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

Input: Consider Input: SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Depository Institution Community 
Development Investments Enhancement Act''.

SEC. 2. TECHNICAL CORRECTIONS.

    (a) National Banks.--The first sentence of the paragraph designated 
as the ``Eleventh'' of section 5136 of the Revised Statutes of the 
United States (12 U.S.C. 24) (as amended by section 305(a) of the 
Financial Services Regulatory Relief Act of 2006) is amended by 
striking ``promotes the public welfare by benefitting primarily'' and 
inserting ``is designed primarily to promote the public welfare, 
including the welfare of''.
    (b) State Member Banks.--The first sentence of the 23rd paragraph 
of section 9 of the Federal Reserve Act (12 U.S.C. 338a) is amended by 
striking ``promotes the public welfare by benefiting primarily'' and 
inserting ``is designed primarily to promote the public welfare, 
including the welfare of''.

SEC. 3. INVESTMENTS BY FEDERAL SAVINGS ASSOCIATIONS AUTHORIZED TO 
              PROMOTE THE PUBLIC WELFARE.

    Section 5(c) of the Home Owners' Loan Act (12 U.S.C. 1464) is 
amended--
            (1) in paragraph (3)--
                    (A) by striking subparagraph (A); and
                    (B) by redesignating subparagraphs (B) and (C), as 
                subparagraphs (A) and (B), respectively; and
            (2) in paragraph (4), by adding at the end the following 
        new subparagraph:
                    ``(G) Direct investments to promote the public 
                welfare.--
                            ``(i) In general.--A Federal savings 
                        association may make investments, directly or 
                        indirectly, each of which is designed primarily 
                        to promote the public welfare, including the 
                        welfare of low- and moderate-income communities 
                        or families through the provision of housing, 
                        services, and jobs.
                            ``(ii) Direct investments or acquisition of 
                        interest in other companies.--Investments under 
                        clause (i) may be made directly or by 
                        purchasing interests in an entity primarily 
                        engaged in making such investments.
                            ``(iii) Prohibition on unlimited 
                        liability.--No investment may be made under 
                        this subparagraph which would subject a Federal 
                        savings association to unlimited liability to 
                        any person.
                            ``(iv) Single investment limitation to be 
                        established by director.--Subject to clauses 
                        (v) and (vi), the Director shall establish, by 
                        order or regulation, limits on--
                                    ``(I) the amount that any savings 
                                association may invest in any 1 
                                project; and
                                    ``(II) the aggregate amount of 
                                investment of any savings association 
                                under this subparagraph.
                            ``(v) Flexible aggregate investment 
                        limitation.--The aggregate amount of 
                        investments of any savings association under 
                        this subparagraph may not exceed an amount 
                        equal to the sum of 5 percent of the capital 
                        stock of the savings association actually paid 
                        in and unimpaired and 5 percent of the 
                        unimpaired surplus of the savings association, 
                        unless--
                                    ``(I) the Director determines that 
                                the savings association is adequately 
                                capitalized; and
                                    ``(II) the Director determines, by 
                                order, that the aggregate amount of 
                                investments in a higher amount than the 
                                limit under this clause would pose no 
                                significant risk to the affected 
                                Deposit Insurance Fund.
                            ``(vi) Maximum aggregate investment 
                        limitation.--Notwithstanding clause (v), the 
                        aggregate amount of investments of any savings 
                        association under this subparagraph may not 
                        exceed an amount equal to the sum of 15 percent 
                        of the capital stock of the savings association 
                        actually paid in and unimpaired and 15 percent 
                        of the unimpaired surplus of the savings 
                        association.
                            ``(vii) Investments not subject to other 
                        limitation on quality of investments.--No 
                        obligation that a Federal savings association 
                        acquires or retains under this subparagraph 
                        shall be taken into account for purposes of the 
                        limitation contained in section 28(d) of the 
                        Federal Deposit Insurance Act on the 
                        acquisition and retention of any corporate debt 
                        security not of investment grade.
                            ``(viii) Applicability of standards to each 
                        investment.--The standards and limitations of 
                        this subparagraph shall apply to each 
                        investment under this subparagraph made by a 
                        savings association directly and by its 
                        subsidiaries.''.

Output: Depository Institution Community Development Investments Enhancement Act - Amends the Home Owners' Loan Act to revise requirements for community development investments by federal savings associations.

Authorizes a federal savings association to make investments, directly or indirectly, each of which is designed primarily to promote the public welfare, including the welfare of low- and moderate-income communities or families through the provision of housing, services, and jobs (community development investments).

Permits such investments to be made directly or by purchase of interests in an entity primarily engaged in making such investments.

Prohibits a federal savings association from making an investment which would subject it to unlimited liability to any person.

Requires the Director of the Office of Thrift Supervision to establish: (1) the amount any savings association may invest in any one project; and (2) the aggregate amount of investment of any savings association.

Restricts the aggregate amount of investment of any savings association, subject to specified determinations made by the Director.

Prohibits the maximum aggregate amount of investments of any savings association from exceeding the same 15% of its capital stock actually paid in and unimpaired and 15% of its unimpaired surplus as imposed by this Act on national banking associations and state member banks.


Input: Consider Input: SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Restoring Access to Medication and 
Improving Health Savings Act of 2016''.

          TITLE I--RESTORING ACCESS TO MEDICATION ACT OF 2016

SEC. 101. SHORT TITLE.

    This title may be cited as the ``Restoring Access to Medication Act 
of 2016''.

SEC. 102. REPEAL OF DISQUALIFICATION OF EXPENSES FOR OVER-THE-COUNTER 
              DRUGS UNDER CERTAIN ACCOUNTS AND ARRANGEMENTS.

    (a) HSAs.--Section 223(d)(2)(A) of the Internal Revenue Code of 
1986 is amended by striking the last sentence.
    (b) Archer MSAs.--Section 220(d)(2)(A) of such Code is amended by 
striking the last sentence.
    (c) Health Flexible Spending Arrangements and Health Reimbursement 
Arrangements.--Section 106 of such Code is amended by striking 
subsection (f).
    (d) Effective Date.--The amendments made by this section shall 
apply to expenses incurred after December 31, 2016.

               TITLE II--HEALTH CARE SECURITY ACT OF 2016

SEC. 201. SHORT TITLE.

    This title may be cited as the ``Health Care Security Act of 
2016''.

SEC. 202. ALLOW BOTH SPOUSES TO MAKE CATCH-UP CONTRIBUTIONS TO THE SAME 
              HEALTH SAVINGS ACCOUNT.

    (a) In General.--Section 223(b)(5) of the Internal Revenue Code of 
1986 is amended to read as follows:
            ``(5) Special rule for married individuals with family 
        coverage.--
                    ``(A) In general.--In the case of individuals who 
                are married to each other, if both spouses are eligible 
                individuals and either spouse has family coverage under 
                a high deductible health plan as of the first day of 
                any month--
                            ``(i) the limitation under paragraph (1) 
                        shall be applied by not taking into account any 
                        other high deductible health plan coverage of 
                        either spouse (and if such spouses both have 
                        family coverage under separate high deductible 
                        health plans, only one such coverage shall be 
                        taken into account),
                            ``(ii) such limitation (after application 
                        of clause (i)) shall be reduced by the 
                        aggregate amount paid to Archer MSAs of such 
                        spouses for the taxable year, and
                            ``(iii) such limitation (after application 
                        of clauses (i) and (ii)) shall be divided 
                        equally between such spouses unless they agree 
                        on a different division.
                    ``(B) Treatment of additional contribution 
                amounts.--If both spouses referred to in subparagraph 
                (A) have attained age 55 before the close of the 
                taxable year, the limitation referred to in 
                subparagraph (A)(iii) which is subject to division 
                between the spouses shall include the additional 
                contribution amounts determined under paragraph (3) for 
                both spouses. In any other case, any additional 
                contribution amount determined under paragraph (3) 
                shall not be taken into account under subparagraph 
                (A)(iii) and shall not be subject to division between 
                the spouses.''.
    (b) Effective Date.--The amendment made by this section shall apply 
to taxable years beginning after December 31, 2016.

SEC. 203. SPECIAL RULE FOR CERTAIN MEDICAL EXPENSES INCURRED BEFORE 
              ESTABLISHMENT OF HEALTH SAVINGS ACCOUNT.

    (a) In General.--Section 223(d)(2) of the Internal Revenue Code of 
1986 is amended by adding at the end the following new subparagraph:
                    ``(D) Treatment of certain medical expenses 
                incurred before establishment of account.--If a health 
                savings account is established during the 60-day period 
                beginning on the date that coverage of the account 
                beneficiary under a high deductible health plan begins, 
                then, solely for purposes of determining whether an 
                amount paid is used for a qualified medical expense, 
                such account shall be treated as having been 
                established on the date that such coverage begins.''.
    (b) Effective Date.--The amendment made by this section shall apply 
with respect to coverage beginning after December 31, 2016.

SEC. 204. MAXIMUM CONTRIBUTION LIMIT TO HEALTH SAVINGS ACCOUNT 
              INCREASED TO AMOUNT OF DEDUCTIBLE AND OUT-OF-POCKET 
              LIMITATION.

    (a) Self-Only Coverage.--Section 223(b)(2)(A) of the Internal 
Revenue Code of 1986 is amended by striking ``$2,250'' and inserting 
``the amount in effect under subsection (c)(2)(A)(ii)(I)''.
    (b) Family Coverage.--Section 223(b)(2)(B) of such Code is amended 
by striking ``$4,500'' and inserting ``the amount in effect under 
subsection (c)(2)(A)(ii)(II)''.
    (c) Conforming Amendments.--Section 223(g)(1) of such Code is 
amended--
            (1) by striking ``subsections (b)(2) and'' both places it 
        appears and inserting ``subsection'', and
            (2) by striking ``determined by'' in subparagraph (B) 
        thereof and all that follows through ```calendar year 2003'.'' 
        and inserting ``determined by substituting `calendar year 2003' 
        for `calendar year 1992' in subparagraph (B) thereof .''.
    (d) Effective Date.--The amendments made by this section shall 
apply to taxable years beginning after December 31, 2016.

   TITLE III--PROTECTING TAXPAYERS BY RECOVERING IMPROPER OBAMACARE 
                        SUBSIDY OVERPAYMENTS ACT

SEC. 301. SHORT TITLE.

    This title may be cited as the ``Protecting Taxpayers by Recovering 
Improper Obamacare Subsidy Overpayments Act''.

SEC. 302. RECOVERY OF IMPROPER OVERPAYMENTS RESULTING FROM CERTAIN 
              FEDERALLY SUBSIDIZED HEALTH INSURANCE.

    (a) In General.--Section 36B(f)(2)(B)(i) of the Internal Revenue 
Code of 1986 is amended to read as follows:
                            ``(i) In general.--In the case of a 
                        taxpayer whose household income is less than 
                        300 percent of the poverty line for the size of 
                        the family involved for the taxable year, the 
                        amount of the increase under subparagraph (A) 
                        shall in no event exceed the applicable dollar 
                        amount determined in accordance with the 
                        following table (one-half of such amount in the 
                        case of a taxpayer whose tax is determined 
                        under section 1(c) for the taxable year):


----------------------------------------------------------------------------------------------------------------
  ``If the household income (expressed as a
         percent of poverty line) is:                           The applicable dollar amount is:
----------------------------------------------------------------------------------------------------------------
Less than 200%...............................  $600
At least 200% but less than 250%.............  $1,500
At least 250% but less than 300%.............  $3,000.''.
----------------------------------------------------------------------------------------------------------------

    (b) Effective Date.--The amendment made by this section shall apply 
to taxable years beginning after December 31, 2016.

            Passed the House of Representatives July 6, 2016.

            Attest:

                                                 KAREN L. HAAS,

                                                                 Clerk.

Output: Restoring Access to Medication and Improving Health Savings Act of 2016  This bill amends the Internal Revenue Code to modify the rules that apply to health savings accounts (HSAs) and overpayments of subsidies under the Patient Protection and Affordable Care Act.  Restoring Access to Medication Act of 2016  The bill repeals provisions of the Internal Revenue Code, as added by the Patient Protection and Affordable Care Act, that limit payments for medications from HSAs, medical savings accounts, and health flexible spending arrangements to only prescription drugs or insulin (thus allowing distributions from such accounts for over-the-counter drugs).  Health Care Security Act of 2016  The bill modifies the rules for HSAs with respect to catch-up contributions for married couples, medical expenses incurred before an HSA is established, and contribution limits.  If both spouses of a married couple have family coverage under a high deductible health plan, each spouse may make catch-up contributions to the same HSA. (Catch-up contributions are additional contributions which individuals who are at least 55 years of age may make to an HSA.)  If an HSA is established within 60 days of the beginning of coverage under a high deductible health plan, any distribution from the HSA used to pay a qualified medical expense incurred during that 60-day period after the health coverage began is excludible from gross income. (Under current law, the medical expense must be incurred on or after the date that the HSA is established.)  The bill increases the maximum contribution limits for HSAs to equal the maximum for the sum of the annual deductible and out-of-pocket expenses that may be required to be paid for covered benefits under a high deductible health plan.  Protecting Taxpayers by Recovering Improper Obamacare Subsidy Overpayments Act  The bill eliminates the limitation on the increase in tax imposed upon certain low-income families for advance payments of the tax credit for health insurance premium assistance that exceed the allowable amount of such credit. 


Input: Consider Input: SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Cheaper Car Insurance Act of 2004''.

SEC. 2. AUTOMOBILE INSURANCE FRAUD.

    (a) In General.--Chapter 47 of title 18, United States Code, is 
amended by inserting at the end the following:

``SEC. 1038. AUTOMOBILE INSURANCE FRAUD.

    ``(a) Whoever knowingly commits automobile insurance fraud shall be 
punished as provided in subsection (e).
    ``(b) Whoever knowingly acts as a runner, capper, or steerer shall 
be punished as provided in subsection (e).
    ``(c) Whoever knowingly acts as an organizer of an auto insurance 
fraud operation shall be punished as provided in subsection (e).
    ``(d) Whoever knowingly acts as a mastermind or leader of an auto 
insurance fraud operation shall be punished as provided in subsection 
(e).
    ``(e) The punishment for an offense under subsections (a), (b), 
(c), or (d) shall be as follows:
            ``(1) For any violation of subsection (a) in which the 
        defendant is not also convicted of being a runner, capper, or 
        steerer under subsection (b), an organizer under subsection 
        (c), or a leader or master mind under subsection (d), such 
        person shall be fined not more than $100,000, imprisoned not 
        more than 5 years, or both. If the defendant has a prior 
        conviction under subsection (a), such person shall be fined not 
        more than $100,000, imprisoned not more than 10 years, or both.
            ``(2) For any violation of subsection (b), such person 
        shall be fined not more than $100,000, imprisoned not more than 
        5 years, or both.
            ``(3) For any violation of subsection (c), such person 
        shall be fined not more than $100,000, imprisoned not more than 
        10 years, or both.
            ``(4) For any violation of subsection (d), such person 
        shall be fined not more than $100,000, imprisoned not more than 
        15 years, or both.
    ``(f) If a violation of subsection (a), (b), (c), or (d) results in 
costs that exceed $100,000, the fine imposed under subsection (b) may 
be in an amount greater than $100,000 in order to cover the resulting 
cost.
    ``(g) In this section--
            ``(1) the term `automobile insurance fraud' means fraud 
        committed by any person who knowingly and intentionally 
        presents a written statement or claim, causes a written 
        statement or claim to be presented, or prepares a written 
        statement or claim with knowledge or belief that it will be 
        presented to or by an insurer, self-insurer, or any agent 
        thereof, that such person knows--
                    ``(A) contains materially false information 
                concerning any fact material to an application, 
                certificate, evidence, or claim referred to in 
                paragraph (2); or
                    ``(B) conceals, for the purpose of misleading, 
                information concerning any fact material to an 
                application, certificate, evidence, or claim referred 
                to in paragraph (2);
            ``(2) the term `mastermind' or `leader' means any 
        individual who knowingly solicits or employs 2 or more people, 
        or conspires with 2 or more people, to engage in automobile 
        insurance fraud, and who is not also a runner, capper, steerer, 
        or an organizer;
            ``(3) the term `organizer' means any individual who 
        knowingly solicits or employs a runner, capper, or steerer, or 
        acts as a runner, capper, or steerer, with the intent of 
        seeking to falsely or fraudulently obtain benefits under a 
        contract of insurance, or to falsely or fraudulently assert a 
        claim against an insured or an insurer for providing services 
        to a client, patient, or customer;
            ``(4) the term `runner, capper, or steerer' means any 
        person who, for either direct or indirect pecuniary benefit, 
        knowingly procures or attempts to procure a client, patient, or 
        customer at the direction of, or in cooperation with, a person 
        committing automobile insurance fraud under subsection (b), 
        regardless of whether or not the person otherwise participates 
        in the fraud; and
            ``(5) the term `written statement or claim' means a written 
        statement or submission by telephone, computer, or in any other 
        electronic or digital form, that is part of, or in support of--
                    ``(A) an application for the issuance of or the 
                rating of a commercial insurance policy;
                    ``(B) a certificate or evidence of self-insurance 
                for commercial insurance or commercial self-insurance; 
                or
                    ``(C) a claim for payment or other benefit pursuant 
                to an insurance policy or self-insurance program for 
                commercial or personal insurance.''.
    (b) Conforming Amendment.--The chapter analysis for chapter 47 of 
title 18, United States Code, is amended by adding at the end the 
following:

        ``1038. Automobile insurance fraud''.

SEC. 3. BEST PRACTICES.

    (a) In General.--The Department of Justice shall publish best 
practices for the States to use--
            (1) in licensing auto body shops that perform work paid for 
        by insurers; and
            (2) in licensing medical treatment provided to people who 
        are injured in automobile accidents.
    (b) Goal.--The goal of publishing best practices as required under 
subsection (a) is to encourage the States to adopt such practices to 
limit the feasibility of committing insurance fraud.

SEC. 4. INVESTIGATION OF FRAUDULENT PRACTICES.

    (a) In General.--The Attorney General shall cooperate with the 
offices of the United States Attorneys to--
            (1) aggressively investigate fraudulent chop shops and 
        salvage yards;
            (2) aggressively prosecute automobile insurance fraud (as 
        defined in section 1037 of title 18, United States Code); and
            (3) report statistics on investigations, prosecutions, and 
        convictions of automobile insurance fraud.
    (b) Reporting.--Statistics referred to in subsection (a)(3) shall 
be reported to the Subcommittee on Administrative Oversight and the 
Courts of the Committee on the Judiciary of the Senate and the 
appropriate Committee of the House of Representatives.

SEC. 5. FEDERAL-STATE-LOCAL ANTI-AUTO INSURANCE TASK FORCE.

    (a) Establishment of Units.--The Attorney General shall establish 
Federal-State-Local Anti-Auto Insurance Fraud Task Forces in the 
offices of the United States Attorneys in the 10 cities in the United 
States that are most severely affected, as determined by the Attorney 
General, by automobile insurance fraud (as defined in section 1037 of 
title 18, United States Code).
    (b) Purpose.--The special units established under subsection (a) 
shall investigate and prosecute automobile insurance fraud.
    (c) Authorization of Appropriations.--There are authorized to be 
appropriated to carry out this section $25,000,000 in fiscal year 2005, 
and such sums or fiscal years thereafter as determined by Congress.

SEC. 6. INSURANCE COMPANY RIGHT TO MANDATORY INSPECTION BEFORE 
              INSURING.

    (a) Right of Inspection.--An insurance company shall have the right 
to require a mandatory inspection by an insurance company 
representative or agent of any motor vehicle prior to agreeing to 
provide insurance coverage, except as provided under subsection (b).
    (b) Exemption From Pre-insurance Inspection.--The right to inspect 
under subsection (a) may be waived by an insurance company under the 
following circumstances:
            (1) The motor vehicle is already insured under the policy 
        for either comprehensive or collision coverage.
            (2) The motor vehicle is a new vehicle purchased from a 
        retail dealership, and the insurer is provided with--
                    (A) a copy of the bill of sale containing a full 
                description of the motor vehicle, including options and 
                accessories, and a statement from the seller that the 
                motor vehicle has no damage; or
                    (B) a copy of the Manufacturer Statement of Origin, 
                a statement from the seller that the motor vehicle has 
                no damage, and a copy of the window sticker or dealer 
                invoice containing a full description of the motor 
                vehicle, including options or accessories.
            (3) An insured named in the policy has been insured by the 
        same insurer for 1 or more policy years under a policy that has 
        continuously provided physical damage coverage.
            (4) The motor vehicle is rented or leased for less than 6 
        months, provided that the insurer is given a copy of the lease 
        or rental agreement, and that the document contains a complete 
        description of the rented or leased motor vehicle, including 
        its condition at the time of lease or rental.
            (5) The motor vehicle is rated or insured under a 
        commercial automobile insurance policy.
            (6) When pre-insurance inspection would cause serious 
        hardship to the insured or applicant for insurance, and the 
        hardship is documented in records maintained by the insurer.
    (c) Non-discrimination of Pre-insurance Inspections.--An insurer 
may require a pre-insurance inspection of an otherwise exempt motor 
vehicle. The decision to require a pre-insurance inspection of an 
exempt vehicle shall not be based on the age, race, sex, religion, or 
marital status of the applicant or insured, or the fact that the motor 
vehicle has been insured through a residual or non-voluntary insurance 
market.


Output: Cheaper Car Insurance Act of 2004 - Amends the Federal criminal code to prohibit automobile insurance fraud.

Directs the Department of Justice to publish best practices for the States to use in licensing: (1) auto body shops that perform work paid for by insurers; and (2) medical treatment provided to people who are injured in automobile accidents.

Requires the Attorney General to: (1) cooperate with the offices of the U.S. Attorneys to aggressively investigate fraudulent chop shops and salvage yards, to aggressively prosecute automobile insurance fraud, and to report statistics on investigations, prosecutions, and convictions; and (2) establish Federal-State-Local Anti-Auto Insurance Fraud Task Forces in the offices of the U.S. Attorneys in the ten U.S. cities that are most severely affected.

Grants an insurance company the right to require a mandatory inspection by an insurance company representative or agent of any motor vehicle prior to agreeing to provide insurance coverage. Permits a company to waive such right under specified circumstances. Allows an insurer to require a pre-insurance inspection of an otherwise exempt motor vehicle, but prohibits basing such decision on the age, race, sex, religion, or marital status of the applicant or insured or the fact that the vehicle has been insured through a residual or non-voluntary insurance market.