Consumer Credit
US Congress 114th Congress
Fair Access to Credit Scores Act of 2016 [HB-5010]
[Consumer Protection ]
[Finance ]
[Data Privacy ]
Fair Access to Credit Scores Act of 2016 This bill amends the Fair Credit Reporting Act to require certain consumer reporting agencies to disclose, upon request and without charge, as part of a consumer's free annual disclosure, a current credit score generated using the scoring methodology most frequently used to generate scores sold to creditors, including information regarding other risk scores or predictors in the consumer's file. Those agencies shall also furnish any other consumer information the Consumer Financial Protection Bureau considers
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Sponsored by: Rep. Raul M. Grijalva
Introduced In House on 04/20/2016
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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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Individual Refund Security Act [HB-4970]
[Taxes ]
[Consumer Protection ]
[Cybersecurity ]
[Data Privacy ]
Individual Refund Security Act This bill amends the Internal Revenue Code to prohibit tax refunds from being issued to prepaid debit cards, unless: (1) the Department of the Treasury has verified the identity of the account holder, and (2) the refund is issued no earlier than 21 days after the date on which the tax return is filed. Treasury must conduct the verification required by this bill in the same manner that is used to verify the identity of account holders suspected of being victims of identity theft.
Sponsored by: Rep. Matt Salmon
Introduced In House on 04/15/2016
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State and Tribal Government Sovereignty Protection Act of 2016 [HB-4737]
[Consumer Protection ]
[Finance ]
[Native American Affairs ]
[Funding ]
State and Tribal Government Sovereignty Protection Act of 2016 This bill establishes a moratorium period during which the Consumer Financial Protection Bureau (CFPB) may not issue or enforce any rule or regulation governing payday loans, vehicle title loans, or other similar loans. The Consumer Financial Protection Act of 2010 is amended to prohibit the CFPB from issuing any final rule or regulation to regulate payday loans, vehicle title loans, or other similar loans, unless it first: (1) consults with appropriate state, tribal, and local officials
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Sponsored by: Rep. Randy Neugebauer
Introduced In House on 03/14/2016
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Stop Online Booking Scams Act of 2016 [HB-4526]
[Consumer Protection ]
[Technology and Innovation ]
[Tourism ]
[Data Privacy ]
Stop Online Booking Scams Act of 2016 This bill amends the Restore Online Shoppers' Confidence Act (ROSCA) to prohibit a third party online hotel reservation seller (an online seller that is not affiliated with the person who owns the hotel or provides the hotel services or accommodations) from charging a consumer's credit card, debit card, bank account, or other financial account for any good or service sold in an Internet transaction, unless the seller discloses all material terms of the transaction. Before the conclusion of the transaction, the
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Sponsored by: Rep. Henry C. Johnson
Referred To The Subcommittee On Commerce, Manufacturing, And Trade. on 02/12/2016
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Article I Consolidated Appropriations Amendments, 2016 [HB-4371]
[Air Quality ]
[Environmental ]
[Finance ]
[Healthcare ]
[Housing ]
[Immigration ]
[Public Lands and National Parks ]
[Taxes ]
[Transportation and Motor Vehicles ]
[Water ]
[Consumer Protection ]
[Funding ]
[Law Enforcement ]
[Public Safety ]
[Retirement ]
Article I Consolidated Appropriations Amendments, 2016 This bill amends the Consolidated Appropriations Act, 2016 to restrict federal agencies from using appropriations for certain activities. The bill includes restrictions that affect policy and regulations in areas, including: tobacco products, greenhouse gas emissions, fisheries, exports to Cuba, endangered species, water and air quality, hydraulic fracturing, limits on truck size, housing discrimination, fiduciary standards for providing investment advice for pension and retirement plans, determinations
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Sponsored by: Rep. Alexander Mooney
Referred To The Subcommittee On Water, Power And Oceans. on 01/19/2016
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National Guard and Reservist Debt Relief Extension Act of 2015 [HB-4246]
[Military ]
[Veterans ]
National Guard and Reservist Debt Relief Extension Act of 2015 (Sec. 2) This bill amends the National Guard and Reservists Debt Relief Act of 2008 to exempt for an additional four-year period qualifying Armed Forces reserve component and National Guard members (who, after September 11, 2001, are called to active duty or to perform a homeland defense activity for at least 90 days, and remain eligible for an exemption during the 540-day period following such active duty or homeland defense activity service) from the application of the means-test presumption
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Sponsored by: Rep. Steve Cohen
Message On Senate Action Sent To The House. on 12/18/2015
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Credit Score Competition Act of 2015 [HB-4211]
[Finance ]
[Housing ]
[Consumer Protection ]
Credit Score Competition Act of 2015 This bill amends the Federal National Mortgage Association Charter Act to authorize the Federal National Mortgage Association (Fannie Mae) and the Federal Home Loan Mortgage Corporation (Freddie Mac) (government sponsored enterprises, or GSEs) to use credit scores in purchasing residential mortgages only under certain conditions, including that the GSE has established and made publicly available a description of the process it will use to validate and approve credit scoring models. The Director of the Federal
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Sponsored by: Rep. Gregory W. Meeks
Hearings Held By The Subcommittee On Financial Institutions And Consumer Credit Prior To Referral. on 09/27/2016
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Secure and Protect Americans' Data Act [HB-4187]
[Consumer Protection ]
[Cybersecurity ]
[Data Privacy ]
[Technology and Innovation ]
[Telecommunications ]
[Law Enforcement ]
[Public Safety ]
Secure and Protect Americans' Data Act This bill requires the Federal Trade Commission (FTC) to promulgate regulations requiring entities regulated by the FTC, common carriers, and nonprofit organizations to establish information security practices for the treatment and protection of personal information. At least annually, such entities must evaluate their consumer privacy programs to make any appropriate adjustments for changing technologies, threats or vulnerabilities, or business arrangements. The bill sets forth special procedures for information
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Sponsored by: Rep. Janice D. Schakowsky
Referred To The Subcommittee On Commerce, Manufacturing, And Trade. on 12/11/2015
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Stop Foreign Donations Affecting Our Elections Act [HB-4177]
[Elections ]
[Voting Rights ]
[Cybersecurity ]
Stop Foreign Donations Affecting Our Elections Act This bill amends the Federal Election Campaign Act of 1971 to prohibit political committees from accepting any Internet credit card contribution unless: the individual or entity making the contribution is required, at the time of the contribution, to disclose the credit card's verification value; and the billing address associated with the card is located in the United States or, if the contribution comes from an individual U.S. citizen living outside of the United States, the individual gives the
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Sponsored by: Rep. Barbara Comstock
Introduced In House on 12/03/2015
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Credit Access and Inclusion Act of 2015 [HB-4172]
[Housing ]
[Telecommunications ]
[Consumer Protection ]
[Energy ]
[Data Privacy ]
Credit Access and Inclusion Act of 2015 This bill amends the Fair Credit Reporting Act to authorize a person or the Department of Housing and Urban Development (HUD) to furnish to a consumer reporting agency information relating to the performance of a consumer in making payments: (1) under a lease agreement for a dwelling, including a lease in which HUD provides subsidized payments; or (2) pursuant to a contract for a utility or telecommunications service. Information about a consumer's usage of any utility or telecommunications services may be
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Sponsored by: Rep. Raul M. Grijalva
Hearings Held By The Subcommittee On Financial Institutions And Consumer Credit Prior To Referral. on 09/27/2016
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Taxpayer Rights Act of 2015 [HB-4128]
[Taxes ]
[Consumer Protection ]
[Finance ]
[Budget and Spending ]
[Small Business ]
[Law Enforcement ]
[Retirement ]
Taxpayer Rights Act of 2015 TITLE I--TAXPAYER RIGHTS This title amends the Internal Revenue Code to: (1) require the Department of the Treasury, in consultation with the National Taxpayer Advocate, to publish a summary statement of primary taxpayer rights; and (2) in consultation with the Internal Revenue Service (IRS), ensure that IRS employees are familiar with and act in accordance with such rights. Taxpayer rights include the right to be informed, the right to quality service, the right to pay no more than the correct amount of tax, the right
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Sponsored by: Rep. Xavier Becerra
Introduced In House on 11/30/2015
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Consumer Protection and Choice Act [HB-4018]
[Consumer Protection ]
[Finance ]
Consumer Protection and Choice Act This bill amends the Truth in Lending Act to prohibit a deferred presentment transaction except as provided under this Act. A "deferred presentment transaction" is one in which currency or other payment is provided to a consumer in exchange for a consumer's check or other payment instrument and an agreement that such check or payment instrument shall be held for a deferment period prior to presentment, deposit, or redemption. If the Consumer Financial Protection Bureau (CFPB) determines that a state has in effect
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Sponsored by: Rep. Kathy Castor
Introduced In House on 11/16/2015
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ASSURE Act of 2015 Annuity Safety and Security Under Reasonable Enforcement Act of 2015 [HB-3850]
[Consumer Protection ]
[Finance ]
[Insurance ]
[Military ]
[Pensions ]
[Retirement ]
[Veterans ]
ASSURE Act of 2015 Annuity Safety and Security Under Reasonable Enforcement Act of 2015 Amends the Truth in Lending Act to direct the Consumer Financial Protection Bureau (CFPB) to issue regulations requiring any payment to a recipient of a federal or military pension (a benefit recipient) that diminishes the benefit recipient's ability to control payments from such pension to be treated as an extension of credit. Requires financial institutions to include the terms of such credit in consumer information disclosures. Prohibits the annual percentage
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Sponsored by: Rep. Gerald E. Connolly
Referred To The Subcommittee On Military Personnel. on 11/23/2015
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Justice is Not For Sale Act of 2015 [HB-3543]
[Crime ]
[Consumer Protection ]
[Telecommunications ]
[Immigration ]
[Human Rights ]
[Criminal Justice ]
[Data Privacy ]
[Public Safety ]
[Family-Related Legislation ]
[Children and Youth ]
Justice is Not For Sale Act of 2015 This bill requires federal, state, and local governments and their employees to directly operate and perform core services at adult prisons and detention centers. The bill reestablishes parole for eligible federal prisoners sentenced on or after January 1, 2017. (The Sentencing Reform Act of 1984 eliminated parole for offenders convicted of federal crimes committed after November 1, 1987.) It authorizes the United States Parole Commission to: (1) grant or deny a parole application or recommendation; (2) impose
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Sponsored by: Rep. Raul M. Grijalva
Referred To The Subcommittee On Crime, Terrorism, Homeland Security, And Investigations. on 10/05/2015
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Equal Employment for All Act of 2015 [HB-3524]
[Labor, Jobs, Employment ]
[Consumer Protection ]
[Data Privacy ]
Equal Employment for All Act of 2015 This bill amends the Fair Credit Reporting Act governing the use of consumer reports for employment purposes to prohibit a consumer reporting agency from furnishing an employer with a consumer report containing information on the consumer's creditworthiness, credit standing, or credit capacity if the employer intends to use that information for any employment purposes, including denial of employment. The bill does permit an employer to use such a consumer credit report, however, in either an employment decision
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Sponsored by: Rep. Raul M. Grijalva
Introduced In House on 09/16/2015
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Christopher Bryski Student Loan Protection Act Christopher's Law [HB-3474]
[Student Loans ]
[Consumer Protection ]
[Finance ]
Christopher Bryski Student Loan Protection Act Christopher's Law This bill amends the Truth in Lending Act to require a private student loan lender to disclose clearly and conspicuously in writing a cosigner's obligations regarding a private student loan. The Consumer Financial Protection Bureau (CFPB) must publish a model form for such disclosure. The bill prohibits a private student loan lender from taking an adverse action against a borrower (e.g., placing a loan in default or accelerating a loan balance) upon a cosigner's death, disability,
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Sponsored by: Rep. Donald Payne
Referred To The Subcommittee On Higher Education And Workforce Training. on 03/23/2016
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Facilitating Access to Credit Act of 2015 [HB-347]
[Consumer Protection ]
[Finance ]
[Small Business ]
Facilitating Access to Credit Act of 2015 Amends the Credit Repair Organizations Act to exempt from its coverage any consumer reporting agency (or affiliate or subsidiary) described under the Fair Credit Reporting Act as: one that compiles and maintains files on consumers on a nationwide basis; or any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers in order to furnish consumer
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Sponsored by: Rep. Michael E. Capuano
Hearings Held By The Subcommittee On Financial Institutions And Consumer Credit Prior To Referral. on 09/27/2016
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Student Debt Repayment Fairness Act of 2015 [HB-3450]
[Student Loans ]
[Consumer Protection ]
Student Debt Repayment Fairness Act of 2015 Amends the Truth in Lending Act to prohibit a private educational lender from accelerating the repayment terms of the outstanding obligation of a borrower in good standing with respect to a particular private education loan if a cosigner jointly liable on the loan is unable to fulfill any obligations with respect to it by reason of death or disability.
Sponsored by: Rep. Daniel T. Kildee
Introduced In House on 09/08/2015
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Mortgage Fairness Act of 2015 [HB-3393]
[Finance ]
[Real Estate ]
[Housing ]
[Consumer Protection ]
[Property Tax ]
Mortgage Fairness Act of 2015 This bill amends the Truth in Lending Act to revise points and fees under a high-cost mortgage which currently include all compensation paid directly or indirectly by a consumer or creditor to a mortgage originator from any source, including a mortgage originator that is also the creditor in a table-funded transaction. "Table funding" means a settlement at which a loan is funded by a contemporaneous advance of loan funds and an assignment of the loan to the person advancing the funds. A table-funded transaction is not
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Sponsored by: Sen. Martha McSally
Introduced In House on 07/29/2015