Banking And Financial Institutions Regulation
US Congress 114th Congress
Equal Access to Banking Act [HB-5511]
[Finance ]
[Community Development ]
[Small Business ]
[Poverty ]
Equal Access to Banking Act This bill requires the Federal Deposit Insurance Corporation (FDIC) to issue regulations: (1) easing the restrictive impact of regulations issued pursuant to the Federal Deposit Insurance Act relating to the factors to be considered for deposit insurance on non-profit community development financial institution banks, and (2) easing restrictions on the operation of such banks insured by the FDIC. The FDIC shall ensure that such regulations issued under this bill: (1) will not provide an opportunity for individuals or
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Sponsored by: Rep. John Delaney
Introduced In House on 06/16/2016
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We the People Act of 2016 [HB-5494]
[Elections ]
[Ethics ]
[Finance ]
[Law Enforcement ]
[Voting Rights ]
[Crime ]
We the People Act of 2016 Democracy Is Supported by Casting Light On Spending in Elections Act of 2016 or the DISCLOSE Act of 2016 This bill amends the Federal Election Campaign Act of 1971 (FECA) to: redefine "independent expenditure" to expand the meaning of express advocacy for the election or defeat of a candidate; expand the period for treating communications as electioneering communications; repeal the prohibition against contributions by minors; prescribe disclosure requirements for campaign-related disbursements by corporations, labor organizations,
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Sponsored by: Rep. David Price
Introduced In House on 06/16/2016
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US Congress 114th Congress
Financial Services and General Government Appropriations Act, 2017 [HB-5485]
[Finance ]
[Taxes ]
[Budget and Spending ]
[Small Business ]
[Consumer Protection ]
[Education ]
[Cybersecurity ]
[Data Privacy ]
[Elections ]
[Funding ]
[Grants ]
[Law Enforcement ]
[National Security ]
[Technology and Innovation ]
[Telecommunications ]
[Reproductive Rights / Abortion ]
[Veterans ]
[Immigration ]
[Crime ]
Financial Services and General Government Appropriations Act, 2017 Provides FY2017 appropriations for financial services and general government, including programs within the Department of the Treasury, the Executive Office of the President, the federal judiciary, the District of Columbia, and several independent agencies. Department of the Treasury Appropriations Act, 2017 TITLE I--DEPARTMENT OF THE TREASURY Provides appropriations to the Department of the Treasury for Departmental Offices, including: Salaries and Expenses, the Office of Terrorism
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Sponsored by: Rep. Ander Crenshaw
Received In The Senate. Read Twice. Placed On Senate Legislative Calendar Under General Orders. Calendar No. 557. on 07/12/2016
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To repeal section 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions, and for other purposes. [HB-5465]
[Consumer Protection ]
[Finance ]
To repeal section 1075 of the Consumer Financial Protection Act of 2010 relating to rules for payment card transactions, and for other purposes. This bill: (1) repeals provisions of the Consumer Financial Protection Act of 2010 that amended the Electronic Fund Transfer Act to authorize the Consumer Financial Protection Bureau to prescribe regulations governing interchange transaction fees for electronic debit transactions, and (2) restores the law amended by such provisions as if they had not been enacted.
Sponsored by: Rep. Raul Labrador
Introduced In House on 06/14/2016
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Protecting Consumer Financial Information Act [HB-5455]
[Consumer Protection ]
[Finance ]
[Insurance ]
[Data Privacy ]
Protecting Consumer Financial Information Act This bill amends the Consumer Financial Protection Act of 2010 to limit the authority of the Consumer Financial Protection Bureau (CFPB), in conducting any required monitoring or assessment, to gather information from time to time regarding the organization, business conduct, markets, and activities of covered persons and service providers. The CFPB may gather information only on a sampling basis. The bill repeals CFPB authority to gather and compile information from examination reports concerning covered
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Sponsored by: Rep. Barry Loudermilk
Introduced In House on 06/10/2016
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Bureau Advisory Opinion Act of 2016 [HB-5453]
[Consumer Protection ]
[Finance ]
[Law Enforcement ]
Bureau Advisory Opinion Act of 2016 This bill amends the Consumer Financial Protection Act of 2010 to require the Consumer Financial Protection Bureau (CFPB) to establish a procedure and promulgate rules to provide written opinions in response to inquiries concerning conformance of specific proposed or prospective conduct by a covered person with federal consumer financial law. A "covered person" under the Act is: (1) any person that engages in offering or providing a consumer financial product or service, and (2) any affiliate of that person if
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Sponsored by: Rep. Denny Heck
Introduced In House on 06/10/2016
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National Securities Exchange Regulatory Parity Act of 2016 [HB-5421]
[Finance ]
[Technology and Innovation ]
[Consumer Protection ]
National Securities Exchange Regulatory Parity Act of 2016 (Sec. 2) This bill amends the Securities Act of 1933, regarding the exemption of certain securities from state regulation, to replace limitations based upon listing on specific stock exchanges with a general exemption from state regulation of any securities listed on a national exchange whose listing standards are approved by the Securities and Exchange Commission (SEC), consistent with SEC rules that establish minimum core quantitative listing standards.
Sponsored by: Rep. Edward Royce
Received In The Senate And Read Twice And Referred To The Committee On Banking, Housing, And Urban Affairs. on 07/13/2016
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Credit Union Examination Reform Act of 2016 [HB-5419]
[Finance ]
[Budget and Spending ]
[Small Business ]
[Insurance ]
Credit Union Examination Reform Act of 2016 This bill amends the Federal Credit Union Act to permit an examination to be carried out only once every 18 months of a federal credit union or an insured credit union that: has total assets of less than $1 billion; is well capitalized (or adequately capitalized, in the case of an insured credit union); was found in its most recent examination to be well managed, with a composite rating (under the Uniform Financial Institutions Rating System) of 1, in the case of a credit union that has total assets of
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Sponsored by: Rep. Frank Guinta
Introduced In House on 06/09/2016
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U.S. Territories Investor Protection Act of 2016 [HB-5322]
[Finance ]
[Investments ]
[Consumer Protection ]
U.S. Territories Investor Protection Act of 2016 This bill amends the Investment Company Act of 1940 to repeal the exemption from its coverage of investment companies created under the laws of Puerto Rico, the Virgin Islands, or any other U.S. possession.
Sponsored by: Rep. Jose Serrano
Received In The Senate And Read Twice And Referred To The Committee On Banking, Housing, And Urban Affairs. on 07/12/2016
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US Congress 114th Congress
Seller Finance Enhancement Act [HB-5301]
[Finance ]
[Real Estate ]
[Housing ]
[Consumer Protection ]
[Small Business ]
[Insurance ]
[Property Tax ]
Seller Finance Enhancement Act This bill amends the S.A.F.E. Mortgage Licensing Act of 2008 to exempt from certain licensing and registration requirements any person (other than a depository institution) who: (1) originates not more than 24 residential mortgage loans in a 12-month period, and (2) only originates residential mortgage loans for property owned by that person. For determining whether a residential mortgage loan meets minimum standards, the Truth in Lending Act is amended to prohibit the application to loans originated by such a person
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Sponsored by: Rep. Bobby Rush
Introduced In House on 05/19/2016
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CFPB Dual Mandate and Economic Analysis Act [HB-5211]
[Finance ]
[Consumer Protection ]
CFPB Dual Mandate and Economic Analysis Act This bill amends the Consumer Financial Protection Act of 2010 to revise the purpose of the Consumer Financial Protection Bureau (CFPB) regarding competition in markets for consumer financial products and services. The CFPB shall implement and, where applicable, enforce federal consumer financial law consistently for the purpose of strengthening private sector participation in markets, without government interference or subsidies, to increase competition and enhance consumer choice. The CFPB shall establish
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Sponsored by: Rep. Steve Stivers
Introduced In House on 05/12/2016
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Overdraft Protection Act of 2016 [HB-5198]
[Consumer Protection ]
[Finance ]
Overdraft Protection Act of 2016 This bill amends the Truth in Lending Act to prohibit a depository institution from engaging in unfair or deceptive acts or practices in connection with overdraft coverage, or in acts designed to evade the provisions of this Act. Each depository institution that offers or provides overdraft coverage for transaction accounts held at the institution shall clearly and conspicuously disclose overdraft coverage fees. It must also disclose that, if a consumer does not opt-in to such overdraft coverage: the consumer's transaction
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Sponsored by: Rep. Janice Schakowsky
Introduced In House on 05/11/2016
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US Congress 114th Congress
Social Impact Partnerships to Pay for Results Act [HB-5170]
[Children and Youth ]
[Family-Related Legislation ]
[Funding ]
[Grants ]
[Human Services ]
[Labor, Jobs, Employment ]
[Poverty ]
[Social Security ]
[Unemployment ]
[Education ]
Social Impact Partnerships to Pay for Results Act (Sec. 2) This bill amends title IV of the Social Security Act (SSAct) to require the Department of the Treasury to publish in the Federal Register a request for proposals from states or local governments for social impact partnership projects which produce one or more measurable, clearly defined outcomes that result in social benefit, such as employment for the unemployed between ages 16 and 24, high school graduation, and reduction of teen and unplanned pregnancies as well as incidences and adverse
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Sponsored by: Rep. James Langevin
Received In The Senate And Read Twice And Referred To The Committee On Finance. on 06/22/2016
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US Congress 114th Congress
Unfair or Deceptive Acts or Practices Uniformity Act [HB-5112]
[Consumer Protection ]
[Finance ]
Unfair or Deceptive Acts or Practices Uniformity Act This bill amends the Consumer Financial Protection Act of 2010 to repeal the authority of the Consumer Financial Protection Bureau (CFPB) to take action to prevent a covered person or service provider from committing or engaging in an abusive act or practice under federal law in connection with any transaction with a consumer for a consumer financial product or service, or the offering of one. Regarding CFPB authority over deceptive acts, the bill prohibits the CFPB from taking any action against
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Sponsored by: Rep. Pete Sessions
Introduced In House on 04/28/2016
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US Congress 114th Congress
Cybersecurity Systems and Risks Reporting Act [HB-5069]
[Cybersecurity ]
[Technology and Innovation ]
[Finance ]
[Data Privacy ]
Cybersecurity Systems and Risks Reporting Act This bill amends the Sarbanes-Oxley Act of 2002 to apply to cybersecurity systems and cybersecurity systems officers the same requirements regarding corporate responsibility for financial reports and managements assessments of internal control structures and procedures for financial reporting as apply to public companies subject to oversight by the Securities and Exchange Commission (SEC). The SEC shall issue rules to define cybersecurity expert and require each issuer of securities to disclose whether
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Sponsored by: Rep. Jim McDermott
Introduced In House on 04/26/2016
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US Congress 114th Congress
SAFE Lending Act of 2016 Stopping Abuse and Fraud in Electronic Lending Act of 2016 [HB-5023]
[Consumer Protection ]
[Finance ]
[Technology and Innovation ]
[Data Privacy ]
[Native American Affairs ]
SAFE Lending Act of 2016 Stopping Abuse and Fraud in Electronic Lending Act of 2016 This bill amends the Electronic Fund Transfer Act (EFTA) to declare that a remotely created check may only be issued by a person specifically designated in writing by the consumer to the insured depository institution at which the consumer maintains the account from which the check is drawn. A remotely created check is a paper or electronic check that: is not created by the financial institution that holds the customer account from which the check is to be paid;
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Sponsored by: Rep. Raul Grijalva
Introduced In House on 04/21/2016
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Home Mortgage Disclosure Adjustment Act [HB-4997]
[Finance ]
[Housing ]
[Real Estate ]
[Consumer Protection ]
[Small Business ]
Home Mortgage Disclosure Adjustment Act This bill amends the Home Mortgage Disclosure Act of 1975 to exempt from maintenance of mortgage loan records and disclosure requirements depository institutions that have originated in each of the two preceding calendar years: fewer than 100 closed-end mortgage loans, and fewer than 200 open-end lines of credit.
Sponsored by: Rep. Tom Emmer
Introduced In House on 04/20/2016
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Homeowner Information Privacy Protection Act [HB-4993]
[Data Privacy ]
[Consumer Protection ]
[Finance ]
[Housing ]
[Real Estate ]
Homeowner Information Privacy Protection Act This bill directs the Government Accountability Office to study whether the data required to be published, made available, or disclosed under the final rule of the Consumer Financial Protection Bureau (CFPB), entitled "Home Mortgage Disclosure (Regulation C)," in connection with other publicly available data sources, could allow for or increase the probability of: exposure of the identity of mortgage applicants or mortgagors through reverse engineering; exposure of mortgage applicants or mortgagors to
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Sponsored by: Rep. Garland Barr
Introduced In House on 04/19/2016
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Small Financial Institution Advisory Committees Act of 2016 [HB-4950]
[Finance ]
[Small Business ]
Small Financial Institution Advisory Committees Act of 2016 This bill establishes within the Department of the Treasury: the Community Bank Advisory Committee to advise Treasury about its efforts regarding legislation and regulation that affect financial institutions, federal departments and agencies that regulate or insure financial institutions, and securities markets, as these efforts relate to community banks; and the Credit Union Advisory Committee to advise Treasury about such efforts as they relate to credit unions.
Sponsored by: Rep. Mike Quigley
Introduced In House on 04/14/2016
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US Congress 114th Congress
To repeal title II of the Dodd-Frank Wall Street Reform and Consumer Protection Act. [HB-4894]
[Finance ]
[Consumer Protection ]
To repeal title II of the Dodd-Frank Wall Street Reform and Consumer Protection Act. (Sec. 1) This bill amends the Dodd-Frank Wall Street Reform and Consumer Protection Act to repeal Title II (Orderly Liquidation Authority), concerning the bankruptcy of financial institutions, and makes conforming amendments to the Federal Deposit Insurance Act and the Federal Reserve Act.
Sponsored by: Rep. Rick Allen
Reported By The Committee On Financial Services. H. Rept. 114-574, Part I. on 05/19/2016