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

Example Input: 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.''.
Example Output: 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.

Example Input: SECTION 1. SHORT TITLE.

This Act may be cited as the ''Hereditary Disorders Newborn
Screening Act of 2000''.

SEC. 2. PROGRAM TO IMPROVE THE ABILITY OF STATES TO PROVIDE NEWBORN AND
CHILD SCREENING FOR HERITABLE DISORDERS.

Part A of title XI of the Public Health Service Act (42 U.S.C.
300b-1 et seq.) is amended by adding at the end the following:

''SEC. 1108. IMPROVED NEWBORN AND CHILD SCREENING FOR HERITABLE
DISORDERS.

''(a) In General.--The Secretary, acting through the Administrator
of the Health Resources and Services Administration, shall award grants
to eligible entities to enhance, improve or expand the ability of State
and local public health agencies to provide screening, counseling or
preventive care services to newborns and children having or at risk for
heritable disorders.
''(b) Use of Funds.--Amounts provided under a grant awarded under
subsection (a) shall be used to--
''(1) establish, expand, or improve systems or programs to
provide screening, counseling, testing or specialty services
for newborns and children at risk for heritable disorders;
''(2) establish, expand, or improve programs or services to
reduce mortality or morbidity from heritable disorders;
''(3) establish, expand, or improve systems or programs to
provide information and counseling on available therapies for
newborns and children with heritable disorders;
''(4) improve the access of medically underserved
populations to screening, counseling, testing and specialty
services for newborns and children having or at risk for
heritable disorders; or
''(5) conduct such other activities as may be necessary to
enable newborns and children having or at risk for heritable
disorders to receive screening, counseling, testing or
specialty services, regardless of income, race, color,
religion, sex, national origin, age, or disability.
''(c) Eligible Entities.--To be eligible to receive a grant under
subsection (a) an entity shall--
''(1) be a State or political subdivision of a State, or a
consortium of 2 or more States or political subdivisions of
States; and
''(2) prepare and submit to the Secretary an application
that includes--
''(A) a plan to use amounts awarded under the grant
to meet specific health status goals and objectives
relative to heritable disorders, including attention to
needs of medically underserved populations;
''(B) a plan for the collection of outcome data or
other methods of evaluating the degree to which amounts
awarded under this grant will be used to achieve the
goals and objectives identified under subparagraph (A);
''(C) a plan for monitoring and ensuring the
quality of services provided under the grant;
''(D) an assurance that amounts awarded under the
grant will be used only to implement the approved plan
for the State;
''(E) an assurance that the provision of services
under the plan is coordinated with services provided
under programs implemented in the State under titles V,
XVIII, XIX, XX, or XXI of the Social Security Act
(subject to Federal regulations applicable to such
programs) so that the coverage of services under such
titles is not substantially diminished by the use of
granted funds; and
''(F) such other information determined by the
Secretary to be necessary.
''(d) Limitation.--An eligible entity may not use amounts received
under this section to--
''(1) provide cash payments to or on behalf of affected
individuals;
''(2) provide inpatient services;
''(3) purchase land or make capital improvements to
property; or
''(4) provide for proprietary research or training.
''(e) Voluntary Participation.--The participation by any individual
in any program or portion thereof established or operated with funds
received under this section shall be wholly voluntary and shall not be
a prerequisite to eligibility for or receipt of any other service or
assistance from, or to participation in, another Federal or State
program.
''(f) Supplement Not Supplant.--Funds appropriated under this
section shall be used to supplement and not supplant other Federal,
State, and local public funds provided for activities of the type
described in this section.
''(g) Publication.
''(1) In general.--An application submitted under
subsection (c)(2) shall be made public by the State in such a
manner as to facilitate comment from any person, including
through hearings and other methods used to facilitate comments
from the public.
''(2) Comments.--Comments received by the State after the
publication described in paragraph (1) shall be addressed in
the application submitted under subsection (c)(2).
''(h) Technical Assistance.--The Secretary shall provide to
entities receiving grants under subsection (a) such technical
assistance as may be necessary to ensure the quality of programs
conducted under this section.
''(i) Authorization of Appropriations.--There are authorized to be
appropriated to carry out this section, such sums as may be necessary
for each of the fiscal years 2001 through 2011.

''SEC. 1109. EVALUATING THE EFFECTIVENESS OF NEWBORN AND CHILD
SCREENING PROGRAMS.

''(a) In General.--The Secretary shall award grants to eligible
entities to provide for the conduct of demonstration programs to
evaluate the effectiveness of screening, counseling or preventive care
services in reducing the morbidity and mortality caused by heritable
disorders in newborns and children.
''(b) Demonstration Programs.--A demonstration program conducted
under a grant under this section shall be designed to evaluate and
assess, within the jurisdiction of the entity receiving such grant--
''(1) the effectiveness of screening, counseling, testing
or specialty services for newborns and children at risk for
heritable disorders in reducing the morbidity and mortality
associated with such disorders;
''(2) the effectiveness of screening, counseling, testing
or specialty services in accurately and reliably diagnosing
heritable disorders in newborns and children; or
''(3) the availability of screening, counseling, testing or
specialty services for newborns and children at risk for
heritable disorders.
''(c) Eligible Entities.--To be eligible to receive a grant under
subsection (a) an entity shall be a State or political subdivision of a
State, or a consortium of 2 or more States or political subdivisions of
States.

''SEC. 1110. ADVISORY COMMITTEE ON HERITABLE DISORDERS IN NEWBORNS AND
CHILDREN.

''(a) Establishment.--The Secretary shall establish an advisory
committee to be known as the 'Advisory Committee on Heritable Disorders
in Newborns and Children' (referred to in this section as the 'Advisory
Committee').
''(b) Duties.--The Advisory Committee shall--
''(1) provide advice and recommendations to the Secretary
concerning grants and projects awarded or funded under section
1108;
''(2) provide technical information to the Secretary for
the development of policies and priorities for the
administration of grants under section 1108; and
''(3) provide such recommendations, advice or information
as may be necessary to enhance, expand or improve the ability
of the Secretary to reduce the mortality or morbidity from
heritable disorders.
''(c) Membership.--
''(1) In general.--The Secretary shall appoint not to
exceed 15 members to the Advisory Committee. In appointing such
members, the Secretary shall ensure that the total membership
of the Advisory Committee is an odd number.
''(2) Required members.--The Secretary shall appoint to the
Advisory Committee under paragraph (1)--
''(A) the Administrator of the Health Resources and
Services Administration;
''(B) the Director of the Centers for Disease
Control and Prevention;
''(C) the Director of the National Institutes of
Health;
''(D) the Director of the Agency for Healthcare
Research and Quality;
''(E) medical or scientific professionals with
special expertise in heritable disorders, or in
providing screening, counseling, testing or specialty
services for newborns and children at risk for
heritable disorders;
''(F) members of the public having special
expertise about or concern with heritable disorders;
and
''(G) representatives from such Federal agencies,
public health constituencies, and medical professional
societies as determined to be necessary by the
Secretary, to fulfill the duties of the Advisory
Committee, as established under subsection (b).''.
Example Output: Directs the Secretary to award grants to eligible entities to provide for the conduct of demonstration programs to evaluate the effectiveness of screening, counseling or preventive care services in reducing the morbidity and mortality caused by heritable disorders in newborns and children.
Direct the Secretary to establish an advisory committee to be known as the Advisory Committee on Heritable Disorders in Newborns and Children.

Example Input: SECTION 1. SHORT TITLE.

This Act may be cited as the ''Veterans' Credit Protection Act''.

SEC. 2. OUTREACH TO VETERANS REGARDING EFFECT OF CERTAIN DELAYED
PAYMENTS BY DEPARTMENT OF VETERANS AFFAIRS CHIEF BUSINESS
OFFICE.

(a) Outreach.--The Secretary of Veterans Affairs shall conduct
outreach, including through national and local veterans service
organizations, to inform veterans of how to resolve credit issues
caused by delayed payment of a claim for emergency hospital care,
medical services, or other emergency health care furnished through a
non-Department of Veterans Affairs provider. The Secretary shall
establish a toll-free telephone number for veterans to report such
credit issues to the Chief Business Office of the Department of
Veterans Affairs.
(b) Annual Report.--
(1) In general.--The Secretary of Veterans Affairs shall
annually submit to Congress a report on the effectiveness of
the Chief Business Office in providing timely payment of proper
invoices for emergency hospital care, medical services, or
other emergency health care furnished through non-Department of
Veterans Affairs providers by the required payment date during
both the five-year period preceding the date of the report and
the one-year period preceding such date. For any part of the
period covered by a report under this subsection that occurred
before October 1, 2014, the report shall evaluate the provision
of such payments by the Veterans Integrated Service Networks.
(2) Matters included.--The reports under paragraph (1)
shall include, for each period covered by the report, the
following:
(A) The number of veterans who contacted the
Secretary regarding a delayed payment that negatively
affected, or will potentially negatively affect, the
credit of the veteran.
(B) The total amount of interest penalties paid by
the Secretary of Veterans Affairs under section 3902 of
title 31, United States Code, by reason of a delayed
payment.
(C) The number of proper invoices submitted, listed
in a table for each quarter and fiscal year of each
such period that includes--
(i) the total amount owed by the Secretary
under the proper invoices;
(ii) the payment status of each proper
invoice, as of the date of the report; and
(iii) the period that elapsed until each
proper invoice was paid, including an
explanation of any delayed payment.
(D) Any comments regarding delayed payments made by
medical providers.
(E) A description of the best practices that the
Chief Business Office can carry out to provide timely
payment of a proper invoice, including a plan to
improve such timely payments.
(c) Quarterly Reports on Pending Claims.--The Chief Business Office
of the Department of Veterans Affairs shall submit to Congress
quarterly reports on the number of pending claims for reimbursement for
emergency hospital care, medical services, and other emergency health
care furnished through non-Department of Veterans Affairs providers.
Each such report shall include each of the following:
(1) The total number of such pending claims for each
hospital system of the Department, as of the last day of the
quarter covered by the report.
(2) The total number of veterans who submitted such a
pending claim in each State, as of such day.
(3) The aggregate amount of all such pending claims in each
State, as of such day.
(4) As of such day--
(A) the number of such pending claims that have
been pending for 30 days or longer;
(B) the number of such pending claims that have
been pending for 90 days or longer; and
(C) the number of such pending claims that have
been pending for 365 days or longer.
(5) For each hospital system, for the quarter covered by
the report--
(A) the number of claims for reimbursement for
emergency hospital care, medical services, and other
emergency health care furnished through non-Department
of Veterans Affairs providers approved during such
quarter;
(B) the number of such claims denied during such
quarter; and
(C) the number of such claims denied listed by each
denial reason group.
(d) Comptroller General Study.--
(1) In general.--The Comptroller General of the United
States shall conduct a study that evaluates the effectiveness
of the Chief Business Office in providing timely payment of a
proper invoice for emergency hospital care, medical services,
or other emergency health care furnished through non-Department
of Veterans Affairs providers by the required payment date.
(2) Submittal.--The Comptroller General shall submit to
Congress a report on the study conducted under paragraph (1),
including the total amount of interest penalties paid by the
Secretary of Veterans Affairs under section 3902 of title 31,
United States Code, by reason of a delayed payment.
(e) Definitions.--In this section:
(1) The term ''delayed payment'' means a proper invoice
that is not paid by the Secretary of Veterans Affairs until
after the required payment date.
(2) The term ''proper invoice'' has the meaning given that
term in section 3901(a) of title 31, United States Code.
(3) The term ''required payment date'' means the date that
payment is due for a contract pursuant to section 3903(a) of
title 31, United States Code.
Example Output:
Veterans' Credit Protection Act Directs the Department of Veterans Affairs (VA) to: (1) conduct outreach to inform veterans of how to resolve credit issues caused by a delayed payment of a claim for emergency hospital care, medical services, or other emergency health care furnished through a non-VA provider; and (2) establish a toll-free telephone number for veterans to report such issues to the Chief Business Office of the VA. Requires the VA to report annually on the effectiveness of such Office in providing timely payment of proper invoices for emergency hospital care, medical services, or other emergency health care furnished through non-VA providers by the required payment date during both the preceding five-year period and the preceding one-year period. Requires the report, for any part of the period covered by such a report that occurred before October 1, 2014, to evaluate the provision of such payments by the Veterans Integrated Service Networks. Requires such report to include: the number of veterans who contacted the VA regarding delayed payments that could negatively affect their credit; the total amount of interest penalties paid by the VA by reason of delayed payments; the number of proper invoices submitted, the amount owed for and the payment status of such invoices, and the periods that elapsed before such invoices were paid; any comments regarding delayed payments made by medical providers; and a description of the best practices to provide timely payment of a proper invoice, including a plan to improve such timely payments. Directs: (1) the Office to submit to Congress quarterly reports on the number of pending claims for reimbursement for emergency hospital care, medical services, and other emergency health care furnished through non-VA providers; and (2) the Comptroller General to conduct a study that evaluates the effectiveness of the Office in providing timely payment of a proper invoice for such care by the required payment date.