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

Q: SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Civil War Sesquicentennial 
Commission Act''.

SEC. 2. PURPOSE.

    The purpose of this Act is to establish a Civil War 
Sesquicentennial Commemoration Commission to--
            (1) ensure a suitable national observance of the 
        sesquicentennial of the Civil War that includes recognition of 
        the historic, social, legal, cultural, and political forces 
        that--
                    (A) brought about the Civil War; and
                    (B) influenced the course and outcomes of the Civil 
                War;
            (2) explore the causes of the Civil War to gain a better 
        understanding of the reasons that the democratic framework of 
        the United States failed to resolve the sectional issues 
        without resorting to war;
            (3) fully examine and reflect on the consequences of the 
        Civil War, which Congress directed the National Park Service to 
        address in National Park Service programs and materials 
        beginning in 1999, including consequences such as--
                    (A) the Reconstruction era and the aftermath of 
                that era;
                    (B) the economic devastation of the entire South as 
                a result of long-term post-war policies;
                    (C) the concomitant constriction of equal rights 
                for African-American citizens; and
                    (D) the ultimate economic recovery of the region 
                and the extension of civil rights for the descendants 
                of enslaved peoples almost a century later;
            (4) assist States and national organizations with programs 
        and activities for the observance of the sesquicentennial of 
        the Civil War;
            (5) assist in ensuring that any observance of the 
        sesquicentennial of the Civil War is inclusive and 
        appropriately recognizes the experiences and points of view of 
        all people affected by the Civil War; and
            (6) provide assistance for the development of programs, 
        projects, and activities on the Civil War that have lasting 
        educational and preservation value.

SEC. 3. CIVIL WAR SESQUICENTENNIAL COMMEMORATION COMMISSION.

    The Secretary of the Interior shall establish a commission to be 
known as the Civil War Sesquicentennial Commemoration Commission 
(referred to in this Act as the ``Commission'').

SEC. 4. COMPOSITION OF THE COMMISSION.

    (a) In General.--The Commission shall be composed of 25 members as 
follows:
            (1) Government members.--The Commission shall include--
                    (A) 2 Members of the Senate appointed by the 
                President pro tempore of the Senate, in consultation 
                with the majority leader and the minority leader of the 
                Senate;
                    (B) 2 Members of the House of Representatives 
                appointed by the Speaker of the House of 
                Representatives, in consultation with the minority 
                leader of the House of Representatives;
                    (C) the Secretary of the Interior or the designee 
                of the Secretary;
                    (D) the Secretary of the Smithsonian Institution, 
                or the designee of the Secretary;
                    (E) the Secretary of Education, or the designee of 
                the Secretary;
                    (F) the Secretary of Defense, or the designee of 
                the Secretary;
                    (G) the Chairman of the National Endowment for the 
                Humanities, or the designee of the Chairman;
                    (H) the Chairman of the National Endowment for the 
                Arts, or the designee of the Chairman;
                    (I) the Archivist of the United States, or the 
                designee of the Archivist;
                    (J) the Librarian of Congress, or the designee of 
                the Librarian; and
                    (K) the Director of the National Park Service, or 
                the designee of the Director.
            (2) Private members.--The Commission shall include--
                    (A) 3 members appointed by the President from among 
                individuals who are representative of the corporate 
                community and nonprofit community; and
                    (B) 9 individuals, appointed by the President, from 
                among persons who by reason of education, training, and 
                experience, are experts on the Antebellum, Civil War, 
                and Reconstruction eras and the preservation, 
                interpretation, and presentation of those eras to the 
                public, including--
                            (i) 5 individuals with expertise in history 
                        or related academic disciplines germane to the 
                        Civil War, including--
                                    (I) individuals representing the 
                                museum community, in particular history 
                                museums and historical societies, such 
                                as the National Civil War Museum;
                                    (II) individuals with expertise in 
                                art history, historic preservation, or 
                                a related field;
                                    (III) individuals with expertise in 
                                anthropology, cultural geography, 
                                sociology, or a related field; and
                                    (IV) individuals with expertise in 
                                political science, law, economics, or a 
                                related field;
                            (ii) 1 individual with expertise in the 
                        preservation of Civil War historic sites and 
                        battlefields; and
                            (iii) 3 individuals representing State 
                        Civil War sesquicentennial efforts.
    (b) Terms.--
            (1) Government members.--If any member of the Commission 
        who was appointed as an officer under subsection (a)(1) leaves 
        that office, the member may continue as a member of the 
        Commission for not longer than the 30-day period beginning on 
        the date on which the member leaves the office.
            (2) Private members.--Private members appointed under 
        subsection (a)(2) shall be appointed for the life of the 
        Commission.
    (c) Vacancies.--Any vacancy in the Commission shall not affect its 
powers, and shall be filled in the same manner as the original 
appointment.
    (d) Initial Appointments.--The appointment of the members of the 
Commission shall be made not later than 60 days after the date of 
enactment of this Act.

SEC. 5. GENERAL PROVISIONS.

    (a) Meetings.--
            (1) Initial meeting.--Not later than 60 days after the date 
        on which all members of the Commission have been appointed, the 
        members appointed under subparagraphs (A) and (B) of section 
        4(a)(2) shall call the first meeting of the Commission.
            (2) Subsequent meetings.--The Commission shall hold 
        subsequent meetings at the call of the chairperson.
    (b) Chairperson and Vice Chairperson.--At the initial meeting, the 
Commission shall elect a Chairperson and Vice Chairperson from among 
its voting members.
    (c) Quorum.--A majority of voting members shall constitute a 
quorum, but a lesser number may hold meetings.
    (d) Voting.--
            (1) In general.--The Commission shall act only on an 
        affirmative vote of a majority of the voting members of the 
        Commission.
            (2) Nonvoting members.--The individuals appointed under 
        subparagraphs (A) and (B) of section 4(a)(1) shall be nonvoting 
        members, and shall serve only in an advisory capacity.

SEC. 6. DUTIES OF THE COMMISSION.

    (a) Activities Related to the Sesquicentennial.--The Commission 
shall--
            (1) plan, develop, and carry out programs and activities 
        appropriate to commemorate the sesquicentennial of the Civil 
        War, including activities in recognition of the historic, 
        social, legal, cultural, and political forces that--
                    (A) caused the Civil War; and
                    (B) influenced the course and outcomes of the Civil 
                War;
            (2) encourage interdisciplinary examination of the Civil 
        War;
            (3) facilitate and promote Civil War-related activities 
        throughout the United States;
            (4) encourage civic, historical, educational, economic, 
        preservation, and other organizations throughout the United 
        States to organize and participate in activities to expand the 
        understanding and appreciation of the significance of the Civil 
        War;
            (5) coordinate and facilitate the public distribution of 
        scholarly research, publications, and interpretations of the 
        Civil War through institutions such as the Virginia Center for 
        Digital History at the University of Virginia, the Valley of 
        the Shadow, Center for Study of the American South at the 
        University of North Carolina, and the Center for the Study of 
        Southern Culture at the University of Mississippi;
            (6) coordinate with, and provide technical assistance to, 
        States, units of local government, and nonprofit organizations 
        (including State and local sesquicentennial commemoration 
        entities) to further the commemoration of the sesquicentennial 
        of the Civil War;
            (7) coordinate and facilitate commemoration activities of 
        Federal agencies relating to the sesquicentennial of the Civil 
        War;
            (8) develop programs and facilities to ensure that the 
        sesquicentennial commemoration of the Civil War results in a 
        positive legacy and long-term public benefit;
            (9) encourage and facilitate the preservation of Civil War-
        related historic sites and battlefields as a lasting legacy of 
        the sesquicentennial commemoration;
            (10) plan, develop, and carry out programs and activities 
        to use funds raised from individuals, foundations, and 
        corporations for sesquicentennial activities at the national 
        level;
            (11) at the election of the Commission, provide funds to 
        State and local programs to carry out activities that advance 
        the goals of the Commission; and
            (12) encourage the development and conduct of programs 
        designed to involve the international community in activities 
        that commemorate the Civil War.
    (b) Plans and Report.--
            (1) Strategic plan and annual performance plans.--The 
        Commission shall prepare a strategic plan in accordance with 
        section 306 of title 5, United States Code, and annual 
        performance plans in accordance with section 1115 of title 31, 
        United States Code, for the activities of the Commission 
        carried out under this Act.
            (2) Reports.--
                    (A) Annual report.--The Commission shall submit to 
                Congress an annual report that contains a list of each 
                gift, bequest, or devise with a value of more than 
                $250, together with the identity of the donor of each 
                such gift, bequest, or devise.
                    (B) Final report.--Not later than December 30, 
                2015, the Commission shall submit to Congress a final 
                report that contains--
                            (i) a summary of activities of the 
                        Commission;
                            (ii) a final accounting of funds received 
                        and expended by the Commission; and
                            (iii) the findings and recommendations of 
                        the Commission.

SEC. 7. GRANT PROGRAM.

    (a) Grants Authorized.--The National Endowment for the Humanities 
shall award grants under this section for the uses described in 
subsection (b).
    (b) Use of Grants.--Grants awarded under this section shall be used 
for appropriate activities relating to the sesquicentennial of the 
Civil War.
    (c) Consideration.--In awarding grants under this section, the 
National Endowment of the Humanities shall consider and give priority 
to programs carried out by institutions of higher education, museums, 
nonprofit organizations, professional associations, or State 
sesquicentennial commissions with a national scope that support the 
duties of the Commission described in section 6, including programs 
that concentrate on the role of African Americans in the Civil War.

SEC. 8. POWERS OF THE COMMISSION.

    The Commission may--
            (1) solicit, accept, use, and dispose of gifts, bequests, 
        or devises of money or other real or personal property for the 
        purpose of aiding or facilitating the work of the Commission;
            (2) appoint any advisory committee as the Commission 
        considers appropriate for the purposes of this Act;
            (3) authorize any voting member or employee of the 
        Commission to take any action that the Commission is authorized 
        to take under this Act;
            (4) procure supplies, services, and property, and make or 
        enter into contracts, leases, or other legal agreements to 
        carry out this Act (except that any contracts, leases, or other 
        legal agreements entered into by the Commission shall not 
        extend beyond the date of the termination of the Commission);
            (5) use the United States mails in the same manner and 
        under the same conditions as other Federal agencies; and
            (6) establish a foundation that is independent from, but 
        affiliated with, the Commission to support, as the Commission 
        determines to be necessary, the efforts of the Commission.

SEC. 9. PERSONNEL MATTERS.

    (a) Compensation of Members.--Members of the Commission, and 
members of any advisory committee appointed under section 8(2), shall 
serve without compensation.
    (b) Travel Expenses.--Members of the Commission, and members of any 
advisory committees appointed under section 8(2), shall be allowed 
travel expenses, including per diem in lieu of subsistence, at rates 
authorized for an employee of an agency under subchapter I of chapter 
57 of title 5, United States Code, while away from the home or regular 
place of business of the member in the performance of the duties of the 
Commission.
    (c) Staff.--
            (1) In general.--The Chairperson of the Commission may, 
        without regard to civil service laws (including regulations), 
        appoint and terminate an executive director and such other 
        additional personnel as are necessary to enable the Commission 
        to perform the duties of the Commission.
            (2) Confirmation of executive director.--The employment of 
        an executive director shall be subject to confirmation by the 
        Commission.
            (3) Compensation.--
                    (A) In general.--Except as provided in subparagraph 
                (B), the Chairperson of the Commission may fix the 
                compensation of the executive director and other 
                personnel without regard to the provisions of chapter 
                51 and subchapter III of chapter 53 of title 5, United 
                States Code, relating to classification of positions 
                and General Schedule pay rates.
                    (B) Maximum rate of pay.--The rate of pay for the 
                executive director and other personnel shall not exceed 
                the rate payable for level V of the Executive Schedule 
                under section 5316 of title 5, United States Code.
    (d) Detail of Government Employees.--
            (1) In general.--At the request of the Commission, the head 
        of any Federal agency may detail, on a reimbursable or 
        nonreimbursable basis, any of the personnel of the agency to 
        the Commission to assist the Commission in carrying out the 
        duties of the Commission under this Act.
            (2) Civil service status.--The detail of an employee under 
        paragraph (1) shall be without interruption or loss of civil 
        service status or privilege.
    (e) Volunteer and Uncompensated Services.--Notwithstanding section 
1342 of title 31, United States Code, the Commission may accept and use 
voluntary and uncompensated services as the Commission determines 
necessary.
    (f) Support Services.--The Director of the National Park Service 
shall provide to the Commission, on a reimbursable basis, such 
administrative support services as the Commission may request.
    (g) Procurement of Temporary and Intermittent Services.--The 
Chairperson of the Commission may procure temporary and intermittent 
services under section 3109(b) of title 5, United States Code, at daily 
rates for individuals which do not exceed the daily equivalent of the 
annual rate of basic pay prescribed for level V of the Executive 
Schedule under section 5316 of that title.
    (h) FACA Nonapplicability.--Section 14(b) of the Federal Advisory 
Committee Act (5 U.S.C. App.) shall not apply to the Commission.
    (i) Termination.--The Commission shall terminate on the date that 
is 90 days after the date on which the Commission submits its report 
under section 6(b)(2).

SEC. 10. AUDIT OF COMMISSION.

    The Inspector General of the Department of the Interior shall 
perform an annual audit of the Commission and shall make the results of 
the audit available to the public.

SEC. 11. AUTHORIZATION OF APPROPRIATIONS.

    (a) In General.--There is authorized to be appropriated to carry 
out this Act (other than section 7) $500,000 for each of fiscal years 
2012 through 2016.
    (b) Grants.--There is authorized to be appropriated $3,500,000 to 
the National Endowment for the Humanities to provide grants under 
section 7, to remain available until expended.

A: Civil War Sesquicentennial Commission Act - Directs the Secretary of the Interior to establish a Civil War Sesquicentennial Commemoration Commission to plan, develop, and carry out programs and activities appropriate to commemorate the sesquicentennial of the Civil War, and to carry out other specified duties.

 Directs the National Endowment for the Humanities to award grants for appropriate activities relating to the Civil War sesquicentennial, and to consider and give priority to programs carried out by institutions of higher education, museums, nonprofit organizations, professional associations, or state sesquicentennial commissions that support the duties of the Commission, including those that concentrate on the role of African Americans in the Civil War.
****
Q: SECTION 1. SHORT TITLE.

    This Act may be cited as the ``James Guelff Body Armor Act of 
1999''.

SEC. 2. FINDINGS.

    Congress finds that--
            (1) nationally, police officers and ordinary citizens are 
        facing increased danger as criminals use more deadly weaponry, 
        body armor, and other sophisticated assault gear;
            (2) crime at the local level is exacerbated by the 
        interstate movement of body armor and other assault gear;
            (3) there is a traffic in body armor moving in or otherwise 
        affecting interstate commerce, and existing Federal controls 
        over such traffic do not adequately enable the States to 
        control this traffic within their own borders through the 
        exercise of their police power;
            (4) recent incidents, such as the murder of San Francisco 
        Police Officer James Guelff by an assailant wearing 2 layers of 
        body armor and a 1997 bank shoot out in north Hollywood, 
        California, between police and 2 heavily armed suspects 
        outfitted in body armor, demonstrate the serious threat to 
        community safety posed by criminals who wear body armor during 
        the commission of a violent crime;
            (5) of the approximately 1,200 officers killed in the line 
        of duty since 1980, more than 30 percent could have been saved 
        by body armor, and the risk of dying from gunfire is 14 times 
        higher for an officer without a bulletproof vest;
            (6) the Department of Justice has estimated that 25 percent 
        of State and local police are not issued body armor;
            (7) the Federal Government is well-equipped to grant local 
        police departments access to body armor that is no longer 
        needed by Federal agencies; and
            (8) Congress has the power, under the interstate commerce 
        clause and other provisions of the Constitution of the United 
        States, to enact legislation to regulate interstate commerce 
        that affects the integrity and safety of our communities.

SEC. 3. DEFINITIONS.

    In this Act:
            (1) Body armor.--The term ``body armor'' means any product 
        sold or offered for sale, in interstate or foreign commerce, as 
        personal protective body covering intended to protect against 
        gunfire, regardless of whether the product is to be worn alone 
        or is sold as a complement to another product or garment.
            (2) Law enforcement agency.--The term ``law enforcement 
        agency'' means an agency of the United States, a State, or a 
        political subdivision of a State, authorized by law or by a 
        Government agency to engage in or supervise the prevention, 
        detection, investigation, or prosecution of any violation of 
        criminal law.
            (3) Law enforcement officer.--The term ``law enforcement 
        officer'' means any officer, agent, or employee of the United 
        States, a State, or a political subdivision of a State, 
        authorized by law or by a Government agency to engage in or 
        supervise the prevention, detection, investigation, or 
        prosecution of any violation of criminal law.

SEC. 4. AMENDMENT OF SENTENCING GUIDELINES WITH RESPECT TO BODY ARMOR.

    (a) Sentencing Enhancement.--The United States Sentencing 
Commission shall amend the Federal sentencing guidelines to provide an 
appropriate sentencing enhancement, increasing the offense level not 
less than 2 levels, for any offense in which the defendant used body 
armor.
    (b) Applicability.--No amendment made to the Federal Sentencing 
Guidelines pursuant to this section shall apply if the Federal offense 
in which the body armor is used constitutes a violation of, attempted 
violation of, or conspiracy to violate the civil rights of any person 
by a law enforcement officer acting under color of the authority of 
such law enforcement officer.

SEC. 5. PROHIBITION OF PURCHASE, USE, OR POSSESSION OF BODY ARMOR BY 
              VIOLENT FELONS.

    (a) Definition of Body Armor.--Section 921 of title 18, United 
States Code, is amended by adding at the end the following:
            ``(35) The term `body armor' means any product sold or 
        offered for sale, in interstate or foreign commerce, as 
        personal protective body covering intended to protect against 
        gunfire, regardless of whether the product is to be worn alone 
        or is sold as a complement to another product or garment.''.
    (b) Prohibition.--
            (1) In general.--Chapter 44 of title 18, United States 
        Code, is amended by adding at the end the following:
``Sec. 931. Prohibition on purchase, ownership, or possession of body 
              armor by violent felons
    ``(a) In General.--Except as provided in subsection (b), it shall 
be unlawful for a person to purchase, own, or possess body armor, if 
that person has been convicted of a felony that is--
            ``(1) a crime of violence (as defined in section 16); or
            ``(2) an offense under State law that would constitute a 
        crime of violence if it occurred within the special maritime 
        and territorial jurisdiction of the United States.
    ``(b) Exception.--
            ``(1) Application.--A person who is subject to the 
        prohibition of subsection (a) whose employment, livelihood, or 
        safety is dependent on the ability to possess and use body 
        armor, may file a petition with the Secretary for an exception 
        to the prohibition of subsection (a).
            ``(2) Action by secretary.--Upon receipt of a petition 
        under paragraph (1), the Secretary may reduce or eliminate the 
        prohibition of subsection (a), impose conditions on reduction 
        or elimination of the prohibition, or otherwise grant relief 
        from the prohibition, as the Secretary determines to be 
        appropriate, based on a determination that the petitioner--
                    ``(A) is likely to use body armor in a safe and 
                lawful manner; and
                    ``(B) has a reasonable need for such protection 
                under the circumstances.
            ``(3) Factors for consideration.--In making a determination 
        under paragraph (2) with respect to a petitioner, the Secretary 
        shall consider--
                    ``(A) any continued employment of the petitioner;
                    ``(B) the interests of justice;
                    ``(C) any relevant evidence; and
                    ``(D) the totality of the circumstances.
            ``(4) Certified copy of permission.--The Secretary shall 
        require, as a condition of granting any exception to a 
        petitioner under this subsection, that the petitioner agree to 
        maintain on his or her person a certified copy of the 
        Secretary's permission to possess and use body armor, including 
        any conditions or limitations.
            ``(5) Rule of construction.--Nothing in this subsection may 
        be construed to--
                    ``(A) require the Secretary to grant relief to any 
                particular petitioner; or
                    ``(B) imply that any relief granted by the 
                Secretary under this subsection relieves any other 
                person from any liability that may otherwise be 
                imposed.
    ``(c) Immunity From Liability.--
            ``(1) In general.--An officer or employee of a law 
        enforcement agency who enforces the prohibition specified in 
        subsection (a) against a person who has been granted relief 
        pursuant to subsection (b), shall be immune from any liability 
        for false arrest arising from the enforcement of this section 
        unless the person has in his or her possession a certified copy 
        of the permission granting the person relief from the 
        prohibition, as required by subsection (b)(4).
            ``(2) Rule of construction.--The immunity from liability 
        described in paragraph (1) shall not relieve any person or 
        entity from any other liability that may otherwise be 
        imposed.''.
            (2) Clerical amendment.--The analysis for chapter 44 of 
        title 18, United States Code, is amended by adding at the end 
        the following:

``931. Prohibition on purchase, ownership, or possession of body armor 
                            by violent felons.''.
    (c) Penalties.--Section 924(a) of title 18, United States Code, is 
amended by adding at the end the following:
    ``(7) Whoever knowingly violates section 931 shall be fined under 
this title, imprisoned not more than 3 years, or both.''.

SEC. 6. DONATION OF FEDERAL SURPLUS BODY ARMOR TO STATE AND LOCAL LAW 
              ENFORCEMENT AGENCIES.

    (a) Definitions.--In this section, the terms ``Federal agency'' and 
``surplus property'' have the meanings given such terms under section 3 
of the Federal Property and Administrative Services Act of 1949 (40 
U.S.C. 472).
    (b) Donation of Body Armor.--Notwithstanding section 203 of the 
Federal Property and Administrative Services Act of 1949 (40 U.S.C. 
484), the head of a Federal agency may donate body armor directly to 
any State or local law enforcement agency, if such body armor is--
            (1) in serviceable condition; and
            (2) surplus property.
    (c) Notice to Administrator.--The head of a Federal agency who 
donates body armor under this section shall submit to the Administrator 
of General Services a written notice identifying the amount of body 
armor donated and each State or local law enforcement agency that 
received the body armor.
    (d) Donation by Certain Officers.--
            (1) Department of justice.--In the administration of this 
        section with respect to the Department of Justice, in addition 
        to any other officer of the Department of Justice designated by 
        the Attorney General, the following officers may act as the 
        head of a Federal agency:
                    (A) The Administrator of the Drug Enforcement 
                Administration.
                    (B) The Director of the Federal Bureau of 
                Investigation.
                    (C) The Commissioner of the Immigration and 
                Naturalization Service.
                    (D) The Director of the United States Marshals 
                Service.
            (2) Department of the treasury.--In the administration of 
        this section with respect to the Department of the Treasury, in 
        addition to any other officer of the Department of the Treasury 
        designated by the Secretary of the Treasury, the following 
        officers may act as the head of a Federal agency:
                    (A) The Director of the Bureau of Alcohol, Tobacco, 
                and Firearms.
                    (B) The Commissioner of Customs.
                    (C) The Director of the United States Secret 
                Service.

A: James Guelff Body Armor Act of 1999 - Directs the U.S. Sentencing Commission to amend the Federal sentencing guidelines to provide an appropriate enhancement, increasing the level not less than two levels, for any offense in which the defendant used body armor, with an exception involving a civil rights violation by a law enforcement officer acting under color of authority. 
(Sec. 5) Amends the Brady Handgun Violence Prevention Act to prohibit the purchase, ownership, or possession of body armor by violent felons, with a procedure for the Secretary of the Treasury to grant an exception where a person's employment, livelihood, or safety is dependent on the ability to possess and use body armor.  Grants a law enforcement officer immunity from liability for false arrest arising from the enforcement of this section unless the person has in his or her possession a certified copy of the permission granting the person relief from the prohibition.  Sets penalties for violations of this prohibition. 
(Sec. 6) Authorizes the head of a Federal agency to donate body armor that is surplus property and in serviceable condition directly to any State or local law enforcement agency.  Allows specified officials in the Treasury and Justice Departments to act as the head of a Federal agency.
****
Q: SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Freedom and Mobility in Consumer 
Banking Act''.

SEC. 2. FEDERAL DEPOSIT INSURANCE ACT AMENDMENTS.

    The Federal Deposit Insurance Act (12 U.S.C. 1811 et seq.) is 
amended by adding at the end the following new section:

``SEC. 51. RIGHT TO CLOSE PERSONAL CHECKING AND SAVINGS ACCOUNTS.

    ``(a) In General.--An insured depository institution may not--
            ``(1) prohibit any person from closing a checking or 
        savings account, regardless of whether the balance in the 
        account is positive, zero, or negative; or
            ``(2) charge any fee to close any such account.
    ``(b) Time Limit.--An account at any insured depository institution 
shall be closed by the institution not later than 48 hours after 
receiving a request from the customer to close the account.
    ``(c) Methods of Requesting Closure of an Account.--
            ``(1) In general.--Any accountholder of an account at an 
        insured depository institution may request that the account be 
        closed in person, over the phone, or by other electronic or 
        remote means, as may be prescribed by regulation.
            ``(2) Exception for large accounts.--Notwithstanding 
        paragraph (1), any insured depository institution may require 
        an accountholder of an account which has an outstanding balance 
        of $25,000 or more on deposit at the depository institution to 
        close the account in person, to the extent the depository 
        institution has provided written notice of such requirement to 
        the account holder at any time prior to receiving a request 
        from the accountholder to close the account.
    ``(d) Repayment of Balances.--
            ``(1) In general.--Any balance in an account at an insured 
        depository institution that is closed by the institution 
        pursuant to a request by the accountholder shall repaid to the 
        accountholder in accordance with the following requirements:
                    ``(A) In person.--If the request is made in person, 
                the total amount of funds on deposit in the account 
                shall be paid to the accountholder at the time the 
                request is made at the consumer's option and without a 
                fee, by certified check provided to the consumer at the 
                time of the request, by electronic fund transfer 
                executed on that business day to an account designated 
                by the consumer, or by any other means offered by the 
                financial institution if requested by the consumer.
                    ``(B) Request made by other means.--If the request 
                is made over the phone, or by other electronic or 
                remote means, the total amount of funds on deposit in 
                the account shall promptly be remitted by the 
                institution to the accountholder at the consumer's 
                option and without a fee, by certified check issued on 
                the business day on which the request is received, by 
                electronic fund transfer executed on that business day 
                to an account designated by the consumer, or by any 
                other means offered by the financial institution if 
                requested by the consumer.
            ``(2) Time limit.--In any case, the payment by an insured 
        depository institution of the total amount of funds on deposit 
        in an account at the institution which the accountholder has 
        requested be closed shall be remitted to the accountholder 
        before the end of the 3 business day period beginning when the 
        accountholder submits such request.
    ``(e) Prohibition on Any Fees or Charges After Request To Close.--
No insured depository institution may impose any fees or charges on any 
deposit account at such institution after receiving a request in 
accordance with subsection (c) to close the account.
    ``(f) Prohibition on Reopening Account To Make Subsequent 
Payment.--No insured depository institution may reopen an account that 
the consumer has requested be closed in accordance with subsection (c) 
to apply subsequent debits, whether preauthorized or otherwise, or for 
any other reason, unless the consumer expressly requests that such 
account be reopened.
    ``(g) Notice of Subsequent Preauthorized Recurring Debits.--During 
the 30-day period beginning on the date an account at an insured 
depository institution is closed pursuant to a request by the 
accountholder, the insured depository institution shall promptly notify 
the customer if a preauthorized recurring debit is directed to the 
account.
    ``(h) Limitation on Reporting.--
            ``(1) Negative balance resulting from fees.--If, at the 
        time any account at an insured depository institution is 
        closed, the account has a negative balance resulting solely 
        from any fee assessed by the depository institution, the 
        insured depository institution may not report the fact of the 
        outstanding balance or any other adverse information with 
        respect to such account to any consumer reporting agency 
        described in section 603(f) of the Fair Credit Reporting Act if 
        such information could be used to adversely affect the 
        consumer's ability to open a transaction account at another 
        depository institution.
            ``(2) Treatment of negative balance resulting from 
        overdrafts.--If such information could be used to adversely 
        affect the consumer's ability to open a transaction account at 
        another depository institution, an insured depository 
        institution shall not report to any consumer reporting agency 
        (as defined in section 603 of the Fair Credit Reporting Act) 
        that an account had a negative balance at the time of the 
        closure of the account unless all of the following conditions 
        are met:
                    ``(A) Only if the negative balance is the result of 
                funds actually paid by the depository institution to a 
                third party.
                    ``(B) Only for the amount it actually paid to the 
                third party and not for any fees associated with the 
                transaction.
                    ``(C) Only to the extent the negative balance is 
                the result of credit extended through an overdraft line 
                of credit program where the fee or charge incurred in 
                connection with the overdraft is considered a finance 
                charge under the Truth In Lending Act.
            ``(3) Notice and opportunity for repayment of overdraft.--
        If an account of an accountholder at an insured depository 
        institution has a negative balance at the time the account is 
        closed, the insured depository institution--
                    ``(A) shall promptly notify the accountholder of 
                the fact of the negative balance and the amount due; 
                and
                    ``(B) may, after the end of the 30-day period 
                beginning on the date notice is provided to an 
                accountholder under subparagraph (A)--
                            ``(i) report the fact of the outstanding 
                        balance or any other adverse information with 
                        respect to such account to any consumer 
                        reporting agency, subject to the limitations in 
                        paragraph (2); and
                            ``(ii) take any other collection activity 
                        with respect to such outstanding balance.
    ``(i) Transfer of Direct Deposit Received After Notice of Closure 
and Payment.--If--
            ``(1) during the 30-day period beginning after any balance 
        in an account at an insured depository institution that is 
        closed by the institution pursuant to a request by the 
        accountholder has been repaid to the accountholder, a 
        previously scheduled amount intended for direct deposit into 
        such account is received by such institution, and
            ``(2) before the time such amount is received, the consumer 
        provides the insured depository institution with an account 
        number and insured depository institution routing number for a 
        successor transaction or savings account at another insured 
        depository institution,
the insured depository institution which receives such amount shall 
transfer such amount, without a fee and by electronic fund transfer, to 
the insured depository institution identified by the former 
accountholder for deposit in the transaction or savings account 
identified by such former accountholder.
    ``(j) Regulations.--The Federal banking agencies shall jointly 
prescribe regulations to carry out the purposes of this section.''.

A:
Freedom and Mobility in Consumer Banking Act - Amends the Federal Deposit Insurance Act (FDIA) to prohibit an insured depository institution from: (1) prohibiting any person from closing a checking or savings account, regardless of its balance; or (2) charging a fee to close such an account.

Requires a depository institution to close an account within 48 hours after receiving a request from the customer to do so.

Permits an account holder to request that the account be closed in person, over the phone, or by other electronic or remote means, as may be prescribed by regulation.

Sets forth financial institution procedures for closing large accounts and repaying balances, as well as notice and opportunity for accountholder repayment of overdrafts.

Prohibits a depository institution from: (1) imposing fees or charges after receiving a request to close an account, or (2) reopening an account without express account holder request.
****