You will be given a definition of a task first, then some input of the task.
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.

Bank Efficiency Act - Amends the Bank Holding Company Act of 1956 to permit a bank holding company having subsidiary banks located in more than one State to combine its banks into a single bank by means of merger, consolidation, or other transaction. Prescribes operating guidelines for such bank combinations.
Amends the National Bank Act to conform the qualifications of bank directors with the provisions of this Act.
Output:
Bank Efficiency Act