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 l. SHORT TITLE.

    This Act may be cited as the ``Freedom of Access to Clinic 
Entrances Act of 1993''.

SEC. 2. FREEDOM OF ACCESS TO REPRODUCTIVE HEALTH SERVICES.

    Chapter 13 of title 18, United States Code, is amended by adding at 
the end the following:
``Sec. 248. Blocking access to reproductive health services
    ``(a) Prohibited Activities.--Whoever--
            ``(1) by force, threat of force, or physical obstruction, 
        intentionally injures, intimidates, or interferes with any 
        person, or attempts to do so, because that person or any other 
        person or class of persons is obtaining or providing 
        reproductive health services; or
            ``(2) intentionally damages or destroys the property of a 
        facility, or attempts to do so, because that facility provides 
        reproductive health services;
shall be punished as provided in subsection (b) of this section and 
also be subject to the civil remedy provided in subsection (c) of this 
section, except that a parent or legal guardian of a minor shall not be 
subject to any penalties or civil remedies under this section for such 
activities insofar as they are directed exclusively at that minor.
    ``(b) Penalties.--Whoever violates subsection (a) of this section 
shall--
            ``(1) in the case of a first offense, be fined under this 
        title or imprisoned not more than 1 year, or both; and
            ``(2) in the case of a second or subsequent offense after a 
        prior conviction under this section, be fined under this title 
        or imprisoned not more than 3 years, or both;
except that, if bodily injury results, the length of imprisonment shall 
be not more than 10 years, and if death results, it shall be for any 
term of years or for life.
    ``(c) Civil Actions.--
            ``(1) Right of action generally.--Any person who is 
        aggrieved by a violation of subsection (a) of this section may 
        in a civil action obtain relief under this subsection.
            ``(2) Action by attorney general.--If the Attorney General 
        has reasonable cause to believe that any person, or group of 
        persons, is aggrieved by a violation of subsection (a) of this 
        section, the Attorney General may in a civil action obtain 
        relief under this subsection.
            ``(3) Actions by state attorneys general.--If an attorney 
        general of a State has reasonable cause to believe that any 
        person or group of persons is aggrieved by a violation of 
        subsection (a) of this section, that attorney general may in a 
        civil action obtain relief under this subsection.
            ``(4) Relief.--In any action under this subsection, the 
        court may award any appropriate relief, including temporary, 
        preliminary or permanent injunctive relief, and compensatory 
        and punitive damages for each person aggrieved by the 
        violation. With respect to compensatory damages, the aggrieved 
        person may elect, at any time before the rendering of final 
        judgment, to recover, in lieu of actual damages, an award of 
        statutory damages in the amount of $5,000 per violation. The 
        court may award to the prevailing party, other than the United 
        States, reasonable fees for attorneys and expert witnesses.
    ``(d) Rules of Construction.--(1) Nothing in this section shall be 
construed to prohibit any expressive conduct (including peaceful 
picketing or other peaceful demonstration) protected from legal 
prohibition by the first article of amendment to the Constitution.
    ``(2) Nothing in this section shall be construed to interfere with 
the authority of States to enforce State or local laws regulating the 
provision of reproductive health services.
    ``(e) Non-Preemption.--Congress does not intend this section to 
provide the exclusive remedies with respect to the conduct prohibited 
by it, nor to preempt the legislation of the States that may provide 
such remedies.
    ``(f) Definitions.--As used in this section, the following 
definitions apply:
            ``(1) Reproductive health services.--The term `reproductive 
        health services' means reproductive health services provided in 
        a hospital, clinic, physician's office, or other facility, and 
        includes medical, surgical, counselling or referral services 
        relating to the human reproductive system.
            ``(2) Facility.--The term `facility' includes the building 
        or structure in which the facility is located.
            ``(3) Physical obstruction.--The term `physical 
        obstruction' means rendering impassable ingress to or egress 
        from a facility that provides reproductive health services, or 
        rendering passage to or from such facility unreasonably 
        difficult.
            ``(4) State.--The term `State' includes a State of the 
        United States, the District of Columbia, and any commonwealth, 
        territory, or possession of the United States.
            ``(5) Intimidate.--The term `intimidate' means to place a 
        person in reasonable apprehension of bodily harm to himself or 
        herself or to another.''.

SEC. 3. EFFECTIVE DATE.

    This Act takes effect on the date of the enactment of this Act, and 
shall apply only with respect to conduct occurring on or after such 
date.

SEC. 4. CLERICAL AMENDMENT.

    The table of sections at the beginning of chapter 13 of title 18, 
United States Code, is amended by adding at the end the following new 
item:

``248. Blocking access to reproductive health services.''.

            Passed the House of Representatives November 18, 1993.

            Attest:

                                           DONNALD K. ANDERSON,

                                                                 Clerk.
answer:
Freedom of Access to Clinic Entrances Act of 1993 - Amends the Federal criminal code to prohibit:  (1) intentionally injuring, intimidating, or interfering with any person by force, threat of force, or physical obstruction because that person or any other person or class of persons is obtaining or providing reproductive health services; or (2) intentionally damaging or destroying the property of a facility because that facility provides reproductive health services.  Subjects violators to specified penalties (including up to life imprisonment if death results) or civil remedies, except that a parent or legal guardian or a minor shall not be subject to such a penalty or remedy insofar as such activities are directed exclusively at that minor. Authorizes civil actions by aggrieved persons, the Attorney General, and State attorneys general for violations.  Specifies that in any such action:  (1) the court may award appropriate relief (including temporary, preliminary, or permanent injunctive relief) and compensatory and punitive damages for each person aggrieved by the violation; and (2) with respect to compensatory damages, the aggrieved person may elect, at any time before the rendering of final judgment, to recover an award of statutory damages in the amount of $5,000 per violation in lieu of actual damages.  Authorizes the court to award reasonable fees for attorneys and expert witnesses to the prevailing party, other than the United States. Specifies that:  (1) nothing in this Act shall be construed to prohibit any expressive conduct (including peaceful picketing or other peaceful demonstration) protected from legal prohibition by the first amendment or interfere with the authority of States to enforce State or local laws regulating the provision of reproductive health services; and (2) the Congress does not intend this Act to provide the exclusive remedies with respect to the conduct prohibited by it, nor to preempt State legislation that may provide such remedies.


question:
SECTION 1. FINDINGS.

    Congress finds the following:
            (1) It is in the national interest that all citizens, 
        including active-duty service members, be allowed to vote in 
        Federal elections.
            (2) Since 1977, active-duty service members serving 
        overseas or on the United States mainland have been excluded 
        from fully participating and voting in both general and runoff 
        Federal elections in American Samoa due to several factors, 
        including local law that requires active duty military members 
        to register in person, limited air and mail service between the 
        U.S. mainland and American Samoa, and delays in the preparation 
        of new ballots in the case of runoff elections.
            (3) American Samoa law requiring uniformed service voters 
        to register to vote in person is contrary to the Uniformed and 
        Overseas Citizens Absentee Voting Act (42 U.S.C. 1973ff et 
        seq.).
            (4) The Uniformed and Overseas Citizens Absentee Voting Act 
        has been in effect for over 15 years, and American Samoa has 
        not addressed this discrepancy between Federal and territorial 
        law, despite notice that the discrepancy exists.
            (5) It is necessary to take additional action to ensure 
        that the votes of uniformed voters are counted in Federal 
        elections conducted in American Samoa and that active duty 
        service members (including reservists called to active duty) do 
        not need to appear in person to register to vote.
            (6) It is necessary to state that the Uniformed and 
        Overseas Citizens Absentee Voting Act supersedes American Samoa 
        law and American Samoa must comply with this Federal law.
            (7) It is also in the national interest that, to the extent 
        possible, Members of the United States House of Representatives 
        and non-voting Delegates be elected in the first week of 
        November in even-numbered years.
            (8) Since 1980, when the first election for the 
        Congressional Delegate from American Samoa was held, there have 
        been several general elections at which there was no final 
        resolution of who was elected as the Delegate for the next 
        Congress, and run-off elections were required.
            (9) When the outcome of the Delegate election is not 
        resolved until a runoff election is held, a final determination 
        of who the Delegate will be is not made known until late 
        November.
            (10) A delayed outcome may place a newly elected Delegate 
        in a more junior position to other Members of Congress elected 
        on the first Tuesday after the first Monday of November in an 
        election year.
            (11) When more than 2 candidates file to run for election 
        for the office of Delegate, holding a primary election to 
        reduce the number of candidates to 2 will greatly increase the 
        likelihood that the general election will produce a candidate 
        who receives a majority of the votes cast.

SEC. 2. PRIMARY ELECTION REQUIRED.

    Section 2(a) of the Act entitled ``An Act to provide that the 
Territory of American Samoa be represented by a nonvoting Delegate to 
the United States House of Representatives, and for other purposes'', 
approved October 31, 1978 (48 U.S.C. 1732(a)) is amended--
            (1) by inserting ``(1)'' after ``(a)''; and
            (2) by adding at the end the following new paragraphs:
    ``(2) In any general election year when 3 or more eligible 
individuals file by the first Tuesday of July as candidates for the 
office of Delegate, a primary election shall be held on the first 
Tuesday of August of that general election year. If the primary 
election results in 1 candidate receiving more than 50 percent of the 
votes cast, then that candidate shall be the only candidate on the 
ballot for the general election for Delegate that year. If the primary 
election results in no candidate receiving more than 50 percent of the 
votes cast, then the 2 candidates receiving the most votes cast shall 
be on the ballot for the general election year. If there is a tie for 
the 2 candidates receiving the most votes, the names of the 2 
candidates shall be listed on the ballot for that general election 
year.
    ``(3) Candidates for the office of Delegate to the United States 
House of Representatives must file their candidacy not later than the 
first Tuesday of July each year that a general election referred to in 
paragraph (1) is scheduled to be held.''.

SEC. 3. CONFORMING AMENDMENTS.

    Section 4 of the Act entitled ``An Act to provide that the 
Territory of American Samoa be represented by a nonvoting Delegate to 
the United States House of Representatives, and for other purposes'', 
approved October 31, 1978 (48 U.S.C. 1734), is amended by inserting 
``in a general Federal election'' after ``ties between candidates''.

SEC. 4. EFFECTIVE DATE.

    The amendments made by this Act shall take effect on January 1, 
2003.
answer:
Declares that it is necessary to state that the Uniformed and Overseas Citizens Absentee Voting Act supersedes American Samoa law and American Samoa must comply with it.Requires a primary election to be held in American Samoa on the first Tuesday of August of any general election year when three or more eligible individuals have filed by the first Tuesday of July as candidates for the office of Delegate representing American Samoa in the U.S. House of Representatives.


question:
SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Credit Card Consumer Protection Act 
of 1999''.

SEC. 2. FEES FOR ON-TIME PAYMENTS PROHIBITED.

    Section 127 of the Truth in Lending Act (15 U.S.C. 1637) is amended 
by adding at the end the following new subsection:
    ``(h) Fees for On-Time Payments Prohibited.--
            ``(1) In general.--In the case of any credit card account 
        under an open-end consumer credit plan, no minimum finance 
        charge for any period (including any annual period), and no fee 
        in lieu of a minimum finance charge, may be imposed with regard 
        to such account or credit extended under such account solely on 
        the basis that any credit extended has been repaid in full 
        before the end of any grace period applicable with respect to 
        the extension of credit.
            ``(2) Scope of application.--Paragraph (1) shall not be 
        construed as--
                    ``(A) prohibiting the imposition of any flat annual 
                fee which may be imposed on the consumer in advance of 
                any annual period to cover the cost of maintaining a 
                credit card account during such annual period without 
                regard to whether any credit is actually extended under 
                such account during such period; or
                    ``(B) otherwise affecting the imposition of the 
                actual finance charge applicable with respect to any 
                credit extended under such account during such annual 
                period at the annual percentage rate disclosed to the 
                consumer in accordance with this title for the period 
                of time any such credit is outstanding.''.

SEC. 3. FREEZE ON INTEREST RATE TERMS AND FEES ON CANCELED CARDS.

    Section 127 of the Truth in Lending Act (15 U.S.C. 1637) is amended 
by inserting after subsection (h) (as added by section 2 of this Act) 
the following new subsection:
    ``(i) Freeze on Interest Rate Terms and Fees on Canceled Cards.--
            ``(1) Advance notice of increase in interest rate 
        required.--In the case of any credit card account under an 
        open-end consumer credit plan, no increase in any annual 
        percentage rate of interest (other than an increase due solely 
        to a change in another rate of interest to which such rate is 
        indexed) applicable to any outstanding balance of credit under 
        such plan may take effect before the beginning of the billing 
        cycle which begins not less than 15 days after the 
        accountholder receives notice of such increase.
            ``(2) Increase not effective for canceled accounts.--If an 
        accountholder referred to in paragraph (1) cancels the credit 
        card account before the beginning of the billing cycle referred 
        to in such paragraph and surrenders all unexpired credit cards 
        issued in connection with such account--
                    ``(A) an annual percentage rate of interest 
                applicable after the cancellation with respect to the 
                outstanding balance on such account as of the date of 
                cancellation may not exceed any annual percentage rate 
                of interest applicable with respect to such balance 
                under the terms and conditions in effect before the 
                increase referred to in paragraph (1); and
                    ``(B) the repayment of such outstanding balance 
                after the cancellation shall be subject to all other 
                terms and conditions applicable with respect to such 
                account before the increase referred to in such 
                paragraph.
            ``(3) Notice of right to cancel.--The notice referred to in 
        paragraph (1) with respect to an increase in annual percentage 
        rate of interest shall contain a brief description of the right 
of the consumer--
                    ``(A) to cancel the account before the effective 
                date of the increase; and
                    ``(B) after such cancellation, to pay any balance 
                outstanding on such account at the time of cancellation 
                in accordance with the terms and conditions in effect 
                before the cancellation.''.

SEC. 4. DISCLOSURE OF FEES AND INTEREST RATES ON CREDIT ADVANCES 
              THROUGH THE USE OF 3D PARTY CHECKS.

    Section 127 of the Truth in Lending Act (15 U.S.C. 1637) is amended 
by inserting after subsection (i) (as added by section 3 of this Act) 
the following new subsection:
    ``(j) Fees and Interest Rates on Credit Advances Through the Use of 
3d Party Checks.--
            ``(1) In general.--In the case of any credit card account 
        under an open-end consumer credit plan, a creditor may not 
        provide the accountholder with any negotiable or transferable 
        instrument for use in making an extension of credit to the 
        accountholder for the purpose of making a transfer to a 3d 
        party, unless the creditor has fully satisfied the notice 
        requirements of paragraph (2) with respect to such instrument.
            ``(2) Notice requirements.--A creditor meets the notice 
        requirements of this paragraph with respect to an instrument 
        referred to in paragraph (1) if the creditor provides, to an 
        accountholder at the same time any such instrument is provided, 
        a notice which prominently and specifically describes--
                    ``(A) the amount of any transaction fee which may 
                be imposed for making an extension of credit through 
                the use of such instrument, including the exact 
                percentage rate to be used in determining such amount 
                if the amount of the transaction fee is expressed as a 
                percentage of the amount of the credit extended; and
                    ``(B) any annual percentage rate of interest 
                applicable in determining the finance charge for any 
                such extension of credit.''.

SEC. 5. PROHIBITION ON OVER-THE-LIMIT FEES IN CREDITOR-APPROVED 
              TRANSACTIONS.

    Section 127 of the Truth in Lending Act (15 U.S.C. 1637) is amended 
by inserting after subsection (j) (as added by section 4 of this Act) 
the following new subsection:
    ``(k) Limitation on Imposition of Over-the-Limit Fees.--In the case 
of any credit card account under an open-end consumer credit plan, a 
creditor may not impose any fee on the accountholder for any extension 
of credit in excess of the amount of credit authorized to be extended 
with respect to such account if the extension of credit is made in 
connection with a credit transaction which the creditor approves in 
advance or at the time of the transaction.''.

SEC. 6. PROHIBITION ON 2-CYCLE BILLING.

    Section 127 of the Truth in Lending Act (15 U.S.C. 1637) is amended 
by inserting after subsection (k) (as added by section 5 of this Act) 
the following new subsection:
    ``(l) Prohibition on 2-Cycle Billing.--In the case of any credit 
card account under an open-end consumer credit plan, if the creditor 
provides, with regard to any new extension of credit under such 
account, a period during which such extension of credit may be repaid 
without incurring a finance charge for such extension of credit, no 
finance charge may subsequently be imposed for such period with regard 
to any unpaid balance (as of the end of such period) of such extension 
of credit.''.

SEC. 7. DISCLOSURES RELATED TO ``TEASER RATES''.

    Section 127(c) of the Truth in Lending Act (15 U.S.C. 1637(c)) is 
amended--
          (1) by redesignating paragraph (5) as paragraph (6); and
            (2) by inserting after paragraph (4) the following new 
        paragraph:
            ``(5) Additional notice concerning `teaser rates'.--
                    ``(A) In general.--If any application or 
                solicitation for a credit card for which a disclosure 
                is required under this subsection offers, for an 
                introductory period of less than 1 year, an annual 
                percentage rate of interest which--
                            ``(i) is less than the annual percentage 
                        rate of interest which will apply after the end 
                        of such introductory period; or
                            ``(ii) in the case of an annual percentage 
                        rate which varies in accordance with an index, 
                        which is less than the current annual 
                        percentage rate under the index which will 
                        apply after the end of such period,
                the application or solicitation shall contain the 
                disclosure contained in subparagraph (B) or (C), as the 
                case may be.
                    ``(B) Fixed annual percentage rate.--If the annual 
                percentage rate which will apply after the end of the 
                introductory period will be a fixed rate, the 
                application or solicitation shall include the following 
                disclosure: ``The annual percentage rate of interest 
                applicable during the introductory period is not the 
                annual percentage rate which will apply after the end 
                of the introductory period. The permanent annual 
                percentage rate will apply after (insert date) and will 
                be (insert percentage rate).''.
                    ``(C) Variable annual percentage rate.--If the 
                annual percentage rate which will apply after the end 
                of the introductory period will vary in accordance with 
                an index, the application or solicitation shall include 
                the following disclosure: ``The annual percentage rate 
                of interest applicable during the introductory period 
                is not the annual percentage rate which will apply 
                after the end of the introductory period. The permanent 
                annual percentage rate will be determined by an index 
                and will apply after (insert date). If the index which 
                will apply after such date were applied to your account 
                today, the annual percentage rate would be (insert 
                percentage rate).''.
                    ``(D) Form of disclosure.--The disclosure required 
                under this paragraph shall be made in a clear and 
                conspicuous manner in a form at least as prominent as 
                the disclosure of the annual percentage rate of 
                interest which will apply during the introductory 
                period.''.

SEC. 8. DISCLOSURES RELATING TO THE DATES PAYMENTS ARE DUE.

    Section 127(b)(9) of the Truth in Lending Act (15 U.S.C. 
1637(b)(9)) is amended by striking ``The date by which or the period 
(if any) within which, payment must be made to avoid additional finance 
charges,'' and inserting ``In a prominent place on the face of the 
statement, the date of the last full business day on which payment may 
be received before the imposition of late fees or additional finance 
charges (without regard to whether payment may be received on a 
subsequent nonbusiness day or during a portion of a subsequent business 
day before any such fee or charge is imposed) and a conspicuous notice 
that the failure to remit payment in sufficient time for the payment to 
be processed by such date may result in substantial late fees or 
additional finance charges,''.

SEC. 9. PROHIBITION ON MINIMUM PAYMENT AMOUNTS THAT RESULT IN NEGATIVE 
              AMORTIZATION.

    Section 127 of the Truth in Lending Act (15 U.S.C. 1637) is amended 
by inserting after subsection (l) (as added by section 6 of this Act) 
the following new subsection:
    ``(m) Prohibition on Minimum Payment Amounts That Result in 
Negative Amortization.--
            ``(1) In general.--In the case of any credit card account 
        under an open-end consumer credit plan, the minimum amount of 
        any periodic payment required to be made on any outstanding 
        balance may not be less than the finance charge applicable with 
        respect to such outstanding balance for such period.
            ``(2) Disclosures required in case of low amortization 
        rate.--If, in the case of any credit card account under an 
        open-end consumer credit plan, the minimum amount of any 
        periodic payment required to be made on any outstanding balance 
        reduces the outstanding balance by less than 2 percent of such 
        balance, after payment of any finance charge and fees imposed 
        for such period, the periodic statement required under 
        subsection (b) with respect to such account shall include a 
        conspicuous notice in a prominent place on the statement of--
                    ``(A) the fact that the outstanding balance will be 
                reduced by less than 2 percent if the consumer only 
                pays the minimum amount; and
                    ``(B) the period of time which would be required to 
                pay off the outstanding balance if the consumer paid 
                only the minimum amount of each periodic payment 
                required until such balance is fully repaid.
            ``(3) Exception under exigent circumstances.--In addition 
        to any other authority of the Board under this title to 
        prescribe regulations, the Board may prescribe regulations 
        which permit exceptions to the application of paragraph (1) 
        with respect to any consumer who requests a creditor to agree 
        to a payment deferral plan for a limited period of time due to 
        loss of employment, illness, or incapacity, or such other 
        exigent circumstances the Board may describe in such 
        regulations.''.
answer:

Credit Card Consumer Protection Act of 1999- Amends the Truth in Lending Act to: (1) prohibit fee assessment against a credit card account under an open-end consumer credit plan solely on the basis of on-time payments; (2) require advance notice of any interest rate increase for a credit card account, and of the consumer's right to cancel such account before the effective date of that increase; and (3) prohibit post-cancellation increases in interest rates and fees on the outstanding balance of any canceled cards. 
Mandates disclosure to a credit card account holder of the fees and interest rates imposed upon credit advances through the use of third party checks. 
Proscribes over-the-limit fees in creditor-approved transactions, and two-cycle billing. 
Prescribes additional notice requirements governing: (1) introductory rates to identify the fixed and variable interest rate which will apply following the introductory period; (2) last payment date and payment processing date before imposition of late fees; and (3) the period of time required to pay off the outstanding balance if only the minimum payment is forwarded.