TASK DEFINITION: In this task, you are given a summary for US Congressional and California state bill, your task is to generate a Title for this bill. The preferred titles are under forty words and mention the purpose of the bill.
PROBLEM: Wire Transfer Fairness and Disclosure Act of 2002 - Amends the Electronic Fund Transfer Act to require that the following disclosures be prominently displayed on the premises of a money transmitting business which initiates an international money transfer for a consumer: (1) the exchange rate used in connection with such transaction; (2) the exchange rate prevailing at a major financial center of the foreign country whose currency is involved in the transaction; (3) all commissions and fees charged in connection with such transaction; and (4) the exact amount of foreign currency to be received by the recipient in the foreign country, which shall be disclosed to the consumer before the transaction is consummated.Requires further that such disclosures be prominently revealed in advertisements and receipts used by the business, and in the same language as that principally used by the business to advertise, solicit, or negotiate, at that office, if other than English.

SOLUTION: A bill to amend the Electronic Fund Transfer Act to require additional disclosures relating to exchange rates in transfers involving international transactions.

PROBLEM: Crowdfunding Amendments Act This bill amends the Securities Act of 1933 to allow a crowdfunding issuer to sell shares through a crowdfunding vehicle. (Crowdfunding is a method of capital formation in which groups of people pool money to invest in a company or to support an effort to accomplish a specific goal.) A "crowdfunding vehicle" is defined as a company that:  has purposes limited to acquiring, holding, and disposing only one class of crowdfunding securities issued by a single company;  receives no compensation for doing so; and  meets&nbsp;other specified requirements, including those&nbsp;related to reporting obligations and the use of investment advisers.  The bill amends the Investment Advisers Act of 1940 to provide for the registration of crowdfunding vehicle advisers.  The bill amends the Securities Exchange Act of 1934 to revise the conditions upon which the Securities and Exchange Commission (SEC) shall exempt securities issued in crowdfunding transactions from registration requirements. Under current law, holders of crowdfunded shares do not count toward the shareholder threshold beyond which an issuer is required to register its securities with the SEC, provided that the issuer: (1) is current in its annual reporting obligations, (2) retains the services of a registered transfer agent, and (3) has less than $25 million in assets. The bill maintains this exemption but alters the&nbsp;conditions upon which it applies. Specifically, holders of crowdfunded shares shall not count toward the shareholder threshold if the issuer has: (1)&nbsp;a public float of less than $75 million, or (2) a public float&nbsp;of $0 and annual revenues of less than $50 million. 

SOLUTION: Crowdfunding Amendments Act

PROBLEM: Expresses the sense of the Congress with respect to the continued availability of housing credit and the avoidance of a thrift industry crisis caused by specified structural impediments involving a separate fund concept mandated by the Financial Institutions Reform, Recovery, and Enforcement Act of 1989. 
Establishes the Advisory Commission on BIF and SAIF Funds (Bank Insurance Fund and Savings Association Fund, respectively) to investigate and advise the President and the Congress on:  (1) the viability of merging or maintaining the separation of the deposit insurance funds; and (2) the future status of the deposit insurance system.

SOLUTION:
To authorize the President to establish an advisory commission to study the merger of the BIF and SAIF funds and the implications for the banking and thrift industries of such a merger.