Banks & lending institutions

An Act to provide for reconciliation pursuant to titles II and V of the concurrent resolution on the budget for fiscal year 2018. (by CRS) Hide

To amend the Higher Education Act of 1965 to require the disclosure of the annual percentage rates applicable to Federal student loans. (by CRS) Hide

To establish requirements for use of a driver's license or personal identification card by certain financial institutions for opening an account or obtaining a financial product or service, and for other purposes. (by CRS) Hide

To amend the Electronic Fund Transfer Act to impose a fee for remittance transfers to certain foreign countries, and for other purposes. (by CRS) Hide

To amend the Federal Election Campaign Act of 1971 to expand the ability of trade associations to solicit contributions from the stockholders and executive or administrative personnel of their member corporations, and for other purposes. (by CRS) Hide

To amend the civil liability requirements under the Fair Credit Reporting Act to include requirements relating to class actions, and for other purposes. (by CRS) Hide

To reauthorize the Commodity Futures Trading Commission, to better protect futures customers, to provide end-users with market certainty, to make basic reforms to ensure transparency and accountability at the Commission, to help farmers, ranchers, and end-users manage risks, to help keep consumer costs low, and for other purposes. (by CRS) Hide

To amend the Gramm-Leach-Bliley Act to update the exception for certain annual notices provided by financial institutions. (by CRS) Hide

To amend chapter 8 of title 5, United States Code, to provide that major rules of the executive branch shall have no force or effect unless a joint resolution of approval is enacted into law. (by CRS) Hide

To amend the Revised Statutes, the Home Owners' Loan Act, the Federal Credit Union Act, and the Federal Deposit Insurance Act to require the rate of interest on certain loans remain unchanged after transfer of the loan, and for other purposes. (by CRS) Hide

To provide for programs to help reduce the risk that prisoners will recidivate upon release from prison, and for other purposes. (by CRS) Hide

To amend the Securities Exchange Act of 1934 to establish standards of conduct for brokers and dealers that are in the best interest of their retail customers. (by CRS) Hide

To amend the Economic Growth and Regulatory Paperwork Reduction Act of 1996 to ensure that Federal financial regulators perform a comprehensive review of regulations to identify outdated or otherwise unnecessary regulatory requirements imposed on covered persons, and for other purposes. (by CRS) Hide

To amend the Small Business Act to strengthen the Office of Credit Risk Management within the Small Business Administration, and for other purposes. (by CRS) Hide

To amend the Consumer Financial Protection Act of 2010 to make the Bureau of Consumer Financial Protection an independent Financial Product Safety Commission, and for other purposes. (by CRS) Hide

To amend the Securities Exchange Act of 1934 to prohibit mandatory pre-dispute arbitration agreements, and for other purposes. (by CRS) Hide

To update dollar amount thresholds for certain currency transaction reports and suspicious activity reports, to improve the sharing of suspicious activity reports within a financial group, and for other purposes. (by CRS) Hide

To amend the Federal Financial Institutions Examination Council Act of 1978 to establish a three-judge independent examination review panel. (by CRS) Hide

Providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements". (by CRS) Hide

An original bill to provide for reconciliation pursuant to title II of the concurrent resolution on the budget for fiscal year 2018. (by CRS) Hide

A bill to amend the Revised Statutes, the Home Owners' Loan Act, the Federal Credit Union Act, and the Federal Deposit Insurance Act to require the rate of interest on certain loans remain unchanged after transfer of the loan, and for other purposes. (by CRS) Hide

A bill to amend chapter 8 of title 5, United States Code, to provide that major rules of the executive branch shall have no force or effect unless a joint resolution of approval is enacted into law. (by CRS) Hide

A bill to promote economic growth, provide tailored regulatory relief, and enhance consumer protections, and for other purposes. (by CRS) Hide

A bill to amend the Federal Financial Institutions Examination Council Act of 1978 to improve the examination of depository institutions, and for other purposes. (by CRS) Hide

A bill to amend the Internal Revenue Code of 1986 to permanently extend the new markets tax credit, and for other purposes. (by CRS) Hide

A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by Bureau of Consumer Financial Protection relating to "Arbitration Agreements". (by CRS) Hide

To amend the Consumer Financial Protection Act of 2010 to make the Bureau of Consumer Financial Protection an independent Financial Product Safety Commission, and for other purposes. (by CRS) Hide

To improve cybersecurity in the United States through enhanced sharing of information about cybersecurity threats, to amend the Homeland Security Act of 2002 to enhance multi-directional sharing of information related to cybersecurity risks and strengthen privacy and civil liberties protections, and for other purposes. (by CRS) Hide

To amend the Homeland Security Act of 2002 to enhance multi-directional sharing of information related to cybersecurity risks and strengthen privacy and civil liberties protections, and for other purposes. (by CRS) Hide

An act to authorize appropriations for fiscal year 2016 for military activities of the Department of Defense, for military construction, and for defense activities of the Department of Energy, to prescribe military personnel strengths for such fiscal year, and for other purposes. (by CRS) Hide

An act to authorize funds for Federal-aid highways, highway safety programs, and transit programs, and for other purposes. (by CRS) Hide

To provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. (by CRS) Hide

Making appropriations for the Departments of Transportation, and Housing and Urban Development, and related agencies for the fiscal year ending September 30, 2016, and for other purposes. (by CRS) Hide

To direct the Attorney General to provide State officials with access to criminal history information with respect to certain financial service providers required to undergo State criminal background checks, and for other purposes. (by CRS) Hide

To provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. (by CRS) Hide

To provide housing opportunities in the United States through modernization of various housing programs, and for other purposes. (by CRS) Hide

To amend title 31, United States Code, to ensure that persons who form corporations or limited liability companies in the United States disclose the beneficial owners of those corporations or limited liability companies, in order to prevent wrongdoers from exploiting United States corporations and limited liability companies for criminal gain, to assist law enforcement in detecting, preventing, and punishing terrorism, money laundering, and other misconduct involving United States corporations and limited liability companies, and for other purposes. (by CRS) Hide

To amend the Federal Reserve Act to adjust the circumstances under which Federal reserve bank stock is callable, and for other purposes. (by CRS) Hide

To repeal section 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions, and for other purposes. (by CRS) Hide

Making appropriations for financial services and general government for the fiscal year ending September 30, 2017, and for other purposes. (by CRS) Hide

To amend the Higher Education Act of 1965 to require the disclosure of the annual percentage rates applicable to Federal student loans. (by CRS) Hide

To establish requirements for use of a driver's license or personal identification card by certain financial institutions for opening an account or obtaining a financial product or service, and for other purposes. (by CRS) Hide

To amend the Internal Revenue Code of 1986 to make permanent the reduced recognition period for built-in gains of S corporations. (by CRS) Hide

To amend the Internal Revenue Code of 1986 to make permanent certain rules regarding basis adjustments to stock of S corporations making charitable contributions of property. (by CRS) Hide

To amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to specify when bank holding companies may be subject to certain enhanced supervision, and for other purposes. (by CRS) Hide

A bill to provide for a temporary safe harbor from the enforcement of integrated disclosure requirements for mortgage loan transactions under the Real Estate Settlement Procedures Act of 1974 and the Truth in Lending Act, and for other purposes. (by CRS) Hide

A bill to extend temporarily the extended period of protection for members of uniformed services relating to mortgages, mortgage foreclosure, and eviction, and for other purposes. (by CRS) Hide

A bill to ensure that persons who form corporations in the United States disclose the beneficial owners of those corporations, in order to prevent the formation of corporations with hidden owners, stop the misuse of United States corporations by wrongdoers, and assist law enforcement in detecting, preventing, and punishing terrorism, money laundering, tax evasion, and other criminal and civil misconduct involving United States corporations, and for other purposes. (by CRS) Hide

A bill to amend the Small Business Act to strengthen the Office of Credit Risk Management of the Small Business Administration, and for other purposes. (by CRS) Hide

A bill to provide housing opportunities in the United States through modernization of various housing programs, and for other purposes. (by CRS) Hide

A bill to amend the Internal Revenue Code of 1986 to permanently extend the new markets tax credit, and for other purposes. (by CRS) Hide

To improve cybersecurity in the United States through enhanced sharing of information about cybersecurity threats, and for other purposes. (by CRS) Hide

A bill to extend the low-interest refinancing provisions under the Local Development Business Loan Program of the Small Business Administration. (by CRS) Hide

To amend chapter 35 of title 44, United States Code, to revise requirements relating to Federal information security, and for other purposes. (by CRS) Hide

To extend the low-interest refinancing provisions under the Local Development Business Loan Program of the Small Business Administration. (by CRS) Hide

To provide for the reform and continuation of agricultural and other programs of the Department of Agriculture through fiscal year 2018, and for other purposes. (by CRS) Hide

To amend title XVIII of the Social Security Act to ensure more timely access to home health services for Medicare beneficiaries under the Medicare program. (by CRS) Hide

To amend title 35, United States Code, and the Leahy-Smith America Invents Act to make improvements and technical corrections, and for other purposes. (by CRS) Hide

To amend the Homeland Security Act of 2002 to make certain improvements regarding cybersecurity and critical infrastructure protection, and for other purposes. (by CRS) Hide

To establish congressional trade negotiating objectives and enhanced consultation requirements for trade negotiations, to provide for consideration of trade agreements, and for other purposes. (by CRS) Hide

To amend the Internal Revenue Code of 1986 to make permanent the reduced recognition period for built-in gains of S corporations. (by CRS) Hide

To clarify the application of certain leverage and risk-based requirements under the Dodd-Frank Wall Street Reform and Consumer Protection Act, to improve upon the definitions provided for points and fees in connection with a mortgage transaction, and for other purposes. (by CRS) Hide

To provide for the sharing of certain cyber threat intelligence and cyber threat information between the intelligence community and cybersecurity entities, and for other purposes. (by CRS) Hide

To amend the High-Performance Computing Act of 1991 to authorize activities for support of networking and information technology research, and for other purposes. (by CRS) Hide

To amend provisions in section 716 of the Dodd-Frank Wall Street Reform and Consumer Protection Act relating to Federal assistance for swaps entities. (by CRS) Hide

A bill to amend title XVIII of the Social Security Act to ensure more timely access to home health services for Medicare beneficiaries under the Medicare program. (by CRS) Hide

A bill to provide for an ongoing, voluntary public-private partnership to improve cybersecurity, and to strengthen cybersecurity research and development, workforce development and education, and public awareness and preparedness, and for other purposes. (by CRS) Hide

A bill to establish congressional trade negotiating objectives and enhanced consultation requirements for trade negotiations, to provide for consideration of trade agreements, and for other purposes. (by CRS) Hide

An original bill to improve cybersecurity in the United States through enhanced sharing of information about cybersecurity threats, and for other purposes. (by CRS) Hide

A bill to extend the low-interest refinancing provisions under the Local Development Business Loan Program of the Small Business Administration. (by CRS) Hide

A bill to amend the Immigration and Nationality Act to eliminate discrimination in the immigration laws by permitting permanent partners of United States citizens and lawful permanent residents to obtain lawful permanent resident status in the same manner as spouses of citizens and lawful permanent residents and to penalize immigration fraud in connection with permanent partnerships. (by CRS) Hide

To amend the Dodd-Frank Wall Street Reform and Consumer Protection Act to strengthen the review authority of the Financial Stability Oversight Council of regulations issued by the Bureau of Consumer Financial Protection, to rescind the unobligated funding for the FHA Refinance Program and to terminate the program, and for other purposes. (by CRS) Hide

To postpone the date for the transfer of functions to the Bureau of Consumer Financial Protection if the Bureau does not yet have a Director in place. (by CRS) Hide

To enhance the ability of community banks to foster economic growth and serve their communities, boost small businesses, increase individual savings, and for other purposes. (by CRS) Hide

To exempt inter-affiliate swaps from certain regulatory requirements put in place by the Dodd-Frank Wall Street Reform and Consumer Protection Act. (by CRS) Hide

To amend the Communications Act of 1934 to permit informational calls to mobile telephone numbers, and for other purposes. (by CRS) Hide

To amend the Sarbanes-Oxley Act of 2002 to provide additional exemptions from the internal control auditing requirements for smaller and newer public companies. (by CRS) Hide

To promote prosperity, creativity, entrepreneurship, and innovation by combating the theft of U.S. property, and for other purposes. (by CRS) Hide

To provide for the sharing of certain cyber threat intelligence and cyber threat information between the intelligence community and cybersecurity entities, and for other purposes. (by CRS) Hide

To increase American job creation and economic growth by improving access to the public capital markets for emerging growth companies. (by CRS) Hide

To amend the High-Performance Computing Act of 1991 to authorize activities for support of networking and information technology research, and for other purposes. (by CRS) Hide

To amend chapter 35 of title 44, United States Code, to revise requirements relating to Federal information security, and for other purposes. (by CRS) Hide

To amend the Electronic Fund Transfer Act to limit the fee disclosure requirement for an automatic teller machine to the screen of that machine. (by CRS) Hide

To provide for the development of a plan to increase oil and gas exploration, development, and production under oil and gas leases of Federal lands under the jurisdiction of the Secretary of Agriculture, the Secretary of Energy, the Secretary of the Interior, and the Secretary of Defense in response to a drawdown of petroleum reserves from the Strategic Petroleum Reserve. (by CRS) Hide

To establish standards for covered bond programs and a covered bond regulatory oversight program, and for other purposes. (by CRS) Hide

To amend the Internal Revenue Code of 1986 to create jobs through increased investment in infrastructure, and for other purposes. (by CRS) Hide

A bill to establish standards for covered bond programs and a covered bond regulatory oversight program, and for other purposes. (by CRS) Hide

A bill to replace the Director of the Bureau of Consumer Financial Protection with a 5-person Commission, to bring the Bureau into the regular appropriations process, and for other purposes. (by CRS) Hide

Computation of debt will not include debt incurred by a person's home and bankruptcy (Ch. 13) will be avoided if payment to debtors would require the foreclosure of one's home. Loan repayment contracts and mortgages may be subject to cancellation or amendment if payment would require the foreclosure of the debtor's home. Fees and charges to debt files are limited. (by CRS) Hide

To extend the protections of the Truth in Lending Act to overdraft protection programs and services provided by depository institutions, to require customer consent before a depository institution may initiate overdraft protection services and fees, to enhance the information made available to consumers relating to overdraft protection services and fees, to prohibit systematic manipulation in the posting of checks and other debits to a depository account for the purpose of generating overdraft protection fees, and for other purposes. (by CRS) Hide

To amend the executive compensation provisions of the Emergency Economic Stabilization Act of 2008 to prohibit unreasonable and excessive compensation and compensation not based on performance standards. (by CRS) Hide

To amend title 11 of the United States Code with respect to modification of certain mortgages on principal residences, and for other purposes. (by CRS) Hide

To protect consumers by requiring reasonable security policies and procedures to protect data containing personal information, and to provide for nationwide notice in the event of a security breach. (by CRS) Hide

To amend the antitrust laws to ensure competitive market-based rates and terms for merchants' access to electronic payment systems. (by CRS) Hide

To reform the Troubled Assets Relief Program of the Secretary of the Treasury and ensure accountability under such Program. (by CRS) Hide

To amend the Internal Revenue Code of 1986 to prevent the avoidance of tax on income from assets held abroad, and for other purposes. (by CRS) Hide

A bill to promote the financial stability of the United States by improving accountability and transparency in the financial system, to end "too big to fail", to protect the American taxpayer by ending bailouts, to protect consumers from abusive financial services practices, and for other purposes. (by CRS) Hide

To amend title 11 of the United States Code to modify the dischargeability of debts for certain educational payments and loans. (by CRS) Hide

To amend the Internal Revenue Code of 1986 to create jobs through increased investment in infrastructure, to eliminate loopholes which encourage companies to move operations offshore, and for other purposes. (by CRS) Hide

To promote bank liquidity and lending through deposit insurance, the HOPE for Homeowners Program, and other enhancements. (by CRS) Hide

A bill to amend the Credit Card Accountability Responsibility and Disclosure Act of 2009 to establish an earlier effective date for various consumer protections, and for other purposes. (by CRS) Hide

A bill to amend the Internal Revenue Code of 1986 to prevent the avoidance of tax on income from assets held abroad, and for other purposes. (by CRS) Hide

A bill to amend title 11, United States Code, to disallow certain claims resulting from high cost credit debts, and for other purposes. (by CRS) Hide

An original bill to promote the financial stability of the United States by improving accountability and transparency in the financial system, to end "too big to fail", to protect the American taxpayer by ending bailouts, to protect consumers from abusive financial services practices, and for other purposes. (by CRS) Hide

A bill to amend the Consumer Credit Protection Act, to ban abusive credit practices, enhance consumer disclosures, protect underage consumers, and for other purposes. (by CRS) Hide

To treat arbitration clauses which are unilaterally imposed on consumers as an unfair and deceptive trade practice and prohibit their use in consumer transactions, and for other purposes. (by CRS) Hide

To modernize credit union net worth standards, advance credit union efforts to promote economic growth, and modify credit union regulatory standards and reduce burdens, and for other purposes. (by CRS) Hide

To enhance the ability of community banks to foster economic growth and serve their communities, boost small businesses, increase individual savings, and for other purposes. (by CRS) Hide

To amend title 38, United States Code, to improve veterans' reemployment rights under chapter 43 of such title, to exempt claims brought under that chapter from arbitration under chapter 1 of title 9 of such Code, and for other purposes. (by CRS) Hide

To amend title 11 of the United States Code with respect to modification of certain mortgages on principal residences, and for other purposes. (by CRS) Hide

To amend the Truth in Lending Act to reform consumer mortgage practices and provide accountability for such practices, to establish licensing and registration requirements for residential mortgage originators, to provide certain minimum standards for consumer mortgage loans, and for other purposes. (by CRS) Hide

To amend the Truth in Lending Act to establish fair and transparent practices relating to the extension of credit under an open end consumer credit plan, and for other purposes. (by CRS) Hide

This bill seeks to reduce the number of home foreclosures by offering assistance to any at-risk borrower wishing to refinance. The program would also give "short payments" to lenders choosing to participate. (by CRS) Hide

To amend the Internal Revenue Code of 1986 to provide incentives for energy production and conservation, to extend certain expiring provisions, to provide individual income tax relief, and for other purposes. (by CRS) Hide

To amend the Federal Deposit Insurance Act to establish industrial bank holding company regulation, and for other purposes. (by CRS) Hide

To extend the protections of the Truth in Lending Act to overdraft protection programs and services provided by depository institutions, to require customer consent before a depository institution may initiate overdraft protection services and fees, to enhance the information made available to consumers relating to overdraft protection services and fees, to prohibit systematic manipulation in the posting of checks and other debits to a depository account for the purpose of generating overdraft protection fees, and for other purposes. (by CRS) Hide

To protect users of the Internet from unknowing transmission of their personally identifiable information through spyware programs, and for other purposes. (by CRS) Hide

A bill to amend the Federal Deposit Insurance Act to establish industrial bank holding company regulation, and for other purposes. (by CRS) Hide

An original bill to provide for reconciliation pursuant to section 602 of the concurrent resolution on the budget for fiscal year 2008 (S. Con. Res. 21). (by CRS) Hide

A bill to authorize bankruptcy courts to take certain actions with respect to mortgage loans in bankruptcy, and for other purposes. (by CRS) Hide

A bill to amend title 9, United States Code, to provide for greater fairness in the arbitration process relating to livestock and poultry contracts. (by CRS) Hide

A bill to amend the Truth in Lending Act to provide protection to consumers with respect to certain high-cost loans, and for other purposes. (by CRS) Hide

A bill to amend the Consumer Credit Protection Act, to ban abusive credit practices, enhance consumer disclosures, protect underage consumers, and for other purposes. (by CRS) Hide

To modernize and update the National Housing Act and enable the Federal Housing Administration to use risk-based pricing to more effectively reach underserved borrowers, and for other purposes. (by CRS) Hide