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. LAND CONVEYANCE AND SETTLEMENT, SAN BERNARDINO NATIONAL 
              FOREST, CALIFORNIA.

    (a) Conveyance Required.--Subject to valid existing rights and 
settlement of claims as provided in this section, the Secretary of 
Agriculture shall convey to KATY 101.3 FM (in this section referred to 
as ``KATY'') all right, title and interest of the United States in and 
to a parcel of real property consisting of approximately 1.06 acres 
within the San Bernardino National Forest in Riverside County, 
California, generally located in the north \1/2\ of section 23, 
township 5 south, range 2 east, San Bernardino meridian.
    (b) Legal Description.--The Secretary and KATY shall, by mutual 
agreement, prepare the legal description of the parcel of real property 
to be conveyed under subsection (a), which is generally depicted as 
Exhibit A-2 in an appraisal report of the subject parcel dated August 
26, 1999, by Paul H. Meiling.
    (c) Consideration.--Consideration for the conveyance under 
subsection (a) shall be equal to the appraised fair market value of the 
parcel of real property to be conveyed. Any appraisal to determine the 
fair market value of the parcel shall be prepared in conformity with 
the Uniform Appraisal Standards for Federal Land Acquisition and 
approved by the Secretary.
    (d) Settlement.--In addition to the consideration referred to in 
subsection (c), upon the receipt of $16,600 paid by KATY to the 
Secretary, the Secretary shall release KATY from any and all claims of 
the United States arising from the occupancy and use of the San 
Bernardino National Forest by KATY for communication site purposes.
    (e) Access Requirements.--Notwithstanding section 1323(a) of the 
Alaska National Interest Lands Conservation Act (16 U.S.C. 3210(a)) or 
any other law, the Secretary is not required to provide access over 
National Forest System lands to the parcel of real property to be 
conveyed under subsection (a).
    (f) Administrative Costs.--Any costs associated with the creation 
of a subdivided parcel, recordation of a survey, zoning, and planning 
approval, and similar expenses with respect to the conveyance under 
this section, shall be borne by KATY.
    (g) Assumption of Liability.--By acceptance of the conveyance of 
the parcel of real property referred to in subsection (a), KATY, and 
its successors and assigns will indemnify and hold harmless the United 
States for any and all liability to General Telephone and Electronics 
Corporation (also known as ``GTE'') KATY, and any third party that is 
associated with the parcel, including liability for any buildings or 
personal property on the parcel belonging to GTE and any other third 
parties.
    (h) Treatment of Receipts.--All funds received pursuant to this 
section shall be deposited in the fund established under Public Law 90-
171 (16 U.S.C. 484a; commonly known as the Sisk Act), and the funds 
shall remain available to the Secretary, until expended, for the 
acquisition of lands, waters, and interests in land for the inclusion 
in the San Bernardino National Forest.
    (i) Receipts Act Amendment.--The Act of June 15, 1938 (Chapter 
438:52 Stat. 699), as amended by the Acts of May 26, 1944 (58 Stat. 
227), is further amended--
        (1) by striking the comma after the words ``Secretary of 
    Agriculture'';
        (2) by striking the words ``with the approval of the National 
    Forest Reservation Commission established by section 4 of the Act 
    of March 1, 1911 (16 U.S.C. 513),'';
        (3) by inserting the words ``, real property or interests in 
    lands,'' after the word ``lands'' the first time it is used;
        (4) by striking ``San Bernardino and Cleveland'' and inserting 
    ``San Bernardino, Cleveland and Los Angeles'';
        (5) by striking ``county of Riverside'' each place it appears 
    and inserting ``counties of Riverside and San Bernardino'';
        (6) by striking ``as to minimize soil erosion and flood 
    damage'' and inserting ``for National Forest System purposes''; and
        (7) after the ``Provided further, That'', by striking the 
    remainder of the sentence to the end of the paragraph, and 
    inserting ``twelve and one-half percent of the monies otherwise 
    payable to the State of California for the benefit of San 
    Bernardino County under the aforementioned Act of March 1, 1911 (16 
    U.S.C. 500) shall be available to be appropriated for expenditure 
    in furtherance of this Act.''.

SEC. 2. SANTA ROSA AND SAN JACINTO MOUNTAINS NATIONAL MONUMENT 
              CLARIFYING AMENDMENTS.

    The Santa Rosa and San Jacinto Mountains National Monument Act of 
2000 is amended as follows:
        (1) In the second sentence of section 2(d)(1), by striking 
    ``and the Committee on Agriculture, Nutrition, and Forestry''.
        (2) In the second sentence of section 4(a)(3), by striking 
    ``Nothing in this section'' and inserting ``Nothing in this Act''.
        (3) In section 4(c)(1), by striking ``any person, including''.
        (4) In section 5, by adding at the end the following:
    ``(j) Wilderness Protection.--Nothing in this Act alters the 
management of any areas designated as Wilderness which are within the 
boundaries of the National Monument. All such areas shall remain 
subject to the Wilderness Act (16 U.S.C. 1131 et seq.), the laws 
designating such areas as Wilderness, and other applicable laws. If any 
part of this Act conflicts with any provision of those laws with 
respect to the management of the Wilderness areas, such provision shall 
control.''.

SEC. 3. TECHNICAL CORRECTION.

    The Santo Domingo Pueblo Claims Settlement Act of 2000 is amended 
by adding at the end:

``SEC. 7. MISCELLANEOUS PROVISIONS.

    ``(a) Exchange of Certain Lands with New Mexico.--
        ``(1) In general.--Not later than 2 years after the date of the 
    enactment of this Act, the Secretary shall acquire by exchange the 
    State of New Mexico trust lands located in township 16 north, range 
    4 east, section 2, and all interests therein, including 
    improvements, mineral rights and water rights.
        ``(2) Use of other lands.--In acquiring lands by exchange under 
    paragraph (1), the Secretary may utilize unappropriated public 
    lands within the State of New Mexico.
        ``(3) Value of lands.--The lands exchanged under this 
    subsection shall be of approximately equal value, and the Secretary 
    may credit or debit the ledger account established in the 
    Memorandum of Understanding between the Bureau of Land Management, 
    the New Mexico State Land Office, and the New Mexico Commissioner 
    of Public Lands, in order to equalize the values of the lands 
    exchanged.
        ``(4) Conveyance.--
            ``(A) By secretary.--Upon the acquisition of lands under 
        paragraph (1), the Secretary shall convey all title and 
        interest to such lands to the Pueblo by sale, exchange or 
        otherwise, and the Pueblo shall have the exclusive right to 
        acquire such lands.
            ``(B) By pueblo.--Upon the acquisition of lands under 
        subparagraph (A), the Pueblo may convey such land to the 
        Secretary who shall accept and hold such lands in trust for the 
        benefit of the Pueblo.
    ``(b) Other Exchanges of Land.--
        ``(1) In general.--In order to further the purposes of this 
    Act--
            ``(A) the Pueblo may enter into agreements to exchange 
        restricted lands for lands described in paragraph (2); and
            ``(B) any land exchange agreements between the Pueblo and 
        any of the parties to the action referred to in paragraph (2) 
        that are executed not later than December 31, 2001, shall be 
        deemed to be approved.
        ``(2) Lands.--The land described in this paragraph is the land, 
    title to which was at issue in Pueblo of Santo Domingo v. Rael 
    (Civil No. 83-1888 (D.N.M.)).
        ``(3) Land to be held in trust.--Upon the acquisition of lands 
    under paragraph (1), the Pueblo may convey such land to the 
    Secretary who shall accept and hold such lands in trust for the 
    benefit of the Pueblo.
        ``(4) Rule of construction.--Nothing in this subsection shall 
    be construed to limit the provisions of section 5(a) relating to 
    the extinguishment of the land claims of the Pueblo.
    ``(c) Approval of Certain Resolutions.--All agreements, 
transactions, and conveyances authorized by Resolutions 97-010 and C22-
99 as enacted by the Tribal Council of the Pueblo de Cochiti, and 
Resolution S.D. 12-99-36 as enacted by the Tribal Council of the Pueblo 
of Santo Domingo, pertaining to boundary disputes between the Pueblo de 
Cochiti and the Pueblo of Santo Domingo, are hereby approved, including 
the Pueblo de Cochiti's agreement to relinquish its claim to the 
southwest corner of its Spanish Land Grant, to the extent that such 
land overlaps with the Santo Domingo Pueblo Grant, and to disclaim any 
right to receive compensation from the United States or any other party 
with respect to such overlapping lands.''.

                               Speaker of the House of Representatives.

                            Vice President of the United States and    
                                               President of the Senate.

A: Requires the Secretary, upon the receipt of a specified payment by KATY, to release KATY from any and all claims of the United States arising from the occupancy and use of the San Bernardino National Forest by KATY for communication site purposes. Declares that by acceptance of such conveyance, KATY and its successors and assigns, will indemnify and hold harmless the United States for any and all liability to General Telephone and Electronics Corporation (GTE), KATY, and any third party that is associated with such parcel, including liability for any buildings or personal property on it belonging to GTE and any other third parties. Requires all funds received pursuant to this Act to be deposited in the fund established under the Sisk Act, and to remain available to the Secretary for the acquisition of lands, waters, and interests in land for inclusion in the San Bernardino National Forest.
Amends a certain receipts Act to: (1) authorize the Secretary to acquire by purchase lands, real property or interests in lands within the boundaries of the San Bernardino, Cleveland, and Los Angeles National Forests California; (2) require such lands, real property or interests to be managed for National Forest System purposes; and (3) provide for a specified percentage of the monies otherwise payable to California for the benefit of San Bernardino County to be available to be appropriated for expenditure in furtherance of such Act.
(Sec. 2) Amends the Santa Rosa and San Jacinto Mountains National Monument Act of 2000 to: (1) eliminate the requirement that the Secretary of the Interior submit legal descriptions of the boundaries of the National Monument to the Senate Committee on Agriculture, Nutrition, and Forestry; and (2) allow the Secretaries of Agriculture and the Interior to enter into certain cooperative agreements and shared management arrangements with the Agua Caliente Band of Cahuilla Indians (currently with any person, including such Indians).
(Sec. 3) Amends the Santo Domingo Pueblo Claims Settlement Act of 2000 to direct the Secretary of the Interior to acquire by exchange specified New Mexico trust lands and interests, including improvements, mineral rights, and water rights.
Requires the Secretary to convey such lands to the Pueblo of Santo Domingo and grants the Pueblo the exclusive right to acquire such lands.
Permits the Pueblo to enter into agreements to exchange restricted lands for lands title to which was at issue in Pueblo of Santo Domingo v. Rael and deems to be approved any land exchange agreements between the Pueblo and any of the parties to such action that are executed not later than December 31, 2001.
Approves all agreements, transactions, and conveyances authorized by specified boundary dispute resolutions as enacted by the Tribal Council of the Pueblo de Cochiti and the Tribal Council of the Pueblo.
****
Q: SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Justice for Victims of Fraud Act of 
2016''.

SEC. 2. FINDINGS.

    The Congress finds the following:
            (1) The Bureau of Consumer Financial Protection found that 
        Wells Fargo management implemented sales incentives, including 
        an incentive-compensation program, in part to increase the 
        number of banking products and services that its employees sold 
        to its customers.
            (2) The Bureau of Consumer Financial Protection found that 
        Wells Fargo employees engaged in improper sales practices to 
        satisfy sales goals under Wells Fargo's incentive compensation 
        program, including opening as many as 1,534,280 checking 
        accounts and 565,443 credit card accounts using consumers' 
        information without their knowledge or consent between May 2011 
        and July 2015.
            (3) Wells Fargo successfully claimed in Jabbari v. Wells 
        Fargo that customers had signed away their rights to hold Wells 
        Fargo accountable in court for claims of fraud because those 
        customers were bound to a forced arbitration clause for their 
        legitimate accounts.
            (4) After Wells Fargo publicly entered a settlement with 
        Federal regulators for the opening of thousands of unauthorized 
        customer accounts, Wells Fargo claimed in Mitchell et. al. v. 
        Wells Fargo et. al. that customers' fraud claims must continue 
        to be forced into arbitration.
            (5) Several courts have determined that despite claims of 
        fraud over unauthorized accounts opened without customer 
        knowledge or consent, those customers are still bound by 
        contracts forcing those claims into arbitration based on the 
        courts' interpretation of the Federal Arbitration Act.
            (6) The Federal Arbitration Act (now codified as chapter 1 
        of title 9, United States Code) was intended to apply to 
        disputes between commercial entities of generally similar 
        sophistication and bargaining power, but a series of decisions 
        by the Supreme Court of the United States have interpreted the 
        Federal Arbitration Act as applicable to claims of fraud.
            (7) Consumers have no meaningful choice whether to submit 
        their claims to arbitration and are typically unaware that they 
        have given up their rights to file claims in court.

SEC. 3. ARBITRATION OF CONSUMER DISPUTES RELATED TO CREDIT CARD 
              ACCOUNTS.

    Chapter 2 of the Truth in Lending Act (15 U.S.C. 1631 et seq.) is 
amended by adding at the end the following (and the table of contents 
for such chapter is conformed accordingly):
``Sec. 140B. Validity and enforceability
    ``(a) Definitions.--In this section--
            ``(1) the term `covered dispute' means a dispute that is 
        not subject to a final judgment by a court; and
            ``(2) the term `predispute arbitration agreement' means any 
        agreement between a person and a consumer providing for 
        arbitration of any future dispute between the parties.
    ``(b) Validity and Enforceability.--No predispute arbitration 
agreement shall be valid or enforceable in a covered dispute that is 
related to a credit card that was not issued in response to a request 
or application for that credit card account.
    ``(c) Applicability.--The applicability of this section to a 
predispute arbitration agreement shall be determined by a State or 
Federal court of competent jurisdiction.''.

SEC. 4. ARBITRATION OF CONSUMER DISPUTES RELATED TO COVERED ACCOUNTS.

    The Electronic Fund Transfer Act (15 U.S.C. 1693 et seq.) is 
amended by inserting after section 920 (15 U.S.C. 1693o-2) the 
following:

``SEC. 920A. VALIDITY AND ENFORCEABILITY.

    ``(a) Definitions.--In this section--
            ``(1) the term `covered account'--
                    ``(A) means a demand deposit, savings deposit, or 
                other asset account (other than an occasional or 
                incidental credit balance in an open end credit plan as 
                defined in section 103(i)), as described in regulations 
                of the Bureau, established primarily for personal, 
                family, or household purposes, including demand 
                accounts, time accounts, negotiable order of withdrawal 
                accounts, and share draft accounts; and
                    ``(B) does not include an account held by a 
                financial institution pursuant to a bona fide trust 
                agreement;
            ``(2) the term `covered dispute' means a dispute that is 
        not subject to a final judgment by a court; and
            ``(3) the term `predispute arbitration agreement' means any 
        agreement between a financial institution and a consumer 
        providing for arbitration of any future dispute between the 
        parties.
    ``(b) Validity and Enforceability.--No predispute arbitration 
agreement shall be valid or enforceable in a covered dispute that is 
related to a covered account that was not issued in response to a 
request or application for that covered account.
    ``(c) Applicability.--The applicability of this section to a 
predispute arbitration agreement shall be determined by a State or 
Federal court of competent jurisdiction.''.

SEC. 5. RULE OF CONSTRUCTION.

    Nothing in the amendments made by this Act shall be construed--
            (1) to authorize the imposition of a requirement to submit 
        a dispute to arbitration; or
            (2) to restrict any court from ruling that a requirement to 
        submit a dispute to arbitration is invalid or unenforceable.

A: Justice for Victims of Fraud Act of 2016 This bill amends the Truth in Lending Act and the Electronic Fund Transfer Act to prohibit predispute arbitration agreements with consumers (i.e., agreements to arbitrate any future disputes between parties instead of pursuing the claims in court) from being valid or enforceable in disputes related to credit card accounts or personal bank accounts that are not subject to a final judgment by a court if the credit card or bank account was not issued in response to a request or application for that account.  The bill excludes from this prohibition accounts held by a financial institution pursuant to a bona fide trust agreement.
****
Q: SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Investing in America's Small 
Businesses Act of 2017''.

SEC. 2. FINDINGS.

    The Congress finds the following:
            (1) Small businesses in underserved areas have for 
        generations been unable to access affordable credit.
            (2) A 2013 report commissioned by the U.S. Small Business 
        Administration shows the major constraint limiting the growth, 
        expansion, and wealth creation of small firms--especially 
        women- and minority-owned businesses--is inadequate capital.
            (3) Small businesses revitalize communities by creating 
        jobs, and also contribute to the local tax base, which helps 
        finance investments in schools, hospitals, infrastructure, and 
        public safety.
            (4) A 2015 report from the Carsey School of Public Policy 
        at the University of New Hampshire found that 79 percent of 
        CDFI loan volume went to borrowers from underserved 
        populations.
            (5) During the financial crisis, CDFI loan funds expanded 
        their activity to meet increased demand from borrowers that 
        could not access traditional lending. From 2006 to 2009, the 
        median fund deployment ratio grew 3.1 percent annually.
            (6) After Superstorm Sandy, CDFIs launched disaster 
        recovery loan programs and reached out to affected businesses 
        and organizations to provide credit to help grocery stores and 
        social service organizations re-open to help communities in 
        need.
            (7) A 2014 report by the Dardin School of Business at the 
        University of Virginia found that despite serving predominately 
        low-income markets, CDFI banks and credit unions had virtually 
        the same level of performance as mainstream financial 
        institutions.

SEC. 3. GRANTS TO ESTABLISH LOAN-LOSS RESERVE FUNDS FOR SMALL BUSINESS 
              LENDING.

    (a) In General.--The Community Development Banking and Financial 
Institutions Act of 1994 (12 U.S.C. 4701 et seq.) is amended by adding 
at the end the following:

``SEC. 123. GRANTS TO ESTABLISH LOAN-LOSS RESERVE FUNDS FOR SMALL 
              BUSINESS LENDING.

    ``(a) Purposes.--The purposes of this section are--
            ``(1) to make financial assistance available from the Fund 
        in order to help community development financial institutions 
        defray the costs of operating small business loan programs, by 
        providing the amounts necessary for such institutions to 
        establish their own loan loss reserve funds to mitigate some of 
        the losses on such small business loan programs;
            ``(2) to encourage community development financial 
        institutions to establish and maintain small business loan 
        programs that would help provide borrowers access to mainstream 
        financial institutions and combat high cost small business 
        lending; and
            ``(3) to encourage community development financial 
        institutions to expand the development services they offer and 
        to serve new investment areas and new targeted populations.
    ``(b) Grants.--
            ``(1) Loan-loss reserve fund grants.--
                    ``(A) In general.--The Fund shall make grants to 
                community development financial institutions to enable 
                such institutions to establish a loan-loss reserve fund 
                in order to defray the costs of a small business loan 
                program established or maintained by such institution.
                    ``(B) Application.--A community development 
                financial institution that wishes to receive a grant 
                under this paragraph shall submit an application to the 
                Administrator in such form and manner and containing 
                such information as the Administrator may require.
                    ``(C) Matching requirement.--A community 
                development financial institution shall provide non-
                Federal matching funds in an amount equal to 50 percent 
                of the amount of any grant received under this 
                paragraph.
                    ``(D) Use of funds.--Any grant amounts received by 
                a community development financial institution under 
                this paragraph--
                            ``(i) may not be used by such institution 
                        to provide direct loans to small businesses;
                            ``(ii) may be used by such institution to 
                        help recapture a portion or all of a defaulted 
                        loan made under the small business loan program 
                        of such institution on or after the date of the 
                        enactment of this section; and
                            ``(iii) may be used to designate and 
                        utilize a fiscal agent for services normally 
                        provided by such an agent.
            ``(2) Technical assistance grants.--
                    ``(A) In general.--The Fund shall make technical 
                assistance grants to community development financial 
                institutions to create, support, or maintain a small 
                business loan program. Any grant amounts received under 
                this paragraph may be used for--
                            ``(i) technology, staff support, staff 
                        capacity building, and other costs associated 
                        with establishing, supporting, or maintaining a 
                        small business loan program; and
                            ``(ii) establishing, supporting, or 
                        maintaining technical assistance programs for 
                        borrowers.
                    ``(B) Application.--A community development 
                financial institution that wishes to receive a grant 
                under this paragraph shall submit an application to the 
                Administrator in such form and manner and containing 
                such information as the Administrator may require.
    ``(c) Reports.--For each fiscal year for which grants are made 
under this section, the Administrator shall submit a report to the 
Committee on Financial Services of the House of Representatives and the 
Committee on Banking, Housing, and Urban Affairs of the Senate 
containing a description of the activities funded and amounts 
distributed under this section for such fiscal year, as well as 
measurable results of such actions.
    ``(d) Authorization of Appropriations.--
            ``(1) In general.--There are authorized to be appropriated 
        to the Fund $25,000,000 for each of fiscal years 2018 to 2023 
        to carry out this section.
            ``(2) Administrative costs.--There are authorized to be 
        appropriated to the Fund $2,000,000 for each of fiscal years 
        2018 to 2023 for the administrative costs of carrying out this 
        section.
    ``(e) Definitions.--For purposes of this section:
            ``(1) Small business.--The term `small business' has the 
        meaning given the term `small business concern' under section 
        3(a) of the Small Business Act (15 U.S.C. 632(a)).
            ``(2) Small business loan program.--The term `small 
        business loan program' means a loan program wherein a community 
        development financial institution offers loans to small 
        businesses that--
                    ``(A) are made in amounts not exceeding $50,000;
                    ``(B) have no pre-payment penalty; and
                    ``(C) meet any other affordability requirements as 
                may be established by the Administrator.''.
    (b) Conforming Amendment.--The table of contents for the Riegle 
Community Development and Regulatory Improvement Act of 1994 is amended 
by inserting after the item relating to section 121 the following:

``Sec. 122. Grants to establish loan-loss reserve funds.
``Sec. 123. Grants to establish loan-loss reserve funds for small 
                            business lending.''.

A:
Investing in America's Small Businesses Act of 2017 This bill amends the Community Development Banking and Financial Institutions Act of 1994 to require the Community Development Financial Institutions Fund to make grants to community development financial institutions for: (1)&nbsp;the establishment of loan-loss reserve funds to defray the costs of small business lending, and (2) related technical assistance. A community development financial institution must provide nonfederal matching funds equal to 50% of the amount of any grant received. A grantee may not&nbsp;use grant funds to make direct loans to small businesses.
****