Consumer Credit
US Congress 114th Congress
SAFE Lending Act of 2016 Stopping Abuse and Fraud in Electronic Lending Act of 2016 [S.2760]
[Consumer Protection ]
[Finance ]
[Technology and Innovation ]
[Native American Affairs ]
[Small Business ]
[Data Privacy ]
SAFE Lending Act of 2016 Stopping Abuse and Fraud in Electronic Lending Act of 2016 This bill amends the Electronic Fund Transfer Act (EFTA) to declare that a remotely created check may only be issued by a person specifically designated in writing by the consumer to the insured depository institution at which the consumer maintains the account from which the check is drawn. A remotely created check is a paper or electronic check that: is not created by the financial institution that holds the customer account from which the check is to be paid;
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Sponsored by: Sen. Dianne Feinstein
Read Twice And Referred To The Committee On Banking, Housing, And Urban Affairs. (sponsor Introductory Remarks On Measure: Cr S1811-1812) on 04/07/2016
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Elder Protection and Abuse Prevention Act [S.2747]
[Senior Citizens ]
[Human Services ]
[Public Health ]
[Healthcare ]
[Crime ]
[Funding ]
[Grants ]
[Public Safety ]
Elder Protection and Abuse Prevention Act This bill amends the Older Americans Act of 1965 to direct the Administration on Aging of the Department of Health and Human Services to: (1) ensure that all programs funded under such Act include appropriate training in elder abuse prevention and services addressing elder justice and exploitation; and (2) update periodically the need for such training related to prevention of abuse, neglect, and exploitation (including financial exploitation) of older adults. The Administration has a duty and function to:
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Sponsored by: Sen. Robert Casey
Read Twice And Referred To The Committee On Health, Education, Labor, And Pensions. on 04/05/2016
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SCRA Enhancement and Improvement Act of 2016 [S.2719]
[Defense ]
[Veterans ]
[Consumer Protection ]
[Finance ]
[Student Loans ]
[Real Estate ]
[Taxes ]
[Military ]
[Law Enforcement ]
SCRA Enhancement and Improvement Act of 2016 This bill amends the Servicemembers Civil Relief Act (SCRA) to require servicers of federally issued or guaranteed student loans to use the Defense Manpower Data Center to monitor the duty status of service member borrowers. A servicer shall notify: (1) the Department of Education, the Consumer Financial Protection Bureau (CFPB), and the service member prior to selling or transferring such loan to another servicer; and (2) a service member regarding any denied SCRA benefit or protection, including an
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Sponsored by: Sen. Bernard Sanders
Read Twice And Referred To The Committee On Veterans' Affairs. (sponsor Introductory Remarks On Measure: Cr S1598-1599) on 03/17/2016
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Reforming CFPB Indirect Auto Financing Guidance Act [S.2663]
[Finance ]
[Consumer Protection ]
[Small Business ]
Reforming CFPB Indirect Auto Financing Guidance Act This bill declares without force or effect Consumer Financial Protection Bureau (CFPB) Bulletin 2013-02 (Indirect Auto Lending and Compliance with the Equal Credit Opportunity Act), published March 21, 2013. The Consumer Financial Protection Act of 2010 is amended to direct the CFPB, when proposing and issuing guidance primarily related to indirect auto financing, to: provide for a public notice and comment period before issuing the guidance in final form; make publicly available all information
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Sponsored by: Sen. Jerry Moran
Committee On Banking, Housing, And Urban Affairs. Hearings Held. on 04/07/2016
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Medical Debt Relief Act of 2016 [S.2592]
[Healthcare ]
[Consumer Protection ]
[Insurance ]
[Public Health ]
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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Sponsored by: Sen. Dianne Feinstein
Read Twice And Referred To The Committee On Banking, Housing, And Urban Affairs. on 02/25/2016
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Credit Access and Inclusion Act of 2015 [S.2355]
[Housing ]
[Telecommunications ]
[Consumer Protection ]
[Energy ]
[Data Privacy ]
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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Sponsored by: Sen. Joe Manchin
Read Twice And Referred To The Committee On Banking, Housing, And Urban Affairs. on 12/03/2015
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Taxpayer Rights Act of 2015 [S.2333]
[Taxes ]
[Consumer Protection ]
[Finance ]
[Budget and Spending ]
[Small Business ]
[Law Enforcement ]
[Retirement ]
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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Sponsored by: Sen. Benjamin Cardin
Read Twice And Referred To The Committee On Finance. on 11/30/2015
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Prepaid Card and Mobile Account Consumer Protection Act of 2015 [S.2315]
[Consumer Protection ]
[Finance ]
[Technology and Innovation ]
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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Sponsored by: Sen. Richard Blumenthal
Read Twice And Referred To The Committee On Banking, Housing, And Urban Affairs. on 11/19/2015
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An Act Making Appropriations to Stop Regulatory Excess and for Other Purposes, 2016 [S.2132]
[Finance ]
[Telecommunications ]
[Consumer Protection ]
[Public Lands and National Parks ]
[Healthcare ]
[Labor, Jobs, Employment ]
[Medicare and Medicaid ]
[Budget and Spending ]
[Education ]
[Social Security ]
[Children and Youth ]
[Environmental ]
[Public Health ]
[Mental Health ]
[Funding ]
[Grants ]
[Law Enforcement ]
[Energy ]
[Insurance ]
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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Sponsored by: Sen. Lisa Murkowski
Read The Second Time. Placed On Senate Legislative Calendar Under General Orders. Calendar No. 251. on 10/06/2015
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Child Support Assistance Act of 2015 [S.2077]
[Family-Related Legislation ]
[Children and Youth ]
[Human Services ]
[Law Enforcement ]
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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Sponsored by: Sen. Pat Toomey
Read Twice And Referred To The Committee On Banking, Housing, And Urban Affairs. on 09/24/2015
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Justice is Not For Sale Act of 2015 [S.2054]
[Crime ]
[Consumer Protection ]
[Telecommunications ]
[Immigration ]
[Human Rights ]
[Criminal Justice ]
[Data Privacy ]
[Public Safety ]
[Family-Related Legislation ]
[Children and Youth ]
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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Sponsored by: Sen. Bernard Sanders
Read Twice And Referred To The Committee On The Judiciary. on 09/17/2015
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Equal Employment for All Act of 2015 [S.1981]
[Labor, Jobs, Employment ]
[Consumer Protection ]
[National Security ]
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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Sponsored by: Sen. Edward Markey
Read Twice And Referred To The Committee On Health, Education, Labor, And Pensions. on 08/05/2015
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Bureau of Consumer Financial Protection Advisory Board Enhancement Act [S.1963]
[Consumer Protection ]
[Finance ]
[Small Business ]
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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Sponsored by: Sen. Angus King
Read Twice And Referred To The Committee On Banking, Housing, And Urban Affairs. on 08/05/2015
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Christopher Bryski Student Loan Protection Act Christopher's Law [S.1958]
[Student Loans ]
[Consumer Protection ]
[Finance ]
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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Sponsored by: Sen. Cory Booker
Read Twice And Referred To The Committee On Health, Education, Labor, And Pensions. on 08/05/2015
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Financial Services and General Government Appropriations Act, 2016 [S.1910]
[Finance ]
[Taxes ]
[Budget and Spending ]
[Small Business ]
[Insurance ]
[Consumer Protection ]
[Data Privacy ]
[Economic Development ]
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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Sponsored by: Sen. John Boozman
Committee On Appropriations. Original Measure Reported To Senate By Senator Boozman. With Written Report No. 114-97. on 07/30/2015
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Equality Act [S.1858]
[Human Rights ]
[Race and Civil Rights ]
[Housing ]
[Consumer Protection ]
[Law Enforcement ]
[Education ]
[Healthcare ]
[Religion ]
[Data Privacy ]
[Public Safety ]
[Family-Related Legislation ]
[Crime ]
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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Sponsored by: Sen. Robert Casey
Read Twice And Referred To The Committee On The Judiciary. (sponsor Introductory Remarks On Measure: Cr S5530-5533) on 07/23/2015
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Sound Dollar Act of 2015 [S.1848]
[Finance ]
[Budget and Spending ]
[Consumer Protection ]
[Inflation ]
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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Sponsored by: Sen. Mike Lee
Read Twice And Referred To The Committee On Banking, Housing, And Urban Affairs. on 07/23/2015
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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]
[Consumer Protection ]
[Finance ]
[Data Privacy ]
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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Sponsored by: Sen. Bernard Sanders
Read Twice And Referred To The Committee On Banking, Housing, And Urban Affairs. on 07/23/2015
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Repeal CFPB Act [S.1804]
[Consumer Protection ]
[Finance ]
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.
Sponsored by: Sen. Rand Paul
Read Twice And Referred To The Committee On Banking, Housing, And Urban Affairs. on 07/21/2015
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Consumer Reporting Fairness Act of 2015 [S.1773]
[Consumer Protection ]
[Finance ]
[Data Privacy ]
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.
Sponsored by: Sen. Richard Blumenthal
Read Twice And Referred To The Committee On The Judiciary. on 07/15/2015