Detailed Instructions: In this task, you are given text for US Congressional and California state bills, your task is to generate a summary for this bill.
See one example below:
Problem: SECTION 1. LIABILITY OF BUSINESS ENTITIES PROVIDING USE OF FACILITIES
TO NONPROFIT ORGANIZATIONS.

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

Problem: SECTION 1. SHORT TITLE.

This Act may be cited as the ''Produce the Note Act of 2009''.

SEC. 2. REQUIRED INFORMATION AND NOTICE.

Notwithstanding any other provision of State or Federal law, no
foreclosure, whether judicial or nonjudicial, may be commenced with
respect to a covered residential mortgage unless the person commencing
the foreclosure complies with all of the following requirements:
(1) Submission of information.--The person commencing the
foreclosure shall submit to the court, in the case of a
judicial foreclosure, or to the office of the State or other
subdivision of the State to which notice of default,
foreclosure, or sale of the foreclosed property is required
under State law to be submitted, in the case of a nonjudicial
foreclosure, a report prepared by an independent party that
includes the following information:
(A) A statement of findings as to whether the
covered residential mortgage was made and serviced in
compliance with the terms of, and regulations under,
the following laws:
(i) The Truth in Lending Act (15 U.S.C.
1601) and Regulation Z of the Board of
Governors of the Federal Reserve System under
such Act.
(ii) The Equal Credit Opportunity Act (15
U.S.C. 1691 et seq.) and Regulation B of the
Board of Governors of the Federal Reserve
System under such Act.
(iii) The Fair Debt Collection Practices
Act (15 U.S.C. 1692 et seq.).
(iv) The Federal Fair Credit Reporting Act
(15 U.S.C. 1681 et seq.).
(v) The Real Estate Settlement Procedures
Act of 1974 (12 U.S.C. 2601 et seq.) and
Regulation X of the Secretary of Housing and
Urban Development under such Act.
(vi) The Flood Disaster Protection Act of
1973 (42 U.S.C. 2002 et seq.).
(vii) The Fair Housing Act (42 U.S.C. 3601
et seq.).
(viii) The Home Mortgage Disclosure Act of
1975 (12 U.S.C. 2801 et seq.).
(ix) The Financial Institutions Reform,
Recovery, and Enforcement Act of 1989 (Public
Law 101-73).
(x) Any applicable provisions of State and
local law relating to real estate lending or
consumer protection.
(B) Certification of any mortgage modification
efforts that were employed and any offers made to the
mortgagor by the person commencing the foreclosure.
(C) If any noncompliance is found pursuant to
subparagraph (A), a statement as to whether the
violations are such that the mortgagor should be
afforded an extended right, beyond the period permitted
under State law--
(i) to rescind the mortgage in defense of
the foreclosure; or
(ii) to redeem the mortgage.
(D) Identification of--
(i) the actual holder of the mortgage note,
the originating lender for the mortgage and all
subsequent assignees, and other all parties who
have an interest in the real estate that is
subject to the mortgage or in the mortgage or
the proceeds of the mortgage; and
(ii) any parties identified pursuant to
clause (i) that received any assistance
pursuant to title I of the Emergency Economic
Stabilization Act of 2008 (12 U.S.C. 5211 et
seq.) and the amount of any such assistance
received.
(E) A statement of whether a bona fide default on
the covered mortgage has occurred.
(F) A description of any hardship circumstances
regarding the economic circumstances of the mortgagor
that would be relevant to a determination by the
mortgagee of whether to modify the mortgage.
(G) A statement of whether the mortgage is insured
under title II of the National Housing Act (12 U.S.C.
1707 et seq.).
(H) A statement of whether the mortgage is, or any
terms of the mortgage are, unfair or constitute an
unfair or deceptive act or practice violating the
Federal Trade Commission Act (15 U.S.C. 41 et seq.),
and if so, a description of the unfairness or the
unfair or deceptive act or practice.
(I) A statement of whether any material
misrepresentations were made that fraudulently induced
the mortgagor to enter into the transaction to his or
her detriment, and if so, a description of such
misrepresentation.
(J) Identification of any offsets to the creditor
claim on the mortgage.
(K) A statement of the racial characteristics,
gender, census tract, and income level of the
mortgagor, as such terms are used for purposes of
compliance with the Home Mortgage Disclosure Act of
1975 (12 U.S.C. 2801 et seq.).
(2) Required notification.--The person commencing the
foreclosure shall provide notice to the mortgagor, in writing,
not less than 5 days before any action is taken to commence the
proceeding or action for foreclosure, and shall certify to the
court, in the case of a judicial foreclosure, or to the office
of the State or other subdivision of the State to which notice
of default, foreclosure, or sale of the foreclosed property is
required under State law to be submitted in the case of a
nonjudicial foreclosure, that such notice has been provided,
that includes the following information:
(A) A statement of any rights of the mortgagor
under the applicable laws governing the foreclosure and
consumer rights.
(B) A statement of any deadlines for filing
answers, defenses, or objections to the foreclosure,
including those rights of the mortgagor under the Real
Estate Settlement Procedures Act of 1974 and any
applicable State laws.
(C) A statement of any penalties and other
consequences for the mortgagor if the mortgagor does
not respond or file answers to the foreclosure.
(D) A statement of the amounts claimed to be in
arrears under the mortgage and needed to reinstate the
account and all associated costs and fees, set forth in
itemized and distinct categories, and current and
correct contact information, including telephone
numbers, electronic mail addresses, and postal
addresses, at which the mortgagor can obtain further
information regarding the mortgage account.
(E) A description of any additional options, such
as mortgage workout, modification, mitigation, and
redemption, that might be available to the mortgagor to
prevent the foreclosure from proceeding and a
description of how the mortgagor can obtain additional
information regarding such options.
(F) A statement of the correct names, telephone
numbers, electronic mail addresses, postal addresses,
and any State licensing numbers of the mortgage holder,
the mortgage servicer, and the person or persons
authorized to take the actions described pursuant to
subparagraph (E).

SEC. 3. DEFINITIONS.

For purposes of this Act, the following definitions shall apply:
(1) Independent party.--The term ''independent party''
means, with respect to foreclosure on a covered residential
mortgage, an individual who has no interest in, or affiliation
with, any party involved in such foreclosure or with the
covered residential mortgage involved in such foreclosure,
including any party that owns, manages, controls, or directs
such an involved party, any party that is owned, managed,
controlled, or directed by such an involved party, or any party
that is under common ownership, management, control, or
direction with such an involved party.
(2) Covered residential mortgage.--The term ''covered
residential mortgage'' means a mortgage that meets the
following requirements:
(A) The property securing the obligation under the
mortgage shall be a one- to four-family dwelling,
including a condominium or a share in a cooperative
ownership housing association.
(B) The mortgagor under the mortgage shall occupy
the property securing the obligation under the mortgage
as his or her principal residence.
(3) Mortgage.--
(A) In general.--The term ''mortgage'' means a deed
of trust, mortgage, deed to secure debt, security
agreement, or any other form of instrument under which
any property (real, personal, or mixed), or any
interest in property (including leaseholds, life
estates, reversionary interests, and any other estates
under applicable State law), is conveyed in trust,
mortgaged, encumbered, pledged, or otherwise rendered
subject to a lien for the purpose of securing the
payment of money or the performance of an obligation.
(B) Condominiums and cooperatives.--Such term
includes a first mortgage given to secure--
(i) the unpaid purchase price of a fee
interest in, or a long-term leasehold interest
in, a one-family unit in a multifamily project,
including a project in which the dwelling units
are attached or are manufactured housing units,
semi-detached, or detached, and an undivided
interest in the common areas and facilities
that serve the project; or
(ii) repayment of a loan made to finance
the purchase of stock or membership in a
cooperative housing corporation the permanent
occupancy of dwelling units of which is
restricted to members of such corporation,
where the purchase of such stock or membership
entitles the purchaser to the permanent
occupancy of one of such units.

SEC. 4. RELATION TO STATE LAW.

This Act does not annul, alter, or affect, or exempt any person
subject to the provisions of this Act from complying with, the laws of
any State or subdivision thereof with respect to foreclosure on a
residential mortgage, except to the extent that those laws are
inconsistent with any provision of this Act, and then only to the
extent of the inconsistency. No provision of the laws of any State or
subdivision thereof may be determined to be inconsistent with any
provision of this Act if such law is determined to require greater
disclosure or notice than is required under this Act or to provide
greater protection to the mortgagee than is required under this Act.
Solution:
Produce the Note Act of 2009 - Prohibits commencement of any foreclosure in connection with certain residential mortgages unless the person commencing the foreclosure complies with specified prerequisites, including identification of the actual holder of the mortgage note, the originating mortgage lender and all subsequent assignees, and other all parties who have an interest in the real estate subject to the mortgage or in the mortgage or its proceeds.

Requires the person commencing the foreclosure to: (1) notify the mortgagor, in writing, not less than five days before any action is taken to commence foreclosure; and (2) certify to the court, in the case of a judicial foreclosure, or to the office of the state to which notice is required under state law, that such notice has been provided.