Teacher: In this task, you are given text for US Congressional and California state bills, your task is to generate a summary for this bill.
Teacher: Now, understand the problem? If you are still confused, see the following example:
SECTION 1. LIABILITY OF BUSINESS ENTITIES PROVIDING USE OF FACILITIES
TO NONPROFIT ORGANIZATIONS.

(a) Definitions.--In this section:
(1) Business entity.--The term ''business entity'' means a
firm, corporation, association, partnership, consortium, joint
venture, or other form of enterprise.
(2) Facility.--The term ''facility'' means any real
property, including any building, improvement, or appurtenance.
(3) Gross negligence.--The term ''gross negligence'' means
voluntary and conscious conduct by a person with knowledge (at
the time of the conduct) that the conduct is likely to be
harmful to the health or well-being of another person.
(4) Intentional misconduct.--The term ''intentional
misconduct'' means conduct by a person with knowledge (at the
time of the conduct) that the conduct is harmful to the health
or well-being of another person.
(5) Nonprofit organization.--The term ''nonprofit
organization'' means--
(A) any organization described in section 501(c)(3)
of the Internal Revenue Code of 1986 and exempt from
tax under section 501(a) of such Code; or
(B) any not-for-profit organization organized and
conducted for public benefit and operated primarily for
charitable, civic, educational, religious, welfare, or
health purposes.
(6) State.--The term ''State'' means each of the several
States, the District of Columbia, the Commonwealth of Puerto
Rico, the Virgin Islands, Guam, American Samoa, the Northern
Mariana Islands, any other territory or possession of the
United States, or any political subdivision of any such State,
territory, or possession.
(b) Limitation on Liability.--
(1) In general.--Subject to subsection (c), a business
entity shall not be subject to civil liability relating to any
injury or death occurring at a facility of the business entity
in connection with a use of such facility by a nonprofit
organization if--
(A) the use occurs outside of the scope of business
of the business entity;
(B) such injury or death occurs during a period
that such facility is used by the nonprofit
organization; and
(C) the business entity authorized the use of such
facility by the nonprofit organization.
(2) Application.--This subsection shall apply--
(A) with respect to civil liability under Federal
and State law; and
(B) regardless of whether a nonprofit organization
pays for the use of a facility.
(c) Exception for Liability.--Subsection (b) shall not apply to an
injury or death that results from an act or omission of a business
entity that constitutes gross negligence or intentional misconduct,
including any misconduct that--
(1) constitutes a crime of violence (as that term is
defined in section 16 of title 18, United States Code) or act
of international terrorism (as that term is defined in section
2331 of title 18) for which the defendant has been convicted in
any court;
(2) constitutes a hate crime (as that term is used in the
Hate Crime Statistics Act (28 U.S.C. 534 note));
(3) involves a sexual offense, as defined by applicable
State law, for which the defendant has been convicted in any
court; or
(4) involves misconduct for which the defendant has been
found to have violated a Federal or State civil rights law.
(d) Superseding Provision.--
(1) In general.--Subject to paragraph (2) and subsection
(e), this Act preempts the laws of any State to the extent that
such laws are inconsistent with this Act, except that this Act
shall not preempt any State law that provides additional
protection from liability for a business entity for an injury
or death with respect to which conditions under subparagraphs
(A) through (C) of subsection (b)(1) apply.
(2) Limitation.--Nothing in this Act shall be construed to
supersede any Federal or State health or safety law.
(e) Election of State Regarding Nonapplicability.--This Act shall
not apply to any civil action in a State court against a business
entity in which all parties are citizens of the State if such State
enacts a statute--
(1) citing the authority of this subsection;
(2) declaring the election of such State that this Act
shall not apply to such civil action in the State; and
(3) containing no other provision.
Solution: Shields a business entity from civil liability relating to any injury or death occurring at a facility of that entity in connection with a use of such facility by a nonprofit organization if: (1) the use occurs outside the scope of business of the business entity; (2) such injury or death occurs during a period that such facility is used by such organization; and (3) the business entity authorized the use of such facility by the organization.
Makes this Act inapplicable to an injury or death that results from an act or omission of a business entity that constitutes gross negligence or intentional misconduct, including misconduct that: (1) constitutes a hate crime or a crime of violence or act of international terrorism for which the defendant has been convicted in any court; or (2) involves a sexual offense for which the defendant has been convicted in any court or misconduct for which the defendant has been found to have violated a Federal or State civil rights law.
Preempts State laws to the extent that such laws are inconsistent with this Act, except State law that provides additional protection from liability. Specifies that this Act shall not be construed to supersede any Federal or State health or safety law.
Makes this Act inapplicable to any civil action in a State court against a business entity in which all parties are citizens of the State if such State, citing this Act's authority and containing no other provision, enacts a statute declaring the State's election that this Act shall not apply to such action in the State.
Reason: This Bill focuses on shielding business entities from civil liability relating to an injury or death depending on the conditions of injury, hence the generated summary is correct.

Now, solve this instance: SECTION 1. SHORT TITLE.

This Act may be cited as the ''ATM Fee Reform Act of 1996''.

SEC. 2. ELECTRONIC FUND TRANSFER FEE DISCLOSURES AT ANY HOST ATM.

Section 904 of the Electronic Fund Transfer Act (15 U.S.C. 1693b)
is amended--
(1) by striking ''(d) In the event'' and inserting ''(d)
Applicability to Service Providers Other Than Certain Financial
Institutions.--
''(1) In general.--In the event''; and
(2) by adding at the end the following new paragraph:
''(2) Fee disclosures at electronic terminals.--
''(A) In general.--The regulations prescribed under
paragraph (1) shall require any host electronic
terminal operator who imposes a fee on any consumer for
providing host transfer services to such consumer to
provide notice in accordance with subparagraph (B) to
the consumer (at the time the service is provided) of--
''(i) the fact that a fee is imposed by
such operator for providing the service; and
''(ii) the amount of any such fee.
''(B) Notice requirements.--The notice required
under subparagraph (A) with respect to any fee
described in such subparagraph shall--
''(i) be posted in a prominent and
conspicuous location on or at the electronic
terminal at which the electronic fund transfer
is initiated by the consumer; and
''(ii) appear on the screen of the
electronic terminal, or on a paper notice
issued from the terminal, after the transaction
is initiated and before the consumer is
irrevocably committed to completing the
transaction.
''(C) Prohibition on fees not properly disclosed
and explicitly assumed by consumer.--No fee may be
imposed by any host electronic terminal operator in
connection with any electronic fund transfer initiated
by a consumer for which a notice is required under
subparagraph (A), unless--
''(i) the consumer receives such notice in
accordance with subparagraph (B); and
''(ii) the consumer elects to continue in
the manner necessary to effect the transaction
after receiving such notice.
''(D) Definitions.--For purposes of this paragraph,
the following definitions shall apply:
''(i) Electronic fund transfer.--The term
'electronic fund transfer' includes a
transaction which involves a balance inquiry
initiated by a consumer in the same manner as
an electronic fund transfer, whether or not the
consumer initiates a transfer of funds in the
course of the transaction.
''(ii) Host electronic terminal operator.--
The term 'host electronic terminal operator'
means any person who--
''(I) operates an electronic
terminal at which consumers initiate
electronic fund transfers; and
''(II) is not the financial
institution which holds the account of
any such consumer from which the
transfer is made.
''(iii) Host transfer services.--The term
'host transfer services' means any electronic
fund transfer made by a host electronic terminal operator in connection
with a transaction initiated by a consumer at an electronic terminal
operated by such operator.''.

SEC. 3. AGENCY REPORTS OF COMPLIANCE WITH REGULATION E.

(a) In General.--Section 918 of the Electronic Fund Transfer Act
(15 U.S.C. 1693p) is amended by adding at the end the following new
subsection:
''(c) Compliance and Trends.--
''(1) Regulation e compliance reports.--Each agency
responsible under section 917 for enforcing compliance with the
requirements imposed under this title shall submit an annual
report to the Congress on the degree to which entities which
are subject to the jurisdiction of such agency under this title
are in compliance with regulations prescribed by the Board
under section 904(d).
''(2) Trends in fees imposed by host atm operators.--Each
report submitted by an agency pursuant to paragraph (1) shall
include a description of any discernible trend, in the Nation
as a whole and in each region--
''(A) in the imposition of fees for which notices
are required under section 904(d)(2); and
''(B) in the rate of compliance with regulations
prescribed pursuant to such section.
''(3) Separate submission not required.--The information
required to be submitted to the Congress under this subsection
may be included in any other annual report submitted to the
Congress by such agency.''.

SEC. 4. DISCLOSURE OF POSSIBLE FEES TO CONSUMERS WHEN ATM CARD IS
ISSUED.

Section 911 of the Electronic Fund Transfer Act (15 U.S.C. 1693i)
is amended by adding at the end the following new subsection:
''(d) Disclosure of Possible EFT Fees.--Whenever a card, code, or
other means of access to a consumer's account is issued for the purpose
of initiating electronic fund transfers from such account, the person
issuing the card, code, or other means of access shall provide a
written notice to the accountholder that a fee may be imposed by--
''(1) a host electronic terminal operator (as defined in
section 904(d)(2)(D)(ii)) if the consumer initiates a transfer
from an electronic terminal which is not operated by the person
issuing the card or other means of access; and
''(2) any national, regional, or local network utilized to
effect the transaction.''.

SEC. 5. FEASIBILITY STUDY.

(a) In General.--The Comptroller General of the United States shall
conduct a study of the feasibility of prohibiting the imposition of any
fee by any person in connection with any electronic fund transfer
initiated by a consumer through the use of an electronic terminal
unless--
(1) a notice is provided to the consumer before the
consumer is irrevocably committed to completing the
transaction, which clearly states the amount of any fee which
will be imposed upon the consummation of the transaction by--
(A) any host electronic terminal operator (as
defined in section 904(d)(2)(D)(ii) of the Electronic
Fund Transfer Act) involved in the transaction;
(B) the financial institution holding the account
of the consumer;
(C) any national, regional, or local network
utilized to effect the transaction; and
(D) any other party involved in the transfer; and
(2) the consumer elects to consummate the transaction after
receiving the notice described in paragraph (1).
(b) Factors To Be Considered.--In conducting the study required
under subsection (a) with regard to the notice requirement described in
such subsection, the Comptroller General shall consider the following
factors:
(1) The availability of appropriate technology.
(2) Implementation and operating costs.
(3) The competitive impact any such notice requirement
would have on various sizes and types of institutions, if
implemented.
(4) The period of time which would be reasonable for
implementing any such notice requirement.
(5) The extent to which consumers would benefit from any
such notice requirement.
(6) Any other factor the Comptroller General determines to
be appropriate in analyzing the feasibility of imposing any
such notice requirement.
(c) Report to the Congress.--Before the end of the 6-month period
beginning on the date of the enactment of this Act, the Comptroller
General shall submit a report to the Congress containing--
(1) the findings and conclusions of the Comptroller General
in connection with the study required under subsection (a); and
(2) the recommendation of the Comptroller General with
regard to the question of whether a notice requirement
described in subsection (a) should be implemented and, if so,
how such requirement should be implemented.
Student:
ATM Fee Reform Act of 1996 - Amends the Electronic Fund Transfer Act to mandate fee disclosures at the time of service by any host electronic terminal operator which imposes a fee for providing host transfer services to a consumer.
Requires each agency responsible for compliance enforcement under the Act to report annually to the Congress on compliance and on regional and national trends in fees imposed by host ATM operators.
Mandates the disclosure to consumers whenever an electronic means of accessing the consumer's account is issued of possible fees for initiating electronic fund transfers.
Requires the Comptroller General to study the feasibility of prohibiting the imposition of an electronic fund transfer fee unless notice has been provided before the consumer is irrevocably committed to completing the transaction.