<prompt> Human: Earlier this year I posted in this subreddit about the American Savings Promotion Act S. 1597H.R. 3374 and read the hundred of comments offering both support and criticism of the legislation. Since then, the bill has passed both chambers of Congress with unanimous support and is now headed to President Obamas desk to be signed into law. I hope that this policy will serve as a small but important step in helping people improve their personal finance habits and yield more financial security and upward mobility.tl;dr new policy will remove federal barriers to certain savings products, clearing the way for U.S. states to enable financial institutions under their jurisdiction to offer prize-linked savings products.  <response>: Congratulations! Any chance you could give a tl;dr giving the highlights of the bill?like soAmerican Savings Promotion Act - Amends the Revised Statutes of the United States, the Federal Reserve Act, the Federal Deposit Insurance Act, and the Home Owners Loan Act to authorize covered financial institutions to conduct a contest, known as a savings promotion raffle, in which the sole consideration required for a chance of winning designated prizes is obtained by the deposit of a specified amount of money in a savings account or program, where each ticket or entry has an equal chance of being drawn. Subjects such a drawing contest to regulations promulgated by the appropriate prudential regulator.Excludes such a savings promotion raffle from the prohibition against a covered financial institutions dealing in lottery tickets.Amends the federal criminal code to exempt savings promotion raffles conducted by an insured depository institution or an insured credit union from specified prohibitions against interstate and foreign travel or transportation in aid of racketeering enterprises. 