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 ``Armed Forces Behavioral Health 
Awareness Act''.

SEC. 2. ELIGIBILITY OF MEMBERS OF THE ARMED FORCES WHO SERVE IN 
              OPERATION IRAQI FREEDOM OR OPERATION ENDURING FREEDOM FOR 
              READJUSTMENT COUNSELING AND SERVICES THROUGH VET CENTERS.

    (a) In General.--A member of the Armed Forces, including the 
Reserve components, who is deployed in support of Operation Enduring 
Freedom or Operation Iraqi Freedom shall be eligible for readjustment 
counseling and related mental health services under section 1712A of 
title 38, United States Code, through the centers for readjustment 
counseling and related mental health services (commonly known as ``Vet 
Centers'') operated by the Secretary of Veterans Affairs under that 
section.
    (b) Eligibility.--
            (1) Regulations.--Except as provided in paragraph (2), the 
        eligibility of a member of the Armed Forces, including the 
        Reserve components, for counseling and services under 
        subsection (a) shall be subject to such regulations as the 
        Secretary of Defense and the Secretary of Veterans Affairs 
        shall jointly prescribe for purposes of this section.
            (2) Duty status.--The duty status of a member may not have 
        an effect on the eligibility of the member to receive 
        counseling and services under subsection (a).

SEC. 3. GRANTS FOR NONPROFIT ORGANIZATIONS FOR THE PROVISION OF 
              EMOTIONAL SUPPORT SERVICES TO FAMILY MEMBERS OF MEMBERS 
              OF THE ARMED FORCES.

    (a) In General.--The Secretary of Defense shall carry out a program 
to award grants to nonprofit organizations that provide emotional 
support services for family members of members of the Armed Forces, 
including the Reserve components.
    (b) Award of Grants.--
            (1) Eligibility.--To be eligible for a grant under the 
        program under this section, a nonprofit organization shall meet 
        such criteria as the Secretary shall establish for purposes of 
        the program.
            (2) Application.--A nonprofit organization seeking a grant 
        under the program shall submit to the Secretary an application 
        for the grant in such form and manner as the Secretary shall 
        specify for purposes of the program.
    (c) Grants.--
            (1) Amount.--The amount of each grant awarded to a 
        nonprofit organization under the program under this section 
        shall be such amount as the Secretary determines appropriate 
        for purposes of the program.
            (2) Duration.--The duration of each grant awarded to a 
        nonprofit organization shall be such period as the Secretary 
        determines appropriate for purposes of the program.
    (d) Use of Grant Funds.--Each nonprofit organization awarded a 
grant under the program under this section shall use amounts under the 
grant to provide emotional support services for family members of 
members of the Armed Forces, including the Reserve components, through 
certain programs as the Secretary shall specify in the grant.
    (e) Funding.--Amounts for grants under the program under this 
section shall be derived from amounts authorized to be appropriated to 
the Department of Defense for military personnel.

SEC. 4. PILOT PROGRAM TO ENHANCE AWARENESS OF POST-TRAUMATIC STRESS 
              DISORDER.

    (a) Pilot Program Required.--The Secretary of the Army shall carry 
out a pilot program to enhance awareness of post-traumatic stress 
disorder among members of the Army. The Secretary shall carry out the 
pilot program in the following locations:
            (1) Fort Huachuca, Arizona.
            (2) Fort Carson, Colorado.
            (3) Fort Leonard Wood, Missouri.
    (b) Activities.--
            (1) In general.--In carrying out the pilot program, the 
        Secretary shall implement activities that--
                    (A) for a member of the Army who will be deployed 
                in support of a contingency operation, increase the 
                understanding of--
                            (i) the neurophysiological effects of 
                        stress and trauma associated with combat, 
                        including post-traumatic stress disorder; and
                            (ii) the means of eliminating or mitigating 
                        such effects after returning from combat;
                    (B) for a member of the Army deployed in support of 
                a contingency operation, reinforce the information 
                provided under subparagraph (A);
                    (C) for a member of the Army who returns from being 
                deployed in support of a contingency operation, assist 
                the member in reintegrating into noncombat life; and
                    (D) for the family of a member of the Army covered 
                under this subsection, include training and assistance 
                (including Internet-based training and assistance) at 
                each stage of deployment in order to assist the family 
                and member in recognizing and addressing post-traumatic 
                stress disorder.
            (2) Development of activities.--In developing activities 
        under this subsection, the Secretary shall consider methods to 
        address stress and trauma used by other appropriate 
        populations, including special operations forces and elite 
        athlete communities.
    (c) Duration.--The Secretary shall carry out the pilot program for 
a period of three years.
    (d) Report.--Not later than two years after the date of the 
enactment of this Act, the Secretary shall submit to Congress a report 
assessing the pilot program, including the effectiveness of the 
activities under subsection (b).

A: Armed Forces Behavioral Health Awareness Act - Makes any member of the Armed Forces who is deployed in support of Operations Iraqi Freedom or Enduring Freedom eligible for readjustment counseling and related mental health services through Vet Centers (centers for such counseling and services for veterans), regardless of the member's duty status.

Directs the Secretary of Defense to award grants to nonprofit organizations that provide emotional support services for family members of members of the Armed Forces, including members of the reserves.

Requires the Secretary of the Army to carry out a pilot program to enhance awareness of post-traumatic-stress-disorder (PTSD) among members of the Army.
****
Q: SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Next Generation Internet Research 
Act of 1998''.

SEC. 2. DEFINITIONS.

    (a) Terms Used in This Act.--For purposes of this Act--
            (1) Internet.--The term ``Internet'' has the meaning given 
        such term by section 230(e)(1) of the Communications Act of 
        1934 (47 U.S.C. 230(e)(1)).
            (2) Geographic penalty.--The term ``geographic penalty'' 
        means the imposition of costs on users of the Internet in rural 
        or other locations attributable to the distance of the user 
        from network facilities, the low population density of the area 
        in which the user is located, or other factors, that are 
        disproportionately greater than the costs imposed on users in 
        locations closer to such facilities or on users in locations 
        with significantly greater population density.
    (b) Definition of Network in High-Performance Computing Act of 
1991.--Paragraph (4) of section 4 of the High-Performance Computing Act 
of 1991 (15 U.S.C. 5503) is amended by striking ``network referred to 
as the National Research and Education Network established under 
section 102; and'' and inserting ``network, including advanced computer 
networks of Federal agencies and departments; and''.

SEC. 3. FINDINGS.

    (a) In General.--The Congress finds that--
            (1) United States leadership in science and technology has 
        been vital to the Nation's prosperity, national and economic 
        security, and international competitiveness, and there is every 
        reason to believe that maintaining this tradition will lead to 
        long-term continuation of United States strategic advantages in 
        information technology;
            (2) the United States' investment in science and technology 
        has yielded a scientific and engineering enterprise without 
        peer, and that Federal investment in research is critical to 
        the maintenance of United States leadership;
            (3) previous Federal investment in computer networking 
        technology and related fields has resulted in the creation of 
        new industries and new jobs in the United States;
            (4) the Internet is playing an increasingly important role 
        in keeping citizens informed of the actions of their 
        government; and
            (5) continued inter-agency cooperation is necessary to 
        avoid wasteful duplication in Federal networking research and 
        development programs.
    (b) Additional Findings for the 1991 Act.--Section 2 of the High-
Performance Computing Act of 1991 (15 U.S.C. 5501) is amended by--
            (1) striking paragraph (4) and inserting the following:
            ``(4) A high-capacity, flexible, high-speed national 
        research and education computer network is needed to provide 
        researchers and educators with access to computational and 
        information resources, act as a test bed for further research 
        and development for high-capacity and high-speed computer 
        networks, and provide researchers the necessary vehicle for 
        continued network technology improvement through research.''; 
        and
            (2) adding at the end thereof the following:
            ``(7) Additional research must be undertaken to lay the 
        foundation for the development of new applications that can 
        result in economic growth, improved health care, and improved 
        educational opportunities.
            ``(8) Research in new networking technologies holds the 
        promise of easing the economic burdens of information access 
        disproportionately borne by rural users of the Internet.
            ``(9) Information security is an important part of 
        computing, information, and communications systems and 
        applications, and research into security architectures is a 
        critical aspect of computing, information, and communications 
        research programs.''.

SEC. 4. PURPOSES.

    (a) In General.--The purposes of this Act are--
            (1) to serve as the first authorization in a series of 
        computing, information, and communication technology 
        initiatives outlines in the High-Performance Computing Act of 
        1991 (15 U.S.C. 5501 et seq.) that will include research 
        programs related to--
                    (A) high-end computing and computation;
                    (B) human-centered systems;
                    (C) high confidence systems; and
                    (D) education, training, and human resources; and
            (2) to provide for the development and coordination of a 
        comprehensive and integrated United States research program 
        which will--
                    (A) focus on the research and development of a 
                coordinated set of technologies that seeks to create a 
                network infrastructure that can support greater speed, 
                robustness, and flexibility than is currently available 
                and promote connectivity and interoperability among 
                advanced computer networks of Federal agencies and 
                departments;
                    (B) focus on research in technology that may result 
                in high-speed data access for users that is both 
                economically viable and does not impose a geographic 
                penalty; and
                    (C) encourage researchers to pursue approaches to 
                networking technology that lead to maximally flexible 
                and extensible solutions wherever feasible.
    (b) Modification of Purposes of the 1991 Act.--Section 3 of the 
High-Performance Computing Act of 1991 (15 U.S.C. 5502) is amended by--
            (1) striking the section caption and inserting the 
        following:

``SEC. 3. PURPOSES.'';

            (2) striking ``purpose of this Act is'' and inserting 
        ``purposes of this Act are'';
            (3) striking ``universities; and'' in paragraph (1)(I) and 
        inserting ``universities;'';
            (4) striking ``efforts.'' in paragraph (2) and inserting 
        ``network research and development programs;''; and
            (5) adding at the end thereof the following:
            ``(3) promoting the further development of an information 
        infrastructure of information stores, services, access 
        mechanisms, and research facilities available for use through 
        the Internet;
            ``(4) promoting the more rapid development and wider 
        distribution of networking management and development tools; 
        and
            ``(5) promoting the rapid adoption of open network 
        standards.''.

SEC. 5. DUTIES OF ADVISORY COMMITTEE.

    Title I of the High-Performance Computing Act of 1991 (15 U.S.C 
5511 et seq.) is amended by adding at the end thereof the following:

``SEC. 103. ADVISORY COMMITTEE.

    ``(a) In General.--In addition to its functions under Executive 
Order 13035 (62 F.R. 7231), the Advisory Committee on High-Performance 
Computing and Communications, Information Technology, and the Next 
Generation Internet, established by Executive Order No. 13035 of 
February 11, 1997 (62 F.R. 7231) shall--
            ``(1) assess the extent to which the Next Generation 
        Internet program--
                    ``(A) carries out the purposes of this Act;
                    ``(B) addresses concerns relating to, among other 
                matters--
                            ``(i) geographic penalties (as defined in 
                        section 2(2) of the Next Generation Internet 
                        Research Act of 1998); and
                            ``(ii) technology transfer to and from the 
                        private sector; and
            ``(2) assess the extent to which--
                    ``(A) the role of each Federal agency and 
                department involved in implementing the Next Generation 
                Internet program is clear, complementary to and non-
                duplicative of the roles of other participating 
                agencies and departments; and
                    ``(B) each such agency and department concurs with 
                the rule of each other participating agency or 
                department.
    ``(b) Reports.--The Advisory Committee shall assess implementation 
of the Next Generation Internet initiative and report, not less 
frequently than annually, to the President, the United States Senate 
Committee on Commerce, Science, and Transportation, and the United 
States House of Representatives Committee on Science on its findings 
for the preceding fiscal year. The first such report shall be submitted 
6 months after the date of enactment of the Next Generation Internet 
Research Act of 1998 the last report shall be submitted by September 
30, 2000.''.

SEC. 6. AUTHORIZATION OF APPROPRIATIONS.

    Title I of the High-Performance Computing Act of 1991 (15 U.S.C 
5511 et seq.), as amended by section 5 of this Act, is amended by 
adding at the end thereof the following:

``SEC. 104. AUTHORIZATION OF APPROPRIATIONS.

    ``There are authorized to be appropriated for the purpose of 
carrying out the Next Generation Internet program the following 
amounts:


------------------------------------------------------------------------
                  ``Agency                     FY 1999        FY 2000
------------------------------------------------------------------------
``Department of Defense....................  $40,000,000     $42,500,000
``Department of Energy.....................  $20,000,000     $25,000,000
``National Science Foundation..............  $25,000,000     $25,000,000
``National Institutes of Health............   $5,000,000      $7,500,000
``National Aeronautics and Space
 Administration............................  $10,000,000     $10,000,000
``National Institute of Standards and
 Technology................................   $5,000,000     $7,500,000.
------------------------------------------------------------------------

The amount authorized for the Department of Defense for fiscal year 
1999 under this section shall be the amount authorized pursuant to the 
National Defense Authorization Act for Fiscal Year 1999.''.

SEC. 7. STUDY OF EFFECTS ON TRADEMARKS AND INTELLECTUAL PROPERTY RIGHTS 
              OF ADDING GENERIC TOP-LEVEL DOMAINS.

    (a) Study by National Research Council.--Not later than 60 days 
after the date of enactment of this Act, the Secretary of Commerce 
shall request the National Research Council of the National Academy of 
Sciences to conduct a comprehensive study, taking into account the 
diverse needs of domestic and international Internet users, of the 
short-term and long-term effects on trademark and intellectual property 
rights holders of adding new generic top-level domains and related 
dispute resolution procedures.
    (b) Matters To Be Assessed In Study.--The study shall assess and, 
as appropriate, make recommendations for policy, practice, or 
legislative changes relating to--
            (1) the short-term and long-term effects on the protection 
        of trademark and intellectual property rights and consumer 
        interests of increasing or decreasing the number of generic 
        top-level domains;
            (2) trademark and intellectual property rights clearance 
        processes for domain names, including--
                    (A) whether domain name databases should be readily 
                searchable through a common interface to facilitate the 
                clearing of trademarks and intellectual property rights 
                and proposed domain names across a range of generic 
                top-level domains;
                    (B) the identification of what information from 
                domain name databases should be accessible for the 
                clearing of trademarks and intellectual property 
                rights; and
                    (C) whether generic top-level domain registrants 
                should be required to provide certain information;
            (3) domain name trademark and intellectual property rights 
        dispute resolution mechanisms, including how to--
                    (A) reduce trademark and intellectual property 
                rights conflicts associated with the addition of any 
                new generic top-level domains; and
                    (B) reduce trademark and intellectual property 
                rights conflicts through new technical approaches to 
                Internet addressing;
            (4) choice of law or jurisdiction for resolution of 
        trademark and intellectual property rights disputes relating to 
        domain names, including which jurisdictions should be available 
        for trademark and intellectual property rights owners to file 
        suit to protect such trademarks and intellectual property 
        rights;
            (5) trademark and intellectual property rights infringement 
        liability for registrars, registries, or technical management 
        bodies; and
            (6) short-term and long-term technical and policy options 
        for Internet addressing schemes and the impact of such options 
        on current trademark and intellectual property rights issues.
    (c) Cooperation With Study.--
            (1) Interagency cooperation.--The Secretary of Commerce 
        shall--
                    (A) direct the Patent and Trademark Office, the 
                National Telecommunications and Information 
                Administration, and other Department of Commerce 
                entities to cooperate fully with the National Research 
                Council in its activities in carrying out the study 
                under this section; and
                    (B) request all other appropriate Federal 
                departments, Federal agencies, Government contractors, 
                and similar entities to provide similar cooperation to 
                the National Research Council.
            (2) Private corporation cooperation.--The Secretary of 
        Commerce shall request that any private, not-for-profit 
        corporation established to manage the Internet root server 
        system and the top-level domain names provide similar 
        cooperation to the National Research Council.
    (d) Report.--
            (1) In general.--Not later than 12 months after the date of 
        enactment of this Act, the National Research Council shall 
        complete the study under this section and submit a report on 
        the study to the Secretary of Commerce. The report shall set 
        forth the findings, conclusions, and recommendations of the 
        Council concerning the effects of adding new generic top-level 
        domains and related dispute resolution procedures on trademark 
        and intellectual property rights holders.
            (2) Submission to congressional committees.--Not later than 
        30 days after the date on which the report is submitted to the 
        Secretary of Commerce, the Secretary shall submit the report to 
        the Committees on Commerce and the Committees on the Judiciary 
        of the Senate and House of Representatives.
    (e) Authorization of Appropriations.--There is authorized to be 
appropriated $800,000 for the study conducted under this Act.

            Passed the Senate June 26, 1998.

            Attest:

                                                    GARY SISCO,

                                                             Secretary.

A: Next Generation Internet Research Act of 1998 - Declares the purposes of this Act to be to:  (1) serve as the first authorization in a series of computing, information, and communication technology initiatives outlined in the High-Performance Computing Act of 1991 (HPCA); and (2) provide for the development and coordination of a comprehensive and integrated U.S. research program on computer network infrastructure, high-speed data access, and networking technology. Directs the Advisory Committee on High-Performance Computing and Communications, Information Technology, and the Next Generation Internet (created under the HPCA) to assess the extent to which:  (1) the Next Generation Internet program (program) carries out the purposes of this Act and addresses concerns relating to geographic penalties (costs imposed on Internet users in rural or small population areas that are greater than those imposed on users in large population areas or areas closer to network facilities) and technology transfer to and from the private sector; and (2) the role of each Federal department and agency involved in implementing the program is clear, complementary, and non-duplicative, as well as the extent to which each such department and agency concurs with the role of each other participating department or agency. 
Requires the Advisory Committee to assess program implementation and report at least annually to the President and specified congressional committees. 
Authorizes appropriations for FY 1999 and 2000 for the program. Requires the amount authorized for the Department of Defense for FY 1999 to be the amount authorized pursuant to the National Defense Authorization Act for FY 1999. 
Directs the Secretary of Commerce to request the National Research Council of the National Academy of Sciences to conduct a comprehensive study, taking into account the diverse needs of domestic and international Internet users, of the short-term and long-term effects on trademark and intellectual property rights holders of adding new generic top-level domains and related dispute resolution procedures. Sets forth reporting requirements for the Council and the Secretary. Authorizes appropriations.
****
Q: SECTION 1. SHORT TITLE.

    This Act may be cited as the ``Protecting Consumers from 
Unreasonable Credit Rates Act of 2017''.

SEC. 2. FINDINGS.

    Congress finds that--
            (1) attempts have been made to prohibit usurious interest 
        rates in America since colonial times;
            (2) at the Federal level, in 2006, Congress enacted a 
        Federal 36-percent annualized usury cap for servicemembers and 
        their families for covered credit products, as defined by the 
        Department of Defense, which curbed payday, car title, and tax 
        refund lending around military bases;
            (3) notwithstanding such attempts to curb predatory 
        lending, high-cost lending persists in all 50 States due to 
        loopholes in State laws, safe harbor laws for specific forms of 
        credit, and the exportation of unregulated interest rates 
        permitted by preemption;
            (4) due to the lack of a comprehensive Federal usury cap, 
        consumers annually pay approximately $14,000,000,000 on high-
        cost overdraft loans, as much as approximately $7,000,000,000 
        on storefront and online payday loans, $3,800,000,000 on car 
        title loans, and additional amounts in unreported revenues on 
        high-cost online installment loans;
            (5) cash-strapped consumers pay on average approximately 
        400 percent annual interest for payday loans, 300 percent 
        annual interest for car title loans, up to 17,000 percent or 
        higher for bank overdraft loans, and triple-digit rates for 
        online installment loans;
            (6) a national maximum interest rate that includes all 
        forms of fees and closes all loopholes is necessary to 
        eliminate such predatory lending; and
            (7) alternatives to predatory lending that encourage small 
        dollar loans with minimal or no fees, installment payment 
        schedules, and affordable repayment periods should be 
        encouraged.

SEC. 3. NATIONAL MAXIMUM INTEREST RATE.

    Chapter 2 of the Truth in Lending Act (15 U.S.C. 1631 et seq.) is 
amended by adding at the end the following:

``SEC. 140B. MAXIMUM RATES OF INTEREST.

    ``(a) In General.--Notwithstanding any other provision of law, a 
creditor may not make an extension of credit to a consumer with respect 
to which the fee and interest rate, as defined in subsection (b), 
exceeds 36 percent.
    ``(b) Fee and Interest Rate Defined.--
            ``(1) In general.--For purposes of this section, the term 
        `fee and interest rate' includes all charges payable (directly 
        or indirectly) that are incident to, ancillary to, or as a 
        condition of an extension of credit, including--
                    ``(A) any payment compensating a creditor or 
                prospective creditor for--
                            ``(i) an extension of credit or making 
                        available a line of credit, such as fees 
                        connected with credit extension or availability 
                        (including numerical periodic rates, annual 
                        fees, cash advance fees, and membership fees); 
                        or
                            ``(ii) any fees for default or breach by a 
                        borrower of a condition upon which credit was 
                        extended, such as late fees, creditor-imposed 
                        fees charged when a borrower tenders payment on 
                        a debt with a check drawn on insufficient 
                        funds, overdraft fees, and over limit fees;
                    ``(B) all fees which constitute a finance charge, 
                as defined by rules of the Bureau in accordance with 
                this title;
                    ``(C) credit insurance premiums, whether optional 
                or required; and
                    ``(D) all charges and costs for ancillary products 
                sold in connection with or incidental to the credit 
                transaction.
            ``(2) Tolerances.--
                    ``(A) In general.--With respect to a credit 
                obligation that is payable in at least 3 fully 
                amortizing installments over a period of 90 days or 
                more, the term `fee and interest rate' does not 
                include--
                            ``(i) an application or participation fee 
                        that in total do not exceed the greater of $30 
                        or, if there is a limit to the credit line, 5 
                        percent of the credit limit, up to $120, if--
                                    ``(I) such fees are excludable from 
                                the finance charge determined under 
                                section 106;
                                    ``(II) such fees cover all credit 
                                extended or renewed by the creditor to 
                                the borrower for 12 months; and
                                    ``(III) the minimum amount of 
                                credit extended or available on a 
                                credit line is equal to $300 or more;
                            ``(ii) a late fee that does not exceed 
                        either $20 per late payment or $20 per month, 
                        charged as authorized by State law or by an 
                        agreement between the creditor and the 
                        borrower; or
                            ``(iii) a creditor-imposed fee that does 
                        not exceed $15, charged when a borrower tenders 
                        payment on a debt with a check drawn on 
                        insufficient funds.
                    ``(B) Adjustments for inflation.--The Bureau may 
                adjust the amounts of the tolerances established under 
                this paragraph for inflation over time, consistent with 
                the primary goals of protecting consumers and 
                preventing circumvention of the 36-percent fee and 
                interest rate limitation established under subsection 
                (a).
    ``(c) Calculations.--
            ``(1) Open end credit plans.--For an open end credit plan--
                    ``(A) the fee and interest rate shall be calculated 
                each month, based upon the sum of all fees, charges, 
                and payments described in subsection (b) charged by the 
                creditor during the preceding 1-year period, divided by 
                the average daily balance; and
                    ``(B) if the credit account has been open less than 
                1 year, the fee and interest rate shall be calculated 
                based upon the total of all fees, charges, and payments 
                described in subsection (b)(1) charged by the creditor 
                since the plan was opened, divided by the average daily 
                balance, and multiplied by the quotient of 12 divided 
                by the number of full months that the credit plan has 
                been in existence.
            ``(2) Other credit plans.--For purposes of this section, in 
        calculating the fee and interest rate, the Bureau shall require 
        the method of calculation of annual percentage rate specified 
        in section 107(a)(1), except that the amount referred to in 
        that section 107(a)(1) as the `finance charge' shall include 
        all fees, charges, and payments described in subsection (b)(1) 
        of this section.
            ``(3) Adjustments authorized.--The Bureau may make 
        adjustments to the calculations in paragraphs (1) and (2), if 
        the primary goal of such adjustment is to protect consumers and 
        to prevent circumvention of the 36-percent fee and interest 
        rate limitation established under subsection (a).
    ``(d) Definition of Creditor.--As used in this section, the term 
`creditor' has the same meaning as in section 702(e) of the Equal 
Credit Opportunity Act (15 U.S.C. 1691a(e)).
    ``(e) No Exemptions Permitted.--The exemption authority of the 
Bureau under section 105 shall not apply to this section or to the 
disclosure requirements under section 127(b)(6).
    ``(f) Disclosure of Fee and Interest Rate for Credit Other Than 
Open End Credit Plans.--In addition to the disclosure requirements 
under section 127(b)(6), the Bureau may prescribe regulations requiring 
disclosure of the fee and interest rate established under this section.
    ``(g) Relation to State Law.--Nothing in this section may be 
construed to preempt any provision of State law that provides greater 
protection to consumers than is provided in this section.
    ``(h) Civil Liability and Enforcement.--In addition to remedies 
available to the consumer under section 130(a), any payment 
compensating a creditor or prospective creditor, to the extent that 
such payment is a transaction made in violation of this section, shall 
be null and void, and not enforceable by any party in any court or 
alternative dispute resolution forum, and the creditor or any 
subsequent holder of the obligation shall promptly return to the 
consumer any principal, interest, charges, and fees, and any security 
interest associated with such transaction. Notwithstanding any statute 
of limitations or repose, a violation of this section may be raised as 
a matter of defense by recoupment or setoff to an action to collect 
such debt or repossess related security at any time.
    ``(i) Violations.--Any person that violates this section, or seeks 
to enforce an agreement made in violation of this section, shall be 
subject to, for each such violation, 1 year in prison and a fine in an 
amount equal to the greater of--
            ``(1) 3 times the amount of the total accrued debt 
        associated with the subject transaction; or
            ``(2) $50,000.
    ``(j) State Attorneys General.--An action to enforce this section 
may be brought by the appropriate State attorney general in any United 
States district court or any other court of competent jurisdiction 
within 3 years from the date of the violation, and such attorney 
general may obtain injunctive relief.''.

SEC. 4. DISCLOSURE OF FEE AND INTEREST RATE FOR OPEN END CREDIT PLANS.

    Section 127(b)(6) of the Truth in Lending Act (15 U.S.C. 
1637(b)(6)) is amended by striking ``the total finance charge 
expressed'' and all that follows through the end of the paragraph and 
inserting ``the fee and interest rate, displayed as `FAIR', established 
under section 140B.''.

A:
Protecting Consumers from Unreasonable Credit Rates Act of  2017  This bill amends the Truth in Lending Act to prohibit a creditor from extending credit to a consumer under an open end consumer credit plan (credit card) for which the fee and interest rate exceeds 36%. The bill also sets forth criminal penalties for violations and empowers state Attorneys General to enforce the bill. Credit card billing statements must include the fee and interest rate, displayed as &quot;FAIR,&quot; instead of the total finance charge expressed as an annual percentage rate (APR).
****