Consumer Credit
US Congress 116th Congress
Consolidated Appropriations Act, 2019 [HB-648]
[Agriculture ]
[Finance ]
[Environmental ]
[Infrastructure ]
[Housing ]
[Transportation and Motor Vehicles ]
[Budget and Spending ]
[Aerospace ]
[Food ]
[Healthcare ]
[Medicare and Medicaid ]
[Insurance ]
[Disaster Relief ]
[Funding ]
[Grants ]
Provides FY2019 appropriations for several federal departments and agencies. It includes 6 of the 12 regular FY2019 appropriations bills: the Agriculture, Rural Development, Food and Drug Administration, and Related Agencies Appropriations Act, 2019; the Commerce, Justice, Science, and Related Agencies Appropriations Act, 2019; the Financial Services and General Government Appropriations Act, 2019; the Department of the Interior, Environment, and Related Agencies Appropriations Act, 2019; the Department of State, Foreign Operations, and Related
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Sponsored by: Rep. Nita Lowey
Read The Second Time. Placed On Senate Legislative Calendar Under General Orders. Calendar No. 16. on 01/28/2019
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Federal Employees Civil Relief Act [HB-588]
[Labor, Jobs, Employment ]
[Budget and Spending ]
[Public Safety ]
Establishes a framework to temporarily suspend certain judicial and administrative proceedings against a federal employee or contractor during a lapse in appropriations.
Sponsored by: Rep. Sean Maloney
Referred To The Subcommittee On Health. on 03/01/2019
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Financial Protection for Our Military Families Act [HB-442]
[Consumer Protection ]
[Finance ]
[Military ]
[Veterans ]
Extends the supervisory authority of the Consumer Financial Protection Bureau to credit protections applicable to certain active duty members of the armed forces and their dependents.
Sponsored by: Rep. Garland Barr
Referred To The Subcommittee On Military Personnel. on 01/24/2019
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Protecting Consumer Information Act of 2019 [HB-331]
[Consumer Protection ]
[Cybersecurity ]
[Data Privacy ]
[Technology and Innovation ]
Requires the Federal Trade Commission to review protections of customer information against cyber threats. The bill includes provisions related to investigations, enforcement, and regulations that apply to consumer reporting agencies.
Sponsored by: Rep. Ted Lieu
Referred To The Subcommittee On Consumer Protection And Commerce. on 01/31/2019
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Fair Lending for All Act [HB-166]
[Consumer Protection ]
[Crime ]
[Housing ]
[Data Privacy ]
[Public Safety ]
[Finance ]
Modifies provisions related to prohibited credit discrimination. The bill adds sexual orientation, gender identity, and an applicant's location based on zip code or census tract as classes protected against discrimination with respect to credit transactions. (Currently, discrimination is prohibited on the basis of race, color, religion, national origin, sex, marital status, age, or because an applicant receives public assistance.) The bill establishes criminal penalties for violations of prohibited credit discrimination. The Consumer Financial Protection
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Sponsored by: Rep. Al Green
Introduced In House on 01/03/2019
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Alternative Data for Additional Credit FHA Pilot Program Reauthorization Act [HB-123]
[Housing ]
[Finance ]
[Consumer Protection ]
[Real Estate ]
Reauthorizes a pilot program for an alternative credit rating system for use by mortgage lenders. Specifically, the program provides credit information about borrowers who have insufficient credit histories for purposes of determining their creditworthiness for mortgages insured by the Federal Housing Administration.
Sponsored by: Rep. Al Green
Reported (amended) By The Committee On Financial Services. H. Rept. 116-663. on 12/17/2020
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Consolidated Appropriations Act, 2019 [HB-21]
[Agriculture ]
[Environmental ]
[Finance ]
[Infrastructure ]
[Transportation and Motor Vehicles ]
[Budget and Spending ]
[Healthcare ]
[Housing ]
[International ]
[Science ]
[Food ]
[Medicare and Medicaid ]
[Funding ]
[Grants ]
[Insurance ]
[Disaster Relief ]
[Aerospace ]
Provides FY2019 appropriations for several federal departments and agencies. It includes 6 of the 12 regular FY2019 appropriations bills: the Department of the Interior, Environment, and Related Agencies Appropriations Act, 2019; the Financial Services and General Government Appropriations Act, 2019; the Agriculture, Rural Development, Food and Drug Administration, and Related Agencies Appropriations Act, 2019; the Transportation, Housing and Urban Development, and Related Agencies Appropriations Act, 2019; the Commerce, Justice, Science, and Related
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Sponsored by: Rep. Nita Lowey
Read The Second Time. Placed On Senate Legislative Calendar Under General Orders. Calendar No. 5. on 01/08/2019
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Taxpayer First Act of 2018 [HB-7227]
[Taxes ]
Taxpayer First Act of 2018
Sponsored by: Rep. John Lewis
Received In The Senate. on 12/20/2018
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US Congress 115th Congress
GUIDE Compliance Act Give Useful Information to Define Effective Compliance Act [S.3443]
[Consumer Protection ]
[Finance ]
GUIDE Compliance Act Give Useful Information to Define Effective Compliance Act This bill amends the Consumer Financial Protection Act of 2010 to require certain procedures for guidance issued by the Consumer Financial Protection Bureau.
Sponsored by: Sen. Orrin Hatch
Read Twice And Referred To The Committee On Banking, Housing, And Urban Affairs. on 09/17/2018
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Commercial Privacy Bill of Rights Act of 2017 Do Not Track Kids Act of 2017 Official Titles Official Titles - House of Representatives Official Title as Introduced To establish a regulatory framework for the comprehensive protection of personal data for individuals under the aegis of the Federal Trade Commission, to amend the Children's Online Privacy Protection Act of 1998 to improve provisions relating to collection, use, and disclosure of personal information of children, and for other purposes. [HB-4543]
[Consumer Protection ]
[Technology and Innovation ]
[Data Privacy ]
[Children and Youth ]
Commercial Privacy Bill of Rights Act of 2017 Do Not Track Kids Act of 2017 Official Titles Official Titles - House of Representatives Official Title as Introduced To establish a regulatory framework for the comprehensive protection of personal data for individuals under the aegis of the Federal Trade Commission, to amend the Children's Online Privacy Protection Act of 1998 to improve provisions relating to collection, use, and disclosure of personal information of children, and for other purposes.
Sponsored by: Rep. Albio Sires
Referred To The Subcommittee On Digital Commerce And Consumer Protection. on 12/08/2017
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Commercial Privacy Bill of Rights Act of 2017 Do Not Track Kids Act of 2017 Official Titles Official Titles - Senate Official Titles as Introduced A bill to establish a regulatory framework for the comprehensive protection of personal data for individuals under the aegis of the Federal Trade Commission, to amend the Children's Online Privacy Protection Act of 1998 to improve provisions relating to collection, use, and disclosure of personal information of children, and for other purposes. [S.2187]
[Consumer Protection ]
[Data Privacy ]
[Technology and Innovation ]
[Children and Youth ]
Commercial Privacy Bill of Rights Act of 2017 Do Not Track Kids Act of 2017 Official Titles Official Titles - Senate Official Titles as Introduced A bill to establish a regulatory framework for the comprehensive protection of personal data for individuals under the aegis of the Federal Trade Commission, to amend the Children's Online Privacy Protection Act of 1998 to improve provisions relating to collection, use, and disclosure of personal information of children, and for other purposes.
Sponsored by: Sen. Robert Menendez
Read Twice And Referred To The Committee On Commerce, Science, And Transportation. on 12/04/2017
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Online Credit Card Disclosure Act of 2018 [HB-6531]
[Consumer Protection ]
[Finance ]
[Technology and Innovation ]
[Data Privacy ]
Online Credit Card Disclosure Act of 2018 This bill amends the Truth in Lending Act to revise disclosure requirements for an open end consumer credit plan (credit card). Specifically, creditors must include repayment information applicable to the consumer's outstanding credit card balance on an online interface used to make a payment.
Sponsored by: Rep. Henry Johnson
Introduced In House on 07/25/2018
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Consumer Data Protection Act [S.2188]
[Consumer Protection ]
[Data Privacy ]
[Technology and Innovation ]
[Cybersecurity ]
[Finance ]
Consumer Data Protection Act This bill amends the Fair Credit Reporting Act to direct a consumer reporting agency experiencing a data breach to: (1) notify the Federal Trade Commission, the Consumer Financial Protection Bureau (CFPB), other appropriate law enforcement agencies, and affected individuals; (2) provide affected individuals with free credit freezes and credit monitoring services; and (3) establish a consumer assistance unit. The bill also establishes legal enforcement provisions concerning data breaches at consumer reporting agencies.
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Sponsored by: Sen. Robert Menendez
Committee On Banking, Housing, And Urban Affairs. Hearings Held. on 07/12/2018
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Interior, Environment, Financial Services, and General Government Appropriations Act, 2019 [HB-6147]
[Finance ]
[Environmental ]
[Public Lands and National Parks ]
[Energy ]
[Water ]
[Arts and Culture ]
[Agriculture ]
[Telecommunications ]
[Food ]
[Healthcare ]
[Small Business ]
[Technology and Innovation ]
[Consumer Protection ]
[Law Enforcement ]
[National Security ]
[Budget and Spending ]
[Taxes ]
[Cybersecurity ]
[Data Privacy ]
[Economic Development ]
[Elections ]
[Ethics ]
[Funding ]
[Grants ]
[Libraries ]
[Mining ]
[Pharmaceuticals ]
[Public Safety ]
[Recreation ]
[Science ]
[Trade ]
[Transportation and Motor Vehicles ]
[Veterans ]
[Waste Management / Recycling ]
[Air Quality ]
[Animals ]
[Children and Youth ]
[Climate Change ]
[Community Development ]
[Construction ]
[Criminal Justice ]
[Defense ]
[Disaster Relief ]
[Education ]
[Gaming ]
[Housing ]
[Human Services ]
[Insurance ]
[Labor, Jobs, Employment ]
[Medicare and Medicaid ]
[Military ]
[Native American Affairs ]
[Nonprofit ]
[Overdose Prevention ]
[Property Tax ]
[Senior Citizens ]
[Social Security ]
Interior, Environment, Financial Services, and General Government Appropriations Act, 2019 (Sec. 2) Specifies that, unless this bill expressly provides otherwise, references to "this Act" included in a division refer only to the provisions of that division. (Sec. 3) Specifies the committee reports that apply for the purpose of implementing each division. DIVISION A--DEPARTMENT OF THE INTERIOR, ENVIRONMENT, AND RELATED AGENCIES APPROPRIATIONS ACT, 2019 Department of the Interior, Environment, and Related Agencies Appropriations Act, 2019 This division
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Sponsored by: Rep. Ken Calvert
Message On Senate Action Sent To The House. on 09/07/2018
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Military Families Credit Reporting Act of 2017 [S.2181]
[Military ]
[Consumer Protection ]
[Veterans ]
[Data Privacy ]
Military Families Credit Reporting Act of 2017 This bill amends the Fair Credit Reporting Act to: (1) allow a consumer to provide proof to a consumer reporting agency that an adverse credit report item occurred while on active duty, and (2) require a consumer reporting agency to provide an active duty military consumer's relevant active duty status on adverse credit report items. The Consumer Financial Protection Bureau is required to publish a model form that allows a consumer to: (1) notify a consumer reporting agency that the consumer is an active
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Sponsored by: Sen. Cory Booker
Read Twice And Referred To The Committee On Banking, Housing, And Urban Affairs. on 11/30/2017
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Consumer Data Protection Act [HB-4544]
[Consumer Protection ]
[Data Privacy ]
[Technology and Innovation ]
[Cybersecurity ]
[Finance ]
Consumer Data Protection Act This bill amends the Fair Credit Reporting Act to direct a consumer reporting agency experiencing a data breach to: (1) notify the Federal Trade Commission, the Consumer Financial Protection Bureau (CFPB), other appropriate law enforcement agencies, and affected individuals; (2) provide affected individuals with free credit freezes and credit monitoring services; and (3) establish a consumer assistance unit. The bill also establishes legal enforcement provisions concerning data breaches at consumer reporting agencies.
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Sponsored by: Rep. Albio Sires
Introduced In House on 12/04/2017
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Credit Access and Inclusion Act of 2018 [S.3040]
[Consumer Protection ]
[Housing ]
[Telecommunications ]
[Energy ]
[Data Privacy ]
Credit Access and Inclusion Act of 2018 This bill amends the Fair Credit Reporting Act to allow the reporting of certain positive consumer-credit information to consumer reporting agencies. Specifically, a person or the Department of Housing and Urban Development may report information related to a consumer's performance in making payments either under a lease agreement for a dwelling or pursuant to a contract for a utility or telecommunications service. However, information about a consumer's usage of any utility or telecommunications service may
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Sponsored by: Sen. Angus King
Committee On Banking, Housing, And Urban Affairs. Hearings Held. on 07/12/2018
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PROTECT Act of 2017 Promoting Responsible Oversight of Transactions and Examinations of Credit Technology Act of 2017 [HB-4028]
[Technology and Innovation ]
[Cybersecurity ]
[Consumer Protection ]
[Data Privacy ]
[Finance ]
PROTECT Act of 2017 Promoting Responsible Oversight of Transactions and Examinations of Credit Technology Act of 2017 This bill amends the Federal Financial Institutions Examination Council Act of 1978 to require supervision and examination of large consumer reporting agencies regarding cybersecurity measures. The bill amends the Fair Credit Reporting Act to allow consumers to request a consumer reporting agency to place a security freeze on their reports. The bill includes provisions for fees and exceptions from such fees. Consumer reporting agencies
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Sponsored by: Rep. John Faso
Introduced In House on 10/12/2017
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Community Institution Mortgage Relief Act of 2017 [HB-3971]
[Finance ]
[Real Estate ]
[Consumer Protection ]
[Housing ]
[Small Business ]
[Insurance ]
Community Institution Mortgage Relief Act of 2017 (Sec. 2) This bill amends the Truth in Lending Act to create a safe harbor from requirements for an escrow or impound account for the payment of taxes and hazard insurance in the case of mortgage loans made by a creditor with consolidated assets of $10 billion or less that holds the loan on its balance sheet for three years after its origination. A creditor shall be deemed to have complied with the three-year balance sheet requirement if it transfers a loan by reason of its bankruptcy or failure,
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Sponsored by: Rep. David Loebsack
Received In The Senate And Read Twice And Referred To The Committee On Banking, Housing, And Urban Affairs. on 12/13/2017
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Protecting Consumers from Unreasonable Credit Rates Act of 2017 [HB-3760]
[Consumer Protection ]
[Finance ]
[Crime ]
Protecting Consumers from Unreasonable Credit Rates Act of 2017 This bill amends the Truth in Lending Act to prohibit a creditor from extending credit to a consumer under an open end consumer credit plan (credit card) for which the fee and interest rate exceeds 36%. The bill also sets forth criminal penalties for violations and empowers state Attorneys General to enforce the bill. Credit card billing statements must include the fee and interest rate, displayed as "FAIR," instead of the total finance charge expressed as an annual percentage rate
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Sponsored by: Rep. Raul Grijalva
Introduced In House on 09/13/2017