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 ''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. FINDINGS.

The Congress makes the following findings:
(1) Jesse Louis Jackson, Sr. was born on October 8, 1941,
in Greenville, South Carolina.
(2) In 1965 Jesse L. Jackson, Sr. joined the civil rights
movement full-time, beginning his activism as a student leader
in the sit-in movement and continuing as a young organizer for
the Southern Christian Leadership Conference as an assistant to
Dr. Martin Luther King, Jr.
(3) On June 30, 1968, Jesse L. Jackson, Sr. became an
ordained minister, having attended the Chicago Theological
Seminary.
(4) Jesse L. Jackson, Sr. served as the national director
for Operation Breadbasket and, in 1971 in Chicago, Illinois,
founded People United to Save Humanity, known as PUSH.
(5) In 1984 Jesse L. Jackson, Sr. founded the National
Rainbow Coalition, a national social justice organization
devoted to political empowerment and to expanding educational
and employment opportunities for disadvantaged people and for
communities of color.
(6) In 1996 Jesse L. Jackson, Sr. merged the National
Rainbow Coalition and PUSH to continue the philosophies of both
organizations and to maximize their resources.
(7) Jesse L. Jackson, Sr. is, and has been for more than 30
years, one of the foremost political figures in the United
States, playing a pivotal role in virtually every movement for
human rights, civil rights, peace, gender equality,
empowerment, and economic and social justice.
(8) Jesse L. Jackson, Sr. has been and continues to be
counted on to serve as a champion and spokesman for a segment
of the population whose voices all too often are not heard.
(9) Jesse L. Jackson, Sr. has been called the ''conscience
of the Nation'' and the ''great unifier'', challenging the
United States to establish just and humane priorities.
(10) Jesse L. Jackson, Sr. has led a myriad of successful
delegations, marches, and missions for justice, peace, and
reconciliation.
(11) Jesse L. Jackson, Sr. is a highly respected world
leader who has acted on many occasions as an international
diplomat.
(12) In 1984 Jesse L. Jackson, Sr. secured the release of a
captured Navy pilot, Lieutenant Robert Goodman, who was shot
down over Lebanon. He also negotiated the release of 22
Americans and 26 Cubans in Cuba during 1984.
(13) In 1990 Jesse L. Jackson, Sr. won the release of
hundreds of foreign nationals, including 47 Americans, being
held in Iraq and Kuwait by Saddam Hussein.
(14) In October 1997 Jesse L. Jackson, Sr. was appointed by
President William Jefferson Clinton and by Secretary of State
Madeleine K. Albright as the Special Envoy of the President and
the Secretary of State for the Promotion of Democracy in
Africa.
(15) On May 2, 1999, Jesse L. Jackson, Sr. obtained the
negotiated release of Army Specialist Steven M. Gonzales and
Staff Sergeants Christopher J. Stone and Andrew Ramirez, 3
United States soldiers who had spent 32 days in captivity in
Yugoslavia as prisoners of war and hostages.
(16) Jesse L. Jackson, Sr. has dedicated his life to the
principles of freedom, peace, justice, international good will,
and the struggle for civil rights and equality for Americans
and for all peoples, at home and abroad.

SEC. 2. CONGRESSIONAL GOLD MEDAL.

(a) Presentation Authorized.--The President is authorized to
present, on behalf of the Congress, a gold medal of appropriate design
to Jesse L. Jackson, Sr. in recognition of his outstanding and enduring
contributions to the Nation.
(b) Design and Striking.--For the purpose of the presentation
referred to in subsection (a), the Secretary of the Treasury shall
strike a gold medal with suitable emblems, devices, and inscriptions,
to be determined by the Secretary.
(c) Authorization of Appropriation.--Effective February 1, 1999,
there are authorized to be appropriated $30,000 to carry out this
section.

SEC. 3. DUPLICATE MEDALS.

(a) Striking and Sale.--The Secretary of the Treasury may strike
and sell duplicates in bronze of the gold medal struck under section 2
under such regulations as the Secretary may prescribe, at a price
sufficient to cover the cost thereof, including labor, materials, dies,
use of machinery, and overhead expenses, and the cost of the gold
medal.
(b) Reimbursement of Appropriation.--The appropriation used to
carry out section 2 shall be reimbursed out of the proceeds of sales
under subsection (a).

SEC. 4. NATIONAL MEDALS.

The medals struck under this Act are national medals for purposes
of chapter 51 of title 31, United States Code.

A: Authorizes the President to present to Jesse L. Jackson, on behalf of the Congress, a gold medal in recognition of his outstanding and enduring contributions to the Nation.
Authorizes appropriations.
****
Q: SECTION 1. SHORT TITLE.

This Act may be cited as the ''Senior Financial Empowerment Act of
2010''.

SEC. 2. FINDINGS.

The Congress finds as follows:
(1) The proportion of the population of the United States
age 60 years or older will drastically increase in the next 30
years as more than 76,000,000 Baby Boomers approach retirement
and old age.
(2) Each year, anywhere between 500,000 and 5,000,000
seniors in the United States are abused, neglected, or
exploited.
(3) Senior abuse, neglect, and exploitation have no
boundaries, and cross all racial, social class, gender, and
geographic lines.
(4) Millions of individuals in the United States are
victims of financial exploitation, including mail,
telemarketing, and Internet fraud, each year. Many of those who
fall prey to these crimes are seniors.
(5) It is difficult to estimate the prevalence of fraud
targeting seniors because cases are severely underreported and
national statistics on senior fraud do not exist.
(6) The Federal Bureau of Investigation notes that senior
Americans are less likely to report fraud because they do not
know to whom to report, they are ashamed to have been a victim
of fraud, or they do not know that they have been a victim of
fraud. In some cases, a senior victim of fraud may not report
the crime because he or she is concerned that relatives may
come to the conclusion that the victim no longer has the mental
capacity to take care of his or her own financial affairs.
(7) According to a 2009 report by the MetLife Mature Market
Institute, the annual financial loss by victims of senior
financial abuse is estimated to be at least $2,600,000,000.
(8) Perpetrators of mail, telemarketing, and Internet fraud
frequently target seniors because seniors are often vulnerable
and trusting people.
(9) As victims of such fraudulent schemes, many seniors
have been robbed of their hard-earned life savings and
frequently pay an emotional cost, losing not only their money,
but also their self-respect and dignity.
(10) Perpetrators of fraud targeting seniors often operate
outside the United States, reaching their victims through the
mail, telephone lines, and the Internet.
(11) The Deceptive Mail Prevention and Enforcement Act
increased the power of the United States Postal Service to
protect consumers against persons who use deceptive mailings,
such as those featuring games of chance, sweepstakes, skill
contests, and facsimile checks.
(12) During fiscal year 2007, analysts prepared more than
27,000 letters and informative postcards in response to mail
fraud complaints. During that same year, postal inspectors
investigated 2,909 mail fraud cases in the United States, and
arrested 1,236 mail fraud suspects, of whom 1,118 were
convicted. Postal inspectors also reported 162 telemarketing
fraud investigations, with 83 arrests and 61 convictions
resulting from such investigations.
(13) In 2000, the United States Senate Special Committee on
Aging reported that, each year, consumers lose approximately
$40,000,000,000 to telemarketing fraud, and estimated that
approximately 10 percent of the Nation's 14,000 telemarketing
firms were fraudulent. Some researchers estimate that only one
in 10,000 fraud victims reports the crime to the authorities.
(14) A 2003 report by AARP found that the crime of
telemarketing fraud is grossly underreported among senior
victims, but that those who are properly counseled by trained
peer volunteers are less likely to fall victim to fraudulent
practices.
(15) The Federal Bureau of Investigation reports that the
threat of fraud to seniors is growing and changing. Many
younger Baby Boomers have considerable computer skills, and
criminals are modifying their targeting techniques by using not
only traditional telephone calls and mass mailings, but also
online scams like phishing and e-mail spamming.
(16) The IC3 is a partnership between the National White
Collar Crime Center and the Federal Bureau of Investigation
that serves as a vehicle to receive, develop, and refer
criminal complaints regarding cybercrime. The IC3 processed
more than 219,553 complaints of Internet crime in 2007. From
these submissions, the IC3 referred 90,008 complaints of
Internet crime, representing a total dollar loss of
$239,090,000, to Federal, State, and local law enforcement
agencies in the United States for further consideration.
(17) Consumer awareness is the best protection from fraud.

SEC. 3. CENTRALIZED SERVICE FOR CONSUMER EDUCATION ON MAIL,
TELEMARKETING, AND INTERNET FRAUD TARGETING SENIORS.

(a) Centralized Service.--
(1) Requirement.--The Federal Trade Commission shall, after
consultation with the Attorney General, the Secretary of Health
and Human Services, the Postmaster General, and the Chief
Postal Inspector for the United States Postal Inspection
Service--
(A) disseminate to seniors and families and
caregivers of seniors general information on mail,
telemarketing, and Internet fraud targeting seniors,
including descriptions of the most common fraud
schemes;
(B) disseminate to seniors and families and
caregivers of seniors information on means of referring
complaints of fraud targeting seniors to appropriate
law enforcement agencies, including the Director of the
Federal Bureau of Investigation, the attorneys general
of the States, and a national toll-free telephone
number for reporting mail, telemarketing, and Internet
fraud established by the Federal Trade Commission;
(C) in response to a specific request about a
particular entity or individual, provide publically
available information on any record of civil or
criminal law enforcement action for mail,
telemarketing, or Internet fraud against such entity;
and
(D) maintain a Web site to serve as a resource for
information for seniors and families and caregivers of
seniors regarding mail, telemarketing, and Internet
fraud targeting seniors.
(2) Commencement.--The Federal Trade Commission shall
establish and implement procedures to carry out the
requirements of paragraph (1) not later than one year after the
date of the enactment of this Act.
(b) Authorization of Appropriations.--There is authorized to be
appropriated to carry out this section $10,000,000 for each of the
fiscal years 2011 through 2015.

SEC. 4. GRANTS TO PREVENT MAIL, TELEMARKETING, AND INTERNET FRAUD.

(a) Grant Program Authorized.--Subject to the availability of funds
authorized to be appropriated under this section, the Attorney General,
after consultation with the Secretary of Health and Human Services, the
Postmaster General, and the Chief Postal Inspector for the United
States Postal Inspection Service, shall establish and administer a
competitive grant program to award grants to eligible organizations to
carry out mail, telemarketing, and Internet fraud prevention education
programs for seniors.
(b) Eligible Organizations.--The Attorney General may award grants
under this section to State Attorneys General, State and local law
enforcement agencies and groups, senior centers, and other local
nonprofit organizations that provide assistance to seniors, as
determined by the Attorney General.
(c) Authorization of Appropriations.--There is authorized to be
appropriated to carry out this section $20,000,000 for each of the
fiscal years 2011 through 2015.

SEC. 5. SENSE OF THE CONGRESS RELATED TO NATIONAL SENIOR FRAUD
AWARENESS WEEK.

It is the sense of the Congress that--
(1) there is a need to increase public awareness of the
enormous impact that mail, telemarketing, and Internet fraud
has on senior citizens in the United States;
(2) a week in the month of May should be designated as
''National Senior Fraud Awareness Week'';
(3) the people of the United States should observe National
Senior Fraud Awareness Week with appropriate educational
activities; and
(4) the President is encouraged to issue a proclamation
supporting increased public awareness of the impact of, and the
need to prevent, fraud committed against seniors.

A:
Senior Financial Empowerment Act of 2010 - Requires the Federal Trade Commission (FTC): (1) to disseminate to seniors and their families and caregivers information on mail, telemarketing, and Internet fraud targeting seniors, including on ways of referring complaints to appropriate law enforcement agencies; (2) in response to a request about a particular entity or individual, to provide publicly available information on any record of civil or criminal law enforcement action for such fraud; and (3) to maintain a website as a resource for such individuals on those kinds of fraud.

Directs the Attorney General to establish and administer a competitive grant program for mail, telemarketing, and Internet fraud prevention education programs for senior citizens.

Expresses the sense of Congress with respect to public awareness of the impact of such fraud on senior citizens.
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