<prompt> Translate the following text to EnglishWakili wa Mfumo wa Usalama wa Wananchi wa Marekani MHPA alisema kuwa watendaji wa mpango na wadhamini, watoaji, na washiriki wanahitaji mwongozo juu ya masharti mapya ya kisheria kabla ya tarehe ya kuanza kutumika.  <response>: The Secretaries found that the requirements are effective January 1, 1998, under the provisions of the MHPA and that plan administrators and sponsors, issuers, and participants needed guidance on the new statutory provisions before the effective date. 