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

Input: Consider Input: 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.

Output: 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.

Input: Consider Input: SECTION 1. SHORT TITLE.

This Act may be cited as the ''Fairness to Local Contractors Act''.

SEC. 2. ENHANCEMENT OF STATE ENFORCEMENT OF STATE TAX, EMPLOYMENT, AND
LICENSING LAWS AGAINST CONSTRUCTION CONTRACTORS.

(a) Requirement for State Tax Clearance From Potential Construction
Contractors.--
(1) Defense contracts.--Section 2305(b) of title 10, United
States Code, is amended by adding at the end the following new
paragraph:
''(10) In order to be considered a responsible bidder or offeror
for a contract for the construction of a public building, facility, or
work, a bidder or offeror shall submit with the bid or offer a tax
clearance from the State in which the contract is to be performed. For
purposes of this paragraph, a tax clearance is a document from an
appropriate State agency indicating that the bidder or offeror is in
compliance with all the tax laws of the State in which the contract is
to be performed.''.
(2) Civilian agency contracts.--Section 303B of title III
of the Federal Property and Administrative Services Act of 1949
(41 U.S.C. 253b) is amended by adding at the end the following
new subsection:
''(n) Tax Clearance.--In order to be considered a responsible
bidder or offeror for a contract for the construction of a public
building, facility, or work, a bidder or offeror shall submit with the
bid or offer a tax clearance from the State in which the contract is to
be performed. For purposes of this paragraph, a tax clearance is a
document from an appropriate State agency indicating that the bidder or
offeror is in compliance with all the tax laws of the State in which
the contract is to be performed.''.
(b) Requirement To Withhold Final Contract Payment Until Receipt of
State Tax Clearance and Certification of Compliance With Employment
Laws From Contractor.--
(1) Defense contracts.--Section 2307 of title 10, United
States Code, is amended by adding at the end the following new
subsection:
''(j) Requirement To Withhold Final Payment.--(1) The head of an
agency shall withhold final payment under a contract for the
construction of a public building, facility, or work until the
contractor submits to the agency both of the following:
''(A) A tax clearance from the State in which the contract
is or was performed.
''(B) A certification stating that the contractor is in
compliance (or was in compliance during the performance of the
contract) with all applicable State laws that require employers
to make payments to or for the benefit of employees, including
laws relating to unemployment insurance, workers compensation,
health insurance, and disability insurance.
''(2) For purposes of this subsection, a tax clearance is a
document from an appropriate State agency indicating that the
contractor is or was in compliance with all the tax laws of the State
in which the contract is or was performed.''.
(2) Civilian agency contracts.--Section 305 of title III of
the Federal Property and Administrative Services Act of 1949
(41 U.S.C. 255) is amended by adding at the end the following
new subsection:
''(h) Requirement To Withhold Final Payment.--(1) The head of an
executive agency shall withhold final payment under a contract for the
construction of a public building, facility, or work until the
contractor submits to the agency both of the following:
''(A) A tax clearance from the State in which the contract
is or was performed.
''(B) A certification stating that the contractor is in
compliance (or was in compliance during the performance of the
contract) with all applicable State laws that require employers
to make payments to or for the benefit of employees, including
laws relating to unemployment insurance, workers compensation,
health insurance, and disability insurance.
''(2) For purposes of this subsection, a tax clearance is a
document from an appropriate State agency indicating that the
contractor is or was in compliance with all the tax laws of the State
in which the contract is or was performed.''.
(c) Authority To Withhold Payment to Contractor of Amounts
Necessary To Meet State Tax Obligations.--
(1) Defense contracts.--Section 2307 of title 10, United
States Code, is further amended by adding at the end the
following new subsection:
''(k) Authority To Withhold Payment To Meet State Tax
Obligations.--The head of an agency may withhold, from any payment due
to a contractor under a contract made by the agency for the
construction of a public building, facility, or work, an amount
considered necessary by the head of the agency to pay to the State in
which the contract is being performed the amount of the contractor's
State tax liability that is attributable to the contract. The head of
the agency that so withholds a payment may, upon request of the State
in which the contract is being performed and with such documentation as
the head of the agency considers necessary, pay such tax liability
amount directly to the State from the withheld payment. Any amount of a
withheld payment that exceeds the actual State tax liability amount
shall be paid to the contractor.''.
(2) Civilian agency contracts.--Section 305 of title III of
the Federal Property and Administrative Services Act of 1949
(41 U.S.C. 255) is further amended by adding at the end the
following new subsection:
''(i) Authority To Withhold Payment To Meet State Tax
Obligations.--The head of an executive agency may withhold, from any
payment due to a contractor under a contract made by the agency for the
construction of a public building, facility, or work, an amount
considered necessary by the head of the agency to pay to the State in
which the contract is being performed the amount of the contractor's
State tax liability that is attributable to the contract. The head of
the executive agency that so withholds a payment may, upon request of
the State in which the contract is being performed and with such
documentation as the head of the agency considers necessary, pay such
tax liability amount directly to the State from the withheld payment.
Any amount of a withheld payment that exceeds the actual State tax
liability amount shall be paid to the contractor.''.
(d) Requirement for Construction Contractors To Obtain Applicable
State Licenses.--
(1) Defense contracts.--(A) Chapter 141 of title 10, United
States Code, is amended by adding at the end the following new
section:
''Sec. 2410n. Construction contracts: requirement to obtain applicable
State licenses
''The Secretary of Defense shall require, in any contract entered
into by the Secretary for the construction of a public building,
facility, or work which is to be performed in a State that requires
persons performing the type of work to be performed under the contract
to be licensed, that the contractor be so licensed.''.
(B) The table of sections at the beginning of such chapter is
amended by adding at the end the following new item:

''2410n. Construction contracts: requirement to obtain applicable State
licenses.''.
(2) Civilian agency contracts.--Title III of the Federal
Property and Administrative Services Act of 1949 (41 U.S.C. 251
et seq.) is amended by adding at the end the following new
section:

''SEC. 318. CONSTRUCTION CONTRACTS: REQUIREMENT TO OBTAIN APPLICABLE
STATE LICENSES.

''The head of an executive agency shall require, in any contract
entered into by the agency for the construction of a public building,
facility, or work which is to be performed in a State that requires
persons performing the type of work to be performed under the contract
to be licensed, that the contractor be so licensed.''.
(e) Requirement To Explain Hawaii Excise Tax in Federal Acquisition
Regulation.--The Federal Acquisition Regulation shall be revised to
contain provisions explaining the general excise tax law of the State
of Hawaii.
(f) Effective Date.--The amendments made by this Act shall apply
with respect to contracts entered into after the date of the enactment
of this Act.

Output: Fairness to Local Contractors Act - Amends the Federal Property and Administrative Services Act of 1949 and defense contract law to require a bidder or offeror, to be considered a responsible bidder or offeror for the construction of a public building, facility, or work, to submit a tax clearance (a document stating that such entity is in compliance with all State tax laws) from the State in which the contract is to be performed. Requires the head of a Federal or defense agency to withhold the final payment under such a contract until the contractor submits both a tax clearance and a certification of compliance with all State laws concerning payments to employees under a contract, including unemployment insurance, workers compensation, health insurance, and disability insurance.

Authorizes the head of a Federal or defense agency to: (1) withhold from any contractor payments amounts necessary to pay any State tax liability attributable to the contract; and (2) pay such amount directly to such State.

Directs the Secretary of Defense or agency head to require a contractor to be licensed if the State in which a construction contract is to be performed requires a license.

Requires revision of the Federal Acquisition Regulation to explain the general excise tax law of Hawaii.

Input: Consider Input: SECTION 1. SHORT TITLE.

This Act may be cited as the ''Compassionate Access, Research
Expansion, and Respect States Act of 2017'' or the ''CARERS Act of
2017''.

SEC. 2. FEDERALISM IN DRUG POLICY.

Section 708 of the Controlled Substances Act (21 U.S.C. 903) is
amended--
(1) by striking ''No provision'' and inserting the
following:
''(a) In General.--Except as provided in subsection (b), no
provision''; and
(2) by adding at the end the following:
''(b) Compliance With State Law.--Notwithstanding any other
provision of law, the provisions of this title relating to marihuana
shall not apply to any person acting in compliance with State law, as
determined by the State, relating to the production, possession,
distribution, dispensation, administration, laboratory testing,
recommending use, or delivery of medical marihuana.''.

SEC. 3. EXCLUSION OF CANNABIDIOL FROM DEFINITION OF MARIHUANA.

Section 102 of the Controlled Substances Act (21 U.S.C. 802) is
amended--
(1) in paragraph (16)--
(A) by striking ''or cake, or the sterilized'' and
inserting ''cake, the sterilized''; and
(B) by adding '', or cannabidiol'' before the
period at the end; and
(2) by adding at the end the following:
''(57) The term 'cannabidiol' means the substance
cannabidiol, as derived from marihuana or the synthetic
formulation, that contains not greater than 0.3 percent delta-
9-tetrahydrocannabinol on a dry weight basis.''.

SEC. 4. CANNABIDIOL DETERMINATION BY STATES.

Section 201 of the Controlled Substances Act (21 U.S.C. 811) is
amended by adding at the end the following:
''(k) Cannabidiol Determination.--If a person grows or processes
marihuana for purposes of making cannabidiol in accordance with State
law, the marihuana shall be deemed to meet the concentration limitation
under section 102(57), unless the Attorney General determines that the
State law is not reasonably calculated to comply with section
102(57).''.

SEC. 5. RESEARCH.

(a) In General.--Not later than 180 days after the date of
enactment of this Act, the Secretary of Health and Human Services shall
terminate the Public Health Service interdisciplinary review process
described in the guidance entitled ''Guidance on Procedures for the
Provision of Marijuana for Medical Research'' (issued on May 21, 1999).
(b) Licenses for Marijuana Research.--Not later than 1 year after
the date of enactment of this Act, the Attorney General, acting through
the Drug Enforcement Administration, shall issue not less than 3
licenses under section 303 of the Controlled Substances Act (21 U.S.C.
823) to manufacture and distribute marijuana and marijuana-derivatives
for research approved by the Food and Drug Administration.
(c) Marijuana Research.--
(1) In general.--Section 303(f) of the Controlled
Substances Act (21 U.S.C. 823(f)) is amended--
(A) by redesignating paragraphs (1) through (5) as
subparagraphs (A) through (E), respectively;
(B) by striking ''(f) The Attorney General'' and
inserting ''(f)(1) The Attorney General'';
(C) by striking ''Registration applications'' and
inserting the following:
''(2) Registration applications'';
(D) in paragraph (2), as so designated, by striking
''schedule I'' each place that term appears and
inserting ''schedule I, except marijuana,'';
(E) by striking ''Article 7'' and inserting the
following:
''(4) Article 7''; and
(F) by inserting before paragraph (4), as so
designated, the following:
''(3)(A) Not later than 180 days after the date of enactment of
this paragraph, the Secretary shall promulgate regulations that require
the Secretary to register a practitioner to conduct research on
marihuana if--
''(i) the applicant is authorized to dispense, or conduct
research with respect to, controlled substances in schedules
II, III, IV, and V under the laws of the State in which the
applicant practices; and
''(ii) the applicant's research protocol--
''(I) has been reviewed and allowed by--
''(aa) the Secretary under section 505(i)
of the Federal Food, Drug, and Cosmetic Act (21
U.S.C. 355(i)); or
''(bb) the National Institutes of Health or
another Federal agency that funds scientific
research; or
''(II) in the case of nonhuman research that is not
federally funded, has been voluntarily submitted by the
applicant to, and approved by, the National Institutes
of Health.
''(B) The Secretary shall grant an application for registration
under this paragraph unless the Secretary determines that the issuance
of the registration would be inconsistent with the public interest. In
determining the public interest, the Secretary shall consider the
following factors:
''(i) The applicant's experience in dispensing, or
conducting research with respect to, controlled substances.
''(ii) Compliance with applicable Federal or State laws
relating to controlled substances.
''(iii) Conduct by the applicant that may threaten the
public health and safety.''.
(2) Conforming amendment.--Section 102(16) of the
Controlled Substances Act (21 U.S.C. 802(16)) is amended by
inserting ''or 'marijuana''' after ''The term 'marihuana'''.

SEC. 6. PROVISION BY DEPARTMENT OF VETERANS AFFAIRS HEALTH CARE
PROVIDERS OF RECOMMENDATIONS AND OPINIONS REGARDING
VETERAN PARTICIPATION IN STATE MARIJUANA PROGRAMS.

Notwithstanding any other provision of law, the Secretary of
Veterans Affairs shall authorize physicians and other health care
providers employed by the Department of Veterans Affairs to--
(1) provide recommendations and opinions to veterans who
are residents of States with State marijuana programs regarding
the participation of veterans in such State marijuana programs;
and
(2) complete forms reflecting such recommendations and
opinions.
Output: Compassionate Access, Research Expansion, and Respect States Act of 2017 or the CARERS Act of 2017 This bill amends the Controlled Substances Act to provide that the Act's regulatory controls and administrative, civil, and criminal penalties do not apply to a person who produces, possesses, distributes, dispenses, administers, tests, recommends, or delivers medical marijuana in compliance with state law. The bill also: excludes "cannabidiol" (CBD) from the definition of "marijuana"; limits the concentration of delta-9-tetrahydrocannabinol (THC) in CBD to 0.3 percent on a dry weight basis; and deems marijuana grown or processed to make CBD, in accordance with state law, to comply with the THC concentration limit unless the Drug Enforcement Administration (DEA) determines state law to be unreasonable. The bill directs the Department of Health and Human Services (HHS) to terminate the Public Health Service's interdisciplinary review process that is used to evaluate applications for medical marijuana research. The DEA must license manufacturers and distributors of marijuana for medical research; HHS must register practitioners to conduct research; and the Department of Veterans Affairs (VA) must authorize VA health care providers to provide recommendations and opinions to veterans regarding participation in their states' marijuana programs.