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


question:
SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Protecting Student Athletes From 
Concussions Act of 2017''.

SEC. 2. MINIMUM STATE REQUIREMENTS.

    Part F of title VIII of the Elementary and Secondary Education Act 
of 1965 (20 U.S.C. 7881 et seq.) is amended by adding at the end the 
following:

  ``Subpart 6--State Requirements for the Prevention and Treatment of 
                              Concussions

``SEC. 8581. MINIMUM STATE REQUIREMENTS.

    ``(a) In General.--Beginning fiscal year 2019, as a condition of 
receiving funds under this Act for a fiscal year, a State shall, not 
later than July 1 of the preceding fiscal year, certify to the 
Secretary in accordance with subsection (b) that the State has in 
effect and is enforcing a law or regulation that, at a minimum, 
establishes the following requirements:
            ``(1) Local educational agency concussion safety and 
        management plan.--Each local educational agency in the State 
        (including each charter school that is considered a local 
        educational agency under State law), in consultation with 
        members of the community in which the local educational agency 
        is located, shall develop and implement a standard plan for 
        concussion safety and management for public schools served by 
        the local educational agency that includes--
                    ``(A) the education of students, parents, and 
                school personnel about concussions, including--
                            ``(i) the training of school personnel on 
                        evidence-based concussion safety and 
                        management, including on prevention, 
                        recognition, risk, academic consequences, and 
                        response for both initial and any subsequent 
                        concussions; and
                            ``(ii) using, maintaining, and 
                        disseminating to students and parents release 
                        forms, treatment plans, observation, 
                        monitoring, and reporting forms, recordkeeping 
                        forms, and post-injury and prevention fact 
                        sheets about concussions;
                    ``(B) supports for each student recovering from a 
                concussion, including--
                            ``(i) guiding the student in resuming 
                        participation in school-sponsored athletic 
                        activities and academic activities with the 
                        help of a multidisciplinary concussion 
                        management team, which shall include--
                                    ``(I) a health care professional, 
                                the parents of such student, and other 
                                relevant school personnel; and
                                    ``(II) an individual who is 
                                assigned by the public school in which 
                                the student is enrolled to oversee and 
                                manage the recovery of the student;
                            ``(ii) providing appropriate academic 
                        accommodations aimed at progressively 
                        reintroducing cognitive demands on such a 
                        student; and
                            ``(iii) if the student's symptoms of 
                        concussion persist for a substantial period of 
                        time--
                                    ``(I) evaluating the student in 
                                accordance with section 614 of the 
                                Individuals with Disabilities Education 
                                Act (20 U.S.C. 1414) to determine 
                                whether the student is eligible for 
                                services under part B of such Act (20 
                                U.S.C. 1411 et seq.); or
                                    ``(II) evaluating whether the 
                                student is eligible for services under 
                                section 504 of the Rehabilitation Act 
                                of 1973 (29 U.S.C. 794); and
                    ``(C) best practices designed to ensure, with 
                respect to concussions, the uniformity of safety 
                standards, treatment, and management, including--
                            ``(i) disseminating information on 
                        concussion safety and management to the public; 
                        and
                            ``(ii) applying best practice and uniform 
                        standards for concussion safety and management 
                        to all students enrolled in the public schools 
                        served by the local educational agency.
            ``(2) Posting of information on concussions.--Each public 
        school in the State shall post on school grounds, in a manner 
        that is visible to students and school personnel, and make 
        publicly available on the school website, information on 
        concussions that--
                    ``(A) is based on peer-reviewed scientific evidence 
                or consensus (such as information made available by the 
                Centers for Disease Control and Prevention);
                    ``(B) shall include--
                            ``(i) the risks posed by sustaining a 
                        concussion or multiple concussions;
                            ``(ii) the actions a student should take in 
                        response to sustaining a concussion, including 
                        the notification of school personnel; and
                            ``(iii) the signs and symptoms of a 
                        concussion; and
                    ``(C) may include--
                            ``(i) the definition of a concussion under 
                        section 8582(1);
                            ``(ii) the means available to the student 
                        to reduce the incidence or recurrence of a 
                        concussion; and
                            ``(iii) the effects of a concussion on 
                        academic learning and performance.
            ``(3) Response to a concussion.--If any school personnel of 
        a public school in the State suspect that a student has 
        sustained a concussion during a school-sponsored athletic 
        activity or other school-sponsored activity--
                    ``(A) the student shall be--
                            ``(i) immediately removed from 
                        participation in such activity; and
                            ``(ii) prohibited from resuming 
                        participation in school-sponsored athletic 
                        activities--
                                    ``(I) on the day the student 
                                sustained the concussion; and
                                    ``(II) until the day the student is 
                                capable of resuming such participation, 
                                according to the student's written 
                                release, as described in paragraph (4);
                    ``(B) the school personnel shall report to the 
                concussion management team--
                            ``(i) that the student may have sustained a 
                        concussion; and
                            ``(ii) all available information with 
                        respect to the student's injury; and
                    ``(C) the concussion management team shall confirm 
                and report to the parents of the student--
                            ``(i) the type of injury, and the date and 
                        time of the injury, suffered by the student; 
                        and
                            ``(ii) any actions that have been taken to 
                        treat the student.
            ``(4) Return to athletics.--If a student enrolled in a 
        public school in the State sustains a concussion, before the 
        student resumes participation in school-sponsored athletic 
        activities, the relevant school personnel shall receive a 
        written release from a health care professional, that--
                    ``(A) may require the student to follow a plan 
                designed to aid the student in recovering and resuming 
                participation in such activities in a manner that--
                            ``(i) is coordinated, as appropriate, with 
                        periods of cognitive and physical rest while 
                        symptoms of a concussion persist; and
                            ``(ii) reintroduces cognitive and physical 
                        demands on the student on a progressive basis 
                        so long as such increases in exertion do not 
                        cause the reemergence or worsening of symptoms 
                        of a concussion; and
                    ``(B) states that the student is capable of 
                resuming participation in such activities once the 
                student is asymptomatic.
            ``(5) Return to academics.--If a student enrolled in a 
        public school in the State has sustained a concussion, the 
        concussion management team (as described under paragraph 
        (1)(B)(i)) of the school shall consult with and make 
        recommendations to relevant school personnel and the student to 
        ensure that the student is receiving the appropriate academic 
        supports, including--
                    ``(A) providing for periods of cognitive rest over 
                the course of the school day;
                    ``(B) providing modified academic assignments;
                    ``(C) allowing for gradual reintroduction to 
                cognitive demands; and
                    ``(D) other appropriate academic accommodations or 
                adjustments.
    ``(b) Certification Requirement.--The certification required under 
subsection (a) shall be in writing and include a description of the law 
or regulation that meets the requirements of subsection (a).

``SEC. 8582. DEFINITIONS.

    ``In this subpart:
            ``(1) Concussion.--The term `concussion' means a type of 
        mild traumatic brain injury that--
                    ``(A) is caused by a blow, jolt, or motion to the 
                head or body that causes the brain to move rapidly in 
                the skull;
                    ``(B) disrupts normal brain functioning and alters 
                the physiological state of the individual, causing the 
                individual to experience--
                            ``(i) any period of observed or self-
                        reported--
                                    ``(I) transient confusion, 
                                disorientation, or altered 
                                consciousness;
                                    ``(II) dysfunction of memory around 
                                the time of injury; or
                                    ``(III) disruptions in gait or 
                                balance; and
                            ``(ii) symptoms that may include--
                                    ``(I) physical symptoms, such as 
                                headache, fatigue, or dizziness;
                                    ``(II) cognitive symptoms, such as 
                                memory disturbance or slowed thinking;
                                    ``(III) emotional symptoms, such as 
                                irritability or sadness; or
                                    ``(IV) difficulty sleeping; and
                    ``(C) occurs--
                            ``(i) with or without the loss of 
                        consciousness; and
                            ``(ii) during participation--
                                    ``(I) in a school-sponsored 
                                athletic activity; or
                                    ``(II) in any other activity 
                                without regard to whether the activity 
                                takes place on school property or 
                                during the school day.
            ``(2) Health care professional.--The term `health care 
        professional' means a physician (including a medical doctor or 
        doctor of osteopathic medicine), nurse, athletic trainer, 
        physical therapist, neuropsychologist, or other qualified 
        individual--
                    ``(A) who is registered, licensed, certified, or 
                otherwise statutorily recognized by the State to 
                provide medical treatment; and
                    ``(B) whose scope of practice and experience 
                includes the diagnosis and management of traumatic 
                brain injury among a pediatric population.
            ``(3) Public school.--The term `public school' means a 
        public elementary school or public secondary school.
            ``(4) School personnel.--The term `school personnel' 
        includes teachers, principals, administrators, counselors, 
        social workers, psychologists, nurses, librarians, coaches and 
        athletic trainers, and other support staff who are employed by 
        a school or who perform services for the school on a 
        contractual basis.
            ``(5) School-sponsored athletic activity.--The term 
        `school-sponsored athletic activity' means--
                    ``(A) any physical education class or program of a 
                public school;
                    ``(B) any athletic activity authorized by a public 
                school that takes place during the school day on the 
                school's property;
                    ``(C) any activity of an extra-curricular sports 
                team, club, or league organized by a public school; and
                    ``(D) any recess activity of a public school.''.

SEC. 3. CONFORMING AMENDMENTS.

    The table of contents in section 2 of the Elementary and Secondary 
Education Act of 1965 is amended by inserting after the item relating 
to section 8574 the following:

  ``subpart 6--state requirements for the prevention and treatment of 
                              concussions

``Sec. 8581. Minimum State requirements.
``Sec. 8582. Definitions.''.
answer:
Protecting Student Athletes from Concussions Act of 2017 This bill amends the Elementary and Secondary Education Act of 1965 (ESEA) to condition each state's receipt of ESEA funds, beginning in FY2019, on the state's enforcement of specified&nbsp;minimum requirements for the prevention and treatment of concussions. Each local educational agency must develop and implement a standard plan for concussion safety and management that includes: (1) the education of students, parents, and school personnel about concussions; (2) specified supports for each student recovering from a concussion; and (3) best practices designed to ensure the uniformity of safety standards, treatment, and management.  Each public school must post on school grounds and&nbsp;publish on the school website specified information&nbsp;about concussions.  If any public school personnel suspects that a student has sustained a concussion during a school-sponsored activity, the student must be immediately removed from participation in that activity and prohibited from participating in any school-sponsored athletic activities until the student submits a written release from a health care professional. Furthermore, the school personnel must&nbsp;report all available information regarding the injury to a concussion management team that will confirm and report&nbsp;details of the injury&nbsp;to the student's parents. The school's concussion management team shall consult with and make recommendations to relevant school personnel and the student to ensure that the student is receiving the appropriate academic supports. 


question:
SECTION 1. CREDIT FOR PLUG-IN HYBRID VEHICLES.

    (a) In General.--Subpart B of part IV of subchapter A of chapter 1 
of the Internal Revenue Code of 1986 (relating to other credits) is 
amended by adding at the end the following new section:

``SEC. 30D. PLUG-IN HYBRID VEHICLES.

    ``(a) Allowance of Credit.--There shall be allowed as a credit 
against the tax imposed by this chapter for the taxable year an amount 
equal to 10 percent of the cost of any qualified plug-in hybrid vehicle 
placed in service by the taxpayer during the taxable year.
    ``(b) Limitations.--
            ``(1) Limitation per vehicle.--The amount of the credit 
        allowed under subsection (a) for any vehicle shall not exceed 
        the sum of--
                    ``(A) $4,000 in the case of a plug-in electric 
                drive vehicle with 4kWh traction battery, and
                    ``(B) $250 for each additional kWh of traction 
                battery capacity of such vehicle as exceeds 4kWh but 
                does not exceed 50kWh.
            ``(2) Application with other credits.--
                    ``(A) Business credit treated as part of general 
                business credit.--So much of the credit which would be 
                allowed under subsection (a) for any taxable year 
                (determined without regard to this paragraph) that is 
                attributable to property of a character subject to an 
                allowance for depreciation shall be treated as a credit 
                listed in section 38(b) for such taxable year (and not 
                allowed under subsection (a)).
                    ``(B) Personal credits.--The credit allowed by 
                subsection (a) for any taxable year shall not exceed 
                the excess (if any) of--
                            ``(i) the sum of the regular tax liability 
                        (as defined in section 26(b)) plus the tax 
                        imposed by section 55, over
                            ``(ii) the sum of the credits allowable 
                        under subpart A and subpart B (other than this 
                        section).
    ``(c) Qualified Plug-In Hybrid Vehicle.--For purposes of this 
section--
            ``(1) In general.--The term `qualified plug-in hybrid 
        vehicle' means a motor vehicle (as defined in section 
        30(c)(2))--
                    ``(A) the original use of which commences with the 
                taxpayer,
                    ``(B) which is acquired for use or lease by the 
                taxpayer and not for resale,
                    ``(C) which is made by a manufacturer,
                    ``(D) which has received a certificate of 
                conformity under the Clean Air Act, and
                    ``(E) which has not less than 2 onboard sources of 
                stored energy, different in character from each other, 
                from which to draw propulsion energy, where--
                            ``(i) at least 1 of such sources is 
                        energized by plugging into an external source 
                        of electric power, and
                            ``(ii) at least 1 of such sources is 
                        energized from an internal combustion engine, 
                        fuel cell, or other means, and such source is 
                        utilized to provide mechanical propulsion to 
                        the vehicle.
            ``(2) Exception.--The term `qualified plug-in hybrid 
        vehicle' shall not include any vehicle which is not a passenger 
        automobile or light truck if such vehicle has a gross vehicle 
        weight rating of less than 8,500 pounds.
            ``(3) Other terms.--The terms ``automobile'', ``passenger 
        automobile'', ``light truck'', and ``manufacturer'' have the 
        meanings given such terms in regulations prescribed by the 
        Administrator of the Environmental Protection Agency for 
        purposes of the administration of title II of the Clean Air Act 
        (42 U.S.C. 7521 et seq.).
            ``(4) Kwh traction battery capacity.--The term `kWh 
        traction battery capacity' means the size of an electro 
        chemical storage device, expressed in kWh, as measured from a 
        100 percent state of charge to 0 percent state of charge.
    ``(d) Special Rules.--
            ``(1) Basis reduction.--The basis of any property for which 
        a credit is allowable under subsection (a) shall be reduced by 
        the amount of such credit (determined without regard to 
        subsection (b)(2)).
            ``(2) Recapture.--The Secretary shall, by regulations, 
        provide for recapturing the benefit of any credit allowable 
        under subsection (a) with respect to any property which ceases 
        to be property eligible for such credit.
            ``(3) Property used outside united states, etc., not 
        qualified.--No credit shall be allowed under subsection (a) 
        with respect to any property referred to in section 50(b) or 
        with respect to the portion of the cost of any property taken 
        into account under section 179.
            ``(4) Denial of double benefit.--No credit shall be allowed 
        under this section with respect to a vehicle if a credit or 
        deduction is allowed with respect to such vehicle under any 
        other provision of this title.
            ``(5) Election not to take credit.--No credit shall be 
        allowed under subsection (a) for any vehicle if the taxpayer 
        elects to not have this section apply to such vehicle.
            ``(6) Property used by tax-exempt entity; interaction with 
        air quality and motor vehicle safety standards.--Rules similar 
        to the rules of paragraphs (6) and (10) of section 30B(h) shall 
        apply for purposes of this section.
    ``(e) Termination.--This section shall not apply to any property 
placed in service after December 31, 2014.''.
    (b) Plug-in Hybrid Vehicles Not Counted Toward Limitation on Number 
of New Qualified Hybrid Vehicles Eligible for 30B Credit.--Section 
(30)(B)(f)(5) of such Code (defining qualified vehicle) is amended by 
adding at the end the following new sentence: ``Such term shall not 
include a qualified plug-in hybrid vehicle (as defined in section 
30D(c)).''.
    (c) Credit Made Part of General Business Credit.--Section 38(b) of 
such Code is amended by striking ``and'' at the end of paragraph (30), 
by striking the period at the end of paragraph (31) and inserting ``, 
plus'', and by adding at the end the following new paragraph:
            ``(32) the portion of the plug-in hybrid vehicle credit to 
        which section 30D(b)(2)(A) applies.''.
    (d) Conforming Amendment.--Section 6501(m) of such Code is amended 
by inserting ``30D(d)(5),'' after ``30C(e)(5),''.
    (e) Effective Date.--The amendments made by this section shall 
apply to taxable years beginning after December 31, 2007.
answer:

Amends the Internal Revenue Code to allow a tax credit for 10% of the cost of a qualified plug-in hybrid vehicle. Limits the amount of such credit to $4,000 for vehicles with a 4kWh traction battery, and $250 for each additional kWh of traction battery capacity as exceeds 4kWh but does not exceed 50kWh.

Defines "qualified plug-in hybrid vehicle" as a passenger motor vehicle which has received a certificate of conformity under the Clean Air Act and which has not less than two onboard sources of stored energy, one of which is energized by plugging into an external source of electric power.

Terminates such credit after 2014.