{
  "legislationId": "119_HR_8087",
  "lastUpdate": "2026-04-13T14:33:54.927Z",
  "history": [
    {
      "timestamp": "2026-04-13T14:33:54.927Z",
      "source_url": "https://www.congress.gov/119/bills/hr8087/BILLS-119hr8087ih.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. 8087 Introduced in House (IH)] <DOC> 119th CONGRESS 2d Session H. R. 8087 To amend the Federal Deposit Insurance Act to provide deposit insurance for noninterest-bearing transaction accounts, and for other purposes. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES March 25, 2026 Mr. Lucas introduced the following bill; which was referred to the Committee on Financial Services _______________________________________________________________________ A BILL To amend the Federal Deposit Insurance Act to provide deposit insurance for noninterest-bearing transaction accounts, 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 ``Main Street Depositor Protection Act''. SEC. 2. TRANSACTION ACCOUNT INSURANCE. (a) Depository Institutions.-- (1) In general.--Section 11(a)(1) of the Federal Deposit Insurance Act (12 U.S.C. 1821(a)(1)) is amended by striking subparagraph (B) and inserting the following: ``(B) Net amount of insured deposit.-- ``(i) In general.--The net amount due to any depositor at an insured depository institution shall not exceed the sum of-- ``(I) the standard maximum deposit insurance amount as determined in accordance with subparagraphs (C), (D), (E), and (F) and paragraph (3); and ``(II) the net amount under clause (ii). ``(ii) Insurance for noninterest-bearing transaction accounts.-- ``(I) In general.--Except as provided in subclause (IV), not later than the end of the 6-month period beginning on the date of enactment of this clause, the Corporation shall insure the net amount that any depositor maintains, in the aggregate, in 1 or more noninterest-bearing transaction accounts at an insured depository institution, in the amount determined under subclause (II). ``(II) Insured amount.--The Corporation shall issue a rule to establish the maximum amount for insurance described in subclause (I), which shall be in an amount that is-- ``(aa) not less than the standard maximum deposit insurance amount on the date such rule is issued; ``(bb) not more than $5,000,000; and ``(cc) based on considerations of enhancing the financial stability of the banking system, promoting economic growth, and providing for the safety of the Deposit Insurance Fund. ``(III) Aggregation.--For the purpose of determining the net amount due to any depositor under subclause (I), the Corporation shall aggregate the amounts of all deposits in noninterest-bearing transaction accounts at insured depository institutions that are subsidiaries of a single depository institution holding company. ``(IV) Exclusion.-- ``(aa) Definition.--In this subclause, the term `foreign bank' does not include any bank organized under the laws of any territory of the United States, Puerto Rico, Guam, American Samoa, or the Virgin Islands, the deposits of which are insured by the Corporation pursuant to this Act. ``(bb) Exclusion.--The Corporation may not insure under subclause (I) amounts maintained at-- ``(AA) any insured depository institution that is a subsidiary of a bank holding company that is identified as a global systemically important BHC under section 217.402 of title 12, Code of Federal Regulations (or any successor regulation); or ``(BB) any insured branch of a foreign bank. ``(cc) Rule of construction.--Nothing in this subclause may be construed to exclude any insured depository institution described in subitem (AA) from the standard maximum deposit insurance amount described in clause (i)(I). ``(V) No subsequent adjustments.-- After the Corporation issues a rule pursuant to subclause (II), the amount of insurance provided under subclause (I) may not subsequently be modified or repealed except by an Act of Congress.''. (2) Technical and conforming amendment.--Section 3(m) of the Federal Deposit Insurance Act (12 U.S.C. 1813(m)) is amended-- (A) in paragraph (1), by inserting ``, including deposits in a noninterest-bearing transaction account,'' after ``deposits''; and (B) by adding at the end the following: ``(5) Noninterest-bearing transaction account.--The term `noninterest-bearing transaction account' means a deposit or account maintained at an insured depository institution-- ``(A) with respect to which interest is neither accrued nor paid; ``(B) on which the depositor or account holder is permitted to make withdrawals by negotiable or transferable instrument, payment orders of withdrawal, telephone or other electronic media transfers, or other similar items for the purpose of making payments or transfers to third parties or others; and ``(C) on which the insured depository institution does not reserve the right to require advance notice of an intended withdrawal.''. (3) Assessments.--During the transition period under subsection (c), no insured depository institution with total assets of $10,000,000,000 or less shall be required to pay-- (A) any special assessment under section 7(b)(5) or 13(c)(4)(G) of the Federal Deposit Insurance Act (12 U.S.C. 1817(b)(5), 1823(c)(4)(G)) as a condition to insurance on a noninterest-bearing transaction account, as defined in paragraph (5) of section 3(m) of the Federal Deposit Insurance Act (12 U.S.C. 1813(m)), as added by paragraph (2) of this subsection; or (B) any increase in assessments under section 7(b)(2) of the Federal Deposit Insurance Act (12 U.S.C. 1817(b)(2)) solely to offset any impact on the reserve ratio arising out of the extension of insurance to noninterest-bearing transaction accounts in excess of the standard maximum deposit insurance amount as determined in accordance with subparagraphs (C), (D), (E), and (F) of paragraph (1) and paragraph (3) of section 11(a) of that Act (12 U.S.C. 1821(a)). (b) Credit Unions.-- (1) In general.--Section 207(k)(1)(A) of the Federal Credit Union Act (12 U.S.C. 1787(k)(1)(A)) is amended-- (A) by striking ``Subject to the provisions of paragraph (2), the net amount'' and inserting the following: ``(i) Net amount of insurance payable.-- Subject to clause (ii) and the provisions of paragraph (2), the net amount''; and (B) by adding at the end the following: ``(ii) Insurance for noninterest-bearing transaction accounts.-- ``(I) In general.--Notwithstanding clause (i), the Board shall insure the net amount that any member, or any person with funds lawfully held in a member account, maintains, in the aggregate, in 1 or more noninterest- bearing transaction accounts at an insured credit union. ``(II) Insured amount.--The maximum amount for insurance described in subclause (I) shall be the maximum amount determined in the rule issued by the Federal Deposit Insurance Corporation pursuant to section 11(a)(1)(B)(ii)(II) of the Federal Deposit Insurance Act (12 U.S.C. 1821(a)(1)(B)(ii)(II)). ``(III) Exclusion.--The amount described in subclause (I) shall not be taken into account when computing the net amount due to a member, or to any person with funds lawfully held in a member account, described in that subclause under clause (i).''. (2) Technical and conforming amendments.--Section 101 of the Federal Credit Union Act (12 U.S.C. 1752) is amended-- (A) in paragraph (5), by inserting ``such terms mean a noninterest-bearing transaction account,'' after ``Act,''; (B) in paragraph (8), by striking ``and'' at the end; (C) in paragraph (9), by striking the period at the end and inserting ``; and''; and (D) by adding at the end the following: ``(10) The term `noninterest-bearing transaction account' means an account of a member, or nonmember that is eligible to maintain an insured account, maintained at an insured credit union-- ``(A) with respect to which interest is neither accrued nor paid; ``(B) on which the member or account holder is permitted to make withdrawals by negotiable or transferable instrument, payment orders of withdrawal, telephone or other electronic media transfers, or other similar items for the purpose of making payments or transfers to third parties or others; and ``(C) on which the insured credit union does not reserve the right to require advance notice of an intended withdrawal.''. (c) Transition Period.-- (1) Depository institutions.-- (A) In general.--Notwithstanding any other provision of law, insured deposits in noninterest- bearing transaction accounts, as described in clause (ii) of section 11(a)(1)(B) of the Federal Deposit Insurance Act (12 U.S.C. 1821(a)(1)(B)), as added by subsection (a)(1) of this section, shall be included in the determination of the value of the estimated insured deposits described in sections 3(y)(3) and 7(b)(3)(B) of that Act (12 U.S.C. 1813(y)(3), 1817(b)(3)(B)) in accordance with the plan required under subparagraph (B). (B) Plan.--Not later than 1 year after the date of enactment of this Act, the Federal Deposit Insurance Corporation shall publish in the Federal Register a plan for gradually increasing, during the period ending on the date that is 10 years after the date of enactment of this Act, the portion of insured deposits described in subparagraph (A) in the determination described in that subparagraph, reaching 100 percent at the end of the period. (2) Credit unions.-- (A) In general.--Notwithstanding any other provision of law, insured shares in noninterest-bearing transaction accounts, as described in clause (ii) of section 207(k)(1)(A) of the Federal Credit Union Act (12 U.S.C. 1787(k)(1)(A)), as added by subsection (b)(1) of this section, shall be included in the determination of the value of the aggregate amount of the insured shares, as defined in section 202(h) of that Act (12 U.S.C. 1782(h)), in accordance with the plan required under subparagraph (B). (B) Plan.--Not later than 1 year after the date of enactment of this Act, the National Credit Union Administration Board shall publish in the Federal Register a plan for gradually increasing, during the period ending on the date that is 10 years after the date of enactment of this Act, the portion of insured shares described in subparagraph (A) in the determination described in that subparagraph, reaching 100 percent at the end of the period. (C) Regulations.--The National Credit Union Administration Board may promulgate regulations to ensure that the National Credit Union Share Insurance Fund remains well-capitalized. (d) Regulations.--The Federal Deposit Insurance Corporation and the National Credit Union Administration Board may promulgate regulations carrying out the amendments made by this section, including prohibiting insured depository institutions, as defined in section 3 of the Federal Deposit Insurance Act (12 U.S.C. 1813), insured credit unions, as defined in section 101 of the Federal Credit Union Act (12 U.S.C. 1752), and third parties, as applicable, from evading the limitation of insurance established under those amendments to only-- (1) noninterest-bearing transaction accounts; (2) deposits or accounts at insured depository institutions not excluded under clause (ii)(IV) of section 11(a)(1)(B) of the Federal Deposit Insurance Act (12 U.S.C. 1821(a)(1)(B)), as added by subsection (a) of this section; and (3) shares, deposits, or accounts at insured credit unions. <all>\n\nSUMMARY TO EVALUATE:\nTitle: Main Street Depositor Protection Act – Higher Insurance for Checking Accounts\nSummary: This bill increases the insurance limit for non-interest-bearing bank accounts, potentially protecting up to $5 million of your deposits. It aims to strengthen financial stability and protect savings in local banks and credit unions.\nKey Points: Increases insurance for non-interest-bearing accounts to a maximum of $5 million., Applies to both traditional banks and credit unions., Excludes global 'too big to fail' banks and foreign bank branches from this specific extra coverage., Small banks with assets under $10 billion are exempt from certain fees for this insurance during the transition., The new system will be phased in gradually over a 10-year period.\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": "2026-04-13T14:09:52.725Z",
      "source_url": "https://www.congress.gov/119/bills/hr8087/BILLS-119hr8087ih.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. 8087 Introduced in House (IH)] <DOC> 119th CONGRESS 2d Session H. R. 8087 To amend the Federal Deposit Insurance Act to provide deposit insurance for noninterest-bearing transaction accounts, and for other purposes. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES March 25, 2026 Mr. Lucas introduced the following bill; which was referred to the Committee on Financial Services _______________________________________________________________________ A BILL To amend the Federal Deposit Insurance Act to provide deposit insurance for noninterest-bearing transaction accounts, 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 ``Main Street Depositor Protection Act''. SEC. 2. TRANSACTION ACCOUNT INSURANCE. (a) Depository Institutions.-- (1) In general.--Section 11(a)(1) of the Federal Deposit Insurance Act (12 U.S.C. 1821(a)(1)) is amended by striking subparagraph (B) and inserting the following: ``(B) Net amount of insured deposit.-- ``(i) In general.--The net amount due to any depositor at an insured depository institution shall not exceed the sum of-- ``(I) the standard maximum deposit insurance amount as determined in accordance with subparagraphs (C), (D), (E), and (F) and paragraph (3); and ``(II) the net amount under clause (ii). ``(ii) Insurance for noninterest-bearing transaction accounts.-- ``(I) In general.--Except as provided in subclause (IV), not later than the end of the 6-month period beginning on the date of enactment of this clause, the Corporation shall insure the net amount that any depositor maintains, in the aggregate, in 1 or more noninterest-bearing transaction accounts at an insured depository institution, in the amount determined under subclause (II). ``(II) Insured amount.--The Corporation shall issue a rule to establish the maximum amount for insurance described in subclause (I), which shall be in an amount that is-- ``(aa) not less than the standard maximum deposit insurance amount on the date such rule is issued; ``(bb) not more than $5,000,000; and ``(cc) based on considerations of enhancing the financial stability of the banking system, promoting economic growth, and providing for the safety of the Deposit Insurance Fund. ``(III) Aggregation.--For the purpose of determining the net amount due to any depositor under subclause (I), the Corporation shall aggregate the amounts of all deposits in noninterest-bearing transaction accounts at insured depository institutions that are subsidiaries of a single depository institution holding company. ``(IV) Exclusion.-- ``(aa) Definition.--In this subclause, the term `foreign bank' does not include any bank organized under the laws of any territory of the United States, Puerto Rico, Guam, American Samoa, or the Virgin Islands, the deposits of which are insured by the Corporation pursuant to this Act. ``(bb) Exclusion.--The Corporation may not insure under subclause (I) amounts maintained at-- ``(AA) any insured depository institution that is a subsidiary of a bank holding company that is identified as a global systemically important BHC under section 217.402 of title 12, Code of Federal Regulations (or any successor regulation); or ``(BB) any insured branch of a foreign bank. ``(cc) Rule of construction.--Nothing in this subclause may be construed to exclude any insured depository institution described in subitem (AA) from the standard maximum deposit insurance amount described in clause (i)(I). ``(V) No subsequent adjustments.-- After the Corporation issues a rule pursuant to subclause (II), the amount of insurance provided under subclause (I) may not subsequently be modified or repealed except by an Act of Congress.''. (2) Technical and conforming amendment.--Section 3(m) of the Federal Deposit Insurance Act (12 U.S.C. 1813(m)) is amended-- (A) in paragraph (1), by inserting ``, including deposits in a noninterest-bearing transaction account,'' after ``deposits''; and (B) by adding at the end the following: ``(5) Noninterest-bearing transaction account.--The term `noninterest-bearing transaction account' means a deposit or account maintained at an insured depository institution-- ``(A) with respect to which interest is neither accrued nor paid; ``(B) on which the depositor or account holder is permitted to make withdrawals by negotiable or transferable instrument, payment orders of withdrawal, telephone or other electronic media transfers, or other similar items for the purpose of making payments or transfers to third parties or others; and ``(C) on which the insured depository institution does not reserve the right to require advance notice of an intended withdrawal.''. (3) Assessments.--During the transition period under subsection (c), no insured depository institution with total assets of $10,000,000,000 or less shall be required to pay-- (A) any special assessment under section 7(b)(5) or 13(c)(4)(G) of the Federal Deposit Insurance Act (12 U.S.C. 1817(b)(5), 1823(c)(4)(G)) as a condition to insurance on a noninterest-bearing transaction account, as defined in paragraph (5) of section 3(m) of the Federal Deposit Insurance Act (12 U.S.C. 1813(m)), as added by paragraph (2) of this subsection; or (B) any increase in assessments under section 7(b)(2) of the Federal Deposit Insurance Act (12 U.S.C. 1817(b)(2)) solely to offset any impact on the reserve ratio arising out of the extension of insurance to noninterest-bearing transaction accounts in excess of the standard maximum deposit insurance amount as determined in accordance with subparagraphs (C), (D), (E), and (F) of paragraph (1) and paragraph (3) of section 11(a) of that Act (12 U.S.C. 1821(a)). (b) Credit Unions.-- (1) In general.--Section 207(k)(1)(A) of the Federal Credit Union Act (12 U.S.C. 1787(k)(1)(A)) is amended-- (A) by striking ``Subject to the provisions of paragraph (2), the net amount'' and inserting the following: ``(i) Net amount of insurance payable.-- Subject to clause (ii) and the provisions of paragraph (2), the net amount''; and (B) by adding at the end the following: ``(ii) Insurance for noninterest-bearing transaction accounts.-- ``(I) In general.--Notwithstanding clause (i), the Board shall insure the net amount that any member, or any person with funds lawfully held in a member account, maintains, in the aggregate, in 1 or more noninterest- bearing transaction accounts at an insured credit union. ``(II) Insured amount.--The maximum amount for insurance described in subclause (I) shall be the maximum amount determined in the rule issued by the Federal Deposit Insurance Corporation pursuant to section 11(a)(1)(B)(ii)(II) of the Federal Deposit Insurance Act (12 U.S.C. 1821(a)(1)(B)(ii)(II)). ``(III) Exclusion.--The amount described in subclause (I) shall not be taken into account when computing the net amount due to a member, or to any person with funds lawfully held in a member account, described in that subclause under clause (i).''. (2) Technical and conforming amendments.--Section 101 of the Federal Credit Union Act (12 U.S.C. 1752) is amended-- (A) in paragraph (5), by inserting ``such terms mean a noninterest-bearing transaction account,'' after ``Act,''; (B) in paragraph (8), by striking ``and'' at the end; (C) in paragraph (9), by striking the period at the end and inserting ``; and''; and (D) by adding at the end the following: ``(10) The term `noninterest-bearing transaction account' means an account of a member, or nonmember that is eligible to maintain an insured account, maintained at an insured credit union-- ``(A) with respect to which interest is neither accrued nor paid; ``(B) on which the member or account holder is permitted to make withdrawals by negotiable or transferable instrument, payment orders of withdrawal, telephone or other electronic media transfers, or other similar items for the purpose of making payments or transfers to third parties or others; and ``(C) on which the insured credit union does not reserve the right to require advance notice of an intended withdrawal.''. (c) Transition Period.-- (1) Depository institutions.-- (A) In general.--Notwithstanding any other provision of law, insured deposits in noninterest- bearing transaction accounts, as described in clause (ii) of section 11(a)(1)(B) of the Federal Deposit Insurance Act (12 U.S.C. 1821(a)(1)(B)), as added by subsection (a)(1) of this section, shall be included in the determination of the value of the estimated insured deposits described in sections 3(y)(3) and 7(b)(3)(B) of that Act (12 U.S.C. 1813(y)(3), 1817(b)(3)(B)) in accordance with the plan required under subparagraph (B). (B) Plan.--Not later than 1 year after the date of enactment of this Act, the Federal Deposit Insurance Corporation shall publish in the Federal Register a plan for gradually increasing, during the period ending on the date that is 10 years after the date of enactment of this Act, the portion of insured deposits described in subparagraph (A) in the determination described in that subparagraph, reaching 100 percent at the end of the period. (2) Credit unions.-- (A) In general.--Notwithstanding any other provision of law, insured shares in noninterest-bearing transaction accounts, as described in clause (ii) of section 207(k)(1)(A) of the Federal Credit Union Act (12 U.S.C. 1787(k)(1)(A)), as added by subsection (b)(1) of this section, shall be included in the determination of the value of the aggregate amount of the insured shares, as defined in section 202(h) of that Act (12 U.S.C. 1782(h)), in accordance with the plan required under subparagraph (B). (B) Plan.--Not later than 1 year after the date of enactment of this Act, the National Credit Union Administration Board shall publish in the Federal Register a plan for gradually increasing, during the period ending on the date that is 10 years after the date of enactment of this Act, the portion of insured shares described in subparagraph (A) in the determination described in that subparagraph, reaching 100 percent at the end of the period. (C) Regulations.--The National Credit Union Administration Board may promulgate regulations to ensure that the National Credit Union Share Insurance Fund remains well-capitalized. (d) Regulations.--The Federal Deposit Insurance Corporation and the National Credit Union Administration Board may promulgate regulations carrying out the amendments made by this section, including prohibiting insured depository institutions, as defined in section 3 of the Federal Deposit Insurance Act (12 U.S.C. 1813), insured credit unions, as defined in section 101 of the Federal Credit Union Act (12 U.S.C. 1752), and third parties, as applicable, from evading the limitation of insurance established under those amendments to only-- (1) noninterest-bearing transaction accounts; (2) deposits or accounts at insured depository institutions not excluded under clause (ii)(IV) of section 11(a)(1)(B) of the Federal Deposit Insurance Act (12 U.S.C. 1821(a)(1)(B)), as added by subsection (a) of this section; and (3) shares, deposits, or accounts at insured credit unions. <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\": \"Ustawa o ochronie deponentów – wyższe ubezpieczenie kont bezodsetkowych\",\n  \"pl_summary\": \"Ustawa zwiększa ochronę pieniędzy na kontach bankowych, które nie przynoszą odsetek, podnosząc limit ubezpieczenia nawet do 5 milionów dolarów. Zmiany te mają na celu zwiększenie bezpieczeństwa oszczędności obywateli i stabilność mniejszych banków oraz spółdzielczych kas oszczędnościowych.\",\n  \"pl_key_points\": [\n    \"Podniesienie limitu ubezpieczenia dla kont bezodsetkowych do kwoty między 250 tys. a 5 mln dolarów.\",\n    \"Nowe zasady dotyczą zarówno banków, jak i spółdzielczych kas oszczędnościowych (credit unions).\",\n    \"Z ochrony wyłączone są największe, globalne banki systemowe oraz oddziały banków zagranicznych.\",\n    \"Małe banki (do 10 mld dolarów aktywów) nie będą obciążone dodatkowymi opłatami za to ubezpieczenie w okresie przejściowym.\",\n    \"Pełne wdrożenie nowych przepisów i funduszy zabezpieczających potrwa 10 lat.\"\n  ],\n  \"eng_ai_title\": \"Main Street Depositor Protection Act – Higher Insurance for Checking Accounts\",\n  \"eng_summary\": \"This bill increases the insurance limit for non-interest-bearing bank accounts, potentially protecting up to $5 million of your deposits. It aims to strengthen financial stability and protect savings in local banks and credit unions.\",\n  \"eng_key_points\": [\n    \"Increases insurance for non-interest-bearing accounts to a maximum of $5 million.\",\n    \"Applies to both traditional banks and credit unions.\",\n    \"Excludes global 'too big to fail' banks and foreign bank branches from this specific extra coverage.\",\n    \"Small banks with assets under $10 billion are exempt from certain fees for this insurance during the transition.\",\n    \"The new system will be phased in gradually over a 10-year period.\"\n  ],\n  \"de_ai_title\": \"Main Street Depositor Protection Act – Höhere Absicherung für Girokonten\",\n  \"de_summary\": \"Dieses Gesetz erhöht den Versicherungsschutz für unverzinste Bankkonten auf bis zu 5 Millionen Dollar. Es soll die Ersparnisse der Bürger besser schützen und die Stabilität kleinerer Banken und Kreditgenossenschaften stärken.\",\n  \"de_key_points\": [\n    \"Erhöhung der Einlagensicherung für zinslose Konten auf bis zu 5 Millionen Dollar.\",\n    \"Gilt sowohl für Banken als auch für Kreditgenossenschaften.\",\n    \"Ausgenommen sind globale Großbanken und Zweigstellen ausländischer Banken.\",\n    \"Kleine Banken werden während der Übergangsphase von zusätzlichen Gebühren für diese Versicherung befreit.\",\n    \"Die vollständige Umsetzung der neuen Regelungen erfolgt schrittweise über einen Zeitraum von 10 Jahren.\"\n  ],\n  \"fr_ai_title\": \"Loi sur la protection des déposants – Assurance accrue pour les comptes courants\",\n  \"fr_summary\": \"Ce projet de loi augmente le plafond d'assurance pour les comptes bancaires ne rapportant pas d'intérêts, protégeant jusqu'à 5 millions de dollars de dépôts. Il vise à renforcer la sécurité financière des citoyens et la stabilité des banques locales.\",\n  \"fr_key_points\": [\n    \"Augmentation de l'assurance des dépôts pour les comptes sans intérêt jusqu'à 5 millions de dollars.\",\n    \"S'applique aux banques et aux coopératives de crédit.\",\n    \"Exclut les grandes banques d'importance systémique mondiale et les succursales étrangères.\",\n    \"Les petites banques bénéficient d'une dispense de frais supplémentaires pendant la phase de transition.\",\n    \"Le nouveau système sera mis en place progressivement sur une période de 10 ans.\"\n  ],\n  \"es_ai_title\": \"Ley de Protección de Depositantes – Mayor seguro para cuentas sin intereses\",\n  \"es_summary\": \"Esta ley aumenta el límite de seguro para las cuentas bancarias que no generan intereses, protegiendo hasta 5 millones de dólares. Busca mejorar la seguridad de los ahorros y la estabilidad de los bancos locales y cooperativas de crédito.\",\n  \"es_key_points\": [\n    \"Incremento del seguro de depósitos para cuentas sin intereses hasta un máximo de 5 millones de dólares.\",\n    \"La medida cubre tanto a bancos como a cooperativas de crédito.\",\n    \"Se excluyen los grandes bancos globales de importancia sistémica y sucursales extranjeras.\",\n    \"Los bancos pequeños no pagarán cuotas especiales por este seguro durante el periodo de transición.\",\n    \"La implementación total de los nuevos fondos de garantía se realizará en un plazo de 10 años.\"\n  ],\n  \"it_ai_title\": \"Legge sulla protezione dei depositanti – Assicurazione maggiorata per i conti correnti\",\n  \"it_summary\": \"Questa legge aumenta il limite di assicurazione per i conti bancari infruttiferi, proteggendo depositi fino a 5 milioni di dollari. L'obiettivo è rafforzare la sicurezza dei risparmi e la stabilità delle banche locali.\",\n  \"it_key_points\": [\n    \"Aumento della copertura assicurativa per i conti senza interessi fino a 5 milioni di dollari.\",\n    \"La norma si applica sia alle banche che alle unioni di credito.\",\n    \"Sono esclusi i grandi gruppi bancari globali e le filiali di banche estere.\",\n    \"Le piccole banche sono esentate da costi aggiuntivi per questa copertura durante la fase di transizione.\",\n    \"Il piano di attuazione prevede un periodo di transizione graduale di 10 anni.\"\n  ],\n  \"nl_ai_title\": \"Wet Bescherming Depositanten – Hogere verzekering voor renteloze rekeningen\",\n  \"nl_summary\": \"Deze wet verhoogt de verzekeringslimiet voor bankrekeningen die geen rente opleveren tot maximaal 5 miljoen dollar. Het doel is om de spaartegoeden van burgers beter te beschermen en de stabiliteit van lokale banken te vergroten.\",\n  \"nl_key_points\": [\n    \"Verhoging van de depositogarantie voor renteloze rekeningen tot 5 miljoen dollar.\",\n    \"Geldt voor zowel banken als kredietunies.\",\n    \"Grote wereldwijde systeembanken en buitenlandse bankfilialen zijn uitgesloten van deze extra dekking.\",\n    \"Kleine banken hoeven tijdens de overgangsperiode geen extra kosten te betalen voor deze verzekering.\",\n    \"De volledige invoering van de nieuwe regels wordt over een periode van 10 jaar uitgespreid.\"\n  ],\n  \"pt_ai_title\": \"Lei de Proteção de Depositantes – Seguro reforçado para contas sem juros\",\n  \"pt_summary\": \"Esta lei aumenta o limite do seguro para contas bancárias que não rendem juros, protegendo depósitos até 5 milhões de dólares. O objetivo é aumentar a segurança das poupanças e a estabilidade dos bancos locais.\",\n  \"pt_key_points\": [\n    \"Aumento do seguro de depósitos para contas sem juros até um máximo de 5 milhões de dólares.\",\n    \"A medida aplica-se a bancos e cooperativas de crédito.\",\n    \"Excluem-se os grandes bancos de importância sistémica global e sucursais de bancos estrangeiros.\",\n    \"Bancos pequenos estão isentos de taxas adicionais por este seguro durante o período de transição.\",\n    \"A implementação total do novo sistema de proteção será feita gradualmente ao longo de 10 anos.\"\n  ],\n  \"category\": [\"Economy\"]\n}"
    },
    {
      "timestamp": "2026-04-13T14:09:45.554Z",
      "source_url": "https://www.congress.gov/119/bills/hr8087/BILLS-119hr8087ih.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. 8087 Introduced in House (IH)] <DOC> 119th CONGRESS 2d Session H. R. 8087 To amend the Federal Deposit Insurance Act to provide deposit insurance for noninterest-bearing transaction accounts, and for other purposes. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES March 25, 2026 Mr. Lucas introduced the following bill; which was referred to the Committee on Financial Services _______________________________________________________________________ A BILL To amend the Federal Deposit Insurance Act to provide deposit insurance for noninterest-bearing transaction accounts, 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 ``Main Street Depositor Protection Act''. SEC. 2. TRANSACTION ACCOUNT INSURANCE. (a) Depository Institutions.-- (1) In general.--Section 11(a)(1) of the Federal Deposit Insurance Act (12 U.S.C. 1821(a)(1)) is amended by striking subparagraph (B) and inserting the following: ``(B) Net amount of insured deposit.-- ``(i) In general.--The net amount due to any depositor at an insured depository institution shall not exceed the sum of-- ``(I) the standard maximum deposit insurance amount as determined in accordance with subparagraphs (C), (D), (E), and (F) and paragraph (3); and ``(II) the net amount under clause (ii). ``(ii) Insurance for noninterest-bearing transaction accounts.-- ``(I) In general.--Except as provided in subclause (IV), not later than the end of the 6-month period beginning on the date of enactment of this clause, the Corporation shall insure the net amount that any depositor maintains, in the aggregate, in 1 or more noninterest-bearing transaction accounts at an insured depository institution, in the amount determined under subclause (II). ``(II) Insured amount.--The Corporation shall issue a rule to establish the maximum amount for insurance described in subclause (I), which shall be in an amount that is-- ``(aa) not less than the standard maximum deposit insurance amount on the date such rule is issued; ``(bb) not more than $5,000,000; and ``(cc) based on considerations of enhancing the financial stability of the banking system, promoting economic growth, and providing for the safety of the Deposit Insurance Fund. ``(III) Aggregation.--For the purpose of determining the net amount due to any depositor under subclause (I), the Corporation shall aggregate the amounts of all deposits in noninterest-bearing transaction accounts at insured depository institutions that are subsidiaries of a single depository institution holding company. ``(IV) Exclusion.-- ``(aa) Definition.--In this subclause, the term `foreign bank' does not include any bank organized under the laws of any territory of the United States, Puerto Rico, Guam, American Samoa, or the Virgin Islands, the deposits of which are insured by the Corporation pursuant to this Act. ``(bb) Exclusion.--The Corporation may not insure under subclause (I) amounts maintained at-- ``(AA) any insured depository institution that is a subsidiary of a bank holding company that is identified as a global systemically important BHC under section 217.402 of title 12, Code of Federal Regulations (or any successor regulation); or ``(BB) any insured branch of a foreign bank. ``(cc) Rule of construction.--Nothing in this subclause may be construed to exclude any insured depository institution described in subitem (AA) from the standard maximum deposit insurance amount described in clause (i)(I). ``(V) No subsequent adjustments.-- After the Corporation issues a rule pursuant to subclause (II), the amount of insurance provided under subclause (I) may not subsequently be modified or repealed except by an Act of Congress.''. (2) Technical and conforming amendment.--Section 3(m) of the Federal Deposit Insurance Act (12 U.S.C. 1813(m)) is amended-- (A) in paragraph (1), by inserting ``, including deposits in a noninterest-bearing transaction account,'' after ``deposits''; and (B) by adding at the end the following: ``(5) Noninterest-bearing transaction account.--The term `noninterest-bearing transaction account' means a deposit or account maintained at an insured depository institution-- ``(A) with respect to which interest is neither accrued nor paid; ``(B) on which the depositor or account holder is permitted to make withdrawals by negotiable or transferable instrument, payment orders of withdrawal, telephone or other electronic media transfers, or other similar items for the purpose of making payments or transfers to third parties or others; and ``(C) on which the insured depository institution does not reserve the right to require advance notice of an intended withdrawal.''. (3) Assessments.--During the transition period under subsection (c), no insured depository institution with total assets of $10,000,000,000 or less shall be required to pay-- (A) any special assessment under section 7(b)(5) or 13(c)(4)(G) of the Federal Deposit Insurance Act (12 U.S.C. 1817(b)(5), 1823(c)(4)(G)) as a condition to insurance on a noninterest-bearing transaction account, as defined in paragraph (5) of section 3(m) of the Federal Deposit Insurance Act (12 U.S.C. 1813(m)), as added by paragraph (2) of this subsection; or (B) any increase in assessments under section 7(b)(2) of the Federal Deposit Insurance Act (12 U.S.C. 1817(b)(2)) solely to offset any impact on the reserve ratio arising out of the extension of insurance to noninterest-bearing transaction accounts in excess of the standard maximum deposit insurance amount as determined in accordance with subparagraphs (C), (D), (E), and (F) of paragraph (1) and paragraph (3) of section 11(a) of that Act (12 U.S.C. 1821(a)). (b) Credit Unions.-- (1) In general.--Section 207(k)(1)(A) of the Federal Credit Union Act (12 U.S.C. 1787(k)(1)(A)) is amended-- (A) by striking ``Subject to the provisions of paragraph (2), the net amount'' and inserting the following: ``(i) Net amount of insurance payable.-- Subject to clause (ii) and the provisions of paragraph (2), the net amount''; and (B) by adding at the end the following: ``(ii) Insurance for noninterest-bearing transaction accounts.-- ``(I) In general.--Notwithstanding clause (i), the Board shall insure the net amount that any member, or any person with funds lawfully held in a member account, maintains, in the aggregate, in 1 or more noninterest- bearing transaction accounts at an insured credit union. ``(II) Insured amount.--The maximum amount for insurance described in subclause (I) shall be the maximum amount determined in the rule issued by the Federal Deposit Insurance Corporation pursuant to section 11(a)(1)(B)(ii)(II) of the Federal Deposit Insurance Act (12 U.S.C. 1821(a)(1)(B)(ii)(II)). ``(III) Exclusion.--The amount described in subclause (I) shall not be taken into account when computing the net amount due to a member, or to any person with funds lawfully held in a member account, described in that subclause under clause (i).''. (2) Technical and conforming amendments.--Section 101 of the Federal Credit Union Act (12 U.S.C. 1752) is amended-- (A) in paragraph (5), by inserting ``such terms mean a noninterest-bearing transaction account,'' after ``Act,''; (B) in paragraph (8), by striking ``and'' at the end; (C) in paragraph (9), by striking the period at the end and inserting ``; and''; and (D) by adding at the end the following: ``(10) The term `noninterest-bearing transaction account' means an account of a member, or nonmember that is eligible to maintain an insured account, maintained at an insured credit union-- ``(A) with respect to which interest is neither accrued nor paid; ``(B) on which the member or account holder is permitted to make withdrawals by negotiable or transferable instrument, payment orders of withdrawal, telephone or other electronic media transfers, or other similar items for the purpose of making payments or transfers to third parties or others; and ``(C) on which the insured credit union does not reserve the right to require advance notice of an intended withdrawal.''. (c) Transition Period.-- (1) Depository institutions.-- (A) In general.--Notwithstanding any other provision of law, insured deposits in noninterest- bearing transaction accounts, as described in clause (ii) of section 11(a)(1)(B) of the Federal Deposit Insurance Act (12 U.S.C. 1821(a)(1)(B)), as added by subsection (a)(1) of this section, shall be included in the determination of the value of the estimated insured deposits described in sections 3(y)(3) and 7(b)(3)(B) of that Act (12 U.S.C. 1813(y)(3), 1817(b)(3)(B)) in accordance with the plan required under subparagraph (B). (B) Plan.--Not later than 1 year after the date of enactment of this Act, the Federal Deposit Insurance Corporation shall publish in the Federal Register a plan for gradually increasing, during the period ending on the date that is 10 years after the date of enactment of this Act, the portion of insured deposits described in subparagraph (A) in the determination described in that subparagraph, reaching 100 percent at the end of the period. (2) Credit unions.-- (A) In general.--Notwithstanding any other provision of law, insured shares in noninterest-bearing transaction accounts, as described in clause (ii) of section 207(k)(1)(A) of the Federal Credit Union Act (12 U.S.C. 1787(k)(1)(A)), as added by subsection (b)(1) of this section, shall be included in the determination of the value of the aggregate amount of the insured shares, as defined in section 202(h) of that Act (12 U.S.C. 1782(h)), in accordance with the plan required under subparagraph (B). (B) Plan.--Not later than 1 year after the date of enactment of this Act, the National Credit Union Administration Board shall publish in the Federal Register a plan for gradually increasing, during the period ending on the date that is 10 years after the date of enactment of this Act, the portion of insured shares described in subparagraph (A) in the determination described in that subparagraph, reaching 100 percent at the end of the period. (C) Regulations.--The National Credit Union Administration Board may promulgate regulations to ensure that the National Credit Union Share Insurance Fund remains well-capitalized. (d) Regulations.--The Federal Deposit Insurance Corporation and the National Credit Union Administration Board may promulgate regulations carrying out the amendments made by this section, including prohibiting insured depository institutions, as defined in section 3 of the Federal Deposit Insurance Act (12 U.S.C. 1813), insured credit unions, as defined in section 101 of the Federal Credit Union Act (12 U.S.C. 1752), and third parties, as applicable, from evading the limitation of insurance established under those amendments to only-- (1) noninterest-bearing transaction accounts; (2) deposits or accounts at insured depository institutions not excluded under clause (ii)(IV) of section 11(a)(1)(B) of the Federal Deposit Insurance Act (12 U.S.C. 1821(a)(1)(B)), as added by subsection (a) of this section; and (3) shares, deposits, or accounts at insured credit unions. <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\": \"Ustawa o ochronie deponentów – wyższe ubezpieczenie kont bezodsetkowych\",\n  \"pl_summary\": \"Ustawa zwiększa ochronę pieniędzy na kontach bankowych, które nie przynoszą odsetek, podnosząc limit ubezpieczenia nawet do 5 milionów dolarów. Zmiany te mają na celu zwiększenie bezpieczeństwa oszczędności obywateli i stabilność mniejszych banków oraz spółdzielczych kas oszczędnościowych.\",\n  \"pl_key_points\": [\n    \"Podniesienie limitu ubezpieczenia dla kont bezodsetkowych do kwoty między 250 tys. a 5 mln dolarów.\",\n    \"Nowe zasady dotyczą zarówno banków, jak i spółdzielczych kas oszczędnościowych (credit unions).\",\n    \"Z ochrony wyłączone są największe, globalne banki systemowe oraz oddziały banków zagranicznych.\",\n    \"Małe banki (do 10 mld dolarów aktywów) nie będą obciążone dodatkowymi opłatami za to ubezpieczenie w okresie przejściowym.\",\n    \"Pełne wdrożenie nowych przepisów i funduszy zabezpieczających potrwa 10 lat.\"\n  ],\n  \"eng_ai_title\": \"Main Street Depositor Protection Act – Higher Insurance for Checking Accounts\",\n  \"eng_summary\": \"This bill increases the insurance limit for non-interest-bearing bank accounts, potentially protecting up to $5 million of your deposits. It aims to strengthen financial stability and protect savings in local banks and credit unions.\",\n  \"eng_key_points\": [\n    \"Increases insurance for non-interest-bearing accounts to a maximum of $5 million.\",\n    \"Applies to both traditional banks and credit unions.\",\n    \"Excludes global 'too big to fail' banks and foreign bank branches from this specific extra coverage.\",\n    \"Small banks with assets under $10 billion are exempt from certain fees for this insurance during the transition.\",\n    \"The new system will be phased in gradually over a 10-year period.\"\n  ],\n  \"de_ai_title\": \"Main Street Depositor Protection Act – Höhere Absicherung für Girokonten\",\n  \"de_summary\": \"Dieses Gesetz erhöht den Versicherungsschutz für unverzinste Bankkonten auf bis zu 5 Millionen Dollar. Es soll die Ersparnisse der Bürger besser schützen und die Stabilität kleinerer Banken und Kreditgenossenschaften stärken.\",\n  \"de_key_points\": [\n    \"Erhöhung der Einlagensicherung für zinslose Konten auf bis zu 5 Millionen Dollar.\",\n    \"Gilt sowohl für Banken als auch für Kreditgenossenschaften.\",\n    \"Ausgenommen sind globale Großbanken und Zweigstellen ausländischer Banken.\",\n    \"Kleine Banken werden während der Übergangsphase von zusätzlichen Gebühren für diese Versicherung befreit.\",\n    \"Die vollständige Umsetzung der neuen Regelungen erfolgt schrittweise über einen Zeitraum von 10 Jahren.\"\n  ],\n  \"fr_ai_title\": \"Loi sur la protection des déposants – Assurance accrue pour les comptes courants\",\n  \"fr_summary\": \"Ce projet de loi augmente le plafond d'assurance pour les comptes bancaires ne rapportant pas d'intérêts, protégeant jusqu'à 5 millions de dollars de dépôts. Il vise à renforcer la sécurité financière des citoyens et la stabilité des banques locales.\",\n  \"fr_key_points\": [\n    \"Augmentation de l'assurance des dépôts pour les comptes sans intérêt jusqu'à 5 millions de dollars.\",\n    \"S'applique aux banques et aux coopératives de crédit.\",\n    \"Exclut les grandes banques d'importance systémique mondiale et les succursales étrangères.\",\n    \"Les petites banques bénéficient d'une dispense de frais supplémentaires pendant la phase de transition.\",\n    \"Le nouveau système sera mis en place progressivement sur une période de 10 ans.\"\n  ],\n  \"es_ai_title\": \"Ley de Protección de Depositantes – Mayor seguro para cuentas sin intereses\",\n  \"es_summary\": \"Esta ley aumenta el límite de seguro para las cuentas bancarias que no generan intereses, protegiendo hasta 5 millones de dólares. Busca mejorar la seguridad de los ahorros y la estabilidad de los bancos locales y cooperativas de crédito.\",\n  \"es_key_points\": [\n    \"Incremento del seguro de depósitos para cuentas sin intereses hasta un máximo de 5 millones de dólares.\",\n    \"La medida cubre tanto a bancos como a cooperativas de crédito.\",\n    \"Se excluyen los grandes bancos globales de importancia sistémica y sucursales extranjeras.\",\n    \"Los bancos pequeños no pagarán cuotas especiales por este seguro durante el periodo de transición.\",\n    \"La implementación total de los nuevos fondos de garantía se realizará en un plazo de 10 años.\"\n  ],\n  \"it_ai_title\": \"Legge sulla protezione dei depositanti – Assicurazione maggiorata per i conti correnti\",\n  \"it_summary\": \"Questa legge aumenta il limite di assicurazione per i conti bancari infruttiferi, proteggendo depositi fino a 5 milioni di dollari. L'obiettivo è rafforzare la sicurezza dei risparmi e la stabilità delle banche locali.\",\n  \"it_key_points\": [\n    \"Aumento della copertura assicurativa per i conti senza interessi fino a 5 milioni di dollari.\",\n    \"La norma si applica sia alle banche che alle unioni di credito.\",\n    \"Sono esclusi i grandi gruppi bancari globali e le filiali di banche estere.\",\n    \"Le piccole banche sono esentate da costi aggiuntivi per questa copertura durante la fase di transizione.\",\n    \"Il piano di attuazione prevede un periodo di transizione graduale di 10 anni.\"\n  ],\n  \"nl_ai_title\": \"Wet Bescherming Depositanten – Hogere verzekering voor renteloze rekeningen\",\n  \"nl_summary\": \"Deze wet verhoogt de verzekeringslimiet voor bankrekeningen die geen rente opleveren tot maximaal 5 miljoen dollar. Het doel is om de spaartegoeden van burgers beter te beschermen en de stabiliteit van lokale banken te vergroten.\",\n  \"nl_key_points\": [\n    \"Verhoging van de depositogarantie voor renteloze rekeningen tot 5 miljoen dollar.\",\n    \"Geldt voor zowel banken als kredietunies.\",\n    \"Grote wereldwijde systeembanken en buitenlandse bankfilialen zijn uitgesloten van deze extra dekking.\",\n    \"Kleine banken hoeven tijdens de overgangsperiode geen extra kosten te betalen voor deze verzekering.\",\n    \"De volledige invoering van de nieuwe regels wordt over een periode van 10 jaar uitgespreid.\"\n  ],\n  \"pt_ai_title\": \"Lei de Proteção de Depositantes – Seguro reforçado para contas sem juros\",\n  \"pt_summary\": \"Esta lei aumenta o limite do seguro para contas bancárias que não rendem juros, protegendo depósitos até 5 milhões de dólares. O objetivo é aumentar a segurança das poupanças e a estabilidade dos bancos locais.\",\n  \"pt_key_points\": [\n    \"Aumento do seguro de depósitos para contas sem juros até um máximo de 5 milhões de dólares.\",\n    \"A medida aplica-se a bancos e cooperativas de crédito.\",\n    \"Excluem-se os grandes bancos de importância sistémica global e sucursais de bancos estrangeiros.\",\n    \"Bancos pequenos estão isentos de taxas adicionais por este seguro durante o período de transição.\",\n    \"A implementação total do novo sistema de proteção será feita gradualmente ao longo de 10 anos.\"\n  ],\n  \"category\": [\"Economy\"]\n}"
    },
    {
      "timestamp": "2026-04-13T14:09:32.909Z",
      "source_url": "https://www.congress.gov/119/bills/hr8087/BILLS-119hr8087ih.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. 8087 Introduced in House (IH)] <DOC> 119th CONGRESS 2d Session H. R. 8087 To amend the Federal Deposit Insurance Act to provide deposit insurance for noninterest-bearing transaction accounts, and for other purposes. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES March 25, 2026 Mr. Lucas introduced the following bill; which was referred to the Committee on Financial Services _______________________________________________________________________ A BILL To amend the Federal Deposit Insurance Act to provide deposit insurance for noninterest-bearing transaction accounts, 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 ``Main Street Depositor Protection Act''. SEC. 2. TRANSACTION ACCOUNT INSURANCE. (a) Depository Institutions.-- (1) In general.--Section 11(a)(1) of the Federal Deposit Insurance Act (12 U.S.C. 1821(a)(1)) is amended by striking subparagraph (B) and inserting the following: ``(B) Net amount of insured deposit.-- ``(i) In general.--The net amount due to any depositor at an insured depository institution shall not exceed the sum of-- ``(I) the standard maximum deposit insurance amount as determined in accordance with subparagraphs (C), (D), (E), and (F) and paragraph (3); and ``(II) the net amount under clause (ii). ``(ii) Insurance for noninterest-bearing transaction accounts.-- ``(I) In general.--Except as provided in subclause (IV), not later than the end of the 6-month period beginning on the date of enactment of this clause, the Corporation shall insure the net amount that any depositor maintains, in the aggregate, in 1 or more noninterest-bearing transaction accounts at an insured depository institution, in the amount determined under subclause (II). ``(II) Insured amount.--The Corporation shall issue a rule to establish the maximum amount for insurance described in subclause (I), which shall be in an amount that is-- ``(aa) not less than the standard maximum deposit insurance amount on the date such rule is issued; ``(bb) not more than $5,000,000; and ``(cc) based on considerations of enhancing the financial stability of the banking system, promoting economic growth, and providing for the safety of the Deposit Insurance Fund. ``(III) Aggregation.--For the purpose of determining the net amount due to any depositor under subclause (I), the Corporation shall aggregate the amounts of all deposits in noninterest-bearing transaction accounts at insured depository institutions that are subsidiaries of a single depository institution holding company. ``(IV) Exclusion.-- ``(aa) Definition.--In this subclause, the term `foreign bank' does not include any bank organized under the laws of any territory of the United States, Puerto Rico, Guam, American Samoa, or the Virgin Islands, the deposits of which are insured by the Corporation pursuant to this Act. ``(bb) Exclusion.--The Corporation may not insure under subclause (I) amounts maintained at-- ``(AA) any insured depository institution that is a subsidiary of a bank holding company that is identified as a global systemically important BHC under section 217.402 of title 12, Code of Federal Regulations (or any successor regulation); or ``(BB) any insured branch of a foreign bank. ``(cc) Rule of construction.--Nothing in this subclause may be construed to exclude any insured depository institution described in subitem (AA) from the standard maximum deposit insurance amount described in clause (i)(I). ``(V) No subsequent adjustments.-- After the Corporation issues a rule pursuant to subclause (II), the amount of insurance provided under subclause (I) may not subsequently be modified or repealed except by an Act of Congress.''. (2) Technical and conforming amendment.--Section 3(m) of the Federal Deposit Insurance Act (12 U.S.C. 1813(m)) is amended-- (A) in paragraph (1), by inserting ``, including deposits in a noninterest-bearing transaction account,'' after ``deposits''; and (B) by adding at the end the following: ``(5) Noninterest-bearing transaction account.--The term `noninterest-bearing transaction account' means a deposit or account maintained at an insured depository institution-- ``(A) with respect to which interest is neither accrued nor paid; ``(B) on which the depositor or account holder is permitted to make withdrawals by negotiable or transferable instrument, payment orders of withdrawal, telephone or other electronic media transfers, or other similar items for the purpose of making payments or transfers to third parties or others; and ``(C) on which the insured depository institution does not reserve the right to require advance notice of an intended withdrawal.''. (3) Assessments.--During the transition period under subsection (c), no insured depository institution with total assets of $10,000,000,000 or less shall be required to pay-- (A) any special assessment under section 7(b)(5) or 13(c)(4)(G) of the Federal Deposit Insurance Act (12 U.S.C. 1817(b)(5), 1823(c)(4)(G)) as a condition to insurance on a noninterest-bearing transaction account, as defined in paragraph (5) of section 3(m) of the Federal Deposit Insurance Act (12 U.S.C. 1813(m)), as added by paragraph (2) of this subsection; or (B) any increase in assessments under section 7(b)(2) of the Federal Deposit Insurance Act (12 U.S.C. 1817(b)(2)) solely to offset any impact on the reserve ratio arising out of the extension of insurance to noninterest-bearing transaction accounts in excess of the standard maximum deposit insurance amount as determined in accordance with subparagraphs (C), (D), (E), and (F) of paragraph (1) and paragraph (3) of section 11(a) of that Act (12 U.S.C. 1821(a)). (b) Credit Unions.-- (1) In general.--Section 207(k)(1)(A) of the Federal Credit Union Act (12 U.S.C. 1787(k)(1)(A)) is amended-- (A) by striking ``Subject to the provisions of paragraph (2), the net amount'' and inserting the following: ``(i) Net amount of insurance payable.-- Subject to clause (ii) and the provisions of paragraph (2), the net amount''; and (B) by adding at the end the following: ``(ii) Insurance for noninterest-bearing transaction accounts.-- ``(I) In general.--Notwithstanding clause (i), the Board shall insure the net amount that any member, or any person with funds lawfully held in a member account, maintains, in the aggregate, in 1 or more noninterest- bearing transaction accounts at an insured credit union. ``(II) Insured amount.--The maximum amount for insurance described in subclause (I) shall be the maximum amount determined in the rule issued by the Federal Deposit Insurance Corporation pursuant to section 11(a)(1)(B)(ii)(II) of the Federal Deposit Insurance Act (12 U.S.C. 1821(a)(1)(B)(ii)(II)). ``(III) Exclusion.--The amount described in subclause (I) shall not be taken into account when computing the net amount due to a member, or to any person with funds lawfully held in a member account, described in that subclause under clause (i).''. (2) Technical and conforming amendments.--Section 101 of the Federal Credit Union Act (12 U.S.C. 1752) is amended-- (A) in paragraph (5), by inserting ``such terms mean a noninterest-bearing transaction account,'' after ``Act,''; (B) in paragraph (8), by striking ``and'' at the end; (C) in paragraph (9), by striking the period at the end and inserting ``; and''; and (D) by adding at the end the following: ``(10) The term `noninterest-bearing transaction account' means an account of a member, or nonmember that is eligible to maintain an insured account, maintained at an insured credit union-- ``(A) with respect to which interest is neither accrued nor paid; ``(B) on which the member or account holder is permitted to make withdrawals by negotiable or transferable instrument, payment orders of withdrawal, telephone or other electronic media transfers, or other similar items for the purpose of making payments or transfers to third parties or others; and ``(C) on which the insured credit union does not reserve the right to require advance notice of an intended withdrawal.''. (c) Transition Period.-- (1) Depository institutions.-- (A) In general.--Notwithstanding any other provision of law, insured deposits in noninterest- bearing transaction accounts, as described in clause (ii) of section 11(a)(1)(B) of the Federal Deposit Insurance Act (12 U.S.C. 1821(a)(1)(B)), as added by subsection (a)(1) of this section, shall be included in the determination of the value of the estimated insured deposits described in sections 3(y)(3) and 7(b)(3)(B) of that Act (12 U.S.C. 1813(y)(3), 1817(b)(3)(B)) in accordance with the plan required under subparagraph (B). (B) Plan.--Not later than 1 year after the date of enactment of this Act, the Federal Deposit Insurance Corporation shall publish in the Federal Register a plan for gradually increasing, during the period ending on the date that is 10 years after the date of enactment of this Act, the portion of insured deposits described in subparagraph (A) in the determination described in that subparagraph, reaching 100 percent at the end of the period. (2) Credit unions.-- (A) In general.--Notwithstanding any other provision of law, insured shares in noninterest-bearing transaction accounts, as described in clause (ii) of section 207(k)(1)(A) of the Federal Credit Union Act (12 U.S.C. 1787(k)(1)(A)), as added by subsection (b)(1) of this section, shall be included in the determination of the value of the aggregate amount of the insured shares, as defined in section 202(h) of that Act (12 U.S.C. 1782(h)), in accordance with the plan required under subparagraph (B). (B) Plan.--Not later than 1 year after the date of enactment of this Act, the National Credit Union Administration Board shall publish in the Federal Register a plan for gradually increasing, during the period ending on the date that is 10 years after the date of enactment of this Act, the portion of insured shares described in subparagraph (A) in the determination described in that subparagraph, reaching 100 percent at the end of the period. (C) Regulations.--The National Credit Union Administration Board may promulgate regulations to ensure that the National Credit Union Share Insurance Fund remains well-capitalized. (d) Regulations.--The Federal Deposit Insurance Corporation and the National Credit Union Administration Board may promulgate regulations carrying out the amendments made by this section, including prohibiting insured depository institutions, as defined in section 3 of the Federal Deposit Insurance Act (12 U.S.C. 1813), insured credit unions, as defined in section 101 of the Federal Credit Union Act (12 U.S.C. 1752), and third parties, as applicable, from evading the limitation of insurance established under those amendments to only-- (1) noninterest-bearing transaction accounts; (2) deposits or accounts at insured depository institutions not excluded under clause (ii)(IV) of section 11(a)(1)(B) of the Federal Deposit Insurance Act (12 U.S.C. 1821(a)(1)(B)), as added by subsection (a) of this section; and (3) shares, deposits, or accounts at insured credit unions. <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\": \"Ustawa o ochronie depozytów: wyższe limity ubezpieczeń dla kont nieoprocentowanych\",\n  \"pl_summary\": \"Ustawa zwiększa ochronę pieniędzy na kontach bieżących, które nie przynoszą odsetek, podnosząc limit ubezpieczenia nawet do 5 milionów dolarów. Zmiany te mają na celu zwiększenie bezpieczeństwa oszczędności obywateli i stabilność mniejszych banków oraz spółdzielczych kas oszczędnościowych.\",\n  \"pl_key_points\": [\n    \"Podniesienie limitu ubezpieczenia dla kont nieoprocentowanych do kwoty od 250 tys. do 5 mln dolarów.\",\n    \"Nowa ochrona dotyczy zarówno banków, jak i spółdzielczych kas oszczędnościowych (credit unions).\",\n    \"Z rozszerzonej ochrony wyłączone są największe banki o znaczeniu globalnym oraz oddziały banków zagranicznych.\",\n    \"Małe banki (o aktywach do 10 mld dolarów) nie będą obciążane dodatkowymi opłatami za to ubezpieczenie w okresie przejściowym.\",\n    \"Wprowadzenie pełnych zmian zajmie 10 lat, aby system bankowy mógł się do nich bezpiecznie dostosować.\"\n  ],\n  \"eng_ai_title\": \"Main Street Depositor Protection Act: Higher Insurance for Non-Interest Accounts\",\n  \"eng_summary\": \"This Act increases the insurance coverage for non-interest-bearing checking accounts, potentially protecting up to $5 million per depositor. It aims to enhance financial stability and protect savings in local banks and credit unions.\",\n  \"eng_key_points\": [\n    \"Increases deposit insurance for non-interest-bearing accounts to a limit between $250,000 and $5,000,000.\",\n    \"Applies to both traditional insured banks and credit unions.\",\n    \"Excludes global systemically important banks (mega-banks) and foreign bank branches from this specific extra coverage.\",\n    \"Small financial institutions (under $10 billion in assets) are exempt from certain extra fees for this insurance during the transition.\",\n    \"Includes a 10-year phase-in period to gradually implement the full insurance funding requirements.\"\n  ],\n  \"de_ai_title\": \"Main Street Einlegerschutzgesetz: Höhere Versicherung für zinslose Konten\",\n  \"de_summary\": \"Dieses Gesetz erhöht den Versicherungsschutz für zinslose Girokonten auf bis zu 5 Millionen US-Dollar pro Einleger. Ziel ist es, die Finanzstabilität zu stärken und Ersparnisse bei lokalen Banken und Kreditgenossenschaften besser zu schützen.\",\n  \"de_key_points\": [\n    \"Erhöhung der Einlagensicherung für zinslose Konten auf einen Betrag zwischen 250.000 und 5.000.000 US-Dollar.\",\n    \"Gilt sowohl für versicherte Banken als auch für Kreditgenossenschaften (Credit Unions).\",\n    \"Global systemrelevante Großbanken und ausländische Bankfilialen sind von dieser zusätzlichen Deckung ausgeschlossen.\",\n    \"Kleine Finanzinstitute sind während der Übergangsphase von bestimmten Zusatzgebühren für diese Versicherung befreit.\",\n    \"Vorgesehen ist eine 10-jährige Übergangsfrist für die vollständige Umsetzung der Finanzierungspläne.\"\n  ],\n  \"fr_ai_title\": \"Loi sur la protection des déposants : assurance accrue pour les comptes non rémunérés\",\n  \"fr_summary\": \"Cette loi augmente la couverture d'assurance pour les comptes courants ne rapportant pas d'intérêts, protégeant potentiellement jusqu'à 5 millions de dollars par déposant. Elle vise à renforcer la stabilité financière et à protéger les économies dans les banques locales.\",\n  \"fr_key_points\": [\n    \"Augmentation de l'assurance des dépôts pour les comptes non rémunérés jusqu'à une limite comprise entre 250 000 $ et 5 000 000 $.\",\n    \"S'applique aux banques assurées et aux coopératives de crédit (credit unions).\",\n    \"Les banques d'importance systémique mondiale et les succursales de banques étrangères sont exclues de cette couverture supplémentaire.\",\n    \"Les petites institutions financières sont exemptées de certains frais supplémentaires pour cette assurance pendant la transition.\",\n    \"Prévoit une période de mise en œuvre progressive de 10 ans pour les exigences de financement.\"\n  ],\n  \"es_ai_title\": \"Ley de Protección al Depositante: Mayor seguro para cuentas sin intereses\",\n  \"es_summary\": \"Esta ley aumenta la cobertura del seguro para las cuentas corrientes que no generan intereses, protegiendo potencialmente hasta 5 millones de dólares por depositante. Busca mejorar la estabilidad financiera y proteger los ahorros en bancos locales y cooperativas de crédito.\",\n  \"es_key_points\": [\n    \"Aumenta el seguro de depósitos para cuentas sin intereses a un límite de entre 250.000 y 5.000.000 de dólares.\",\n    \"Se aplica tanto a bancos asegurados como a cooperativas de crédito.\",\n    \"Los grandes bancos de importancia sistémica global y las sucursales bancarias extranjeras quedan excluidos de esta cobertura adicional.\",\n    \"Las pequeñas instituciones financieras están exentas de ciertos cargos adicionales por este seguro durante la transición.\",\n    \"Establece un periodo de implementación gradual de 10 años para los requisitos de financiación.\"\n  ],\n  \"it_ai_title\": \"Legge sulla protezione dei depositanti: assicurazione più alta per i conti infruttiferi\",\n  \"it_summary\": \"Questa legge aumenta la copertura assicurativa per i conti correnti che non maturano interessi, proteggendo potenzialmente fino a 5 milioni di dollari per depositante. L'obiettivo è rafforzare la stabilità finanziaria e tutelare i risparmi nelle banche locali.\",\n  \"it_key_points\": [\n    \"Aumento dell'assicurazione sui depositi per i conti infruttiferi fino a un limite compreso tra 250.000 e 5.000.000 di dollari.\",\n    \"Si applica sia alle banche assicurate che alle unioni di credito (credit unions).\",\n    \"Le grandi banche di importanza sistemica globale e le filiali di banche estere sono escluse da questa copertura extra.\",\n    \"Le piccole istituzioni finanziarie sono esentate da alcune commissioni extra per questa assicurazione durante la transizione.\",\n    \"Prevede un periodo di introduzione graduale di 10 anni per i requisiti di finanziamento.\"\n  ],\n  \"nl_ai_title\": \"Wet bescherming depositos: hogere verzekering voor renteloze rekeningen\",\n  \"nl_summary\": \"Deze wet verhoogt de verzekeringsdekking voor renteloze betaalrekeningen tot mogelijk 5 miljoen dollar per deposant. Het doel is om de financiële stabiliteit te vergroten en besparingen bij lokale banken en kredietunies te beschermen.\",\n  \"nl_key_points\": [\n    \"Verhoging van de depositoverzekering voor renteloze rekeningen tot een limiet tussen $250.000 en $5.000.000.\",\n    \"Geldt voor zowel verzekerde banken als kredietunies (credit unions).\",\n    \"Wereldwijd systeemrelevante banken en buitenlandse bankfilialen zijn uitgesloten van deze extra dekking.\",\n    \"Kleine financiële instellingen zijn tijdens de overgangsperiode vrijgesteld van bepaalde extra kosten voor deze verzekering.\",\n    \"Bevat een overgangsperiode van 10 jaar voor de volledige implementatie van de financieringseisen.\"\n  ],\n  \"pt_ai_title\": \"Lei de Proteção ao Depositante: Seguro maior para contas sem juros\",\n  \"pt_summary\": \"Esta lei aumenta a cobertura do seguro para contas correntes que não rendem juros, protegendo potencialmente até 5 milhões de dólares por depositante. Visa reforçar a estabilidade financeira e proteger as poupanças em bancos locais e cooperativas de crédito.\",\n  \"pt_key_points\": [\n    \"Aumenta o seguro de depósitos para contas sem juros para um limite entre 250.000 e 5.000.000 de dólares.\",\n    \"Aplica-se tanto a bancos segurados como a cooperativas de crédito (credit unions).\",\n    \"Os grandes bancos de importância sistémica global e as sucursais de bancos estrangeiros estão excluídos desta cobertura extra.\",\n    \"Pequenas instituições financeiras estão isentas de certas taxas extra para este seguro durante a transição.\",\n    \"Estabelece um período de implementação gradual de 10 anos para os requisitos de financiamento.\"\n  ],\n  \"category\": [\"Economy\"]\n}"
    }
  ]
}