{
  "legislationId": "119_S_4144",
  "lastUpdate": "2026-03-26T12:35:51.010Z",
  "history": [
    {
      "timestamp": "2026-03-26T12:35:51.010Z",
      "source_url": "https://www.congress.gov/119/bills/s4144/BILLS-119s4144is.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] [S. 4144 Introduced in Senate (IS)] <DOC> 119th CONGRESS 2d Session S. 4144 To amend the Credit Repair Organizations Act to add additional protections against harmful practices within the credit repair organization industry, and for other purposes. _______________________________________________________________________ IN THE SENATE OF THE UNITED STATES March 19, 2026 Mr. Coons (for himself and Ms. Murkowski) introduced the following bill; which was read twice and referred to the Committee on Banking, Housing, and Urban Affairs _______________________________________________________________________ A BILL To amend the Credit Repair Organizations Act to add additional protections against harmful practices within the credit repair organization industry, 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 ``Ending Scam Credit Repair Act'' or the ``ESCRA Act''. SEC. 2. CREDIT REPAIR ORGANIZATION DEFINITION. Section 403(3) of the Credit Repair Organizations Act (15 U.S.C. 1679a(3))-- (1) in subparagraph (A), by inserting ``(not including anything received in return for representing a consumer in preparation for or during litigation)'' after ``consideration''; and (2) in subparagraph (B)-- (A) in the matter preceding clause (i), by inserting ``an entity or individual that is, in good faith and not for the purpose of evading this title'' after ``include''; (B) in clause (ii), by striking ``or'' at the end; (C) in clause (iii), by striking the period and inserting ``; or''; and (D) by adding at the end the following: ``(iv) any attorney that provides legal services rendered or to be rendered to a consumer in contemplation of or in connection with a case filed, or to be filed within 12 months, under title 11, United States Code, or the Consumer Credit Protection Act (15 U.S.C. 1601 et seq.), by an attorney within the same law firm.''. SEC. 3. PROHIBITED PRACTICES. (a) Untrue or Misleading Statements.-- (1) In general.--Section 404(a)(1) of the Credit Repair Organizations Act (15 U.S.C. 1679b(a)(1)) is amended-- (A) in the matter preceding subparagraph (A), by inserting ``knowingly'' before ``make any statement, or''; (B) in subparagraph (A), by striking ``or'' at the end; and (C) by adding at the end the following: ``(C) the Bureau of Consumer Financial Protection directly or through an online portal established to receive complaints, disputes, or reports of fraud; ``(D) the Federal Trade Commission directly or through an online portal established to receive complaints, disputes, or reports of fraud; or ``(E) any Federal, State, local, or Tribal law enforcement agency directly or through an online portal established to receive complaints, disputes, or reports of fraud;''. (2) Finding.--The Congress finds that it is unlawful, as of the date of enactment of this Act, to make materially false, fictitious, or fraudulent statements or representations to the Bureau of Consumer Financial Protection. (b) Additional Prohibited Practices.--Section 404 of the Credit Repair Organizations Act (15 U.S.C. 1679b) is amended-- (1) in subsection (a)(2)-- (A) in subparagraph (B)(ii), by striking the semicolon and inserting ``; or''; and (B) by adding at the end the following: ``(C) the Bureau of Consumer Financial Protection or the Federal Trade Commission;''; (2) by amending subsection (b) to read as follows: ``(b) Payment in Advance.-- ``(1) In general.--No credit repair organization may request or receive payment of any fee or consideration from a consumer for services represented to remove derogatory or inaccurate information from, or improve, the credit history of such consumer's credit history, credit record, or credit rating, or services related to such a representation, until the credit repair organization has provided such consumer with documentation in the form of a consumer report, issued not earlier than 180 days after the date on such service is rendered, from a consumer reporting agency that demonstrates that such representation has been achieved. ``(2) Rule of construction.--Nothing in this subsection shall be construed to alter the permissible purposes of furnishing a consumer report described in section 604 of the Fair Credit Reporting Act.''; and (3) by adding at the end the following: ``(c) Jamming.--A credit repair organization may not submit multiple disputes described in section 611 of the Fair Credit Reporting Act of the same information unless all of the following are true: ``(1) The consumer reporting agency or data furnisher has had the time permitted under the Fair Credit Reporting Act to conduct a reasonable investigation on the prior dispute. ``(2) The consumer reporting agency or data furnisher has returned the results of its investigation to the consumer with respect to such dispute, unless there are material changes to the information submitted with the dispute. ``(3) The credit repair organization includes with the resubmitted dispute a specific description of what information is inaccurate.''. SEC. 4. DISCLOSURES. Section 405 of the Credit Repair Organizations Act (15 U.S.C. 1679c) is amended-- (1) in the written statement in subsection (a)-- (A) in the second undesignated paragraph, by inserting ``Credit repair organizations do not provide any services that you cannot do yourself for free.'' after the period at the end of the fourth sentence; (B) in the eighth undesignated paragraph, by striking ``regulates'' and inserting ``and the Bureau of Consumer Financial Protection regulate''; and (C) by inserting ``The Bureau of Consumer Financial Protection 1700 G St. NW, Washington, DC 20552 Tel: 855-411-2372 TTY/TTD: 855-729-2372'' after ``20580''; and (2) in subsection (c)-- (A) in paragraph (1), by inserting ``and any recordings of telephone communications with the consumer'' before the period at the end; and (B) in paragraph (2)-- (i) in the heading, by striking ``2'' and inserting ``5''; (ii) by inserting ``and any telephone recordings with the consumer'' after ``consumer's statement''; (iii) by striking ``2'' and inserting ``5''; and (iv) by striking ``statement is signed by the consumer'' and inserting ``statement or the telephone recordings are created''. SEC. 5. CONSUMER CONTRACT REQUIRED. Section 407 of the Credit Repair Organizations Act (15 U.S.C. 1679e) is amended by striking subsection (c) and inserting the following: ``(c) Consumer Copy of Contract and Communications Required.-- ``(1) Contract.--Any consumer who enters into any contract with any credit repair organization shall be given, by the organization-- ``(A) a copy of the completed contract and the disclosure statement required under section 405; and ``(B) a copy of any other document the credit repair organization requires the consumer to sign, at the time the contract or the other document is signed. ``(2) Communications.--Any consumer described in paragraph (1) shall be given, by the organization copies of all communications sent on behalf of the consumer, at the time the communication is sent.''. SEC. 6. NONCOMPLIANCE. Section 408 of the Credit Repair Organizations Act (15 U.S.C. 1679f) is amended by adding at the end following: ``(d) Legal Services Within Credit Repair Organizations.--A credit repair organization shall be subject to this title regardless of whether the organization is, or employs, an attorney who also provides legal services to a consumer, except if such attorney is an attorney described in section 403(3)(B)(iv). ``(e) Credit Repair Organizations Without a State License.--On or after January 1, 2026, no person may act as a credit repair organization unless such person is licensed by a State.''. SEC. 7. CREDIT REPAIR ORGANIZATION COMMUNICATIONS WITH FURNISHERS OF INFORMATION. (a) In General.--The Credit Repair Organizations Act (15 U.S.C. 1679 et seq.) is amended by inserting after section 408 the following: ``SEC. 408A. CREDIT REPAIR ORGANIZATION COMMUNICATIONS WITH FURNISHERS OF INFORMATION. ``Disputes submitted to a person who furnishes information to a consumer reporting agency by or on behalf of a credit repair organization shall meet the following requirements: ``(1) If sent by mail, the dispute shall be transmitted by first class mail and list on the envelope the-- ``(A) name of the credit repair organization; and ``(B) State license number of the credit repair organization, if applicable. ``(2) The dispute shall list the-- ``(A) name of the credit repair organization; ``(B) State license number of the credit repair organization, if applicable; and ``(C) name of the consumer on whose behalf the dispute is submitted. ``(3) In the case of any additional communication after an initial dispute, the additional communication shall clearly and conspicuously identify any material changes to the information provided in the initial written dispute and include the information described in paragraphs (1) and (2). ``(4) In the case where a credit repair organization sells or otherwise provides an online or paper blank dispute form to be completed and filed by the consumer, such form must contain the-- ``(A) name and address of such credit repair organization; and ``(B) State license number of such credit repair organization, if applicable. ``(5) In the case where the person responds to a dispute submitted by a credit repair organization seeking clarifying information, verifying if the customer has actually engaged with the credit repair organization, or denying the accuracy of the underlying claim, the credit repair organization shall respond in writing within 15 business days. ``(6) In the case where the credit repair organization is an attorney, the attorney shall certify that any communication is consistent with any information or documentation provided by the consumer, confirmed based upon methods or means proven to be historically reliable and accurate. ``(7) A credit repair organization, when sending a dispute, shall disclose the fact that it is a credit repair organization by placing the following disclosure on the dispute letter: `This communication was submitted or prepared on behalf of the consumer by a credit repair organization, as defined in section 403 of the Credit Repair Organizations Act (15 U.S.C. 1679a).'''. (b) Clerical Amendment.--The table of contents for the Credit Repair Organizations Act is amended by inserting after the item relating to section 408 the following: ``408A. Credit repair organization communications with furnishers of information.''. SEC. 8. CIVIL LIABILITY. Section 409(a)(1) of the Credit Repair Organizations Act (15 U.S.C. 1679g(a)(1)) is amended-- (1) in the heading, by striking ``Actual damages'' and inserting ``Damages''; (2) in subparagraph (A), by striking ``or'' at the end; (3) in subparagraph (B), by striking the period at the end and inserting ``; or''; and (4) by adding at the end the following: ``(C) damages of $500 for each violation of this title.''. <all>\n\nSUMMARY TO EVALUATE:\nTitle: Ending Scam Credit Repair Act (ESCRA) to Protect Consumers\nSummary: This act strengthens protections against predatory credit repair companies by banning upfront fees and requiring proof of results before payment. It ensures citizens are informed that they can perform credit repair tasks themselves for free.\nKey Points: No upfront fees: Companies can only charge after providing a credit report showing actual improvements., Mandatory disclosure stating that consumers can perform credit repair services themselves for free., Requirement for credit repair organizations to be licensed by the state starting in 2026., Consumers must receive copies of all communications sent on their behalf to creditors or agencies., Statutory damages of $500 for each violation of the law by the organization.\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": "2026-03-26T12:25:00.238Z",
      "source_url": "https://www.congress.gov/119/bills/s4144/BILLS-119s4144is.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] [S. 4144 Introduced in Senate (IS)] <DOC> 119th CONGRESS 2d Session S. 4144 To amend the Credit Repair Organizations Act to add additional protections against harmful practices within the credit repair organization industry, and for other purposes. _______________________________________________________________________ IN THE SENATE OF THE UNITED STATES March 19, 2026 Mr. Coons (for himself and Ms. Murkowski) introduced the following bill; which was read twice and referred to the Committee on Banking, Housing, and Urban Affairs _______________________________________________________________________ A BILL To amend the Credit Repair Organizations Act to add additional protections against harmful practices within the credit repair organization industry, 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 ``Ending Scam Credit Repair Act'' or the ``ESCRA Act''. SEC. 2. CREDIT REPAIR ORGANIZATION DEFINITION. Section 403(3) of the Credit Repair Organizations Act (15 U.S.C. 1679a(3))-- (1) in subparagraph (A), by inserting ``(not including anything received in return for representing a consumer in preparation for or during litigation)'' after ``consideration''; and (2) in subparagraph (B)-- (A) in the matter preceding clause (i), by inserting ``an entity or individual that is, in good faith and not for the purpose of evading this title'' after ``include''; (B) in clause (ii), by striking ``or'' at the end; (C) in clause (iii), by striking the period and inserting ``; or''; and (D) by adding at the end the following: ``(iv) any attorney that provides legal services rendered or to be rendered to a consumer in contemplation of or in connection with a case filed, or to be filed within 12 months, under title 11, United States Code, or the Consumer Credit Protection Act (15 U.S.C. 1601 et seq.), by an attorney within the same law firm.''. SEC. 3. PROHIBITED PRACTICES. (a) Untrue or Misleading Statements.-- (1) In general.--Section 404(a)(1) of the Credit Repair Organizations Act (15 U.S.C. 1679b(a)(1)) is amended-- (A) in the matter preceding subparagraph (A), by inserting ``knowingly'' before ``make any statement, or''; (B) in subparagraph (A), by striking ``or'' at the end; and (C) by adding at the end the following: ``(C) the Bureau of Consumer Financial Protection directly or through an online portal established to receive complaints, disputes, or reports of fraud; ``(D) the Federal Trade Commission directly or through an online portal established to receive complaints, disputes, or reports of fraud; or ``(E) any Federal, State, local, or Tribal law enforcement agency directly or through an online portal established to receive complaints, disputes, or reports of fraud;''. (2) Finding.--The Congress finds that it is unlawful, as of the date of enactment of this Act, to make materially false, fictitious, or fraudulent statements or representations to the Bureau of Consumer Financial Protection. (b) Additional Prohibited Practices.--Section 404 of the Credit Repair Organizations Act (15 U.S.C. 1679b) is amended-- (1) in subsection (a)(2)-- (A) in subparagraph (B)(ii), by striking the semicolon and inserting ``; or''; and (B) by adding at the end the following: ``(C) the Bureau of Consumer Financial Protection or the Federal Trade Commission;''; (2) by amending subsection (b) to read as follows: ``(b) Payment in Advance.-- ``(1) In general.--No credit repair organization may request or receive payment of any fee or consideration from a consumer for services represented to remove derogatory or inaccurate information from, or improve, the credit history of such consumer's credit history, credit record, or credit rating, or services related to such a representation, until the credit repair organization has provided such consumer with documentation in the form of a consumer report, issued not earlier than 180 days after the date on such service is rendered, from a consumer reporting agency that demonstrates that such representation has been achieved. ``(2) Rule of construction.--Nothing in this subsection shall be construed to alter the permissible purposes of furnishing a consumer report described in section 604 of the Fair Credit Reporting Act.''; and (3) by adding at the end the following: ``(c) Jamming.--A credit repair organization may not submit multiple disputes described in section 611 of the Fair Credit Reporting Act of the same information unless all of the following are true: ``(1) The consumer reporting agency or data furnisher has had the time permitted under the Fair Credit Reporting Act to conduct a reasonable investigation on the prior dispute. ``(2) The consumer reporting agency or data furnisher has returned the results of its investigation to the consumer with respect to such dispute, unless there are material changes to the information submitted with the dispute. ``(3) The credit repair organization includes with the resubmitted dispute a specific description of what information is inaccurate.''. SEC. 4. DISCLOSURES. Section 405 of the Credit Repair Organizations Act (15 U.S.C. 1679c) is amended-- (1) in the written statement in subsection (a)-- (A) in the second undesignated paragraph, by inserting ``Credit repair organizations do not provide any services that you cannot do yourself for free.'' after the period at the end of the fourth sentence; (B) in the eighth undesignated paragraph, by striking ``regulates'' and inserting ``and the Bureau of Consumer Financial Protection regulate''; and (C) by inserting ``The Bureau of Consumer Financial Protection 1700 G St. NW, Washington, DC 20552 Tel: 855-411-2372 TTY/TTD: 855-729-2372'' after ``20580''; and (2) in subsection (c)-- (A) in paragraph (1), by inserting ``and any recordings of telephone communications with the consumer'' before the period at the end; and (B) in paragraph (2)-- (i) in the heading, by striking ``2'' and inserting ``5''; (ii) by inserting ``and any telephone recordings with the consumer'' after ``consumer's statement''; (iii) by striking ``2'' and inserting ``5''; and (iv) by striking ``statement is signed by the consumer'' and inserting ``statement or the telephone recordings are created''. SEC. 5. CONSUMER CONTRACT REQUIRED. Section 407 of the Credit Repair Organizations Act (15 U.S.C. 1679e) is amended by striking subsection (c) and inserting the following: ``(c) Consumer Copy of Contract and Communications Required.-- ``(1) Contract.--Any consumer who enters into any contract with any credit repair organization shall be given, by the organization-- ``(A) a copy of the completed contract and the disclosure statement required under section 405; and ``(B) a copy of any other document the credit repair organization requires the consumer to sign, at the time the contract or the other document is signed. ``(2) Communications.--Any consumer described in paragraph (1) shall be given, by the organization copies of all communications sent on behalf of the consumer, at the time the communication is sent.''. SEC. 6. NONCOMPLIANCE. Section 408 of the Credit Repair Organizations Act (15 U.S.C. 1679f) is amended by adding at the end following: ``(d) Legal Services Within Credit Repair Organizations.--A credit repair organization shall be subject to this title regardless of whether the organization is, or employs, an attorney who also provides legal services to a consumer, except if such attorney is an attorney described in section 403(3)(B)(iv). ``(e) Credit Repair Organizations Without a State License.--On or after January 1, 2026, no person may act as a credit repair organization unless such person is licensed by a State.''. SEC. 7. CREDIT REPAIR ORGANIZATION COMMUNICATIONS WITH FURNISHERS OF INFORMATION. (a) In General.--The Credit Repair Organizations Act (15 U.S.C. 1679 et seq.) is amended by inserting after section 408 the following: ``SEC. 408A. CREDIT REPAIR ORGANIZATION COMMUNICATIONS WITH FURNISHERS OF INFORMATION. ``Disputes submitted to a person who furnishes information to a consumer reporting agency by or on behalf of a credit repair organization shall meet the following requirements: ``(1) If sent by mail, the dispute shall be transmitted by first class mail and list on the envelope the-- ``(A) name of the credit repair organization; and ``(B) State license number of the credit repair organization, if applicable. ``(2) The dispute shall list the-- ``(A) name of the credit repair organization; ``(B) State license number of the credit repair organization, if applicable; and ``(C) name of the consumer on whose behalf the dispute is submitted. ``(3) In the case of any additional communication after an initial dispute, the additional communication shall clearly and conspicuously identify any material changes to the information provided in the initial written dispute and include the information described in paragraphs (1) and (2). ``(4) In the case where a credit repair organization sells or otherwise provides an online or paper blank dispute form to be completed and filed by the consumer, such form must contain the-- ``(A) name and address of such credit repair organization; and ``(B) State license number of such credit repair organization, if applicable. ``(5) In the case where the person responds to a dispute submitted by a credit repair organization seeking clarifying information, verifying if the customer has actually engaged with the credit repair organization, or denying the accuracy of the underlying claim, the credit repair organization shall respond in writing within 15 business days. ``(6) In the case where the credit repair organization is an attorney, the attorney shall certify that any communication is consistent with any information or documentation provided by the consumer, confirmed based upon methods or means proven to be historically reliable and accurate. ``(7) A credit repair organization, when sending a dispute, shall disclose the fact that it is a credit repair organization by placing the following disclosure on the dispute letter: `This communication was submitted or prepared on behalf of the consumer by a credit repair organization, as defined in section 403 of the Credit Repair Organizations Act (15 U.S.C. 1679a).'''. (b) Clerical Amendment.--The table of contents for the Credit Repair Organizations Act is amended by inserting after the item relating to section 408 the following: ``408A. Credit repair organization communications with furnishers of information.''. SEC. 8. CIVIL LIABILITY. Section 409(a)(1) of the Credit Repair Organizations Act (15 U.S.C. 1679g(a)(1)) is amended-- (1) in the heading, by striking ``Actual damages'' and inserting ``Damages''; (2) in subparagraph (A), by striking ``or'' at the end; (3) in subparagraph (B), by striking the period at the end and inserting ``; or''; and (4) by adding at the end the following: ``(C) damages of $500 for each violation of this title.''. <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 zakończeniu oszustw w naprawie zdolności kredytowej (ESCRA)\",\n  \"pl_summary\": \"Ustawa wprowadza surowsze zasady dla firm obiecujących poprawę historii kredytowej, zakazując im pobierania opłat przed udowodnieniem efektów pracy. Obywatele zyskują lepszą ochronę przed nieuczciwymi praktykami oraz jasną informację, że usługi te mogą wykonać samodzielnie i bezpłatnie.\",\n  \"pl_key_points\": [\n    \"Zakaz pobierania opłat z góry – firma może wziąć pieniądze dopiero po pokazaniu raportu potwierdzającego poprawę danych.\",\n    \"Obowiązkowa informacja dla klienta, że wszystkie działania naprawcze może on wykonać sam za darmo.\",\n    \"Wymóg posiadania licencji stanowej przez firmy zajmujące się naprawą kredytów od 2026 roku.\",\n    \"Prawo klienta do otrzymania kopii każdej wiadomości wysłanej w jego imieniu do banków lub biur kredytowych.\",\n    \"Odszkodowanie w wysokości 500 USD za każde naruszenie przepisów przez firmę naprawiającą kredyt.\"\n  ],\n  \"eng_ai_title\": \"Ending Scam Credit Repair Act (ESCRA) to Protect Consumers\",\n  \"eng_summary\": \"This act strengthens protections against predatory credit repair companies by banning upfront fees and requiring proof of results before payment. It ensures citizens are informed that they can perform credit repair tasks themselves for free.\",\n  \"eng_key_points\": [\n    \"No upfront fees: Companies can only charge after providing a credit report showing actual improvements.\",\n    \"Mandatory disclosure stating that consumers can perform credit repair services themselves for free.\",\n    \"Requirement for credit repair organizations to be licensed by the state starting in 2026.\",\n    \"Consumers must receive copies of all communications sent on their behalf to creditors or agencies.\",\n    \"Statutory damages of $500 for each violation of the law by the organization.\"\n  ],\n  \"de_ai_title\": \"Gesetz zur Beendigung von Betrug bei der Kreditreparatur (ESCRA)\",\n  \"de_summary\": \"Dieses Gesetz verschärft die Regeln für Unternehmen, die eine Verbesserung der Kreditwürdigkeit versprechen, und verbietet Vorauszahlungen ohne Erfolgsnachweis. Bürger werden darüber informiert, dass sie diese Korrekturen auch kostenlos selbst vornehmen können.\",\n  \"de_key_points\": [\n    \"Verbot von Vorauszahlungen: Gebühren dürfen erst nach Vorlage eines Berichts erhoben werden, der die Verbesserung belegt.\",\n    \"Verpflichtender Hinweis, dass Verbraucher Kreditkorrekturen kostenlos selbst durchführen können.\",\n    \"Staatliche Lizenzpflicht für alle Unternehmen, die Kreditreparaturdienste ab 2026 anbieten.\",\n    \"Anspruch auf Kopien aller Schreiben, die im Namen des Kunden an Kreditauskunfteien gesendet werden.\",\n    \"Schadensersatz von 500 USD für jeden Verstoß gegen das Gesetz durch das Unternehmen.\"\n  ],\n  \"fr_ai_title\": \"Loi ESCRA visant à mettre fin aux arnaques à la réparation de crédit\",\n  \"fr_summary\": \"Cette loi renforce la protection des consommateurs contre les entreprises de réparation de crédit malhonnêtes en interdisant les frais d'avance. Elle oblige ces entreprises à informer les citoyens qu'ils peuvent effectuer ces démarches gratuitement par eux-mêmes.\",\n  \"fr_key_points\": [\n    \"Interdiction des frais d'avance : le paiement n'est dû qu'après preuve de l'amélioration du dossier de crédit.\",\n    \"Obligation d'informer le client que les services de réparation de crédit peuvent être faits soi-même gratuitement.\",\n    \"Exigence d'une licence d'État pour exercer l'activité de réparation de crédit dès 2026.\",\n    \"Droit pour le consommateur de recevoir une copie de chaque communication envoyée en son nom.\",\n    \"Indemnisation de 500 USD pour chaque violation des règles par l'organisation.\"\n  ],\n  \"es_ai_title\": \"Ley ESCRA para poner fin a las estafas en la reparación de crédito\",\n  \"es_summary\": \"Esta ley protege a los ciudadanos contra empresas de reparación de crédito abusivas al prohibir el cobro de tarifas por adelantado. Además, exige informar a los usuarios que pueden realizar estos trámites ellos mismos de forma gratuita.\",\n  \"es_key_points\": [\n    \"Prohibición de cobros por adelantado: solo se paga tras demostrar con un informe la mejora del crédito.\",\n    \"Aviso obligatorio de que el consumidor puede realizar los mismos trámites gratis por su cuenta.\",\n    \"Requisito de licencia estatal para todas las organizaciones de reparación de crédito a partir de 2026.\",\n    \"Derecho a recibir copias de todas las comunicaciones enviadas en nombre del cliente.\",\n    \"Indemnización de 500 USD por cada infracción cometida por la empresa.\"\n  ],\n  \"it_ai_title\": \"Legge ESCRA per fermare le truffe nella riparazione del credito\",\n  \"it_summary\": \"Questa legge rafforza la tutela dei consumatori contro le società di riparazione del credito scorrette, vietando il pagamento anticipato dei servizi. Obbliga inoltre a informare i cittadini che possono gestire gratuitamente le proprie pratiche creditizie.\",\n  \"it_key_points\": [\n    \"Divieto di pagamenti anticipati: le tariffe si pagano solo dopo la prova documentale del miglioramento del credito.\",\n    \"Informativa obbligatoria che spiega come il cittadino possa fare tutto da solo gratuitamente.\",\n    \"Obbligo di licenza statale per operare come organizzazione di riparazione del credito dal 2026.\",\n    \"Diritto del cliente a ricevere copia di ogni comunicazione inviata a suo nome.\",\n    \"Risarcimento di 500 USD per ogni singola violazione della legge.\"\n  ],\n  \"nl_ai_title\": \"ESCRA-wet ter bestrijding van fraude bij kredietherstel\",\n  \"nl_summary\": \"Deze wet beschermt burgers tegen malafide kredietherstelbedrijven door voorafbetalingen te verbieden totdat resultaten zijn bewezen. Bedrijven moeten klanten laten weten dat zij deze diensten ook gratis zelf kunnen uitvoeren.\",\n  \"nl_key_points\": [\n    \"Verbod op vooraf betalen: kosten mogen pas worden geïnd na bewijs van verbetering in het kredietrapport.\",\n    \"Verplichte melding dat consumenten kredietherstel gratis zelf kunnen doen.\",\n    \"Verplichting voor kredietherstelorganisaties om vanaf 2026 over een staatslicentie te beschikken.\",\n    \"Recht op kopieën van alle communicatie die namens de klant naar instanties wordt gestuurd.\",\n    \"Schadevergoeding van 500 USD voor elke overtreding door het bedrijf.\"\n  ],\n  \"pt_ai_title\": \"Lei ESCRA para acabar com fraudes na recuperação de crédito\",\n  \"pt_summary\": \"Esta lei reforça a proteção dos cidadãos contra empresas de recuperação de crédito abusivas, proibindo cobranças antecipadas. Garante que os consumidores saibam que podem realizar esses serviços gratuitamente por conta própria.\",\n  \"pt_key_points\": [\n    \"Proibição de taxas antecipadas: o pagamento só ocorre após a prova de melhoria no histórico de crédito.\",\n    \"Aviso obrigatório de que o consumidor pode fazer a recuperação de crédito sozinho e de graça.\",\n    \"Exigência de licença estadual para empresas que atuam no setor de reparação de crédito a partir de 2026.\",\n    \"Direito de receber cópias de todas as comunicações enviadas em nome do cliente.\",\n    \"Indemnização de 500 USD por cada violação das normas pela empresa.\"\n  ],\n  \"category\": [\"Economy\", \"Courts and Law\"]\n}"
    }
  ]
}