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 ''Bankruptcy Amendments of 1993''.

SEC. 2. AMENDMENTS.

(a) Who May Be a Debtor Under Chapter 13.--Section 109(e) of title
11, United States Code, is amended--
(1) by striking '', unsecured debts of less than $100,000
and noncontingent, liquidated, secured debts of less than
$350,000'' and inserting ''debts of less than $1,000,000'', and
(2) by striking '', unsecured debts that aggregate less
than $100,000 and noncontingent, liquidated, secured debts of
less than $350,000'' and inserting ''debts of less than
$1,000,000''.
(b) Automatic Stay.--The last sentence of section 362(e) of title
11, United States Code, is amended--
(1) by striking ''commenced'' and inserting ''concluded'',
and
(2) by inserting before the period at the end the
following:
''unless the 30-day period is extended with the consent of the parties
in interest or for a specific time that the court finds is required by
compelling circumstances''.
(c) Exemptions.--(1) Section 522(a) of title 11, United States
Code, is amended--
(A) in paragraph (1) by striking ''and'' at the end,
(B) by redesignating paragraph (2) as paragraph (3), and
(C) by inserting after paragraph (1) the following:
''(2) 'household goods' means furnishings, appliances,
linens, china, cookery, kitchenware, and personal effects, but
does not include--
''(A) works of art;
''(B) electronic entertainment equipment other than
one television and one radio;
''(C) jewelry (other than wedding and engagement
rings); and
''(D) antiques purchased by the debtor; and''.
(2) Section 522(d)(3) of title 11, United States Code, is amended--
(A) by striking ''household furnishings,'', and
(B) by striking ''appliances,''.
(3) Section 522(f)(2) of title 11, United States Code, is amended--
(A) by striking ''household furnishings,'', and
(B) by striking ''appliances,''.
(d) Exceptions to Discharge.--Section 523(a) of title 11, United
States Code, is amended--
(1) in paragraph (2)--
(A) by amending subparagraph (A) to read as
follows:
''(A) actual fraud, use of a credit card or other
access device to a revolving line of credit without the
intent to repay, or false pretenses or false
representations made or published with reckless
disregard for their truth or accuracy;''
(B) in subparagraph (B)(iv) by striking ''intent to
deceive'' and inserting ''reckless disregard for its
truth or accuracy'', and
(C) in subparagraph (C)--
(i) by striking ''$500'' and inserting
''$100'', and
(ii) by striking ''forty days'' and
inserting ''60 days'', and
(2) by amending paragraph (6) to read as follows:
''(6) for injury to another entity or property of another
entity resulting from the debtor's reckless disregard of such
entity's right or property interests;''.
(e) Effect of Discharge.--The third sentence of section 524(d) of
title 11, United States Code, is amended in the matter preceding
paragraph (1) by inserting ''and was not represented by an attorney
during the course of negotiating such agreement'' after ''this
section''.
(f) Preferences.--Section 547(c)(3)(B) of title 11, United States
Code, is amended by striking ''10'' and inserting ''20''.
(g) Contents of Plan.--Section 1322(b)(2) of title 11, United
States Code, is amended to read as follows:
''(2) modify the rights of the holders of secured claims,
but the plan may not modify a claim pursuant to section 506 of
a person holding a senior or a junior security interest in real
property that is the debtor's principal residence, except that
the plan may modify the claim of a person holding such a junior
security interest that was undersecured at the time the
interest attached to the extent that the interest remains
undersecured;''.
(h) Contents of Plan.--(1) Section 1322(c) of title 11, United
States Code, is amended to read as follows:
''(c) The plan may not provide for payments over a period that is
longer than 5 years.''.
(2) Section 1325(b)(1)(B) of title 11, United States Code, is
amended by striking ''three-year'' and inserting ''5-year''.
(3) Section 1329(c) of title 11, United States Code, is amended to
read as follows:
''(c) A plan modified under this section may not provide for
payments over a period that expires more than 5 years after the date
that the first payment under the original confirmed plan was due.''.
(i) Confirmation Hearing.--Section 1324 of title 11, United States
Code, is amended--
(1) by striking ''After'' and inserting ''(a) Except as
provided in subsection (b) and after'', and
(2) by adding at the end the following:
''(b) If a creditor objects not later than 5 days after receiving
notice of a hearing on confirmation of the plan, the hearing on
confirmation of the plan may be held only after the expiration of the
10-day period beginning on the date of the first meeting of creditors
under section 341(a).''.
(j) Payments.--Section 1326(c) of title 11, United States Code, is
amended by inserting ''timely'' after ''payments''.

SEC. 3. ANNUAL COMPILATION OF STATISTICAL INFORMATION REGARDING
BANKRUPTCY CASES.

Not later than June 30 of each year, the Administrative Office of
the United States Courts shall compile and make available to the public
statistical information with respect to cases in which a discharge is
entered under title 11 of the United States Code in the preceding
calendar year. Such information shall include--
(1) the liabilities and value of assets of the debtors in
such cases as of the order for relief,
(2) the monthly income and living expenses of such debtors,
as estimated by such debtors,
(3) the aggregate amount of debts discharged, and the
aggregate payments made to creditors, as of the date of
discharge, and
(4) the time elapsed between the filing of such cases and
the date of the first payment to a creditor under a plan
confirmed in such cases.

SEC. 4. EFFECTIVE DATE; APPLICATION OF AMENDMENTS.

(a) Effective Date.--Except as provided in subsection (b), this Act
and the amendments made by this Act shall take effect on the date of
the enactment of this Act.
(b) Application of Amendments.--The amendments made by this Act
shall not apply with respect to cases commenced under title 11 of the
United States Code before the date of the enactment of this Act.

A: Bankruptcy Amendments of 1993 - Amends Federal bankruptcy law to raise to $1 million the ceiling on debts for eligibility to file as a chapter 13 debtor (bankrupt consumer repayment of debt under court supervision). (Currently the ceiling is $100,000 for unsecured debts, or $350,000 for certain secured debts.) Modifies the guidelines for: (1) chapter 13 bankruptcies; (2) automatic stays; (3) exemptions; (4) discharges; and (5) preferences.
Directs the Administrative Office of the United States Courts to compile and make available to the public statistical information regarding bankruptcy cases.
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Q: SECTION 1. SHORT TITLE.

This Act may be cited as the ''Banking Privacy Act of 1999''.

SEC. 2. PERSONAL INFORMATION SHARING.

(a) Depository Institutions and Subsidiaries of Depository
Institutions.--Section 18 of the Federal Deposit Insurance Act (12
U.S.C. 1828) is amended by adding at the end the following new
subsection:
''(t) Personal Information Sharing Requirements.--
''(1) Information sharing prohibited if customer opts
out.--Notwithstanding any other provision of law and except as
permitted under paragraph (5), an insured depository
institution and a subsidiary of a depository institution may
not disclose or transfer customer information relating to any
customer to any other person, including an affiliate of the
depository institution, unless--
''(A) the customer to whom such information relates
has been provided with notice in accordance with
paragraph (2); and
''(B) the customer has not provided a written
directive (including a transmission by e-mail,
facsimile, or other form of electronic communication)
to the insured depository institution or subsidiary, at
any time before the close of business on the 6th
business day before such disclosure or transfer, that
such information shall not be disclosed or transferred,
except when specifically authorized by the customer in
connection with and pertaining to a specific
transaction with the depository institution or
subsidiary.
''(2) Notice.--
''(A) In general.--The notice referred to in
paragraph (1)(A) shall fully and fairly disclose, in
accordance with regulations which the Federal banking
agencies shall jointly prescribe, what information is
being disclosed or transferred, the policy of the
insured depository institution or subsidiary of an
insured depository institution with regard to
information sharing, and the right of the customer to
prohibit the disclosure or transfer of such
information.
''(B) Form of notice.--
''(i) In general.--The regulations
prescribed pursuant to subparagraph (A) shall
require that the notice required under such
subparagraph--
''(I) be prominently displayed on a
document which is separate from any
other document;
''(II) have the term 'Privacy
Notice' in prominent typeface at the
top of the notice.
''(ii) Notice requirements.--
''(I) Mailing.--If the notice
required under subparagraph (A) is
mailed to the customer, the notice
shall be mailed separately from any
other statement, document, or notice
mailed to the customer.
''(II) In person.--If the notice
required under subparagraph (A) is
disclosed to the customer in person by
an officer, director, or agent of the
depository institution or subsidiary
thereof, the officer, employee, or
agent shall obtain the written
acknowledgement of the customer of the
receipt of such notice separately from
any other signature or written
acknowledgment of the customer.
''(3) Customer information defined.--For purposes of this
subsection, the term 'customer information' means any
information acquired from a customer of the insured depository
institution that is personally identifiable to the customer,
including information relating to transactions, balances,
maturity dates, payouts, and payout dates, and transaction or
experience information.
''(4) Reasonable opportunity to respond to notice.--In
order to provide any customer of an insured depository
institution or any subsidiary of an insured depository
institution with reasonable opportunity to respond to any
notice referred to in paragraph (1)(A), the prohibition
contained in paragraph (1) on the disclosure or transfer of any
customer information relating to such customer to any other
person, including an affiliate, shall continue during the 30-
day period beginning on the date the notice referred to in such
paragraph was sent or delivered to such customer, unless the
customer has authorized such disclosure or transfer.
''(5) Exceptions.--Paragraph (1) shall not apply to the
disclosure or transfer of customer information--
''(A) in connection with processing a specific
financial transaction that the customer to whom the
information relates has authorized, if--
''(i) the customer has been informed that
any such transaction will necessarily involve
the disclosure or transfer of such information;
and
''(ii) the person to whom such information
is transferred or disclosed is subject to a
legal or contractual obligation not to use such
information for any purpose other than in
connection with facilitating the transaction;
''(B) in connection with any routine financial
transaction which does not involve marketing of
services or the sale of customer information, if the
person to whom such information is transferred or
disclosed is subject to a legal or contractual
obligation not to use such information for any purpose
other than in connection with effectuating the
transaction;
''(C) in connection with clearing checks,
processing credit transactions or electronic fund
transfers, or providing mailing services, if the person
to whom such information is transferred or disclosed is
subject to a legal or contractual obligation not to use
such information for any purpose other than in
connection with clearing or processing the transaction
or providing the service;
''(D) to a governmental, regulatory, or self-
regulatory authority having jurisdiction over the
insured depository institution for examination,
compliance, or other authorized purposes;
''(E) to a court of competent jurisdiction;
''(F) to a consumer reporting agency, as defined in
section 603(f) of the Fair Credit Reporting Act, for
use solely in accordance with such Act;
''(G) in the case of a default by the customer on
an obligation to the depository institution or
subsidiary, to a debt collector, as defined in section
803(6) of the Fair Debt Collection Practices Act,
counsel, or other entity involved in debt collection,
for use solely in accordance with such Act;
''(H) in the case of any claim or litigation
between the customer and a depository institution or
subsidiary, to a counsel or other person involved in
the resolution of the dispute;
''(I) that is not personally identifiable to the
customer or is public information; or
''(J) that is necessary to prevent or investigate
fraudulent or unlawful acts which the depository
institution or subsidiary has a good faith belief may
occur or may have occurred.''.
(b) Bank Holding Companies and Affiliates of Bank Holding
Companies.--Section 5 of the Bank Holding Company Act of 1956 (12
U.S.C. 1844) is amended by adding at the end the following new
subsection:
''(g) Personal Information Sharing Requirements.--
''(1) Information sharing prohibited if customer opts
out.--Notwithstanding any other provision of law and except as
permitted under paragraph (5), a bank holding company and an
affiliate of a bank holding company (other than a depository
institution subsidiary or subsidiary of such depository
institution) may not disclose or transfer customer information
relating to any customer to any other person, including another
affiliate of the bank holding company, unless--
''(A) the customer to whom such information relates
has been provided with notice in accordance with
paragraph (2); and
''(B) the customer has not provided a written
directive (including a transmission by e-mail,
facsimile, or other form of electronic communication)
to the bank holding company or affiliate, at any time
before the close of business on the 6th business day
before such disclosure or transfer, that such
information shall not be disclosed or transferred,
except when specifically authorized by the customer in
connection with and pertaining to a specific
transaction with the bank holding company or affiliate.
''(2) Notice.--
''(A) In general.--The notice referred to in
paragraph (1)(A) shall fully and fairly disclose, in
accordance with regulations which the Board shall
prescribe, what information is being disclosed or
transferred, the policy of the bank holding company or
affiliate of a bank holding company with regard to
information sharing, and the right of the customer to
prohibit the disclosure or transfer of such
information.
''(B) Form of notice.--
''(i) In general.--The regulations
prescribed pursuant to subparagraph (A) shall
require that the notice required under such
subparagraph--
''(I) be prominently displayed on a
document which is separate from any
other document:
''(II) have the term 'Privacy
Notice' in prominent typeface at the
top of the notice.
''(ii) Notice requirements.--
''(I) Mailing.--If the notice
required under subparagraph (A) is
mailed to the customer, the notice
shall be mailed separately from any
other statement, document, or notice
mailed to the customer.
''(II) In person.--If the notice
required under subparagraph (A) is
disclosed to the customer in person by
an officer, director, or agent of the
bank holding company or affiliate
thereof, the officer, employee, or
agent shall obtain the written
acknowledgement of the customer of the
receipt of such notice separately from
any other signature or written
acknowledgment of the customer.
''(3) Customer information defined.--For purposes of this
subsection, the term 'customer information' means any
information acquired from a customer of the bank holding
company or affiliate that is personally identifiable to the
customer, including information relating to transactions,
balances, maturity dates, payouts, and payout dates, and
transaction or experience information.
''(4) Reasonable opportunity to respond to notice.--In
order to provide any customer of a bank holding company or any
affiliate of a bank holding company with reasonable opportunity
to respond to any notice referred to in paragraph (1)(A), the
prohibition contained in paragraph (1) on the disclosure or
transfer of any customer information relating to such customer
to any other person, including another affiliate, shall
continue during the 30-day period beginning on the date the
notice referred to in such paragraph was sent or delivered to
such customer, unless the customer has authorized such
disclosure or transfer.
''(5) Exceptions.--Paragraph (1) shall not apply to the
disclosure or transfer of customer information--
''(A) in connection with processing a specific
financial transaction that the customer to whom the
information relates has authorized, if--
''(i) the customer has been informed that
any such transaction will necessarily involve
the disclosure or transfer of such information;
and
''(ii) the person to whom such information
is transferred or disclosed is subject to a
legal or contractual obligation not to use such
information for any purpose other than in
connection with facilitating the transaction;
''(B) in connection with any routine financial
transaction which does not involve marketing of
services or the sale of customer information, if the
person to whom such information is transferred or
disclosed is subject to a legal or contractual
obligation not to use such information for any purpose
other than in connection with effectuating the
transaction;
''(C) in connection with clearing checks,
processing financial transactions or electronic fund
transfers, or providing mailing services, if the person
to whom such information is transferred or disclosed is
subject to a legal or contractual obligation not to use
such information for any purpose other than in
connection with clearing or processing the transaction
or providing the service;
''(D) to a governmental, regulatory, or self-
regulatory authority having jurisdiction over the
insured depository institution for examination,
compliance, or other authorized purposes;
''(E) to a court of competent jurisdiction;
''(F) to a consumer reporting agency, as defined in
section 603(f) of the Fair Credit Reporting Act, for
use solely in accordance with such Act;
''(G) in the case of a default by the customer on
an obligation to the bank holding company or affiliate,
to a debt collector, as defined in section 803(6) of
the Fair Debt Collection Practices Act, counsel, or
other entity involved in debt collection, for use
solely in accordance with such Act;
''(H) in the case of any claim or litigation
between the customer and a depository institution or
subsidiary, to counsel or any other person involved in
the resolution of the dispute;
''(I) that is not personally identifiable to the
customer or is public information; or
''(J) that is necessary to prevent or investigate
fraudulent or unlawful acts which the bank holding
company or affiliate has a good faith belief may occur
or may have occurred.''.

A: Banking Privacy Act of 1999 - Amends the Federal Deposit Insurance Act and the Bank Holding Company Act of 1956 to mandate customer notice and written consent as a prerequisite to personal information sharing between institutions under their purview (an insured depository institution or bank holding company, respectively) and other persons or affiliates.
Delineates notice and consent procedures.
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Q: SECTION 1. SHORT TITLE.

This Act may be cited as the ''Earned Income Credit Public
Awareness Campaign Act''.

SEC. 2. FINDINGS.

The Congress finds the following:
(1) In 2001, the earned income credit provided over
$30,000,000,000 in tax relief to 18,500,000 low-income
taxpayers.
(2) The earned income credit is the second largest program,
after Medicaid, that provides assistance to low-income
individuals combating poverty.
(3) Data from the United States Census Bureau Current
Population Survey indicates that in 1999, the earned income
credit assisted 4,700,000 people, including 2,600,000 children
of low-income workers, to rise above the poverty line.
(4) Each year, between 15 and 25 percent of those who are
eligible to receive the earned income credit fail to claim
their credit, either because they are unaware of it or cannot
obtain the assistance they may need to properly complete the
appropriate tax return.
(5) Lack of education, language barriers, fear or
intimidation, limited financial resources, and unawareness of
the earned income credit all contribute to low-income families
and individuals not taking advantage of the credit.
(6) The Taxpayer Advocate's Fiscal Year 2002 Annual Report
notes, ''The laws and regulations governing family status in
the Internal Revenue Code are numerous and complex. As a
result, taxpayers must often seek the service of paid tax
preparers to claim credits and benefits on returns. Low income
taxpayers are particularly susceptible to this need. They rely
extensively on paid preparers to assist in navigating the
intricacies of the Earned Income Tax Credit''.
(7) 2002 Internal Revenue Service data indicates that
nearly 68 percent of earned income credit recipients pay
someone to prepare their tax returns, and fewer than 1 in 10
have their tax returns prepared for free by the Volunteer
Income Tax Assistance program.
(8) An estimated $994,000,000 in earned income credit
refunds were paid by the taxpayer directly to tax preparers and
related businesses for costs associated with preparation,
filing, loans, and check cashing.
(9) Many low-income families and individuals are
disproportionately disadvantaged in meeting the financial
obligation of hiring tax preparers and purchasing tax
preparation products.
(10) According to the Taxpayer Advocate's Fiscal Year 2002
Annual Report, ''The Internal Revenue Service must undertake a
significant consumer education campaign so that low income
taxpayers are able to make informed choices between tax
preparers and tax preparation products''.
(11) Increasing public awareness about the earned income
credit will lead to increased utilization of the credit by low-
income families and individuals.

SEC. 3. EARNED INCOME TAX CREDIT AWARENESS CAMPAIGN.

(a) Establishment of National Campaign.--The Commissioner of
Internal Revenue (hereafter in this Act referred to as the
''Commissioner'') shall establish and carry out a national public
awareness campaign to educate Americans of the availability of the
credit allowable under section 32 of the Internal Revenue Code of 1986
(hereafter in this Act referred to as the ''earned income credit''.
(b) Special Targeted Campaign.--In carrying out subsection (a), the
Commissioner shall make special efforts to conduct outreach to--
(1) low-income families and individuals;
(2) students;
(3) single parents;
(4) businesses and corporations;
(5) limited English proficient individuals;
(6) transient workers; and
(7) military personnel.
(c) Educational Activities.--In carrying out subsection (a), the
Commissioner shall make special efforts to--
(1) produce and distribute educational materials to be
distributed nationwide to groups identified under subsection
(b);
(2) conduct a targeted media campaign highlighting the
earned income tax credit;
(3) encourage businesses and corporations to make available
and distribute educational materials produced under paragraph
(1) to their employees; and
(4) make educational materials available to public
libraries, post offices, State agencies, and other public
locations where tax information and forms are readily available
or tax preparation services are offered.
(d) Reports to Congress.--
(1) Annual report.--Not later than 1 year after the date of
enactment of this Act, and annually thereafter, the
Commissioner shall submit to the Congress a report detailing
the activities carried out by the Commissioner under this
section and section 5 of this Act and recommendations for
amendments to this Act.

SEC. 4. EARNED INCOME TAX CREDIT STATE GRANT PROGRAM.

(a) In General.--The Commissioner shall make grants to State
agencies for the purposes of carrying out an earned income credit
Statewide public awareness campaign in conjunction with the national
campaign under section 3.
(b) Allotments.--The Commission shall allot to each State for each
fiscal year an amount which bears the same ratio to the amount
appropriated to carry out subsection (a) for such fiscal year as the
total amount of earned income credit claims made by residents in that
State on returns filed during the second preceding fiscal year bears to
the total amount of earned income credit claims on returns filed during
such second preceding fiscal year.
(c) Requirement of Matching Funds.--To be eligible to receive an
allotment under this section, a State shall provide matching funds to a
grant made available under this section.
(d) Applications.--To be eligible to receive an allotment under
this section, a State shall submit an application to the Commissioner
at such time, in such manner, and containing such information as the
Commissioner may require.
(e) Accountability.--To be eligible to receive an allotment under
this section, within 180 days of receiving an allotment, a State shall
submit to the Commissioner a detailed report indicating steps taken by
the State to implement subsection (a) of this section.
(f) Funding.--No less than 25 percent and no more than 50 percent
of the funds appropriated to carry out this Act shall be made available
to carry out this section.

SEC. 5. AUTHORIZATION OF FUNDS.

(a) In General.--There is authorized to be appropriated to the
Internal Revenue Service $15,000,000 for each of fiscal years 2004
through 2014.
(b) Limitation of Administrative Expenses.--Not more than 3 percent
of the funds appropriated to carry out this Act shall be spent on
administrative costs of the Internal Revenue Service.

A:
Earned Income Credit Public Awareness Campaign Act - Directs the Commissioner of Internal Revenue to: (1) establish and carry out a national public awareness campaign to educate Americans of the availability of the earned income credit; and (2) make grants to State agencies to carry out earned income credit Statewide public awareness campaigns in conjunction with the national campaign.
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