instruction:
In this task, you are given a summary for US Congressional and California state bill, your task is to generate a Title for this bill. The preferred titles are under forty words and mention the purpose of the bill.
question:
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.
answer:
A bill to authorize a grant program to provide for expanded access to mainstream financial institutions.

question:
Clarifications to the Fair Debt Collection Practices Act - Amends the Fair Debt Collection Practices Act to state that formal pleadings in a civil action shall not be considered the kind of communication (initial or otherwise) required for a validation of debt notice.

Prescribes an alternative version of the initial communication debt collectors are required to give consumers, incorporating the three statements currently specified.

States that collection activities and communications may continue during the 30 days following a debt collector's initial notice to the debtor.

States that, if the consumer's attorney at law fails to respond to a communication from a debt collector within 30 days (currently, a reasonable period of time) after receiving a communication from the collector, such collector may communicate directly with the consumer.

Limits to one the number of additional communications a debt collector may make to a consumer after the consumer has notified the collector in writing that the consumer refuses to pay the debt or wishes the collector to cease further communication. Limits the content of any such additional communication to one of the three purposes already specified by the Act.

Revises notice of debt guidelines to require one of the debt collector's mandatory statements to specify that a consumer's dispute of the validity of a debt be submitted in writing in order to preclude an assumption by the collector that the debt is valid.
answer:
To amend the Fair Debt Collection Practices Act to make certain technical corrections, and for other purposes.

question:
Contra Costa Canal Transfer Act (Sec. 3) This bill directs the Department of the Interior, in consideration for the Contra Costa Water District, California, assuming all liability for the Contra Costa Canal, to offer to convey to the district all U.S. interest in the canal and associated land. Interior shall convey to the district all U.S. interest in the Rock Slough fish screen facility pursuant to an agreement that ensures the continued safe and reliable operations of the facility. (Sec. 4) The United States shall not be liable for damages arising out of any act, omission, or occurrence relating to the canal or the acquired land, with an exception for acts of negligence. (Sec. 5) Interior shall report to Congress on the status of, any obstacles to completing, and an anticipated date of completion of, the conveyance and assignment.
answer:
Contra Costa Canal Transfer Act