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

[EX Q]: OF CONFLICTS.

    To the extent permitted by law, disagreements or conflicts between 
or among agency heads or between OMB and any agency that cannot be 
resolved by the Administrator of OIRA shall be resolved by the 
President or a designee of the President.

SEC. 8. PUBLICATION.

    Except to the extent required by law, an agency shall not publish 
in the Federal Register or otherwise issue to the public any regulatory 
action that is subject to review under section 6 until--
            (1) the Administrator of OIRA notifies the agency that OIRA 
        has waived its review of the action or has completed its review 
        without any requests for further consideration, or
            (2) the applicable time period in section 6(b)(2) expires 
        without OIRA having notified the agency that it is returning 
        the regulatory action for further consideration under section 
        6(b)(3),
whichever occurs first. If the terms of the preceding sentence have not 
been satisfied and an agency wants to publish or otherwise issue a 
regulatory action, the head of that agency may request Presidential 
consideration through the Administrator of OIRA, as provided under 
section 8. Upon receipt of this request, the Administrator of OIRA 
shall notify the Advisers. The guidelines and time period set forth in 
section 8 shall apply to the publication of regulatory actions for 
which Presidential consideration has been sought.

SEC. 9. AGENCY AUTHORITY.

    Nothing in this Act shall be construed as displacing the agencies' 
authority or responsibilities, as authorized by law.

SEC. 10. JUDICIAL REVIEW.

    Nothing in this Act shall affect any otherwise available judicial 
review of agency action. This Act is intended only to improve the 
internal management of the Federal Government and does not create any 
right or benefit, substantive or procedural, enforceable at law or 
equity by a party against the United States, its agencies or 
instrumentalities, its officers or employees, or any other person.

SEC. 11. DEFINITIONS.

    For purposes of this Act:
            (1) The term ``Advisers'' refers to such regulatory policy 
        advisers to the President as the President and the 
        Administrator of OIRA may from time to time consult, including, 
        among others--
                    (A) the Director of OMB;
                    (B) the Chair (or another member) of the Council of 
                Economic Advisers;
                    (C) the Assistant to the President for Economic 
                Policy;
                    (D) the Assistant to the President for Domestic 
                Policy;
                    (E) the Assistant to the President for National 
                Security Affairs;
                    (F) the Assistant to the President for Science and 
                Technology;
                    (G) the Assistant to the President for 
                Intergovernmental Affairs;
                    (H) the Assistant to the President and Staff 
                Secretary;
                    (I) the Assistant to the President and Chief of 
                Staff to the Administrator of OIRA;
                    (J) the Assistant to the President and Counsel to 
                the President; and
                    (K) the Deputy Assistant to the President and 
                Director of the White House Office on Environmental 
                Policy.
            (2) Except as provided in section 4(f), the term ``agency'' 
        means any authority of the United States that is an ``agency'' 
        under section 3502(1) of title 44, United States Code, other 
        than those considered to be independent regulatory agencies, as 
        defined in section 3502(10) of title 44, United States Code.
            (3) The term ``Director'' means the Director of OMB.
            (4) The term ``regulation'' or ``rule'' means an agency 
        statement of general applicability and future effect, which the 
        agency intends to have the force and effect of law, that is 
        designed to implement, interpret, or prescribe law or policy or 
        to describe the procedure or practice requirements of an 
        agency. It does not, however, include--
                    (A) regulations or rules issued in accordance with 
                the formal rulemaking provisions of sections 556 and 
                557 of title 5, United States Code;
                    (B) regulations or rules that pertain to a military 
                or foreign affairs function of the United States, other 
                than procurement regulations and regulations involving 
                the import or export of non-defense articles and 
                services;
                    (C) regulations or rules that are limited to agency 
                organization, management, or personnel matters; or
                    (D) any other category of regulations exempted by 
                the Administrator of OIRA.
            (5) The term ``regulatory action'' means any substantive 
        action by an agency (normally published in the Federal 
        Register) that promulgates or is expected to lead to the 
        promulgation of a final rule or regulation, including notices 
        of inquiry, advance notices of proposed rulemaking, and notices 
        of proposed rulemaking.
            (6) The term ``significant regulatory action'' means any 
        regulatory action that is likely to result in a rule that may--
                    (A) have an annual effect on the economy of $100 
                million or more or adversely affect in a material way 
                the economy, a sector of the economy, productivity, 
                competition, jobs, the environment, public health or 
                safety, or State, local, or tribal governments or 
                communities;
                    (B) create a serious inconsistency or otherwise 
                interfere with an action taken or planned by another 
                agency;
                    (C) materially alter the budgetary impact of 
                entitlements, grants, user fees, or loan programs or 
                the rights and obligations of recipients thereof; or
                    (D) raise novel legal or policy issues arising out 
                of legal mandates, the President's priorities, or the 
                principles set forth in this Act.
[EX A]: Government Regulatory Improvement and Performance Act of 1998 - Declares that:  (1) Federal agencies should promulgate only such regulations as are required by law, necessary to interpret the law, or necessary to protect and promote or improve the health and safety of the public, the environment, or the well-being of the American people; and (2) in deciding whether and how to regulate, agencies should assess all costs and benefits of available regulatory alternatives, including the alternative of not regulating. 
Sets forth principles of regulation to ensure that the agencies' regulatory programs are consistent with such philosophy, including that each agency:  (1) identify the problem that it intends to address by regulation, assess its significance, and if possible conduct a risk analysis; (2) identify and assess available alternatives to direct regulation; (3) wherever feasible, seek views of appropriate State, local, and tribal officials before imposing requirements that might significantly or uniquely affect those governmental entities. 
(Sec. 3) Directs the Office of Management and Budget to carry out coordinated review of agency rulemaking.  Designates its Office of Information and Regulatory Affairs (OIRA) as the repository of expertise concerning regulatory issues. 
(Sec. 4) Directs the OIRA Administrator, early in each year's planning cycle, to convene a meeting of the regulatory policy advisers to the President and agency heads to seek a common understanding of priorities and to coordinate regulatory efforts for the upcoming year. 
Requires each agency to prepare:  (1) a unified regulatory agenda of all regulations under development or review; and (2) a regulatory plan of the most important significant regulatory actions that the agency reasonably expects to issue in that fiscal year or thereafter. 
Directs the Administrator to:  (1) convene and chair a regulatory working group, which shall meet at least quarterly, to assist agencies in identifying and analyzing important regulatory issues; (2) meet quarterly, along with agency heads, with representatives of State, local, and tribal governments to identify exiting and proposed regulations that may uniquely or significantly affect those governmental entities; and (3) convene periodic conferences with representatives of businesses, nongovernmental organizations, and the public to discuss regulatory issues. 
(Sec. 5) Requires that:  (1) each agency submit to OIRA a program under which the agency will periodically review its existing significant regulations; and (2) any significant regulations selected for review be included in the agency's annual plan, and the agency identify any legislative mandates that require the agency to promulgate or continue to impose unnecessary or outdated regulations. 
(Sec. 5) Requires each agency to:  (1) submit to the OIRA a program under which the agency will periodically review its existing significant regulations for possible modification or elimination; (2) provide the public with meaningful participation in the regulatory process and a meaningful opportunity to comment on any proposed regulation, generally including a comment period of not less than 60 days; and (2) explore and, where appropriate, use consensual mechanisms for developing regulations, including negotiated rulemaking. 
Directs:  (1) each agency head to designate a Regulatory Policy Office; (2) each agency to develop its regulatory actions in a timely fashion and adhere to specified procedures; (3) each agency to provide the OIRA with a list of its planned regulatory actions, including significant regulatory actions; and (4)  the Administrator to provide meaningful guidance and oversight. 
(Sec. 8) Prohibits an agency from publishing a regulation until the Administrator has waived review of the action, completed such review, or the review period has passed, whichever occurs first.

[EX 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.''.
[EX 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.

[EX Q]: SECTION 1. FINDINGS AND PURPOSES.

    (a) Findings.--Congress finds that--
            (1) the town of Nicodemus, in Kansas, has national 
        significance as the only remaining western town established by 
        African-Americans during the Reconstruction period following 
        the Civil War;
            (2) the town of Nicodemus is symbolic of the pioneer spirit 
        of African-Americans who dared to leave the only region they 
        had been familiar with to seek personal freedom and the 
        opportunity to develop their talents and capabilities; and
            (3) the town of Nicodemus continues to be a viable African-
        American community.
    (b) Purposes.--The purposes of this Act are--
            (1) to preserve, protect, and interpret for the benefit and 
        enjoyment of present and future generations, the remaining 
        structures and locations that represent the history (including 
        the settlement and growth) of the town of Nicodemus, Kansas; 
        and
            (2) to interpret the historical role of the town of 
        Nicodemus in the Reconstruction period in the context of the 
        experience of westward expansion in the United States.

SEC. 2. DEFINITIONS.

    In this Act:
            (1) Historic site.--The term ``historic site'' means the 
        Nicodemus National Historic Site established by section 3.
            (2) Secretary.--The term ``Secretary'' means the Secretary 
        of the Interior.

SEC. 3. ESTABLISHMENT OF NICODEMUS NATIONAL HISTORIC SITE.

    (a) Establishment.--There is established the Nicodemus National 
Historic Site in Nicodemus, Kansas.
    (b) Description.--
            (1) In general.--The historic site shall consist of the 
        First Baptist Church, the St. Francis Hotel, the Nicodemus 
        School District Number 1, the African Methodist Episcopal 
        Church, and the Township Hall located within the approximately 
        161.35 acres designated as the Nicodemus National Landmark in 
        the Township of Nicodemus, Graham County, Kansas, as registered 
        on the National Register of Historic Places pursuant to section 
        101 of the National Historic Preservation Act (16 U.S.C. 470a), 
        and depicted on a map entitled ``Nicodemus National Historic 
        Site'', numbered 80,000 and dated August 1994.
            (2) Map and boundary description.--The map referred to in 
        paragraph (1) and an accompanying boundary description shall be 
        on file and available for public inspection in the office of 
        the Director of the National Park Service and any other office 
        of the National Park Service that the Secretary determines to 
        be an appropriate location for filing the map and boundary 
        description.

SEC. 4. ADMINISTRATION OF THE HISTORIC SITE.

    (a) In General.--The Secretary shall administer the historic site 
in accordance with--
            (1) this Act; and
            (2) the provisions of law generally applicable to units of 
        the National Park System, including the Act entitled ``An Act 
        to establish a National Park Service, and for other purposes'', 
        approved August 25, 1916 (16 U.S.C. 1 et seq.), and the Act of 
        August 21, 1935 (49 Stat. 666, chapter 593; 16 U.S.C. 461 et 
        seq.).
    (b) Cooperative Agreements.--To further the purposes specified in 
section 1(b), the Secretary may enter into a cooperative agreement with 
any interested individual, public or private agency, organization, or 
institution.
    (c) Technical and Preservation Assistance.--
            (1) In general.--The Secretary may provide to any eligible 
        person described in paragraph (2) technical assistance for the 
        preservation of historic structures of, the maintenance of the 
        cultural landscape of, and local preservation planning for, the 
        historic site.
            (2) Eligible persons.--The eligible persons described in 
        this paragraph are--
                    (A) an owner of real property within the boundary 
                of the historic site, as described in section 3(b); and
                    (B) any interested individual, agency, 
                organization, or institution that has entered into an 
                agreement with the Secretary pursuant to subsection 
                (b).

SEC. 5. ACQUISITION OF REAL PROPERTY.

    (a) In General.--Subject to subsection (b), the Secretary is 
authorized to acquire by donation, exchange, or purchase with funds 
made available by donation or appropriation, such lands or interests in 
lands as may be necessary to allow for the interpretation, 
preservation, or restoration of the First Baptist Church, the St. 
Francis Hotel, the Nicodemus School District Number 1, the African 
Methodist Episcopal Church, or the Township Hall, as described in 
section 3(b)(1), or any combination thereof.
    (b) Limitations.--
            (1) Acquisition of property owned by the state of kansas.--
        Real property that is owned by the State of Kansas or a 
        political subdivision of the State of Kansas that is acquired 
        pursuant to subsection (a) may only be acquired by donation.
            (2) Consent of owner required.--No real property may be 
        acquired under this section without the consent of the owner of 
        the real property.

SEC. 6. GENERAL MANAGEMENT PLAN.

    (a) In General.--Not later than the last day of the third full 
fiscal year beginning after the date of enactment of this Act, the 
Secretary shall, in consultation with the officials described in 
subsection (b), prepare a general management plan for the historic 
site.
    (b) Consultation.--In preparing the general management plan, the 
Secretary shall consult with an appropriate official of each of the 
following:
            (1) The Nicodemus Historical Society.
            (2) The Kansas Historical Society.
            (3) Appropriate political subdivisions of the State of 
        Kansas that have jurisdiction over all or a portion of the 
        historic site.
    (c) Submission of Plan to Congress.--Upon the completion of the 
general management plan, the Secretary shall submit a copy of the plan 
to--
            (1) the Committee on Energy and Natural Resources of the 
        Senate; and
            (2) the Committee on Resources of the House of 
        Representatives.

SEC. 7. AUTHORIZATION OF APPROPRIATIONS.

    There are authorized to be appropriated to the Department of the 
Interior such sums as are necessary to carry out this Act.
[EX A]:
Establishes the Nicodemus National Historic Site in Nicodemus, Kansas. 
Authorizes the Secretary of the Interior to:  (1) provide technical assistance for the preservation of historic structures, the maintenance of the cultural landscape, and local preservation planning; and (2) acquire certain real property in connection with the Site. 
Directs the Secretary to:  (1) prepare a general management plan for the Site; and (2) submit a copy of the plan to specified congressional committees. 
Authorizes appropriations.