{
  "legislationId": "119_S_4198",
  "lastUpdate": "2026-04-07T19:09:08.775Z",
  "history": [
    {
      "timestamp": "2026-04-07T19:09:08.775Z",
      "source_url": "https://www.congress.gov/119/bills/s4198/BILLS-119s4198is.htm",
      "model": "gemini-3.1-pro-preview",
      "prompt_sent": "\nJesteś LEGISLATIVE SURGEON.\nTwoim zadaniem jest audyt i naprawa streszczenia (JSON) pod kątem zgodności z tekstem źródłowym (SOURCE).\nZASADA FUNDAMENTALNA: \"NO NEW INFORMATION\" (żadnych nowych informacji).\nStreszczenie może jedynie transformować informacje zawarte w SOURCE (skracać, tłumaczyć, sumować). Nie może generować nowych informacji, których nie ma w SOURCE.\n\nPROCEDURA WERYFIKACJI (wykonaj dla każdego zdania w JSON):\nZadaj sobie pytanie: \"Czy potrafię wskazać w SOURCE konkretny fragment, który potwierdza to stwierdzenie?\"\nJEŚLI ODPOWIEDŹ BRZMI \"TAK\":\nInformacja jest potwierdzona cytatem, synonimem lub wynikiem matematycznym z danych w tekście.\nDECYZJA: Zostaw bez zmian.\nJEŚLI ODPOWIEDŹ BRZMI \"NIE\":\nInformacji nie ma w tekście (jest to halucynacja, zewnętrzna wiedza modelu, nadinterpretacja lub niepotrzebna ekstrapolacja).\nDECYZJA: Usuń tę informację lub zmień ją tak, aby miała pokrycie w tekście.\nJEŚLI ODPOWIEDŹ BRZMI \"TO ZALEŻY\":\nTekst jest niejasny, a streszczenie \"zgaduje\" (np. podając konkretny przykład dla ogólnego terminu).\nDECYZJA: Bądź bezpieczny. Usuń zgadywanie. Użyj terminologii z tekstu.\n\nKATEGORIE RYZYKA (szczególna uwaga):\nDaty (start obowiązywania vs start finansowania).\nLiczby (konkretne kwoty muszą wynikać z tekstu).\nPodmioty (kto co robi).\nZakres (co ustawa obejmuje, a czego nie).\n\nINPUT:\n--- SOURCE_TEXT START ---\n[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [S. 4198 Introduced in Senate (IS)] <DOC> 119th CONGRESS 2d Session S. 4198 To amend the Federal Deposit Insurance Act to provide deposit insurance for noninterest-bearing transaction accounts, and for other purposes. _______________________________________________________________________ IN THE SENATE OF THE UNITED STATES March 25, 2026 Mr. Hagerty (for himself, Ms. Alsobrooks, Mr. Banks, Ms. Cortez Masto, Mrs. Hyde-Smith, Mr. Gallego, and Mr. Wicker) introduced the following bill; which was read twice and referred to the Committee on Banking, Housing, and Urban Affairs _______________________________________________________________________ A BILL To amend the Federal Deposit Insurance Act to provide deposit insurance for noninterest-bearing transaction accounts, and for other purposes. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. SHORT TITLE. This Act may be cited as the ``Main Street Depositor Protection Act''. SEC. 2. TRANSACTION ACCOUNT INSURANCE. (a) Depository Institutions.-- (1) In general.--Section 11(a)(1) of the Federal Deposit Insurance Act (12 U.S.C. 1821(a)(1)) is amended by striking subparagraph (B) and inserting the following: ``(B) Net amount of insured deposit.-- ``(i) In general.--The net amount due to any depositor at an insured depository institution shall not exceed the sum of-- ``(I) the standard maximum deposit insurance amount as determined in accordance with subparagraphs (C), (D), (E), and (F) and paragraph (3); and ``(II) the net amount under clause (ii). ``(ii) Insurance for noninterest-bearing transaction accounts.-- ``(I) In general.--Except as provided in subclause (IV), not later than the end of the 6-month period beginning on the date of enactment of this clause, the Corporation shall insure the net amount that any depositor maintains, in the aggregate, in 1 or more noninterest-bearing transaction accounts at an insured depository institution, in the amount determined under subclause (II). ``(II) Insured amount.--The Corporation shall issue a rule to establish the maximum amount for insurance described in subclause (I), which shall be in an amount that is-- ``(aa) not less than the standard maximum deposit insurance amount on the date such rule is issued; ``(bb) not more than $5,000,000; and ``(cc) based on considerations of enhancing the financial stability of the banking system, promoting economic growth, and providing for the safety of the Deposit Insurance Fund. ``(III) Aggregation.--For the purpose of determining the net amount due to any depositor under subclause (I), the Corporation shall aggregate the amounts of all deposits in noninterest-bearing transaction accounts at insured depository institutions that are subsidiaries of a single depository institution holding company. ``(IV) Exclusion.-- ``(aa) Definition.--In this subclause, the term `foreign bank' does not include any bank organized under the laws of any territory of the United States, Puerto Rico, Guam, American Samoa, or the Virgin Islands, the deposits of which are insured by the Corporation pursuant to this Act. ``(bb) Exclusion.--The Corporation may not insure under subclause (I) amounts maintained at-- ``(AA) any insured depository institution that is a subsidiary of a bank holding company that is identified as a global systemically important BHC under section 217.402 of title 12, Code of Federal Regulations (or any successor regulation); or ``(BB) any insured branch of a foreign bank. ``(cc) Rule of construction.--Nothing in this subclause may be construed to exclude any insured depository institution described in subitem (AA) from the standard maximum deposit insurance amount described in clause (i)(I). ``(V) No subsequent adjustments.-- After the Corporation issues a rule pursuant to subclause (II), the amount of insurance provided under subclause (I) may not subsequently be modified or repealed except by an Act of Congress.''. (2) Technical and conforming amendment.--Section 3(m) of the Federal Deposit Insurance Act (12 U.S.C. 1813(m)) is amended-- (A) in paragraph (1), by inserting ``, including deposits in a noninterest-bearing transaction account,'' after ``deposits''; and (B) by adding at the end the following: ``(5) Noninterest-bearing transaction account.--The term `noninterest-bearing transaction account' means a deposit or account maintained at an insured depository institution-- ``(A) with respect to which interest is neither accrued nor paid; ``(B) on which the depositor or account holder is permitted to make withdrawals by negotiable or transferable instrument, payment orders of withdrawal, telephone or other electronic media transfers, or other similar items for the purpose of making payments or transfers to third parties or others; and ``(C) on which the insured depository institution does not reserve the right to require advance notice of an intended withdrawal.''. (3) Assessments.--During the transition period under subsection (c), no insured depository institution with total assets of $10,000,000,000 or less shall be required to pay-- (A) any special assessment under section 7(b)(5) or 13(c)(4)(G) of the Federal Deposit Insurance Act (12 U.S.C. 1817(b)(5), 1823(c)(4)(G)) as a condition to insurance on a noninterest-bearing transaction account, as defined in paragraph (5) of section 3(m) of the Federal Deposit Insurance Act (12 U.S.C. 1813(m)), as added by paragraph (2) of this subsection; or (B) any increase in assessments under section 7(b)(2) of the Federal Deposit Insurance Act (12 U.S.C. 1817(b)(2)) solely to offset any impact on the reserve ratio arising out of the extension of insurance to noninterest-bearing transaction accounts in excess of the standard maximum deposit insurance amount as determined in accordance with subparagraphs (C), (D), (E), and (F) of paragraph (1) and paragraph (3) of section 11(a) of that Act (12 U.S.C. 1821(a)). (b) Credit Unions.-- (1) In general.--Section 207(k)(1)(A) of the Federal Credit Union Act (12 U.S.C. 1787(k)(1)(A)) is amended-- (A) by striking ``Subject to the provisions of paragraph (2), the net amount'' and inserting the following: ``(i) Net amount of insurance payable.-- Subject to clause (ii) and the provisions of paragraph (2), the net amount''; and (B) by adding at the end the following: ``(ii) Insurance for noninterest-bearing transaction accounts.-- ``(I) In general.--Notwithstanding clause (i), the Board shall insure the net amount that any member, or any person with funds lawfully held in a member account, maintains, in the aggregate, in 1 or more noninterest- bearing transaction accounts at an insured credit union. ``(II) Insured amount.--The maximum amount for insurance described in subclause (I) shall be the maximum amount determined in the rule issued by the Federal Deposit Insurance Corporation pursuant to section 11(a)(1)(B)(ii)(II) of the Federal Deposit Insurance Act (12 U.S.C. 1821(a)(1)(B)(ii)(II)). ``(III) Exclusion.--The amount described in subclause (I) shall not be taken into account when computing the net amount due to a member, or to any person with funds lawfully held in a member account, described in that subclause under clause (i).''. (2) Technical and conforming amendments.--Section 101 of the Federal Credit Union Act (12 U.S.C. 1752) is amended-- (A) in paragraph (5), by inserting ``such terms mean a noninterest-bearing transaction account,'' after ``Act,''; (B) in paragraph (8), by striking ``and'' at the end; (C) in paragraph (9), by striking the period at the end and inserting ``; and''; and (D) by adding at the end the following: ``(10) The term `noninterest-bearing transaction account' means an account of a member, or nonmember that is eligible to maintain an insured account, maintained at an insured credit union-- ``(A) with respect to which interest is neither accrued nor paid; ``(B) on which the member or account holder is permitted to make withdrawals by negotiable or transferable instrument, payment orders of withdrawal, telephone or other electronic media transfers, or other similar items for the purpose of making payments or transfers to third parties or others; and ``(C) on which the insured credit union does not reserve the right to require advance notice of an intended withdrawal.''. (c) Transition Period.-- (1) Depository institutions.-- (A) In general.--Notwithstanding any other provision of law, insured deposits in noninterest- bearing transaction accounts, as described in clause (ii) of section 11(a)(1)(B) of the Federal Deposit Insurance Act (12 U.S.C. 1821(a)(1)(B)), as added by subsection (a)(1) of this section, shall be included in the determination of the value of the estimated insured deposits described in sections 3(y)(3) and 7(b)(3)(B) of that Act (12 U.S.C. 1813(y)(3), 1817(b)(3)(B)) in accordance with the plan required under subparagraph (B). (B) Plan.--Not later than 1 year after the date of enactment of this Act, the Federal Deposit Insurance Corporation shall publish in the Federal Register a plan for gradually increasing, during the period ending on the date that is 10 years after the date of enactment of this Act, the portion of insured deposits described in subparagraph (A) in the determination described in that subparagraph, reaching 100 percent at the end of the period. (2) Credit unions.-- (A) In general.--Notwithstanding any other provision of law, insured shares in noninterest-bearing transaction accounts, as described in clause (ii) of section 207(k)(1)(A) of the Federal Credit Union Act (12 U.S.C. 1787(k)(1)(A)), as added by subsection (b)(1) of this section, shall be included in the determination of the value of the aggregate amount of the insured shares, as defined in section 202(h) of that Act (12 U.S.C. 1782(h)), in accordance with the plan required under subparagraph (B). (B) Plan.--Not later than 1 year after the date of enactment of this Act, the National Credit Union Administration Board shall publish in the Federal Register a plan for gradually increasing, during the period ending on the date that is 10 years after the date of enactment of this Act, the portion of insured shares described in subparagraph (A) in the determination described in that subparagraph, reaching 100 percent at the end of the period. (C) Regulations.--The National Credit Union Administration Board may promulgate regulations to ensure that the National Credit Union Share Insurance Fund remains well-capitalized. (d) Regulations.--The Federal Deposit Insurance Corporation and the National Credit Union Administration Board may promulgate regulations carrying out the amendments made by this section, including prohibiting insured depository institutions, as defined in section 3 of the Federal Deposit Insurance Act (12 U.S.C. 1813), insured credit unions, as defined in section 101 of the Federal Credit Union Act (12 U.S.C. 1752), and third parties, as applicable, from evading the limitation of insurance established under those amendments to only-- (1) noninterest-bearing transaction accounts; (2) deposits or accounts at insured depository institutions not excluded under clause (ii)(IV) of section 11(a)(1)(B) of the Federal Deposit Insurance Act (12 U.S.C. 1821(a)(1)(B)), as added by subsection (a) of this section; and (3) shares, deposits, or accounts at insured credit unions. <all>\n--- SOURCE_TEXT END ---\n\n--- FLAGGED_JSON START ---\n{\n  \"pl_ai_title\": \"Ustawa o ochronie depozytów na kontach bieżących: wyższe gwarancje dla obywateli\",\n  \"pl_summary\": \"Ustawa zwiększa ochronę pieniędzy na nieoprocentowanych kontach bankowych, podnosząc limit gwarancji depozytów nawet do 5 milionów dolarów. Zmiana ta ma na celu zwiększenie bezpieczeństwa oszczędności obywateli i stabilność mniejszych banków lokalnych.\",\n  \"pl_key_points\": [\n    \"Wyższe gwarancje dla kont nieoprocentowanych (np. zwykłych kont czekowych) do kwoty 5 mln USD.\",\n    \"Ochrona dotyczy mniejszych banków i unii kredytowych, z wyłączeniem największych globalnych instytucji finansowych.\",\n    \"Mniejsze banki (do 10 mld USD aktywów) nie będą obciążone dodatkowymi opłatami za to ubezpieczenie w okresie przejściowym.\",\n    \"Nowe zasady będą wprowadzane stopniowo w ciągu 10 lat, aby zapewnić stabilność systemu finansowego.\"\n  ],\n  \"eng_ai_title\": \"Main Street Depositor Protection Act: Higher Insurance for Checking Accounts\",\n  \"eng_summary\": \"This bill increases the insurance limit for noninterest-bearing checking accounts at most banks and credit unions, potentially up to $5 million. It aims to protect everyday depositors and support local financial institutions by making their accounts safer.\",\n  \"eng_key_points\": [\n    \"Increased deposit insurance for noninterest-bearing accounts, with a new limit between $250,000 and $5,000,000.\",\n    \"The extra protection applies to community banks and credit unions, but excludes the largest global 'too big to fail' banks.\",\n    \"Small banks with assets under $10 billion are exempt from certain fees related to this new insurance during the transition.\",\n    \"The changes will be phased in over a 10-year period to maintain the health of the national deposit insurance fund.\"\n  ],\n  \"de_ai_title\": \"Main Street Depositor Protection Act: Höhere Absicherung für Girokonten\",\n  \"de_summary\": \"Dieses Gesetz erhöht den Versicherungsschutz für unverzinste Girokonten bei den meisten Banken und Kreditgenossenschaften auf bis zu 5 Millionen Dollar. Es soll die Ersparnisse der Bürger besser schützen und die Stabilität lokaler Finanzinstitute stärken.\",\n  \"de_key_points\": [\n    \"Höhere Einlagensicherung für unverzinste Konten mit einem neuen Limit zwischen 250.000 und 5.000.000 USD.\",\n    \"Der Schutz gilt für lokale Banken und Kreditgenossenschaften, schließt jedoch die größten globalen systemrelevanten Banken aus.\",\n    \"Kleine Banken mit einem Vermögen von weniger als 10 Milliarden USD sind während einer Übergangsphase von zusätzlichen Gebühren befreit.\",\n    \"Die Änderungen werden über einen Zeitraum von 10 Jahren schrittweise eingeführt.\"\n  ],\n  \"fr_ai_title\": \"Loi sur la protection des déposants : assurance accrue pour les comptes courants\",\n  \"fr_summary\": \"Ce projet de loi augmente le plafond d'assurance pour les comptes courants ne portant pas d'intérêts, pouvant atteindre 5 millions de dollars. Il vise à sécuriser les fonds des citoyens et à soutenir les banques locales.\",\n  \"fr_key_points\": [\n    \"Augmentation de la garantie des dépôts pour les comptes non rémunérés jusqu'à un maximum de 5 millions de dollars.\",\n    \"L'extension de garantie exclut les plus grandes banques mondiales dites 'systémiques'.\",\n    \"Les petites banques bénéficient d'une dispense de certains frais d'assurance pendant une période de transition.\",\n    \"La mise en œuvre complète de ces nouvelles protections s'étalera sur une période de 10 ans.\"\n  ],\n  \"es_ai_title\": \"Ley de Protección de Depositantes: Mayor seguro para cuentas corrientes\",\n  \"es_summary\": \"Esta ley aumenta el límite del seguro para las cuentas corrientes que no generan intereses, pudiendo llegar hasta los 5 millones de dólares. Busca proteger los ahorros de los ciudadanos y fortalecer la confianza en los bancos locales.\",\n  \"es_key_points\": [\n    \"Seguro de depósitos ampliado para cuentas sin intereses, con un nuevo límite de hasta 5.000.000 de dólares.\",\n    \"La protección se aplica a bancos comunitarios y cooperativas de crédito, excluyendo a los grandes bancos globales.\",\n    \"Los bancos pequeños con activos menores a 10 mil millones de dólares no pagarán cargos adicionales por este seguro durante la transición.\",\n    \"Los cambios se implementarán gradualmente a lo largo de 10 años para garantizar la estabilidad.\"\n  ],\n  \"it_ai_title\": \"Legge sulla protezione dei depositanti: maggiore assicurazione per i conti correnti\",\n  \"it_summary\": \"Questa legge aumenta il limite di assicurazione per i conti correnti infruttiferi presso la maggior parte delle banche, fino a un massimo di 5 milioni di dollari. L'obiettivo è proteggere i risparmi dei cittadini e sostenere la stabilità delle banche locali.\",\n  \"it_key_points\": [\n    \"Garanzia dei depositi aumentata per i conti che non pagano interessi, con un limite tra 250.000 e 5.000.000 di dollari.\",\n    \"La protezione extra riguarda le banche locali e le unioni di credito, escludendo i colossi bancari globali.\",\n    \"Le piccole banche sono esentate da costi aggiuntivi per questa assicurazione durante una fase di transizione.\",\n    \"Il piano prevede un'introduzione graduale delle nuove regole nell'arco di 10 anni.\"\n  ],\n  \"nl_ai_title\": \"Wet bescherming depositohouders: hogere verzekering voor betaalrekeningen\",\n  \"nl_summary\": \"Deze wet verhoogt de verzekeringslimiet voor renteloze betaalrekeningen bij de meeste banken tot maximaal 5 miljoen dollar. Het doel is om het geld van burgers beter te beschermen en lokale banken te versterken.\",\n  \"nl_key_points\": [\n    \"Verhoogde depositogarantie voor renteloze rekeningen tot een bedrag van 5 miljoen dollar.\",\n    \"De extra bescherming geldt voor lokale banken, maar niet voor de allergrootste wereldwijde banken.\",\n    \"Kleine banken zijn tijdens een overgangsperiode vrijgesteld van extra kosten voor deze verzekering.\",\n    \"De nieuwe regels worden over een periode van 10 jaar stapsgewijs ingevoerd.\"\n  ],\n  \"pt_ai_title\": \"Lei de Proteção de Depositantes: maior seguro para contas correntes\",\n  \"pt_summary\": \"Esta lei aumenta o limite do seguro para contas correntes que não rendem juros, podendo chegar a 5 milhões de dólares. O objetivo é proteger as poupanças dos cidadãos e reforçar a estabilidade dos bancos locais.\",\n  \"pt_key_points\": [\n    \"Seguro de depósitos alargado para contas sem juros, com um novo limite de até 5.000.000 de dólares.\",\n    \"A proteção aplica-se a bancos comunitários e cooperativas de crédito, excluindo os grandes bancos globais.\",\n    \"Bancos pequenos com ativos até 10 mil milhões de dólares estão isentos de taxas adicionais durante a transição.\",\n    \"As mudanças serão implementadas gradualmente ao longo de um período de 10 anos.\"\n  ],\n  \"category\": [\n    \"Economy\"\n  ]\n}\n--- FLAGGED_JSON END ---\n\nOUTPUT:\nWyłącznie naprawiony obiekt JSON zgodny ze strukturą:\n{\n  \"pl_ai_title\": \"...\", \"pl_summary\": \"...\", \"pl_key_points\": [...],\n  \"eng_ai_title\": \"...\", \"eng_summary\": \"...\", \"eng_key_points\": [...],\n  \"de_ai_title\": \"...\", \"de_summary\": \"...\", \"de_key_points\": [...],\n  \"fr_ai_title\": \"...\", \"fr_summary\": \"...\", \"fr_key_points\": [...],\n  \"es_ai_title\": \"...\", \"es_summary\": \"...\", \"es_key_points\": [...],\n  \"it_ai_title\": \"...\", \"it_summary\": \"...\", \"it_key_points\": [...],\n  \"nl_ai_title\": \"...\", \"nl_summary\": \"...\", \"nl_key_points\": [...],\n  \"pt_ai_title\": \"...\", \"pt_summary\": \"...\", \"pt_key_points\": [...],\n  \"category\": [\"...\"]\n}\n\n",
      "ai_response_raw": "{\n  \"pl_ai_title\": \"Ustawa o ochronie depozytów: ubezpieczenie dla nieoprocentowanych kont transakcyjnych\",\n  \"pl_summary\": \"Ustawa wprowadza ubezpieczenie depozytów dla nieoprocentowanych kont transakcyjnych w ubezpieczonych instytucjach depozytowych i unii kredytowych. Limit ubezpieczenia ma zostać ustalony na poziomie nie wyższym niż 5 milionów dolarów.\",\n  \"pl_key_points\": [\n    \"Wprowadzenie ubezpieczenia dla nieoprocentowanych kont transakcyjnych z maksymalnym limitem do 5 mln USD.\",\n    \"Wyłączenie z ubezpieczenia instytucji będących spółkami zależnymi globalnych banków o znaczeniu systemowym oraz ubezpieczonych oddziałów banków zagranicznych.\",\n    \"Instytucje o aktywach do 10 mld USD są zwolnione z określonych opłat specjalnych w okresie przejściowym.\",\n    \"Stopniowe wprowadzanie zmian w określaniu wartości ubezpieczonych depozytów w ciągu 10 lat.\"\n  ],\n  \"eng_ai_title\": \"Main Street Depositor Protection Act: Insurance for Noninterest-Bearing Transaction Accounts\",\n  \"eng_summary\": \"This bill provides deposit insurance for noninterest-bearing transaction accounts at insured depository institutions and credit unions. The insurance limit is to be established at an amount not more than $5,000,000.\",\n  \"eng_key_points\": [\n    \"Introduction of deposit insurance for noninterest-bearing transaction accounts with a maximum limit of up to $5,000,000.\",\n    \"Exclusion from this insurance for subsidiaries of global systemically important bank holding companies and insured branches of foreign banks.\",\n    \"Institutions with total assets of $10 billion or less are exempt from certain special assessments during the transition period.\",\n    \"Gradual phase-in of the changes in determining the value of insured deposits over a 10-year period.\"\n  ],\n  \"de_ai_title\": \"Main Street Depositor Protection Act: Einlagensicherung für unverzinste Transaktionskonten\",\n  \"de_summary\": \"Dieses Gesetz sieht eine Einlagensicherung für unverzinste Transaktionskonten bei versicherten Verwahrstellen und Kreditgenossenschaften vor. Die Versicherungsgrenze soll auf höchstens 5 Millionen Dollar festgelegt werden.\",\n  \"de_key_points\": [\n    \"Einführung einer Einlagensicherung für unverzinste Transaktionskonten mit einem Höchstbetrag von bis zu 5.000.000 USD.\",\n    \"Ausschluss von Tochtergesellschaften global systemrelevanter Bankholdinggesellschaften und versicherten Zweigstellen ausländischer Banken von dieser Versicherung.\",\n    \"Institute mit einer Bilanzsumme von 10 Milliarden USD oder weniger sind während der Übergangszeit von bestimmten Sonderabgaben befreit.\",\n    \"Schrittweise Einführung der Änderungen bei der Bestimmung des Wertes der versicherten Einlagen über einen Zeitraum von 10 Jahren.\"\n  ],\n  \"fr_ai_title\": \"Loi sur la protection des déposants : assurance pour les comptes de transaction ne portant pas d'intérêts\",\n  \"fr_summary\": \"Ce projet de loi prévoit une assurance des dépôts pour les comptes de transaction ne portant pas d'intérêts dans les institutions de dépôt et les coopératives de crédit assurées. Le plafond d'assurance doit être fixé à un montant n'excédant pas 5 millions de dollars.\",\n  \"fr_key_points\": [\n    \"Introduction d'une assurance des dépôts pour les comptes de transaction ne portant pas d'intérêts avec un plafond maximum de 5 000 000 USD.\",\n    \"Exclusion de cette assurance pour les filiales de sociétés holding bancaires d'importance systémique mondiale et les succursales assurées de banques étrangères.\",\n    \"Les institutions dont le total des actifs est inférieur ou égal à 10 milliards de dollars sont exemptées de certaines cotisations spéciales pendant la période de transition.\",\n    \"Mise en œuvre progressive des modifications dans la détermination de la valeur des dépôts assurés sur une période de 10 ans.\"\n  ],\n  \"es_ai_title\": \"Ley de Protección de Depositantes: Seguro para cuentas de transacciones sin intereses\",\n  \"es_summary\": \"Este proyecto de ley proporciona un seguro de depósitos para cuentas de transacciones que no devengan intereses en instituciones de depósito aseguradas y cooperativas de crédito. El límite del seguro se establecerá en una cantidad no superior a 5 millones de dólares.\",\n  \"es_key_points\": [\n    \"Introducción de un seguro de depósitos para cuentas de transacciones sin intereses con un límite máximo de hasta 5.000.000 de dólares.\",\n    \"Exclusión de este seguro para las filiales de sociedades de cartera bancarias de importancia sistémica mundial y las sucursales aseguradas de bancos extranjeros.\",\n    \"Las instituciones con activos totales de 10 mil millones de dólares o menos están exentas de ciertas evaluaciones especiales durante el período de transición.\",\n    \"Implementación gradual de los cambios en la determinación del valor de los depósitos asegurados durante un período de 10 años.\"\n  ],\n  \"it_ai_title\": \"Legge sulla protezione dei depositanti: assicurazione per i conti di transazione infruttiferi\",\n  \"it_summary\": \"Questo disegno di legge fornisce un'assicurazione sui depositi per i conti di transazione infruttiferi presso istituti di deposito assicurati e unioni di credito. Il limite di assicurazione deve essere stabilito per un importo non superiore a 5 milioni di dollari.\",\n  \"it_key_points\": [\n    \"Introduzione dell'assicurazione sui depositi per i conti di transazione infruttiferi con un limite massimo fino a 5.000.000 di dollari.\",\n    \"Esclusione da questa assicurazione per le filiali di società di partecipazione bancaria di importanza sistemica globale e le filiali assicurate di banche straniere.\",\n    \"Le istituzioni con attività totali pari o inferiori a 10 miliardi di dollari sono esentate da determinati contributi speciali durante il periodo di transizione.\",\n    \"Introduzione graduale delle modifiche nella determinazione del valore dei depositi assicurati in un periodo di 10 anni.\"\n  ],\n  \"nl_ai_title\": \"Wet bescherming depositohouders: verzekering voor renteloze transactierekeningen\",\n  \"nl_summary\": \"Dit wetsvoorstel voorziet in een depositogarantie voor renteloze transactierekeningen bij verzekerde bewaarinstellingen en kredietverenigingen. De verzekeringslimiet wordt vastgesteld op een bedrag van maximaal 5 miljoen dollar.\",\n  \"nl_key_points\": [\n    \"Invoering van een depositogarantie voor renteloze transactierekeningen met een maximumlimiet tot 5.000.000 dollar.\",\n    \"Uitsluiting van deze verzekering voor dochterondernemingen van wereldwijd systeemrelevante bankholdings en verzekerde filialen van buitenlandse banken.\",\n    \"Instellingen met een balanstotaal van 10 miljard dollar of minder zijn tijdens de overgangsperiode vrijgesteld van bepaalde speciale heffingen.\",\n    \"Geleidelijke invoering van de wijzigingen in de bepaling van de waarde van verzekerde deposito's over een periode van 10 jaar.\"\n  ],\n  \"pt_ai_title\": \"Lei de Proteção de Depositantes: Seguro para contas de transação sem juros\",\n  \"pt_summary\": \"Este projeto de lei fornece seguro de depósitos para contas de transação que não rendem juros em instituições de depósito seguradas e cooperativas de crédito. O limite do seguro deve ser estabelecido num valor não superior a 5 milhões de dólares.\",\n  \"pt_key_points\": [\n    \"Introdução de seguro de depósitos para contas de transação sem juros com um limite máximo de até 5.000.000 de dólares.\",\n    \"Exclusão deste seguro para subsidiárias de holdings bancárias de importância sistémica global e sucursais seguradas de bancos estrangeiros.\",\n    \"Instituições com ativos totais de 10 mil milhões de dólares ou menos estão isentas de certas avaliações especiais durante o período de transição.\",\n    \"Implementação gradual das alterações na determinação do valor dos depósitos segurados ao longo de um período de 10 anos.\"\n  ],\n  \"category\": [\n    \"Economy\"\n  ]\n}"
    },
    {
      "timestamp": "2026-04-07T19:07:43.383Z",
      "source_url": "https://www.congress.gov/119/bills/s4198/BILLS-119s4198is.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. 4198 Introduced in Senate (IS)] <DOC> 119th CONGRESS 2d Session S. 4198 To amend the Federal Deposit Insurance Act to provide deposit insurance for noninterest-bearing transaction accounts, and for other purposes. _______________________________________________________________________ IN THE SENATE OF THE UNITED STATES March 25, 2026 Mr. Hagerty (for himself, Ms. Alsobrooks, Mr. Banks, Ms. Cortez Masto, Mrs. Hyde-Smith, Mr. Gallego, and Mr. Wicker) introduced the following bill; which was read twice and referred to the Committee on Banking, Housing, and Urban Affairs _______________________________________________________________________ A BILL To amend the Federal Deposit Insurance Act to provide deposit insurance for noninterest-bearing transaction accounts, and for other purposes. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. SHORT TITLE. This Act may be cited as the ``Main Street Depositor Protection Act''. SEC. 2. TRANSACTION ACCOUNT INSURANCE. (a) Depository Institutions.-- (1) In general.--Section 11(a)(1) of the Federal Deposit Insurance Act (12 U.S.C. 1821(a)(1)) is amended by striking subparagraph (B) and inserting the following: ``(B) Net amount of insured deposit.-- ``(i) In general.--The net amount due to any depositor at an insured depository institution shall not exceed the sum of-- ``(I) the standard maximum deposit insurance amount as determined in accordance with subparagraphs (C), (D), (E), and (F) and paragraph (3); and ``(II) the net amount under clause (ii). ``(ii) Insurance for noninterest-bearing transaction accounts.-- ``(I) In general.--Except as provided in subclause (IV), not later than the end of the 6-month period beginning on the date of enactment of this clause, the Corporation shall insure the net amount that any depositor maintains, in the aggregate, in 1 or more noninterest-bearing transaction accounts at an insured depository institution, in the amount determined under subclause (II). ``(II) Insured amount.--The Corporation shall issue a rule to establish the maximum amount for insurance described in subclause (I), which shall be in an amount that is-- ``(aa) not less than the standard maximum deposit insurance amount on the date such rule is issued; ``(bb) not more than $5,000,000; and ``(cc) based on considerations of enhancing the financial stability of the banking system, promoting economic growth, and providing for the safety of the Deposit Insurance Fund. ``(III) Aggregation.--For the purpose of determining the net amount due to any depositor under subclause (I), the Corporation shall aggregate the amounts of all deposits in noninterest-bearing transaction accounts at insured depository institutions that are subsidiaries of a single depository institution holding company. ``(IV) Exclusion.-- ``(aa) Definition.--In this subclause, the term `foreign bank' does not include any bank organized under the laws of any territory of the United States, Puerto Rico, Guam, American Samoa, or the Virgin Islands, the deposits of which are insured by the Corporation pursuant to this Act. ``(bb) Exclusion.--The Corporation may not insure under subclause (I) amounts maintained at-- ``(AA) any insured depository institution that is a subsidiary of a bank holding company that is identified as a global systemically important BHC under section 217.402 of title 12, Code of Federal Regulations (or any successor regulation); or ``(BB) any insured branch of a foreign bank. ``(cc) Rule of construction.--Nothing in this subclause may be construed to exclude any insured depository institution described in subitem (AA) from the standard maximum deposit insurance amount described in clause (i)(I). ``(V) No subsequent adjustments.-- After the Corporation issues a rule pursuant to subclause (II), the amount of insurance provided under subclause (I) may not subsequently be modified or repealed except by an Act of Congress.''. (2) Technical and conforming amendment.--Section 3(m) of the Federal Deposit Insurance Act (12 U.S.C. 1813(m)) is amended-- (A) in paragraph (1), by inserting ``, including deposits in a noninterest-bearing transaction account,'' after ``deposits''; and (B) by adding at the end the following: ``(5) Noninterest-bearing transaction account.--The term `noninterest-bearing transaction account' means a deposit or account maintained at an insured depository institution-- ``(A) with respect to which interest is neither accrued nor paid; ``(B) on which the depositor or account holder is permitted to make withdrawals by negotiable or transferable instrument, payment orders of withdrawal, telephone or other electronic media transfers, or other similar items for the purpose of making payments or transfers to third parties or others; and ``(C) on which the insured depository institution does not reserve the right to require advance notice of an intended withdrawal.''. (3) Assessments.--During the transition period under subsection (c), no insured depository institution with total assets of $10,000,000,000 or less shall be required to pay-- (A) any special assessment under section 7(b)(5) or 13(c)(4)(G) of the Federal Deposit Insurance Act (12 U.S.C. 1817(b)(5), 1823(c)(4)(G)) as a condition to insurance on a noninterest-bearing transaction account, as defined in paragraph (5) of section 3(m) of the Federal Deposit Insurance Act (12 U.S.C. 1813(m)), as added by paragraph (2) of this subsection; or (B) any increase in assessments under section 7(b)(2) of the Federal Deposit Insurance Act (12 U.S.C. 1817(b)(2)) solely to offset any impact on the reserve ratio arising out of the extension of insurance to noninterest-bearing transaction accounts in excess of the standard maximum deposit insurance amount as determined in accordance with subparagraphs (C), (D), (E), and (F) of paragraph (1) and paragraph (3) of section 11(a) of that Act (12 U.S.C. 1821(a)). (b) Credit Unions.-- (1) In general.--Section 207(k)(1)(A) of the Federal Credit Union Act (12 U.S.C. 1787(k)(1)(A)) is amended-- (A) by striking ``Subject to the provisions of paragraph (2), the net amount'' and inserting the following: ``(i) Net amount of insurance payable.-- Subject to clause (ii) and the provisions of paragraph (2), the net amount''; and (B) by adding at the end the following: ``(ii) Insurance for noninterest-bearing transaction accounts.-- ``(I) In general.--Notwithstanding clause (i), the Board shall insure the net amount that any member, or any person with funds lawfully held in a member account, maintains, in the aggregate, in 1 or more noninterest- bearing transaction accounts at an insured credit union. ``(II) Insured amount.--The maximum amount for insurance described in subclause (I) shall be the maximum amount determined in the rule issued by the Federal Deposit Insurance Corporation pursuant to section 11(a)(1)(B)(ii)(II) of the Federal Deposit Insurance Act (12 U.S.C. 1821(a)(1)(B)(ii)(II)). ``(III) Exclusion.--The amount described in subclause (I) shall not be taken into account when computing the net amount due to a member, or to any person with funds lawfully held in a member account, described in that subclause under clause (i).''. (2) Technical and conforming amendments.--Section 101 of the Federal Credit Union Act (12 U.S.C. 1752) is amended-- (A) in paragraph (5), by inserting ``such terms mean a noninterest-bearing transaction account,'' after ``Act,''; (B) in paragraph (8), by striking ``and'' at the end; (C) in paragraph (9), by striking the period at the end and inserting ``; and''; and (D) by adding at the end the following: ``(10) The term `noninterest-bearing transaction account' means an account of a member, or nonmember that is eligible to maintain an insured account, maintained at an insured credit union-- ``(A) with respect to which interest is neither accrued nor paid; ``(B) on which the member or account holder is permitted to make withdrawals by negotiable or transferable instrument, payment orders of withdrawal, telephone or other electronic media transfers, or other similar items for the purpose of making payments or transfers to third parties or others; and ``(C) on which the insured credit union does not reserve the right to require advance notice of an intended withdrawal.''. (c) Transition Period.-- (1) Depository institutions.-- (A) In general.--Notwithstanding any other provision of law, insured deposits in noninterest- bearing transaction accounts, as described in clause (ii) of section 11(a)(1)(B) of the Federal Deposit Insurance Act (12 U.S.C. 1821(a)(1)(B)), as added by subsection (a)(1) of this section, shall be included in the determination of the value of the estimated insured deposits described in sections 3(y)(3) and 7(b)(3)(B) of that Act (12 U.S.C. 1813(y)(3), 1817(b)(3)(B)) in accordance with the plan required under subparagraph (B). (B) Plan.--Not later than 1 year after the date of enactment of this Act, the Federal Deposit Insurance Corporation shall publish in the Federal Register a plan for gradually increasing, during the period ending on the date that is 10 years after the date of enactment of this Act, the portion of insured deposits described in subparagraph (A) in the determination described in that subparagraph, reaching 100 percent at the end of the period. (2) Credit unions.-- (A) In general.--Notwithstanding any other provision of law, insured shares in noninterest-bearing transaction accounts, as described in clause (ii) of section 207(k)(1)(A) of the Federal Credit Union Act (12 U.S.C. 1787(k)(1)(A)), as added by subsection (b)(1) of this section, shall be included in the determination of the value of the aggregate amount of the insured shares, as defined in section 202(h) of that Act (12 U.S.C. 1782(h)), in accordance with the plan required under subparagraph (B). (B) Plan.--Not later than 1 year after the date of enactment of this Act, the National Credit Union Administration Board shall publish in the Federal Register a plan for gradually increasing, during the period ending on the date that is 10 years after the date of enactment of this Act, the portion of insured shares described in subparagraph (A) in the determination described in that subparagraph, reaching 100 percent at the end of the period. (C) Regulations.--The National Credit Union Administration Board may promulgate regulations to ensure that the National Credit Union Share Insurance Fund remains well-capitalized. (d) Regulations.--The Federal Deposit Insurance Corporation and the National Credit Union Administration Board may promulgate regulations carrying out the amendments made by this section, including prohibiting insured depository institutions, as defined in section 3 of the Federal Deposit Insurance Act (12 U.S.C. 1813), insured credit unions, as defined in section 101 of the Federal Credit Union Act (12 U.S.C. 1752), and third parties, as applicable, from evading the limitation of insurance established under those amendments to only-- (1) noninterest-bearing transaction accounts; (2) deposits or accounts at insured depository institutions not excluded under clause (ii)(IV) of section 11(a)(1)(B) of the Federal Deposit Insurance Act (12 U.S.C. 1821(a)(1)(B)), as added by subsection (a) of this section; and (3) shares, deposits, or accounts at insured credit unions. <all>\n\nSUMMARY TO EVALUATE:\nTitle: Main Street Depositor Protection Act: Higher Insurance for Checking Accounts\nSummary: This bill increases the insurance limit for noninterest-bearing checking accounts at most banks and credit unions, potentially up to $5 million. It aims to protect everyday depositors and support local financial institutions by making their accounts safer.\nKey Points: Increased deposit insurance for noninterest-bearing accounts, with a new limit between $250,000 and $5,000,000., The extra protection applies to community banks and credit unions, but excludes the largest global 'too big to fail' banks., Small banks with assets under $10 billion are exempt from certain fees related to this new insurance during the transition., The changes will be phased in over a 10-year period to maintain the health of the national deposit insurance fund.\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\": false,\n  \"issue\": \"fabricated_entity\"\n}"
    },
    {
      "timestamp": "2026-04-07T19:05:25.168Z",
      "source_url": "https://www.congress.gov/119/bills/s4198/BILLS-119s4198is.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. 4198 Introduced in Senate (IS)] <DOC> 119th CONGRESS 2d Session S. 4198 To amend the Federal Deposit Insurance Act to provide deposit insurance for noninterest-bearing transaction accounts, and for other purposes. _______________________________________________________________________ IN THE SENATE OF THE UNITED STATES March 25, 2026 Mr. Hagerty (for himself, Ms. Alsobrooks, Mr. Banks, Ms. Cortez Masto, Mrs. Hyde-Smith, Mr. Gallego, and Mr. Wicker) introduced the following bill; which was read twice and referred to the Committee on Banking, Housing, and Urban Affairs _______________________________________________________________________ A BILL To amend the Federal Deposit Insurance Act to provide deposit insurance for noninterest-bearing transaction accounts, and for other purposes. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. SHORT TITLE. This Act may be cited as the ``Main Street Depositor Protection Act''. SEC. 2. TRANSACTION ACCOUNT INSURANCE. (a) Depository Institutions.-- (1) In general.--Section 11(a)(1) of the Federal Deposit Insurance Act (12 U.S.C. 1821(a)(1)) is amended by striking subparagraph (B) and inserting the following: ``(B) Net amount of insured deposit.-- ``(i) In general.--The net amount due to any depositor at an insured depository institution shall not exceed the sum of-- ``(I) the standard maximum deposit insurance amount as determined in accordance with subparagraphs (C), (D), (E), and (F) and paragraph (3); and ``(II) the net amount under clause (ii). ``(ii) Insurance for noninterest-bearing transaction accounts.-- ``(I) In general.--Except as provided in subclause (IV), not later than the end of the 6-month period beginning on the date of enactment of this clause, the Corporation shall insure the net amount that any depositor maintains, in the aggregate, in 1 or more noninterest-bearing transaction accounts at an insured depository institution, in the amount determined under subclause (II). ``(II) Insured amount.--The Corporation shall issue a rule to establish the maximum amount for insurance described in subclause (I), which shall be in an amount that is-- ``(aa) not less than the standard maximum deposit insurance amount on the date such rule is issued; ``(bb) not more than $5,000,000; and ``(cc) based on considerations of enhancing the financial stability of the banking system, promoting economic growth, and providing for the safety of the Deposit Insurance Fund. ``(III) Aggregation.--For the purpose of determining the net amount due to any depositor under subclause (I), the Corporation shall aggregate the amounts of all deposits in noninterest-bearing transaction accounts at insured depository institutions that are subsidiaries of a single depository institution holding company. ``(IV) Exclusion.-- ``(aa) Definition.--In this subclause, the term `foreign bank' does not include any bank organized under the laws of any territory of the United States, Puerto Rico, Guam, American Samoa, or the Virgin Islands, the deposits of which are insured by the Corporation pursuant to this Act. ``(bb) Exclusion.--The Corporation may not insure under subclause (I) amounts maintained at-- ``(AA) any insured depository institution that is a subsidiary of a bank holding company that is identified as a global systemically important BHC under section 217.402 of title 12, Code of Federal Regulations (or any successor regulation); or ``(BB) any insured branch of a foreign bank. ``(cc) Rule of construction.--Nothing in this subclause may be construed to exclude any insured depository institution described in subitem (AA) from the standard maximum deposit insurance amount described in clause (i)(I). ``(V) No subsequent adjustments.-- After the Corporation issues a rule pursuant to subclause (II), the amount of insurance provided under subclause (I) may not subsequently be modified or repealed except by an Act of Congress.''. (2) Technical and conforming amendment.--Section 3(m) of the Federal Deposit Insurance Act (12 U.S.C. 1813(m)) is amended-- (A) in paragraph (1), by inserting ``, including deposits in a noninterest-bearing transaction account,'' after ``deposits''; and (B) by adding at the end the following: ``(5) Noninterest-bearing transaction account.--The term `noninterest-bearing transaction account' means a deposit or account maintained at an insured depository institution-- ``(A) with respect to which interest is neither accrued nor paid; ``(B) on which the depositor or account holder is permitted to make withdrawals by negotiable or transferable instrument, payment orders of withdrawal, telephone or other electronic media transfers, or other similar items for the purpose of making payments or transfers to third parties or others; and ``(C) on which the insured depository institution does not reserve the right to require advance notice of an intended withdrawal.''. (3) Assessments.--During the transition period under subsection (c), no insured depository institution with total assets of $10,000,000,000 or less shall be required to pay-- (A) any special assessment under section 7(b)(5) or 13(c)(4)(G) of the Federal Deposit Insurance Act (12 U.S.C. 1817(b)(5), 1823(c)(4)(G)) as a condition to insurance on a noninterest-bearing transaction account, as defined in paragraph (5) of section 3(m) of the Federal Deposit Insurance Act (12 U.S.C. 1813(m)), as added by paragraph (2) of this subsection; or (B) any increase in assessments under section 7(b)(2) of the Federal Deposit Insurance Act (12 U.S.C. 1817(b)(2)) solely to offset any impact on the reserve ratio arising out of the extension of insurance to noninterest-bearing transaction accounts in excess of the standard maximum deposit insurance amount as determined in accordance with subparagraphs (C), (D), (E), and (F) of paragraph (1) and paragraph (3) of section 11(a) of that Act (12 U.S.C. 1821(a)). (b) Credit Unions.-- (1) In general.--Section 207(k)(1)(A) of the Federal Credit Union Act (12 U.S.C. 1787(k)(1)(A)) is amended-- (A) by striking ``Subject to the provisions of paragraph (2), the net amount'' and inserting the following: ``(i) Net amount of insurance payable.-- Subject to clause (ii) and the provisions of paragraph (2), the net amount''; and (B) by adding at the end the following: ``(ii) Insurance for noninterest-bearing transaction accounts.-- ``(I) In general.--Notwithstanding clause (i), the Board shall insure the net amount that any member, or any person with funds lawfully held in a member account, maintains, in the aggregate, in 1 or more noninterest- bearing transaction accounts at an insured credit union. ``(II) Insured amount.--The maximum amount for insurance described in subclause (I) shall be the maximum amount determined in the rule issued by the Federal Deposit Insurance Corporation pursuant to section 11(a)(1)(B)(ii)(II) of the Federal Deposit Insurance Act (12 U.S.C. 1821(a)(1)(B)(ii)(II)). ``(III) Exclusion.--The amount described in subclause (I) shall not be taken into account when computing the net amount due to a member, or to any person with funds lawfully held in a member account, described in that subclause under clause (i).''. (2) Technical and conforming amendments.--Section 101 of the Federal Credit Union Act (12 U.S.C. 1752) is amended-- (A) in paragraph (5), by inserting ``such terms mean a noninterest-bearing transaction account,'' after ``Act,''; (B) in paragraph (8), by striking ``and'' at the end; (C) in paragraph (9), by striking the period at the end and inserting ``; and''; and (D) by adding at the end the following: ``(10) The term `noninterest-bearing transaction account' means an account of a member, or nonmember that is eligible to maintain an insured account, maintained at an insured credit union-- ``(A) with respect to which interest is neither accrued nor paid; ``(B) on which the member or account holder is permitted to make withdrawals by negotiable or transferable instrument, payment orders of withdrawal, telephone or other electronic media transfers, or other similar items for the purpose of making payments or transfers to third parties or others; and ``(C) on which the insured credit union does not reserve the right to require advance notice of an intended withdrawal.''. (c) Transition Period.-- (1) Depository institutions.-- (A) In general.--Notwithstanding any other provision of law, insured deposits in noninterest- bearing transaction accounts, as described in clause (ii) of section 11(a)(1)(B) of the Federal Deposit Insurance Act (12 U.S.C. 1821(a)(1)(B)), as added by subsection (a)(1) of this section, shall be included in the determination of the value of the estimated insured deposits described in sections 3(y)(3) and 7(b)(3)(B) of that Act (12 U.S.C. 1813(y)(3), 1817(b)(3)(B)) in accordance with the plan required under subparagraph (B). (B) Plan.--Not later than 1 year after the date of enactment of this Act, the Federal Deposit Insurance Corporation shall publish in the Federal Register a plan for gradually increasing, during the period ending on the date that is 10 years after the date of enactment of this Act, the portion of insured deposits described in subparagraph (A) in the determination described in that subparagraph, reaching 100 percent at the end of the period. (2) Credit unions.-- (A) In general.--Notwithstanding any other provision of law, insured shares in noninterest-bearing transaction accounts, as described in clause (ii) of section 207(k)(1)(A) of the Federal Credit Union Act (12 U.S.C. 1787(k)(1)(A)), as added by subsection (b)(1) of this section, shall be included in the determination of the value of the aggregate amount of the insured shares, as defined in section 202(h) of that Act (12 U.S.C. 1782(h)), in accordance with the plan required under subparagraph (B). (B) Plan.--Not later than 1 year after the date of enactment of this Act, the National Credit Union Administration Board shall publish in the Federal Register a plan for gradually increasing, during the period ending on the date that is 10 years after the date of enactment of this Act, the portion of insured shares described in subparagraph (A) in the determination described in that subparagraph, reaching 100 percent at the end of the period. (C) Regulations.--The National Credit Union Administration Board may promulgate regulations to ensure that the National Credit Union Share Insurance Fund remains well-capitalized. (d) Regulations.--The Federal Deposit Insurance Corporation and the National Credit Union Administration Board may promulgate regulations carrying out the amendments made by this section, including prohibiting insured depository institutions, as defined in section 3 of the Federal Deposit Insurance Act (12 U.S.C. 1813), insured credit unions, as defined in section 101 of the Federal Credit Union Act (12 U.S.C. 1752), and third parties, as applicable, from evading the limitation of insurance established under those amendments to only-- (1) noninterest-bearing transaction accounts; (2) deposits or accounts at insured depository institutions not excluded under clause (ii)(IV) of section 11(a)(1)(B) of the Federal Deposit Insurance Act (12 U.S.C. 1821(a)(1)(B)), as added by subsection (a) of this section; and (3) shares, deposits, or accounts at insured credit unions. <all>\n--- KONIEC DOKUMENTU ---\n\nPAMIĘTAJ: Twoja odpowiedź MUSI być wyłącznie poprawnym obiektem JSON. Nie dodawaj żadnych dodatkowych znaków, komentarzy ani tekstu przed znacznikiem '{' ani po znaczniku '}'. Cała odpowiedź musi być parsowalna jako JSON.\nNa podstawie POWYŻSZEGO dokumentu, wypełnij poniższą strukturę JSON:\nOto struktura JSON, której oczekuję (wypełnij ją treścią):\n{\n  \"pl_ai_title\": \"Nowy, krótki tytuł dla aktu prawnego po polsku, oddający sedno wprowadzanych zmian (np. maksymalnie 10-12 słów).\",\n  \"pl_summary\": \"2-3 zdania zwięzłego podsumowania treści aktu prawnego po polsku, napisane z perspektywy wpływu na życie codzienne obywateli.\",\n  \"pl_key_points\": [\n    \"Pierwszy krótki punkt po polsku dotyczący najważniejszych wprowadzanych rozwiązań lub zmian.\",\n    \"Drugi krótki punkt po polsku...\"\n  ],\n  \"eng_ai_title\": \"A new, short title for the legal act in English, capturing the essence of the changes (e.g., max 10-12 words).\",\n  \"eng_summary\": \"2-3 sentences summarizing the legal act in English, from the perspective of its impact on citizens' daily lives.\",\n  \"eng_key_points\": [\n    \"First short bullet point in English regarding the most important solutions or changes being introduced.\",\n    \"Second short bullet point in English...\"\n  ],\n  \"de_ai_title\": \"Ein neuer, kurzer Titel für das Rechtsdokument auf Deutsch, der den Kern der Änderungen erfasst (z.B. max. 10-12 Wörter).\",\n  \"de_summary\": \"2-3 Sätze Zusammenfassung des Rechtsdokuments auf Deutsch, aus der Perspektive seiner Auswirkungen auf das tägliche Leben der Bürger.\",\n  \"de_key_points\": [\n    \"Erster kurzer Stichpunkt auf Deutsch zu den wichtigsten eingeführten Lösungen oder Änderungen.\",\n    \"Zweiter kurzer Stichpunkt auf Deutsch...\"\n  ],\n  \"fr_ai_title\": \"Un nouveau titre court pour l'acte juridique en français, saisissant l'essence des changements (par exemple, 10-12 mots maximum).\",\n  \"fr_summary\": \"Résumé de 2-3 phrases de l'acte juridique en français, du point de vue de son impact sur la vie quotidienne des citoyens.\",\n  \"fr_key_points\": [\n    \"Premier court point en français concernant les solutions ou changements les plus importants introduits.\",\n    \"Deuxième court point en français...\"\n  ],\n  \"es_ai_title\": \"Un nuevo título breve para el acto jurídico en español, que recoja la esencia de los cambios (por ejemplo, máximo 10-12 palabras).\",\n  \"es_summary\": \"Resumen de 2-3 frases del acto jurídico en español, desde la perspectiva de su impacto en la vida cotidiana de los ciudadanos.\",\n  \"es_key_points\": [\n    \"Primer punto breve en español sobre las soluciones o cambios más importantes que se introducen.\",\n    \"Segundo punto breve en español...\"\n  ],\n  \"it_ai_title\": \"Un nuovo titolo breve per l'atto giuridico in italiano, che colga l'essenza delle modifiche (ad es. massimo 10-12 parole).\",\n  \"it_summary\": \"Riepilogo di 2-3 frasi dell'atto giuridico in italiano, dal punto di vista del suo impatto sulla vita quotidiana dei cittadini.\",\n  \"it_key_points\": [\n    \"Primo breve punto in italiano riguardante le soluzioni o le modifiche più importanti introdotte.\",\n    \"Secondo breve punto in italiano...\"\n  ],\n  \"nl_ai_title\": \"Een nieuwe, korte titel voor de rechtshandeling in het Nederlands, die de essentie van de wijzigingen weergeeft (bijv. max. 10-12 woorden).\",\n  \"nl_summary\": \"Samenvatting van 2-3 zinnen van de rechtshandeling in het Nederlands, vanuit het perspectief van de impact op het dagelijks leven van burgers.\",\n  \"nl_key_points\": [\n    \"Eerste korte punt in het Nederlands betreffende de belangrijkste geïntroduceerde oplossingen of wijzigingen.\",\n    \"Tweede korte punt in het Nederlands...\"\n  ],\n  \"pt_ai_title\": \"Um novo título curto para o ato jurídico em português, capturando a essência das mudanças (por exemplo, máx. 10-12 palavras).\",\n  \"pt_summary\": \"Resumo de 2-3 frases do ato jurídico em português, na perspetiva do seu impacto na vida quotidiana dos cidadãos.\",\n  \"pt_key_points\": [\n    \"Primeiro ponto curto em português sobre as soluções ou alterações mais importantes introduzidas.\",\n    \"Segundo ponto curto em português...\"\n  ],\n  \"category\": [\"Categorize the document into one category by default, based on the field it primarily concerns. Choose up to 3 if the document also touches upon SIGNIFICANT issues from other categories. You MUST select categories ONLY from the following list: Health, Education, Family, Taxes, Labor, Security, Environment, Courts and Law, Transport, Benefits, Real Estate, Media and Culture, Local Government, Migration, Agriculture, Public Investments, Informatization, Economy. If the document does not definitively fit any of these, you MUST use \"Other\". If you use \"Other\", it should be the ONLY category selected. Do NOT invent new categories. The response must be an array of strings, e.g., [\"Taxes\", \"Family\"].\"]\n}\n\n",
      "ai_response_raw": "{\n  \"pl_ai_title\": \"Ustawa o ochronie depozytów na kontach bieżących: wyższe gwarancje dla obywateli\",\n  \"pl_summary\": \"Ustawa zwiększa ochronę pieniędzy na nieoprocentowanych kontach bankowych, podnosząc limit gwarancji depozytów nawet do 5 milionów dolarów. Zmiana ta ma na celu zwiększenie bezpieczeństwa oszczędności obywateli i stabilność mniejszych banków lokalnych.\",\n  \"pl_key_points\": [\n    \"Wyższe gwarancje dla kont nieoprocentowanych (np. zwykłych kont czekowych) do kwoty 5 mln USD.\",\n    \"Ochrona dotyczy mniejszych banków i unii kredytowych, z wyłączeniem największych globalnych instytucji finansowych.\",\n    \"Mniejsze banki (do 10 mld USD aktywów) nie będą obciążone dodatkowymi opłatami za to ubezpieczenie w okresie przejściowym.\",\n    \"Nowe zasady będą wprowadzane stopniowo w ciągu 10 lat, aby zapewnić stabilność systemu finansowego.\"\n  ],\n  \"eng_ai_title\": \"Main Street Depositor Protection Act: Higher Insurance for Checking Accounts\",\n  \"eng_summary\": \"This bill increases the insurance limit for noninterest-bearing checking accounts at most banks and credit unions, potentially up to $5 million. It aims to protect everyday depositors and support local financial institutions by making their accounts safer.\",\n  \"eng_key_points\": [\n    \"Increased deposit insurance for noninterest-bearing accounts, with a new limit between $250,000 and $5,000,000.\",\n    \"The extra protection applies to community banks and credit unions, but excludes the largest global 'too big to fail' banks.\",\n    \"Small banks with assets under $10 billion are exempt from certain fees related to this new insurance during the transition.\",\n    \"The changes will be phased in over a 10-year period to maintain the health of the national deposit insurance fund.\"\n  ],\n  \"de_ai_title\": \"Main Street Depositor Protection Act: Höhere Absicherung für Girokonten\",\n  \"de_summary\": \"Dieses Gesetz erhöht den Versicherungsschutz für unverzinste Girokonten bei den meisten Banken und Kreditgenossenschaften auf bis zu 5 Millionen Dollar. Es soll die Ersparnisse der Bürger besser schützen und die Stabilität lokaler Finanzinstitute stärken.\",\n  \"de_key_points\": [\n    \"Höhere Einlagensicherung für unverzinste Konten mit einem neuen Limit zwischen 250.000 und 5.000.000 USD.\",\n    \"Der Schutz gilt für lokale Banken und Kreditgenossenschaften, schließt jedoch die größten globalen systemrelevanten Banken aus.\",\n    \"Kleine Banken mit einem Vermögen von weniger als 10 Milliarden USD sind während einer Übergangsphase von zusätzlichen Gebühren befreit.\",\n    \"Die Änderungen werden über einen Zeitraum von 10 Jahren schrittweise eingeführt.\"\n  ],\n  \"fr_ai_title\": \"Loi sur la protection des déposants : assurance accrue pour les comptes courants\",\n  \"fr_summary\": \"Ce projet de loi augmente le plafond d'assurance pour les comptes courants ne portant pas d'intérêts, pouvant atteindre 5 millions de dollars. Il vise à sécuriser les fonds des citoyens et à soutenir les banques locales.\",\n  \"fr_key_points\": [\n    \"Augmentation de la garantie des dépôts pour les comptes non rémunérés jusqu'à un maximum de 5 millions de dollars.\",\n    \"L'extension de garantie exclut les plus grandes banques mondiales dites 'systémiques'.\",\n    \"Les petites banques bénéficient d'une dispense de certains frais d'assurance pendant une période de transition.\",\n    \"La mise en œuvre complète de ces nouvelles protections s'étalera sur une période de 10 ans.\"\n  ],\n  \"es_ai_title\": \"Ley de Protección de Depositantes: Mayor seguro para cuentas corrientes\",\n  \"es_summary\": \"Esta ley aumenta el límite del seguro para las cuentas corrientes que no generan intereses, pudiendo llegar hasta los 5 millones de dólares. Busca proteger los ahorros de los ciudadanos y fortalecer la confianza en los bancos locales.\",\n  \"es_key_points\": [\n    \"Seguro de depósitos ampliado para cuentas sin intereses, con un nuevo límite de hasta 5.000.000 de dólares.\",\n    \"La protección se aplica a bancos comunitarios y cooperativas de crédito, excluyendo a los grandes bancos globales.\",\n    \"Los bancos pequeños con activos menores a 10 mil millones de dólares no pagarán cargos adicionales por este seguro durante la transición.\",\n    \"Los cambios se implementarán gradualmente a lo largo de 10 años para garantizar la estabilidad.\"\n  ],\n  \"it_ai_title\": \"Legge sulla protezione dei depositanti: maggiore assicurazione per i conti correnti\",\n  \"it_summary\": \"Questa legge aumenta il limite di assicurazione per i conti correnti infruttiferi presso la maggior parte delle banche, fino a un massimo di 5 milioni di dollari. L'obiettivo è proteggere i risparmi dei cittadini e sostenere la stabilità delle banche locali.\",\n  \"it_key_points\": [\n    \"Garanzia dei depositi aumentata per i conti che non pagano interessi, con un limite tra 250.000 e 5.000.000 di dollari.\",\n    \"La protezione extra riguarda le banche locali e le unioni di credito, escludendo i colossi bancari globali.\",\n    \"Le piccole banche sono esentate da costi aggiuntivi per questa assicurazione durante una fase di transizione.\",\n    \"Il piano prevede un'introduzione graduale delle nuove regole nell'arco di 10 anni.\"\n  ],\n  \"nl_ai_title\": \"Wet bescherming depositohouders: hogere verzekering voor betaalrekeningen\",\n  \"nl_summary\": \"Deze wet verhoogt de verzekeringslimiet voor renteloze betaalrekeningen bij de meeste banken tot maximaal 5 miljoen dollar. Het doel is om het geld van burgers beter te beschermen en lokale banken te versterken.\",\n  \"nl_key_points\": [\n    \"Verhoogde depositogarantie voor renteloze rekeningen tot een bedrag van 5 miljoen dollar.\",\n    \"De extra bescherming geldt voor lokale banken, maar niet voor de allergrootste wereldwijde banken.\",\n    \"Kleine banken zijn tijdens een overgangsperiode vrijgesteld van extra kosten voor deze verzekering.\",\n    \"De nieuwe regels worden over een periode van 10 jaar stapsgewijs ingevoerd.\"\n  ],\n  \"pt_ai_title\": \"Lei de Proteção de Depositantes: maior seguro para contas correntes\",\n  \"pt_summary\": \"Esta lei aumenta o limite do seguro para contas correntes que não rendem juros, podendo chegar a 5 milhões de dólares. O objetivo é proteger as poupanças dos cidadãos e reforçar a estabilidade dos bancos locais.\",\n  \"pt_key_points\": [\n    \"Seguro de depósitos alargado para contas sem juros, com um novo limite de até 5.000.000 de dólares.\",\n    \"A proteção aplica-se a bancos comunitários e cooperativas de crédito, excluindo os grandes bancos globais.\",\n    \"Bancos pequenos com ativos até 10 mil milhões de dólares estão isentos de taxas adicionais durante a transição.\",\n    \"As mudanças serão implementadas gradualmente ao longo de um período de 10 anos.\"\n  ],\n  \"category\": [\"Economy\"]\n}"
    },
    {
      "timestamp": "2026-04-03T11:31:46.853Z",
      "source_url": "https://www.congress.gov/119/bills/s4198/BILLS-119s4198is.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. 4198 Introduced in Senate (IS)] <DOC> 119th CONGRESS 2d Session S. 4198 To amend the Federal Deposit Insurance Act to provide deposit insurance for noninterest-bearing transaction accounts, and for other purposes. _______________________________________________________________________ IN THE SENATE OF THE UNITED STATES March 25, 2026 Mr. Hagerty (for himself, Ms. Alsobrooks, Mr. Banks, Ms. Cortez Masto, Mrs. Hyde-Smith, Mr. Gallego, and Mr. Wicker) introduced the following bill; which was read twice and referred to the Committee on Banking, Housing, and Urban Affairs _______________________________________________________________________ A BILL To amend the Federal Deposit Insurance Act to provide deposit insurance for noninterest-bearing transaction accounts, and for other purposes. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. SHORT TITLE. This Act may be cited as the ``Main Street Depositor Protection Act''. SEC. 2. TRANSACTION ACCOUNT INSURANCE. (a) Depository Institutions.-- (1) In general.--Section 11(a)(1) of the Federal Deposit Insurance Act (12 U.S.C. 1821(a)(1)) is amended by striking subparagraph (B) and inserting the following: ``(B) Net amount of insured deposit.-- ``(i) In general.--The net amount due to any depositor at an insured depository institution shall not exceed the sum of-- ``(I) the standard maximum deposit insurance amount as determined in accordance with subparagraphs (C), (D), (E), and (F) and paragraph (3); and ``(II) the net amount under clause (ii). ``(ii) Insurance for noninterest-bearing transaction accounts.-- ``(I) In general.--Except as provided in subclause (IV), not later than the end of the 6-month period beginning on the date of enactment of this clause, the Corporation shall insure the net amount that any depositor maintains, in the aggregate, in 1 or more noninterest-bearing transaction accounts at an insured depository institution, in the amount determined under subclause (II). ``(II) Insured amount.--The Corporation shall issue a rule to establish the maximum amount for insurance described in subclause (I), which shall be in an amount that is-- ``(aa) not less than the standard maximum deposit insurance amount on the date such rule is issued; ``(bb) not more than $5,000,000; and ``(cc) based on considerations of enhancing the financial stability of the banking system, promoting economic growth, and providing for the safety of the Deposit Insurance Fund. ``(III) Aggregation.--For the purpose of determining the net amount due to any depositor under subclause (I), the Corporation shall aggregate the amounts of all deposits in noninterest-bearing transaction accounts at insured depository institutions that are subsidiaries of a single depository institution holding company. ``(IV) Exclusion.-- ``(aa) Definition.--In this subclause, the term `foreign bank' does not include any bank organized under the laws of any territory of the United States, Puerto Rico, Guam, American Samoa, or the Virgin Islands, the deposits of which are insured by the Corporation pursuant to this Act. ``(bb) Exclusion.--The Corporation may not insure under subclause (I) amounts maintained at-- ``(AA) any insured depository institution that is a subsidiary of a bank holding company that is identified as a global systemically important BHC under section 217.402 of title 12, Code of Federal Regulations (or any successor regulation); or ``(BB) any insured branch of a foreign bank. ``(cc) Rule of construction.--Nothing in this subclause may be construed to exclude any insured depository institution described in subitem (AA) from the standard maximum deposit insurance amount described in clause (i)(I). ``(V) No subsequent adjustments.-- After the Corporation issues a rule pursuant to subclause (II), the amount of insurance provided under subclause (I) may not subsequently be modified or repealed except by an Act of Congress.''. (2) Technical and conforming amendment.--Section 3(m) of the Federal Deposit Insurance Act (12 U.S.C. 1813(m)) is amended-- (A) in paragraph (1), by inserting ``, including deposits in a noninterest-bearing transaction account,'' after ``deposits''; and (B) by adding at the end the following: ``(5) Noninterest-bearing transaction account.--The term `noninterest-bearing transaction account' means a deposit or account maintained at an insured depository institution-- ``(A) with respect to which interest is neither accrued nor paid; ``(B) on which the depositor or account holder is permitted to make withdrawals by negotiable or transferable instrument, payment orders of withdrawal, telephone or other electronic media transfers, or other similar items for the purpose of making payments or transfers to third parties or others; and ``(C) on which the insured depository institution does not reserve the right to require advance notice of an intended withdrawal.''. (3) Assessments.--During the transition period under subsection (c), no insured depository institution with total assets of $10,000,000,000 or less shall be required to pay-- (A) any special assessment under section 7(b)(5) or 13(c)(4)(G) of the Federal Deposit Insurance Act (12 U.S.C. 1817(b)(5), 1823(c)(4)(G)) as a condition to insurance on a noninterest-bearing transaction account, as defined in paragraph (5) of section 3(m) of the Federal Deposit Insurance Act (12 U.S.C. 1813(m)), as added by paragraph (2) of this subsection; or (B) any increase in assessments under section 7(b)(2) of the Federal Deposit Insurance Act (12 U.S.C. 1817(b)(2)) solely to offset any impact on the reserve ratio arising out of the extension of insurance to noninterest-bearing transaction accounts in excess of the standard maximum deposit insurance amount as determined in accordance with subparagraphs (C), (D), (E), and (F) of paragraph (1) and paragraph (3) of section 11(a) of that Act (12 U.S.C. 1821(a)). (b) Credit Unions.-- (1) In general.--Section 207(k)(1)(A) of the Federal Credit Union Act (12 U.S.C. 1787(k)(1)(A)) is amended-- (A) by striking ``Subject to the provisions of paragraph (2), the net amount'' and inserting the following: ``(i) Net amount of insurance payable.-- Subject to clause (ii) and the provisions of paragraph (2), the net amount''; and (B) by adding at the end the following: ``(ii) Insurance for noninterest-bearing transaction accounts.-- ``(I) In general.--Notwithstanding clause (i), the Board shall insure the net amount that any member, or any person with funds lawfully held in a member account, maintains, in the aggregate, in 1 or more noninterest- bearing transaction accounts at an insured credit union. ``(II) Insured amount.--The maximum amount for insurance described in subclause (I) shall be the maximum amount determined in the rule issued by the Federal Deposit Insurance Corporation pursuant to section 11(a)(1)(B)(ii)(II) of the Federal Deposit Insurance Act (12 U.S.C. 1821(a)(1)(B)(ii)(II)). ``(III) Exclusion.--The amount described in subclause (I) shall not be taken into account when computing the net amount due to a member, or to any person with funds lawfully held in a member account, described in that subclause under clause (i).''. (2) Technical and conforming amendments.--Section 101 of the Federal Credit Union Act (12 U.S.C. 1752) is amended-- (A) in paragraph (5), by inserting ``such terms mean a noninterest-bearing transaction account,'' after ``Act,''; (B) in paragraph (8), by striking ``and'' at the end; (C) in paragraph (9), by striking the period at the end and inserting ``; and''; and (D) by adding at the end the following: ``(10) The term `noninterest-bearing transaction account' means an account of a member, or nonmember that is eligible to maintain an insured account, maintained at an insured credit union-- ``(A) with respect to which interest is neither accrued nor paid; ``(B) on which the member or account holder is permitted to make withdrawals by negotiable or transferable instrument, payment orders of withdrawal, telephone or other electronic media transfers, or other similar items for the purpose of making payments or transfers to third parties or others; and ``(C) on which the insured credit union does not reserve the right to require advance notice of an intended withdrawal.''. (c) Transition Period.-- (1) Depository institutions.-- (A) In general.--Notwithstanding any other provision of law, insured deposits in noninterest- bearing transaction accounts, as described in clause (ii) of section 11(a)(1)(B) of the Federal Deposit Insurance Act (12 U.S.C. 1821(a)(1)(B)), as added by subsection (a)(1) of this section, shall be included in the determination of the value of the estimated insured deposits described in sections 3(y)(3) and 7(b)(3)(B) of that Act (12 U.S.C. 1813(y)(3), 1817(b)(3)(B)) in accordance with the plan required under subparagraph (B). (B) Plan.--Not later than 1 year after the date of enactment of this Act, the Federal Deposit Insurance Corporation shall publish in the Federal Register a plan for gradually increasing, during the period ending on the date that is 10 years after the date of enactment of this Act, the portion of insured deposits described in subparagraph (A) in the determination described in that subparagraph, reaching 100 percent at the end of the period. (2) Credit unions.-- (A) In general.--Notwithstanding any other provision of law, insured shares in noninterest-bearing transaction accounts, as described in clause (ii) of section 207(k)(1)(A) of the Federal Credit Union Act (12 U.S.C. 1787(k)(1)(A)), as added by subsection (b)(1) of this section, shall be included in the determination of the value of the aggregate amount of the insured shares, as defined in section 202(h) of that Act (12 U.S.C. 1782(h)), in accordance with the plan required under subparagraph (B). (B) Plan.--Not later than 1 year after the date of enactment of this Act, the National Credit Union Administration Board shall publish in the Federal Register a plan for gradually increasing, during the period ending on the date that is 10 years after the date of enactment of this Act, the portion of insured shares described in subparagraph (A) in the determination described in that subparagraph, reaching 100 percent at the end of the period. (C) Regulations.--The National Credit Union Administration Board may promulgate regulations to ensure that the National Credit Union Share Insurance Fund remains well-capitalized. (d) Regulations.--The Federal Deposit Insurance Corporation and the National Credit Union Administration Board may promulgate regulations carrying out the amendments made by this section, including prohibiting insured depository institutions, as defined in section 3 of the Federal Deposit Insurance Act (12 U.S.C. 1813), insured credit unions, as defined in section 101 of the Federal Credit Union Act (12 U.S.C. 1752), and third parties, as applicable, from evading the limitation of insurance established under those amendments to only-- (1) noninterest-bearing transaction accounts; (2) deposits or accounts at insured depository institutions not excluded under clause (ii)(IV) of section 11(a)(1)(B) of the Federal Deposit Insurance Act (12 U.S.C. 1821(a)(1)(B)), as added by subsection (a) of this section; and (3) shares, deposits, or accounts at insured credit unions. <all>\n\nSUMMARY TO EVALUATE:\nTitle: Main Street Depositor Protection Act: Higher Insurance for Checking Accounts\nSummary: This bill increases the insurance limit for noninterest-bearing checking accounts at most banks and credit unions, potentially up to $5 million. It aims to protect everyday depositors and support local financial institutions by making their accounts safer.\nKey Points: Increased deposit insurance for noninterest-bearing accounts, with a new limit between $250,000 and $5,000,000., The extra protection applies to community banks and credit unions, but excludes the largest global 'too big to fail' banks., Small banks with assets under $10 billion are exempt from certain fees related to this new insurance during the transition., The changes will be phased in over a 10-year period to maintain the health of the national deposit insurance fund.\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\": false,\n  \"issue\": \"fabricated_entity\"\n}"
    },
    {
      "timestamp": "2026-04-03T11:21:13.009Z",
      "source_url": "https://www.congress.gov/119/bills/s4198/BILLS-119s4198is.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. 4198 Introduced in Senate (IS)] <DOC> 119th CONGRESS 2d Session S. 4198 To amend the Federal Deposit Insurance Act to provide deposit insurance for noninterest-bearing transaction accounts, and for other purposes. _______________________________________________________________________ IN THE SENATE OF THE UNITED STATES March 25, 2026 Mr. Hagerty (for himself, Ms. Alsobrooks, Mr. Banks, Ms. Cortez Masto, Mrs. Hyde-Smith, Mr. Gallego, and Mr. Wicker) introduced the following bill; which was read twice and referred to the Committee on Banking, Housing, and Urban Affairs _______________________________________________________________________ A BILL To amend the Federal Deposit Insurance Act to provide deposit insurance for noninterest-bearing transaction accounts, and for other purposes. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. SHORT TITLE. This Act may be cited as the ``Main Street Depositor Protection Act''. SEC. 2. TRANSACTION ACCOUNT INSURANCE. (a) Depository Institutions.-- (1) In general.--Section 11(a)(1) of the Federal Deposit Insurance Act (12 U.S.C. 1821(a)(1)) is amended by striking subparagraph (B) and inserting the following: ``(B) Net amount of insured deposit.-- ``(i) In general.--The net amount due to any depositor at an insured depository institution shall not exceed the sum of-- ``(I) the standard maximum deposit insurance amount as determined in accordance with subparagraphs (C), (D), (E), and (F) and paragraph (3); and ``(II) the net amount under clause (ii). ``(ii) Insurance for noninterest-bearing transaction accounts.-- ``(I) In general.--Except as provided in subclause (IV), not later than the end of the 6-month period beginning on the date of enactment of this clause, the Corporation shall insure the net amount that any depositor maintains, in the aggregate, in 1 or more noninterest-bearing transaction accounts at an insured depository institution, in the amount determined under subclause (II). ``(II) Insured amount.--The Corporation shall issue a rule to establish the maximum amount for insurance described in subclause (I), which shall be in an amount that is-- ``(aa) not less than the standard maximum deposit insurance amount on the date such rule is issued; ``(bb) not more than $5,000,000; and ``(cc) based on considerations of enhancing the financial stability of the banking system, promoting economic growth, and providing for the safety of the Deposit Insurance Fund. ``(III) Aggregation.--For the purpose of determining the net amount due to any depositor under subclause (I), the Corporation shall aggregate the amounts of all deposits in noninterest-bearing transaction accounts at insured depository institutions that are subsidiaries of a single depository institution holding company. ``(IV) Exclusion.-- ``(aa) Definition.--In this subclause, the term `foreign bank' does not include any bank organized under the laws of any territory of the United States, Puerto Rico, Guam, American Samoa, or the Virgin Islands, the deposits of which are insured by the Corporation pursuant to this Act. ``(bb) Exclusion.--The Corporation may not insure under subclause (I) amounts maintained at-- ``(AA) any insured depository institution that is a subsidiary of a bank holding company that is identified as a global systemically important BHC under section 217.402 of title 12, Code of Federal Regulations (or any successor regulation); or ``(BB) any insured branch of a foreign bank. ``(cc) Rule of construction.--Nothing in this subclause may be construed to exclude any insured depository institution described in subitem (AA) from the standard maximum deposit insurance amount described in clause (i)(I). ``(V) No subsequent adjustments.-- After the Corporation issues a rule pursuant to subclause (II), the amount of insurance provided under subclause (I) may not subsequently be modified or repealed except by an Act of Congress.''. (2) Technical and conforming amendment.--Section 3(m) of the Federal Deposit Insurance Act (12 U.S.C. 1813(m)) is amended-- (A) in paragraph (1), by inserting ``, including deposits in a noninterest-bearing transaction account,'' after ``deposits''; and (B) by adding at the end the following: ``(5) Noninterest-bearing transaction account.--The term `noninterest-bearing transaction account' means a deposit or account maintained at an insured depository institution-- ``(A) with respect to which interest is neither accrued nor paid; ``(B) on which the depositor or account holder is permitted to make withdrawals by negotiable or transferable instrument, payment orders of withdrawal, telephone or other electronic media transfers, or other similar items for the purpose of making payments or transfers to third parties or others; and ``(C) on which the insured depository institution does not reserve the right to require advance notice of an intended withdrawal.''. (3) Assessments.--During the transition period under subsection (c), no insured depository institution with total assets of $10,000,000,000 or less shall be required to pay-- (A) any special assessment under section 7(b)(5) or 13(c)(4)(G) of the Federal Deposit Insurance Act (12 U.S.C. 1817(b)(5), 1823(c)(4)(G)) as a condition to insurance on a noninterest-bearing transaction account, as defined in paragraph (5) of section 3(m) of the Federal Deposit Insurance Act (12 U.S.C. 1813(m)), as added by paragraph (2) of this subsection; or (B) any increase in assessments under section 7(b)(2) of the Federal Deposit Insurance Act (12 U.S.C. 1817(b)(2)) solely to offset any impact on the reserve ratio arising out of the extension of insurance to noninterest-bearing transaction accounts in excess of the standard maximum deposit insurance amount as determined in accordance with subparagraphs (C), (D), (E), and (F) of paragraph (1) and paragraph (3) of section 11(a) of that Act (12 U.S.C. 1821(a)). (b) Credit Unions.-- (1) In general.--Section 207(k)(1)(A) of the Federal Credit Union Act (12 U.S.C. 1787(k)(1)(A)) is amended-- (A) by striking ``Subject to the provisions of paragraph (2), the net amount'' and inserting the following: ``(i) Net amount of insurance payable.-- Subject to clause (ii) and the provisions of paragraph (2), the net amount''; and (B) by adding at the end the following: ``(ii) Insurance for noninterest-bearing transaction accounts.-- ``(I) In general.--Notwithstanding clause (i), the Board shall insure the net amount that any member, or any person with funds lawfully held in a member account, maintains, in the aggregate, in 1 or more noninterest- bearing transaction accounts at an insured credit union. ``(II) Insured amount.--The maximum amount for insurance described in subclause (I) shall be the maximum amount determined in the rule issued by the Federal Deposit Insurance Corporation pursuant to section 11(a)(1)(B)(ii)(II) of the Federal Deposit Insurance Act (12 U.S.C. 1821(a)(1)(B)(ii)(II)). ``(III) Exclusion.--The amount described in subclause (I) shall not be taken into account when computing the net amount due to a member, or to any person with funds lawfully held in a member account, described in that subclause under clause (i).''. (2) Technical and conforming amendments.--Section 101 of the Federal Credit Union Act (12 U.S.C. 1752) is amended-- (A) in paragraph (5), by inserting ``such terms mean a noninterest-bearing transaction account,'' after ``Act,''; (B) in paragraph (8), by striking ``and'' at the end; (C) in paragraph (9), by striking the period at the end and inserting ``; and''; and (D) by adding at the end the following: ``(10) The term `noninterest-bearing transaction account' means an account of a member, or nonmember that is eligible to maintain an insured account, maintained at an insured credit union-- ``(A) with respect to which interest is neither accrued nor paid; ``(B) on which the member or account holder is permitted to make withdrawals by negotiable or transferable instrument, payment orders of withdrawal, telephone or other electronic media transfers, or other similar items for the purpose of making payments or transfers to third parties or others; and ``(C) on which the insured credit union does not reserve the right to require advance notice of an intended withdrawal.''. (c) Transition Period.-- (1) Depository institutions.-- (A) In general.--Notwithstanding any other provision of law, insured deposits in noninterest- bearing transaction accounts, as described in clause (ii) of section 11(a)(1)(B) of the Federal Deposit Insurance Act (12 U.S.C. 1821(a)(1)(B)), as added by subsection (a)(1) of this section, shall be included in the determination of the value of the estimated insured deposits described in sections 3(y)(3) and 7(b)(3)(B) of that Act (12 U.S.C. 1813(y)(3), 1817(b)(3)(B)) in accordance with the plan required under subparagraph (B). (B) Plan.--Not later than 1 year after the date of enactment of this Act, the Federal Deposit Insurance Corporation shall publish in the Federal Register a plan for gradually increasing, during the period ending on the date that is 10 years after the date of enactment of this Act, the portion of insured deposits described in subparagraph (A) in the determination described in that subparagraph, reaching 100 percent at the end of the period. (2) Credit unions.-- (A) In general.--Notwithstanding any other provision of law, insured shares in noninterest-bearing transaction accounts, as described in clause (ii) of section 207(k)(1)(A) of the Federal Credit Union Act (12 U.S.C. 1787(k)(1)(A)), as added by subsection (b)(1) of this section, shall be included in the determination of the value of the aggregate amount of the insured shares, as defined in section 202(h) of that Act (12 U.S.C. 1782(h)), in accordance with the plan required under subparagraph (B). (B) Plan.--Not later than 1 year after the date of enactment of this Act, the National Credit Union Administration Board shall publish in the Federal Register a plan for gradually increasing, during the period ending on the date that is 10 years after the date of enactment of this Act, the portion of insured shares described in subparagraph (A) in the determination described in that subparagraph, reaching 100 percent at the end of the period. (C) Regulations.--The National Credit Union Administration Board may promulgate regulations to ensure that the National Credit Union Share Insurance Fund remains well-capitalized. (d) Regulations.--The Federal Deposit Insurance Corporation and the National Credit Union Administration Board may promulgate regulations carrying out the amendments made by this section, including prohibiting insured depository institutions, as defined in section 3 of the Federal Deposit Insurance Act (12 U.S.C. 1813), insured credit unions, as defined in section 101 of the Federal Credit Union Act (12 U.S.C. 1752), and third parties, as applicable, from evading the limitation of insurance established under those amendments to only-- (1) noninterest-bearing transaction accounts; (2) deposits or accounts at insured depository institutions not excluded under clause (ii)(IV) of section 11(a)(1)(B) of the Federal Deposit Insurance Act (12 U.S.C. 1821(a)(1)(B)), as added by subsection (a) of this section; and (3) shares, deposits, or accounts at insured credit unions. <all>\n--- KONIEC DOKUMENTU ---\n\nPAMIĘTAJ: Twoja odpowiedź MUSI być wyłącznie poprawnym obiektem JSON. Nie dodawaj żadnych dodatkowych znaków, komentarzy ani tekstu przed znacznikiem '{' ani po znaczniku '}'. Cała odpowiedź musi być parsowalna jako JSON.\nNa podstawie POWYŻSZEGO dokumentu, wypełnij poniższą strukturę JSON:\nOto struktura JSON, której oczekuję (wypełnij ją treścią):\n{\n  \"pl_ai_title\": \"Nowy, krótki tytuł dla aktu prawnego po polsku, oddający sedno wprowadzanych zmian (np. maksymalnie 10-12 słów).\",\n  \"pl_summary\": \"2-3 zdania zwięzłego podsumowania treści aktu prawnego po polsku, napisane z perspektywy wpływu na życie codzienne obywateli.\",\n  \"pl_key_points\": [\n    \"Pierwszy krótki punkt po polsku dotyczący najważniejszych wprowadzanych rozwiązań lub zmian.\",\n    \"Drugi krótki punkt po polsku...\"\n  ],\n  \"eng_ai_title\": \"A new, short title for the legal act in English, capturing the essence of the changes (e.g., max 10-12 words).\",\n  \"eng_summary\": \"2-3 sentences summarizing the legal act in English, from the perspective of its impact on citizens' daily lives.\",\n  \"eng_key_points\": [\n    \"First short bullet point in English regarding the most important solutions or changes being introduced.\",\n    \"Second short bullet point in English...\"\n  ],\n  \"de_ai_title\": \"Ein neuer, kurzer Titel für das Rechtsdokument auf Deutsch, der den Kern der Änderungen erfasst (z.B. max. 10-12 Wörter).\",\n  \"de_summary\": \"2-3 Sätze Zusammenfassung des Rechtsdokuments auf Deutsch, aus der Perspektive seiner Auswirkungen auf das tägliche Leben der Bürger.\",\n  \"de_key_points\": [\n    \"Erster kurzer Stichpunkt auf Deutsch zu den wichtigsten eingeführten Lösungen oder Änderungen.\",\n    \"Zweiter kurzer Stichpunkt auf Deutsch...\"\n  ],\n  \"fr_ai_title\": \"Un nouveau titre court pour l'acte juridique en français, saisissant l'essence des changements (par exemple, 10-12 mots maximum).\",\n  \"fr_summary\": \"Résumé de 2-3 phrases de l'acte juridique en français, du point de vue de son impact sur la vie quotidienne des citoyens.\",\n  \"fr_key_points\": [\n    \"Premier court point en français concernant les solutions ou changements les plus importants introduits.\",\n    \"Deuxième court point en français...\"\n  ],\n  \"es_ai_title\": \"Un nuevo título breve para el acto jurídico en español, que recoja la esencia de los cambios (por ejemplo, máximo 10-12 palabras).\",\n  \"es_summary\": \"Resumen de 2-3 frases del acto jurídico en español, desde la perspectiva de su impacto en la vida cotidiana de los ciudadanos.\",\n  \"es_key_points\": [\n    \"Primer punto breve en español sobre las soluciones o cambios más importantes que se introducen.\",\n    \"Segundo punto breve en español...\"\n  ],\n  \"it_ai_title\": \"Un nuovo titolo breve per l'atto giuridico in italiano, che colga l'essenza delle modifiche (ad es. massimo 10-12 parole).\",\n  \"it_summary\": \"Riepilogo di 2-3 frasi dell'atto giuridico in italiano, dal punto di vista del suo impatto sulla vita quotidiana dei cittadini.\",\n  \"it_key_points\": [\n    \"Primo breve punto in italiano riguardante le soluzioni o le modifiche più importanti introdotte.\",\n    \"Secondo breve punto in italiano...\"\n  ],\n  \"nl_ai_title\": \"Een nieuwe, korte titel voor de rechtshandeling in het Nederlands, die de essentie van de wijzigingen weergeeft (bijv. max. 10-12 woorden).\",\n  \"nl_summary\": \"Samenvatting van 2-3 zinnen van de rechtshandeling in het Nederlands, vanuit het perspectief van de impact op het dagelijks leven van burgers.\",\n  \"nl_key_points\": [\n    \"Eerste korte punt in het Nederlands betreffende de belangrijkste geïntroduceerde oplossingen of wijzigingen.\",\n    \"Tweede korte punt in het Nederlands...\"\n  ],\n  \"pt_ai_title\": \"Um novo título curto para o ato jurídico em português, capturando a essência das mudanças (por exemplo, máx. 10-12 palavras).\",\n  \"pt_summary\": \"Resumo de 2-3 frases do ato jurídico em português, na perspetiva do seu impacto na vida quotidiana dos cidadãos.\",\n  \"pt_key_points\": [\n    \"Primeiro ponto curto em português sobre as soluções ou alterações mais importantes introduzidas.\",\n    \"Segundo ponto curto em português...\"\n  ],\n  \"category\": [\"Categorize the document into one category by default, based on the field it primarily concerns. Choose up to 3 if the document also touches upon SIGNIFICANT issues from other categories. You MUST select categories ONLY from the following list: Health, Education, Family, Taxes, Labor, Security, Environment, Courts and Law, Transport, Benefits, Real Estate, Media and Culture, Local Government, Migration, Agriculture, Public Investments, Informatization, Economy. If the document does not definitively fit any of these, you MUST use \"Other\". If you use \"Other\", it should be the ONLY category selected. Do NOT invent new categories. The response must be an array of strings, e.g., [\"Taxes\", \"Family\"].\"]\n}\n\n",
      "ai_response_raw": "{\n  \"pl_ai_title\": \"Ustawa o ochronie depozytów na kontach bieżących: wyższe gwarancje dla obywateli\",\n  \"pl_summary\": \"Ustawa zwiększa ochronę pieniędzy na nieoprocentowanych kontach bankowych, podnosząc limit gwarancji depozytów nawet do 5 milionów dolarów. Zmiana ta ma na celu zwiększenie bezpieczeństwa oszczędności obywateli i stabilność mniejszych banków lokalnych.\",\n  \"pl_key_points\": [\n    \"Wyższe gwarancje dla kont nieoprocentowanych (np. zwykłych kont czekowych) do kwoty 5 mln USD.\",\n    \"Ochrona dotyczy mniejszych banków i unii kredytowych, z wyłączeniem największych globalnych instytucji finansowych.\",\n    \"Mniejsze banki (do 10 mld USD aktywów) nie będą obciążone dodatkowymi opłatami za to ubezpieczenie w okresie przejściowym.\",\n    \"Nowe zasady będą wprowadzane stopniowo w ciągu 10 lat, aby zapewnić stabilność systemu finansowego.\"\n  ],\n  \"eng_ai_title\": \"Main Street Depositor Protection Act: Higher Insurance for Checking Accounts\",\n  \"eng_summary\": \"This bill increases the insurance limit for noninterest-bearing checking accounts at most banks and credit unions, potentially up to $5 million. It aims to protect everyday depositors and support local financial institutions by making their accounts safer.\",\n  \"eng_key_points\": [\n    \"Increased deposit insurance for noninterest-bearing accounts, with a new limit between $250,000 and $5,000,000.\",\n    \"The extra protection applies to community banks and credit unions, but excludes the largest global 'too big to fail' banks.\",\n    \"Small banks with assets under $10 billion are exempt from certain fees related to this new insurance during the transition.\",\n    \"The changes will be phased in over a 10-year period to maintain the health of the national deposit insurance fund.\"\n  ],\n  \"de_ai_title\": \"Main Street Depositor Protection Act: Höhere Absicherung für Girokonten\",\n  \"de_summary\": \"Dieses Gesetz erhöht den Versicherungsschutz für unverzinste Girokonten bei den meisten Banken und Kreditgenossenschaften auf bis zu 5 Millionen Dollar. Es soll die Ersparnisse der Bürger besser schützen und die Stabilität lokaler Finanzinstitute stärken.\",\n  \"de_key_points\": [\n    \"Höhere Einlagensicherung für unverzinste Konten mit einem neuen Limit zwischen 250.000 und 5.000.000 USD.\",\n    \"Der Schutz gilt für lokale Banken und Kreditgenossenschaften, schließt jedoch die größten globalen systemrelevanten Banken aus.\",\n    \"Kleine Banken mit einem Vermögen von weniger als 10 Milliarden USD sind während einer Übergangsphase von zusätzlichen Gebühren befreit.\",\n    \"Die Änderungen werden über einen Zeitraum von 10 Jahren schrittweise eingeführt.\"\n  ],\n  \"fr_ai_title\": \"Loi sur la protection des déposants : assurance accrue pour les comptes courants\",\n  \"fr_summary\": \"Ce projet de loi augmente le plafond d'assurance pour les comptes courants ne portant pas d'intérêts, pouvant atteindre 5 millions de dollars. Il vise à sécuriser les fonds des citoyens et à soutenir les banques locales.\",\n  \"fr_key_points\": [\n    \"Augmentation de la garantie des dépôts pour les comptes non rémunérés jusqu'à un maximum de 5 millions de dollars.\",\n    \"L'extension de garantie exclut les plus grandes banques mondiales dites 'systémiques'.\",\n    \"Les petites banques bénéficient d'une dispense de certains frais d'assurance pendant une période de transition.\",\n    \"La mise en œuvre complète de ces nouvelles protections s'étalera sur une période de 10 ans.\"\n  ],\n  \"es_ai_title\": \"Ley de Protección de Depositantes: Mayor seguro para cuentas corrientes\",\n  \"es_summary\": \"Esta ley aumenta el límite del seguro para las cuentas corrientes que no generan intereses, pudiendo llegar hasta los 5 millones de dólares. Busca proteger los ahorros de los ciudadanos y fortalecer la confianza en los bancos locales.\",\n  \"es_key_points\": [\n    \"Seguro de depósitos ampliado para cuentas sin intereses, con un nuevo límite de hasta 5.000.000 de dólares.\",\n    \"La protección se aplica a bancos comunitarios y cooperativas de crédito, excluyendo a los grandes bancos globales.\",\n    \"Los bancos pequeños con activos menores a 10 mil millones de dólares no pagarán cargos adicionales por este seguro durante la transición.\",\n    \"Los cambios se implementarán gradualmente a lo largo de 10 años para garantizar la estabilidad.\"\n  ],\n  \"it_ai_title\": \"Legge sulla protezione dei depositanti: maggiore assicurazione per i conti correnti\",\n  \"it_summary\": \"Questa legge aumenta il limite di assicurazione per i conti correnti infruttiferi presso la maggior parte delle banche, fino a un massimo di 5 milioni di dollari. L'obiettivo è proteggere i risparmi dei cittadini e sostenere la stabilità delle banche locali.\",\n  \"it_key_points\": [\n    \"Garanzia dei depositi aumentata per i conti che non pagano interessi, con un limite tra 250.000 e 5.000.000 di dollari.\",\n    \"La protezione extra riguarda le banche locali e le unioni di credito, escludendo i colossi bancari globali.\",\n    \"Le piccole banche sono esentate da costi aggiuntivi per questa assicurazione durante una fase di transizione.\",\n    \"Il piano prevede un'introduzione graduale delle nuove regole nell'arco di 10 anni.\"\n  ],\n  \"nl_ai_title\": \"Wet bescherming depositohouders: hogere verzekering voor betaalrekeningen\",\n  \"nl_summary\": \"Deze wet verhoogt de verzekeringslimiet voor renteloze betaalrekeningen bij de meeste banken tot maximaal 5 miljoen dollar. Het doel is om het geld van burgers beter te beschermen en lokale banken te versterken.\",\n  \"nl_key_points\": [\n    \"Verhoogde depositogarantie voor renteloze rekeningen tot een bedrag van 5 miljoen dollar.\",\n    \"De extra bescherming geldt voor lokale banken, maar niet voor de allergrootste wereldwijde banken.\",\n    \"Kleine banken zijn tijdens een overgangsperiode vrijgesteld van extra kosten voor deze verzekering.\",\n    \"De nieuwe regels worden over een periode van 10 jaar stapsgewijs ingevoerd.\"\n  ],\n  \"pt_ai_title\": \"Lei de Proteção de Depositantes: maior seguro para contas correntes\",\n  \"pt_summary\": \"Esta lei aumenta o limite do seguro para contas correntes que não rendem juros, podendo chegar a 5 milhões de dólares. O objetivo é proteger as poupanças dos cidadãos e reforçar a estabilidade dos bancos locais.\",\n  \"pt_key_points\": [\n    \"Seguro de depósitos alargado para contas sem juros, com um novo limite de até 5.000.000 de dólares.\",\n    \"A proteção aplica-se a bancos comunitários e cooperativas de crédito, excluindo os grandes bancos globais.\",\n    \"Bancos pequenos com ativos até 10 mil milhões de dólares estão isentos de taxas adicionais durante a transição.\",\n    \"As mudanças serão implementadas gradualmente ao longo de um período de 10 anos.\"\n  ],\n  \"category\": [\"Economy\"]\n}"
    }
  ]
}