``(I) an activation, initiation, or enrollment fee.
            ``(3) Disclosure of fee information.--
                    ``(A) Disclosure required.--Each financial
                institution that offers a spending card account shall
                provide to a consumer--
                            ``(i) together with any application, offer,
                        or solicitation for a spending card account--
                                    ``(I) a table of any fees that may
                                be charged in connection with the
                                spending card account that--
                                            ``(aa) can be easily
                                        understood by the consumer;
                                            ``(bb) is conspicuously
                                        displayed to the consumer
                                        before purchase; and
                                            ``(cc) includes, at a
                                        minimum, the amount and a
                                        description of each fee that
                                        may be charged by the financial
                                        institution under paragraph
                                        (2); and
                                    ``(II) an estimate of the average
                                total monthly cost to a typical
                                consumer for using the spending card
                                account;
                            ``(ii) on the card or other means of
                        access, a toll-free telephone number and
                        website at which the consumer may access a
                        clear and conspicuous disclosure of the fees
                        that may be charged in connection with the
                        spending card account; and
                            ``(iii) a wallet-sized summary of any fees
                        that may be charged in connection with the
                        spending card account and a toll-free telephone
                        number for customer service relating to the
                        spending card account.
                    ``(B) Regulations.--Not later than 9 months after
                the date of enactment of the Prepaid Card Consumer
                Protection Act of 2010, the Bureau shall establish, by
                regulation--
                            ``(i) the headings, content, and format of
                        the fee table, estimate, and wallet-sized fee
                        summary required under subparagraph (A); and
                            ``(ii) a profile of the typical consumer
                        for purposes of subparagraph (A)(i)(II).''.
    (b) Technical and Conforming Amendments.--
            (1) Written periodic statements.--Section 906(c) of the
        Electronic Fund Transfer Act (15 U.S.C. 1693d(c)) is amended,
        in the first sentence of the matter preceding paragraph (1), by
        striking ``A financial'' and inserting ``Except as provided in
        section 923(c), a financial''.
            (2) Error resolution.--Section 908(a) of the Electronic
        Fund Transfer Act (15 U.S.C. 1693f(a)) is amended by striking
        ``or notification pursuant to section 906(b)'' and inserting
        ``, notification pursuant to section 906(b), or written or
        electronic documentation pursuant to section 923(c)''.

SEC. 4. EFFECTIVE DATE.

    This Act, and the amendments made by this Act, shall take effect on
the date that is 6 months after the date of enactment of this Act.

Output:
Prepaid Card Consumer Protection Act of 2010 - Amends the Electronic Fund Transfer Act to extend its coverage to spending card accounts (prepaid cards) established by a consumer (or on a consumer's behalf): (1) to which recurring electronic fund transfers may be made, at the consumer's direction, and (2) from which payments may be made, at the consumer's direction, through the use of a card, code, or device. Treats as a spending card account any similar asset account operated or managed by a financial institution, or any other person, whose funds: (1) are pooled with the funds of a person other than the one who established the account, or (2) are held in a name other than that of the person who established the account.

Excludes from the meaning of spending card account: (1) any nonreloadable general-use prepaid card in an amount under $250; and (2) any general-use prepaid card solely associated with a certain kind of health plan, a qualified transportation fringe, a health savings account or any other healthcare benefit account, a gift certificate, a store gift card, an electronic promise, plastic card, or payment code, or device, a nonreloadable card labeled as a gift card and marketed solely as such, or a nonreloadable loyalty, rebate, or promotional card.

Requires a financial institution to offer electronic fund transfer services in connection with a spending card account only if the account is insured under the Federal Deposit Insurance Act and complies with its pass-through deposit insurance requirements.

Requires any person that accepts funds in connection with an electronic fund transfer to a spending card account to: (1) transfer them, within 24 hours after accepting them, to an account at an insured depository institution; or (2) credit the spending card account an amount equal to the amount of such funds.

Waives the requirement for providing a consumer with a periodic statement if a financial institution, among other things, provides the consumer with access to the account balance through a readily available telephone line and the Internet and at an electronic terminal or other device (ATM machine) that allows the consumer to make a balance inquiry. Prohibits the charging of fees for services required to meet these requirements, other than $1 for an optional periodic statement.

Specifies other fees which may and may not be charged in connection with a spending account card.


Input:
SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Appalachian Regional Development Act
Amendments of 2002''.

SEC. 2. PURPOSES.

    (a) This Act.--The purposes of this Act are--
        (1) to reauthorize the Appalachian Regional Development Act of
    1965 (40 U.S.C. App.); and
        (2) to ensure that the people and businesses of the Appalachian
    region have the knowledge, skills, and access to telecommunication
    and technology services necessary to compete in the knowledge-based
    economy of the United States.
    (b) Appalachian Regional Development Act of 1965.--Section 2 of the
Appalachian Regional Development Act of 1965 (40 U.S.C. App.) is
amended--
        (1) in subsection (b), by inserting after the third sentence
    the following: ``Consistent with the goal described in the
    preceding sentence, the Appalachian region should be able to take
    advantage of eco-industrial development, which promotes both
    employment and economic growth and the preservation of natural
    resources.''; and
        (2) in subsection (c)(2)(B)(ii), by inserting ``, including
    eco-industrial development technologies'' before the semicolon.

SEC. 3. FUNCTIONS OF THE COMMISSION.

    Section 102(a) of the Appalachian Regional Development Act of 1965
(40 U.S.C. App.) is amended--
        (1) in paragraph (5), by inserting ``, and support,'' after
    ``formation of'';
        (2) in paragraph (7), by striking ``and'' at the end;
        (3) in paragraph (8), by striking the period at the end and
    inserting a semicolon; and
        (4) by adding at the end the following:
        ``(9) encourage the use of eco-industrial development
    technologies and approaches; and
        ``(10) seek to coordinate the economic development activities
    of, and the use of economic development resources by, Federal
    agencies in the region.''.

SEC. 4. INTERAGENCY COORDINATING COUNCIL ON APPALACHIA.

    Section 104 of the Appalachian Regional Development Act of 1965 (40
U.S.C. App.) is amended--
        (1) by striking ``The President'' and inserting ``(a) In
    General.--The President''; and
        (2) by adding at the end the following:
    ``(b) Interagency Coordinating Council on Appalachia.--
        ``(1) Establishment.--In carrying out subsection (a), the
    President shall establish an interagency council to be known as the
    `Interagency Coordinating Council on Appalachia'.
        ``(2) Membership.--The Council shall be composed of--
            ``(A) the Federal Cochairman, who shall serve as
        Chairperson of the Council; and
            ``(B) representatives of Federal agencies that carry out
        economic development programs in the region.''.

SEC. 5. TELECOMMUNICATIONS AND TECHNOLOGY INITIATIVE.

    Title II of the Appalachian Regional Development Act of 1965 (40
U.S.C. App.) is amended by inserting after section 202 the following:

``SEC. 203. TELECOMMUNICATIONS AND TECHNOLOGY INITIATIVE.

    ``(a) In General.--The Commission may provide technical assistance,
make grants, enter into contracts, or otherwise provide funds to
persons or entities in the region for projects--
        ``(1) to increase affordable access to advanced
    telecommunications, entrepreneurship, and management technologies
    or applications in the region;
        ``(2) to provide education and training in the use of
    telecommunications and technology;
        ``(3) to develop programs to increase the readiness of industry
    groups and businesses in the region to engage in electronic
    commerce; or
        ``(4) to support entrepreneurial opportunities for businesses
    in the information technology sector.
    ``(b) Source of Funding.--
        ``(1) In general.--Assistance under this section may be
    provided--
            ``(A) exclusively from amounts made available to carry out
        this section; or
            ``(B) from amounts made available to carry out this section
        in combination with amounts made available under any other
        Federal program or from any other source.
        ``(2) Federal share requirements specified in other laws.--
    Notwithstanding any provision of law limiting the Federal share
    under any other Federal program, amounts made available to carry
    out this section may be used to increase that Federal share, as the
    Commission determines to be appropriate.
    ``(c) Cost Sharing for Grants.--Not more than 50 percent (or 80
percent in the case of a project to be carried out in a county for
which a distressed county designation is in effect under section 226)
of the costs of any activity eligible for a grant under this section
may be provided from funds appropriated to carry out this section.''.

SEC. 6. ENTREPRENEURSHIP INITIATIVE.

    Title II of the Appalachian Regional Development Act of 1965 (40
U.S.C. App.) is amended by inserting after section 203 (as added by
section 5) the following:

``SEC. 204. ENTREPRENEURSHIP INITIATIVE.

    ``(a) Definition of Business Incubator Service.--In this section,
the term `business incubator service' means a professional or technical
service necessary for the initiation and initial sustainment of the
operations of a newly established business, including a service such
as--
        ``(1) a legal service, including aid in preparing a corporate
    charter, partnership agreement, or basic contract;
        ``(2) a service in support of the protection of intellectual
    property through a patent, a trademark, or any other means;
        ``(3) a service in support of the acquisition and use of
    advanced technology, including the use of Internet services and
    Web-based services; and
        ``(4) consultation on strategic planning, marketing, or
    advertising.
    ``(b) Projects To Be Assisted.--The Commission may provide
technical assistance, make grants, enter into contracts, or otherwise
provide funds to persons or entities in the region for projects--
        ``(1) to support the advancement of, and provide,
    entrepreneurial training and education for youths, students, and
    businesspersons;
        ``(2) to improve access to debt and equity capital by such
    means as facilitating the establishment of development venture
    capital funds;
        ``(3) to aid communities in identifying, developing, and
    implementing development strategies for various sectors of the
    economy; and
        ``(4)(A) to develop a working network of business incubators;
    and
        ``(B) to support entities that provide business incubator
    services.
    ``(c) Source of Funding.--
        ``(1) In general.--Assistance under this section may be
    provided--
            ``(A) exclusively from amounts made available to carry out
        this section; or
            ``(B) from amounts made available to carry out this section
        in combination with amounts made available under any other
        Federal program or from any other source.
        ``(2) Federal share requirements specified in other laws.--
    Notwithstanding any provision of law limiting the Federal share
    under any other Federal program, amounts made available to carry
    out this section may be used to increase that Federal share, as the
    Commission determines to be appropriate.
    ``(d) Cost Sharing for Grants.--Not more than 50 percent (or 80
percent in the case of a project to be carried out in a county for
which a distressed county designation is in effect under section 226)
of the costs of any activity eligible for a grant under this section
may be provided from funds appropriated to carry out this section.''.

SEC. 7. REGIONAL SKILLS PARTNERSHIPS.

    Title II of the Appalachian Regional Development Act of 1965 (40
U.S.C. App.) is amended by inserting after section 204 (as added by
section 6) the following:

``SEC. 205. REGIONAL SKILLS PARTNERSHIPS.

    ``(a) Definition of Eligible Entity.--In this section, the term
`eligible entity' means a consortium that--
        ``(1) is established to serve 1 or more industries in a
    specified geographic area; and
        ``(2) consists of representatives of--
            ``(A) businesses (or a nonprofit organization that
        represents businesses);
            ``(B) labor organizations;
            ``(C) State and local governments; or
            ``(D) educational institutions.
    ``(b) Projects To Be Assisted.--The Commission may provide
technical assistance, make grants, enter into contracts, or otherwise
provide funds to eligible entities in the region for projects to
improve the job skills of workers for a specified industry, including
projects for--
        ``(1) the assessment of training and job skill needs for the
    industry;
        ``(2) the development of curricula and training methods,
    including, in appropriate cases, electronic learning or technology-
    based training;
        ``(3)(A) the identification of training providers; and
        ``(B) the development of partnerships between the industry and
    educational institutions, including community colleges;
        ``(4) the development of apprenticeship programs;
        ``(5) the development of training programs for workers,
    including dislocated workers; and
        ``(6) the development of training plans for businesses.
    ``(c) Administrative Costs.--An eligible entity may use not more
than 10 percent of the funds made available to the eligible entity
under subsection (b) to pay administrative costs associated with the
projects described in subsection (b).
    ``(d) Source of Funding.--
        ``(1) In general.--Assistance under this section may be
    provided--
            ``(A) exclusively from amounts made available to carry out
        this section; or
            ``(B) from amounts made available to carry out this section
        in combination with amounts made available under any other
        Federal program or from any other source.
        ``(2) Federal share requirements specified in other laws.--
    Notwithstanding any provision of law limiting the Federal share
    under any other Federal program, amounts made available to carry
    out this section may be used to increase that Federal share, as the
    Commission determines to be appropriate.
    ``(e) Cost Sharing for Grants.--Not more than 50 percent (or 80
percent in the case of a project to be carried out in a county for
which a distressed county designation is in effect under section 226)
of the costs of any activity eligible for a grant under this section
may be provided from funds appropriated to carry out this section.''.

SEC. 8. PROGRAM DEVELOPMENT CRITERIA.

    (a) Elimination of Growth Center Criteria.--Section 224(a)(1) of
the Appalachian Regional Development Act of 1965 (40 U.S.C. App.) is
amended by striking ``in an area determined by the State have a
significant potential for growth or''.
    (b) Assistance to Distressed Counties and Areas.--Section 224 of
the Appalachian Regional Development Act of 1965 (40 U.S.C. App.) is
amended by adding at the end the following:
    ``(d) Assistance to Distressed Counties and Areas.--For fiscal year
2003 and each fiscal year thereafter, not less than 50 percent of the
amount of grant expenditures approved by the Commission shall support
activities or projects that benefit severely and persistently
distressed counties and areas.''.
SEC. 9. GRANTS FOR ADMINISTRATIVE EXPENSES OF LOCAL DEVELOPMENT
DISTRICTS.
    Section 302(a)(1)(A)(i) of the Appalachian Regional Development Act
of 1965 (40 U.S.C. App.) is amended by inserting ``(or, at the
discretion of the Commission, 75 percent of such expenses in the case
of a local development district that has a charter or authority that
includes the economic development of a county or part of a county for
which a distressed county designation is in effect under section 226)''
after ``such expenses''.

SEC. 10. AUTHORIZATION OF APPROPRIATIONS.

    Section 401 of the Appalachian Regional Development Act of 1965 (40
U.S.C. App.) is amended to read as follows:

``SEC. 401. AUTHORIZATION OF APPROPRIATIONS.

    ``(a) In General.--In addition to amounts authorized by section 201
and other amounts made available for the Appalachian development
highway system program, there are authorized to be appropriated to the
Commission to carry out this Act--
        ``(1) $88,000,000 for each of fiscal years 2002 through 2004;
        ``(2) $90,000,000 for fiscal year 2005; and
        ``(3) $92,000,000 for fiscal year 2006.
    ``(b) Telecommunications and Technology Initiative.--Of the amounts
made available under subsection (a), the following amounts may be made
available to carry out section 203:
        ``(1) $10,000,000 for fiscal year 2002.
        ``(2) $8,000,000 for fiscal year 2003.
        ``(3) $5,000,000 for each of fiscal years 2004 through 2006.
    ``(c) Availability.--Sums made available under subsection (a) shall
remain available until expended.''.

SEC. 11. ADDITION OF COUNTIES TO APPALACHIAN REGION.

    Section 403 of the Appalachian Regional Development Act of 1965 (40
U.S.C. App.) is amended--
        (1) in the third undesignated paragraph (relating to
    Kentucky)--
            (A) by inserting ``Edmonson,'' after ``Cumberland,'';
            (B) by inserting ``Hart,'' after ``Harlan,''; and
            (C) by striking ``Montogomery,'' and inserting
        ``Montgomery,''; and
        (2) in the fifth undesignated paragraph (relating to
    Mississippi)--
            (A) by inserting ``Montgomery,'' after ``Monroe,''; and
            (B) by inserting ``Panola,'' after ``Oktibbeha,''.

SEC. 12. TERMINATION.

    Section 405 of the Appalachian Regional Development Act of 1965 (40
U.S.C. App.) is amended by striking ``2001'' and inserting ``2006''.

SEC. 13. TECHNICAL AND CONFORMING AMENDMENTS.

    (a) Section 101(b) of the Appalachian Regional Development Act of
1965 (40 U.S.C. App.) is amended in the third sentence by striking
``implementing investment program'' and inserting ``strategy
statement''.
    (b) Section 106(7) of the Appalachian Regional Development Act of
1965 (40 U.S.C. App.) is amended by striking ``expiring no later than
September 30, 2001''.
    (c) Sections 202, 214, and 302(a)(1)(C) of the Appalachian Regional
Development Act of 1965 (40 U.S.C. App.) are amended by striking
``grant-in-aid programs'' each place it appears and inserting ``grant
programs''.
    (d) Section 202(a) of the Appalachian Regional Development Act of
1965 (40 U.S.C. App.) is amended in the second sentence by striking
``title VI of the Public Health Service Act (42 U.S.C. 291-291o), the
Mental Retardation Facilities and Community Mental Health Centers
Construction Act of 1963 (77 Stat. 282),'' and inserting ``title VI of
the Public Health Service Act (42 U.S.C. 291 et seq.), the
Developmental Disabilities Assistance and Bill of Rights Act of 2000
(42 U.S.C. 15001 et seq.),''.
    (e) Section 207(a) of the Appalachian Regional Development Act of
1965 (40 U.S.C. App.) is amended by striking ``section 221 of the
National Housing Act, section 8 of the United States Housing Act of
1937, section 515 of the Housing Act of 1949,'' and inserting ``section
221 of the National Housing Act (12 U.S.C. 1715l), section 8 of the
United States Housing Act of 1937 (42 U.S.C. 1437f), section 515 of the
Housing Act of 1949 (42 U.S.C. 1485),''.
    (f) Section 214 of the Appalachian Regional Development Act of 1965
(40 U.S.C. App.) is amended--
        (1) in the section heading, by striking ``grant-in-aid'' and
    inserting ``grant'';
        (2) in subsection (a)--
            (A) by striking ``grant-in-aid Act'' each place it appears
        and inserting ``Act'';
            (B) in the first sentence, by striking ``grant-in-aid
        Acts'' and inserting ``Acts'';
            (C) by striking ``grant-in-aid program'' each place it
        appears and inserting ``grant program''; and
            (D) by striking the third sentence;
        (3) by striking subsection (c) and inserting the following:
    ``(c) Definition of Federal Grant Program.--
        ``(1) In general.--In this section, the term `Federal grant
    program' means any Federal grant program authorized by this Act or
    any other Act that provides assistance for--
            ``(A) the acquisition or development of land;
            ``(B) the construction or equipment of facilities; or
            ``(C) any other community or economic development or
        economic adjustment activity.
        ``(2) Inclusions.--In this section, the term `Federal grant
    program' includes a Federal grant program such as a Federal grant
    program authorized by--
            ``(A) the Consolidated Farm and Rural Development Act (7
        U.S.C. 1921 et seq.);
            ``(B) the Land and Water Conservation Fund Act of 1965 (16
        U.S.C. 460l-4 et seq.);
            ``(C) the Watershed Protection and Flood Prevention Act (16
        U.S.C. 1001 et seq.);
            ``(D) the Carl D. Perkins Vocational and Technical
        Education Act of 1998 (20 U.S.C. 2301 et seq.);
            ``(E) the Federal Water Pollution Control Act (33 U.S.C.
        1251 et seq.);
            ``(F) title VI of the Public Health Service Act (42 U.S.C.
        291 et seq.);
            ``(G) sections 201 and 209 of the Public Works and Economic
        Development Act of 1965 (42 U.S.C. 3141, 3149);
            ``(H) title I of the Housing and Community Development Act
        of 1974 (42 U.S.C. 5301 et seq.); or
            ``(I) part IV of title III of the Communications Act of
        1934 (47 U.S.C. 390 et seq.).
        ``(3) Exclusions.--In this section, the term `Federal grant
    program' does not include--
            ``(A) the program for construction of the Appalachian
        development highway system authorized by section 201;
            ``(B) any program relating to highway or road construction
        authorized by title 23, United States Code; or
            ``(C) any other program under this Act or any other Act to
        the extent that a form of financial assistance other than a
        grant is authorized.''; and
        (4) by striking subsection (d).
    (g) Section 224(a)(2) of the Appalachian Regional Development Act
of 1965 (40 U.S.C. App.) is amended by striking ``relative per capita
income'' and inserting ``per capita market income''.
    (h) Section 225 of the Appalachian Regional Development Act of 1965
(40 U.S.C. App.)--
        (1) in subsection (a)(3), by striking ``development program''
    and inserting ``development strategies''; and
        (2) in subsection (c)(2), by striking ``development programs''
    and inserting ``development strategies''.
    (i) Section 303 of the Appalachian Regional Development Act of 1965
(40 U.S.C. App.) is amended--
        (1) in the section heading, by striking ``investment programs''
    and inserting ``strategy statements'';
        (2) in the first sentence, by striking ``implementing
    investments programs'' and inserting ``strategy statements''; and
        (3) by striking ``implementing investment program'' each place
    it appears and inserting ``strategy statement''.
    (j) Section 403 of the Appalachian Regional Development Act of 1965
(40 U.S.C. App.) is amended in the next-to-last undesignated paragraph
by striking ``Committee on Public Works and Transportation'' and
inserting ``Committee on Transportation and Infrastructure''.

                               Speaker of the House of Representatives.

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

Output: Appalachian Regional Development Act Amendments of 2002 - Amends the Appalachian Regional Development Act of 1965 to include as functions of the Appalachian Regional Commission that it: (1) support local development districts; (2) encourage the use of eco-industrial development technologies and approaches; and (3) seek to coordinate economic development activities of, and the use of economic development resources by, Federal agencies in the Appalachian region.(Sec. 4) Directs the President to establish the Interagency Coordinating Council on Appalachia.(Sec. 5) Authorizes the Commission to provide technical assistance and make grants, enter into contracts, and otherwise provide funds to persons or entities in the region for projects to: (1) increase affordable access to advanced telecommunications, entrepreneurship, and management technologies or applications; (2) provide education and training in the use of telecommunications and technology; (3) develop programs to increase the readiness of industry groups and businesses in the region to engage in electronic commerce; or (4) support entrepreneurial opportunities for businesses in the information technology sector.(Sec. 6) Authorizes the Commission to provide technical assistance, make grants, enter into contracts, or otherwise provide funds to persons or entities in the region for projects to: (1) support the advancement of, and provide, entrepreneurial training and education for youths, students, and businesspersons; (2) improve access to debt and equity capital, by such means as the establishment of development venture capital funds; (3) aid communities in identifying, developing, and implementing development strategies for various sectors of the economy; and (4) develop a working network of business incubators and to support entities that provide business incubator services. Defines "business incubator service" as a professional or technical service necessary for the initiation and initial sustainment of the operations of a newly established business.(Sec. 7) Authorizes the Commission to provide technical assistance, make grants, enter into contracts, or otherwise provide funds to eligible entities in the region for projects to improve the job skills of workers in a specified industry. Limits all grants under this Act to 50 percent of project costs or 80 percent for projects carried out in distress-designated counties.(Sec. 8) Eliminates from criteria for programs and projects to be given assistance under the Act that an area have significant growth potential. Requires that, for FY 2003 and each fiscal year thereafter, not less than 50 percent of the amount of grant expenditures approved by the Commission support activities or projects that benefit severely and persistently distressed counties and areas.(Sec. 9) Allows, at the Commission's discretion, for coverage of up to 75 percent of the administrative expenses of local development districts that have a charter or authority that includes the economic development of a county for which a distressed county designation is in effect.(Sec. 10) Extends through FY 2006 the authorization of appropriations for: (1) carrying out the Act; and (2) the telecommunications and technology initiative.(Sec. 11) Adds Edmonson and Hart ( Kentucky), and Montgomery and Panola (Mississippi) to the counties included in the Appalachian region.(Sec. 12) Extends the deadline for the termination of certain provisions of the Act to October 1, 2006.


Input:
SECTION 1. AIR FORCE ROLE IN MANAGEMENT OF CIVIL AIR PATROL AS CIVILIAN
              AUXILIARY OF THE AIR FORCE.

    (a) In General.--Chapter 909 of title 10, United States Code, is
amended--
            (1) by redesignating section 9442 as section 9443; and
            (2) by inserting after section 9441 the following new
        section:
``Sec. 9442. Air Force role in management
    ``(a) Administrative Responsibility.--In its capacity as a
federally chartered corporation under chapter 403 of title 36 and a
volunteer civilian auxiliary of the Air Force, the Civil Air Patrol
shall be administered by the Chief of Staff of the Air Force, under the
direction of the Secretary of the Air Force. For command, control, and
administrative purposes, the Civil Air Patrol shall have such
organizational elements as are approved by the Secretary of the Air
Force in regulations.
    ``(b) Board of Directors.--(1) The Secretary of the Air Force shall
appoint a National Board of Directors for the Civil Air Patrol. The
National Board of Directors shall be composed of the following:
            ``(A) General officers of the Air Force, including the Air
        Force Reserve and Air National Guard.
            ``(B) Senior civilian employees of the Department of the
        Air Force.
            ``(C) Members appointed from the volunteer Civil Air Patrol
        membership.
    ``(2) The chairman of the National Board of Directors shall be the
member of the Board who is the senior active duty Air Force officer.
The members of the Board appointed under paragraph (1)(C) may not
exceed a minority of the Board.
    ``(c) Executive Direction.--(1) The National Board of Directors
shall appoint for the Civil Air Patrol the following:
            ``(A) A National Commander, to be appointed from the
        civilian volunteer membership of the Civil Air Patrol.
            ``(B) An Executive Director.
            ``(C) A Safety Officer.
            ``(D) An Inspector General.
    ``(2) The Executive Director, Safety Officer, and Inspector General
appointed under paragraph (1) shall report directly to the Secretary of
the Air Force through the National Board of Directors.
    ``(3) The Chief of Staff of the Air Force may assign officers and
enlisted members of the Air Force on active duty and civilian employees
of the Department of the Air Force to serve on the staff of the
national headquarters of the Civil Air Patrol.
    ``(d) Effect of Appointment or Assignment.--(1) The appointment or
assignment of members of the armed forces or civilian employees under
subsection (b) or (c) is not precluded by any law or regulation
prohibiting active duty members of the armed forces or civilian
employees from participating in the management of non-Federal entities.
    ``(2) An officer or enlisted member of the Air Force appointed to
or assigned to duty in a Civil Air Patrol management position specified
in subsection (b) or (c) shall not receive any compensation, other than
the regular military compensation to which the officer or member is
otherwise entitled, as a result of the appointment or assignment.
    ``(e) Use of Civil Air Patrol Members and Employees.--(1) The
Executive Director and National Board of Directors may use such Civil
Air Patrol employees and volunteer Civil Air Patrol members as the
Executive Director and National Board of Directors considers necessary
to administer the Civil Air Patrol and to ensure that it is capable of
assisting the Department of the Air Force in the performance of its
noncombat mission.
    ``(2) Except as provided in section 9441(c) of this title, a member
of the Civil Air Patrol or an employee of the Civil Air Patrol is not a
Federal employee and is not subject to the provisions of law relating
to Federal employment, including those relating to hours of work, rates
of compensation, leave, unemployment compensation, Federal employee
benefits, ethics, conflicts of interest, and other similar criminal or
civil statutes and regulations governing the conduct of Federal
employees. However, nothing in this paragraph shall constrain the
Secretary of the Air Force from prescribing standards of conduct and
behavior for Civil Air Patrol members and employees.
    ``(f) Funds Management.--All funds provided to the Civil Air Patrol
under subsections (b) and (d) of section 9441 of this title, or any
other provision of law, are subject to the requirements of sections
6304 and 6305 of title 31 (commonly known as the Federal Grant and
Cooperative Agreement Act) and the Federal regulations governing the
provision of appropriated funds to private, nonprofit organizations.
    ``(g) Relation to Federal Charter.--The powers granted to the Civil
Air Patrol in section 40304 of title 36, including the power to adopt a
constitution, bylaws, and regulations, are subject to the approval of
the Secretary of the Air Force under the authority granted to the
Secretary by this section and are subject to any policies, regulations,
or instructions issued by the Secretary under that authority.''.
    (b) Clerical Amendment.--The table of sections at the beginning of
such chapter is amended by striking the item relating to section 9442
and inserting the following new items:

``9442. Air Force role in management.
``9443. Assistance by other agencies.''.

Output: Provides for the use of Patrol members and employees (not to be considered Federal employees).


Input:
SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Removal of Terrorist Criminal Aliens
Act of 2003''.

SEC. 2. EXPEDITED REMOVAL OF TERRORIST CRIMINAL ALIENS.

    (a) In General.--Title II of the Immigration and Nationality Act (8
U.S.C. 1151 et seq.) is amended by inserting after section 238 the
following:

``SEC. 238A. EXPEDITED REMOVAL OF TERRORIST CRIMINAL ALIENS.

    ``(a) In General.--The Secretary of Homeland Security, in such
Secretary's discretion, may in the case of an alien described in
subsection (b), determine whether such alien is deportable and issue a
final order of removal pursuant to the procedures set forth in this
section.
    ``(b) Aliens Described.--An alien is described in this subsection
if--
            ``(1) the alien, whether or not admitted into the United
        States, was convicted of any criminal offense described in
        paragraph (2), (3)(B), or (6) of section 237(a) (without regard
        to the date of the commission of the offense); and
            ``(2) the Secretary of Homeland Security, in such
        Secretary's discretion and in consultation with appropriate
        heads of agencies of the executive branch, certifies that the
        alien is engaged in any activity that endangers the national
        security of the United States.
    ``(c) Execution of Order.--
            ``(1) In general.--The Secretary of Homeland Security, in
        such Secretary's discretion, may at any time execute any order
        described in subsection (a), except--
                    ``(A) during the 14-day period commencing after the
                date on which such order is issued, in order that the
                alien has an opportunity to apply for judicial review
                under section 242, unless this subparagraph is waived
                by the alien; or
                    ``(B) if the removal has been stayed under section
                242(f)(2).
            ``(2) Review.--Notwithstanding any other provision of law,
        including section 2241 of title 28, United States Code, no
        court other than a court of appeals pursuant to its
        jurisdiction under section 242 of this Act shall have
        jurisdiction to review or set aside any order, action, or
        decision taken or issued pursuant to this section. Review in
        the court of appeals shall be limited to determining whether
        the petitioner is--
                    ``(A) an alien; and
                    ``(B) subject to a final judgment of conviction for
                an offense described in paragraph (2), (3)(B), or (6)
                of section 237(a).
    ``(d) Regulations.--Proceedings before the Secretary of Homeland
Security under this section shall be in accordance with such
regulations as such Secretary shall prescribe. Such regulations shall
provide that--
            ``(1) the alien shall be given reasonable notice of the
        grounds for removal alleged and of the opportunity described in
        paragraph (3);
            ``(2) the alien shall have the privilege of being
        represented (at no expense to the Government) by such counsel,
        authorized to practice in such proceedings, as the alien shall
        choose;
            ``(3) the alien shall have a reasonable opportunity to
        inspect the evidence and rebut the charges that the alien is
        subject to a final judgment of conviction for an offense
        described in paragraph (2), (3)(B), or (6) of section 237(a);
            ``(4) a determination shall be made on the record that the
        individual upon whom the notice for the proceeding under this
        section is served (either in person or by mail) is, in fact,
        the alien named in such notice;
            ``(5) a record shall be maintained for judicial review; and
            ``(6) the final order of removal may not be adjudicated by
        the same person who issues the charges.
    ``(e) Eligibility for Certain Relief.--No alien described in
subsection (b), regardless of whether the alien is subject to
procedures under this section or to proceedings under section 240,
shall be eligible for withholding under section 241(b)(3) or for any
discretionary relief from removal under the immigration laws of the
United States.''.
    (b) Clerical Amendment.--The table of contents for the Immigration
and Nationality Act is amended by inserting after the item relating to
section 238 the following:

``238A. Expedited removal of terrorist criminal aliens.''.

SEC. 3. ADDITIONAL REMOVAL AUTHORITIES.

    (a) In General.--Section 241(b) of the Immigration and Nationality
Act (8 U.S.C. 1231(b)) is amended--
            (1) in paragraph (1)--
                    (A) by striking ``Attorney General'' each place
                such term appears and inserting ``Secretary of Homeland
                Security'';
                    (B) in each of subparagraphs (A) and (B), by
                striking the period at the end and inserting ``unless,
                in the opinion of the Secretary of Homeland Security,
                removing the alien to such country would be prejudicial
                to the United States.''; and
                    (C) by amending subparagraph (C) to read as
                follows:
                    ``(C) Alternative countries.--If the alien is not
                removed to a country designated in subparagraph (A) or
                (B), the Secretary of Homeland Security may, in such
                Secretary's discretion, remove the alien to--
                            ``(i) the country of which the alien is a
                        citizen, subject, or national, unless the
                        country prevents the alien from entering the
                        country upon the alien's removal there; or
                            ``(ii) any country whose government will
                        accept the alien into that country.''; and
            (2) in paragraph (2)--
                    (A) by striking ``Attorney General'' each place
                such term appears and inserting ``Secretary of Homeland
                Security'';
                    (B) by amending subparagraph (D) to read as
                follows:
                    ``(D) Alternative countries.--If the alien is not
                removed to a country designated under subparagraph
                (A)(i), the Secretary of Homeland Security may, in such
                Secretary's discretion, remove the alien to a country
                of which the alien is a subject, national, or citizen,
                unless--
                            ``(i) the country prevents the alien from
                        entering the country upon the alien's removal
                        there; or
                            ``(ii) in the opinion of the Secretary of
                        Homeland Security, removing the alien to the
                        country would be prejudicial to the United
                        States.''; and
                    (C) by amending subparagraph (E)(vii) to read as
                follows:
                            ``(vii) Any country whose government will
                        accept the alien into that country.''.
    (b) Effective Date.--The amendments made by subsection (a) shall
take effect on the date of the enactment of this Act and shall apply to
any deportation, exclusion, or removal on or after such date pursuant
to any deportation, exclusion, or removal order, regardless of whether
such order is administratively final before, on, or after such date.

SEC. 4. REMOVAL OF ALIENS POSING A DANGER TO NATIONAL SECURITY.

    Section 237(a)(4) of the Immigration and Nationality Act (8 U.S.C.
1227(a)(4)) is amended by adding at the end the following:
                    ``(E) National security.--
                            ``(i) Aliens other than lawful permanent
                        residents.--An alien, other than an alien
                        lawfully admitted for permanent residence,
                        whose presence or activities in the United
                        States the Attorney General or the Secretary of
                        Homeland Security has reason to believe poses
                        or pose a danger to the national security of
                        the United States (as defined in section
                        219(c)(2)), is deportable.
                            ``(ii) Delegation.--Delegation by the
                        Attorney General and the Secretary of Homeland
                        Security of authority to make determinations
                        for the purpose of establishing deportability
                        under this subparagraph shall be limited to the
                        Deputy Attorney General and the Deputy
                        Secretary of Homeland Security, respectively.
                            ``(iii) Best available information.--In
                        making determinations for the purpose of
                        establishing whether an alien is deportable
                        under this subparagraph, the Attorney General
                        or the Deputy Attorney General, and the
                        Secretary of Homeland Security or Deputy
                        Secretary of Homeland Security, may take into
                        account the best available information from the
                        intelligence community, including confidential
                        or national security information, and shall
                        consult with appropriate heads of agencies of
                        the executive branch.
                            ``(iv) Judicial review.--A determination
                        made under this subparagraph shall be affirmed
                        if challenged in Federal court where a facially
                        legitimate and bona fide reason in support of
                        the determination is provided.
                            ``(v) Relief and withholding.--An alien who
                        is deportable under this subparagraph shall not
                        be eligible for any discretionary relief from
                        removal or for withholding of removal under
                        section 241(b)(3). Notwithstanding any other
                        provision of law, including section 2241 of
                        title 28, United States Code, no court shall
                        have jurisdiction to review a denial of relief
                        or withholding made pursuant to this clause.''.

Output:
Removal of Terrorist Criminal Aliens Act of 2003 - Amends the Immigration and Nationality Act to establish procedures for the expedited removal of a terrorist criminal alien, and authorizes the Secretary of Homeland Security to issue a final order of removal under such provisions. Limits judicial review respecting such an order, action, or decision. Makes such an alien ineligible for certain discretionary relief from removal.

Revises provisions respecting countries to which an alien may be removed.

Includes among the classes of deportable aliens a non-permanent resident alien who poses a danger or national security threat to the United States.


Input:
SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Teenage Pregnancy Reduction Act of
1996''.

SEC. 2. EVALUATION OF EFFECTIVE PROGRAMS FOR PREVENTION OF TEENAGE
              PREGNANCY.

    (a) In General.--The Secretary of Health and Human Services shall
(directly or through grants or contracts awarded to public or nonprofit
private entities) arrange for the evaluation of a wide variety of
promising programs designed in whole or part to prevent pregnancy in
teenagers, including programs that do not receive grants from the
Federal Government for the operation of the programs. The purpose of
the evaluation shall be the determination of--
            (1) the factors contributing to the effectiveness of the
        programs; and
            (2) methods for replicating the programs in other
        locations.
    (b) Participation of Federal Agencies and Private Organizations.--
In carrying out the evaluation under subsection (a), the Secretary
shall as appropriate--
            (1) provide for the participation of the Director of the
        Centers for Disease Control and Prevention, the Director of the
        Office of Population Affairs, the Assistant Secretary for
        Children and Families, and the Director of the National
        Institute of Child Health and Human Development; and
            (2) provide for the participation of private organizations,
        including the National Campaign to Prevent Teen Pregnancy, a
        nonpartisan organization.
    (c) Design of Evaluation.--Subject to subsection (d), the Secretary
shall select a design for the evaluation under subsection (a) from
among proposals that--
            (1) provide for the evaluation of programs in various
        geographic regions;
            (2) with respect to the populations served by the programs,
        provide for determining factors that are specific to various
        socioeconomic groups and various racial and ethnic minority
        groups;
            (3) provide for recommendations for future programs
        designed to reduce the rate of teen pregnancy; and
            (4) meet such criteria as the Secretary may establish.
    (d) Measures of Effectiveness.--The Secretary shall define the
measures of effectiveness used in evaluating the programs designed to
reduce the rate of teenage pregnancy, and shall include a variety of
measures of effectiveness in the definition.
    (e) Scientific Peer Review.--The Secretary may provide funds for a
proposal pursuant to subsection (a) only if the proposal has been
recommended for approval pursuant to a process of scientific peer
review utilizing one or more panels of experts. Such panels shall
include experts from public entities and from private entities.
    (f) Submission of Report to Congress and Secretary.--Not later than
December 1, 1999, the evaluation under subsection (a) shall be
completed and a report describing the findings made in the evaluation
shall be submitted to the Congress and to the Secretary.
    (g) Dissemination of Information.--After the submission of the
report under subsection (f), the Secretary shall disseminate the
findings presented in the report. The categories of individuals to whom
the information is disseminated shall include administrators of
prevention programs, public and private entities that provide financial
support to such programs, professional medical associations, entities
providing public health services, entities providing social work
services, and school administrators.
    (h) Authorization of Appropriations.--For the purpose of carrying
out this section, there is authorized to be appropriated $3,500,000 for
each of the fiscal years 1997 through 1999.

SEC. 3. NATIONAL CLEARINGHOUSE ON PREVENTION PROGRAMS.

    (a) In General.--Not later than 180 days after the completion of
the evaluation under section 2, the Secretary shall (directly or though
grants or contracts awarded to public or nonprofit private entities)
establish an information clearinghouse to be known as the National
Clearinghouse on Teenage Pregnancy Prevention Programs (in this section
referred to as the ``Clearinghouse'').
    (b) Functions.--The Clearinghouse shall carry out the following
activities:
            (1) Collect, maintain, and disseminate information on
        prevention programs, including information on the following:
                    (A) The state of program development.
                    (B) All types of prevention programs.
                    (C) Findings made in the report submitted under
                section 2(f).
            (2) Develop networks of prevention programs for the purpose
        of sharing and disseminating information.
            (3) Develop and disseminate materials that provide
        technical assistance to public and private entities in
        establishing or improving prevention programs.
            (4) Participate in activities designed to encourage and
        enhance public media campaigns regarding pregnancy in
        teenagers.
            (5) Such other activities as will assist in the development
        and carrying out of activities to reduce pregnancy in
        teenagers.
    (c) Dissemination to Certain Entities.--The categories of entities
to which the Clearinghouse disseminates information shall include
administrators of prevention programs, public and private entities that
provide financial support to such programs, professional medical
associations, entities providing public health services, entities
providing social work services, and school administrators.
    (d) Authorization of Appropriations.--For the purpose of carrying
out this section, there are authorized to be appropriated such sums as
may be necessary for each of the fiscal years 2000 through 2003.

SEC. 4. ONE-TIME INCENTIVE GRANTS FOR EFFECTIVE PREVENTION PROGRAMS.

    (a) In General.--In the case of a prevention program that pursuant
to the evaluation under section 2 has been found to be effective, the
Secretary may under this section make not more than one grant to the
entity that operates the program. The purpose of the grant shall be to
assist the entity with the expenses of operating the program.
    (b) Authorization of Appropriations.--For carrying out subsection
(a), there is authorized to be appropriated $10,000,000, in the
aggregate, for the fiscal years 2000 through 2003. Such authorization
is in addition to any other authorization of appropriations that is
available for making grants for the operational expenses of prevention
programs.

SEC. 5. DEFINITIONS.

    (a) Prevention Programs.--
            (1) Rule of construction.--The provisions of this Act apply
        with respect to a prevention program without regard to which of
        the various programmatic approaches for the prevention of
        pregnancy in teenagers (as defined in paragraph (2)) is the
        focus of the program.
            (2) Programmatic approaches.--For purposes of this Act, the
        term ``programmatic approaches'', with respect to prevention
        programs, includes advocating abstinence from sexual relations;
        providing family planning services (including contraception);
        fostering academic achievement; mentoring by adults; providing
        employment assistance or job training; providing professional
        counseling or peer counseling; providing for recreational or
        social events; and any combination thereof.
    (b) Other Definitions.--For purposes of this Act:
            (1) The term ``prevention program'' means a program for the
        prevention of pregnancy in teenagers.
            (2) The term ``Secretary'' means the Secretary of Health
        and Human Services.

Output:
Teenage Pregnancy Reduction Act of 1996 - Mandates evaluation (directly or through grants or contracts) of a wide variety of promising programs to prevent teenage pregnancy, including programs that do not receive Federal grants.  Mandates scientific peer review of evaluation proposals.  Authorizes appropriations.
Mandates establishment (directly or through grants or contracts) of the National Clearinghouse on Teenage Pregnancy Prevention Programs. Authorizes appropriations.
Authorizes an operating grant to a program found (by the evaluation under this Act) to be effective.  Authorizes appropriations.


Input:
SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Children's Bicycle Helmet Safety Act
of 1993''.

SEC. 2. FINDINGS.

    The Congress finds that--
            (1) 90 million Americans ride bicycles and 20 million ride
        a bicycle more than once a week;
            (2) between 1984 and 1988, 2,985 bicyclists in the United
        States died from head injuries and 905,752 suffered head
        injuries that were treated in hospital emergency rooms;
            (3) 41 percent of bicycle-related head injury deaths and 76
        percent of bicycle-related head injuries occurred among
        American children under age 15;
            (4) deaths and injuries from bicycle accidents cost society
        $7.6 billion annually; and a child suffering from a head
        injury, on average, will cost society $4.5 million over the
        child's lifetime;
            (5) universal use of bicycle helmets in the United States
        would have prevented 2,600 deaths from head injuries and
        757,000 injuries; and
            (6) only 5 percent of children in the Nation who ride
        bicycles wear helmets.

SEC. 3. ESTABLISHMENT OF PROGRAM.

    The Administrator of the National Highway Traffic Safety
Administration may, in accordance with section 4, make grants to
States, State political subdivisions, and nonprofit organizations for
programs that require or encourage individuals under the age of 16 to
wear approved bicycle helmets. In making those grants, the
Administrator shall allow grantees to use wide discretion in designing
programs that effectively promote increased bicycle helmet use.

SEC. 4. PURPOSES FOR GRANTS.

    A grant made under section 3 may be used by a grantee to--
            (1) enforce a law that requires individuals under the age
        of 16 to wear approved bicycle helmets on their heads while
        riding on bicycles;
            (2) assist individuals under the age of 16 to acquire
        approved bicycle helmets;
            (3) develop and administer a program to educate individuals
        under the age of 16 and their families on the importance of
        wearing such helmets in order to improve bicycle safety; or
            (4) carry out any combination of the activities described
        in paragraphs (1), (2), and (3).

SEC. 5. STANDARDS.

    (a) In General.--Bicycle helmets manufactured 9 months or more
after the date of the enactment of this Act shall conform to--
            (1) any interim standard described under subsection (b),
        pending the establishment of a final standard pursuant to
        subsection (c); and
            (2) the final standard, once it has been established under
        subsection (c).
    (b) Interim Standards.--The interim standards are as follows:
            (1) The American National Standards Institute standard
        designated as ``Z90.4-1984''.
            (2) The Snell Memorial Foundation standard designated as
        ``B-90''.
            (3) Any other standard that the Consumer Product Safety
        Commission determines is appropriate.
    (c) Final Standard.--Not later than 60 days after the date of the
enactment of this Act, the Consumer Product Safety Commission shall
begin a proceeding under section 553 of title 5, United States Code,
to--
            (1) review the requirements of the interim standards set
        forth in subsection (a) and establish a final standard based on
        such requirements;
            (2) include in the final standard a provision to protect
        against the risk of helmets coming off the heads of bicycle
        riders;
            (3) include in the final standard provisions that address
        the risk of injury to children; and
            (4) include additional provisions as appropriate.
Sections 7 and 9 of the Consumer Product Safety Act (15 U.S.C. 2056 and
2058) shall not apply to the proceeding under this subsection and
section 11 of such Act (15 U.S.C. 2060) shall not apply with respect to
any standard issued under such proceeding. The final standard shall
take effect 1 year from the date it is issued.
    (d) Failure To Meet Standards.--
            (1) Failure to meet interim standard.--Until the final
        standard takes effect, a bicycle helmet that does not conform
        to an interim standard as required under subsection (a)(1)
        shall be considered in violation of a consumer product safety
        standard promulgated under the Consumer Product Safety Act.
            (2) Status of final standard.--The final standard developed
        under subsection (c) shall be considered a consumer product
        safety standard promulgated under the Consumer Product Safety
        Act.

SEC. 6. AUTHORIZATION OF APPROPRIATIONS.

    For the National Highway Traffic Safety Administration to carry out
the grant program authorized by this Act, there are authorized to be
appropriated $2,000,000 for fiscal year 1994, $3,000,000 for fiscal
year 1995, and $4,000,000 for fiscal year 1996.

SEC. 7. DEFINITION.

    In this Act, the term ``approved bicycle helmet'' means a bicycle
helmet that meets--
            (1) any interim standard described in section 5(b), pending
        establishment of a final standard under section 5(c); and
            (2) the final standard, once it is established under
        section 5(c).

Output:
Children's Bicycle Helmet Safety Act of 1993 - Authorizes the Administrator of the National Highway Traffic Safety Administration to make grants to States, political subdivisions, and nonprofit organizations for programs that require or encourage individuals under age 16 to wear approved bicycle helmets.
Specifies that such grants may be used to:  (1) enforce a law that requires such individuals to wear approved bicycle helmets; (2) assist such individuals to acquire such helmets; and (3) develop and adminster a program to educate such individuals and their families on the importance of wearing such helmets.
Sets interim standards for bicycle helmets and provides that a helmet that does not conform shall be considered in violation of a consumer product safety standard promulgated under the Consumer Product Safety Act (CPSA).
Directs the Consumer Product Safety Commission to begin a proceeding to review the requirements of the interim standards and establish a final standard that includes provisions to protect against the risk of helmets coming off the heads of bicycle riders and to address the risk of injury to children. Specifies that the final standard shall be considered a consumer product safety standard under the CPSA.
Authorizes appropriations.


Input:
SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Electronic Employment Verification
Reauthorization Act of 2008''.

SEC. 2. PERMANENT EXTENSION OF EMPLOYMENT ELIGIBILITY CONFIRMATION
              PILOT PROGRAMS.

    Section 401(b) of the Illegal Immigration Reform and Immigrant
Responsibility Act of 1996 (Public Law 104-208; 8 U.S.C. 1324a note) is
amended by striking ``Unless the Congress otherwise provides, the
Secretary of Homeland Security shall terminate a pilot program at the
end of the 11-year period beginning on the first day the pilot program
is in effect.''.

SEC. 3. REDESIGNATION OF BASIC PILOT PROGRAM.

    Sections 401(c)(1), 403(a), 403(b)(1), 403(c)(1), and 405(b)(2) of
the Illegal Immigration Reform and Immigrant Responsibility Act of 1996
(division C of Public Law 104-208) are amended by striking ``basic
pilot program'' each place that term appears and inserting ``E-Verify
Program''.

SEC. 4. REQUIRED PARTICIPATION BY UNITED STATES CONTRACTORS.

    Section 402(e) of the Illegal Immigration Reform and Immigrant
Responsibility Act of 1996 (Public Law 104-208; 8 U.S.C. 1324a note) is
amended--
            (1) by redesignating paragraphs (2) and (3) as paragraphs
        (3) and (4), respectively; and
            (2) by inserting after paragraph (1) the following:
            ``(2) United states contractors.--Any person, employer, or
        other entity that enters into a contract with the Federal
        Government shall participate in the E-Verify Program and shall
        comply with the terms and conditions of such election.''.

SEC. 5. CHECKING THE IMMIGRATION STATUS OF EMPLOYEES.

    Section 403(a)(3)(A) of the Illegal Immigration Reform and
Immigrant Responsibility Act of 1996 (Public Law 104-208; 8 U.S.C.
1324a note) is amended--
            (1) by striking ``The person'' and inserting the following:
                            ``(i) Upon hiring.--The person''; and
            (2) by adding at the end the following:
                            ``(ii) Existing employees.--An employer
                        that elects to verify the employment
                        eligibility of existing employees shall verify
                        the employment eligibility of all such
                        employees not later than 10 days after
                        notifying the Secretary of Homeland Security of
                        such election.
                            ``(iii) Required participation.--The
                        Secretary of Homeland Security may require any
                        employer or class of employers to participate
                        in the E-Verify Program with respect to
                        individuals employed as of, or hired after, the
                        date of the enactment of the Electronic
                        Employment Verification Reauthorization Act of
                        2008 if the Secretary has reasonable cause to
                        believe that the employer has engaged in
                        material violations of section 274A of the
                        Immigration and Nationality Act (8 U.S.C.
                        1324a).''.

SEC. 6. REVERIFICATION.

    Section 403(a) of the Illegal Immigration Reform and Immigrant
Responsibility Act of 1996 (Public Law 104-208; 8 U.S.C. 1324a note) is
amended by adding at the end the following:
            ``(5) Reverification.--Each employer participating in the
        E-Verify Program shall use the confirmation system to reverify
        the work authorization of any individual not later than 3 days
        after the date on which such individual's employment
        authorization is scheduled to expire, as indicated by the
        documents that the individual provided to the employer pursuant
        to section 274A(b), in accordance with the procedures otherwise
        applicable to the verification of a newly hired employee under
        this subsection.''.

SEC. 7. SMALL BUSINESS DEMONSTRATION PROGRAM.

    Section 403 of the Illegal Immigration Reform and Immigrant
Responsibility Act of 1996 (Public Law 104-208; 8 U.S.C. 1324a note) is
amended--
            (1) by redesignating subsection (d) as subsection (e); and
            (2) by inserting after subsection (c) the following:
    ``(d) Small Business Demonstration Program.--The Director of United
States Citizenship and Immigration Services shall establish, in a rural
setting or in an area with fewer than 10,000 residents, a demonstration
program that assists small businesses in verifying the employment
eligibility of their newly hired employees.''.

SEC. 8. INTERAGENCY NONCONFIRMATION REPORT.

    Section 405 of the Illegal Immigration Reform and Immigrant
Responsibility Act of 1996 (Public Law 104-208; 8 U.S.C. 1324a note) is
amended by adding at the end the following:
    ``(c) Interagency Nonconfirmation Report.--The Director of United
States Citizenship and Immigration Services shall submit a monthly
report to the Assistant Secretary of Immigration and Customs
Enforcement that includes, for each person who receives final
nonconfirmation through the E-Verify Program--
            ``(1) the name of such person;
            ``(2) his or her Social Security number or alien file
        number;
            ``(3) the name and contact information for his or her
        current employer; and
            ``(4) any other critical information that the Assistant
        Secretary determines to be appropriate.
    ``(d) Use of Monthly Report.--The Secretary of Homeland Security
may use information provided under subsection (c) to enforce compliance
of the immigration laws of the United States.''.

Output:
Electronic Employment Verification Reauthorization Act of 2008 - Amends the Illegal Immigration Reform and Immigrant Responsibility Act of 1996 to make the employment eligibility confirmation pilot programs permanent.

Redesignates the basic pilot program as the E-verify program (program).

Requires that any person or employer that enters into a federal contract participate in the program.

Requires that an employer electing to verify the employment eligibility of existing employees do so not later than 10 days after notifying the Secretary of Homeland Security of such election.

Authorizes the Secretary to require an employer or class of employers to participate in the program if the Secretary has reasonable cause to believe that the employer has engaged in material employment violations under the Immigration and Nationality Act.

Requires that an employer participating in the program use the confirmation system to reverify an individual's work authorization not later than three days after the date on which such individual's employment authorization is scheduled to expire.

Requires that the Director of United States Citizenship and Immigration Services establish in a rural setting or in an area with fewer than 10,000 residents a demonstration program to assist small businesses verify the employment eligibility of newly hired employees.


Input:
SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Stopping Abuse and Fraud in
Electronic Lending Act of 2018'' or the ``SAFE Lending Act of 2018''.

SEC. 2. CONSUMER CONTROL OVER BANK ACCOUNTS.

    (a) Prohibiting Unauthorized Remotely Created Checks.--Section 905
of the Electronic Fund Transfer Act (15 U.S.C. 1693c) is amended by
adding at the end the following:
    ``(d) Limitations on Remotely Created Checks.--
            ``(1) Definition.--In this subsection--
                    ``(A) the term `remotely created check' means a
                check, including a paper or electronic check and any
                other payment order that the Bureau, by rule,
                determines is appropriately covered under this
                subsection, that--
                            ``(i) is not created by the financial
                        institution that holds the customer account
                        from which the check is to be paid; and
                            ``(ii) does not bear a signature applied,
                        or purported to be applied, by the person from
                        whose account the check is to be paid; and
                    ``(B) the term `Federal consumer financial law' has
                the meaning given the term in section 1002 of the
                Consumer Financial Protection Act of 2010 (12 U.S.C.
                5481).
            ``(2) Limitations.--Subject to the limitations in paragraph
        (3) and any additional limitations that the Bureau may
        establish, by rule, a remotely created check may only be issued
        by a person designated in writing by a consumer with that
        written designation specifically provided by the consumer to
        the insured depository institution at which the consumer
        maintains the account from which the check is to be drawn.
            ``(3) Additional limitations.--
                    ``(A) In general.--A designation provided by a
                consumer under paragraph (2) may be revoked at any time
                by the consumer.
                    ``(B) Consumer financial protection laws.--No
                payment order, including a remotely created check, may
                be issued by any person in response to the exercise of,
                or attempt to exercise, any right by a consumer under--
                            ``(i) any Federal consumer financial law;
                        or
                            ``(ii) any other provision of any law or
                        regulation within the jurisdiction of the
                        Bureau.''.
    (b) Consumer Protections for Certain One-Time Electronic Fund
Transfers.--Section 913 of the Electronic Fund Transfer Act (15 U.S.C.
1693k) is amended--
            (1) in the matter preceding paragraph (1), by inserting
        ``(a) In General.--'' before ``No person'';
            (2) in subsection (a)(1), as so designated, by striking
        ``preauthorized electronic fund transfers'' and inserting ``an
        electronic fund transfer''; and
            (3) by adding at the end the following:
    ``(b) Treatment for Electronic Fund Transfers in Credit
Extensions.--If a consumer voluntarily agrees to repay an extension of
a small-dollar consumer credit transaction, as defined in section
110(a) of the Truth in Lending Act, by means of an electronic fund
transfer, the electronic fund transfer shall be treated as a
preauthorized electronic fund transfer subject to the protections of
this title.''.

SEC. 3. TRANSPARENCY AND CONSUMER EMPOWERMENT IN SMALL-DOLLAR LENDING.

    (a) Small-Dollar Consumer Credit Transactions.--
            (1) In general.--The Truth in Lending Act (15 U.S.C. 1601
        et seq.) is amended--
                    (A) by inserting after section 109 (15 U.S.C. 1608)
                the following:

``SEC. 110. REGISTRATION REQUIREMENT FOR SMALL-DOLLAR LENDERS.

    ``(a) Definition.--In this section, the term `small-dollar consumer
credit transaction'--
            ``(1) means any transaction that extends credit that is--
                    ``(A) made to a consumer in an amount that--
                            ``(i) is not more than--
                                    ``(I) $5,000; or
                                    ``(II) such greater amount as the
                                Bureau may, by rule, determine; and
                            ``(ii) shall be adjusted annually to
                        reflect changes in the Consumer Price Index for
                        all urban consumers published by the Department
                        of Labor; and
                    ``(B) extended pursuant to an agreement that is--
                            ``(i)(I) other than an open end credit
                        plan; and
                            ``(II) payable in one or more installments
                        of less than 12 months (or such longer period
                        as the Bureau may, by rule, determine);
                            ``(ii) an open end credit plan in which
                        each advance is fully repayable within a
                        defined time or in connection with a defined
                        event, or both; or
                            ``(iii) any other plan as the Bureau
                        determines, by rule; and
            ``(2) includes any action that facilitates, brokers,
        arranges, or gathers applications for a transaction described
        in paragraph (1).
    ``(b) Registration Requirement.--A person shall register with the
Bureau before issuing credit in a small-dollar consumer credit
transaction.''; and
                    (B) in section 173 (15 U.S.C. 1666j), by adding at
                the end the following:
    ``(d) Notwithstanding any other provisions of this title, any
small-dollar consumer credit transaction, as defined in section 110(a),
shall comply with the laws of the State in which the consumer to which
the transaction is made resides with respect to annual percentage
rates, interest, fees, charges, and such other similar or related
matters as the Bureau may, by rule, determine if the small-dollar
consumer credit transaction is--
            ``(1) made over--
                    ``(A) the Internet;
                    ``(B) telephone;
                    ``(C) facsimile;
                    ``(D) mail;
                    ``(E) electronic mail; or
                    ``(F) other electronic communication; or
            ``(2) conducted by a national bank.''.
            (2) Technical and conforming amendment.--The table of
        sections for chapter 1 of the Truth in Lending Act (15 U.S.C.
        1601 et seq.) is amended by inserting after the item relating
        to section 109 the following:

``110. Registration requirement for small-dollar lenders.''.
    (b) Prohibition on Certain Fees.--Section 915 of the Electronic
Fund Transfer Act (15 U.S.C. 1693l-1) is amended--
            (1) in subsection (a)(2)(A), in the matter preceding clause
        (i), by striking ``The term'' and inserting ``Subject to
        subsection (d)(1), the term'';
            (2) by redesignating subsection (d) as subsection (e); and
            (3) by inserting after subsection (c) the following:
    ``(d) Additional Fees Prohibited.--
            ``(1) Definition.--In this subsection, the term `prepaid
        account' has the meaning given the term by rule of the Bureau.
            ``(2) Prohibition.--With respect to the use of a prepaid
        account by a consumer--
                    ``(A) it shall be unlawful for any person to charge
                the consumer a fee for an overdraft, including a
                shortage of funds or a transaction processed for an
                amount exceeding the account balance of the prepaid
                account;
                    ``(B) any transaction for an amount exceeding the
                account balance of the prepaid account may be declined,
                except that the consumer may not be charged a fee for
                that purpose; and
                    ``(C) the Bureau may, by rule, prohibit the
                charging of any fee so that the Bureau may--
                            ``(i) prevent unfair, deceptive, or abusive
                        practices; and
                            ``(ii) promote the ability of the consumer
                        to understand and compare the costs of prepaid
                        accounts.''.

SEC. 4. RESTRICTIONS ON LEAD GENERATION IN SMALL-DOLLAR CONSUMER CREDIT
              TRANSACTIONS.

    (a) In General.--Chapter 2 of the Truth in Lending Act (15 U.S.C.
1631 et seq.) is amended by adding at the end the following:

``SEC. 140B. RESTRICTIONS ON LEAD GENERATION IN SMALL-DOLLAR CONSUMER
              CREDIT TRANSACTIONS.

    ``(a) Definitions.--In this section--
            ``(1) the terms `Internet access service' and `Internet
        information location tool' have the meanings given those terms
        in section 231(e) of the Communications Act of 1934 (47 U.S.C.
        231(e));
            ``(2) the term `sensitive personal financial information'
        means a Social Security number, financial account number, bank
        routing number, bank account number, or security or access code
        that is immediately necessary to permit access to the financial
        account of an individual; and
            ``(3) the term `small-dollar consumer credit transaction'
        has the meaning given the term in section 110(a).
    ``(b) Identification Information.--Any person facilitating,
brokering, arranging for, or gathering applications for, the
distribution of sensitive personal financial information in connection
with a small-dollar consumer credit transaction shall prominently
disclose information by which the person may be contacted or
identified, including for service of process and for identification of
the registrant of any domain name registered or used.
    ``(c) Prohibition on Lead Generation in Small-Dollar Consumer
Credit Transactions.--No person may facilitate, broker, arrange for, or
gather applications for the distribution of sensitive personal
financial information in connection with a small-dollar consumer credit
transaction, unless the person is directly providing the small-dollar
consumer credit to a consumer.
    ``(d) Rule of Construction.--
            ``(1) In general.--Nothing in this section may be construed
        to limit the authority of the Bureau to further restrict
        activities covered by this section.
            ``(2) Clarification.--For the purposes of this section, it
        shall not be considered facilitating the distribution of
        sensitive personal financial information in connection with a
        small-dollar consumer credit transaction to be engaged solely
        in one of the following activities:
                    ``(A) The provision of a telecommunications
                service, an Internet access service, or an Internet
                information location tool.
                    ``(B) The transmission, storage, retrieval,
                hosting, formatting, or translation (or any combination
                thereof) of a communication, without selection or
                alteration of the content of the communication, except
                the deletion of a particular communication or material
                made by another person in a manner that is consistent
                with section 230(c) of the Communications Act of 1934
                (47 U.S.C. 230(c)).''.
    (b) Technical and Conforming Amendment.--The table of sections for
chapter 2 of the Truth in Lending Act (15 U.S.C. 1631 et seq.) is
amended by adding at the end the following:

``140B. Restrictions on lead generation in small-dollar consumer credit
                            transactions.''.

SEC. 5. STUDIES.

    (a) Definitions.--In this section--
            (1) the term ``appropriate committees of Congress'' means--
                    (A) the Committee on Banking, Housing, and Urban
                Affairs of the Senate;
                    (B) the Committee on Indian Affairs of the Senate;
                    (C) the Committee on Financial Services of the
                House of Representatives; and
                    (D) the Committee on Natural Resources of the House
                of Representatives; and
            (2) the term ``Indian tribe'' has the meaning given the
        term in section 4 of the Indian Self-Determination and
        Education Assistance Act (25 U.S.C. 5304).
    (b) Study Required.--Not later than 180 days after the date of
enactment of this Act, the Comptroller General of the United States
shall conduct a study regarding--
            (1) the availability of capital on reservations of Indian
        tribes; and
            (2) the impact that small-dollar consumer credit extended
        through Internet and non-Internet means to members of Indian
        tribes has had on economic opportunity and wealth for members
        of Indian tribes.
    (c) Consultation.--In conducting the study required under
subsection (b), the Comptroller General of the United States shall
consult, as appropriate, with--
            (1) the Bureau of Consumer Financial Protection;
            (2) the Board of Governors of the Federal Reserve System;
            (3) the Director of the Bureau of Indian Affairs;
            (4) federally recognized Indian tribes; and
            (5) community development financial institutions operating
        in Indian lands.
    (d) Congressional Consideration.--The Comptroller General of the
United States shall submit to the appropriate committees of Congress
the study required under subsection (b).

SEC. 6. RULEMAKING.

    Not later than 1 year after the date of enactment of this Act, the
Bureau of Consumer Financial Protection shall adopt any final rules
necessary to implement the provisions of this Act and the amendments
made by this Act.

Output: Stopping Abuse and Fraud in Electronic Lending Act of 2018 or the SAFE Lending Act of 2018  This bill amends the Electronic Fund Transfer Act and the Truth in Lending Act. The bill revises requirements related to consumer financial protection and small-dollar lending, including matters concerning remotely created checks, electronic fund transfers, registration of small-dollar lenders, overdraft fees, and the collection of personal information.