  We consider a set of physical degrees of freedom coupled to a
finite-dimensional Hilbert space, which may be taken as modeling a fuzzy space
or as the lowest Landau level of a Landau-Hall problem. These may be viewed as
matter fields on a fuzzy space. Sequentially generalizing to arbitrary
backgrounds, we argue that the effective action is given by the Chern-Simons
form associated with the Dirac index density (with gauge and gravitational
fields), with an abelian gauge field shifted by the Poincar\'e-Cartan form for
matter dynamics. The result is an action for matter fields where the Lagrangian
is integrated with a density which is a specific polynomial in the curvatures.
