Consumer Credit
US Congress 114th Congress
Medical Debt Relief Act of 2016 [S.2592]
Medical Debt Relief Act of 2016 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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Credit Access and Inclusion Act of 2015 [S.2355]
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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Taxpayer Rights Act of 2015 [S.2333]
Taxpayer Rights Act of 2015 TITLE I--TAXPAYER RIGHTS This title amends the Internal Revenue Code to: (1) require the Department of the Treasury, in consultation with the National Taxpayer Advocate, to publish a summary statement of primary taxpayer rights; and (2) in consultation with the Internal Revenue Service (IRS), ensure that IRS employees are familiar with and act in accordance with such rights. Taxpayer rights include the right to be informed, the right to quality service, the right to pay no more than the correct amount of tax, the right
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Prepaid Card and Mobile Account Consumer Protection Act of 2015 [S.2315]
Prepaid Card and Mobile Account Consumer Protection Act of 2015 This bill amends the Electronic Fund Transfer Act to extend its coverage to spending accounts (deposit accounts) established by a consumer at an insured depository institution or credit union: to which recurring electronic fund transfers (EFTs) may be made, at the consumer's direction; and from which payments may be made, at the consumer's direction, through the use of a card, code, or device ( prepaid cards). Any similar deposit account operated or managed by a financial institution,
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An Act Making Appropriations to Stop Regulatory Excess and for Other Purposes, 2016 [S.2132]
An Act Making Appropriations to Stop Regulatory Excess and for Other Purposes, 2016 Provides FY2016 appropriations for financial services and general government; the Department of the Interior and the Environmental Protection Agency; the Departments of Labor, Health and Human Services, and Education; and several related agencies. Financial Services and General Government Appropriations Act, 2016 Department of the Treasury Appropriations Act, 2016 Provides appropriations to the Department of the Treasury, including the Internal Revenue Service. Executive
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Child Support Assistance Act of 2015 [S.2077]
Child Support Assistance Act of 2015 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 report is
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Justice is Not For Sale Act of 2015 [S.2054]
Justice is Not For Sale Act of 2015 This bill requires federal, state, and local governments and their employees to directly operate and perform core services at adult prisons and detention centers. The bill reestablishes parole for eligible federal prisoners sentenced on or after January 1, 2017. (The Sentencing Reform Act of 1984 eliminated parole for offenders convicted of federal crimes committed after November 1, 1987.) It authorizes the United States Parole Commission to: (1) grant or deny a parole application or recommendation; (2) impose
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Equal Employment for All Act of 2015 [S.1981]
Equal Employment for All Act of 2015 Amends the Fair Credit Reporting Act to prohibit a current or prospective employer from using a consumer report or an investigative consumer report, or from causing one to be procured, for either employment purposes or for making an adverse action, if the report contains information that bears upon the consumer's creditworthiness, credit standing, or credit capacity. Makes exceptions to such prohibition when: (1) the consumer applies for, or currently holds, employment that requires a national security clearance;
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Bureau of Consumer Financial Protection Advisory Board Enhancement Act [S.1963]
Bureau of Consumer Financial Protection Advisory Board Enhancement Act This bill amends the Consumer Financial Protection Act of 2010 to require the Director of the Consumer Financial Protection Bureau (CFPB) to establish: (1) a Small Business Advisory Board to advise and consult with the CFPB in the exercise of its functions under the federal consumer financial laws regarding financial products or services provided for use by consumers primarily for personal, family, or household purposes and to provide information on emerging practices of small
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Christopher Bryski Student Loan Protection Act Christopher's Law [S.1958]
Christopher Bryski Student Loan Protection Act Christopher's Law This bill amends the Truth in Lending Act to require a private student loan lender to disclose clearly and conspicuously in writing a cosigner's obligations regarding a private student loan. The Consumer Financial Protection Bureau (CFPB) must publish a model form for such disclosure. The bill prohibits a private student loan lender from taking an adverse action against a borrower (e.g., placing a loan in default or accelerating a loan balance) upon a cosigner's death, disability,
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Financial Services and General Government Appropriations Act, 2016 [S.1910]
Financial Services and General Government Appropriations Act, 2016 Provides FY2016 appropriations for financial services and general government, including programs in the Department of the Treasury, the Executive Office of the President, the federal judiciary, the District of Columbia, and several independent agencies. Department of the Treasury Appropriations Act, 2016 TITLE I--DEPARTMENT OF THE TREASURY Provides appropriations to the Department of the Treasury for Departmental Offices, including: Salaries and Expenses, Department-Wide Systems
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Equality Act [S.1858]
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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Sound Dollar Act of 2015 [S.1848]
Sound Dollar Act of 2015 This bill amends the Federal Reserve Act (FRA) to direct the Board of Governors of the Federal Reserve System 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. The bill also prescribes procedures for the establishment and evaluation of such metrics. The Board and the FOMC shall: (1) make such information available to the public on a website, and (2) report to Congress each time such
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A bill to enhance the accuracy of credit reporting and provide greater rights to consumers who dispute errors in their credit reports, and for other purposes. [S.1847]
A bill to enhance the accuracy of credit reporting and provide greater rights to consumers who dispute errors in their credit reports, and for other purposes. This bill amends the Fair Credit Reporting Act, with respect to civil liability for either willful or negligent noncompliance by a consumer reporting agency with respect to consumer credit protection requirements, to authorize a court to award: (1) injunctive relief to require compliance with that Act, and (2) costs and reasonable attorney fees to the prevailing party in any successful action
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Repeal CFPB Act [S.1804]
Repeal CFPB Act Repeals the Consumer Financial Protection Act of 2010, which established the Bureau of Consumer Financial Protection. Revives or restores the provisions of law amended by such Act as if it had not been enacted.
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Consumer Reporting Fairness Act of 2015 [S.1773]
Consumer Reporting Fairness Act of 2015 This bill requires a creditor that has provided or furnished to a consumer reporting agency any item of information pertaining to an account based on a debt discharged in a case under the federal bankruptcy code to inform such agency that the debt has been discharged in bankruptcy and has a zero balance. An individual injured by any willful violation of this provision shall recover actual damages, including costs and attorneys' fees, and may recover punitive damages in appropriate circumstances.
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Data Security and Breach Notification Act of 2015 [S.177]
Data Security and Breach Notification Act of 2015 Requires the Federal Trade Commission (FTC) to promulgate regulations requiring commercial entities, nonprofit and for-profit corporations, estates, trusts, cooperatives, and other specified entities that own or possess data containing personal information (covered entities), or that contract to have a third-party maintain or process such data for the entity, to implement information security policies and procedures for the treatment and protection of personal information. Establishes procedures
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Military Consumer Protection Act [S.1565]
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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Community Lender Regulatory Relief and Consumer Protection Act of 2015 [S.1491]
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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Financial Regulatory Improvement Act of 2015 [S.1484]
Financial Regulatory Improvement Act of 2015 TITLE I--REGULATORY RELIEF AND PROTECTION OF CONSUMER ACCESS TO CREDIT (Sec. 101) This bill amends the Gramm-Leach-Bliley Act to exempt from the requirement to provide consumers with an annual written disclosure of their privacy policy certain financial institutions that provide nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution. (Sec. 102) The Federal Home Loan Bank Act is amended to set requirements for a credit union
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