Credit agencies & finance companies

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 civil liability requirements under the Fair Credit Reporting Act to include requirements relating to class actions, 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 reform the process by which Federal agencies analyze and formulate new regulations and guidance documents, to clarify the nature of judicial review of agency interpretations, to ensure complete analysis of potential impacts on small entities of rules, 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 restore the financial solvency and improve the governance of the United States Postal Service in order to ensure the efficient and affordable nationwide delivery of mail, and for other purposes. (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 reform the process by which Federal agencies analyze and formulate new regulations and guidance documents, 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 amend the Internal Revenue Code of 1986 to provide for a right to an administrative appeal relating to adverse determinations of tax-exempt status of certain organizations. (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

To nullify certain guidance of the Bureau of Consumer Financial Protection and to provide requirements for guidance issued by the Bureau with respect to indirect auto lending. (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

Making appropriations for military construction, the Department of Veterans Affairs, and related agencies for the fiscal year ending September 30, 2016, and for other purposes. (by CRS) Hide

To amend the Internal Revenue Code of 1986 to allow Federal law enforcement officers, firefighters, and air traffic controllers to make penalty-free withdrawals from governmental plans after age 50, and for other purposes. (by CRS) Hide

To exclude from consumer credit reports certain medical debt that is less than 180 days delinquent or that has been in collection and has been fully paid or settled, to amend the Fair Debt Collection Practices Act to provide for a timetable for verification of medical debt and to increase the efficiency of credit markets with more perfect information, 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 amend title VII of the Civil Rights Act of 1964 to exclude the application of such title to employment practices that are in compliance with Federal regulations, and State laws, in certain areas. (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 title VII of the Civil Rights Act of 1964 to require the EEOC to approve commencing or intervening in certain litigation, and for other purposes. (by CRS) Hide

To direct the Equal Employment Opportunity Commission to maintain up-to-date information on its website regarding charges and actions brought by the Commission, and for other purposes. (by CRS) Hide

An original bill to improve accountability and transparency in the United States financial regulatory system, protect access to credit for consumers, provide sensible relief to financial institutions, and for other purposes. (by CRS) Hide

An original bill to amend the Agricultural Marketing Act of 1946 to require the Secretary of Agriculture to establish a national voluntary labeling standard for bioengineered foods, and for other purposes. (by CRS) Hide

A bill to nullify certain guidance of the Bureau of Consumer Financial Protection and to provide requirements for guidance issued by the Bureau with respect to indirect auto lending. (by CRS) Hide

A bill to invest in innovation through research and development, and to improve the competitiveness of the United States. (by CRS) Hide

A bill to limit the authority of States to tax certain income of employees for employment duties performed in other States. (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 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 title 18, United States Code, to update the privacy protections for electronic communications information that is stored by third-party service providers in order to protect consumer privacy interests while meeting law enforcement needs, and for other purposes. (by CRS) Hide

To amend the Federal Food, Drug, and Cosmetic Act with respect to the pharmaceutical distribution supply chain, and for other purposes. (by CRS) Hide

To restore the financial solvency of the United States Postal Service and to ensure the efficient and affordable nationwide delivery of mail. (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 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

Making appropriations for the Departments of Commerce and Justice, Science, and Related Agencies for the fiscal year ending September 30, 2015, and for other purposes. (by CRS) Hide

To amend the Consumer Financial Protection Act of 2010 to specify that privilege and confidentiality are maintained when information is shared by certain nondepository covered persons with Federal and State financial regulators, and for other purposes. (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

A bill to limit the authority of States to tax certain income of employees for employment duties performed in other States. (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

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 amend title 28 of the United States Code with respect to proper venue for cases filed by corporations under chapter 11 of title 11 of such Code. (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 amend the Tariff Act of 1930 to address unfair trade practices relating to infringement of copyrights and trademarks by certain Internet sites, 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 provide that no agency may take any significant regulatory action until the unemployment rate is equal to or less than 6.0 percent. (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 authorize the extension of nondiscriminatory treatment (normal trade relations treatment) to products of the Russian Federation and Moldova and to require reports on the compliance of the Russian Federation with its obligations as a member of the World Trade Organization, and for other purposes. (by CRS) Hide

To amend the Internal Revenue Code of 1986 to repeal the imposition of 3 percent withholding on certain payments made to vendors by government entities, to modify the calculation of modified adjusted gross income for purposes of determining eligibility for certain healthcare-related programs, and for other purposes. (by CRS) Hide

A bill to exclude from consumer credit reports medical debt that has been in collection and has been fully paid or settled, and for other purposes. (by CRS) Hide

A bill to limit the authority of States to tax certain income of employees for employment duties performed in other States. (by CRS) Hide

A bill to study the market and appropriate regulatory structure for electronic debit card transactions, and for other purposes. (by CRS) Hide

(By CRS) Arbitration Fairness Act of 2009 - Declares that no predispute arbitration agreement shall be valid or enforceable if it requires arbitration of: (1) an employment, consumer, or franchise dispute, or (2) a dispute arising under any statute intended to protect civil rights. Declares, further, that the validity or enforceability of an agreement to arbitrate shall be determined by a court, under federal law, rather than an arbitrator, irrespective of whether the party resisting arbitration challenges the arbitration agreement specifically or in conjunction with other terms of the contract containing such agreement. Exempts from this Act arbitration provisions in collective bargaining agreements. (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 prevent the inadvertent disclosure of information on a computer through the use of certain "peer-to-peer" file sharing programs without first providing notice and obtaining consent from an owner or authorized user of the computer. (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 Fair Credit Reporting Act to prohibit the use of consumer credit checks against prospective and current employees for the purposes of making adverse employment decisions. (by CRS) Hide

A bill to prevent and mitigate identity theft, to ensure privacy, to provide notice of security breaches, and to enhance criminal penalties, law enforcement assistance, and other protections against security breaches, fraudulent access, and misuse of personally identifiable information. (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

A bill to amend the Federal Election Campaign Act of 1971 to prohibit foreign influence in Federal elections, to prohibit government contractors from making expenditures with respect to such elections, and to establish additional disclosure requirements with respect to spending in such elections, and for other purposes. (by CRS) Hide

A bill 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

A bill to amend the Illegal Immigration Reform and Immigrant Responsibility Act of 1996 to permit States to determine State residency for higher education purposes and to authorize the cancellation of removal and adjustment of status of certain alien students who are long-term United States residents and who entered the United States as children, and for other purposes. (by CRS) Hide

A bill to provide authority for the Federal Government to purchase and insure certain types of troubled assets for the purposes of providing stability to and preventing disruption in the economy and financial system and protecting taxpayers, 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 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 limit the authority of States and localities to tax certain income of employees for employment duties performed in other States and localities. (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

An Act to amend the Internal Revenue Code of 1986 to provide tax relief and protections for military personnel, and for other purposes. (by CRS) Hide

This bill will cut interest rates on subsidized undergraduate student loans from 6.12 percent to a fixed rate of 3.4 percent by 2011. (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

To amend the antitrust laws to ensure competitive market-based rates and terms for merchants' access to electronic payment systems. (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 ensure uniform and accurate credit rating of municipal bonds and provide for a review of the municipal bond insurance industry. (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