Consumer Credit
US Congress 116th Congress
Taxpayer First Act of 2019 [S.928]
[Taxes ]
[Technology and Innovation ]
[Cybersecurity ]
[Funding ]
[Grants ]
[Consumer Protection ]
[Data Privacy ]
Modifies requirements for the Internal Revenue Service (IRS) regarding its organizational structure, customer service, enforcement procedures, management of information technology, and use of electronic systems. The bill includes provisions that establish the IRS Independent Office of Appeals to resolve federal tax controversies without litigation; require the IRS to develop a comprehensive customer service strategy; continue the IRS Free File Program; exempt certain low-income taxpayers from payments required to submit an offer-in-compromise; modify
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Sponsored by: Sen. Susan M. Collins
Read Twice And Referred To The Committee On Finance. (sponsor Introductory Remarks On Measure: Cr S2091) on 03/28/2019
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Taxpayer First Act of 2019 [HB-1957]
[Public Lands and National Parks ]
[Energy ]
[Budget and Spending ]
[Funding ]
[Grants ]
Establishes the National Parks and Public Land Legacy Restoration Fund to support deferred maintenance projects on federal lands. For FY2021-FY2025, there shall be deposited into the fund an amount equal to 50% of energy development revenues credited, covered, or deposited as miscellaneous receipts from oil, gas, coal, or alternative or renewable energy development on federal lands and waters. Deposited amounts must not exceed $1.9 billion for any fiscal year. The fund must be used for priority deferred maintenance projects in specified systems
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Sponsored by: Rep. Eleanor Holmes Norton
Became Public Law No: 116-152. on 08/04/2020
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Economic Mobility Corps Act of 2019 [S.884]
[Community Development ]
[Finance ]
[Housing ]
[Small Business ]
[Economic Development ]
[Funding ]
[Grants ]
[Human Services ]
[Poverty ]
Establishes the Economic Mobility Corps for the purpose of providing support to community development financial institutions and projects related to financial counseling, financial services, job placement, small business financing, affordable rental housing financing, commercial facility financing, community facility financing, single-family home financing, and foreclosure prevention services. Specifically, the Corporation for National and Community Service and the Department of the Treasury must establish grants and other support for this program.
Sponsored by: Sen. Christopher A. Coons
Read Twice And Referred To The Committee On Banking, Housing, And Urban Affairs. on 03/26/2019
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US Congress 116th Congress
Kids to College Act [HB-1810]
[Student Loans ]
[Education ]
[Consumer Protection ]
[Finance ]
[Taxes ]
Provides for income-share agreements whereby a student agrees to pay a percentage of future income, for a specified period of time, in exchange for funds to pay for educational expenses. The bill places caps on the percentage of a student's future income that may go towards repayment, provides income minimums under which the required payment is zero, and establishes limitations on the length of these agreements. The bill provides for the treatment of these agreements under various laws, including tax, securities, and consumer finance laws.
Sponsored by: Rep. Vicente Gonzalez
Referred To The Subcommittee On Economic Opportunity. on 04/11/2019
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SHIELD for Veterans Act of 2020 Stopping Harm and Implementing Enhanced Lead-time for Debts for Veterans Act of 2020 Veteran Debt Fairness Act of 2019 [S.805]
[Veterans ]
[Technology and Innovation ]
[Consumer Protection ]
[Cybersecurity ]
[Funding ]
[Grants ]
[Human Services ]
[Law Enforcement ]
[Military ]
[Poverty ]
[Retirement ]
Limits the authority of the Department of Veterans Affairs (VA) to recover overpayments of benefits from veterans. Among other requirements, the VA must update its information technology systems to allow for expedited notification when a veteran incurs a debt via participation in a VA benefits program. The VA may only deduct the amount of debt of any veteran who is in debt because of participation in a VA benefits program from future benefit payments if the debt is the result of the following: failure to report correct, required information to the
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Sponsored by: Sen. Ron Wyden
Committee On Veterans' Affairs. Reported By Senator Moran With An Amendment In The Nature Of A Substitute. Without Written Report. on 09/15/2020
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Freedom Financing Act [S.821]
[Finance ]
[Consumer Protection ]
[Small Business ]
Restricts certain banks, credit unions, and payment card networks from refusing to do business with a person based on reputational considerations.
Sponsored by: Sen. Marsha Blackburn
Read Twice And Referred To The Committee On Banking, Housing, And Urban Affairs. on 03/14/2019
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Preventing Credit Score Discrimination in Auto Insurance Act [HB-1756]
[Insurance ]
[Consumer Protection ]
[Transportation and Motor Vehicles ]
[Data Privacy ]
Prohibits the use of a credit report, a credit score, or other consumer information in determining auto insurance coverage or rates.
Sponsored by: Rep. Barbara Lee
Introduced In House on 03/14/2019
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US Congress 116th Congress
Equality Act [S.788]
[Housing ]
[Labor, Jobs, Employment ]
[Race and Civil Rights ]
[Human Rights ]
[Human Services ]
[Education ]
[Public Safety ]
[Law Enforcement ]
Prohibits discrimination based on sex, sexual orientation, and gender identity in areas including public accommodations and facilities, education, federal funding, employment, housing, credit, and the jury system. Specifically, the bill defines and includes sex, sexual orientation, and gender identity among the prohibited categories of discrimination or segregation. The bill expands the definition of public accommodations to include places or establishments that provide (1) exhibitions, recreation, exercise, amusement, gatherings, or displays; (2)
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Sponsored by: Sen. Robert P. Casey
Read Twice And Referred To The Committee On The Judiciary. on 03/13/2019
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American Housing and Economic Mobility Act of 2019 [HB-1737]
[Housing ]
[Real Estate ]
[Taxes ]
[Economic Development ]
[Finance ]
[Community Development ]
[Human Rights ]
[Veterans ]
[Construction ]
[Funding ]
[Grants ]
[Family-Related Legislation ]
[Consumer Protection ]
Addresses housing affordability and availability, makes certain changes to the estate and gift taxes, and contains other related provisions. The Department of Housing and Urban Development shall provide grants to (1) state and local governments that remove unnecessary barriers to building affordable units, (2) states to assist borrowers who have negative equity in their homes, (3) state housing finance agencies to construct affordable rental housing and prevent tenant displacement and harassment, and (4) eligible individuals (generally, lower income
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Sponsored by: Rep. Barbara Lee
Referred To The Subcommittee On The Constitution, Civil Rights, And Civil Liberties. on 04/12/2019
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American Housing and Economic Mobility Act of 2019 [S.787]
[Housing ]
[Real Estate ]
[Taxes ]
[Economic Development ]
[Community Development ]
[Finance ]
[Human Rights ]
[Veterans ]
[Construction ]
[Grants ]
[Funding ]
[Family-Related Legislation ]
Addresses housing affordability and availability, makes certain changes to the estate and gift taxes, and contains other related provisions. The Department of Housing and Urban Development shall provide grants to (1) state and local governments that remove unnecessary barriers to building affordable units, (2) states to assist borrowers who have negative equity in their homes, (3) state housing finance agencies to construct affordable rental housing and prevent tenant displacement and harassment, and (4) eligible individuals (generally, lower income
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Sponsored by: Sen. Edward J. Markey
Read Twice And Referred To The Committee On Finance. on 03/13/2019
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US Congress 116th Congress
Equality Act [HB-5]
[Housing ]
[Labor, Jobs, Employment ]
[Race and Civil Rights ]
[Human Rights ]
[Public Safety ]
[Religion ]
[Education ]
[Law Enforcement ]
[Criminal Justice ]
Prohibits discrimination based on sex, sexual orientation, and gender identity in a wide variety of areas including public accommodations and facilities, education, federal funding, employment, housing, credit, and the jury system. Specifically, the bill defines and includes sex, sexual orientation, and gender identity among the prohibited categories of discrimination or segregation. The bill expands the definition of public accommodations to include places or establishments that provide (1) exhibitions, recreation, exercise, amusement, gatherings,
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Sponsored by: Rep. Sean Patrick Maloney
Received In The Senate And Read Twice And Referred To The Committee On The Judiciary. on 05/20/2019
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CFPB Student Loan Integrity and Transparency Act of 2019 [S.720]
[Student Loans ]
[Consumer Protection ]
[Education ]
[Funding ]
Requires the Department of Education (ED) to provide information related to student loans to the Consumer Financial Protection Bureau (CFPB). The bill prohibits ED from entering into an agreement with a contractor or vendor that services student loans unless the contractor or vendor agrees to provide requested information to the CFPB. It also requires the CFPB to maintain adequate staffing levels to carry out its duties.
Sponsored by: Sen. Richard Blumenthal
Read Twice And Referred To The Committee On Health, Education, Labor, And Pensions. on 03/07/2019
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SAFE Lending Act of 2019 Stopping Abuse and Fraud in Electronic Lending Act of 2019 [HB-1509]
[Consumer Protection ]
[Finance ]
[Small Business ]
[Data Privacy ]
Revises requirements related to consumer financial protection and small-dollar lending, including matters concerning remotely created checks, electronic fund transfers, registration of small-dollar lenders, overdraft fees, and the collection of personal information. Under the bill, remotely created checks may only be issued by a person specifically designated in writing by a consumer and provided to the consumer's depository institution. (A remotely created check is a check not issued by the bank and not signed by the account owner.) A voluntary
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Sponsored by: Rep. Suzanne Bonamici
Introduced In House on 03/05/2019
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SAFE Lending Act of 2019 Stopping Abuse and Fraud in Electronic Lending Act of 2019 [HB-1509]
[Consumer Protection ]
[Finance ]
[Small Business ]
[Data Privacy ]
Revises requirements related to consumer financial protection and small-dollar lending, including matters concerning remotely created checks, electronic fund transfers, registration of small-dollar lenders, overdraft fees, and the collection of personal information. Under the bill, remotely created checks may only be issued by a person specifically designated in writing by a consumer and provided to the consumer's depository institution. (A remotely created check is a check not issued by the bank and not signed by the account owner.) A voluntary
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Sponsored by: Rep. Suzanne Bonamici
Introduced In House on 03/05/2019
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Consumers First Act [HB-1500]
[Finance ]
[Student Loans ]
[Consumer Protection ]
[Housing ]
[Medicare and Medicaid ]
[Budget and Spending ]
[Veterans ]
[Senior Citizens ]
[Children and Youth ]
[Data Privacy ]
Revises provisions related to the administration of the Consumer Financial Protection Bureau (CFPB). (Sec. 3) The bill amends all statutory references to the "Bureau of Consumer Financial Protection" to refer instead to the "Consumer Financial Protection Bureau." (Sec. 5) Specified units, offices, and boards of the CFPB must perform their assigned duties and may not be renamed or reorganized. The bill establishes requirements for staffing levels, political appointees, and the publication of consumer complaints regarding consumer financial products
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Sponsored by: Rep. Gregory W. Meeks
Received In The Senate And Read Twice And Referred To The Committee On Banking, Housing, And Urban Affairs. on 05/23/2019
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SAFE Lending Act of 2019 Stopping Abuse and Fraud in Electronic Lending Act of 2019 [S.656]
[Consumer Protection ]
[Finance ]
[Small Business ]
[Data Privacy ]
Revises requirements related to consumer financial protection and small-dollar lending, including matters concerning remotely created checks, electronic fund transfers, registration of small-dollar lenders, overdraft fees, and the collection of personal information. Under the bill, remotely created checks may only be issued by a person specifically designated in writing by a consumer and provided to the consumer's depository institution. (A remotely created check is a check not issued by the bank and not signed by the account owner.) A voluntary
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Sponsored by: Sen. Dianne Feinstein
Read Twice And Referred To The Committee On Banking, Housing, And Urban Affairs. on 03/05/2019
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HUBS for Veterans Act of 2019 Helping Unleash Benefits and Services for Veterans Act of 2019 [S.666]
[Veterans ]
[Labor, Jobs, Employment ]
[Grants ]
[Military ]
[Human Services ]
Establishes a grant program to assist the transition of military personnel to civilian life. It directs the Department of Labor to carry out a five-year program of grants to nonprofit organizations that assist the transition of the following persons from Armed Forces service to civilian life: members eligible for preseparation counseling, former members who are transitioning to civilian life, and spouses of such members or former members. Funds must be used for a broad range of supportive programs.
Sponsored by: Sen. Sherrod Brown
Read Twice And Referred To The Committee On Veterans' Affairs. on 03/05/2019
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FAIR Act Forced Arbitration Injustice Repeal Act [HB-1423]
[Consumer Protection ]
[Labor, Jobs, Employment ]
[Race and Civil Rights ]
[Human Rights ]
[Law Enforcement ]
Prohibits a predispute arbitration agreement from being valid or enforceable if it requires arbitration of an employment, consumer, antitrust, or civil rights dispute.
Sponsored by: Rep. Sean Patrick Maloney
Received In The Senate And Read Twice And Referred To The Committee On The Judiciary. on 09/24/2019
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Stop Foreign Donations Affecting Our Elections Act [HB-1422]
[Elections ]
[Voting Rights ]
[Cybersecurity ]
[National Security ]
Requires political committees, when accepting a credit card contribution over the internet, to collect the credit card's verification value. The card's billing address must be in the United States unless the contributor is a U.S. citizen living outside of the United States, in which case the contributor must provide his or her voter registration address.
Sponsored by: Rep. James P. McGovern
Introduced In House on 02/28/2019
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Forced Arbitration Injustice Repeal Act [S.610]
[Consumer Protection ]
[Labor, Jobs, Employment ]
[Race and Civil Rights ]
[Human Rights ]
Prohibits a predispute arbitration agreement from being valid or enforceable if it requires arbitration of an employment, consumer, antitrust, or civil rights dispute.
Sponsored by: Sen. Robert P. Casey
Read Twice And Referred To The Committee On The Judiciary. on 02/28/2019