In this task, you are given a summary for US Congressional and California state bill, your task is to generate a Title for this bill. The preferred titles are under forty words and mention the purpose of the bill.

Ex Input:
Improving Access to Mainstream Financial Institutions Act of 2008 - Authorizes the Secretary of the Treasury to award grants, including multi-year grants, to specified eligible entities to establish an account in a federally insured depository institution for low- and moderate-income individuals who currently do not have such an account. Includes among such eligible entities: (1) Alaska Native Corporations; (2) Native Hawaiian organizations; and (3) labor organizations.

Authorizes the Secretary to award demonstration project grants to eligible entities to provide low-cost, small loans to consumers that will provide alternatives to more costly, predatory payday loans. Requires such entities to be: (1) tax-exempt charitable organizations; (2) federally insured depository institutions; (3) community development financial institutions; or (4) partnerships comprised of one or more of such entities. Requires grant recipients to offer financial literacy and education opportunities to each consumer provided with a loan pursuant to this Act.

Ex Output:
A bill to authorize a grant program to provide for expanded access to mainstream financial institutions.


Ex Input:
Consumer Telephone Records Protection Act of 2006 - Amends the federal criminal code to prohibit: (1) the obtaining by fraud or other unauthorized means of confidential phone records information from a telecommunications carrier or IP-enabled voice service provider (covered entity); and (2) the sale of such records by any person, including any employee of a covered entity. Exempts law enforcement agencies.

 Imposes a fine and/or imprisonment for up to five years. Doubles such penalties for violations occurring in a 12-month period involving more than $100,000 or more than 50 customers of a covered entity.

Ex Output:
A bill to make the stealing and selling of telephone records a criminal offense.


Ex Input:
Amends the Internal Revenue Code to allow affiliated life and non-life insurance companies to file consolidated tax returns.

Allows: (1) a phasein, between 2007 and 2013, of the full application of losses of affiliated non-life insurance companies against the taxable income of an affiliated life insurance company; and (2) an automatic waiver of the five-year waiting period applicable to affiliated non-life insurance companies for offset of their losses against life insurance company income.

Ex Output:

A bill to amend the Internal Revenue Code of 1986 to permit the consolidation of life insurance companies with other companies.