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

Ex 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.

Ex 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.

Ex Input:
SECTION 1. PHYSICAL EDUCATION FOR PROGRESS.

Title X of the Elementary and Secondary Education Act of 1965 (20
U.S.C. 8001 et seq.) is amended by adding at the end the following:

''PART L--PHYSICAL EDUCATION FOR PROGRESS

''SEC. 10999A. SHORT TITLE.

''This part may be cited as the 'Physical Education for Progress
Act'.

''SEC. 10999B. PURPOSE.

''The purpose of this part is to award grants and contracts to
local educational agencies to enable the local educational agencies to
initiate, expand, and improve physical education programs for all
kindergarten through 12th grade students.

''SEC. 10999C. FINDINGS.

''Congress makes the following findings:
''(1) Physical education is essential to the development of
growing children.
''(2) Physical education helps improve the overall health
of children by improving their cardiovascular endurance,
muscular strength and power, and flexibility, and by enhancing
weight regulation, bone development, posture, skillful moving,
active lifestyle habits, and constructive use of leisure time.
''(3) Physical education helps improve the self esteem,
interpersonal relationships, responsible behavior, and
independence of children.
''(4) Children who participate in high quality daily
physical education programs tend to be more healthy and
physically fit.
''(5) The percentage of young people who are overweight has
more than doubled in the 30 years preceding 1999.
''(6) Low levels of activity contribute to the high
prevalence of obesity among children in the United States.
''(7) Obesity related diseases cost the United States
economy more than $100,000,000,000 every year.
''(8) Inactivity and poor diet cause at least 300,000
deaths a year in the United States.
''(9) Physically fit adults have significantly reduced risk
factors for heart attacks and stroke.
''(10) Children are not as active as they should be and
fewer than 1 in 4 children get 20 minutes of vigorous activity
every day of the week.
''(11) The Surgeon General's 1996 Report on Physical
Activity and Health, and the Centers for Disease Control and
Prevention, recommend daily physical education for all students
in kindergarten through grade 12.
''(12) Twelve years after Congress passed House Concurrent
Resolution 97, 100th Congress, agreed to December 11, 1987,
encouraging State and local governments and local educational
agencies to provide high quality daily physical education
programs for all children in kindergarten through grade 12,
little progress has been made.
''(13) Every student in our Nation's schools, from
kindergarten through grade 12, should have the opportunity to
participate in quality physical education. It is the unique
role of quality physical education programs to develop the
health-related fitness, physical competence, and cognitive
understanding about physical activity for all students so that
the students can adopt healthy and physically active
lifestyles.
''(14) Every student in our Nation's schools should have
the opportunity to achieve the goals established by Healthy
People 2000 and Healthy People 2010.

''SEC. 10999D. PROGRAM AUTHORIZED.

''The Secretary is authorized to award grants to, and enter into
contracts with, local educational agencies to pay the Federal share of
the costs of initiating, expanding, and improving physical education
programs for kindergarten through grade 12 students by--
''(1) providing equipment and support to enable students to
actively participate in physical education activities;
''(2) developing or enhancing physical education curricula
to meet national goals for physical education developed by the
Secretary in consultation with the National Association for
Sport and Physical Education; and
''(3) providing funds for staff and teacher training and
education.

''SEC. 10999E. APPLICATIONS; PROGRAM REQUIREMENTS.

''(a) Applications.--Each local educational agency desiring a grant
or contract under this part shall submit to the Secretary an
application that contains a plan to initiate, expand, or improve
physical education programs in the schools served by the agency in
order to make progress toward meeting--
''(1) the goals described in subsection (b); or
''(2) State standards for physical education.
''(b) Goals.--The goals referred to in subsection (a) are as
follows:
''(1) Physical education programs shall facilitate
achievement of the national goals for physical education
described in section 10999D(2), and the curriculum of the
programs may provide--
''(A) fitness education and assessment to help
children understand, improve, or maintain their
physical well-being;
''(B) instruction in a variety of motor skills and
physical activities designed to enhance the physical,
mental, and social or emotional development of every
child;
''(C) development of cognitive concepts about motor
skill and physical fitness that support a lifelong
healthy lifestyle;
''(D) opportunities to develop positive social and
cooperative skills through physical activity
participation; and
''(E) instruction in healthy eating habits and good
nutrition.
''(2) Teachers of physical education shall be afforded the
opportunity for professional development to stay abreast of the
latest research, issues, and trends in the field of physical
education.
''(c) Special Rule.--For the purpose of this part, extracurricular
activities such as team sports and Reserve Officers' Training Corps
(ROTC) program activities shall not be considered as part of the
curriculum of a physical education program assisted under this part.

''SEC. 10999F. PROPORTIONALITY.

''The Secretary shall ensure that grants awarded and contracts
entered into under this part shall be equitably distributed between
local educational agencies serving urban and rural areas, and between
local educational agencies serving large and small numbers of students.

''SEC. 10999G. PRIVATE SCHOOL STUDENTS AND HOME-SCHOOLED STUDENTS.

''An application for funds under this part, consistent with the
number of home-schooled children or children enrolled in private
elementary schools, middle schools, and secondary schools located in
the school district of a local educational agency, may provide for the
participation of such children and their teachers in the activities
assisted under this part.

''SEC. 10999H. REPORT REQUIRED FOR CONTINUED FUNDING.

''As a condition to continue to receive grant or contract funding
after the first year of a multiyear grant or contract under this part,
the administrator of the grant or contract for the local educational
agency shall submit to the Secretary an annual report that describes
the activities conducted during the preceding year and demonstrates
that progress has been made toward achieving goals described in section
10999E(b) or meeting State standards for physical education.

''SEC. 10999I. REPORT TO CONGRESS.

''The Secretary shall submit a report to Congress not later than
June 1, 2003, that describes the programs assisted under this part,
documents the success of such programs in improving physical fitness,
and makes such recommendations as the Secretary determines appropriate
for the continuation and improvement of the programs assisted under
this part.

''SEC. 10999J. ADMINISTRATIVE COSTS.

''Not more than 5 percent of the grant or contract funds made
available to a local educational agency under this part for any fiscal
year may be used for administrative costs.

''SEC. 10999K. FEDERAL SHARE; SUPPLEMENT NOT SUPPLANT.

''(a) Federal Share.--The Federal share under this part may not
exceed--
''(1) 90 percent of the total cost of a project for the
first year for which the project receives assistance under this
part; and
''(2) 75 percent of such cost for the second and each
subsequent such year.
''(b) Supplement not Supplant.--Funds made available under this
part shall be used to supplement and not supplant other Federal, State,
and local funds available for physical education activities.

''SEC. 10999L. AUTHORIZATION OF APPROPRIATIONS.

''There are authorized to be appropriated $30,000,000 for fiscal
year 2000, $70,000,000 for fiscal year 2001, and $100,000,000 for each
of the fiscal years 2002 through 2004, to carry out this part. Such
funds shall remain available until expended.''.

Ex Output:
Requires such grants and contracts to be used for: (1) providing equipment and support to enable students to actively participate in physical education activities; (2) developing or enhancing physical education curricula to meet national goals developed by the Secretary; and (3) providing funds for staff and teacher training and education.
Requires LEA assistance applications for such assistance to contain plans for helping school physical education programs make progress toward meeting State standards for physical education or specified goals. Prohibits extracurricular activities such as team sports and Reserve Officers' Training Corps (ROTC) program activities from consideration as part of the curriculum of a physical education program assisted under this Act.
Authorizes appropriations.

Ex Input:
SECTION 1. NEEDS-BASED BANKRUPTCY.

Title 11 of the United States Code is amended--
(1) in section 101--
(A) by inserting after paragraph (10) the
following:
''(10A) 'current monthly total income' means the average
monthly income derived from all sources that the debtor, or in
a joint case the debtor and the debtor's spouse, receive
without regard to whether such income is taxable income, in the
180-day period ending on the date the case is commenced, and
includes any amount paid by anyone other than the debtor, or in
a joint case the debtor and the debtor's spouse, on a regular
basis for the household expenses of the debtor or the debtor's
dependents, and in a joint case the dependents of the debtor's
spouse;''; and
(B) by inserting after paragraph (52) the
following:
''(52A) 'State median family income' means the State median
family income reported by the Bureau of the Census as of
January 1 following the then most recently concluded calendar
year for the State in which the debtor's domicile has been
located for the 180 days immediately preceding the date of the
filing of the petition, or for a longer portion of such 180-day
period than in any other place.
''(52B) 'State median household income for 1 earner' means
the State median household for 1 earner income reported by the
Bureau of the Census as of January 1 following the then most
recently concluded calendar year for the State in which the
debtor's domicile has been located for the 180 days immediately
preceding the date of the filing of the petition, or for a
longer portion of such 180-day period than in any other
place.'';
(2) in section 104(b)(1) by striking ''109(e)'' and
inserting ''subsections (b), (e), and (h) of section 109'';
(3) in section 109(b)--
(A) in paragraph (2) by striking ''or'' at the end;
(B) in paragraph (3) by striking the period and
inserting ''; or''; and
(C) by adding at the end the following:
''(4) an individual, or in a joint case an individual and
such individual's spouse, who have income available to pay
creditors as determined under subsection (h) and whose
additional expenses established under subsection (h)(4) are
less than 10 percent of current monthly total income.'';
(4) by adding at the end of section 109 the following:
''(h)(1) An individual, or in a joint case an individual and such
individual's spouse, have income available to pay creditors if the
individual, or in a joint case the individual and the individual's
spouse combined, as of the date of the order for relief, have--
''(A) current monthly total income exceeding 75 percent of
the State median family income for a family of equal size or,
in the case of a household of 1 individual, or exceeding 75
percent of the State median household income for 1 earner, as
of the date of the order for relief;
''(B) projected monthly net income exceeding $50; and
''(C) projected monthly net income sufficient to repay 20
percent or more of unsecured nonpriority claims during a 5-year
repayment plan.
''(2) Projected monthly net income shall be sufficient under
paragraph (1)(C) if, when multiplied by 60 months, such income is not
less than 20 percent of the total amount scheduled as payable to
unsecured nonpriority creditors.
''(3) For purposes of this subsection, 'projected monthly net
income' means current monthly total income less the sum of--
''(A) the expense allowances under the applicable National
Standards, Local Standards and Other Necessary Expenses
allowance (excluding payments for debts) for the debtor, the
debtor's dependents, and in a joint case the debtor's spouse
the dependents of the debtor's spouse, in the area in which the
debtor resides as determined under the Internal Revenue Service
financial analysis for expenses, as in effect on the date of
the order for relief;
''(B) the average monthly payment on account of secured
creditors, which shall be calculated as the total of all
amounts scheduled as contractually payable to secured creditors
in each month of the 60 months following the date of the
petition by the debtor, or in a joint case by the debtor and
the debtor's spouse combined, and dividing that total by 60
months; and
''(C) the average monthly payment on account of priority
creditors, which shall be calculated as the total amount of
debts entitled to priority, reasonably estimated by the debtor
as of the date of the petition, and dividing that total by 60
months.
''(4) If the debtor establishes extraordinary circumstances that
require allowance for additional expenses, projected monthly net income
for purposes of this subsection shall be the amount calculated under
paragraph (3) less such additional expenses as such extraordinary
circumstances require.
''(A) This paragraph shall not apply unless the debtor
files with the petition--
''(i) a written statement that this paragraph
applies in determining the debtor's eligibility for
relief under chapter 7 of this title;
''(ii) a list itemizing each additional expense
which exceeds the expenses allowances provided under
paragraph (3)(A);
''(iii) a detailed description of the extraordinary
circumstances that explains why each of the additional
expenses itemized under subparagraph (II) requires
allowance; and
''(iv) a sworn statement signed by the debtor and,
if the debtor is represented by counsel, by the
debtor's attorney, that the information required under
this paragraph is true and correct.
''(B)(i) Until the trustee or any party in interest objects
to the debtor's statement that this paragraph applies and the
court rejects or modifies the debtor's statement, the projected
monthly net income in the debtor's statement shall be the
projected monthly net income for the purposes of this
subsection.
''(ii) If an objection is filed with the court not later
than 60 days after the debtor has provided all the information
required under subsections (a)(1) and (c)(1)(A) of section 521
of this title, the court, after notice and hearing, shall
determine whether such extraordinary circumstances exist and
shall establish the amount of the additional expense allowance,
if any. The burden of disproving such extraordinary
circumstances shall be on the objector.
''(5) If a party in interest files a motion, or makes an objection,
to cause the dismissal or conversion of a case under chapter 7 on the
ground that an individual may not be a debtor, or in a joint case that
an individual and such individual's spouse may not be debtors, under
such chapter and fails to prevail on the motion or the objection, such
party shall pay to the debtor or debtors, a reasonable attorney's fee
and costs incurred by the debtor or debtors in opposing the motion or
the objection.'';
(5) in section 704--
(A) by striking ''and'' at the end of paragraph
(8);
(B) by striking the period at the end of paragraph
(9) and inserting ''; and''; and
(C) by adding at the end the following:
''(10) with respect to an individual debtor, review all
materials provided by the debtor under subsections (a)(1) and
(c)(1) of section 521, investigate and verify the debtor's
projected monthly net income and not later than 30 days after
the order for relief under this chapter, file a report with the
court as to whether the debtor may be a debtor under this
chapter.'';
(6) in section 1302(b)--
(A) in paragraph (1)--
(i) by striking ''704(7) and'' and
inserting ''704(7),''; and
(ii) by inserting ''and 704(10)'' after
''704(9)''; and
(B) in paragraph (4) by striking ''and'' at the
end;
(C) in paragraph (5) by striking the period and
inserting a semicolon; and
(D) by adding at the end the following:
''(6) investigate and verify the debtor's monthly net
income and other information provided by the debtor pursuant to
sections 521 and 1322, and pursuant to section 111 if
applicable; and
''(7) file annual reports with the court, with copies to
holders of claims under the plan, as to whether a modification
of the amount paid creditors under the plan is appropriate
because of changes in the debtor's monthly net income.''.

SEC. 2. EFFECTIVE DATE; APPLICATION OF AMENDMENTS.

(a) Effective Date.--Except as provided in subsection (b), this Act
and the amendments made by this Act shall take effect on the date of
the enactment of this Act.
(b) Application of Amendments.--The amendments made by this Act
shall apply only with respect to cases commenced under title 11 of the
United States Code on or after the date of the enactment of this Act.

Ex Output:
Amends Federal bankruptcy law to prescribe guidelines for a needs-based bankruptcy system which precludes individuals from filing for complete relief in bankruptcy under chapter 7 (Liquidation) if certain current monthly income is available to pay creditors.
Sets forth formulae for income levels determinative of debtor eligibility for bankruptcy relief. Treats as having income available to pay creditors (and thus eligible for chapter 13 Adjustment of Debts of an Individual with Regular Income) any individual (or in a joint case, an individual and spouse combined) with: (1) a current monthly total income exceeding 75 percent of the State median family income for a family of equal size (or for one earner, 75 percent of the State median household income); (2) projected monthly net income exceeding $50; and (3) projected monthly net income sufficient to repay 20 percent or more of unsecured non-priority claims during a five-year repayment plan.
Requires a party in interest to pay debtor's legal costs if such party fails to prevail on a procedural action to cause the dismissal or conversion of a chapter 7 case on the basis that the individual may not be a chapter 7 debtor.
Requires a trustee to: (1) investigate and verify the debtor's monthly net income and other specified information the debtor provides; and (2) report annually to the court, with copies to claimholders, on any appropriate modification of the amount paid creditors under the plan because of changes in the debtor's monthly net income.