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

[Q]: SECTION 1. SHORT TITLE.

This Act may be cited as the ''Handgun Purchaser Licensing Act''.

SEC. 2. FINDINGS.

Congress finds as follows:
(1) In 2013, more than 33,000 Americans were killed by guns
and almost 90 percent of the firearms used in these deaths were
handguns.
(2) Recently published research by top national experts,
notably on Missouri and Connecticut handgun purchaser licensing
laws, have estimated that Missouri's repeal of its handgun
purchaser licensing law led to a 25-percent increase in firearm
homicide rates while Connecticut's adoption of its handgun
purchaser licensing law led to a 40-percent decrease in firearm
homicide rates.
(3) In States which have had effective handgun purchaser
licensing laws for decades, such as Connecticut, Massachusetts,
New Jersey, and New York, the vast majority of guns traced to
crimes originated in other States, which supports the need for
handgun purchaser licensing laws in every State.

SEC. 3. DEFINITIONS.

In this Act--
(1) the terms ''Attorney General'' and ''handgun'' have the
meanings given those terms in section 921(a) of title 18,
United States Code; and
(2) the term ''Indian tribe'' has the meaning given the
term in section 4 of the Indian Self-Determination and
Education Assistance Act (25 U.S.C. 450b).

SEC. 4. GRANT PROGRAM AUTHORIZED FOR HANDGUN LICENSING.

(a) In General.--The Attorney General is authorized to award grants
to States, units of local government, and Indian tribes for the
development, implementation, and evaluation of handgun purchaser
licensing requirements.
(b) Program Authorized.--From the amounts appropriated to carry out
this Act and not later than 90 days after such amounts are
appropriated, the Attorney General shall award grants, on a competitive
basis, to eligible applicants whose applications are approved under
subsection (c) to assist such applicants in implementing and improving
handgun purchaser licensing programs.
(c) Application.--To be eligible to receive a grant under this Act,
a State, unit of local government, or Indian tribe shall submit to the
Attorney General an application at such time, in such manner, and
containing such information as the Attorney General may require,
including--
(1) a description of the law that the applicant has enacted
to require a license for any purchase of a handgun including a
description of any exemptions to such law; and
(2) a description of how the applicant will use the grant
to carry out or improve its handgun purchaser licensing
program.
(d) Eligibility Requirements.--To be eligible for a grant under
this Act, an applicant shall have in effect handgun purchaser licensing
laws that--
(1) require--
(A) an individual applying for a handgun license or
permit to be at least 21 years old and be a national or
lawful permanent resident of the United States;
(B) an individual described in subparagraph (A) to
apply for the handgun purchaser license or permit at a
law enforcement agency in the State in which the
individual resides;
(C) an individual who is issued a handgun license
or permit to reapply for the handgun purchaser license
or permit after a period not longer than 5 years;
(D) an individual described in subparagraph (A) to
submit to a background investigation, and a criminal
history check, in connection with the application, as
established by the State;
(E) an individual described in subparagraph (A) to
submit fingerprints and photographs in connection with
the application for the license or permit; and
(F) an individual described in subparagraph (A) to
provide--
(i) proof that the individual is legally
present and lawfully resides in the United
States, including a birth certificate, or valid
passport; and
(ii)(I) in the case of a lawful permanent
resident, the alien registration number and 90-
day proof of residency; or
(II) in the case of a naturalized citizen,
proof of citizenship; and
(2) prohibit an individual who is prohibited from
possessing a firearm under section 922(g) of title 18, United
States Code, from receiving a license or permit.
(e) Use of Funds.--A grantee under this Act shall use such grant to
improve handgun purchaser licensing programs of that grantee.

SEC. 5. AUTHORIZATION OF APPROPRIATIONS.

There are authorized to be appropriated to the Attorney General
such sums as may be necessary to carry out this Act.
[A]: Handgun Purchaser Licensing Act Authorizes the Attorney General to award grants to states, units of local government, and Indian tribes for the development, implementation, and evaluation of handgun purchaser licensing requirements. Directs the Attorney General to award grants, on a competitive basis, to eligible applicants whose applications are approved to assist them in implementing and improving handgun purchaser licensing programs. Directs a state, local government, or tribe, to be eligible to receive a grant, to submit to the Attorney General an application that meets specified requirements, including a description of: (1) the law that the applicant has enacted to require a license for any purchase of a handgun, including exemptions to such law; and (2) how the applicant will use the grant to carry out or improve its program. Requires an applicant, to be eligible for a grant, to have in effect handgun purchaser licensing laws that: require an applicant for a handgun license or permit to be at least 21 years old and to be a national or lawful permanent resident of the United States; require such an individual to apply for the license or permit at a law enforcement agency in the state in which he or she resides, to reapply for an issued license after a period not longer than five years, and to submit to a background investigation and a criminal history check; require such an individual to submit fingerprints and photographs in connection with the application and to provide proof that the individual is legally present and lawfully resides in the United States; and bar any individual who is prohibited from possessing a firearm under the federal criminal code from receiving a license or permit. Requires a grantee to use such grant to improve its handgun purchaser licensing programs.

[Q]: SECTION 1. SHORT TITLE.

This Act may be cited as the ''Banking Privacy Act of 1999''.

SEC. 2. PERSONAL INFORMATION SHARING.

(a) Depository Institutions and Subsidiaries of Depository
Institutions.--Section 18 of the Federal Deposit Insurance Act (12
U.S.C. 1828) is amended by adding at the end the following new
subsection:
''(t) Personal Information Sharing Requirements.--
''(1) Information sharing prohibited if customer opts
out.--Notwithstanding any other provision of law and except as
permitted under paragraph (5), an insured depository
institution and a subsidiary of a depository institution may
not disclose or transfer customer information relating to any
customer to any other person, including an affiliate of the
depository institution, unless--
''(A) the customer to whom such information relates
has been provided with notice in accordance with
paragraph (2); and
''(B) the customer has not provided a written
directive (including a transmission by e-mail,
facsimile, or other form of electronic communication)
to the insured depository institution or subsidiary, at
any time before the close of business on the 6th
business day before such disclosure or transfer, that
such information shall not be disclosed or transferred,
except when specifically authorized by the customer in
connection with and pertaining to a specific
transaction with the depository institution or
subsidiary.
''(2) Notice.--
''(A) In general.--The notice referred to in
paragraph (1)(A) shall fully and fairly disclose, in
accordance with regulations which the Federal banking
agencies shall jointly prescribe, what information is
being disclosed or transferred, the policy of the
insured depository institution or subsidiary of an
insured depository institution with regard to
information sharing, and the right of the customer to
prohibit the disclosure or transfer of such
information.
''(B) Form of notice.--
''(i) In general.--The regulations
prescribed pursuant to subparagraph (A) shall
require that the notice required under such
subparagraph--
''(I) be prominently displayed on a
document which is separate from any
other document;
''(II) have the term 'Privacy
Notice' in prominent typeface at the
top of the notice.
''(ii) Notice requirements.--
''(I) Mailing.--If the notice
required under subparagraph (A) is
mailed to the customer, the notice
shall be mailed separately from any
other statement, document, or notice
mailed to the customer.
''(II) In person.--If the notice
required under subparagraph (A) is
disclosed to the customer in person by
an officer, director, or agent of the
depository institution or subsidiary
thereof, the officer, employee, or
agent shall obtain the written
acknowledgement of the customer of the
receipt of such notice separately from
any other signature or written
acknowledgment of the customer.
''(3) Customer information defined.--For purposes of this
subsection, the term 'customer information' means any
information acquired from a customer of the insured depository
institution that is personally identifiable to the customer,
including information relating to transactions, balances,
maturity dates, payouts, and payout dates, and transaction or
experience information.
''(4) Reasonable opportunity to respond to notice.--In
order to provide any customer of an insured depository
institution or any subsidiary of an insured depository
institution with reasonable opportunity to respond to any
notice referred to in paragraph (1)(A), the prohibition
contained in paragraph (1) on the disclosure or transfer of any
customer information relating to such customer to any other
person, including an affiliate, shall continue during the 30-
day period beginning on the date the notice referred to in such
paragraph was sent or delivered to such customer, unless the
customer has authorized such disclosure or transfer.
''(5) Exceptions.--Paragraph (1) shall not apply to the
disclosure or transfer of customer information--
''(A) in connection with processing a specific
financial transaction that the customer to whom the
information relates has authorized, if--
''(i) the customer has been informed that
any such transaction will necessarily involve
the disclosure or transfer of such information;
and
''(ii) the person to whom such information
is transferred or disclosed is subject to a
legal or contractual obligation not to use such
information for any purpose other than in
connection with facilitating the transaction;
''(B) in connection with any routine financial
transaction which does not involve marketing of
services or the sale of customer information, if the
person to whom such information is transferred or
disclosed is subject to a legal or contractual
obligation not to use such information for any purpose
other than in connection with effectuating the
transaction;
''(C) in connection with clearing checks,
processing credit transactions or electronic fund
transfers, or providing mailing services, if the person
to whom such information is transferred or disclosed is
subject to a legal or contractual obligation not to use
such information for any purpose other than in
connection with clearing or processing the transaction
or providing the service;
''(D) to a governmental, regulatory, or self-
regulatory authority having jurisdiction over the
insured depository institution for examination,
compliance, or other authorized purposes;
''(E) to a court of competent jurisdiction;
''(F) to a consumer reporting agency, as defined in
section 603(f) of the Fair Credit Reporting Act, for
use solely in accordance with such Act;
''(G) in the case of a default by the customer on
an obligation to the depository institution or
subsidiary, to a debt collector, as defined in section
803(6) of the Fair Debt Collection Practices Act,
counsel, or other entity involved in debt collection,
for use solely in accordance with such Act;
''(H) in the case of any claim or litigation
between the customer and a depository institution or
subsidiary, to a counsel or other person involved in
the resolution of the dispute;
''(I) that is not personally identifiable to the
customer or is public information; or
''(J) that is necessary to prevent or investigate
fraudulent or unlawful acts which the depository
institution or subsidiary has a good faith belief may
occur or may have occurred.''.
(b) Bank Holding Companies and Affiliates of Bank Holding
Companies.--Section 5 of the Bank Holding Company Act of 1956 (12
U.S.C. 1844) is amended by adding at the end the following new
subsection:
''(g) Personal Information Sharing Requirements.--
''(1) Information sharing prohibited if customer opts
out.--Notwithstanding any other provision of law and except as
permitted under paragraph (5), a bank holding company and an
affiliate of a bank holding company (other than a depository
institution subsidiary or subsidiary of such depository
institution) may not disclose or transfer customer information
relating to any customer to any other person, including another
affiliate of the bank holding company, unless--
''(A) the customer to whom such information relates
has been provided with notice in accordance with
paragraph (2); and
''(B) the customer has not provided a written
directive (including a transmission by e-mail,
facsimile, or other form of electronic communication)
to the bank holding company or affiliate, at any time
before the close of business on the 6th business day
before such disclosure or transfer, that such
information shall not be disclosed or transferred,
except when specifically authorized by the customer in
connection with and pertaining to a specific
transaction with the bank holding company or affiliate.
''(2) Notice.--
''(A) In general.--The notice referred to in
paragraph (1)(A) shall fully and fairly disclose, in
accordance with regulations which the Board shall
prescribe, what information is being disclosed or
transferred, the policy of the bank holding company or
affiliate of a bank holding company with regard to
information sharing, and the right of the customer to
prohibit the disclosure or transfer of such
information.
''(B) Form of notice.--
''(i) In general.--The regulations
prescribed pursuant to subparagraph (A) shall
require that the notice required under such
subparagraph--
''(I) be prominently displayed on a
document which is separate from any
other document:
''(II) have the term 'Privacy
Notice' in prominent typeface at the
top of the notice.
''(ii) Notice requirements.--
''(I) Mailing.--If the notice
required under subparagraph (A) is
mailed to the customer, the notice
shall be mailed separately from any
other statement, document, or notice
mailed to the customer.
''(II) In person.--If the notice
required under subparagraph (A) is
disclosed to the customer in person by
an officer, director, or agent of the
bank holding company or affiliate
thereof, the officer, employee, or
agent shall obtain the written
acknowledgement of the customer of the
receipt of such notice separately from
any other signature or written
acknowledgment of the customer.
''(3) Customer information defined.--For purposes of this
subsection, the term 'customer information' means any
information acquired from a customer of the bank holding
company or affiliate that is personally identifiable to the
customer, including information relating to transactions,
balances, maturity dates, payouts, and payout dates, and
transaction or experience information.
''(4) Reasonable opportunity to respond to notice.--In
order to provide any customer of a bank holding company or any
affiliate of a bank holding company with reasonable opportunity
to respond to any notice referred to in paragraph (1)(A), the
prohibition contained in paragraph (1) on the disclosure or
transfer of any customer information relating to such customer
to any other person, including another affiliate, shall
continue during the 30-day period beginning on the date the
notice referred to in such paragraph was sent or delivered to
such customer, unless the customer has authorized such
disclosure or transfer.
''(5) Exceptions.--Paragraph (1) shall not apply to the
disclosure or transfer of customer information--
''(A) in connection with processing a specific
financial transaction that the customer to whom the
information relates has authorized, if--
''(i) the customer has been informed that
any such transaction will necessarily involve
the disclosure or transfer of such information;
and
''(ii) the person to whom such information
is transferred or disclosed is subject to a
legal or contractual obligation not to use such
information for any purpose other than in
connection with facilitating the transaction;
''(B) in connection with any routine financial
transaction which does not involve marketing of
services or the sale of customer information, if the
person to whom such information is transferred or
disclosed is subject to a legal or contractual
obligation not to use such information for any purpose
other than in connection with effectuating the
transaction;
''(C) in connection with clearing checks,
processing financial transactions or electronic fund
transfers, or providing mailing services, if the person
to whom such information is transferred or disclosed is
subject to a legal or contractual obligation not to use
such information for any purpose other than in
connection with clearing or processing the transaction
or providing the service;
''(D) to a governmental, regulatory, or self-
regulatory authority having jurisdiction over the
insured depository institution for examination,
compliance, or other authorized purposes;
''(E) to a court of competent jurisdiction;
''(F) to a consumer reporting agency, as defined in
section 603(f) of the Fair Credit Reporting Act, for
use solely in accordance with such Act;
''(G) in the case of a default by the customer on
an obligation to the bank holding company or affiliate,
to a debt collector, as defined in section 803(6) of
the Fair Debt Collection Practices Act, counsel, or
other entity involved in debt collection, for use
solely in accordance with such Act;
''(H) in the case of any claim or litigation
between the customer and a depository institution or
subsidiary, to counsel or any other person involved in
the resolution of the dispute;
''(I) that is not personally identifiable to the
customer or is public information; or
''(J) that is necessary to prevent or investigate
fraudulent or unlawful acts which the bank holding
company or affiliate has a good faith belief may occur
or may have occurred.''.
[A]: Banking Privacy Act of 1999 - Amends the Federal Deposit Insurance Act and the Bank Holding Company Act of 1956 to mandate customer notice and written consent as a prerequisite to personal information sharing between institutions under their purview (an insured depository institution or bank holding company, respectively) and other persons or affiliates.
Delineates notice and consent procedures.

[Q]: of Disapproval.--
''(1) In general.--Except as provided in subsection (b)(2),
the debt limit shall not be increased under this section if,
within 15 calendar days after Congress receives the
certification described in subsection (a)(1) (regardless of
whether Congress is in session), there is enacted into law a
joint resolution disapproving the President's exercise of
authority with respect to such increase.
''(2) Contents of joint resolution.--For the purpose of
this section, the term 'joint resolution' means only a joint
resolution--
''(A) that is introduced between the date a
certification described in subsection (a)(1) is
received and 3 calendar days after that date;
''(B) which does not have a preamble;
''(C) the title of which is only as follows: 'Joint
resolution relating to the disapproval of the
President's exercise of authority to increase the debt
limit, as submitted under section 3101B of title 31,
United States Code, on ______' (with the blank
containing the date of such submission); and
''(D) the matter after the resolving clause of
which is only as follows: 'That Congress disapproves of
the President's exercise of authority to increase the
debt limit, as exercised pursuant to the certification
submitted under section 3101B(a) of title 31, United
States Code, on ______.' (with the blank containing the
date of such submission).
''(d) Expedited Consideration in House of Representatives.--
''(1) Reconvening.--Upon receipt of a certification
described in subsection (a)(1), the Speaker, if the House would
otherwise be adjourned, shall notify the Members of the House
that, pursuant to this section, the House shall convene not
later than the second calendar day after receipt of such
certification.
''(2) Reporting and discharge.--Any committee of the House
of Representatives to which a joint resolution is referred
shall report it to the House without amendment not later than 5
calendar days after the date of introduction of the joint
resolution. If a committee fails to report the joint resolution
within that period, the committee shall be discharged from
further consideration of the joint resolution and the joint
resolution shall be referred to the appropriate calendar.
''(3) Proceeding to consideration.--After each committee
authorized to consider a joint resolution reports it to the
House or has been discharged from its consideration, it shall
be in order, not later than the sixth day after introduction of
the joint resolution, to move to proceed to consider the joint
resolution in the House. All points of order against the motion
are waived. Such a motion shall not be in order after the House
has disposed of a motion to proceed on a joint resolution
addressing a particular submission. The previous question shall
be considered as ordered on the motion to its adoption without
intervening motion. The motion shall not be debatable. A motion
to reconsider the vote by which the motion is disposed of shall
not be in order.
''(4) Consideration.--The joint resolution shall be
considered as read. All points of order against the joint
resolution and against its consideration are waived. The
previous question shall be considered as ordered on the joint
resolution to its passage without intervening motion except 2
hours of debate equally divided and controlled by the proponent
and an opponent. An amendment to the joint resolution or a
motion to reconsider the vote on passage of the joint
resolution shall not be in order.
''(e) Expedited Procedure in Senate.--
''(1) Reconvening.--Upon receipt of a certification under
subsection (a)(1), if the Senate has adjourned or recessed for
more than 2 days, the majority leader of the Senate, after
consultation with the minority leader of the Senate, shall
notify the Members of the Senate that, pursuant to this
section, the Senate shall convene not later than the second
calendar day after receipt of such message.
''(2) Placement on calendar.--Upon introduction in the
Senate, a joint resolution shall be immediately placed on the
calendar.
''(3) Floor consideration.--
''(A) In general.--Notwithstanding rule XXII of the
Standing Rules of the Senate, it is in order at any
time during the period beginning on the day after the
date on which Congress receives a certification under
subsection (a)(1) and ending on the sixth day after the
date of introduction of a joint resolution (even though
a previous motion to the same effect has been disagreed
to) to move to proceed to the consideration of the
joint resolution, and all points of order against the
joint resolution (and against consideration of the
joint resolution) are waived. The motion to proceed is
not debatable. The motion is not subject to a motion to
postpone. A motion to reconsider the vote by which the
motion is agreed to or disagreed to shall not be in
order. If a motion to proceed to the consideration of
the resolution is agreed to, the joint resolution shall
remain the unfinished business until disposed of.
''(B) Consideration.--Consideration of the joint
resolution, and on all debatable motions and appeals in
connection therewith, shall be limited to not more than
10 hours, which shall be divided equally between the
majority and minority leaders or their designees. A
motion further to limit debate is in order and not
debatable. An amendment to, or a motion to postpone, or
a motion to proceed to the consideration of other
business, or a motion to recommit the joint resolution
is not in order.
''(C) Vote on passage.--If the Senate has voted to
proceed to a joint resolution, the vote on passage of
the joint resolution shall occur immediately following
the conclusion of consideration of the joint
resolution, and a single quorum call at the conclusion
of the debate if requested in accordance with the rules
of the Senate.
''(D) Rulings of the chair on procedure.--Appeals
from the decisions of the Chair relating to the
application of the rules of the Senate, as the case may
be, to the procedure relating to a joint resolution
shall be decided without debate.
''(f) Amendment Not in Order.--A joint resolution of disapproval
considered pursuant to this section shall not be subject to amendment
in either the House of Representatives or the Senate.
''(g) Coordination With Action by Other House.--
''(1) In general.--If, before passing the joint resolution,
one House receives from the other a joint resolution--
''(A) the joint resolution of the other House shall
not be referred to a committee; and
''(B) the procedure in the receiving House shall be
the same as if no joint resolution had been received
from the other House, except that the vote on final
passage shall be on the joint resolution of the other
House.
''(2) Treatment of joint resolution of other house.--If the
Senate fails to introduce or consider a joint resolution under
this section, the joint resolution of the House shall be
entitled to expedited floor procedures under this section.
''(3) Treatment of companion measures.--If, following
passage of the joint resolution in the Senate, the Senate
receives the companion measure from the House of
Representatives, the companion measure shall not be debatable.
''(4) Consideration after passage.--
''(A) In general.--If Congress passes a joint
resolution, the period beginning on the date the
President is presented with the joint resolution and
ending on the date the President signs, allows to
become law without his signature, or vetoes and returns
the joint resolution (but excluding days when either
House is not in session) shall be disregarded in
computing the calendar day period described in
subsection (b)(1) or subsection (c)(1).
''(B) Debate.--Debate on a veto message in the
Senate under this section shall be 1 hour equally
divided between the majority and minority leaders or
their designees.
''(5) Veto override.--If within the calendar day period
described in subsection (c)(1), Congress overrides a veto of a
joint resolution, except as provided in subsection (b)(2), the
limit on debt provided in section 3101(b) shall not be raised
under this section.
''(h) Rules of House of Representatives and Senate.--This
subsection and subsections (c), (d), (e), (f), and (g) are enacted by
Congress--
''(1) as an exercise of the rulemaking power of the Senate
and House of Representatives, respectively, and as such it is
deemed a part of the rules of each House, respectively, but
applicable only with respect to the procedure to be followed in
that House in the case of a joint resolution, and it supersedes
other rules only to the extent that it is inconsistent with
such rules; and
''(2) with full recognition of the constitutional right of
either House to change the rules (so far as relating to the
procedure of that House) at any time, in the same manner, and
to the same extent as in the case of any other rule of that
House.''.
(b) Conforming Amendment.--The table of sections for chapter 31 of
title 31, United States Code, is amended by inserting after the item
relating to section 3101A the following:

''3101B. Additional Presidential modification of the debt ceiling.''.
[A]:
Pay Our Bills Act - Authorizes an extension of the presidential authority to modify the public debt ceiling (subject to enactment of a congressional joint resolution of disapproval). Authorizes the Secretary of the Treasury to borrow an additional amount required to meet existing commitments if the President certifies to Congress that the public debt is within $100 billion of the current limit and that further borrowing is required. (The debt limit was $16.699 trillion before its suspension in the Continuing Appropriations Act, FY2014 [P.L. 113-46].) Authorizes Congress to use current requirements for expedited consideration of the joint resolution. Increases the debt limit by the certified amount if the time for disaproval has lapsed without enactment of the joint resolution. Suspends the debt limit for the period beginning on the date on which the President submits such a certification to Congress and ending on the earlier of: 15 calendar days after Congress receives the certification, or enactment of a joint resolution disapproving the President's exercise of authority for the debt limit under that certification. Increases the debt limit, effective on the day after the certification is submitted, to the extent that: the face amount of public debt obligations and those whose principal and interest are guaranteed by the U.S. government (except guaranteed obligations held by the Secretary) outstanding on the day after such date exceeds the face amount of such obligations outstanding on the date the President certifies Congress. Excludes from such formula any obligation whose issuance was not necessary to fund a commitment that required payment before the day after the certification is submitted to Congress. Prohibits the debt limit from being increased if a joint resolution of disapproval is enacted within 15 days after receipt by Congress (in session or not) of a presidential certification that the public debt is within $100 billion of the current limit. Provides for expedited consideration of such a joint resolution in the House and Senate.