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

SECTION 1. SHORT TITLE.

This Act may be cited as the ''Handgun Purchaser Licensing Act''.

SEC. 2. FINDINGS.

Congress finds as follows:
(1) In 2013, more than 33,000 Americans were killed by guns
and almost 90 percent of the firearms used in these deaths were
handguns.
(2) Recently published research by top national experts,
notably on Missouri and Connecticut handgun purchaser licensing
laws, have estimated that Missouri's repeal of its handgun
purchaser licensing law led to a 25-percent increase in firearm
homicide rates while Connecticut's adoption of its handgun
purchaser licensing law led to a 40-percent decrease in firearm
homicide rates.
(3) In States which have had effective handgun purchaser
licensing laws for decades, such as Connecticut, Massachusetts,
New Jersey, and New York, the vast majority of guns traced to
crimes originated in other States, which supports the need for
handgun purchaser licensing laws in every State.

SEC. 3. DEFINITIONS.

In this Act--
(1) the terms ''Attorney General'' and ''handgun'' have the
meanings given those terms in section 921(a) of title 18,
United States Code; and
(2) the term ''Indian tribe'' has the meaning given the
term in section 4 of the Indian Self-Determination and
Education Assistance Act (25 U.S.C. 450b).

SEC. 4. GRANT PROGRAM AUTHORIZED FOR HANDGUN LICENSING.

(a) In General.--The Attorney General is authorized to award grants
to States, units of local government, and Indian tribes for the
development, implementation, and evaluation of handgun purchaser
licensing requirements.
(b) Program Authorized.--From the amounts appropriated to carry out
this Act and not later than 90 days after such amounts are
appropriated, the Attorney General shall award grants, on a competitive
basis, to eligible applicants whose applications are approved under
subsection (c) to assist such applicants in implementing and improving
handgun purchaser licensing programs.
(c) Application.--To be eligible to receive a grant under this Act,
a State, unit of local government, or Indian tribe shall submit to the
Attorney General an application at such time, in such manner, and
containing such information as the Attorney General may require,
including--
(1) a description of the law that the applicant has enacted
to require a license for any purchase of a handgun including a
description of any exemptions to such law; and
(2) a description of how the applicant will use the grant
to carry out or improve its handgun purchaser licensing
program.
(d) Eligibility Requirements.--To be eligible for a grant under
this Act, an applicant shall have in effect handgun purchaser licensing
laws that--
(1) require--
(A) an individual applying for a handgun license or
permit to be at least 21 years old and be a national or
lawful permanent resident of the United States;
(B) an individual described in subparagraph (A) to
apply for the handgun purchaser license or permit at a
law enforcement agency in the State in which the
individual resides;
(C) an individual who is issued a handgun license
or permit to reapply for the handgun purchaser license
or permit after a period not longer than 5 years;
(D) an individual described in subparagraph (A) to
submit to a background investigation, and a criminal
history check, in connection with the application, as
established by the State;
(E) an individual described in subparagraph (A) to
submit fingerprints and photographs in connection with
the application for the license or permit; and
(F) an individual described in subparagraph (A) to
provide--
(i) proof that the individual is legally
present and lawfully resides in the United
States, including a birth certificate, or valid
passport; and
(ii)(I) in the case of a lawful permanent
resident, the alien registration number and 90-
day proof of residency; or
(II) in the case of a naturalized citizen,
proof of citizenship; and
(2) prohibit an individual who is prohibited from
possessing a firearm under section 922(g) of title 18, United
States Code, from receiving a license or permit.
(e) Use of Funds.--A grantee under this Act shall use such grant to
improve handgun purchaser licensing programs of that grantee.

SEC. 5. AUTHORIZATION OF APPROPRIATIONS.

There are authorized to be appropriated to the Attorney General
such sums as may be necessary to carry out this Act.
Handgun Purchaser Licensing Act Authorizes the Attorney General to award grants to states, units of local government, and Indian tribes for the development, implementation, and evaluation of handgun purchaser licensing requirements. Directs the Attorney General to award grants, on a competitive basis, to eligible applicants whose applications are approved to assist them in implementing and improving handgun purchaser licensing programs. Directs a state, local government, or tribe, to be eligible to receive a grant, to submit to the Attorney General an application that meets specified requirements, including a description of: (1) the law that the applicant has enacted to require a license for any purchase of a handgun, including exemptions to such law; and (2) how the applicant will use the grant to carry out or improve its program. Requires an applicant, to be eligible for a grant, to have in effect handgun purchaser licensing laws that: require an applicant for a handgun license or permit to be at least 21 years old and to be a national or lawful permanent resident of the United States; require such an individual to apply for the license or permit at a law enforcement agency in the state in which he or she resides, to reapply for an issued license after a period not longer than five years, and to submit to a background investigation and a criminal history check; require such an individual to submit fingerprints and photographs in connection with the application and to provide proof that the individual is legally present and lawfully resides in the United States; and bar any individual who is prohibited from possessing a firearm under the federal criminal code from receiving a license or permit. Requires a grantee to use such grant to improve its handgun purchaser licensing programs.

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.
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.

SECTION 1. SHORT TITLE.

This Act may be cited as the ''Medicare Information Act of 2011''.

SEC. 2. ANNUAL MEDICARE BENEFICIARY PART A CONTRIBUTIONS AND BENEFITS
STATEMENTS.

(a) In General.--Part A of title XI of the Social Security Act is
amended by inserting after section 1143 (42 U.S.C. 1320b-13) the
following new section:

''annual medicare beneficiary part a contributions and benefits
statements

''Sec. 1143A. (a) Provision.--
''(1) In general.--Beginning not later than 2 years after
the date of the enactment of this section, the Secretary, in
coordination with the Commissioner of Social Security, shall
provide a statement described in subsection (b) (in this
section referred to as an 'annual Medicare part A information
statement') on an annual basis to each eligible individual (as
defined in subsection (d)) for whom a current mailing address
can be determined through such methods as the Secretary
determines to be appropriate.
''(2) Coordination in single mailing with social security
account statements.--In order to avoid sending separate
statements under this section and section 1143 in the case of
an individual for whom a social security account statement is
provided under section 1143 and a separate annual Medicare part
A information statement would otherwise be provided under this
section, the Secretary shall coordinate with the Commissioner
of Social Security, whether through transmittal of data or
otherwise, in a manner so that the annual Medicare part A
information statement is included and sent with such social
security account statement.
''(3) Methodology.--
''(A) In general.--The Secretary, in consultation
with the Commissioner of Social Security and the
Secretary of the Treasury, shall specify the
methodology to be used in estimating lifetime
contributions and lifetime benefits with respect to
annual Medicare part A information statements. Such
methodology for computing the lifespan of an individual
shall be the same methodology used for purposes of the
social security account statement under section 1143.
''(B) Inclusion of description in statement.--The
Secretary shall include a brief description of the key
assumptions used in such methodology in the annual
Medicare part A information statements.
''(4) Summary of medicare part a program.--Each annual
Medicare part A information statement shall include a summary
of part A of the Medicare program. Such summary shall also
include a summary description of benefits and enrollment
options under parts B, C, and D of title XVIII, but shall
indicate that the information described in subsection (b) does
not include information related to contributions and benefits
under those parts.
''(b) Medicare Part A Information Statement Described.--In addition
to the information described in paragraphs (3)(B) and (4) of subsection
(a), each annual Medicare part A information statement for an eligible
individual shall contain the following:
''(1) HI employee contributions.--The total contributions
described in section 1143(a)(2)(C) for the individual--
''(A) for the most recent year for which data are
available;
''(B) to the extent feasible, for previous periods
through the end of such year; and
''(C) as projected for the individual during the
individual's lifetime.
To the extent feasible, of such total contributions the portion
that is attributable to employer, employee, and self-employment
contributions.
''(2) Medicare part a benefits.--In the case of an eligible
individual--
''(A) who, for such most recent year, was entitled
to benefits under part A of title XVIII, the total
value of such benefits provided to the individual under
such part as of the end of such year and, to the extent
feasible, the total value of such benefits for such
individual for previous periods through the end of such
year; and
''(B) an estimate of the actuarial value of the
expected benefits under such part for the individual
during the individual's lifetime, including (but stated
separately) any benefits described in subparagraph (A).
''(3) Comparison.--An appropriate comparison of such
contributions with such benefits.
''(c) Records Retention.--The Secretary shall provide for the
indefinite retention of information that--
''(1) is described in subsection (b), including benefits
described in subsection (b)(2); and
''(2) the Secretary has not discarded as of the date of the
enactment of this section.
''(d) Eligible Individual Defined.--In this section, the term
'eligible individual' means an individual--
''(1) who has a social security account number;
''(2) who has attained age 25 or over; and
''(3) who is entitled to benefits under part A of title
XVIII or who, as of the end of the most recent year referred to
in subsection (b)(1)(A), has had any contributions described in
subsection (b)(1) made with respect to the individual during
such year or a previous year.''.
(b) Inclusion of Social Security Account Statement for Those
Receiving Annual Medicare Part A Information Statement.--Section
1143(a)(3) of such Act (42 U.S.C. 1320b-13(a)(3)) is amended by adding
at the end the following:
''Such term includes an individual not described in the previous
sentence who is an eligible individual (as defined in subsection (d) of
section 1143A) for whom an annual Medicare part A information statement
is provided under such section.''.
Medicare Information Act of 2011 - Amends part A of title XI of the Social Security Act to direct the Secretary of Health and Human Services (HHS) to provide to each eligible individual annually a statement of Medicare part A (Hospital Insurance) contributions and benefits in coordination with the annual mailing of Social Security account statements.