Consumer Credit
US Congress 114th Congress
Defense Against Digital Theft Act [HB-3360]
[Cybersecurity ]
[Data Privacy ]
[Technology and Innovation ]
[National Security ]
[Defense ]
[Insurance ]
[Law Enforcement ]
[Public Safety ]
[Crime ]
Defense Against Digital Theft Act This bill directs the Office of Personnel Management (OPM) to provide individuals who have been affected by a breach of personnel records in a database network maintained by the Department of the Interior or OPM with complimentary identity protection coverage that: (1) is not less comprehensive than the complimentary identity protection coverage provided before the enactment date of this Act, (2) is effective for a period of not less than 10 years, and (3) includes not less than $5 million in identity theft insurance.
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Sponsored by: Rep. Derek Kilmer
Introduced In House on 07/29/2015
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Equality Act [HB-3185]
[Human Rights ]
[Race and Civil Rights ]
[Housing ]
[Consumer Protection ]
[Law Enforcement ]
[Education ]
[Healthcare ]
[Public Safety ]
[Religion ]
[Crime ]
[Children and Youth ]
[Criminal Justice ]
[Disabilities ]
[Family-Related Legislation ]
[Labor, Jobs, Employment ]
Equality Act Amends the Civil Rights Act of 1964 to include sex, sexual orientation, and gender identity among the prohibited categories of discrimination or segregation in places of public accommodation. Defines: "sex" to include a sex stereotype, sexual orientation or gender identity, and pregnancy, childbirth, or a related medical condition; "sexual orientation" as homosexuality, heterosexuality, or bisexuality; and "gender identity" as gender-related identity, appearance, mannerisms, or characteristics, regardless of the individual's designated
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Sponsored by: Rep. Sean Patrick Maloney
Referred To The Subcommittee On The Constitution And Civil Justice. on 09/08/2015
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Bureau Research Transparency Act [HB-3131]
[Consumer Protection ]
[Finance ]
[Data Privacy ]
Bureau Research Transparency Act Amends the Consumer Financial Protection Act of 2010 to require the Consumer Financial Protection Bureau, any time it issues a research paper available to the public, to accompany it with all studies, data, and other analyses on which it was based.
Sponsored by: Rep. Michael G. Fitzpatrick
Introduced In House on 07/21/2015
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To eliminate the Bureau of Consumer Financial Protection by repealing title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act, commonly known as the Consumer Financial Protection Act of 2010. [HB-3118]
[Consumer Protection ]
[Finance ]
To eliminate the Bureau of Consumer Financial Protection by repealing title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act, commonly known as the Consumer Financial Protection Act of 2010. This bill repeals the Consumer Financial Protection Act of 2010, which established the Consumer Financial Protection Bureau. The bill revives or restores the provisions of law amended by such Act as if it had not been enacted.
Sponsored by: Rep. Steve Russell
Introduced In House on 07/20/2015
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Credit Access and Inclusion Act of 2015 [HB-3035]
[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
Introduced In House on 07/13/2015
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Military Consumer Protection Act [HB-2979]
[Consumer Protection ]
[Military ]
[Veterans ]
[Finance ]
[Housing ]
Military Consumer Protection Act This bill amends the Consumer Financial Protection Act to extend Consumer Financial Protection Bureau oversight and protection to provisions under the Servicemembers Civil Relief Act concerning: future financial transactions, excluding insurance; default judgments, excluding child custody proceedings; interest rates on pre-service debts; evictions; purchase or lease installment contracts; mortgages and trusts; motor vehicle leases; telephone service contracts; and waiver of rights pursuant to a written agreement,
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Sponsored by: Rep. Janice D. Schakowsky
Introduced In House on 07/08/2015
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Consumer Privacy Protection Act of 2015 [HB-2977]
[Consumer Protection ]
[Cybersecurity ]
[Data Privacy ]
[Law Enforcement ]
[Technology and Innovation ]
[Public Safety ]
Consumer Privacy Protection Act of 2015 This bill makes it a crime to intentionally and willfully conceal knowledge of a security breach involving sensitive personally identifiable information (PII). If the breach results in economic harm of at least $1,000 to any individual, then a violator is subject to a fine and/or five years in prison. The legislation authorizes the Department of Justice (DOJ) to seek a civil injunction to prevent ongoing conduct that damages 100 or more protected computers during any one-year period. A protected computer is
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Sponsored by: Rep. Henry C. Johnson
Referred To The Subcommittee On Crime, Terrorism, Homeland Security, And Investigations. on 07/29/2015
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Sound Dollar Act of 2015 [HB-2913]
[Finance ]
[Budget and Spending ]
[Consumer Protection ]
[Taxes ]
[Economic Development ]
Sound Dollar Act of 2015 Amends the Federal Reserve Act (FRA) to direct the Board of Governors of the Federal Reserve System (Board) and the Federal Open Market Committee (FOMC) to: (1) pursue the goal of long-term price stability, and (2) establish metrics to evaluate whether long-term price stability is being achieved. Prescribes procedures for the establishment and evaluation of such metrics. Directs the Board and the FOMC to: (1) make such information available to the public on a website, and (2) report to Congress each time such metrics are
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Sponsored by: Rep. Rod Blum
Introduced In House on 06/25/2015
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Internet Poker Freedom Act of 2015 [HB-2888]
[Gaming ]
[Technology and Innovation ]
[Cybersecurity ]
[Data Privacy ]
[Consumer Protection ]
[Public Health ]
[Mental Health ]
[Crime ]
Internet Poker Freedom Act of 2015 Prohibits a person from (and requires a fine under the federal criminal code, imprisonment up to five years, or both for) operating an Internet poker facility without a license in good standing issued by a specified qualified regulatory authority. Requires the Department of Commerce to establish the Office of Internet Poker Oversight. Makes such prohibition inapplicable to facilities operated by persons located outside the United States in which bets or wagers are made by individuals located outside the United
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Sponsored by: Rep. Steve Cohen
Referred To The Subcommittee On Commerce, Manufacturing, And Trade. on 06/26/2015
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Community Lender Regulatory Relief and Consumer Protection Act of 2015 [HB-2642]
[Finance ]
[Consumer Protection ]
[Housing ]
[Veterans ]
[Real Estate ]
[Insurance ]
Community Lender Regulatory Relief and Consumer Protection Act of 2015 This bill amends the Truth in Lending Act with respect to the presumption of a mortgagor's ability to pay a qualified residential mortgage loan and the insured depository institutions or insured credit unions meeting specified criteria that may be its creditors. The Gramm-Leach-Bliley Act is amended to exempt from its requirement of annual written privacy notices certain financial institutions. The Federal Deposit Insurance Act is amended to: (1) increase from $500 million to
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Sponsored by: Rep. Gregory W. Meeks
Introduced In House on 06/03/2015
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Consumer Debt Forgiveness Tax Relief Act of 2015 [HB-2640]
[Taxes ]
[Consumer Protection ]
[Family-Related Legislation ]
Consumer Debt Forgiveness Tax Relief Act of 2015 Amends the Internal Revenue Code to exclude from gross income, for income tax purposes, income that is imputed to the discharge of qualified consumer indebtedness. Defines "qualified consumer indebtedness" as any indebtedness of a natural person arising out of a transaction in which the money, property, or services that are the subject of the transaction are primarily for personal, family, or household purposes. Provides that the aggregate amount of discharged indebtedness excludible from gross income
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Sponsored by: Rep. Ann M. Kuster
Introduced In House on 06/03/2015
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Bereaved Borrowers' Bill of Rights Act of 2015 [HB-2542]
[Student Loans ]
[Consumer Protection ]
[Finance ]
Bereaved Borrowers' Bill of Rights Act of 2015 Amends the Truth in Lending Act to require a private educational lender to include in a private education loan for which the cosigner is jointly liable a process for releasing the cosigner from obligations on the loan. Requires a lender who receives notification of the death or bankruptcy of a cosigner who is jointly liable for the loan to notify the borrower about the borrower's rights under the loan agreement regarding: (1) release of the cosigner, and (2) identification of a new cosigner or refinancing
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Sponsored by: Rep. Rick Larsen
Introduced In House on 05/21/2015
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FAIR Student Credit Act of 2015 Federal Adjustment in Reporting Student Credit Act of 2015 [HB-2363]
[Student Loans ]
[Consumer Protection ]
[Education ]
FAIR Student Credit Act of 2015 Federal Adjustment in Reporting Student Credit Act of 2015 Amends the Fair Credit Reporting Act to allow a consumer to request the removal of a previously reported default regarding a qualified education loan from a consumer report if the consumer meets the requirements of a private loan rehabilitation program in which the number of consecutive on-time monthly payments is equal to the number of payments specified in a default reduction program under the Higher Education Act of 1965. Permits a consumer to obtain such
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Sponsored by: Rep. Stephen Lee Fincher
Introduced In House on 05/15/2015
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Medical Debt Relief Act of 2015 [HB-2362]
[Healthcare ]
[Consumer Protection ]
[Insurance ]
[Public Health ]
Medical Debt Relief Act of 2015 This bill amends the Fair Credit Reporting Act to prohibit a consumer reporting agency from making any consumer report containing information related to: (1) a medical debt (arising from the receipt of medical services, products, or devises) if the date on which the debt was placed for collection, charged to profit or loss, or any similar action antedates the report by less than 180 days, or (2) a fully paid or settled medical debt that had been characterized as delinquent, charged off, or in collection which, from
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Sponsored by: Rep. Michael E. Capuano
Introduced In House on 05/15/2015
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Freedom from Discrimination in Credit Act of 2015 [HB-2309]
[Consumer Protection ]
[Human Rights ]
[Race and Civil Rights ]
[Finance ]
Freedom from Discrimination in Credit Act of 2015 Amends the Equal Credit Opportunity Act to expand the categories of prohibited discrimination when extending credit to include discrimination on account of sexual orientation or gender identity. (Currently, such discrimination in credit is prohibited only on the basis of race, color, religion, national origin, sex or marital status, or age.) Provides for such Act to apply whether the basis for certain prohibited forms of discrimination is actual or perceived. Defines: (1) "gender identity" as the
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Sponsored by: Rep. Sean Patrick Maloney
Introduced In House on 05/13/2015
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Data Security Act of 2015 [HB-2205]
[Technology and Innovation ]
[Cybersecurity ]
[Data Privacy ]
[Consumer Protection ]
[Law Enforcement ]
[Telecommunications ]
[Healthcare ]
[Finance ]
[Public Safety ]
[Crime ]
Data Security Act of 2015 Requires individuals, corporations, or other non-government entities that access, maintain, communicate, or handle sensitive financial account information or nonpublic personal information to implement an information security program and to notify consumers, federal law enforcement, appropriate administrative agencies, payment card networks, and consumer reporting agencies of certain data breaches of unencrypted sensitive information likely to cause identity theft or fraudulent transactions on consumer financial accounts.
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Sponsored by: Rep. Ted Poe
Reported (amended) By The Committee On Financial Services. H. Rept. 114-867, Part I. on 12/12/2016
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Hire More Heroes Act of 2015 [HB-22]
[Transportation and Motor Vehicles ]
[Infrastructure ]
[Small Business ]
[Labor, Jobs, Employment ]
[Energy ]
[Technology and Innovation ]
[Tourism ]
[Economic Development ]
[Funding ]
[Grants ]
[Public Safety ]
[Construction ]
[Trade ]
[Budget and Spending ]
[Environmental ]
[Air Quality ]
[Water ]
[Science ]
[Data Privacy ]
[Cybersecurity ]
[Telecommunications ]
[National Security ]
Hire More Heroes Act of 2015 DIVISION A--SURFACE TRANSPORTATION (Sec. 1002) Directs the Department of Transportation (DOT) to reduce the amount apportioned for a surface transportation program, project, or activity for FY2016 by amounts apportioned or allocated under any extension of the Moving Ahead for Progress in the 21st Century Act (MAP-21) for the period beginning October 1, 2015, and ending upon enactment of this Act. TITLE I--FEDERAL-AID HIGHWAYS Subtitle A--Authorizations and Programs (Sec. 1101) Reauthorizes through FY2020: certain core
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Sponsored by: Rep. David G. Valadao
Message On Senate Action Sent To The House. on 12/04/2015
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Online Credit Card Disclosure Act of 2015 [HB-2129]
[Consumer Protection ]
[Finance ]
[Technology and Innovation ]
[Data Privacy ]
Online Credit Card Disclosure Act of 2015 Amends the Truth in Lending Act to require the billing statement of a consumer's account under an open end online credit plan to make specified disclosures in a conspicuous and prominent location on its webpage with each billing cycle.
Sponsored by: Rep. David E. Price
Introduced In House on 04/30/2015
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Child Support Assistance Act of 2015 [HB-2091]
[Family-Related Legislation ]
[Consumer Protection ]
[Children and Youth ]
[Human Services ]
Child Support Assistance Act of 2015 (Sec. 2) Amends the Fair Credit Reporting Act, with respect to the permissible purposes of consumer reports, to authorize a consumer reporting agency to furnish a consumer report in response to a request by the head of a state or local child support enforcement agency (or an authorized state or local government official), if the requester certifies that the report is needed for enforcing a child support order, award, agreement, or judgment. Repeals the requirement for 10 days' prior notice to a consumer whose
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Sponsored by: Rep. David Scott
Received In The Senate And Read Twice And Referred To The Committee On Banking, Housing, And Urban Affairs. on 10/07/2015
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USA FREEDOM Act of 2015 Uniting and Strengthening America by Fulfilling Rights and Ensuring Effective Discipline Over Monitoring Act of 2015 [HB-2048]
[National Security ]
[Cybersecurity ]
[Technology and Innovation ]
[Data Privacy ]
[Law Enforcement ]
[Criminal Justice ]
[Crime ]
USA FREEDOM Act of 2015 Uniting and Strengthening America by Fulfilling Rights and Ensuring Effective Discipline Over Monitoring Act of 2015 TITLE I--FISA BUSINESS RECORDS REFORMS (Sec. 101) Amends the Foreign Intelligence Surveillance Act of 1978 (FISA) to establish a new process to be followed when the Federal Bureau of Investigation (FBI) submits an application to a FISA court for an order requiring the production of business records or other tangible things for an investigation to obtain foreign intelligence information not concerning a U.S.
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Sponsored by: Rep. Henry C. Johnson
Considered By Senate. (consideration: Cr S3421-3439, S3439-3444) on 06/02/2015