Part 1. Definition
In this task, you are given text for US Congressional and California state bills, your task is to generate a summary for this bill.
Part 2. Example
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.
Answer: 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.
Part 3. Exercise
SECTION 1. SHORT TITLE.

This Act may be cited as the ''Consumer Banking Services Costs
Assessment Act of 2001''.

SEC. 2. CONSUMER BANKING COSTS ASSESSMENT.

(a) In General.--Section 1002 of the Financial Institutions Reform,
Recovery, and Enforcement Act of 1989 (12 U.S.C. 1811 note) is amended
to read as follows:

''SEC. 1002. SURVEY OF BANK FEES AND SERVICES.

''(a) Annual Survey Required.--The Board of Governors of the
Federal Reserve System shall obtain annually a sample, which is
representative by type and size of the institution and geographic
location, of the following retail banking services and products
provided by insured depository institutions and insured credit unions
(along with related fees and minimum balances):
''(1) Checking and other transaction accounts.
''(2) Negotiable order of withdrawal and savings accounts.
''(3) Automated teller machine transactions.
''(4) Other electronic transactions.
''(5) Credit Cards.
''(b) Minimum Survey Requirement.--The annual survey described in
subsection (a) shall meet the following minimum requirements:
''(1) Checking and other transaction accounts.--Data on
checking and transaction accounts shall include, at a minimum,
the following:
''(A) Monthly and annual fees and minimum balances
to avoid such fees.
''(B) Minimum opening balances.
''(C) Check processing fees.
''(D) Check printing fees.
''(E) Balance inquiry fees.
''(F) Fees imposed for using a teller or other
institution employee.
''(G) Stop payment order fees.
''(H) Nonsufficient fund fees.
''(I) Overdraft fees.
''(J) Deposit items returned fees.
''(K) Availability of no-cost or low-cost accounts
for consumers who maintain low balances.
''(2) Negotiable order of withdrawal accounts and savings
accounts.--Data on negotiable order of withdrawal accounts and
savings accounts shall include, at a minimum, the following:
''(A) Monthly and annual fees and minimum balances
to avoid such fees.
''(B) Minimum opening balances.
''(C) Rate at which interest is paid to consumers.
''(D) Check processing fees for negotiable order of
withdrawal accounts.
''(E) Check printing fees for negotiable order of
withdrawal accounts.
''(F) Balance inquiry fees.
''(G) Fees imposed for using a teller or other
institution employee.
''(H) Stop payment order fees for negotiable order
of withdrawal accounts.
''(I) Nonsufficient fund fees for negotiable order
of withdrawal accounts.
''(J) Overdraft fees for negotiable order of
withdrawal accounts.
''(K) Deposit items returned fees.
''(L) Availability of no-cost or low-cost accounts
for consumers who maintain low balances.
''(3) Automated teller transactions.--Data on automated
teller machine transactions shall include, at a minimum, the
following:
''(A) Annual and monthly fees.
''(B) Card fees.
''(C) Fees charged to customers for withdrawals,
deposits, transfers between accounts, balance inquiries
through institution-owned machines.
''(D) Fees charged to customers for withdrawals,
deposits, transfers between accounts, balance inquiries
through machines owned by others.
''(E) Fees charged to noncustomers for withdrawals,
deposits, transfers between accounts, balance inquiries
through institution-owned machines.
''(F) Point-of-sale transaction fees.
''(G) Surcharges.
''(4) Other electronic transactions.--Data on other
electronic transactions shall include, at a minimum, the
following:
''(A) Wire transfer fees.
''(B) Fees related to payments made over the
Internet or through other electronic means.
''(5) Credit card charges and fees.--Data related to credit
cards shall include, at a minimum, the following:
''(A) Application fees.
''(B) Annual and monthly fees.
''(C) Rates of interest charged for purchases and
cash advances, when an account is not in default.
''(D) Rates of interest charged for purchases and
cash advances, when an account is in default.
''(E) Average annual finance charges paid by
customers.
''(F) Late payment fees.
''(G) Cash advance and convenience check fees.
''(H) Balance transfer fees.
''(I) Over-the-credit-limit fees.
''(J) Foreign currency conversion fees.
''(6) Other fees and charges.--Data on any other fees and
charges that the Board of Governors of the Federal Reserve
System determines to be appropriate to meet the purposes of
this section.
''(c) Annual Report to Congress Required.--
''(1) Preparation.--The Board of Governors of the Federal
Reserve System shall prepare a report of the results of each
survey conducted pursuant to subsections (a) and (b).
''(2) Contents of the report.--In addition to the data
required to be collected pursuant to subsections (a) and (b),
each report prepared pursuant to paragraph (1) shall include a
description of any discernible trend, in the Nation as a whole,
in each of the 50 States, and in each metropolitan statistical
area (as defined by the Director of the Office of Management
and Budget), in the cost and availability of the retail banking
services, including those described in subsections (a) and (b)
(including related fees and minimum balances), that delineates
differences between institutions on the basis of the type of
institution, the size of the institution and any engagement of
the institution in multistate activity.
''(3) Submission to congress.--The Board of Governors of
the Federal Reserve System shall submit an annual report to the
Congress not later than June 1, 2002, and not later than June 1
of each subsequent year.
''(d) Definitions.--For purposes of this section, the term 'insured
depository institution' has the meaning given such term in section 3 of
the Federal Deposit Insurance Act, and the term 'insured credit union'
has the meaning given such term in section 101 of the Federal Credit
Union Act.''.
(b) Repeal of Sunset Provision.--Section 108 of the Riegle-Neal
Interstate Banking and Branching Efficiency Act of 1994 is hereby
repealed.
(c) Nonapplicability of Other Provision of Law.--Section 3003(a)(1)
of the Federal Reports Elimination and Sunset Act of 1995 (31 U.S.C.
1113 note) shall not apply to any report required to be submitted under
section 1002(b) of Financial Institutions Reform, Recovery, and
Enforcement Act of 1989.
Answer:
Consumer Banking Services Costs Assessment Act of 2001- Amends the Financial Institutions Reform, Recovery, and Enforcement Act of 1989 to require the Board of Governors of the Federal Reserve System to obtain and report to Congress annually on a representative sample of enumerated retail banking services and products offered by insured depository institutions and credit unions, including related fees and minimum balances, as well as electronic transactions.