In this task, you are given text for US Congressional and California state bills, your task is to generate a summary for this bill.
One example is below.
Q: 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.
A: 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.
Rationale: 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.
Q: SECTION 1. SHORT TITLE.

This Act may be cited as the ''Control Your Personal Credit
Information Act of 2018''.

SEC. 2. PERMISSIBLE PURPOSES OF REPORTS.

(a) In General.--The Fair Credit Reporting Act (15 U.S.C. 1681 et
seq.) is amended--
(1) in section 604 (15 U.S.C. 1681b)--
(A) by striking subsections (c) through (e) and
inserting the following:
''(c) Conditions for Furnishing Certain Consumer Reports.--
''(1) In general.--A consumer reporting agency may furnish
a consumer report for the following purposes only if the
consumer provides the consumer reporting agency with
affirmative written consent to furnish the consumer report,
after furnishing proper identification under section 610:
''(A) An extension of credit pursuant to subsection
(a)(3)(A).
''(B) The underwriting of insurance pursuant to
subsection (a)(3)(C).
''(2) Additional reports; election.--After a consumer has
provided affirmative written consent and furnished proper
identification under paragraph (1) to a consumer reporting
agency, the consumer reporting agency may continue to furnish
consumer reports solely for the purposes of reviewing or
collecting on an account described in subparagraphs (A) and (C)
of subsection (a)(3).
''(3) Furnishing reports in connection with credit or
insurance transactions that are not initiated by consumer.--
''(A) In general.--A consumer reporting agency may
furnish a consumer report to a person in connection
with any credit or insurance transaction under
subparagraph (A) or (C) of subsection (a)(3) that is
not initiated by the consumer only if--
''(i) the consumer provides the consumer
reporting agency affirmative written consent to
furnish the consumer report, after furnishing
proper identification under section 610; and
''(ii) the transaction consists of a firm
offer of credit or insurance.
''(B) Election.--The consumer may elect to--
''(i) have the consumer's name and
addresses included in lists of names and
addresses provided by the consumer reporting
agency pursuant to subparagraphs (A) and (C) of
subsection (a)(3) in connection with any credit
or insurance transaction that is not initiated
by the consumer only if--
''(I) the consumer provides the
consumer reporting agency affirmative
written consent to furnish the consumer
report, after furnishing proper
identification under section 610; and
''(II) the transaction consists of
a firm offer of credit or insurance;
and
''(ii) revoke at any time the election
pursuant to clause (i) to have the consumer's
name and address included in lists provided by
a consumer reporting agency.
''(C) Information regarding inquiries.--Except as
provided in section 609(a)(5), a consumer reporting
agency shall not furnish to any person a record of
inquiries in connection with a credit or insurance
transaction that is not initiated by a consumer.
''(4) Disclosures.--
''(A) In general.--A person may not procure a
consumer report for any purpose pursuant to
subparagraphs (D), (F), and (G) of subsection (a)(3)
unless--
''(i) a clear and conspicuous disclosure
has been made in writing to the consumer at any
time before the report is procured or caused to
be procured, in a document that consists solely
of the disclosure, that a consumer report may
be obtained for such purposes; and
''(ii) the consumer has authorized in
writing the procurement of the consumer report
by that person.
''(B) Authorizations.--The authorization described
in subparagraph (A)(ii) may be made on the disclosure
document provided under subparagraph (A)(i).
''(5) Rule making.--Not later than 180 days after the date
of enactment of the Control Your Personal Credit Information
Act of 2018, the Director of the Bureau shall promulgate
regulations that--
''(A) implement this subsection;
''(B) establish a model form for the disclosure
document pursuant to paragraph (4) and define the term
clear and conspicuous disclosure;
''(C) establish guidelines that permit consumers to
provide a single written authorization as required by
paragraph (1) for a specific time period for multiple
users for the specified purpose during that time
period;
''(D) require a consumer reporting agency to
provide to each consumer a secure, convenient,
accessible, and cost-free method by which a consumer
may allow or disallow the furnishing of consumer
reports pursuant to this subsection; and
''(E) require a consumer reporting agency not later
than 2 business days after the date on which a consumer
makes an election to revoke the consumer's inclusion of
the consumer's name and address in lists provided by a
consumer reporting agency pursuant to paragraph (3)(B)
to implement that election.
''(6) Prohibitions.--
''(A) In general.--The method described in
paragraph (5)(D) shall not be used to--
''(i) collect any information on a consumer
that is not necessary for the purpose of the
consumer to allow or disallow the furnishing of
consumer reports; or
''(ii) advertise any product or service.
''(B) No waiver.--In the offering of a method
described in paragraph (5)(D), a consumer reporting
agency shall not require a consumer to waive any rights
nor indemnify the consumer reporting agency from any
liabilities arising from the offering of such method.
''(7) Reports.--
''(A) CFPB.--
''(i) Recommendation.--Not later than 180
days after the date of enactment of the Control
Your Personal Credit Information Act of 2018,
the Director of the Bureau shall, after
consultation with the Federal Deposit Insurance
Corporation, the National Credit Union
Administration, and other Federal and State
regulators as the Director of the Bureau
determines are appropriate, submit to the
Committee on Banking, Housing, and Urban
Affairs of the Senate and the Committee on
Financial Services of the House of
Representatives recommendations on how to
provide consumers greater transparency and
personal control over their consumer reports
furnished for permissible purposes under
subsections (a)(3)(E) and (a)(6).
''(ii) Report.--The Director of the Bureau
shall submit to the Committee on Banking,
Housing, and Urban Affairs of the Senate and
the Committee on Financial Services of the
House of Representatives an annual report that
includes recommendations on how this subsection
may be improved, a description of enforcement
actions taken to demonstrate compliance with
this subsection, recommendations on how to
improve oversight of consumer reporting
agencies and users of consumer reports, and any
other recommendations concerning how consumers
may be provided greater transparency and
control over their personal information.
''(B) GAO.--
''(i) Study.--The Comptroller General of
the United States shall conduct a study on what
additional protections or restrictions may be
needed to ensure that the information collected
in consumer files is secure and does not
adversely impact consumers.
''(ii) Report.--Not later than 1 year after
the date of enactment of the Control Your
Personal Credit Information Act of 2018, the
Comptroller General of the United States shall
submit to the Committee on Banking, Housing,
and Urban Affairs of the Senate and the
Committee on Financial Services of the House of
Representatives a report on the results of the
study under clause (i), which shall include--
''(I) to the greatest extent
possible, the presentation of
unambiguous conclusions and specific
recommendations for further legislative
changes needed to ensure that the
information collected in consumer files
is secure and does not adversely impact
consumers; and
''(II) if no recommendations for
further legislative changes are
presented, a detailed explanation of
why no such changes are recommended.'';
(B) by redesignating subsections (f) and (g) as
subsections (d) and (e), respectively; and
(C) by adding at the end the following:
''(f) No Fees.--No consumer reporting agency may charge a consumer
any fee for any activity pursuant to this section.'';
(2) in section 607(a) (15 U.S.C. 1681e(a)), by inserting
''Every consumer reporting agency shall use commercially
reasonable efforts to avoid unauthorized access to consumer
reports and information in the file of a consumer maintained by
the consumer reporting agency, including complying with any
appropriate standards established under section 501(b) of the
Gramm-Leach-Bliley Act (15 U.S.C. 6801(b)).'' after the end of
the third sentence;
(3) in section 609 (15 U.S.C. 1681g), by striking
subsection (b) and inserting the following:
''(b) Scope of Disclosure.--The Director of the Bureau shall
promulgate regulations to clarify that any information held by a
consumer reporting agency about a consumer shall be disclosed to the
consumer when a consumer makes a written request, irrespective of
whether the information is held by the parent, subsidiary, or affiliate
of a consumer reporting agency.''; and
(4) in section 610(a)(1) (15 U.S.C. 1681h(a)(1)), by
striking ''section 609'' and inserting ''sections 604 and
609''.
(b) Technical and Conforming Amendments.--The Fair Credit Reporting
Act (15 U.S.C. 1681 et seq.) is amended--
(1) in section 603(d)(3) (15 U.S.C. 1681a(d)(3)), in the
matter preceding subparagraph (A), by striking ''604(g)(3)''
and inserting ''604(e)(3)'';
(2) in section 615(d) (15 U.S.C. 1681m(d))--
(A) in paragraph (1)--
(i) in the matter preceding subparagraph
(A), by striking ''604(c)(1)(B)'' and inserting
''604(c)(3)(A)(ii)''; and
(ii) in subparagraph (E), by striking
''604(e)'' and inserting ''604(c)(5)(D)''; and
(B) in paragraph (2)(A), by striking ''604(e)'' and
inserting ''604(c)(5)(D)''; and
(3) in section 625(b)(1)(A) (15 U.S.C. 1681t(b)(1)(A)), by
striking ''subsection (c) or (e) of section 604'' and inserting
''604(c)''.
A:
Control Your Personal Credit Information Act of 2018 This bill amends the Fair Credit Reporting Act to require a consumer's affirmative written consent before a consumer reporting agency may share that consumer's report with third parties for specified purposes. A consumer must provide proper identification when giving this consent. (Currently, this sharing is generally allowed unless a consumer opts out.) If the consumer provides consent, a consumer reporting agency may share information with a third party for: an extension of credit, or the underwriting of insurance. A consumer reporting agency may provide a consumer report in connection with transactions not initiated by the consumer only if: the consumer provides affirmative consent, and the transaction consists of a firm offer of credit or insurance. The Government Accountability Office must report on how best to protect information collected in consumer files. Consumer reporting agencies may not charge consumers fees in connection with furnishing consumer reports. The bill requires consumer reporting agencies to use reasonable efforts to prevent data breaches of consumer reports.