{
  "legislationId": "119_S_4206",
  "lastUpdate": "2026-04-13T16:08:18.912Z",
  "history": [
    {
      "timestamp": "2026-04-13T16:08:18.911Z",
      "source_url": "https://www.congress.gov/119/bills/s4206/BILLS-119s4206is.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. 4206 Introduced in Senate (IS)] <DOC> 119th CONGRESS 2d Session S. 4206 To amend title 31, United States Code, to require certain financial institutions to verify the citizenship and legal status of individuals, and for other purposes. _______________________________________________________________________ IN THE SENATE OF THE UNITED STATES March 25, 2026 Mr. Cotton introduced the following bill; which was read twice and referred to the Committee on Banking, Housing, and Urban Affairs _______________________________________________________________________ A BILL To amend title 31, United States Code, to require certain financial institutions to verify the citizenship and legal status of individuals, 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 ``Know Your American Customer Act''. SEC. 2. VERIFICATION OF CITIZENSHIP AND LEGAL STATUS. Section 5318 of title 31, United States Code, is amended by adding at the end the following: ``(r) Verification of Citizenship and Legal Status.-- ``(1) Definitions.--In this subsection: ``(A) Covered individual.--The term `covered individual' means any natural person who-- ``(i) seeks to open an account at a covered institution; ``(ii)(I) who holds an account at a covered institution that was opened on or after the date that is 90 days after the date of enactment of this subsection; and ``(II) whose eligibility for such account was established through documentation of authorization to temporarily reside in the United States in compliance with paragraph (2)(C); or ``(iii) is identified as the individual exercising substantial control over a legal entity, as described in section 5336, that seeks to open an account at a covered institution. ``(B) Covered institution.--The term `covered institution' means-- ``(i) an insured depository institution; and ``(ii) an insured credit union. ``(C) Distributions or transfers.--The term `distributions or transfers' means any payment, refund, deposit, or other funds that would otherwise be directed to an account that has been frozen or closed under this subsection. ``(D) Insured credit union.--The term `insured credit union' has the meaning given the term in section 101 of the Federal Credit Union Act (12 U.S.C. 1752). ``(E) Insured depository institution.--The term `insured depository institution' has the meaning given the term in section 3 of the Federal Deposit Insurance Act (12 U.S.C. 1813). ``(F) Lawful presence; lawfully present in the united states.--The terms `lawful presence' and `lawfully present in the United States', with respect to an individual, mean that the individual is-- ``(i) a citizen or national of the United States; or ``(ii) an alien-- ``(I) who has been inspected and admitted or paroled into the United States under the Immigration and Nationality Act (8 U.S.C. 1101 et seq.); and ``(II) whose period of authorized stay has not expired. ``(G) Period of authorized stay.--The term `period of authorized stay' means the period during which an alien is authorized by the Secretary of Homeland Security to be present in the United States, as evidenced by a document issued by the Department of Homeland Security, including an Arrival/Departure Record (Form I-94) (or an equivalent document). ``(2) Eligibility to open and maintain an account.-- ``(A) In general.--Except as provided in subparagraph (C), a covered institution may not open or maintain an account for any covered individual who is not lawfully present in the United States. ``(B) Verification requirement.-- ``(i) New accounts.-- ``(I) In general.--Except as provided in clause (ii), beginning on and after the date that is 90 days after the date of enactment of this subjection, a covered individual shall present 1 of the following, which may be an original or certified copy, to open an account at a covered institution: ``(aa) A driver's license or identification card issued by a State that is compliant with section 202 of the REAL ID Act of 2005 (division B of Public Law 109-13; 49 U.S.C. 30301 note). ``(bb) A United States passport or passport card. ``(cc) A birth certificate issued by the vital records office of a State, territory, or the District of Columbia. ``(dd) A Certificate of Naturalization (Form N-550, Form N-570, or Form N-578). ``(ee) A Certificate of Citizenship (Form N-560 or Form N-561). ``(ff) A Consular Report of Birth Abroad (Form FS-240) or Certification of Report of Birth (Form DS-1350). ``(gg) A Permanent Resident Card (Form I-551). ``(hh) A valid, unexpired foreign passport with a valid Arrival/Departure Record (Form I-94) or nonimmigrant visa demonstrating lawful admission and lawful presence. ``(ii) A Social Security Administration proof-of- earnings card or statement, presented with a valid driver's license or identification card issued by a State regardless of whether such license or card was issued in accordance with section 202 of the REAL ID Act of 2005 (division B of Public Law 109-13; 49 U.S.C. 30301 note). ``(jj) A valid identification card issued by the Department of Defense to a member of the uniformed services or to a dependent of such a member. ``(kk) Any other document determined by the Secretary of Homeland Security, by regulation, to be sufficient evidence of United States citizenship or lawful presence. ``(II) Authorized users.--Any individual who does not maintain an account at the covered institution and who is added as a joint holder or authorized signer on an account at such institution after the date described in subclause (I) shall be subject to the verification requirements of that subclause. ``(ii) Exception.--Clause (i) shall not apply to an individual who maintains an account, before the date described in that clause, at the same covered institution the individual seeks to open an account. ``(C) Individuals with limited period of authorized stay.-- ``(i) Documentation of authorized stay.-- Any covered individual whose period of authorized stay in the United States is temporary, as of the date on which the individual opens an account at a covered institution, shall provide the covered institution with a certification, on a form prescribed by the Secretary of the Treasury, that-- ``(I) identifies the expiration date of such authorized stay; ``(II) describes the basis for such stay; and ``(III) is modeled after the certification requirements applicable to nonresident aliens under chapter 3 of the Internal Revenue Code of 1986. ``(ii) Grace period and account closure.-- ``(I) In general.--Except as provided in subclause (III), beginning on the last day of the period of authorized stay of a covered individual described in clause (i)(I), the covered individual shall retain full access to the account for a period of 30 days, after which, if the covered individual has not provided updated documentation of lawful presence, the covered institution shall restrict transactions involving the account of the covered individual for a period of 60 days in accordance with subclause (II). ``(II) Transaction limitations.-- During the 60-day period described in subclause (I), the covered institution shall-- ``(aa) permit incoming deposits, direct deposits, and other credits to the account; and ``(bb) prohibit all withdrawals, outgoing transfers, debit or credit card transactions, and wire transfers. ``(III) Full access.--If the covered individual provides updated documentation of lawful presence during the 30-day or 60-day period described in subclause (I) in accordance with clause (i), the covered institution shall restore full access to the account of the covered individual. ``(iii) Account closure.--If the covered individual does not provide updated documentation of lawful presence before the end of the 60-day restricted period described in clause (ii)(I), the covered institution shall close the account in accordance with regulations promulgated under paragraph (4). ``(iv) Accounts opened by legal entities.-- The requirements of this paragraph shall not apply to accounts opened by legal entities. ``(3) Frozen or closed account procedures.-- ``(A) In general.--Except as provided in paragraph (2)(C), a covered institution shall freeze or close the account of any covered individual who is not lawfully present in the United States or who is otherwise determined to be ineligible under this subsection. ``(B) Applicability.--Any applicable provision of law (including regulations) regarding the closure of an account shall apply to an account frozen under this paragraph. ``(4) Penalty.-- ``(A) In general.--Except as provided in subparagraph (B), any covered institution that violates this subsection shall be subject to a civil penalty. ``(B) Safe harbors.--No covered institution may be subject a civil penalty for a violation of this subsection if the covered institution-- ``(i) makes a good-faith effort to comply with this subsection, and the regulations promulgated under this subsection; ``(ii) accepts any document listed in subparagraph (B)(i)(I) and relies on such document, including in any good-faith closure or freezing of an account under paragraph (3); or ``(iii) accepts a driver's license or identification card issued by a State that requires proof of lawful presence or United States citizenship as a condition for issuance. ``(5) Enforcement.-- ``(A) In general.--Except as provided in subparagraph (B), the Secretary of the Treasury, acting through the Director of the Financial Crimes Enforcement Network, shall enforce the provisions of this subsection. ``(B) Insured credit unions.--With respect to insured credit unions, the Secretary of the Treasury shall coordinate enforcement with the National Credit Union Administration. ``(6) Rulemaking.-- ``(A) Interim guidance.-- ``(i) In general.--Not later than 30 days after the date of enactment of this subsection, the Secretary of the Treasury shall issue interim guidance carrying out this subsection. ``(ii) Force and effect.--The interim guidance issued under this subparagraph shall have the force and effect of a rule promulgated under section 553 of title 5 until superseded by final regulations under subparagraph (B). ``(iii) Inapplicability.--Chapter 35 of title 44 shall not apply to any collection of information required under the interim guidance issued under this subparagraph. ``(B) Final regulations.--Not later than 90 days after the date of enactment of this subsection, the Secretary of the Treasury shall promulgate final regulations carrying out this subsection, including-- ``(i) the procedures and timing for freezing and closing accounts; ``(ii) the notice requirements applicable to account holders; ``(iii) the handling of distributions or transfers directed to frozen or closed accounts, including procedures for redirecting incoming payments; and ``(iv) the disbursement or transfer of remaining balances to another financial institution or foreign financial institution designated by the individual. ``(7) Applicability.--Nothing in this subsection shall apply to, restrict, or impose any additional verification requirements on-- ``(A) accounts held by nonresident aliens (as defined in section 7701(b)(1)(B) of the Internal Revenue Code of 1986) who are not physically present in the United States; ``(B) accounts maintained by foreign persons, foreign corporations, foreign governments, or other foreign entities not resident or physically present in the United States; ``(C) deposits or accounts at branches or agencies of foreign banks in the United States, to the extent attributable to non-resident or foreign sources; ``(D) any other foreign capital inflows, correspondent accounts, or international banking liabilities to foreign residents, as reported under the Treasury International Capital system or similar frameworks. ``(8) Effect on state law.--The provisions of this section shall supersede any provisions of the law of any State relating to the verification of the lawful residency of covered individuals by financial institutions chartered, licensed, or operating in the United States.''. SEC. 3. LIMITATION ON CRIMINAL PENALTIES. Section 5322 of title 31, United States Code, is amended by adding at the end the following: ``(f)(1) In this subsection-- ``(A) the term `active account'-- ``(i) means an account with which an individual may conduct transactions; and ``(ii) does not include an account that has been restricted or frozen under section 5318(r); and ``(B) the terms `covered institution', `lawfully present', and `period of authorized stay' have the meanings given the terms in section 5318(r). ``(2)(A) Except as provided in subparagraph (B), Any individual who is not lawfully present in the United States, or whose removal has been ordered under chapter 4 of title II of the Immigration and Nationality Act (8 U.S.C. 1221 et seq.), and who opens or maintains an active account at a covered institution, shall be fined not more than $1,000,000, imprisoned for not more than 1 year, or both. This paragraph does not apply to any individual whose period of authorized stay expired within the preceding 90 days, or who has filed an application for asylum under section 208 of the Immigration and Nationality Act (8 U.S.C. 1158) that has not been finally adjudicated. ``(B) Subparagraph (A) shall not apply to any individual-- ``(i) whose period of authorized stay expired within the preceding 90 days; or ``(ii) who has filed an application for asylum under section 208 of the Immigration and Nationality Act (8 U.S.C. 1158) that has not been finally adjudicated. ``(3) Any individual who is not lawfully present in the United States, or whose removal has been ordered under chapter 4 of title II of the Immigration and Nationality Act (8 U.S.C. 1221 et seq.), and who opens or maintains an account at a covered institution through a legal entity, or who directs another person to do so on the behalf of the individual, shall be fined not more than $1,000,000, imprisoned for not more than 1 year, or both. ``(4) Notwithstanding subsections (a) and (b), no person shall be subject to criminal penalties under this section solely for a violation of section 5318(r). ``(5) Nothing in this subsection shall be construed to limit criminal liability for any criminal violation of Federal law arising independently of a violation of section 5318(r).''. <all>\n\nSUMMARY TO EVALUATE:\nTitle: Mandatory citizenship and legal status verification for bank accounts\nSummary: This bill requires banks and credit unions to verify that all account holders are U.S. citizens or legally present in the country. Individuals without legal status will be barred from maintaining bank accounts, with strict penalties for non-compliance.\nKey Points: Financial institutions must verify legal status using specific documents like passports, REAL ID licenses, or permanent resident cards., Accounts of individuals with expired temporary status will be restricted and eventually closed if updated proof is not provided., Unlawfully present individuals maintaining active bank accounts face fines up to $1 million and up to one year in prison., Exceptions apply to asylum seekers and foreign entities or individuals not physically present in the United States.\n\nZASADY OCENY:\n1. Sprawdź wszystkie LICZBY, DATY i KWOTY w SUMMARY. Jeśli którejś brakuje w SOURCE -> is_valid: false.\n2. Sprawdź wszystkie NAZWISKA, ORGANIZACJE i MIEJSCA w SUMMARY. Jeśli którejś brakuje w SOURCE -> is_valid: false.\n3. Sprawdź wszystkie konkretne DZIAŁANIA PRAWNE . Jeśli tego mechanizmu nie ma w SOURCE -> is_valid: false.\n\nWAŻNE: Abstrakcyjne pojęcia (np. \"transparentność\", \"zaufanie\") są dozwolone jako wnioski.\n\nOUTPUT (JSON):\n{\n  \"is_valid\": true/false,\n  \"issue\": \"fabricated_entity\" / \"contradiction\" / \"none\"\n}\n\nWYMAGANIA FORMATOWANIA:\n1. Odpowiedz WYŁĄCZNIE surowym obiektem JSON.\n2. NIE używaj bloków kodu Markdown.\n3. NIE dodawaj żadnych wstępów ani wyjaśnień przed ani po JSONie.\n4. JSON musi być poprawny i gotowy do parsowania.\n\n",
      "ai_response_raw": "{\n  \"is_valid\": true,\n  \"issue\": \"none\"\n}"
    },
    {
      "timestamp": "2026-04-13T15:44:19.856Z",
      "source_url": "https://www.congress.gov/119/bills/s4206/BILLS-119s4206is.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. 4206 Introduced in Senate (IS)] <DOC> 119th CONGRESS 2d Session S. 4206 To amend title 31, United States Code, to require certain financial institutions to verify the citizenship and legal status of individuals, and for other purposes. _______________________________________________________________________ IN THE SENATE OF THE UNITED STATES March 25, 2026 Mr. Cotton introduced the following bill; which was read twice and referred to the Committee on Banking, Housing, and Urban Affairs _______________________________________________________________________ A BILL To amend title 31, United States Code, to require certain financial institutions to verify the citizenship and legal status of individuals, 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 ``Know Your American Customer Act''. SEC. 2. VERIFICATION OF CITIZENSHIP AND LEGAL STATUS. Section 5318 of title 31, United States Code, is amended by adding at the end the following: ``(r) Verification of Citizenship and Legal Status.-- ``(1) Definitions.--In this subsection: ``(A) Covered individual.--The term `covered individual' means any natural person who-- ``(i) seeks to open an account at a covered institution; ``(ii)(I) who holds an account at a covered institution that was opened on or after the date that is 90 days after the date of enactment of this subsection; and ``(II) whose eligibility for such account was established through documentation of authorization to temporarily reside in the United States in compliance with paragraph (2)(C); or ``(iii) is identified as the individual exercising substantial control over a legal entity, as described in section 5336, that seeks to open an account at a covered institution. ``(B) Covered institution.--The term `covered institution' means-- ``(i) an insured depository institution; and ``(ii) an insured credit union. ``(C) Distributions or transfers.--The term `distributions or transfers' means any payment, refund, deposit, or other funds that would otherwise be directed to an account that has been frozen or closed under this subsection. ``(D) Insured credit union.--The term `insured credit union' has the meaning given the term in section 101 of the Federal Credit Union Act (12 U.S.C. 1752). ``(E) Insured depository institution.--The term `insured depository institution' has the meaning given the term in section 3 of the Federal Deposit Insurance Act (12 U.S.C. 1813). ``(F) Lawful presence; lawfully present in the united states.--The terms `lawful presence' and `lawfully present in the United States', with respect to an individual, mean that the individual is-- ``(i) a citizen or national of the United States; or ``(ii) an alien-- ``(I) who has been inspected and admitted or paroled into the United States under the Immigration and Nationality Act (8 U.S.C. 1101 et seq.); and ``(II) whose period of authorized stay has not expired. ``(G) Period of authorized stay.--The term `period of authorized stay' means the period during which an alien is authorized by the Secretary of Homeland Security to be present in the United States, as evidenced by a document issued by the Department of Homeland Security, including an Arrival/Departure Record (Form I-94) (or an equivalent document). ``(2) Eligibility to open and maintain an account.-- ``(A) In general.--Except as provided in subparagraph (C), a covered institution may not open or maintain an account for any covered individual who is not lawfully present in the United States. ``(B) Verification requirement.-- ``(i) New accounts.-- ``(I) In general.--Except as provided in clause (ii), beginning on and after the date that is 90 days after the date of enactment of this subjection, a covered individual shall present 1 of the following, which may be an original or certified copy, to open an account at a covered institution: ``(aa) A driver's license or identification card issued by a State that is compliant with section 202 of the REAL ID Act of 2005 (division B of Public Law 109-13; 49 U.S.C. 30301 note). ``(bb) A United States passport or passport card. ``(cc) A birth certificate issued by the vital records office of a State, territory, or the District of Columbia. ``(dd) A Certificate of Naturalization (Form N-550, Form N-570, or Form N-578). ``(ee) A Certificate of Citizenship (Form N-560 or Form N-561). ``(ff) A Consular Report of Birth Abroad (Form FS-240) or Certification of Report of Birth (Form DS-1350). ``(gg) A Permanent Resident Card (Form I-551). ``(hh) A valid, unexpired foreign passport with a valid Arrival/Departure Record (Form I-94) or nonimmigrant visa demonstrating lawful admission and lawful presence. ``(ii) A Social Security Administration proof-of- earnings card or statement, presented with a valid driver's license or identification card issued by a State regardless of whether such license or card was issued in accordance with section 202 of the REAL ID Act of 2005 (division B of Public Law 109-13; 49 U.S.C. 30301 note). ``(jj) A valid identification card issued by the Department of Defense to a member of the uniformed services or to a dependent of such a member. ``(kk) Any other document determined by the Secretary of Homeland Security, by regulation, to be sufficient evidence of United States citizenship or lawful presence. ``(II) Authorized users.--Any individual who does not maintain an account at the covered institution and who is added as a joint holder or authorized signer on an account at such institution after the date described in subclause (I) shall be subject to the verification requirements of that subclause. ``(ii) Exception.--Clause (i) shall not apply to an individual who maintains an account, before the date described in that clause, at the same covered institution the individual seeks to open an account. ``(C) Individuals with limited period of authorized stay.-- ``(i) Documentation of authorized stay.-- Any covered individual whose period of authorized stay in the United States is temporary, as of the date on which the individual opens an account at a covered institution, shall provide the covered institution with a certification, on a form prescribed by the Secretary of the Treasury, that-- ``(I) identifies the expiration date of such authorized stay; ``(II) describes the basis for such stay; and ``(III) is modeled after the certification requirements applicable to nonresident aliens under chapter 3 of the Internal Revenue Code of 1986. ``(ii) Grace period and account closure.-- ``(I) In general.--Except as provided in subclause (III), beginning on the last day of the period of authorized stay of a covered individual described in clause (i)(I), the covered individual shall retain full access to the account for a period of 30 days, after which, if the covered individual has not provided updated documentation of lawful presence, the covered institution shall restrict transactions involving the account of the covered individual for a period of 60 days in accordance with subclause (II). ``(II) Transaction limitations.-- During the 60-day period described in subclause (I), the covered institution shall-- ``(aa) permit incoming deposits, direct deposits, and other credits to the account; and ``(bb) prohibit all withdrawals, outgoing transfers, debit or credit card transactions, and wire transfers. ``(III) Full access.--If the covered individual provides updated documentation of lawful presence during the 30-day or 60-day period described in subclause (I) in accordance with clause (i), the covered institution shall restore full access to the account of the covered individual. ``(iii) Account closure.--If the covered individual does not provide updated documentation of lawful presence before the end of the 60-day restricted period described in clause (ii)(I), the covered institution shall close the account in accordance with regulations promulgated under paragraph (4). ``(iv) Accounts opened by legal entities.-- The requirements of this paragraph shall not apply to accounts opened by legal entities. ``(3) Frozen or closed account procedures.-- ``(A) In general.--Except as provided in paragraph (2)(C), a covered institution shall freeze or close the account of any covered individual who is not lawfully present in the United States or who is otherwise determined to be ineligible under this subsection. ``(B) Applicability.--Any applicable provision of law (including regulations) regarding the closure of an account shall apply to an account frozen under this paragraph. ``(4) Penalty.-- ``(A) In general.--Except as provided in subparagraph (B), any covered institution that violates this subsection shall be subject to a civil penalty. ``(B) Safe harbors.--No covered institution may be subject a civil penalty for a violation of this subsection if the covered institution-- ``(i) makes a good-faith effort to comply with this subsection, and the regulations promulgated under this subsection; ``(ii) accepts any document listed in subparagraph (B)(i)(I) and relies on such document, including in any good-faith closure or freezing of an account under paragraph (3); or ``(iii) accepts a driver's license or identification card issued by a State that requires proof of lawful presence or United States citizenship as a condition for issuance. ``(5) Enforcement.-- ``(A) In general.--Except as provided in subparagraph (B), the Secretary of the Treasury, acting through the Director of the Financial Crimes Enforcement Network, shall enforce the provisions of this subsection. ``(B) Insured credit unions.--With respect to insured credit unions, the Secretary of the Treasury shall coordinate enforcement with the National Credit Union Administration. ``(6) Rulemaking.-- ``(A) Interim guidance.-- ``(i) In general.--Not later than 30 days after the date of enactment of this subsection, the Secretary of the Treasury shall issue interim guidance carrying out this subsection. ``(ii) Force and effect.--The interim guidance issued under this subparagraph shall have the force and effect of a rule promulgated under section 553 of title 5 until superseded by final regulations under subparagraph (B). ``(iii) Inapplicability.--Chapter 35 of title 44 shall not apply to any collection of information required under the interim guidance issued under this subparagraph. ``(B) Final regulations.--Not later than 90 days after the date of enactment of this subsection, the Secretary of the Treasury shall promulgate final regulations carrying out this subsection, including-- ``(i) the procedures and timing for freezing and closing accounts; ``(ii) the notice requirements applicable to account holders; ``(iii) the handling of distributions or transfers directed to frozen or closed accounts, including procedures for redirecting incoming payments; and ``(iv) the disbursement or transfer of remaining balances to another financial institution or foreign financial institution designated by the individual. ``(7) Applicability.--Nothing in this subsection shall apply to, restrict, or impose any additional verification requirements on-- ``(A) accounts held by nonresident aliens (as defined in section 7701(b)(1)(B) of the Internal Revenue Code of 1986) who are not physically present in the United States; ``(B) accounts maintained by foreign persons, foreign corporations, foreign governments, or other foreign entities not resident or physically present in the United States; ``(C) deposits or accounts at branches or agencies of foreign banks in the United States, to the extent attributable to non-resident or foreign sources; ``(D) any other foreign capital inflows, correspondent accounts, or international banking liabilities to foreign residents, as reported under the Treasury International Capital system or similar frameworks. ``(8) Effect on state law.--The provisions of this section shall supersede any provisions of the law of any State relating to the verification of the lawful residency of covered individuals by financial institutions chartered, licensed, or operating in the United States.''. SEC. 3. LIMITATION ON CRIMINAL PENALTIES. Section 5322 of title 31, United States Code, is amended by adding at the end the following: ``(f)(1) In this subsection-- ``(A) the term `active account'-- ``(i) means an account with which an individual may conduct transactions; and ``(ii) does not include an account that has been restricted or frozen under section 5318(r); and ``(B) the terms `covered institution', `lawfully present', and `period of authorized stay' have the meanings given the terms in section 5318(r). ``(2)(A) Except as provided in subparagraph (B), Any individual who is not lawfully present in the United States, or whose removal has been ordered under chapter 4 of title II of the Immigration and Nationality Act (8 U.S.C. 1221 et seq.), and who opens or maintains an active account at a covered institution, shall be fined not more than $1,000,000, imprisoned for not more than 1 year, or both. This paragraph does not apply to any individual whose period of authorized stay expired within the preceding 90 days, or who has filed an application for asylum under section 208 of the Immigration and Nationality Act (8 U.S.C. 1158) that has not been finally adjudicated. ``(B) Subparagraph (A) shall not apply to any individual-- ``(i) whose period of authorized stay expired within the preceding 90 days; or ``(ii) who has filed an application for asylum under section 208 of the Immigration and Nationality Act (8 U.S.C. 1158) that has not been finally adjudicated. ``(3) Any individual who is not lawfully present in the United States, or whose removal has been ordered under chapter 4 of title II of the Immigration and Nationality Act (8 U.S.C. 1221 et seq.), and who opens or maintains an account at a covered institution through a legal entity, or who directs another person to do so on the behalf of the individual, shall be fined not more than $1,000,000, imprisoned for not more than 1 year, or both. ``(4) Notwithstanding subsections (a) and (b), no person shall be subject to criminal penalties under this section solely for a violation of section 5318(r). ``(5) Nothing in this subsection shall be construed to limit criminal liability for any criminal violation of Federal law arising independently of a violation of section 5318(r).''. <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\": \"Weryfikacja obywatelstwa i statusu prawnego przy zakładaniu kont bankowych\",\n  \"pl_summary\": \"Ustawa nakłada na banki obowiązek sprawdzania obywatelstwa lub legalnego pobytu osób otwierających i posiadających konta. Osoby bez uregulowanego statusu prawnego w USA nie będą mogły korzystać z usług bankowych, a za złamanie przepisów grożą wysokie kary finansowe i więzienie.\",\n  \"pl_key_points\": [\n    \"Banki muszą wymagać dokumentów potwierdzających obywatelstwo lub legalny pobyt, takich jak paszport, REAL ID lub zielona karta.\",\n    \"Konta osób z wygasłym pozwoleniem na pobyt zostaną zablokowane po 30 dniach, a następnie zamknięte, jeśli status nie zostanie odnowiony.\",\n    \"Osoby przebywające w USA nielegalnie, które posiadają aktywne konto, mogą zostać ukarane grzywną do 1 mln dolarów lub rokiem więzienia.\",\n    \"Przepisy nie dotyczą osób ubiegających się o azyl oraz kont zagranicznych osób i firm nieprzebywających fizycznie w USA.\"\n  ],\n  \"eng_ai_title\": \"Mandatory citizenship and legal status verification for bank accounts\",\n  \"eng_summary\": \"This bill requires banks and credit unions to verify that all account holders are U.S. citizens or legally present in the country. Individuals without legal status will be barred from maintaining bank accounts, with strict penalties for non-compliance.\",\n  \"eng_key_points\": [\n    \"Financial institutions must verify legal status using specific documents like passports, REAL ID licenses, or permanent resident cards.\",\n    \"Accounts of individuals with expired temporary status will be restricted and eventually closed if updated proof is not provided.\",\n    \"Unlawfully present individuals maintaining active bank accounts face fines up to $1 million and up to one year in prison.\",\n    \"Exceptions apply to asylum seekers and foreign entities or individuals not physically present in the United States.\"\n  ],\n  \"de_ai_title\": \"Verpflichtende Prüfung der Staatsbürgerschaft und des Rechtsstatus für Bankkonten\",\n  \"de_summary\": \"Dieses Gesetz verpflichtet Banken, die Staatsbürgerschaft oder den legalen Aufenthaltsstatus von Kontoinhabern zu prüfen. Personen ohne legalen Status in den USA dürfen keine Bankkonten führen, wobei bei Verstößen hohe Geldstrafen und Haft drohen.\",\n  \"de_key_points\": [\n    \"Banken müssen Dokumente wie Pässe oder Green Cards verlangen, um den legalen Status zu bestätigen.\",\n    \"Konten von Personen mit abgelaufenem Aufenthaltsstatus werden nach einer Frist eingeschränkt und schließlich geschlossen.\",\n    \"Personen ohne legalen Status, die ein aktives Konto führen, drohen Geldstrafen bis zu 1 Million Dollar oder Haftstrafen.\",\n    \"Ausnahmen gelten für Asylbewerber und ausländische Konten von Personen, die sich nicht in den USA aufhalten.\"\n  ],\n  \"fr_ai_title\": \"Vérification obligatoire de la citoyenneté et du statut légal pour les comptes bancaires\",\n  \"fr_summary\": \"Cette loi oblige les banques à vérifier la citoyenneté ou le statut de résidence légale des titulaires de comptes. Les personnes sans statut légal aux États-Unis ne pourront plus détenir de comptes bancaires, sous peine de sanctions pénales.\",\n  \"fr_key_points\": [\n    \"Les banques doivent exiger des documents officiels (passeport, carte de résident) pour prouver la présence légale.\",\n    \"Les comptes liés à des titres de séjour expirés seront restreints puis fermés si aucune mise à jour n'est fournie.\",\n    \"Les personnes en situation irrégulière possédant un compte actif risquent jusqu'à 1 million de dollars d'amende et un an de prison.\",\n    \"Les demandeurs d'asile et les entités étrangères non résidentes ne sont pas soumis à ces restrictions.\"\n  ],\n  \"es_ai_title\": \"Verificación obligatoria de ciudadanía y estatus legal para cuentas bancarias\",\n  \"es_summary\": \"Esta ley exige que los bancos verifiquen la ciudadanía o el estatus legal de residencia de quienes abren o mantienen cuentas. Las personas sin presencia legal en EE. UU. no podrán tener cuentas bancarias y enfrentarán severas sanciones.\",\n  \"es_key_points\": [\n    \"Los bancos deben solicitar documentos como pasaportes o tarjetas de residencia para confirmar el estatus legal.\",\n    \"Las cuentas de personas con permisos de estancia vencidos serán restringidas y cerradas si no se actualiza la documentación.\",\n    \"Las personas en situación irregular con cuentas activas pueden ser multadas con hasta 1 millón de dólares o un año de cárcel.\",\n    \"Se excluye de estas medidas a los solicitantes de asilo y a las cuentas de extranjeros que no residen en el país.\"\n  ],\n  \"it_ai_title\": \"Verifica obbligatoria della cittadinanza e dello stato legale per i conti bancari\",\n  \"it_summary\": \"Questa legge impone alle banche di verificare la cittadinanza o lo stato di residenza legale dei titolari di conto. Chi non ha un permesso di soggiorno valido negli Stati Uniti non potrà mantenere conti bancari, rischiando pesanti sanzioni.\",\n  \"it_key_points\": [\n    \"Le banche devono richiedere documenti come passaporti o Green Card per confermare la presenza legale.\",\n    \"I conti di persone con permessi scaduti verranno limitati e poi chiusi se non viene fornita nuova documentazione.\",\n    \"Gli individui in posizione irregolare con conti attivi rischiano multe fino a 1 milione di dollari e un anno di reclusione.\",\n    \"Sono previste eccezioni per i richiedenti asilo e per i conti esteri di soggetti non presenti negli USA.\"\n  ],\n  \"nl_ai_title\": \"Verplichte verificatie van staatsburgerschap en legale status voor bankrekeningen\",\n  \"nl_summary\": \"Deze wet verplicht banken om het staatsburgerschap of de legale verblijfsstatus van rekeninghouders te controleren. Personen zonder legale status in de VS mogen geen bankrekening houden, op straffe van hoge boetes en gevangenisstraf.\",\n  \"nl_key_points\": [\n    \"Banken moeten documenten zoals paspoorten of verblijfsvergunningen eisen om de legale status te bevestigen.\",\n    \"Rekeningen van personen met een verlopen verblijfsstatus worden beperkt en uiteindelijk gesloten als er geen bewijs wordt geleverd.\",\n    \"Onrechtmatig aanwezige personen met een actieve rekening riskeren boetes tot 1 miljoen dollar of een jaar cel.\",\n    \"Uitzonderingen gelden voor asielzoekers en buitenlandse rekeningen van personen die niet in de VS verblijven.\"\n  ],\n  \"pt_ai_title\": \"Verificação obrigatória de cidadania e estatuto legal para contas bancárias\",\n  \"pt_summary\": \"Esta lei exige que os bancos verifiquem a cidadania ou o estatuto de residência legal dos titulares de contas. Pessoas sem presença legal nos EUA não poderão manter contas bancárias, enfrentando sanções rigorosas.\",\n  \"pt_key_points\": [\n    \"Os bancos devem exigir documentos como passaportes ou cartões de residência para confirmar a presença legal.\",\n    \"Contas de pessoas com autorizações de residência expiradas serão restringidas e encerradas se não houver atualização.\",\n    \"Indivíduos em situação irregular com contas ativas podem ser multados em até 1 milhão de dólares ou condenados a um ano de prisão.\",\n    \"A lei não se aplica a requerentes de asilo ou a contas de estrangeiros que não residam fisicamente nos EUA.\"\n  ],\n  \"category\": [\"Migration\", \"Economy\", \"Security\"]\n}"
    },
    {
      "timestamp": "2026-04-13T14:55:36.506Z",
      "source_url": "https://www.congress.gov/119/bills/s4206/BILLS-119s4206is.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. 4206 Introduced in Senate (IS)] <DOC> 119th CONGRESS 2d Session S. 4206 To amend title 31, United States Code, to require certain financial institutions to verify the citizenship and legal status of individuals, and for other purposes. _______________________________________________________________________ IN THE SENATE OF THE UNITED STATES March 25, 2026 Mr. Cotton introduced the following bill; which was read twice and referred to the Committee on Banking, Housing, and Urban Affairs _______________________________________________________________________ A BILL To amend title 31, United States Code, to require certain financial institutions to verify the citizenship and legal status of individuals, 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 ``Know Your American Customer Act''. SEC. 2. VERIFICATION OF CITIZENSHIP AND LEGAL STATUS. Section 5318 of title 31, United States Code, is amended by adding at the end the following: ``(r) Verification of Citizenship and Legal Status.-- ``(1) Definitions.--In this subsection: ``(A) Covered individual.--The term `covered individual' means any natural person who-- ``(i) seeks to open an account at a covered institution; ``(ii)(I) who holds an account at a covered institution that was opened on or after the date that is 90 days after the date of enactment of this subsection; and ``(II) whose eligibility for such account was established through documentation of authorization to temporarily reside in the United States in compliance with paragraph (2)(C); or ``(iii) is identified as the individual exercising substantial control over a legal entity, as described in section 5336, that seeks to open an account at a covered institution. ``(B) Covered institution.--The term `covered institution' means-- ``(i) an insured depository institution; and ``(ii) an insured credit union. ``(C) Distributions or transfers.--The term `distributions or transfers' means any payment, refund, deposit, or other funds that would otherwise be directed to an account that has been frozen or closed under this subsection. ``(D) Insured credit union.--The term `insured credit union' has the meaning given the term in section 101 of the Federal Credit Union Act (12 U.S.C. 1752). ``(E) Insured depository institution.--The term `insured depository institution' has the meaning given the term in section 3 of the Federal Deposit Insurance Act (12 U.S.C. 1813). ``(F) Lawful presence; lawfully present in the united states.--The terms `lawful presence' and `lawfully present in the United States', with respect to an individual, mean that the individual is-- ``(i) a citizen or national of the United States; or ``(ii) an alien-- ``(I) who has been inspected and admitted or paroled into the United States under the Immigration and Nationality Act (8 U.S.C. 1101 et seq.); and ``(II) whose period of authorized stay has not expired. ``(G) Period of authorized stay.--The term `period of authorized stay' means the period during which an alien is authorized by the Secretary of Homeland Security to be present in the United States, as evidenced by a document issued by the Department of Homeland Security, including an Arrival/Departure Record (Form I-94) (or an equivalent document). ``(2) Eligibility to open and maintain an account.-- ``(A) In general.--Except as provided in subparagraph (C), a covered institution may not open or maintain an account for any covered individual who is not lawfully present in the United States. ``(B) Verification requirement.-- ``(i) New accounts.-- ``(I) In general.--Except as provided in clause (ii), beginning on and after the date that is 90 days after the date of enactment of this subjection, a covered individual shall present 1 of the following, which may be an original or certified copy, to open an account at a covered institution: ``(aa) A driver's license or identification card issued by a State that is compliant with section 202 of the REAL ID Act of 2005 (division B of Public Law 109-13; 49 U.S.C. 30301 note). ``(bb) A United States passport or passport card. ``(cc) A birth certificate issued by the vital records office of a State, territory, or the District of Columbia. ``(dd) A Certificate of Naturalization (Form N-550, Form N-570, or Form N-578). ``(ee) A Certificate of Citizenship (Form N-560 or Form N-561). ``(ff) A Consular Report of Birth Abroad (Form FS-240) or Certification of Report of Birth (Form DS-1350). ``(gg) A Permanent Resident Card (Form I-551). ``(hh) A valid, unexpired foreign passport with a valid Arrival/Departure Record (Form I-94) or nonimmigrant visa demonstrating lawful admission and lawful presence. ``(ii) A Social Security Administration proof-of- earnings card or statement, presented with a valid driver's license or identification card issued by a State regardless of whether such license or card was issued in accordance with section 202 of the REAL ID Act of 2005 (division B of Public Law 109-13; 49 U.S.C. 30301 note). ``(jj) A valid identification card issued by the Department of Defense to a member of the uniformed services or to a dependent of such a member. ``(kk) Any other document determined by the Secretary of Homeland Security, by regulation, to be sufficient evidence of United States citizenship or lawful presence. ``(II) Authorized users.--Any individual who does not maintain an account at the covered institution and who is added as a joint holder or authorized signer on an account at such institution after the date described in subclause (I) shall be subject to the verification requirements of that subclause. ``(ii) Exception.--Clause (i) shall not apply to an individual who maintains an account, before the date described in that clause, at the same covered institution the individual seeks to open an account. ``(C) Individuals with limited period of authorized stay.-- ``(i) Documentation of authorized stay.-- Any covered individual whose period of authorized stay in the United States is temporary, as of the date on which the individual opens an account at a covered institution, shall provide the covered institution with a certification, on a form prescribed by the Secretary of the Treasury, that-- ``(I) identifies the expiration date of such authorized stay; ``(II) describes the basis for such stay; and ``(III) is modeled after the certification requirements applicable to nonresident aliens under chapter 3 of the Internal Revenue Code of 1986. ``(ii) Grace period and account closure.-- ``(I) In general.--Except as provided in subclause (III), beginning on the last day of the period of authorized stay of a covered individual described in clause (i)(I), the covered individual shall retain full access to the account for a period of 30 days, after which, if the covered individual has not provided updated documentation of lawful presence, the covered institution shall restrict transactions involving the account of the covered individual for a period of 60 days in accordance with subclause (II). ``(II) Transaction limitations.-- During the 60-day period described in subclause (I), the covered institution shall-- ``(aa) permit incoming deposits, direct deposits, and other credits to the account; and ``(bb) prohibit all withdrawals, outgoing transfers, debit or credit card transactions, and wire transfers. ``(III) Full access.--If the covered individual provides updated documentation of lawful presence during the 30-day or 60-day period described in subclause (I) in accordance with clause (i), the covered institution shall restore full access to the account of the covered individual. ``(iii) Account closure.--If the covered individual does not provide updated documentation of lawful presence before the end of the 60-day restricted period described in clause (ii)(I), the covered institution shall close the account in accordance with regulations promulgated under paragraph (4). ``(iv) Accounts opened by legal entities.-- The requirements of this paragraph shall not apply to accounts opened by legal entities. ``(3) Frozen or closed account procedures.-- ``(A) In general.--Except as provided in paragraph (2)(C), a covered institution shall freeze or close the account of any covered individual who is not lawfully present in the United States or who is otherwise determined to be ineligible under this subsection. ``(B) Applicability.--Any applicable provision of law (including regulations) regarding the closure of an account shall apply to an account frozen under this paragraph. ``(4) Penalty.-- ``(A) In general.--Except as provided in subparagraph (B), any covered institution that violates this subsection shall be subject to a civil penalty. ``(B) Safe harbors.--No covered institution may be subject a civil penalty for a violation of this subsection if the covered institution-- ``(i) makes a good-faith effort to comply with this subsection, and the regulations promulgated under this subsection; ``(ii) accepts any document listed in subparagraph (B)(i)(I) and relies on such document, including in any good-faith closure or freezing of an account under paragraph (3); or ``(iii) accepts a driver's license or identification card issued by a State that requires proof of lawful presence or United States citizenship as a condition for issuance. ``(5) Enforcement.-- ``(A) In general.--Except as provided in subparagraph (B), the Secretary of the Treasury, acting through the Director of the Financial Crimes Enforcement Network, shall enforce the provisions of this subsection. ``(B) Insured credit unions.--With respect to insured credit unions, the Secretary of the Treasury shall coordinate enforcement with the National Credit Union Administration. ``(6) Rulemaking.-- ``(A) Interim guidance.-- ``(i) In general.--Not later than 30 days after the date of enactment of this subsection, the Secretary of the Treasury shall issue interim guidance carrying out this subsection. ``(ii) Force and effect.--The interim guidance issued under this subparagraph shall have the force and effect of a rule promulgated under section 553 of title 5 until superseded by final regulations under subparagraph (B). ``(iii) Inapplicability.--Chapter 35 of title 44 shall not apply to any collection of information required under the interim guidance issued under this subparagraph. ``(B) Final regulations.--Not later than 90 days after the date of enactment of this subsection, the Secretary of the Treasury shall promulgate final regulations carrying out this subsection, including-- ``(i) the procedures and timing for freezing and closing accounts; ``(ii) the notice requirements applicable to account holders; ``(iii) the handling of distributions or transfers directed to frozen or closed accounts, including procedures for redirecting incoming payments; and ``(iv) the disbursement or transfer of remaining balances to another financial institution or foreign financial institution designated by the individual. ``(7) Applicability.--Nothing in this subsection shall apply to, restrict, or impose any additional verification requirements on-- ``(A) accounts held by nonresident aliens (as defined in section 7701(b)(1)(B) of the Internal Revenue Code of 1986) who are not physically present in the United States; ``(B) accounts maintained by foreign persons, foreign corporations, foreign governments, or other foreign entities not resident or physically present in the United States; ``(C) deposits or accounts at branches or agencies of foreign banks in the United States, to the extent attributable to non-resident or foreign sources; ``(D) any other foreign capital inflows, correspondent accounts, or international banking liabilities to foreign residents, as reported under the Treasury International Capital system or similar frameworks. ``(8) Effect on state law.--The provisions of this section shall supersede any provisions of the law of any State relating to the verification of the lawful residency of covered individuals by financial institutions chartered, licensed, or operating in the United States.''. SEC. 3. LIMITATION ON CRIMINAL PENALTIES. Section 5322 of title 31, United States Code, is amended by adding at the end the following: ``(f)(1) In this subsection-- ``(A) the term `active account'-- ``(i) means an account with which an individual may conduct transactions; and ``(ii) does not include an account that has been restricted or frozen under section 5318(r); and ``(B) the terms `covered institution', `lawfully present', and `period of authorized stay' have the meanings given the terms in section 5318(r). ``(2)(A) Except as provided in subparagraph (B), Any individual who is not lawfully present in the United States, or whose removal has been ordered under chapter 4 of title II of the Immigration and Nationality Act (8 U.S.C. 1221 et seq.), and who opens or maintains an active account at a covered institution, shall be fined not more than $1,000,000, imprisoned for not more than 1 year, or both. This paragraph does not apply to any individual whose period of authorized stay expired within the preceding 90 days, or who has filed an application for asylum under section 208 of the Immigration and Nationality Act (8 U.S.C. 1158) that has not been finally adjudicated. ``(B) Subparagraph (A) shall not apply to any individual-- ``(i) whose period of authorized stay expired within the preceding 90 days; or ``(ii) who has filed an application for asylum under section 208 of the Immigration and Nationality Act (8 U.S.C. 1158) that has not been finally adjudicated. ``(3) Any individual who is not lawfully present in the United States, or whose removal has been ordered under chapter 4 of title II of the Immigration and Nationality Act (8 U.S.C. 1221 et seq.), and who opens or maintains an account at a covered institution through a legal entity, or who directs another person to do so on the behalf of the individual, shall be fined not more than $1,000,000, imprisoned for not more than 1 year, or both. ``(4) Notwithstanding subsections (a) and (b), no person shall be subject to criminal penalties under this section solely for a violation of section 5318(r). ``(5) Nothing in this subsection shall be construed to limit criminal liability for any criminal violation of Federal law arising independently of a violation of section 5318(r).''. <all>\n\nSUMMARY TO EVALUATE:\nTitle: Know Your American Customer Act: Citizenship Verification for Bank Accounts\nSummary: This bill requires banks and credit unions to verify the legal status of customers before opening or maintaining their accounts. Individuals without lawful presence in the U.S. face account closures and potential criminal penalties.\nKey Points: Mandatory proof of U.S. citizenship or legal residency (e.g., passport, REAL ID, Green Card) to open a bank account., Temporary residents must certify the expiration date of their authorized stay to the financial institution., Accounts of individuals with expired stay will be frozen after 30 days and closed after 90 days if no updated status is provided., Criminal penalties including fines up to $1 million and imprisonment for unauthorized individuals maintaining active bank accounts.\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": "2026-04-13T14:22:52.909Z",
      "source_url": "https://www.congress.gov/119/bills/s4206/BILLS-119s4206is.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. 4206 Introduced in Senate (IS)] <DOC> 119th CONGRESS 2d Session S. 4206 To amend title 31, United States Code, to require certain financial institutions to verify the citizenship and legal status of individuals, and for other purposes. _______________________________________________________________________ IN THE SENATE OF THE UNITED STATES March 25, 2026 Mr. Cotton introduced the following bill; which was read twice and referred to the Committee on Banking, Housing, and Urban Affairs _______________________________________________________________________ A BILL To amend title 31, United States Code, to require certain financial institutions to verify the citizenship and legal status of individuals, 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 ``Know Your American Customer Act''. SEC. 2. VERIFICATION OF CITIZENSHIP AND LEGAL STATUS. Section 5318 of title 31, United States Code, is amended by adding at the end the following: ``(r) Verification of Citizenship and Legal Status.-- ``(1) Definitions.--In this subsection: ``(A) Covered individual.--The term `covered individual' means any natural person who-- ``(i) seeks to open an account at a covered institution; ``(ii)(I) who holds an account at a covered institution that was opened on or after the date that is 90 days after the date of enactment of this subsection; and ``(II) whose eligibility for such account was established through documentation of authorization to temporarily reside in the United States in compliance with paragraph (2)(C); or ``(iii) is identified as the individual exercising substantial control over a legal entity, as described in section 5336, that seeks to open an account at a covered institution. ``(B) Covered institution.--The term `covered institution' means-- ``(i) an insured depository institution; and ``(ii) an insured credit union. ``(C) Distributions or transfers.--The term `distributions or transfers' means any payment, refund, deposit, or other funds that would otherwise be directed to an account that has been frozen or closed under this subsection. ``(D) Insured credit union.--The term `insured credit union' has the meaning given the term in section 101 of the Federal Credit Union Act (12 U.S.C. 1752). ``(E) Insured depository institution.--The term `insured depository institution' has the meaning given the term in section 3 of the Federal Deposit Insurance Act (12 U.S.C. 1813). ``(F) Lawful presence; lawfully present in the united states.--The terms `lawful presence' and `lawfully present in the United States', with respect to an individual, mean that the individual is-- ``(i) a citizen or national of the United States; or ``(ii) an alien-- ``(I) who has been inspected and admitted or paroled into the United States under the Immigration and Nationality Act (8 U.S.C. 1101 et seq.); and ``(II) whose period of authorized stay has not expired. ``(G) Period of authorized stay.--The term `period of authorized stay' means the period during which an alien is authorized by the Secretary of Homeland Security to be present in the United States, as evidenced by a document issued by the Department of Homeland Security, including an Arrival/Departure Record (Form I-94) (or an equivalent document). ``(2) Eligibility to open and maintain an account.-- ``(A) In general.--Except as provided in subparagraph (C), a covered institution may not open or maintain an account for any covered individual who is not lawfully present in the United States. ``(B) Verification requirement.-- ``(i) New accounts.-- ``(I) In general.--Except as provided in clause (ii), beginning on and after the date that is 90 days after the date of enactment of this subjection, a covered individual shall present 1 of the following, which may be an original or certified copy, to open an account at a covered institution: ``(aa) A driver's license or identification card issued by a State that is compliant with section 202 of the REAL ID Act of 2005 (division B of Public Law 109-13; 49 U.S.C. 30301 note). ``(bb) A United States passport or passport card. ``(cc) A birth certificate issued by the vital records office of a State, territory, or the District of Columbia. ``(dd) A Certificate of Naturalization (Form N-550, Form N-570, or Form N-578). ``(ee) A Certificate of Citizenship (Form N-560 or Form N-561). ``(ff) A Consular Report of Birth Abroad (Form FS-240) or Certification of Report of Birth (Form DS-1350). ``(gg) A Permanent Resident Card (Form I-551). ``(hh) A valid, unexpired foreign passport with a valid Arrival/Departure Record (Form I-94) or nonimmigrant visa demonstrating lawful admission and lawful presence. ``(ii) A Social Security Administration proof-of- earnings card or statement, presented with a valid driver's license or identification card issued by a State regardless of whether such license or card was issued in accordance with section 202 of the REAL ID Act of 2005 (division B of Public Law 109-13; 49 U.S.C. 30301 note). ``(jj) A valid identification card issued by the Department of Defense to a member of the uniformed services or to a dependent of such a member. ``(kk) Any other document determined by the Secretary of Homeland Security, by regulation, to be sufficient evidence of United States citizenship or lawful presence. ``(II) Authorized users.--Any individual who does not maintain an account at the covered institution and who is added as a joint holder or authorized signer on an account at such institution after the date described in subclause (I) shall be subject to the verification requirements of that subclause. ``(ii) Exception.--Clause (i) shall not apply to an individual who maintains an account, before the date described in that clause, at the same covered institution the individual seeks to open an account. ``(C) Individuals with limited period of authorized stay.-- ``(i) Documentation of authorized stay.-- Any covered individual whose period of authorized stay in the United States is temporary, as of the date on which the individual opens an account at a covered institution, shall provide the covered institution with a certification, on a form prescribed by the Secretary of the Treasury, that-- ``(I) identifies the expiration date of such authorized stay; ``(II) describes the basis for such stay; and ``(III) is modeled after the certification requirements applicable to nonresident aliens under chapter 3 of the Internal Revenue Code of 1986. ``(ii) Grace period and account closure.-- ``(I) In general.--Except as provided in subclause (III), beginning on the last day of the period of authorized stay of a covered individual described in clause (i)(I), the covered individual shall retain full access to the account for a period of 30 days, after which, if the covered individual has not provided updated documentation of lawful presence, the covered institution shall restrict transactions involving the account of the covered individual for a period of 60 days in accordance with subclause (II). ``(II) Transaction limitations.-- During the 60-day period described in subclause (I), the covered institution shall-- ``(aa) permit incoming deposits, direct deposits, and other credits to the account; and ``(bb) prohibit all withdrawals, outgoing transfers, debit or credit card transactions, and wire transfers. ``(III) Full access.--If the covered individual provides updated documentation of lawful presence during the 30-day or 60-day period described in subclause (I) in accordance with clause (i), the covered institution shall restore full access to the account of the covered individual. ``(iii) Account closure.--If the covered individual does not provide updated documentation of lawful presence before the end of the 60-day restricted period described in clause (ii)(I), the covered institution shall close the account in accordance with regulations promulgated under paragraph (4). ``(iv) Accounts opened by legal entities.-- The requirements of this paragraph shall not apply to accounts opened by legal entities. ``(3) Frozen or closed account procedures.-- ``(A) In general.--Except as provided in paragraph (2)(C), a covered institution shall freeze or close the account of any covered individual who is not lawfully present in the United States or who is otherwise determined to be ineligible under this subsection. ``(B) Applicability.--Any applicable provision of law (including regulations) regarding the closure of an account shall apply to an account frozen under this paragraph. ``(4) Penalty.-- ``(A) In general.--Except as provided in subparagraph (B), any covered institution that violates this subsection shall be subject to a civil penalty. ``(B) Safe harbors.--No covered institution may be subject a civil penalty for a violation of this subsection if the covered institution-- ``(i) makes a good-faith effort to comply with this subsection, and the regulations promulgated under this subsection; ``(ii) accepts any document listed in subparagraph (B)(i)(I) and relies on such document, including in any good-faith closure or freezing of an account under paragraph (3); or ``(iii) accepts a driver's license or identification card issued by a State that requires proof of lawful presence or United States citizenship as a condition for issuance. ``(5) Enforcement.-- ``(A) In general.--Except as provided in subparagraph (B), the Secretary of the Treasury, acting through the Director of the Financial Crimes Enforcement Network, shall enforce the provisions of this subsection. ``(B) Insured credit unions.--With respect to insured credit unions, the Secretary of the Treasury shall coordinate enforcement with the National Credit Union Administration. ``(6) Rulemaking.-- ``(A) Interim guidance.-- ``(i) In general.--Not later than 30 days after the date of enactment of this subsection, the Secretary of the Treasury shall issue interim guidance carrying out this subsection. ``(ii) Force and effect.--The interim guidance issued under this subparagraph shall have the force and effect of a rule promulgated under section 553 of title 5 until superseded by final regulations under subparagraph (B). ``(iii) Inapplicability.--Chapter 35 of title 44 shall not apply to any collection of information required under the interim guidance issued under this subparagraph. ``(B) Final regulations.--Not later than 90 days after the date of enactment of this subsection, the Secretary of the Treasury shall promulgate final regulations carrying out this subsection, including-- ``(i) the procedures and timing for freezing and closing accounts; ``(ii) the notice requirements applicable to account holders; ``(iii) the handling of distributions or transfers directed to frozen or closed accounts, including procedures for redirecting incoming payments; and ``(iv) the disbursement or transfer of remaining balances to another financial institution or foreign financial institution designated by the individual. ``(7) Applicability.--Nothing in this subsection shall apply to, restrict, or impose any additional verification requirements on-- ``(A) accounts held by nonresident aliens (as defined in section 7701(b)(1)(B) of the Internal Revenue Code of 1986) who are not physically present in the United States; ``(B) accounts maintained by foreign persons, foreign corporations, foreign governments, or other foreign entities not resident or physically present in the United States; ``(C) deposits or accounts at branches or agencies of foreign banks in the United States, to the extent attributable to non-resident or foreign sources; ``(D) any other foreign capital inflows, correspondent accounts, or international banking liabilities to foreign residents, as reported under the Treasury International Capital system or similar frameworks. ``(8) Effect on state law.--The provisions of this section shall supersede any provisions of the law of any State relating to the verification of the lawful residency of covered individuals by financial institutions chartered, licensed, or operating in the United States.''. SEC. 3. LIMITATION ON CRIMINAL PENALTIES. Section 5322 of title 31, United States Code, is amended by adding at the end the following: ``(f)(1) In this subsection-- ``(A) the term `active account'-- ``(i) means an account with which an individual may conduct transactions; and ``(ii) does not include an account that has been restricted or frozen under section 5318(r); and ``(B) the terms `covered institution', `lawfully present', and `period of authorized stay' have the meanings given the terms in section 5318(r). ``(2)(A) Except as provided in subparagraph (B), Any individual who is not lawfully present in the United States, or whose removal has been ordered under chapter 4 of title II of the Immigration and Nationality Act (8 U.S.C. 1221 et seq.), and who opens or maintains an active account at a covered institution, shall be fined not more than $1,000,000, imprisoned for not more than 1 year, or both. This paragraph does not apply to any individual whose period of authorized stay expired within the preceding 90 days, or who has filed an application for asylum under section 208 of the Immigration and Nationality Act (8 U.S.C. 1158) that has not been finally adjudicated. ``(B) Subparagraph (A) shall not apply to any individual-- ``(i) whose period of authorized stay expired within the preceding 90 days; or ``(ii) who has filed an application for asylum under section 208 of the Immigration and Nationality Act (8 U.S.C. 1158) that has not been finally adjudicated. ``(3) Any individual who is not lawfully present in the United States, or whose removal has been ordered under chapter 4 of title II of the Immigration and Nationality Act (8 U.S.C. 1221 et seq.), and who opens or maintains an account at a covered institution through a legal entity, or who directs another person to do so on the behalf of the individual, shall be fined not more than $1,000,000, imprisoned for not more than 1 year, or both. ``(4) Notwithstanding subsections (a) and (b), no person shall be subject to criminal penalties under this section solely for a violation of section 5318(r). ``(5) Nothing in this subsection shall be construed to limit criminal liability for any criminal violation of Federal law arising independently of a violation of section 5318(r).''. <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\": \"Weryfikacja obywatelstwa i statusu prawnego przy zakładaniu kont bankowych\",\n  \"pl_summary\": \"Nowe przepisy nakładają na banki i unie kredytowe obowiązek sprawdzania, czy klienci przebywają w USA legalnie przed otwarciem lub utrzymaniem ich kont. Osoby bez udokumentowanego statusu prawnego mogą stracić dostęp do usług bankowych i narazić się na wysokie kary finansowe.\",\n  \"pl_key_points\": [\n    \"Wymóg okazania dokumentu potwierdzającego obywatelstwo lub legalny pobyt (np. paszport, REAL ID, zielona karta) przy otwieraniu konta.\",\n    \"Osoby z czasowym pozwoleniem na pobyt muszą zgłaszać bankowi datę wygaśnięcia swojej wizy.\",\n    \"Konta osób, których pozwolenie na pobyt wygasło, zostaną zamrożone po 30 dniach, a następnie zamknięte, jeśli nie przedstawią nowych dokumentów.\",\n    \"Wprowadzenie kar do 1 miliona dolarów i do roku więzienia dla osób nieprzebywających legalnie w USA za posiadanie aktywnego konta bankowego.\"\n  ],\n  \"eng_ai_title\": \"Know Your American Customer Act: Citizenship Verification for Bank Accounts\",\n  \"eng_summary\": \"This bill requires banks and credit unions to verify the legal status of customers before opening or maintaining their accounts. Individuals without lawful presence in the U.S. face account closures and potential criminal penalties.\",\n  \"eng_key_points\": [\n    \"Mandatory proof of U.S. citizenship or legal residency (e.g., passport, REAL ID, Green Card) to open a bank account.\",\n    \"Temporary residents must certify the expiration date of their authorized stay to the financial institution.\",\n    \"Accounts of individuals with expired stay will be frozen after 30 days and closed after 90 days if no updated status is provided.\",\n    \"Criminal penalties including fines up to $1 million and imprisonment for unauthorized individuals maintaining active bank accounts.\"\n  ],\n  \"de_ai_title\": \"Gesetz zur Überprüfung der Staatsbürgerschaft bei der Eröffnung von Bankkonten\",\n  \"de_summary\": \"Dieses Gesetz verpflichtet Banken, den legalen Aufenthaltsstatus von Kunden zu prüfen, bevor sie Konten eröffnen oder weiterführen. Personen ohne rechtmäßigen Aufenthalt in den USA drohen Kontosperrungen und strafrechtliche Konsequenzen.\",\n  \"de_key_points\": [\n    \"Pflicht zur Vorlage von Dokumenten wie Reisepass oder REAL ID zur Bestätigung der Staatsbürgerschaft oder des legalen Aufenthalts.\",\n    \"Personen mit befristetem Aufenthalt müssen der Bank das Ablaufdatum ihrer Genehmigung mitteilen.\",\n    \"Konten werden nach Ablauf der Aufenthaltsgenehmigung zunächst eingeschränkt und schließlich geschlossen, falls kein neuer Nachweis erbracht wird.\",\n    \"Geldstrafen von bis zu 1 Million Dollar für Personen ohne legalen Status, die ein aktives Bankkonto führen.\"\n  ],\n  \"fr_ai_title\": \"Loi sur la vérification de la citoyenneté pour l'accès aux comptes bancaires\",\n  \"fr_summary\": \"Cette loi oblige les banques à vérifier le statut légal des clients avant d'ouvrir ou de maintenir un compte. Les personnes sans présence légale aux États-Unis risquent la fermeture de leurs comptes et des sanctions pénales.\",\n  \"fr_key_points\": [\n    \"Présentation obligatoire d'une preuve de citoyenneté ou de résidence légale (ex: passeport, carte verte) pour toute ouverture de compte.\",\n    \"Les résidents temporaires doivent déclarer la date d'expiration de leur séjour autorisé à leur banque.\",\n    \"Gel des comptes 30 jours après l'expiration du séjour, suivi d'une fermeture définitive si aucun nouveau document n'est fourni.\",\n    \"Amendes criminelles pouvant atteindre 1 million de dollars pour les personnes non autorisées utilisant un compte bancaire actif.\"\n  ],\n  \"es_ai_title\": \"Ley de verificación de ciudadanía para la apertura de cuentas bancarias\",\n  \"es_summary\": \"Esta ley exige que los bancos verifiquen el estatus legal de los clientes antes de abrir o mantener cuentas. Las personas sin presencia legal en EE. UU. podrían enfrentar el cierre de sus cuentas y sanciones penales.\",\n  \"es_key_points\": [\n    \"Requisito de presentar documentos como pasaporte o REAL ID para demostrar la ciudadanía o estancia legal al abrir una cuenta.\",\n    \"Los residentes temporales deben certificar ante el banco la fecha de vencimiento de su permiso de estancia.\",\n    \"Las cuentas de personas con permisos vencidos serán restringidas tras 30 días y cerradas definitivamente si no se actualiza la documentación.\",\n    \"Multas de hasta 1 millón de dólares y penas de prisión para personas sin estatus legal que mantengan cuentas activas.\"\n  ],\n  \"it_ai_title\": \"Legge sulla verifica della cittadinanza per i conti correnti bancari\",\n  \"it_summary\": \"La legge impone alle banche di verificare lo stato legale dei clienti prima di aprire o mantenere un conto. Chi non risiede legalmente negli Stati Uniti rischia la chiusura del conto e pesanti sanzioni penali.\",\n  \"it_key_points\": [\n    \"Obbligo di presentare prove di cittadinanza o residenza legale (es. passaporto o Green Card) per l'apertura di nuovi conti.\",\n    \"I residenti temporanei devono comunicare alla banca la data di scadenza del loro permesso di soggiorno.\",\n    \"Blocco delle transazioni in uscita 30 giorni dopo la scadenza del permesso, con successiva chiusura del conto in mancanza di rinnovo.\",\n    \"Sanzioni penali fino a 1 milione di dollari per chi mantiene un conto attivo senza avere un titolo di soggiorno valido.\"\n  ],\n  \"nl_ai_title\": \"Wet op de verificatie van burgerschap bij bankrekeningen\",\n  \"nl_summary\": \"Banken moeten voortaan de legale status van klanten controleren voordat zij een rekening openen of aanhouden. Personen zonder wettig verblijf in de VS riskeren dat hun rekening wordt gesloten en kunnen strafrechtelijk worden vervolgd.\",\n  \"nl_key_points\": [\n    \"Verplichte identificatie met documenten zoals een paspoort of REAL ID om burgerschap of legaal verblijf aan te tonen.\",\n    \"Tijdelijke bewoners moeten de vervaldatum van hun verblijfsvergunning aan de bank doorgeven.\",\n    \"Rekeningen worden bevroren en uiteindelijk gesloten als er na het verlopen van het verblijf geen nieuwe documenten worden getoond.\",\n    \"Boetes tot 1 miljoen dollar voor onbevoegden die een actieve bankrekening aanhouden.\"\n  ],\n  \"pt_ai_title\": \"Lei de verificação de cidadania para abertura de contas bancárias\",\n  \"pt_summary\": \"Esta lei exige que os bancos verifiquem o estatuto legal dos clientes antes de abrirem ou manterem contas. Pessoas sem presença legal nos EUA enfrentam o encerramento de contas e possíveis sanções criminais.\",\n  \"pt_key_points\": [\n    \"Exigência de documentos como passaporte ou Green Card para comprovar cidadania ou residência legal ao abrir uma conta.\",\n    \"Residentes temporários devem informar ao banco a data de validade da sua autorização de permanência.\",\n    \"Contas de pessoas com visto expirado serão bloqueadas após 30 dias e encerradas se não houver atualização de documentos.\",\n    \"Multas criminais de até 1 milhão de dólares para indivíduos sem estatuto legal que mantenham contas bancárias ativas.\"\n  ],\n  \"category\": [\"Migration\", \"Economy\", \"Courts and Law\"]\n}"
    },
    {
      "timestamp": "2026-04-13T14:22:50.932Z",
      "source_url": "https://www.congress.gov/119/bills/s4206/BILLS-119s4206is.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. 4206 Introduced in Senate (IS)] <DOC> 119th CONGRESS 2d Session S. 4206 To amend title 31, United States Code, to require certain financial institutions to verify the citizenship and legal status of individuals, and for other purposes. _______________________________________________________________________ IN THE SENATE OF THE UNITED STATES March 25, 2026 Mr. Cotton introduced the following bill; which was read twice and referred to the Committee on Banking, Housing, and Urban Affairs _______________________________________________________________________ A BILL To amend title 31, United States Code, to require certain financial institutions to verify the citizenship and legal status of individuals, 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 ``Know Your American Customer Act''. SEC. 2. VERIFICATION OF CITIZENSHIP AND LEGAL STATUS. Section 5318 of title 31, United States Code, is amended by adding at the end the following: ``(r) Verification of Citizenship and Legal Status.-- ``(1) Definitions.--In this subsection: ``(A) Covered individual.--The term `covered individual' means any natural person who-- ``(i) seeks to open an account at a covered institution; ``(ii)(I) who holds an account at a covered institution that was opened on or after the date that is 90 days after the date of enactment of this subsection; and ``(II) whose eligibility for such account was established through documentation of authorization to temporarily reside in the United States in compliance with paragraph (2)(C); or ``(iii) is identified as the individual exercising substantial control over a legal entity, as described in section 5336, that seeks to open an account at a covered institution. ``(B) Covered institution.--The term `covered institution' means-- ``(i) an insured depository institution; and ``(ii) an insured credit union. ``(C) Distributions or transfers.--The term `distributions or transfers' means any payment, refund, deposit, or other funds that would otherwise be directed to an account that has been frozen or closed under this subsection. ``(D) Insured credit union.--The term `insured credit union' has the meaning given the term in section 101 of the Federal Credit Union Act (12 U.S.C. 1752). ``(E) Insured depository institution.--The term `insured depository institution' has the meaning given the term in section 3 of the Federal Deposit Insurance Act (12 U.S.C. 1813). ``(F) Lawful presence; lawfully present in the united states.--The terms `lawful presence' and `lawfully present in the United States', with respect to an individual, mean that the individual is-- ``(i) a citizen or national of the United States; or ``(ii) an alien-- ``(I) who has been inspected and admitted or paroled into the United States under the Immigration and Nationality Act (8 U.S.C. 1101 et seq.); and ``(II) whose period of authorized stay has not expired. ``(G) Period of authorized stay.--The term `period of authorized stay' means the period during which an alien is authorized by the Secretary of Homeland Security to be present in the United States, as evidenced by a document issued by the Department of Homeland Security, including an Arrival/Departure Record (Form I-94) (or an equivalent document). ``(2) Eligibility to open and maintain an account.-- ``(A) In general.--Except as provided in subparagraph (C), a covered institution may not open or maintain an account for any covered individual who is not lawfully present in the United States. ``(B) Verification requirement.-- ``(i) New accounts.-- ``(I) In general.--Except as provided in clause (ii), beginning on and after the date that is 90 days after the date of enactment of this subjection, a covered individual shall present 1 of the following, which may be an original or certified copy, to open an account at a covered institution: ``(aa) A driver's license or identification card issued by a State that is compliant with section 202 of the REAL ID Act of 2005 (division B of Public Law 109-13; 49 U.S.C. 30301 note). ``(bb) A United States passport or passport card. ``(cc) A birth certificate issued by the vital records office of a State, territory, or the District of Columbia. ``(dd) A Certificate of Naturalization (Form N-550, Form N-570, or Form N-578). ``(ee) A Certificate of Citizenship (Form N-560 or Form N-561). ``(ff) A Consular Report of Birth Abroad (Form FS-240) or Certification of Report of Birth (Form DS-1350). ``(gg) A Permanent Resident Card (Form I-551). ``(hh) A valid, unexpired foreign passport with a valid Arrival/Departure Record (Form I-94) or nonimmigrant visa demonstrating lawful admission and lawful presence. ``(ii) A Social Security Administration proof-of- earnings card or statement, presented with a valid driver's license or identification card issued by a State regardless of whether such license or card was issued in accordance with section 202 of the REAL ID Act of 2005 (division B of Public Law 109-13; 49 U.S.C. 30301 note). ``(jj) A valid identification card issued by the Department of Defense to a member of the uniformed services or to a dependent of such a member. ``(kk) Any other document determined by the Secretary of Homeland Security, by regulation, to be sufficient evidence of United States citizenship or lawful presence. ``(II) Authorized users.--Any individual who does not maintain an account at the covered institution and who is added as a joint holder or authorized signer on an account at such institution after the date described in subclause (I) shall be subject to the verification requirements of that subclause. ``(ii) Exception.--Clause (i) shall not apply to an individual who maintains an account, before the date described in that clause, at the same covered institution the individual seeks to open an account. ``(C) Individuals with limited period of authorized stay.-- ``(i) Documentation of authorized stay.-- Any covered individual whose period of authorized stay in the United States is temporary, as of the date on which the individual opens an account at a covered institution, shall provide the covered institution with a certification, on a form prescribed by the Secretary of the Treasury, that-- ``(I) identifies the expiration date of such authorized stay; ``(II) describes the basis for such stay; and ``(III) is modeled after the certification requirements applicable to nonresident aliens under chapter 3 of the Internal Revenue Code of 1986. ``(ii) Grace period and account closure.-- ``(I) In general.--Except as provided in subclause (III), beginning on the last day of the period of authorized stay of a covered individual described in clause (i)(I), the covered individual shall retain full access to the account for a period of 30 days, after which, if the covered individual has not provided updated documentation of lawful presence, the covered institution shall restrict transactions involving the account of the covered individual for a period of 60 days in accordance with subclause (II). ``(II) Transaction limitations.-- During the 60-day period described in subclause (I), the covered institution shall-- ``(aa) permit incoming deposits, direct deposits, and other credits to the account; and ``(bb) prohibit all withdrawals, outgoing transfers, debit or credit card transactions, and wire transfers. ``(III) Full access.--If the covered individual provides updated documentation of lawful presence during the 30-day or 60-day period described in subclause (I) in accordance with clause (i), the covered institution shall restore full access to the account of the covered individual. ``(iii) Account closure.--If the covered individual does not provide updated documentation of lawful presence before the end of the 60-day restricted period described in clause (ii)(I), the covered institution shall close the account in accordance with regulations promulgated under paragraph (4). ``(iv) Accounts opened by legal entities.-- The requirements of this paragraph shall not apply to accounts opened by legal entities. ``(3) Frozen or closed account procedures.-- ``(A) In general.--Except as provided in paragraph (2)(C), a covered institution shall freeze or close the account of any covered individual who is not lawfully present in the United States or who is otherwise determined to be ineligible under this subsection. ``(B) Applicability.--Any applicable provision of law (including regulations) regarding the closure of an account shall apply to an account frozen under this paragraph. ``(4) Penalty.-- ``(A) In general.--Except as provided in subparagraph (B), any covered institution that violates this subsection shall be subject to a civil penalty. ``(B) Safe harbors.--No covered institution may be subject a civil penalty for a violation of this subsection if the covered institution-- ``(i) makes a good-faith effort to comply with this subsection, and the regulations promulgated under this subsection; ``(ii) accepts any document listed in subparagraph (B)(i)(I) and relies on such document, including in any good-faith closure or freezing of an account under paragraph (3); or ``(iii) accepts a driver's license or identification card issued by a State that requires proof of lawful presence or United States citizenship as a condition for issuance. ``(5) Enforcement.-- ``(A) In general.--Except as provided in subparagraph (B), the Secretary of the Treasury, acting through the Director of the Financial Crimes Enforcement Network, shall enforce the provisions of this subsection. ``(B) Insured credit unions.--With respect to insured credit unions, the Secretary of the Treasury shall coordinate enforcement with the National Credit Union Administration. ``(6) Rulemaking.-- ``(A) Interim guidance.-- ``(i) In general.--Not later than 30 days after the date of enactment of this subsection, the Secretary of the Treasury shall issue interim guidance carrying out this subsection. ``(ii) Force and effect.--The interim guidance issued under this subparagraph shall have the force and effect of a rule promulgated under section 553 of title 5 until superseded by final regulations under subparagraph (B). ``(iii) Inapplicability.--Chapter 35 of title 44 shall not apply to any collection of information required under the interim guidance issued under this subparagraph. ``(B) Final regulations.--Not later than 90 days after the date of enactment of this subsection, the Secretary of the Treasury shall promulgate final regulations carrying out this subsection, including-- ``(i) the procedures and timing for freezing and closing accounts; ``(ii) the notice requirements applicable to account holders; ``(iii) the handling of distributions or transfers directed to frozen or closed accounts, including procedures for redirecting incoming payments; and ``(iv) the disbursement or transfer of remaining balances to another financial institution or foreign financial institution designated by the individual. ``(7) Applicability.--Nothing in this subsection shall apply to, restrict, or impose any additional verification requirements on-- ``(A) accounts held by nonresident aliens (as defined in section 7701(b)(1)(B) of the Internal Revenue Code of 1986) who are not physically present in the United States; ``(B) accounts maintained by foreign persons, foreign corporations, foreign governments, or other foreign entities not resident or physically present in the United States; ``(C) deposits or accounts at branches or agencies of foreign banks in the United States, to the extent attributable to non-resident or foreign sources; ``(D) any other foreign capital inflows, correspondent accounts, or international banking liabilities to foreign residents, as reported under the Treasury International Capital system or similar frameworks. ``(8) Effect on state law.--The provisions of this section shall supersede any provisions of the law of any State relating to the verification of the lawful residency of covered individuals by financial institutions chartered, licensed, or operating in the United States.''. SEC. 3. LIMITATION ON CRIMINAL PENALTIES. Section 5322 of title 31, United States Code, is amended by adding at the end the following: ``(f)(1) In this subsection-- ``(A) the term `active account'-- ``(i) means an account with which an individual may conduct transactions; and ``(ii) does not include an account that has been restricted or frozen under section 5318(r); and ``(B) the terms `covered institution', `lawfully present', and `period of authorized stay' have the meanings given the terms in section 5318(r). ``(2)(A) Except as provided in subparagraph (B), Any individual who is not lawfully present in the United States, or whose removal has been ordered under chapter 4 of title II of the Immigration and Nationality Act (8 U.S.C. 1221 et seq.), and who opens or maintains an active account at a covered institution, shall be fined not more than $1,000,000, imprisoned for not more than 1 year, or both. This paragraph does not apply to any individual whose period of authorized stay expired within the preceding 90 days, or who has filed an application for asylum under section 208 of the Immigration and Nationality Act (8 U.S.C. 1158) that has not been finally adjudicated. ``(B) Subparagraph (A) shall not apply to any individual-- ``(i) whose period of authorized stay expired within the preceding 90 days; or ``(ii) who has filed an application for asylum under section 208 of the Immigration and Nationality Act (8 U.S.C. 1158) that has not been finally adjudicated. ``(3) Any individual who is not lawfully present in the United States, or whose removal has been ordered under chapter 4 of title II of the Immigration and Nationality Act (8 U.S.C. 1221 et seq.), and who opens or maintains an account at a covered institution through a legal entity, or who directs another person to do so on the behalf of the individual, shall be fined not more than $1,000,000, imprisoned for not more than 1 year, or both. ``(4) Notwithstanding subsections (a) and (b), no person shall be subject to criminal penalties under this section solely for a violation of section 5318(r). ``(5) Nothing in this subsection shall be construed to limit criminal liability for any criminal violation of Federal law arising independently of a violation of section 5318(r).''. <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\": \"Weryfikacja obywatelstwa i statusu prawnego przy zakładaniu kont bankowych\",\n  \"pl_summary\": \"Nowe przepisy nakładają na banki i unie kredytowe obowiązek sprawdzania, czy klienci przebywają w USA legalnie przed otwarciem lub utrzymaniem ich kont. Osoby bez udokumentowanego statusu prawnego mogą stracić dostęp do usług bankowych i narazić się na wysokie kary finansowe.\",\n  \"pl_key_points\": [\n    \"Wymóg okazania dokumentu potwierdzającego obywatelstwo lub legalny pobyt (np. paszport, REAL ID, zielona karta) przy otwieraniu konta.\",\n    \"Osoby z czasowym pozwoleniem na pobyt muszą zgłaszać bankowi datę wygaśnięcia swojej wizy.\",\n    \"Konta osób, których pozwolenie na pobyt wygasło, zostaną zamrożone po 30 dniach, a następnie zamknięte, jeśli nie przedstawią nowych dokumentów.\",\n    \"Wprowadzenie kar do 1 miliona dolarów i do roku więzienia dla osób nieprzebywających legalnie w USA za posiadanie aktywnego konta bankowego.\"\n  ],\n  \"eng_ai_title\": \"Know Your American Customer Act: Citizenship Verification for Bank Accounts\",\n  \"eng_summary\": \"This bill requires banks and credit unions to verify the legal status of customers before opening or maintaining their accounts. Individuals without lawful presence in the U.S. face account closures and potential criminal penalties.\",\n  \"eng_key_points\": [\n    \"Mandatory proof of U.S. citizenship or legal residency (e.g., passport, REAL ID, Green Card) to open a bank account.\",\n    \"Temporary residents must certify the expiration date of their authorized stay to the financial institution.\",\n    \"Accounts of individuals with expired stay will be frozen after 30 days and closed after 90 days if no updated status is provided.\",\n    \"Criminal penalties including fines up to $1 million and imprisonment for unauthorized individuals maintaining active bank accounts.\"\n  ],\n  \"de_ai_title\": \"Gesetz zur Überprüfung der Staatsbürgerschaft bei der Eröffnung von Bankkonten\",\n  \"de_summary\": \"Dieses Gesetz verpflichtet Banken, den legalen Aufenthaltsstatus von Kunden zu prüfen, bevor sie Konten eröffnen oder weiterführen. Personen ohne rechtmäßigen Aufenthalt in den USA drohen Kontosperrungen und strafrechtliche Konsequenzen.\",\n  \"de_key_points\": [\n    \"Pflicht zur Vorlage von Dokumenten wie Reisepass oder REAL ID zur Bestätigung der Staatsbürgerschaft oder des legalen Aufenthalts.\",\n    \"Personen mit befristetem Aufenthalt müssen der Bank das Ablaufdatum ihrer Genehmigung mitteilen.\",\n    \"Konten werden nach Ablauf der Aufenthaltsgenehmigung zunächst eingeschränkt und schließlich geschlossen, falls kein neuer Nachweis erbracht wird.\",\n    \"Geldstrafen von bis zu 1 Million Dollar für Personen ohne legalen Status, die ein aktives Bankkonto führen.\"\n  ],\n  \"fr_ai_title\": \"Loi sur la vérification de la citoyenneté pour l'accès aux comptes bancaires\",\n  \"fr_summary\": \"Cette loi oblige les banques à vérifier le statut légal des clients avant d'ouvrir ou de maintenir un compte. Les personnes sans présence légale aux États-Unis risquent la fermeture de leurs comptes et des sanctions pénales.\",\n  \"fr_key_points\": [\n    \"Présentation obligatoire d'une preuve de citoyenneté ou de résidence légale (ex: passeport, carte verte) pour toute ouverture de compte.\",\n    \"Les résidents temporaires doivent déclarer la date d'expiration de leur séjour autorisé à leur banque.\",\n    \"Gel des comptes 30 jours après l'expiration du séjour, suivi d'une fermeture définitive si aucun nouveau document n'est fourni.\",\n    \"Amendes criminelles pouvant atteindre 1 million de dollars pour les personnes non autorisées utilisant un compte bancaire actif.\"\n  ],\n  \"es_ai_title\": \"Ley de verificación de ciudadanía para la apertura de cuentas bancarias\",\n  \"es_summary\": \"Esta ley exige que los bancos verifiquen el estatus legal de los clientes antes de abrir o mantener cuentas. Las personas sin presencia legal en EE. UU. podrían enfrentar el cierre de sus cuentas y sanciones penales.\",\n  \"es_key_points\": [\n    \"Requisito de presentar documentos como pasaporte o REAL ID para demostrar la ciudadanía o estancia legal al abrir una cuenta.\",\n    \"Los residentes temporales deben certificar ante el banco la fecha de vencimiento de su permiso de estancia.\",\n    \"Las cuentas de personas con permisos vencidos serán restringidas tras 30 días y cerradas definitivamente si no se actualiza la documentación.\",\n    \"Multas de hasta 1 millón de dólares y penas de prisión para personas sin estatus legal que mantengan cuentas activas.\"\n  ],\n  \"it_ai_title\": \"Legge sulla verifica della cittadinanza per i conti correnti bancari\",\n  \"it_summary\": \"La legge impone alle banche di verificare lo stato legale dei clienti prima di aprire o mantenere un conto. Chi non risiede legalmente negli Stati Uniti rischia la chiusura del conto e pesanti sanzioni penali.\",\n  \"it_key_points\": [\n    \"Obbligo di presentare prove di cittadinanza o residenza legale (es. passaporto o Green Card) per l'apertura di nuovi conti.\",\n    \"I residenti temporanei devono comunicare alla banca la data di scadenza del loro permesso di soggiorno.\",\n    \"Blocco delle transazioni in uscita 30 giorni dopo la scadenza del permesso, con successiva chiusura del conto in mancanza di rinnovo.\",\n    \"Sanzioni penali fino a 1 milione di dollari per chi mantiene un conto attivo senza avere un titolo di soggiorno valido.\"\n  ],\n  \"nl_ai_title\": \"Wet op de verificatie van burgerschap bij bankrekeningen\",\n  \"nl_summary\": \"Banken moeten voortaan de legale status van klanten controleren voordat zij een rekening openen of aanhouden. Personen zonder wettig verblijf in de VS riskeren dat hun rekening wordt gesloten en kunnen strafrechtelijk worden vervolgd.\",\n  \"nl_key_points\": [\n    \"Verplichte identificatie met documenten zoals een paspoort of REAL ID om burgerschap of legaal verblijf aan te tonen.\",\n    \"Tijdelijke bewoners moeten de vervaldatum van hun verblijfsvergunning aan de bank doorgeven.\",\n    \"Rekeningen worden bevroren en uiteindelijk gesloten als er na het verlopen van het verblijf geen nieuwe documenten worden getoond.\",\n    \"Boetes tot 1 miljoen dollar voor onbevoegden die een actieve bankrekening aanhouden.\"\n  ],\n  \"pt_ai_title\": \"Lei de verificação de cidadania para abertura de contas bancárias\",\n  \"pt_summary\": \"Esta lei exige que os bancos verifiquem o estatuto legal dos clientes antes de abrirem ou manterem contas. Pessoas sem presença legal nos EUA enfrentam o encerramento de contas e possíveis sanções criminais.\",\n  \"pt_key_points\": [\n    \"Exigência de documentos como passaporte ou Green Card para comprovar cidadania ou residência legal ao abrir uma conta.\",\n    \"Residentes temporários devem informar ao banco a data de validade da sua autorização de permanência.\",\n    \"Contas de pessoas com visto expirado serão bloqueadas após 30 dias e encerradas se não houver atualização de documentos.\",\n    \"Multas criminais de até 1 milhão de dólares para indivíduos sem estatuto legal que mantenham contas bancárias ativas.\"\n  ],\n  \"category\": [\"Migration\", \"Economy\", \"Courts and Law\"]\n}"
    }
  ]
}