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 ''Stop Government Shutdowns Act''.

SEC. 2. AUTOMATIC CONTINUATION OF FEDERAL FUNDING.

(a) In General.--If, as a result of a failure to enact a regular or
continuing appropriation Act or joint resolution, there is a lapse in
appropriations for any projects or activities of the Federal Government
that were conducted in the previous fiscal year, and for which
appropriations, funds, or other authority were made available in such
fiscal year, there is appropriated, out of any money in the Treasury
not otherwise appropriated, and out of applicable corporate or other
revenues, receipts, and funds, such amounts as may be necessary for
continuing such projects or activities (including the costs of direct
loans and loan guarantees), at the current rate for operations and
under the authority and conditions provided in the applicable
appropriation Act or Acts that provided funds for the project or
activity for the previous fiscal year.
(b) Continuation Period.--Appropriations and funds made available
and authority granted for a project or activity pursuant to this Act
shall be available until whichever of the following first occurs:
(1) the enactment into law of an appropriation for such
project or activity;
(2) the enactment into law of the applicable appropriation
Act for such fiscal year without any provision for such project
or activity; or
(3) the last day of the fiscal year for which such
appropriations and funds are made available or such authority
is granted for such project or activity pursuant to subsection
(a).

SEC. 3. AVAILABILITY OF FUNDS.

(a) Extent and Manner.--Appropriations made by section 2(a) shall
be available to the extent and in the manner that would be provided by
the applicable appropriation Act.
(b) Coverage.--Appropriations made and authority granted pursuant
to this Act shall cover all obligations or expenditures incurred for
any project or activity during the period for which funds or authority
for such project or activity are available under this Act.

SEC. 4. USE OF FUNDS.

(a) No New Starts.--No appropriation or funds made available or
authority granted pursuant to section 2(a) shall be used to initiate or
resume any project or activity for which appropriations, funds, or
other authority were not available during the previous fiscal year.
(b) Apportionment Timing.--Appropriations made and funds made
available by or authority granted pursuant to this Act may be used
without regard to the time limitations for submission and approval of
apportionments set forth in section 1513 of title 31, United States
Code, but nothing in this Act may be construed to waive any other
provision of law governing the apportionment of funds.
(c) High Rates for Operation.--Notwithstanding any other provision
of this Act, except section 2(b), for those programs that would
otherwise have high rates for operation or complete distribution of
appropriations in the period for which appropriations for such programs
are made available under this Act because of distributions of funding
to States, foreign countries, grantees, or others, such high initial
rates for operation or complete distribution shall not be made, and no
grants shall be awarded for such programs funded by this Act that would
impinge on final funding prerogatives.
(d) Limited Funding Actions.--This Act shall be implemented so that
only the most limited funding action of that permitted in the Act shall
be taken in order to provide for continuation of projects and
activities.
(e) Prevention of Furloughs.--Amounts made available under section
2(a) for civilian personnel compensation and benefits in each
department and agency may be apportioned up to the rate for operations
necessary to avoid furloughs within such department or agency,
consistent with the applicable appropriation Act for the previous
fiscal year, except that such authority provided under this section
shall not be used until after the department or agency has taken all
necessary actions to reduce or defer non-personnel-related
administrative expenses.
(f) Pay for Members of the Armed Forces.--During a period in which
appropriations are made available under this Act for the pay of members
of the Armed Forces, the rate of pay for such members shall not be
decreased by reason of this Act.
(g) Application of Certain Authorization Requirements.--Funds
appropriated by this Act may be obligated and expended notwithstanding
section 10 of Public Law 91-672 (22 U.S.C. 2412), section 15 of the
State Department Basic Authorities Act of 1956 (22 U.S.C. 2680),
section 313 of the Foreign Relations Authorization Act, Fiscal Years
1994 and 1995 (22 U.S.C. 6212), and section 504(a)(1) of the National
Security Act of 1947 (50 U.S.C. 414(a)(1)).

SEC. 5. ADJUSTMENT OF ACCOUNTS.

Expenditures made pursuant to this Act shall be charged to the
applicable appropriation, fund, or authorization whenever a bill in
which such applicable appropriation, fund, or authorization is
contained is enacted into law.

SEC. 6. ENTITLEMENTS AND OTHER MANDATORY PROGRAMS.

(a) For entitlements and other mandatory payments whose budget
authority was provided in previous appropriation Acts, and for
activities under the Food and Nutrition Act of 2008, activities shall
be continued at the rate to maintain program levels under current law,
under the authority and conditions provided in the applicable
appropriation Act for the previous fiscal year, to be continued through
the date on which appropriations for such programs under this Act
expire (as specified in section 2(b)).
(b) Notwithstanding section 2(b)(3), obligations for mandatory
payments due on or about the first day of any month that begins after
the first month in which appropriations for such programs are made
under this Act but not later than 30 days after the date on which
appropriations for such programs under this Act expire (as specified in
section 2(b)(3)) may continue to be made, and funds shall be available
for such payments.

A: Stop Government Shutdowns Act - Appropriates amounts for continuing federal projects and activities at the current rate for operations and under the authority and conditions provided in the applicable appropriation Act or Acts that provided funds for them for the previous fiscal year if, as a result of a failure to enact a regular or continuing appropriation Act or joint resolution, there is a lapse in appropriations for such projects or activities.

Makes appropriations, funds, and authority granted in this Act available until the earliest of: (1) the enactment into law of an appropriation for the project or activity concerned, (2) the enactment into law of the applicable appropriation Act for such fiscal year without any provision for such project or activity, or (3) the last day of the fiscal year for which such appropriations and funds are made available or such authority is granted for such project or activity.

Prohibits appropriations or funds made available or authority granted pursuant to this Act from being used to initiate or resume any project or activity for which appropriations, funds, or other authority were not available during the previous fiscal year.

Authorizes the use of appropriations or funds made available or authority granted without regard to specified time limitations for submission and approval of apportionments requirements; but declares that nothing in this Act may be construed to waive any other provision of law governing the apportionment of funds.

Prescribes requirements for: (1) denial of high rates for operation or complete distribution of appropriations in the lapsed-appropriations period, (2) the most limited funding action for continuation of projects and activities, and (3) apportionment of funds for civilian personnel compensation and benefits as necessary to avoid furloughs. Prohibits any decrease in the pay for members of the Armed Forces during a lapsed-appropriations period.

Requires expenditures made pursuant to this Act to be charged to the applicable appropriation, fund, or authorization whenever an appropriations bill is subsequently enacted into law.

Continues at a specified maintenance rate, through the date on which appropriations for such programs under this Act expires, certain activities with respect to entitlements and other mandatory payments whose budget authority was provided in previous appropriations Acts, as well as for activities under the Food and Nutrition Act of 2008.
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Q: SECTION 1. SHORT TITLE.

This Act may be cited as the ''Justice for Victims of Fraud Act of
2016''.

SEC. 2. FINDINGS.

The Congress finds the following:
(1) The Bureau of Consumer Financial Protection found that
Wells Fargo management implemented sales incentives, including
an incentive-compensation program, in part to increase the
number of banking products and services that its employees sold
to its customers.
(2) The Bureau of Consumer Financial Protection found that
Wells Fargo employees engaged in improper sales practices to
satisfy sales goals under Wells Fargo's incentive compensation
program, including opening as many as 1,534,280 checking
accounts and 565,443 credit card accounts using consumers'
information without their knowledge or consent between May 2011
and July 2015.
(3) Wells Fargo successfully claimed in Jabbari v. Wells
Fargo that customers had signed away their rights to hold Wells
Fargo accountable in court for claims of fraud because those
customers were bound to a forced arbitration clause for their
legitimate accounts.
(4) After Wells Fargo publicly entered a settlement with
Federal regulators for the opening of thousands of unauthorized
customer accounts, Wells Fargo claimed in Mitchell et. al. v.
Wells Fargo et. al. that customers' fraud claims must continue
to be forced into arbitration.
(5) Several courts have determined that despite claims of
fraud over unauthorized accounts opened without customer
knowledge or consent, those customers are still bound by
contracts forcing those claims into arbitration based on the
courts' interpretation of the Federal Arbitration Act.
(6) The Federal Arbitration Act (now codified as chapter 1
of title 9, United States Code) was intended to apply to
disputes between commercial entities of generally similar
sophistication and bargaining power, but a series of decisions
by the Supreme Court of the United States have interpreted the
Federal Arbitration Act as applicable to claims of fraud.
(7) Consumers have no meaningful choice whether to submit
their claims to arbitration and are typically unaware that they
have given up their rights to file claims in court.

SEC. 3. ARBITRATION OF CONSUMER DISPUTES RELATED TO CREDIT CARD
ACCOUNTS.

Chapter 2 of the Truth in Lending Act (15 U.S.C. 1631 et seq.) is
amended by adding at the end the following (and the table of contents
for such chapter is conformed accordingly):
''Sec. 140B. Validity and enforceability
''(a) Definitions.--In this section--
''(1) the term 'covered dispute' means a dispute that is
not subject to a final judgment by a court; and
''(2) the term 'predispute arbitration agreement' means any
agreement between a person and a consumer providing for
arbitration of any future dispute between the parties.
''(b) Validity and Enforceability.--No predispute arbitration
agreement shall be valid or enforceable in a covered dispute that is
related to a credit card that was not issued in response to a request
or application for that credit card account.
''(c) Applicability.--The applicability of this section to a
predispute arbitration agreement shall be determined by a State or
Federal court of competent jurisdiction.''.

SEC. 4. ARBITRATION OF CONSUMER DISPUTES RELATED TO COVERED ACCOUNTS.

The Electronic Fund Transfer Act (15 U.S.C. 1693 et seq.) is
amended by inserting after section 920 (15 U.S.C. 1693o-2) the
following:

''SEC. 920A. VALIDITY AND ENFORCEABILITY.

''(a) Definitions.--In this section--
''(1) the term 'covered account'--
''(A) means a demand deposit, savings deposit, or
other asset account (other than an occasional or
incidental credit balance in an open end credit plan as
defined in section 103(i)), as described in regulations
of the Bureau, established primarily for personal,
family, or household purposes, including demand
accounts, time accounts, negotiable order of withdrawal
accounts, and share draft accounts; and
''(B) does not include an account held by a
financial institution pursuant to a bona fide trust
agreement;
''(2) the term 'covered dispute' means a dispute that is
not subject to a final judgment by a court; and
''(3) the term 'predispute arbitration agreement' means any
agreement between a financial institution and a consumer
providing for arbitration of any future dispute between the
parties.
''(b) Validity and Enforceability.--No predispute arbitration
agreement shall be valid or enforceable in a covered dispute that is
related to a covered account that was not issued in response to a
request or application for that covered account.
''(c) Applicability.--The applicability of this section to a
predispute arbitration agreement shall be determined by a State or
Federal court of competent jurisdiction.''.

SEC. 5. RULE OF CONSTRUCTION.

Nothing in the amendments made by this Act shall be construed--
(1) to authorize the imposition of a requirement to submit
a dispute to arbitration; or
(2) to restrict any court from ruling that a requirement to
submit a dispute to arbitration is invalid or unenforceable.

A: Justice for Victims of Fraud Act of 2016 This bill amends the Truth in Lending Act and the Electronic Fund Transfer Act to prohibit predispute arbitration agreements with consumers (i.e., agreements to arbitrate any future disputes between parties instead of pursuing the claims in court) from being valid or enforceable in disputes related to credit card accounts or personal bank accounts that are not subject to a final judgment by a court if the credit card or bank account was not issued in response to a request or application for that account. The bill excludes from this prohibition accounts held by a financial institution pursuant to a bona fide trust agreement.
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Q: SECTION 1. SHORT TITLE; TABLE OF CONTENTS.

(a) Short Title.--This Act may be cited as the ''Reduce and End our
Deficits Using Commonsense Eliminations in the Agriculture Program
Act''.
(b) Table of Contents.--The table of contents of this Act is as
follows:

Sec. 1. Short title; table of contents.
Sec. 2. Termination of Federal commodity storage payments on behalf of
cotton and peanut producers.
Sec. 3. Termination of Forest Service Economic Action Program.
Sec. 4. Termination of authority to provide grants to manufacturers of
worsted wool fabrics.
Sec. 5. Termination of Department of Agriculture health care services
program for the Delta region.
Sec. 6. Termination of authority to provide energy generation,
transmission, and distribution facilities
efficiency grants and loans in rural
communities with extremely high energy
costs.
Sec. 7. Revised adjusted gross income limitations for receipt of direct
payments, counter-cyclical payments,
marketing loan gains, loan deficiency
payments, and other agricultural payments
or benefits.
Sec. 8. Imposition of new limits on payments to producers of certain
agricultural commodities.
Sec. 9. One percent reduction in payment acres for commodity programs.
Sec. 10. Reduction in funding for market access program.
Sec. 11. Reduction in reimbursement rate paid to private insurance
companies under crop insurance program.
Sec. 12. Prohibition on timber sales in the Southwestern, Pacific
Southwest, and Alaska regions of the
National Forest System, where Federal
expenditures for sales have been
significantly higher than offsetting
receipts.

SEC. 2. TERMINATION OF FEDERAL COMMODITY STORAGE PAYMENTS ON BEHALF OF
COTTON AND PEANUT PRODUCERS.

(a) Cotton.--Section 1204 of the Food, Conservation, and Energy Act
of 2008 (7 U.S.C. 8734) is amended by striking subsection (g).
(b) Peanuts.--Section 1307(a) of the Food, Conservation, and Energy
Act of 2008 (7 U.S.C. 8757(a)) is amended by striking paragraph (6).

SEC. 3. TERMINATION OF FOREST SERVICE ECONOMIC ACTION PROGRAM.

The Secretary of Agriculture shall terminate the Economic Action
Program administered by the Forest Service, which provides technical
and financial assistance to communities and groups to enhance rural
economies through the utilization of forest and related natural
resources.

SEC. 4. TERMINATION OF AUTHORITY TO PROVIDE GRANTS TO MANUFACTURERS OF
WORSTED WOOL FABRICS.

Section 4002(c) of the Wool Suit and Textile Trade Extension Act of
2004 (Public Law 108-429; 7 U.S.C. 7101 note) is amended by striking
paragraph (6).

SEC. 5. TERMINATION OF DEPARTMENT OF AGRICULTURE HEALTH CARE SERVICES
PROGRAM FOR THE DELTA REGION.

Section 379G of the Consolidated Farm and Rural Development Act (7
U.S.C. 2008u) is repealed.

SEC. 6. TERMINATION OF AUTHORITY TO PROVIDE ENERGY GENERATION,
TRANSMISSION, AND DISTRIBUTION FACILITIES EFFICIENCY
GRANTS AND LOANS IN RURAL COMMUNITIES WITH EXTREMELY HIGH
ENERGY COSTS.

Section 19 of the Rural Electrification Act of 1936 (7 U.S.C. 918a)
is repealed.

SEC. 7. REVISED ADJUSTED GROSS INCOME LIMITATIONS FOR RECEIPT OF DIRECT
PAYMENTS, COUNTER-CYCLICAL PAYMENTS, MARKETING LOAN
GAINS, LOAN DEFICIENCY PAYMENTS, AND OTHER AGRICULTURAL
PAYMENTS OR BENEFITS.

(a) Non-Farm Income Limitation for Commodity Programs.--Section
1001D(b)(1)(A) of the Food Security Act of 1985 (7 U.S.C. 1308-
3a(b)(1)(A)) is amended by striking ''$500,000'' and inserting ''the
following:
''(i) $500,000, during the 2009 through
2010 crop, program, or fiscal years, as
appropriate.
''(ii) $420,000, during the 2011 crop,
program, or fiscal year, as appropriate.
''(iii) $340,000, during the 2012 crop,
program, or fiscal year, as appropriate.
''(iv) $250,000, during the 2013 and
subsequent crop, program, or fiscal years, as
appropriate.''.
(b) Farm Income Limitation for Direct Payments.--Section
1001D(b)(1)(B) of the Food Security Act of 1985 (7 U.S.C. 1308-
3a(b)(1)(B)) is amended by striking ''$750,000'' and inserting ''the
following:
''(i) $750,000, during the 2009 through
2010 crop years.
''(ii) $670,000, during the 2011 crop year.
''(iii) $590,000, during the 2012 crop
year.
''(iv) $500,000, during the 2013 and
subsequent crop years.''.
(c) Non-Farm Income Limitation for Conservation Programs.--Section
1001D(b)(2)(A) of the Food Security Act of 1985 (7 U.S.C. 1308-
3a(b)(2)(A)) is amended--
(1) in clause (i), by striking ''$1,000,000'' and inserting
''the amount specified in clause (iii)''; and
(2) by adding at the end the following new clause:
''(iii) Declining limitation amounts.--For
purposes of clause (i), the following average
adjusted gross non-farm income limitations
apply:
''(I) $1,000,000, during the 2009
through 2010 crop, program, or fiscal
years, as appropriate.
''(II) $920,000, during the 2011
crop, program, or fiscal year, as
appropriate.
''(III) $840,000, during the 2012
crop, program, or fiscal year, as
appropriate.
''(IV) $750,000, during the 2013
and subsequent crop, program, or fiscal
years, as appropriate.''.

SEC. 8. IMPOSITION OF NEW LIMITS ON PAYMENTS TO PRODUCERS OF CERTAIN
AGRICULTURAL COMMODITIES.

(a) Covered Commodities Generally.--
(1) Direct payments.--Section 1001(b)(1)(A) of the Food
Security Act of 1985 (7 U.S.C. 1308(b)(1)(A)) is amended by
striking ''$40,000'' and inserting ''$20,000''.
(2) Counter-cyclical payments.--Section 1001(b)(2) of the
Food Security Act of 1985 (7 U.S.C. 1308(b)(2)) is amended by
striking ''$65,000'' and inserting ''$32,500''.
(3) ACRE and counter-cyclical payments.--Section
1001(b)(3)(A) of the Food Security Act of 1985 (7 U.S.C.
1308(b)(3)(A)) is amended by striking ''$65,000'' and inserting
''$32,500''.
(b) Peanuts.--
(1) Direct payments.--Section 1001(c)(1)(A) of the Food
Security Act of 1985 (7 U.S.C. 1308(c)(1)(A)) is amended by
striking ''$40,000'' and inserting ''$20,000''.
(2) Counter-cyclical payments.--Section 1001(c)(2) of the
Food Security Act of 1985 (7 U.S.C. 1308(c)(2)) is amended by
striking ''$65,000'' and inserting ''$32,500''.
(3) ACRE and counter-cyclical payments.--Section
1001(c)(3)(A) of the Food Security Act of 1985 (7 U.S.C.
1308(c)(3)(A)) is amended by striking ''$65,000'' and inserting
''$32,500''.

SEC. 9. ONE PERCENT REDUCTION IN PAYMENT ACRES FOR COMMODITY PROGRAMS.

(a) Covered Commodities Generally.--Section 1001 of the Food,
Conservation, and Energy Act of 2008 (7 U.S.C. 8702) is amended by
striking paragraph (11) and inserting the following new paragraph:
''(11) Payment acres.--The term 'payment acres' means--
''(A) in the case of direct payments--
''(i) for each of the 2009 and 2010 crop
years, 83.3 percent of the base acres for the
covered commodity on a farm on which direct
payments are made;
''(ii) for the 2011 crop year, 82.3 percent
of the base acres for the covered commodity on
a farm on which direct payments are made; and
''(iii) for the 2012 crop year, 84 percent
of the base acres for the covered commodity on
a farm on which direct payments are made; and
''(B) in the case of counter-cyclical payments--
''(i) for each of the 2009 and 2010 crop
years, 85 percent of the base acres for the
covered commodity on a farm on which counter-
cyclical payments are made; and
''(ii) for each of the 2011 and 2012 crop
years, 84 percent of the base acres for the
covered commodity on a farm on which counter-
cyclical payments are made.''.
(b) Peanuts.--Section 1301 of the Food, Conservation, and Energy
Act of 2008 (7 U.S.C. 8751) is amended by striking paragraph (5) and
inserting the following new paragraph:
''(5) Payment acres.--The term 'payment acres' means--
''(A) in the case of direct payments--
''(i) for each of the 2009 and 2010 crop
years, 83.3 percent of the base acres of
peanuts on a farm on which direct payments are
made;
''(ii) for the 2011 crop year, 82.3 percent
of the base acres of peanuts on a farm on which
direct payments are made; and
''(iii) for the 2012 crop year, 84 percent
of the base acres of peanuts on a farm on which
direct payments are made; and
''(B) in the case of counter-cyclical payments--
''(i) for each of the 2009 and 2010 crop
years, 85 percent of the base acres of peanuts
on a farm on which counter-cyclical payments
are made; and
''(ii) for each of the 2011 and 2012 crop
years, 84 percent of the base acres of peanuts
on a farm on which counter-cyclical payments
are made.''.

SEC. 10. REDUCTION IN FUNDING FOR MARKET ACCESS PROGRAM.

Section 211(c)(1)(A) of the Agricultural Trade Act of 1978 (7
U.S.C. 5641(c)(1)(A)) is amended by striking ''and $200,000,000 for
each of fiscal years 2008 through 2012'' and inserting ''$200,000,000
for each of fiscal years 2008 through 2010, and $160,000,000 for each
of fiscal years 2011 and 2012''.

SEC. 11. REDUCTION IN REIMBURSEMENT RATE PAID TO PRIVATE INSURANCE
COMPANIES UNDER CROP INSURANCE PROGRAM.

Section 508(k) of the Federal Crop Insurance Act (7 U.S.C. 1508(k))
is amended--
(1) in subparagraph (A), by striking clauses (i) and (ii)
and inserting the following new clauses:
''(i) for the 1998 reinsurance year, 27
percent of the premium used to define loss
ratio;
''(ii) for each of the 1999 through 2010
reinsurance years, 24.5 percent of the premium
used to define loss ratio; and
''(iii) for each of the 2011 and subsequent
reinsurance years, 20.9 percent of the premium
used to define loss ratio.'';
(2) by striking subparagraph (E); and
(3) by redesignating subparagraph (F) as subparagraph (E),
and in such subparagraph, by striking ''subparagraphs (A)
through (E)'' and inserting ''subparagraphs (A) through (D)''.

SEC. 12. PROHIBITION ON TIMBER SALES IN THE SOUTHWESTERN, PACIFIC
SOUTHWEST, AND ALASKA REGIONS OF THE NATIONAL FOREST
SYSTEM, WHERE FEDERAL EXPENDITURES FOR SALES HAVE BEEN
SIGNIFICANTLY HIGHER THAN OFFSETTING RECEIPTS.

The Secretary of Agriculture may not conduct, or authorize others
to conduct, any timber sale under section 14 of the National Forest
Management Act of 1976 (16 U.S.C. 472a) in the Southwestern, Pacific
Southwest, or Alaska region of the National Forest System, where
Federal expenditures to support timber sales have been significantly
higher than offsetting receipts, until the Secretary certifies to
Congress that timber sales in the region will generate receipts at
least equal to Federal expenditures to support the sales.

A:
Reduce and End our Deficits Using Commonsense Eliminations in the Agriculture Program Act - Amends the Food, Conservation, and Energy Act of 2008 to terminate cotton and peanut storage payments.

Directs the Secretary of Agriculture (USDA) to terminate the Forest Service's Economic Action Program.

Amends the Wool Suit and Textile Trade Extension Act of 2004 to terminate the grant program for manufacturers of worsted wool fabrics.

Amends the Consolidated Farm and Rural Development Act to terminate the Delta region health care services program.

Amends the Rural Electrification Act of 1936 to terminate the grant and loan program for energy generation, transmission, and distribution facilities efficiency in rural communities with extremely high energy costs.

Amends the Food Security Act of 1985 to revise income eligibility limitations for: (1) commodity program non-farm income; (2) direct payment farm income; and (3) conservation program non-farm income.

Reduces crop year payment limits for covered commodity and peanut: (1) direct payments; (2) counter-cyclical payments; and (3) average crop revenue election (ACRE)/counter-cyclical payments.

Amends the Food, Conservation, and Energy Act of 2008 to revise the definition of "payment acres" for covered commodity and peanut direct and counter-cyclical payments.

Amends the Agricultural Trade Act of 1978 to reduce additional FY2011 and FY2012 funding for the market access program.

Amends the Federal Crop Insurance Act to reduce the reimbursement rate beginning in FY2011 for private insurance providers under the crop insurance program.

Prohibits the Secretary from conducting timber sales in the Southwestern, Pacific Southwest, or Alaska region of the National Forest System where federal expenditures to support timber sales have been significantly higher than offsetting receipts until the Secretary certifies to Congress that timber sales in the region will generate receipts at least equal to supporting federal expenditures.
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