Consumer Credit

Federal
US Congress 112th Congress

Medical Debt Responsibility Act of 2012 [S.2149] [Healthcare ] [Consumer Protection ] [Finance ]
Medical Debt Responsibility Act of 2012 - Amends the Fair Credit Reporting Act to prohibit a consumer reporting agency from making any report containing information related to a fully paid or settled medical debt that had been characterized as delinquent, charged off, or in collection which, from the date of payment or settlement, antedates the report by more than 45 days.

  

Sponsored by: Sen. Richard Blumenthal Read Twice And Referred To The Committee On Banking, Housing, And Urban Affairs. on 03/01/2012

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Federal
US Congress 112th Congress

A bill to amend the Federal Deposit Insurance Act with respect to information provided to the Bureau of Consumer Financial Protection. [S.2099] [Consumer Protection ] [Finance ] [Data Privacy ]
Amends the Federal Deposit Insurance Act to make the Consumer Financial Protection Bureau (CFPB) a "covered agency" that may share information with another covered agency or any other federal agency without waiving any privilege applicable to the information. Prohibits information submitted to the CFPB in the course of its supervisory or regulatory process from being construed as waiving, destroying, or affecting any privilege that may be claimed with respect to such information under federal or state law as to any person or entity other than the (continued...)

  

Sponsored by: Sen. Claire McCaskill Read Twice And Referred To The Committee On Banking, Housing, And Urban Affairs. on 02/09/2012

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Federal
US Congress 112th Congress

Prepaid Card Consumer Protection Act of 2011 [S.2030] [Consumer Protection ] [Finance ] [Insurance ]
Prepaid Card Consumer Protection Act of 2011 - Amends the Electronic Fund Transfer Act to extend its coverage to spending accounts (prepaid cards) established by a consumer (or on a consumer's behalf): (1) to which recurring electronic fund transfers may be made, at the consumer's direction; and (2) from which payments may be made, at the consumer's direction, through the use of a card, code, or device. Treats as a spending account any similar deposit account operated or managed by a financial institution, or any other person, whose funds: (1) are (continued...)

  

Sponsored by: Sen. Richard Blumenthal Read Twice And Referred To The Committee On Banking, Housing, And Urban Affairs. on 12/17/2011

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Federal
US Congress 112th Congress

USA PATRIOT Act Sunset Extension Act of 2011 [S.193] [National Security ] [Cybersecurity ] [Technology and Innovation ] [Crime ] [Criminal Justice ] [Data Privacy ] [Defense ]
USA PATRIOT Act Sunset Extension Act of 2011 - (Sec. 2) Amends the USA PATRIOT Improvement and Reauthorization Act of 2005 to extend until December 31, 2013, provisions: (1) authorizing roving electronic surveillance of a foreign power or an agent of a foreign power under the Foreign Intelligence Surveillance Act of 1978, (2) authorizing the Director of the Federal Bureau of Investigation (FBI) to apply for an order requiring the production of tangible things (including books, records, papers, and documents) for foreign intelligence and international (continued...)

  

Sponsored by: Sen. Patrick J. Leahy By Senator Leahy From Committee On The Judiciary Filed Written Report. Report No. 112-13. Minority Views Filed. on 04/05/2011

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Federal
US Congress 112th Congress

Empowering States' Rights To Protect Consumers Act [S.1829] [Consumer Protection ] [Finance ]
Empowering States' Rights To Protect Consumers Act - Amends the Truth In Lending Act to limit the annual percentage rate (APR) applicable to any consumer credit transaction (other than a residential mortgage transaction), including any associated fees, to the maximum rate permitted by the laws of the state in which the consumer resides.

  

Sponsored by: Sen. Jack Reed Sponsor Introductory Remarks On Measure. (cr S7193-7194) on 11/08/2011

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Federal
US Congress 112th Congress

Deceptive Loan Check Elimination Act [S.1767] [Consumer Protection ] [Finance ]
Deceptive Loan Check Elimination Act - Amends the Truth in Lending Act (TILA) to prohibit a person from extending any consumer credit through the use by the consumer of a check or other negotiable instrument sent by the creditor to solicit an extension of consumer credit, unless the consumer has requested it in writing. States that a nonnegotiable instrument that has the appearance of a negotiable instrument in connection with a solicitation for an extension of credit is not an application or request for purposes of this Act. Shields a consumer (continued...)

  

Sponsored by: Sen. Jeff Merkley Read Twice And Referred To The Committee On Banking, Housing, And Urban Affairs. on 10/31/2011

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Federal
US Congress 112th Congress

Christopher Bryski Student Loan Protection Act [S.1748] [Student Loans ] [Consumer Protection ] [Education ]
Christopher Bryski Student Loan Protection Act or Christopher's Law - Amends the Truth in Lending Act to require lenders of private educational loans for which cosigners are held jointly liable to describe clearly and conspicuously, in writing, the cosigners' obligations regarding such loans, including the effect a borrower's or cosigner's death, disability, or inability to engage in any substantial gainful activity would have on such obligations. Directs the Consumer Financial Protection Bureau (CFPB) to publish a model form for describing those (continued...)

  

Sponsored by: Sen. Frank R. Lautenberg Read Twice And Referred To The Committee On Banking, Housing, And Urban Affairs. on 10/20/2011

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Federal
US Congress 112th Congress

Combating Money Laundering, Terrorist Financing, and Counterfeiting Act of 2011 [S.1731] [Finance ] [Crime ] [International ] [National Security ] [Cybersecurity ] [Public Safety ]
Combating Money Laundering, Terrorist Financing, and Counterfeiting Act of 2011 - Amends the federal criminal code to redefine "specified unlawful activity" for purposes of money laundering provisions as any act constituting an offense in violation of the laws of the United States punishable by imprisonment for a term exceeding one year. Prohibits: (1) knowingly conducting a monetary transaction involving the proceeds of unlawful activity of a value greater than $10,000; (2) conducting a monetary transaction involving property of a value greater (continued...)

  

Sponsored by: Sen. Chuck Grassley Read Twice And Referred To The Committee On The Judiciary. on 10/18/2011

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Federal
US Congress 112th Congress

REFRESH Act of 2011 [S.1658] [Agriculture ] [Energy ] [Food ] [Environmental ] [Senior Citizens ] [Budget and Spending ] [Grants ] [Climate Change ]
Repeals the direct and counter-cyclical payment programs for covered commodities and peanuts beginning with the 2013 crop year. Suspends permanent price support authority through December 31, 2017. Amends the Federal Crop Insurance Act to: (1) authorize the Commodity Credit Corporation (CCC) to offer supplemental coverage based on an area yield and loss basis to cover that portion of a crop loss not covered under the producer's individual yield and loss basis insurance plan, (2) require CCC to offer a whole farm insurance plan that allows a producer (continued...)

  

Sponsored by: Sen. Richard G. Lugar Read Twice And Referred To The Committee On Agriculture, Nutrition, And Forestry. on 10/05/2011

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Federal
US Congress 112th Congress

Financial Services and General Government Appropriations Act, 2012 [S.1573] [Finance ] [Taxes ] [Budget and Spending ] [Small Business ] [Consumer Protection ] [Technology and Innovation ] [Telecommunications ] [Elections ] [Law Enforcement ] [National Security ] [Public Safety ] [Healthcare ] [Labor, Jobs, Employment ] [Data Privacy ] [Economic Development ] [Funding ] [Grants ] [Insurance ] [Medicare and Medicaid ] [Cybersecurity ] [Artificial Intelligence ] [Trade ] [Transportation and Motor Vehicles ] [Construction ] [Real Estate ] [Education ] [Criminal Justice ] [Alcoholic Beverages ] [Arts and Culture ] [Crime ]
Financial Services and General Government Appropriations Act, 2012 - Title I: Department of the Treasury - Department of the Treasury Appropriations Act, 2012 - Makes appropriations for FY2012 to the Department of the Treasury for: (1) departmental offices, (2) the Office of Inspector General, (3) the Treasury Inspector General for Tax Administration, (4) the Special Inspector General for the Troubled Asset Relief Program (TARP), (5) the Financial Crimes Enforcement Network, (6) the Financial Management Service, (7) the Alcohol and Tobacco Tax and (continued...)

  

Sponsored by: Sen. Richard Durbin Committee On Appropriations. Original Measure Reported To Senate By Senator Durbin. With Written Report No. 112-79. on 09/15/2011

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Federal
US Congress 112th Congress

Child and Family Services Improvement and Innovation Act [S.1542] [Family-Related Legislation ] [Healthcare ] [Human Services ] [Social Security ] [Children and Youth ] [Public Health ]
Child and Family Services Improvement and Innovation Act - Amends title IV part B (Child and Family Services) of the Social Security Act (SSA) to extend through FY2016 the authorization of appropriations for the Stephanie Tubbs Jones Child Welfare Services Program. Revises requirements for child visitations by caseworkers. Extends through FY2016: (1) the Safe and Stable Families Program, and (2) specified reservations of funds for monthly caseworker visits and regional partnership grants. Revises requirements for grants to assist children affected (continued...)

  

Sponsored by: Sen. Maria Cantwell Committee On Finance. Ordered To Be Reported Without Amendment Favorably. on 09/20/2011

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Federal
US Congress 112th Congress

Personal Data Protection and Breach Accountability Act of 2011 [S.1535] [Cybersecurity ] [Data Privacy ] [Consumer Protection ] [Technology and Innovation ] [Law Enforcement ] [Public Safety ] [Criminal Justice ] [National Security ]
Personal Data Protection and Breach Accountability Act of 2011 - Title I: Enhancing Punishment for Identity Theft and Other Violations of Data Privacy and Security - (Sec. 101) Amends the federal criminal code to impose a fine and/or prison term of up to five years for intentionally or willfully concealing a security breach involving sensitive personally identifiable information when such breach results in economic harm or substantial emotional distress to one or more persons. (Sec. 102) Makes it unlawful for a service provider, as defined by this (continued...)

  

Sponsored by: Sen. Richard Blumenthal Committee On The Judiciary. Ordered To Be Reported With An Amendment In The Nature Of A Substitute Favorably. on 09/22/2011

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Federal
US Congress 112th Congress

Identify Theft and Tax Fraud Prevention Act [S.1534] [Taxes ] [Crime ] [Data Privacy ] [Cybersecurity ] [Public Safety ]
Identify [sic] Theft and Tax Fraud Prevention Act - Amends the Internal Revenue Code to: (1) impose a fine and/or prison term on any person who knowingly or willfully misappropriates another person's tax identification number in connection with any list, return, account, statement, or other document submitted to the Internal Revenue Service (IRS); (2) increase the civil and criminal penalties for improper disclosure or use of taxpayer information by tax return preparers; (3) require the Commissioner of Internal Revenue to submit to the Senate Committee (continued...)

  

Sponsored by: Sen. Bill Nelson Sponsor Introductory Remarks On Measure. (cr S5461-5462) on 09/08/2011

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Federal
US Congress 112th Congress

Data Security Act of 2011 [S.1434] [Cybersecurity ] [Data Privacy ] [Technology and Innovation ] [Consumer Protection ] [Finance ] [Law Enforcement ] [Public Safety ]
Data Security Act of 2011 - Prescribes security procedures which an entity that maintains or communicates sensitive account or personal information must implement and enforce in order to protect the information from an unauthorized use likely to result in substantial harm or inconvenience to the consumer. Grants exclusive enforcement powers to specified federal regulatory agencies with oversight of financial institutions. Denies a private right of action, including a class action, regarding any act or practice regulated under this Act. Prohibits (continued...)

  

Sponsored by: Sen. Thomas R. Carper Read Twice And Referred To The Committee On Banking, Housing, And Urban Affairs. on 07/28/2011

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Federal
US Congress 112th Congress

Data Breach Notification Act of 2011 [S.1408] [Cybersecurity ] [Data Privacy ] [Technology and Innovation ] [Consumer Protection ] [Law Enforcement ] [National Security ] [Public Safety ]
Data Breach Notification Act of 2011 - (Sec. 2) Requires any federal agency or business entity engaged in interstate commerce that uses, accesses, transmits, stores, disposes of, or collects sensitive personally identifiable information, following the discovery of a security breach, to notify: (1) any U.S. resident whose information has been, or is reasonably believed to have been, accessed or acquired; and (2) any owner or licensee of such information. Requires notifications to be made without unreasonable delay following the discovery of a security (continued...)

  

Sponsored by: Sen. Dianne Feinstein Committee On The Judiciary. Reported By Senator Leahy With An Amendment In The Nature Of A Substitute. Without Written Report. on 02/06/2012

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Federal
US Congress 112th Congress

Strengthen and Vitalize Enforcement of Child Support (SAVE Child Support) Act [S.1383] [Family-Related Legislation ] [Human Services ] [Children and Youth ] [Law Enforcement ] [Consumer Protection ]
Strengthen and Vitalize Enforcement of Child Support (SAVE Child Support) Act - Amends part D (Child Support and Establishment of Paternity) of title IV of the Social Security Act (SSA) to require states to adopt the Uniform Interstate Family Support Act, including any amendments officially adopted by the National Conference of Commissioners on Uniform State Laws. Amends the federal judicial code with regard to full faith and credit for a child support order and continuing, exclusive jurisdiction over the order. Declares that a court of a state (continued...)

  

Sponsored by: Sen. Chuck Grassley Read Twice And Referred To The Committee On Finance. on 07/19/2011

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Federal
US Congress 112th Congress

TAX GAP Act of 2011 [S.1289] [Taxes ] [Finance ] [Budget and Spending ] [Law Enforcement ] [Criminal Justice ] [Small Business ] [Healthcare ] [Medicare and Medicaid ] [Labor, Jobs, Employment ] [Crime ]
Taxpayer Advocacy and Government Accountability Promotion Act of 2011 or the TAX GAP Act of 2011 - Amends the Internal Revenue Code to: (1) eliminate certain payment requirements for submitting offers-in-compromise of tax liability; (2) expand requirements for electronic filing of tax returns to certain large corporations and partnerships; (3) require additional information on tax returns relating to mortgage interest; (4) expand information reporting requirements for bank accounts, non-interest bearing deposits, and electronic filings by paid tax (continued...)

  

Sponsored by: Sen. Thomas R. Carper Read Twice And Referred To The Committee On Finance. on 06/28/2011

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Federal
US Congress 112th Congress

Data Security and Breach Notification Act of 2011 [S.1207] [Cybersecurity ] [Data Privacy ] [Technology and Innovation ] [Consumer Protection ] [Nonprofit ]
Data Security and Breach Notification Act of 2011 - Requires the Federal Trade Commission (FTC) to promulgate regulations requiring each covered entity (proprietorships, partnerships, estates, trusts, cooperatives, and nonprofit and for-profit corporations) that owns or possesses data containing personal information to implement policies and procedures regarding information security practices for the treatment and protection of such information. Sets forth additional requirements for information brokers, including requiring brokers to: (1) submit (continued...)

  

Sponsored by: Sen. John D. Rockefeller Read Twice And Referred To The Committee On Commerce, Science, And Transportation. on 06/15/2011

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Federal
US Congress 112th Congress

Veterans Programs Improvement Act of 2011 [S.1148] [Veterans ] [Housing ] [Healthcare ] [Construction ] [Human Services ] [Social Security ] [Poverty ]
Veterans Programs Improvement Act of 2011 - Allows grants made by the Secretary of Veterans Affairs (VA) for homeless veterans' comprehensive services programs (outreach, rehabilitation, vocational counseling, and transitional housing assistance) to be used for the construction of new facilities. Prohibits the Secretary from denying applications for such grants solely on the basis that the grant entity proposes to use funding from other private or public sources, as long as such entity demonstrates that a private nonprofit organization will provide (continued...)

  

Sponsored by: Sen. Richard Blumenthal Committee On Veterans' Affairs. Hearings Held. on 06/08/2011

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Federal
US Congress 112th Congress

USA PATRIOT Act Improvements Act of 2011 [S.1125] [Cybersecurity ] [Data Privacy ] [Law Enforcement ] [National Security ] [Technology and Innovation ] [Criminal Justice ] [Public Safety ] [Crime ]
USA PATRIOT Act Improvements Act of 2011 - Amends provisions of the Foreign Intelligence Surveillance Act of 1978 (FISA), the Right to Financial Privacy Act of 1978, the National Security Act of 1947, and the Fair Credit Reporting Act (FCRA) concerning national security letters to, effective December 31, 2013, make such provisions read as they read on October 25, 2001. Repeals a separate related FCRA provision. Amends FISA to revise requirements for applications for access to business records and other tangible things in counterterrorism investigations (continued...)

  

Sponsored by: Sen. Ron Wyden Read The Second Time. Placed On Senate Legislative Calendar Under General Orders. Calendar No. 71. on 06/06/2011

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