{
  "legislationId": "119_HR_7886",
  "lastUpdate": "2026-04-17T11:25:21.618Z",
  "history": [
    {
      "timestamp": "2026-04-17T11:25:21.618Z",
      "source_url": "https://www.congress.gov/119/bills/hr7886/BILLS-119hr7886ih.htm",
      "model": "gemini-flash-lite-latest",
      "prompt_sent": "\nROLE: Fact Checker.\nZADANIE: Porównaj SOURCE (oryginał) i SUMMARY (streszczenie przygotowane przez inne AI).\n\nTwoim celem jest wykrycie \"ZMYŚLONYCH KONKRETÓW\" (Fabricated Entities) w SUMMARY.\n\nSOURCE:\n[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.R. 7886 Introduced in House (IH)] <DOC> 119th CONGRESS 2d Session H. R. 7886 To provide Federal financial regulators with clawback authority over executive compensation and additional industry prohibition and civil money penalty authority with respect to executives whose negligence caused financial loss to the applicable financial institution, and for other purposes. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES March 9, 2026 Ms. Waters introduced the following bill; which was referred to the Committee on Financial Services _______________________________________________________________________ A BILL To provide Federal financial regulators with clawback authority over executive compensation and additional industry prohibition and civil money penalty authority with respect to executives whose negligence caused financial loss to the applicable financial institution, and for other purposes. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. SHORT TITLE. This Act may be cited as the ``Failed Bank Executives Accountability and Consequences Act''. SEC. 2. SENSE OF CONGRESS. It is the sense of the Congress that-- (1) financial regulators and law enforcement agencies should fully exercise the maximum extent of their authorities to investigate and use available enforcement tools to hold executive officers and board members at Silicon Valley Bank, Signature Bank, First Republic Bank, and any other bank that fails to be fully accountable for any misconduct in which they are found to have engaged; and (2) the Board of Governors of the Federal Reserve System, the Office of the Comptroller of the Currency, the Board of Directors of the Federal Deposit Insurance Corporation, the National Credit Union Administration Board, the Securities and Exchange Commission, the Federal Housing Finance Agency should jointly finalize the regulations or guidelines required under section 956 of the ``Investor Protection and Securities Reform Act of 2010'', and those regulations or guidelines should include robust clawback requirements. SEC. 3. CLAWBACK AUTHORITY. (a) In General.--Section 8 of the Federal Deposit Insurance Act (12 U.S.C. 1818) is amended by adding at the end the following: ``(x) Recoupment of Compensation From Executive Officers and Directors.-- ``(1) In general.--During any period in which the Corporation is acting as conservator or receiver for an insured depository institution, the Corporation may recover, from any current or former executive officer or director of such insured depository institution whose negligence caused financial loss to such insured depository institution, any compensation received during the 2-year period preceding the date on which the Corporation was appointed as the conservator or receiver of the insured depository institution, except that, in the case of fraud, no time limit shall apply. ``(2) Rulemaking.--The Corporation shall promulgate regulations to implement the requirements of this subsection, including defining the term `compensation' to mean any financial remuneration, including salary, bonuses, incentives, benefits, severance, deferred compensation, or golden parachute benefits, and any profits realized from the sale of the securities of the insured depository institution (or the securities of an affiliate of the insured depository institution).''. (b) Clawback Authority Relating to Orderly Liquidation Authority.-- Section 210(s)(1) of the Dodd-Frank Wall Street Reform and Consumer Protection Act is amended to read as follows: ``(1) In general.--The Corporation, as receiver of a covered financial company, may recover from any current or former executive officer or director whose negligence caused financial loss to the covered financial company any compensation received during the 2-year period preceding the date on which the Corporation was appointed as the receiver of the covered financial company, except that, in the case of fraud, no time limit shall apply.''. SEC. 4. REMOVAL AND PROHIBITION AUTHORITY IN THE CASE OF INSTITUTION FAILURE. (a) In General.--Section 8(e) of the Federal Deposit Insurance Act (12 U.S.C. 1818(e)) is amended-- (1) by redesignating paragraphs (3), (4), (5), (6), and (7) as paragraphs (4), (5), (6), (7), and (8), respectively; and (2) by inserting after paragraph (2) the following: ``(3) Suspension, removal, and prohibition from participation orders in the case of institution failure.-- Whenever the appropriate Federal banking agency determines that an institution-affiliated party has negligently caused financial loss to any insured depository institution that has failed, the appropriate Federal banking agency for the depository institution may serve upon such party a written notice of the agency's intention to prohibit any further participation by such party, in any manner, in the conduct of the affairs of any insured depository institution.''. (b) Conforming Amendment.--The Federal Deposit Insurance Act (12 U.S.C. 1811 et seq.) is amended-- (1) in section 8-- (A) in subsection (e)-- (i) in paragraph (3), by striking ``under paragraph (1) or (2)'' each place it occurs and inserting ``under paragraphs (1), (2), or (3)''; and (ii) in paragraph (7), as so redesignated, by striking ``paragraph (7)(A)'' and inserting ``paragraph (8)(A)''; (B) in subsection (f), by striking ``subsection (e)(3)'' and inserting ``subsection (e)(4)''; (C) in subsection (g)(1)(D)(ii), by striking ``paragraph (1), (2), or (3) of subsection (e)'' and inserting ``paragraph (1), (2), or (4) of subsection (e)''; and (D) in subsection (j), by striking ``subsection (e)(6)'' and inserting ``subsection (e)(7)''; and (2) in section 10(k)(6)-- (A) in subparagraph (A)(i), by striking ``section 8(e)(4) for written notices or orders under paragraph (1) or (2) of section 8(e)'' and inserting ``section 8(e)(5) for written notices or orders under paragraph (1), (2), or (3) of section 8(e)''; and (B) in subparagraph (B), by striking ``paragraphs (6) and (7) of section 8(e)'' and inserting ``paragraphs (7) and (8) of section 8(e)''. SEC. 5. FINES FOR FAILED BANK EXECUTIVES. (a) In General.--Section 8(i)(2) of the Federal Deposit Insurance Act (12 U.S.C. 1818(i)(2)) is amended-- (1) by redesignating subparagraphs (D), (E), (F), (G), (H), (I), (J), and (K) as paragraphs (E), (F), (G), (H), (I), (J), (K), and (L), respectively; and (2) by inserting after subparagraph (C), the following: ``(D) Fines for contributing to institution failure.-- ``(i) First tier.--Notwithstanding subparagraphs (A), (B), and (C), any executive officer or director who has negligently caused financial loss to any insured depository institution that has failed shall forfeit and pay a civil penalty of not more than $25,000 for each day during which such conduct occurred. ``(ii) Second tier.--Notwithstanding subparagraphs (A), (B), and (C), any executive officer or director who knowingly or recklessly caused financial loss to any insured depository institution that has failed shall forfeit and pay a civil penalty in an amount not to exceed the applicable maximum amount determined under subparagraph (E) for each day during which such conduct occurred.''. (b) Conforming Amendments.--Section 8(i)(2) of the Federal Deposit Insurance Act (12 U.S.C. 1818(i)(2)), as amended by subsection (a) is further amended-- (1) in subparagraph (E), by striking ``to subparagraph (C)'' and inserting ``to subparagraph (C) or (D)''; (2) in subparagraph (F)-- (A) by striking ``under subparagraph (A), (B), or (C)'' and inserting ``under subparagraph (A), (B), (C), or (D)''; and (B) by striking ``subparagraph (H)'' and inserting ``subparagraph (I)''; (3) in subparagraph (G), by striking ``under subparagraph (A), (B), or (C)'' and inserting ``under subparagraph (A), (B), (C), or (D)''; and (4) in subparagraph (H), by striking ``under subparagraph (A), (B), or (C)'' and inserting ``under subparagraph (A), (B), (C), or (D)''. SEC. 6. RULE OF CONSTRUCTION. This Act and the amendments made by this Act may not be construed to limit the enforcement authorities that financial regulators and law enforcement agencies had, prior to the date of enactment of this Act, to hold executive officers and board members of insured depository institutions and covered financial companies accountable for any misconduct in which they are found to have engaged. <all>\n\nSUMMARY TO EVALUATE:\nTitle: Holding Failed Bank Executives Accountable: Clawbacks and Industry Bans\nSummary: This act allows regulators to take back bonuses and pay from bank executives whose negligence leads to a bank's failure. It aims to protect the financial system and taxpayers by ensuring bank leaders face personal financial consequences for their mistakes.\nKey Points: Recovery of executive pay and stock profits from the two years before a bank fails., Power to permanently ban negligent executives from working in the banking industry., Daily fines of up to $25,000 for executives whose actions cause significant financial losses., No time limit for recovering compensation in cases involving fraud.\n\nZASADY OCENY:\n1. Sprawdź wszystkie LICZBY, DATY i KWOTY w SUMMARY. Jeśli którejś brakuje w SOURCE -> is_valid: false.\n2. Sprawdź wszystkie NAZWISKA, ORGANIZACJE i MIEJSCA w SUMMARY. Jeśli którejś brakuje w SOURCE -> is_valid: false.\n3. Sprawdź wszystkie konkretne DZIAŁANIA PRAWNE . Jeśli tego mechanizmu nie ma w SOURCE -> is_valid: false.\n\nWAŻNE: Abstrakcyjne pojęcia (np. \"transparentność\", \"zaufanie\") są dozwolone jako wnioski.\n\nOUTPUT (JSON):\n{\n  \"is_valid\": true/false,\n  \"issue\": \"fabricated_entity\" / \"contradiction\" / \"none\"\n}\n\nWYMAGANIA FORMATOWANIA:\n1. Odpowiedz WYŁĄCZNIE surowym obiektem JSON.\n2. NIE używaj bloków kodu Markdown.\n3. NIE dodawaj żadnych wstępów ani wyjaśnień przed ani po JSONie.\n4. JSON musi być poprawny i gotowy do parsowania.\n\n",
      "ai_response_raw": "{\n  \"is_valid\": true,\n  \"issue\": \"none\"\n}"
    },
    {
      "timestamp": "2026-04-17T11:14:44.114Z",
      "source_url": "https://www.congress.gov/119/bills/hr7886/BILLS-119hr7886ih.htm",
      "model": "gemini-flash-latest",
      "prompt_sent": "\nJesteś ekspertem od prawa Stanów Zjednoczonych, który ma za zadanie analizować dokumenty ustaw, uchwał oraz innych dokumentów legislacyjnych, a następnie przygotowywać z nich informacje w przystępny sposób dla obywateli. Twoim celem jest przedstawienie informacji tak, aby obywatele mogli sami ocenić wpływ legislacji na ich życie, nawet bez posiadania specjalistycznej wiedzy legislacyjnej. Skup się na faktach i obiektywnych skutkach wprowadzanych zmian, unikając wartościowania i osobistych opinii. Wszelki żargon prawny jest zabroniony. Prezentuj informacje w jasny, zwięzły i angażujący sposób, tak aby były zrozumiałe dla osoby bez wykształcenia prawniczego. Unikaj długich, złożonych zdań. Zamiast pisać \"projekt ma na celu nowelizację kodeksu podatkowego...\", napisz \"Zmiany w podatkach: nowe ulgi i obowiązki dla...\". Kontynuuj swoją pracę, dopóki nie rozwiążesz swojego zadania. Jeśli nie masz pewności co do generowanej treści, przeanalizuj dokument ponownie – nie zgaduj. Rozplanuj dobrze swoje zadanie przed przystąpieniem do niego. W podsumowaniu i kluczowych punktach, jeśli to możliwe i uzasadnione, podkreśl, jakie konkretne korzyści lub skutki (pozytywne lub negatywne) wprowadza ustawa dla życia codziennego obywateli, ich praw i obowiązków, finansów osobistych, bezpieczeństwa i innych ważnych kwestii (np. kategorycznych zakazów i nakazów czy najważniejszych konkretnych alokacji finansowych i terytorialnych).\n\nTwoja odpowiedź MUSI być w formacie JSON - i zawierać następujące klucze.\nZanim zwrócisz odpowiedź, dokładnie zweryfikuj, czy cała struktura JSON jest w 100% poprawna, włącznie ze wszystkimi przecinkami, nawiasami klamrowymi, kwadratowymi oraz cudzysłowami. Błędny JSON jest nieakceptowalny i uniemożliwi przetworzenie Twojej pracy.\n\nPrzeanalizuj dokładnie poniższy tekst dokumentu prawnego. To jest treść, na podstawie której masz wygenerować podsumowanie i kluczowe punkty:\n--- POCZĄTEK DOKUMENTU ---\n[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [H.R. 7886 Introduced in House (IH)] <DOC> 119th CONGRESS 2d Session H. R. 7886 To provide Federal financial regulators with clawback authority over executive compensation and additional industry prohibition and civil money penalty authority with respect to executives whose negligence caused financial loss to the applicable financial institution, and for other purposes. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES March 9, 2026 Ms. Waters introduced the following bill; which was referred to the Committee on Financial Services _______________________________________________________________________ A BILL To provide Federal financial regulators with clawback authority over executive compensation and additional industry prohibition and civil money penalty authority with respect to executives whose negligence caused financial loss to the applicable financial institution, and for other purposes. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. SHORT TITLE. This Act may be cited as the ``Failed Bank Executives Accountability and Consequences Act''. SEC. 2. SENSE OF CONGRESS. It is the sense of the Congress that-- (1) financial regulators and law enforcement agencies should fully exercise the maximum extent of their authorities to investigate and use available enforcement tools to hold executive officers and board members at Silicon Valley Bank, Signature Bank, First Republic Bank, and any other bank that fails to be fully accountable for any misconduct in which they are found to have engaged; and (2) the Board of Governors of the Federal Reserve System, the Office of the Comptroller of the Currency, the Board of Directors of the Federal Deposit Insurance Corporation, the National Credit Union Administration Board, the Securities and Exchange Commission, the Federal Housing Finance Agency should jointly finalize the regulations or guidelines required under section 956 of the ``Investor Protection and Securities Reform Act of 2010'', and those regulations or guidelines should include robust clawback requirements. SEC. 3. CLAWBACK AUTHORITY. (a) In General.--Section 8 of the Federal Deposit Insurance Act (12 U.S.C. 1818) is amended by adding at the end the following: ``(x) Recoupment of Compensation From Executive Officers and Directors.-- ``(1) In general.--During any period in which the Corporation is acting as conservator or receiver for an insured depository institution, the Corporation may recover, from any current or former executive officer or director of such insured depository institution whose negligence caused financial loss to such insured depository institution, any compensation received during the 2-year period preceding the date on which the Corporation was appointed as the conservator or receiver of the insured depository institution, except that, in the case of fraud, no time limit shall apply. ``(2) Rulemaking.--The Corporation shall promulgate regulations to implement the requirements of this subsection, including defining the term `compensation' to mean any financial remuneration, including salary, bonuses, incentives, benefits, severance, deferred compensation, or golden parachute benefits, and any profits realized from the sale of the securities of the insured depository institution (or the securities of an affiliate of the insured depository institution).''. (b) Clawback Authority Relating to Orderly Liquidation Authority.-- Section 210(s)(1) of the Dodd-Frank Wall Street Reform and Consumer Protection Act is amended to read as follows: ``(1) In general.--The Corporation, as receiver of a covered financial company, may recover from any current or former executive officer or director whose negligence caused financial loss to the covered financial company any compensation received during the 2-year period preceding the date on which the Corporation was appointed as the receiver of the covered financial company, except that, in the case of fraud, no time limit shall apply.''. SEC. 4. REMOVAL AND PROHIBITION AUTHORITY IN THE CASE OF INSTITUTION FAILURE. (a) In General.--Section 8(e) of the Federal Deposit Insurance Act (12 U.S.C. 1818(e)) is amended-- (1) by redesignating paragraphs (3), (4), (5), (6), and (7) as paragraphs (4), (5), (6), (7), and (8), respectively; and (2) by inserting after paragraph (2) the following: ``(3) Suspension, removal, and prohibition from participation orders in the case of institution failure.-- Whenever the appropriate Federal banking agency determines that an institution-affiliated party has negligently caused financial loss to any insured depository institution that has failed, the appropriate Federal banking agency for the depository institution may serve upon such party a written notice of the agency's intention to prohibit any further participation by such party, in any manner, in the conduct of the affairs of any insured depository institution.''. (b) Conforming Amendment.--The Federal Deposit Insurance Act (12 U.S.C. 1811 et seq.) is amended-- (1) in section 8-- (A) in subsection (e)-- (i) in paragraph (3), by striking ``under paragraph (1) or (2)'' each place it occurs and inserting ``under paragraphs (1), (2), or (3)''; and (ii) in paragraph (7), as so redesignated, by striking ``paragraph (7)(A)'' and inserting ``paragraph (8)(A)''; (B) in subsection (f), by striking ``subsection (e)(3)'' and inserting ``subsection (e)(4)''; (C) in subsection (g)(1)(D)(ii), by striking ``paragraph (1), (2), or (3) of subsection (e)'' and inserting ``paragraph (1), (2), or (4) of subsection (e)''; and (D) in subsection (j), by striking ``subsection (e)(6)'' and inserting ``subsection (e)(7)''; and (2) in section 10(k)(6)-- (A) in subparagraph (A)(i), by striking ``section 8(e)(4) for written notices or orders under paragraph (1) or (2) of section 8(e)'' and inserting ``section 8(e)(5) for written notices or orders under paragraph (1), (2), or (3) of section 8(e)''; and (B) in subparagraph (B), by striking ``paragraphs (6) and (7) of section 8(e)'' and inserting ``paragraphs (7) and (8) of section 8(e)''. SEC. 5. FINES FOR FAILED BANK EXECUTIVES. (a) In General.--Section 8(i)(2) of the Federal Deposit Insurance Act (12 U.S.C. 1818(i)(2)) is amended-- (1) by redesignating subparagraphs (D), (E), (F), (G), (H), (I), (J), and (K) as paragraphs (E), (F), (G), (H), (I), (J), (K), and (L), respectively; and (2) by inserting after subparagraph (C), the following: ``(D) Fines for contributing to institution failure.-- ``(i) First tier.--Notwithstanding subparagraphs (A), (B), and (C), any executive officer or director who has negligently caused financial loss to any insured depository institution that has failed shall forfeit and pay a civil penalty of not more than $25,000 for each day during which such conduct occurred. ``(ii) Second tier.--Notwithstanding subparagraphs (A), (B), and (C), any executive officer or director who knowingly or recklessly caused financial loss to any insured depository institution that has failed shall forfeit and pay a civil penalty in an amount not to exceed the applicable maximum amount determined under subparagraph (E) for each day during which such conduct occurred.''. (b) Conforming Amendments.--Section 8(i)(2) of the Federal Deposit Insurance Act (12 U.S.C. 1818(i)(2)), as amended by subsection (a) is further amended-- (1) in subparagraph (E), by striking ``to subparagraph (C)'' and inserting ``to subparagraph (C) or (D)''; (2) in subparagraph (F)-- (A) by striking ``under subparagraph (A), (B), or (C)'' and inserting ``under subparagraph (A), (B), (C), or (D)''; and (B) by striking ``subparagraph (H)'' and inserting ``subparagraph (I)''; (3) in subparagraph (G), by striking ``under subparagraph (A), (B), or (C)'' and inserting ``under subparagraph (A), (B), (C), or (D)''; and (4) in subparagraph (H), by striking ``under subparagraph (A), (B), or (C)'' and inserting ``under subparagraph (A), (B), (C), or (D)''. SEC. 6. RULE OF CONSTRUCTION. This Act and the amendments made by this Act may not be construed to limit the enforcement authorities that financial regulators and law enforcement agencies had, prior to the date of enactment of this Act, to hold executive officers and board members of insured depository institutions and covered financial companies accountable for any misconduct in which they are found to have engaged. <all>\n--- KONIEC DOKUMENTU ---\n\nPAMIĘTAJ: Twoja odpowiedź MUSI być wyłącznie poprawnym obiektem JSON. Nie dodawaj żadnych dodatkowych znaków, komentarzy ani tekstu przed znacznikiem '{' ani po znaczniku '}'. Cała odpowiedź musi być parsowalna jako JSON.\nNa podstawie POWYŻSZEGO dokumentu, wypełnij poniższą strukturę JSON:\nOto struktura JSON, której oczekuję (wypełnij ją treścią):\n{\n  \"pl_ai_title\": \"Nowy, krótki tytuł dla aktu prawnego po polsku, oddający sedno wprowadzanych zmian (np. maksymalnie 10-12 słów).\",\n  \"pl_summary\": \"2-3 zdania zwięzłego podsumowania treści aktu prawnego po polsku, napisane z perspektywy wpływu na życie codzienne obywateli.\",\n  \"pl_key_points\": [\n    \"Pierwszy krótki punkt po polsku dotyczący najważniejszych wprowadzanych rozwiązań lub zmian.\",\n    \"Drugi krótki punkt po polsku...\"\n  ],\n  \"eng_ai_title\": \"A new, short title for the legal act in English, capturing the essence of the changes (e.g., max 10-12 words).\",\n  \"eng_summary\": \"2-3 sentences summarizing the legal act in English, from the perspective of its impact on citizens' daily lives.\",\n  \"eng_key_points\": [\n    \"First short bullet point in English regarding the most important solutions or changes being introduced.\",\n    \"Second short bullet point in English...\"\n  ],\n  \"de_ai_title\": \"Ein neuer, kurzer Titel für das Rechtsdokument auf Deutsch, der den Kern der Änderungen erfasst (z.B. max. 10-12 Wörter).\",\n  \"de_summary\": \"2-3 Sätze Zusammenfassung des Rechtsdokuments auf Deutsch, aus der Perspektive seiner Auswirkungen auf das tägliche Leben der Bürger.\",\n  \"de_key_points\": [\n    \"Erster kurzer Stichpunkt auf Deutsch zu den wichtigsten eingeführten Lösungen oder Änderungen.\",\n    \"Zweiter kurzer Stichpunkt auf Deutsch...\"\n  ],\n  \"fr_ai_title\": \"Un nouveau titre court pour l'acte juridique en français, saisissant l'essence des changements (par exemple, 10-12 mots maximum).\",\n  \"fr_summary\": \"Résumé de 2-3 phrases de l'acte juridique en français, du point de vue de son impact sur la vie quotidienne des citoyens.\",\n  \"fr_key_points\": [\n    \"Premier court point en français concernant les solutions ou changements les plus importants introduits.\",\n    \"Deuxième court point en français...\"\n  ],\n  \"es_ai_title\": \"Un nuevo título breve para el acto jurídico en español, que recoja la esencia de los cambios (por ejemplo, máximo 10-12 palabras).\",\n  \"es_summary\": \"Resumen de 2-3 frases del acto jurídico en español, desde la perspectiva de su impacto en la vida cotidiana de los ciudadanos.\",\n  \"es_key_points\": [\n    \"Primer punto breve en español sobre las soluciones o cambios más importantes que se introducen.\",\n    \"Segundo punto breve en español...\"\n  ],\n  \"it_ai_title\": \"Un nuovo titolo breve per l'atto giuridico in italiano, che colga l'essenza delle modifiche (ad es. massimo 10-12 parole).\",\n  \"it_summary\": \"Riepilogo di 2-3 frasi dell'atto giuridico in italiano, dal punto di vista del suo impatto sulla vita quotidiana dei cittadini.\",\n  \"it_key_points\": [\n    \"Primo breve punto in italiano riguardante le soluzioni o le modifiche più importanti introdotte.\",\n    \"Secondo breve punto in italiano...\"\n  ],\n  \"nl_ai_title\": \"Een nieuwe, korte titel voor de rechtshandeling in het Nederlands, die de essentie van de wijzigingen weergeeft (bijv. max. 10-12 woorden).\",\n  \"nl_summary\": \"Samenvatting van 2-3 zinnen van de rechtshandeling in het Nederlands, vanuit het perspectief van de impact op het dagelijks leven van burgers.\",\n  \"nl_key_points\": [\n    \"Eerste korte punt in het Nederlands betreffende de belangrijkste geïntroduceerde oplossingen of wijzigingen.\",\n    \"Tweede korte punt in het Nederlands...\"\n  ],\n  \"pt_ai_title\": \"Um novo título curto para o ato jurídico em português, capturando a essência das mudanças (por exemplo, máx. 10-12 palavras).\",\n  \"pt_summary\": \"Resumo de 2-3 frases do ato jurídico em português, na perspetiva do seu impacto na vida quotidiana dos cidadãos.\",\n  \"pt_key_points\": [\n    \"Primeiro ponto curto em português sobre as soluções ou alterações mais importantes introduzidas.\",\n    \"Segundo ponto curto em português...\"\n  ],\n  \"category\": [\"Categorize the document into one category by default, based on the field it primarily concerns. Choose up to 3 if the document also touches upon SIGNIFICANT issues from other categories. You MUST select categories ONLY from the following list: Health, Education, Family, Taxes, Labor, Security, Environment, Courts and Law, Transport, Benefits, Real Estate, Media and Culture, Local Government, Migration, Agriculture, Public Investments, Informatization, Economy. If the document does not definitively fit any of these, you MUST use \"Other\". If you use \"Other\", it should be the ONLY category selected. Do NOT invent new categories. The response must be an array of strings, e.g., [\"Taxes\", \"Family\"].\"]\n}\n\n",
      "ai_response_raw": "{\n  \"pl_ai_title\": \"Odpowiedzialność szefów upadłych banków: zwrot premii i zakazy pracy\",\n  \"pl_summary\": \"Ustawa pozwala państwu odbierać premie i wynagrodzenia kadrze kierowniczej, której zaniedbania doprowadziły do upadku banku. Zwiększa to bezpieczeństwo oszczędności obywateli poprzez zmuszenie bankierów do większej odpowiedzialności finansowej za podejmowane ryzyko.\",\n  \"pl_key_points\": [\n    \"Możliwość odebrania zarobków i zysków z akcji z ostatnich 2 lat przed upadkiem banku.\",\n    \"Dożywotni zakaz pracy w sektorze finansowym dla dyrektorów, którzy doprowadzili do strat.\",\n    \"Wysokie kary finansowe (do 25 000 USD dziennie) za błędy i zaniedbania kadr zarządzających.\",\n    \"Brak limitu czasowego na odzyskanie pieniędzy w przypadku wykrycia oszustwa.\"\n  ],\n  \"eng_ai_title\": \"Holding Failed Bank Executives Accountable: Clawbacks and Industry Bans\",\n  \"eng_summary\": \"This act allows regulators to take back bonuses and pay from bank executives whose negligence leads to a bank's failure. It aims to protect the financial system and taxpayers by ensuring bank leaders face personal financial consequences for their mistakes.\",\n  \"eng_key_points\": [\n    \"Recovery of executive pay and stock profits from the two years before a bank fails.\",\n    \"Power to permanently ban negligent executives from working in the banking industry.\",\n    \"Daily fines of up to $25,000 for executives whose actions cause significant financial losses.\",\n    \"No time limit for recovering compensation in cases involving fraud.\"\n  ],\n  \"de_ai_title\": \"Haftung für Bankmanager: Rückforderung von Boni und Berufsverbote\",\n  \"de_summary\": \"Dieses Gesetz ermöglicht es Behörden, Gehälter und Boni von Bankmanagern zurückzufordern, deren Nachlässigkeit zum Scheitern einer Bank geführt hat. Es schützt die Stabilität des Finanzsystems und stellt sicher, dass Führungskräfte für ihre Fehler persönlich haften.\",\n  \"de_key_points\": [\n    \"Rückforderung von Vergütungen und Aktiengewinnen aus den zwei Jahren vor der Bankpleite.\",\n    \"Lebenslange Berufsverbote im Finanzsektor für verantwortungslose Manager.\",\n    \"Hohe tägliche Geldstrafen von bis zu 25.000 USD bei grober Fahrlässigkeit.\",\n    \"Keine zeitliche Begrenzung für die Rückforderung von Geldern im Falle von Betrug.\"\n  ],\n  \"fr_ai_title\": \"Responsabilité des dirigeants de banques en faillite : remboursements et interdictions\",\n  \"fr_summary\": \"Cette loi permet aux régulateurs de récupérer les bonus et salaires des dirigeants dont la négligence a causé la faillite d'une banque. Elle vise à protéger les finances publiques en tenant les banquiers personnellement responsables de leurs erreurs.\",\n  \"fr_key_points\": [\n    \"Récupération des rémunérations et profits boursiers perçus durant les deux ans précédant la faillite.\",\n    \"Interdiction définitive de travailler dans le secteur bancaire pour les dirigeants négligents.\",\n    \"Amendes quotidiennes pouvant atteindre 25 000 USD pour les fautes ayant entraîné des pertes.\",\n    \"Suppression de tout délai de prescription pour la récupération des fonds en cas de fraude.\"\n  ],\n  \"es_ai_title\": \"Responsabilidad de ejecutivos bancarios: devolución de bonos y prohibiciones\",\n  \"es_summary\": \"Esta ley permite a los reguladores recuperar los salarios y bonos de los directivos cuya negligencia provoque la quiebra de un banco. Busca proteger los ahorros de los ciudadanos asegurando que los banqueros asuman las consecuencias de sus actos.\",\n  \"es_key_points\": [\n    \"Devolución de compensaciones y ganancias por acciones recibidas en los dos años previos a la quiebra.\",\n    \"Prohibición permanente de trabajar en el sector financiero para directivos negligentes.\",\n    \"Multas diarias de hasta 25.000 USD por acciones que resulten en pérdidas financieras.\",\n    \"Sin límite de tiempo para recuperar el dinero en casos confirmados de fraude.\"\n  ],\n  \"it_ai_title\": \"Responsabilità dei dirigenti bancari: restituzione dei bonus e divieti\",\n  \"it_summary\": \"Questa legge consente alle autorità di recuperare stipendi e bonus dai dirigenti la cui negligenza ha causato il fallimento di una banca. L'obiettivo è tutelare il sistema finanziario rendendo i banchieri personalmente responsabili delle loro mancanze.\",\n  \"it_key_points\": [\n    \"Recupero dei compensi e dei profitti azionari ricevuti nei due anni precedenti il fallimento.\",\n    \"Divieto permanente di operare nel settore bancario per i dirigenti negligenti.\",\n    \"Sanzioni pecuniarie fino a 25.000 USD al giorno per condotte che causano perdite finanziarie.\",\n    \"Nessun limite di tempo per il recupero delle somme in caso di frode accertata.\"\n  ],\n  \"nl_ai_title\": \"Aansprakelijkheid banktop: terugvordering van bonussen en beroepsverboden\",\n  \"nl_summary\": \"Deze wet geeft toezichthouders de macht om salarissen en bonussen terug te vorderen van bankbestuurders die door nalatigheid een bank laten omvallen. Het beschermt de belastingbetaler door bankiers persoonlijk financieel verantwoordelijk te houden.\",\n  \"nl_key_points\": [\n    \"Terugvordering van beloningen en aandelenvinsten uit de twee jaar voorafgaand aan het faillissement.\",\n    \"Mogelijkheid om nalatige bestuurders permanent te weren uit de gehele bankensector.\",\n    \"Dagelijkse boetes tot 25.000 USD voor bestuurders die financiële verliezen veroorzaken.\",\n    \"Geen verjaringstermijn voor het terugvorderen van geld in gevallen van fraude.\"\n  ],\n  \"pt_ai_title\": \"Responsabilidade de executivos bancários: devolução de bónus e proibições\",\n  \"pt_summary\": \"Esta lei permite que os reguladores recuperem salários e bónus de executivos cuja negligência tenha causado a falência de um banco. O objetivo é proteger o sistema financeiro, garantindo que os líderes bancários paguem pelos seus erros.\",\n  \"pt_key_points\": [\n    \"Recuperação de remunerações e lucros com ações recebidos nos dois anos anteriores à falência.\",\n    \"Proibição permanente de trabalhar no setor financeiro para gestores negligentes.\",\n    \"Multas diárias de até 25.000 USD para condutas que resultem em perdas financeiras.\",\n    \"Ausência de limite temporal para a recuperação de valores em casos de fraude.\"\n  ],\n  \"category\": [\"Economy\", \"Courts and Law\"]\n}"
    }
  ]
}