In this task, you are given text for US Congressional and California state bills, your task is to generate a summary for this bill.
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Question: SECTION 1. ELIGIBILITY FOR PAYMENT OF BOTH RETIRED PAY AND VETERANS' 
              DISABILITY COMPENSATION FOR CERTAIN ADDITIONAL MILITARY 
              RETIREES WITH COMPENSABLE SERVICE-CONNECTED DISABILITIES.

    (a) Extension of Concurrent Receipt Authority to Retirees With 
Service-Connected Disabilities Rated Less Than 50 Percent.--Subsection 
(a) of section 1414 of title 10, United States Code, is amended--
            (1) by striking ``Compensation'' in the subsection heading 
        and all that follows through ``Subject'' and inserting 
        ``Compensation.--Subject''; and
            (2) by striking paragraph (2).
    (b) Repeal of Phase-In of Concurrent Receipt of Retired Pay and 
Veterans' Disability Compensation.--Such section is further amended--
            (1) in subsection (a), as amended by subsection (a) of this 
        section, by striking the final sentence;
            (2) by striking subsection (c) and redesignating 
        subsections (d) and (e) as subsections (c) and (d), 
        respectively; and
            (3) in subsection (d), as so redesignated, by striking 
        paragraphs (3) and (4).
    (c) Clerical Amendments.--
            (1) Section heading.--The heading for section 1414 of such 
        title is amended to read as follows:
``Sec. 1414. Members eligible for retired pay who are also eligible for 
              veterans' disability compensation: concurrent payment of 
              retired pay and disability compensation''.
            (2) Table of sections.--The item relating to such section 
        in the table of sections at the beginning of chapter 71 of such 
        title is amended to read as follows:

``1414. Members eligible for retired pay who are also eligible for 
                            veterans' disability compensation: 
                            concurrent payment of retired pay and 
                            disability compensation.''.
    (d) Effective Date.--The amendments made by this section shall take 
effect as of January 1, 2012, and shall apply to payments for months 
beginning on or after that date.

SEC. 2. COORDINATION OF SERVICE ELIGIBILITY FOR COMBAT-RELATED SPECIAL 
              COMPENSATION AND CONCURRENT RECEIPT.

    (a) Eligibility for TERA Retirees.--Subsection (c) of section 1413a 
of title 10, United States Code, is amended by striking ``entitled to 
retired pay who--'' and all that follows through the end of paragraph 
(1) and inserting ``who--
            ``(1) is entitled to retired pay, other than a member 
        retired under chapter 61 of this title with less than 20 years 
        of service creditable under section 1405 of this title and less 
        than 20 years of service computed under section 12732 of this 
        title; and''.
    (b) Amendments To Standardize Similar Provisions.--
            (1) Clerical and conforming amendments.--Section 1413a of 
        such title is further amended--
                    (A) in the heading for paragraph (3) of subsection 
                (b), by striking ``rules'' and inserting ``rule''; and
                    (B) in subsection (f), by striking ``Subsection 
                (d)'' and inserting ``Subsection (c)''.
            (2) Specification of qualified retirees for concurrent 
        receipt purposes.--Section 1414 of such title, as amended by 
        section 3, is amended--
                    (A) in subsection (a)--
                            (i) by striking ``a member or'' and all 
                        that follows through ``is entitled'' and 
                        inserting ``an individual who is a qualified 
                        retiree for any month is entitled''; and
                            (ii) by inserting ``retired pay and 
                        veterans' disability compensation'' after 
                        ``both''; and
                    (B) in subsection (d), by adding at the end the 
                following new paragraph:
            ``(3) Qualified retiree.--The term `qualified retiree' 
        means a member or former member of the uniformed services who, 
        with respect to any month--
                    ``(A) is entitled to retired pay, other than in the 
                case of a member retired under chapter 61 of this title 
                with less than 20 years of service creditable under 
                section 1405 of this title and less than 20 years of 
                service computed under section 12732 of this title; and
                    ``(B) is entitled to veterans' disability 
                compensation.''.
            (3) Standardization with crsc rule for chapter 61 
        retirees.--Subsection (b) of section 1414 of such title is 
        amended--
                    (A) by striking ``Special Rules'' in the subsection 
                heading and all that follows through ``is subject to'' 
                and inserting ``Special Rule for Chapter 61 Disability 
                Retirees.--In the case of a qualified retiree who is 
                retired under chapter 61 of this title, the retired pay 
                of the member is subject to''; and
                    (B) by striking paragraph (2).
    (c) Effective Date.--The amendments made by this section shall take 
effect as of January 1, 2012, and shall apply to payments for months 
beginning on or after that date.

SEC. 3. REPEAL OF REQUIREMENT OF REDUCTION OF SBP SURVIVOR ANNUITIES BY 
              DEPENDENCY AND INDEMNITY COMPENSATION.

    (a) Repeal.--
            (1) Repeal.--Subchapter II of chapter 73 of title 10, 
        United States Code, is amended as follows:
                    (A) In section 1450, by striking subsection (c).
                    (B) In section 1451(c)--
                            (i) by striking paragraph (2); and
                            (ii) by redesignating paragraphs (3) and 
                        (4) as paragraphs (2) and (3), respectively.
            (2) Conforming amendments.--Such subchapter is further 
        amended as follows:
                    (A) In section 1450--
                            (i) by striking subsection (e); and
                            (ii) by striking subsection (k).
                    (B) In section 1451(g)(1), by striking subparagraph 
                (C).
                    (C) In section 1452--
                            (i) in subsection (f)(2), by striking 
                        ``does not apply--'' and all that follows and 
                        inserting ``does not apply in the case of a 
                        deduction made through administrative error.''; 
                        and
                            (ii) by striking subsection (g).
                    (D) In section 1455(c), by striking ``, 
                1450(k)(2),''.
    (b) Prohibition on Retroactive Benefits.--No benefits may be paid 
to any person for any period before the effective date provided under 
subsection (f) by reason of the amendments made by subsection (a).
    (c) Prohibition on Recoupment of Certain Amounts Previously 
Refunded to SBP Recipients.--A surviving spouse who is or has been in 
receipt of an annuity under the Survivor Benefit Plan under subchapter 
II of chapter 73 of title 10, United States Code, that is in effect 
before the effective date provided under subsection (f) and that is 
adjusted by reason of the amendments made by subsection (a) and who has 
received a refund of retired pay under section 1450(e) of title 10, 
United States Code, shall not be required to repay such refund to the 
United States.
    (d) Repeal of Authority for Optional Annuity for Dependent 
Children.--Section 1448(d)(2) of such title is amended--
            (1) by striking ``Dependent children.--'' and all that 
        follows through ``In the case of a member described in 
        paragraph (1),'' and inserting ``Dependent children.--In the 
        case of a member described in paragraph (1),''; and
            (2) by striking subparagraph (B).
    (e) Restoration of Eligibility for Previously Eligible Spouses.--
The Secretary of the military department concerned shall restore 
annuity eligibility to any eligible surviving spouse who, in 
consultation with the Secretary, previously elected to transfer payment 
of such annuity to a surviving child or children under the provisions 
of section 1448(d)(2)(B) of title 10, United States Code, as in effect 
on the day before the effective date provided under subsection (f). 
Such eligibility shall be restored whether or not payment to such child 
or children subsequently was terminated due to loss of dependent status 
or death. For the purposes of this subsection, an eligible spouse 
includes a spouse who was previously eligible for payment of such 
annuity and is not remarried, or remarried after having attained age 
55, or whose second or subsequent marriage has been terminated by 
death, divorce or annulment.
    (f) Effective Date.--This section and the amendments made by this 
section shall take effect on the later of--
            (1) October 1, 2011; or
            (2) the first day of the first month that begins after the 
        date of the enactment of this Act.

SEC. 4. ELIMINATION OF FISCAL YEAR LIMITATION IN CONSIDERING ACTIVE 
              DUTY AND ACTIVE SERVICE FOR EARLY ELIGIBILITY FOR RECEIPT 
              OF NON-REGULAR SERVICE RETIRED PAY.

    (a) Consideration of 90-Day Periods of Service.--Section 
12731(f)(2)(A) of title 10, United States Code, is amended by striking 
``below 60 years of age by three months for each aggregate of 90 days 
on which such person so performs in any fiscal year after such date, 
subject to subparagraph (C)'' and inserting ``, subject to subparagraph 
(C), below 60 years of age by three months for each aggregate of 90 
days on which such person serves on such active duty or performs such 
active service after such date''.
    (b) Retroactive Effective Date.--The amendment made by subsection 
(a) shall take effect as of January 28, 2008, and as if included in the 
National Defense Authorization Act for Fiscal Year 2008 (Public Law 
110-181) as enacted.

Answer: Allows the receipt of both military retired pay and veterans' disability compensation with respect to any service-connected disability (under current law, only a disability rated at 50% or more). Repeals provisions phasing in the full concurrent receipt of such pay through December 31, 2013.

Makes eligible for the full concurrent receipt of both veterans' disability compensation and either military retired pay or combat-related special pay those individuals who were retired or separated from military service due to a service-connected disability.

Repeals certain provisions which require the offset of amounts paid in dependency and indemnity compensation from Survivor Benefit Plan (SBP) annuities for the surviving spouses of former military personnel who are entitled to military retired pay or who would be entitled to retired pay except for being under 60 years of age.

Prohibits requiring repayment of certain amounts previously paid to SBP recipients in the form of a retired pay refund.

Repeals the optional authority of (and instead requires) the Secretary of the military department concerned to pay an annuity to a member's dependent children when there is no eligible surviving spouse.

Directs the Secretary concerned to restore annuity eligibility to a surviving spouse who earlier agreed to transfer such eligibility to a surviving child or children of a member.

Removes the requirement that days of active duty or active service used to reduce the minimum age at which a member of the reserves may retire for non-regular (reserve) service must occur in the same fiscal year.


Question: 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.

Answer: 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.


Question: SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Violent and Repeat Offender 
Accountability Act of 1993''.

SEC. 2. FINDINGS AND PURPOSE.

    (a) Findings.--The Congress finds that--
            (1) it is the responsibility of the Federal Government to 
        provide States help in certain areas, including efforts to 
        reduce violent crime;
            (2) Federal legislation relating to criminal justice, 
        including the Racketeer Influenced and Corrupt Organizations 
        Act (``RICO'') and the Federal Sentencing Guidelines, has been 
        very effective in dealing with crimes to which the legislation 
        applies;
            (3) the responsibility for protecting citizens against most 
        violent crimes and for punishing most violent criminal 
        offenders is primarily a matter of State and local governance;
            (4) violent crimes nationwide have risen dramatically and 
        constitute a national priority of the highest order;
            (5) the persistence and increasing incidence of violent 
        crime, despite the efforts of State and local governments, has 
        resulted in a vastly increased Federal role in this area, and 
        there is pressure for even greater Federal involvement in 
        criminal matters traditionally handled by State and local 
        governments;
            (6) the Federal courts especially have become overburdened 
        with criminal matters more properly handled by State and local 
        governments;
            (7) a major impetus for this increased Federal role in 
        combating violent crime is the lack of effective tools with 
        which State and local governments can prosecute violent 
        criminal offenders;
            (8) a more uniform, proportionate, and appropriately 
        punitive system of sentencing for violent criminal offenders 
        would serve both to reduce the incidence of violent crime and 
        to reduce the need for direct Federal involvement in criminal 
        matters traditionally handled by State and local governments;
            (9) a more appropriate and effective role for the Federal 
        Government in the struggle against most violent crime is to 
        encourage each State to take the steps necessary to reduce 
        crime in such State which would also reduce the national crime 
        rate;
            (10) the United States Sentencing Guidelines have proven to 
        be an effective means of achieving, at the Federal level, a 
        more uniform, proportionate, and appropriately punitive 
        criminal sentencing system; and
            (11) each State should be required to analyze its criminal 
        sentencing system and to consider whether the adoption of a 
        revised sentencing system would enable it to combat violent 
        crime more effectively.
    (b) Purposes.--The purposes of this Act are--
            (1) to require each State to undertake a comprehensive 
        examination of the State's criminal sentencing scheme and to 
        create a sentencing system which more effectively governs the 
        sentencing of violent offenders; and
            (2) to provide funds to States that comply with the 
        requirements of section 5(b) to implement necessary changes to 
        the State criminal sentencing system, including increasing the 
        capacity of State correctional facilities if necessary.

SEC. 3. DEFINITION.

    For the purpose of this Act, the term ``State'' means any State of 
the United States.

SEC. 4. STATE SENTENCING REVIEWS.

    (a) In General.--Each State, in order to be eligible for funds 
under this Act, must conduct a systematic review of its criminal 
sentencing laws and practices.
    (b) State Sentencing Reviews.--Not later than one year after the 
date of enactment of this Act, the government of each State shall 
submit to the Attorney General a report detailing the results of the 
State's review of its criminal sentencing system. The report also shall 
include the following:
            (1) An analysis of the State statutory criminal sentencing 
        scheme, including information regarding murder (all degrees), 
        arson, burglary, assault, robbery, kidnapping, extortion, rape, 
        and child molestation. This analysis should include--
                    (A) the minimum and maximum sentence available for 
                each offense;
                    (B) the basis for distinguishing between different 
                degrees of the same offense;
                    (C) whether factors in addition to the actual crime 
                (such as criminal history, victim impact, or use of a 
                weapon) should be considered by the sentencing 
                authority; and
                    (D) whether probation or some other non-custodial 
                alternatives to incarceration are a sentencing option.
            (2) An analysis of the sentences actually imposed by State 
        court judges for the crimes listed in paragraph (1).
            (3) An analysis of the time which has actually been served 
        for the conviction of crimes listed in paragraph (1).
            (4) An analysis of the practices and procedures of the 
        State relating to probation, parole, and other alternatives to 
        incarceration, with particular emphasis on crimes which have 
        been committed by convicted criminals while on parole or 
        probation or otherwise not incarcerated.
            (5) An analysis of whether the State sentencing system 
        permits or requires the sentencing authority to order convicted 
        criminals to pay restitution to the victim, the victim's 
        family, or the State, and the percentage of restitution orders 
        which are actually collected.
            (6) An analysis of whether and under what circumstances 
        State law permits the pretrial detention without bond of 
        dangerous offenders.
            (7) An analysis of whether and under what circumstances 
        State law gives victims the right to be informed, present, and 
        heard at all critical stages of a case from arrest through 
        parole.
            (8) An analysis of whether and how State law establishes 
        post conviction relief procedures which limit repetitive 
        challenges by convicted offenders.
            (9) An analysis of State law regarding the application of 
        adult sentencing laws to juvenile offenders charged with the 
        crimes listed in section 4(b)(1) of this Act.
            (10) An analysis of the State prison capacity and whether 
        court orders limit, or otherwise impact such capacity and 
        whether a lack of capacity impacts sentencing or release 
        decisions at the judicial or administrative level.

SEC. 5. STATE SENTENCING SYSTEMS.

    (a) In General.--Each State, in order to comply with this Act, must 
submit for approval a plan to the Attorney General that evaluates the 
criminal sentencing system and, if necessary, creates a sentencing 
system which complies with the requirements of subsection (b).
    (b) State Sentencing System.--In addition to responding to the 
reporting requirement of section 4(b) of this Act, the State, in a 
subsequent report to the Attorney General, shall describe in detail any 
changes in the State's criminal sentencing system designed to meet the 
requirements of this Act. The elements of a sentencing system that the 
States must have in order to be in compliance with this Act shall 
include at least the following:
            (1) State constitutional or statutory authority for 
        pretrial detention of dangerous criminals.
            (2) Mandatory minimum prison sentences, which do not allow 
        probation or suspension of sentence, for violent offenders or 
        repeat offenders who--
                    (A) intentionally or knowingly inflict serious 
                physical injury;
                    (B) use or exhibit deadly weapons in the commission 
                of the crimes listed in section 4(b)(1) of this Act.
                    (C) commit violent or sexual offenses against 
                children; and
                    (D) commit sexual assault.
            (3) Mandatory life sentence with no release for third or 
        subsequent conviction of violent crime.
            (4) Truth in sentencing provisions which restrict parole, 
        good-time credit release for violent offenders, or other forms 
        of early release to not more than a total reduction of 15 
        percent of the sentence imposed.
            (5) State constitutional or statutory provisions which 
        guarantee to victims the right to be informed, present, and 
        heard at all critical stages of the criminal case, and 
        provisions to ensure the collection, tracking, and enforcement 
        of restitution from the offender in all cases involving 
        economic loss to the victim.

SEC. 6. FUNDING AND COMPLIANCE.

    (a) Funding.--There shall be available to carry out the purposes of 
this Act, for fiscal year 1994, $1,000,000; for fiscal year 1995, 
$1,500,000; for fiscal year 1996, $2,000,000; for fiscal year 1997, 
$2,500,000; and for fiscal year 1998, $3,000,000; from amounts 
appropriated for foreign operations during such fiscal years 
(specifically from the amounts allocated for the Multilateral 
Development Banks, the International Development Association, the 
Agency for International Development, Public Law 83-480, and the 
Export-Import Development Bank) and from amounts appropriated from 
Federal land purchases and from amounts appropriated for trade 
promotion activities and travel and tourism activities.
    (b) Federal Share.--The Federal share of a grant made under this 
Act may not exceed 50 percent of the total costs of the projects which 
receive funds under this Act.
    (c) Compliance.--Beginning 3 years after the date of enactment of 
this Act, the Attorney General shall eliminate funding to a State that 
does not comply with the requirements of this Act.

Answer:
Violent and Repeat Offender Accountability Act of 1993 - Requires each State, to be eligible for funds under this Act, to conduct and report to the Attorney General on a systematic review of its criminal sentencing laws and practices, including analyses related to:  (1) the State statutory criminal sentencing scheme; (2) sentences actually imposed for specified crimes; (3) time actually served; (4) practices and procedures relating to probation, parole, and other alternatives to incarceration; (5) restitution; (6) pretrial detention; (7) victims rights; (8) post-conviction relief procedures; (9) application of adult sentencing laws to juvenile offenders; and (10) prison capacity. 
Directs each State to submit to the Attorney General for approval a plan that evaluates the criminal sentencing system and, if necessary, creates a sentencing system which provides for:  (1) State constitutional or statutory authority for pretrial detention of dangerous criminals; (2) mandatory minimum prison sentences which do not allow probation or suspension of sentence, for certain violent or repeat offenders; (3) mandatory life sentence with no release for a third or subsequent conviction of a violent crime; (4) provisions which restrict parole, good-time credit release for violent offenders, or other early release to not more than a total reduction of 15 percent of the sentence imposed; and (5) State constitutional or statutory provisions which guarantee victims the right to be informed, present, and heard at all critical stages of the criminal case, and to ensure the collection, tracking, and enforcement of restitution from the offender in all cases involving economic loss to the victim. 
Makes funds available for this Act from amounts appropriated for foreign operations, for trade promotion, travel, and tourism activities, and for Federal land purchases. 
Limits the Federal share of grants made under this Act to 50 percent of total project costs.