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. SHORT TITLE.

    This Act may be cited as ``Medicaid/SCHIP Optional Coverage for 
Young Adults Act of 2003''.

SEC. 2. PROVIDING STATE OPTION FOR SCHIP AND MEDICAID COVERAGE OF YOUNG 
              ADULTS UP TO AGE 23.

    (a) In General.--
            (1) Medicaid.--(A) Section 1902(l)(1)(D) of the Social 
        Security Act (42 U.S.C. 1396a(l)(1)(D)) is amended by inserting 
        ``(or, at the option of the State, who have not attained 20, 
        21, or 22 years of age, as the State may elect)'' after ``have 
        not attained 19 years of age''.
            (B) Clause (i) of section 1905(a) of the Social Security 
        Act (42 U.S.C. 1396d(a)) is amended by striking ``under the age 
        of 21, or, at the option of the State, under the age of 20, 19, 
        or 18 as the State may choose'' and inserting ``under the age 
        of 23, or, at the option of the State, under the age of 22, 21, 
        20, 19, or 18 as the State may elect''.
            (2) SCHIP.--Section 2110(c)(1) of such Act (42 U.S.C. 
        1397jj(c)(1)) is amended by inserting after ``19 years of age'' 
        the following: ``(or, at the option of the State and subject to 
        the availability of additional allotments under section 
        2104(d), 20, 21, 22, or 23 years of age)''.
    (b) Availability of Enhanced Matching Funds.--
            (1) Under medicaid.--Section 1905 of the Social Security 
        Act (42 U.S.C. 1396d) is amended--
                    (A) in the fourth sentence of subsection (b), by 
                striking ``or subsection (u)(3)'' and inserting ``, 
                (u)(3), or (u)(4)(A)''; and
                    (B) in subsection (u)--
                            (i) by adding at the end of paragraph (1) 
                        the following new subparagraph:
            ``(C) Only with respect to expenditures described in 
        paragraph (4)(A), if the State is providing for benefits under 
        its State child health plan under title XXI for children under 
        19 years of age exclusively through benefits under its State 
        plan under this title, the State is also providing under such 
        plan the benefits for individuals over 18 years of age who are 
        eligible for such benefits only because of an election referred 
        to in such paragraph.'';
                            (ii) by redesignating paragraph (4) as 
                        paragraph (5); and
                            (iii) by inserting after paragraph (3) the 
                        following new paragraph:
    ``(4) For purposes of the fourth sentence of subsection (b) and 
section 2105(a), the expenditures described in this paragraph are 
expenditures for medical assistance for individuals who are over 18 
(and less than 23) years of age and who are eligible for such medical 
assistance because of an election by the State under section 
1902(l)(1)(D) or clause (i) of section 1905(a).''.
            (2) Additional allotments for providing coverage of 
        optional young adults.--
                    (A) In general.--Section 2104 of such Act (42 
                U.S.C. 1397dd) is amended by inserting after subsection 
                (c) the following:
    ``(d) Additional Allotments for the Provision of Coverage to 
Optional Young Adults.--
            ``(1) Appropriation; total allotment.--For the purpose of 
        providing additional allotments to States under this title, 
        there is appropriated, out of any money in the Treasury not 
        otherwise appropriated, for each of fiscal years 2004 through 
        2007, $200,000,000.
            ``(2) State and territorial allotments.--In addition to the 
        allotments provided under subsections (b) and (c), subject to 
        paragraph (3), of the amount available for the additional 
        allotments under paragraph (1) for a fiscal year, the Secretary 
        shall allot to each State with a State child health plan 
        approved under this title--
                    ``(A) in the case of such a State other than a 
                commonwealth or territory described in subparagraph 
                (B), the same proportion as the proportion of the 
                State's allotment under subsection (b) (determined 
                without regard to subsection (f)) to the total amount 
                of the allotments under subsection (b) for such States 
                eligible for an allotment under this paragraph for such 
                fiscal year; and
                    ``(B) in the case of a commonwealth or territory 
                described in subsection (c)(3), the same proportion as 
                the proportion of the commonwealth's or territory's 
                allotment under subsection (c) (determined without 
                regard to subsection (f)) to the total amount of the 
                allotments under subsection (c) for commonwealths and 
                territories eligible for an allotment under this 
                paragraph for such fiscal year.
            ``(3) Use of additional allotment.--Additional allotments 
        provided under this subsection are not available for amounts 
        expended before October 1, 2003. Such amounts are available for 
        amounts expended on or after such date only for--
                    ``(A) expenditures described in section 
                1905(u)(4)(A); and
                    ``(B) child health assistance for individuals who 
                are targeted low-income children and over 18 years of 
                age and who are low-income children only because of an 
                election by the State under section 2110(c)(1).''.
                    (B) Conforming amendments.--Section 2104 of the 
                Social Security Act (42 U.S.C. 1397dd) is amended--
                            (i) in subsection (a), in the matter 
                        preceding paragraph (1), by inserting ``subject 
                        to subsection (d),'' after ``under this 
                        section,'';
                            (ii) in subsection (b)(1), by inserting 
                        ``and subsection (d)'' after ``Subject to 
                        paragraph (4)''; and
                            (iii) in subsection (c)(1), by inserting 
                        ``subject to subsection (d),'' after ``for a 
                        fiscal year,''.
    (c) Effective Date.--The amendments made by this section apply to 
items and services furnished on or after October 1, 2003, without 
regard to whether regulations implementing such amendments have been 
promulgated.

SEC. 3. GRANTS TO IMPLEMENT MEDICAID AND SCHIP EXPANSIONS.

    (a) In General.--The Secretary of Health and Human Services shall 
provide for grants to small and rural States (as defined by the 
Secretary) in order to enable such States to implement expansions of 
eligibility for children and young adults their State medicaid plans 
under title XIX of the Social Security Act and State child health plans 
under title XXI of such Act. Such grants shall be available for 
planning, implementation, and outreach with respect to such expanded 
eligibility populations.
    (b) Terms and Conditions.--Grants under this section shall be made 
available under such terms and conditions, including the approval of a 
grant application, as the Secretary shall specify.
    (c) Authorization of Appropriations.--There are authorized to be 
appropriated such sums as may be necessary to provide for grants under 
this section.
[A]: Medicaid/SCHIP Optional Coverage for Young Adults Act of 2003 - Amends titles XIX (Medicaid) and XXI (State Children's Health Insurance) (SCHIP) of the Social Security Act to give States the option of providing SCHIP and Medicaid coverage, with an enhanced matching rate, to low-income youth up to age 23.

Directs the Secretary to provide for grants to small and rural States in order to enable them to implement expansions of eligibility for children and young adults under SSA titles XIX and XXI.


[Q]: SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Regional Jet Air Service Improvement 
Act''.

SEC. 2. AMENDMENT OF TITLE 49, UNITED STATES CODE.

    Subtitle VII of title 49, United States Code, is amended by adding 
at the end thereof the following:

           ``Part E.--Regional Air Service Incentive Program

``Sec.
``49201. Purpose.
``49202. Definitions.
``49203. Loan guarantees.
``49204. Conditions and limitations.
``49205. Fees.
``49206. Use of Federal facilities; assistance.
``49207. Receipts; payments.
``49208. Termination.
``Sec. 49201. Purpose
    ``The purpose of this chapter is to improve service by jet aircraft 
to underserved markets by providing assistance, in the form of loan 
guarantees, to air carriers, commuter air carriers, and intrastate air 
carriers that purchase regional jet aircraft for use in serving those 
markets.
Sec. 49202. Definitions
    ``As used in this part:
            ``(1) Aircraft purchase loan.--The term `aircraft purchase 
        loan' means any loan, or commitment in connection with a loan, 
        made for the purchase of commercial transport aircraft, 
        including spare parts normally associated with the aircraft.
            ``(2) Air carrier.--The term `air carrier' means any air 
        carrier (as that term is defined in section 40102(2)) holding a 
        certificate of public convenience and necessity issued by the 
        Secretary under section 41102.
            ``(3) Commuter air carrier.--The term `commuter air 
        carrier' means air carrier operating pursuant to section 
        40104(a)(1)(A) who operates at least 5 round trip flights per 
        week between 1 pair of points in accordance with published 
        flight schedules.
            ``(4) Intrastate air carrier.--The term `intrastate air 
        carrier' means any citizen of the United States who undertakes, 
        whether directly or indirectly or by a lease or any other 
        arrangement, to engage primarily in intrastate air 
        transportation (as such term is defined in section 40102(26)).
            ``(5) Nonhub airport.--The term `nonhub airport' means an 
        airport that each year has less than .05 percent of the total 
        annual boardings in the United States.
            ``(6) Regional jet aircraft.--The term `regional jet 
        aircraft' means a civil aircraft (as defined in section 
        40102(16))--
                    ``(A) powered by jet propulsion;
                    ``(B) with seating for not less than 30 nor more 
                than 70 passengers (except that the Secretary may, for 
                good cause shown, permit a variance of up to 5 
                passengers).
            ``(7) Small hub airport.--The term `small hub airport' 
        means an airport that each year has at least .05 percent, but 
        less than .25 percent, of the total annual boardings in the 
        United States.
            ``(8) Underserved market.--The term `underserved market' 
        means a passenger air transportation market (as defined by the 
        Secretary that--
                    ``(A) is served (as determined by the Secretary) by 
                a nonhub airport or a small hub airport; and
                    ``(B) is not within a 50-mile radius of a primary 
                airport (as defined in section 47102(11).
``Sec. 49203. Loan guarantees
    ``(a) In General.--The Secretary may guarantee any lender against 
loss of principal or interest on any aircraft purchase loan made by 
that lender to--
            ``(1) any air carrier with respect to which the certificate 
        issued that air carrier under chapter 41 of title 49, United 
        States Code, authorizes--
                    ``(A) the air carrier to provide local or feeder 
                air service;
                    ``(B) scheduled passenger operations the major 
                portion of which is conducted within the State of 
                Hawaii; or
                    ``(C) operations (the major portion of which is 
                conducted either within Alaska or between Alaska and 
                the 48 contiguous States), within the State of Alaska 
                (including service between Alaska and the 48 contiguous 
                States, and between Alaska and adjacent Canadian 
                territory);
            ``(2) any commuter air carrier; or
            ``(3) any intrastate air carrier.
    ``(b) Form, Terms, and Conditions.--A guarantee shall be made under 
subsection (a)--
            ``(1) in such form, on such terms and conditions; and
            ``(2) pursuant to such regulations, as the Secretary 
        considers to be necessary and consistent with this part.
``Sec. 49204. Conditions and limitations
    ``(a) Limitations on Funds.--
            ``(1) In general.--Subject to subsection (d), no loan 
        guarantee shall be made under this part--
            ``(1) extending to more than the unpaid interest and 90 
        percent of the unpaid principal of any loan;
            ``(2) on any loan or combination of loans for more than 90 
        percent of the purchase price of the aircraft, including spare 
        parts, to be purchased with the loan;
            ``(3) on any loan with respect to which terms permit full 
        repayment more than 15 years after the date the loan is made;
            ``(4) in any case in which the total face amount of the 
        loan, and any other loans to the same air carrier, commuter air 
        carrier, or intrastate air carrier or corporate predecessor of 
        that air carrier, commuter air carrier, or intrastate air 
        carrier that are guaranteed and outstanding under the terms of 
        this part exceed $100,000,000.
    ``(b) Conditions for Making Loans.--Subject to subsection (c), the 
Secretary may only make a loan guarantee under this part if the 
Secretary finds that--
            ``(1) the aircraft to be purchased with the loan is a 
        regional jet aircraft needed to improve the service and 
        efficiency of operation of the air carrier, commuter air 
        carrier, or intrastate air carrier;
            ``(2) the air carrier, commuter air carrier, or intrastate 
        air carrier agrees to use the aircraft to provide service to 
        underserved markets; and
            ``(3) the prospective earning power--
                    ``(A) of the applicant air carrier, together with 
                the character and value of the security pledged, 
                furnish--
                            ``(i) reasonable assurances of the ability 
                        of the applicant to repay the loan within the 
                        term for the loan; and
                            ``(ii) reasonable protection to the United 
                        States; and
                    ``(B) of the applicant commuter air carrier or 
                intrastate air carrier, together with the character and 
                value of the security pledged, furnish--
                            ``(i) reasonable assurances of the 
                        applicant's ability and intention to repay the 
                        loan within the term of the loan--
                                    ``(I) to continue its operations as 
                                a commuter air carrier or intrastate 
                                air carrier; and
                                    ``(II) to the extent that the 
                                Secretary determines to be necessary, 
                                to continue its operations as a 
                                commuter air carrier or intrastate air 
                                carrier between the same route or 
                                routes being operated by the applicant 
                                at the time of the loan guarantee; and
                            ``(ii) reasonable protection to the United 
                        States.
    ``(c) Requirement.--Subject to subsection (d), no loan guarantee 
may be made under this part on any loan or combination of loans for the 
purchase of any new turbo-jet-powered aircraft that does not comply 
with the noise standards prescribed for new subsonic aircraft in 
regulations issued by the Secretary, acting through the Administrator 
of the Federal Aviation Administration, contained in 14 CFR part 36, as 
those regulations were in effect on January 1, 1977.
    ``(d) Other Limitations.--
            ``(1) In general.--No loan guarantee shall be made by the 
        Secretary under this part on any loan for the purchase of a 
        regional jet aircraft unless the air carrier, commuter air 
        carrier, or intrastate air carrier agrees that it will provide 
        service to the underserved market for which the aircraft is 
        purchased for a period of not less than 12 consecutive months 
        after the aircraft is placed in service and the air carrier, 
        commuter air carrier, or intrastate air carrier is authorized 
        to provide service to that market.
``Sec. 49205. Fees
    ``The Secretary shall prescribe and collect from a lending 
institution a reasonable guaranty fee in connection with each loan 
guaranteed under this part.
``Sec. 49206. Use of Federal facilities; assistance
    ``(a) Use of Federal Facilities.--To permit the Secretary to make 
use of such expert advice and services as the Secretary may require in 
carrying out this part, the Secretary may use available services and 
facilities of other agencies and instrumentalities of the Federal 
Government--
            ``(1) with the consent of the appropriate Federal 
        officials; and
            ``(2) on a reimbursable basis.
    ``(b) Assistance.--The head of each appropriate department or 
agency of the Federal Government shall exercise the duties and 
functions of that head in such manner as to assist in carrying out the 
policy specified in section 49201.
    ``(c) Oversight.--The Secretary shall make available to the 
Comptroller General of the United States such information with respect 
to the loan guarantee program conducted under this part as the 
Comptroller General may require to carry out the duties of the 
Comptroller General under chapter 7 of title 31, United States Code.
``Sec. 49207. Receipts; payments
    ``(a) Miscellaneous.--Amounts received by the Secretary pursuant to 
this part shall be credited to miscellaneous receipts of the Treasury.
    ``(b) Payments.--Payments to lenders required as a consequence of 
any loan guarantee made under this part may be made from funds 
appropriated pursuant to the authorization under section 3 of the 
Regional Jet Air Service Improvement Act.
    ``(c) Administrative Expenses.--In carrying out this part, the 
Secretary shall use funds made available by appropriations to the 
Department of Transportation for the purpose of administration to cover 
administrative expenses of the loan guarantee program under this part.
``Sec. 49208. Termination
    ``The authority of the Secretary under section 49203 shall 
terminate on the date that is 5 years after the date of enactment of 
the Regional Jet Air Service Improvement Act.''.

SEC. 3. AUTHORIZATION OF APPROPRIATIONS.

    There are authorized to be appropriated such sums as may be 
necessary to carry out part E of subtile VII of title 49, United States 
Code.
[A]:
Regional Jet Air Service Improvement Act - Amends Federal aviation law to authorize the Secretary of Transportation to guarantee loans to certain air carriers, including commuter and intrastate air carriers, for the purchase of regional jet aircraft that provide service to underserved markets.  Sets forth certain requirements with respect to such loans. 
Authorizes the Secretary to use the available services and facilities of other Federal agencies to carry out this Act. 
Authorizes appropriations.