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 ``Saver's Bonus Act of 2007''.

SEC. 2. FINDINGS.

    Congress finds the following:
            (1) According to the Department of Commerce, Americans are 
        currently saving less than 1 percent of their disposable 
        income.
            (2) According to the Federal Reserve's 2004 Survey of 
        Consumer Finances, 17 percent of all households have zero or 
        negative net worth, while 30 percent have net worth of less 
        than $10,000.
            (3) According to the Federal Reserve's 2004 Survey of 
        Consumer Finances, 11 percent of households do not have a 
        checking account and 9 percent do not have a transaction 
        account of any kind.
            (4) According to the Retirement Security Project, in 2004 
        more than half of all households had zero savings in an 
        employer-based 401(k)-type plan or tax-preferred savings plan 
        account.
            (5) It is in the economic interests of the United States to 
        promote savings among all members of society, regardless of 
        income.

SEC. 3. SAVER'S BONUS.

    (a) In General.--The Secretary of the Treasury shall develop a 
program to match deposits made by qualifying low-income individuals 
into designated savings products.
    (b) Qualifying Low-Income Individuals.--For purposes of this Act, 
the term ``qualifying low-income individual'' means any individual 
determined by the Secretary of the Treasury to be eligible for the 
saver's bonus under this Act.
    (c) Designated Savings Products.--For purposes of this Act, the 
term ``designated savings product'' means any savings product, 
including--
            (1) qualified retirement plans (as defined in section 
        4974(c)) of such Code,
            (2) qualified tuition programs under section 529 of such 
        Code,
            (3) Coverdell education savings accounts under section 530 
        of such Code,
            (4) United States savings bonds,
            (5) certificates of deposits with durations of at least 6 
        months, and
            (6) other types of savings products considered appropriate 
        by the Secretary of the Treasury for the purposes of this Act.
    (d) Saver's Bonus Program.--The program established under 
subsection (a) shall provide that--
            (1) qualifying low-income individuals who direct their 
        Federal income tax refund (in its entirety or a portion 
        thereof) be deposited into any designated savings product shall 
        be eligible for a dollar-for-dollar match or saver's bonus to 
        be deposited directly in any designated savings product,
            (2) qualifying low-income individuals who claim (when 
        filing a Federal income tax return) to have deposited funds 
        into any designated savings product during the course of the 
        tax year shall be eligible for a saver's bonus to be deposited 
        directly into any designated savings product, and
            (3) the saver's bonus--
                    (A) shall equal $500 for qualifying low-income 
                individuals who are eligible for the earned income 
                credit under section 32 of such Code and shall be 
                phased out (but not below zero) for such individuals 
                whose earned income exceeds 120 percent of the earned 
                income threshold at which such eligibility ceases,
                    (B) shall be indexed for inflation every 5 years, 
                and
                    (C) shall be considered a refundable credit for 
                purposes of the Internal Revenue Code of 1986.
    (e) Conforming Amendment Regarding Funding of Saver's Bonus.--
Section 1324(b)(2) of title 31, United States Code, is amended by 
inserting ``or enacted by the Saver's Bonus Act of 2007,''.
    (f) Effective Date.--The program under, and amendment made by, this 
section shall be effective with respect to Federal income tax returns 
for taxable years beginning after December 31, 2008.

SEC. 4. OPENING OF ACCOUNTS ON FEDERAL INCOME TAX RETURNS TO FACILITATE 
              SAVINGS.

    (a) Notification of Option.--
            (1) In general.--The Commissioner of Internal Revenue shall 
        notify qualifying low-income individuals who qualify for a 
        Federal income tax refund but fail to provide an ACH direct 
        deposit number on their Federal income tax return that they 
        have the option of an electronic direct deposit and that they 
        may be eligible for the saver's bonus program under section 3 
        if they deposit a refund or a portion of their refund in any 
        designated savings product.
            (2) Method of notification.--The notification under 
        paragraph (1) shall be made through--
                    (A) a public awareness program undertaken by the 
                Secretary of the Treasury, in concert with the 
                Commissioner of the Internal Revenue and others as 
                necessary, at least 6 months before January 2009, and
                    (B) the inclusion of such a notice in the 
                instruction material for any Federal income tax return.
    (b) Establishment of Designated Account Program.--The Secretary of 
the Treasury shall develop, in consultation with the Federal Management 
System, a program to minimize the delivery of non-electronic Federal 
income tax refunds by depositing refunds electronically to an account 
held by a depository institution. This program shall include--
            (1) provisions for such tax refunds to be deposited into a 
        designated account,
            (2) establishment of account parameters with respect to 
        minimum balance requirements and limitations on overdrafts, 
        overdraft fees, and other requirements,
            (3) establishment of means for the taxpayer to access the 
        account electronically or through a payment card, and
            (4) provisions to allow taxpayers to open an account with 
        their Federal income tax refunds through financial service 
        providers, so long such account is held at a depository 
        institution that is insured under the Federal Deposit Insurance 
        Act (12 U.S.C. 1811 et seq.).
    (c) Effective Date.--The notification under subsection (a) and the 
program under subsection (b) shall be effective with respect to Federal 
income tax returns for taxable years beginning after December 31, 2008.

SEC. 5. PURCHASE OF SAVINGS BONDS ON FEDERAL INCOME TAX RETURNS.

    (a) Notification of Option.--The Commissioner of Internal Revenue 
shall notify individual taxpayers that they have the option of 
purchasing United States savings bonds when they file their Federal 
income tax returns and that they may be eligible for the saver's bonus 
program under section 3. Such notification shall be included in the 
instruction material for any Federal income tax return.
    (b) Establishment of Savings Bond Purchase Program.--The Secretary 
of the Treasury shall develop, in consultation with a task force, a 
program for the purchase by individual taxpayers of United States 
savings bonds on their Federal income tax returns.
    (c) Effective Date.--The notification under subsection (a) and the 
program under subsection (b) shall be effective with respect to Federal 
income tax returns for taxable years beginning after December 31, 2008.

A: Saver's Bonus Act of 2007 [sic] - Directs the Secretary of the Treasury to develop programs to: (1) match deposits made by low-income individuals into certain savings accounts (saver's bonus); (2) deposit tax refunds electronically into savings accounts; and (3) allow individual taxpayers to purchase U.S. savings bonds on their federal income tax returns.

Requires the Commissioner of the Internal Revenue Service (IRS) to notify low-income taxpayers of their eligibility for the saver's bonus and of their options under this Act.
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Q: SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Accurate Education for Prenatal 
Screenings Act''.

SEC. 2. CELL-FREE DNA PRENATAL SCREENING EDUCATION PROGRAMS.

    Part B of title III of the Public Health Service Act is amended by 
inserting, after section 317T (42 U.S.C. 247b-22), the following:

``SEC. 317U. CELL-FREE DNA PRENATAL SCREENING EDUCATION PROGRAMS.

    ``(a) Education Programs.--With respect to cell-free DNA prenatal 
screening, the Secretary, acting through the Director of the Centers 
for Disease Control and Prevention, shall develop, implement, and 
maintain two programs, one for patients and one for health care 
providers, to educate patients and health care providers regarding 
matters including--
            ``(1) the purposes and definitions of such screenings;
            ``(2) the reasons for patients and health care providers to 
        consider such screenings;
            ``(3) the conditions such screenings may detect, including 
        accurate and up-to-date information about such conditions' 
        clinical features, prognoses, and treatments according to 
        relevant national disability organizations and medical 
        professional societies;
            ``(4) the risks and benefits of, and alternatives to, the 
        various methods of administering such screenings and prenatal 
        diagnostic testings, including the option to forego such 
        screenings and testings, as per guidelines established by 
        medical professional societies;
            ``(5) the possible results of such screenings;
            ``(6) the accuracy of the results of such screenings, 
        including positive predictive value, negative predictive value, 
        specificity, sensitivity, the inability of such screenings to 
        reliably diagnose chromosomal abnormalities, and the fact that 
        such screenings may yield false-positive and false-negative 
        results;
            ``(7) the need for diagnostic testing, and counseling by a 
        genetics professional, for patients whose screenings yield 
        positive, abnormal, or indeterminate results; and
            ``(8) the need for communication of screening results to 
        patients and appropriate follow up per guidelines established 
        by medical professional societies.
    ``(b) Materials.--Each program developed under this section shall 
include the provision of materials that--
            ``(1) contain information that is peer-reviewed, balanced, 
        accurate, and up-to-date;
            ``(2) enable the respective target audience to understand 
        the available options with regards to cell-free DNA prenatal 
        screenings, other prenatal screenings, and diagnostic tests;
            ``(3) promote the informed consent, and enhance the 
        decision-making processes of, the respective target audience 
        before and after such screenings;
            ``(4) contain information that appropriately addresses the 
        diversity of the patient population, including patients 
        proficient in languages other than English; and
            ``(5) contain contact information for relevant services and 
        support organizations for patients.
    ``(c) Assessment.--In developing, implementing, and maintaining 
programs and materials under this section, the Secretary, acting 
through the Director of the Centers for Disease Control and Prevention, 
shall--
            ``(1) consult with relevant medical professional, 
        disability support, patient advocacy, parents, and genetics 
        professionals organizations;
            ``(2) consult with companies and laboratories that perform 
        cell-free DNA prenatal screenings or develop the technologies 
        for such screenings;
            ``(3) assess and evaluate existing education activities and 
        materials for health care providers and patients related to 
        such screenings; and
            ``(4) take the results of such consultations, assessment, 
        and evaluation into account in developing educational programs 
        and materials under this section.
    ``(d) Annual Report.--Not later than 16 months after the date of 
enactment of this section and annually thereafter, the Secretary shall 
submit a progress report to the Congress with respect to--
            ``(1) the development and implementation of the education 
        programs established under this section;
            ``(2) the accessibility of each program to its respective 
        target audience;
            ``(3) the adoption of each program by its respective target 
        audience; and
            ``(4) the Secretary's efforts to ensure health care 
        providers and patients receive the materials created pursuant 
        to this section.
    ``(e) Deadline.--The Secretary shall develop and implement the 
education programs required by section 317U of the Public Health 
Service Act (as added by subsection (a)) not later than 1 year after 
the date of enactment of this Act''.

A: Accurate Education for Prenatal Screenings Act Amends the Public Health Service Act to direct the Centers for Disease Control and Prevention (CDC) to develop, implement, and maintain two programs, one to educate patients and one to educate health care providers regarding:   the purposes and definitions of cell-free DNA prenatal screenings;   the reasons for patients and providers to consider such screenings;  the conditions such screenings may detect;  the risks and benefits of, and alternatives to, the various methods of administering such screenings and prenatal diagnostic testing;  the possible results of such screenings and the accuracy of such results;   the need for diagnostic testing, and counseling by a genetics professional, for patients whose screenings yield positive, abnormal, or indeterminate results; and   the need for communication of results to patients and appropriate follow-up per guidelines established by medical professional societies.  Requires each program to provide materials that:   contain information that is peer-reviewed, balanced, accurate, and up-to-date;   enable the respective target audience to understand the available options with regard to such screenings, other prenatal screenings, and diagnostic tests;   promote the informed consent of, and enhance the decision-making processes of, the respective target audience before and after such screenings;   contain information that appropriately addresses the diversity of the patient population; and   contain contact information for relevant services and support organizations for patients.    Requires CDC to submit annual reports regarding:  the development and implementation of such programs;   the accessibility of each program to, and the adoption of each program by, its respective target audience; and   CDC's efforts to ensure that providers and patients receive the materials created pursuant to this Act. 
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Q: SECTION 1. SHORT TITLE.

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

SEC. 2. FINDINGS.

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

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

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

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

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

``SEC. 920A. VALIDITY AND ENFORCEABILITY.

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

SEC. 5. RULE OF CONSTRUCTION.

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

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