{
  "legislationId": "119_HR_8090",
  "lastUpdate": "2026-04-13T14:34:24.609Z",
  "history": [
    {
      "timestamp": "2026-04-13T14:34:24.609Z",
      "source_url": "https://www.congress.gov/119/bills/hr8090/BILLS-119hr8090ih.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. 8090 Introduced in House (IH)] <DOC> 119th CONGRESS 2d Session H. R. 8090 To require the Federal Deposit Insurance Corporation and the National Credit Union Administration to carry out an analysis to determine whether insurance coverage should be raised on covered transaction accounts, and for other purposes. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES March 25, 2026 Mr. Stutzman introduced the following bill; which was referred to the Committee on Financial Services _______________________________________________________________________ A BILL To require the Federal Deposit Insurance Corporation and the National Credit Union Administration to carry out an analysis to determine whether insurance coverage should be raised on covered 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. STUDY OF INSURANCE OF COVERED TRANSACTION ACCOUNTS. (a) Insured Depository Institutions.-- (1) Analyses.--Not earlier than the end of the 4th full calendar quarter beginning after the date of enactment of this Act and not later than the end of the 5th full calendar quarter beginning after the date of enactment of this Act, the Board of Directors of the Federal Deposit Insurance Corporation shall-- (A) collect data and carry out an analysis of covered transaction accounts to determine the extent to which a higher standard maximum deposit insurance amount should apply to such accounts; (B) conduct an economic analysis of the impact on the banking system of a higher standard maximum deposit insurance amount for covered transaction accounts; (C) determine the defining characteristics of covered transaction accounts and determine methods to prevent and reduce incentives of insured depository institutions and depositors to mischaracterize other types of deposit accounts as covered transaction accounts in order to obtain higher deposit insurance coverage; (D) conduct an analysis of the distributional impact of higher deposit insurance assessments for covered transaction accounts on small, medium, and large insured depository institutions; (E) conduct an analysis of the expected impact on the safety and soundness of insured depository institutions that have account holders with covered transaction accounts; (F) conduct an analysis of the effect on competition in the U.S. banking sector of any increase in the standard maximum deposit insurance amount for covered transaction accounts; and (G) make the data and analyses described in subparagraphs (A) through (F) available to the public. (2) Definitions.--In this subsection: (A) Covered transaction account.--The term ``covered transaction account'' means a transaction account maintained at an insured depository institution-- (i) by a business, non-profit, municipality, or similar organization; and (ii) that-- (I) is non-interest bearing; or (II) pays a de minimis amount of interest, as established by the Corporation. (B) Standard maximum deposit insurance amount.--The term ``standard maximum deposit insurance amount'' has the meaning given that term in section 11(a)(1)(E) of the Federal Deposit Insurance Act (12 U.S.C. 1821(a)(1)(E)). (C) Transaction account.--The term ``transaction account'' means a deposit or account from which the depositor or account holder is permitted to make transfers or withdrawals by negotiable or transferable instrument, payment order of withdrawal, telephone transfer, or other similar device for the purpose of making payments or transfers to third persons or others or from which the depositor or account holder may make third party payments at an automated teller machine or a remote service unit, or other electronic device, including by debit card, and includes such other deposits or accounts maintained at an insured depository institution that the Corporation may determine consistent with this definition. (D) Additional banking terms.--The terms ``deposit'' and ``insured depository institution'' have the meaning given those terms, respectively, in section 3 of the Federal Deposit Insurance Act (12 U.S.C. 1813). (b) Insured Credit Unions.-- (1) Analyses.--Not earlier than the end of the 4th full calendar quarter beginning after the date of enactment of this Act and not later than the end of the 5th full calendar quarter beginning after the date of enactment of this Act, the National Credit Union Administration Board shall-- (A) collect data and carry out an analysis of covered transaction accounts to determine the extent to which a higher standard maximum share insurance amount should apply to such accounts; (B) conduct an economic analysis of the impact on the credit union system of a higher standard maximum share insurance amount for covered transaction accounts; (C) determine the defining characteristics of covered transaction accounts and determine methods to prevent and reduce incentives of insured credit unions and credit union members to mischaracterize other types of deposit or share accounts as covered transaction accounts in order to obtain higher share insurance coverage; (D) conduct an analysis of the distributional impact of higher share insurance assessments for covered transaction accounts on small, medium, and large insured credit unions; (E) conduct an analysis of the expected impact on the safety and soundness of insured credit unions that have account holders with covered transaction accounts; (F) conduct an analysis of the effect on competition in the U.S. credit union sector of any increase in the standard maximum share insurance amount for covered transaction accounts; and (G) make the data and analyses described in subparagraphs (A) through (F) available to the public. (2) Definitions.--In this subsection: (A) Covered transaction account.--The term ``covered transaction account'' means a transaction account maintained at an insured credit union-- (i) by a business, non-profit, municipality, or similar organization; and (ii) that-- (I) does not pay a dividend; or (II) pays a de minimis dividend, as established by the Board. (B) Insured credit union.--The term ``insured credit union'' has the meaning given that term in section 101 of the Federal Credit Union Act (12 U.S.C. 1752). (C) Standard maximum share insurance amount.--The term ``standard maximum share insurance amount'' has the meaning given that term in section 207(k)(6) of the Federal Credit Union Act (12 U.S.C. 1787(k)(6)). (D) Transaction account.--The term ``transaction account'' means a deposit, share, or account from which the depositor or account holder is permitted to make transfers or withdrawals by negotiable or transferable instrument, payment order of withdrawal, telephone transfer, or other similar device for the purpose of making payments or transfers to third persons or others or from which the depositor or account holder may make third party payments at an automated teller machine or a remote service unit, or other electronic device, including by debit card, and includes such other deposits or accounts maintained at an insured credit union that the Board may determine consistent with this definition. <all>\n\nSUMMARY TO EVALUATE:\nTitle: Study on Increasing Deposit Insurance for Business and Non-Profit Accounts\nSummary: This bill requires federal agencies to study whether to increase insurance limits for bank accounts held by businesses, non-profits, and local governments. The goal is to understand how higher insurance would affect the stability and fairness of the banking system.\nKey Points: Evaluation of higher insurance limits for specific business and municipal transaction accounts., Focus on accounts that pay little to no interest used by organizations., Analysis of the impact on competition between small and large financial institutions., Requirement to make all findings and data available to the general public.\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": "2026-04-13T14:10:19.909Z",
      "source_url": "https://www.congress.gov/119/bills/hr8090/BILLS-119hr8090ih.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. 8090 Introduced in House (IH)] <DOC> 119th CONGRESS 2d Session H. R. 8090 To require the Federal Deposit Insurance Corporation and the National Credit Union Administration to carry out an analysis to determine whether insurance coverage should be raised on covered transaction accounts, and for other purposes. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES March 25, 2026 Mr. Stutzman introduced the following bill; which was referred to the Committee on Financial Services _______________________________________________________________________ A BILL To require the Federal Deposit Insurance Corporation and the National Credit Union Administration to carry out an analysis to determine whether insurance coverage should be raised on covered 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. STUDY OF INSURANCE OF COVERED TRANSACTION ACCOUNTS. (a) Insured Depository Institutions.-- (1) Analyses.--Not earlier than the end of the 4th full calendar quarter beginning after the date of enactment of this Act and not later than the end of the 5th full calendar quarter beginning after the date of enactment of this Act, the Board of Directors of the Federal Deposit Insurance Corporation shall-- (A) collect data and carry out an analysis of covered transaction accounts to determine the extent to which a higher standard maximum deposit insurance amount should apply to such accounts; (B) conduct an economic analysis of the impact on the banking system of a higher standard maximum deposit insurance amount for covered transaction accounts; (C) determine the defining characteristics of covered transaction accounts and determine methods to prevent and reduce incentives of insured depository institutions and depositors to mischaracterize other types of deposit accounts as covered transaction accounts in order to obtain higher deposit insurance coverage; (D) conduct an analysis of the distributional impact of higher deposit insurance assessments for covered transaction accounts on small, medium, and large insured depository institutions; (E) conduct an analysis of the expected impact on the safety and soundness of insured depository institutions that have account holders with covered transaction accounts; (F) conduct an analysis of the effect on competition in the U.S. banking sector of any increase in the standard maximum deposit insurance amount for covered transaction accounts; and (G) make the data and analyses described in subparagraphs (A) through (F) available to the public. (2) Definitions.--In this subsection: (A) Covered transaction account.--The term ``covered transaction account'' means a transaction account maintained at an insured depository institution-- (i) by a business, non-profit, municipality, or similar organization; and (ii) that-- (I) is non-interest bearing; or (II) pays a de minimis amount of interest, as established by the Corporation. (B) Standard maximum deposit insurance amount.--The term ``standard maximum deposit insurance amount'' has the meaning given that term in section 11(a)(1)(E) of the Federal Deposit Insurance Act (12 U.S.C. 1821(a)(1)(E)). (C) Transaction account.--The term ``transaction account'' means a deposit or account from which the depositor or account holder is permitted to make transfers or withdrawals by negotiable or transferable instrument, payment order of withdrawal, telephone transfer, or other similar device for the purpose of making payments or transfers to third persons or others or from which the depositor or account holder may make third party payments at an automated teller machine or a remote service unit, or other electronic device, including by debit card, and includes such other deposits or accounts maintained at an insured depository institution that the Corporation may determine consistent with this definition. (D) Additional banking terms.--The terms ``deposit'' and ``insured depository institution'' have the meaning given those terms, respectively, in section 3 of the Federal Deposit Insurance Act (12 U.S.C. 1813). (b) Insured Credit Unions.-- (1) Analyses.--Not earlier than the end of the 4th full calendar quarter beginning after the date of enactment of this Act and not later than the end of the 5th full calendar quarter beginning after the date of enactment of this Act, the National Credit Union Administration Board shall-- (A) collect data and carry out an analysis of covered transaction accounts to determine the extent to which a higher standard maximum share insurance amount should apply to such accounts; (B) conduct an economic analysis of the impact on the credit union system of a higher standard maximum share insurance amount for covered transaction accounts; (C) determine the defining characteristics of covered transaction accounts and determine methods to prevent and reduce incentives of insured credit unions and credit union members to mischaracterize other types of deposit or share accounts as covered transaction accounts in order to obtain higher share insurance coverage; (D) conduct an analysis of the distributional impact of higher share insurance assessments for covered transaction accounts on small, medium, and large insured credit unions; (E) conduct an analysis of the expected impact on the safety and soundness of insured credit unions that have account holders with covered transaction accounts; (F) conduct an analysis of the effect on competition in the U.S. credit union sector of any increase in the standard maximum share insurance amount for covered transaction accounts; and (G) make the data and analyses described in subparagraphs (A) through (F) available to the public. (2) Definitions.--In this subsection: (A) Covered transaction account.--The term ``covered transaction account'' means a transaction account maintained at an insured credit union-- (i) by a business, non-profit, municipality, or similar organization; and (ii) that-- (I) does not pay a dividend; or (II) pays a de minimis dividend, as established by the Board. (B) Insured credit union.--The term ``insured credit union'' has the meaning given that term in section 101 of the Federal Credit Union Act (12 U.S.C. 1752). (C) Standard maximum share insurance amount.--The term ``standard maximum share insurance amount'' has the meaning given that term in section 207(k)(6) of the Federal Credit Union Act (12 U.S.C. 1787(k)(6)). (D) Transaction account.--The term ``transaction account'' means a deposit, share, or account from which the depositor or account holder is permitted to make transfers or withdrawals by negotiable or transferable instrument, payment order of withdrawal, telephone transfer, or other similar device for the purpose of making payments or transfers to third persons or others or from which the depositor or account holder may make third party payments at an automated teller machine or a remote service unit, or other electronic device, including by debit card, and includes such other deposits or accounts maintained at an insured credit union that the Board may determine consistent with this definition. <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\": \"Badanie nad zwiększeniem ochrony depozytów dla firm i organizacji\",\n  \"pl_summary\": \"Projekt nakazuje sprawdzenie, czy należy podnieść limity ubezpieczenia dla kont bankowych używanych przez firmy, organizacje pozarządowe i samorządy. Celem jest ocena, jak wyższa ochrona pieniędzy wpłynęłaby na bezpieczeństwo banków i stabilność finansową.\",\n  \"pl_key_points\": [\n    \"Analiza możliwości podniesienia limitów ubezpieczenia depozytów dla kont transakcyjnych.\",\n    \"Skupienie na kontach należących do firm, organizacji non-profit oraz gmin.\",\n    \"Ocena wpływu zmian na małe, średnie i duże banki oraz unie kredytowe.\",\n    \"Obowiązek udostępnienia wyników badań i zebranych danych do wiadomości publicznej.\"\n  ],\n  \"eng_ai_title\": \"Study on Increasing Deposit Insurance for Business and Non-Profit Accounts\",\n  \"eng_summary\": \"This bill requires federal agencies to study whether to increase insurance limits for bank accounts held by businesses, non-profits, and local governments. The goal is to understand how higher insurance would affect the stability and fairness of the banking system.\",\n  \"eng_key_points\": [\n    \"Evaluation of higher insurance limits for specific business and municipal transaction accounts.\",\n    \"Focus on accounts that pay little to no interest used by organizations.\",\n    \"Analysis of the impact on competition between small and large financial institutions.\",\n    \"Requirement to make all findings and data available to the general public.\"\n  ],\n  \"de_ai_title\": \"Untersuchung zur Erhöhung der Einlagensicherung für Geschäfts- und Organisationskonten\",\n  \"de_summary\": \"Dieser Gesetzentwurf verpflichtet Behörden zu prüfen, ob die Versicherungsgrenzen für Bankkonten von Unternehmen, Vereinen und Kommunen angehoben werden sollten. Es soll untersucht werden, wie sich dies auf die Sicherheit des Bankensystems auswirkt.\",\n  \"de_key_points\": [\n    \"Prüfung höherer Versicherungssummen für bestimmte Geschäftskonten.\",\n    \"Fokus auf Konten von Unternehmen, gemeinnützigen Organisationen und Gemeinden.\",\n    \"Analyse der Auswirkungen auf den Wettbewerb zwischen kleinen und großen Banken.\",\n    \"Veröffentlichung der Studienergebnisse und Daten für die Öffentlichkeit.\"\n  ],\n  \"fr_ai_title\": \"Étude sur l'augmentation de la protection des dépôts pour les entreprises et associations\",\n  \"fr_summary\": \"Ce projet de loi demande aux agences fédérales d'étudier s'il faut augmenter les plafonds d'assurance pour les comptes bancaires des entreprises et des municipalités. L'objectif est d'évaluer l'impact sur la stabilité financière et la concurrence.\",\n  \"fr_key_points\": [\n    \"Analyse d'une possible hausse de l'assurance des dépôts pour les comptes de transaction.\",\n    \"Ciblage des comptes d'entreprises, d'organisations à but non lucratif et de municipalités.\",\n    \"Étude de l'impact sur les petites, moyennes et grandes institutions financières.\",\n    \"Obligation de rendre les données et les analyses accessibles au public.\"\n  ],\n  \"es_ai_title\": \"Estudio sobre el aumento del seguro de depósitos para empresas y organizaciones\",\n  \"es_summary\": \"Este proyecto de ley exige analizar si se deben aumentar los límites de seguro para las cuentas bancarias de empresas, organizaciones sin fines de lucro y municipios. Se busca entender cómo afectaría esto a la seguridad del sistema bancario.\",\n  \"es_key_points\": [\n    \"Evaluación de límites de seguro más altos para cuentas de transacciones específicas.\",\n    \"Enfoque en cuentas de empresas, ONG y gobiernos locales.\",\n    \"Análisis del impacto en la competencia entre bancos pequeños y grandes.\",\n    \"Obligación de hacer públicos los resultados y datos del estudio.\"\n  ],\n  \"it_ai_title\": \"Studio sull'aumento della protezione dei depositi per imprese e organizzazioni\",\n  \"it_summary\": \"Questa proposta di legge richiede di valutare se aumentare i limiti di assicurazione per i conti bancari di imprese, enti non profit e comuni. L'obiettivo è analizzare l'effetto sulla stabilità del sistema bancario e sulla concorrenza.\",\n  \"it_key_points\": [\n    \"Analisi del possibile aumento dei limiti di assicurazione sui depositi per conti transazionali.\",\n    \"Focus sui conti di imprese, organizzazioni non profit e comuni.\",\n    \"Valutazione dell'impatto su banche e unioni di credito di diverse dimensioni.\",\n    \"Pubblicazione dei dati e delle analisi per la consultazione pubblica.\"\n  ],\n  \"nl_ai_title\": \"Onderzoek naar verhoging van depositogarantie voor zakelijke en non-profit rekeningen\",\n  \"nl_summary\": \"Dit wetsvoorstel verplicht instanties om te onderzoeken of de verzekeringslimieten voor bankrekeningen van bedrijven en gemeenten moeten worden verhoogd. Het doel is om de impact op de stabiliteit van het bankensysteem in kaart te brengen.\",\n  \"nl_key_points\": [\n    \"Evaluatie van hogere verzekeringslimieten voor specifieke zakelijke transactierekeningen.\",\n    \"Focus op rekeningen van bedrijven, non-profits en gemeenten.\",\n    \"Analyse van de gevolgen voor de concurrentie tussen kleine en grote banken.\",\n    \"Openbaarmaking van alle onderzoeksresultaten en gegevens voor het publiek.\"\n  ],\n  \"pt_ai_title\": \"Estudo sobre o aumento do seguro de depósitos para empresas e organizações\",\n  \"pt_summary\": \"Este projeto de lei exige uma análise sobre se os limites de seguro para contas bancárias de empresas e organizações sem fins lucrativos devem ser aumentados. O objetivo é avaliar o impacto na segurança do sistema bancário e na concorrência.\",\n  \"pt_key_points\": [\n    \"Avaliação de limites de seguro mais elevados para contas de transações de organizações.\",\n    \"Foco em contas de empresas, instituições sem fins lucrativos e municípios.\",\n    \"Analyse do impacto na solidez de bancos e cooperativas de crédito.\",\n    \"Disponibilização pública obrigatória dos dados e resultados do estudo.\"\n  ],\n  \"category\": [\"Economy\"]\n}"
    },
    {
      "timestamp": "2026-04-13T14:10:16.055Z",
      "source_url": "https://www.congress.gov/119/bills/hr8090/BILLS-119hr8090ih.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. 8090 Introduced in House (IH)] <DOC> 119th CONGRESS 2d Session H. R. 8090 To require the Federal Deposit Insurance Corporation and the National Credit Union Administration to carry out an analysis to determine whether insurance coverage should be raised on covered transaction accounts, and for other purposes. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES March 25, 2026 Mr. Stutzman introduced the following bill; which was referred to the Committee on Financial Services _______________________________________________________________________ A BILL To require the Federal Deposit Insurance Corporation and the National Credit Union Administration to carry out an analysis to determine whether insurance coverage should be raised on covered 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. STUDY OF INSURANCE OF COVERED TRANSACTION ACCOUNTS. (a) Insured Depository Institutions.-- (1) Analyses.--Not earlier than the end of the 4th full calendar quarter beginning after the date of enactment of this Act and not later than the end of the 5th full calendar quarter beginning after the date of enactment of this Act, the Board of Directors of the Federal Deposit Insurance Corporation shall-- (A) collect data and carry out an analysis of covered transaction accounts to determine the extent to which a higher standard maximum deposit insurance amount should apply to such accounts; (B) conduct an economic analysis of the impact on the banking system of a higher standard maximum deposit insurance amount for covered transaction accounts; (C) determine the defining characteristics of covered transaction accounts and determine methods to prevent and reduce incentives of insured depository institutions and depositors to mischaracterize other types of deposit accounts as covered transaction accounts in order to obtain higher deposit insurance coverage; (D) conduct an analysis of the distributional impact of higher deposit insurance assessments for covered transaction accounts on small, medium, and large insured depository institutions; (E) conduct an analysis of the expected impact on the safety and soundness of insured depository institutions that have account holders with covered transaction accounts; (F) conduct an analysis of the effect on competition in the U.S. banking sector of any increase in the standard maximum deposit insurance amount for covered transaction accounts; and (G) make the data and analyses described in subparagraphs (A) through (F) available to the public. (2) Definitions.--In this subsection: (A) Covered transaction account.--The term ``covered transaction account'' means a transaction account maintained at an insured depository institution-- (i) by a business, non-profit, municipality, or similar organization; and (ii) that-- (I) is non-interest bearing; or (II) pays a de minimis amount of interest, as established by the Corporation. (B) Standard maximum deposit insurance amount.--The term ``standard maximum deposit insurance amount'' has the meaning given that term in section 11(a)(1)(E) of the Federal Deposit Insurance Act (12 U.S.C. 1821(a)(1)(E)). (C) Transaction account.--The term ``transaction account'' means a deposit or account from which the depositor or account holder is permitted to make transfers or withdrawals by negotiable or transferable instrument, payment order of withdrawal, telephone transfer, or other similar device for the purpose of making payments or transfers to third persons or others or from which the depositor or account holder may make third party payments at an automated teller machine or a remote service unit, or other electronic device, including by debit card, and includes such other deposits or accounts maintained at an insured depository institution that the Corporation may determine consistent with this definition. (D) Additional banking terms.--The terms ``deposit'' and ``insured depository institution'' have the meaning given those terms, respectively, in section 3 of the Federal Deposit Insurance Act (12 U.S.C. 1813). (b) Insured Credit Unions.-- (1) Analyses.--Not earlier than the end of the 4th full calendar quarter beginning after the date of enactment of this Act and not later than the end of the 5th full calendar quarter beginning after the date of enactment of this Act, the National Credit Union Administration Board shall-- (A) collect data and carry out an analysis of covered transaction accounts to determine the extent to which a higher standard maximum share insurance amount should apply to such accounts; (B) conduct an economic analysis of the impact on the credit union system of a higher standard maximum share insurance amount for covered transaction accounts; (C) determine the defining characteristics of covered transaction accounts and determine methods to prevent and reduce incentives of insured credit unions and credit union members to mischaracterize other types of deposit or share accounts as covered transaction accounts in order to obtain higher share insurance coverage; (D) conduct an analysis of the distributional impact of higher share insurance assessments for covered transaction accounts on small, medium, and large insured credit unions; (E) conduct an analysis of the expected impact on the safety and soundness of insured credit unions that have account holders with covered transaction accounts; (F) conduct an analysis of the effect on competition in the U.S. credit union sector of any increase in the standard maximum share insurance amount for covered transaction accounts; and (G) make the data and analyses described in subparagraphs (A) through (F) available to the public. (2) Definitions.--In this subsection: (A) Covered transaction account.--The term ``covered transaction account'' means a transaction account maintained at an insured credit union-- (i) by a business, non-profit, municipality, or similar organization; and (ii) that-- (I) does not pay a dividend; or (II) pays a de minimis dividend, as established by the Board. (B) Insured credit union.--The term ``insured credit union'' has the meaning given that term in section 101 of the Federal Credit Union Act (12 U.S.C. 1752). (C) Standard maximum share insurance amount.--The term ``standard maximum share insurance amount'' has the meaning given that term in section 207(k)(6) of the Federal Credit Union Act (12 U.S.C. 1787(k)(6)). (D) Transaction account.--The term ``transaction account'' means a deposit, share, or account from which the depositor or account holder is permitted to make transfers or withdrawals by negotiable or transferable instrument, payment order of withdrawal, telephone transfer, or other similar device for the purpose of making payments or transfers to third persons or others or from which the depositor or account holder may make third party payments at an automated teller machine or a remote service unit, or other electronic device, including by debit card, and includes such other deposits or accounts maintained at an insured credit union that the Board may determine consistent with this definition. <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\": \"Analiza podniesienia limitów gwarancji bankowych dla kont firmowych i samorządowych\",\n  \"pl_summary\": \"Projekt nakazuje zbadanie, czy należy zwiększyć ochronę ubezpieczeniową dla kont bankowych używanych przez firmy, organizacje non-profit i samorządy. Celem jest sprawdzenie, jak wyższe limity wpłynęłyby na stabilność banków i bezpieczeństwo środków finansowych instytucji.\",\n  \"pl_key_points\": [\n    \"Badanie możliwości zwiększenia limitu gwarancji depozytów powyżej obecnych standardów.\",\n    \"Analiza dotyczy głównie kont firmowych, organizacji społecznych i urzędów miast.\",\n    \"Sprawdzenie wpływu zmian na konkurencję między bankami i uniami kredytowymi.\",\n    \"Udostępnienie wyników analizy i zebranych danych do wiadomości publicznej.\"\n  ],\n  \"eng_ai_title\": \"Study on Increasing Deposit Insurance for Business and Municipal Accounts\",\n  \"eng_summary\": \"This bill requires federal agencies to study whether insurance limits on bank accounts for businesses, non-profits, and local governments should be raised. The goal is to understand how higher coverage would affect the banking system's safety and competition.\",\n  \"eng_key_points\": [\n    \"Evaluation of raising deposit insurance limits for specific transaction accounts.\",\n    \"Focus on accounts held by businesses, non-profits, and municipalities.\",\n    \"Analysis of the impact on bank stability and competition in the financial sector.\",\n    \"Requirement to make all findings and data available to the public.\"\n  ],\n  \"de_ai_title\": \"Untersuchung zur Erhöhung der Einlagensicherung für Geschäfts- und Kommunalkonten\",\n  \"de_summary\": \"Dieser Gesetzentwurf verpflichtet Behörden zu prüfen, ob die Versicherungsgrenzen für Bankkonten von Unternehmen, Vereinen und Kommunen angehoben werden sollten. Es soll untersucht werden, wie sich höhere Limits auf die Stabilität des Bankensystems auswirken würden.\",\n  \"de_key_points\": [\n    \"Prüfung einer Erhöhung der Einlagensicherung über den aktuellen Standard hinaus.\",\n    \"Fokus auf Konten von Unternehmen, gemeinnützigen Organisationen und Gemeinden.\",\n    \"Analyse der Auswirkungen auf den Wettbewerb und die Sicherheit von Finanzinstituten.\",\n    \"Veröffentlichung der Studienergebnisse und Daten für die Bürger.\"\n  ],\n  \"fr_ai_title\": \"Étude sur l'augmentation de la garantie des dépôts pour les comptes professionnels et municipaux\",\n  \"fr_summary\": \"Ce projet de loi exige une analyse pour déterminer s'il convient d'augmenter les plafonds d'assurance pour les comptes bancaires des entreprises, des associations et des municipalités. L'objectif est d'évaluer l'impact sur la sécurité du système bancaire.\",\n  \"fr_key_points\": [\n    \"Évaluation d'une hausse des limites d'assurance des dépôts pour certains comptes.\",\n    \"Ciblage des comptes détenus par des entreprises, des organisations à but non lucratif et des communes.\",\n    \"Analyse des effets sur la concurrence et la solidité des banques et coopératives de crédit.\",\n    \"Mise à disposition du public des données et des conclusions de l'étude.\"\n  ],\n  \"es_ai_title\": \"Estudio sobre el aumento del seguro de depósitos para cuentas empresariales y municipales\",\n  \"es_summary\": \"Este proyecto de ley exige analizar si se deben aumentar los límites de protección para las cuentas bancarias de empresas, organizaciones sin fines de lucro y municipios. Se busca entender cómo afectaría esto a la estabilidad del sistema financiero.\",\n  \"es_key_points\": [\n    \"Evaluación de incrementar los límites del seguro de depósitos para cuentas específicas.\",\n    \"Enfoque en cuentas de empresas, entidades sin ánimo de lucro y ayuntamientos.\",\n    \"Análisis del impacto en la competencia y la seguridad de las instituciones financieras.\",\n    \"Obligación de publicar los resultados y datos del estudio para los ciudadanos.\"\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\": \"Questo disegno di legge richiede un'analisi per stabilire se i limiti di assicurazione sui conti bancari di imprese, enti non profit e comuni debbano essere aumentati. L'obiettivo è valutare l'impatto sulla stabilità del sistema bancario.\",\n  \"it_key_points\": [\n    \"Valutazione dell'aumento dei limiti di assicurazione dei depositi per determinati conti.\",\n    \"Focus sui conti di imprese, organizzazioni non profit e amministrazioni locali.\",\n    \"Analisi degli effetti sulla concorrenza e sulla solidità delle banche.\",\n    \"Pubblicazione dei dati e dei risultati dell'analisi per i cittadini.\"\n  ],\n  \"nl_ai_title\": \"Onderzoek naar verhoging van depositogarantie voor zakelijke en gemeentelijke rekeningen\",\n  \"nl_summary\": \"Dit wetsvoorstel vereist een onderzoek naar de vraag of de verzekeringslimieten voor bankrekeningen van bedrijven, non-profits en gemeenten moeten worden verhoogd. Het doel is om de impact op de stabiliteit van het banksysteem te begrijpen.\",\n  \"nl_key_points\": [\n    \"Beoordeling van het verhogen van de depositogarantie voor specifieke transactierekeningen.\",\n    \"Focus op rekeningen van bedrijven, non-profitorganisaties en gemeenten.\",\n    \"Analyse van de gevolgen voor de concurrentie en de veiligheid van financiële instellingen.\",\n    \"Verplichting om de onderzoeksresultaten en gegevens openbaar te maken.\"\n  ],\n  \"pt_ai_title\": \"Estudo sobre o aumento do seguro de depósitos para contas empresariais e municipais\",\n  \"pt_summary\": \"Este projeto de lei exige uma análise para determinar se os limites de seguro para contas bancárias de empresas, organizações sem fins lucrativos e municípios devem ser aumentados. O objetivo é avaliar o impacto na estabilidade do sistema financeiro.\",\n  \"pt_key_points\": [\n    \"Avaliação do aumento dos limites de seguro de depósitos para contas específicas.\",\n    \"Foco em contas de empresas, entidades sem fins lucrativos e municípios.\",\n    \"Análise do impacto na concorrência e na segurança das instituições financeiras.\",\n    \"Divulgação pública dos dados e conclusões do estudo.\"\n  ],\n  \"category\": [\n    \"Economy\"\n  ]\n}"
    },
    {
      "timestamp": "2026-04-13T14:09:57.117Z",
      "source_url": "https://www.congress.gov/119/bills/hr8090/BILLS-119hr8090ih.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. 8090 Introduced in House (IH)] <DOC> 119th CONGRESS 2d Session H. R. 8090 To require the Federal Deposit Insurance Corporation and the National Credit Union Administration to carry out an analysis to determine whether insurance coverage should be raised on covered transaction accounts, and for other purposes. _______________________________________________________________________ IN THE HOUSE OF REPRESENTATIVES March 25, 2026 Mr. Stutzman introduced the following bill; which was referred to the Committee on Financial Services _______________________________________________________________________ A BILL To require the Federal Deposit Insurance Corporation and the National Credit Union Administration to carry out an analysis to determine whether insurance coverage should be raised on covered 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. STUDY OF INSURANCE OF COVERED TRANSACTION ACCOUNTS. (a) Insured Depository Institutions.-- (1) Analyses.--Not earlier than the end of the 4th full calendar quarter beginning after the date of enactment of this Act and not later than the end of the 5th full calendar quarter beginning after the date of enactment of this Act, the Board of Directors of the Federal Deposit Insurance Corporation shall-- (A) collect data and carry out an analysis of covered transaction accounts to determine the extent to which a higher standard maximum deposit insurance amount should apply to such accounts; (B) conduct an economic analysis of the impact on the banking system of a higher standard maximum deposit insurance amount for covered transaction accounts; (C) determine the defining characteristics of covered transaction accounts and determine methods to prevent and reduce incentives of insured depository institutions and depositors to mischaracterize other types of deposit accounts as covered transaction accounts in order to obtain higher deposit insurance coverage; (D) conduct an analysis of the distributional impact of higher deposit insurance assessments for covered transaction accounts on small, medium, and large insured depository institutions; (E) conduct an analysis of the expected impact on the safety and soundness of insured depository institutions that have account holders with covered transaction accounts; (F) conduct an analysis of the effect on competition in the U.S. banking sector of any increase in the standard maximum deposit insurance amount for covered transaction accounts; and (G) make the data and analyses described in subparagraphs (A) through (F) available to the public. (2) Definitions.--In this subsection: (A) Covered transaction account.--The term ``covered transaction account'' means a transaction account maintained at an insured depository institution-- (i) by a business, non-profit, municipality, or similar organization; and (ii) that-- (I) is non-interest bearing; or (II) pays a de minimis amount of interest, as established by the Corporation. (B) Standard maximum deposit insurance amount.--The term ``standard maximum deposit insurance amount'' has the meaning given that term in section 11(a)(1)(E) of the Federal Deposit Insurance Act (12 U.S.C. 1821(a)(1)(E)). (C) Transaction account.--The term ``transaction account'' means a deposit or account from which the depositor or account holder is permitted to make transfers or withdrawals by negotiable or transferable instrument, payment order of withdrawal, telephone transfer, or other similar device for the purpose of making payments or transfers to third persons or others or from which the depositor or account holder may make third party payments at an automated teller machine or a remote service unit, or other electronic device, including by debit card, and includes such other deposits or accounts maintained at an insured depository institution that the Corporation may determine consistent with this definition. (D) Additional banking terms.--The terms ``deposit'' and ``insured depository institution'' have the meaning given those terms, respectively, in section 3 of the Federal Deposit Insurance Act (12 U.S.C. 1813). (b) Insured Credit Unions.-- (1) Analyses.--Not earlier than the end of the 4th full calendar quarter beginning after the date of enactment of this Act and not later than the end of the 5th full calendar quarter beginning after the date of enactment of this Act, the National Credit Union Administration Board shall-- (A) collect data and carry out an analysis of covered transaction accounts to determine the extent to which a higher standard maximum share insurance amount should apply to such accounts; (B) conduct an economic analysis of the impact on the credit union system of a higher standard maximum share insurance amount for covered transaction accounts; (C) determine the defining characteristics of covered transaction accounts and determine methods to prevent and reduce incentives of insured credit unions and credit union members to mischaracterize other types of deposit or share accounts as covered transaction accounts in order to obtain higher share insurance coverage; (D) conduct an analysis of the distributional impact of higher share insurance assessments for covered transaction accounts on small, medium, and large insured credit unions; (E) conduct an analysis of the expected impact on the safety and soundness of insured credit unions that have account holders with covered transaction accounts; (F) conduct an analysis of the effect on competition in the U.S. credit union sector of any increase in the standard maximum share insurance amount for covered transaction accounts; and (G) make the data and analyses described in subparagraphs (A) through (F) available to the public. (2) Definitions.--In this subsection: (A) Covered transaction account.--The term ``covered transaction account'' means a transaction account maintained at an insured credit union-- (i) by a business, non-profit, municipality, or similar organization; and (ii) that-- (I) does not pay a dividend; or (II) pays a de minimis dividend, as established by the Board. (B) Insured credit union.--The term ``insured credit union'' has the meaning given that term in section 101 of the Federal Credit Union Act (12 U.S.C. 1752). (C) Standard maximum share insurance amount.--The term ``standard maximum share insurance amount'' has the meaning given that term in section 207(k)(6) of the Federal Credit Union Act (12 U.S.C. 1787(k)(6)). (D) Transaction account.--The term ``transaction account'' means a deposit, share, or account from which the depositor or account holder is permitted to make transfers or withdrawals by negotiable or transferable instrument, payment order of withdrawal, telephone transfer, or other similar device for the purpose of making payments or transfers to third persons or others or from which the depositor or account holder may make third party payments at an automated teller machine or a remote service unit, or other electronic device, including by debit card, and includes such other deposits or accounts maintained at an insured credit union that the Board may determine consistent with this definition. <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\": \"Badanie nad zwiększeniem ochrony depozytów dla firm i organizacji\",\n  \"pl_summary\": \"Projekt nakazuje sprawdzenie, czy należy podnieść limity ubezpieczenia dla kont bankowych używanych przez firmy, organizacje pozarządowe i samorządy. Celem jest ocena, jak wyższa ochrona pieniędzy wpłynęłaby na bezpieczeństwo banków i stabilność finansową.\",\n  \"pl_key_points\": [\n    \"Analiza możliwości podniesienia limitów ubezpieczenia depozytów dla kont transakcyjnych.\",\n    \"Skupienie na kontach należących do firm, organizacji non-profit oraz gmin.\",\n    \"Ocena wpływu zmian na małe, średnie i duże banki oraz unie kredytowe.\",\n    \"Obowiązek udostępnienia wyników badań i zebranych danych do wiadomości publicznej.\"\n  ],\n  \"eng_ai_title\": \"Study on Increasing Deposit Insurance for Business and Non-Profit Accounts\",\n  \"eng_summary\": \"This bill requires federal agencies to study whether to increase insurance limits for bank accounts held by businesses, non-profits, and local governments. The goal is to understand how higher insurance would affect the stability and fairness of the banking system.\",\n  \"eng_key_points\": [\n    \"Evaluation of higher insurance limits for specific business and municipal transaction accounts.\",\n    \"Focus on accounts that pay little to no interest used by organizations.\",\n    \"Analysis of the impact on competition between small and large financial institutions.\",\n    \"Requirement to make all findings and data available to the general public.\"\n  ],\n  \"de_ai_title\": \"Untersuchung zur Erhöhung der Einlagensicherung für Geschäfts- und Organisationskonten\",\n  \"de_summary\": \"Dieser Gesetzentwurf verpflichtet Behörden zu prüfen, ob die Versicherungsgrenzen für Bankkonten von Unternehmen, Vereinen und Kommunen angehoben werden sollten. Es soll untersucht werden, wie sich dies auf die Sicherheit des Bankensystems auswirkt.\",\n  \"de_key_points\": [\n    \"Prüfung höherer Versicherungssummen für bestimmte Geschäftskonten.\",\n    \"Fokus auf Konten von Unternehmen, gemeinnützigen Organisationen und Gemeinden.\",\n    \"Analyse der Auswirkungen auf den Wettbewerb zwischen kleinen und großen Banken.\",\n    \"Veröffentlichung der Studienergebnisse und Daten für die Öffentlichkeit.\"\n  ],\n  \"fr_ai_title\": \"Étude sur l'augmentation de la protection des dépôts pour les entreprises et associations\",\n  \"fr_summary\": \"Ce projet de loi demande aux agences fédérales d'étudier s'il faut augmenter les plafonds d'assurance pour les comptes bancaires des entreprises et des municipalités. L'objectif est d'évaluer l'impact sur la stabilité financière et la concurrence.\",\n  \"fr_key_points\": [\n    \"Analyse d'une possible hausse de l'assurance des dépôts pour les comptes de transaction.\",\n    \"Ciblage des comptes d'entreprises, d'organisations à but non lucratif et de municipalités.\",\n    \"Étude de l'impact sur les petites, moyennes et grandes institutions financières.\",\n    \"Obligation de rendre les données et les analyses accessibles au public.\"\n  ],\n  \"es_ai_title\": \"Estudio sobre el aumento del seguro de depósitos para empresas y organizaciones\",\n  \"es_summary\": \"Este proyecto de ley exige analizar si se deben aumentar los límites de seguro para las cuentas bancarias de empresas, organizaciones sin fines de lucro y municipios. Se busca entender cómo afectaría esto a la seguridad del sistema bancario.\",\n  \"es_key_points\": [\n    \"Evaluación de límites de seguro más altos para cuentas de transacciones específicas.\",\n    \"Enfoque en cuentas de empresas, ONG y gobiernos locales.\",\n    \"Análisis del impacto en la competencia entre bancos pequeños y grandes.\",\n    \"Obligación de hacer públicos los resultados y datos del estudio.\"\n  ],\n  \"it_ai_title\": \"Studio sull'aumento della protezione dei depositi per imprese e organizzazioni\",\n  \"it_summary\": \"Questa proposta di legge richiede di valutare se aumentare i limiti di assicurazione per i conti bancari di imprese, enti non profit e comuni. L'obiettivo è analizzare l'effetto sulla stabilità del sistema bancario e sulla concorrenza.\",\n  \"it_key_points\": [\n    \"Analisi del possibile aumento dei limiti di assicurazione sui depositi per conti transazionali.\",\n    \"Focus sui conti di imprese, organizzazioni non profit e comuni.\",\n    \"Valutazione dell'impatto su banche e unioni di credito di diverse dimensioni.\",\n    \"Pubblicazione dei dati e delle analisi per la consultazione pubblica.\"\n  ],\n  \"nl_ai_title\": \"Onderzoek naar verhoging van depositogarantie voor zakelijke en non-profit rekeningen\",\n  \"nl_summary\": \"Dit wetsvoorstel verplicht instanties om te onderzoeken of de verzekeringslimieten voor bankrekeningen van bedrijven en gemeenten moeten worden verhoogd. Het doel is om de impact op de stabiliteit van het bankensysteem in kaart te brengen.\",\n  \"nl_key_points\": [\n    \"Evaluatie van hogere verzekeringslimieten voor specifieke zakelijke transactierekeningen.\",\n    \"Focus op rekeningen van bedrijven, non-profits en gemeenten.\",\n    \"Analyse van de gevolgen voor de concurrentie tussen kleine en grote banken.\",\n    \"Openbaarmaking van alle onderzoeksresultaten en gegevens voor het publiek.\"\n  ],\n  \"pt_ai_title\": \"Estudo sobre o aumento do seguro de depósitos para empresas e organizações\",\n  \"pt_summary\": \"Este projeto de lei exige uma análise sobre se os limites de seguro para contas bancárias de empresas e organizações sem fins lucrativos devem ser aumentados. O objetivo é avaliar o impacto na segurança do sistema bancário e na concorrência.\",\n  \"pt_key_points\": [\n    \"Avaliação de limites de seguro mais elevados para contas de transações de organizações.\",\n    \"Foco em contas de empresas, instituições sem fins lucrativos e municípios.\",\n    \"Analyse do impacto na solidez de bancos e cooperativas de crédito.\",\n    \"Disponibilização pública obrigatória dos dados e resultados do estudo.\"\n  ],\n  \"category\": [\"Economy\"]\n}"
    }
  ]
}