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

Example Input: SECTION 1. SHORT TITLE.

This Act may be cited as the ''Improving Access to Mainstream
Financial Institutions Act of 2008''.

SEC. 2. DEFINITIONS.

In this Act, the following definitions shall apply:
(1) Alaska native corporation.--The term ''Alaska Native
Corporation'' has the same meaning as the term ''Native
Corporation'' under section 3(m) of the Alaska Native Claims
Settlement Act (43 U.S.C. 1602(m)).
(2) Community development financial institution.--The term
''community development financial institution'' has the same
meaning as in section 103(5) of the Community Development
Banking and Financial Institutions Act of 1994 (12 U.S.C.
4702(5)).
(3) Federally insured depository institution.--The term
''federally insured depository institution'' means any insured
depository institution (as that term is defined in section 3 of
the Federal Deposit Insurance Act (12 U.S.C. 1813)) and any
insured credit union (as that term is defined in section 101 of
the Federal Credit Union Act (12 U.S.C. 1752)).
(4) Labor organization.--The term ''labor organization''
means an organization--
(A) in which employees participate;
(B) which exists for the purpose, in whole or in
part, of dealing with employers concerning grievances,
labor disputes, wages, rates of pay, hours of
employment, or conditions of work; and
(C) which is described in section 501(c)(5) of the
Internal Revenue Code of 1986.
(5) Native hawaiian organization.--The term ''Native
Hawaiian organization'' means any organization that--
(A) serves and represents the interests of Native
Hawaiians; and
(B) has as a primary and stated purpose, the
provision of services to Native Hawaiians.
(6) Payday loan.--The term ''payday loan'' means any
transaction in which a small cash advance is made to a consumer
in exchange for--
(A) the personal check or share draft of the
consumer, in the amount of the advance plus a fee,
where presentment or negotiation of such check or share
draft is deferred by agreement of the parties until a
designated future date; or
(B) the authorization of the consumer to debit the
transaction account or share draft account of the
consumer, in the amount of the advance plus a fee,
where such account will be debited on or after a
designated future date.
(7) Secretary.--The term ''Secretary'' means the Secretary
of the Treasury.
(8) Tribal organization.--The term ''tribal organization''
has the same meaning as in section 4 of the Indian Self-
Determination and Education Assistance Act (25 U.S.C. 450b).

SEC. 3. EXPANDED ACCESS TO MAINSTREAM FINANCIAL INSTITUTIONS.

(a) Establishment of Program.--The Secretary is authorized to award
grants, including multi-year grants, to eligible entities to establish
an account in a federally insured depository institution for low- and
moderate-income individuals that currently do not have such an account.
(b) Eligible Entities.--An entity is eligible to receive a grant
under this section, if such an entity is--
(1) an organization described in section 501(c)(3) of the
Internal Revenue Code of 1986, and is exempt from taxation
under section 501(a) of such Code;
(2) a federally insured depository institution;
(3) an agency of a State or local government;
(4) a community development financial institution;
(5) an Indian tribal organization;
(6) an Alaska Native Corporation;
(7) a Native Hawaiian organization;
(8) a labor organization; or
(9) a partnership comprised of 1 or more of the entities
described in the preceding subparagraphs.
(c) Evaluation and Reports to Congress.--For each fiscal year in
which a grant is awarded under this section, the Secretary shall submit
a report to Congress containing a description of the activities funded,
amounts distributed, and measurable results, as appropriate and
available.

SEC. 4. LOW COST ALTERNATIVES TO PAYDAY LOANS.

(a) Establishment of Program.--The Secretary is authorized to award
demonstration project grants (including multi-year grants) to eligible
entities to provide low-cost, small loans to consumers that will
provide alternatives to more costly, predatory payday loans.
(b) Eligible Entities.--An entity is eligible to receive a grant
under this section if such an entity is--
(1) an 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;
(2) a federally insured depository institution;
(3) a community development financial institution; or
(4) a partnership comprised of 1 or more of the entities
described in paragraphs (1) through (3).
(c) Terms and Conditions.--
(1) Percentage rate.--For purposes of this section, an
eligible entity that is a federally insured depository
institution shall be subject to the annual percentage rate
promulgated by the National Credit Union Administration's Loan
Interest Rates under part 701 of title 12, Code of Federal
Regulations (or any successor thereto), in connection with a
loan provided to a consumer pursuant to this section.
(2) Financial literacy and education opportunities.--Each
eligible entity awarded a grant under this section shall offer
financial literacy and education opportunities, such as
relevant counseling services or educational courses, to each
consumer provided with a loan pursuant to this section.
(d) Evaluation and Reports to Congress.--For each fiscal year in
which a grant is awarded under this section, the Secretary shall submit
a report to Congress containing a description of the activities funded,
amounts distributed, and measurable results, as appropriate and
available.

SEC. 5. PROCEDURAL PROVISIONS.

(a) Applications.--A person desiring a grant under section 3 or 4
shall submit an application to the Secretary, in such form and
containing such information as the Secretary may require.
(b) Limitation on Administrative Costs.--A recipient of a grant
under section 3 or 4 may use not more than 6 percent of the total
amount of such grant in any fiscal year for the administrative costs of
carrying out the programs funded by such grant in such fiscal year.

SEC. 6. AUTHORIZATION OF APPROPRIATIONS.

There are authorized to be appropriated to the Secretary, such sums
as are necessary to carry out the grant programs authorized by this
Act, to remain available until expended.

SEC. 7. REGULATIONS.

The Secretary is authorized to promulgate regulations to implement
and administer the grant programs authorized by this Act.
Example Output: Improving Access to Mainstream Financial Institutions Act of 2008 - Authorizes the Secretary of the Treasury to award grants, including multi-year grants, to specified eligible entities to establish an account in a federally insured depository institution for low- and moderate-income individuals who currently do not have such an account. Includes among such eligible entities: (1) Alaska Native Corporations; (2) Native Hawaiian organizations; and (3) labor organizations.

Authorizes the Secretary to award demonstration project grants to eligible entities to provide low-cost, small loans to consumers that will provide alternatives to more costly, predatory payday loans. Requires such entities to be: (1) tax-exempt charitable organizations; (2) federally insured depository institutions; (3) community development financial institutions; or (4) partnerships comprised of one or more of such entities. Requires grant recipients to offer financial literacy and education opportunities to each consumer provided with a loan pursuant to this Act.

Example Input: SECTION 1. SHORT TITLE.

This Act may be cited as the ''Reporting on Influence and
Subversion by the Kremlin Act'' or ''RISK Act''.

SEC. 2. FINDINGS.

Congress finds the following:
(1) In 1986, an interagency working group issued a report
assessing ''active measures'' by the former Soviet Union
against the United States.
(2) The working group concluded that ''there is a massive
and highly organized effort by the Soviet Union and its proxies
to influence world opinion''.
(3) The working group further observed that ''this effort
includes public diplomacy to enhance the Soviet image abroad
and . . . also includes a persistent, widespread program of
disinformation and deception designed to discredit the U.S.
image abroad and disrupt U.S. policy objectives.''.
(4) Active measures by the Russian Federation have shown no
diminution since the last report issued by the working group in
1987, including--
(A) to influence world opinion;
(B) to undercut democratic processes and
institutions in the United States and partner nations;
(C) to challenge the international liberal order;
and
(D) to establish an unfettered sphere of influence.
(5) The Director of National Intelligence concluded in
light of the Russian Federation's hacking of the 2016
presidential election that ''Russian efforts to influence the
2016 U.S. presidential election represent the most recent
expression of Moscow's longstanding desire to undermine the
U.S.-led liberal democratic order.''.
(6) The Russian Federation is deploying an array of
military, cyber, intelligence, and economic tactics to weaken
United States democratic institutions, divide Europe from the
United States, divide Europe from within, undermine
organizations such as the North Atlantic Treaty Organization
and the European Union, and coerce partners to cooperate with
Russia.
(7) Militarily, Russian President Vladimir Putin ordered
the forcible and illegal occupation of Crimea in March 2014 and
the invasion of Georgia in 2008.
(8) The Russian military, in which President Putin has
invested heavily, continues to engage in acts of aggression and
intimidation against United States allies across Europe.
(9) The Russian Federation's subversive activities
undermine trust in democratic systems, giving rise to political
instability.

SEC. 3. ASSESSMENT OF SUBVERSIVE ACTIVITIES BY THE RUSSIAN FEDERATION.

(a) Report.--Not later than 180 days after the date of the
enactment of this Act, the Secretary of State shall submit to Congress
a report setting forth an assessment, obtained by the Secretary for
purposes of the report, of subversive activities by the Russian
Federation.
(b) Independent Assessment.--
(1) In general.--The assessment obtained for purposes of
subsection (a) shall be conducted by a federally funded
research and development center (FFRDC), or another appropriate
independent entity with expertise in diplomatic and military
developments in Europe and the Russian Federation, selected by
the Secretary for purposes of the assessment.
(2) Use of previous studies.--The entity conducting the
assessment may use and incorporate information from previous
studies on matters appropriate to the assessment.
(c) Elements.--The assessment obtained for purposes of subsection
(a) shall include the following:
(1) An assessment of disinformation and propaganda
activities of the Russian Federation, including an assessment
of--
(A) support for disinformation and propaganda
activities with respect to the United States and
foreign countries;
(B) the overall structure of the Russian
Government's disinformation and influence apparatus,
including its intelligence agencies and propaganda
outlets such as Russia Today; and
(C) propaganda techniques, including forgery, use
of media representatives and proxies, use of front
organizations, and efforts to influence international
organizations.
(2) An assessment of support by the Russian Federation for
separatist activities and other aggressive actions aimed at
undermining the sovereignty of foreign countries, particularly
in Ukraine and the Baltic countries.
(3) An assessment of cyber intrusions by the Russian
Federation to influence the infrastructure and democratic
processes in the United States and other countries.
(4) An assessment of--
(A) the use of energy exports by the Russian
Federation for purposes of political or economic
coercion; and
(B) significant investment in energy
infrastructure, including pipelines, by the Government
of Russia or Russian-controlled entities.
(5) An assessment of the deterioration of democratic
conditions in the Russian Federation, including--
(A) suppression of freedom of the press;
(B) detention, beating, and murder of political
activists and opposition leaders;
(C) suppression of minority rights;
(D) suppression of human rights; and
(E) efforts to undermine the Russian
nongovernmental organizations and Russian civil
society.
(d) Form.--The report required under subsection (a) shall be
submitted in unclassified form, but may include a classified annex.

SEC. 4. COUNTERING RUSSIAN INFLUENCE FUND.

(a) Establishment.--The President is authorized to establish in the
Department of the Treasury a fund to be known as the Countering Russian
Influence Fund (in this section referred to as the ''Fund'').
(b) Amounts in Fund.--The Fund shall consist of the following:
(1) Amounts appropriated to carry out section 7070(d) of
division C of the Consolidated Appropriations Act, 2017 (Public
Law 115-31).
(2) Amounts otherwise available to the Secretary of State
to carry out this section.
(c) Purposes of Fund.--Amounts in the Fund for any fiscal year are
authorized to be made available to the Secretary of State for bilateral
assistance for countries in Europe, Eurasia, and Central Asia, to
counter the following activities in such countries carried out by the
Russian Federation:
(1) Support for disinformation and propaganda.
(2) Interference in foreign elections.
(3) Efforts to undermine financial transparency and
governance.
(d) Civil Society and Other Organizations.--Amounts in the Fund for
any fiscal year may be made available to carry out the purposes of the
Fund under subsection (c) through civil society and other organizations
that seek to mitigate the expansion of Russian influence and
aggression, including through public awareness campaigns and exchange
activities.
(e) Authorization of Appropriations.--
(1) In general.--There are authorized to be appropriated to
the President not less than $100,000,000 to carry out this
section.
(2) Relation to certain other amounts.--Such funds are in
addition to any other amounts made available for bilateral
assistance for countries in Europe, Eurasia, and Central Asia.
(3) Rule of construction.--This section shall be considered
to be an authorization of appropriations for purposes of
section 7070(d) of division C of the Consolidated
Appropriations Act, 2017 (Public Law 115-31).
(f) Report.--The Secretary of State shall submit to Congress a
report for each fiscal year for which activities are undertaken
pursuant to this section.
Example Output: Reporting on Influence and Subversion by the Kremlin Act or the RISK Act This bill directs the Department of State to submit to Congress an assessment of subversive activities by the Russian Federation. The assessment shall be conducted by a federally funded research and development center or another appropriate independent entity with expertise in diplomatic and military developments in Europe and the Russian Federation. Such entity may use and incorporate information from previous studies and shall include assessments of: disinformation and propaganda activities of the Russian Federation; support by the Russian Federation for separatist activities and other aggressive actions aimed at undermining the sovereignty of foreign countries, particularly in Ukraine and the Baltic countries; cyber intrusions by the Russian Federation to influence the infrastructure and democratic processes in the United States and other countries; the use of energy exports by the Russian Federation for purposes of political or economic coercion and significant investment in energy infrastructure by the Russian government or Russian-controlled entities; and the deterioration of democratic conditions in the Russian Federation. The President is authorized to establish in the Department of the Treasury the Countering Russian Influence Fund to be used by the State Department for bilateral assistance to counter activities carried out in countries in Europe, Eurasia, and Central Asia by the Russian Federation to support disinformation and propaganda, interfere in foreign elections, and undermine financial transparency and governance. Amounts in the fund may be made available to carry out its purposes through civil society and other organizations that seek to mitigate the expansion of Russian influence and aggression, including through public awareness campaigns and exchange activities.

Example 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.
Example 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.