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.
Q: Deposit Insurance Fairness and Economic Opportunity Act - Amends the Federal Deposit Insurance Act to direct the Board of Directors of the Federal Deposit Insurance Corporation to distribute in the form of a dividend any excess amounts remaining from semiannual assessments imposed upon insured depository institutions (excess deposit insurance funds).

Defines excess amounts as the amount of funds exceeding 1.40 percent of the total estimated deposits insured by theBank Insurance Fund or the Savings Association Insurance Fund.
A:
A bill to amend the Federal Deposit Insurance Act to provide for the return of excess amounts in Federal deposit insurance funds to financial institutions for use in their communities, with such distributions allocated according to the historical basis of contributions made to the funds by such institutions.