In this task, you are given text for US Congressional and California state bills, your task is to generate a summary for this bill.

[Q]: SECTION 1. SHORT TITLE.

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

SEC. 2. FEDERAL DEPOSIT INSURANCE ACT AMENDMENTS.

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

``SEC. 51. RIGHT TO CLOSE PERSONAL CHECKING AND SAVINGS ACCOUNTS.

    ``(a) In General.--An insured depository institution may not--
            ``(1) prohibit any person from closing a checking or 
        savings account, regardless of whether the balance in the 
        account is positive, zero, or negative; or
            ``(2) charge any fee to close any such account.
    ``(b) Time Limit.--An account at any insured depository institution 
shall be closed by the institution not later than 48 hours after 
receiving a request from the customer to close the account.
    ``(c) Methods of Requesting Closure of an Account.--
            ``(1) In general.--Any accountholder of an account at an 
        insured depository institution may request that the account be 
        closed in person, over the phone, or by other electronic or 
        remote means, as may be prescribed by regulation.
            ``(2) Exception for large accounts.--Notwithstanding 
        paragraph (1), any insured depository institution may require 
        an accountholder of an account which has an outstanding balance 
        of $25,000 or more on deposit at the depository institution to 
        close the account in person, to the extent the depository 
        institution has provided written notice of such requirement to 
        the account holder at any time prior to receiving a request 
        from the accountholder to close the account.
    ``(d) Repayment of Balances.--
            ``(1) In general.--Any balance in an account at an insured 
        depository institution that is closed by the institution 
        pursuant to a request by the accountholder shall repaid to the 
        accountholder in accordance with the following requirements:
                    ``(A) In person.--If the request is made in person, 
                the total amount of funds on deposit in the account 
                shall be paid to the accountholder at the time the 
                request is made at the consumer's option and without a 
                fee, by certified check provided to the consumer at the 
                time of the request, by electronic fund transfer 
                executed on that business day to an account designated 
                by the consumer, or by any other means offered by the 
                financial institution if requested by the consumer.
                    ``(B) Request made by other means.--If the request 
                is made over the phone, or by other electronic or 
                remote means, the total amount of funds on deposit in 
                the account shall promptly be remitted by the 
                institution to the accountholder at the consumer's 
                option and without a fee, by certified check issued on 
                the business day on which the request is received, by 
                electronic fund transfer executed on that business day 
                to an account designated by the consumer, or by any 
                other means offered by the financial institution if 
                requested by the consumer.
            ``(2) Time limit.--In any case, the payment by an insured 
        depository institution of the total amount of funds on deposit 
        in an account at the institution which the accountholder has 
        requested be closed shall be remitted to the accountholder 
        before the end of the 3 business day period beginning when the 
        accountholder submits such request.
    ``(e) Prohibition on Any Fees or Charges After Request To Close.--
No insured depository institution may impose any fees or charges on any 
deposit account at such institution after receiving a request in 
accordance with subsection (c) to close the account.
    ``(f) Prohibition on Reopening Account To Make Subsequent 
Payment.--No insured depository institution may reopen an account that 
the consumer has requested be closed in accordance with subsection (c) 
to apply subsequent debits, whether preauthorized or otherwise, or for 
any other reason, unless the consumer expressly requests that such 
account be reopened.
    ``(g) Notice of Subsequent Preauthorized Recurring Debits.--During 
the 30-day period beginning on the date an account at an insured 
depository institution is closed pursuant to a request by the 
accountholder, the insured depository institution shall promptly notify 
the customer if a preauthorized recurring debit is directed to the 
account.
    ``(h) Limitation on Reporting.--
            ``(1) Negative balance resulting from fees.--If, at the 
        time any account at an insured depository institution is 
        closed, the account has a negative balance resulting solely 
        from any fee assessed by the depository institution, the 
        insured depository institution may not report the fact of the 
        outstanding balance or any other adverse information with 
        respect to such account to any consumer reporting agency 
        described in section 603(f) of the Fair Credit Reporting Act if 
        such information could be used to adversely affect the 
        consumer's ability to open a transaction account at another 
        depository institution.
            ``(2) Treatment of negative balance resulting from 
        overdrafts.--If such information could be used to adversely 
        affect the consumer's ability to open a transaction account at 
        another depository institution, an insured depository 
        institution shall not report to any consumer reporting agency 
        (as defined in section 603 of the Fair Credit Reporting Act) 
        that an account had a negative balance at the time of the 
        closure of the account unless all of the following conditions 
        are met:
                    ``(A) Only if the negative balance is the result of 
                funds actually paid by the depository institution to a 
                third party.
                    ``(B) Only for the amount it actually paid to the 
                third party and not for any fees associated with the 
                transaction.
                    ``(C) Only to the extent the negative balance is 
                the result of credit extended through an overdraft line 
                of credit program where the fee or charge incurred in 
                connection with the overdraft is considered a finance 
                charge under the Truth In Lending Act.
            ``(3) Notice and opportunity for repayment of overdraft.--
        If an account of an accountholder at an insured depository 
        institution has a negative balance at the time the account is 
        closed, the insured depository institution--
                    ``(A) shall promptly notify the accountholder of 
                the fact of the negative balance and the amount due; 
                and
                    ``(B) may, after the end of the 30-day period 
                beginning on the date notice is provided to an 
                accountholder under subparagraph (A)--
                            ``(i) report the fact of the outstanding 
                        balance or any other adverse information with 
                        respect to such account to any consumer 
                        reporting agency, subject to the limitations in 
                        paragraph (2); and
                            ``(ii) take any other collection activity 
                        with respect to such outstanding balance.
    ``(i) Transfer of Direct Deposit Received After Notice of Closure 
and Payment.--If--
            ``(1) during the 30-day period beginning after any balance 
        in an account at an insured depository institution that is 
        closed by the institution pursuant to a request by the 
        accountholder has been repaid to the accountholder, a 
        previously scheduled amount intended for direct deposit into 
        such account is received by such institution, and
            ``(2) before the time such amount is received, the consumer 
        provides the insured depository institution with an account 
        number and insured depository institution routing number for a 
        successor transaction or savings account at another insured 
        depository institution,
the insured depository institution which receives such amount shall 
transfer such amount, without a fee and by electronic fund transfer, to 
the insured depository institution identified by the former 
accountholder for deposit in the transaction or savings account 
identified by such former accountholder.
    ``(j) Regulations.--The Federal banking agencies shall jointly 
prescribe regulations to carry out the purposes of this section.''.
[A]: Freedom and Mobility in Consumer Banking Act - Amends the Federal Deposit Insurance Act (FDIA) to prohibit an insured depository institution from: (1) prohibiting any person from closing a checking or savings account, regardless of its balance; or (2) charging a fee to close such an account.

Requires a depository institution to close an account within 48 hours after receiving a request from the customer to do so.

Permits an account holder to request that the account be closed in person, over the phone, or by other electronic or remote means, as may be prescribed by regulation.

Sets forth financial institution procedures for closing large accounts and repaying balances, as well as notice and opportunity for accountholder repayment of overdrafts.

Prohibits a depository institution from: (1) imposing fees or charges after receiving a request to close an account, or (2) reopening an account without express account holder request.


[Q]: SECTION 1. REPORTING OF BUNDLED CONTRIBUTIONS BY PERSONS OTHER THAN 
              REGISTERED LOBBYISTS.

    (a) In General.--Subsection (i) of section 304 of the Federal 
Election Campaign Act of 1971 (2 U.S.C. 434(i)), as added by the Honest 
Leadership and Open Government Act of 2007, is amended--
            (1) in paragraph (1), by striking ``reasonably known by the 
        committee to be a person described in paragraph (7)'';
            (2) in paragraph (2), by striking ``means, with respect to 
        a committee'' and all that follows through ``threshold.'' and 
        inserting the following: ``means--
                    ``(A) with respect to a committee which is an 
                authorized committee of a candidate for the office of 
                President or for nomination to such office--
                            ``(i) the 2-year period preceding the date 
                        of the election for the office of the 
                        President; and
                            ``(ii) any reporting period applicable to 
                        the committee under this section during which 
                        any person provided 2 or more bundled 
                        contributions to the committee in an aggregate 
                        amount greater than the applicable threshold; 
                        and
                    ``(B) with respect to any other committee--
                            ``(i) the period beginning January 1 and 
                        ending June 30 of each year;
                            ``(ii) the period beginning July 1 and 
                        ending December 31 of each year; and
                            ``(iii) any reporting period applicable to 
                        the committee under this section during which 
                        any person provided 2 or more bundled 
                        contributions to the committee in an aggregate 
                        amount greater than the applicable 
                        threshold.'';
            (3) in paragraph (3)--
                    (A) by striking subparagraph (A) and inserting the 
                following:
                    ``(A) In general.--In this subsection, the 
                `applicable threshold' is--
                            ``(i) $50,000 in the case of a committee 
                        which is an authorized committee of a candidate 
                        for the office of President or for nomination 
                        to such office; and
                            ``(ii) $15,000 in the case of any other 
                        committee.
                In determining whether the amount of bundled 
                contributions provided to a committee by a person 
                exceeds the applicable threshold, there shall be 
                excluded any contribution made to the committee by the 
                person or the person's spouse.''; and
                    (B) in subparagraph (B), by striking ``the amount'' 
                each place it appears and inserting ``each amount'';
            (4) in paragraph (5), by striking ``described in paragraph 
        (7)'' each place it appears in subparagraphs (C) and (D);
            (5) by striking paragraph (7) and inserting the following:
            ``(7) Separate reporting for certain persons.--Each 
        committee required to include a schedule under paragraph (1) 
        shall also include a separate schedule setting forth the name, 
        address, and employer of each person listed on the schedule 
        required under paragraph (1) who, at the time a contribution is 
        forwarded to a committee as described in paragraph (8)(A)(i) or 
        is received by a committee as described in paragraph 
        (8)(A)(ii), is--
                    ``(A) a current registrant under section 4(a) of 
                the Lobbying Disclosure Act of 1995;
                    ``(B) an individual who is listed on a current 
                registration filed under section 4(b)(6) of such Act or 
                a current report under section 5(b)(2)(C) of such Act; 
                or
                    ``(C) a political committee established or 
                controlled by such a registrant or individual.
        The schedule required under the preceding sentence shall also 
        include the aggregate amount of bundled contributions provided 
        by each such person during the covered period.''; and
            (6) in paragraph (8)(A)--
                    (A) by striking ``and a person described in 
                paragraph (7)''; and
                    (B) by adding at the end the following flush 
                sentence:
                ``The term `bundled contribution' shall not include any 
                contribution forwarded by or credited to (through 
                records, designations, or other means of recognizing a 
                certain amount of money has been raised) a person who 
                is a regularly paid employee of the committee.''.
    (b) Effective Date.--The amendments made by this section shall take 
effect as if included in section 204 of the Honest Leadership and Open 
Government Act of 2007.
[A]: Amends the Federal Election Campaign Act of 1971, as amended by the Honest Leadership and Open Government Act of 2007, to revise requirements for disclosure of bundled contributions, particularly by an authorized committee of a candidate for the office of President or for nomination to such office (presidential candidate committee).

Applies such reporting requirements to bundled contributions by persons other than registered lobbyists. Requires reporting of lobbyist contributions on a separate schedule.

Sets the covered period for such reports as the two-year period preceding a presidential election, as well as any applicable reporting period during which any person provided two or more bundled contributions in an aggregate amount greater than the specified applicable amount.

Increases the applicable threshold triggering such reporting requirement from $15,000 (currently applicable to any authorized committee of a candidate, a leadership PAC, or a political party committee) to $50,000 in the case of a presidential candidate committee.

Excludes from the calculation of a bundled contribution any contribution by the candidate or the candidate's spouse.


[Q]: SECTION 1. SHORT TITLE.

    This Act may be cited as the ``National Forest Foundation 
Conservation Act''.

SEC. 2. AMENDMENTS TO NATIONAL FOREST FOUNDATION ACT.

    (a) Provision of Administrative Support.--Subsection (c) of section 
405 of the National Forest Foundation Act (16 U.S.C. 583j-3) is amended 
to read as follows:
    ``(c) Administrative Assistance.--(1) Subject to such limitations, 
terms, and conditions as the Secretary may establish, the Secretary 
may--
            ``(A) detail personnel of the Department of Agriculture to 
        assist the Foundation; and
            ``(B) provide the Foundation with Department of Agriculture 
        facilities, equipment, supplies, and other administrative 
        services (including Government-contracted transportation and 
        travel services).
    ``(2) Assistance under paragraph (1) may be provided for partial or 
no reimbursement, as the Secretary considers appropriate.''.
    (b) Matching Funds.--
            (1) Extension and expansion of authority; source of 
        funds.--Section 410 of the National Forest Foundation Act (16 
        U.S.C. 583j-8) is amended to read as follows:

``SEC. 410. AVAILABILITY OF FUNDS TO MATCH FOUNDATION CONTRIBUTIONS.

    ``For the purposes of section 405 of this title, during the five-
year period beginning on October 1, 1997, the Secretary may make 
available to the Foundation from benefiting Forest Service 
appropriations up to $5,000,000 each fiscal year to match, on a one-
for-one basis, private contributions made to the Foundation.''.
            (2) Conforming amendments.--Section 405 of the National 
        Forest Foundation Act (16 U.S.C. 583j-3) is amended--
                    (A) by striking subsection (a);
                    (B) in subsection (b)--
                            (i) by striking ``In addition to the 
                        startup funds provided under subsection (a) of 
                        this section, for'' and inserting ``For'';
                            (ii) by striking ``October 1, 1992,'' and 
                        inserting ``October 1, 1997,''; and
                            (iii) by striking ``section 410(b)'' and 
                        inserting ``section 410''; and
                    (C) by redesignating subsections (b) and (c) as 
                subsections (a) and (b), respectively.
            (3) Effect of amendments.--The amendments made by this 
        subsection shall not affect the availability or use of funds 
        made available for fiscal year 1997 under sections 405(b) and 
        410(b) of the National Forest Foundation Act, as in effect on 
        the day before the date of the enactment of this Act.
    (c) Use of Interest and Other Investment Income.--Section 404 of 
the National Forest Foundation Act (16 U.S.C. 583j-2) is amended by 
adding at the end the following new subsection:
    ``(f) Use of Interest and Other Investment Income.--Interest and 
other investment income earned (before, on, or after the date of the 
enactment of this subsection) by the Foundation and its subgrantees on 
Federal funds received from the Secretary under section 405, but not 
immediately disbursed, may be used by the Foundation to carry out the 
purposes of the Foundation under section 402(b).''.
    (d) Exception From Audit Reporting and Compliance Requirements.--
Section 407(a) of the National Forest Foundation Act (16 U.S.C. 583j-
5(a)) is amended by adding at the end the following new sentence: ``A 
subgrantee of the Foundation shall be exempt from the audit reporting 
and compliance requirements of Office of Management and Budget Circular 
A-133 (or any successor administrative regulation or policy) in the 
case of grants of $250,000 or less.''.
    (e) Licensing Use of Symbols; Violations.--Section 404 of the 
National Forest Foundation Act (16 U.S.C. 583j-2) is amended--
            (1) in subsection (d)(3), by inserting ``license,'' after 
        ``lease,''; and
            (2) by inserting after subsection (f), as added by 
        subsection (c) of this section, the following new subsections:
    ``(g) Licensing Use of Symbols.--(1) To further the purposes of the 
Foundation under section 402(b), the Foundation shall have exclusive 
authority to license or authorize persons to use trademarks, 
tradenames, signs, symbols, emblems, insignia, logos, likenesses, or 
slogans to represent, promote, or advertise that an individual, 
company, or particular good or service is an official sponsor or 
supporter of the Forest Service, the National Forest System, or any 
unit thereof. Any license or authorization provided by the Foundation 
under this paragraph shall be subject to the prior written approval of 
the Secretary, who may not delegate this authority.
    ``(2) All net income derived from licenses and authorizations 
provided under paragraph (1) shall be expended by the Foundation in 
accordance with policies and priorities of the Forest Service on 
programs, projects, or activities that benefit the National Forest 
System or the Forest Service, as identified by the Secretary in 
consultation with the Foundation.
    ``(3) Nothing in this subsection shall affect the authority of the 
Secretary under Public Law 93-318 (16 U.S.C. 580p et seq.) relating to 
the name and character of `Smokey Bear', and the name and character of 
`Woodsy Owl'.
    ``(4) The authority provided to the Foundation by paragraph (1) 
shall expire on September 30, 2003.
    ``(h) Violation of Licensing Requirements.--Except as provided in 
subsection (g), no person may use for commercial purposes any 
trademark, tradename, sign, symbol, emblem, insignia, slogan, or 
related artistic design belonging to the Forest Service. Whoever, 
without the authorization of the Foundation under subsection (g), uses 
for purposes of trade, to induce the sale of any good or service, to 
promote any commercial activity, or for other commercial purpose, the 
name of the Foundation or any trademark, tradename, sign, symbol, 
emblem, insignia, logo, likeness, or slogan referred to in subsection 
(g), or any facsimile or simulation thereof tending to cause confusion, 
to cause mistake, to deceive, or to suggest falsely that an individual, 
company, or particular good or service is an official sponsor or 
official supporter of the National Forest System or the Forest Service, 
shall be subject to suit in a civil action by the Foundation for the 
remedies provided in title VI of the Act of July 5, 1946 (commonly 
referred to as the Trademark Act of 1946; 15 U.S.C. 1114 et seq.).''.
    (f) Reporting Requirements.--Section 407 of the National Forest 
Foundation Act (16 U.S.C. 583j-5) is amended by adding at the end the 
following new subsection:
    ``(c) Report on Licensing Activities.--Not later than 5 years after 
the date of the enactment of this subsection, the Secretary shall 
submit to the Committee on Resources of the House of Representatives 
and the Committee on Energy and Natural Resources of the Senate a 
report assessing the cost, effectiveness, and effects of the licensing 
and authorization program established pursuant to section 404(g). The 
report shall include a recommendation regarding the desirability of 
extending the authority provided in such section beyond the expiration 
date specified in paragraph (4) of such section and assessments of the 
effect of such program on--
            ``(1) visitation levels in the National Forest System;
            ``(2) the image of the National Forest System;
            ``(3) achievement of the needs and priorities of the Forest 
        Service;
            ``(4) appropriations for the National Forest System; and
            ``(5) the costs of the Foundation and the Secretary to 
        administer the program.''.
[A]:
National Forest Foundation Conservation Act - Amends the National Forest Foundation Act to extend matching fund authority for the National Forest Foundation. 
Authorizes the Foundation to license the use of symbols, trademarks, or logos.