Consumer Credit
US Congress 112th Congress
To close the loophole that allowed the 9/11 hijackers to obtain credit cards from United States banks that financed their terrorist activities, to ensure that illegal immigrants cannot obtain credit cards to evade United States immigration laws, and for other purposes. [HB-1763]
[Finance ]
[Immigration ]
[National Security ]
[Law Enforcement ]
Authorizes a financial institution, when verifying the identity of a non-U.S. citizen or national who is seeking to open a bank account, to accept only: (1) a Social Security number, (2) a passport number and the country of issuance, (3) an alien identification card number, or (4) any combination of such items. Prohibits a financial institution, for such verification purposes, from accepting identification documents issued by a foreign government, other than an unexpired passport.
Sponsored by: Rep. Mo Brooks
Referred To The Subcommittee On Financial Institutions And Consumer Credit. on 07/29/2011
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Gettr US Congress 112th Congress
Data Accountability and Trust Act [HB-1707]
[Technology and Innovation ]
[Consumer Protection ]
[Cybersecurity ]
[Data Privacy ]
Data Accountability and Trust Act - Requires the Federal Trade Commission (FTC) to promulgate regulations requiring each person engaged in interstate commerce that owns or possesses data containing personal information to establish specified security policies and procedures to treat and protect such information. Requires the regulations to include methods for disposing of both electronic and nonelectronic data. Requires information brokers to submit their security policies to the FTC in conjunction with a notification of a security breach notification
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Sponsored by: Rep. Janice D. Schakowsky
Referred To The Subcommittee On Commerce, Manufacturing, And Trade. on 05/06/2011
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US Congress 112th Congress
Bureau of Consumer Financial Protection Transfer Clarification Act [HB-1667]
[Consumer Protection ]
[Finance ]
Bureau of Consumer Financial Protection Transfer Clarification Act - Amends the the Dodd-Frank Wall Street Reform and Consumer Protection Act to require the calendar date for the transfer of certain consumer financial protection functions from specified existing agencies to the Bureau of Consumer Financial Protection (CFPB) to be the later of: (1) the date that would have been designated, but for application of this Act, and (2) the date on which the Director of the Bureau is confirmed by the Senate.
Sponsored by: Sen. Shelley Moore Capito
Supplemental Report Filed By The Committee On Financial Services, H. Rept. 112-93, Part Ii. on 07/19/2011
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US Congress 112th Congress
Consumer Rental Purchase Agreement Act [HB-1588]
[Consumer Protection ]
[Finance ]
[Small Business ]
Consumer Rental Purchase Agreement Act - (Sec. 3) Amends the Consumer Credit Protection Act to prescribe consumer protection guidelines for rental-purchase transactions, including: (1) the determination of rental-purchase cost and a payment schedule; (2) disclosure requirements; (3) prohibitions against confessions of judgment, wage assignments, waiver of consumer claims or defenses, and other specified kinds of provisions; (4) furnishing of statements of account; (5) point-of-rental disclosures; and (6) clear and conspicuous rental-purchase advertising
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Sponsored by: Rep. Robert J. Wittman
Reported (amended) By The Committee On Financial Services. H. Rept. 112-565. on 06/29/2012
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US Congress 112th Congress
Freedom from Discrimination in Credit Act of 2011 [HB-1488]
[Consumer Protection ]
[Human Rights ]
[Race and Civil Rights ]
[Finance ]
Freedom from Discrimination in Credit Act of 2011 - Amends the Equal Credit Opportunity Act to prohibit discrimination on account of sexual orientation or gender identity when extending credit. Defines: (1) "gender identity" as the gender-related identity, appearance, or mannerisms or other gender-related characteristics of an individual with or without regard to the individual's designated sex at birth; (2) "person" as a natural person, corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association;
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Sponsored by: Rep. Raul M. Grijalva
Referred To The Subcommittee On Financial Institutions And Consumer Credit. on 05/02/2011
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US Congress 112th Congress
Section 8 Voucher Reform Act of 2011 [HB-1209]
[Housing ]
[Real Estate ]
[Budget and Spending ]
[Social Security ]
[Healthcare ]
[Human Services ]
[Poverty ]
[Community Development ]
[Senior Citizens ]
[Disabilities ]
[Funding ]
[Grants ]
[Public Health ]
Section 8 Voucher Reform Act of 2011 - Amends the United States Housing Act of 1937 to revise requirements for public housing agency (PHA) inspections of each dwelling unit for which a housing assistance payment contract is established. Allows such payments for a dwelling unit if failure to meet standards is a result only of non-life threatening conditions. Requires suspension of such payments after 30 days if any deficiency has not been corrected. Permits alternative inspection methods if specified standards are met. Changes mandatory compliance
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Sponsored by: Rep. Steve Cohen
Referred To The Subcommittee On Insurance, Housing And Community Opportunity. on 04/04/2011
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US Congress 112th Congress
Internet Gambling Regulation, Consumer Protection, and Enforcement Act [HB-1174]
[Consumer Protection ]
[Finance ]
[Gaming ]
[Technology and Innovation ]
[Cybersecurity ]
[Data Privacy ]
[Law Enforcement ]
[Public Safety ]
[Sports ]
[Crime ]
Internet Gambling Regulation, Consumer Protection, and Enforcement Act - Grants the Secretary of the Treasury regulatory and enforcement jurisdiction over the Internet Gambling Licensing Program established by this Act. Prescribes administrative and licensing requirements for Internet betting, including background check requirements and suitability standards for license applicants. Prohibits any person from operating an Internet gambling facility that knowingly accepts bets or wagers from persons located in the United States without a license issued
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Sponsored by: Rep. Gerald E. Connolly
Referred To The Subcommittee On Crime, Terrorism, And Homeland Security. on 06/01/2011
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US Congress 112th Congress
Small Business Credit Card Act of 2011 [HB-1137]
[Consumer Protection ]
[Finance ]
[Small Business ]
Small Business Credit Card Act of 2011 - Amends the Truth in Lending Act to cover any qualified small business as a consumer with respect to a credit card account under an open end credit plan (thereby extending credit card protections under such Act to small businesses). Defines "qualified small business" under the Act as any business concern having 50 or fewer employees, whether or not: (1) the credit card account is in the name of an individual or a business entity, and (2) any credit transaction involving such account is for business or personal
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Sponsored by: Rep. Raul M. Grijalva
Referred To The Subcommittee On Financial Institutions And Consumer Credit. on 04/04/2011
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US Congress 112th Congress
Responsible Consumer Financial Protection Regulations Act of 2011 [HB-1121]
[Consumer Protection ]
[Finance ]
[Veterans ]
[Military ]
[Senior Citizens ]
[Race and Civil Rights ]
[Budget and Spending ]
Responsible Consumer Financial Protection Regulations Act of 2011 - Amends the Consumer Financial Protection Act of 2010, (title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act), to replace the position of Director of the Bureau of Consumer Financial Protection with a five-member Commission composed of the Vice Chairman for Supervision of the Federal Reserve System and four additional members appointed by the President, with the advice and consent of the Senate, from among individuals who should want to protect service members
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Sponsored by: Sen. Shelley Moore Capito
Supplemental Report Filed By The Committee On Financial Services, H. Rept. 112-107, Part Ii. on 07/19/2011
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Maine 125th Legislature
✔
Resolve, Regarding Legislative Review of Chapter 285: Adjustment of Non-bank Mortgage Lending Fees, a Major Substantive Rule of the Department of Professional and Financial Regulation [HB-15]
[Finance ]
[Housing ]
[Real Estate ]
[Consumer Protection ]
Resolve, Regarding Legislative Review of Chapter 285: Adjustment of Non-bank Mortgage Lending Fees, a Major Substantive Rule of the Department of Professional and Financial Regulation
Sponsored by: No sponsors
(s) Taken From The Table By The President Finally Passed In Concurrence on 03/15/2011
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Maine 125th Legislature
✔
Resolve, To Direct the Bureau of Consumer Credit Protection To Recommend Changes to Credit Reporting Laws Concerning Paid Debts [SB-1243]
[Consumer Protection ]
[Finance ]
Resolve, To Direct the Bureau of Consumer Credit Protection To Recommend Changes to Credit Reporting Laws Concerning Paid Debts
Sponsored by: Sen. Dawn Hill
(s) Finally Passed In Concurrence on 05/05/2011
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Utah 2010 General Session
Credit Counseling Amendments [HB-457]
[Consumer Protection ]
[Finance ]
Credit Counseling Amendments
Sponsored by: Rep. Eric K. Hutchings Bill Numbered By Title Without Any Substance In Lrgc on 02/05/2010
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Utah 2010 General Session
Reporting by Deferred Deposit Lenders [HB-191]
[Finance ]
[Consumer Protection ]
Reporting by Deferred Deposit Lenders
Sponsored by: Rep. Laura Black
House/ Comm Rpt/ Sent To Rules In Hstrul on 03/04/2010
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Utah 2010 General Session
Deferred Deposit Lending Amendments [HB-15]
[Finance ]
[Consumer Protection ]
Deferred Deposit Lending Amendments
Sponsored by: Sen. Karen Mayne
House/ To Governor In Egov on 03/17/2010
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US Congress 111th Congress
Government Charge Card Abuse Prevention Act of 2009 [S.942]
[Budget and Spending ]
[Consumer Protection ]
[Crime ]
[Law Enforcement ]
[National Security ]
[Public Safety ]
[Transportation and Motor Vehicles ]
Government Charge Card Abuse Prevention Act of 2009 - Requires each executive agency, except for the Department of Defense (DOD), to establish and maintain specified safeguards and internal controls for official purchase cards and convenience checks, including measures to ensure that: (1) records are kept of each card holder and applicable transaction limits; (2) rebates and refunds based on prompt payment, sales volume, or other agency actions on card accounts are reviewed for accuracy; (3) periodic reviews are performed to determine whether each
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Sponsored by: Sen. Susan M. Collins
Referred To The Subcommittee On Military Personnel. on 10/28/2009
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US Congress 111th Congress
TARP Accountability Act of 2009 [S.928]
[Finance ]
[Budget and Spending ]
[Taxes ]
[Consumer Protection ]
[Economic Development ]
TARP Accountability Act of 2009 - Amends the Emergency Economic Stabilization Act of 2008 to require that the Secretary of the Treasury's 30-day Troubled Asset Relief Program (TARP) reports to Congress include information on the use of capital investments by each financial institution.
Sponsored by: Sen. Bob Corker
Read Twice And Referred To The Committee On Banking, Housing, And Urban Affairs. on 04/29/2009
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US Congress 111th Congress
Promoting Mortgage Responsibility Act [S.911]
[Housing ]
[Consumer Protection ]
[Finance ]
[Real Estate ]
Promoting Mortgage Responsibility Act - Amends the Truth in Lending Act to prohibit prepayment fees or penalties under any consumer credit transaction secured by the consumer's owner-occupied principal dwelling. Makes any prepayment penalty in violation of this prohibition unenforceable.
Sponsored by: Sen. Jeff Merkley
Sponsor Introductory Remarks On Measure. (cr S4812-4813) on 04/28/2009
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US Congress 111th Congress
Credit Card Safety Star Act of 2009 [S.900]
[Consumer Protection ]
[Finance ]
Credit Card Safety Star Act of 2009 - Amends the Truth in Lending Act to direct the Board of Governors of the Federal Reserve System to promulgate rules to implement a Safety Star System, with one to five stars, to allow consumers to compare quickly and easily the terms, conditions, and levels of safety associated with various open end credit plan agreements. Specifies a point structure for rating credit cards. Assigns an automatic one-star rating (the lowest level of safety) to any open end credit plan that allows the card issuer to modify the
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Sponsored by: Sen. Ron Wyden
Sponsor Introductory Remarks On Measure. (cr S4757) on 04/27/2009
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US Congress 111th Congress
✔
Helping Families Save Their Homes Act of 2009 [S.896]
[Housing ]
[Real Estate ]
[Finance ]
[Budget and Spending ]
[Consumer Protection ]
[Senior Citizens ]
[Veterans ]
[Funding ]
[Grants ]
[Poverty ]
[Property Tax ]
[Public Safety ]
[Law Enforcement ]
[Community Development ]
[Human Services ]
[Disaster Relief ]
[Family-Related Legislation ]
[Children and Youth ]
[Mental Health ]
[Public Health ]
[Criminal Justice ]
[Labor, Jobs, Employment ]
[Small Business ]
[Economic Development ]
Division A: Preventing Mortgage Foreclosures - Helping Families Save Their Homes Act of 2009 - Title I: Prevention of Mortgage Foreclosures - (Sec. 101) Amends the Housing Act of 1949 with respect to guaranteed rural housing loans to require mortgagees, upon either actual or imminent default of a guaranteed mortgage, to engage in loss mitigation actions as an alternative to foreclosure (including special forbearance, loan modification, pre-foreclosure sale, deed in lieu of foreclosure, support for borrower housing counseling, subordinate lien resolution,
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Sponsored by: Sen. Richard Durbin
Cleared For White House. on 05/20/2009
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US Congress 111th Congress
Helping Families Save Their Homes Act of 2009 [S.895]
[Finance ]
[Real Estate ]
[Housing ]
[Veterans ]
[Agriculture ]
[Consumer Protection ]
[Law Enforcement ]
[Property Tax ]
[Public Safety ]
[Economic Development ]
[Funding ]
[Grants ]
[Investments ]
Helping Families Save Their Homes Act of 2009 - Amends federal bankruptcy law governing a Chapter 13 debtor (adjustment of debts of an individual with regular income). Excludes from computation of debts specified debts secured by the debtor's principal residence. Applies the credit counseling requirement to a Chapter 13 debtor who certifies receipt of notice that the holder of a claim secured by the debtor's principal residence may commence a foreclosure on it. Allows such a debtor to satisfy the requirement within 30 days after filing a petition
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Sponsored by: Sen. Richard Durbin
Read The Second Time. Placed On Senate Legislative Calendar Under General Orders. Calendar No. 51. on 04/27/2009